Student Loan Debt An Important Role For College Students

Student Loan Debt Financial support has played an important role for college students, especially for university students, whose family could not support their education after they have graduated from high school. Due to this situation, students have to go through a lot of problems with their tuition fees to be able to continue with their education. They always need a large amount of money besides paying for the tuition but also for living, and students have to go through a lot of problems with their tuition fees in order to be able to finish their career on time and earn a better living in the future. Some students will choose to go to work part time while at school, so they can pay for their fees and their own expense, such as gas, foods, and clothing. On the other hand, most of students will choose to take out loans from somewhere else, such as the bank or federal loans. This way, students who choose to take out a loan could focus on their education without worrying about how to pay for their fees. It is very important for students to acknowledges and be aware of the different types of student loans, and all the requirements before students decide to obtain a loan. Because of the raise in tuition leads to the existence of the student loan debt is a burden that is a financial impact on lifestyle changes, such as postpone couples to get married, to have children, to buy a house and to save for retirement. The rate of tuition is vastly different now than it was inShow MoreRelatedStudent Loan Debt : An Important Role For College Students2175 Words   |  9 PagesStudent Loan Debt Financial support has played an important role for college students, especially for university students, whose family could not support their education after they have graduated from high school. Due to this situation, students have to go through a lot of problems with their tuition fees to be able to continue with their education. They always need a large amount of money besides paying for the tuition but also for living, and students have to go through a lot of problems withRead MoreStudent Loan Debt On College Students887 Words   |  4 PagesStudent Loan Debt on College Students Student loans are becoming more and more of a problem for college students all across the United States. As college tuition has significantly increased over the past years, it has become extremely common for most college students to finance their education through student loans. Tuition has become so expensive that it is almost unheard of for a student to pay for their tuition out of pocket or by working for their education part time. As the result ofRead MoreIncome Share Agreements ( Isa )1169 Words   |  5 PagesWith student loan debt becoming increasingly worse year after year, new and potentially better avenues for students to finance a college education are emerging onto the market. In particular, income-share agreements (ISA) have appeared on the scene for a few years now, but not have attempted to modernize the way students pay for college. The big take away from ISA’s is the shift of financial risk from the student to the investor, unlike the traditional gover nment or private loans. A student promisesRead MoreShould Student Debt Go Beyond?1269 Words   |  6 Pagesbecoming more competitive and most require higher education. College has become necessary and so consequently, it has become more expensive. While loans have made it possible for nearly anyone to attend college, because they are given too easily, the costs of college has increased even more. A cycle of giving loans and raising tuition is created and as a result college students are burdened with a colossal amount of debt. The issues of student debt go beyond affecting graduates’ lives and begin to crippleRead MoreStudent Debt Is A Significant Social Problem Essay1297 Words   |  6 PagesExamining Student Debt When we think about college and a college education, it seems as though our first initial thought is the student loans and debt that can result in achieving a college degree. Looking back, student debt has risen drastically and has made it extremely stressful for students and families. Many people go through their entire life in debt, especially from being a student. Student debt has always existed; however, now, it is so extreme, almost all students who attend college find themselvesRead MoreIs College Worth The Cost?1296 Words   |  6 PagesIntroduction: The U.S. is home to some of the greatest colleges and universities in the world. But with an overwhelming 1.3 million students graduating with an average student loan debt of $29,000 each and with youth unemployment elevated, the question of whether or not college tuition is worth the money arises (The Institute for College Access Success, 2013). Higher education faces intimidating challenges: continually rising costs, access and completion problems, constant changing of technologyRead MoreWhat Are The Effects Of High College Tuition Costs On The1466 Words   |  6 PagesWhat are the effects of high college tuition costs on the economy? The fundamental aim of obtaining a higher education in this country has been to prepare and educate young Americans to accept and consider productive and proactive roles in the workforce, to strengthen our communities and nation as a whole, to contribute to our domestic and international economic competitiveness and to enrich our lives to the very fullest. As part of the perception of the American dream of â€Å"opportunity for allRead MoreShould Colleges Be Free For Every Students?922 Words   |  4 Pagesâ€Å"Help, Help† Colleges should be free for every students. There are many obstacles that students face during each semester. Some of those obstacles are the work for classes, time management, and mostly stress. However, there are enormous numbers of people who are suffering from students loans after graduation or dropping out from colleges. Some cannot afford to repay for loans because their income is low and there are also many other bills to pay for such as rent, heat, and water. In other cases,Read MoreStudent Lo Samaritan Or Satan?1545 Words   |  7 Pages3rd Draft Student Loan: Samaritan or Satan? â€Å"Die Luft der Freiheit weht† is Stanford’s motto, which means â€Å"The wind of freedom blows.† However, selective universities are not â€Å"free† like Stanford University’s motto and even less â€Å"free† when students graduate. College students pay a huge amount of tuition every year, and yet not every college graduate can find a satisfying job. Many college students choose to take out student loans. Student loans give many students chances to go to college indeed, butRead MoreShould College Athletes Be Paid For The Poor Or Middle Class? Essay1698 Words   |  7 Pagesmillion college students and 71% end up in student loan debt;and that number has been increasing since 2012 and has combined to a total of 1.3 million dollars in student loan debt.Student loan debt has become a recurring issue over the years with students,presidential candidates,governments fighting for ways or not fighting for ways to implement new programs to make c ollege cheaper but it has not been efficient in making college affordable for the poor or middle class. This is such an important topic

The Heart Of Darkness By Joseph Conrad - 1305 Words

Kashif Qureshi Western Civilization II 4/18/2016 Question #1 Imperialism is when a country is extending it’s influence by acquiring other governments or territories through diplomacy or military force.There are many motives for imperialism attributed to the different characters in â€Å"The Heart of Darkness† by Joseph Conrad. For example the men who work for the Company describe what they do as trade, and their treatment of native Africans is part of a humane project of civilization. But what these men for the company really do is they extending their influence on the Africans by force. In â€Å"The Heart of Darkness† Marlow who also work for the company states â€Å"It was just robbery with violence, aging gravated murder on a great scale, and men†¦show more content†¦King Leopold from â€Å"The Black Man’s Burden† and the company from â€Å"The Heart of Darkness† have very similar motives attributed to imperialism, such as exploiting Africa of it resources. Joseph Conrad doesn’t si ngle out to any one motive in particular he gives them all their fair share in â€Å" The Heart of Darkness,† the point that Conrad tries to emphasize is how imperialism is associated with many negatives. Kurtz is one of the characters in â€Å"The Heart of Darkness† who has a very clear motive attributed towards imperialism. Kurtz is open about his actions that he does not trade but rather takes ivory by force, and he describes his own treatment of the natives with the words like suppression and extermination. Kurtz has let himself loose by keeping company with excessively with the natives and not keeping up appearances with the company; in so doing, he has become wildly successful but has also made enemies of his fellow white men. Kurtz states â€Å"He began with the argument that we whites, from the point of development we had arrived at, â€Å" ‘must necessarily appear to them [savages] in the nature of supernatural beings- we approach them with the might as of a deity’ † and so on, and so on. â€Å" ‘By the simple exercise of our will we can exert a power for good practically unbounded’ † .(Conrad, 92)† Kurtz believes he is superior to the Africans and he has the right to take whatever he wants by exerting power towards them. His attitude towards the Africans

Prototype for Sustainable Agricultures

Question: Discuss about the Prototype for Sustainable Agricultures. Answer: Introduction: Managing human resource is an important organisational activity as success of a company depends to a high extent on the skills and abilities of the recruited human resource. However, as pointed out by Bal Dorenbosch (2015), only recruiting skilled human resource is not enough. Encouraging and recognising them is also an essential activity for a well improved organisational culture. This essay therefore focuses on understanding the recognition scheme of McDonald. Further, it focuses on analysing and interpreting theories that underpin the recognition scheme. The applicability of this recognition scheme in a non for profit organisation is also taken into consideration for analysis. Critical analysis on McDonalds recognition scheme and its impact on organisational culture, theories supporting it and its applicability in non profit organisation: Within the organisational culture, one of the most significant elements and determinates are employees. They serve as the base of the organisational production. Lamine, Navarrete Cardona (2014) has stated that through the application of the skills and efforts of the employees, the quality of the products and services is increased. This is directly attached to the organisational benefit regarding the enhancement of the customer loyalty. In the financial development and entire improvement, the impact of this is quite significant as through this the market share of the organisation is noticeably increased (Kramar et al. 2014). Therefore, it is also the sincere responsibility of the organisational management to focus on the expectations and needs of the employees in order to satisfy them. It is the fact that one of the most necessary expectations and demands of the employees is to avail the recognition scheme maintained by the organisational management. Kusluvan et al. (2010) has observ ed in this regard that behind the wide-range success of each of the global organisations is the sincere application of the recognition scheme by the managements for their internal leaders. This has the potency to empower the leader and staffs. This is also helpful in attracting the attention and interest of the future leaders to the organisational functions, too. McDonalds is not any exception regarding this. There are several recognition schemes that are applied by the management of McDonalds for their leaders such as employee remuneration long with the opportunities to gain a reward. In the concept of the recognition scheme, the management of McDonalds has focused on the remuneration and reward and has been implementing changes in their employee pay scale, pay structure along with the job structure. According to Bradler et al. (2016), remuneration is a business term that signifies the process of returning the employee's something back against their contribution for the benefit of the organisation. This remuneration, within McDonalds, is given through the form of special incentives, increments along with rewards. McDonalds is a fast food company that has more than 900 stores with around 91000 people (Mcdonalds.com, 2017). In fact, this company has to face a tough competition in the global market regarding the gaining of an effective market share. There are the fast food companies like KFC, Mr. Burger, Subway, Burger King and others in the Australian as well as global market. Due to this, there is a monopolistic scenario in the fast food industry in this country. However, with the improved quality food with reasonable price, the management of McDonalds has enabled to occupy 25% of the entire market share (Statista.com, 2017). On the other hand, the companies like KFC, Mr. Burger, Subway, Burger King and others have their market share of 30%, 10%, and 15%, 5%, and 15% respectively. Therefore, it is quite clear a fact that the rank of McDonalds is just after the KFC that is satisfactory. The fundamental strength of this success is the service of the best effort by the leaders and employees of McDonalds. However, in a similar way, the leaders and the staffs are also encouraged by the remuneration and special offers, rewards along with increment opportunities provided by the management. Within McDonalds, it can be noticed that the internal culture is quite healthy and positive with the recognition schemes and the employees are greatly influenced and motivated by this. The management uses to offer rewards through two specific ways, such as financial and non-financial processes. Sometimes they involve themselves in offering direct increment to the employees or even the cash payment or commissions, too. However, (Benmokhtar, 2014) remarked that indirect payment refers to the providence of medical insurance, increase of the holidays along with the reduction of the duty hours for some extraordinary contribution by the employees. Even, there are also the non-financial reward systems operated by the management of McDonalds through the application of job improvement and betterment of the working environment. Manzoor (2012) argued that job-related rewards satisfy the newly employed staffs as through this they can get an interesting, responsible, dutiful and challenging work that may help them to prove their personal skills and efficiencies more prominently. This is most effective for the leaders and employees associated with the customer service department of McDonalds as this increases their interest and enthusiasm to deal and communicate with the customers more passionately. On the other side, achieving a good working environment also encourage them to improve the quality of their services. The management of McDonalds also uses to provide the good and efficient employees with the most supportive and congenial colleagues. Even, Robst VanGilder (2016) pointed out that some additional facilities such as career security, a better attachment to the management as well as direct communication facilities with the customers in order to improve their skills and experiences regarding the current market scenario and customer preferences are also provided to them. It can be observed that the management of McDonalds uses to provide the bonus to those employees and leaders who ranks within the top 10% of the entire workforce (Mcdonalds.com, 2017). This bonus scheme supports the staffs and leaders regarding their hope for the future benefits. A special recognition scheme is also organised in every five years lapse. Even, they also feel interested in working collaboratively and the best performer is rewarded as per the restaurant performance. Due to this, other employees are encouraged to improve their own skill in order to get the highest rank. Even, the future leaders are also attracted to serve their best for this company for achieving the expected facilities and special recognitions. The next section focuses on the theories supporting the recognition scheme. It is necessary for all the global business organisations to motivate and inspire their employees to serve their best effort for the betterment of that organisation. Through the systematic and active involvement of the employees in the functional activities, the managements of the business organisations can able to increase their profit with the help of the increase in market share. However, Wu et al. (2015) have argued that it is not only the ethical responsibility of the employees to participate actively in the organisational well-being, but also the management is also responsible for providing the leaders and staffs the facilities and recognition that they deserve. In the case of McDonalds, it can clearly be observed that the employees get the opportunity to enjoy special treatment and schemes based on their service quality and some additional efforts that are beneficial for this company. This support of the management can be related to the concept and idea of some theories. The equal treatment is majorly related to the fair treatment of the organisational management towards the employees regarding the fact to provide them additional opportunities under the same scenario. De Roeck Delobbe (2012) stated that the staffs of McDonalds associated with different sectors of the organisation such as production, marketing, customer dealing, the order receiving are always treated equally and also give the similar kind of opportunities to perform their skills abilities through applying self-experiences. On the other side, the management of this organisation is also fair in paying the deserving benefits for them, whether it is in cash or some other facilities. Anitha (2014) remarked that if there was some employee dissatisfaction regarding the unfair treatment of McDonalds towards their internal staffs based on the recognition scheme, the management could not have been able to run their worldwide business through both online and offline services with nearly 91000 p eople. The management of McDonalds has successfully been motivating their employees through the maintenance of the equal and fair opportunities as they perceive irrespective of their personal backgrounds (Li Li, 2016). For example, if some employees attached with customer dealing section are selected as contributing some extraordinary effort to convince the customers regarding the genuine quality and price of their foods, they are generally promoted with increments as per their service standards. Even sometimes they are also rewarded with cash money or bonus schemes. This equal environment helps this company to avoid the occurrence of employee issues. The second theory that can be linked is expectancy theory. People within the business organisations have some basic expectations from the management during their services for the organisation. Expectations of the organisational employees are one of the most significant behavioural aspects that are hugely moved by the organisational treatment towards them (Purvis et al. 2015). Not only the employees but also the management has also its own expectation that is entirely profit-related. Although the concern of the staffs centres round the gaining of special advantages from the management, the satisfaction of both of their expectations is effective in creating an improved business scenario. The expectations occur among the employees within McDonalds due to their system to provide the bonus and another promotional strategy for the staffs with an excellent restaurant performance. If the performance of the employees satisfies and make benefitted to the management of McDonalds to achieve a gr and success, they naturally develop an expectation regarding some special treatment from the management, such as getting bonus or rewards (Kramar et al. 2014). This bonus scheme, in fact, is one of the most popular and existing processes of reward among the employees (HemaMalini Washington, 2014). However, it is also another fact that the dissatisfaction generated due to the unfulfilled expectation of the employees may result into a declination in organisational profit. Agency relationship within the business organisations refers to the interaction between the principals along with the mediums. Within the organisational context, there are different stakeholders such as the suppliers, employees, customers along with the management and their focus and concentration differs from one another. The principles and concepts of this theory make an integral association among these different interests through focusing on the staff recognition scheme in order to apply those (Pepper Gore, 2015). The different demands and preferences of McDonalds serve as the agencies of McDonalds and the management use to keep the focus on those equally. However in some extents, the marketing managers of McDonalds act as the significant agents for having the similar interest, that is to gain more profit through increasing their market share. However, the interest of the higher management differs from that of the employees of McDonalds in maximum cases (Shi et al. 2016). This scenario takes place due to the lacking in the management of McDonalds regarding the application of the most suitable recognition process for the employees based on the quality of their services. However, in the modern scenario, the division in the investment of the capital among the stakeholders regarding the business has generated a less risky organisational risk for McDonalds. It means that the recognition scheme is quite effective in profit organisations. However, the applicability of it in non profit organisations is not established. The next section of this essay focuses on understanding the application of McDonalds recognition scheme on Spastic Centre, a n on profit organisation. Managing human resource effectively is significant in achieving the aim and objectives of the business organisations. For a global profit organisation, it is necessary to maintain the functional activities of that organisation in order to occupy the expected position in the global market (Manzoor, 2012). McDonalds is one of the greatest and leading fast food companies that operate its business at the global context quite successfully. Therefore it is quite prominent that the members of the human resource department of this company are quite efficient in handling the entire workforce through some strategies. The management of McDonalds has imposed several roles and responsibilities to the human resource department majority of that are employee-centric. Through the operational activities of the HRM of McDonalds, the knowledge of the internal staffs regarding the global market along with the competitors is increased. On the other hand, through the arrangement of training, the unity and supportive attitudes among the employees also enhance (Bal Dorenbosch, 2015). Even, to ensure a healthy and secure working environment for the employees, the role of the HRM is also quite significant. As the commercial success of McDonalds is also depended on the effective customer relationship through improved communication, the HRM is also focused on this. In fact, the recruitment and selection of the efficient employees through whom the marketing target can better be fulfilled are also performed by the HRM of McDonalds. The sales rate through the same outlet of McDonalds has noticeably been increasing day by day. However, the sales rate of this company is quite greater as per the US perspective rather than that of the global platform. It is quite significant here to state that the contribution of the HRM of McDonalds cannot be avoidable for this gradual development. As observed from the above discussion regarding the management approach towards the HRM for a leading profit organisation like McDonalds, it can be stated that the similar approach cannot be thoroughly applicable for a not-for profit organisation like Spastic Centre. Situated in New South Wales, this organisation has been serving for the children as well as adults suffering from cerebral palsy (Cerebralpalsy.org.au, 2017). The HRM of this organisation is majorly focused on providing a good support and treatment to the affected children by the specialists in order to bring them to the mainstream of life. Therefore, while the HRM of McDonalds is concerned about the improvement in their market share, Spastic Centre is more focused on taking care of their service users. Even, the training of the employees of McDonalds is completely organised based on market demand whereas the training of the care workers of Spastic Centre is all about people-centric for their betterment. The management a nd HRM of Spastic Centre need not give enough focus on the recognition scheme for the employees as per the target of their duties that completely differs from that of the McDonald's. Therefore, although both McDonald's and Spastic Centre have their specific target audiences with organisational purposes, the application of management approach of the human resource of McDonalds cannot be categorised in a similar way like Spastic Centre. Conclusion: Thus, from the above analysis, it becomes clear that McDonalds recognition scheme is helpful in creating a good organisational culture where employees are satisfied and a good relation between the employees and employers are created. The analysis of agency theory, expectancy theory and equity theory has well supported the recognition scheme in McDonalds. However, it has found out that recognition scheme of a global profit organisation cannot be directly applied within a non profit organisation due to the differences in their purpose and business activities. References: Bal, P. M., Dorenbosch, L. (2015). Age?related differences in the relations between individualised HRM and organisational performance: a large?scale employer survey.Human Resource Management Journal,25(1), 41-61 Benmokhtar, R. (2014). Robust human action recognition scheme based on high-level feature fusion.Multimedia tools and applications,69(2), 253-275 Cerebralpalsy.org.au (2017) Cerebral Palsy ALLIANCE Available from: https://www.cerebralpalsy.org.au/ [Retrieved on 4 Feb 2017] HemaMalini, P. H., Washington, A. (2014). Employees' Motivation and Valued Rewards as a Key to Effective QWL-from the Perspective of Expectancy Theory.TSM Business Review,2(2), 45 Kramar, Bartram, De Cieri, Noe, Hollenbeck, Gerhart Wright. (2014) Retaining talent with salary packaging: Human Resource Management in Australia (5th Ed.). McGraw-Hill Australia) Lamine, C., Navarrete, M., Cardona, A. (2014). Transitions towards organic farming at the farm and at the local scales: the role of innovative production and organisational modes and networks. InOrganic farming, prototype for sustainable agricultures, pp. 423-438 Li, D., Li, E. X. (2016). Corporate Governance and Costs of Equity: Theory and Evidence.Management Science, 11(1), 228-254 Marketwatch.com (2017) Market Watch Available from: www.marketwatch.com/investing/stock/mcd/profile [Retrieved on: 4 Feb 2017] Mcdonalds.com (2017) McDonalds Available from: https://www.mcdonalds.com/ [Retrieved on 6 Feb 2017] Pepper, A., Gore, J. (2015). Behavioral agency theory: New foundations for theorizing about executive compensation.Journal of management,41(4), 1045-1068 Purvis, R. L., Zagenczyk, T. J., McCray, G. E. (2015). What's in it for me? Using expectancy theory and climate to explain stakeholder participation, its direction and intensity.International Journal of Project Management,33(1), 3-14 Robst, J., VanGilder, J. (2016). Salary and job satisfaction among economics and business graduates: The effect of match between degree field and job.International Review of Economics Education,21, 30-40 Shi, W., Connelly, B. L., Hoskisson, R. E. (2016). External corporate governance and financial fraud: Cognitive evaluation theory insights on agency theory prescriptions.Strategic Management Journal, 16(9), 478-511 Statista.com (2017) statista Available from: https://www.statista.com [Retrieved on: 5 Feb 2017] Wu, L. Z., Kwan, H. K., Yim, F. H. K., Chiu, R. K., He, X. (2015). CEO ethical leadership and corporate social responsibility: A moderated mediation model.Journal of Business Ethics,130(4), 819-831 Kusluvan, S., Kusluvan, Z., Ilhan, I., Buyruk, L. (2010). The human dimension a review of human resources management issues in the tourism and hospitality industry.Cornell Hospitality Quarterly,51(2), 171-214. Bradler, C., Dur, R., Neckermann, S., Non, A. (2016). Employee recognition and performance: A field experiment.Management Science,62(11), 3085-3099 Manzoor, Q. A. (2012). Impact of employees motivation on organizational effectiveness.Business management and strategy,3(1), 1 De Roeck, K., Delobbe, N. (2012). Do environmental CSR initiatives serve organizations legitimacy in the oil industry? Exploring employees reactions through organizational identification theory.Journal of Business Ethics,110(4), 397-412 Anitha, J. (2014). Determinants of employee engagement and their impact on employee performance.International Journal of Productivity and Performance Management, 12(1), 222-235

What Psychology is to Me Essay Example For Students

What Psychology is to Me Essay What Psychology is to MeAfter taking Psychology 1000, psychology means much more to me than itdid prior to taking the class. At the beginning of the semester, I was asked todefine the word psychology, and the best definition I could muster was simplythe study of the mind and how it works. After examining the large realm of thescience of psychology I now realize that this definition was quite incomplete. My initial definition simply covered the branch of psychology known ascognitive psychology, and this is only one of many areas that are actuallyincluded under the title psychology. Many psychologists focus on morequantitative aspects than the function of the human mind. There are severaldifferent areas that are more easily researched than that of the brainsfunctionality. An example would be behavioral psychology in which the focus isput on observing behavior rather than on the processes going on inside thebrain that invoke the subjects behavior. This is just one of the many examplesthat illustrate this point, and that makes developing a working definition ofthe term psychology extremely difficult to attain. We will write a custom essay on What Psychology is to Me specifically for you for only $16.38 $13.9/page Order now The range of topics that are considered psychology is very surprising toa newcomer in the field. Everything from determining which parts of the brainare responsible for controlling certain senses to analyzing the influence ofsociety on behavior and development is considered psychology. So it isobvious that my original definition was extremely limited, but it has now beenvastly broadened. In addition to recognizing the broad range of topics that psychologycovers, I also realized that there is large number of different occupations aperson trained in psychology can hold. My original idea was that a psychologistwas a person who dealt only with psychoanalysis, and I would imagine that thisis a common misconception. The possible career fields for a psychologist ismuch greater than I had imagined it to be, it includes everything from schoolcounselors to psychiatrists to sensation and perception researchers. Each different area of psychology has many differences from all of theother areas, but the origins of these areas enables them all to fall under theincredibly large topic of psychology. Although psychology is a very large topicthis immense field is still relatively young and has many unopened doors. Sonot only is the science much larger than I originally thought, but it is stillgrowing and the possibility of making new discoveries is still very open tofuture psychologists. After taking this class, I have realized that through outthe years much has been learned about psychology, and much more is yet to belearned. Social Issues