Bad Credit Helper How To Shop For a Credit Counselor

Bad Credit Helper How To Shop For a Credit Counselor Bad Credit Helper: How To Shop for a Credit Counselor Bad Credit Helper: How To Shop for a Credit CounselorIt can be a vicious cycle. A financial hardship hurts your credit, your bad credit creates financial hardship, and on and on it goes. So whats the solution?A professional credit counselor could you help you find your way out of this nightmare. But, as with any major financial decision, choosing the right credit counselor should be done carefully.In many ways, shopping for a credit counselor is a lot like shopping for a bad credit lender. While there are many respectable credit counselors out there who will keep your best interest in mind, there are still a number of not-so-respectable organizations that are just trying to make a quick buck (off of you!).Think of those organizations as the payday lenders of credit counseling. And just like payday lenders, they should be avoided at all costs!That’s why we asked three credit counseling experts for advice on how best to shop around for a credit counselor.(If you want to know more abo ut the basics of credit counseling, then check out our post: Do You Need Credit Counseling?)Look for the warnings signs.Its unfortunate but true: If you have bad credit, low income, or are otherwise in a financially dangerous situation, there are predatory organizations out there looking to take advantage of you. You can learn more about predatory lenders in our ebook How to Protect Yourself from Payday Loans and Predatory Lenders.So how can you tell the difference between the legitimate credit counselors and the scammers?Gary Herman, President of Consolidated Credit Counseling Services  warns that customers should, “Be cautious of any agency that charges an upfront fee for the initial debt evaluation.”“You should also proceed with caution if the credit counselor attempts to push you into a debt management program without fully informing you of the other debt relief options available,” says Herman.“If the fees exceed $79 per month, it’s definitely not legit because that exceeds all state regulations.”According to Mike Sullivan, a personal finance consultant with national nonprofit credit counseling and debt management agency Take Charge America, says upfront payments may be common with housing counseling, student loan counseling and even investment counseling, but that “it should be a warning sign with credit counseling.”“Another warning sign,” says Sullivan, “is an offer to put a consumer on a debt management plan (DMP) without at least a 20-minute discussion and analysis.”“It may well take an hour or more to determine if a DMP is the best solution, but a counselor anxious to get to the business transaction is not putting the consumers concerns first.”Katie Ross, Education and Development Manager for American Consumer Credit Counseling, or ACCC, adds that “any agency that promises to repair your credit is a red flag that they are less than reputable.   No agency can promise this.”What kind of research should you do?Before you start your work with a credit counselor, you should definitely do your research. That way, the odds that you’ll end up working with a less-than-reputable organization are drastically lowered.According to Sullivan, “There are many factors to consider in selecting an agency, such as nonprofit status, counselor certification and state licensing.”He recommends that you “Choose an accredited agency, such as Take Charge America, to ensure the agency employs the best possible business practices (mission and purpose, quality assurance, governance and administration, service environment, financial management, ethics and confidentiality, service delivery).“Visit the National Foundation for Credit Counseling (NFCC) at NFCC.org to find a list of accredited agencies to ensure compliance with best-practice standards.“You can also start with the Better Business Bureau and find credit counseling agencies in your area that have A+ ratings and can ask if they are members of NFCC. Of cour se, not every good credit counseling agency is a member of NFCC and not every member agency can be the best, but it is a good place to start.”According to Ross, the kinds of research that one should conduct before working with a credit counselor include “understanding exactly what the agency is offering and make sure they can help you with your financial issues,” reading the fine print of the agreement, getting everything in writing, and “contacting your creditors and see if they are familiar   with a particular agency offering this type of service.”If your first contact with a credit counselor is over the phone, Herman recommends that you check and make sure that “the person you’re speaking with is a certified credit counselor and not a customer service representative.”When it comes to specific criteria you should be looking for, Ross has a very helpful list:Be sure the agency is charging you reasonable fees (not more than $50/month for a debt management plan), but this can vary by state.The credit counseling agency should be non-profit.The agency should have been in business for at least seven to ten years.The counselors at the credit counseling agency should be certified by an independent organization.The agency should be accredited by the International Standards Organization (ISO) or by the Council on Accreditation (COA).The agency should be a member of one of the trade associations: either Financial Counseling Association of America (FCAA) or the National Foundation for Credit Counseling (NFCC).Consumers should consider checking with the Better Business Bureau for any consumer complaints made against the agency.The agency you are considering should be licensed and bonded to do business in your state.The agencys willingness to waive the fees if you simply cant afford them.The agency should spend a reasonable amount of time for your consultation/budgeting session. At least an hour is needed.The agency should provide you with a written budget based on your personal financial situation.And lastly, the agency should be willing to offer free education to help you learn how to manage your finances. They should also provide ongoing education while in a debt management plan or even if you decided a DMP is not for you.Consider some DIY financial solutionsWhile credit counseling is a great financial solution for many people, it is by no means your only option. In fact, much of the work you do with a credit counselor is work that you can do yourself at home.Of course, it helps to have a professional working it through with you. But with a little determination and a whole lot of perseverance, you can tackle most financial problems yourself.There is very little a credit counseling agency does that a consumer could not do alone,” says Sullivan. “Every consumer could create a budget, analyze cash flow, prioritize payments, negotiate credit card terms and institute a plan for getting out of debt in five years or less.”Unfortuna tely, most consumers will not do all this by themselves, but just having a written budget and monitoring expenses for sixty days goes a long way toward taking control of your financial health.Herman agrees. “If a household has cash flow available in their budget, they can implement a debt reduction plan on their own,’ he says. “You use your extra cash to pay off one debt at a time as quickly as possible, typically starting with the debt that has the highest APR first.”“Consumers can also call their creditors individually to negotiate lower interest rates, which can make it easier to pay back a debt. In addition, there are several options for do-it-yourself debt consolidation, such as credit card balance transfers and personal debt consolidation loans.”Lastly, there’s one piece of advice that Herman says is most important of all: “Having ten percent of your take home pay deducted from your check and put into a separate savings account will eventually make you successf ul.”“The key to financial success is really saving; debt is just the way non-savers deal with expenses,” he says.Do you have experience with credit counseling? Did you find it helpful? We’d love to hear from you! You can get in touch with us on Twitter at @OppLoans.Visit OppLoans on YouTube | Facebook | Twitter | LinkedINContributorsGary Herman, President of Consolidated Credit Counseling Services Inc. (@ConsolidatedUS), is a consumer credit specialist and an AFCPE Certified Credit Counselor. He has been a part of Consolidated Credit for over 20 years and his expertise in establishing operations and marketing policies, hiring, and training financial counselors, has been a crucial advantage in Consolidated Credit’s success. As an expert who examines consumer credit trends, causes and effects of financial over-extension, Mr. Herman has been able to predict the needs of financially burdened consumers and provide Consolidated Credit’s certified counselors with the tools and educational materials required to keep ahead of the public’s needs.Katie Ross joined the American Consumer Credit Counseling, or ACCC, management team in 2002 and is currently responsible for organizing and implementing high-performance development initiatives designed to increase consumer financial awareness. Ms. Ross’s main focus is to conceptualize the creative strategic programming for ACCC’s client base and national base to ensure a maximum level of educational programs that support and cultivate ACCC’s organization.Mike Sullivan is a personal finance consultant with Take Charge America (@TCAsolutions), a national nonprofit credit counseling and debt management agency. He has more than 25 years of experience educating consumers about a wide range of budgeting, credit, debt and saving issues, and was instrumental in building Take Charge America’s financial education department and community initiatives. More at takechargeamerica.org.

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Essay about VARIOLA VIRUS - 1954 Words

VARIOLA VIRUS SMALLPOX INTRODUCTION The Variola virus, which is the most virulent member of Genus Orthopoxvirus, is the causative agent of smallpox. It specifically infects humans. The primary reason for infection in humans is due to its ability to evade the host immune responses, and avoid complement activation. Over the centuries, this naturally occurring virus has spread throughout the earth, through various environments, to cause severe outbreaks. The most devastation outbreak had a case-fatality rate of 40 percent in individuals who have not been vaccinated. The Variola virus is a double-stranded DNA virus. It has two envelopes: the outer envelope is present only in the extracellular state. The outer surface or the core†¦show more content†¦An infection of the variola virus starts out with flu-like symptoms, then rashes and scabs form throughout – similar to chickenpox, eventually in fatal cases, leading to malignant diseases such as intravascular coagulation, hypotention, cardiovascular collapse or bleeding of skin and intestinal tract (IOM, 1999). HISTORY The history of the smallpox is still a mystery. It is speculated to have appeared among human population during the first agricultural settlements in northeastern Africa, around 10,000 BC (Baraquet and Domingo, 1997). Perhaps the scars, which appear on Pharaoh Ramses V’s delicately preserved mummy dating back to 1157 BC, may be the earliest signs of smallpox exposure (Ellner, 1998). It is speculated that throughout history, exposures to smallpox have been known in all parts of the world, along with the observance of gaining immunity to smallpox upon surviving an exposure. The observance of such a phenomenon throughout history, has led to healthy individuals, to be exposed on purpose in attempts to gain immunity. Inoculation of healthy individuals by placing pus or powdered scab material from an infected individual, to the nose of the intended was recorded by the Chinese as early as tenth century (Ellner, 1998). The procedure of inoculation a healthy individual with smallpox was widely used in England by 1740. Around 1765, English physicians noticed that milkmaids were immune to smallpox, as a result of being exposed to the less severeShow MoreRelatedVaccinations And Immunization : Infection Of The Variola Virus1302 Words   |  6 Pagesby an infection of the Variola Virus. This virus has two strains, both, major and minor, with the major strain resulting in a 30% mortality rate of those infected. - The Variola virus can easily transmitted from one individual to another. Directly from one person to another, direct transmission, requires prolonged face-to-face contact, with an infected individual. The variola virus can be transmitted through the spread of bodily fluids from the infected individual. The virus can be spread throughRead MoreThe Dormant Threat of Smallpox1370 Words   |  6 Pagescauses a fever and rash. The term â€Å"pox† comes from the Latin word for spotted. It also refers to the raised bumps that appear on the face and body of an infected person. Small Pox is cause by the Variola virus that appeared many years ago. There are two rudimentary patterns of small pox: Variola minor and Variola major, which is the worst and most common of the two. The earliest known death was Egyptian Pharaoh Ramses. Could it be a coincidence that the disease also originated from Eygpt? Edward JennerRead More Smallpox : Pathogenesis and Pathology Essay example1591 Words à ‚  |  7 Pageslabs in the world with smallpox. Smallpox is created from the virus Variola which inoculates itself through the skin and into the dermis or more commonly from prolonged, direct face to face contact. Smallpox incubates for as long as two weeks at which time it is multiplying in the lymph nodes and bone marrow. The virus is also able to enter the blood stream and travel through without being harmed by macrophages. The variola virus also causes monkeypox and cowpox however none of these are as badRead MoreHistory and Causes of Smallpox Essay850 Words   |  4 Pagesis caused by the Variola virus, which belongs to the Orthopoxvirus genus. The members of this genus share similar genetic makeup and characteristics. Viruses belonging to this family are large and measure nearly 220-450 nm x 150-260 nm in size. DNA is the genetic material that encodes for 200 proteins, approximately, using its 200,000 base pairs. The DNA is encapsulated inside a capsid, which in turn is e nveloped by membrane proteins. Two forms of the virus cause smallpox. Variola major is the mostRead MoreThe Eradication of Smallpox Smallpox is a disease that has a very high infection rate within the1300 Words   |  6 Pagesvery high infection rate within the human population. It is a pathogen caused by the Variola virus, of which the symptoms of this are high fever, head and body aches, and sometimes vomiting. There are two forms of smallpox, Variola major and Variola minor. Variola major is the most common of the cases which involves a higher fever and more extensive rash. However there are actually four different types of the Variola major and they are: Ordinary which is 90% of the cases, Modified which is mild andRead MoreOverview of Smallpox Essay1045 Words   |  5 Pagessmallpox is considered the first germ warfare agent (Sherman, 2007). Smallpox comes from variola major virus. It is transmitted through inhalation by droplet infection (contact with contagious body fluids). Individuals can also become infected through direct contact with contaminated clothing or bedding. There are two types of smallpox. The Variola virus; major and minor. The more deadly form of the virus, Variola major, generally killed up to twenty five percent of the people infected and accountedRead MoreSmallpox, Etiology Of The Disease And Nursing Considerations970 Words   |  4 Pagescontrolled through the implementation of effective vaccination programs. Variola major or smallpox, is one of these diseases. Smallpox was once a major public health concern associated with a high mortality rate. Through a global vaccination effort, the disease is now considered irradiated. However, in the aftermath of the terrorist attacks of September 11th, there are new concerns about the possible use of the variola major virus as a weapon of biologica l warfare. This paper will review the historyRead MoreThe Impact of Bioligical Weapons on Human and their Environment695 Words   |  3 Pagesthis disease but the CDC does not recommend their routine use. Variola is the virus that cause the smallpox. Variola was an important cause of death and illness in the developing world until recent times. The last reported cases of Variola was in Somalia in 1997. Variola has a high death rate and a secondary spread. Variola can infect people for long periods of time it is very stable and once you get infected the virus multiplies in the persons respiratory tract. The blood then spreads throughRead MoreWhat is Smallpox?789 Words   |  3 Pagesand contagious until the last remaining scab separates from the body. Smallpox is a member of the orthopoxvirus family and is closely related to chickenpox, cowpox, and monkeypox virus. It has two clinical forms which is Variola major and Variola minor. Variola minor is a less common form of Variola major, and Variola major is separated into four types of small pox which are: Ordinary: The most frequent type being responsible for 90% and more cases. Modified: The mild type that occurred in previousRead MoreEssay on Cause and Effects of Smallpox1520 Words   |  7 PagesCause and Effects of Smallpox Smallpox is caused by the variola virus that emerged in human populations thousands of years ago. Smallpox is a specific, infectious, and highly contagious febrile disease known only to be transmitted by humans. It is caused by a virus from air currents which are eventually passed on from person to person. Smallpox varies from a mild form without skin manifestations to a highly fatal hemorrhagic form. Edward Jenner, an English physician, discovered a means of preventing

An Analysis Of In Arabian Nights English Literature Essay Free Essays

Traveling to new states gives life a fantastic experience and helps learn a individual about the civilizations and traditions of that state. Travelling is something that teaches a individual many things as one can hold many interactions with aliens and can assist one larn many new things approximately him every bit good. Traveling is something that everybody experiences in life. We will write a custom essay sample on An Analysis Of In Arabian Nights English Literature Essay or any similar topic only for you Order Now Travelling besides helps a individual addition more cognition about the other states civilization, tradition and linguistic communication. Traveling can assist a individual happen his or her finish in life. Traveling to new states gives life a fantastic experience and helps learn a individual about the civilizations and traditions of that state. Travelling is something that teaches a individual many things as one can hold many interactions with aliens and can assist one larn many new things approximately him every bit good. I had a charming experience during my journey to United States of America. My chief purpose or my mission for traveling to America was for an educational intent. I wanted to cognize more about the state and wanted to research it. I had visited America in the twelvemonth 2007. It was 10 yearss school trip. I truly enjoyed my trip with my friends and I besides got to larn many new things on my trip. We were besides accompanied by our professors. My trip was fundamentally based an educational based. They were really helpful and cheerful. We visited Washington DC, New York and Florida. The experience was great and thrilling. We visited many of import landmarks, museums a nd besides many commemorations. These topographic points would assist me cognize more about the history of America. Wherever we went we would ever seek to acquire more and more information about that peculiar country or topographic point as it would assist increase my cognition about that topographic point. Peoples were really friendly in America. I did non experience that I was off from my place state. The people were astonishing. They were really helpful and cheerful. My experience taught me many things. It helped me larn how to populate an independent life. I had to make all by myself. No 1 would pack my bags or press my apparels ; everything was to be done by me. I had seen a transmutation in myself. I was going independent. It was the best experience of my life. The trip besides helped me better my communicating accomplishment. By speaking and run intoing different people in the hotel every bit good around the metropolis, it felt like I belonged to that state. The trip was real ly enlightening. By going with friends it would assist better societal development and additions adulthood in a individual. My love for travel has increased after this experience. The manner I look at the outer universe has changed. This experience has given me many unforgettable memories and has besides helped me transform myself. The experience of Tahir Shah is in a manner related to my travel experience. He was in hunt for the narrative in his bosom, whereas I was in hunt for instruction as it was during my school yearss and I wanted to hold on every bit much cognition about the state. Tahir was ungratified to happen the narrative in his bosom. He met many people and had assorted interactions with them and at last found the narrative in his bosom. I was besides ungratified approximately deriving every bit much cognition as I can. I met many new people and my interaction with them helped me derive cognition about their civilization and traditions. I had a fantastic and joyful experience. It has transformed my full life. Before I used to fear from speaking to aliens, but now I am really confident as I had an experience which transformed me. Tahirs experience was really alone for him. He had found the narrative in his bosom. On my manner to America, I was Travel trips are something that each individual must travel for. Travelling makes people explore the universe every bit good as explore one A ; acirc ; ˆâ„ ¢s ain life. Traveling can be a fantastic experience. From the narrative written by Tahir Shah, we come to cognize how restless he was to happen the narrative in his bosom. He travelled all the manner to south of Casablanca and found the narrative in his bosom. When I went to America I excessively was ungratified like Tahir because I was in hunt for more and more instruction. Work Cited: Shah, Tahir. In Arabian Nights: a Caravan of Moroccan Dreams. New York: Bantam, 2008. Print. How to cite An Analysis Of In Arabian Nights English Literature Essay, Essay examples

What does Wilfred Owen reveal about the experience of war in his poem Disabled Essay Example For Students

What does Wilfred Owen reveal about the experience of war in his poem Disabled Essay Wilfred Owen’s poem ‘Disabled’ is about the experience of war on the common soldier. War leaves soldiers mentally and physically disabled. Men go to war feeling brave and nationalistic but come back mentally scarred due to the brutality of war. This is revealed by Owen’s use of repetition about blood-shed and the consequences of war on life. Owen also uses constant rhyme and rhythm to show the vicious cycle of life after war. Firstly, Owen presents the reader with the depressing image of a hopeless man. He can’t walk as he lost his legs due to war and is trapped with sadness in his disfigured body. This is shown by him â€Å"waiting for dark †¦ in his ghastly suit of grey†. Owen uses multiple adjectives and colour imagery to vividly describe this man’s sacrifices such as his manly youth and happiness. The simile ‘ the park of boys rang saddening like a hymn, of play and pleasure after day’ shows that the man did not enjoy the voices of the young boys as it reminded him of the good life he once had. We will write a custom essay on What does Wilfred Owen reveal about the experience of war in his poem Disabled specifically for you for only $16.38 $13.9/page Order now The fact that it was a â€Å"saddening hymn† it gives us funeral imagery which reminds us of the lost young lives. The words, â€Å"dark†, â€Å"shivered†, â€Å"ghastly† and â€Å"grey†, as shown in the first stanza, reveal how isolated he is. This is a contrast with the second stanza, where â€Å"Town used to swing so gay† and â€Å"glow-lamps budded in the light blue trees†, this creates an atmosphere of romance and excitement. This suggests that this feeling of happiness will merely be a memory and something he will not feel again. This leaves the reader feeling sympathy for him as it makes him sound lonely and hopeless. â€Å" he threw away his knees†, â€Å"girls glanced lovelier as the air grew dim†. The use of personification with â€Å"as the air grew dim† shows how the air will only get dimmer and will not go back to its old ways of being bright. He regrets losing his legs as women now find him strange and he’ll never be with a girl again as they all ‘touch him like some queer disease’. This makes the man seem as if he was an abnormality to society even though he was just like them once. His depressive appearance gives the reader the impression that he is regretting his original decision to join the army. This reveals that the man did not consider all the consequences of his actions. Young lives are wasted for the sacrifice of war. â€Å"He’s lost his colour very far from here†, this metaphor can show that the man lost his happiness or in the literal sense the colour red due to all of the blood-shed, all wasted where bombs exploded during war, with this Owen creates a sense of blood imagery. Half of his life disappeared as a consequence of war; it was a waste of a life physically and mentally. The two words â€Å"lifetime lapsed† makes the reader feel guilt for sending all those young men to war as they didn’t come back with pride but with misery. At this point of the poem, the tone shifts to nostalgia. Owen emphasises this stanza by making it different from all the others, he does this by making the stanza bigger by using more lines and focusing on the happy part of the man’s life. He does this to show the background and explain life before enlisting. Owen glorifies football and then compares it to war. This is ironic because they are completely different. Football uses adrenaline and physical contact. When â€Å"a blood-smear down leg† it makes them feel like a man compared to war where the physical contact leads to disablement and death. The army would glorify war and leave out the consequences, the brutality of war. Just from a little bit of pride an ordinary man can go as far as lying about his age to join the war. .u9dfc0280c16578b5662156502ecc7fc2 , .u9dfc0280c16578b5662156502ecc7fc2 .postImageUrl , .u9dfc0280c16578b5662156502ecc7fc2 .centered-text-area { min-height: 80px; position: relative; } .u9dfc0280c16578b5662156502ecc7fc2 , .u9dfc0280c16578b5662156502ecc7fc2:hover , .u9dfc0280c16578b5662156502ecc7fc2:visited , .u9dfc0280c16578b5662156502ecc7fc2:active { border:0!important; } .u9dfc0280c16578b5662156502ecc7fc2 .clearfix:after { content: ""; display: table; clear: both; } .u9dfc0280c16578b5662156502ecc7fc2 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u9dfc0280c16578b5662156502ecc7fc2:active , .u9dfc0280c16578b5662156502ecc7fc2:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u9dfc0280c16578b5662156502ecc7fc2 .centered-text-area { width: 100%; position: relative ; } .u9dfc0280c16578b5662156502ecc7fc2 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u9dfc0280c16578b5662156502ecc7fc2 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u9dfc0280c16578b5662156502ecc7fc2 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u9dfc0280c16578b5662156502ecc7fc2:hover .ctaButton { background-color: #34495E!important; } .u9dfc0280c16578b5662156502ecc7fc2 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u9dfc0280c16578b5662156502ecc7fc2 .u9dfc0280c16578b5662156502ecc7fc2-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u9dfc0280c16578b5662156502ecc7fc2:after { content: ""; display: block; clear: both; } READ: Pip's mysterious benefactor EssayHe didn’t have to beg; they wrote his lie†, this shows that army officials do not mind as they need men with that state of mind. Owen highlights this stanza because he wants to show how much false hope and pleasure is told for people to join the war. The man saw the soldiers of Austria and Germany, not as individuals but as a country. ‘Germans he scarcely thought of; all their guilt, Austria’s, did not move him’, only after the war would he realise that the soldiers of Germany and Austria were just like him, individuals with a life to live. He wasn’t even afraid of fear itself, he thought he’d be strong enough to not feel it as ‘no fears came yet’. Before he could think about what he was really doing he was already drafted out to war. The consequences are always left out and never truly understood until the last moment. After the war finished he wasn’t greeted with applaud and didn’t receive the same admiration as he did when he played football. People forgot his accomplishments and didn’t care about what he’d been through. ‘Some cheered him home, but not as crowds cheer . Only a solemn man who brought him fruits him; and then inquired about his soul. ’ From all the people in his town only a simple fruit seller gave him any notice but all it was was pity, he didn’t really understand what the man went through. Owen does this to show that the glory of war wasn’t genuine but something in their subconscious minds and this is revealed after facing the blood-shed. Only now, sitting alone in the park all by himself, he notices how women look over him and go for the men that are whole physically and mentally, those who haven’t been to war. Tonight he noticed how the women’s eyes from him to the strong men who were whole’. This shows that he misses the attention he used to get, and the pain and suffering he had to go through was not worth it. He’ll spend the rest of his life in mental institutes listening to them pity him and not understanding the situation and he’ll listen to them and do what they want him to do. ‘ will spend a few sick years in institutes, do what the rules consider wise, take whatever pity they may dole’. This shows that he will be the one who will actually end up pitying them as they will feel sorry and say if only I knew what you went through but he’ll just hear them but not listen. At the beginning of the poem the rhyme is not as obvious as the end, but near the end the rhyme is clearer. The two words â€Å"Goal† and â€Å"soul† are used in the 5th stanza and they rhyme with each other. The rhyme makes the contrast between the two words more effective as the word â€Å"goal† associates with victory and â€Å"soul† associates more with death. Owen uses a rhetorical question to end his whole poem. Although he only repeats the question twice, it is very effective. The speaker feels sympathy for the man as he asks â€Å"How cold and late it is! Why don’t they come put him into bed? Why don’t they come? † With this Owen reveals that when times are hard no one will come and save you, all you’ll be doing is waiting, waiting for the time where it gets better, but it just won’t come and the ultimate last resort happens to be death. The pain, torture, sacrifices and blood-shed isn’t worth the little glory you get at the end of war.

Genealogy of the Titans and Gods in Greek Mythology

Genealogy of the Titans and Gods in Greek Mythology The genealogy of the Greek gods is complicated. There was not one uniform story all the ancient Greeks and Romans believed. One poet could directly contradict another. Parts of stories dont make sense, seemingly happening in reverse order or contradicting something else that was just said. You shouldnt throw up your hands in despair, though. Familiarity with the genealogy doesnt mean your branches always go in one direction or that your tree looks like the one your neighbor prunes. However, since the ancient Greeks traced their ancestry and that of their heroes to the deities, you should have at least a passing acquaintance with the lineages. Further back in mythological time than even the gods and goddesses are their ancestors, the primordial powers. Other pages in this series look at some of the genealogical relationships among the primordial powers and their other descendants (Chaos and Its Descendants, Titans Descendants, and Descendants of the Sea). This page shows the generations referred to in the mythological genealogies. Generation 0 - Chaos, Gaia, Eros, and Tartaros In the beginning were primordial forces. Accounts differ as to how many there were, but Chaos was probably the first. The Ginnungagap of Norse mythology is similar to Chaos, a sort of nothingness, black hole, or chaotic, swirling disordered state of conflict. Gaia, the Earth, came next. Eros and Tartaros may also have sprung into existence at about the same time. This is not a numbered generation because these forces were not generated, born, created, or otherwise produced. Either they were always there or they materialized, but the idea of generation involves some sort of creation, so the forces of Chaos, the earth (Gaia), love (Eros), and Tartaros come  before the first generation. Generation 1 The earth (Gaia/Gaea) was the great mother, a creator. Gaia created and then mated with the heavens (Ouranos) and the sea (Pontos). She also produced  but did not mate with the mountains. Generation 2 From Gaias union with the heavens (Ouranos/Uranus [Caelus]) came the Hecatonchires (hundred-handers; by name, Kottos, Briareos, and Gyes), the three cyclops/cyclopes (Brontes, Sterope, and Arges), and the Titans who numbered as follows: Kronos (Cronus)Rheia (Rhea)Kreios (Crius)Koios (Coeus)Phoibe (Phoebe],Okeanos (Oceanus],TethysHyperionTheia (Thea)Iapetos (Iapetus)MnemosyneThemis Generation 3 From the Titan pair Kronos and his sister, Rhea, came the first Olympian gods (Zeus, Hera, Poseidon, Hades, Demeter, and Hestia). Other Titans like Prometheus are also of this generation  and cousins of these early Olympians. Generation 4 From the mating of Zeus and Hera came: AresHebe the cup-bearerHephaestusEileithuia the goddess of childbirth There are other, conflicting genealogies. For instance, Eros is also called the son of Iris, instead of the more conventional Aphrodite, or the primeval and uncreated force Eros; Hephaestus may have been born to Hera without aid of a male. In case it is not completely clear where brothers marry sisters, Kronos (Cronos), Rheia (Rhea), Kreios, Koios, Phoibe (Phoebe), Okeanos (Oceanos), Tethys, Hyperion, Theia, Iapetos, Mnemosyne, and Themis are all offspring of Ouranos and Gaia. Likewise, Zeus, Hera, Poseidon, Hades, Demeter, and Hestia are all offspring of Kronos and Rheia. Sources Timothy Gantz: Early Greek MythHesiod Theogony, translated by Norman O. Brown

McCulloch v. Maryland, 1819

McCulloch v. Maryland, 1819 The court case known as McCulloch v. Maryland of March 6, 1819, was a seminal Supreme Court Case that affirmed the right of implied powers, that there were powers that the federal government had that were not specifically mentioned in the Constitution, but were implied by it. In addition, the Supreme Court found that states are not allowed to make laws that would interfere with congressional laws that are allowed by the Constitution.   Fast Facts: McCulloch v. Maryland Case Argued: February 23- March 3, 1819Decision Issued:  March 6, 1819Petitioner: James W. McCulloch,Respondent: State of MarylandKey Questions: Did Congress have the authority to charter the bank, and by imposing taxes on the bank, was the State of Maryland acting outside of the Constitution?Unanimous Decision: Justices Marshall, Washington, Johnson, Livingston, Duvall, and StoryRuling: The Court held that Congress had the power to incorporate a bank and that the State of Maryland could not tax instruments of the national government employed in the execution of constitutional powers. Background In April 1816, Congress created a law that allowed for the creation of the Second Bank of the United States. In 1817, a branch of this national bank was opened in Baltimore, Maryland. The state along with many others questioned whether the national government had the authority to create such a bank within the states boundaries.  The state of Maryland had a desire to limit the  powers of the federal government. The General Assembly of Maryland passed a law on February 11, 1818, which placed a  tax on all notes the originated with banks chartered outside of the state. According to the act, ...it shall not be lawful for the said branch, office of discount and deposit, or office of pay and receipt to issue notes, in any manner, of any other denomination than five, ten, twenty, fifty, one hundred, five hundred, and one thousand dollars, and no note shall be issued except upon stamped paper. This stamped paper included the tax for each denomination. In addition, the Act said that the President, cashier, each of the directors and officers .... offending against the provisions aforesaid shall forfeit a sum of $500 for each and every offense....   The Second Bank of the United States, a federal entity, was really the intended target of this attack. James McCulloch, the head cashier of the Baltimore branch of the bank, refused to pay the tax. A lawsuit was filed against the State of Maryland by John James, and Daniel Webster signed on to lead the defense. The state lost the original case and it was sent to the Maryland Court of Appeals. Supreme Court The Maryland Court of Appeals held that since the US Constitution did not specifically allow the federal government to create banks, then it was not unconstitutional. The court case then went before the  Supreme Court. In 1819, the Supreme Court was headed by Chief Justice John Marshall. The court decided that the Second Bank of the United States was necessary and proper for the federal government to exercise its duties.   Therefore, the US National Bank was a constitutional entity, and the state of Maryland could not tax its activities. In addition, Marshall also looked at whether states retained sovereignty. The argument was made that since it was the people and not the states who ratified the Constitution, state sovereignty was not damaged by the finding of this case.   Significance This landmark case declared that the United States government had implied powers as well as those specifically listed in the Constitution. As long as what is passed is not forbidden by the Constitution, it is allowed if it helps the federal government fulfill its powers as stated in the Constitution. The decision provided the avenue for the federal government to expand or evolve its powers to meet an ever-changing world.