Solving The Student Debt Crisis Essay - 1609 Words

The student debt crisis has reached an all time high with debt reaching a total of 1.3 trillion dollars across the United States.With tuition cost increasing,lack of scholarships and an increase of government loans,student debt will continue to increase.The enormous amount of debt put upon each student creates the inability of those students to help the economy grow.Our economy as we know it is in shambles and decreasing the student debt significantly will help the economy grow.Instead of debt owers putting that money towards the government where it won t be used to help decrease the student debt as we can see by the total debt, it should go to the community. Money going to places such as purchasing homes,cars,consumer goods will help improve the economy.To help alleviate the immense amount of student debt lenders should be required to forgive student loans in cases where students are unable to repay their debts,decrease cost of attendance,and increase scholarship opportunities fr om universities and implement more merit based sholarships.Doing so would benefit the growth of the economy by increasing the job market,housing market and would help businesses grow. Pineda 2 Students on average have more than 25000 dollars in student loan debt they have to pay back.Due to the incredible amount of debt certain issues arise ofShow MoreRelatedThe National Student Loan Debt1571 Words   |  7 Pagesadded to the national student loan debt. According to the Consumer Financial Protection Bureau, college debt now ranks second in the greatest debt owed besides a home mortgage. Unfortunately, the affordability of obtaining a post-secondary education no longer exists. Americans are now faced with over $ 1 trillion dollars in student debt. With such a huge escalation in college debt, we are facing a generation where over 50% of graduates will owe debt (McDaniel). While having debt after graduation isRead MoreBudget Cuts780 Words   |  4 PagesIllinois State government. The schools are being forced to make budget cuts. The teachers at the schools are being forced to take furlough days, which are day they have take off with out a pay. The cause of all of these actions is due to the major debt the State of Illinois is in. The money the state should be paying the universities, the state is using it on other items. University of Illinois is one of the schools that has to take budget cuts. This is unfair to the University of Illinois becauseRead MoreMiddle And Working Class Family s Depend On Student Loans Essay1546 Words   |  7 Pages Initial Draft Student Loan Debts Terri Gray Chamberlain college of Nursing â€Æ' Prewriting Assignment What is your narrowed topic? Middle and working class family’s depend on student loans. Loans are the only way to an education for many families not only here in the USA. Also I find it interesting that most minority families do not understand the cost of education. Student loans are aver political issue and many polices and laws have been put in place for people to have access to education yetRead MoreA Modern Day Setback That Affects The Majority Of Americans1623 Words   |  7 Pagesschool student thinking about your future and college. In this situation, you are the student who gets excellent grades and works hard but isn’t financially stable. You, like lots of others, have dreamed of pursuing your education at the schools you have been accepted to but, you have come to the conclusion that it’s not possible for you to attend those schools because of your financial situation. Thus, you’re forced to attend a community college or take out loans that will leave you in debt for aRead MoreFinding Work After College Essay924 Words   |  4 Pagesfield that is unrelated to their degree. This could be due to how many people are also trying to apply for jobs in that specific field, or it could be that that job does not provide them with enough money to live off. The most important thing that students really need to ask themselves before they attend college is, â€Å"is a college degree really enough in today’s world to get a good career and a well-paying job?† The last thing that a college graduate expects is to be working at McDonalds and livingRead MoreMOOCS and the Future of Education Essay502 Words   |  3 Pagestechnology is advancing around all of us. Computers are now accessible everywhere you go, cell phones in everyone’s hands, and even wireless internet in business we go to everyday. It doesn’t seem too farfetched now, just like online courses for college students who wish to attend without leaving the comfort of their own home for the price of internet and perhaps a book. As crazy as it sounds, it is completely true and it is becoming a huge hit. Massive Open Online Courses, MOOCS, are a popular up and comingRead MoreNew College Compact Or College For All Act?1555 Words   |  7 PagesParty presidential primaries and caucuses are a series of ongoing heated battles between Hillary Clinton and Bernie Sanders. One of the most prominent topic is the issue of student debt. According to the Federal Reserve Bank of New York, student loans have quadrupled since 2004, to $1.2 trillion (Brown). This insurmountable debt is an astronomical problem for Americans today and more so, for future Americans. College tuition has been rising for the past 40 years and will continue to do so exponentiallyRead MoreThe Teachers Of Detroit s Public1502 Words   |  7 PagesHow the can teachers expect their sickout to remedy cut pay and benefits, district debt, and dilapidated schools. The mass amount of teachers claiming to be sick has caused the schools to temporally shut down and this isn’t some snow day (G. B., B. B., D. S, 2016). Forcing these schools to shut down has greatly effected the students. Teachers need to accept the fact that their actions are harming their students and not helping. â€Å"COUGH† â€Å"COUGH† Read MoreStudent Loan Debt Has Become A National Problem With No Solution2311 Words   |  10 PagesIntroduction: According to CNN, â€Å"Almost 19% of student loan borrowers owe more than $50,000.Only 6% of borrowers had that much in 2001.† (Gillispe, 1). Why has student loan debt increased so much? Student Loan debt has become a national problem with no solution. Many students are borrowing more money to keep up with the rising cost of tuition in universities, leaving themselves with thousands of debt after graduation. Students after gaining this debt, have to find jobs to support it which can comeRead MoreObama s New Executive Action1250 Words   |  5 Pagesaffirm that they have been here for that many years ? There are too many technicalities and the fact that you re only doing this to make the republicans angry ( because whatever Democrats come up with Republicans disagree with, like the budget crisis ) will lacerate the U.S.A, not you. II. Reason #1 and Evidence First and foremost, Obama should have gone through Congress , the natural way. The natural way for a law to become a bill is to go through the house and then the Senate and then the

Heritage as an Idea of Oneself in Bless Me Ultima and The...

Heritage as an Idea of Oneself in Bless Me Ultima and The Lone Ranger and Tonto Fistfight in Heaven Traveling through humanity is a never-ending story. Traveling through ethnicity is an ever changing journey. Is race or culture a matter of color? Is it a way of life; or a decision an individual makes? Is it an idea one has of themselves? In the novels, Bless Me Ultima (Anaya 1972) and The Lone Ranger and Tonto Fistfight in Heaven (Alexie 1993), two different minority characters, Tony and Victor, give voice to their journey of growing up and finding their place in the world in regards to their heritage. The characters, in Anayas and Alexies novels, relate to a dominant culture, pursue balance in their life by†¦show more content†¦Given these two choices, Tony feels he must choose between them. Anaya introduces Tony to a different culture, as he enters school; there he meets the white dominant culture head on. Tony, now blends a third culture into his life. Tonys heritage offers him two ways of being a Spanish-Mexican-American; in Alexies novel, Victor strives to be an Indian, period. Victor’s culture, being different from Tonys, breeds different cultural problems. Victor, a Native American Indian, in Sherman Alexies The Lone Ranger and Tonto Fistfight in Heaven, searches daily for ways to survive being Indian. Victor lives in a white world that continually divests him of the privilege of his heritage daily. The ordinary daily erosion damages Victor--and the Native American--the most. Alexie writes, . . . its almost like Indians can easily survive the big stuff. Mass murder, loss of language and land rights. Its the small things that hurt the most. The white waitress who wouldnt take an order, Tonto, the Washington Redskins (Alexie 49). Victor needs to learn to survive the daily-ness, the ordinary and wants someone to show him how and says: . . . I have] to find out what it mean[s] to be Indian, and there aint no self-help manuals for that . . . (Alexie 211). As Victor wanders through the Native American cultural maze, somew hat aimlessly and alone, Tony is

Mall Culture free essay sample

The tremendous hike in the number of shopping malls in Mumbai is the direct result of globalization. In its march towards the Global Village, the shopping malls are providing Mumbai with the gusto to move still further. The shopping malls can be said to be the outcome of the class conscious citizens who prefers sophisticated environs for shopping. In fact, the mushrooming of the international brands in India, has also created the need of multifarious shopping malls to emerge. Mumbais shopping mall emerged amidst the bustle of the city. It exhibits a wide range of accessories from clothing to foot-wear, crockery to books; the shopping malls of Mumbai contains all and sundry of the household chores. Now-a-days, with the growing trend of window shopping, the shopping malls always stay vibrant with many kinds of people pouring into the malls throughout the day. Children come to the shopping malls to enjoy – as the malls keeps the latest versions of the video-games, teenagers come here to keep abreast with the prevalent trend; whereas the adults come here to really shop for their necessities. We will write a custom essay sample on Mall Culture or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Being the major center of commerce, the shopping malls of Mumbai are the best place to study the crowd of a city or a town. Here we can find people trying different kinds of outfits in front of the mirror, or loitering throughout the mall in search of a favorite commodity. In the shopping malls , we find people from different backgrounds joining in for the same cause, viz. shopping! Shopping malls in Mumbai are known as the paradise of style and fashion. From dress materials, accessories swim suites, to branded apparels and life style equipments, these shopping malls cater to the multi-pronged needs of the customers. To update about and provide the people of Mumbai the trendiest deliverables the shopping malls come with an endless line of daily use products as well as goods that are exclusively made for special occasions. The shopping malls of Mumbai are of different nature. While some are life style stores, some others are superstores. The most prominent shopping malls that don the fashion fiesta of Mumbai are: ? R mall in Mulund a just blend of entertainment, shopping and dining, the place houses multiplex, pub, restaurant, Pizza Hut and a kids’ gaming station ? Inorbit mall in the western suburb a shopping site dealing with cosmetics, appliances, garments and furniture, the place houses a four-screen multiplex | ? Hypercity mall in Malad Link road – with a super market and computer and computer accessories shops the two storied mall is famous for tech equipments ? Atria mall in Malad – a five-storied structure, the mall is the place of national and international brands, gaming section, bowling alley and food joints ? Crossroads mall – with a sprawling 1, 50, 000 sq ft of area, the centre houses four buildings and is popular for expensive branded apparels ? Phoenix mall – the place is full of big names like McDonalds, Pantaloons, Provogue, Adidas and Reebok ? Nirmals in Mulund – apart from Pantaloons and Shoprite Hyper, the place accommodates many small retail shops ? Metro-Junction in Kalyan – dealing in an infinite range both Indian and non-Indian brands this one has food zone, parlors and music stations With plans of many more upcoming centers, Mumbai is surely all set to become a bustling hub of magnificent and awesome shopping malls. Ch-2. Methodology Issues 2. 1. Research Objectives To conduct in-depth study on consumers’ buying behaviour in a mall. To know the relation between income pattern and shopping in the mall. To know what the average consumer prefers to buy today. To gain an insight and get into the psyche of the consumer. To prepare report based on a field survey of 50 people, mostly in Ulhasnagar city. To be practical in the field of Marketing Research. To become a part of this industry in future. * To gain information regarding consumers monthly income, general buying preferences, visiting preferences and expectations regarding anything specific in the mall. 2. 2. Research Object Hypothesis A Hypothesis is a specific statement of prediction. It describes in concrete terms what we expect will happen in our study. We define a proposition as a statement about observable phenomena (concepts) that may be judged as true or false. When a proposition is formulated for empirical testing. It is called as HYPOTHESIS. Hypotheses have also been described as statements in which we assign variables to cases. There are two types of hypotheses: 1. Descriptive Hypotheses 2. Relational hypotheses Descriptive hypothesis: Descriptive Hypothesis states the existence, size, form or distribution of some variable. Descriptive Hypotheses format has many benefits: * It encourages researchers to crystallize their thinking about the likely to be found. * It encourages them to think about the implications of a supported or rejected finding. * It is useful for testing statically significance. Relational Hypotheses: These are statements that describe a relationship between two variables with respect to some cases. In this hypothesis we have two interpretations. The first interpretation indicates a co relational relationship; the second indicates an explanatory, or causal, relationship. Correlation Hypotheses state that the variables occur together in some specified manner without implying that one causes the other. Such weak claims are often made when we believe there are more basic causal forces that affect both variables or when we have not developed enough evidence to claim a stronger linkage. In research, a hypothesis serves several important functions: * It guides the direction of the study. * It identifies facts that are revelant and those that are not. * It suggests which form of research design is likely to be most appropriates. It provides a framework for organizing the conclusions that result. Null Hypothesis:- The simplistic definition of the null is as the opposite of the alternative hypothesis, H1, although the principle is a little more complex than that. The null hypothesis is a hypothesis which the researcher tries to disprove, reject or nullify. The null often refers to the common view of something. Alternative hypothesis:- Is what the researcher really think is the cause of a phenomenon. An experiment conclusion always refers to the null, rejecting or accepting H0 rather than H1. Despite this, many researchers neglect the null hypothesis when testing hypotheses, which is poor practice and can have adverse effects. H0:- Shopping in Mall amp; consumer Income are not related. H1:- Shopping in Mall amp; Consumer Income are related. 2. 3. Description Of Concept A shopping mall or shopping centre is one or more buildings forming a complex of shops representing merchandisers, with interconnecting walkways enabling visitors to easily walk from unit to unit, along with a parking area  Ã¢â‚¬â€œ a modern, indoor version of the traditional marketplace. Shopping Malls are gradually taking places of Parks for younger generation. They go hand in hand, sit in some cafe and spend time. For companies, it allows to feature their brand and lure the younger generations to aspire for their products. The concept of Shopping malls is quite popular in India as one gets everything from top to bottom under one roof , with an excellent ambience of style and elegance , having potential to make one feel to shop . 2. 4. Scope Of Study The following report is an in-depth study on consumers’ buying behaviour in a mall. Primary data, which is the feedback received directly from the consumers, is collected, sorted and converted into statistical form. The outcome so obtained is then analysed and possible conclusions are drawn. These conclusions help in knowing what the average consumer prefers to buy today. Conversely it helps in understanding what his dislikes are too. Whether the product to be launched gains acceptance in the mind of the consumer depends to quite an extent on the Research Report. It helps us gain an insight and get into the psyche of the consumer so we can design more and more products and services which are best suitable to his needs. Not only will this help in making more profits but also in enhancing consumer loyalty – a boon in today’s competitive world. The findings of the report are based on a field survey of 50 people, mostly in Ulhasnagar city. Although it may not give an exact idea of the buying behaviour of every consumer, it does give a peek into the mind of the general preferences of the conservationalist, the average and the spend-thrift consumer. Data refers to a collection of natural phenomena descriptors, including the results of experience, observation or experiment, or a set of premises. This may consist of numbers, words, or images, particularly as measurements or observations or a set of variables. Primary source is used to collect initial material during the research process. Primary data is the data that the researcher collects himself using methods such as surveys, direct observations, interviews as well as logs. Primary data is reliable way to collect data because the researcher will know where it came from and how it was collected and analyzed since he did it himself. Primary sources of information allow the lear ner to access original and unedited information. A primary source requires the learner to interact with the source and extract information.

Problem of evil Essay Example

Problem of evil Paper A) Objections Arising from Evil in the World, explain what is meant by this claim The word evil is a word which can be used very loosely, usually used to describe something we think to be morally wrong, something that when in inflicted on a person causes pain and suffering. However, if an evil act is committed by someone who has been in all other aspects good, does this act make this person evil? There are many different situations where evil acts could be done all with different circumstances and consequences. For example; at Auschwitz, so many guards were involved in the slaughter of massive amounts of Jews but it seems unlikely that all of them were evil. The actions may be considered evil but they were normalised by the sense of responsibility felt by the guards. In their eyes, they were carrying out a duty so the question of whether they are to be labelled evil is indefinite. There are two recognised categories which evil can fall under: Moral evil and Natural evil. Richard Swimburne, a modern day philosopher describes moral evil as including all evil caused deliberately by humans doing what they ought not to do, and also the evil constituted by such deliberate acts or negligent failure. It is the result of a human action which is morally wrong, such as murder or war. Natural evil is the result of apparent malfunctioning in the natural world, it is according to John Hick the evil that originates independently of human actions. It is in disease, in bacilli, in earthquakes, in storms, and in droughts. We will write a custom essay sample on Problem of evil specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Problem of evil specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Problem of evil specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The fact that evil, or suffering is an undeniable factor in our lives presents an array of problems in todays world where there is a strong belief by many of a higher power which should in theory, be able to eradicate it from the world or in fact never have let it come to exist in the first place. For believers in the God of Classical Theism, this problem of evil as it is often referred to, creates a serious dilemma. Moral evil is an easier problem to tackle for a theist than that of Natural evil, as it can be said that it occurs from the misuse of freewill, but they are still faced with justifying the existence of Natural evil. If God created the world from nothing, then there is nothing beyond His control so for whatever reason, God must be the creator of evil and suffering. A theist can sometimes be faced with justifying both types of evil as natural evils like tsunamis and hurricanes are often the cause of people committing moral evils like looting. The problem is not easily justifiable and is illustrated in The Inconsistent Triad, which states the points: God is omnipotent and omniscient (A), God is all-loving (B), and evil exists (C). These three statements cannot all be true so it would seem that one of them is false, but since we know evil and suffering exist the inconsistency must lie in one of the other 2 points. The conclusions drawn from this are that either God is not omnipotent and cannot stop evil from existing, or that God is not all-loving and chooses not to stop evil existing, or that in fact God does not exist. This can be used as an argument for the non-existence of God. A quote from Swimburne on the Problem of Evil, There is a problem about why God allows evil, and if the theist doesnt have (in a cool moment) a satisfactory answer to it, then his belief in God is less than rational and there is no reason why the atheist should share it. An example of the problem being used in this way is in Humes combat of Thomas Aquinas Design Argument (Summa Thelogica) where he labels the Problem of Evil as The Rock of Atheism. However, whilst being a problem for theists in that it challenges the nature of God, it also poses problems in other ways. It presents itself as a philosophical problem as it compels the believer to accept conflicting claims that are logically impossible to reconcile. It is also a diverse problem; evil manifests itself in many different ways, demanding separate explanations. The problem of evil has proved itself to be a challenging problem, as it is not just going to disappear, evil and suffering are objective realities which are almost impossible to deny. B) Unpack two theodicies and analyse which how successful these are As I said, the justification of Gods allowance for the existence of evil is not easy, but there are many theodicies which have developed that provide strong arguments. A theodicy is a theory that justifies why God allows evil without qualifying the attributes of the God of Classical Theism. Two of which are those of Augustine and Irenaeus. Augustines theodicy has had considerable influence over many scholars since it was developed and attempts to provide justification for both moral and natural evil. According to Augustine, the perfect God created a flawless world where evil and suffering did not exist, and that God is not responsible for the existence of evil as it is not a substance, but in fact a deprivation of good. He uses an analogy of blindness to illustrate his meaning, as blindness itself is not an entity but an absence of sight. Augustine claims that evil comes from angels and humans who have deliberately turned against God and abused his gift of freewill. He states that evil is necessary in a created world as only the uncreated creator can be perfect, his creations are susceptible to change. Augustines idea on the existence of Natural evil is that it exists as a punishment for the Original Sin, which we are all guilty of as we were all seminally present in Adam at the time it was committed. Natural evil punishes us for the destruction of the natural order by human action. For these reasons God is right not to intervene and the fact that he does save some through Christ emphasises His mercy. God would be justified in sending everyone to hell for being guilty of the Original Sin, the fact that some go to heaven shows Gods goodness. Augustines theodicy has some substantial strengths, as is proved by its popularity. Brian Davies is an example of a scholar who supports his claim that evil is only a deprivation of good rather than having a proper existence, he said it is a gap between what there is and what there ought to be. To criticise would be to say that God should have created more than he did which doesnt make sense; how is anyone to know how much more should have been created. Augustines views on evil being a product of freewill have also been upheld. Despite its strengths, Augustines theodicy has many holes in it to be addressed, it contains logical, scientific, and moral difficulties. Augustines concept of Hell comes under scrutiny; Hell is part of Gods design of the universe, so it was created before the worlds flaws began to appear, which means that God must have anticipated and accepted that the world would go wrong. F.D.E Schleiermacher expresses his logical contradiction to Augustines views on the origin of evil and a perfect world going wrong, Schleiermacher informs us that whether evil is a deprivation or not it is still real and it is therefore logically impossible for it to just come out of nothing. This means that evil must be connected to God and he either never created the world perfect or he made it so it was able to falter. Another logical difficulty of this theodicy comes of the capacity to do evil in a perfect world and disobey God, as in a perfect world no knowledge of good and evil should exist. The knowledge of them could only come from God. Scientific difficulties stem from the modern worlds concept of evolution; the idea of a perfect world being damaged by humans does not allow for evolution. Moreover, Augustine refers to the Garden of Eden in his theodicy, and this paradise is hard to accept on the basis of evolution. A final difficulty lies with the concept of us all being seminally present in Adams loins, this is biologically impossible so we cannot all be responsible for the Original Sin. From comparing the strengths with the criticisms we can see that Augustines theodicy ultimately fails. The theodicy of Irenaeus is another which provides a formidable answer to the question of why God allows evils existence. As said by Irenaeus, Gods aim when creating the world was to make humans in his likeness, but to do this, humans could not be made perfect but had to develop through free will. It was therefore necessary for God to give us free will and therefore necessary to give us the potential to turn against him. If he didnt enable this, we could never attain Gods likeness as according to Ireneaus it requires willing co-operation. The natural order had to be designed in a way where humans could cause harm, which they did resulting in suffering, but God still cannot compromise our freedom by removing evil. Ireneaus claims that the evil and suffering will eventually be overcome and everyone will attain Gods likeness and reside in Heaven. This justifies temporary evil, which if complying with Ireneaus thought enables the understanding of good. Many philosophers have added to Ireneaus theodicy including John Hick (who claims that good developed from free will is better than ready-made goodness), and Peter Vardy who used an analogy of a king to illustrate this where a king falls in love with a peasant girl but rather than imposing his power on her and forcing him to marry her, he wins her over. They both believe that without development our goodness would be without value, we would be automatons. According to this theodicy, humans had to be created imperfect to be able to go against God, and they had to be created at a distance from God so they could decide for themselves to believe in him. If we were sure he was there, there would be no free will, John Hick called this the epistemic distance. If God wasnt separated from humans we would know he was real and would live a good, moral life because we would know that it is in our best interests, it wouldnt be real goodness. Humans also couldnt be created in a paradise or else qualities such as courage would not be attainable and there would be no development as good and evil would be indistinguishable. The theodicy justifies natural evil as it makes the world well adapted to soul making (John Hick). The Modern Additions to this theodicy claim that heaven is the eventual goal for everyone for three reasons; a future in heaven is the only justification for the suffering of the world. Secondly, if life were to end in death Gods purpose would be unfulfilled since we would not be reaching our goal of becoming Gods likeness. Lastly, nobody can be overlooked as evil acts are carried out in different circumstances for different people. For example, someone who was abused while being raised is much more likely to be abusive as an adult, it is something they are used to and have become desensitised to. There are solid criticisms of Irenaeus theodicy as well as Augustines: For example, everyone going to heaven defies religious texts as well as making it pointless to live a moral life, why bother if you are going to heaven anyway? It also takes away the incentive to develop into Gods likeness which Irenaeus regarded of utmost importance. Another critique is of the level of suffering needed to make the world adapted for soul making, e.g. Was the Holocaust really necessary? Finally, it can be said that love can never be expressed through suffering, supported by D.Z Philips who said it is not justifiable to hurt someone to help them. To conclude, neither of these theodicies can be considered perfect by any means, but Ireneaus is the stronger of the two. Where Augustine fails to provide room for belief in evolution, Ireneaus manages it and while Augustine cannot provide a logical explanation for the origin of evil, Irenaeus provides a stable reason for it. It is also popular, like Augustines for its views on free will.

The links between domestic violence and homelessness and the extent to which help is available by victims The WritePass Journal

The links between domestic violence and homelessness and the extent to which help is available by victims Introduction The links between domestic violence and homelessness and the extent to which help is available by victims    [online]). Women of a wide range of ages, relationship types and social, cultural and economic backgrounds are affected by domestic violence. The prevalent assumption is that domestic violence against women happens primarily in working class households and is strongly correlated with alcoholism and poverty, and this is to some extent borne out by research (Hague and Malos, 1993). Studies have found well-defined connections between homelessness and women who have undergone traumatic experiences such as neglect, abandonment and sexual abuse (Crisis 2006). Homelessness and transience for women and children is a common feature of the stories of many women who have escaped domestic violence. A high priority for women who have left abusive relationships is to secure income and housing. However, if they are under the age of 16, they are unable to avail of temporary accommodation or other services for the homeless. Single mothers also face challenges. Because they lack childcare, they a re unable to seek employment (Miller, 1990).  Ã‚   The following sections look first at the ways in which homelessness and domestic violence are connected, and then look at the ways in which assistance can be provided. Connections between homelessness and domestic violence The 1977 Act S1-1, S20 defines a person as homeless if â€Å"there is no accommodation which he and anyone who normally lives with him as a member of his family, or if it is probable accommodation but cannot secure entry to it, either because of violence or real threat of violence from someone else residing there†. There are several reasons that a woman might become homeless. These include a failure of familial relationships, a request to leave, unemployment, marital disputes, eviction, and illness (Watson Austerberry, 1996). Because women tend to have lower incomes than men, they are more likely to be vulnerable to a number of problems associated with poverty, including homelessness. Women who separate from their partners risk relocating to substandard housing, or being left without housing at all.   Indeed, not all households considered to be homeless are entitled to accommodation. Some authorities consider homelessness due to domestic violence to be â€Å"intentional ho melessness† (Watson Austrereberry, 1996). Women who are victims of domestic abuse, sexual abuse or other traumas subsequently often find themselves victims of homelessness because they are frequently considered by local authorities to be insufficiently vulnerable (as defined by homelessness legislations) to qualify for priority needs. This is less common for single mothers, but without a child in the household it is very difficult for a woman to be deemed vulnerable enough for temporary housing. It is clear that women are confronted with the double challenge of being both domestic violence victims and also at risk of becoming poor, homeless single mothers (Baker, Cook and Norris, 2003). In order to escape domestic violence stemming from a partner, women may be forced to leave their homes. Marxist analyses suggest that women often fall into low-income brackets because they are a part of a capitalist, patriarchal society that leads to a gender-based division of labour (Maidment 2006).   When women do achieve economic independence, their earnings tend to be significantly lower than men’s, this being the result of a gendered hierarchy of occupations where women’s typical occupations are concentrated at lower levels of the job market, and with women making up the majority of those in part-time jobs. Because women are forced to rely economically on men, their issues with domestic violence and abuse are exacerbated.   Thus, a significant number of women remain ign orant of any assistance that’s potentially available, and consequently the issue of repeat homelessness is still a concern. An important matter to consider is the lack of women-only housing. Overall, the issue remains that homeless women are not accessing the support and help they need (Reeve, Casey, and Gouldie, 2006). Despite the progress in past decades in policy and legislation regarding homelessness, homeless women still face daunting challenges. While improved legislation and policy exist, women’s broader circumstances, requirements and vulnerabilities are not taken into consideration by local authorities. This means that   they are often denied the assistance necessary to access accommodation (Reeve, Casey and Gouldie, 2006). In some cases, women who are experiencing marital violence – physical or mental – are asked to return to their homes and rely on legal processes to remove their abuser from the home (Women’s National Commission, 1983) , which is clearly unsatisfactory as it places them at risk of further abuse. Therefore, women who are unable to independently access the financial or social resources necessary to enter the housing market may be forced to live with domestic and family violence simply because of lack of alternatives (Chung, et al 2000). At the same time, if they feel unable to continue living in the home, they are likely to face total homelessness. Women at risk often contact their local authority for assistance. Local authorities may have a duty to provide shelter (Shelter 2013), and must be aware of any local connections a woman may have in relocation areas, due to the potential threat of violence from those local connections. However, in practice there seems to be many shortfalls in the provision of care by local authorities. In one survey, the majority of women who said they had approached local authorities for homelessness assistance reported extremely negative experiences (Hague and Malos 1993 ). Some mentioned being ‘turned away at the door,’ while others claimed to have been discouraged from making a formal application for assistance. The women reported the local authority staff they dealt with had preconceived notions of who was deserving of assistance and who was not (Hague and Malos, 1993). Of those surveyed, more than one-third had never approached the local authorities for homelessness assistance. Of the women who did seek assistance, less than one third were given priority need status, and 28% were determined to be homeless by intention (Reeve, Casey and Goudie, 2006). Where women do receive assistance, this is frequently less than adequate. For example, women are often given temporary accommodation in hostels, bed and breakfasts or private housing. Domestic violence from husbands or male partners is typically linked to marital or partnership difficulties, for example different expectations. If a woman is forced to leave her home due to partner violen ce, her difficulties may be exacerbated because in leaving her partner she may also be leaving her financial security. Additionally, homelessness legislation has recently been restricted in order to prevent it from being used as an access point for permanent housing. The loss of a home is in itself an additional traumatic element which adds to the complex problems of domestic or relationship violence. Women who leave their homes to escape domestic violence may also face the challenge of needing to find a job that pays a living wage, and this difficulty may be compounded by the fact that women in this situation often have only employment experience. It has been reported that women who have been exposed to domestic violence are subject to poverty and unemployment (Byrne et al., 1999). The diminished amount of affordable housing stock leads to further challenges in attaining permanent housing. The amount of housing constructed by London councils and housing associations has decreased significantly – from 21,147 in 1978 to 2,490 in 1996 (Reeve, Casey and Goudie, 2006). Therefore, though local authorities are required to find new housing for a vast number of people, they have to do so with a shrinking stock of suitable housing. In one survey of homeless persons, 14% of respondents reported leaving their most recent home due to domestic violence – making it the second highest cause of homelessness. When this question is restricted to just women, the number rises to 20%. These people all named their abusers as someone they knew, including family members, partners and local drug dealers. In the 41-50 year old age bracket, 40% of women cited domestic violence as the main cause of their homelessness, identifying it as the number one cause of homelessness for this age group (Reeve, Casey and Goudie, 2006). What assistance are victims of domestic violence able to seek? A refuge acts as a safety net for domestic violence victims in the immediate aftermath of leaving the domestic home. Refuges typically provide short-term accommodation, legal help, support groups and children’s programming (Baker, Cook and Norris, 2003). They offer an urgently needed safe space for abused women and their children, and work to help women regain control of their own lives. Thus, refuges meet the primary requirement of women fleeing domestic violence – safe emergency shelter. More well-equipped refuges are also able to offer facilities for childcare and creative play. The women’s aid movement has been instrumental in making refuges available to homeless women. Refuges have become a boon for women fleeing domestic violence, but it is still difficult for single women without children to gain access or temporary accommodation (Watson and Austerberry, 1996). Women who are forced to remain in the refuge for a long period of time experience stress and anx iety brought on by living in a public, crowded space. Residents must share rooms and amenities, which can lead to struggles. This is an increasing problem, as women currently housed in temporary refuges are facing ever-longer waits for permanent housing to become available (Ozga, 2005). Additionally, the fairly strict rules that exist in some refuges can deter some women from using them, and some refuges fail to meet the needs of some groups of women, including women with disabilities, young women and women with mental health disabilities (Chung et al, 2000).   In 1988 the British government decided that the need for housing should be met by housing associations and local authorities should become   â€Å"enablers and regulators†. That is, local housing authorities should become a residual welfare sector. The 1988 Housing Act therefore visualised housing associations taking over the role of provider of social housing instead of local authorities. The statutory obligations to provide shelter and permanent housing to homeless people still apply to housing authorities (Charles 1994). Additionally, housing associations are increasingly involved in the provision of accommodation, though local authorities are still the first point of contact in terms of rehousing for women and children leaving refuges. The problem is exacerbated because there is a shortfall in both refuge accommodation and temporary or permanent accommodation for women escaping domestic violence. Women and children typically stay in refuges for three months or even longer. Previous studies had showed that many of these women leaving refuges are permanently rehoused, however many others return home, either to their abusive partner or with an exclusion order (Chung et al, 2000). The other option is the private rental sector but this is usually not a realistic one. For many women is not an option to rent privately because private landlords not accept tenants who are dependent on benefits or who have children, and where landlords do take these women they often do not offer secure tenancies. In addition, the rent is very expensive and most of the women cannot afford to pay. The high costs of private housing, even with the help of housing benefit, has led to some women being unable to access suitable locations or taking houses in locations that were not suitable to their needs, such as homes which are a long distances from schools, and are not close to public transports or other facilities. Such housing arrangements are unlikely to be sustainable in the long term, and women are likely to continue seeking more suitable accommodation, therefore continuing to be unsettled (Chung et al, 2000). Conclusion Domestic and family violence are major factors contributing to women’s and children‘s homelessness. Women are still fleeing domestic and family violence for their own safety because the legal system cannot guarantee their protection. Despite the economic and social vulnerability of many such women, they often feel they have no choice but to escape a situation where they have no power and are subject to violence and abuse. The responsibility of support networks is critical for assisting women in living in relationships free of violence. It is important that housing assistance is available to women who become homeless due to domestic or familial violence. Providing women and children with affordable and safe housing must be a priority, or assistance must be given to help find steady, affordable and appropriate accommodation within a short period of time. Over the long-term, it is important to expand the amount of affordable and suitable housing available, guarantee satisfa ctory incomes, and offer the essential support services for current and future needs of all homeless persons. It would also be advisable for domestic violence and practice guidelines to encompass policy commitments for women who have traditionally been deemed not vulnerable enough and denied rehousing assistance. These women include those without children, those who experience domestic violence stemming from outside of their homes, those who have disabilities, and those who lack meaningful local connections. The heterogeneity of women’s experiences of domestic violence cannot be underestimated, and gives a clear indication of the need for women to be empowered to make real choices about what strategies they wish to take to ending the violence in their lives. References Baker,C, Cook, S, and Norris, F, 2003, Domestic violence and housing problems: A Contextual Analysis of Women’s Help-Seeking, Received Informal Support, and Formal System Response, [online] http://socialsciences.people.hawaii.edu/publications_lib/domestic%20violence%20and%20housing.pdf accessed 02/11/13 Charles, N, 1994, Domestic Violence, Homelessness and Housing: the Response of Housing Providers in Wales, Critical Social Policy, vol.14, no.2 (41), p.36-52. Chung, D, et al, 2000, Home Safe Home, The link between domestic and family violence and women’s homelessness, Australia, Pirion Pty Limited. Crisis (2006) ‘Homeless Women’, Crisis, London.Hague, G, Malos, E, 1993, Domestic violence Action For Change, Cheltenham, New Clarion Press. Maidment, M R (2006) Doing Time on the Outside: Deconstructing the Benevolent Community, Canada, University of Toronto Press. Miller, M, 1990, Bed and Breakfast: Women and Homelessness Today, London, Cox and Wyman. Ozga, J, 2005, Domestic abuse and Homelessness legislation, scottishwomensaid.org.uk/sites/default/files/SWA_Domestic_abuse_and_homelessness_legislation.pdf, accessed 03/12/13 Reeve, K, Casey, R, Goudi, R, 2006, Homeless Women: Still being failed yet striving to survive. crisis.org.uk/publications-search.php?fullitem=182 accessed 30/11/13. Shelter (2013) ‘Homelessness law and domestic violence’, [online] (cited 21st December 2013) available from http://shop.shelter.org.uk/training/homelessness-law-domestic-violence.html Watson, S, Austerberry, 1996, Housing and homelessness: A feminist Perspective, London, Routlege Kegan Paul. Womensaid.org (2013) ‘Statistics About Domestic Violence’, [online] (cited 21st

Discuss the benefits of probability in the career you have chosen and Essay

Discuss the benefits of probability in the career you have chosen and how probability techniques will be beneficial to you - Essay Example lity was introduced to me by my assistant coach who explained how I can use the magic of simple math to predict the actions of my opponent on the basketball court. Before every match in the pre-match preparation the coaching staff is briefed on the tactics that will be, most probably used, by the opponent team. At times the plan may go wrong as there is always a chance that the opponent team has planed something else, but general trends are never ignored. These trends have been found out by our analyst who he revied the score sheets and the footage of previous five years of the league tournaments, reaching to a conclusion about which player plays at which position best and what are the positive and negative points of any team in the league. This analysis of previous years has given me a general trend every team follows, makin it easier for me to form a strategy against any team, negating the fact of just chance in the game, planning according to the situation. Probability has been a revelation for me, allowing me to focus hard on other aspects of training as my analyst will always have the â€Å"to-do† and â€Å"not to do† list for the opponent that we have to play

My first car Essay Example | Topics and Well Written Essays - 750 words

My first car - Essay Example I'll never forget that car. It was what was known as a fixer upper, a car that needed to be restored because the motor barely ran. I chose that model because I wanted to learn all that could about cars and how it was repaired. I had worked summer and after school jobs up until a month before my 16th birthday just so I would be sure to have enough money to buy the car that I wanted without having to ask my parents for any extra money to cover its costs. The month before my birthday, my parents and I made the sacred trek to the local 2nd hand car shop to make my purchase. I decided to purchase a sleek looking 1989 Mitsubishi Lancer, also known as the Cat's Eyes model. Just like with any 2nd hand car, it drove perfectly off the car lot and all the way home where I proudly parked my purchase next to my parent's cars in our driveway. I was on the phone in no time, asking my friends to come over for a joyride with me. As we piled into the car for my first ever excursion without a parent sitting next to me in the car, my dad could not help but holler out his concern for me going out so soon in the car. He was insisting on having his mechanic check out the car before I actually used it because he said I had â€Å"chosen the car like you were buying a candy bar at the store!†. I hate to admit it but my father's advice actually made sense. Maybe it was because the car was overloaded, or because I forgot to check the oil in the motor before we zipped out of the driveway but the car air conditioning broke down and we stalled about an hour and a half away from home. I had to call my dad who sent the auto club over to give us a tow home. Needless to s ay, my dad insisted that the car be towed to his mechanics shop that same day. The verdict from his mechanic was that the car motor was actually in pretty good shape for such an old car. However, the car needed some major parts replacements and, without sugar coating it, the mechanic immediately produced his estimate list that had my jaw drop from the sheer shock of the final cost for the â€Å"restoration† of parts and systems. The car needed everything from a brand new alternator to a set of window tints. Although I had saved money to purchase the car, I did not have enough set aside for such massive spending on the restoration of the machine itself. That is when my dad's mechanic and I came to an agreement, I could work off the parts that the car needed by helping out at the garage. In the process, he would also teach me all he knew about fixing car models like mine, just in case it came in handy. Who was I to refuse such an offer? And that is how I managed to get my baby, as I addressed my car, all dressed up and spruced up for my use. Needless to say, I became a regular grease monkey because of all the work that my car kept on ending up needing. It seemed like we would fix one part of the car, only to have another part break down a few days later. I think I became an expert on Mitsubishi Lancers because of all the repairs that I had to assist in completing. But I never verbally complained of course. After all, the repairs were only costing me my personal manpower and very little cash. The car served me very well while I was in high school. After we finished the restoration job that it required, the car ran practically repair and problem free for the next few years. However, I believe that the fact that I spent weeks