Moment to remember

A memorable second When I was youthful I realized I needed to have two youngsters when I got hitched, a kid and a young lady. I brought forth my first kid in 1998, a young lady who was untimely and afterward in 2001 my subsequent little girl tagged along. My significant other and I were extremely glad that we had two sound infants, yet we realized somewhere inside we despite everything needed to have a child, yet tragically we couldn't bear the cost of another youngster at that time.Many of our relatives were having kids, my sibling's better half had brought forth their child and afterward my sibling parents in law spouse had brought forth their child too. My significant other and I were amazingly cheerful for them, however we ached for our own child also. Numerous years passed by and our young ladies were growing up solid and solid and our vocations were working out in a good way and after numerous evenings of conversation my better half and I chose to go after a child of our own.I read such a significant number of books on the most proficient method to decide the sex of a kid and how to consider a kid. I conversed with such a significant number of more established relatives and heard so any fantasies on the most proficient method to make a kid that I got drained and Just said whatever God's arrangement is will be. After two months my better half and I discovered we were expecting our third youngster and afterward three additional months after the fact we went to our first ultrasound appointment.That day was an energizing day for our whole family, everybody needed us to have a kid as awful as we did, and they realized to what extent we paused and the amount It intended to us. My better half and I clasped hands while watching the screen, seeing our kid just because and tuning in to the solid heartbeat, at that point the inquiry came would you want to know the sex of your infant' my significant other and I said â€Å"YES† simultaneously, and afterward we heard†¦ It's a BOY'!!!!

What’s a Good New 2016 SAT Score for Your Target School

What’s a Good New 2016 SAT Score for Your Target School SAT/ACT Prep Online Guides and Tips You may have heard that another SAT was discharged in March2016! What’s it out of? How would you know what a decent score is? How would you figure out what new SAT score you should be acknowledged toyour target school? I'llcover the entirety of this data beneath. New SAT Score Range The new SAT isscored out of 1600. There areonly be 2 areas rather than 3: Math and consolidated Writing and Language (rather than Math, Critical Reading, and Writing). Every one of the 2 segments isscored from 200 to 800, making the new composite SAT score go 400 to 1600. Change Between the Old SAT and New SAT While we don’t yet comprehend what the specific transformation will be, you can by and large foresee what the new inexact SAT score wouldbe by duplicating the old SAT score by 66.6% (since the new SAT isout of â… the same number of focuses as the old SAT). In case you're given separate scores by segment (Math, Critical Reading, and Writing), you can utilize an alternate expectation technique: Math area score + [(Critical Reading score + Writing score)/2] In layman's terms, normal Critical Reading and Writing and afterward add that normal to the Math score. This technique is increasingly precise on the grounds that it represents the way that Mathisweighted all the more vigorously on the new SAT(1/2 of your new composite score versus 1/3 of the old composite score). In 2014, the national normal SAT score was 1497. Utilizing the 66.6% count technique referenced above, I gauge the new normal SAT score will be roughly 998. The national 75th percentile is around 1700, so the new 75th percentile score will be around 1133. The national 90th percentile is around 1900, so the new 90th percentile score will be around 1267. In any case, a great score isn't simply superior to the normal. A decent SAT score relies upon whatcollege you would like to join in. Colleges’ SAT Score Ranges and What They Mean for You To discover what a decent new SAT score is for your objective schools, you should take a gander at colleges’ SAT score ranges. The score run shows what SAT scores conceded understudies got. Typically, schools show the scores from the latest candidate pool, so the scores will probably be as far as the old SAT (2400 scale). You'll have to change over the scores utilizing the count above. The score range will be written in one of two different ways as a 25th/75th percentile or a normal. The 25th percentile SAT score implies 25% of concedes scored at or underneath that number (or 75% of concedes scored higher). The 75th percentile SAT score implies 75% of concedes scored at or underneath that number (or 25% of concedes scored higher). The normal SAT is the normal of all admits’ SAT scores. Realizing the score reaches will cause you to comprehend what sort of score you should be a serious candidate to that schoolsince you'll recognize what SAT scores concedes got. Prior to making sense of your objective, you have to make sense of your objective universities. Make a List of Target Schools In the event that you don’t have a rundown of target schools as of now, make one! This rundown ought exclude your wellbeing schools. Asafety school is a school that you're practically sure you can get into with the SAT score and GPA you as of now have. This rundown ought to incorporate the more specific universities that you would like to join in. You ought to reject wellbeing schools from this rundown since you need to design your objective SAT score for the universities with the most noteworthy SAT models. On the off chance that you meet or surpass their SAT models, you will in all likelihood be admitted to your security schools. After you have made your rundown of the more particular universities, draw a table with 3 sections with the accompanying titles: School Name 25th Percentile or Normal SAT 75th Percentile/ Target Score Fill in your objective schools under school name as I did beneath: School Name 25th Percentile or Normal SAT 75th Percentile/ Target Score UC Berkeley Yale University Under the 25th percentile or normal SAT, you'll compose either the 25th percentile or normal SAT score for that school. As I referenced before, schools will just give you one. Whichever they give you, compose that number in the center segment (you'll have to re-ascertain it for the new SAT, which I will clarify in detail underneath). Under 75th percentile/target score, you put the college’s 75th percentile score (on the off chance that they give it). For schools that lone give normal SAT, you'll be figuring an objective score. I'll disclose how to ascertain the objective score later on. Instructions to Find Your Target College’s New SAT Score Range When you have your rundown, finding those colleges’ SAT score ranges is basic. You simply need to Google search â€Å"[College Name] normal SAT† or â€Å"[College Name] SAT 25th/75th percentile.† That will should lead you to the Freshman Admissions Profile for your objective school. In case you can't find a Freshman Admissions Profile for your objective school,check out our school affirmation requirementsdatabase to check whether we have the SAT data for your objective school. This is a screen capture from Yale’s confirmation site: Yale gave the 25th/75th percentile SAT score for their green beans concedes. To inexact the 25th percentile composite SAT score for the new SAT in spring 2016, you need first to ascertain the current 25th percentile composite SAT score. Normal the 2 lower numbers for Writing and Verbal/Critical Reading together (which independently speak to the current 25th percentile SAT scores for those segments): (710 + 720)/2 = 715 At that point, add that number to thelower number for the Math segment (the 25th percentile SAT score for Math) 715 + 710 =1425, rounds to 1430 (the SAT is scored in units of 10) Do a similar math with the higher numbers (75th percentile score) to make sense of the composite 75th percentile SAT score. NOTE: certain schools call the 25th/75th percentile the center half scores. Be that as it may, the 2 numbers they give are the 25th/75th percentile scores. They consider it the center half since the 25th/75th percentile scores speak to the center half of SAT scores of concedes. Add this new data to your diagram: School Name 25th Percentile or Normal SAT 75th Percentile/ Target Score UC Berkeley Yale University 1430 1590 As I said previously, different schools will give you just the normal SAT score for concedes (asUC Berkeley does): Since UC Berkeley just gives a normal, you can’t realize what number of understudies scored above and underneath it, yet let’s accept about half scored above and half scored beneath. Let’s do a similar math as above to make sense of the estimated normal SAT score for the new SAT: (686 + 698)/2 =692 710 +692 = 1402, rounds to 1400 Fill that numberin under 25th Percentile or Average SAT, and leave the 75th Percentile/Target Score clear for the present. I'll disclose how to decide atarget score for school's with arrived at the midpoint of scores later on. School Name 25th Percentile or Normal SAT 75th Percentile/ Target Score UC Berkeley 1400 Yale University 1430 1590 The most effective method to Calculate Your New SAT Target Score For the universities that give the 75th percentile, your objective score ought to be at or over the 75th percentile. (That is the reason I had you list the 75th percentile in a similar segment as target score. The 75th percentile is your objective score!) For the universities that lone disclose to you a normal composite SAT, I would focus on a score 100 focuses over the re-determined normal. For instance, for UC Berkeley, your objective score ought to be 1500. Fill in that number (the normal SAT in addition to 100 focuses) to your graph under 75th percentile/target score: School Name 25th Percentile or Normal SAT 75th Percentile/ Target Score UC Berkeley 1400 1500 Yale University 1430 1590 Why can’t you focus on a lower score close to the 25th percentile or closer to the normal? A non-unimportant number ofstudents are unmistakably acknowledged with those scores. Be that as it may, mostof the understudies acknowledged with lower scores are extraordinary candidates, including competitors, heritages, offspring of huge contributors, or understudies with exceptionaltalents, (for example, the champ of the national science reasonable). On the off chance that you aren’t in the â€Å"special† class, you’ll need a higher SAT score to support your odds of being admitted.The higher your SAT score, the more probable you will get in.For progressively evidence, look at Brown University’s affirmation information: For understudies with the most noteworthy score (800), 22.8% were conceded, which is a lot higher than the general Brown concede rate, 8.7%. As the scores decay (score somewhere in the range of 750 and 790), the student’s possibility of affirmation drops by 5.7%, from 22.8% to 15.1%. A similar example holdsacross the different twosections and the composite.You presently know the higher your score, the better possibility you have of being acknowledged. In the event that you have an error in the â€Å"Target Scores† on your rundown (as I do above), which would it be advisable for you to focus on? Focus on the most elevated objective score on your list.That way when you arrive at the most noteworthy objective score, you will have the most obvious opportunity with regards to affirmation at all of your objective schools. In the event that you get a 1580 and apply to Yale and UC Berkeley, you have a brilliant possibility of being admitted to the two schools. Notwithstanding, on the off chance that you got a 1480 and applied to Yale, you would now be more averse to get in, as you would miss the mark concerning the 75th percentile score and be in the center half of concedes scores. How Exact Is the Conversion? What Does the Variation Mean for You? It

Side Effects Linked With Nortriptyline

Side Effects Linked With Nortriptyline Bipolar Disorder Treatment Medications Print Nortriptyline Side Effects By Marcia Purse Marcia Purse is a mental health writer and bipolar disorder advocate who brings strong research skills and personal experiences to her writing. Learn about our editorial policy Marcia Purse Medically reviewed by Medically reviewed by Steven Gans, MD on September 10, 2019 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on September 11, 2019 ONOKY - Eric Audras / Getty Images More in Bipolar Disorder Treatment Medications Symptoms Diagnosis Nortriptyline is a  tricyclic antidepressant  sometimes sold under the brand names Pamelor and Aventyl (other brand names exist outside the U.S.). The medication may be used in the treatment of mood disorders such as  depression, anxiety disorders and also for some other conditions, including migraine headaches,?? bedwetting,?? and chronic pain.?? As with all prescription drugs, nortriptyline comes with the risk of certain side effects. Heres a guide to what you need to watch out for when taking this medication. Common Side Effects The most common side effects of nortriptyline include:?? DizzinessDrowsinessDry mouthHeadacheIncreased appetite, possibly with a craving for sweetsNauseaTiredness or mild weaknessWeight gainConstipationBlurred Vision Generally, these common side effects are mild and can be managed with lifestyle changes. If you find theyre problematic, persistent, or worsen over time, however, talk to your doctor. Potentially Serious Side Effects These side effects of nortriptyline arent very common, but theyre potentially serious when they do occur. If you experience any of these, contact your doctor about them right away. Less common (but potentially serious) side effects include:?? ConfusionSexual side effectsDifficulty in speaking or swallowingEye painFaintingFast or irregular heartbeat (such as pounding, racing, or skipping)Loss of balanceNervousness or restlessnessProblems urinatingStiffness of arms and legsIncreased liver functionsSeizuresManiaHallucinations Allergic reactions to nortriptyline are also rare, but possible. If you experience signs of an allergic reaction such as rash/hives, itching, swelling (especially of the face, lips, tongue, or throat), or trouble breathing, seek immediate medical care. Side Effects of Discontinuing Nortriptyline Never stop taking a medication without consulting your doctor. If you and your doctor decide you should stop taking nortriptyline, your doctor may recommend gradually tapering or reducing your dose as discontinuing the drug all at once can lead to discontinuation syndrome which include flu-like symptoms such as a headache, nausea, irritability, vomiting or diarrhea, restlessness, trouble sleeping, vivid dreams, and unusual excitement.?? Symptoms of Nortriptyline Overdose Its also possible to overdose on nortriptyline and other tricyclic antidepressants.?? Signs of overdose can develop quickly and require immediate medical attention. Symptoms of an overdose include: confusion; convulsions (seizures); disturbed concentration; severe drowsiness; enlarged pupils; fast, slow, or irregular heartbeat; fever; hallucinations (seeing, hearing, or feeling things that are not there); restlessness and agitation; shortness of breath or troubled breathing; unusual and severe tiredness or weakness; and vomiting. If any of these symptoms occur, seek emergency medical help. A Word From Verywell While most people who take nortriptyline do not experience serious side effects from the medication, even mild side effects can be bothersome. When starting a new medication or adjusting your dosage, be sure to note any new or worsening symptoms and discuss them with your doctor. Together you can develop a plan to get the most out of nortriptylines desired effects and manage unwanted side effects.

Definition, Usage, and Examples of Italics

Italics  is a style of typeface in which the letters slant to the right:  This sentence is printed in italics. (If youre writing something out in longhand, the equivalent of italics would be underlining.) Apart from the uses cited below for titles and naming conventions, italics are used to give emphasis to words and phrases in a sentence. For example, the question, Are you going to wear that? takes on an entirely different meaning if you italicize the last word: Are you going to wear that? Fast Facts: Italics From the Latin for ItalyVerb: italicize.Pronunciation: ih-TAL-iks Using Italics With Style Guides Although its important to use italics appropriately in formal, academic  writing, italic type is not always available in less formal communications, such as in emails and text messages.  Journalism, medical writing, and a variety of other forms of professionally written materials rely on one of several style guides including Associated Press or AP Style, American Medical Association (AMA) Style, and the Chicago Manual of Style. In addition, many corporations, websites, and publishing companies have their own style guides that must be adhered to for written communications. The use of italics varies from style to style. (For example, in AP Style, titles are put inside quotation marks rather than being italicized.) General Usage For books and academic work, the following general rules apply, however, its always a good idea to check if adherence to a particular style guide is required prior to embarking on any writing project. Italicize the titles of complete works: Albums and CDs:  1989  by Taylor SwiftBooks: To Kill a Mockingbird  by Harper LeeMagazines and journals (print and online): Sports Illustrated, Slate, and  Journal of LinguisticsNewspapers: The New York TimesMovies: The MartianPlays:  A Raisin in the Sun  by Lorraine HansberrySoftware programs:  Microsoft PowerPoint  Television programs: Doctor WhoVideo games:  Grand Theft Auto VWorks of art: Nighthawks  by Edward Hopper The titles of comparatively short works—songs, poems, short stories, essays, and episodes of TV programs—should be enclosed in quotation marks. As a general rule, italicize the names of aircraft, ships, and trains; foreign words used in an English sentence; and words and letters discussed as words and letters: These are the voyages of the starship Enterprise.—Title sequence from the original Star Trek series From 1925 to 1953, a passenger train named the Orange Blossom Special brought vacationers to sunny Florida from New York. There is no danger that Titanic will sink. The boat is unsinkable and nothing but inconvenience will be suffered by the passengers.—Phillip Franklin, Vice President of White Star Line Come kiss me, and say goodbye like a man. No, not good-bye, au revoir.From Chats With Jane Clermont by William Graham Every word she writes is a lie, including and and the.—Mary McCarthy on Lillian Hellman As a general rule, use italics to emphasize words and phrases—but dont overwork this device: Then I started reading this timetable I had in my pocket. Just to stop lying. Once I get started, I can go on for hours if I feel like it. No kidding.  Hours.—From  The Catcher in the Rye by J. D. Salinger, Observations Italics rarely fail to insult the readers intelligence. More often than not they tell us to emphasize a word or phrase that we would emphasize automatically in any natural reading of the sentence.—From The Philosophy of Punctuation.  Opera, Sex, and Other Vital Matters by Paul Robinson, University of Chicago Press Think of italics as butterflies that might swoop across the page, allow them to flit about, land here and there, softly; gently; dont treat them as a blanket that must spread itself across the entire page. The butterfly approach will bring a dash of color; the blanket approach will darken everything.—From Nobles Book of Writing Blunders (and How to Avoid Them) by William Noble, Writers Digest Books Underlining is to... handwritten papers what italics are to more formal publishing... Today the only widespread use of underlined text is to denote clickable links in Web documents. (The newspaper convention, which I use as a newspaperman and which was also a response to a technical inability to use italics, is quotation marks for book, movie, and other titles.)—From The Elephants of Style by Bill Walsh, McGraw Hill

Do Dreams Hold Meaning - 1284 Words

Do Dreams Hold Meaning? When you dream, do you ever wonder if your dream holds meaning? Do you wake up in confusion, fear, wonder or feeling content? It seems as though the conversation about dreams and what they mean has blossomed into being a frequent topic of discussion. Have you ever noticed when you walk into a bookstore, there is an entire section dedicated to books about dreams? These books are to answer all of your questions, and solve all of your problems and worries. They are not always written by people who are superstitious, but by psychologists studying the subject. Could be combined Many people find comfort in these books, while others find it ridiculous and unreliable. It is notn’t unheard of to seek out advice about your dreams. For centuries, people have been going to investing in fortune-tellers or paying someoneor psychiatrists to identify interpret dreams for theirthat may reveal their futures. Because of the growing interest (need a transition here) Mmany psychologists have started to ask their patients about their dreams, trying to find an answer that could solve their real-life problems. But, in reality, â€Å"the meaning is in the eye of the beholder- not in the dream itself,† (Goleman, 1984). While dreams do hold meaning to the waking life, they are filled with hidden symbolic meanings as interpreted by the dreamer. Many people have the same type of dreams, so when researchers give a broad interpretation of what a certain thing/person/action represents,Show MoreRelatedA Dream Within a Dream Analysis907 Words   |  4 PagesA Dream within a Dream By Edgar Allen Poe The poem â€Å"A Dream within A Dream† by Edgar Allen Poe is about how it feels to lose your hopes and your dreams all at once in a very sorrowful and frustrating manner. In the first stanza he is asking the reader if it matters that his purpose, motivation, and his love has been taken away by life itself and whether or not it was worth it. Although, with the lines â€Å"All that we see or seem is but a dream within a dream† has the meaning that what he thinksRead MoreThe Dreams Of Dreams By Carl Jung1632 Words   |  7 Pagesduring the night, dreams occur. Some remember more than others. However, a dream is always present even if you may think it is not. The curiosity of dreams is what started the popularity of dream interpretation. People wanted to know what they meant and how they were getting there which drove psychologists to go out and study them. (The Dream Experience Chapter 1) Dreams are a very complex topic because of the various meanings for their appear ance. Theories vary from dream simply being apartRead MoreA long and stressful day can take a toll on the mind. The mind in return, takes a toll on itself.1100 Words   |  5 Pagesthousands of years, the belief that dreams hold a secret meaning or message was believed since the beginning of history. Dream interpretations have dated back to 3000 B.C. Ancient Egyptian, Roman, and Greek civilizations would record their dreams believing they were significant to the meaning of their lives. The idea that dreams hold a secret message or can be foretold has been carried out to present day. â€Å"Centuries ago, people in many cultures believed dreams were presented by an outside force andRead MoreFreuds Interpretation of Dreams1176 Words   |  5 Pagesdiscontents, dreams, psychoanalysis and the unconscious. For this paper, I will be discussing Freud’s fundamentals of dreams, what dreams represents, how dreams are constructed and its significance while paying close attention to t he following areas of dreams, manifest and latent content, condensation and displacement, and censorship and repression. First, let examined the definition of dream according to Sigmund Freud â€Å"dream is the disguised fulfilment of a repressed wish. Dreams are constructedRead MoreDarkness Poem Analysis1452 Words   |  6 Pagessince everything he says is followed by an opposite. The idea that darkness conquers all in the end in Lord Byron’s poem is derailed because of his specific word choice and the chaos it brings to the poem’s overall meaning; the contradictory vocabulary completely cuts through any meanings and ultimately renders it as undecidable. My initial reading of this poem is that life has ceased or is ceasing to exist. Everything is deteriorating, people are trying their best to ignite light in a world of darknessRead MoreLinden Hills and the Struggles That Come with I Essay1442 Words   |  6 Pagesthe American dream is possible but while achieving this dream, it causes some people to sell themselves out. This is significant because it shows that if the prize to achieve the dream is the loss of one’s soul or compromise of one’s standards, the price is too high to pay. Third, Nedeed wants to preserve the integrity and value of Linden Hills but the power he holds goes to his head and he begins to care more about himself than others. This is relevant because life holds the most meaning and opportunityRead MoreEssay on Our Dreams Give Us Hope1169 Words   |  5 Pagesof the world, Man has been searching for the meaning of life. He has looked everywhere but often failed to find it. The reason to live is to s avor life and to live one filled with joy. This is another problem Man has often faced: how to be happy. Most of us think that we are happy when everyone else is proud of us, when we have achieved something for them or done something for the rest of the world. We strive to accomplish what others expect us to do, whether it is our parents, our friends, or evenRead MoreDream Catcher826 Words   |  4 PagesDream Catcher Dream catchers are highly respected in my household because we believe in their purpose and also we believe that they truly do work. I hope by the end of my essay you will completely understand what their purpose is and also why we value them in our household. I am going to tell you a little story and I am only going to tell you because it is winter and in our culture we can only pass on stories during the winter. Long ago in the ancient world of the Ojibwa Nation, the Clans wereRead MoreEssay about Poetry: Emotions in Words 1027 Words   |  5 PagesPoetry is an art form of expression and emotions through words. It encompasses the writer’s mood and point of view about a certain idea. Two poems that demonstrate the use of emotions in words are â€Å"Phenomenal Woman† by Maya Angelou, and â€Å"A Dream within a Dream†, by Edgar Allan Poe. Both of these poets are very important in the literary field even though their ways of writing contrast each other. Angelou is a revolutionist who is known around the world for her astounding stories of racism, familyRead MoreAnalysis Of The Dream By Langston Hughes905 Words   |  4 Pagescomposed by him; and the â€Å"Dream† was one of his poems that manifested the strong co nception of his type. The poet establishes intriguing repetition and strands that based on the comparison and the relationship between cause and effect that aids the emphasis on the significance of keeping dreams and send to readers the consequence of losing their dreams that are that life will be exhausted and meaningless deeply if not having the dream. People let keep tightly their own dream, continue hope and never

Undocumented Students Free Essays

Undocumented immigrants are foreign nationals who enter the United States without authorization or enter legally but remain in the United States without authorization. Undocumented youth and students usually have no role in the decision to come to this country; they are usually brought to this country by their parents or relatives. Brought by their parents to the U. We will write a custom essay sample on Undocumented Students or any similar topic only for you Order Now S. as minors, many before they had reached their teens, they account for about one sixth of the total undocumented population. The United States Census Bureau estimates that in the year 2000, approximately 2. million undocumented youth under the age of eighteen were living in the United States. Some 65,000 undocumented students graduate from U. S. high schools each year. Illegal through no fault of their own, many undocumented students are honor students, athletes, student leaders, and potential professionals. As a result of their immigration status, these young people face more struggles than documented students, when looking to continue their education after high school. Struggles include not being eligible for federal money and not being legally able to obtain employment upon graduation. There is a conflict between Federal and State law regarding the eligibility of undocumented students for in-state tuition rates. Section 505 of the Illegal Immigration Reform and Immigrant Responsibility Act of 1996 prohibits illegal aliens from receiving in-state tuition rates at public institutions of higher education. State and federal grants are awarded only to U. S. citizens or eligible non-citizens. To apply for a federal or state grant, one must complete the Free Application for Federal Student Aid (FAFSA), which requires the student’s social security number. Federal student loans are also not available to undocumented students. Most high school seniors rely on federal money as most of their financial aid for college. Students see their peers receiving federal financial aid and do not know how they are supposed to go about looking for money. Then is the struggle of finding private money because some scholarships require that students have a social security number. Ultimately, the search of every senior student for college money is even harder for undocumented students because they do not have a social security number. Of the few illegal immigrants who overcome financial hurdles and graduate from American colleges, few can obtain jobs, creating a mall pool of unemployed illegal immigrants with college degrees, a minority within a minority. Applying for a job without legal status requires asking potential employers to sponsor them in obtaining American citizenship, something most employers are unlikely to do for job candidates. Most undocumented college graduates are ineligible for many professional careers. U ndocumented college graduates grow up in America, where they are taught to dream high and work hard to succeed in this nation but at the end of the day, those doors stop opening. Opportunity for advancement ends on graduation day, as undocumented college graduates try to find their way into a job market from which they are legally excluded. â€Å"When you’re in school you have a place in society, you’re a university student,† Jorge Garcia, DREAM Act supporter, said during an interview. â€Å"When you graduate, you’re just an immigrant again. † An immediate consequence, as a result of the extra work that undocumented students must put into their college application process, is that some students drop out of high school. These students find it easier to leave school and enter the working world. They are knowledgeable of the fact that, even with a college degree, they most likely will not find employment after graduation. Most undocumented students feel that beginning to work early in life is the only way they may become successful. It is estimated that only between 5 and 10 percent of undocumented high school graduates go to college. There is little incentive for them to finish high school, leading to high dropout rates. Thus, another consequence arises, the potential for them to become involved in gangs and illegal activities. Long term consequences include mental side effects. Cases of depression and suicide have resulted from a feeling of hopelessness for success. Suicide is the third leading cause of death in 15 to 24 year old Latinos, who make up the largest portion of undocumented students. A 2007 Center for Disease Control survey found that Latinos make up the largest portion of American high school students who tried to take their lives. It showed that 10. 2 percent of Latino high school student had tried to kill themselves, compared to 5. 6 percent of whites. Many undocumented immigrants are terrified of speaking to officials. There is a fear of deportation that makes many undocumented immigrant youth unwilling to seek depression treatment. Congress has not ignored undocumented students’ need for help in attending college and succeeding after college graduation. In 2001, Senators Orrin Hatch and Richard Durbin in the Senate, and Representatives Howard Berman and Chris Cannon in the House introduced the DREAM Act. The Development, Relief, and Education for Alien Minors Act (DREAM Act) addresses youth who were illegally brought to the United States but who have since grown up here, stayed in school, and kept out of trouble. To qualify for immigration relief under the DREAM Act, a student must have been continuously present in the United States for at least five years prior to enactment of the legislation or under fifteen years of age at the time of entry into the United States, and demonstrate good moral character. Once a qualifying student graduates from a U. S. high school, he or she is allowed to apply for conditional status that would authorize up to six years of legal residence. During this period, the student is required to graduate from a two year college, complete at least two years toward a four year degree, or serve in the United States military for at least two years. Permanent residence is granted at the end of the six year period if the student has met these requirements and has continued to maintain good moral character. Originally introduced in the Senate in 2001, the DREAM Act has fallen short of votes in Congress several times since. In its reintroduction, in 2007, it fell short by eight votes. More recently, the DREAM Act was reintroduced in the House and Senate in December 2010. With bipartisan support and President Barack Obama supporting the act, many undocumented students believe they are getting closer to their dreams of seeing the act pass. The number of undocumented students at the university level is low. Attending college, and even doing splendidly, does nothing to alter these students’ illegal status. The DREAM Act would offer a pathway to citizenship for many college students and members of the military. Supporters last year were unable to secure enough votes to prevent a filibuster of the bill. Supporters say it is inhumane and counterproductive to shun students who have come so far with so little. DREAM Act opponents of both houses of Congress say that undocumented students are looting limited educational resources that should go to citizens and legal residents. Republican Dana Rohrabacher, representative of Huntington Beach said, â€Å"I hope you return to your home country right away, and I hope you repay what you have spent of other people’s money. It’s a horrible crime. † Most American high school graduates get the opportunity to test their dreams and live their American story. However, a group of approximately 65,000 youth do not get this opportunity. They are a group of young people stained with the inherited title â€Å"illegal immigrant. † These young people have lived in the United States for most of their lives and want nothing more than to be recognized for what they are, Americans. Illegal students are not eligible to receive any type of federal or state financial aid or grant money. They are unable to access higher education and even if they do, they are not legally able to obtain employment upon graduation. The United States is missing out on talented workers, and is losing vital tax revenues and other economic contributions. How to cite Undocumented Students, Papers

Comparative Study of Mutual Funds and Bank Deposits free essay sample

Comparison between mutual funds and fixed deposits is a long debate, especially when it comes to a comparison between fixed deposits and debt mutual funds. Even a few years ago, any conservative and risk averse investor would think investing in bank fixed deposits is better than mutual funds (debt or otherwise). Nevertheless, the market scenario has changed a lot in the recent years, and many a mutual funds family has come up with interest debt mutual fund schemes with guaranteed returns alongside capital appreciations. This makes the comparison between debt mutual funds versus fixed deposits more complex, and even the most risk averse investor (count my father! ) is led to think twice. That being said, whether you should invest in bank fixed deposits or debt mutual funds is no more a simple question as it used to be five-six years back, and needs a detailed examination and explanation. And, we at Mutual Funds Manager are here again to help you with a neutral comparison between fixed deposits and mutual funds. Arent we great? 🙂 So, mutual funds and fixed deposits, which is better? While only you can finally decide whether mutual funds or fixed deposit where to invest — depending on your risk taking abilities, return expectations, and investment horizons — let us try to analyse some key factors one by one and chalk out a comparison between bank FD and mutual funds. 1. Return on investments vary for mutual funds, but not bank deposits Needless to repeat, bank deposits offer you a fixed percentage of return, as would be agreed upon by the investor and the bank at the time of the investment. For example, if you put 50 thousand rupees in FD for 5 years and the agreed interest rate is 8% per annum, you will continue to enjoy the same interest rate throughout the tenure. On the other hand, debt mutual funds have no assured rate, and the return on investment for debt mutual funds depend completely on the market and the performance of the fund. Fluctuations in the money market impacts the NAV of the fund, thereby altering returns. Thus, a great advantage of bank fixed deposits is that, you will continue to earn the same interest rates even if the market goes down. Nevertheless, this very advantage of fixed deposits over mutual funds can actually turn out to be their great disadvantage. If the market goes up mutual funds will give more returns accordingly, but your FD will continue to yield in the same old rate. So, the actual question becomes, whether there is any chance of the Indian market going up in near future, especially following the recent recession? Yes, there is. At least, we think so. Market researches and predictions indicate that the Indian money market will go up in 2013, may get stagnant for a while in 2014, then taking another upward curve. Mutual Funds Managers Recommendation: For longer tenures, mutual funds are as good as fixed deposits, if not better. 2. Comparison between mutual funds fixed deposits: Inflation adjustment Inflation adjustment is a very important point while comparing mutual funds and fixed deposits. FDs dont come with inflation adjustment guarantees, and if the interest rate is lower than the inflation rate, you actually end up losing the value of your money. In the FY 2011-12, the inflation rate in India was 7%, while the interest rate for around 1 year tenure was something around 7% as well [6. % for ICICI and HDFC banks, 6. 75% for Citibank and HSBC, 7. 10% for Axis and Yes Bank and so on. Higher rates are there, but for lump-sum investments like 1 crore. ]. Thus, if you have invested in bank FDs for the last FY, you either failed to beat inflation or ended up with minimal inflation adjusted positive returns. On the other hand, at least half a dozen mutual funds yielded returns greater than 8% ( some as high as 12-14%), thereby giving you handsome inflation adjusted returns. Usually, mutual funds outrun inflation and always give positive, real returns. Mutual Funds Managers Recommendation: Unless your fixed deposits give high interest rates like 9-9. 5%, mutual funds are better. 3. Mutual funds and fixed deposits: Capital appreciation When it come to capital appreciation, mutual funds are better than fixed deposits, because of the equity investment. In longer time periods, market changes result in increasing interest rates. And, your mutual funds manager is there with all the expertise and professionalism to ensure a better capital appreciation. Mutual Funds Managers Recommendation: Debt funds. No second thought. 4. Mutual funds or fixed deposits, which one is more liquid? In terms of liquidity, these days both fixed deposits and mutual funds are almost same. Fixed deposits are actually meant for long lock in periods, but most banks allow premature withdrawals with a nominal penalty (usually 1%). The interest rate calculation for bank fixed deposit withdrawals is done on how long the money was parked. Mutual funds are equally liquid; you can take out any number of units within a couple of days. The return for premature withdrawal of mutual funds units is done on the prevalent NAV of the fund. Usually, there is an exit load of 1% for premature withdrawals before 1 year. Mutual Funds Managers Recommendation: Almost equal. For premature withdrawals beyond 1 year, mutual funds are slightly better because of nil exit load. 5. Risk factor of mutual funds and fixed deposits The only reason why most investors prefer fixed deposits to debt mutual funds is the assured return of the capital. On the other hands, returns from investments in mutual funds are subject to the volatility of the market, and may result in low or even negative returns. An investor should be wise enough to judge the quality of the investment instrument and thereby minimizing risk factors. Mutual Funds Managers Recommendation: For an extremely risk averse investor, fixed deposits are the only risk-free investment options. However, less risk means less return. Now, you decide! 6. Cost of investments in mutual funds and bank fixed deposits Investing in bank fixed deposits costs nothing. On the other hand, there is a minimum charge for mutual funds investments management and fund distribution, borne by the investor irrespective of returns. In other words, no matter whether your return on mutual funds investments is positive or negative, you have to bear an expense as the fees of fund management. Sometimes, entry loads are there as well, but quite rarely. Mutual Funds Managers Recommendation: Fixed deposits, since they have no entry load or management charges. 7. Tax benefits of debt mutual funds and bank fixed deposits Fixed deposits interests are considered incomes and come under income taxes (if you are taxable, of course). Moreover, there is a TDS (Tax Deducted at Source) at the rate of 10. 3% p. a. if your total cumulative interest on all FD is more than Rs. 10,000 in any financial year. Similarly, short term capital gains of debt funds are considered income and are accordingly taxable. For long term capital gains, tax is 10% without indexation or 20% with indexation. However, dividends received on debt mutual funds are tax free. Mutual Funds Managers Recommendation: Mutual funds are better than fixed deposits in terms of tax benefits, unless the latter offers any special scheme that is exempted from IT. So, should you invest in mutual funds or fixed deposits? We repeat, this decision is yours. If you are young and come from the average middle and upper middle class (at least), you can supposedly take more risk and should go for investing in mutual funds. Mutual Fund:Mutual funds are investment companies that pool money from investors at large and offer to sell and buy back its shares on a continuous basis and use the capital thus raised to invest in securities of different companies. In this your amount is invested in different companies according to percentage ratio. Below are our best reading on mutual fund: * What Mutual Fund do with investor’s Money * Concept of Mutual Funds * Benefits of Mutual Fund * What is Net Asset Value (NAV) * What Is Mutual Fund? * Post Office FD Vs Mutual Fund * Mutual Funds vs portfolio management When you deposit money with the bank, the bank promises to pay you a certain rate of interest for the period you specify. On the date of maturity, the bank is supposed to return the principal amount and interest to you. Whereas, in a mutual fund, the money you invest, is in turn invested by the manager, on your behalf, as per the investment strategy specified for the scheme. The profit, if any, less expenses of the manager, is reflected in the NAV or distributed as income. Likewise, loss, if any, with the expenses, is to be borne by you. Bank fixed deposits are more stringently regulated than are companies. They even operate under stricter requirements regarding Statutory Liquidity Ratio (SLR) and Cash Reserve Ratio (CRR) mandated by RBI. While the above are causes for comfort, bank deposits too are subject to default risk. However, given the political and economic impact of bank defaults, the Government as well as Reserve Bank of India (RBI) try to ensure that banks do not fail. Further, bank deposits up to Rs 1 lakh are protected by the Deposit Insurance and Credit Guarantee Corporation (DICGC), so long as the bank has paid the required insurance premium of 5 paise per annum for every Rs 100 of deposits. The monetary ceiling of Rs 1 lakh is for all the deposits in all the branches of a bank, held by the depositor in the same capacity and right. Please Note: Bank fixed deposit is completely secure and gives a fixed return – the interest earned is taxable. Mutual Fund debt instruments issued by corporates, banks, rbi. They are not completely secure (very little risk) the risk is mostly to returns since the return is not absolutely fixed, however returns are taxfree in the hands of the investor. Invest for long term in mutual fund SIP for more profit. What is meant by long term investment? Does it mean that buying at any price and wait for 3-4 years? Think twice. Give importance to Value; Give importance to Growth. Give importance to Price; these values are much more important statistics than Investment duration. Quote of the day: â€Å"A long term investment is like marriage; medium term investing is like an extra-marital affair and intra-day trading is like that risky one-night stand. † Best Reading. After several years, investors are finding that fixed deposit rates are climbing to respectable levels. While 90-day bank deposits are offering around 5 per cent returns, one-year deposits are yielding 7-8 per cent. As far as mutual funds are concerned, though the future of income funds, which invest in medium-and long-term debt papers, seems to be uncertain, short-term debt funds are giving returns in excess of 6. 5 per cent. On a post-tax basis, debt schemes fixed-maturity plans in particular seem to be the best option for investors looking for steady returns. Funds beat banks Even as banks are luring investors with higher fixed-deposit rates, mutual funds seem to be steeling a march over them with FMPs. The total assets under management under these schemes have nearly doubled this year. At the end of July, these schemes had a combined corpus of Rs 28,571 crore (Rs 285. 71 billion). According to industry sources, in August alone, 14 FMPs have so far been launched with varying maturity and the total collection is expected to be at least around Rs 4,000 crore (Rs 40 billion). The AMCs that have launched FMPs this month include Reliance, ABN AMRO, Principal, HSBC, UTI, HDFC, LIC, Prudential ICICI, JM Financial, DBS Chola and SBI. Essentially targeted at corporate and high networth investors, FMPs combine the tax efficiency of mutual funds with the safety of fixed deposits. The current rates on FMPs are as attractive as bank deposit rates and, thanks to the lower taxes on mutual funds, the post-tax returns on FMPs are better. Currently, 90-day FMPs are offering around 6. 85-7. 10 per cent, while one-year FMPs are generating around 8. 0 per cent pre-tax returns. HDFC Mutuals 26-month FMP yields 8. 45 per cent for corporate investors and 8. 10 per cent for retail investors. These schemes usually come with a quarterly or annual term, and the shorter-term schemes are a huge hit with corporate investors, who usually seek to lower the tax incidence. Mutual funds charge as low as 5-10 basis points as expenses, which is abysmally low. Even for retail investors in the top income tax bracket, these schemes make sense. The tax edge As dividends of mutual funds attract only a dividend distribution tax of 22. 4 per cent for corporates and 14. 03 per cent for individual investors vis-? -vis interest on deposits and corporate bonds, charged at the marginal income tax rate, mutual funds give better post-tax returns. High networth individuals have a lot of appetite for these schemes as they generate significantly higher post-tax returns, says Sameer Kamdar, national head mutual funds, Mata Securities. Furthermore, income from mutual fund units held for more than a year is deemed to be capital gains and, hence, qualifies for indexation benefit. This reduces the tax incidence even more. Thus, while a 8. 1 per cent, one-year FMP would yield a post-tax return of 7. 2 per cent for an individual investor in the top income tax bracket (if he opts for the growth plan), a bank fixed-deposit offering a similar rate would yield only 5. 37 per cent net of tax. Even if you opt for the dividend plan, which is less tax-efficient compared to the growth plan, for more than one-year time horizon, you would come up with a post-tax return of 6. 96 per cent. The post-tax returns indicated above are based an indexation rate of 4. per cent. For the uninitiated, indexation is a method wherein returns are deflated to the extent of inflation. The tax is calculated only on the inflation index-adjusted returns. The idea is that tax on long-term capital gains must be charged only on the real returns earned by an investor. The inflation index is published by the income-tax department every year. Similarly, 90-day FMPs, which offer 7 per cent, would yie ld a post-tax return of 6. 01 per cent. Currently, JM Mutual and LIC are offering rates upwards of 7 per cent. The risk factor Though FMPs are projecting fairly high yields, these are only indicative returns. They produce predictable returns over the desired timeframe since the maturity of the portfolio matches the tenure of fund schemes. Unlike other schemes that suffer from volatility and, hence, risk of erosion in asset value, an FMP structured as closed-end funds carries no interest rate risk. Whether yields rise or fall, the asset value of these schemes is protected as deposits/ bonds are held to maturity. Still, they do not guarantee returns as bank deposits where the interest is assured do. Though FMPs have delivered the returns they have indicated so far, there could be a risk of asset-liability mismatch, and the investor may not finally get exactly the indicated yield. Says Dhirendra Kumar, chief executive officer of Value Research, a Delhi-based mutual fund tracking firm, Since there is no guarantee on the returns that funds give, there is a risk that investors may or may not eventually get the returns indicated even in case of FMPs, which are otherwise quite predictable. Besides, if you lock in funds in an FMP you dont have the option of liquidating it prematurely. But in case of bank deposits, you can withdraw your money without any penalty. However, the interest rate you earn on the deposit would be based on the period the money is invested for. For instance, if you break a one-year deposit after three months, you would be entitled to the interest rate applicable for the three-month deposit and not the one-year rate. In fact, since bank deposits can be withdrawn without any penalty, it is an ideal time for investors to close their old deposit accounts yielding lower returns and renew them at the prevailing rates. Other debt funds With uncertainty on interest rates receding, debt markets have rallied over the past one month. The 10-year benchmark yield has declined from 8. 5 per cent in mid-July to 7. 91 per cent now, and this has propped up the returns on debt fund schemes. Most categories of debt funds have delivered returns in excess of 6 per cent. Particularly, medium-term gilt and debt funds have generated over 10 per cent returns. Should you then begin to relook at income funds? May be, not yet. Fund managers warn that this kind of returns may not be sustainable. On the contrary, the debt market rally looks overdone and the market may be in for some correction. And if that happens, income funds may be back to square one. Moreover, the risk-return factor, today, is strongly in favour of short-term funds. The return differential between medium-term and short-term debt funds is quite narrow, and the choice must be obvious given that short-term funds offer far greater stability and slightly lower returns, says Kumar. Over the past one-month, short-term funds have seen a surge in returns too. This category has given an average return of 7. 2 per cent, which again compares favourably with bank deposits on a tax-adjusted basis. Comparative Study of Mutual Funds and Bank Deposits free essay sample Compare which is better! Comparison between mutual funds and fixed deposits is a long debate, especially when it comes to a comparison between fixed deposits and debt mutual funds. Even a few years ago, any conservative and risk averse investor would think investing in bank fixed deposits is better than mutual funds (debt or otherwise). Nevertheless, the market scenario has changed a lot in the recent years, and many a mutual funds family has come up with interest debt mutual fund schemes with guaranteed returns alongside capital appreciations. This makes the comparison between debt mutual funds versus fixed deposits more complex, and even the most risk averse investor (count my father! ) is led to think twice. That being said, whether you should invest in bank fixed deposits or debt mutual funds is no more a simple question as it used to be five-six years back, and needs a detailed examination and explanation. And, we at Mutual Funds Manager are here again to help you with a neutral comparison between fixed deposits and mutual funds. Arent we great? 🙂 So, mutual funds and fixed deposits, which is better? While only you can finally decide whether mutual funds or fixed deposit where to invest — depending on your risk taking abilities, return expectations, and investment horizons — let us try to analyse some key factors one by one and chalk out a comparison between bank FD and mutual funds. 1. Return on investments vary for mutual funds, but not bank deposits Needless to repeat, bank deposits offer you a fixed percentage of return, as would be agreed upon by the investor and the bank at the time of the investment. For example, if you put 50 thousand rupees in FD for 5 years and the agreed interest rate is 8% per annum, you will continue to enjoy the same interest rate throughout the tenure. On the other hand, debt mutual funds have no assured rate, and the return on investment for debt mutual funds depend completely on the market and the performance of the fund. Fluctuations in the money market impacts the NAV of the fund, thereby altering returns. Thus, a great advantage of bank fixed deposits is that, you will continue to earn the same interest rates even if the market goes down. Nevertheless, this very advantage of fixed deposits over mutual funds can actually turn out to be their great disadvantage. If the market goes up mutual funds will give more returns accordingly, but your FD will continue to yield in the same old rate. So, the actual question becomes, whether there is any chance of the Indian market going up in near future, especially following the recent recession? Yes, there is. At least, we think so. Market researches and predictions indicate that the Indian money market will go up in 2013, may get stagnant for a while in 2014, then taking another upward curve. Mutual Funds Managers Recommendation: For longer tenures, mutual funds are as good as fixed deposits, if not better. 2. Comparison between mutual funds fixed deposits: Inflation adjustment Inflation adjustment is a very important point while comparing mutual funds and fixed deposits. FDs dont come with inflation adjustment guarantees, and if the interest rate is lower than the inflation rate, you actually end up losing the value of your money. In the FY 2011-12, the inflation rate in India was 7%, while the interest rate for around 1 year tenure was something around 7% as well [6. % for ICICI and HDFC banks, 6. 75% for Citibank and HSBC, 7. 10% for Axis and Yes Bank and so on. Higher rates are there, but for lump-sum investments like 1 crore. ]. Thus, if you have invested in bank FDs for the last FY, you either failed to beat inflation or ended up with minimal inflation adjusted positive returns. On the other hand, at least half a dozen mutual funds yielded returns greater than 8% (some as high as 12-14%), thereby giving you handsome inflation adjusted returns. Usually, mutual funds outrun inflation and always give positive, real returns. Mutual Funds Managers Recommendation: Unless your fixed deposits give high interest rates like 9-9. 5%, mutual funds are better. 3. Mutual funds and fixed deposits: Capital appreciation When it come to capital appreciation, mutual funds are better than fixed deposits, because of the equity investment. In longer time periods, market changes result in increasing interest rates. And, your mutual funds manager is there with all the expertise and professionalism to ensure a better capital appreciation. Mutual Funds Managers Recommendation: Debt funds. No second thought. 4. Mutual funds or fixed deposits, which one is more liquid? In terms of liquidity, these days both fixed deposits and mutual funds are almost same. Fixed deposits are actually meant for long lock in periods, but most banks allow premature withdrawals with a nominal penalty (usually 1%). The interest rate calculation for bank fixed deposit withdrawals is done on how long the money was parked. Mutual funds are equally liquid; you can take out any number of units within a couple of days. The return for premature withdrawal of mutual funds units is done on the prevalent NAV of the fund. Usually, there is an exit load of 1% for premature withdrawals before 1 year. Mutual Funds Managers Recommendation: Almost equal. For premature withdrawals beyond 1 year, mutual funds are slightly better because of nil exit load. 5. Risk factor of mutual funds and fixed deposits The only reason why most investors prefer fixed deposits to debt mutual funds is the assured return of the capital. On the other hands, returns from investments in mutual funds are subject to the volatility of the market, and may result in low or even negative returns. An investor should be wise enough to judge the quality of the investment instrument and thereby minimizing risk factors. Mutual Funds Managers Recommendation: For an extremely risk averse investor, fixed deposits are the only risk-free investment options. However, less risk means less return. Now, you decide! 6. Cost of investments in mutual funds and bank fixed deposits Investing in bank fixed deposits costs nothing. On the other hand, there is a minimum charge for mutual funds investments management and fund distribution, borne by the investor irrespective of returns. In other words, no matter whether your return on mutual funds investments is positive or negative, you have to bear an expense as the fees of fund management. Sometimes, entry loads are there as well, but quite rarely. Mutual Funds Managers Recommendation: Fixed deposits, since they have no entry load or management charges. 7. Tax benefits of debt mutual funds and bank fixed deposits Fixed deposits interests are considered incomes and come under income taxes (if you are taxable, of course). Moreover, there is a TDS (Tax Deducted at Source) at the rate of 10. 3% p. a. if your total cumulative interest on all FD is more than Rs. 10,000 in any financial year. Similarly, short term capital gains of debt funds are considered income and are accordingly taxable. For long term capital gains, tax is 10% without indexation or 20% with indexation. However, dividends received on debt mutual funds are tax free. Mutual Funds Managers Recommendation: Mutual funds are better than fixed deposits in terms of tax benefits, unless the latter offers any special scheme that is exempted from IT. So, should you invest in mutual funds or fixed deposits? We repeat, this decision is yours. If you are young and come from the average middle and upper middle class (at least), you can supposedly take more risk and should go for investing in mutual funds.