How The Student Loan Debt Crisis Is Undermining Economic...

How the Student Loan Debt Crisis Is Undermining the Economic and Social progress of American Graduates Currently, higher education is highly valued as a step in achieving success and earnings potential, but attaining a degree comes at a high cost. Although a very valued asset, the cost to attain a college degree for most students includes getting loans, grants from the government, and sometimes even private loans. Most of these loans come at a high price for students as the interest structure for most student loans is crippling. In fact, a December 2016 report by the Federal Reserve Bank of New York shows that outstanding student loan balances at $1.3 trillion, an increase of $31billion from the previous report in 2015 (Quarterly†¦show more content†¦These loans are a growing crisis, having â€Å"quadrupled since 2004 to just under $1.2 trillion† (Gorman). At the projected rate, the student debt crisis will continue to rise if the focus of funding higher education remains on loans and not federal or state grants. Without reform on policies that help decrease college p rices, the student loan debt crisis will continue to grow and further disadvantage the socioeconomic standing of people who seek the most financial aid. Student loans disproportionately affects individuals from households with fewer financial resources, furthering economic inequality between different groups. Although the price of college has sharply increased, the average earnings for many people remain the same, which Hillman, a professor at Univ. of Wisconsin notes to be the one of the major reasons as to why student debt has risen in the recent years, data from the US Census Bureau shows that median family incomes have fallen each year since 2005. Due to this, there is a huge dependence on borrowing to cover the high costs of college since most can’t rely on such work income or savings. Existing structural inequalities in the labor market and great racial disparities in wealth distribution has led to minority students especially Blacks and Latinos needing more financial assistance to cover college. A recent Center for American Progress analysis on the impact of student debt on communities ofShow MoreRelatedCase Study1483 48 Words   |  594 Pagesresponsible for the content of third party internet sites. ISBN: 978-0-273-73557-1 (printed) ISBN: 978-0-273-73552-6 (web) All rights reserved. Permission is hereby given for the material in this publication to be reproduced for OHP transparencies and student handouts, without express permission of the Publishers, for educational purposes only. In all other cases, no part of this publication may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanicalRead MoreManagement Course: Mba−10 General Management215330 Words   |  862 PagesValue I. Valuation 229 229 253 279 1. The Value−Based Management Framework: An Overview 2. Why Value Value? 4. The Value Manager Harvard Business Review Finance Articles Eclipse of the Public Corporation 308 308 323 323 330 330 Article How I Learned to Live with Wall Street Article Second Thoughts on Going Public Article Reed−Lajoux †¢ The Art of M A: Merger/Acquisitions/Buyout Guide, Third Edition 10. 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Virginia Woolf s Orlando Is A Work That Bends The Rules...

Virginia Woolf’s Orlando is a work that bends the rules in multiple ways. It plays with the idea of biographies, it questions the nature of fiction writing, it incorporates humor in bizarre ways. And on top of all that it brings into view certain controversial topics, and certain prejudices of Woolf’s time. The two prejudices this paper will be focusing on are homophobia and sexism. By looking at the character of Orlando and examining his/her relationships, romantic feelings, and place in society, we can clearly see Woolf writing back against society s prejudices and fears of the 1920s. In a society of gender roles and sexuality closely monitored and defined, Woolf creates something unexpected, â€Å"unacceptable† (in some people’s eyes), and†¦show more content†¦Woolf never blatantly states that any of the characters in Orlando are homosexual. Instead she uses almost mischievous undertones to hint the fact to her readers. This can be found right at the beginning of the novel, when Orlando meets Sasha. â€Å"Orlando is unable to tell whether Sasha is a man or a woman, for her height and her clothes make her appear androgynous. Orlando is attracted to Sasha as an ‘individual,’ entirely separate from the fact about her ‘gender’† (Kao, 2). One of the main arguments of the homosexual movement is to see people as people, not as men and women. An individual can love whoever he/she wants no matter what their sex. It is not about a person’s gender, it is about the person him/herself. And though our narrator later does tell us that â€Å"Orlando was ready to tear his hair with vexation that the person was of his own sex†¦,† we don’t forget those mischievous undertones Woolf threw at us upon their first meeting (Woolf, 17). Right off the bat, Woolf is introducing us to a character who is embracing this idea of â€Å"individualistic love,† and hinting at relationships th at may not be heterosexual. Woolf is fighting against the idea of being attracted to a person because of their sex, and welcoming the idea of being attracted to someone as an individual. We can also see homosexual undertones in the relationship between Orlando and the Archduchess

A Very Special Gift Essay Research Paper free essay sample

A Very Particular Gift Essay, Research Paper A Very Particular Gift The watchband was the best gift that Adrianne received for Christmas. It was a slim, gold concatenation with seven seed pearls strung along like beads of a prayer beads. Because of this, Adrianne was excited about traveling back to school after the vacations. The first school twenty-four hours in January was a clip to demo off what each miss had received for Christmas. In the past old ages, the standard gifts were cuddly stuffed playthings, dolls, perfumed letter paper, or pamper Jerseies. Adrianne is so aroused because she got something truly grown-up and expensive. On the forenoon of her first twenty-four hours back to school, Adrianne took the pearl watchband from her jewellery box. It was the lone existent piece of jewellery she had. The other things in the box were a brace of Hello Kitty earrings, a bubble ticker, and a strand of plastic colored beads that she made into a necklace. We will write a custom essay sample on A Very Special Gift Essay Research Paper or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page On her manner out to travel delay for the coach, Adrianne asked her ma if she could convey her watchband to school, so she can demo it to her schoolmates. Her ma said no because it is against school regulations, and she is afraid that Adrianne is traveling to lost it. Adrianne went to school heartbroken because she doesn Ts have her watchband to demo off to her friends. On that forenoon, many misss in school brought their new gifts for show. As expected, most of the misss got the latest fad in stuffed playthings, like Winnie the Pooh bears. Other childs brought their box-like, clear plastic pocketbooks. As for Adrianne, all she could make was speak about the pearl watchband left back at place. Her friends told her they have to see it to believe she truly has a pearl watchband. For a few yearss, Adrianne thought about conveying the watchband to school. She could maintain it in her pocket so no 1 else except her friends would see it. One twenty-four hours, Adrianne decided that it was clip to convey the pearl watchband. The twenty-four hours when she brought her watchband is meant for pattern for the athleticss festival that is coming up. When Adrianne left the house that forenoon, she had her manus in her right side pocket. In school, while altering into their Pe uniforms in the cabinet suites, Adrianne showed her friends her watchband. Her friends convinced H Er to have on the watchband because they said if she left it in her pocket it might acquire lost. Adrianne could non make up ones mind. She knows her PE shorts doesn Ts have any pockets so she would hold to have on the watchband. She slipped the watchband around her right carpus and snapped the lock. The athleticss pattern was held in the grassy field behind the cafeteria. Adrianne made certain to remain off from the manager so he wouldn t see the watchband. Her schoolmates noticed the glister of the concatenation whenever Adrianne lifted her weaponries to hit the ball. The seed pearls turned and twisted along with her arm s motion. Right after pattern, some of the other misss approached Adrianne to hold a expression at the watchband. Finally she was able to demo off her watchband and proved to her friends that she wasn T doing it up. They all went back to the cabinet room to alter apparels and travel place. Adrianne with her eyes broad opened accomplished that her watchband is non on her carpus any more. She searched the floor and pigeon berry around her things. She even went back to the field to look but she couldn t find it. Now she is truly disquieted that her ma is traveling to happen out that she disobeyed her and on top of that she lost the watchband excessively. For the remainder of the twenty-four hours until suppertime, Adrianne kept believing where the watchband could hold fallen. Her ma served the favourite dish that dark but she hardly touched her home base. Her ma offered her some ice pick but she turned her down. Her secret was excessively awful to maintain. It was get downing to do her feel ill to her tummy. Adrianne eventually decided she had to state her ma. Equally shortly as they were entirely in the room, Adrianne confessed. She sat on the border of the bed. She raised her right arm as if there was some sort of hurting that she felt. But she couldn t expression her ma in the eyes. Her ma said, I know, beloved. Her ma realized what happened at the dinner tabular array. Adrianne looked at her ma in surprise. Her cryings rolled down her cheeks. She asked her mom how did she calculate it out. Her ma said it has some thing to make with female parent s particular gift. They know things without holding to inquire. Adrianne said she was regretful. Her ma said it s all right. The most of import thing is that she came to her and told her what happened.

Luxury Fashion Brand free essay sample

To be successful in India, it is both necessary to gauge the financial potential as well as the mindset of the Indian luxury consumer. This will help in bringing forth the right product offerings to the Indian consumer as well as targeting them better. There are conventional foundations for ensuring success of a brand and they are listed below in brief: * The brand must be â€Å"expansive† Which means it should be full of innovation opportunities for the marketer and in terms of satisfying the different needs of the luxury consumer. The brand must tell a story – One of the best ways for an organization to compete and distinguish yourself from the rest of the pack is to tell your brand story. The story should be so powerful that it should make customer act as the way you want. * The brand must be relevant to the consumers’ needs Depending upon the mindset of the luxury class, it is necessary for a brand to satisfy those needs, whether they be for recognition or functional use etc. We will write a custom essay sample on Luxury Fashion Brand or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The brand must align with consumers’ values A brand that does not concur with the basic values of a consumer’s society has a small chance of succeeding because luxury items are identification for a luxury consumer. This makes it difficult for the consumer to adopt the brand in such cases. * The brand must perform Irrespective of which category the brand belongs to, a performance assurance is a must for the brand. Based on the inputs given above as well as an understanding of the decision making process of the luxury consumer, we recommend the following paths for luxury marketers based on what Indian consumers really desire from their luxury brands, i. e. product brand, dealer/store brand and price/value relationship : (The price / value relationship has been accorded less focus since the Indian Consumer is at a phase when cost of luxury is secondary to its appeal / benefits) 1. Brand Me Affluent! It is essential for marketers to ensure that the recognition value of their brands is always high so that it lends a sense of affluence to the consumer, which can only come if others around him / her perceive the brand to be a top-notch luxury brand. This can come from either being aligned with the most successful celebrities or being a part of elite events and promotions. 2. Nothing but the Best – This is a golden opportunity for the marketer to earn greater margins by adding customized value to his line of luxury goods. These added-value customized goods will ensure that the customer feels he has something more than just the ordinary range of luxury goods available. 3. Luxury is having the world at my fingertips – First! A luxury marketer will not only have to be faster than his competitors in reaching out to the consumer, to gain a share of wallet but also continuously offer innovative products that serve to differentiate between the consumers. 4. â€Å"Ethnic Chic† – The Fusion of Local amp; Global goods This point is connected to the strategy of a product being in line with the consumers’ values for it to be adopted. Apart from this, in the Indian context, ethnicity is also a fashion statement in many product categories. 5. You Think I’m Demanding? Next! The marketer’s job should be a constant endeavor to offer newer luxury goods to the consumer, in sync with their needs. In addition to that, marketers will need to make sure that each and every single consumer has to be treated with a high-level of personalized attention, given the nature of the product and the consumer. Even minor Shortfalls in this case will have the consumer shifting their brand preferences to those marketers who can satisfy their needs better. . CANNIBALIZATION OF BRANDS It thus becomes essential to ensure that successful celebrities are partnered with at the right time, thereby both eliminating chances of Competition as well as delivering the right aspirational / appeal message to the intended audience. Conclusion The starting point for identifying successful luxury brand strategies in India has been establis hed by identifying certain salient aspects of luxury brands that remain constant as well as identifying the stage of mindset of the Indian consumer towards these brands. The focus is now towards ‘how soon’ luxury brands will enter the market to gain a first mover advantage, which is of significant importance in India. Apart from how soon, we primarily focus on ‘how will’ luxury brands cater to the mainly aspirational needs of the Indian consumer. A word of caution that goes for luxury marketers, irrespective of their brands and Geographical presence – The luxury consumer is always looking for newer ways to Satisfy his continuously changing needs. Hence, the need to keep a close tab through insightful research is of prime importance. As far as India is concerned, given the rapidly accelerating affluence of the Masses, the scenario is set to witness a boom. The ones who will be riding the Wave will be the ones who’ve kept their ears open to each and every word of their Each and every customer. After all, in the luxury business, no marketer can afford the luxury of treating its consumers as a loosely bunched segment.