Did Your Bad Credit Score Just Go Up Heres Why.

Did Your Bad Credit Score Just Go Up Here’s Why. Did Your Bad Credit Score Just Go Up? Here’s Why. Did Your Bad Credit Score Just Go Up? Here’s Why.New rules from the three major credit bureaus mean rising scores for millions of US consumers.If you’ve got bad credit, then you know perfectly well how powerful a credit score can be.Credit scores determines what kinds of loans, credit cards, and interest rates you qualify for, and they can affect where you live and work, as some landlords and employers check your credit before offering you a job or apartment.Having bad credit means that you are shut out from financial opportunity, from affordable loans and interest rates, from credit card rewards and from owning your own home. It feels like no matter what you do, your score is never going to get any better.Well, guess what? There’s a good chance that your credit score is going up.Recent changes announced by the three major credit bureausâ€"Experian, TransUnion, and Equifaxâ€"will lead to millions of debts and liens dropping off people’s credit reportscausing their scores to r ise.According to Howard Dvorkin, CPA and Chairman of Debt.com, “These changes are some of the best financial news for average Americans in quite some time.”“Everyone likes talking about the unemployment rate and the stock market, but the sad truth is: If you don’t have a job, the unemployment rate is 100 percent. And you definitely aren’t playing the markets.”“This is the best news that most folks don’t really understand,” says Dvorkin. “The Big Three credit bureausâ€"Equifax, Experian, and TransUnionâ€"have a big say over your life. They create credit reports on you that affect your mortgages, auto loan, and maybe even your rent.”Got that? Okay. Here’s what you need to know.What’s changing?One of the major changes that’s occurring is to how the credit bureaus enforce their rules regarding public recordsâ€"a major source of financial information.According to nationally recognized credit expert Jeanne Kelly, “The credit bureaus have to verify four points of consumer data in order to use a tax lien or judgment as part of a consumer’s credit score. If 3 of the 4 points don’t match up, they cannot use the negative item as part of your credit scoring.”“They are now required to correctly have: 1. Name; 2. Address; 3. Social Security Number; 4. Birthdate. If they can not verify it will be removed from your report and you will see a score increase.”Kelly adds, “If the item was entered years ago you wont get as much of an increase as if it was recent If it is still due, you want to still resolve.”“Starting this month, if you have civil judgments or tax liens, they’ll be removed from your credit report,” says Dvorkin. “Moving forward, those two things will need to be updated every 90 days, which means if you settle those, they’ll get updated much faster.”And those aren’t the only changes.“Starting in mid-September, the credit bureaus will wait 180 days before including medical debt on their reports,” says Dvo rkin. “This is a big deal because, in six months, you might be able to pay off or negotiate payment for expensive medical procedures, as well as dispute those charges with your insurance company.”“Even better,” he adds, “those credit bureaus will delete medical debt from your reports when your insurer pays it off. So it’ll be like it never existed. The government says 15 million Americans have only one black mark on their credit report, and it’s medical debt. This will definitely help them.”“The credit bureau changes are fantastic news for all consumers,” says attorney, author, and   advocate, Alexis Moore. “It’s one less piece of data that the credit bureaus can store and furnish which is great news, since the majority of Americans today experience inaccurate data on their credit report and never get it completely resolved even with litigation.”“I know,” says Moore, “I was one of the persons victimized by inaccurate data. And even with litigation, th ere are still errors that remain and continue to be at issue for which I have to litigate again and again.”Why are these changes happening?These changes have been a long time coming. Consumer and government advocates have been pushing for years for the credit bureaus to be more accurate with the data they included on people’s reports.Simply put: too many people were ending up with inaccurate information on their reports, needlessly damaging their credit.“Inaccurate data being furnished became too common in this area, so the public officials finally got busy and said no more,” says Moore, adding that this is “exactly what needs to happen in other areas of the data that they store â€" way too many pieces of information are inaccurately stored and furnished by these agencies, jeopardizing consumers financiallyâ€"which in turn wreaks havoc on their lives in all ways from employment, housing, insurance, credit lines you name it.”“The credit bureaus control it and we need th em to store and furnish less data.”How will your score be affected?It depends. Your score might not be affected at all if you don’t have any tax liens, civil judgments, or medical debt on your report.But if you doAccording to Dvorkin, “All this can mean you might gain 10 to 20 points on your credit score.”“That may not sound like a lot when those scores go up to 850,” he says, pointing out that, “in fact, it won’t make the difference between getting a low mortgage interest rate or a steep one.”“But any move upward is the right direction,” he adds, “and depending on how it all shakes out, millions of Americans might benefit.”Moore says that some of the clients she works with have seen even larger bumps:“My clients have experienced 24-35 points since this change, getting better car loans and mortgages because of itâ€"a win-win for consumers!And consumers aren’t the only ones who will be seeing benefits. A rise in credit scores means a rise in qualified ap plicants for lenders nationwide.“The lenders are loving it,” says Moore. “They can offer mortgages to clients that they perhaps couldn’tâ€"so another way for them to cash in, especially in northern California where my office is located. There is a housing shortage here and lenders are more than happy to lend more money and be able to help more consumers than they otherwise would not have been.”What that means for you is simple: be careful. There are lots of sketchy lenders out there who would be happy to sign you up for a mortgage, car, or personal loan that you actually can’t afford!After all, your credit score just went up. The last thing you need is for a bad credit loan from a predatory lender to send it back down again. Learn how to protect yourself from predatory lenders in our ebook How to Protect Yourself from Payday Loans and Predatory Lenders.Is your score going to be affected by these changes? If so, we’d love to hear about it! You can shoot us an email at b y clicking here or find us on Twitter at @OppLoans.Visit OppLoans on YouTube | Facebook | Twitter | LinkedIN  ContributorsHoward S. Dvorkin  (@HowardDvorkin)  is a  two-time author, personal finance expert, community service champion and Chairman of  Debt.com. As  one of the most highly regarded debt and credit expert in the United States and has played an instrumental role in drafting both State and Federal Legislation.  Howard’s latest book “Power Up: Taking Charge of Your Financial Destiny” provides consumers with the detailed tools that they need to live debt free and regain their financial freedom. Howard has appeared as a finance expert on CBS Nightly News, ABC World News Tonight, The Early Show, Fox News, and CNN.Jeanne Kelly  (@creditscoop)  After being turned down for a mortgage 15 years ago, Jeanne Kelly realized she needed to get her credit in order. Not only was she able to fix her bad credit, but she took the skills and knowledge she gained and decided to share it with the world. Now she’s a nationally regarded credit coach and expert, with multiple books and television appearances. Follow her on Twitter and check out her  site  to get the credit help you need!Alexis Moore  is an Attorney, Author and Advocate in El Dorado Hills, CA.   Part of her law practice is devoted to providing clients legal advocacy who have inaccurate data on their credit reports or that are experiencing debt collector abuse.   She also serves as a Risk Management Consultant worldwide for clients who are experiencing cyberabuse and stalking. Her upcoming book;   Surviving a Cyberstalker: How to Prevent and Survive Cyberabuse and Stalking is due out September 1, 2017.

The Issues On Multimedia Mining - 2951 Words

ISSUES ON MULTIMEDIA MINING ABSTRACT Data mining has popular technology for extracting interesting information for multimedia data sets, such as audio, video, images, graphics, speech, text and combination of several types of data set. Multimedia data are unstructured data or semi-structured data. These data are stored in multimedia database, multimedia mining which is used to find information from large multimedia database system, using multimedia techniques and powerful tools. This paper analyzes aboutthe use of essential characteristics of multimedia data mining, retrieving information is one of the goals of data mining and different issues have been discussed. The current approaches and techniques are explained for mining multimedia data. KEYWORDS: Data Mining, Multimedia Mining, Clustering, Classification. 1. INTRODUCTION 1.1 Multimedia data mining has been shown in fig.1 is a subfield of data mining that used to find interesting information of implicit knowledge. Multimedia data are classified into five types, there are (i) text data(ii) image data (iii) audio data (iv)video data and (v) electronic and digital ink [2]. Text data can be used in web browsers, messages like MMS and SMS. Image data can be used in art work and pictures with text still images taken by a digital camera. Audio data contains sound,MP3 songs, speech and music. Video data include time aligned sequence of frames, MPEG videos from desktops, cell phones, video cameras. Electronic and digital inkShow MoreRelatedAnnotated Bibliography On Data Mining3115 Words   |  13 PagesABSTRACT Data mining has popular technology for extracting interesting information for multimedia data sets, such as audio, video, images, graphics, speech, text and combination of several types of data set. Multimedia data are unstructured data or semi-structured data. 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`` Garnering The Youth Vote, By Terry Ryan - 1372 Words

Another key overlap in these campaigns has to do with trust. According to a 1972 article written by Terry Ryan of The Associated Press, entitled â€Å"Garnering the Youth Vote is Critical to McGovern Success,† when interviewed, young people expressed the importance of trust and a desire for change, â€Å"The interviews disclosed some pro- McGovern attitudes widely held among young people. A desire for change was mentioned by many supporters†¦Young people will vote for McGovern because they do not like or trust Nixon and think McGovern is more sincere and honest† (Ryan, 1972). This desire for a change away from the status quo existed during the McGovern campaign and exists today with the Sanders campaign. While Hillary Clinton speaks of patience and†¦show more content†¦The Sanders movement can also be compared to the earlier time period and McGovern’s campaign from an economic standpoint. In 1968, following Martin Luther King’s death, The Poo r Peoples Campaign led the Poor People’s March on Washington. This multiracial campaign demanded economic justice for all Americans (Willis, 2015). This is not surprising given that estimates from the 1960 U.S. Census Bureau, suggested that, despite President Lyndon Johnson’s â€Å"War on Poverty,† anywhere from 40 to 60 million Americans, as much as 33 percent, lived below the poverty line (U.S. Census Bureau, 1960). McGovern advocated for widespread economic reforms to try to reduce poverty and inequality and ensure a higher quality of life in the United States. Some of his progressive positions included a guaranteed job for all Americans and a guaranteed family income above the poverty line (Vittoria, One Bright Shining Moment). Sanders also advocates for the creation of a more fair and equal economic system with higher wages and greater employment. One of Sanders main points is increasing the minimum wage to what he calls a â€Å"living wage† of $15. He frequently discusses the need to create more jobs for Americans and also the economic inequality in America today and how the wealthiest Americans, the 1 percent as he calls them, have been getting richer while the rest of Americans, and the middle

A Young Lady With Feet Swelling Health And Social Care Essay Free Essays

A 29-year-old Indonesian domestic assistant, Ms MH, was admitted to medical section, Queen Elizabeth Hospital, complaining of bilateral pess and mortise joints swelling and bubbling piss for 1 hebdomad. There was no hematuria, dysuria, urinary frequence, urgency, febrility, joint hurting, tegument roseolas, sore pharynx, recent upper respiratory piece of land symptoms or GI symptoms. She denied taking any herbs or nonprescription medicines. We will write a custom essay sample on A Young Lady With Feet Swelling Health And Social Care Essay or any similar topic only for you Order Now Her past medical history and household history were everyday. She was a non-smoker, and denied history of unprotected sex. She recalled that her first twenty-four hours of last catamenial period was approximately 2 hebdomads before the admittance. On scrutiny, she was afebrile, with bosom rate 103 beats per minute and blood force per unit area 144/71mmHg. She had periorbital hydrops, facial swelling and opposing hydrops of 4 limbs. There was no lividness. Her fundoscopic scrutiny was normal. Jugular venous force per unit area was elevated. On auscultation, her thorax was clear, her bosom beat was regular with a non-displaced cardiac vertex, and there was no bosom mutter. Abdominal scrutiny did non uncover any abdominal mass or bruit. She did non hold any skin roseolas or joint puffiness. Dipstick uranalysis showed 3+blood, 2+protein, and negative for glucose. Urine gestation trial was negative. Her blood trial showed normochromic, normocystic anemia ( haemoglobin degree 10.5g/dL ) and deranged nephritic map trial ( serum creatinine: 168i? ­mol/L ) . Her white cell count was 10.4 ten 10^9/L, the albumin degree was 24g/L and the liver map trial was normal. Her serum entire cholesterin degree was 5.2mmol/L, low denseness lipoprotein degree was 3.7mmol/L and fasting plasma glucose was 4.5mmol/L. The everyday microscopy of piss was positive for ruddy blood cell, ruddy cell dramatis personae, and was negative for white blood cell. The urine sum protein was 1.13g/day and the creatinine clearance was 10 mL/min. Mid-stream piss for civilization was negative. The clinical image was compatible with nephritic syndrome or quickly progressive glomerulonephritis ( RPGN ) , and anemia. Further probes showed that serum anti-nuclear antibodies ( ANA ) , antineutrophil cytoplasmatic antibodies ( ANCA ) , anti-streptolysin O ( ASO ) antibody, and anti-glomerular cellar membrane ( anti-GBM ) antibody titres were undetectable. Serum C3 and C4 complement degrees were normal. Hepatitis B surface antigen, anti-hepatitis C virus antibody, serum cryoglobulin and blood civilization were negative. Ultrasound scan of nephritic system revealed normal-sized kidneys with increased echogenicity, which was suggestive of nephritic parenchymal disease. Nephritic biopsy confirmed Immunoglobulin ( Ig ) A nephropathy. The reticulocyte count was normal, peripheral vilification showed mild poikilocytosis, and serum Fe profile was non implicative of Fe lack. Faecal supernatural blood trials were negative in all of the 3 stool specimens. Serum and urine paraprotein were n egative, and bone marrow scrutiny showed active marrow. Ms. MH was given low dose frusemide for diagnostic alleviation of peripheral hydrops, and was given angiotensin change overing enzyme inhibitor ( ACEI ) for control of blood force per unit area. She was assessed by nephrologist and was suggested to go on these medicines, and to mention to renal clinic for consideration of steroid therapy when serum creatinine is on increasing tendency or when albuminuria progresses to nephrotic scope. She tolerated the medicines and was on a regular basis followed up in the medical out-patient clinic. Discussion ** ( entire words for instance history and treatment must be 1000-2000 ) : Ms MH, a healthy 29-year-old lady, presented with 1 hebdomad history of dependent hydrops, high blood pressure, microscopic hematuria, and a low grade of albuminuria ( urine sum protein: 1.13g/day ) . Urine microscopy revealed white blood cell, ruddy blood cell and ruddy cell dramatis personae. This clinical image is compatible with glomerulonephritis, which can be loosely classified into renal-limited primary glomerulonephritis or secondary glomerulonephritis perplexing systemic disease. Further blood trial for serologic markers of glomerulonephritis, viz. ANA, ANCA, anti-GBM antibody, ASO titres, hepatitis serology, blood civilizations and cryoglobulin titres were undetectable, therefore excepting secondary glomerulonephritis. Nephritic biopsy remains the gilded criterion for unequivocal diagnosing of glomerulonephritis. The biopsy specimen can be examined under the light microscopy in order to find the primary histopathological hurt to the uriniferous tubule. Under light microscopy, immunofluorescence survey is able to place three major forms of deposition of Ig, viz. farinaceous, additive and dearth of immunofluorescence staining. Farinaceous deposition of Ig is a trademark of immune complex glomerulonephritis. Linear deposition of Ig along the glomerular cellar membrane is characteristic of anti-GBM disease. Dearth of Ig and positive circulating ANCA represent glomerulonephritis caused by ANCA-related vasculitis. ( 1 ) Ms MH was eventually diagnosed to hold IgA kidney disease, which is the commonest cause of primary glomerulonephritis throughout the universe. ( 2 ) Typical oncoming of the disease is in the 2nd and 3rd decennaries of life, as manifested by our instance. Majority of patients are diagnosed during an rating for symptomless microscopic hematuria or mild albuminurias. Macroscopic, and frequently perennial, hematuria that occurs shortly after an upper respiratory tract infection is a authoritative but less common presentation. Patient with IgA kidney disease may besides presented with nephrotic-range albuminurias, RPGN or, seldom, malignant high blood pressure. ( 3,4 ) As demonstrated by our instance, the complement degree is typically normal in IgA nephropathy. Light-microscopically, IgA nephropathy can change from mild mesangial proliferation and enlargement to spread proliferation with glomerular crescents. Immunofluorescence staining typically showed farinaceous deposition of Ig, decl arative mood of immune complex glomerulonephritis. ( 1 ) Ms MH was put on ACEI for blood force per unit area control. There are groundss that patterned advance of IgA kidney disease may be slowed by ACEI and angiotonin II receptor blockers ( ARB ) . ( 5,6 ) The drugs act by cut downing the intra-glomerular force per unit area and by straight bettering the size-selective belongingss of the glomerular capillary wall, lending to their anti-hypertensive and anti-proteinuric consequence. ( 1 ) In a randomized controlled test, 44 patients with biopsy-proven IgA kidney disease, proteinuria more than or equal to 0.5 gram/d, and serum creatinine less that or equal to 1.5 mg/dL ( 133 umol/L ) were indiscriminately assigned either to have Vasotec or to a control group in whom blood force per unit area was controlled with anti-hypertensives other than ACEI or ARB. At followup of about seven old ages, nephritic endurance, defined as lupus erythematosus that a 50 per centum addition in the serum creatinine concentration, was significantly more likely in the Vasotec group than in the control group: 92 % versus 55 % ( p A ; lt ; 0.05 ) . There was a important lessening in albuminuria in the Vasotec group, whereas an addition in albuminuria was observed in the control group ( P A ; lt ; 0.001 between groups ) . Control of blood force per unit area was similar in the two groups. In decision, ACEI significantly improves nephritic endurance in proteinuric IgA kidney disease with normal or reasonably impaired nephritic map. ( 5 ) High blood pressure, albuminuria of more than 1 gram per twenty-four hours, impaired nephritic map at the clip of diagnosing, relentless microscopic hematuria, and high glomerular histopathological tonss stand out as consistent and strong forecasters of hapless nephritic endurance harmonizing to literatures and cohort surveies from around the universe. ( 3,7,8 ) Ms MH demonstrates the first three hapless predictive factors of the above list and therefore she is expected to be at hazard of holding progressive disease in following few old ages. IgA kidney disease is a global disease and the cause of end-stage nephritic failure in 15-20 per centum of patients within 10 old ages and in 30 to 40 per centum of persons within 20 old ages from evident oncoming of disease. Harmonizing to Cochrane Database of Systemic Reviews in the 3rd one-fourth of 2009, the optimum direction of IgA nephropathy remains unsure. Consequences from small-scaled randomised controlled tests favoured the usage of immunosuppressive intercessions, with the most promising agent being steroids, which were associated with a lower hazard of patterned advance to end-stage nephritic failure ( comparative hazard [ RR ] 0.44, 95 % assurance interval [ CI ] 0.25 to 0.8 ) and lower urinary protein elimination ( leaden mean difference [ WMD ] -0.49 g/day, 95 % CI -0.72 to -0.120 ) . Urinary protein elimination was lower for patients treated with alkylating agents or cyclosporin compared to placebo or no intervention. Further survey is necessary to determine which pa tients would profit from these intercessions. ( 9 ) Tables and figures ( non more than 2 ) : Reference ( non more than 10 ) : ** Brady HR, O’Meara YM, Brenner BM. Glomerular diseases. In: Kasper DL, Braunwald E, Fauci AS, et Al, explosive detection systems. Harrison ‘s rules of internal medical specialty, 16th edition. New York: McGraw-Hill, 2005:1674-94. Julian BA, Waldo FB, Rifai A, Mestecky J. IgA kidney disease, the most common glomerulonephritis worldwide. A ignored disease in the United States? Am J Med, 1988 ; 84:129-132. Donadio JV, Grande JP. IgA nephropathy. N Engl J Med 2002 ; 347:738-48. Li PKT, Lai KN. IgA nephropathy in Hong Kong. Journal of the Hong Kong Medial Association, 1989 ; 1:93-5. Praga M, Gutierrez E, Gonzalez E, Morales E. Treatment of IgA nephropathy with ACE inhibitors: A randomized and controlled test. J Am Soc Nephrol, 2003 ; 14:1578-83. Li PK, Leung CB, Chow KM, Cheng YL, Fung SK, Mak SK, Tang AW, Wong TY, Yung CY, Yung JC, Yu AW, Szeto CC ; HKVIN Study Group. Hong Kong survey utilizing Diovans in IgA nephropathy ( HKVIN ) : a double-blind, randomized, placebo-controlled survey. Am J Kidney Dis, 2006 ; 47:751-60. Li J, Zhang H, Zhou Y, Li G, Zou W, Wang H. Natural history of Ig A kidney disease and prognostic factors of forecast: a long-run follow up of 204 instances in China. Nephrology, 2008 ; 13:242-6. Chacko B, John GT, Neelakantan N, Korula A, Balakrishnan N, Kirubakaran MG, Jacob CK. Presentation, forecast and result of IgA kidney disease in Indian grownups. Nephrology, 2005 ; 10:496-503 Barkat R, Molony DA, Samuels JA. Immunosuppressive agents for handling IgA kidney disease. Cochrane Database of systematic Reviews. 3rd One-fourth, 2009 No of words ( excepting mentions ) : ____1260 _____ **The instance study will be REJECTED if the campaigners fail to adhere to the above format. Declaration I do solemnly and unfeignedly declare that the instance study submitted represents my ain work. I have been in clinical contact with the instance selected. The instance study has non been submitted to any assessment board or publication and it is NOT related to my 2nd forte ( Internet Explorers ) , if any. My consent is herewith given to the College to maintain a transcript of my instance study, in written and/or electronic, at the College Secretariat and let the populace to hold free entree to the work for mention. ______________________ ( Signed by _______________ ) How to cite A Young Lady With Feet Swelling Health And Social Care Essay, Essay examples

Rhodesian Politics in the 20th Century UDI and the Drive Towards Freedom free essay sample

Analysis of Rhodesias unilateral declaration of independence under the government of Ian Smith. This paper deals primarily with Rhodesian (modern-day Zimbabwe) politics in the 20th century, specifically that of the Unilateral Declaration of Independence (UDI) and its ideology. Issues such as the role of ZANU, Cecil Rhodes and the British invasion, and the last one hundred years of Rhodesian history are considered, particularly focusing on the countrys drive towards independence. Cecil Rhodes confrontation with the Ndebele tribe, African resistance groups and their role in fighting for freedom, and Rhodesias long history of British alliance are all discussed as subjects that help to answer the authors thesis. The main question the author tries to answer is: Was Ian Smiths government acting in good intention when declaring illegal independence from Britain? The road to freedom and development in modern day Africa has been a lengthy struggle for the continents nations. We will write a custom essay sample on Rhodesian Politics in the 20th Century: UDI and the Drive Towards Freedom or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Political negotiations, violent uprisings, and anti- European liberation movements were all employed by different African countries at various times, depending on how difficult achieving independence would be. For nations like Tanganyika, independence was obtained through less hectic means; as this countrys primary nationalist movement (Tanganyika African National Union), led by Julius Nyere, won a decisive majority in the 1958 British parliamentary election. TANUs victory coupled with the support they received from several powerful white-settler politicians resulted in independence for this nation, ultimately constructed around a fair and non-racial constitution.

Free Essays on The Concious Of A Man

The Conscious of a Man The cruelty of war, the power of an alliance and the honor of a man are vividly described in Hernado Tellez short essay â€Å"Just Lather, That All†. In This short fiction story/essay Tellez tells a story that seems to real. It is almost as if he was describing what is going on today in Central and Southern American countries, such as Colombia. His story/essay is about one man who is caught in a dilemma during an encounter with his enemy. The dilemma of this man is his own conscious. It is strange how one mans conscious can go trough so many things, such as contradicting and asserting itself. And in this story/essay this occurs a lot as most of the story/essay is told from the conscious of the character. The character/man is a local barber who has great pride on his work, which is captured in a quote from pg. 700: â€Å"I am a good barber, the best in town, if I may say so†. He is also part of an alliance of rebels The dilemma of the barber starts when a Military group enters his work. The group is a team of soldiers whom haunts and kills rebels; and at the top of this group is a Captain named Torrez. Captain Torrez is a men who has a really bad image, he is painted in such a way that he resembles Fidel Castro in a line from pg. 699: â€Å"†¦he took off the bullet-studded belt that his gun holster dangled from. He hung it up on a wall hook and placed his military cap over it†. The barber is not pleased at all with this man being at his work â€Å"Damn him for coming because I’m a revolutionary†¦Ã¢â‚¬ (pg.701). The first thing that crosses the barber’s conscious is to kill the captain or to not kill the captain. This question in his mind is what begins the entire dilemma. He had never had the captain so close to him and it was not known that he was a revel. But the barber knew one thing from the beginning; Torrez was a customer in his shop and not an enemy. This is clear through the entire story... Free Essays on The Concious Of A Man Free Essays on The Concious Of A Man The Conscious of a Man The cruelty of war, the power of an alliance and the honor of a man are vividly described in Hernado Tellez short essay â€Å"Just Lather, That All†. In This short fiction story/essay Tellez tells a story that seems to real. It is almost as if he was describing what is going on today in Central and Southern American countries, such as Colombia. His story/essay is about one man who is caught in a dilemma during an encounter with his enemy. The dilemma of this man is his own conscious. It is strange how one mans conscious can go trough so many things, such as contradicting and asserting itself. And in this story/essay this occurs a lot as most of the story/essay is told from the conscious of the character. The character/man is a local barber who has great pride on his work, which is captured in a quote from pg. 700: â€Å"I am a good barber, the best in town, if I may say so†. He is also part of an alliance of rebels The dilemma of the barber starts when a Military group enters his work. The group is a team of soldiers whom haunts and kills rebels; and at the top of this group is a Captain named Torrez. Captain Torrez is a men who has a really bad image, he is painted in such a way that he resembles Fidel Castro in a line from pg. 699: â€Å"†¦he took off the bullet-studded belt that his gun holster dangled from. He hung it up on a wall hook and placed his military cap over it†. The barber is not pleased at all with this man being at his work â€Å"Damn him for coming because I’m a revolutionary†¦Ã¢â‚¬ (pg.701). The first thing that crosses the barber’s conscious is to kill the captain or to not kill the captain. This question in his mind is what begins the entire dilemma. He had never had the captain so close to him and it was not known that he was a revel. But the barber knew one thing from the beginning; Torrez was a customer in his shop and not an enemy. This is clear through the entire story...

ACT Scores Matter for College Admissions

When Don't SAT/ACT Scores Matter for College Admissions SAT / ACT Prep Online Guides and Tips Have you started researching how to apply to college?You may know that most college-bound students take the SAT and ACT. But just how important are they, and when can you get away without taking them? Let's look at when SAT and ACT scores are important for college admissions, and when they're not. When SAT/ACT Scores Matter Generally speaking, four year colleges place a lot of importance on your SAT and ACT scores. Your grades and high school classes may have different curriculum and levels of difficulty among schools. Because of this, it's hard for admissions officers to compare candidates' academic readiness on high school classes alone. The SAT and ACT represent an attempt to measure students' skills, knowledge, and potential on the same playing field. If you're applying as a strong academic archetype - for example, you have high grades and strong extracurricular involvement - you want your test scores to reinforce your academic achievement. If this describes you as a student, then your SAT or ACT scores matter a great deal.(Below, we'll discuss how scores factor into the equation for students applying as athletes or to pursue a special talent, like dancing or the arts.) Especially selective schools also want to see SAT Subject Tests, as a standard measure of your mastery of a particular subject in school, like biology, math, or Spanish. Click here to see the complete list of SAT Subject Tests and learn about what they cover. How to Find Your College Requirements Colleges state their standardized testing requirements on their admissions websites. In addition to which tests they require, you want to know what scores you need to achieve. This article tells you step by step how to set target scores that will put you in the best position for admission to your chosen schools. If your high school uses Naviance, you can also see data from students that attended your own school. Naviance shows you what scores they had and if they were accepted or rejected from your schools of interest. With clear goals and effective test prep, you canachieve your target scores and apply to schools where you have a strong chance of admission. For the many of you to whom SAT or ACT scores are very important, you can start preparing by answering any and all of your questions about the tests. When are the best dates to take the SAT or ACT?How can you aim for and achieve a perfect score? And how is the SAT scored anyway?The ACT? By thoroughly understanding the tests inside and out and doing some serious prep to get yourself ready, you can achieve scores that reinforce your high school record and prove your academic excellence to admissions committees. Now let's look at some exceptions - schools with test-optional and test-flexible policies. When Scores Don't Matter (or Matter As Much) - Test Optional and Flexible Schools Recently, more and more schools are de-emphasizing, or even doing away completely, with standardized test scores in their admissions decisions. Some schools have a test optional policy, which suggests that it's up to you whether your scores reflect your academic ability and you want to send them. Some schools merely suggest you can opt out, while others emphasize that scores truly are optional and will not affect your chances of admission one way or the other. This is frustratingly vague, right? I'd suggest researching the school's website or calling its admissions office and asking them to clear it up. Unless the school really stresses that scores are truly optional, it's probably a good idea to still take the test and send them. Considering how competitive admissions are, strong test scores could be one more way to gain an edge and stand out. Here we've compiled the comprehensive list of all the test optional and test flexible schools, along with their specific expectations. Check it out to see if any of your schools of interest don't require the SAT or ACT for admission. If you feel you are unable to achieve strong scores and the tests would drag down your application, then it might be a good idea to hold off on sending those in. Again, you should always check with the school to clear up what their stance toward SAT and ACT scores really is. One notable exception is Hampshire College in Massachusetts. They will simply reject any test scores that are sent their way. Their policy states, "Unlike 'test-optional' institutions, we will not consider SAT/ACT scores regardless of the score. Even if it's a perfect score, it will not weigh into our assessment of an applicant." Some test optional schools are Bates, Bowdoin, Smith, University of Texas at Austin, and Wesleyan, among numerous others. Another approach that schools have adopted is to be test flexible. This means you can send the SAT or ACT, but there are other options as well. Usually these other options are sending three SAT Subject Tests or three AP exams, if you feel they better reflect your work as a student. NYU, for example, says, "To be eligible for admission, applicants are expected to submit results fromone of the following testing options: The SAT Reasoning Test; or The ACT with Writing Test; or Three SAT Subject Test scores; or Three AP exam scores." We've looked at the policies of four-year colleges, but what about your unique profile as a candidate? First, what are your SAT or ACT requirements as a recruited athlete? Applying as an Athlete If you're being recruited as an athlete, you are most likely going through NCAA Clearinghouse. You will still have to take the SAT or ACT, if your college requires it, but your scores don't have to be as high as non-recruited students. Your SAT and ACT scores are compared on a sliding scale with your grade point average (GPA). So if your GPA is on the higher side, you can get by with lower test scores. If it's low, then you have to score higher on the SAT or ACT to make up for it. Click here to read about all the NCAA requirements, what SAT scores you need, and how to achieve them.This article is for you if you're a student athlete planning on taking the ACT. Your score requirements may also be less stringent if you're applying with a special talent. Applying With a Special Talent Have you published novels as a teenager? Or won national competitions in spelling or math? Did your 9th grade science experiment help scientists make a breakthrough discovery, or have you played violin in a symphony since the age of 14? If you're regarded as one of the top achievers in the country or world in a well-regarded talent, like music, academic competitions, chess, theater, or dance, then your SAT or ACT score might not matter that much. It might be especially inconsequential if it doesn't align with your strength. For instance, a college might not care how well a published teen author scores in math. Many of these students receive some media attention for their exceptional talent and will likely be in close contact with colleges to discuss exactly what scores they need for admission. If the college finds you a desirable candidate, then it will probably waive the usual SAT/ACT score expectation and accept you with a lower minimum score. Want to learn more about the SAT but tired of reading blog articles? Then you'll love our free, SAT prep livestreams. Designed and led by PrepScholar SAT experts, these live video events are a great resource for students and parents looking to learn more about the SAT and SAT prep. Click on the button below to register for one of our livestreams today! Applying to Art Schools If you're looking to pursue studio art, photography, dancing, acting, music, or another field in the arts, then you may not have to take the SAT or ACT. Usually these schools are more concerned with your portfolio or audition. Juilliard, one of the world's leading music schools and most prestigious arts programs, does not require the SAT or ACT. Some other art schools with no SAT or ACT requirement include, Academy of Art College in San Francisco American Academy of Art in Chicago California College of the Arts International Fine Arts College in Miami Illinois Institute of Art New England Institute of Art and Communication New Hampshire Institute of Art Two other types of schools that don't usually require the SAT or ACT for admission are community colleges and trade schools. Community Colleges As far as I know, no community colleges require SAT or ACT scores. They usually have open enrollment and have students take a placement test in math and English to determine their level in these classes. SAT or ACT scores could exempt you from these tests and determine your placement. Community colleges offer two-year Associate's degrees in a huge number of programs. Some students go into community college with a "2 + 2" plan, meaning they'll complete two years at community college and then transfer to a four year school. After an additional two years, they'll receive their Bachelor's degree from that four-year institution. There are several reasons why students might choose this plan. Two major ones are saving money or improving their academic record. Community colleges tend to be much less expensive than four year schools, so spending a couple years at one could be a huge tuition-saver. For students who are not satisfied with their high school grades, they could achieve higher grades in community college and then have more options for four year schools. Community colleges also often have partnerships with state schools that make it easy to make this switch. If you've already been at a community college for two years, you usually do not have to take the SAT or ACT or send your scores in order to transfer. The other type of schools that don't require SAT/ACT scores are technical and trade schools. Technical and Trade Schools Students who are primarily looking for professional training may be interested in technical or trade schools. Many of these schools don't require the SAT or ACT, or, if they do, they may only require it for certain sections. ITT Tech, for example, gives students the option of either passing an admissions test or taking the SAT or ACT. As with all college applications, research your school to find out its specific admission requirements. If you attend a vocational high school, or have one in your district, the teachers and counselors there might also be a great source of information for post-secondary options in technical and trade schools. To Sum Up... As you can tell, there are lots of different post-secondary options! Make sure to research your options well in advance of senior year so you can make a plan and fulfill all of your requirements in time for your deadlines. If you experience a lot of test-taking anxiety or cannot take the SAT or ACT for other reasons, there are selective four year schools, community colleges, and trade schools that do not require or do not heavily emphasize standardized testing scores. If you have financial concerns about the tests, check out our article on SAT fee waivers and ACT fee waivers to see if you might be eligible to waive the cost. If you are, you can also get free score reports sent to colleges. The SAT and ACT can be a personal milestone on the path to college for students, but these tests are not for everybody. Explore your options so you can make the best post-secondary plans for you! What's Next? Feeling worried about the SAT? Read these strategies for managing anxiety and how to use mindfulness to clear your head, focus your energy, and perform your best on the SAT. The new SAT is fast approaching! With that in mind, should you take the new SAT in 2016 or the current SAT? Figure out the answer to this important question here. Want to improve your SAT score by 240 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now: