Trends And Patterns Of Asian North American - 1634 Words

Trends and Patterns in Asian-North American Representation in Hollywood Momo S. Tanaka University of Saskatchewan Trends and Patterns in Asian-North American Representation in Hollywood I saw the highly promoted movie adaptation of The Hunger Games in spring of 2012, and I left the theatre wondering one thing: where were all the Asians? This is not an uncommon occurrence: as a second generation Japanese-Canadian, I have grown up surrounded by American and Canadian media that lacks representation of Asians to the point that seeing an Asian on my television is an thrilling. This is the sad reality of the state of representation of Asians on television. I have learned and experienced first hand that the lack of†¦show more content†¦Stereotypes like these are often utilized in representation. All types of media — movies, television shows, advertising, and the like — use representations â€Å"to express reality† (Viruega, 2011, p. 3). To paraphrase Benshoff Griffin and Taylor Willis, representation is a the process of combining signs to present an image of complex abstract concepts to communicate a story. In other words, representati on is involved in the communication and the determination of meaning and interpretation. Media uses representation and becomes an extremely influential element of the creation, acceptance, and perpetuation of stereotypes around Asians (as well as all other ethnic groups). According to cognitive-transactional model of media priming â€Å"repeated exposure to media stereotypes makes the stereotypes highly automatic, requiring little cognitive effort† (Zhang, 2010, p. 22), and this influences media consumers’ judgments and actions in interactions with Asians (Zhang, 2010). Because American media is extremely prevalent in Canada, as a consequence of globalization, cognitive-transactional model of media priming dictates that the reinforcement of racial stereotypes and views through representation has become very similar

Gm591 - Organizational Culture Inventory (Oci) Results

Keller Graduate School of Management [pic] GM 591: Organizational Culture Inventory Results for ABC IT – Business Solutions Group. Instructor: Rick Lochner Prepared by: Venkata Kumaran Date: 20-JAN-2010 TABLE OF CONTENTS 1.0 Introduction 3 2.0 Current Culture 3 2.1 Cultural Type 5 2.2 Behaviors Associated with the Current Cultural Type 5 3.0 Targets for Cultural Change 6 4.0 Potential Benefits Risks of Cultural Change 8 4.1 Benefits 8 4.2 Risks 8 5.0 Conclusion and Reflection 9 6.0 References 9 Introduction â€Å"Culture is made up of the values, beliefs, underlying assumptions, attitudes, and behaviors shared by a group of people. Culture is the behavior†¦show more content†¦I believe the power style is apparent by fact that members (especially managers/ leaders) in the organization always liked to maintain unquestioned authority and wanted to personally run everything. As an example, some of the mundane day-to-day decisions have to taken at the highest level. Most of the members would like to maintain the image of perfection at all times. I have seen members don’t like to bring up issues they face in completing activities which actually results missing milestones. They also like to blame others for their failures to escape criticism or punishment. The actual purpose of the BSG is to work closely with the core IT team to help business focus on the company’s strategic goals. Some of the BSG members treat job as a contest and would rather like to compete tha n to co-operate. Another behavior I have observed is that most of the members do not think ahead and plan their activities. This behavior when analyzed further points to fact that the members are expected never to challenge their superiors. This results in relatively frequent priority changes. Even though they know the business and the functionalities around the business they tend not to look at alternative solutions before working with the business. Finally some of the members have been with ABC for long time, they accept the status quo. Every idea for improvement is looked upon as â€Å"Will this affect theShow MoreRelatedGm591 Walmart -Project Paper3562 Words   |  15 PagesImproving Wal-Mart’s Employee Relations GM591: Leadership and Organizational Behavior April 20, 2010 INTRODUCTION The Organization that we selected as our topic of discussion in our Project Paper is the Wal-Mart Corporation. Sam Walton is the founder of Wal-Mart. He opened his first store called Wal-Mart Discount City in Rogers, Arkansas in July of 1962. Their corporate office is currently located in Bentonville, Arkansas. Wal-Mart Stores Inc. incorporated its stores onRead MoreCourse Project Paper Gm5913925 Words   |  16 PagesOvercoming Communication Shortfalls John R. South, Jr. 8736 Lock 17 Road Bessemer, AL 35023 Phone (205) 914-1480 jrsouth5358@bellsouth.net Keller Graduate School GM591 - Leadership and Organizational Behavior Professor Patrick Kinane April 18, 2010 Overcoming Communication Shortfalls Introduction The organization that will be used as the topic of my course project will be my current employer, Cullum Detuners, Ltd. (CDL). CDL is a design-build company that provides acoustic support

Changing American Family Free Essays

Changing of the American Family Throughout the years we have seen families change from time to time. Not just in the actual household, but also in the media. From the nineteen fifties to present time, we can relate to the families in the media. We will write a custom essay sample on Changing American Family or any similar topic only for you Order Now In the nineteen fifties everything seemed to be more relaxed but strict at the same time. However, through the changes in time families have become a bit more chaotic at times and less strict. The families within the media have changed in many ways in whether it being as simple as becoming less strict or whether or not the father being in total control of the household. In the television sitcom Father Knows Best, everything seemed like a perfect family. The mother would stay at home and take care of the house and clean, while father would be at work and while the kids would be at school. The house would always be very clean and organized when the father and children would come home. The kids would never curse or back talk their parents due to respect. Every morning the family would sit together and eat a healthy breakfast and every evening the father and kids would come home to a dinner prepared for the family to eat together. The ideal of the American family in the nineteen fifties was more conservative. The family actually did stuff together and bonded. A few decades later, the media is still changing in time. In the television sitcom The Cosby Show, everything still seems like the perfect family to live in just a little more laid back and less strict. The family would still do stuff together, just not as often. The children would go to school during the day while both parents had to be at their jobs to provide for their family. When the kids would get home from school they would do their homework and then do what they wanted to do. Unlike in the sitcom Father Knows Best, the family did not always have breakfast together; it was more of a find what you want to eat and eat it ordeal. Each night the family would not necessarily have dinner together. In an episode we watched during class, a few of the children ruined a book of the fathers and so they made him dinner to try to make up for their wrong doing. The family had then eaten dinner without the mother and their brother. While comparing both shows and watching them both, you can see how the relationship between two American families have changed over a period of time even though it is in the media. In present time, we can still see much growth in the media. The American family is not so conservative. In the television sitcom George Lopez, many things have changed in the media from Father Knows Best and The Cosby Show. The family in George Lopez was a more chaotic family. The children misbehaved often and the mother and father would tend to get into arguments at times. George would always try to catch his children getting in trouble when they misbehave, whether it is by confronting them straight on, or trying to be sneaky by investigating the situation and then punishing them later. Usually at the end of every episode, it is always shown that George loves and cares deeply for his family. The article I am using to support with this essay is The American Family on Television: From Molly Goldberg to Bill Cosby written by Muriel G. Cantor. I felt most connected with this article because it relates to Bill Cosby and I am using The Cosby Show in my essay. This article is about the families within the media in comedy which all three television sitcoms I am using in this essay conduct with comedy. Comedy is one of the most popular choices to watch on television. The first section of the article concentrates on the background for the family life as portrayed in televisions comedies. The second section concentrates more on Molly Goldberg from the television series in the nineteen forties and then relates to Bill Cosby. The primary focus is on how gender, race, and class have been portrayed over time and whether the messages, issues, and themes about love and sex have changed and in what ways. After analyzing television from the nineteen fifties to present time period, the article concludes by noting that the family is not always presented as the perfect family. Family members often make fun of each other; sometimes they deceive each other to get their way; and often interact by putting each other down† (Canter, 1991). Like in the sitcom George Lopez, the family is basically the place where one goes for support and when you need someone to be there for you. Your family will always be there to support and help solve your problems and care for you. Throughout the media we have seen in most television shows how much families can be supporting. We have also seen how the American families have changed over the decades. In the nineteen fifties, the â€Å"father role† was being head of the household and the mother was to back him up with his every choice. If we were now to watch a television sitcom that was in the comedy genre, we would see how the mother does not sit back and let the father be head of the household. Most of the time the parenting role is equal between the mother and father now days. Sometimes the mother may be in charge of the household more than the father would be. I think if you were to watch television sitcoms throughout the decades then you will be able to identify how the American family has changed in time within the media. References James, E. (Producer). (1954, October 3). Father Knows Best. [Television broadcast]. Burbank, CA: Warner Brothers Burbank Studios. Cosby, B. (Producer). (1984, September 20). The Cosby Show. [Television broadcast]. New York City, NY: Carsey – Warner Company. Lopez, G. (Producer). (2002, March 27). George Lopez. [Television broadcast]. Los Angeles, CA: Warner Bros. Television. Cantor, Muriel G. (1991). The american family on television: from molly goldberg to bill cosby. 22(2), Retrieved from http://proxy. library. iue. edu:2359/ehost/pdfviewer/pdfviewer? sid=a6b2c5f6-1784-4b50-a2da-9bfef4ad923f%40sessionmgr104vid=6hid=107 How to cite Changing American Family, Papers

Remembering Mike Essay Example For Students

Remembering Mike Essay Remembering MikeThe death of my friend Mike Walker taught me the true meaning of the clich, Life does not last forever, so live each day like it is the last. I treasure my friends and family more than anything in the world. A good friend is hard to find. I thought this was true until the first day I met Mike. I remember the day perfectly and I will always remember it for as long as I live. To me Mike was a great person. He was always laughing and telling jokes. Of course he had his down times like everyone else, but he did not allow himself to stay down for long. He was the type of guy to just walk up to anybody and say, Hi, I am Mike Walker. The first time I met him, I was sitting down to lunch with my friend, Andrew. We were not there long when another guy sat down. He immediately looked at me and said, Hi, I am Mike Walker. I was so surprised by his welcoming smile that I was left speechless. After a slight nudge from Andrew, I responded with my name and was greeted by yet another charming smile. It was not long before I realized I had sat down to lunch with the golf team. They were all talking and goofing off while I quietly ate my lunch. When I looked up, Mike was staring at me. He looked right at me, as if he were reading my mind. He looked around the table before saying, All right guys, subject change. What do you want to talk about, Stacy? I never got the chance to answer because lunch was over. As we left the cafeteria Mike turned to me and said, Dont worry we will talk about what you want next time. With a smile on his face (as well as mine), he was gone. From then on Mike and I had a friendship. We talked in the halls and after school. Mike was a great person and could always make me happy. One day I was talking to Mike before school let out. We were laughing and joking as usual. He told me he was going to be around after school and to find him later. So, I went happily to band practice. The next thing I knew, my teacher was telling us practice was cancelled. So I got up ready to find Mike. When I walked out of the school, I saw nothing but people and an ambulance. It was so quiet; I never thought there could be so many people in one place and not a single sound. I could not hear anyone move, cough, or even breathe. It was as if the world was holding its breath. I started walking and asking people what was going on. At first they said someone had hit their head, but they were ok. The farther down the hill I got, the more the story changed. They said it was Mike who fell off his four-wheeler and hit his head. I started walking faster and faster in a panic to see Mike. Someone then suddenly stopped me. It took me a minute to realize it was my best friend Mat. I knew as so on as I saw him Mike was dead. His eyes said it all. I stayed a little while staring at the ambulance hoping that maybe Mike would get up and the ambulance would drive away. But it did not happen. That night I cried so hard. I could not sleep due to the tragic sight I had just seen. I had awful mental pictures in my mind. I called Mat for comfort. I was so upset that words just flew out of my mouth. I said, Why did I even have to know Mike. This would be easy if I had not ever met him. Mat put me on hold and when he came back a song was playing. It was Garth Brooks The Dance. I never really listened to the message of the song. It is about the dance of life. It says that he wished he could have missed the pain, but then he would have missed the dance. This is how I felt. I wished that I was not in so much pain, but then I would have missed all the fun and great times with Mike. .u979df3af7abdf6460fc953897d043432 , .u979df3af7abdf6460fc953897d043432 .postImageUrl , .u979df3af7abdf6460fc953897d043432 .centered-text-area { min-height: 80px; position: relative; } .u979df3af7abdf6460fc953897d043432 , .u979df3af7abdf6460fc953897d043432:hover , .u979df3af7abdf6460fc953897d043432:visited , .u979df3af7abdf6460fc953897d043432:active { border:0!important; } .u979df3af7abdf6460fc953897d043432 .clearfix:after { content: ""; display: table; clear: both; } .u979df3af7abdf6460fc953897d043432 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u979df3af7abdf6460fc953897d043432:active , .u979df3af7abdf6460fc953897d043432:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u979df3af7abdf6460fc953897d043432 .centered-text-area { width: 100%; position: relative ; } .u979df3af7abdf6460fc953897d043432 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u979df3af7abdf6460fc953897d043432 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u979df3af7abdf6460fc953897d043432 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u979df3af7abdf6460fc953897d043432:hover .ctaButton { background-color: #34495E!important; } .u979df3af7abdf6460fc953897d043432 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u979df3af7abdf6460fc953897d043432 .u979df3af7abdf6460fc953897d043432-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u979df3af7abdf6460fc953897d043432:after { content: ""; display: block; clear: both; } READ: Dmitry Ivanovich Mendeleleyev Was Born In The Town Of Tobolsk, Siberia EssayMike left a lot of people behind. When everyone left the school for the funeral, only 100 people stayed behind. Mike died doing what he loved most, having fun. He was not wearing a helmet, but in a way that was a blessing. When he fell off of his four-wheeler, a metal pole went through his head. Then the four-wheeler landed on his head. If he had been wearing a helmet, he would have ended up with serious head injuries. He died instantly. They said he did not feel any pain, but the pain that everyone else felt was unbelievable. Mikes death made me realize how important life is. It also made me realize how important friends are. For years I fought with my neighbors. They were some of Mikes best friends. After his death we apologized to each other. Now I care about them a lot. I also took the time to make friends with Jeff Walker, Mikes identical twin brother. I would not trade these friendships for anything. I grew a lot from this experience. I always thought clichs were kind of stupid, but then I learned from one. Life doesnt last forever. Even though you always think it will never happen to you, it could be you next time. This experience made me realize how important friends are. I learned not to take friends for granted because you dont know if they will always be there. It may sound sappy or boring and you may have heard this a million times, but live each day like it is the last. Do not let a day go by where you dont let the people in your life know how much you care. I make sure to tell my parents that I love them at least once a day. I would hate for something to happen to them and have to wonder everyday if they knew how much I cared. I also make sure to check in with my best friends often, just to say hey and make sure they are doing ok. Some people would call this just being paranoid, but I call it caring about the people in my life. Sometimes it is that one person who cares th at changes everything. You never know when a tragedy like this will happen to one of your friends, or even yourself. I will always remember this day for the rest of my life. I will also always regret not saying the things I should have said before it was too late. Social Issues Essays

Calleeta Corporation Essay Example

Calleeta Corporation Essay The Calleeta Corporation May 15, 2011 HRM 520 Identify three key business issues facing Jan, Calletta’s CEO. As Calletta’s CEO, Jan is facing a number of problems such as: lack of support from board members/investors, increasing employee costs, and protests against Calletta’s offshore facilities due to the growing concern of working conditions. Jan key issue on hand is the lack of support from board members and investors. Board Members and investors right now are not supporting Jan or her proposal due to a poor return on investments. Board Members are concerned about the rapid increase of employee cost the company is incurring. Calletta is incurring a 12% cost increase annually compared to an industry average rate of just 4% in the U. S. It seems that until Jan is able to reduce employee cost along with increasing the company’s revenue and return on investments she will continue to lack the support needed for her future plans for Calleeta. Another key business issue Jan is facing at Calletta is the rapid increase in employee cost. Board Members are furious that Calletta is paying a well higher annual rate of 12% versus the industry average 4% that their competitors are paying. Board Members are demanding that Jan seek ways to decrease employee cost before approving any future plans. As a result Jan is forced to choose between HR Vice-President John Nosmas practices or the board who affects her maneuvering power for future plans. John Nosmas defends his practice of paying higher wages along with providing expensive benefit programs because he believe in hiring the best employees and believes that his practice also keep employees along with products innovated. We will write a custom essay sample on Calleeta Corporation specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Calleeta Corporation specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Calleeta Corporation specifically for you FOR ONLY $16.38 $13.9/page Hire Writer This key business issue kind of puts Jan in a hard place because both parties play a vital role in her success as CEO. Finally, as CEO Jan is faced with the growing concerns over working conditions in their foreign facilities which are being targeted by activists on behalf of humane working conditions. This issue not only affects Calletta from a publicity stand point but from a production standpoint also. If this concern is not contained Calleta can be labeled as an inhumane place to work and may lose investors resulting in a loss of business and profit. Another concern this issue presents is eventually it could affect production due to the protesting by activists. If activists intervene in the daily operation of Calleta such as blocking supplies from coming in, it could affect production and in return revenue causing an uproar with investors in which Calleta don’t need. Therefore, it is critical that Jan resolves this issue before it before it becomes detrimental to the organization. Discuss the ways that Calleta’s HR operations are contributing to the company’s success. Calleta’s HR department is the backbone of the company’s success. Due to HR Vice-President John Nosmas and Jan’s human capital talent acquisition and retention plan Calleta was able obtained the most highly skilled individuals in their industry giving the organization a competitive advantage. John and Jan’s plan focused on matching the company’s core competences to recruits that possess the skills within Calleta’s strategy. John and Jan believed that their strong recruiting and retaining plan would give the organization a competitive edge along with innovating the company’s products. Without a strong recruiting and retention plan a company will constantly incur a high turnover rate along with inconsistency with the quality of their products. â€Å"A company that implements an effective recruitment process is likely to gain competitive advantage in the marketplace, improve returns, and achieve economies of scale. This is possible only through the recruitment of quality candidates in to the organizational workforce (Sangeetha, K, 2010)†. Therefore, Calleta’s HR operations are key to the company’s success because it thrive to find the right people to fuel the company’s products. Identify three changes that can be made at Calleta to meet the Board of Directors demands. After reading the case study it seems that the Board of Directors main demands and concerns are with the rapid increase in employee cost. Therefore to meet the Board of Directors demands Calleta would have to focus on cutting employee costs in the area of employee benefits. The first area Calleta can cut cost is in employee’s personal benefits. Calleta can cut employee cost by only paying a percentage of employee’s healthcare, dental, and life insurance versus providing these benefits at no cost to the mployee. This approach along should reduce Calleta’s cost tremendously considering the increasing cost of healthcare. This method would not hurt Calleta recruiting shceme because it’s a method most U. S. companies are adopting. According the Los Angeles Times, â€Å"in 2010 nearly a third of employers reported that they either reduced the scope of benefits they are of fering this year or increased the amount that workers must pay out of pocket for their medical care†. This approach will share the liability of cost with employees instead of Calleta taking on the full incurred cost. By sharing the cost for healthcare and insurance benefits Calleta will be able to cut employee cost drastically. Another change that Calleta can make to meet the Board of Directors demand is reducing the 401k match from 10% to 5%. Calleta currently offers a very generous 401k plan that exceeds most competitors’ plans within the industry. With the current 401k plan Calleta is losing a massive amount of money in matching employee’s contributions. Calleta is basically giving money away on top of all the other great benefits they offer. Even with reducing Calleta’s contribution amount this still leaves Calleata in a competitive position in terms of recruiting due to their other generous benefits. By reducing their 401K plan matching scheme from 10% to 5% this will reduce the amount of money Calleta was previously spending on 401K matching by half making the Board of Directors incredibly happy. Another change Calleta can make to meet the Board of Directors demands is by reducing some of their paid programs such as pet boarding. If Calleta eliminates this program as a whole they can save on paid wages, benefits, and vacation earned by employees. Programs such as pet boarding are offered outside the workplace and are considered luxury services. This type of service should not be at the cost of Calleta unless they have the revenue to support it. However, in Calleta’s case they do not have revenue to support this luxury service to employees. By eliminating this program is it helps provides some relief to the drastic increase in employee cost. Discuss how a balanced scorecard can help the CEO explain the value of her HR talent management approach. A balanced scorecard can help the CEO explain the value of her HR talent management approach by measuring the visions and goals of her approach against the various categories of the balanced scorecard to show how they performed. For instance, since Jan’s talent management approach focuses on innovation she could measure the performance of her approach against the learning and growth component to show how her approach faired against the metrics in place. In the learning and growth component metrics are generally setup to guide managers in ensuring employees receive training/mentoring to promote employee development and growth. Jan can use the results of a balanced scorecard to persuade Board Members into embracing her approach. Jan can use a balanced scorecard to show how the additional training given to employees has increased motivation and productivity to reduce product time-to-market. By illustrating how her talent management approach has increased production and morale Jan is able to defend her approach and show the value of her approach to Board Members. As a result of being able to demonstrate how her approach has benefited the company Board Members will more than likely embrace Jan’s approach because of the positive results. Identify three sample measurements in each of the four balanced scorecard categories that would support the CEO’s presentation to the Board of Directors. Three sample measurements in the learning and growth category that would support the CEO’s presentation to the Board of Directors would be: competency development expense per employee (cost control), number of employees with development plans (cost control), and number of special projects for employee development (value creation). Three sample measurements in the financial category that would support the CEO’s presentation to the Board of Directors would be: HR recruitment expense/ RD hires (cost control), HR training expense/ $ of sales revenue (value creation), and HR departmental expense/$ of sales revenue (cost control). Finally, for the customer category three sample measurements in the learning and growth category that would support the CEO’s presentation to the Board of Directors would be: number of delivers on-time, numbers of customers satisfied, and rating of quality of service. References Sangeetha, K. K. (2010). Effective Recruitment: Strategy, 7 (1/2), 93-107. Retrieve from EBSCC on May 9, 2011. Leavy, N. N. (2010). U. S. employers push increase in cost of healthcare onto workers. Retrieved from http://articles. latimes. com/2010/sep/02/business/la-fi-healthcare-costs-20100903

How to Get a Student Loan Step-by-Step Guide

How to Get a Student Loan Step-by-Step Guide SAT / ACT Prep Online Guides and Tips For many students, loans are vital to being able to afford an education. The cost of a college education in the US is cost-prohibitive for many families, and loans help to close the gap between what school costs and what families can actually afford. As of last year, over 40 million Americans are working to pay off student debt. Learning how to get student loans sounds daunting and burdensome, but if you’re smart about how and where you get your loans, taking on debt can be a manageable option. Here, I’ll walk you through all the steps to getting student loans, including calculating your own need, finding loans, applying for loans, and managing repayment. First, though, I'll talk a little bit about how student loans work. How Loans Work This explanation is a bit simplified, but you should come away with a good general idea of how loans function. If you know how loans work, you'll be better able to find and apply for loans that are good fits for your needs. By definition, a loan is a sum of money that you (the borrower) is given by a person or entity (the lender) with the expectation that you'll pay it back with extra charges tacked on (the interest). When you repay student loans, you'll usually make monthly payments on the sum you borrowed (the principle) plus interest that has built up, or accrued. The bigger the principle, the higher the interest rate, and the longer you take to pay off your loan = more money that you have to pay back in interest. Details like length of repayment and interest rates will vary widely among loan options. Some loans come with extra perks (like the Direct Subsidized loan). There isn't anything particularly complicated about most loans, but some of the financial jargon can be confusing if you're new to it. If you're clear on the basics of how loans work, you can move on to the next step of getting a loan: calculating how much you need. How Much Do You Need? Before you actually apply for loans, you should have a general idea of how much funding you'll need. Follow these steps to get an estimate of how much loan money you should get to pay for college. Step 1: Determine How Much Your School Will Cost The total amount of money it costs to attend a particular school for one year is called its Cost of Attendance, or CoA. The CoA is an average (so your own unique cost might be more or less), and includes expenses like tuition, room, board, books, fees, transportation, and personal expenditures. You can check out a particular school’s CoA by Googlingâ€Å"[school name] cost of attendance.† You can get more info about college expenses and costs here. Step 2: Use Your Family's Financial Information to Determine What You Can Afford to Pay If there's a gap between your school's CoA and what your family can afford to pay,don’t panic! Not every school will be an affordable option for all students, federal and institutional grants and scholarships can really help fill that gap, especially for low income students. If a gap remains after grants and scholarships, you can then consider whether student loans are a good option for you. One way to "officially" calculate how much your family can afford is by using the FAFSA4caster. A major source of student aid is the federal government, and an important number that they use to calculate aid eligibility is called the Expected Family Contribution, or EFC. By using the FAFSA4caster, you can estimate your EFC, which schools will also use to award aid.You can get step-by-step instructions for calculating your EFC here. After you’ve completed the FAFSA4caster estimate, you’ll have an idea of your EFC. Additionally, you’ll know if you’re eligible for any federal grants, which will fill the gap between what you can afford and what your school costs. Finally, when you finish your estimate, you’ll know if you’re eligible for any Direct Subsidized or Direct Unsubsidized federal loans. Once you're informed about much money you may need to take out in loans, you can start searching for loans that are good fits for you and your family. Where to Get Student Loans There are so many options when it comes to student loan lenders. It would be impossible to provide an exhaustive list, but I'll outline a few great places to start. There are two main types of student loans - federal and private - and I'll discuss both. Student loan lenders are everywhere - the following tips will help you start finding your own student loans. Federal Loans Federal loans are loans backed by the federal government. Many federal loan programs are meant to assist low-income students and their families, although some don't require you to demonstrate any financial eligibility requirements to be considered eligible. Interest rates are generally competitive, and don't vary based on your or your parents' credit history. To get any federal aid, including loans, you need to meet basic federal eligibility requirements. Certain loans, like the Perkins and the Direct Subsidized, have other requirements as well. You can read more about basic federal eligibility requirements here. If you’re eligible for federal loans, they’ll be included in schools’ financial aid packages, along with any grants and scholarships. You get to decide what parts of the financial aid package you accept, and what parts you’ll reject;you don’t have to take on any loans if you have other ways of paying for school (e.g. an outside scholarship). Other federal loans worth checking out include Direct Unsubsidized, Stafford, and PLUS loans. Private Loans Quite a few banks offer private student loans, many of which require a cosigner (e.g. an adult with a solid credit history who signs the loan with you). If your parents are clients of a particular bank, you might start by looking for student loans at that institution. Make sure to shop around, though; check with other lenders to see if they offer you better terms, including lower interest rates. If your parents havea financial adviser, it would be ideal if you could check with him or herabout good student loan terms based on your family’s financial situation. How to Apply for Student Loans The loan application process and timeline will vary depending on what type of loans you plan on taking out. I'll talk generally about how to apply for both federal and private loans, although you should confirm the details with your lender, especially if you're taking out private loans; each lending institution will have its own protocols. Applying for Federal Student Loans You can apply for all federal financial aid, including student loans, by submitting one application: the Free Application for Federal Student Aid, or FAFSA. You submit the FAFSA every year that you'd like to be considered for aid. The federal FAFSA deadline for the 2015-2016 academic year is June 30, 2016. Generally, it's wise to submit your FAFSA much earlier than the federal deadline so that you don't miss out on opportunities for funding that tends to run out (the Perkins loan, for example, usually has limited funds available). Students usually submit their FAFSAs in the early spring; you can even submit your application as early as January 1 for the upcoming academic year. To optimize your federal aid eligibility, you'll want to submit your FAFSA even before you hear back from schools if you're a first-year student - say, early spring. You'll then receive notice from schools regarding your acceptance. Schools will put together financial aid packages based on information generated from your FASFA. At that point, you would decide what parts of the financial aid package you would accept, and what parts you would reject. Applying for Private Student Loans Unlike for federal loans, there's no singular application for private student loans. You would have to submit a separate application at each institution (usually a bank) that offers a student loan you're interested in. Many private loans require a cosigner - someone who has more established credit (e.g. a parent) who signs the loan with you. This person is like your lender’s loan insurance - students typically have little to no income or credit history, so if you don’t make payments, this cosigner is held responsible. The better your credit history or your cosigner’s credit history, the better the loans that are available to you. If the financial aid package provided by your school doesn't offer enough in grants, scholarships, or federal loans, you would then consider applying to private loans. How to Get Your Loan Money Once you’ve found a loan that’s a good fit for you, you’ll sign a promissory note. This is a written promise that you’ll pay back the money you owe by a specific date (e.g. 10 years after your loan grace period ends). Federal loans will probably be disbursed, or paid out, to your school directly. The money will be applied to any charges on your school account. If there’s any left over, your school will provide it to you in the form of a refund. If you don't need that refund money, it’s smart to just use the refund to make a payment on the loan Private student loans are also often disbursed directly to your school. Same as with federal loans, you’ll be awarded a refund if there’s any money left over. Caveats: What to Look Out For Before you go ahead and sign that promissory note, there are a few things you should consider. Student debt can very very rarely be discharged in bankruptcy, unlike many other types of debt. If you take on student loans, you’re stuck with them forever. If someone cosigns on your student loans with you, they’re stuck with the debt if you can’t afford to make your minimum monthly payments. Basically, don't take out more in loans than you're comfortable with, if you can help it. Anticipate your realistic career trajectory and earning potential for the 10 years or so after you graduate - this will help you decide whether the debt is manageable. For special types of loans, like the Perkins, consider that you may be able to arrange for loan cancellation. When it comes to student debt, it's important that you don't bite off more than you can chew. If you find that you're uncomfortable with the amount of debt that you would need to take on in order to attend a particular school, there are a few things you can do. Try researching scholarship opportunities, and bring your concerns to the school's financial aid office. If you're still uncomfortable with the loan amounts, consider whether it would be a better financial decision to attend a less expensive school. How to Pay Off Your Loans So you've taken out student loans - you won't have to worry about paying that money back until after you've graduated, right? Although that's technically true, there are steps you can take while you're still in school to reduce your total loan payment amount. If you can, make payments during school/grace/deferment, especially if interest is accruing. You’ll save money in the long run. The following charts demonstrates the long-term financial outcomes of two hypothetical students - they've taken out the exact same loan, but one student makes payments on her interest while in school whereas the other doesn't. Their interest capitalizes, or is added to their principle, at graduation. Take a look: Student A Student B Principle $5,000 $5,000 Interest Rate 10% 10% Interest accrued during 4 years of school $2,000 $2,000 Interest paid during 4 years of school $2,000 $0 Balance due at graduation $5,000 $7,000 Monthly payment (for a standard 10-year repayment plan) $66.08 $92.51 Total amount paid $9,930 $,100 By paying off her interest while she was still in school, Student A saves almost $1,200 in the long run. You won't be obligated to make any payments as a student, but it doesn'thurt to throw some money at your loans every now and again if you have some to spare. Another strategy to make the repayment process a bit easier is to set up automatic payments to avoid late fees. If you're consistently making at least your minimum payments on time every month, you'll also give your credit score a boost. Speaking of payments: if you have multiple loans with different interest rates, make larger payments on your high-interest loans to pay them off first. As you might have deduced from taking a look at the chart above, the faster you kill interest, the more money you'll save in the long run. You won't always be expected to make monthly payments on your loans, however. If you go back to school and won’t have an income, you can often get your loan deferred. If you lose your job, or aren't able to make payments for some other reason, you can look into other repayment plan options, like income-based or graduated repayment plans. Above all, keep your loan servicer in the loop; they'd rather reduce interest or monthly payments than not get their money back at all, so it's in their best interest to work with you if you're struggling. What's Next? Want to get a head start on those loan interest payments? You might want to think about getting a job before you leave for college - read our guide on the best jobs for teens.If you're already in college, you should check out the federal work study program for job opportunities. If you're still knee-deep in student loan research, read our guides on the Direct Subsidized, Direct Unsubsidized, and Perkins loan programs. 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Transition Plans for Special Education Students Essay

Transition Plans for Special Education Students - Essay Example 288) and identified a gap in collaboration between parents and students and a variation between reported and actual levels of collaboration. Importance of collaboration, self determination, person-specific planning, and empirical studies for effective transition planning are explored with recommendations for empirical studies on collaboration based person-centered planning for planning and implementation of transition process (Michaels and Ferrara, 2005). The article is explorative of its objectives and its reliance on external sources and scope as a peer-reviewed article identifies its credibility and reliability to inform a new study. Its theme is also consistent with my topic on transition plans in special education and this makes it a suitable source for developing background information into my study (Michaels and Ferrara, 2005). The article is based on an empirical study towards a model for improving transition planning for students with disability. The authors note that while self-determination concept is recommended for effective transition plans, students are seldom involved in meetings for developing transition plans. The students’ interest that would facilitate development and implementation of transition plans is therefore not captured and teachers’ failure to include instruction on self-determination in their course materials is a factor. Barely 50% of the study’s participants reported inclusion of instruction on self-determination in their lectures and they regarded importance of the instructions (Thoma, Baker and Saddler, 2002). The study’s small sample size threatens reliability of its results but its empirical approach and reliance on other author’s knowledge resolves this weakness and develops its validity. It also relates to my proposed study and will therefore offer significant background hypothesis for development of problem statement and research questions (Thoma, Baker and Saddler, 2002). Trach identifies inefficiency in