Are 0% APR Offers a Scam

Are 0% APR Offers a Scam Are 0% APR Offers a Scam? Are 0% APR Offers a Scam?Learn how these types of loans work to protect both your monthly balance and yourself from running into a bad credit situation.The higher a loan’s annual percentage rate, or APR, the more you will have to pay in interest and fees on that loan. That is why, all else being equal, you will want to find a loan with the lowest APR possible. By this logic, a loan with 0% APR would be the best loan of all â€" or so one might think.Anything that sounds too good to be true probably is, and that rule definitely applies when it comes to 0% APR loans. It’s all a matter of timing.The truth behind 0% APR loansThe only way to get a true 0% APR loan is to borrow money from a friend or family member who is willing to lend it to you at no cost. Any other so-called 0% APR loan or credit offer is just a temporary situation or will come with certain stipulations.“If you miss on-time payments or making the minimum payments, your 0% perk can be revoked,” says Jared Weitz, C EO and founder of United Capital Source Inc. “Even a single late payment can be reasonable cause for the bank to increase your interest rates. If your bank writes 0% APR in bold advertisement on the card, read the fine print. Not all transactions will fall within the percentage.”Of course, there are almost as many different kinds of 0% APR loans as there are loans in general.The partial field guide to 0% APR loansSince you should approach any 0% APR offer with a hefty dose of scrutiny and skepticism, it is important to have a sense of the different kinds of offer you are likely to encounter.Mike Scott, a senior mortgage loan originator with Independent Bank, offered a few examples of typical 0% APR offers:Automotive loans“The 0% APR offer is often in lieu of certain rebates. Depending on your credit, down payment, and the term of the loan, it may be better to take the rebate instead of the zero interest rate.”Credit card offers“Credit cards often will offer a 0% rate for n ine to 18 months, but many of them also charge a balance transfer fee of 3%. If you pay the 3% balance transfer fee, then the effective rate on the card is not 0%. If you pay the balance off in 12 months, the effective rate is 3% or more, since the assumption is that your balance is declining throughout the year. If you pay it off in 12 equal payments, the effective rate is actually 6%, since your mid-point balance is going to be half of the original transfer.”General purchases“They offer ‘no interest if paid off in 12 months’ or something similar. Many of those have a stipulation that, if you go past the offer term, you pay all of the interest that accrued during the term. In other words, if you take 13 months to pay off the balance rather than 12, you will pay the interest that would have accrued during the entire term.Using 0% APR offers to your advantageEven though many 0% APR offers may be trying to take advantage of you, there are some that you might be able to use to your advantage.“Many clients have transferred their balance to a card with an 18-month 0% offer in order to get ahead of their credit card payments,” says Nathalie Noisette, owner of Credit Conversion. “If the offer was only six months, it may not have been worth it. Another reason a card with an introductory rate of 0% may be good is if you plan on making a big purchase.”Of course if the card has a balance transfer fee, you will need to take that into account. Remember that most credit cards have a grace period, and if you pay the bill in full each month, you may be able to avoid paying any interest at all.Always follow the essential finance rule: Never sign anything unless you are absolutely sure what you will have to pay, when you will have to pay it, and if you can comfortably make those payments.ContributorsNathalie Noisette  is the founder of  Credit Conversion, a credit counseling and repair company located in Avon, MA. Credit Conversion uses principles of behavioral change to only allow clients to improve their credit score and understand the habits that lend to poor credit. Follow her  @credconversion.Mike Scott is currently a senior loan officer with 20 years of experience in the mortgage industry, specializing in low- and moderate-income lending, first time homebuyer programs, and down payment assistance. Before that, he worked for five years in consumer lending, mainly in the automotive industry. He has been a regional production manager for one of the big banks for several years before choosing to work for smaller, more responsive banks. Follow him  @IndependBank.Jared Weitz  has been in the financial services industry for more than 10 years. Due to his extensive work experience and deep network of close financial relationships, he handles a multitude of different finance options for his clients and contacts. Throughout the years, he has held positions in some of the largest business financing companies in the United States. Some of his ro les have been: underwriter, director of business development, managing partner, and currently, CEO of  United Capital Source, LLC. Follow him  @jaredweitz.

Essay on Evolution Applied to Human Health and Medicine

Evolution is defined as a gradual process in which organisms become better adapted to their environment through gradual changes that occur from generation to generation. Throughout the history of life, the human species has changed to become better suited to the environment. All of the changes have ultimately resulted from mutations, which occur at the gene level. Pathogens such as bacteria or viruses that live inside of our cells have had a major influence upon our evolution (Parks, Panelli Weinstein, 2003). Pathogens have affected our evolution in two major ways, which I will focus on: antibiotic resistance and virulence. Virulence has also changed in regards to ways of reproduction and establishing a higher rate of fitness. Other†¦show more content†¦On the other hand, if a mutation increases the chances for survival, then it will be selected and will continue to be passed on through generations. Pathogens as well as their hosts can have mutations that increase their fitness. Pathogens are also in the presence of selection pressures: temperature, pH, and medicines such as antibiotics (Fitch, Leiter, Li Palese, 1991) and will, therefore, also evolve. As the human species experiences illnesses, doctors will prescribe medicine, usually an antibiotic, which will kill many of the pathogenic bacteria. In regard to pathogens, if a virus is attacking the body, an antibiotic will destroy the bacteria and leave the virus alone. Viruses or bacteria that survive medication will develop resistance to that medicine (Parkes, Panelli Weinstein, 2003). As a resistance is developed, they can also reproduce and pass the resistance trait to their offspring, increasing the level of fitness. There has been documentation of evolution resistance in bacterial populations and within individual large-scale human populations. Experimentally, there have been studies where the use of antibiotics was lessened and so was resistance in bacteria (Bull Wichman, 2001). This shows the correlation that as antibiotics are being used, bacteria and viruses are able to withstand the effects of medicine and can develop a resistance toShow MoreRelatedExamination of Clinical Psychology1665 Words   |  7 Pagesbeen dated back as far as 2500 B.C. In those days, approaches to examining mental health included the supernatural, holistic, religious and medical perspectives. Greek physician Hippocrates, also known as the father of ancient medicine, played a considerable role in the development of psychology. Hippocrates developed the theory of humors, which states that four humors, or bodily fluids, are the key to good health. These fluids were black bile, yellow bile, phlegm, and blood (Plante, 2010). Too muchRead MoreStudying Diet, Immunization, and Infection of Our Ancestors674 Words   |  3 PagesEvolutionary Medicine at the University of Zurich. She studies how humans co-evolved with their environment, diets and disease by looking at the skeletal and mummified remains of ancient humans. In her Ted X Talk given in Long Beach, California in March 2012 she provided explanations for the difficulties researchers are faced with, the description of the new implementation of Warinner and her team and the results that were found, Warinner shares with others how the evolutionary history of health and humanRead MoreThe Evolution Of Health Care1184 Words   |  5 PagesWhat is quality in health care? We can divide it into three elements: 1. Care by practitioners and other providers which means receive correct diagnosis and an appropriate strategy of care from practitioners; and convenience, comfort, quite, privacy, food etc. from care providers. 2. Care Implemented by patient that means patient should take care not only for him or herself but also for his or her family. It is patient’s responsibility if he or she succeed or fail of getting health care. 3. Care receivedRead MoreSignificant Event/Impact on Health Care Organizations: Managed Care1265 Words   |  6 PagesEVENT/IMPACT ON HEALTH CARE ORGANIZATIONS: MANAGED CARE Significant Historical Event/Impact on Health Care Organizations: Managed Care Erich Hayman Monday, May 19, 2008 University of Phoenix HCS/530, Health Care Organizations Professor David A. Olsen, MHA Significant Historical Event/Impact on Health Care Organizations â€Å"By 1995, managed care plans had become the dominant form of health insurance and enrolled 73 percent of all Americans who were covered by employer-based health benefitsRead MoreAn Art Of Balance : The Role Of Holistic Medicine Essay1775 Words   |  8 PagesAn Art of Balance: The Role of Holistic Medicine in Modern Healthcare By: Alex C. Thau Bioethics 4242 12/3/16 Over the last 10,000 years, humans have evolved more than any other species that has ever set foot on planet Earth. As a population we have grown exponentially and made changes to our society that allow us to do things that have not been done before. In 1878, Thomas Edison recognized the ability of a bamboo filament that was connected to platina wires, to burn for significantRead MoreHuman Blueprint: Thoughts on Genetic Modification Essay examples734 Words   |  3 PagesHumans have strived for improvement in every facet of their lives, all the way from technology down to their diet. In this current day and age, humans are now capable of gene manipulation in their children, meaning mankind is taking a great step in familial modification. Yet even with our advancements in the medical field, we still fall to the ills of cancer, Alzheimer’s, or anything else on the laundry list of genetic disorders. With such opportunity to better improve our children, what mother orRead MoreWha t Is Good Medicine?1271 Words   |  6 PagesWhat is good medicine? Humans have been practicing medicine for over a million years. In order to understand how modern medicine gets to where is it today, it is very helpful to read about the history of medicine. According to the group parasites projects that we have done during the past semester, we studied different kinds of parasites and their influence on both patients and doctors aspects during different time periods. Through out the whole research, good medicines were found to have similarRead More A New Future: Gene Therapy Essay1434 Words   |  6 Pageswhere a person could change his or her genetic structure and redirect the future course of evolution in their child and themselves. Through gene therapy this is a very real possibility. In the future it could be just as easy to change your physical or mental health as it is to get flu shot now. But the affects of gene therapy are long lasting and could affect your future offspring as well as your own health. What is gene therapy? First discovered in the middle of the 1970s researchers wereRead MoreTechnology And The Growth And Expansion Of The Population And Society Essay1508 Words   |  7 Pageshave led to the development of different technologies. These technologies, have helped with the evolution of civilizations and have equipped people with a variety of tools to address problems that, until then, had no solution with the means available at that time. Since man appeared on earth there is technology. Technology is considered as a set of knowledge and applied techniques, which are used by human beings to try to transform the world, with the purpose of best suiting their needs. TechnologyRead MoreThe Pros And Cons Of Artificial Intelligence1245 Words   |  5 Pageskinds of functions that characterize human thought processes. The possibility of developing some such artifact has intrigued human beings since ancient times. With the growth of modern science, the search for AI has taken many directions: psychological and physiological research into the nature of human thought and cognitive processes, and the technological development of increasingly sophisticated computing systems that simulate various aspects of such human activities as reasoning, learning, and

Essay on Charles Dickens Great Expectations - 2265 Words

Charles Dickens Great Expectations Charles Dickens wrote Great Expectations in 1860-1861 when he was in London. It is set in the mid nineteenth century, in Kent, and London. The basic plot of Great Expectations is: Pip, a young orphan living with his sister and her husband in the marshes of Kent, sits in a cemetery one evening looking at his parents tombstones. Suddenly, an escaped convict springs up from behind a tombstone, grabs Pip, and orders him to bring him food and a file for his leg irons. Pip obeys, but the fearsome convict is soon captured anyway. The convict protects Pip by claiming to have stolen the items himself. One day his uncle takes him to Miss Havishams house to play. A few years later he is†¦show more content†¦The original ending had Pip and Estella meeting outside miss Havishams talking a while and then going there separate ways. Dickens based some of the book on his own experiences; apart from David Copperfield this story is the most autobiographical book he wrote. I will now compare the different circumstances of the two main characters two chapters: In chapter 1 we see Pip as a young boy visiting his parents graves. He is small and frightened by the convict. He is terrified by what the convict says will happen to him if he doesnt do what the convict wants. `You get me a file. He tilted me again. `And you get me wittles. He tilted me again. `You bring em both to me. He tilted me again. `Or Ill have your heart and liver out. He tilted me again. The convict has escaped from prison and is hiding in the graveyard where Pip is. He was dressed in all in coarse grey, with a great iron on his leg. A man with no hat, and with broken shoes, and with an old rag tied round his head. He was covered in mud and was soaked in water. A man who had been soaked in water, and smothered in mud, and lamed by stones, and cut by flints, and stung by nettles, and torn by briars; who limped, and shivered, and glared and growled; and whose teeth chattered in his head as he seized me by the chin. He was desperate for food and would do anything to get some. In chapter 39 we see Pip when he is 23 years old, living in London thanks to a secretShow MoreRelatedGreat Expectations By Charles Dickens1113 Words   |  5 Pagesadventures that the male characters go on. This seems to be relevant in a lot of movies and books like the story Great Expectations by Charles Dickens. In Great Expectations there are multiple female characters like Estella, Biddy, and Miss Havisham who all play a large part in the main character, Pip’s life. One of the first that we meet the character Estella in Charles Dickens’ Great Expectations is when Pip goes to Miss Havisham’s to play with her. 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Set in 1830 England, Great Expectations is a coming-of-age story about a common innocent boy named Pip and his road to becoming a gentleman through the influence of others. Pip is influenced both positively and negatively by Estella, Herbert, and Magwitch. Estella left a huge impression on PipRead MoreGreat Expectations by Charles Dickens984 Words   |  4 PagesCharles Dickens utilizes his life for inspiration for the protagonist Pip in his novel Great Expectations. They both struggle with their social standing. Dickens loved plays and theatre and therefore incorporated them into Pip’s life. Dickens died happy in the middle class and Pip died happy in the middle class. The connection Dickens makes with his life to Pip’s life is undeniable. If readers understand Dickens and his upbringing then readers can understand how and why he created Pip’s upbringingRead MoreCharles Dickens Great Expectations943 Words   |  4 Pages This is true in many cases but none as much as in Great Expectations. In many ways the narrator/protagonist Pip is Charles Dickens in body and mind. While there are many differences between the story and Charles Dickens life there remains one constant. This constant is the way Pip as the narra tor feels, because these feelings are Dickens s own feelings about the life he lead. Since Great Expectations was written towards end of Charles Dickens life, he was wiser and able to make out the mistakesRead MoreGreat Expectations By Charles Dickens1375 Words   |  6 PagesGreat Expectations by Charles Dickens and The Talented Mr Ripley by Anthony Minghella present similar criticisms of society to a large extent. Both of these texts consider the criticisms of rich social contexts (wealth and status), societal morality (whether a society is good or not. Status [can lead to the wrong people being in a high position i.e. making bad decisions affecting the community/society] Appearance [society appears to be moral/good (if you’re from a higher status) {dickens criticisesRead MoreCharles Dickens Great Expectations1223 Words   |  5 PagesBeloved author Charles Dickens was born on February 7, 1812 in Portsmouth, England. Growing up in a life of poverty, his childhood hardshi ps provided the inspiration to write a myriad of classic novels including his 1861 seminole masterpiece, Great Expectations (â€Å"BBC History - Charles Dickens†). Great Expectations follows the life of an orphan named Pip, who’s perspective of the world is altered when he is attacked by an escaped convict in his parents’ graveyard in the town of Kent. Throughout hisRead MoreCharles Dickens Great Expectations1344 Words   |  6 Pagessomething that is not what they truly need? Often, they use social class to fill a void in their lives that can not be filled by materialistic possessions. Many people realize this, but it is often too late. Charles Dickens demonstrates the effects of social climbing in his novel, Great Expectations. This novel explores the connections and effects of human nature and society, which are the two most powerful forces that guide people’s decisions. Some may say that social climbing is good, but as will beRead MoreGreat Expectat ions by Charles Dickens1285 Words   |  6 PagesAP Great Book Assignment: Great Expectations The 544-page, Bildungsroman novel, Great Expectations, by Charles Dickens is considered a classic because it has stood the test of time, appealing to generation after generation of readers while still remaining relevant to them. Published in 1861, Dickens created a coming-of-age story that is similar to his other novel, David Copperfield, but Great Expectations is considered to have reflected parts of his own life. 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Changes That Have Occurred To The National Curriculum Education Essay Free Essays

string(196) " National Literacy Strategy to all Primary Schools in England from September 1998 after puting marks for students at Key Stage 2 in English \( 80 % \) , Mathematics \( 75 \) , but non in Science\." ‘Since the debut of the National Curriculum in 1992, a figure of alterations have been made to its construction and execution. Identify and explicate these alterations and measure the part of the National Curriculum in the attempt to raise criterions in Education ‘ . By Keith Lyons This essay will depict, place and explicate the alterations that have occurred to the ‘National Curriculum ‘ ( NC ) since its construct in 1992. We will write a custom essay sample on Changes That Have Occurred To The National Curriculum Education Essay or any similar topic only for you Order Now It will besides measure these alterations and measure the benefits and troubles that it has experienced since 1992. The ‘Education Reform Act ‘ ( ERA ) came into consequence in 1988, this enabled Kenneth Baker the Conservative Minister of Education to implement the roll-out of the National Curriculum in 1992 within primary / secondary instruction. However, prior to 1992 there had been no National Curriculum and antecedently instructors had worked out their ain strategies of work that they deemed appropriate for their students. As a consequence of this the criterion of instruction across the state varied well and the methods employed to learn were wide-ranging. With the execution of the National Curriculum in 1992, duty was shifted off from instructors to centralized authorities over what was to be taught. The National Curriculum established a ‘set-framework ‘ of larning to enable kids to travel freely between schools as they would be larning from the same model. The National Curriculum ensured that schools taught a certain scope of topics, this consisted of 10 topics. The topics were divided into two sub-categories ( nucleus and foundation ) . The three chief nucleus topics were English, Maths and Science, and together with seven other foundation topics ( Art, Home Economics. Music, History, a Modern Foreign Language ( merely compulsory in secondary schools ) , Geography and Physical Education created the foundation of the National Curriculum. Compulsory National trials ( SATS ) were introduced at 7, 11 and 14 on nucleus topics. The consequences are published yearly in conference tabular arraies ( along with GCSE/A degrees and hooky statistics ) . Changes occurred to the National Curriculum from its origin. Rather than being embraced the National Curriculum was met with ill will from some instructors and most of the larger instructors brotherhoods. One of the chief unfavorable judgments of the National Curriculum by instructors and learning brotherhoods was that at first glimpse that it contained far excessively many topics and was considered to be excessively stiff, compared to what was antecedently taught. This meant that it was hard to learn the topic good as the pupils had to larn so many topics, and they presumed that it would be really hard for pupils. The National Curriculum was besides criticized for being highly ‘Eurocentric ‘ , as it was chiefly focused around European civilization, giving those from cultural backgrounds really small chance to larn about their roots. Certain subdivisions of the populace besides argued that the authorities deliberately fashioned the National Curriculum to take topics which they as a political party are against for political grounds, such as sociology, political relations, and environmental scientific disciplines ( they were ne’er contained in the National Curriculum ) . However, a benefit to the National Curriculum was that instructors now had to educate pupils in a scope of topics. This gave kids / pupils a better start for the accomplishments they would necessitate for subsequently in life. It was besides disputed that the national Curriculum helped to cut down the division of misss and boys topics, as both sexes were taught the same topics. This helped to cut down the stereotyping of gender. In 1993, instructors decided to boycott the national course of study proving agreements ( SATS ) after kicking about the work load. The Secretary of State for Education, in a move in the right way asked Sir Ron Dearing, who was the current Chairman of the School Curriculum and Assessment AuthorityHYPERLINK â€Å" hypertext transfer protocol: //www.bookrags.com/tandf/school-curriculum-and-assessment-tf # p2000a9f68830215001 † ( SCAA ) , to reexamine the national course of study. Dearing made an Interim Report in 1993 and a Final Report in 1994 ( The Dearing Report ) after a period of audience with instructors and the instructors brotherhoods. In his study his recommended on slimming down the course of study, and bettering its disposal. He besides recommended that the slimmed down national course of study should non be altered for five old ages and that national trials should be simplified without giving cogency or dependability. The revised course of study was implemented from August 1995. The 1992, Ofsted ( The Office for Standards in Education ) formed as portion of the major inspection and repair and centralization of the school system begun by the Education Reform Act 1988, which introduced the National Curriculum, extended testing in schools and the publication of conference tabular arraies. Ofsted reviews were carried out on school every 6 old ages. This alteration was introduced as it was believed criterions needed to be raised in schools. Many people thought Ofsted reviews were a good thought, if schools were neglecting, it was noticed and steps were put in topographic point in order to better these schools. However, Ofsted were besides frequently seen to be excessively rigorous on schools, doing it hard for schools to go through review extremely. Besides, it was felt that many instructors and schools would better their instruction criterions while they were being inspected. Some schools would besides direct some of their worst behaved pupils on school trips for the reviews. This defeated the object of Ofsted reviews as it was n’t the normal instruction criterions that were being tested. Recent reviews by Ofsted have revealed that although a good proportion of schools had improved since they were last checkered many were calming weakness. Figures released by Ofsted in 2009 show that 11 % of schools checked since last September were rated outstanding, while 9 % were non up to rub. [ Angela Harrison, BBC ] In the twelvemonth 2006-07, 14 % of those checked were outstanding and 6 % were â€Å" unequal † . [ Angela Harrison, BBC ] In 1997, the incoming ‘The New Labour Government ‘ came into power in the UK. They Introduced the National Literacy Strategy to all Primary Schools in England from September 1998 after puting marks for students at Key Stage 2 in English ( 80 % ) , Mathematics ( 75 ) , but non in Science. You read "Changes That Have Occurred To The National Curriculum Education Essay" in category "Essay examples" Previously a pilot undertaking had been tested during 1996, which involved schools in 14 Local Education Authorities. The scheme was planned for instructors to learn a day-to-day Literacy Hour, which followed a form of 30 proceedingss whole category instruction, so group work and reasoning with a plenary session. A figure of paperss have been published by the Department for Education and Employment ( DfEE ) to assist instructors raise criterions in literacy at the clip. The National Literacy Strategy model endeavoured to better criterions for all primary aged students. The scheme ‘s intent was to do certain that all students were having on a day-to-day footing dedicated one hr of literacy. The terminal consequence would give pupils the chance to develop accomplishments in reading, grammar, spelling, and unwritten work and assist raise criterions in instruction and acquisition. In the undermentioned twelvemonth of September 1999 The National Numeracy Strategy model was introduced and like the literacy scheme, aimed at raising criterions for all primary students. Similar to the National Literacy Strategy it prescribed a one hr day-to-day mathematics lesson for all students. The Five Year Review in 2000 set out the chief purposes and intents of the National Curriculum for the first clip. The four chief intents of the National Curriculum are: To set up an entitlement. To set up criterions. To advance continuity and coherency. To advance public apprehension. The National Curriculum has been put into topographic point in the hope that kids will accomplish and will hold an entitlement to larning irrespective of their background, be it race, gender, cultural or otherwise.A It besides makes outlooks for kids ‘s attainment explicit for all concerned and sets out national criterions for performance.A These criterions can so be used for mark scene, mensurating advancement and monitoring patterned advance. The Foundation Stage was introduced by the Labour authorities in 2000, to supply counsel for scenes which provide attention and instruction to pre-school kids ( aged 3 to 5 ) . It was named the Foundation Stage because â€Å" †¦ it lays the foundations for kids ‘s subsequently larning. † [ Neaum and Tallack, 2002 ] . It evolved from the Rumbold Report of 1990, which investigated the educational proviso for the under 5 ‘s, and found that there was a patchy, unplanned course of study which was unsatisfactory. In 2004 a reappraisal was carried out of Key Stage 4, from this reappraisal the debut of ‘Entitlement topics ‘ . The Curriculum Entitlement Framework provides students with entree to a wider scope of larning chances suited to their demands, aptitudes and involvements, irrespective of where they live or the school they attend. In 2007 the authorities abolished formal written Key Stage 1 SATS and replaced them with instructor recorded appraisals. The Key Stage 1 appraisals are really low key and completed by the student ‘s instructor over a period of a few hebdomads so they will be barely cognizant that an appraisal is taking topographic point. In 2008 a reappraisal of Secondary National Curriculum resulted in new Key Stage 3 and 4 Curriculum which was introduced in 2009. This updated portion of the course of study now offers Diplomas and other options to current GCSE and A-level scrutinies. In 2009 the so current Labour authorities announces that Key Stage 3 Sats scrutinies are to be abolished and that Sir Jim Rose will be carry oning a full reappraisal of the Primary National Curriculum. The findings of the study will be implemented from September 2011. In May 2010 a general election was held and ‘New Conservative ‘ / Liberal Democrat authorities came to power under David Cameron and Nick Clegg. The hereafter changes to the new primary national course of study which were put frontward by Sir Jim Rose to be implemented from September 2011 have been shelved, the authorities saying that it does non mean to continue with the new primary course of study. Alternatively they are committed to giving schools more freedom from unneeded prescription and bureaucratism. They have ever made clear their purpose to do alterations to the National Curriculum that will guarantee ‘a grim focal point on the rudimentss and give instructors more flexibleness than the proposed new primary course of study offered. The National Curriculum has undergone considerable alteration and development over the past 20 old ages and is still being altered and adjusted at the present twenty-four hours. Controversy still exists as to the attack instruction should follow for those over the age of 14 testing is thought to be to a great extent based on callback of cognition promoting a deficiency of accomplishment development activities. Many of the original topics that were compulsory no longer are, as it was felt the course of study was excessively full. In my sentiment, since the debut of the National Curriculum, I believe that it was the anchor to greatly bettering the criterions of instruction that kids receive in today ‘s society. This is because before the criterion of instruction pupils received was extremely based on category position and was typically biased towards the in-between / upper category households, another factor was your vicinity in the state. Teachers besides taught a scope of topics that they wished to learn as there were no set subjects so what you could be taught varied across the state. This led to many pupils go forthing school with limited cognition. With the debut of the Literacy and Numeracy hours Sats consequences have increased once more of the subsequent old ages but once more now have slowed to a arrest. As seen in the tabular array below. But on the impudent side holding felt that on the whole the National Curriculum is effectual it is besides slightly flawed. Children are ‘taught to the trial ‘ at a hurt to other topics, and so they are losing out on a wide and balanced course of study. Schools and learning staff will besides acknowledge that they are being forced to â€Å" learn to the trial † ; cutting out topics such as history, geographics and art to blow up their place on national conference tabular arraies or else expression as if they are neglecting. The national trials besides distort kids ‘s instruction as they are being offered a restricted timetable as instructors are forced to concentrate on the nucleus topics. In a figure of schools an accent on trials in English, Mathematics and Science limits the scope of work in these topics in peculiar twelvemonth groups, every bit good as more loosely across the course of study in some primary schools. Having said this, the positive points outweighed the negative greatly as it was the start towards the National Curriculum that we presently have today. How to cite Changes That Have Occurred To The National Curriculum Education Essay, Essay examples

Therapists Role in Gastric Bypass Procedure free essay sample

The purpose of this paper is to determine the role of the psychologist when evaluating a patient seeking a gastric bypass procedure. To this date there is no standard avenue given to those conducting the interview. Due to the limited knowledge of long term success post-surgery a guideline is given for psychologists to follow. Continued research is needed to determine what may be needed in the interview that is not being addressed at this time. A Therapists Role in A Pre-Surgical Interview for a Gastric Bypass Procedure A huge problem in the United States for the average individual is obesity. While traditional weight loss programs are failing and more extreme methods are being used, psychologists are being called upon to determine if individuals are mentally fit to have a procedure called Bariatric surgery (ie, gastric bypass). This procedure is used for populations of people whom are extremely obese. Therefore extremely obese patients are turning to this unconventional method to lose weight. We will write a custom essay sample on Therapists Role in Gastric Bypass Procedure or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Unlike traditional weight lose methods whose risks are low, gastric bypass procedures have high health risks involved. In order for this surgery to be successful patients need to reframe their thinking after surgery to continue to maintain the weight that is lost due to the procedure. There have been no clear assessment tools psychologists’ use for pre-op assessment but many psychologists are using a standard assessment to determine if the individual is a candidate for bar iatric surgery. Even though a patient may not want to undergo a psychological evaluation it is a necessary criterion in order to undergo this extreme weight loss procedure. The information a psychologist collects in the pre-op procedure is why they are seeking surgery, diet and weight history, what are their habits currently in regard to eating, educating patient that future lifestyle changes associated with behavior modification therapy, history and current social supports, and any psychiatric symptoms (current and past) (Snyder 2009). The psychologist’s 3 responsibilities during the assessment is to collect a history about the patient, act as an educator providing information to patient about the psychological aspect of the surgery, and the therapist motivating the patient to seek post surgical behavior modification treatment while helping the client deal with emotions that may come up during the evaluation (Snyder 2009). The psychologist’s initial question is the patient’s reason for surgery and what are they hoping to accomplish. The therapist therefore will determine the clients expectations to assess if the client has unrealistic expectations centered around the surgery results (ie. motivation due to only changing physical appearance). The results may suggest the patient may not be a candidate for surgery. Researchers have learned the motivation for surgery should be strictly for health reasons (Bauchowitz, A. , 2007). Patients that have unrealistic expectations regarding weight loss are prone to issues of depression when the surgery and outcome is not what they expected. The second area assessed is a review of the patients eating habits past and current. Researchers found that clients learned messages from family that were contributing factors to weight gain (ie. eat everything on your plate) (Gibbons, L. M. , et al. , 2006). Psychologists’ also determine if a client has had past failures with diets and if not the client is encouraged to try dieting before seeking surgery. The philosophy behind this way of thinking is due to getting used a healthy lifestyle with food intake. The role of the psychologist here is to educate the patient with what will be needed in the future to maintain their ideal weight. They are warned going back to old behaviors with eating behaviors and habits could result in gaining all their weight back. Also, psychologists help the patient if they are dealing with shame for failed diet attempts in the past. Another area of assessment is determining the patient’s current eating behavior. It is important for the therapist to determine the motivation for behavior modification and also seek out eating disordered clients. The patient is also questioned about their plan for exercise post surgery. The biggest finding about non-compliance among failures with post treatment was the lack of motivation for exercise (Snyder 2009). Psychologists also determine if a client is bulimic due to the dangers of a bulimic client can have with gastric bypass procedures. Psychologists at this point educate the patient on the importance of exercise for long term benefits of surgery (Snyder 2009). The psychologist also educates the patient to help them to understand what they are agreeing to when seeking gastric bypass. The therapist also should point out the consequences of going back to the past ifestyle with eating behavior (Snyder 2009). Another area of importance is the social network of family and friends the patient has when having surgery. The social network can make or break a patient’s success or failure. Therefore, it is important for the psychologist to understand the patient’s social network in the past and present. Negative consequences of the surgery (ie. affair) ca n lead to jealousy of the spouse and present sabotaging behavior of the spouse. Therefore it is important for a psychologist to address issues that could present themselves if applicable (Snyder 2009). One of the primary reasons an interview is conducted pre-surgery is to determine if there are any psychiatric disorders that might interfere with success of surgery. Symptoms of anxiety, depression, psychosis, mania, suicidal ideation, substance abuse, history of abuse, family history of mental disorders, and any treatment regarding mental health issues are assessed. An examination called a Mini-Mental Status is given to the patient to determine any psychiatric complications that can present themselves (Fabricatore, Crerand, Wadden , et al. 2006). The MMPI-2 is a psychological test given to pre-surgical candidates for a gastric bypass. This is a way to validate that the psychologist’s assessment interview are the same as compared to the MMPI-2. The psychologist should instruct the client to answer all questions honestly so the test results will be accurate. If the clients’ results show defensiveness with the test results the test may have to be taken again (Walfish, S. , 2007). The Millon Behavior Medicine Diagnostic allows for norms within the population that have undergone surgery. These two tests have been selected for psychologists to use even though there are other tests available. In conclusion, it is important for patients to be assessed before having surgery. The psychologist role is to understand the readiness of a patient and how emotional issues can challenge long term success. The psychologist’s role also is to educate the client on all possible issues that they may face post surgical. Overall, this demonstrates how important a pre-surgical evaluation is needed to increase success for the patient short and long term.

Whether vs. If

Whether vs. If Whether vs. If Whether vs. If By Maeve Maddox A reader writes: A colleague at work says the following sentence is incorrect: â€Å"Promotion depends on if the employee maintains a good attendance record.† I don’t see anything wrong with it. Is she just being disagreeable? I can’t say whether the colleague is being disagreeable or not, but I can say why she objects to the sentence. The conjunctions if and whether are often used interchangeably. Sometimes such usage can pass, but sometimes whether is the only choice. One rule often cited is that if does not follow a preposition. Corrected, the sentence is â€Å"Promotion depends on whether the employee maintains a good attendance record.† Seeking to avoid confusion, Sir Ernest Gowers added this entry to the 1963 edition of Fowler’s Modern English Usage: To avoid possible ambiguity it may be prudent to confine if to its proper duty of introducing the protasis of a conditional sentence, and not to use it as a substitute for though or whether or (with not) to introduce a possible alternative. Note: In the context of grammar, protasis is â€Å"the first or introductory clause in a sentence, especially the clause which expresses the condition in a conditional sentence.† The Chicago Manual of Style spells out two instances in which if should not be used in lieu of whether: 1. to introduce a noun clause in an indirect question the answer to which is either yes or no. INCORRECT: He asked if his tie was straight. CORRECT: He asked whether his tie was straight. The only possible answer is yes or no. 2. to avoid ambiguity. INCORRECT: Call me to let me know if you can come. CORRECT: Call me to let me know whether you can come. With if, two interpretations are possible: 1. Call regardless of your answer. 2. Call only if you will be coming. By using whether, the speaker makes it clear that a call is desired, regardless of whether the person is coming or not. Chicago includes three other notes on the if/whether dichotomy in the â€Å"Good usage versus common usage† section: determine whether; determine if. The first phrasing is irreproachable style; the second is acceptable as a colloquialism. The same is true of decide whether versus decide if. doubt that; doubt whether; doubt if. Doubt that conveys a negative sense of skepticism or questioning: â€Å"I doubt that you’ll ever get your money back.† Doubt whether also conveys a sense of skepticism â€Å"The official says that he doubts whether the company could survive.† Doubt if is a casual phrasing for doubt that. question whether; question of whether; question as to whether. The first phrasing is the best, the second is next best, and the third is to be avoided. Paul Brians (Common Errors in English Usage) acknowledges that if â€Å"can’t really be called an error,† but adds, â€Å"when you are discussing two alternative possibilities, whether sounds more polished.† A note by David Foster Wallace in the Oxford American Writer’s Thesaurus offers â€Å"a simple test†: If you can coherently insert an â€Å"or not† after either the conjunction or the clause it introduces, you need whether. He gives these examples: He didn’t know whether [or not] it would rain. YES She asked me straight out whether I was a fetishist [or not]. YES We told him to call if [or not] he needed a ride. NO If is used to express a conditional. Whether is used to introduce alternative possibilities. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Grammar category, check our popular posts, or choose a related post below:30 Synonyms for â€Å"Meeting†Rules for Capitalization in Titles30 Words Invented by Shakespeare

How Do You Become a Pharmacy Technician

How Do You Become a Pharmacy Technician a pharmacy technician is responsible for assisting the pharmacist on duty to help patients or customers and fill prescriptions. you’ll need a keen eye for detail, a great deal of patience, and training that covers basic pharmacology, medication dispensing, and an understanding of pharmacy law and ethics. education and trainingyou will need a high school diploma or a ged equivalent to qualify for on-the-job training- many aspiring pharm techs find getting such  training is easier after post-secondary training at an online certification program or vocational school, community college, or technical institute. it may take anywhere from 3 months to a year.vocational school and community college coursework will emphasize commonly used mathematics, chemistry, and medication orientations to familiarize aspiring pharm techs with names, side effects, interactions, and dispensing protocols. some training programs even offer internships for hands-on experience, a great way to get to kno w a pharmacy before committing to the 6 year process of becoming a pharmacist.certificationsthe pharmacy technician certification board (ptcb) requires you to have a diploma and pass a certification exam. the national healthcareer association (nha) requires you to be 18 years old and have a high school diploma, a formal training program, and a year of work under your belt.you’ll be required to re-certify every 2 years because of the rate of change in healthcare policies and advances in the field. pursuing 20 hours of continuing education will keep you up-to-date. many pharm techs report that this process of staying current (along with the patience of keeping up with a busy pharmacy) are the most challenging parts of the job.employersmost pharm techs are found in hospitals, retail pharmacies, assisted living and education institutions, and veterinary offices. the bureau of labor statistics predicts employment growth of about 20 percent for the field through  2022- faster tha n the average growth rate for all occupations. those stats amounts to  70,700 new positions to be filled during that period.here are some of the biggest current employers in the field:salarythe average salary is $38,600 nationally, with rates increasing with seniority, specialty certifications, and competitive institutional pay scale policies. the metropolitan areas that offer the highest compensation are all located in california, including the metropolitan areas of oakland, napa, san francisco, san jose, and madera.sample job postingpharmacy technician,   orlando, flunder the direct supervision of the pharmacy services call center supervisor, the pharmacy call center technician is responsible for providing knowledgeable and courteous customer assistance and response to members, providers, and pharmacy call center technician inquiries.position qualifications/requirementseducation and training:  high school diploma or the equivalentexperience:  2 years pharmacy technician ex perience in a healthcare, long term care or retail environment; minimum 35 wpm typingrequired experience:  pharmacy tech, high school, national pharmacy technician certification: 3 yearslicenses, registrations or certifications:  national pharmacy technician certificationprincipal accountabilitieshandles calls and correspondence regarding pharmacy issues from providers/physicians and members. documents calls in inquiry tracking system. facilitates problem resolution and acts as customer advocate.performs initial research of pharmacy issues. reconciles plan information utilizing department-generated procedures and reference materials. utilizes internal pharmacy systems to update, modify and extract member information.assists network pharmacist in processing prescription claims. reviews claims for accuracy and adherence to contract guidelines maintained.assists with entering prior authorizations when required; provides follow up assistance for prior authorization requests, follows up with requests from physicians for denial letters, provides assistance in gathering historical claim information as required.discriminates between routine and significant matters; apprises management of issues which can negatively affect service and business. identifies provider/physician/member issues and refers to appropriate departments.maintains a balance of productivity, quality, and timeliness of job accountabilities.demonstrates flexibility and cooperation when faced with changing priorities to meet shifting needs.creates and supports an environment which fosters teamwork, cooperation, respect, and diversity.assists with training of new hires. attends required training as requested. develops and maintains desktop procedures.apply here: pharmacy technician