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4 Options To Refinance Your Parent PLUS Loans

HomeFinanceFinancial aid4 Options To Refinance Your Parent PLUS LoansThis page may contain affiliate links.Feb 1, 2019Many parents feel the need to help their children pay for college. However, with the high cost of college, its not uncommon for parents to consider PLUS loans to cover their childrens costs. However helpful parent PLUS loans can be, though, repaying them can be costly. The current rate for PLUS loans is 7.6%, up from the 7% rate for loans disbursed between July 1, 2017, and June 30, 2018. When it comes time to repay the debt, it can be frustrating to deal with those rates — especially if you can get a better rate with parent PLUS loan refinancing. So if  youre asking yourself should I refinance my parent PLUS loan, the answer is to at least understand your options, do some research, and compare interest rates. If youre looking for a way to get a lower rate, or if you just need a lower payment, refinancing can be one way to go. Here are four ways to refinance your parent PLUS loans. 1. Refinance the Parent Plus Loan into Your Name When you refinance a loan, you borrow to pay off the old debt. Your new loan should have terms that you prefer, such as a lower interest rate or a longer repayment term (or both). With a lower interest rate, youre likely to pay less money on your debt over time. Interest savings can be hundreds of dollars. And, if you keep the same loan term, you might see a smaller monthly payment because of the lower interest rate, improving your cash flow. In some cases, its less about a lower rate and more about reducing monthly payments with the help of a longer term. If you dont end up with a lower rate, you could actually pay more in interest over the life of your loan, but youll have better monthly finances. Can I refinance my parent PLUS loans? Whether parent plus loan refinancing is successful for you depends mostly on your credit situation. In order to get the best terms, you need good credit. In fact, some lenders wont consider you for parent PLUS refinancing without a good credit score and adequate income. Keep in mind that when you got your parent PLUS loan from the federal government, the credit check was limited to major negative events, like missed payments or default on your own student loans. When you refinance these loans, youre getting a private loan, and the underwriting standards are tougher. Before you try to refinance PLUS loans, double-check your credit. 2. Refinance Parent PLUS Loan into Students Name When you get your parent PLUS loan, its  your debt, even if you take it out in order to help your child or grandchild with their education. In order to get around this, you can have your student take over the loan through refinancing. If you go this route, the student will have to be approved to refinance your debt. Since the debt was taken out as a benefit to them, some lenders are willing to have the student take it on. Can I transfer a parent PLUS loan to a student? However, if you refinance a parent PLUS loan to your child, realize that they will have to meet the credit requirements set for by the lender. That might mean you will have to cosign on the loan in order for them to get it. While the student then becomes mainly responsible for the debt, if they start missing payments, you are required to step in. The reality is that you cant just put the students name on the PLUS loan and have them take over payments. Lenders require them to actually qualify for a loan. However, if you can have the debt put in their name, even if you have to cosign to help them qualify to refinance the parent PLUS loan, at least it transfers some of the responsibility to them. What about having a student paying parent PLUS loan? If you cant get the  company to refinance a parent PLUS loan into the students name, you can work with your child to see if they will make payments. They can send the payments to the lender each month instead of you, or they can send you payments that you can then put toward the parent PLUS debt. However, realize that in this arrangement, the child isnt legally bound to pay the debt. Its your debt, no matter who benefitted, so youre expected to see the obligation met. Even if your student pays for a little while, understand that life circumstances could mean changes, and the student might stop making payments. 3. Use a Home Equity Loan Another way to pay off your parent PLUS loans is to refinance using a home equity loan. If you have enough equity in your house, you could get a loan and then pay off the PLUS loan. In many cases, because a home equity loan represents secured debt, you can get a lower interest rate. You might be able to save money and lower your payments each month. Depending on your credit, you might be able to get better terms with a home equity loan than you would from using a private parent PLUS refinancing company. Risk of using a home equity loan for parent PLUS loan refinancing The downside to using a home equity loan is the fact that you could lose your home if you dont make payments. With a parent PLUS loan, there are credit consequences, and non-payment could mean wage garnishment or tax refund garnishment. However, you dont have to worry about losing your home. Parent PLUS loans are unsecured debt, while a home equity loan is a secured debt. Its important to be very careful and understand the risks before you use secured debt to pay off an unsecured loan. 4. Federal Direct Parent PLUS Consolidation If you meet the requirements, you can actually consolidate your parent PLUS loans using the Income-Contingent Repayment (ICR) plan, which is the only income-driven plan compatible with PLUS loans. Using federal consolidation isnt true refinancing. You arent going to get a lower interest rate, and you arent using a new loan to pay off current debt. However, with ICR you can get a lower monthly payment. If youre hoping for more affordable monthly payments and better cash flow, and a lower rate isnt as important for you, this can be a decent choice. With ICR, your payments are capped at 20% of your discretionary income or the amount of your payments on a 12-year plan, whichever is lower. Plus, you get a loan term extension to 25 years. If youre struggling and parent PLUS loan refinancing isnt a viable option, this could at least help you afford your monthly obligation. Can a parent PLUS loan be forgiven? One of the perks of choosing ICR for your parent PLUS loans is that you then become eligible for Public Service Loan Forgiveness (PSLF). You have to meet the requirements of PSLF, though. So, you need to make 120 qualifying payments while working for a non-profit or government organization. If you know youll be working at a qualifying job for 10 years, getting on ICR so you can use PSLF later can be one way to keep your payments manageable and then have your parent PLUS debt forgiven later. Which Lenders Offer Parent PLUS Loan Refinancing? There are some lenders that specialize in refinancing parent PLUS loans. Some will refinance your loan for you, while others will refinance the parent PLUS loan into a students name. Carefully consider your needs before you move forward. Lenders that refinance parent PLUS to child These lenders will refinance your parent PLUS debt in your own name, but they also offer the option for your child to take over the loan — as long as the child qualifies. SoFi CommonBond Laurel Road* PenFed (done with Purefy)* Education Loan Finance* Check to see if there are special protections, such as hardship programs, offered by these lenders before proceeding. Although, if your main concern is to get the parent PLUS loan transferred to the student, it might not be a priority for you. Lenders that refinance parent PLUS loans only to the parents name Maybe you arent concerned whether your parent PLUS loans are refinanced to your students name and you just want lower rates. You can compare the previous lenders rates for regular parent PLUS loan refinancing with the following lenders: Discover Student Loans CommonBond Earnest* Citizens One* Compare rates to get the best deal, and make sure you know what youre getting into before you proceed. *You can compare refinancing rates from several lenders with Credible. We recommend you check Credible for prequalified rates for these lenders and then research other lenders, not on Credibles platform to see your full spectrum of options.   Parent PLUS Loan Refinancing: Bottom Line As you consider your upcoming life milestones and financial needs, parent PLUS refinancing can be a big part of making sure youre able to accomplish what youd like to, especially if you want to retire soon or already live on a fixed income. In an ideal world, your student would be able to take over the payments and youd be able to find a lender willing to effect the transfer. However, not all grads are able to take on parent PLUS payments in addition to their own student loan debt payments. So, even if youd hoped your child would take over, you might be on the hook in the end. Its a good idea to prepare for that possibility. With refinancing, you can get the payments to a manageable level, as well as potentially save money in the long run with lower interests rates. Consider your needs. If you have good credit and a regular income, you might not need federal loan protections and PSLF. If thats the case, refinancing can help you move forward. On the other hand, if you work for the government or for a nonprofit organization, you might be able to use the ICR workaround to better afford your payments while working toward forgiveness. Be practical about your finances going forward. Weigh your options and choose what is likely to provide you with the best long-term outcome.

Customer Service The Key to a Prosperous Business

When it comes to providing customer service, customers want quality, assurance and their demands met. Companies have a commitment to give good customer service. GE (General Electric) is ranked one of best companies that provide excellent customer service. Their commitment, training and quality to the customers for decades is how they gotten to the top. Meanwhile, AOL is ranked as one of the worst companies that provide poor customer service. There rude deposition, unethical guidelines and disgraceful quality is why they are going out of business. GE’s motto, â€Å"We bring good things to life† is definitely working for this company by gaining new customers, keeping old customers and increasing profits. Their great customer service†¦show more content†¦These key elements and putting customers first is why GE is the best company for providing customer service. This has not been AOL’s strategy or how they give customer service. AOL, American Online, one of the worst companies for customer service, has not followed in the footsteps of many by having key elements of quality for their consumers. In the past, this company was on top with â€Å"over 30 million customers† from their dial up services with the internet (Karen Aho, 1). During the past years they have seen a dramatic decrease in profits and a drop of â€Å"9.3 million paying customers†Ã¢â‚¬â€a huge decrease (Aho, 1). Why the downfall of a profitable and every growing company? The answer is simple. Due to the recession, AOL started to cut costs in the wrong areas—one of them customer service. The main goal by AOL was to â€Å"maximize the shareholders profit and leave the customers last† (RPA, 1). Their training was far from the Six Sigma management training process and a good way to describe it was poor and inexcusable. At AOL, they have poor call centers, where there is a long automated voice system before you reach a human. The employees are coached to hang up on customers that are irate. The customer service representatives also ask the consumers not to tape their conservations or they will hang up on them if they don’tShow MoreRelatedGeographic Trade Are The Location Of Our Business Essay1254 Words   |  6 PagesGeographic trade area The location of our business is in the city of Morgantown, WV. This city has emerged into a diversified business center with research and high tech industries and a strong employment base. The downtown area is interesting, well preserved and with cultural amenities. Morgantown is located at the intersection of interstate 79 and interstate 68, giving visitors and businesses easy access the city. ïÆ'Ëœ Size of our market in terms of potential customers (is it growing, stable, or decliningRead MoreSwot Analysis for Gas Station742 Words   |  3 PagesAnalysis depicts our key strengths and weaknesses for our new project. It will describe the opportunities and threats that our potential full service gas station will possibly face. External Opportunities and Threats In this portion of our analysis, we will use our opportunities to overcome our threats. Of course, every business will have threats that they will need to prevail over. This is why we strongly believe that our marketing plan will certainly be prosperous. We will first lookRead MoreMarketing Analysis : Sales Promotions951 Words   |  4 Pagesa specific company, markets must come up with a successful sales force structure that will allowing their business to maintain long-term relationships with customers as well as increase their sales to different companies to attract more customers. There are many different types of companies that are working to expand their sales and reach a larger amount of customers every day in the business world. Therefore, these companies must come up with an effective sales force structure as well as an effectiveRead MoreTesco1411 Words   |  6 Pagesdescribe the contribution of the key business functions to the changes implemented in the organization. ( Finance, Marketing, Operations, and Human Resources). Also, it will explain the key stakeholders of the organization and the key issues in managing stakeholders. Furthermore, it will include a SWOT analysis and a Power and Interest Matrix about Tesco. Business functions In the case study of Tesco, it is stated that they will appoint more staff to win their customers back. This step is related toRead Morep2 describe the different stakeholders who influence the purpose of two contrasting businesses1028 Words   |  5 Pagesis anyone with an interest in a business. Stakeholders are individuals, groups or organisations that are affected by the activity of the business. There are two different types of stakeholders; internal and external. 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Essay on Geography of Russia - 2147 Words

Russian geography - Regions of Russia Russia is a country about 1.8 times the size of the US occupying the vast area between Europe and the North Pacific Ocean. It has an area of 10, 672,000 sq. miles (17,075,200 sq.km) and a population of almost 150 million people. Occupying a large territory in Europe and Asia Russia is spread over all climatic zones except tropical. It takes over 8 hours by plane to reach from Moscow to Vladivostok on the Pacific coast. West of the Ural mountains from the Black Sea in the South to the Arctic Ocean lies a broad plain with low hills where the historical core of the Russian nation is located. East of the Urals from the border with Kazakhstan, China and Mongolia to the Arctic coast lies Siberia - a†¦show more content†¦Various mountain ranges making up the northern slope of the Greater Caucasian mountain range are located in southern Russia. Another mountain chain, including the Altai range, is to be found in southern Siberia. The Kamchatka mountains (including some active volcanoes) stretch along the Pacific coast. Russia abounds in mineral resources whose total potential value (in world prices) is estimated at an impressive $30 trillion. Russia produces 17 per cent of the worlds crude oil, as well as 25-30 per cent of its natural gas, 6 per cent of all bituminous coal, 17 per cent of commercial iron ore and 10-20 per cent of all non-ferrous, rare and noble metals mined across the globe. The largest oil-and-gas deposits are to be found in Western and Eastern Siberia and on Sakhalin Island. The list of Russian mineral deposits includes gold, silver, platinum, cobalt, antimony, zinc, mercury, and many others. Russian mineral resources are distributed rather evenly along the nations territory. For instance, copper-and-nickel ores are mined in the Northern Caucasus, the Urals, Siberia and the Kola Peninsula. Most of Russias territory is located in the temperate belt. The Arctic Oceans islands, as well as this countrys Arctic territories, are located in the Arctic and sub-Arctic belts. At the same time, a small section of the Caucasus Black Sea coast is located in the sub-tropical belt. Russia boasts just about everyShow MoreRelatedThe Geography Of Russia1842 Words   |  8 PagesRussia is a land of many mysteries and a country of many wars. It has been torn apart by harsh climates and a devastated economy. Living for centuries in tough climates explains the Russian strength and ability to take endured hardship. It also explains the way they conduct and carry themselves throughout time. Geographic Area The oceans that border Russia include the Arctic, Pacific and Atlantic Ocean. The Countries that border Russia include Finland, Poland, Ukraine, Kazakhstan, Estonia, MongoliaRead More Geography Of Russia Essay717 Words   |  3 Pages Russia is a huge landmass and covers a vast amount of the earth’s surface area. 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Understanding a nation’s culture gives great insight into the motives and reasoning behind their aggression or acts of force. Factors such as geography, weather, political landscape, military, and key infrastructure provide a clear understanding of Russian culture and how it has shaped the nation overRead MoreThe Effects Of Russian Culture On Military Operations1668 Words   |  7 Pagesteach those lessons to our service members. Through those efforts, we have been able to win over many of the hearts and minds that we lost during the early part of the 1990’s and 2000’s. Continuing these practices in the future, with countries such as Russia, will allow us to overcome many of the mistakes and problems we have encountered in the past. This paper is the culmination of my own personal thoughts and in no way reflects any official views or opinions of the United States government. As youRead MoreRussia And Their Lines Of Communication Essay1265 Words   |  6 Pagesalso be covering the geography of Russia and their lines of communication. Russia has multiple conflicts that the country has been a part of, but I will be discussing the Russian Civil War the three year war. Furthermore, I will be discussing is how weather affects Russia’s population, agriculture, and insurgency. Finally, I will be covering is Russia’s society, language, power and authority, etc. Russia’s geography is mixed between mountains, plains, and urban terrain. Russia is over six million

Caribbean Literature free essay sample

Based on different readings and lived experiences, the one question that always aroused is what effect do Caribbean women have on knowledge construction and ideas dispersed? The purpose of this research is to demonstrate the intellectual culture among Caribbean women. In addition to displaying their cultures, this research looks to clarify and bring to the surface the lifestyle that Caribbean women have faced, is facing and have taken into their own account to write and speak about. This research also includes the Caribbean’s women perspectives on social circumstances, economics, colonialism and the history that either them or their ancestors endured. This research paper explains the intentions of the research topic, which is to investigate and indicate some of the challenges and problems through which Caribbean women have encountered. What defines this project and really made it interesting is the ideology that unless a Caribbean woman has transformed herself into what the colonized wanted, then she has no intellectual culture. We will write a custom essay sample on Caribbean Literature or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page It is a topic in which one can entirely study to gain knowledge of how Caribbean women had their own consciousness before they were colonized. The desires to understand how Caribbean women were able to stay strong and keep their beliefs despite of the world that they knew. Also, for those that did assimilate to the world that stood before them, was it hard for them to regain their mindset and their way of life? These are questions that aroused in hopes to carefully and adequately the minds of Caribbean women to completely recognize their transformation. The impression that this research is expected to portray is to enlighten individuals to rethink their understanding of not only the women in the Caribbean but also the Caribbean itself. The comprehension about these women was constructed, deconstructed and then reconstructed. This research is created to deeply understand the true reality of women in the Caribbean. In this research I argue that Caribbean women have more to themselves then many think. They have a strong intellectual mindset and culture and that is what my research will depict.

Research Paper on Inventory Management Essay Example

Research Paper on Inventory Management Essay Inventory Management Research Report: Inventory management is the study and branch of management which touches upon the storage, distribution, protection and transportation of the inventory of a company. Every organization has its own inventory, which helps to do the work well and enables the company to function properly. The inventory includes everything, which belongs to the organization and plays the active role in its work. Even such simple items as tables, chairs, paper and pens belong to this list, because it is important to know the number of these items and their condition in order to avoid any misunderstandings and shortages of these essential things. Such important objects as tools, computers, telephones and machines are far more important for the functioning of the organization, because they are the very factors, which guarantee the quality of work and production. Inventory management is extremely important for the work of an organization, because a smart businessman should know what he has in the company, wh ere it is used and how many items are already out of use and require repairing or substitution. We will write a custom essay sample on Research Paper on Inventory Management specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Research Paper on Inventory Management specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Research Paper on Inventory Management specifically for you FOR ONLY $16.38 $13.9/page Hire Writer The problem of inventory management is quite serious, because inventory costs money and the manager who is responsible for the inventory management should follow that the items are in the appropriate condition and function for the sake of the company further. It is obvious that the problem of inventory management touches upon more serious aspects like the modernization and improvement of the stuff. This means that one should purchase the new machines and tools and substitute the old ones with them and the manager should do this job with the least expenditures and loss for the company. Inventory management is the serious problem which guarantees the successful work of an organization, so if one wants to learn about the topic more, he should devote much time to the investigation of the problem and complete a good research report on it. A successful inventory management research report is supposed to contain original and up-to-date information and profound analysis of the topic. A student should analyze the topic well and focus on the core aspects and components of inventory management in order to describe the problem from all sides and evaluate the process professionally. It is important to prepare a detailed methodology section in order to demonstrate the critical thinking ability and analytical skills.

4 Ways to Make a Short Resume Longer

4 Ways to Make a Short Resume Longer Resume too short? The first question to ask yourself is probably the ever controversial â€Å"one page or two†? The debate rages on, but all you need to decide is how long your resume should be. If you’re fairly advanced in your career and have more pertinent experience than you can fit onto one page, then two (or more) pages is encouraged. If you’re starting out, however, the general rule of one-page should probably still apply. Either way, if you feel your resume is a little on the thin side, and not quite at the length you think is most appropriate, here are four tips to beefing it out.1. Add your achievementsYour achievements can be just as relevant as where you went to school. Try to find a way to put them in context. Include a few statements to show how your particular strengths and achievements prove that you have what it takes for a particular job. You can also list any major accomplishments in previous jobs (or really any instances in which your performa nce was remarkable- and relevant).2. Add to your work historyYour work history is one of the first and most important things a potential hirer will look at on your resume. If you don’t have numerous relevant job titles to list, you can include work experience you gained in internships or training programs over the course of your education. You could even include volunteer experience here. The most important thing is to make sure each thing you do list adds to the picture of you as a viable candidate for a particular job. Flesh out the descriptions of what you did and learned in each previous position to paint a broader picture of your qualifications.3. Say more about your skillsWhen in doubt, add extra skills. If you have two or three listed, make it four, or even five. Just make sure to choose these well. Read job descriptions carefully and choose the skills that will best set you up for impressing the hiring manager and landing yourself an interview.4. Include your hobbiesT his is sometimes controversial, but a good bet if you’re running short on content. If you have any particularly fascinating hobbies or interests- particularly ones which drawn on, broaden, or expand your relevant skills and strengths and experience- then these can be included on your resume. It gives recruiters insight into your personality and can be a great way of showing (subtly) how you’d fit within a company culture.Choose wisely. But don’t be shy of adding some of these extra details to augment your chances of getting the job.

Anything Goes is a bad policy technology and Society Essay

Anything Goes is a bad policy technology and Society - Essay Example The problems of technology are then considered through use of 'Resistentialism'. Turning from that to the question of whether we adapt technology, or if it adapts our needs, the study will also consider if technology is truly neutral, and therefore the responsibility for good and evil outcomes lies within the human being using and developing this technology. After discussing all these factors, the essay will conclude by considering whether this subject is to be feared, utilized, or ignored in order to achieve the best for society. Science fiction has produced some of the most influential books of the last century, many of them written in the period between the end of the Victorian era and the beginning of the Cold War. These stories, such as Fahrenheit 451, or 1984 are often dystopian in setting and outcome, with technological advancements used by negative forces. C M Kornbluth's A Little Black Bag ends tragically, as the hero is destroyed by other's greed, and a technology that should have been beneficial to society at large is eliminated. In those stories, human evil is responsible for manipulating the essentially neutral technology (In Kornbluth's tale, it is used for good by the doctor who redeems himself, and it is his assistant's inability to see any use for the technology except as a money-spinner which causes the tragedy [Kornbluth A Little Black Bag]). However, overuse of technology, also increases in human ignorance. Asimov's The Feeling of Power depicts a future where people cannot do mathematics a ny more due to their reliance upon technology; even the most basic thought processes are troublesome to people dependant upon computers and machines. Later fictions, such as the Cyberpunk movement, have been more ambivalent about technology: Neuromancer depicts a future in which technology gets more and More amazing, without having any effect on the world's Problems. (Jones, 92) Certainly Neuromancer is not a utopian version of the future, but in the novel, society cannot function without technology, whether it is the official social structures, such as businesses or those in the underworld and black markets. This may be a reflection of the current state of western society, where we cannot imagine a future in which technology does not play a major part. Any discussion of the role of technology in society must consider what exactly is meant by the term 'technology'. Usually, when this word is used, in phrases such as 'IT' (information technology), it refers to the mechanical and electronic systems

Overview and Discuss the Current Trends in Web Development Essay

Overview and Discuss the Current Trends in Web Development - Essay Example It is predicted that there would be larger demands for single websites that would be capable of supporting both desktop computers as well as mobile instruments. For years, there have been websites serving for the computers and the mobiles separately. However, with recent development it is expected that there would be uniformity in the web designs enabling them to serve both for the computers and the mobile devices. At the same time, there would be greater need for security since simplified sign up processes would be involved in the further web developments. It is also predicted that customization of content of marketing would be supported through big data in the recent developments of the web (Scaglione, 2013). Mobiles are the latest trends in use. Considering the new developments in the web, it is predicted and expected that several simple sites would be developed through designs that are heavy in texture. Responsive and adaptive sites would be in an increase. The current trends are expected to mature in the near future. A new world would be entered into with the development of new and powerful browsers and HTML5, CSS3, and jQueries. These trends have been more focused in the recent times considering the fact that the mobile devices have become highly advanced easily available for use by individuals. Two major developments that are expected to largely influence the development of the web in the recent times and in the future are: Shift of companies to the SaaS and cloud model, and to the personalization and depending on technological intelligence for behavior of the user as well as the device; Development of the applications of the mobile devices (Scaglione, 2013). The year 2012 was expected to encounter certain hardships in terms of the economic difficulties and the web industry was found to struggle through such hardships as it tried to develop through censorship, indigenous applications, and the technology that was not only rapid in its nature but also frag mented. However the predictions for the year 2013 reflect change in the designs and hence shift to newer designs and development. Thus usage of the devices, as well as adjustments of the consumption of the web is considered for shifts to new developments (Grannell, 2013). Open source tools and applications have been obtained to be highly beneficial for web development as they are capable of being used as alternatives for web designs considering the budgets for such development in the present times. There are several open source applications that are free and also have features that may be compared to the ones offered by expensive web designs. Thus, this enables a web designer to have all the necessary tools and applications without much expenditure (Jones, 2009). The present study would discuss on some of the open sources web development tools that include HTML5, CSS3, JavaScript, AngularJS, ASP.Net, jQuery, AJAX, Web Content Management Systems, WebApps, WYSIWYG, and Search Engine O ptimizations. The study would also have an overview on some of the closed sources as

Nirmal Bharat Abhiyan (NBA) Essay Example for Free

Nirmal Bharat Abhiyan (NBA) Essay 1. Introduction: To accelerate the progress of sanitation in rural areas, Government of India is implementing from 1.4.2012, the ‘Nirmal Bharat Abhiyan (NBA)’, a Centrally Sponsored Scheme [earlier Total Sanitation Campaign (TSC)]. Similarly, to provide drinking water to rural population in adequate quantity, the Govt. of India is implementing a centrally sponsored Scheme called the National Rural Drinking Water Programme (NRDWP). New Delhi: The union cabinet Wednesday gave its approval for restructuring of â€Å"Nirmal Bharat Abhiyan† into Swachh Bharat Mission. The programme is aimed at creating a clean India by 2019 with peoples participation. The cabinet has approved the Swachh Bharat Mission, union Law Minister Ravi Shankar Prasad said here after a cabinet meeting chaired by Prime Minister Narendra Modi. Prasad said the mission will be launched Oct 2, the birth anniversary of Mahatma Gandhi. The prime minister has been striving to make the mission a mass movement. The cabinet also approved a Swachh Bharat Mission for urban areas, which will be part of a joint Swachh Bharat Mission which has another component for rural areas. The drinking water and sanitation ministry will implement the programme in rural areas while the urban development ministry will do the same in urban areas. The Nirmal Bharat Abhiyan will be restructured into the Swachh Bharat Mission with two sub-missions Swachh Bharat Mission (rural) and Swachh Bharat Mission (urban). Budgetary provisions for the two sub-missions will be provided separately in the demand for grant of the ministries of drinking water and sanitation (for rural) and ministry of urban development (for urban), an official statement said. â€Å"I take this pledge that I will remain committed towards cleanliness and devote time for this. I will devote 100 hours per year — that is two hours per week — to voluntary work for cleanliness. I will neither litter nor let others litter. I will initiate the quest for cleanliness with myself, my  family, my locality, my village and my work place. I believe that the countries of the world that appear clean are so because their citizens don’t indulge in littering nor do they allow it to happen. With this firm belief, I will propagate the message of Swachh Bharat Mission in villages and towns. I will encourage 100 other persons to take this pledge which I am taking today. I will endeavour to make them devote their 100 hours for cleanliness. I am confident that every step I take towards cleanliness will help in making my country clean.† Narendra Modi 2. Swachh Bharat Abhiyan: The present goal under NBA is to achieve 100% access to sanitation for all rural households by 2022. Under Swachh Bharat Abhiyan (SBA), the Goal is now pre-phoned to make India Open Defecation Free (ODF) India by 2019 by construction of individual, cluster community toilets; and villages will be kept clean, including through solid and liquid waste management through Gram Panchayats. Water pipelines have to be laid to all villages enabling tap connection into households on demand by 2019. In this matter, co-operation and convergence of all Ministries, Central State schemes, CSR bilateral/multilateral assistance may become necessary as well as new innovative ways of funding such interventions. In a federal set-up like ours, where sanitation and water are state subjects, it is all the more important that states take the initiative to complete all activities to achieve Swachh Bharat by 2019 by dove-tailing all schemes Central or State. Swachh Bharat Mission: Facts and Figures Project Cost: Rs. 1,96,009 crore Project Start Date: 2nd October 2014 Project Estimated End Date: 2nd October 2019 Ministries Involved in Project: Ministry of rural development, ministry of urban development, ministry of drinking water and sanitation, Public Sector Undertakings ( PSUs), corporations, NGOs, state governments etc. Purpose of Project: To make India a filth-free country in five years, to construct community and public toilets in rural and urban areas, to provide running water supply, to treat waste water, to keep roads, pavements and localities clean etc. 3. BACKGROUND: 3.1 Individual Health and hygiene is largely dependent on adequate availability of drinking water and Proper sanitation. There is, therefore, a direct relationship between water, sanitation and health. Consumption of unsafe drinking water, improper disposal of human excreta, improper environmental Sanitation and lack of personal and food hygiene have been major causes of many diseases in Developing countries. India is no exception to this. Government started the Central Rural Sanitation Programme (CRSP) in 1986 primarily with the objective of improving the quality of life of the rural People and also to provide privacy and dignity to women. 3.2 The concept of sanitation was expanded to include personal hygiene, home sanitation, safe water, Garbage disposal, excreta disposal and waste water disposal. With this broader concept of sanitation, CRSP adopted a â€Å"demand driven† approach with the name â€Å"Total Sanitation Campaign† (TSC) with effect From 1999. The revised approach emphasized more on Information, Education and Communication (IEC), Human Resource Development, Capacity Development activities to increase awareness among the rural people and generation of demand for sanitary facilities. This enhanced people’s capacity to Choose appropriate options through alternate delivery mechanisms as per their economic condition. The Programme was implemented with focus on community-led and people centred initiatives. Financial incentives were provided to Below Poverty Line (BPL) households for construction and usage of Individual household latrines (IHHL) in recognition of their achievements. Assistance was also extended for construction of school toilet units, Anganwadi toilets and Community Sanitary Complexes (CSC) apart From undertaking activities under Solid and Liquid Waste Management (SLWM). 3.3 To give a fillip to the TSC, Government of India also launched the Nirmal Gram Puraskar (NGP) that Sought to recognise the achievements and efforts made in ensuring full sanitation coverage. The award Gained immense  popularity and contributed effectively in bringing about a movement in the community for attaining the Nirmal Status thereby significantly adding to the achievements made for increasing the Sanitation coverage in the rural areas of the country. 3.4 Encouraged by the success of NGP, the TSC is being renamed as â€Å"Nirmal Bharat Abhiyan† (NBA). The Objective is to accelerate the sanitation coverage in the rural areas so as to comprehensively cover the rural community through renewed strategies and saturation approach. Nirmal Bharat Abhiyan (NBA) envisages covering the entire community for saturated outcomes with a view to create Nirmal Gram Panchayats with following priorities: Provision of Individual Household Latrine (IHHL) of both Below Poverty Line (BPL) and Identified above Poverty Line (APL) households within a Gram Panchayat (GP). Gram Panchayats where all habitations have access to water to be taken up. Priority May be given to Gram Panchayats having functional piped water supply, Provision of sanitation facilities in Government Schools and Anganwadis in Government Buildings within these GPs Solid and Liquid Waste Management (SLWM) for proposed and existing Nirmal Grams Extensive capacity building of the stake holders like Panchayati Raj Institutions (PRIs), Village Water and Sanitation Committees (VWSCs) and field functionaries for Sustainable sanitation. Appropriate convergence with MNREGS with unskilled man-days and skilled man-days 4. OBJECTIVES: The main objectives of the NBA are as under: a) Bring about an improvement in the general quality of life in the rural areas. b) Accelerate sanitation coverage in rural areas to achieve the vision of Nirmal Bharat by 2022 with all gram Panchayats in the country attaining Nirmal status. c) Motivate communities and Panchayati Raj Institutions promoting sustainable sanitation facilities through awareness creation and health education. d) To cover the remaining schools not covered under Sarva Shiksha Abhiyan (SSA) and Anganwadi Centres in the rural areas with proper sanitation facilities and undertake proactive promotion of Hygiene education and sanitary habits among students. e) Encourage cost  effective and appropriate technologies for ecologically safe and sustainable Sanitation. f) Develop community managed environmental sanitation systems focusing on solid liquid waste Management for overall cleanliness in the rural areas. 5. STRATEGY: The strategy is to transform rural India into ‘Nirmal Bharat’ by adopting the community led and People centred strategies and community saturation approach. A demand driven approach is to be continued with emphasis on awareness creation and demand generation for sanitary facilities in houses, Schools and for cleaner environment. Alternate delivery mechanisms would be adopted to meet the Community needs. The provision of incentives for individual household latrine units to the poorest of the poor households has been widened to cover the other needy households too so as to attain Community outcomes. Availability of water in the Gram Panchayat shall be an important factor for sustaining sanitation facilities created. Rural School Sanitation remains a major component and an entry Point for wider acceptance of sanitation by the rural people. Wider technology options are being provided to meet the customer preferences and location- specific needs. Intensive IEC Campaign is the Corner stone of the programme involving Panchayati Raj Institutions, Co-operatives, ASHA, Anganwadi Workers, Women Groups, Self Help Groups, and NGOs etc. A roadmap for engagement of corporate houses is being introduced. More transparent system involving social audit and active people’s participation in the implementation process of NBA is being introduced. Convergence with MNREGS shall also be Important to facilitate the rural households with fund availability for creating their own sanitation Facilities. 6. IMPLEMENTATION: The Guidelines of NBA and the provisions hereunder are applicable with effect from 01.04.2012. Implementation of NBA is proposed with ‘Gram Panchayat ‘as the base unit. A project proposal that Emanates from a district is scrutinized and consolidated by the State Government and transmitted to The Government of India (Ministry of Drinking Water and Sanitation) as a State Plan. NBA is to be Implemented in phases with start-up activities. Funds are  to be made available for preliminary IEC work. The physical implementation gets oriented towards satisfying the felt-needs, wherein individual Households choose from a menu of options for their household latrines. The built-in flexibility in the Menu of options gives the poor and the disadvantaged families opportunity for subsequent up gradation Depending upon their requirements and financial position. In the â€Å"campaign approach†, a synergistic Interaction between the Government agencies and other stakeholders is essential. To bring about the desired behavioural changes for relevant sanitary practices, intensive IEC and advocacy, with Participation of NGOs/ Panchayati Raj Institutions/resource organizations is envisaged. NBA will be implemented with a district as the project. The States/UTs are expected to Prepare/revise NBA Projects for all the districts, consolidate at State level as State Plan and submit Before the Government of India. 7. COMPONENTS OF NBA The Programme components and activities for NBA implementation are as follows: (a) Start-Up Activities: The start-up activities include a. Conducting of preliminary survey to assess the status of sanitation and hygiene practices. b. Base line survey. c. Orientation of key personnel at the district/GP level. d. Preparation of State Plan. The cost of Start-up activities will be met from the IEC funds up to Rs. 10 Lakh. Additional fund. Requirement, if any, shall be met by the State. (b) IEC Activities: Information, Education and Communication (IEC) are important components of the Programme. These intend to trigger the demand for sanitary facilities in the rural areas for households, schools, Anganwadis and Community Sanitary Complexes through behavioural change. The activities carried out under these components should be area specific and should also involve all sections of the rural Population. IEC is not a one-time activity. IEC  strategy and plan to be drawn to include creation of Demand leading to construction and use in a sustained manner. IEC should be conducted at all tiers i.e. Districts, Blocks and Gram Panchayat. A national communication strategy framework has been developed by Government of India giving Emphasis on Inter Personal Communication (IPC) at the grassroots level. The states are to evolve their own strategy using folk media, mass media and also outdoor media like wall painting, hoarding etc. The IEC should also focus on health and hygiene practices and environmental sanitation aspects. Interpersonal communication and door to door to door contact are recognised as the most Significant tools for attaining the programme goals. In order to strengthen communication machinery at the village level with participatory social mobilization, guidelines for engagement of village level Motivators (Swachchhata Doot / Sanitation Messengers) have been issued separately. As part of this Strategy, in addition to Swachchhata Doots, field functionaries like Bharat Nirman Volunteers, ASHA, Anganwadi workers, School Teachers etc. can also be engaged at the village level for demand creation and taking up behaviour change communication. The motivator can be given suitable incentive from the Funds earmarked for IEC. The incentive will be performance based i.e. in terms of motivating the Number of households and schools/ Anganwadis to construct latrines and use them. Each project district should prepare a detailed IEC plan along with the Annual Action Plan with Defined strategies to reach all sections of the community. The aim of such a communication plan is to motivate rural people to adopt hygiene behaviour as a way of life and thereby develop and maintain all Facilities created under the programme. The Annual IEC Action Plan should be duly approved by the DWSC/DWSM. The Communication and Capacity Development Units (CCDUs) / Water and Sanitation Support Organisations (WSSOs) set up at the state level must support the districts in developing a good IEC plan and also in implementing it. Observance of Sanitation Day/ Sanitation Week / Sanitation Fortnight should be essential component of the Annual Action Plan. For effective dissemination of the IEC material, funds may also be provided under this component To blocks and gram Panchayats for execution of works. The development of such material executed by the Panchayats may be standardized by the district or the CCDU. The IEC funds should be broadly divided into pre Nirmal and Post- Nirmal phase so as to have Funds for sustaining the movement. The project districts, however, shall have the flexibility of deciding this division depending on the baseline survey reports and rate of acceleration of sanitation coverage. Funds available under IEC may be used for imparting hygiene education to the rural communities, General public, as well as children in schools. The IEC plan should include a component for rising Awareness among school going children, teachers and PTAs. IEC funding will be in the ratio of 80:20 between GOI and the State Governments and the total IEC Cost including start up grant will be limited to 15% of the total project cost. (c) Capacity Building: This component is for training of VWSC and PRI members, block and district functionaries and Grass root functionaries like ASHA and other health, education and related functionaries, Anganwadi Workers etc. SHGs can be trained in trades such as masonry work, brick-making, toilet pan making and Plumbing etc. as also for awareness raising activities. NGOs/CBOs of repute can be engaged for this Activity. State Resource Centres and Regional / District Resource Centres should be identified for Conducting such trainings. Capacity building funding will be in the ratio of 80:20 between GOI and the State Governments and will be limited to 2% of the IEC budget. (d) Construction of Individual Household Latrines: A duly completed household sanitary latrine shall comprise of a Toilet Unit  including a super Structure. The programme is aimed to cover all the rural families. Incentive as provided under the Scheme may be extended to all Below Poverty Line (BPL) Households and Above Poverty Line Households (APL) restricted to SCs/STs, small and marginal farmers, landless labourers with homestead, physically handicapped and women headed households. The construction of household toilets should be undertaken by the household itself and on completion and use of the toilet; the cash incentive can be given to the household in recognition of its achievement. The incentive amount to Below Poverty Line (BPL) household/identified APLs for construction of one unit of IHHL shall be Rs.4600.00n (Rs.5100.00 for difficult and hilly areas). The central share out of this shall be Rs.3200.00 (Rs.3700.00 in case of hilly and difficult areas) and State Government share shall Be Rs.1400.00. Minimum beneficiary share shall be Rs.900.00 in cash or labour. State Governments are allowed the flexibility to provide higher incentive for a household toilet, of the same or higher unit costs from their own funds. All houses constructed with the central or/and state assistance should invariably Have suitable sanitation facility as an integral part. However, all houses constructed by the beneficiaries Under Indira Awas Yojana (IAY) or any other state rural housing scheme which did not have toilets shall also be eligible for the incentive as above for creation of sanitation facilities for the targeted groups Under NBA. APL families not covered by the above incentives will take up construction of the household Latrines on their own through motivation. The IEC activities will provide comprehensive coverage to all the families in the GP without exceptions. APL families facing cash crunch may access the revolving fund as outlined in the guidelines. Construction of bucket latrines is not permitted in the rural areas. The existing bucket latrines, if any, should be converted to sanitary latrines and the sharing pattern for incentive for the targeted Beneficiaries shall be identical to that of construction of individual house hold latrines. Ministry of Rural Development notification Number S.O.l022 (E) dated  04.05.2012 regarding Convergence of TSC with MNREGS will be mutatis mutandis applicable for convergence with NBA. (e) Rural Sanitary Marts and Production Centers: The Rural Sanitary Mart is an outlet dealing with the materials, hardware and designs required for The construction of sanitary latrines, soakage and compost pits, vermi-composting, washing platforms, Certified domestic water filters and other sanitation hygiene accessories required. RSMs should Ensure that a variety of pans (ceramic, mosaic, HDP, fiberglass) are available for choice by the Beneficiaries. RSM should necessarily have those items, which are required as a part of the sanitation Package. It is a commercial venture with a social objective. The main aim of having a RSM is to provide Materials, services and guidance needed for constructing different types of latrines and other sanitary Facilities for a clean environment. Production Centers are the means to produce cost effective affordable Sanitary materials at the local level. They could be independent or part of the RSMs. The Production Centers/Rural Sanitary Marts could be opened and operated by SHGs / women Organizations/Panchayats/NGOs etc. Support of private entrepreneurs may also be taken for ensuring An effective supply chain. DWSM/DWSC should have a Memorandum of Understanding (MoU) with the RSMs/PCs along with A system of joint monitoring evolved to ensure that the RSMs PCs are on track with production plans As per requirement. RSMs should have a method of quality certification of its products and a band of Trained masons and motivators. Quality standards (where notified by BIS or by MoDWS) for each of the items of purchase should Be strictly adhered to. An interest free loan up to Rs.3.5 lakh can be given for establishing RSM/PC out of revolving fund Available with the district. In case more RSMs are required, a maximum of up to Rs.35 Lakh from the Revolving Fund can be utilized for this purpose. Loans from the revolving fund for RSM/PC shall be Recovered in 12-18 instalments after one year from the date of receiving the  loan. (f) Provision of Revolving Fund in the District The revolving fund may be given to Cooperative Societies or Self Help Groups whose Creditworthiness is established, for providing cheap finance to their members. Loan from this fund Should be recovered in 12-18 instalments. NBA projects will have the flexibility to decide the other Terms and conditions for sanction of the revolving fund. This revolving fund can be accessed by APL Households not covered for incentives under the guidelines. Loan can also be given to the owner of the Household where Anganwadi centre is located for construction of baby friendly toilet provided the ICDS Authorities agree to refund the loan from the rent paid to the house owner. 5% of the District project Outlay subject to a sum of up to Rs.50 Lakh, can be used as revolving fund. The revolving fund is shared Between Centre and State on an 80:20 basis. (g) Community Sanitary Complex: Community Sanitary Complex is an integral component of the NBA. These Complexes, comprising An appropriate number of toilet seats, bathing cubicles, washing platforms, Wash basins etc., can be set Up in a place in the village acceptable and accessible to all. Ordinarily such complexes should be Constructed only when there is lack of space in the village for construction of household toilets and the Community owns up the responsibility of their operation and maintenance. The ultimate aim is to Ensure construction of maximum IHHLs and construction of community complexes will be restricted to Only when IHHLs cannot be constructed, for whatever reason, and also teach the community of â€Å"Hygiene practices†. The maintenance of such complexes is very essential for which Gram Panchayat Should own the ultimate responsibility. User families may be asked to contribute a reasonable monthly User charge for cleaning maintenance. The proposal for putting up CSC will be approved by the National Scheme Sanctioning Committee (NSSC). Such complexes can also be made at public places, Markets, etc. where large scale congregation of people takes place. Suitable maintenance guidelines May be adopted by the community to ensure proper maintenance of the complex. Maximum unit cost prescribed for a community sanitary complex is up to Rs.2 lakh. Sharing Pattern amongst Central Government, State Government and the community is in the ratio of 60:30:10. The community contribution, however, can be made by the Panchayat out of its own resources, from Grants of the Thirteenth Finance Commission or from any other fund of the State duly permitted by it. (h) Institutional Toilets: Children could be a good channel to influence parents to adopt proper sanitary habits. Children are More receptive to new ideas. Schools/Anganwadis are appropriate institutions for changing the Behaviour, mind-set and habits of children from open defecation to the use of lavatory through Motivation and education. School Toilets: Toilets in all types of Government Schools should be constructed. Emphasis should be given to Toilets for Girls in Schools. Toilet should provide access opportunity to children with special needs. A Toilet unit consists of a toilet and minimum of two urinals. Separate toilet units for girls and boys should Be provided in all co-educational schools, which are to be treated as two separate units and each unit is Entitled to Central assistance. The number of toilet units to be constructed should be adequate to meet The requirements of the school as per the strength of the students attending the school. State/UT Governments, Parent-Teachers Association and Panchayats are free to contribute from their own Resources over and above the prescribed amount. In addition to creation of hardware in the schools, it is essential that hygiene education is imparted To the children on all aspects of hygiene. For this purpose, at least one teacher in each school must be Trained in hygiene education who in turn should train the children through interesting activities and Community projects that emphasize hygiene behaviour. The expenditure for this purpose can be met From the IEC fund earmarked for the project. The district and Panchayat implementing agencies should Ensure  good coordination with Department of Education and Health other partners in order to fulfil The objective of SSHE i.e. to provide a safe, healthy learning environment to all children. The Central assistance per unit will be restricted to 70 percent for a unit cost of Rs.35,000 (Rs.38,500 in case of hilly and difficult areas). Funding for School Sanitation in a NBA Project is provided By the Central and State Government in the ratio of 70:30. Anganwadi Toilets: In order to in still the practice of using a toilet in children from very early stage in life, it is essential That Anganwadis are used as a platform of behaviour change for the children as well as the mothers. For This purpose, each Anganwadi should be provided with a baby friendly toilet. Since there are a large Number of Anganwadis operating from private premises, following strategy may be adopted: a) In all the Anganwadis, which are in Government buildings, baby friendly toilets should be Constructed from the NBA funds provided. b) In those Anganwadis, which are in private buildings, the owner must be asked to construct The toilet as per design, and, he/she may be allowed to charge enhanced rent for the Building to recover the cost of construction. c) Alternatively, the toilet may be constructed from revolving fund component under the NBA And, suitable deductions made from the monthly rental paid to the owner to recover the Cost over a period of time. Unit cost of a toilet shall be up to Rs.8,000 (Rs.10,000 in case of hilly and difficult areas) for each Anganwadi in the rural areas. Financial assistance to be given by Government of India will be restricted To Rs.5,600 (Rs.7,000 in case of hilly and difficult areas). Additional expenses can be met by the State Government, Panchayats or funds from Thirteenth Finance Commission, MPLADS, MLALADS, MNREGS Etc. Construction of Anganwadi toilets is to be prioritised in the 200 high focused districts to assist in Tackling the issue of malnutrition. All government buildings constructed with financial support of the Centre must have appropriate Sanitation facilities under the respective schemes as an integral component of the scheme. This is Considered essential to achieve the vision of ‘NIRMAL BHARAT’.

Executive Summary :: essays research papers

In our business world we have to provide quality atmosphere service to our customers. The purpose for this introduction is to explain how we treat our internal and external customers in order to provide satisfaction. The base of this executive summary will be on where we work at with our current employer or former.   Ã‚  Ã‚  Ã‚  Ã‚  The information collected for this executive summary will be on my last employer. My former employer was Eppies Restaurant. Mainly this small business was in Madera California. Now that we addressed the company, we now can adopt quality principles in theory for my former employer Eppies Restaurant. As I stated in the past, Eppies Restaurant has been open for several years until they closed recently. Since Eppies Restaurant is a food service industry, I can tell you from experience, that it can be very stressful for employees.   Ã‚  Ã‚  Ã‚  Ã‚  We as managers must understand that not just people from the community is our customers, but also our employees are too, and business partners, suppliers etc. For example, we have owners (managers), waitress, busboys, dishwashers, cooks; these were the employees who worked at Eppies Restaurant. Employers have always have choices about how they want their business run, but today managers must be more user friendly. Since business runs a cycle one company relieves on other companies services, this would be an external customer.   Ã‚  Ã‚  Ã‚  Ã‚  Eppies Restaurant had many external customers. For example, we had M& D services they deliver meat and other products. Then we had Rainbow and they deliver bread. We also had a Towel Service they would wash our towels that we use to clean the restaurant. And finally the soda industry and dishwasher industry that supplies their product to any fast food companies. They all provide a service. Eppies Restaurant would buy an extra order for their product and in return they would get a discount. Finally we have our customers who buy our foods. The fast food industry can be very busy especially mothers day. We get anger customers because foods are brought late. The service is bad and seating customers has a big affect on our service to the community. The lesson learned steps in. This also applies for internal employees who work to provide the quality service.

George Orwell’s Shooting an Elephant: Insights on Imperialism, Ethical Conflicts and Fear of Judgment Essay

George Orwell’s essay â€Å"Shooting an Elephant,† introduces an interesting insight on imperialism, ethical conflicts and fear of judgement through the inner workings of a European police officer given the grueling task of dealing with an elephant in musk within Moulmein, in lower Burma. Imperialism, as defined in the Oxford English Dictionary, reads that Imperialism is â€Å"a policy of extending a country’s power and influence through colonization, use of military force, or other means.† Interestingly, Orwell shows imperialism in his work as a consensual hatred between the Burmese and a particular European cop causing a mutual negativity. The ethical conflicts raised in this essay root from the narrator, (who we can assume is the European police officer) who has been handed the task of dealing with a lustful and aggressive elephant who was a threat to the Burmese people’s land, possessions and lives. Ethical conflicts raised in Orwell’s work, tie to the narrators fear of judgement. It was because the narrator feared judgement so terribly, that he made the choice to pull the trigger on the elephant. When an elephant in musk escapes from his chains with his Mahout far out of reach, the narrator is called in to deal with this ravaging creature. He beings along his rifle and says â€Å"I had no intention of shooting the elephant, I had merely sent for the rifle to defend myself if necessary.† In essence, the pure reason for the rifle was for precautionary reasons, yet it had drawn a large amount of attention and excitement from a large crowd of â€Å"at least 2000 and growing every minute.† (Page 284) The narrator has an ethical dilemma, as â€Å"[he] knew with perfect certainty that [he] ought not to shoot him† (page 284). Orwell compares the elephant to a valuable, expensive piece of machinery. (Page 284) He watches the elephant acting with that â€Å"grandmotherly air that elephants have,† (Page 285) realizing that the beast is calming down and coming out of his lustful phase. This later contrasts with the narrator actually shooting the elephant due to the pressure of â€Å"the sea of yellow faces and their 2000 wills pressing [him] forward.† (Page 284) As the narrator was enroute to locating this lustful elephant, he learns that it had already â€Å"destroyed a bamboo hut, killed a cow and raided some fruit stalls and devoured stock.† (Page 282) In learning these things, Orwell makes it clear that the narrator feels he has legal justification for shooting the elephant even though he morally knew he was in the wrong. Interestingly, the narrators ethics in the matter of shooting the elephant are broken because of his fear of judgement. â€Å"[He] was hated by many people as a European subdivisional police officer in Moulmein. [He] was an obvious target and baited whenever it seemed safe to do so.† When the narrator was called in to deal with this elephant in must, he came to a point where he was surrounded by thousands of Burmese people, left with the choice to either shoot the elephant, or let him live. The pressure provided by the â€Å"thousands of yellow faces,† (page 284) and all of their hatred, left the narrator with no choice in his mind but to fire at this creature. After doing this, he wonders â€Å"whether any of the others (Burmese) grasped that [he] had shot the elephant solely to avoid looking like a fool.† (Page 287) This proves the narrators fear of judgement. Orwell does an excellent job in displaying the hatred between the Burmese and the Europeans, and the feeling that â€Å"imperialism was an evil thing.† (Page 281) He says that â€Å"if a European woman went through the bazaars alone somebody would probably spit betel juice over her dress.† (Page 281) Orwell uses symbolism to demonstrate the â€Å"evil† of imperialism. The ravaging elephant that the narrator was called in to deal with is a symbol for imperialism and its evils. The actual shooting of the elephant unveils that imperialism not only inflicts damage on one side, but on both sides of the relationship. Europe, who is supposed to hold control over the Burmese peoples, lost their control due to the pressure provided by the Burmese people in the actual shooting of the elephant. The Officer is put into a large authority position, but the hate he received from the Burmese, as well as the emotional pressure they put on him to shoot the elephant, puts a sense of power on the Burmese, and less on the â€Å"greater† European colony. Throughout this reading, Orwell demonstrates the evils of imperialism as well as the pressure that we as humans often have to succumb to based on societal pressures we face. He uses a story of a European police officer working in Moulmein who is faced with the pressure of the local Burmese people to kill an elephant who is in must and has done some damage to people’s property.

Essay about The Grey Area - 1545 Words

The Grey Area Now in the twenty-first century a college degree is required to have a good, steady and reliable career. Years ago people could get a job based upon good standing in their community. Like my great- grandmother use to always say â€Å"I use to get a loan based on a handshake and now they want this credit history crap†. Years ago people worked and retired at one job, not anymore. In the year of 2011 a high school diploma or a GED will not get somebody very far unless you aspire to become an entrepreneur (and that even depends on what you do). With the constant rise of a college education students no matter what age will come across one aspect, financial aid. For most college student’s financial aid is a nightmare and there are so†¦show more content†¦The process for financial aid is a long, strenuous and a pertinent process. Before even attempting to fill out the FASFA (Federal Student Aid) form a student needs his or her social security number (both the student and the parents), drivers license, previous years w-2 form (both student and parents), previous year federal income tax return and current bank statements. Once the student gathers all required information and fills out the form entirely the waiting process then begins. The student will then be sent a Student Aid Report (SAR) which will include the Expected Family Contribution (EFC) and the types of aid for which the student is eligible for. The Expected Family Contribution (EFC) is a measure of the family’s financial strength and is calculated according to a formula established by law. The familys taxed and untaxed income, assets, and benefits (such as unemployment or Social Security) are all considered in the formula. Also considered are the families’ size and the number of family members who will attend college or career school during the year. Students can fall into one of two categories, dependent or independent. For a student to be considered independent he or she must be at least one of the following: twenty-four years old, married, enrolled in a graduate or post-bachelor degree program, can claim others as legalShow MoreRelatedRacism : Defining The Grey Area2132 Words   |  9 PagesRacism: Defining the Grey Area Introduction It’s either black or white, right? This is a common misconception heard in relation to many contentions involving racial controversies in America, and sadly, more often than not, it is assumed to be true. The racial, or rather ethnic, and social injustices in the United States are under the unsubstantial influential power of, what is deemed by most philosophers as, the â€Å"black/white paradigm†. â€Å"Juan Pera defines this paradigm as â€Å"the conception thatRead MoreThe Grey Areas Of Gated Communities1518 Words   |  7 Pages The Grey Areas of Gated Communities Faress Alakwaa What are gated communities? 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