Keeping Your Disability Benefits

Keeping Your Disability Benefits Keeping Your Disability Benefits Once an individual is approved for  disability benefits, there are a few issues that may arise which could cause those benefits to stop.Whether already on benefits, or  inquiring about eligibility, it’s important to be aware of these issues. First, and most obvious, if there has been medical improvement and the disability ends, the Social Security Administration (SSA) could find that the disability has ended. SSA periodically conducts â€Å"continuing disability reviews† to investigate whether an individual’s disability has continued, or if there is some other factor, such as medical improvement, which may result in a termination of benefits.Another common issue is returning to work. Since the effect an impairment has on an individual can vary significantly from person to person, SSA uses a more objective approach to evaluating whether the impairment should be considered a disability under their rules: whether an individual can work despite their impairment(s ).[i] If a Social Security Disability recipient works, that work must not arise to the level of Substantial Gainful Activity (SGA) with a few exceptions. For 2014, the monthly SGA amount is $1070 ($1800 for statutory blind individuals). One major exception is the trial work period (TWP). As an incentive to allow disabled individuals receiving benefits to test their ability to work, SSA created the TWP. Any month in which earnings exceed $770 trigger a TWP. However, these earnings won’t inherently eliminate benefits until there is at least 9 months of earnings (not necessarily consecutive) in a rolling 60 month period. Importantly, TWP applies only to beneficiaries of Social Security Disability and not to the  Supplemental Security Income (SSI) program.[ii] For SSI recipients, monthly resources become an issue. For 2014, the individual asset limit is $2000 per month with an income limit of $721 per month. However, there are countless nuisances and exceptions to these limits. Moreover, when a SSD beneficiary reaches full retirement age, disability benefits will cease and automatically transition to retirement benefits, but the amount will remain the same. Further, felony convictions, certain warrants, and confinement to a prison or other penal institutions for a crime conviction depending on the length of time, could terminate benefits.[iii]  The criteria for children is different and will be explored in a later blog entry.  For more information,  contact  one of our experienced attorneys today at 888-886-6400.[i] In the case of an adult. The criteria for children is different.[ii] SSI recipients may, however, be eligible for the ‘Ticket to Work Program’ and the ‘Plan to Achieve Self Support.’ For more information, see  ssa.gov/work/overview.html  and  socialsecurity.gov/disabilityresearch/wi/pass.htm, respectively.[iii] For more information, see Article ‘Felony Convictions and Warrants Impact Social Security Benefits.

Favorite Quotes From Faulkners As I Lay Dying

Favorite Quotes From Faulkners As I Lay Dying As I Lay Dying is the fictional chronicle of Addie Bundrens death. The family undertakes a journey to bury her body. The novel is narrated with the shifting viewpoints of 15 characters- made all the more vivid with Faulkners use of the vernacular and stream-of-consciousness style. Here are a few quotes from As I Lay Dying. Riches is nothing in the face of the Lord, for He can see into the heart.The quilt is drawn up to her chin, hot as it is, with only her two hands and her face outside. She is propped on the pillow, with her head raised so she can see out the window, and we can hear him every time he takes up the adze or the saw. If we were deaf we could almost watch her face and hear him, see him. Her face is wasted away so that the bones draw just under the skin in white lines. Her eyes are like two candles when you watch them gutter down into the sockets of iron candlesticks. But the eternal and the everlasting salvation and grace is not upon her.I know her. Wagon or no wagon, she wouldnt wait. Then shed be upset, and I wouldnt upset her for the living world. With that family burying-ground in Jefferson and them of her blood waiting for her there, shell be impatient. I promised my word me and the boys would get her there quick as mules could walk it, so she could rest quiet.I have heard men cuss th eir luck, and right, for they were sinful men. But I do not say its a curse on me, because I have done no wrong to be cussed by. I am not religious, I reckon. But peace is my heart: I know it is. I have done things but neither better nor worse than them that pretend otherlike, and I know that Old Marster will care for me as for ere a sparrow that falls. But is seems hard that a man in his need could be so flouted by a road. I knew that nobody but a luckless man could ever need a doctor in the face of a cyclone.Its because Im alone. If I could just feel it, it would be different, because I would not be alone. But if I were not alone, everybody would know it. And he could do so much for me, and then I would not be alone. Then I could be all right alone.I reckon if theres ere a man or woman anywhere that He could turn it all over to and go away with His mind at rest, it would be Cora. And I reckon she would make a few changes, no matter how He was running it. And I reckon they would be for mans good. Leastways, we would have to like them. Leastways, we might as well go on and make like we did.The wagon moves; the mules ears begin to bob. Behind us, above the house, motionless in tall and soaring circles, they diminish and disappear.We go on, with a motion so soporific, so dreamlike as to be uninferant of progress, as though time and not space were decreasing between us and it.I heard that my mother is dead . I wish I had time to let her die. I wish I had time to wish I had. It is because the wild and outraged earth too soon too soon too soon. She cried hard, maybe because she had to cry so quiet; maybe because she felt the same way about tears she did about deceit, hating herself for doing it, hating him because she had to. And then I knew that I knew. I knew that as plain on that day as I knew about Dewey Dell on that day.It is as though the space between us were time: an irrevocable quality. It is as though time, no longer running straight before us in a diminishing line, now runs parallel between us like a looping string, the distance being the doubling accretion of the thread an not the interval between.Because it is not us that can judge our sins or know what is sin in the Lords eyes. She has had a hard life, but so does every woman. But youd think from the way she talked that she knew more about sin and salvation than the Lord God Himself, than them who have strove and labored with the sin in this human world.While I waited for him in the woods, waiting for him before he saw me, I would think of him as dressed in si n. I would think of him as thinking of me as dressed also in sin, he the more beautiful since the garment which he had exchanged for sin was sanctified. I would think of the sin as garments which we would remove in order to shape and coerce the terrible blood to the forlorn echo o the dead word high in the air. Then I would lay with Anse again - I did not lie to him: I just refused, just as I refused my breast to Cash and Darl after their time was uphearing the dark land talking the voiceless speech. I give that money. I thought that if I could do without eating, my sons could do without riding. God knows I did.It had been dead eight days, Albert said. They came from some place in Yoknapatawpha County, trying to get to Jefferson with it. It must have been like a piece of rotten cheese coming into an anti-hill, in that ramshackle wagon that Albert said folks were scared would fall all to pieces before they could get it out of town, with that home-made box and another fellow with a broken leg lying on a quilt on top of it, and the father and a little boy sitting on the seat and the marshal trying to make them get out of town.Jewel came back. He was walking. Jewel hasnt got a horse anymore. Jewel is my brother. Cash is my brother. Cash has a broken leg. We fixed Cashs leg so it doesnt hurt. Cash is my brother. Jewel is my brother too, but he hasnt got a broken leg.When I went to find where they stay at night, I saw something that Dewey Dell says I mustnt never tell nobody. Life was created in the valleys. It blew up into the hills on the old terrors, the old lusts, the old despairs. Thats why you must walk up the hills so you can ride down.Sometimes I aint so sho whos got ere a right to say when a man is crazy and when he aint. Sometimes I think it aint none of us pure crazy and aint none of us pure sane until the balance of us talks him that-a-way. Its like it aint so much what a fellow does, but its the way the majority of folks is looking at him when he does it.She looked pretty good. One of them black eyed ones that look like shed as soon put a knife in you as not if you two-timed her. She looked pretty good.Yes yes yes yes yes yes yes.Its Cash and Jewel and Vardaman and Dewey Dell, pa says, kind of hangdog and proud too, with his teeth and all, even if he wouldnt look at us. Meet Mrs Bundren, he says.

With reference to schizophrenia, how effective is the DSM-IV-TR as a Essay

With reference to schizophrenia, how effective is the DSM-IV-TR as a diagnostic tool - Essay Example Unfortunately, there are no laboratory tests that can diagnose this problem and distinguish from other such problems such as bipolar disorder. For this purpose the American Psychiatric Associations have formulated a manual that can be used by a physician for diagnosis to assess their emotional past and current symptoms. The Diagnostic and Statistical Manual of Mental Disorders, 4th Edition, Text Revision (DSM-IV-TR) is the manual used to diagnose mental illnesses. It was first published in the year 1952 by the American Psychiatric Association. This manual has been revised several times, and presently the latest version is referred to as the DSM-IV. The general content of the manual is a list of clinical entities that have been built up and defined by psychiatrists, psychologists and doctors. In fact these people have gathered together to bring out the lists of criteria especially the common signs and symptoms that need to be present for a particular diagnosis to be assigned. This manual uses a multi-axial system of classification. In other words diagnoses of mental illness are made on several different axes or dimensions (Wikibooks, 2008). Diagnosing schizophrenia is hard since there is no single symptom which is exclusive to schizophrenia and there are no perfect tests for the disorder. There are two major systems presently used for the diagnosis of schizophrenia, the Diagnostic and Statistic Manual of Mental Disorders and the International Classification of Disease. In general, the diagnosis of any kind of psychological disorder requires evaluation by a trained mental-health professional. This in general is carried out through a systematic interview. Administration of array of personality tests that can even include in some cases, neuropsychological tests, and gathering of background information about the

Defintion essay on leisure time Example | Topics and Well Written Essays - 750 words

Defintion on leisure time - Essay Example Thesis statement: Do spare time or leisure time varies among countries and individuals or not. Leisure time and children: The time spent by children for leisure time activities varies depending upon factors like economic condition, culture etc. In America and Europe, children are far ahead in spending their leisure time. Compared to North Americans, East Asians are far behind in spending their leisure time. But children in European countries are above North Americans and below East Asians in leisure time usage. But when one considers elders, the senior citizens get more leisure time and engage in different types of activities. The middle aged people do not get sufficient time to engage in leisure time activities. When one considers the younger generation, they get enough time to engage in leisure time activities. The leisure time activities of children include games, sports, cultural dealings amusement and community service. In the middle-childhood, they indulge in computer usage, watching television, art activities, sports, reading, church activities, housework, shopping etc . In the journal article ‘The Benefits of Adult Piano Study as Self-Reported by Selected Adult Piano Students’ from the ERIC academic database, Peter J Jutras makes clear that: â€Å"Findings suggest that students are interested in technical improvement, but they also place high value on the enjoyment and self-growth† (Peter 1) student community shows much interest in wise usage of their leisure time. For instance, when they involve in playing piano, they does not consider it as mere enjoyment but they also consider the technical improvement and self-growth. So, one can see that children are in fond of leisure time and really enjoy the same. But the adults engage in team sports like soccer, volleyball, basket ball etc, and women spend time for

My Values, Beliefs, Clinical Gestalt with Individuals and Systems Essay Example for Free

My Values, Beliefs, Clinical Gestalt with Individuals and Systems Essay Becoming a successful clinician is like a work in progress, a clinician should never consider it completed. There is always room to learn, to grow, and develop while working in the Human Services field. The knowledge that a clinician learns comes not only from education but also from experiences and time working in the field. Overtime, a clinician can expect to look at his or her own beliefs, values, and experiences as well as family, cultural dynamics, and background. The main reason a person continues to learn and obtain knowledge, is because of the array of clients a clinician sees. In the textbook, I had to complete exercises that discussed our values and beliefs and how they will affect and interact with our professional lives. The values that are in my life affect and make me whom I am. Several values that bounce between my professional and personal life and some that do not. There are also some values that I need to improve on which will help me in both my professional and personal lives My most important values and beliefs are: -Be respectful -Be open-minded -Be trustworthy -Always do my best -Have a big heart -Work hard -Enjoy life However, the most important thing is to make my values and beliefs flexible so that I can view the clients and better assist them. This is not always an easy task to do, but because of my experiences and my education, I continue to make progress. A clinician takes the ability to adapt and be flexible with your own personal beliefs and values. My experiences in life have always revolved around helping things, whether it was people or animals. My parents use to tell me, and showed by old family videos that I was the biggest tomboy and helper around our family farm. From a very young age, I was often found helping my parents on the farm rather than playing with Barbie Dolls. I would do all types of work on the farm such as feed animal, clean the barn, and milk the cows. These items helped either animals or people. Being raised on a dairy farm, encouraged me to work hard. Once I started high school my hard work did not stop at the farm, I got my first job away from working on the dairy farm. I am still employed at the job and once again because of my hard work I have had several promotional experiences within the company. I have always been a hard worker at everything I do and have learned many of my values and beliefs. Another textbook exercise that I completed discussed how my own family and my culture background will affect my ability to respond and connect with clients. I have learned that how I view others and makes me comfortable when working with clients has to do with how and where I was raised. My cultural background can include my education, social behaviors, ideas, and viewpoints. For example, in one of the exercises I was asked how I would feel working with a client who was African American or a client who was gay. All these items are affected by how I was raised, and my cultural background. Society also influences the lives we live and how we view other individuals. Textbook exercises were also completed concerning this. I have learned that society we live in shape, who we are, just like cultural backgrounds, beliefs, and values. Society can be described as the world, and community we live in. One example of society affecting our beliefs is with same sex marriages. This is a very controversial topic of society. For a very long time, society said same sex marriages are not okay, and recently they are becoming accepted. Because society is saying that it is now acceptable, the people in the communities are affected by this and their viewpoints may be altered. While working with clients a clinician needs to keep their cultural backgrounds and society out of their mind. Clinicians will experience working with clients of all types. It is important to remember that each client seen is different even if diagnoses, traits, characteristics, or anything else is similar. No two cases are alike. Clinicians will work with individuals with physical, mental, psychological, emotional, and verbal, and many other types of individuals. My job as a clinician is important. I need to remember that everything that shapes whom I am is important but private and should not be â€Å"worn on my sleeve. † Everything I do in life affects how I am shaped and how I view others. My values, beliefs, experiences, and the society also affect me. Keeping an open mind, and be understanding toward my clients is an important role and I will continue to devolve this in my experiences.

The Feeling of True Love :: Papers

The Feeling of True Love A palpable feeling in the air, anxiety for the babies to be born. As a little head starts to appear, it seems just like a phantasm that the babies are arriving, to the many people watching this birth. As the first baby appears, the new mother starts crying, so happy to have a new little girl to welcome into this world. Then as she unwillingly hands her new daughter to the nurse for cleaning up, she goes back into labor. She puts all of her effort, strength, and love into bringing her remaining child into this world. As the last toe comes out, the new mother of the twins sighs seeing her perfect baby boy with all his fingers and toes. As she holds the new twins close to her, she gives up her life to taking care of these two, with all of her love and affection. "Suzy and Bob," she murmurs. At the sight of their mother's kind eyes and open arms, the two infants fall in love with her. And this is just the beginning of their life of love. As they go from their first doctor appointment to the time when they turn eighteen months, they experience a lot of love. Every night their mom and dad come and tuck them into their individual wooden cribs. As the twins snuggle down under the warm pink and blue blankets, their mother kisses them on their forehead and whispers "I love you" into their delicate ears. Then their dad comes along, says "Good night, sleep tight," and kisses them as gently as any man with a beard could.

Friedman’s Discussion of Globalization and Flattening Essay

Globalization is regarded by its critics as a force which is extending the gap between the world’s rich and poor. In some ways, this has been true, especially throughout the first decade of the post-Cold War Era. The opening of gateways to the East created a relationship between the corporate partners throughout the globe that concentrated the spoils of free-trade into the hands of the wealthy. But in Thomas Friedman’s 2005 meditation on the topic, The World is Flat, there is evidence that in fact, the intended products of globalization such as a greater distribution of knowledge resources and a leveling of the technological playing field are beginning to surface. This latter product of free trade, the ‘leveling’ effect is that which informs Friedman’s title theme. The world has become flat by its increasing smallness. The economic, political, cultural and tele-communicative interconnectivity of nations is gradually eroding many of the geographic obstacles to popular progress. The strands of globalization, the New York Times journalist observes, have contributed to a broadening of access to independent entrepreneurialship and opportunity. Though many of the subjects of the author’s analysis are large American multi-national corporations, there is an evident transition in which knowledge-based internet startup enterprises from across the globe are undermining the more monopolistic proclivities of the American market. In nations such as India and China, American exploitation of lower operational, environmental and labor-oriented costs in the technological sector has caused a proliferation of such resources to the general public. This, in turn, is becoming a hotbed of alternative market action which will ultimately dismantle the superiority of the American economy. According to Friedman’s analysis, a core detriment to the U. S. economy, but a boon to independent operations overseas, has been a disregard for American private conceptions of property rights. From counterfeiting of American name brand consumer goods to pirate telecommunication infrastructural apparatuses, the bureaucratic vulnerabilities to effective globalization are numerous. Both partners in a free-trade circumstance stand to lose economic opportunity in the presence of such market subversions. Thomas Friedman’s text is eye-opening insofar as so many of the matters which he discusses may be directly implicated in the experiences of our everyday lives. In fact, this is the ‘flattening’ principle of which the author speaks, dictating that the public experience rather than simply large institutional abstractions are shaping the context in which we live our lives. Such is to suggest that the technological, educational, informational and recreational freedoms which have traditionally be reserved for those on the upper echelon of both their domestic setting and international geography are increasingly becoming democratic. However, in contrast to Friedman’s general tenor of optimism, his sarcasm only hints at the current consequences of globalization for so many individuals. This discussion is a reflection on Friedman’s text as informed by my own conception of globalization which brings future opportunity at the expense of current human dignity, personal satisfaction and even American prosperity. Therefore, the discussion will be oriented toward elucidating globalization’s internally contradictory nature. Just as it enriches one demographic in a developing nation, it facilitates the targeted abuse of another. Just as it endows us with a heretofore unseen capacity for self-sufficiency, it likewise robs us of the capacity to control the level of satisfaction which we achieve when relating to the commercial world. In the flattening of the global horizon that Friedman lauds as the eventual path to a shared standard of living and prosperity, there is the need for a greater analytical emphasis on the negative forces that are driving individuals to increasingly attempt to find their own pathways to social and commercial interaction. Friedman’s discussion, as we will see, is focused on demonstrating the permeation of benefits to the collective world community in free trade. This is quite supportable from a macrolevel standpoint. Indeed, nations engaged in free trade would do well to support one another in a mutuality of benefit. Certainly, as was illustrated by the economic phenomena of the 1990s’, the expansion of a single large market through a boom of technological progress will have the effect of disseminating to the rest of the free world. This was certainly proved to be true by the dynamic of that decade, when â€Å"there was a massive investment in technology, especially in the bubble era, when hundreds of millions of dollars were invested in putting broadband connectivity around the world. † (Friedman, 6) The result is what is seen as surfacing today. More than the United States, it is the world community which is producing the knowledge workforce of the future. And though Friedman is forthcoming in making that foreboding case, it is important that we expound upon this subject further in this discussion by acknowledging that globalization and the ‘flattening’ effect are not of a uniform pattern. Even as the proliferation which the author discusses is taking place, it has done so with a multitude of consequences that can neither said to have been desire nor can be said to have stimulated greater equality. Friedman, whom by his text we may suggest is a supporter of the ultimate purpose of globalization, makes the technological attribution that â€Å"it was actually the coincidence of the dot-com boom and the Telecommunications Act of 1996 that launched the fiber-optic bubble. † (67) Friedman observes that the collective telecom industry invested roughly 1 trillion dollars in half a decade on ‘wiring the world. ’ (67) The deregulation in the 1996 American domestic legislation, which allowed so many larger companies to enforce hostile consolidation measures in a vast array of theretofore legally unapproachable markets, would coincide with the unfettered capital investment in global internet penetration that has ultimately elevated private sector rights over public rights while simultaneously helping to bring other nations to an eventually greater infrastructural promotion of internet access than would be found in the United States. In some manner, this is borne out by a pattern with incredibly broad-based implications for American consumer and job markets. Today, we have seen and experienced the wholesale transfer of our Customer Service industry to fledgling globalizing economies such as that in India. Here, major computer retailers, cable company operators, wireless communication device providers, bank/credit cards merchants and virtually every other monopolistic corporate industry in America is forced to maintain its competitive advantages by commissioning outsourced Customer Service agents located in India. It is their charge to replicate the experience of an American calling a support technician with an intimate relationship with the product in question. This is accomplished with, as Friedman reveals, intensive training in the adoption of linguistic, dialectic and etiquette-related behaviors designed to facilitate comfort for the American caller. â€Å"The Indian call center operators adopt Western names of their own choosing. The idea, of course, is to make their American or European customers feel more comfortable. † (22) Amongst the many indicators that cultural flattening would play a part in this transition of labor, the concept of taking on an Americanized name in the interests of facilitating the core consumer target is not only remarkable but intensely objectionable from the outside perspective, particularly when this outside perspective is informed by the sense of autonomy and individuality typically affiliated with western philosophy. However, for the subjects described in Friedman’s book, an aspect of the western philosophy perhaps more indicative of its cultural interest is the economic opportunity afforded to the hundreds of thousands of young Indian post-graduates competing for the chance to answer phone calls from Americans concerned with all manner of technical support or target marketing. This relatively low-level and typically micro-managed field in America has become amongst the most competitive entry-level positions in India. And in one sense that Friedman captures in the theoretical framing of his text, this is an opportunity for personal economic mobility which for the young student in India might have been seen as extraordinary and rarified just a decade ago. This may hardly be said to be true today, where â€Å"245,000 Indians are answering phones† 24 hours a day and charged with responsibility of representing themselves as being located somewhere in the United States. (24) From a personal perspective, this has produced an incredible dearth of quality service in the United States, where the usability of our products has become increasingly distant from the quality of the Customer Support which we have received. One of the qualities of our technology which Friedman believes has helped to diminish the relevance of geographical distance to serviceability has been the institution of automated Customer Service. For those of us who have been transferred and given insufficient options for contending with specific categories of problem, this has hardly been an added convenience. And the infallibly polite computerized operator is equally as unflappable or emotionally unresponsive as is the outsourced Customer Service representative. In a particularly telling passage where Friedman observes a woman in an Indian call center as caller after caller hangs up the phone in rage, we can see that there is something about this experience that can be excruciating and even unfair. It may be noted that Friedman does a very effective job at distinguishing between the economic, the sociological and the technological factors which have rendered our current level of global flatness. He acknowledges that there were world events which would make the type of collaboration now essential between the United States and India a natural matter of happenstance. Friedman describes the so-called Y2K crisis in which it was feared that a lack of programming foresight would result in the incorrect resetting of the world’s computer-based internal clocking mechanisms, creating the likelihood of widespread technical failure throughout the world. Thus, â€Å"with Y2K bearing down on us, America and India started dating, and that relationship became a huge flattener, because it demonstrated to so many different businesses that the combination of the PC, the Internet, and fiber-optic cables had created the possibility of a whole new for of collaboration horizontal value creation: outsourcing. † (108) So we must yield to the fact that, truly, globalization can hardly be avoided. The scope of consumer need does truly require a greater scope of consumer service, and the Indian economy does have the correct workforce makeup to address this need. But when combined with the expansion of private rights, courtesy of such legislation as the 1996 Act, this has created a frustrating sense for the consumer that ‘flattening’ requires a considerable decline from the experiences to which Americans have grown accustomed. Perhaps the overarching presence in Friedman’s text is the intimation that these factors which are impacting our lives and the affecting the shift of world order are of an inevitable nature. The ten factors which are identified as the flattening mechanisms of the changing globe are largely technological and economic forces with broad social and cultural implications. However, these latter qualities are merely the secondary consequence of a circumstance committed to by former. Such is to say that the proliferation of western culture, though certainly not accidental, is merely incidental. Referring once again to the problematic case of outsourcing Customer Support services, we can see that the imposition of American culture is only due to the need to cater to the American consumer. In reality, though Indian culture is threatened by subversion, it is American culture which is being co-opted for reasons having little to do with cultural expression. As a result, the American identity has been trivialized and largely represented as being tantamount to the conveyance of commercial interest. One of the core revelations offered by this text, at least when placed in the context of the general American’s everyday experience, is that the flattening which has occurred must necessarily come at the expense of the American’s staunch sense of individuality and belief in personal entitlement. Works Cited: Friedman, T. (2005). The World is Flat: A Brief History of the 21st Century. Farrar, Straus and Giroux.

Big Bang theory and the problem of nothingness Essay

The question of why there is something rather than nothing concerns with the creation of things in the universe – we know that all things come from other things, objects are made by humans, tress grow from seeds, etc. If the human mind traces back the roots of all these things, the causes of all these things, it will always come to an idea of a Maker – and for years the idea of the Maker has been held by God. But then, even the idea of a God or a Maker is dubious – who made the Maker? Yet, how can there always have been a something in the first place? Or do we conceive a state of nothingness? That out of nothing comes something, probably the first maker or cause. The problem lies in how something can come out of nothing. A theory to sufficiently answer the question of nothingness must first prove that it indeed start out with nothing. The Big Bang Theory provides a model by which there seems to be nothing, and out of that nothingness came something – the formation of the cosmos and everything we know of. However, if the Big Bang Theory is true, it still does not answer the question of why there is something rather than nothing. The Big Bang Model is the widely accepted theory of the universe’s evolution, with its premise that the universe started out as dense and hot state that has been expanding for about 14 billion years. First of all, the Big Bang Theory starts out with something – a particle, a hot and dense space. At its most basic level it already does not fulfill the requirements of nothingness. There could be nothing in that hot dense space – nothing material that our senses could perceive or our minds can imagine, but the laws of science tell us that all energy is transferred, nothing is lost. Therefore, the energy of the hot dense space is what created other objects in space – the energy simply evolved or transferred. This proves that there is something rather than nothing even in the Big Bang Theory. This seems to be a tautological argument, but consider this – can nothingness expand? If the tenets of Big Bang Theory be considered, the question still arises – does nothingness have properties? Does nothingness have temperature? If the universe came from a hot, dense space, then it is not nothingness because nothingness does not have any properties – nothingness does not exist. Any existence of a supposed property of nothingness defeats its state of nothingness. Therefore, the Big Bang Theory is just a substitute for the idea of a Maker – if we do not believe in God the Creator and subscribe to science instead, Big Bang is a good choice, but it still poses the question: where did the hot, dense space come from? Or at least, where did the heat and density come from? It seems then that the question of nothingness is still not solved.

CATALASE AND THE DECOMPOSITION OF H2O2 Essays - Disinfectants

CATALASE AND THE DECOMPOSITION OF H2O2 Essays - Disinfectants NAME: CLASS : DBT 4A DATE SUBMITTED : 14 AUG 2015 EXPERIMENT 4:CATALASE AND THE DECOMPOSITION OF H2O2 (VIRTUAL) PROCEDURE 1.Fill the beaker with water and 5ml of hydrogen peroxide. 2.Pipette 1ml of catalase enzyme into the beaker. 3.After 10 seconds, add sulfuric acid into the beaker. 4.Using titration method, check the presence of hydrogen peroxide in beaker. 5.Fill the burette with 5ml of potassium permanganate ( KMnO4). 6.Add KMnO4 drop by drop into the beaker until the H2O2 become purple color. 7.Record the data. 8.Repeat the step 1 until step 7 for 30, 60, 90, 120 and 180 seconds. RESULTS Determination of catalase activity Time (s)10306090120180 Initial reading of KMnO4 (ml) 5 5 5 5 5 5 Final reading of KMnO4 (ml) 0.5 1.5 3 4 4.5 4.9 Amount of H2O2 that reacts with KMnO4 (ml) 4.5 3.5 2 1 0.5 0.1 Amount of H2O2 that was broken down by catalase 0.5 1.5 3 4 4.5 4.9 Amount of KMnO4 (ml) used 4.5 3.5 2 1 0.5 0.1 Rate determination Time intervals (s)0 - 1010 - 3030 - 6060 - 9090 -120120 - 180 Rate (ml/s)0.45 0.180.070.030.021.67 X 10-3 Calculation : Amount of H2O2 that reacts with KMnO4 (ml) = Rate (ml/s) Time 1)4.5ml 10 - 0 = 0.45 ml/s Graph DISCUSSION The purpose of this experiment is to study the rate of enzyme catalase which involves in hydrolyzing process. This means that to determine the time taken for the catalase to breaks down hydrogen peroxide into water and oxygen. Amount of hydrogen peroxide that was broken down by catalase determined by the production of the bubbles. While the amount of remaining hydrogen peroxide measured by the help of potassium permanganate. Which means that amount of potassium permanganate needed to change the color of the catalase solution to purple is the remaining amount of hydrogen peroxide. Substrate of this experiment is the hydrogen peroxide while the products are water and oxygen gas. When the catalase enzyme is added to the beaker which contains water and hydrogen peroxide bubbling in the solution can be observed. The production of bubbles shows the process of breaking down of hydrogen peroxide into water and oxygen gas and it is the appearance of products. For an instance, 0.5ml of hydroge n peroxide was broken down by catalase enzyme in 10 seconds. Potassium permanganate was used to measure the disappearance of hydrogen peroxide by titration method. Potassium permanganate added to the hydrogen peroxide solution drop by drop until color changes occur. The solution turns into purple color which indicate the disappearance of the hydrogen peroxide. For an example, 4.5ml of potassium permanganate is used to change the color of solution into purple. The break down of hydrogen peroxide into water and oxygen gas by catalase can be summarized as : Catalase 2 H2O2 2 H2O + O2 Potassium permanganate is an oxidizing agent. Thus, it is reduced by hydrogen peroxide to a clear solution. But as soon as the hydrogen peroxide is gone the intense purple color of the permanganate will be visible. The equation of this reaction is : 5 H2O2 + 2MnO4- + 6H+ = 5O2 + 2Mn2+ + 8H2O

How Many AP Classes Do You Need for Ivy League Schools

How Many AP Classes Do You Need for Ivy League Schools SAT / ACT Prep Online Guides and Tips At many high schools, AP courses are the toughest classes you can take. Extremely competitive colleges are looking for students who are willing to challenge themselves, so they're more likely to admit students who have taken at least a few APs. In this article, I'll go over how many AP classes Ivy League schools expect you to take and how these expectations can change based on the conditions at your high school. How Many AP Courses Do Ivy League Schools Expect Students to Take? There’s no concrete answer to this question because itdepends on how many APs your school offers and how many of them your classmates are taking.Ivy League schools want to admit the best students in the country while also maintaining diversity in their student bodies. They will only consider students who are performing at the top of their high school classes, but they also make an effort to admit applicants from a wide range of different environments and types of schools. You might only take two AP classes your senior year because those are the only ones available to you.In this case, you will compare favorably to other students at your high school since you’re making the most of your opportunities (and no one else will be taking more APs than you). A student at another high school who elects to take three AP classes senior year might not look as goodifother students at the same school are taking five. When admissions officers look at applicants from a certain secondary school, they may use the fact that one student took fewer AP classes than others in the group as an excuse to demote that student to the waitlist.This isn't always the case, though. If you take three AP classes in core subject areas, and someone else takes five but two of them were irrelevant to that student's interests, schools probably won't make much of a distinction between you.Top colleges are looking for students who have taken advantage of their opportunities, which means taking the most difficult courses available that fit with their interests. If you’re looking for a specific number of APs that you should take, it will depend on your school’s offerings, but a safe number for admission at Ivy League schools is usually between 7 and 12 AP classes throughout high school. It's best tospread out these classes over four years with the majority of them clustered in your junior and senior years.Freshman year you might take one or two AP classes if they’re available.Sophomore year you can ramp it up to two or three.Junior year, if you’re hoping to attend an Ivy League school, you should consider taking three to five AP classes in core subject areas. Avoid overloading yourself too much during your senior year because you’ll be applying to college. Still, many students who apply to Ivy League schools take five or six AP courses senior year. It's up to you todecide how much you can handle without feeling overwhelmed or dropping the ball in any of your classes. Why? Why did I do this to myself? The binders. So many binders. (Don't let this be you.) Here are some quotes from Ivy League admissions websites to give you a better sense of what these schools are looking for: Princeton Says... â€Å"We consider it a promising sign when students challenge themselves with advanced courses in high school. We understand that not all secondary schools offer the same range of advanced courses, but our strongest candidates have taken full advantage of the academic opportunities available to them in their high schools.† â€Å"Whenever you can, challenge yourself with the most rigorous courses possible, such as honors, Advanced Placement (AP) and dual-enrollment courses.† Columbia Says... â€Å"We look at a variety of factors to help us inform our decision on a candidate including: The student’s curriculum and grades - we hope to see that a student is challenging herself or himself with a rigorous course load. The context of a particular candidate, including family circumstances, secondary school, community, interests and access to resources.† Brown Says... â€Å"To assess preparedness, we review the depth and breadth of the academic learning you have undertaken thus far. We want to know whether you have taken advantage of the courses available to you in your school, and whether you have challenged yourself in advanced classes, and whether you have stretched yourself with outside-of-school educational opportunities.† â€Å"We know that curricular offerings vary from school to school. Our strongest candidates have taken full advantage of what is available to them in their own schools.† The gist of these statements is that you need to challenge yourself as much as possible in the context of the opportunities your high school provides for you. With that in mind, don't just take any and all AP courses that your school offers.Think critically about which courses are most relevant to your interests and goals. Also, make sure you’re not sabotaging your GPA by taking more classes than you can handle. I’ll gointo more detail on this in the next section. Brown University: Once you get in, you can take whatever classes you want! Are Some AP Courses Better Than Others in the Eyes of Ivy League Schools? Don't take an additional AP class on top of your regular course load if the subject doesn't interest you. Iwould advise you to take AP courses primarily in core subject areas to avoid stretching yourself too thin. Taking AP classes just for the sake of adding another AP to your course record may be damaging to your GPA as a whole. It also won't add much to your college application.Ivy League schools want you to take the most challenging classes in math, science, social studies, English, and foreign language.If you take all APs in those subject areas but skip AP Music Theory, admissions committees won’t fault you for it. Some people mistakenly believe that you should take as many AP classes as possible at all costs. You should take full advantage of your opportunities in areas thatinterest you, but you shouldn’t devote time and energy to classes that are unrelated to your goals and academic interests.Colleges want to see students who prioritize worthwhile learning experiences over hollow achievements. They're also looking for students with very high GPAs. Stay balanced: You don’t want to overload your schedule with too many hard classes and end up with lower grades overall. The eyes of the Eye-vy League are watching youuuuu. What If Your High School Doesn’t Have AP Courses? Some students worry about their chances at top colleges because their school doesn’t offer AP classes.In this situation, just take the hardest classes that are available to you.You shouldn't be concerned about the lack of APs. Colleges will understand that you didn’t have the opportunity to take them, and they can’t fault you for that. Your school may offer IB courses instead, which colleges view as being essentially equal to AP courses.As I’ve said before, Ivy League schools will compare you to other students from your high school to see how you measure up.If you’re pushing yourself as much as you can within the academic constraints of your environment, you'll still have a good chance of being accepted. A student who doesn’t have access to APs but takes high level classes throughout high school and is ranked in the top five percent of his or her class will have a better chance of attending an Ivy League school than a student who takes a few AP classes here and there and has a less impressive class ranking. If your school doesn't have APs, it's ok. Shhhh. Listen to this rock. Conclusion Ivy League schools and other competitive colleges are looking for students at the top of their high school classes who have taken the most rigorous courses.These often include AP classes. Most students who attend extremely selective schools have taken anywhere from 7 to 12 AP courses in high school, although there are exceptions to this rule.If a high school offers only a limited number of AP courses or none at all, colleges will not fault students for taking fewer of these classes.Above all, they want to see students who have challenged themselves as much as possible within the constraints of their high school curriculum. The bottom line is, if you want to attend one of the most competitive schools in the country, you should strive to take as many difficult courses as possible without overwhelming yourself and sabotaging your GPA.For some students this means taking all three of the AP classes their school offers, and for others it means choosing to take twelve AP classes out of the twenty their school offers.As long as you do the best you can to challenge yourself academically, there’s no absolute number of AP classes you need to take to be admitted to a top college. What's Next? Still trying to figure out how to structure your schedule? Learn what a rigorous course load in high school should look like. If you're hoping to be admitted to competitive colleges, it's helpful to join an honors society. Find out more about honors classes and societies that you can be a part of in high school. Your GPA is critical in the college admissions process. Read this article for more information on whether colleges consider weighted or unweighted GPAs and how this might affect you. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

The theoretical foundation of states regulatory response to the Essay

The theoretical foundation of states regulatory response to the financial crisis - Essay Example inancial crisis arises when the demand for money is more than the supply resulting in a liquidity problem forcing banks to borrow to make up for the shortfall and in some cases leading to a collapse of this banks. This results into a financial crisis. It is for this reasons that theories have been developed across the financial field on the regulatory response to the crisis. The following are some of the financial regulations that are being adopted by many nations across the globe in trying to control the financial crisis includes; liquidity risk management, money market operations by the central banks, bank insolvency regimes, financial crisis management, and the deposit insurance. This paper seeks to explore the theoretical foundation of states regulatory response to the financial crisis. The Deposit Insurance has been used as a way of regulating the financial institutions to control the financial crisis from inflicting adverse effects on the economy of a country. The deposit insurance is a measure used to protect the bank depositors in case of a financial crisis (Strater and Corneli 2008 p.46). It protects the investors from losing the money they invest in the banks in case the banks have liquidity problem and become insolvent. The Insurance deposits ensure that the investors recover the money. The deposit insurance operates by allowing the banks to deposit part of the money with the Insurance deposit to cushion them from any financial crisis that may lead to recession and closure of these banks. The United States for example protected the smaller banks from the poor states by adopting the insurance Deposit as a strategy to avert a looming financial crisis (McDonald 1996 p.19-23). Liquidity risk management theory is also a regulatory response theory to financial crisis. Liquidity is the ability of a bank to fund its assets and meets its long and short term obligation as and when they fall due. When a bank is faced with a financial crisis, it is not able to