What is VantageScore

What is VantageScore What is VantageScore? What is VantageScore?You might think that your FICO score is the only credit score out thereâ€"but youd be wrong!There are so many scores to keep track of these days! Sure, the Super Bowl score was low enough to keep track of without any trouble, but that’s far from the only score out there. You have baseball scores, basketball scores, and, perhaps most importantly, your credit score.But now there’s a new score on the block. Well, if twelve-years-old is new. It’s called your VantageScore.So what exactly is this score, and do you have to worry about it? We spoke to the experts to find out!VantageScore: Origins.To understand the creation of the VantageScore, it helps to go back to the creation of the FICO credit score, i.e., THE credit score.As we’ve explained before, lenders used to determine whether someone was credit-worthy on a very personal basis. If you wanted a personal loan from the town banker, you might have to get recommendations from other trustworthy individuals in said town.As banks and other lenders became national enterprises, it was less practical to check in with a potential client’s neighbors to find out if they returned the tools they borrowed in a timely manner.That all changed in 1956 when mathematician Earl Isaac  joined engineer Bill Fair to create Fair, Isaac, and Company. This new company began collecting financial information to create a standard credit scoring system that banks could reference when making their decisions.FICO continued to develop their credit scoring methods and in 1989, they introduced the modern FICO Score. The FICO credit score uses information gathered by the three major credit bureaus, Experian, Equifax, and TransUnion, to generate a number between 300 and 850.Cut to 2006, when those three credit bureaus decided they wanted to offer a score of their own to compete with the FICO score. They jointly created the VantageScore using their own distinct formula.“Originally it was meant to be a much more consu mer-friendly score, based on the rating similar to school grades (A, B, C, D, F) rather than FICO’s 300-850,” explained Todd Christensen, education manager for Money Fit. Those grades were based on a 501 to 990 scale. The more recent iterations use a scale that’s much more similar to FICO’s score.FICO took some issues with all of this and sued the company that administers VantageScore. After years in court, VantageScore emerged victorious and now stands as an alternative to FICO scores that lenders may consider.The Vantage advantage.Now that you know the history of the two credit scores, both alike in dignity, how do they differ today?“VantageScores are grouped into six categories and each category has a different influence on the credit score,” advised Katie Ross, Education and Development Manager at  American Consumer Credit Counseling. “VantageScore is able to get a score from one month’s history and an account that that has reported at least once in the last 24 m onths.”This is in contrast with the FICO score, which requires at least six months of credit history to generate a score. The factors that go into creating a VantageScore are also not broken down in terms of percentages like they are for your FICO score.Ross told us roughly how heavily the different VantageScore factors are weighted:“Payment history: extremely influential.Age and type of credit: highly influential.Percentage of credit limit used: highly influential.Total balances and debt: moderately influential.Recent credit behavior and inquiries: less influential.Available credit: less influential.”So are VantageScores a better way to assess credit-worthiness than FICO Scores? It’s up for debate, though you likely won’t have a choice in the matter unless you’re the lender in a potential loan transaction.“The problem is, it is essentially for ‘educational purposes’ only, since no lenders that I know of actually use the score in their credit-based decisions,” Ch ristensen told us. “Still, it can serve some great purposes to help consumers.”That may be quickly changing if VantageScore itself is to be believed. They’ve found that there has been a 300 percent increase in use by lenders and other individuals or institutions looking to review applicants’ credit scores. That’s why you might as well try to improve your VantageScore as well.How to take advantage of VantageScore.Thankfully, the steps you’ll take to improve your VantageScore are all pretty similar to the steps you’d take to improve your FICO score.We’ll let Ross list those steps:“Make payments on time.Pay off your credit cards in full each monthnot just the minimum!Avoid credit card debt. Only spend what you can afford.Use credit for small, routine purchases and pay them off immediately.Limit the number of open accounts.Check credit reports remove errors.Beware of unsolicited increases to your credit limit.Don’t max out your cards. Maintain a good credit utilizat ion ratio (don’t exceed 30% of available credit).”It might be hard enough keeping track of one credit score. Thankfully, as long as you’re paying your bills on time and using your credit responsibly, both of your scores should grow.Your credit score is important.Good credit is the foundation for a positive financial outlook. With a healthy score, you can borrow more money at lower rates and qualify for the best credit cards. Not only that, but itll help you get that sweet new apartment you have your eye on.If your credit score is lousy, on the other hand, youll find your lending options are pretty limited. Thats how people end up relying on short-term bad credit loans and predatory no credit check loans like payday loans, title loans, and cash advances to make ends meet.Thats something you really want to avoid. Trust us. To learn more about managing your credit score, check out these related posts and articles from OppLoans:How to Build Credit When You Have No Credit at AllNo Credit Card? Here Are 6 Ways You Can Still Fix Your Credit ScoreCredit Utilization Ratio: What It Is, Why It’s Important, and How to Master ItWant to Raise Your Credit Score by 50 Points? Here Are Some TipsHave a question about credit scores? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsAuthor and Accredited Financial Counselor ®, Todd R. Christensen, MIM, MA, is Education Manager at  Money Fit (@MoneyFitbyDRS) by DRS, Inc, a nationwide nonprofit financial wellness and credit counseling agency. Todd develops educational programs and produces materials that teach personal financial skills and responsibilities to all ages. Having facilitated nearly two thousand workshops since 2004 on the fundamentals of effective money management, he based his first book, Everyday Money for Everyday People (2014), on the discussions, tips, stories and ideas shared by the tens of thousands of individuals and couples in attendance.Katie Ross  joined the  American Consumer Credit Counseling  management team in 2002 and is currently responsible for organizing and implementing high-performance development initiatives designed to increase consumer financial awareness. Ms. Ross’s main focus is to conceptualize the creative strategic programming for ACCC’s client base and national base to ensure a maximum level of educational programs that support and cultivate ACCC’s organization.

What is VantageScore

What is VantageScore What is VantageScore? What is VantageScore?You might think that your FICO score is the only credit score out thereâ€"but youd be wrong!There are so many scores to keep track of these days! Sure, the Super Bowl score was low enough to keep track of without any trouble, but that’s far from the only score out there. You have baseball scores, basketball scores, and, perhaps most importantly, your credit score.But now there’s a new score on the block. Well, if twelve-years-old is new. It’s called your VantageScore.So what exactly is this score, and do you have to worry about it? We spoke to the experts to find out!VantageScore: Origins.To understand the creation of the VantageScore, it helps to go back to the creation of the FICO credit score, i.e., THE credit score.As we’ve explained before, lenders used to determine whether someone was credit-worthy on a very personal basis. If you wanted a personal loan from the town banker, you might have to get recommendations from other trustworthy individuals in said town.As banks and other lenders became national enterprises, it was less practical to check in with a potential client’s neighbors to find out if they returned the tools they borrowed in a timely manner.That all changed in 1956 when mathematician Earl Isaac  joined engineer Bill Fair to create Fair, Isaac, and Company. This new company began collecting financial information to create a standard credit scoring system that banks could reference when making their decisions.FICO continued to develop their credit scoring methods and in 1989, they introduced the modern FICO Score. The FICO credit score uses information gathered by the three major credit bureaus, Experian, Equifax, and TransUnion, to generate a number between 300 and 850.Cut to 2006, when those three credit bureaus decided they wanted to offer a score of their own to compete with the FICO score. They jointly created the VantageScore using their own distinct formula.“Originally it was meant to be a much more consu mer-friendly score, based on the rating similar to school grades (A, B, C, D, F) rather than FICO’s 300-850,” explained Todd Christensen, education manager for Money Fit. Those grades were based on a 501 to 990 scale. The more recent iterations use a scale that’s much more similar to FICO’s score.FICO took some issues with all of this and sued the company that administers VantageScore. After years in court, VantageScore emerged victorious and now stands as an alternative to FICO scores that lenders may consider.The Vantage advantage.Now that you know the history of the two credit scores, both alike in dignity, how do they differ today?“VantageScores are grouped into six categories and each category has a different influence on the credit score,” advised Katie Ross, Education and Development Manager at  American Consumer Credit Counseling. “VantageScore is able to get a score from one month’s history and an account that that has reported at least once in the last 24 m onths.”This is in contrast with the FICO score, which requires at least six months of credit history to generate a score. The factors that go into creating a VantageScore are also not broken down in terms of percentages like they are for your FICO score.Ross told us roughly how heavily the different VantageScore factors are weighted:“Payment history: extremely influential.Age and type of credit: highly influential.Percentage of credit limit used: highly influential.Total balances and debt: moderately influential.Recent credit behavior and inquiries: less influential.Available credit: less influential.”So are VantageScores a better way to assess credit-worthiness than FICO Scores? It’s up for debate, though you likely won’t have a choice in the matter unless you’re the lender in a potential loan transaction.“The problem is, it is essentially for ‘educational purposes’ only, since no lenders that I know of actually use the score in their credit-based decisions,” Ch ristensen told us. “Still, it can serve some great purposes to help consumers.”That may be quickly changing if VantageScore itself is to be believed. They’ve found that there has been a 300 percent increase in use by lenders and other individuals or institutions looking to review applicants’ credit scores. That’s why you might as well try to improve your VantageScore as well.How to take advantage of VantageScore.Thankfully, the steps you’ll take to improve your VantageScore are all pretty similar to the steps you’d take to improve your FICO score.We’ll let Ross list those steps:“Make payments on time.Pay off your credit cards in full each monthnot just the minimum!Avoid credit card debt. Only spend what you can afford.Use credit for small, routine purchases and pay them off immediately.Limit the number of open accounts.Check credit reports remove errors.Beware of unsolicited increases to your credit limit.Don’t max out your cards. Maintain a good credit utilizat ion ratio (don’t exceed 30% of available credit).”It might be hard enough keeping track of one credit score. Thankfully, as long as you’re paying your bills on time and using your credit responsibly, both of your scores should grow.Your credit score is important.Good credit is the foundation for a positive financial outlook. With a healthy score, you can borrow more money at lower rates and qualify for the best credit cards. Not only that, but itll help you get that sweet new apartment you have your eye on.If your credit score is lousy, on the other hand, youll find your lending options are pretty limited. Thats how people end up relying on short-term bad credit loans and predatory no credit check loans like payday loans, title loans, and cash advances to make ends meet.Thats something you really want to avoid. Trust us. To learn more about managing your credit score, check out these related posts and articles from OppLoans:How to Build Credit When You Have No Credit at AllNo Credit Card? Here Are 6 Ways You Can Still Fix Your Credit ScoreCredit Utilization Ratio: What It Is, Why It’s Important, and How to Master ItWant to Raise Your Credit Score by 50 Points? Here Are Some TipsHave a question about credit scores? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsAuthor and Accredited Financial Counselor ®, Todd R. Christensen, MIM, MA, is Education Manager at  Money Fit (@MoneyFitbyDRS) by DRS, Inc, a nationwide nonprofit financial wellness and credit counseling agency. Todd develops educational programs and produces materials that teach personal financial skills and responsibilities to all ages. Having facilitated nearly two thousand workshops since 2004 on the fundamentals of effective money management, he based his first book, Everyday Money for Everyday People (2014), on the discussions, tips, stories and ideas shared by the tens of thousands of individuals and couples in attendance.Katie Ross  joined the  American Consumer Credit Counseling  management team in 2002 and is currently responsible for organizing and implementing high-performance development initiatives designed to increase consumer financial awareness. Ms. Ross’s main focus is to conceptualize the creative strategic programming for ACCC’s client base and national base to ensure a maximum level of educational programs that support and cultivate ACCC’s organization.

Racism Is A Common Cause Of Racism - 1373 Words

Racism is one of the world’s major issues as of today. Many people are not aware of how much racism still exists in our work, schools or anywhere else where our social lives are happening. It is obvious that racism is bad as it was many decades ago, but it sure has not stayed away from all of us. Racism still exists and it is about time that people need to start thinking about ways to get a solution to this matter. There could be a debate that people were brought into the world as a racist or not. However it is not the case at all. In fact, no one can be born a racist. People learn by becoming one as they grow from child to adulthood. Mainstream, institutions, or government, and even some hidden events in Canada’s past are a few of the possible instigations and solutions to racism. Frustration is a very common cause of racism. If one is having this type of social issue, they tend to get very angry with people and the problem is that some may not be even concerned with their situation. For example, when a person is having a tough time in terms of the economic, people find a way and blame immigrants for taking away their jobs or creating fewer opportunities. This type of an analysis is very easy to make but when one makes this assumption, it usually leads to hate towards any minority group. The psychological factor can kick in, and find a way to be disturbed which can cause racism. People with tough childhood may sometimes harbor anger and hate towards others. This is also aShow MoreRelatedRacism in America Essay1075 Words   |  5 Pagestimes more likely to wind up in prison than white youths arrested for the same crime under the same circumstances. Many people are unaware how constant racism has been throughout the years. It is important to understand the pro blems of racism because it is relevant to society. Racism in America is very real and Americans need to know it. Racism is a belief or doctrine that inherent differences among the various human races determine cultural or individual achievement, usually involving the ideaRead MoreRacism And The Black Youths1118 Words   |  5 Pagestimes more likely to wind up in prison than white youths arrested for the same crime under the same circumstances. Many people are unaware how constant racism has been throughout the years. It is important to understand the problems of racism because it is relevant to society. Racism in America is very real and Americans need to know it. Racism is a belief or doctrine that inherent differences among the various human races determine cultural or individual achievement, usually involving the ideaRead MoreRacism And Racism1199 Words   |  5 Pages In the United States there has always been accounts of racism with the most severe being against Black minorities. â€Å"Racism has been described as beliefs, attitudes, and individual and systemic approaches that degrade people based on the color of their skin,† (Graham Roemer, 2016, p. 369). These thoughts and attitudes have dated as far back as the 17th century where Whites heavily discriminate against Blacks because of the color of their skin. In history it has been stated by White Americans thatRead MoreThe Letter From A Birmingham Jail865 Words   |  4 Pageswrites about the causes of self-segregation. These two works have a few things in common that is discussed, such as the inferiority complex that may stem from the segregation, racism and segregation cause mistrust and contempt, and racism is the cause for segregation. These three things are common between the two works, while King writes about the injustice’s taking place, and the urgency to take action in order to fix the problem. Beverly shows that while minor compared to the past, racism still effectsRead MoreRacism s Impact On Our Society1625 Words   |  7 PagesVassar College Faculty ID Makes Everything OK†, he cites many examples of pieces of racism that he witnessed in Poughkeepsie, New York, a small town in New York on the Hudson River. This town is the last place where the stereotypes suggest racism lives, a wealthy small town in the northeast United States. Kiese Laymon looks at the experiences of black and brown people in America to highlight the effects of racism in their everyday lives. While Kiese Laymon is showing us that throughout his life heRead MoreCultural Critique- Racism803 Words   |  4 PagesCultural Critique Unfortunately, in this time and age, racism continues to be an issue in the American society, especially in the south. Since the introduction of slavery, many people have the belief that skin color determines someone’s ranking in life. After the freedom of slaves, racism became a big problem in America. As a result, other races look down upon many different cultures and ethnic groups believing that they are superior to others. Racism has lead to people discriminate against one anotherRead MoreRacial Skepticism Is The Idea That Race, As A Biological1394 Words   |  6 Pagesclassified as a biological phenomenon. Kaplan reasons that the social implications of race, like racism and racial stereotypes, create differences in allostatic load between racial groups. Allostatic load is defined as â€Å"wear and tear on the body and brain† due to stress (McEwen, 2005). In Kaplan’s argument, he explains that stressors due to racism are a biological burden that creates high allostatic load. Racism-related stressors can be easily quantifiable experiences like actively discriminatory behaviorsRead MoreFallacies : Fallacies Of Racism1303 Words   |  6 PagesValentino October 7th, 2017 Fallacies of racism in present America Humans who share a common ancestry, genetics, physical traits, relationships and social relations form a race. Racism on the other hand is the belief that one race is superior to the other. Racism results in prejudice and discrimination of the inferior race. Eventually, this leads to resentment and hatred on the superior race. A fallacy on the other hand is simply an error in argument or reasoning. Racism fallacies in America are to thisRead MoreEssay On Racism In To Kill A Mockingbird761 Words   |  4 Pages Have you ever been in a situation having to do with race? In the novel â€Å"To Kill a Mockingbird† by Harper Lee, racism is a vital role in the time this story takes place. She wrote the story based on how racism was like in her eyes as a child. In my opinion, after reading her novel, racism still takes place in America many years later. The novel starts with the introduction of two kids that live with their lawyer father. They have an African American woman who works for them in their home all dayRead MoreMy Vassar College Id Makes Everything Okay By Claudia Rankine1488 Words   |  6 PagesWhile racism is seen as a broad topic and people can generally grasp its effects on a broad scale, there are many more personal effects of racism and it effects every person differently. Each person can respond to racism in very different ways, while some may be motivated by it others may be harmed by it. In the essays â€Å"My Vassar College ID Makes Everything Okay† by Kiese Laymon and â€Å"The Meaning of Serena Williams† by Claudia Rankine, the authors analyze how people react to racism in their lives

Abraham Lincolns Historic Thanksgiving Proclamation

Thanksgiving did not become a national holiday in the United States until the fall of 1863  when President Abraham Lincoln issued a proclamation declaring that the last Thursday in November would be a day of national thanksgiving. While Lincoln issued the proclamation, credit for making Thanksgiving a national holiday should go to Sarah Josepha  Hale, the editor of Godeys Ladys Book, a popular magazine for women in 19th century America. Hales Campaign for Thanksgiving Hale, who campaigned for years to make Thanksgiving a nationally observed holiday, wrote to Lincoln on September 28, 1863, and urged him to issue a proclamation. Hale mentioned in her letter that having such a national day of Thanksgiving would establish a great Union Festival of America. With the United States in the depths of the Civil War, perhaps Lincoln was attracted to the idea of a holiday unifying the nation. At that time Lincoln was also contemplating delivering an address on the purpose of the war which would become the Gettysburg Address. Lincoln wrote a proclamation, which was issued on October 3, 1863. The New York Times published a copy of the proclamation two days later. The idea seemed to catch on, and the northern states celebrated Thanksgiving on the date noted in Lincolns proclamation, the last Thursday in November, which fell on November 26, 1863. Lincolns Thanksgiving Proclamation The text of Lincolns 1863 Thanksgiving proclamation follows: October 3, 1863By the President of the United StatesA Proclamation The year that is drawing toward its close has been filled with the blessings of fruitful fields and healthful skies. To these bounties, which are so constantly enjoyed that we are prone to forget the source from which they come, others have been added, which are of so extraordinary a nature that they cannot fail to penetrate and soften the heart which is habitually insensible to the ever-watchful providence of Almighty God. In the midst of a civil war of unequaled magnitude and severity, which has sometimes seemed to foreign states to invite and provoke their aggressions, peace has been preserved with all nations, order has been maintained, the laws have been respected and obeyed, and harmony has prevailed everywhere, except in the theater of military conflict; while that theater has been greatly contracted by the advancing armies and navies of the Union. Needful diversions of wealth and of strength from the fields of peaceful industry to the national defense have not arrested the plow, the shuttle, or the ship; the ax has enlarged the borders of our settlements, and the mines, as well of iron and coal as of the precious metals, have yielded even more abundantly than heretofore. Population has steadily increased, notwithstanding the waste that has been made in the camp, the siege, and the battlefield, and the country, rejoicing in the consciousness of augmented strength and vigor, is permitted to expect continuance of years with large increase of freedom. No human counsel hath devised, nor hath any mortal hand worked out these great things. They are the gracious gifts of the Most High God, who while dealing with us in anger for our sins, hath nevertheless remembered mercy. It has seemed to me fit and proper that they should be solemnly, reverently, and gratefully acknowledged as with one heart and one voice by the whole American people. I do, therefore, invite my fellow-citizens in every part of the United States, and also those who are at sea and those who are sojourning in foreign lands, to set apart and observe the last Thursday of November next as a Day of Thanksgiving and Praise to our beneficent Father who dwelleth in the heavens. And I recommend to them that, while offering up the ascriptions justly due to Him for such singular deliverances and blessings, they do also, with humble penitence for our national perverseness and disobedience, commend to His tender care all those who have become widows, orphans, mourners, or sufferers in the lamentable civil strife in which we are unavoidably engaged, and fervently implore the interposition of the Almighty hand to heal the wounds of the nation, and to restore it, as soon as may be consistent with the Divine purposes, to the full enjoyment of peace, harmony, tranquility, and union. In testimony whereof, I have hereunto set my hand and caused the seal of the United Stated States to be affixed. Done at the city of Washington, this third day of October, in the year of our Lord one thousand eight hundred and sixty-three, and of the Independence of the United States the eighty-eighth. -Abraham Lincoln

St Augustine and Classical Education - 1040 Words

Saint Augustine and Classical Education In Saint Augustines deeply personal work, Confessions, he shares the story of his life up to his eventual conversion to the Christian faith. His odyssey through life is, at times, one of bitter inner conflict between his intellect and faith. Augustines classical education had a profound affect on the way he viewed the world, and eventually had a major affect on the way he approached Christianity. He is definitely an intellectual Christian, and viewed many aspects of his faith from this perspective. Augustines attitude towards classical literature and thought was at times slightly self-contradictory. It is clear, however, that although he was grateful for the education he was given, it was†¦show more content†¦Other than Christianity, his education was the most important factor that shaped his early life. Augustine would have been a different man without this education, and without it his conversion would also have been different. His circuitous route to his final acceptan ce of God would have been far less significant were it not for this long and difficult intellectual struggle. It is clear that his education in rhetoric provided him with the skills necessary for shaping Confessions into a highly persuasive work. Confessions is not only a self-analysis, but also a testimony to the power of the Lord. Augustine wanted his readers to be fully convinced that the ultimate and only Truth was what he had discovered after his years of conflict between philosophy and faith. His credo, I believe in order that I may understand, (VI, 127) said much about his attitude towards the relationship between faith and reason. When Augustine made the decision to fully convert to Christianity in Book VIII, it was truly a leap of faith. He knew then that he had to leave part of his philosophical pursuits behind and commit himself fully to Christ. For I felt that I was still the captive of my sins, and in my misery I kept crying ‘How long shall I go on saying, tomorrow, tomorrow? Why not now? Why not make an end of myShow MoreRelated St Augustine and classical education Essay1029 Words   |  5 Pages nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;Saint Augustine and Classical Education nbsp;nbsp;nbsp;nbsp;nbsp;In Saint Augustine’s deeply personal work, Confessions, he shares the story of his life up to his eventual conversion to the Christian faith. His odyssey through life is, at times, one of bitter inner conflict between his intellect and faith. Augustine’s classical education had a profound affect on the way he viewed the world, and eventually had a major affect on theRead MoreSaint Augustine Essays719 Words   |  3 PagesSaint Augustine Saint Augustine, b. Nov. 13, 354, d. Aug. 28, 430, was one of the foremost philosopher-theologians of early Christianity and, while serving (396-430) as bishop of Hippo Regius, the leading figure in the church of North Africa. He had a profound influence on the subsequent development of Western thought and culture and, more than any other person, shaped the themes and defined the problems that have characterized the Western tradition of Christian Theology. Among his many writingsRead MoreSaint Augustine : The Confessions Of St. Augustine704 Words   |  3 PagesSt. Augustine, Bishop of Hippo, is a true defender of the Catholic faith with an inspirational conversion story which he shares in his writings titled the Confessions. Published around 400 A.D., St. Augustine Confessions had a major influence on western civilization. This beautifully written and intellectually brilliantly narrative on his conversion, St. Agustin brings to light his personal spiritual journey during his conver sion to Catholicism. Completing his book in 400, St. Augustine incorporatedRead MorePolitics And City Of God : Issues And Medieval Political Thought Essay1717 Words   |  7 Pagesthis paper we have attempted to show the significance of St. Augustine’s thought on the problems of politics as contained in his famous work The City of God. We established that his theoretical enterprise on politics and State based as it were on the theory of the two cities, the earthly city and the heavenly city is that of necessity. In arriving at this conclusion, the paper shows that there is logical and consistent correlation between St. Augustine’s conception of the nature of the universe onRead MoreSaint Augustine: How He Fused Classical Culture (I.E., Both Stoicism and Platonism) with Christianity1880 Words   |  8 PagesSaint Augustine: How he fused Classical culture (i.e., both Stoicism and Platonism) with Christianity In Augustine’s day there were many religions available to choose from some of which had many gods. St. Augustine was born to a pagan father and a Christian mother. He lived a life of immorality until his early thirties when he suddenly took a new path. During his upbringing his parents began to instill their beliefs and way of living which he later began to question. Though his mother taughtRead MoreThe Apostle Paul, Saint Augustine Martin Luther Essay3381 Words   |  14 PagesThe Apostle Paul, Saint Augustine Martin Luther Their impact on the Christian Faith March 12, 2009 The Apostle Paul, Saint Augustine, and Martin Luther have been three very important figures in the Christian church. Each went through a unique personal experience that changed the course of their lives. Those experiences were important to them and they should be important to anyone of the Christian faithRead MoreComparative Essay on Uniformitarianism and Catasophism1386 Words   |  6 Pagesecclesiastical prestige derived, not from Peter, but from the church in Rome. Leo I â€Å"The Great† is considered to be the â€Å"First Pope† or â€Å"Bishop† of Rome. Leo was the first to state the Petrine doctrine outright, saying that he was the â€Å"heir† of St. Peter and that Christ had appointed Peter as the head of His church. He said that all bishops were heirs to the apostles (this was a general belief at the time), and that Peter was the chief of the apostles. The Bishop of Rome was the chief of allRead MoreEarly Civilization Essay621 Words   |  3 Pages-weapons -windmills-various statues -royal graves-many different dances for Gods-Temples -Towers-Belief in many Gods-Cuneiform Records -Hebrew BibleAncient Egyptian 2615 – 332 B.C.E.-Revolved around a Pharaoh-trading -farming -education-Known Calendar -Plows -Wheeled carts -cotton fabric-Sculpture -painting with pharaohs chariots-very religious -many Gods associated with music-Pyramids-Belief in life after death-Hieroglyphics -Papyrus rollsArchaic Greek 800 –Read MoreSt. Augustine s Reasoning For The Toleration Of Slavery2010 Words   |  9 PagesNothing about slavery was considered â€Å"normal† in classical Greece. Later, even deeply religious people like St. Augustine and Aristotle accepted this practice. Norms have changed dramatically since then. The very idea is reprehensible to almost everyone. St. Augustine believes the condition of slavery is the result of sin, and slavery is a name introduced by sin and not by nature (Ebenstein 114). Today, when a person sins, it is something that he or she has to cope with, if they are religious andRead MoreEssay on A Very Brief History of the Papacy1499 Words   |  6 Pagesdevelopment of the practical arts within the education system. St. Leo I (The Great) Leo the Great and Pope Gregory were the only two Popes to be called â€Å"the Great†. Leo courageously confronted Attila the Hun and neutralized other barbaric invaders. St. Leo the Great was pope during the middle of the 5th century. This was very troubling times for the Roman Empire. The barbarian armies were trying to destroy the once mighty empire. St. Leo the Great was a very powerful teacher and

Slavery Essay Paper Example For Students

Slavery Essay Paper 1. Africans were kidnapped and taken aboard ships to be transported to various places. From reading Equianos memoir I gathered that the slaves were terrified. They had never seen whites before, nor did they speak the language of their captors, so they had no idea of their destiny. Equiano tells us the harsh conditions aboard the ship. The slaves were shackled together. Equiano almost makes the reader hear the clanking of the chains and the gasps for clean air. The ships were grossly over crowded and the heat of the ship was almost unbearable. Many were sick and undoubtedly terrified of what was to happen next. When they arrived to their destination the slaves were auctioned off as if they were cattle. Mothers were separated from their children, husbands from their wives and sisters and brothers were all ripped apart from one another. 2. When Equiano is first taken aboard the ship he is terrified because he had never seen white men before and believed that he was taken into a world of bad spirits. That shows how different their culture and belief system was. He was convinced that the whites were going to eat him. Equiano was unfamiliar with horses and buildings with stories. He mentions several times about their long hair, so that must not have been a normalcy in his culture; as with the horses and different building structures. 1. Nelson found many diseases such as smallpox, but the majority of the slaves were infected with purulent opthalmia. This disease made their eyelids to swell and produce a discharge that they could not even wipe away for the chains. Due to the many diseases and harsh living conditions many of the slaves died during the voyage-and were just tossed over board when they did. In this memoir Nelson says that 460 slaves left Brazil and 348 survived the passing. In another account 572 Africans were counted and although the exact number of Africans that were on the ship to begin with was not recorded, he believed that over 700 were on board in the beginning. 2. Nelsons description of the conditions aboard the slave ship was much more harsh that Equianos personal memoir. He told of the disease, the loathsome smell, shortage of food, and the desperation the slaves showed for water. Nelson tells of the horrid living conditions, the lack of space and the odors. His description of the poor slave s swatting in corners and the misery that was amongst them makes the reader almost sick it is so vivid. Equiano tells of the harsh living conditions and how terrified he was, but Nelson showed the true cruelty of what the people did and put slaves through. Bibliography:

Fernandos character from a biophysical perspective

Introduction The predicaments that defines the behaviors and characters of a sixteen year old Fernando is an aftermath of a legacy left behind by a father vague of human values. Fernando finds himself in an oasis of a community bred in a background of social evils intoxicating his mind from early childhood.Advertising We will write a custom essay sample on Fernando’s character from a biophysical perspective specifically for you for only $16.05 $11/page Learn More In his quest to break out from the ‘tradition’ that is so akin to his family make- up, his mindset and choices lead him to subconsciously live the same life his people lived from generations back. This is characterized by drugs and affiliation with gangs and a negative exposure to the authorities at a very tender age. Fernando hails from a family that is quickly disintegrating into the abyss that is the societal rote in their community of drug abusers. Their lives are unpredi ctable since they are always at loggerheads with the local administration (like the police), as a result spending so much of their time serving jail terms rotting in jails. Others get embroiled in fights that are far too common in their community set-up; they are affiliated to gangs which normally sort out their differences brutally by killing the members of the factions working against them. These children hail from much disoriented backgrounds, Fernando’s father was a drug addict who had little time to guide and care for his children, he battered his wife even when he was drunk and was rather callous with his affairs. His mother, on the other hand, had to run away due to the battering and though they met on the streets, they hardly shared a lot. The result of all this is a child of Fernando’s behavior, whose attitude and perceptions about life was suicidal and the victim was himself. These children end up copying what they deem fit or ‘cool’ in the socie ty, because they do not have a strong figure to guide them. Goldstein (1995) believes that such characters have very weak social foundations and their reaction towards people is rather cold. They have a tendency to always look for trouble and they feel good about it. They hardly think about the future, they live under the notion that today they are alive but tomorrow they will either be dead or in jail. Of all this, none of them is a big deal.Advertising Looking for essay on psychology? Let's see if we can help you! Get your first paper with 15% OFF Learn More Thought Fernando’s life, several factors have contributed to the persona he was when he was last interviewed. The social factors, cultural factors, the category they’re placed on in society by society itself and community factors play a major role. Fernando’s characters all the way from infantile have been borrowing traits from the people around him and as a result have grown solidly into the extreme it is. His recognition of the self has diminished to the extent that he does not value his life anymore, though he has no weaknesses, his abilities are rarely used in other helpful activities like playing or learning. Berzoff and Hertz (2008) explains that Self recognition portrays to them an idea of what people see and when they look at them, in this case this stems from infancy whereby child neglect contributes to a high percentage the feeling of worthlessness. They eventually conclude that they are bad and do so little to change this perception. Self reflection is evident in all the age groups with the three to five year old’, center of attention being much of physical aspects like the picture he portrays on the outside, his belongings and his abilities. When this child grows towards attaining puberty, his sense of the self develops too, enabling him to communicate his thoughts more carefully through the word of mouth and easily from what he understands. They comb ine their own feelings and individuality by means of re-combining their past experiences to the present and other new occurrences’ as they happen in their lives. This maybe in the form of new ethical values learnt their sexual direction, their political belief systems and their cultural identity. Family dynamics on the impact of behavior Fernando had an insecure relationship with the parents. The mother left him at a tender age and never bothered checking on them again. They only met in the streets and hardly shared anything. His father, being the alcoholic had no time for his children and family, and he never enforced the ideals he preached to his children like not taking alcohol. The children themselves acknowledge that had they been given direction in life, they would be different from what they had ended up like. The absentee parents, as a result of this ended up having children that could not even trust them, leave alone non family members. They are not emotive when sepa rated from the parents and neither do they fancy interaction with their parents.Advertising We will write a custom essay sample on Fernando’s character from a biophysical perspective specifically for you for only $16.05 $11/page Learn More They are cold towards them and this is how they are brought up from their tender ages. In the evolution of their mindsets, from the core consciousness to the secondary consciousness, the parents played a very minor role in bringing up their children. The children learnt for themselves the many aspects that they had to grapple with in their infancy. The environment the children are exposed to or grow within greatly affects the structure of the brain, defining the character of the individual that comes out eventually. Middle childhood put much focus on the components that make up the mind i.e. id, ego and superego. According to Erickson, Fernando is at a level of self identity as he struggles to break from the ca ucus of emotional dependency. He battles with identity diffusion trying to make his own decisions which he feels are genuine. The environment either stifles or promotes the structure and functionalities in an infant’s brain. The early relationship a child has with its parents goes a long to affect the level, depth and quality of his other relationships when he grows. This reasoning by Berzoff and Hertz (2008) is attributed to the fact that his connection to the parents has a direct influence on the maturity of his right brain and a set of connections that match data to the environment. The mothers touch to the baby at the tender age also shapes the child’s dendrite growth. Lack of these or exposure to long distressing states alters the organization exposing this child to susceptibility. The result is a child with a detached mental state who doesn’t feel guilty when on the wrong; a child who feels everything must go his way and is very irrational. This incident h appened on Fernando’s life when he was very young, never exposed or had very little exposure to a mother’s love, he was given very little attention and as a result he ended up being rude even to his tutors. This strengthened his resolve about the street; nobody would tell him if anything was going awry on his part. Freudian theory sheds light to the woes bedeviling Fernando by trying to comprehend the developmental stages through his (Fernando) journey of life. From early childhood to the mid adolescent age Fernando’s life has been patchy embedded in an environment with uncouth behavior that portrays a community less sensitive to values.Advertising Looking for essay on psychology? Let's see if we can help you! Get your first paper with 15% OFF Learn More Freud integrates the structure of the brain (Id, Ego, and Superego) and the surrounding environment through developmental stages to insight the persona in Fernando. There is a clear relationship between the behavior and the environment. Freud purports that a person’s character is a product of classical Freudian theory, object relations, ego psychology, self psychology and learning theory. Fernando’s behaviors are an aftermath of self psychology which stems from disintegrated family devoid of cohesiveness. He is exhibiting phallic stage according to Mehler portraying psychological self separation-individualization fearing loss of the object. Fernando, like any other child born from this environment is susceptible to behaving the way he does since the environment treats him cruelly prompting him to form defensive as well as survival tactics. Efforts to rehabilitate him are bound to be futile since the characters are embedded deep in his genes. The death of his grandmothe r dealt him a big blow too. She was among the people he was closest to and her passing away meant he had been snatched a companion, a friend. To the infants, passing away of somebody close to them has a big effect to their development; they take long to understand though they eventually do. They try to seek their own explanation of events on why things happened the way they did. They try to link their death to something big that happened around the time the funeral occurred. To the young infants mind that is what caused the ‘big sleep’, as they often call it. In Fernando’s case this is evident through the mourning process where he blames himself for hitting his grandmother. This happened sometime before she died when she was trying to defend her grandmother against his uncle and hit her accidentally. He believes he is the cause of her death and pleads vehemently for forgiveness from her. Fernando’s case highlights the plight of such children; they â€Å"a lways have one person they are really passionate about and when he or she passes on they have a tendency to blame themselves for all that happened to the deceased†(Lee, 2001). The effects of social, culture, class, ethnic and community factors Fernando has issues with his self esteem and his ego. He quickly dismisses education claiming he was a quick learner and school became boring to him. He compares his being in school to being out there in the complexity of the drug network ring making money. He admits that that is time he would be wasting and that time would be better spent making money out here. He could earn money, about $ 700 per week legitimately distributing bread around town but has resorted to selling drugs. The ego defenses at play in Fernando’s life whenever he is encountered show a person who is weak and is hiding from the reality. He lives in utter denial of his real state and is motivated by the gang to do whatever he does. They give him a sense of â₠¬Å"brotherliness making him feel at home even though he knows life being a member in the gang is as temporary as the gang itself. They fight against each other, injuring each other sometimes even killing each other in gang wars† (Aronson and Lesser, 2011). They have little regard for the law and have developed a carefree attitude toward life. All this happens despite the fact that he knows there’s a life outside this ring. He hides in the ideologies of the group, living a high life; stealing cars even police cars, handling illegal weapons and consuming drugs. He escaped prison after only serving four months in jail instead of the eighteen he had been sentenced to. Hogan (2005) believes that Fernando hides in the present, and does feel comfortable being questioned about what tomorrow holds. He is fully aware about the repercussions of his actions yet he doesn’t care. Fernando’s projection affects others, his idea about being naughty and awoke in him need to be photographed with drugs. This he had wished it be made public, but then it was meant to smear the image of the police’ department. Fernando’s characters have roots in the environment which encompasses the social and cultural practices as well as class and ethnicity. Fernando hails from a community that embraces domestic violence which is the norm of the society. This, together with the lower social status of the community propels the way men behave the way they do. They yearn for better life out of bondage of poverty by seeking solace in a seemingly lucrative trade of drug peddling. As a result, they find themselves in unfamiliar circumstances that abuses drugs. In the centre of shaping the behaviors of a person, which happens in the early childhood of brain development, are the genetic influences. This together with the environment refine, reorganize as well as form neural connections responsible for future behaviors of an individual. The structure of the brain is composed of sub-cortical and cortical limp systems. The former is responsible for instinctive reflexes while the later deliberates reflexes to the environment. Their responses are a consequence of genetic makeup and environment. Fernando’s dissociation from the real life repercussions of his actions depict a life of a child who would have grown up straight had he been given a chance to. For him to conduct his drug business, he has had to shove away the feelings of guilt that plague him. According to Simonsson (2004), his motivation is that somehow he needs to survive; he needs to live his life and achieve all that he ever dreamt and aspired to be in life. He is fully aware that what he does is wrong and says he will opt out only after fulfilling his dreams and ambitions. Conclusion Fernando is just one boy lost in the quest to discover his true abilities. He has been so caught up in the rotation that is life at a tender age. His personal history and that of his family do mak e matters even worse. He has no proud moment in his life unless it is derived from his many escapades in life which are dangerous. Woodhead, and Faulkner (2000) states that the family history dates back to generations of drugs and disoriented families, and whenever he flashes back the only thing he gets is the reminder that he will die like his father, in jail He shudders at the thought of killing himself but with the drugs he is consuming and the age he is at, the idea is not farfetched. He is so scared about the future that he rarely devotes time to think and plan about it. He assumes that in a span of five years ahead of him, he would be either dead or in jail. This is usually the street assumption of the people and children living this kind of life. They take corrections negatively and they react fast to issues, sometimes overreacting. Hatred and war defines their world, and because they rarely went to school, they do not attach so much emphasis on education. The result is a chi ld with misplaced priorities and wrong ideas about what life is composed of, a child who lives by the gun and doesn’t think twice before pulling the trigger. This is what society entails, though if handled well and given all the love and attention at infantry, the child grows up to be a responsible member of the society who values good ideals. These children would also grow up with the family mindset and would strive to bring up upright citizens by giving them proper education, catering for their health and being there to support them when they need them. Children are good at emulating what their parents do, and if anything parents should strive to bring out the best in their children by living a positive and healthy life. References Aronson, J. Lesser, P. (2011) Human behavior and the social environment theory practice. Washington. Washington press. Berzoff, J., Hertz, P. (2008). Inside out and outside in: Psychodynamic clinical theory and psychopathology in contemporary multicultural contexts (2nd Ed.). New York, NY: New York University Press. Goldstein, E. (1995). Ego psychology and social work practice. New York: The Free Press Hogan, D. (2005). Researching ‘the child’ in developmental psychology: Researching Children’s Experience. Approaches and Methods. London: Sage Publications. Lee, N. (2001). Childhood and Society. Growing up in an age of uncertainty Maidenhed: Open University Press. Simonsson, M. (2004). Picture Books in Preschool – an Interactional Perspective. Linkoping Studies in Arts and Science. New York, NY. Bartsford Printing press. Woodhead, M. Faulkner, D. (2000). ‘Subjects, objects or participants? Dilemmas of psychological research with children’.London: Falmer Press. This essay on Fernando’s character from a biophysical perspective was written and submitted by user Nevaeh Bass to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.