Homeschool vs Public School Essay Example for Free

Homeschool vs Public School Essay The recent growth, popularity, and success of homeschool have left many parents wondering if public school is the right choice for their children. While public school is still the most trusted and convenient way for parents to have their children educated, many parents are starting to research and learn more about the option of homeschooling. For many parents, it is hard to think outside the box, when it comes to their children’s education, yet, more parents are convinced every day that this may be the right choice for their children. Parents considering homeschool are worried that they might not be able to provide the proper education, and learning tools, as well as the structure of public school. Others are simply worried that their publicly educated children will not be as well rounded or socialized if they are homeschooled. For many advocates, whether home school or public school, the environment offered by withers situation is definitely a determining factor as to whether their child should be home or publicly schooled. Proponents of homeschool think that children will thrive better in a safe, comfortable, familiar environment. Ironically, so do public school advocates. Homeschool parents believe that home is the safest, most secure environment for their children to learn. A decade ago a homeschooled teen had to miss out on school dances, band, sports, driver’s education and more. This is no longer the case. The options are endless depending on your local school district. Most junior and high schools support dual enrollment. This means that a child can be homeschooled and still go to the school for subject that the student along with the parents decides. This can be math, wood working, computer technology, and many more things. If the child is enrolled they are entitled to most if not all of the extracurricular activities that the school offers. In a home school setting, a child does not have to deal with fitting in, peer pressure, or cliques. Homeschool parents will argue that by homeschooling they prevent most of the negative social problems of school. Many argue that school is not like real life. In the real world you do get to choose who you associate with for the most part. You are not shoved into a room of your same age peers for 12 years or more. In public schools children are forced to deal with persecution because of the clothes they wear may not be the coolest, or their shoes may not be a brand name. Children are forced to deal with peer pressures to have sex, experiment with drugs, or truancy. Homeschool children are able to focus solely on their education. They are usually able to work at their own pace in their own style. While publicly schooled children are forced into a strict schedule, and everything is on a timed basis. Public school advocates argue that public school teaches the child to separate themselves from their parents, and begin to rely on themselves more. That it teaches responsibility. They also believe that the natural interaction between children in school is healthy, and it teaches them character, and individuality. As a matter of fact, many public school supporters believe that actual book learning is not as important as learning how to deal with others. Only you can decide which is more important for your child. Along with everything else, parents and their children have to consider the curriculum, and is this right for the individual circumstance. How your child learns is a major factor in determining if your child should be in public school or homeschooled. Most children learn the same basic skills whether they are public, or homeschooled. They learn to read, write, and basic math. Both sides agree that this is a good foundation. However, it is beyond the basics that the two types of schooling differ, and the argument begins. Homeschooled children tend to learn through individual experience. Regular public school children learn through relationships, and according to studies, that’s what builds character in a child. [www. publicschools. org]. this is clearly a huge argument in the war of Homeschool versus public school. Homeschool parents are able to choose the focus of their child’s education. Whether it is based on their religion and beliefs, or the child’s natural curiosity. This does not mean that a child is homeschooled based solely on religion or because they are religious. It simply gives parents an option to have religion incorporated in their children’s schooling. More parents said that they chose to homeschool a child in order to offer religious or moral instruction. This reason was given more than any other reason as the most important for homeschooling. This accounts for 36 percent of homeschooled students [The National Center for Education Statistics (NCES) of the U. S.  Department of Education (USDOE) Institute of Education Sciences (IES)]. Public schools have eliminated religion because the government feels that it may offend someone if we pray a certain prayer that a student with a different religion may not. So, they decided to separate church and state. This means that there are no more prayers in public schools or their events. There are â€Å"moments of silence†. Thus, many homeschool parents incorporate it into their lessons. Public school bases their curriculum on state based lesson, which aim to make the students reach and hopefully surpass their goals. This curriculum is constantly changing with the times. A drawback of public education curriculum is that there is not a lot of time to spend in depth on one particular subject, but students are exposed to a broad spectrum of subjects. Every parent is a teacher [www. phdinparenting. com]. Whether they realize it or not. From day one we teach our children, and never stop. It is the argument of homeschool advocates that if we can teach them life skills and basically everything they learn from day one, then why can’t we educate our children? Public school advocates argue that the difference is the time a teacher has spent learning methods and perfecting the art of educating a child. Homeschooled parents are concerned that their children are not having enough one on one time with teachers. They are concerned that the teacher to student ratio is out of control. The norm in public school is 31 students to 1 teacher. Most classes are 30 to 45 minutes in length. After roll call, going over the daily lesson, passing up homework, etc. , there is less than 1 minute available for each student to communicate with the teacher. Homeschool advocates are concerned that sometimes this means that the quality of education a child gets in public school is not as good as that of homeschool. Many students believe that the education they are getting is quite adequate. They are sure that half the things they learn in class they will not need in â€Å"real life† anyway. They assume the free ride through college from their high school football career will get them everything they need in life. Children who have this belief are sorely mistaken. If they are not equipped with the communication skills, and life skills, as well taught esponsibility then why have the great football career? They will have no idea how to negotiate terms, negotiate contracts, or how to properly spend and invest their income. These are all vital things that a child needs to be taught. Homeschool parents believe that they can instill in their children all of those things. No extracurricular activities for homeschoolers, you say? Wrong!! There are programs that allow homeschool children to take some of their classes in a private school type setting to allow them to play on the local high school football team. As long as their grades and transcripts are all in order, they can be just as successful and get scholarships just as a public school student. We, as parents have to make our own decisions about how our children are educated. Whether they are public or home schooled, we have to ensure that our children are getting the best possible education, in the best environment, by the best teachers. It is not our job to be sure that they are the most popular, or the class favorite. It is our job to make sure that they are educated, moral, responsible, well rounded individuals no matter the method by which they are educated.

Print Vs. Press :: essays research papers

Print vs. Press   Ã‚  Ã‚  Ã‚  Ã‚  In today’s elections the Media is one of the biggest influences in most elections. Throughout the years the Media has changed quiet a bit. As in most cases, today’s technology has revolutionized the Media and the way we get our information. Not only do we hear about elections through the media, we learn of updated news pertaining to our everyday lives. There are two types of Media that presents different stimuli, which vary substantially from nature to content. The two types are the Printing press and the Electronic press. Both play major roles in educating and informing our nation.   Ã‚  Ã‚  Ã‚  Ã‚  The Print media is best known for it’s â€Å"excel in conveying factual details (graber189).† Graber goes on to add that the print media is generally credited with conveying more knowledge that audiovisual media does. One Critic by the name of Neil Postman says that if our nation is exposed to too much television, we might turn into a nation of dilettantes who avoid the serious issues of the world. I think that we are seeing some of that now. Look at Clinton for example, our media has not been as involved in how well our country has been doing. Rather the media is steady telling the nation who he sleeps with and what he has for breakfast. On the contrary, the newspapers and so on are giving us facts. They are telling us more about the health care reform, and about issues over seas. We as a nation need to care more about our country and set aside some of our amusement. One on the major down falls of the printing press is that, most times the news we r ead is that of old news. If there is an attack in Russia on Wednesday, then it will not be until Thursday or Friday until we read it in the paper. Another example is that of Time magazine. Subscribers of Time usually receive their magazine a week or two later that the latest news. I think that the printing press is for the more informative group and should not be left in the dark.   Ã‚  Ã‚  Ã‚  Ã‚  The Electronic Media is however convenient and has the ability of reaching millions of people within a matter of minutes. Think about someone hiking in the woods. If there is a global matter and the president needs to address the nation the hiker could hear about this through a cellular phone.

Applications of amortization

amortization Definitions (2) 1. The gradual elimination of a liability, such as a mortgage, in regular payments over a specified period of time. Such payments must be sufficient to cover both principal and interest. 2. Writing off an intangible asset investment over the projected life of the assets. Read more: http://www. investorwords. com/200/amortization. html#ixzz2GXWACfP2 Applications of amortization In business, amortization refers to spreading payments over multiple periods. The term is used for two separate processes: amortization of loans and amortization of intangible assets. Amortization of loansIn lending, amortization is the distribution of payment into multiple cash flow installments, as determined by an amortization schedule. Unlike other repayment models, each repayment installment consists of both principal and interest. Amortization is chiefly used in loan repayments (a common example being a mortgage loan) and in sinking funds. Payments are divided into equal amoun ts for the duration of the loan, making it the simplest repayment model. A greater amount of the payment is applied to interest at the beginning of the amortization schedule, while more money is applied to principal at the end.Commonly it is known as EMI or Equated Monthly Installment. [1] or, equivalently, where: P is the principal amount borrowed, A is the periodic payment, r is the periodic interest rate divided by 100 (annual interest rate also divided by 12 in case of monthly installments), and n is the total number of payments (for a 30-year loan with monthly payments n = 30 ? 12 = 360). Negative amortization (also called deferred interest) occurs if the payments made do not cover the interest due. The remaining interest owed is added to the outstanding loan balance, making it larger than the original loan amount.If the repayment model for a loan is â€Å"fully amortized,† then the very last payment (which, if the schedule was calculated correctly, should be equal to al l others) pays off all remaining principal and interest on the loan. If the repayment model on a loan is not fully amortized, then the last payment due may be a large balloon payment of all remaining principal and interest. If the borrower lacks the funds or assets to immediately make that payment, or adequate credit to refinance the balance into a new loan, the borrower may end up in default. Amortization of intangible assetsIn accounting, amortization refers to expensing the acquisition cost minus the residual value of intangible assets (often intellectual property such as patents and trademarks or copyrights) in a systematic manner over their estimated useful economic lives so as to reflect their consumption, expiry, obsolescence or other decline in value as a result of use or the passage of time. A corresponding concept for tangible assets is depreciation. Methodologies for allocating amortization to each accounting period are generally the same as for depreciation.However, many intangible assets such as goodwill or certain brands may be deemed to have an indefinite useful life and are therefore not subject to amortization (although goodwill is subjected to an impairment test every year). Amortization is recorded in the financial statements of an entity as a reduction in the carrying value of the intangible asset in the balance sheet and as an expense in the income statement. Under International Financial Reporting Standards, guidance on accounting for the amortization of intangible assets is contained in IAS 38. 2] Under United States generally accepted accounting principles (GAAP), the primary guidance is contained in FAS 142. [3] While theoretically amortization is used to account for the decreasing value of an intangible asset over its useful life, in practice, many companies will â€Å"amortize† what would otherwise be one-time expenses by listing them as a capital expense on the cash flow statement and paying off the cost through amortization, thereby improving the company's net income in the fiscal year or quarter of the expense Amortization schedule An amortization schedule is a table detailing each periodic payment on an amortizing loan (typically a mortgage), as generated by an amortization calculator. Amortization refers to the process of paying off a debt (often from a loan or mortgage) over time through regular payments. A portion of each payment is for interest while the remaining amount is applied towards the principal balance. The percentage of interest versus principal in each payment is determined in an amortization schedule.While a portion of every payment is applied towards both the interest and the principal balance of the loan, the exact amount applied to principal each time varies (with the remainder going to interest). An amortization schedule reveals the specific monetary amount put towards interest, as well as the specific amount put towards the principal balance, with each payment. Initially, a large portion of each payment is devoted to interest. As the loan matures, larger portions go towards paying down the principal Methods of amortizationThere are different methods in which to arrive at an amortization schedule. These include: †¢Straight line (linear) †¢Declining balance †¢Annuity †¢Bullet (all at once) †¢Balloon (amortization payments and large end payment) †¢Increasing balance (negative amortization) Amortization schedules run in chronological order. The first payment is assumed to take place one full payment period after the loan was taken out, not on the first day (the amortization date) of the loan. The last payment completely pays off the remainder of the loan.Often, the last payment will be a slightly different amount than all earlier payments. In addition to breaking down each payment into interest and principal portions, an amortization schedule also reveals interest-paid-to-date, principal-paid-to-date, and the remaining principal ba lance on each payment date. Example amortization schedule This amortization schedule is based on the following assumptions: First, it should be known that rounding errors occur and depending how the lender ccumulates these errors, the blended payment (principal + interest) may vary slightly some months to keep these errors from accumulating; or, the accumulated errors are adjusted for at the end of each year, or at the final loan payment. There are a few crucial points worth noting when mortgaging a home with an amortized loan. First, there is substantial disparate allocation of the monthly payments toward the interest, especially during the first 18 years of the mortgage. In the example above, payment 1 allocates about 80-90% of the total payment towards interest and only $67. 9 (or 10-20%) toward the Principal balance. The exact percentage allocated towards payment of the principal depends on the interest rate. Not until payment 257 or 21 years into the loan does the payment alloc ation towards principal and interest even out and subsequently tip the majority of the monthly payment toward Principal balance pay down. Second, understanding the above statement, the repetitive refinancing of an amortized mortgage loan, even with decreasing interest rates and decreasing Principal balance, can cause the borrower to pay over 500% of the value of the original loan amount. Re-amortization' or restarting the amortization schedule via a refinance causes the entire schedule to restart: the new loan will be 30 years from the refinance date, and initial payments on this loan will again be largely interest, not principal. If the rate is the same, say 8%, then the interest/principal allocation will be the same as at the start of the original loan (say, 90/10). This economically unfavorable situation is often mitigated by the apparent decrease in monthly payment and interest rate of a refinance, when in fact the borrower is increasing the total cost of the property.This fact is often (understandably) overlooked by borrowers. Third, the payment on an amortized mortgage loan remains the same for the entire loan term, regardless of Principal balance owed but only for a fixed rate, fully amortizing loan. For example, the payment on the above scenario will remain $733. 76 regardless if the Principal balance is $100,000 or $50,000. Paying down large chunks of the Principal balance in no way affects the monthly payment, it simply reduces the term of the loan and reduces the amount of interest that can be charged by the lender resulting in a quicker payoff.To avoid these caveats of an amortizing mortgage loan many borrowers are choosing an interest-only loan to satisfy their mortgage financing needs. Interest-only loans have their caveats as well which must be understood before choosing the mortgage payment term that is right for the individual borrower. 3 Amortization calculator An amortization calculator is used to determine the periodic payment amount due on a loan (typically a mortgage), based on the amortization process. The amortization repayment model factors varying amounts of both interest and principal into every installment, though the total amount of each payment is the same.An amortization schedule calculator is often used to adjust the loan amount until the monthly payments will fit comfortably into budget, and can vary the interest rate to see the difference a better rate might make in the kind of home or car one can afford. An amortization calculator can also reveal the exact dollar amount that goes towards interest and the exact dollar amount that goes towards principal out of each individual payment. The amortization schedule is a table delineating these figures across the duration of the loan in chronological order.The formula The calculation used to arrive at the periodic payment amount assumes that the first payment is not due on the first day of the loan, but rather one full payment period into the loan. While normal ly used to solve for A, (the payment, given the terms) it can be used to solve for any single variable in the equation provided that all other variables are known. One can rearrange the formula to solve for any one term, except for i, for which one can use a root-finding algorithm. The annuity formula is: Where: †¢A = periodic payment amount P = amount of principal, net of initial payments, meaning â€Å"subtract any down-payments† †¢i = periodic interest rate †¢n = total number of payments This formula is valid if i > 0. If i = 0 then simply A = P / n. For a 30-year loan with monthly payments, Note that the interest rate is commonly referred to as an annual percentage rate (e. g. 8% APR), but in the above formula, since the payments are monthly, the rate must be in terms of a monthly percent. Converting an annual interest rate (that is to say, annual percentage yield or APY) to the onthly rate is not as simple as dividing by 12, see the formula and discussion in APR. However if the rate is stated in terms of â€Å"APR† and not â€Å"annual interest rate†, then dividing by 12 is an appropriate means of determining the monthly interest rate. Derivation of the formula The formula for the periodic payment amount is derived as follows. For an amortization schedule, we can define a function that represents the principal amount remaining at time . We can then derive a formula for this function given an unknown payment amount and .We can generalize this to Applying the substitution (see geometric progressions) We end up with For payment periods, we expect the principal amount will be completely paid off at the last payment period, or Solving for A, we get or After substitution and simplification we get 4 Negative amortization In finance, negative amortization, also known as NegAm, deferred interest or graduated payment mortgage, occurs whenever the loan payment for any period is less than the interest charged over that period so th at the outstanding balance of the loan increases.As an amortization method the shorted amount (difference between interest and repayment) is then added to the total amount owed to the lender. [1] Such a practice would have to be agreed upon before shorting the payment so as to avoid default on payment. This method is generally used in an introductory period before loan payments exceed interest and the loan becomes self-amortizing. The term is most often used for mortgage loans; corporate loans which have negative amortization are called PIK loans. Amortization refers to the process of paying off a debt (often from a loan or mortgage) over time through regular payments.A portion of each payment is for interest while the remaining amount is applied towards the principal balance. The percentage of interest versus principal in each payment is determined in an amortization schedule. 5. Amortizing loan In banking and finance, an amortizing loan is a loan where the principal of the loan is paid down over the life of the loan (that is, amortized) according to some amortization schedule, typically through equal payments. Similarly, an amortizing bond is a bond that repays part of the principal (face value) along with the coupon payments.Compare with a sinking fund, which amortizes the total debt outstanding by repurchasing some bonds. Each payment to the lender will consist of a portion of interest and a portion of principal. Mortgage loans are typically amortizing loans. The calculations for an amortizing loan are those of an annuity using the time value of money formulas, and can be done using an amortization calculator. An amortizing loan should be contrasted with a bullet loan, where a large portion of the loan will be paid at the final maturity date instead of being paid down gradually over the loan's life.An accumulated amortization loan represents the amount of amortization expense that has been claimed since the acquisition of the asset. Effects Amortization of debt has two major effects: Credit risk First and most importantly, it substantially reduces the credit risk of the loan or bond. In a bullet loan (or bullet bond), the bulk of the credit risk is in the repayment of the principal at maturity, at which point the debt must either be paid off in full or rolled over. By paying off the principal over time, this risk is mitigated. Interest rate riskA secondary effect is that amortization reduces the duration of the debt, reducing the debt's sensitivity to interest rate risk, as compared to debt with the same maturity and coupon rate. This is because there are smaller payments in the future, so the weighted-average maturity of the cash flows is lower. Weighted-average life Main article: Weighted-average life The number weighted average of the times of the principal repayments of an amortizing loan is referred to as the weighted-average life (WAL), also called â€Å"average life†. It's the average time until a dollar of principal is repaid. In a formula, where: †¢ is the principal, is the principal repayment in coupon , hence †¢ is the fraction of the principal repaid in coupon , and †¢ is the time from the start to coupon †¢ 6. Amortization (tax law) In tax law, amortization refers to the cost recovery system for intangible property. Although the theory behind cost recovery deductions of amortization is to deduct from basis in a systematic manner over an asset's estimated useful economic life so as to reflect its consumption, expiration, obsolescence or other decline in value as a result of use or the passage of time, many times a perfect match of income and deductions does not occur for policy reasons.Depreciation A corresponding concept for tangible assets is depreciation. Methodologies for allocating amortization to each tax period are generally the same as for depreciation. However, many intangible assets such as goodwill or certain brands may be deemed to have an indefinite useful lif e, or â€Å"self-created† and are therefore not subject to amortization

Steven Spielberg’s Interpretation of Philip K. Dicks’s...

Steven Spielberg’s Interpretation of Philip K. Dicks’s Minority Report In the year 2054 crime has become a thing of the past. The relatively new Pre-Crime system allows the government to operate an elite police force, which with the help of three very talented and unique human beings can see into the future and prevent countless crimes, especially murders before they happen. In Philip K. Dicks’s short story, The Minority Report, the world we live in is nearly infallible. With the reduction of violent criminal acts, people can live their lives in peace and prosperity without the fear of the pain and suffering, which usually accompanies violence. Likewise, in director Steven Spielberg’s 2002 movie re-creation of Dick’s†¦show more content†¦In both instances, as the story approaches an end point, Anderton realizes that his original vision of the predicament facing him was faulty. The shock and amazement that the individuals who Anderton though were behind an apparent plot to seize his job by framing him for murder, were in fac t simply doing their jobs by pursuing him, leads the main character to uncover a plan where other previously benign forces were at play manipulating the situation at hand for their own personal gains. In the final moments of both narrations of the story, the somewhat ironic endings for those involved lead to the proclamation of Anderton’s innocence and the punishment of those really attempting to manipulate the Pre-Crime system for their own use. Although both Dick’s and Spielberg’s versions of The Minority Report were alike in many general ways, Spielberg’s later interpretation of Dick’s short story did deviate somewhat for its original context. Whereas Dick’s version of the narrative pitted John Anderton, the director of Pre-Crime against other corrupt elements of the government, Spielberg’s version, had Anderton struggle with internal elements within his own organization which were trying to assure a safe future for the Pre-Crime system. Furthermore, in Dick’s story Anderton was actually being framed by an Army General, Kaplan, in an effort to prove that Pre-Crime was faulty, which would