How (and Why) to Calculate the APR for Payday Loan

How (and Why) to Calculate the APR for Payday Loan How (and Why) to Calculate the APR for a Payday Loan How (and Why) to Calculate the APR for a Payday LoanSure, you may know that taking out a payday loan is generally a bad idea. Youve heard a horror story or two about something called rollover, but if youre in a jam, you might find yourself considering swinging by the local brick-and-mortar payday loan store or looking for an online payday loan. Its just a one-time thing, you tell yourself.It only gets worse from there Once you start looking at the paperwork or speaking with the sales staff, you see that your payday loan will cost only $15 for every $100 that you borrow. That doesnt sound that bad. But whats this other number? This APR of 400%? The payday lender tells you not to worry about it. He says, APR doesnt matter.Well, lets just interrupt this hypothetical to tell you this When youre borrowing money, the APR doesnt just matter, its the single most important number you need to know.APR stands for “annual percentage rate,” and it’s a way to measure how much a loan, credit card, or line of credit is going to cost you. APR is measured on a yearly basis and it is expressed as a percentage of the amount loaned. “By law, APR must include all fees charged by the lender to originate the loan,” says Casey Fleming (@TheLoanGuide), author of The Loan Guide: How to Get the Best Possible Mortgage.But just because a loan or credit card includes a certain fee or charge, you shouldn’t assume that it’s always going to be included in the APR. Fleming points out that some fees, like title fees on a mortgage, are not considered part of the loan origination process and thus not included in APR calculations.“Are DMV fees connected with a title loan? Some would say yes, but the law doesnt specify that they must be included,” says Fleming.According to David Reiss (@REFinBlog), a professor of law at Brooklyn Law School, “the APR adds in those additional costs and then spreads them out over the term of the loan. As a result, the APR is almost always higher than the interest rateâ€"if it is not, that is a yellow flag that something is amiss with the APR.”This is why it’s always a good idea to read your loan agreement and ask lots of questions when applying for a loanâ€"any loan.APR can sometimes be a tricky measureIf you’re talking about long-term financial products like mortgages or credit cards, APR can get complicated in a hurry.With mortgages, there can be a ton of fees involvedâ€"some of which might very well be excluded from the APR. And with credit cards, your interest usually ends up compounding on a daily basis, which means that you’ll end up paying more than the stated APR.What does “compounding interest” mean? Well, it means that your interest charges get added to your principal loan amount, which means that you start getting charged interest on your interest. Fun, right?One more way that APR can be misleading has to do with amortizing installment loans. With these loans, which are paid off in a series of equal, regu lar payments, a certain portion of each payment always goes towards your principal loan amount. As the principal goes down, the amount of money that is accrued in interest goes down too.The APR is a measurement of the cost of a loan over its lifetime, calculated from the snapshot of the origination date.” Says Fleming. “If you were to calculate the APR over the balance of a loan midway through its term the number would be different because the advance fees and interest have already been paid. “Payday Loan APRs are simple (and simply unacceptable)Compounding interest isn’t something you’ll have to worry about with a payday loan. The principal stays the principal and the interest stays the interest.And payday loans don’t amortize either. The interest you pay on a payday loan is usually referred to as a “finance charge” and it is a simple fee based on the amount you borrow. For instance, a $300 payday loan that costs $20 per $100 borrowed would have a finance charge of $60.When considering a loan, you’ll definitely want to make sure it doesn’t include any hidden or additional fees (read more in the eBook How to Protect Yourself from Payday Loans and Predatory Lenders). Other than that, calculating the APR should be a good way to calculate just how expensive that loan is compared to your other options.In fact, you’ll probably be pretty surprised.How to Calculate APR for Payday LoansWhen calculating the APR for a payday loan, you are going to need three pieces of information.The principal loan amount, or how much money you are borrowingThe amount you’re paying in interest on the loan, also referred to as the “finance charge.”The length of the repayment term, or how long the loan will be outstanding.Got that? Okay.To make things a bit easier to understand, let’s use an example:Payday Loan #1 has…A principal loan amount of $400An interest amount/finance charge of $80 (a rate of $20 per $100 borrowed)A repayment term of 14 days.First, y ou’ll want to divide the interest/finance charge by the loan principal:$80 / $400 = 0.2This tells you how much you are paying relative to how much you are borrowing. 0.2 translates to a rate 20%, which means that you are paying a 20 cents on every dollar that you borrow.Next, you’ll want to multiply that result by 365, for the number of days in a year:0.2 x 365 = 73Next, you’ll want to divide that result by the length of the repayment term:73 / 14 days = 5.214285That final result basically states that, if your payday loan were to be outstanding for a full year, you would pay over 5 times the amount you originally borrowed in fees and/or interest. To convert into APR, just move the decimal point two spaces to the right and add a percentage sign:521.43% APR(Thanks to ConsumerFed.org for this formula.)Why is the APR for payday loans so high?According to David Reiss, “The APR takes into account the payment schedule for each loan, so it will account for differences in amortizatio n and the length of the repayment term among different loan products.”Keep in mind, that the average term length for a payday loan is only 14 days. So when you’re using APR to measure the cost of a payday loan, you are essentially taking the cost of the loan for that two-week period, and you’re assuming that that cost would be applied again every two weeks.There are a little over 26 two-week periods in a year, so the APR for a 14-day payday loan is basically the finance charges times 26. That’s why payday loans have such a high APR!But if the average payday loan is only 14 days long, then why would someone want to use APR to measure it’s cost? Wouldn’t it be more accurate to use the stated interest rate? After all, no one who takes out a payday loan plans to have it outstanding over a full year…Short-term loans with long-term consequencesBut here’s the thing about payday loans: many people who use them end up trapped in a long-term cycle of debt. When it comes time f or the loan to be repaid, the borrower discovers that they cannot afford to pay it off without negatively affecting the rest of their finances.Given the choice to pay their loan off on time or fall beyond on their other expenses (for instance: rent, utilities, car payments, groceries), many people choose to roll their loan over or immediately take out a new loan to cover paying off the old one. When people do this, they are effectively increasing their cost of borrowing.Remember when we said that payday loans don’t amortize? Well, that actually makes the loans costlier. Every time the loan is rolled over or reborrowed, interest is charged at the exact same rate as before. A new payment term means a new finance charge, which means more money spent to borrow the same amount of money.“As the principal is paid down the cost of the interest declines,” says Casey Fleming. “If you are not making principal payments then your lifetime interest costs will be higher.”According to the Consumer Financial Protection Bureau (CFPB), a whopping 80% of payday loans are the result of rollover or re-borrowing and the average payday loan customer takes out 10 payday loans a year.Reiss says that “the best way to use APR is make an apples-to-apples comparison between two or more loans. If different loans have different fee structures, such as variations in upfront fees and interest rates, the APRs allow the borrower to compare the total cost of credit for each product.So the next time you’re considering a payday loan, make sure you calculate its APR. When it comes to predatory payday lending, its important to crunch the numbersâ€"before they crunch you!About the Contributors:Casey Fleming, began as an appraiser in 1979 and built one of the largest appraisal and consulting firms in the San Francisco Bay Area.   He sold the firm in 1995 to transition to mortgage lending. Casey built a team of 300 loan agents from 2003 through 2008, mentoring dozens of senior agents and p roducing training meetings for hundreds. After the Financial Crisis Casey wrote The Loan Guide: How to Get the Best Possible Mortgage.   to help consumers protect themselves from predatory practices. Today Casey is passionate about educating consumers.David Reiss, is a professor at  Brooklyn Law School  and director of academic programs at the  Center for Urban Business Entrepreneurship. He is the editor of  REFinBlog.com, which tracks developments in the changing world of residential real estate finance.

Death in Edgar Allan Poe Essay - 1100 Words

Death in Edgar Allan Poe (Essay Sample) Content: Name:Professor:Course/Subject:Date:Death in Edgar Allan PoeAn analysis of Poeà ¢Ã¢â€š ¬s two short storiesEdgar Allan Poeà ¢Ã¢â€š ¬s works are usually described as dark, eerie and profound psychological explorations of the depths of human nature. This paper will analyze two of his works namely The Premature Burial and The Masque of Red Death and discuss the recurring themes among them.The Premature Burial and The Masque of Red DeathThe Premature Burial is a collection of accounts about individuals who have suffered from premature death and with a malicious stroke of fate have been buried alive. His first account concerns that of the "wife of one of the most respectable citizens-a lawyer of eminence and member of Congressà ¢Ã¢â€š ¬" (Poe, p. 309) After an illness has befallen this lady, that which no physician has the ability to cure, she suffered from premature death. She was then deposited to the family vault only to realize, after three years, that she was ac tually alive when she was left at the vault. She struggled to get out but to no avail and so "she remained, and thus, she rotted erect" (Poe, p. 310). Another account concerns a lovely young heroine from an illustrious family. Then there was the story of premature death of an officer of the artillery who accidentally fell from his unmanageable horse. The account about the premature death of a certain Mr. Edward Stapleton followed.These narratives are particularly interesting which, "through the sacred awe of the topic itself, very properly and very peculiarly depends upon our conviction of the truth of the matter narrated" (Poe, p. 313). Then, Poe narrated his own actual experience of the matter. Poe wrote of vivid images about the illness that he suffered, often standing on the edge where Death calls out from below. And so, to prevent any premature burial, he asked that no one should bury him until "decomposition had so materially advanced as to render farther preservation i mpossible" (Poe, p. 317). But "what avails the vigilance against the Destiny of man?" (Poe, 317) In one instance, after a gunning expedition with a friend, they were forced to stay in a small cabin in Richmond because of the storm. There, he suffered again from his illness but it was momentous epiphany for Poe. After the incident, he discarded any subjects that spoke of Death and became a "new manà ¢Ã¢â€š ¬Ã‚ ; his terrors, "like the Demonsà ¢Ã¢â€š ¬ they must sleep, or they will devour us à ¢Ã¢â€š ¬ they must be suffered to slumber, or we perish" (Poe, p. 318).The Masque of the Red Death similarly tackled the subject of Death and the unrelenting struggle to escape its woe in the face of the feebleness of human nature, always prone to delusions. The story starts with the "Red Deathà ¢Ã¢â€š ¬Ã‚ , the crimson scourge that devastated the country. And there lived a man named Prince Prospero who "was happy and dauntless and sagacious" (Poe, 1842, p. 319). When half the popula tion of his dominions has fallen victims to the plague, Prince Prospero decided to retire to the "deep seclusion of one of his castellated abbeys." The abbey was constructed according to his liking and ordered his men to secure so that the "Red Death" will never penetrate its walls, "the external world could take care of itself" (Poe, 1842, p. 320). After five or six months of seclusion, he called for a masked ball while the pestilence raged abroad.Then, the narrator described how the rooms looked like in Prince Prosperoà ¢Ã¢â€š ¬s castle. It was different from the usual castles where suites form a long and straight vista and separated only by sliding doors. Prince Prospero has the taste for the bizarre. Each chamber in his castle has its own color motif à ¢Ã¢â€š ¬ from blue and purple to deep red and black. No one, however, had dared enter the western black chamber. There was also a gigantic clock of ebony that stood against the western wall. But in spite of these, the pl ace was otherwise gay and magnificent for the "tastes of the duke were peculiar" (Poe, 1842, p. 320). And there came a stranger "neither wit nor propriety existedà ¢Ã¢â€š ¬ the mummer had gone so far to assume the type of the Red Death" (Poe, p. 322). When this creature caught the eyes of Prince Prospero, he was aghast and ordered his men to seize him. When they came face to face, the masked stranger, with rapid impetuosity, pulled a dagger and struck Prince Prospero to his death. Appalled by such horror, the revelers pounced upon the stranger only to find out it has no tangible form. Then, one by one the revelers dropped dead and "Darkness and Decay and the Red Death held illimitable dominion over all" (Poe 1842, p. 323).Coming to terms with DeathThe recurrent theme in these stories is Death and in The Premature Burial, it is concerned about "certain themes of which the interests is all-absorbing, but which are too entirely horrible for the purposes of legitimate fictionà ¢Ã ¢â€š ¬Ã‚ , that is the idea of a premature death. Poe is foreshadowing the accounts that he was about to tell, which rather peculiarly, may well be entirely truthful or not. Here, we notice how Poe painted the cunning and beauty of Life more than Death itself. The very idea of premature death shows how Poeà ¢Ã¢â€š ¬s characters simply do not want to perish, they try to outsmart even the even the most certain, the inevitable end that is Death. But "who shall say where the one ends, and where the other begins?" And in doing so, it may also be the case that while this work is rather a celebration of life than its cessation, it shows how humanity, our lives, is a ceaseless and forlorn struggle against the inevitable.This was true for The Masque of Red Death where despite the concerted efforts of Prince Prospero to evade the crimson scourge that is th...

Credit Card Fraud Should Be A Federal Offense - 1120 Words

Abstract Credit card fraud is a federal offense and can get an offender up to 20 years in prison depending on the severity of the situation. Should it be a federal offense? Credit card fraud is becoming more and more relevant especially in the United States , matter of fact it increased by 16% in 2016 alone. This is a serious problem in today s society. The hypothesis that s being examined in this paper is that credit card fraud should be a federal offense. This has become a relevant topic due to the increased number of teens becoming â€Å"scammers† (credit card fraud offenders). The methods that will be used to address the topic are credit card statistics, graphs, and data charts. The key findings of this paper is that 47% of the†¦show more content†¦There are many more flaws in magnetic strip transactions than imprinted numbers. ‘’Founded in 1994 the EMV referred to Europay, MasterCard, and Visa, who together provided better card security.’’ (www.thebreif.com) Currently credit card fraud has been at an all time high in the years 2016 and 2017. This activity has skyrocketed since young teens and young adults have the idea of targeting adults and senior citizens, and using someone s information to buy whatever the scammer desires. â€Å"The U.S. is responsible for 47% of the world’s fraud despite only accounting for 24% of total worldwide card volume.’’ (www.nasdaq.com) Credit card fraud has been a big problem, although through new security implementations such as chips and pin systems, the level of security associated with cards has improved. In the future credit card fraud may come to a stop, or at least slow down significantly. With this new security being implemented and new legislation laws credit card offenders may finally be brought to justice. Problem Statement Allen 5 Credit card fraud has become more and more popular in the last two years. Some people make money off of selling cards and other people social security number. There are many vendors that let people use more than one card if the first card declines, if the card declines period the vendor is supposed to confiscate it or followShow MoreRelatedEssay on Identity Theft895 Words   |  4 Pagesways in which your identity is stolen and ways which you can safeguard yourself from being victimized. I will also report what the Department of Justice is doing and the penalties associated with these crimes. nbsp;nbsp;nbsp;nbsp;nbsp;Identity fraud is use of a persons name, social security number or other personal identifying information. Once armed with this information the thief can open accounts and rack up huge debts for goods and services. These criminals also open up various accounts rangingRead MoreIdentity Theft and Fraud: A Major Threat to the Australian Community1442 Words   |  6 PagesIdentity theft/fraud is becoming a major threat to the Australian community as technology advances. This section of crime produces substantial profits for offenders and causes considerable financial and emotions harm to the victims (Australian federal police, 2014). With this increasing alarm around identity theft/fraud in Australia, there has to be strong legal actions available to counteract the issue. Identity theft/fraud can be defined as a crime of obtaining the personal or financial informationRead MoreMemo of Points and Authorities Essay1973 Words   |  8 Pages________________________ ____________ United States of America Case No. CR-00897 Plaintiffs, v. Melyssa Baylor Plaintiffs’ Memorandum of Points and Authorities in Support of Complaint for Charge of Accessory after the fact in the crime of Credit Card Fraud Defendant, ____________________________________ Table of Contents Table of Authorities . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 2 Statement of Facts . . . . . . Read MorePlan for Suspect Interview Pe Essay1288 Words   |  6 Pagesenvironment we prescreened the risk factors for officer safety greatly diminish. However, Gavoni can feel uncomfortable and decline to interview. Gavoni can call in sick or decide to skip work on 00-00-00. 6. Statutes Under Investigation:  § 1029. Fraud and related activity in connection with access  ¬devices (a) Whoever (1) knowingly and with intent to defraud produces, uses, or traffics in one or more counterfeit access devices; (2) knowingly and with intent to defraud traffics in or usesRead MoreIdentity Theft Or Identity Fraud1707 Words   |  7 PagesThe evolution of technology has enabled criminals a new form of prey. This problem is known as identity theft or identity fraud. The development and growth of the world wide web and personal computers being have made everyday things easier for everyone, but have also made it easier for criminals to gain access to information needed to steel someone’s identity. This is a crime which cost people thousands of dollars and countless hours of time spent to regain their losses and the damages done by havingRead MoreThe Anti Phishing Act Of 2005 Sponsored1310 Words   |  6 Pagesfraudulently obtaining personal information. This essentially focuses on criminalizing two actions: [ref: http://definitions.uslegal.com/p/phishing/ ]: 1. Establishing and creating web sites with the intent to gather information from victims to be used for fraud or identity theft 2. The creation or soliciting of e-mail that represents itself as a legitimate business with similar intent Different strategies used to deceive victims for phishing scams. One of the most common popular strategies is to send emailsRead MoreUniversity Xyz, Phishing, And Legal Aspects1463 Words   |  6 Pageslocated in Massachusetts, where there is no direct single state law on anti-phishing. It is important to understand legal phishing definition, and laws applicable if University XYZ faces any phishing attack. In this section, apart from explaining federal statute and related punishment for phishing attack, details are given on government agencies that University XYZ can approach for phishing attack investigation. 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The advertisement of merchandise as part of a plan or scheme not to sell the item or service so advertised or not to sell the same at the advertised price is an unlawful prac tice and a violation of the act to which the Consumer Fraud Act is a supplement (West, 2013, p.3). According to the New Jersey law, â€Å"the consumer fraud is an act that use or employment by any person of any unconscionable commercial practice, deception, fraud, false pretense,Read MoreInternet Fraud: an Overview of Classifications, Government Actions, and Consumer Protection3671 Words   |  15 PagesInternet Fraud: An Overview of Classifications, Government Actions, and Consumer Protection December 14, 2006 Internet Fraud: An Overview of Classifications, Governmental Actions, and Consumer Protection Internet fraud is an increasing threat to our technological society, which thrives on the advances and benefits of the Internet and e-commerce. With the increased growth and dependence of the Internet, creative individuals have found ways of conveying fraudulent schemes as legitimate goods

Maslow s Hierarchy Of Needs By Abraham Maslow Essay

The subject of happiness is a very broad and general topic for everybody. The definition of happiness is different for everybody. What one person finds to be happiness, may not be the same for someone else. But once someone achieves happiness, there are many benefits that come out of that. But one has to achieve happiness first in order to enjoy the benefits of it. The difficult part is finding out what makes people happy. Many models have been developed to try and track someone s happiness, but it is almost impossible to accomplish. A strong theory of the pursuit of happiness is Maslow’s Hierarchy of Needs by Abraham Maslow. Besides this theory, there are also many philosophical views of happiness that one can discuss. After achieving this, the benefits that come out of being happy are quite beautiful. Many theories and models have been developed to try and find out what makes people happy. Researchers try to apply these models to a general human population and most of the time it is impossible to do because solely of the purpose that different things make people happy. But one theory called Maslow’s Hierarchy of Needs does an outstanding job evaluating the general things that lead to people s happiness. â€Å"Abraham Maslow developed the Hierarchy of Needs model in 1940-50s USA, and the Hierarchy of Needs theory remains valid today for understanding human motivation, management training, and personal development† (Maslow’s Hierarchy of Needs, 2016). This hierarchy is brokenShow MoreRelatedMaslow s Hierarchy Of Needs By Abraham Maslow1528 Words   |  7 Pagesself-actualization, or in easier term: happiness, one must go up the five stages of â€Å"Maslow’s Hierarchy of Needs† by Abraham Maslow. The challenges society faces to be successful today are similar to the struggles of the characters in Mary Shelley’s, â€Å"Frankenstein.† Everyone has a common goal: prosperity. In Victor Frankenstein’s case, first he accomplishes the first stage of the pyramid by meeting his physiological needs thanks to his father’s wealth. Then, he completes the second stage of safety and stabilityRead MoreAbraham Maslow s Hierarchy Of Needs Essay814 Words   |  4 Pages391: Introduction to Adolescence Education Abraham Maslow s Hierarchy of Needs Please use at least two different sources to complete the assignment, neither of which is Wikipedia!! As always, if using online resources, please do not cut and paste information. Whether using direct quotes or paraphrasing, remember to use in-text citations to acknowledge all work and ideas that are not your own. Please provide a brief biographical sketch of Maslow that includes but is not limited to his educationalRead MorePsychoanalysis : Abraham Maslow s Hierarchy Of Needs1890 Words   |  8 PagesSeptember 2014 Psychoanalysis in Jane Abraham Harold Maslow is his name and psychology is his game. Abraham Maslow, an evolutionary psychologist was not well treated as a young child. His mom would put a lock on the refrigerator and only take it off when she felt like it, and his dad would publicly announce that Maslow was ugly. Despite these challenges, Maslow made the decision to make a difference in peoples lives. For this reason he became a psychologist. Maslow said that the primary study of psychologyRead MoreAnalysis Of Abraham Maslow s Hierarchy Of Needs Essay2221 Words   |  9 Pageseffectively. This paper will discuss how SHCC effectively or ineffectively manages its employees through Abraham Maslow’s hierarchy of needs. Maslow theory Abraham Maslow’s hierarchy of needs is one of the oldest theories of motivation in management. It goes through five stages which are physiological, safety, social, esteem, and self-actualization. According to Maslow, each of these needs need to be satisfied in order for a person to feel satisfied. However, in order for this theory to be successfulRead MoreMaslow s Hierarchy Of Needs And Humanistic Psychology848 Words   |  4 Pagesresearch is Abraham Maslow. Abraham Maslow is best known for his work in creating the Maslow’s Hierarchy of Needs and Humanistic Psychology. There are many things that came out of Maslow’s findings, how he contributed to psychology, how he influenced the field of psychology, and how his findings are still used in today’s society. Maslow’s approach to psychology differed from other psychologist in his time. One of the things that Maslow developed was the Maslow’s Hierarchy of Needs. The Hierarchy of NeedsRead MoreAbraham Maslow s Influence On The Human Psyche1660 Words   |  7 Pageshave gave so much of their time, and studies spent towards figuring that out. So many people have gave their entire life to understand the human psyche, and one of those great people are Abraham Maslow. He is cited as one of the top ten psychologists of all time, which is not an easy task to achieve. Abraham Maslow was born on April 1 in 1908 in Brooklyn New York. He comes from a Jewish background with his parents coming from Russia as immigrants to the United States of America. Maslow’s childhoodRead MoreAbraham Maslow Life Span Development and Personality1082 Words   |  5 PagesAbraham Maslow Life Span Development and Personality Abraham Maslow was born April 1, 1908 in Brooklyn, New York. Abraham Maslow grew up in Brooklyn, New York, the first of seven children born to his Jewish parents who emigrated from Russia. His parents were uneducated, but they insisted that he study law. Maslow later described his early childhood as unhappy and lonely, and he spent much of his time in the library immersed in books. At first, Abraham acceded to their wishes and enrolled in theRead MoreMaslows Theory1321 Words   |  6 PagesBiography Abraham Harold Maslow, the founder of humanistic psychology, was born in New York City on April 1, 1908 and died at home in California in 1970 (Maslow, Abraham Hutchinson Encyclopedia of Biography, 2010) (Abraham H. Maslow: a Bibliography: Professional biography, 1970). He received his AB, MA, and PhD in psychology from the University of Wisconsin (1970). His work as a United States (U.S.) psychologist started in 1932 after he started working as a teaching fellow (1970). Maslow also taughtRead MoreMaslow s Motivation And Personality1604 Words   |  7 PagesAccording to Robert Frager, editor of the third edition of Maslow’s Motivation and Personality, the theorist Abraham Maslow was born in 1908 in Brooklyn, New York. He was the first of seven children born to Russian - Jewish immigrants. While Maslow’s father was uneducated, he pushed his son academically and encouraged him to become a lawyer. Maslow began his extensive education at City College of New York but later told his father that he did not want to study law. In 1928, after marrying hisRead MoreMaslows Hierarchy of Needs and Implications for Head Start Families1381 Words   |  6 PagesMASLOW’S HIERARCHY OF NEEDS 2 Maslow’s Hierarchy of Needs and Implications for Head Start Families Introduction Abraham Maslow was a prominent theorist that played a role in the formation of humanistic psychology. Maslow worked on a theory that would accommodate human motivation. The concept that behavior is motivated primarily by a person’s desired to fulfill a specific need. He proposed that is was our inner nature that we had basic needs that we strive to meet. Then as those needs

Analysis Of Prometheus, Pandora, And Io - 1400 Words

Ancient Greek mythology constantly has some type of relationship between the gods and mortals. The mortals might ask for the god’s help or may feel the wrath of a god in any myth. In the stories of Prometheus, Pandora, and Io, along with the story of Medusa, and Cassandra, the mortals end up suffering. In some of the myths, the mortals will do what the gods want, but would be punished. They might even have an affair with a god or goddess but only the mortal will be punished. This hardship and suffering of humans in Greek mythology were caused by the gods and goddesses. The god’s fear of competition in Greek Mythology cause human suffering. (Topic sentence) In the story of Prometheus, his brother and him are in charge of creating human kind. His brother Epimetheus gives the animal kingdom the gift of fur, wings, shells, and so forth. Once there is nothing left for the humans, Epimetheus looks to Prometheus for help. Prometheus gives the humans advantages over the animals. He gives men the ability to walk upright and brings fire to the earth to light the world. Io is a cow that is given the ability to speak with a human voice. She was described as a beautiful woman that Zeus fell in love with. Medusa was also a beautiful woman who was kind and respectful to the god and goddesses. She boasted about herself to everyone who would listen and boasted that she was prettier than Athena. Cassandra was a mortal that Apollo had fallen in love with. She was given the gift of prophecy by

Impact Of Fast Food On Teens - 1076 Words

Title: Impact of Fast Food on Teens. Intro: It is known that there are major issues with the Fast Food Industry and the impact on teens. Constantly teens are taken advantage of as being naive and or underrepresented Teenagers are taken advantage of on a daily base in the food industry emotionally unstable,un self representable and seek comfort in the easiest cheapest food. Carey quotes, â€Å"Fast food commercials greatly influence teens’ eating habits, since food is the most advertised item on television†, this makes a bigger impact on teens since they seek for comfort on food which then ties on to health risks. Teens tend to seek comfort in food and believe that the more fast food they it the better it would be but the effect is the total†¦show more content†¦Teenage underrepresentation and vulnerability make a huge impact on teens this makes them consume an unhealthy amount of fast food on a daily basis which then lead to major health risks. Some health risk are obesity,diabetes,cardiovascular conditions,impacts in fertility and All Cause Mortality. â€Å"A typical fast food meal is extremely high in fat and calories†, states Lee that leads to an impact in obesit y and diabetes with fast food restaurants in every corner this is not helping the issue at hand and americans still have a problem with obesity and diabetes.â€Å"Researchers found that eating more than twice per week at fast food restaurants is linked to significantly more weight gain over time than occasional visits†,Lee claims ,this problem is highly probable as food in fast food restaurants is much cheaper than in a dine in restaurant. That is one of the major impacts as fast food continues to drop in prices the more affordable and the quicker it is made the more that it is bought by customers. Pietrangelo points out â€Å"The American Heart Association suggests only eating 100 to 150 calories of added sugar per day. That’s about six to nine teaspoons†,this information helps by letting teens have an idea of what there sugar levels should be and try to not increasing majorShow MoreRelatedTeen Obesity Essay1378 Words   |  6 Pages Teen Obesity Teen obesity is a major issue in the world that is rapidly increasing especially in the United States. It has now become one of the most serious health challenges of the 21st century according to unitypoint.org. In the last 3 decades, teen obesity has more than doubled in children and quadrupled among adolescents. Why you might ask. Well, children become overweight and obese for a variety of reasons. The most common causes are genetic factors, lack of physical activity, unhealthyRead MoreDangers Posed By The Fast Food Industry899 Words   |  4 PagesPosed by the Fast Food Industry â€Å"A nation s diet can be more revealing than its art or literature† (Schlosser, 3). Historically, few trends have been as popular in the United States as fast food. 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The Number One Question You Must Ask for 2018 Ap Lit Essay Student Samples and Commentary

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In conclusion, an analytical essay is an essay meant to elaborate more than that which the readers or viewers of a particular piece might actually see. Analysis essays are known to be among the hardest to write. An analysis essay is a sort of persuasive essay. Contrary to what you might believe in the beginning, a poetry analysis essay isn't such a tricky task. Revising the essay is a rather important before submission. A well written essay is indispensable. Critical reading is vital for practically any AP English Literature review. In the decision of poem analysis essay, an individual should review the key points discussed. The absolute most important aspect that could help to comprehend how to compose a poetry evaluation essay is an excellent literature analysis essay example. You have to decide whether you're likely to attribute the work you cite to a particular individual, or simply to emphasize that it's not your work. The tone of the conclusion needs to be positive and reach a sense of completion. There are special words and word combination employed for analytical purposes which ought to be learned also. If you would like to cite more than 1 person's work, it's preferable to begin by mentioning you're likely to achieve that. Whatever the situation, you must avoid plagiarism, the wonderful taboo of any kind of writing. To begin with, read the topic sentence and be certain to underst and it. If you discover that the writer did not provide precisely what you expected, request a revision, and we'll make the corrections. For example, under introduction, the author should list all the suggestions to cover in the introductory paragraph. An analytical essay has a large selection of scope and topics. Finding out how to write an analytical essay on a poem is somewhat different from studying the strategies to analyze different kinds of literature. Because the two forms of papers are very similar, a student's thorough comprehension of the essay assignment and the writing process is essential to composing effective reaction and reflection papers. Once a student works through the full chapter, there's a chapter test which can be taken too. Create a source reference at the base of the letter, or on an individual page, if you're citing several people's work. The title is just one of the main sections of your paper you ought to pay a good deal of attention to. All y ou need to take away the black hole effect each time you open the luggage. You are likely to be somebody that's leveraging's time as a way to do more important things. The Foolproof Ap Lit Essay Student Samples and Commentary Strategy If it's necessary to compose an essay, dependent on character analysis then you've got to look at all facets. Essay composing assignments might be a hard and time-consuming experience. The structure of a poetry analysis essay is really straightforward, seeing as it merely functions as a recommendation that you need to consider when creating the very first rough outline. The point of a literary analysis is to earn an argument about a work of literature instead of just supplying a summary. A title may be the determining factor whenever someone is selecting a book to purchase. It is the first thing that captivates the attention of readers. It gives the reader an idea of the topic and the approach that will be utilized in the analysis. Superior titles provide potential readers the reason behind reading the essay in the very first location.