Boom of Credit Cards

Charge cards have become such a natural element of the way of life on the planet that it is hard to envision a customer economy working without them. The charge cards are these days the most helpful of a wide range of installments. The blast of the charge card industry has influenced everybody in the realm of the â€Å"plastic money†. That was the name given to the Mastercard directly after it was designed. These days, the â€Å"plastic money† possesses a significant spot in the economy of the nation. â€Å"Settlements shows that the quantity of charge cards available for use expanded 34 percent between 1988†¦.. The information likewise show that the estimation of charge card exchanges expanded 98 percent during the equivalent period† (Yoo, p. s. 1997). A great deal of reasons clarify the way that the charge cards are holding the most significant spot in the wallet and handbags today. Behind these reasons , is concealing a vital social marvel that has extremely terrible results in the nation, charge card misuse. In spite of the measures taken by the authorities, insights demonstrate that the number is expanding ordinary. Today, Visa and Master card involve a significant spot in the Mastercard commercial center yet the pioneer in the business stays to be Diners Club. In 1949, as the lunch get-together tables were cleared at the Major†s Cabin Grill, a well known New York café of the period whose area nearby of the Empire State Building was then a significant resource, three men sat clustered over a prime table out of the way †¦. In their energy, they brought over Major, the owner and asked him the amount he would pay for business that he would not normally get. Without wincing, Major answered â€Å"7 percent† , number that built up a significant industry (Lewis, 1990). ' Those three men were Alfred Bloomingdale, Frank Mc Namara and Ralph Snyder. They imagined an arrangement for another kind of charge card. Not at all like the retail and gas Mastercards, which were limited being used to those businesses, theirs would be â€Å"universal† card that permitted its holders to buy merchandise and enterprises at better places the nation over. An industry was conceived, Diners Club As a self evident certainty, the period directly before the First World War, was the main year for another industry, the Mastercard business. Those first Visas were not so much Mastercards as they are today since they served distinctly for restricted requirements. They could be utilized distinctly on an exceptionally low level. The utilization of Mastercards by retailers started in 1914†³ (Lewis, 1990). Since that date there was an unfathomable development of charge card creation. Preceding World War I, scarcely any lodgings, oil organizations and retail establishments gave charge cards. At that point in 1931 the carrier organizations presented the charge cards in their business (Lewis, 1990). The advancement and the extension of the card went lide the speed of light. The most significant advance was the acquaintance of the charge card with the Internet in the 90†³s. Today, Web servers empower installments with charge card. A charge card exchange over the Internet is one of the most widely recognized kinds of installment. On the off chance that a trader has a record with a shipper bank that offers Internet Mastercard preparing, he would have the option to acknowledge Visa installment over the Internet (http://search. netscape. com). â€Å"There was an expansion of $78 billion more than 1994, in only one brief year. We†ve been following it since 1980, and we†ve never observed that sort of increment. † (Glenn, 1984, pp. 857-68). What are the reasons that clarify the quick increment of the utilization of the Mastercards? As one explanation that may clarify the marvel, a few people may believe that conveying a charge card is a lot simpler than having money or a checkbook in their wallets or handbags. There is no uncertainty that the â€Å"plastic money† doesn†t trouble in a wallet or a tote as a result of its little size. Another explanation that may clarify the charge card fever is that it permits its holders to go through the cash they haven†t got at this point. As a matter of fact, it would seem that free cash, in spite of the fact that it truly isn†t. That is the situation of the understudies who have Visas and whose guardians will pay the obligation their youngster has made. The most grounded contention that could be likewise the principle reason the t clarifies the expanding number of Mastercard exchanges is that a great deal of low salary people are conveying â€Å"plastic money† and are utilizing it generally however not shrewdly. At the point when the ideal opportunity for taking care of the funds to be paid comes, many individuals need more cash to clear their bills. Here is the start of a cycle that most likely will never stop (Kathy and Bill B. â€Å"s case) until the charge card organization or the banks understand that their customer†s obligation is developing each month. Prior to any response of the leasers, the obligation has arrived at a mind boggling sum. Because of a non-installment of the bills, the issues in the charge card industry started. Notwithstanding lost or taken cards and charging blunders, a wild marvel was conceived in the business, misrepresentation. Two significant viewpoints decide the extortion in the business, taken cards and the underground market made around the â€Å"plastic cash. † truth be told, falsifying Mastercards has taken a significant turn during the 60s. True to form, not long after they had initiated the spontaneous charge card programs in the late 1960s, the bank started to encounter noteworthy misfortunes because of misrepresentation (Lewis, 1990). Measurements demonstrate how quick the extortion went up in the business. In 1964, the U. S. Mail station examined just fifteen instances of charge card extortion. After four years, in 1968, that figure shot up to 360, and the next year, it dramatically increased to 762. In 1970, Andrew Brimmer, one of the Federal Reserve Board†s seven governors, demonstrated that bank charge card misfortunes had expanded 50 percent that year to $115. 5 million or $3. 4 percent of $3. 4 billion in extraordinary Mastercard obligation (Lewis 1990). In 1971, the Los Angeles Police Department made open its originally announced of duplicating charge cards. The forgers, two ladies and small time who obviously knew about at any rate one bank numbering framework utilized credible clear cards stock to succeed their activity (Lewis, 1990). The extremely quick presumption of the maltreatment in the charge card industry made the banks and the Visa organizations consider discovering arrangements that could stop this horrendous wonder. Since the significant wellspring of misfortunes in the business was taken cards, it was exceptionally hard for the Mastercard organizations to discover an answer that would stop extortion. The extortion in the Visas business had a significant effect in the economy of the United States, for example, money related misfortunes. In 1973 alone, Visas misfortunes were evaluated to be $288 million-or 1015 percent of the all out Visa deals (Lewis, 1990). The wrongdoing rate has increased four quarter in succession just because since 1991†¦.. Toward the finish of 1991, $3. 4of each $100 owed on charge card was reprobate, up eight percent from 1994 (Business Journal of Charlotte, 1996). Whose obligation right? In enormous part, the banks themselves were answerable for their proceeding with misfortunes. In their longing to advertise their cards as effectively as could reasonably be expected, they were hesitant to discolor the picture go the Mastercard by publicizing accounts of burglaries and misfortunes , so they concealed the data not to caution potential cardholders(Lewis, 1990, p. 8). The administration might be considered capable also in light of the fact that the administration issues cards to the individuals for government travel costs as it were. Sadly, those cards have been utilized for the acquisition of mixers, adornments and blossoms (Fritz, S. 1996, March 16). That is another â€Å"ugly face† of Visa misuse. The individuals who should assist the nation with overcoming the issues misuse escalate the circumstance. As the business was developing, the banks and the Visa ventures didn't think about any elective that would stop an inevitable extortion in the business. The absence of the executives was one of the significant wellsprings of the issue. As one arrangement that must be discovered, the Mastercards organizations concocted the made sure about Mastercard that permits the client to spend not more than what the individual has in their bank sparing record. That appeared to be a decent answer for stop the extortion yet lawbreakers are acceptable to the point that they concocted approaches to take advantage of conceivably rewarding business sector. By the mid 1970†³s, the Visa organizations introduced their own law authorization to battle Visa extortion, the Association of Credit Card Investigators (ACCI). The job of this unit o the Mastercard organizations was to have a superior administration of the developing number of clients. One measure started by the ACCI that demonstrated powerful was a mix of a post mailer with double dating on the Mastercard. A double dating empowers the Visa Company to defer the successful beginning date of the card until after it ought to have been gotten by the cardholder. The post mailer educated the expected cardholder that a card had been sent to the person in question and that the Mastercard Company ought to be informed in the event that it had not yet been gotten. Therefore to the significant estimates assumed by the acknowledgment cards organizations, 75% drop in misrepresentation in the primary years (Ventura, 1992). Another preventive measure received by the Mastercards organizations was an admonition announcement making the banks and shippers aware of deceitful cards. All the significant Mastercards organizations didn't support this sort of measure. On one hand, American Express, Diners Club felt that the admonition notices were important to control extortion just as the abuse of cards by delinquents and overspenders. Then again, Visa took the position that cautioning releases were a bit much and that sending postcard was sufficient. Insights demonstrated later that Visa was losing a higher level of its charge volume from extortion than American Express and di

Play within a play Essays - Economy, Politics Of The United States

Prof. P History 2010 07 September 2010 The Great Depression: America, 1929-1941 This book was composed by Mc Elvaine in 1993. His belief system of the Great Depression in the United States is a well assembling account, to a great extent ordered. In this interpretive history, the creator examines the causes and the consequences of the most noticeably terrible despondency in American history, covering the time from 1929 to 1941. Its accentuation is on individuals and legislative issues, with representations of Hoover and Roosevelt and portrayals of occasions and clashes in and around decisions, gatherings and groups, Congress, laborers' associations, alleviation programs, etc. He likewise looks at the reasons for this destructive occasion, its effect upon the American individuals, and the political, administrative, and social reactions to it. There's no genuine endeavor at financial history, there's not a solitary table of figures, yet the monetary discussions about the Depression and its causes are addressed in the initial sections. There's considerably more profundity to the social history, however that is for the most part drawn nearer from the point of view of organizers and projects; for the perspectives on customary Americans, McElvaine draws vigorously on the letters written to Eleanor and Franklin Roosevelt. There's likewise an (interesting to me) record of the Federal Theater Project and the other workmanship alleviation ventures. The creator jumps into mainstream writing and movies of the period to assemble a story of the open's evolving esteems, from rivalry based avaricious independence in the Roaring Twenties to participation based monetary moralism McElvaine endeavors were to put the Depression in the more extensive flows of US history, with a specific spotlight for huge scope, long haul changes in mentalities and qualities. This occasionally appears to be over-oversimplified, however gives his account a controlling system: the main genuine cumbersomeness accompanies endeavors to connect the Great Depression to current governmental issues. I don't wish to romanticize the Great Depression period as some brilliant time of collaboration and network, yet I do accept there are pertinent exercises to be gained from the manner by which networks reacted to the enduring of their time, especially as we remain on the moving sands of a bluff called breakdown Little foundation is accepted by The Great Depression ? I had no issues tailing it in spite of my scrappy information on United States history ? also, McElvaine's methodology makes for simple perusing. Just as making a fine presentation, it gives a premise to encourage increasingly specific perusing. I totally can't help contradicting McElvaine's methodology that Franklin Roosevelt's New Deal and Keynesian financial aspects didn't protected the country from all out calamity, however he likewise brings up that ...the changing blend of American qualities in the Depression-was of considerably more hugeness than was Roosevelt himself.(324) Roosevelt's plan would have fallen on hard of hearing and conceited ears ten years sooner, and it couldn't have prevailing without an adjustment in values in the American individuals that had the option to resound with the estimations of the New Deal. I hurry to include that I do accept that it was the New Deal that eventually hauled the country out of the downturn. As I would like to think the FDR organization and the New Deal spared private enterprise from the stun of its most exceedingly terrible abundances by being realistic, and not ideologically inflexible. I am not denying World War II and the starting of the military mechanical complex that did help and has kept on forestalling miseries and cover increasingly extended, less noticeable monetary and social bad form. The book finishes by reasoning that nothing the New Deal did ever restored the Depression (which just finished with the beginning of World War II), however that the rising estimations of Depression-time America laid the basis for the U.S. government we know today. However I think the creator's assessments are extremely uncovering, regardless of whether I don't concur with the greater part of them. The Great Depression was an extraordinary injury. I think it is critical to comprehend the time as it was in those days. To put it plainly, this book is a regarded investigation of the HISTORY of the Great Depression time, with a portion of the writer's liberal sentiments. The dates, realities, individuals and occasions are clarified altogether and in a manner that is anything but difficult to peruse. By and by, I think a decent account of Franklin Roosevelt is a superior spot to begin, yet this book

How to Create an ADHD-Friendly Home and Classroom

How to Create an ADHD-Friendly Home and Classroom ADHD School Print How to Create an ADHD-Friendly Home and Classroom By Keath Low Keath Low, MA, is a therapist and clinical scientist with the Carolina Institute for Developmental Disabilities at the University of North Carolina. She specializes in treatment of ADD/ADHD. Learn about our editorial policy Keath Low Medically reviewed by Medically reviewed by Steven Gans, MD on August 05, 2016 Steven Gans, MD is board-certified in psychiatry and is an active supervisor, teacher, and mentor at Massachusetts General Hospital. Learn about our Medical Review Board Steven Gans, MD Updated on April 19, 2019 ADHD Overview Symptoms Causes Diagnosis Treatment Living With In Children Compassionate Eye Foundation/Martin Barraud/Taxi/Getty Images Dr. Sydney S. Zentall, professor of Special Education at Purdue University, is an internationally known researcher in the education of children with ADHD. He focuses specifically on the preferences and responses of these students to specific learning conditions and environments and is the author of the book ADHD in Education. How Do ADHD Children Learn Best? According to Dr. Zentall, children with ADHD seek change/novelty and high-interest activities. They do best with an engaging active curriculum at school and an active home environment. Incorporating physical movement and motor activity throughout the day increases successes. When involved in a cognitive activity, children with ADHD often benefit from choices rather than solely adult-directed tasks. With their innate curiosity, these kids have a great potential for learning. The trouble arises when a child with ADHD becomes bored. The longer they have to attend to a task, for example, or the longer they have to wait for their turn, the more stimulation they need. In addition to this need for stimulation, children with ADHD also have a need to feel competence, both academically and socially. They tend to do well with activities that involve some competition which enables others to see how well they are doingâ€"earning rewards, badges, leadership opportunities or other symbols of achievement. Social Needs and Challenges Children with ADHD also benefit tremendously from social connections and relatedness to others. Social interactions are often their most important source of stimulation. If you are a teacher, your warm support and personal attention to these students are vital. Kids with ADHD also enjoy producing emotional reactions in others. They may be drawn to the children at school who cause more trouble and they often look for or try to provoke an emotional reaction in order to feel more stimulation. Because a loud or angry response from an adult or peer tends to be reinforcing for many children with ADHD, when you must convey disapproval or reprimand a child with ADHD, a nonemotional, calm, and matter of fact response is best. Creating an ADHD-Friendly Classroom Dr. Zentall has developed a checklist for parents and teachers to utilize in order to help children with ADHD appropriately fulfill their need for stimulation and competence. Goal 1 â€" Needs Stimulation (Movement and Choices) Movement among centers and seatsActivity breaksActive response tasksChoice of tasks and reporting methodsChoice of jobs and responsibilitiesChoice of learning groups Goal 2 â€" Needs Competence A. Academic Competence1. Tasks Reduced length (chapters)Self-pacedInterests used in instructionColor (overlays, markers, paper)Relevant color usedComputers providedTeach how to visually planMake global points and outlines 2. Settings Interesting centersUse of games in teachingAnimals presentMusic availableChecklists, prompt cards usedActivities or toys for delay time B. Social Competence 3 times more positives than negativesIntense, emotional rewardsPrivate, firm, soft reprimandsShow personal interest in childPeer activities with rulesCooperation is taught and rewarded Creating an ADHD-Friendly Home   Goal 1 â€" Needs Stimulation (Movement and Choices) Available paths to run, trampolines, poolsActive responsibilities that are “helpful”Available family activities (picnics, biking)Choice of homework setting and task orderChoice of jobs and responsibilitiesChoice of homework activity breaks Goal 2 â€" Needs Competence A. Academic Competence1. Tasks Flexible play materials (?Legos, paints)Support for pretend play, journalingBooks selected for child’s interestFamily conversations related to interestsSupport for collections/hobbiesComputers providedTeach how to visually planReduce verbalizations to the child 2. Settings Interesting homework settingsUse of games in getting tasks/jobs completedPets presentMusic available during homeworkChecklists, prompt cards usedActivities or toys for delay time3 times more positive statements than negativesIntense, emotional rewardsPrivate, firm, soft, nonemotional reprimandsShows personal interest in child and child’s friendsFriend activities with rulesStrict reasonable rules and manners are rewarded

Animals Used in Research - 1458 Words

The topic that I am choosing to examine for my paper is about animals that are used in research and the rights they they do or do not have. The reason that I chose this particular topic is because that it is a topic that is very significant to me. I am currently going to Delaware technical Community College to become a Veterinary technician. My lifelong dream has always been to help and save animals, Any creature great or small animals used in research, mistreated, neglected and abused is not something that sits to well with me and many other animal rights activist.. When it come to the moral ethics and moral status of animals these are problematic subjects. You are going to have two very opposing sides, some people are tolerable with animals being used in animal research because they feel that these animals have no moral status, they are not autonomous, and they are not sentient, and they are here for our misuse, abuse and consumption. The first theory that I will be looking a t is deontological theory of Immanuel Kant, and autonomy. Kant’s theoretical approach is that of an indirect theory. Indirect theories state that animals do not warrant our moral concern on their own, but they may warrant our concern as they relate to humans. I will also examine the direct theory approach of the Utilitarian theory in regards to animals and animal research. Animal rights has been an issue since man enslaved the first animal to do its bidding. For centuries philosophers haveShow MoreRelatedShould Animals Be Used for Research2686 Words   |  11 PagesProfessor Sophie Sills English 240 December 16, 2011 Should Animals be used for Research During the past ten years, a major controversy over the use of animals in biomedical and behavioral research has arisen. The debate about using animals for medical testing has been ongoing for years. The struggle is usually between animal rights activists and scientist. I believe that animal testing is imperative to the progression of medical cures, procedures and drugs. Scientists have been solving medicalRead MoreShould Animals Be Used for Research? Essay740 Words   |  3 Pages There are several types of animals being used for research, but not surviving the test. Animals are similar to human beings; they have hearts just like human beings. Researchers have absolutely no sympathy for these animals, including the vicious ones. All animals need some type of affection from humans, or else there is a high possibility the animals will not survive. Personally, animal researching should be banned, but doing so, the researchers would have to find something else or someone elseRead MoreAnimals Should Not Be Used For Biomedical Research1635 Words   |  7 PagesAnimals have been used from the beginning of time the ancient civilisations used animal testing to find answers to the unknown for example why do animals exist romans greeks simply dissected animals to have knowledge. Now days animals are used to understand basic human biology, so called â€Å"models† for studying human biology and disease. Improvements in human health, vaccines and medicines. Ano ther type of animal use is for cosmetics. Even though people believe that biomedical research is a wayRead MoreAnimal Experimentation Should Be Used For Research1600 Words   |  7 Pageswhether the practice of animals research should be used. 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These experiments can cause pain to the animals involved or reduce their quality of life in other ways. Animal experimenters are aware of this problem and agree that the testing should be made as humane as possible. While this practice has been followed for years now, some people still strongly believe that it is a cruel act and should be permanentlyRead MoreShould Animals Be Used For Medical Science Research?1321 Words   |  6 PagesIs the use of animals in medical science research justified? Should this be permitted? Why is it allowed that animals have to suffer so a human can use Windex or wear makeup? An estimated 26 million animals are used every year in the United States for scientific and commercial testing. Animal research testing is unnecessary to advance medical research any further. 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Even though animals have rights they should still be used for experiments because if scientist experiment on humans and something go wrong they could kill that human being. That is why animals should be used for medical research because they have different blood type and cells from us. Something that can easily kill us might not kill an animal, so with that they can find a way to cure the

The Tragedy of Child Abuse and Neglect Essay - 1852 Words

Child abuse has been defined as, any intentional act that results in physical or emotional harm to a child. This could cover any behavior from assault, to neglect, to molestation. (Encarta 1) In 1995, a study was done by the National Center on Child Abuse Neglect. They concluded that in the United States alone, approximately 3 million children are victims of some sort of maltreatment each year. This means that an unimaginable amount of our county’s adolescents are being seriously mistreated, and the numbers are rising steadily. While the specific definition of child abuse may differ from state to state, the effects unfortunately do not. Physical maltreatment, neglect and sexual abuse create immediate†¦show more content†¦While the bodily harm that abused children suffer is unimaginable, the emotional damage can often be much worse. Maltreatment has been proven to be a major cause of dissociative disorders. For example, many times abuse victims take on multiple pers onalities to hide from their pain. (Morris 451) Also, in a study done by the National Institute of Justice, it was concluded that childhood abuse increases the likelihood of arrest for juvenile crime by 53%. (Breckenridge B3) Many of these children also follow the Intergenerational Transmission of Violence, where they learn violent behavior as a child and grow up to be abusive parents as well. In fact, about 30% of abused kids follow the same violent pattern with their children. (Encarta 2) In the 1960s, it was thought that fewer than 1000 children were physically harmed per year. It actually wasn’t until the 1990s when the matter of domestic violence came into the spotlight, and now it is known to be over 1000 times that amount. (Melton vii) Fortunately there are now more havens from abuse where adolescence can be counseled and educated about the wrongs they suffered. One of these centers, the Laurelwood Child Center in Cleveland, Ohio focuses on the recovery of child abuse victims. Although many of the patients at the center do grow up to better themselves, a good amount do not respond as well. In an article in The PlainShow MoreRelatedThe Child Abuse and Neglect Prevention and Treatment Act of 19741070 Words   |  5 Pagesdangerous and horrendous tragedy. One of the most horrific laws that people violate is that of child abuse and neglect. In 1974, the United States Congress passed an act that would provide the necessary laws and regulations that would protect those who have become victims of child abuse and neglect. According to this policy was meant to: â€Å"provide financial assistance for a demonstration program for the prevention, identification, and treatment of child abuse and neglect† (CAPTA of 1974 P.L. 93-247)Read More Child Abuse and Neglect814 Words   |  4 Pages Child Abuse Child abuse and neglect is frightfully high. 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In this presentation you willRead MoreChild Abuse And Neglect704 Words   |  3 Pageshave so much hope because you have not seen the tragedies in the world. Imagine just for a second that before you were even five, you had to take care of yourself. As a toddler you felt unloved and neglected. Each year 5.5 million chil dren experience this feeling, not just for a second, but throughout their childhood. Neglect is child abuse, as well as physical abuse, sexual abuse, and emotional abuse. Child abuse is awful because it causes the child to feel worthless, to lose trust, and to have seriousRead MoreKeeping secrets1746 Words   |  7 Pageskinds of reasons for child abuse. As there are different kinds of child abuse. Such as, physical abuse, sexual abuse, mental abuse, and neglect. Abuse occurs in all cultures. It doesn t care if you re rich or poor, what color your skin is, what your religious background is, or any other mitigating factors. No one is immune to abuse. If a child has unexplained bruises, broken bones, and even cigarette burns, that is physical abuse. Physical abuse can also cause death to the child. No adult has a right

The Silver Linings Playbook Chapter 41 Free Essays

How Is She? My birthday falls on a Friday. December 29. In the afternoon, Mom helps me tape trash bags around my cast so I can take my first shower since I broke my leg. We will write a custom essay sample on The Silver Linings Playbook Chapter 41 or any similar topic only for you Order Now This is sort of embarrassing to talk about, but Mom has to help me keep my cast out of the shower, so she holds the shower curtain for me, protecting the cast, as I straddle the edge of the tub, trying to keep my weight on my good leg. Mom hands me the soap when I need it and also the shampoo. She pretends not to look at my naked body, but I am sure she gets a glimpse at some point, which makes me feel strange. I haven’t worked out in days, so I feel very small and weak – but Mom doesn’t say anything about my diminished girth, because she is a kind woman. After my shower, Mom helps me put on a pair of sweatpants she has modified, cutting one leg off at the thigh so my cast can fit through. I also put on a button-down shirt from the Gap and my new leather jacket. I hop down the steps, crutch my way out the door and into the backseat of Mom’s car, sitting sideways so my cast will fit. When we arrive at the Voorhees house, I crutch my way into Cliff’s office, pick the black recliner, prop my cast up on the footrest, and tell Cliff everything. When I finish my story, Cliff says, â€Å"So you’ve been in bed since Christmas?† â€Å"Yeah.† â€Å"And you have no interest in reading or watching television?† â€Å"No.† â€Å"And you’re not working out your upper body at all? No weights?† â€Å"No.† â€Å"What do you do all day?† â€Å"I sleep, or I think. Sometimes I write, but Danny has been coming to visit me too.† I had already told Cliff all about God reuniting Danny and me, which even Cliff had to admit was a bit of a miracle and maybe the silver lining to my awful Christmas. â€Å"What do you and Danny do when he visits?† â€Å"We play Parcheesi.† â€Å"Parcheesi?† â€Å"It’s the Royal Game of India. How can you not know it?† â€Å"I know Parcheesi. I’m just surprised you and Danny play board games together.† â€Å"Why?† Cliff makes a funny face, but doesn’t say anything. â€Å"Danny brings his Parcheesi game all the way from North Philly. He rides the trains.† â€Å"That’s good, right? It must be nice to see your old friend.† â€Å"I was sorry to learn that he still can’t rap, even after a second operation, but his aunt got him a job doing the janitorial work at her church, which is also a day-care center. He wipes down the pews with pine oil and mops the floors and empties the trash and vacuums every night – stuff like that. He smells like pine trees now too, which is sort of a nice bonus. But Danny is quieter than I remember him being in the bad place.† â€Å"Did you tell Danny about what Tiffany did to you?† Cliff asks. â€Å"Yeah, I did.† â€Å"What did he say?† â€Å"Nothing.† â€Å"He didn’t give you any advice?† â€Å"I didn’t ask him for any advice.† â€Å"I see.† Cliff grabs his chin, which lets me know he is going to say something my mother has told him. â€Å"Pat, I know how you lost your memory. Everyone does.† He pauses here, gauging my reaction. â€Å"And I think you remember too. Do you?† â€Å"No.† â€Å"Do you want me to tell you how you lost your memory?† â€Å"No.† â€Å"Why?† I don’t say anything. â€Å"I know Dr. Timbers used to tell you the story every day as part of your therapy. That’s why I never brought it up. I thought maybe you would talk about it when you were ready, but it’s been almost five months – and now you have a broken leg, and things seem to have gotten worse. I can’t help feeling as though we need to start trying other tactics. What Tiffany suggested about closure is true. I’m not saying her methods were honorable, but you really do need to come to terms with what happened, Pat. You need closure.† â€Å"Maybe my movie isn’t over,† I say, because sometimes moviemakers trick the audience with a false bad ending, and just when you think the movie is going to end badly, something dramatic happens, which leads to the happy ending. This seems like a good spot for something dramatic to happen, especially since it’s my birthday. â€Å"Your life is not a movie, Pat. Life is not a movie. You’re an Eagles fan. After watching so many NFL seasons without a Super Bowl, you should know that real life often ends poorly.† â€Å"How can you say that now, especially since the Eagles have won four straight and are headed into the play-offs – even after McNabb went down!† Cliff just looks at me, almost as if he is scared, and suddenly I realize that I was just yelling. But I can’t help adding, â€Å"With a negative attitude like that, it will end poorly, Cliff! You’re starting to sound like Dr. Timbers! You better watch out, or you’re going to be defeated by pessimism!† There is a long silence, and Cliff looks really worried, which begins to worry me. On the drive home, Mom tells me that people are coming over for my birthday. She is making me a birthday dinner. â€Å"Is Nikki coming?† I ask. â€Å"No, Pat. Nikki is never coming,† Mom says. â€Å"Never.† When we arrive home, Mom makes me sit in the family room while she cooks meat loaf and mashed potatoes and green beans and an apple pie. She keeps trying to talk to me, but I really do not feel like talking. Jake and Caitlin arrive first, and they try to cheer me up by talking really enthusiastically about the Birds, but it doesn’t work. When Ronnie and Veronica arrive, Emily climbs onto my lap, which makes me feel a little better. Caitlin asks Emily if she wants to draw a picture on my cast, and when she nods, Mom finds some markers and we all watch little Emily draw. She starts off by making a wobbly circle, which is understandable, since the cast is not perfectly flat, nor smooth. But then she just scribbles all sorts of colors everywhere, and I cannot tell what she is up to until she points to her creation and says, â€Å"Pap!† â€Å"Did you draw a picture of Uncle Pat?† Ronnie says, and when Emily nods, everyone laughs because it looks nothing like me. When we sit down at the dining-room table, my father is still not home. Even after the win over Dallas, he has been pretty distant lately, hiding in his study again. Nobody mentions my dad’s absence, so I don’t either. Mom’s meal is delicious, and everyone says so. When it is time for pie, they sing â€Å"Happy Birthday† to me, and then little Emily helps me blow out the candles that make the shape of the number 35. I hardly believe that I can actually be thirty-five, because I still feel like I am thirty – maybe I only wish I were thirty, because then I’d have Nikki in my life. After we eat our pie, Emily helps me open my presents. I get a brand-new wooden hand-painted Parcheesi board from Mom, who says she invited Danny to my party, but he had to work. Ronnie, Emily, and Veronica give me an Eagles fleece blanket. Jake and Caitlin give me a membership to a gym in Philadelphia. The brochure in the box says the club has a pool and a steam room and basketball courts and racquetball courts and all types of weight-lifting equipment and other machines that build muscles. â€Å"It’s where I work out,† my brother says. â€Å"And I was thinking we could start working out together once your leg mends.† Even though I’m not all that interested in working out so much anymore, I realize that the membership is a nice present, so I thank Jake. When we retire to the living room, I ask Veronica about Tiffany. â€Å"How’s Tiffany?† I say. I’m not really sure why I ask. The words just sort of slip out of my mouth, and when they do, everyone stops talking and a silence hangs in the air. â€Å"I invited her to your party,† Mom finally offers, probably just so Veronica will not feel badly about her sister being excluded. â€Å"Why?† Jake asks. â€Å"So she can lie to Pat again? Set him back a few more years?† â€Å"She was only trying to help,† Veronica says. â€Å"Your sister has a funny way of helping.† â€Å"Stop,† Caitlin says to Jake. And then the room is silent again. â€Å"So how is she?† I ask, because I really do want to know. How to cite The Silver Linings Playbook Chapter 41, Essay examples

Theme For English B free essay sample

# 8211 ; Different, But The Same Essay, Research Paper In the verse form, Theme for English B, Langston Hughes points out that we are frequently loath to acknowledge that our similarities are frequently more common than our differences. Even though he is colored, he is still merely like his white teacher in many ways. The coloured adult male may look to be different from the white adult male on the outside, but we are all the same on the interior. His tegument colour is different, and he comes from different a background, yet we have many things in common with each other. Hughes is merely 22, the merely coloured pupil in the category, and lives at the Y in Harlem. His teacher is older, white, and presumptively lives in an upper category vicinity. They are different in age, skin colour, and are from different backgrounds. They are similar in that they both are engaged in the survey of English literature at? the college on the hill? Hughes likes to? eat, slumber, drink, and be in love? and? work, read, larn, and understand life? ( 822 ) presumptively merely as the teacher or any other individual, either colored or white, enjoys. We will write a custom essay sample on Theme For English B or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page He besides likes? Bessie, Federal Bureau of Prisons, or Bach? ( 822 ) . Typically, the Bessie and bop manner of music is listened to largely by the coloured people. However, he besides likes Bach, which is typically listened to largely by the white people. So, even though he is colored, they are connected in that he likes things common to all races, even the music common to the white people. Hughes appears to repent his engagement in some parts of the teacher? s universe. He does non desire to be a portion of the white adult male, and believes that his white teacher does non desire to be a portion of him either. Hughes admits that he can larn from his teacher, and hopes that his teacher can larn from him. They both recognize that they can larn from their engagement and their differences from each other. He does non desire to be judged as a coloured adult male, but wants to be accepted as the adult male that he is? an American. Although they are different in the colour of their tegument, they are connected in that they are both American. We may come from different backgrounds and have some different likes, but we are all connected and can larn from each other. We must be accepting of each other, and appreciate our differences, yet acknowledge that we are similar in so many more ways.