Company Profile Pt Indofood - 4749 Words

Company Profile PT Indofood CBP Sukses Makmur Dari awal yang sederhana sebagai sebuah produsen mie instan, Indofood telah berubah menjadi peruasahan Total Food Solution yang beroperasi di semua tahapan produksi makanan dari bahan baku produksi dan pengolahan melalui untuk produk konsumen dipasaran. Pemimpin dalam industri di Indonesia, sebuah sistem distribusi yang luas mendukung posisi produk perusahaan sebagai nama yang dicari oleh setia rumah tangga yang ada di negara ini. PT Indofood CBP Sukses Makmur mengoperasikan empat Kelompok Usaha Strategis yang saling melengkapi (Group): * Produk Konsumen Bermerek (CBP), produsen berbagai makanan kemasan di bawah sejumlah divisi termasuk mi Instan, penyedap makanan, makanan ringan, nutrisi†¦show more content†¦* Mengakusisi perusahaan perkebunan di Kalimantan Barat * Mengakusisi obligasi convertible yang diterbitkan oleh perusahaan pelayaran, setara 90,9% total saham | 2004 | * Penerapan ESOP III sebanyak 919.500 saham * Menerbitkan obligasi III sebesarRp 1 triliun * Mengakusisi 60% kepemilikan perusahaan karton bergelombang | 2003 | * Menerapkan ESOP II sebanyak58.000.000 saham * Menerbitkan obligasi II sebesar Rp 1.5 triliun | 2002 | * Menerapkan ESOP I sebanyak 228.900.000 saham * Membeli kembali 915.600.000 saham * Menerbitkan Eurobonds sebesar US$ 280 juta | 2001 | * Memperoleh persetujuan untuk melakukan skema pembelian saham kembali dan peluncuran Employee Stock Ownersh ip Plan (ESOP) | 2000 | * Melakukan 1:5 stock split * Menerbitkan obligasi I sebesar Rp 1 triliun | 1997 | * Mngakusisi 80% saham ekuitas di perusahaan perkebunan, agribisnis dan distribusi. Melakukan right issue 1:5 dimana terjadi pemambahan saham sebesar 305.200.000 pada saham gabungan | 1996 | * Melakukan 1:2 stock spilt | 1995Show MoreRelatedComparation Study of Instant Noodle Nong Shim Korea and Indomie Indonesia5064 Words   |  21 Pagessupermarket, restaurant and cafeteria. Instant noodle that has a famous brand in Korea is produce by Nong Shim Co., Ltd. In Indonesia, many people have consumed the instant noodle with practice reason, fast serving, and etc. Indomie, produced by PT. Indofood, is the number one brand and become the market leader of instant noodle. Comparing at two famous brand of instant noodle, it is needed to be known how far the effect of packaging design can attract the consumer brand preference. Keywords: packaging

Essay on Comparison Of Dorian Gray To Lord Henry And...

nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;The Comparison of Dorian Gray to nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp; Lord Henry and Sibyl Vane nbsp;nbsp;nbsp;nbsp;nbsp;Oscar Wilde’s 19th century The Picture of Dorian Gray portrays a young, naà ¯ve man, Dorian Gray, who begins to change because of Lord Henry Wotton’s negative influence on him; likewise, Dorian influences Sibyl Vane as a result of Henry’s influence on him. Because of Henry’s influence, Dorian’s attitude towards women and his respect for women change for the worse. Because of Dorian’s influence on Sibyl, she commits suicide. nbsp;nbsp;nbsp;nbsp;nbsp;Wilde first portrays†¦show more content†¦nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;nbsp;Dorian meets a young, naà ¯ve girl, Sibyl Vane, who is an actress in a small theatre. Dorian immediately falls in love with her. After a play one night, Dorian gets angry with Sibyl because she does not want to be an actress anymore. â€Å"There’s more to life than just one passion,† says Sibyl. Now that she has met Dorian, she says she will never be a good actress again. Dorian says, â€Å"You have killed my love,† and â€Å"You are shallow and stupid.† Dorian’s influence on Sibyl causes her to be shallow and vain like him. She wants to marry Dorian for his looks and money. Dorian wants to marry her for her beauty and acting. Both Dorian and Sibyl used each other to get what they want. Dorian’s words affect Sibyl so much that she commits suicide. Dorian is also affected by his words. When he goes home that night, he notices â€Å"a touch of cruelty in the mouth,† of his portrait. Dorian’s portrait has begun to reflect his soul. nbsp;nbsp;nbsp;nbsp;nbsp;Lord Henry changes Dorian with the beliefs that morals have no rightful place in life. We know that Lord Henry’s beliefs are unjust because Dorian’s picture is getting more gruesome, not more attractive. Dorian changes Sibyl by making her think that without him she is nothing. The influences on Dorian and from Dorian change him forever. These influences make him a cold-hearted, selfish man who would do anything for what heShow MoreRelatedLord Henry s Manipulation Corrupting Dorian Gray1633 Words   |  7 Pages7, 2017   Lord Henry s Manipulation Corrupting Dorian Gray   In the eyes of Lord Henry, there is no such thing as a good influence, all influence is immoral (Wilde, 8)   meaning that anything being said is neutral; however, that person uses that information is the leading factor of manipulation and corruption.   Lord Henry is the prime instigator and had motive for turning Dorian into a destructive monster, opposite his naturally shy and youthful soul. Author, Oscar Wilde, uses Lord Henry in PictureRead More A Comparison of Oscar Wilde and Dorian Gray Essay1330 Words   |  6 PagesA Comparison of Oscar Wilde and Dorian Gray      Ã‚   One novel that stands out as literary masterpiece is The Picture of Dorian Gray by Oscar Wilde. Wilde wrote a dark tale of a man, Dorian Gray, who destroys his life by exchanging his soul for eternal youth and beauty. The character of Dorian Gray, in many aspects, mirrors the self-destruction of the authors own life. Therefore, Oscar Wilde portrays his own life through Dorian Gray, the main character of the novel. Oscar Fingal O FlahertieRead MoreAestheticism in The Picture of Dorian Gray Essay2257 Words   |  10 Pages The Picture of Dorian Gray, aestheticism is a fashionable belief accepted by society at the time. Oscar Wilde uses the moral deterioration and ultimate destruction of Dorian Gray in The Picture of Dorian Gray to emphasize the negative effects of society’s preoccupation with aesthetics and offer a moral for the reader. In this novel, Oscar Wilde displays Dorian’s moral corrosion negatively in order to convince his audience of the detrimental effects of aestheticism. As Dorian descends deeper intoRead MoreThe Readers Sympathy for Dorian from Wildes The Picture of Dorian Gray2047 Words   |  9 Pagesactions. On occasion an anomaly may be found, where a character is more ambiguous. Dorian Gray’s Actions throughout The Picture of Dorian Gray paralyzes the readers’ ability to condemn Dorian as purely good or purely evil, causing them to be more sympathetic than usual. In the beginning of the book, Dorian seems to be an innocent, charming, beautiful young man, and even referred to as â€Å"a wonderful creation† (ch 2). Dorian is described as this amazing person, with looks comparable to a God, charm thatRead MoreThe Picture Of Dorian Gray By Oscar Wilde1523 Words   |  7 PagesReader Response Entry #6: Chapters 10-11 The Picture of Dorian Gray by Oscar Wilde was not received well by critics when it was published in 1890. This was because it contained themes of homosexuality and was considered scandalous. Now, it is just considered a philosophical novel dealing with morals. I think that this book would very much be viewed as indecent in Wilde’s time. For example, when talking about Dorian’s public image, Wilde writes, â€Å"Society--civilized society, at least--is never veryRead MoreThe Picture of Dorian Gray 1823 Words   |  8 Pagesis the most important aspect of life. In the picture of Dorian Gray, Aestheticism and Hedonism are very active philosophies used by the novel’s characters. Lord Henry influences Dorian to follow these teachings, and as a result Dorian becomes intensely vain and selfish. The portrait is in direct correlation with the immoral influence and the intense vanity. In The Picture of Dorian Gray, Oscar Wilde effectively uses the portrait of Dorian Gray as a symbol to satirize the adverse effects that socialRead MoreThe Picture Of Dorian Gray1680 Words   |  7 PagesAt the height of his success, Oscar Wilde wrote his novel The Picture of Dorian Gray, which follows the life of a young man living in late ninet eenth-century London. The novel shares a similar storyline with that of Wilde’s life, as Wilde wrote it in attempt to justify his homosexuality. The protagonist of the novel, Dorian Gray, enters the story an innocent man, but eventually becomes corrupt due to his need for instant pleasure. Wilde recognizes that the topic of his homosexuality brings up theRead More The Influence of Lord Henry in The Picture of Dorian Gray, by Oscar Wilde2378 Words   |  10 PagesThe Picture of Dorian Gray, concepts such as influence and the origin of evil in Dorian Gray play an exceptionally valuable role in understanding the motives of the characters. Although some critics argue characters such as Lord Kelso significantly influence Dorian’s corruption, Lord Henry Wotton’s toxic personality undeniably impacts Dorian the most. Throughout the course of the novel, Lord Henry remains the ultimate source of evil and uses deception and persuasion to poison Dorian from a naà ¯ve boy

Which Do You Prefer Free Essays

Every person has their own ways of living life. When an individual starts to make decisions, the quality of life is always considered. People resides in different parts of the world and the lifestyles varies from where they came from. We will write a custom essay sample on Which Do You Prefer? or any similar topic only for you Order Now Determining for the best place to live could give a greater impact in one’s life as there are two options that are worthwhile to consider. For any reasons, an individual can freely choose the lifestyle of either in urban and rural living providing the advantages and disadvantages from both places. Urban and Rural settlements affects the lifestyle of a person as it differs from the kind of education, employment opportunities and the environment they live in. Education plays an important role to a successful career depending to the quality of education a person can acquire to learn. In rural areas, poverty is one of the main problems that affects the educational outcome of the students. This often leads to individuals dropping out school just to support and provide for their parents and to also help them manage the household. Moreover, not many children living in less developed villages have the opportunity to study, especially in college. Countless amounts of people may not have the opportunity to have the future they dreamed of due to the fact of where they grew up or certain circumstances in their life that disabled them from their goals. Distance is another problem have to face because of the lack of transportation. Although many struggle to get to places due to lack of transportation, those who live in the rural area struggle more. A teacher also faces many challenges in rural schools. Teachers in rural areas are paid with low salaries and the lack of teachers is another huge obstacle on the way to education. Teachers are extremely important because they give the students a foundation to work from and help the students build their way up in life. So the lack of teachers would make a huge impact on the students life and future. In urban areas, by contrast, an advantage manifested by urban students usually takes place in advanced country and economy. All of the students can get access of the wealth and social opportunities that big cities can offer. Urban schools are usually larger in size and they particularly have the resources and facilities that the rural area tends to lack. Most of the schools in the cities have advanced and qualified teachers as they get ahold of continuing trainings and workshops. The range of employment options must be considered when choosing a kind of job. In Urban areas where the population is high and extremely populated, most people intend to apply for jobs where they can get a good salary. According to the research from Public Use Microdata Area (PUMA), â€Å"the most high-skilled, high paying occupations tend to cluster in urban areas. Urban centers tend to specialize in knowledge-based work with high concerns of Technicians, Engineers, Scientist and Executives, while in rural areas have larger concentration of Machinist and Makers, which generally require less skill and receive lower salaries.† (Florida 2012).In rural areas, residents do not have enough employment options due to the lack of job opportunities and most people has an inverse relationship with agriculture. In contrary, urban areas are developed in an a planned and systematic way in terms of industrialisation. A division of labor is always present in the urban settlement for job allotment and because of the great opportunities for growth and the concentration of people, urban areas are preferred for developmental programs where the business are most likely invested. Environmental conditions gives an impact on an individual’s quality of life. People living in remote places is usually described as a quiet and peaceful paradise which is a perfect place to unwind and escape from hustle and bustle of the city life. Besides rural areas are less crowded because there are not many people and cars. The scenery in rural areas are beautiful and well- conserved thus the people can enjoy the nature and have a peaceful mind. In contrast with the city dwellers, who lead a hectic life and often feel annoyed due to great stress in the daily life such as traffic, dealing with higher rates of crime and paying higher taxes. With regards to the nature, the trees are cut in urban areas for construction of roads and buildings that results to the lost of agricultural lands. The pollution and the deforestation has led to environmental imbalance and health problems, which shadow the future of urban living. Urban settlements are determined by the advanced conveniences, opportunities of education, facilities for transport, and business while the rural settlements are based more on natural resources and events. For a person who plans to reside on a specific place and get the kind of dream life however, will note the contrast between the settlement options along with how it differs in the quality of education, employment options, and the environment in both rural and urban areas. How to cite Which Do You Prefer?, Papers

My Community free essay sample

For the past four years I have lived, competed, learned, and succeeded with kids from all over the world. I live in a community where adults aren’t expected to tell you what to do, you’re expected to know what to do, and you do it. In these past four years I have been shaped into a creative yet modest leader that can succeed in any situation, a leader that can succeed at the University at Buffalo. Most high school students don’t know what it means to live in a dorm with 150 guys. As an incoming freshman having to share a room with someone else you don’t know is daunting. When learning to live with my roommate I had to learn to be respectful of him and his culture. As long as we could respect one another I knew we could get along and we were able to enjoy our time together becoming good friends. We will write a custom essay sample on My Community or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Living behind the corn silk curtain of Indiana we have the necessity and opportunity to create our own fun. We don’t have large movie theaters, shopping malls, sports arenas, or a large downtown, so hopping in the car and going to one is not an option. Pick up games in the field and hanging out with friends is what we are often found doing. I often find myself on Saturday afternoons running around campus finding people for a pick up game of football or to learn how to play a different sport such as rugby or lacrosse. Friday and Saturday nights are no different, just going outside and hanging out with friends creating your own fun beats sitting in a movie theater. Although every team dreams of being victorious it is simply not the case. Long bus rides back after a loss are something our rugby team dreads, however, I have found that my sense of humor helps lighten the mood. As we pile onto the bus, heads bowed in shame, it doesn’t take long before one can hear me crack a joke springing a smile onto everyone’s face. I have found that being able to lighten the mood or even being able to tell a joke can make someone’s day and is a trait I am happy to have. During these past four years at Culver I have learned how to use my talents to better the community in which I live, a community that closely resembles that of a university. Whether it’s through my creativity in and out of the class room, my modesty when respecting others and their cultures, or through my humor when lightening the mood, I know I have made a positive impact on my school. Knowing this I’m certain that I would be a positive contribution to the entering freshman class at the University at Buffalo. I’ve been away from home for the first time already and I have succeeded thanks to my talents. I know I can succeed again being the new kid at the University at Buffalo.

How to Create a Homeschool Schedule

How to Create a Homeschool Schedule After deciding to homeschool and selecting  curriculum, figuring out how to create a homeschool schedule is sometimes one of the most challenging aspects of educating at home. The majority of today’s homeschooling parents graduated from a traditional school setting. The schedule was easy. You showed up to school before the first bell rang and stayed until the last bell rang. The county announced the first and last days of school and all the holiday breaks in between. You knew when each class was going to take place and how long you’d spend in each based on your class schedule. Or, if you were in elementary school, you just did what your teacher told you to do next. So, how do you make a homeschool schedule? The complete freedom and flexibility of homeschooling can make it difficult to let go of  the traditional school calendar mode. Let’s break homeschool schedules down into some manageable chunks. Yearly Schedules The first plan you’ll want to determine is your annual schedule. Your state’s homeschooling laws may play a  role in setting your yearly schedule. Some states require a certain number of hours of home instruction each year. Some require a specific number of homeschool days. Others consider home schools self-governing private schools and put no stipulations on attendance. A 180-day school year is fairly standard and works out to four 9-week quarters, two 18-week semesters, or 36 weeks. Most homeschool curriculum publishers  base their products on this 36-week model, making it a good starting point for planning your familys schedule. Some families keep their schedules very simple by choosing a start date and counting days until they’ve met their states requirements. They take breaks and days off as needed. Others prefer to have a framework calendar in place. There is still lots of flexibility even with an established yearly calendar. Some possibilities include: A typical school schedule from Labor Day until the end of May/first of JuneYear ‘round schooling with six weeks on/one week off or nine weeks on/two weeks offFour-day school weeks until youve satisfied attendance requirementsFollowing your city or countys  public/private school calendar (This option works well for families who homeschool some of their children while others attend a traditional school or families in which one parent works at a traditional school.) Weekly Schedules Once you’ve decided on the framework for your yearly homeschool schedule, you can work out the details of your weekly schedule. Take outside factors such as co-op or work schedules into consideration when planning your  weekly schedule. One of the benefits of homeschooling is that your weekly schedule doesn’t have to be Monday through Friday. If one or both parents have  an unconventional work week, you can adjust your school days to maximize family time. For example, if a parent works Wednesday through Sunday, you can make that your school week, as well, with Monday and Tuesday being your family’s weekend. A weekly homeschool schedule can also be adjusted to accommodate an  irregular work schedule. If a parent works six days one week and four the next, school can follow  the same schedule. Some families do their regular  school work  four days each week reserving the fifth day for co-op, field trips, or other outside-the-home classes and activities. Block Schedule Two other scheduling options are block schedules and loop schedules. A block schedule is one in which one or more subjects are allotted  a large span of time a couple of days a week instead of an hour or so every day. For example, you might schedule two hours for history on Mondays and Wednesdays and two hours for science on Tuesdays and Thursdays. Block scheduling allows students to fully focus on a particular subject without over-scheduling the school day. It allows time for activities such as hands-on history projects and  science labs. Loop Schedule A loop schedule is one in which there is a list of activities to cover but no  specific day  to cover them. Instead, you and your students spend time on each as its turn comes up on the loop. For example, if you’d like to allow space in your homeschool schedule for art, geography, cooking, and music, but you don’t have time to devote to them each day, add them to a loop schedule. Then, determine how many days you want to include loop schedule subjects. Perhaps, you choose Wednesdays and Fridays. On Wednesday, you study art and geography and on Friday, cooking, and music. On a given Friday, you may run out of time for music, so the following Wednesday, you would cover that and art, picking  up with geography and cooking on Friday. Block scheduling and loop scheduling can work well together. You may block schedule Monday through Thursday and leave Friday as a loop schedule day. Daily Schedules Most of the time when people ask about homeschool schedules, they’re referring to the nitty-gritty daily schedules. Like yearly schedules, your states homeschool laws may dictate some aspects of your daily schedule. For example, some states homeschooling laws require a specific number of hours of daily instruction. New homeschooling parents often wonder how long a homeschool day should be. They worry that they aren’t doing enough because it may only take two or three hours to get through the day’s work, particularly if the students are young. It is important for  parents to realize that a homeschool day may not take as long a typical public or private school day. Homeschooling parents don’t have to take time for administrative tasks, such as roll call or preparing 30 students for lunch or allow time for students to move from one classroom to the next between subjects. Additionally, homeschooling allows for focused, one-on-one attention. A homeschooling parent can answer his or her student’s questions and move on rather than answering questions from an entire class. Many parents of young children through first or second grade find that they can easily cover all subjects in just an hour or two. As students get older, it may take them longer to complete their work. A high school student may spend the full four to five hours – or more – dictated by state law. However, you shouldn’t stress even if a teen’s school work doesn’t take that much time  as long they are completing and comprehending it. Provide a learning-rich environment for your children and you will discover that learning happens even when the school books are put away. Students can use those extra hours to read, pursue their hobbies, explore electives, or invest in extracurricular activities. Sample Daily Schedule Allow your daily homeschool schedule to be shaped by your family’s personality and needs, not by what you think it â€Å"should† be. Some homeschool families prefer scheduling specific times for each subject. Their schedule may look something like this: 8:30 – Math9:15 – Language Arts9:45 – Snack/break10:15 - Reading11:00 – Science11:45 – Lunch12:45  Ã¢â‚¬â€œ History/social studies1:30 – Electives (art, music, etc.) Other families prefer a daily routine to a time-specific schedule. These families know that they’re going to start with math, using the example above, and end with electives, but they may not have the same start and end times each day. Instead,  they work through each subject, completing each and taking breaks as needed. Factors to Consider It’s important to note that many homeschooling families start much later in the day. They don’t start until 10 or 11 a.m. – or even until the afternoon! Some factors that may influence a homeschooling family’s start time include: Biology – Night owls or those who are more alert in the afternoon may  prefer a later start time. Early risers and those who are more focused in the mornings, usually prefer an earlier start time.Work schedules – Families  in which one or both parents work an atypical shift may choose to start school after that parent goes to work. When my husband worked second, we had our big family meal at lunch and started school after he left for work.Family needs – Factors such as a new baby, a sick parent/child/relative, a home-based business, or maintaining a family farm can all affect start times.Outside classes  Ã¢â‚¬â€œÃ‚  Homeschool co-op,  dual-enrollment, and other classes or activities outside the home may dictate your start time requiring that you  complete school work before or after these commitments.   Once you have teens who are working independently, your schedule may undergo a radical shift. Many teens find that they’re most alert late at night and that they also require more sleep. Homeschooling allows the freedom for teens to work when they’re most productive. The Bottom Line There is no one perfect homeschooling schedule and finding the right one for your family may take some trial and error. And it will likely need to be adjusted from year to year as your children get older and the factors affecting your schedule change. The most important tip to remember is to allow your familys needs to shape your schedule, not an unrealistic idea of how the schedule should or shouldnt be set up.

The 29 Colleges With the Best Financial Aid

The 29 Colleges With the Best Financial Aid SAT / ACT Prep Online Guides and Tips College in the US is expensive- too expensive, in fact, for the average student to afford on their own. According to the National Center for Education Statistics, about 86% of first-year students at 4-year colleges were receiving some financial aid as of a couple of years ago. Financial aid is good in all its forms, right? If it helps college students afford their educations, what could be the problem? Unfortunately, not all financial aid is created equal, and not all schools can afford to give out â€Å"good† student aid. Here, I’ll briefly talk about the types of financial aid available (the â€Å"good† kinds and the â€Å"bad† kinds) before laying out the collegeswith the best financial aid programs in the country. Financial Aid Basics: the Good, the Bad, and the Ugly Financial aid comes from a variety of sources and in a variety of forms. Ultimately, all of this money is meant to cover your college expenses- these costs include tuition, room, board, fees, transportation, and personal expenses. Your total, or Cost of Attendance, will vary depending on where you’re planning on going to school. You can get more detailed information on all of these costs in our guide to college expenses. So what counts as financial aid? There are three main types of aid that you should be aware of: Grants are sums of money that you don't have to pay back. They're usually awarded based on financial need. Grants can come from the federal government or from your school. Loans are sums of money that you borrow to fund your education. You pay back the sum after graduation, in addition to paying back interest charges. Ultimately, you pay back more than you borrow. Loans can come from the federal government (like Direct loans and Perkins loans) or from a private lender like a bank. Like, grants, scholarships are sums of money that you don't have to pay back. They can come from private sources (like corporations) or from your school. They can be awarded based on merit only or based on a combination of merit and financial need. Athletic scholarships and academic merit scholarships are sometimes awarded by schools to extremely competitive applicants. These awards are given to entice students to accept an offer admission; financial need isn't necessarily considered in these cases. Now that you know about the different forms of financial aid, we can talk about what aid types are more helpful than others. "Bad" Aid These types of aid won't always be wrong for everyone, but they shouldn't be your first resort. I define bad financial aid asaidthat's agood short-term solution, but a burdensome in the long term.Financial aid packages are less appealing when they offer the majority of their financial aid in the form of loans.What this means is that you’re still responsible for those college expenses, only you’ll have to pay them after you graduate instead of right now. You’re also responsible for interest charges, which are especially high when loans have high rates and/or are unsubsidized. Private Loans Private loans are not included on schools’ financial aid packages because the loan lenders are banks, not the schools. If your out-of-pocket cost is too high (i.e. if grants/scholarships don’t cover enough of your college expenses), you may consider turning to student loans to cover the difference. Private loans may be viable financial options for some students. I'm not saying that private loans are eviland that no one should ever take out student loans from banks. They should, however, be the last option you consider after grants, scholarships, and low-interest/subsidized loans. A "Bad" Financial Aid Package Less desirable financial aid packages will comprise mostly of loans, particularly high-interest loans. In these cases, a school can't or won't cover a student's unmet need, so the onus to find funding is put on the student. What this usually means is that the student has to take out loans to cover the cost of his or her education. The average student debt for graduates of 4-year BA programs in the US is about $24,000. For some students, even this average debt amount may seem unmanageable. "Good" Aid These aid options tend to be better options; they're more sustainable in the long run. I define good financial aid as aid that's a helpful and sustainable financial solution for both the short and long term. Basically, good financial aidenables you to afford the education you need without hindering you professionally, financially, or personally after you graduate. Here are examples of aid that fit this definition: Grants Any free money is good money. Because you don't have to pay back any money that you receive from grants, this award type won't hinder you in any way after you graduate. Like I mentioned earlier, they can come from both public and private sources. Check out our Pell Grant guide to learn more about federal grant options. Scholarships Scholarships are similar to grants- because it's essentially free money, you won't have to worry about repayment at any point. The major difference between grants and scholarships is that scholarship applicants are almost always evaluated on merit, even if the scholarship is need-based. To get started with your scholarship search, check out our guides to top awards for high school juniors and high school seniors. Low-Interest Loans The bad news: loans aren't as fun as grants or scholarships. You have to pay back the money + interest. The good news: loans can still be viable and manageable solutions for students who can't afford a school's net price after any grants or scholarships. What makes a loan a good financial option? Low-interest rates, primarily. Many federal loan programs have low-interest rates, including Direct loans and Perkins loans.You may be able to get private loans with low-interest rates if you have good credit - generally, though, federal loans are better financial options. Start learning about federalDirect Subsidized, and Direct Unsubsidized loans. Subsidized Loans Subsidized loans can save you some serious money in the long run because they don't accrue interest while you're in school and for 6-10 months after you graduate. See exactly how much money you'll save with a subsidized versus an unsubsidized loan. The Perkins loan is one special example of a subsidized loan - not only do youforgo interest charges while you're in school, but you could also be eligible for loan cancellation. A "Good" Financial Aid Package Ultimately, good financial aid packages are made up of a healthy percentage of grants and/or scholarships. If loans are included, they’ll be low interest (5% or lower) and may even be subsidized. They'llcover some of your financial need and maybe throw a scholarship or grant your way. The best financial aid packages will cover all of your financial need. What this means is that the school itself funds your education after any federal grants without making you take out loans. In the next section, you'll get a list of schools that claim to meet all of its students’ financial need - the best kind of financial aid. Want to build the best possible college application? We can help. PrepScholar Admissions is the world's best admissions consulting service. We combine world-class admissions counselors with our data-driven, proprietary admissions strategies. We've overseen thousands of students get into their top choice schools, from state colleges to the Ivy League. We know what kinds of students colleges want to admit. We want to get you admitted to your dream schools. Learn more about PrepScholar Admissions to maximize your chance of getting in. Colleges With Best Financial Aid The following is a list of schools that claim to meet all of its students’ financial need without having them take out any loans. What that means is that your family will only be asked to pay what they can afford, and the school will cover the rest of the costs with their institutional financial aid funding. (Note that there are other schools that are need-blind that offer small loan amounts as part of their aid package.) You don’t necessarily need to be low-income to have all of your financial need met. For example, Harvard doesn’t ask families for any contribution if family income is less than 65k, and families will only need to contribute up to10% of their income if they make between 65k and 150k. Aid amounts operate on a sliding scale for families that make more than 150k. Students with the most financial need tend to get the most aidbecause many of these schools’ financial aid initiatives are based on removing barriers to college access based on finances. If you're interested in any of the schools listed, just click the link to get information on admissions requirements: Amherst College Bowdoin College Brown University Colby College Columbia University Dartmouth College (No loans for family income less than $100,000) Davidson College Duke University (No loans for family income less than $40,000; sliding scale after that) Harvard University Haverford College(No loans for family income under $60,000) Lehigh University (No loans for family income under $75,000; sliding scale after that) MIT (No loans for family income under $90,000) Northwestern University (All first-year aid packages are loan-free) Pomona College Princeton University Rice University (No loans for family income below $80,000; small loans above that) Stanford University Swarthmore College University of Chicago University of North Carolina - Chapel Hill (low-income North Carolina students may qualify for aid without loans through the Carolina Covenant) University of Pennsylvania University of Richmond Vanderbilt University Vassar College (No or limited loans for low-income families) Washington and Lee University Washington University in St Louis (no loans for family income below $75,000) Wellesley College(no loans for family income below $60,000; sliding scale after that) Williams College (no loans for family income below $75,000) Yale University Why Do These Schools Offer the Best Financial Aid? You might have noticed that the schools on the list above are all pretty competitive private institutions. These private schools tend to be pretty elite, with strong alumni networks. Successful alumni tend to donate more to their alma maters, leading to more financial aid funding and better financial aid programs. They may have higher sticker prices than many public schools, but they tend to be less expensive than public schools for many students due to their financial aid programs. Many of the above schools only offer need-based aid. They don’t offer merit-based scholarships because, like I mentioned earlier, their financial aid initiatives focus on removing barriers to education access. They don’t have to offer merit-based scholarships to entice applicants because their applicant pool is already so strong. What If You're Not Eligible for Need-Based Aid? Some students may want to seek out financial aid even if they aren'teligible for many need-based programs. If you're one of these students, there's one important thing you need to know: if financial aid isn't need-based, then it's merit-based. There are a couple of ways you can earn money for college regardless of financial need. 1. Apply for merit-based scholarships. Many scholarship programs don't consider applicants' financial need at all when giving out awards. Start your scholarship search with our guide to awards for high school seniors - just read over eligibility requirements carefully to make sure financial need isn't taken into account. 2. Apply to schools where merit-based aid is common. Few public universities or top private schools offer large amounts of merit-based aid- public universities can’t afford to, and top private schools don’t have to. That being said, there are schools where merit aid is much more common. These schools use merit-based aid to stay competitive by attracting strong applicants. The following schools tend to award merit aidto a high percentage of students: Rhode College Franklin W. Olin College of Engineering New England Conservatory of Music John Brown University University of Puget Sound Samford University University of Mary Trinity University The New School Denison University Hillsdale College Furman University Gonzaga University Birmingham - Southern College University of Tulsa UT-Permian Basin Centre College Oberlin College San Francisco Art Institute Savannah College of Art and Design DePauw University What's Next? Now that you know where to send in your college applications, you can start putting together a strategy for your financial aid applications. To get an overview of the financial aid process, check out our simple guide to applying for financial aid. If you already have a financial aid strategy, check out our detailed info on submitting your FAFSA. Looking for other ways to go to college without taking out loans? Check out these 13 amazing full-ride scholarships you could get. Want to improve your SAT score by 160 points or your ACT score by 4 points?We've written a guide for each test about the top 5 strategies you must be using to have a shot at improving your score. Download it for free now:

How newspaper work Essay Example | Topics and Well Written Essays - 1500 words

How newspaper work - Essay Example The article by Michael D. Shear and Peter Baker talks of the political hullabaloo around the increase in restrictions revolving the use of firearms in America. While doing so, it also takes into account several of the problems that affect legislation in this regard. This includes the lobbying that is done by many people who are a part of the firearms industry. This article explores the legal aspects of the problem that affects many parts of the United States of America (2013). Another aspect that the article explores is that of the immediate provocation for the government to initiate these proceedings. This is the shooting that took place in Connecticut recently. This took the lives of many young people as a result of the lax laws related to the possession of firearms within America (Aarthun and Candiotti, 2012). These laws have then to be looked into in a more serious and critical way and new methods have to be found out so as to deal with these problems. The article also talks abou t the problems that the government is likely to run into with the companies that manufacture firearms. Such companies would be hit hard due to the problems associated with that of the reduction of the use of firearms (Holland, 2013). This would then lead to problems where lobbying has to be dealt with in a firm manner since lax laws have led to high rates of violence within America. (Warning shot: Gun violence lands US lowest life expectancy among rich nations, 2013). One of the most important