Bless Me Ultima Book Report Essay -- essays research papers

Book Report: Favor Me, Ultima Title of Work: Bless Me Ultima Writer and Date Written: Rudolfo Anaya 1972 Nation of Author: New Mexico, USA Characters: Ultima-An old Curandera who comes to go through her last days with Antonio and his family. She is Tony’s guide and causes him to locate the correct way for his life.  â â â â â â â â â Antonio Marez-A little youngster who is conflicted between his folks: a Marez and a Luna. In any case, with the assistance of Ultima, he finds his own predetermination. He yearns for information: he is a knick-knacks kid, a remarkable understudy, and a scrutinizing admirer.  â â â â â â â â â Maria Luna - Antonio’s mother. A benevolent lady who’s one dream is to see her most youthful child become a cleric. She is fixated on his instruction and pushes him to find out about the way of life of her family, the Lunas.  â â â â â â â â â Gabriel Marez-Antonio’s father. A glad man, a lighthearted farmer on the fields who will in general push his child away from his mother’s defensive arms. He is regularly discouraged in light of the fact that he surrendered his way of life for his better half. His fantasy in to move to California.           Lupito-A man turned distraught by the happenings of the war who murders the sherriff of the town without a second thought. It is his blood that first debases the waterway. The memory of his demise remains with Tony all through the novel and makes him consider the distinction among great and fiendishness and absolution.  â â â â â â â â â Narciso-A decent man who attempts to shield Ultima from hurt. On account of the loss of his young spouse, Narciso starts to drink and is known as the town alcoholic. Through his nursery, Narciso makes enchantment by developing wonderful blossoms and plants. He is later murdered by Tenorio without blinking while at the same time attempting to caution Ultima of mischief and is covered as the town alcoholic rather than the legend that he is.  â â â â â â â â â Leon, Andrew, and Eugene-Tony’s siblings. The goliaths in his fantasy. They head out to battle the War and return developed men with their own fantasies and convictions. The unavoidably break the core of their pleased dad by going out all alone and not helping him satisfy his fantasy about moving to California.  â â â â â â &n... ...ment in which the story happens. His ellaborate portrayal of the llano shows you the magnificence of Spanish America and causes you to comprehend the anxious culture of the vaqueros who meander across it. Likewise, Anaya gives you a definite portrayal of El Puerto. The town where the Lunas dwell. The symbolism in this portrayal likewise encourages you to comprehend the way of life of the ranchers, the quiet and calm individuals who plant their harvests by the light of the moon and live in harmony. Symbolism assumes and significant job in this novel in light of the fact that without it, certain viewpoints, for example, the purpose of perspectives on both the Lunas and the Marez faimy, could never be comprehended . Centrality of Title of Work: The title of the novel: Bless Me, Ultima shows the force and information on Ultima. Toward the finish of the story, Antonio says, â€Å"Bless me, Ultima† (260). With these words you locate the significance of the title. Author’s Techniques: Rudolfo Anaya utilizes numerous Spanish expressions in this book. The purpose behind this is to show the way of life of the characters in the novel. Additionally he utilizes symbolism to clarify the excellence of the llano the Spanish America. By utilizing both these methods in his composition, Anaya bring s the genuine culture of

Onlive vs Traditional Education Outline free essay sample

Theory Statement: Online training gives understudies adaptable timetables and the capacity to work at their own pace, while a customary instruction furnishes understudies with the capacity to associate with instructors and friend while learning. I. When deciding to settle on the decision to come back to class, and further instructions levels it very well may hush up a troublesome choice to make. Regardless of whether the decision is to take a crack at an online program or the customary training style, understudies must be devoted and settle on the decision that will best accommodate their way of life and schedule.II. Learning Styles A. Homeroom I. Eye to eye with educators II. Board B. Web I. Talk room correspondence II. Gatherings III. Timetable A. Adaptability I. Accommodation II. Work while in school B. Routine I. Set time to show up II. Set measure of hours out of each week IV. Supplies A. Innovation I. PC/printer II. Microsoft word B. Essential needs I. We will compose a custom paper test on Onlive versus Traditional Education Outline or on the other hand any comparative subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Pen II. Paper V. Assignments A. Printed version I. Posted on slate II. Transformed straightforwardly into instructor hand B. UploadedI. Posted in discussions II. Sites When it comes to online instruction versus the customary training style there are a few contrasts between the two, yet there are a lot of comparable. Whichever way every understudy gets decent instruction and needs to set objectives and gauges for themselves to accomplish culmination of their program of decision. Understudy should simply first settle on which sort of learning style better suites them and choose what will be the best for their way of life.

How to Handle an Unexpected Bill

How to Handle an Unexpected Bill How to Handle an Unexpected Bill How to Handle an Unexpected BillHaving an emergency fund is a great way to handle surprise expenses, but what if the bill’s a mistake?Let’s set the sceneYou’ve settled into your couch after a long day at work. You’ve turned on Dancing With The Stars and are pumped for an hour of watching Frankie Muniz try to tango. You’ve got that day’s mail on your lapâ€"but you’re not worried. All your bills are up to date.And then suddenly there it is: an unpaid bill from the hospital. What the heck? You get up and check your files. You’re sure that you paid that bill from your daughter’s gall bladder surgery…In an instant, your quiet night of watching Terrell Owens go head-to-head with Barbara Corcoran on the glittering dance floor is ruined. Now you have to deal with this stupid bill that’s throwing your carefully planned finances into a tizzy.Unexpected bills mean unexpected headachesFor many folks, handling major expenses like medical and car repair bills isn’t easy. Ac cording to a study from the Kaiser Family Foundation, 45 percent of Americans report that they would have trouble paying a surprise bill of only $500. That same study also found that, among people with incomes under $40,000, 35 percent don’t think they’d be able to pay that bill at all.Paying off these kinds of surprise expenses is one reason that people turn to payday loans and title loans. These short-term no credit check loans come with extremely high interest ratesâ€"the Consumer Financial Protection Bureau (CFPB) estimates [PDF] an average APR of 339 percent for payday loansâ€"which is why they can all too easy trap borrowers in a dangerous cycle of debt.When it comes dealing with an unexpected bill, sketchy no credit check loans or pricy  cash advances on your credit card are clearly not the answer. Taking one out could only dig you deeper in the financial hole.Some unexpected bills are not to be trusted.Before figuring out just how you’re going to pay off that surprise bill, you first need to determine that the bill is legitimate. In a world that is rife with hackers and con artistsâ€"where incidents like the Equifax Hack and post-hurricane scammers can happen within a month of each otherâ€"you can never be too careful.Plus, it’s very well possible that a bill you’ve received was sent to you in error. (That’s the type of scenario we outlined in the opening section.) Lenders, debt collectors, hospitals, and utility companies are, after all, perfectly capable of making mistakes. Some even engage in shady, possibly illegal practices that deliberately mislead you as to what you owe.it’s not as though all lenders, credit card companies, and utilities are  In some cases, a bill will be a flat out scam. In other cases, it will just be the result of a clerical error.The two most common types of unexpected billsJim Wang (@WalletHacks) is a personal finance expert who shares his strategies for achieving financial independence on his blog, Wallet Ha cks. In regards to bills that are fake or inaccurate, he says that the most common kinds are medical bills and debts that are in collections:“Medical bills are notoriously hard to read, can often be coded incorrectly, and since theyre linked with something you know happened (some kind of treatment) its easy to fall into the trap of paying it.”“As for collections, thats a debt that was sold off and collection agencies can be very aggressive in how they try to recoup that money. Many times they cant even prove they own the debt in the first place.”How to handle a medical billFor medical bills, you need to go through each line item and confirm its accurate,” says Wang. This will be hard because the coding may be strange but look for anything that looks incorrect (one treatment instead of another) and anything thats added in but that you never received.”“Confirm the dates of the treatment match the date on the line items on each bill. Itll look scary but you need to go thr ough and ask questions about anything you dont recognize, medical billing fraud is huge.”“If theres something nefarious, Id look into calling an attorney,” he says.If you aren’t able to sort the situation out using only the bill itself, then Wang says that it’s time to start making calls:“Get the provider (usually the hospital or utility) and have them explain what each item is and why its on the bill. If you need to, you can call your insurance provider for help if things are unclear. If you dont get results you like, you can call your states department of insurance, they will have a fraud investigation team, and your states medical boards.”“If calling the provider or your insurance company doesnt resolve it, you need to get state and federal agencies involved. If its truly fake, it shouldnt come to that but if it does, reach out to an attorney for help because they will know the ins and outs of navigating that situation within your state.”How to handle a collecti ons billIf you have a bill that’s been sent to collections, there’s a good chance that the debt has been sold to a debt collection agency. This means that the original owner of the debt (a lender, hospital, utility company, etc.) sold the debt to this agency for a fraction of what you actually owed and wrote the rest of it off as a loss. That collection agency is now trying to recoup as much of the debt as they can from you.There have been many instances where collections agencies have used incredibly aggressive tactics (also known as harassment) to recoup the debts that they own. And while some of these tactics are legal, some of them are most definitely not.To learn more, see: What Debt Collectors Can and Can’t Do.If you think a debt collector might be fake, the Federal Trade Commission (FTC) offers the following advice:Ask them for their name, address, phone number, and company name.Ask that they send you a “validation notice” in writing.Send them a letter asking that t hey stop calling you as legit debt collectors legally have to do soâ€"but only if you request it in writing.Do not give them any personal information like your SSID, account numbers, etc.Contact the original creditor to whom you owed the debt so that they can confirm its status.Report the call to the FTC, the CFPB, or to your state’s Attorney General.Above all, be preparedIf you receive a surprise bill in the mail, and it turns out to be legitimate, then you’re going to have to pay it.The best way to prep for unexpected expenses is to build and maintain an emergency fund. Start with building up $1,000 dollars, then work your way up to a fund that covers six months worth of expenses. Eventually, you should have enough in savings to cover two years worth of costs.To learn more about building an emergency fundâ€"and other good financial practicesâ€"you should check out our recent blog post: 7 Bad Money Habits That Lead to Bad Credit.Above all, you should avoid predatory  bad credit loans like payday and title loans. If you absolutely have to turn to personal loans to handle your bill, you should probably stick to more affordable installment loans.(And if you’re going to apply for an installment loan, might we suggest you apply for one from OppLoans? We’re awesome, we promise.)Don’t let surprise bills knock off your game. Be thorough, be prepared, and you’ll be back to enjoying Dancing With the Stars before you know it.Have you ever received a bill that you later learned was fake? We want to hear about it! You can email us or you can send us a tweet at @OppLoans.ContributorsJim Wang shares his strategies for getting ahead financially and in life at Wallet Hacks (@WalletHacks). Jim has been writing about personal finance for over ten years and has been featured in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money. How to Handle an Unexpected Bill How to Handle an Unexpected Bill How to Handle an Unexpected BillHaving an emergency fund is a great way to handle surprise expenses, but what if the bill’s a mistake?Let’s set the sceneYou’ve settled into your couch after a long day at work. You’ve turned on Dancing With The Stars and are pumped for an hour of watching Frankie Muniz try to tango. You’ve got that day’s mail on your lapâ€"but you’re not worried. All your bills are up to date.And then suddenly there it is: an unpaid bill from the hospital. What the heck? You get up and check your files. You’re sure that you paid that bill from your daughter’s gall bladder surgery…In an instant, your quiet night of watching Terrell Owens go head-to-head with Barbara Corcoran on the glittering dance floor is ruined. Now you have to deal with this stupid bill that’s throwing your carefully planned finances into a tizzy.Unexpected bills mean unexpected headachesFor many folks, handling major expenses like medical and car repair bills isn’t easy. Ac cording to a study from the Kaiser Family Foundation, 45 percent of Americans report that they would have trouble paying a surprise bill of only $500. That same study also found that, among people with incomes under $40,000, 35 percent don’t think they’d be able to pay that bill at all.Paying off these kinds of surprise expenses is one reason that people turn to payday loans and title loans. These short-term no credit check loans come with extremely high interest ratesâ€"the Consumer Financial Protection Bureau (CFPB) estimates [PDF] an average APR of 339 percent for payday loansâ€"which is why they can all too easy trap borrowers in a dangerous cycle of debt.When it comes dealing with an unexpected bill, sketchy no credit check loans or pricy  cash advances on your credit card are clearly not the answer. Taking one out could only dig you deeper in the financial hole.Some unexpected bills are not to be trusted.Before figuring out just how you’re going to pay off that surprise bill, you first need to determine that the bill is legitimate. In a world that is rife with hackers and con artistsâ€"where incidents like the Equifax Hack and post-hurricane scammers can happen within a month of each otherâ€"you can never be too careful.Plus, it’s very well possible that a bill you’ve received was sent to you in error. (That’s the type of scenario we outlined in the opening section.) Lenders, debt collectors, hospitals, and utility companies are, after all, perfectly capable of making mistakes. Some even engage in shady, possibly illegal practices that deliberately mislead you as to what you owe.it’s not as though all lenders, credit card companies, and utilities are  In some cases, a bill will be a flat out scam. In other cases, it will just be the result of a clerical error.The two most common types of unexpected billsJim Wang (@WalletHacks) is a personal finance expert who shares his strategies for achieving financial independence on his blog, Wallet Ha cks. In regards to bills that are fake or inaccurate, he says that the most common kinds are medical bills and debts that are in collections:“Medical bills are notoriously hard to read, can often be coded incorrectly, and since theyre linked with something you know happened (some kind of treatment) its easy to fall into the trap of paying it.”“As for collections, thats a debt that was sold off and collection agencies can be very aggressive in how they try to recoup that money. Many times they cant even prove they own the debt in the first place.”How to handle a medical billFor medical bills, you need to go through each line item and confirm its accurate,” says Wang. This will be hard because the coding may be strange but look for anything that looks incorrect (one treatment instead of another) and anything thats added in but that you never received.”“Confirm the dates of the treatment match the date on the line items on each bill. Itll look scary but you need to go thr ough and ask questions about anything you dont recognize, medical billing fraud is huge.”“If theres something nefarious, Id look into calling an attorney,” he says.If you aren’t able to sort the situation out using only the bill itself, then Wang says that it’s time to start making calls:“Get the provider (usually the hospital or utility) and have them explain what each item is and why its on the bill. If you need to, you can call your insurance provider for help if things are unclear. If you dont get results you like, you can call your states department of insurance, they will have a fraud investigation team, and your states medical boards.”“If calling the provider or your insurance company doesnt resolve it, you need to get state and federal agencies involved. If its truly fake, it shouldnt come to that but if it does, reach out to an attorney for help because they will know the ins and outs of navigating that situation within your state.”How to handle a collecti ons billIf you have a bill that’s been sent to collections, there’s a good chance that the debt has been sold to a debt collection agency. This means that the original owner of the debt (a lender, hospital, utility company, etc.) sold the debt to this agency for a fraction of what you actually owed and wrote the rest of it off as a loss. That collection agency is now trying to recoup as much of the debt as they can from you.There have been many instances where collections agencies have used incredibly aggressive tactics (also known as harassment) to recoup the debts that they own. And while some of these tactics are legal, some of them are most definitely not.To learn more, see: What Debt Collectors Can and Can’t Do.If you think a debt collector might be fake, the Federal Trade Commission (FTC) offers the following advice:Ask them for their name, address, phone number, and company name.Ask that they send you a “validation notice” in writing.Send them a letter asking that t hey stop calling you as legit debt collectors legally have to do soâ€"but only if you request it in writing.Do not give them any personal information like your SSID, account numbers, etc.Contact the original creditor to whom you owed the debt so that they can confirm its status.Report the call to the FTC, the CFPB, or to your state’s Attorney General.Above all, be preparedIf you receive a surprise bill in the mail, and it turns out to be legitimate, then you’re going to have to pay it.The best way to prep for unexpected expenses is to build and maintain an emergency fund. Start with building up $1,000 dollars, then work your way up to a fund that covers six months worth of expenses. Eventually, you should have enough in savings to cover two years worth of costs.To learn more about building an emergency fundâ€"and other good financial practicesâ€"you should check out our recent blog post: 7 Bad Money Habits That Lead to Bad Credit.Above all, you should avoid predatory  bad credit loans like payday and title loans. If you absolutely have to turn to personal loans to handle your bill, you should probably stick to more affordable installment loans.(And if you’re going to apply for an installment loan, might we suggest you apply for one from OppLoans? We’re awesome, we promise.)Don’t let surprise bills knock off your game. Be thorough, be prepared, and you’ll be back to enjoying Dancing With the Stars before you know it.Have you ever received a bill that you later learned was fake? We want to hear about it! You can email us or you can send us a tweet at @OppLoans.ContributorsJim Wang shares his strategies for getting ahead financially and in life at Wallet Hacks (@WalletHacks). Jim has been writing about personal finance for over ten years and has been featured in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.