What is the Debt to Income Ratio

What is the Debt to Income Ratio What is the Debt to Income Ratio? What is the Debt to Income Ratio?One of the great things about credit is that it lets you make purchases you wouldn’t otherwise be able to afford at one time. But this arrangement only works if you are able to make your monthly payments. That’s why lenders look at something called your debt to income ratio. Its a number that indicates what kind of debt load you’ll be able to afford. And if youre looking to borrow, its a number youll want to know.  Unless your rich eccentric uncle suddenly dies and leave you a giant pile of money, making any large purchase, like a car or a home, is going to mean taking out a loan. Legitimate loans spread the repayment process over time (or a longer term), which makes owning these incredibly expensive items possible for regular folks.But not all loans are affordable. If the loan’s monthly payments take up too much of your budget, then youre likely to default. And as much as you, the borrower, do not want that to happen, it’s also something th at lenders want to avoid at all costs.It doesn’t matter how much you want that cute, three-bedroom Victorian or that sweet, two-door muscle car (or even if you’re just looking for a personal loan to consolidate your higher interest credit card debt). If you cant afford your monthly payments, reputable lenders aren’t going to want to do business with you. (Predatory payday lenders are a different story, they actually want you to be unable to afford your loan. You can read more about that shadiness in our personal loans guide.)So how do mortgage, car, and personal lenders determine what a person can afford before they lend them? Well, they usually do it by looking at their debt to income ratio.What is the debt to income ratio?Basically, it’s the amount of your monthly budget that goes towards paying debtsâ€"including rent or mortgage payments.Your debt to income ratio is benchmark metric used to measure an individual’s ability to repay debt and manage their monthly payments, ” says Brian Woltman, branch manager at Embrace Home Loans (@EmbraceHomeLoan).“Your DTI as it’s commonly referred to is exactly what it sounds like. It’s calculated by dividing your total current recurring monthly debt by your gross monthly incomeâ€"the amount you make before any taxes are taken out,” says Woltman. “It’s important because it helps a lender to determine the proper amount of money that someone can borrow, and reasonably expect to be paid back, based on the terms agreed upon.”According to Gerri Detweiler (@gerridetweiler), head of market education for Nav (@navSMB), “Your debt to income ratio provides important information about whether you can afford the payment on your new loan.”On some consumer loans, like mortgages or auto loans, your debt to income ratio can make or break your loan application,” says Detweiler. “This ratio typically compares your monthly recurring debt payments, such as credit card minimum payments, student loan payments, m ortgage or auto loans to your monthly gross (before tax) income.”Here’s an exampleLarry has a monthly income of $5,000 and a list of the following monthly debt obligations:Rent: $1,200Credit Card: $150Student Loan: $400Installment Loan: $250Total: $2,000To calculate Larry’s DTI we need to divide his total monthly debt payments by his monthly income:$2,000 / $5,000 = .40Larry’s debt to income ratio is 40 percent.David Reiss (@REFinBlog), is a professor of real estate finance at Brooklyn Law School. He says that the debt to income ratio is an important metric for lenders because “It is one of the three “Cs” of loan underwriting:Character: Does a person have a history of repaying debts?Capacity: Does a person have the income to repay debts?Capital: Does the person have assets that can be used to retire debt if income should prove insufficient?What is a good debt to income ratio?If you listen to Ben Franklin, who subscribed to the saying ‘neither a borrower nor lender be ,’ the ideal ratio is 0,” says Reiss. But he adds that only lending to people with no debt whatsoever would put home ownership out of reach for, well, almost everyone. Besides, a person can have some debt on-hand and still be a responsible borrower.“More realistically, in today’s world,” says Reiss, “we might take guidance from the Consumer Financial Protection Bureau (CFPB) which advises against having a DTI ratio of greater than 43 percent. If it creeps higher than that, you might have trouble paying for other important things like rent, food and clothing.”Requirements vary but usually if you can stay below a 33 percent debt-to-income ratio, youre fine,” says Detweiler. “Some lenders will lend up to a 50 percent debt ratio, but the interest rate may be higher since that represents a higher risk.”For Larry, the guy in our previous example, a 33 percent DTI would mean keeping his monthly debt obligations to $1650.Let’s go back to that 43 percent number that Rei ss mentioned because it isn’t just an arbitrary number. 43 percent DTI is the highest ratio that borrower can have and still receive a Qualified Mortgage.What’s a Qualified Mortgage?Qualified Mortgages are home loans that follow certain guidelines designed to make them safe. The lenders that issue these loans make an effort to determine a borrower’s ability to repay the loan, which is a hallmark of safe, socially responsible lending.According to the CFPB, in order to be classified as “Qualified” a mortgage must not have loan terms longer than 30 years; include any “interest-only” periods, during which borrowers only makes payments towards the interest (not the principal); “balloon payments,” which are are larger than normal payments that come towards the end of the loan’s repayment period; or “negative amortization,” which can lead to your loan principal increasing over time.There are some exceptions to the 43 percent DTI rule for Qualified Mortgages. For ins tance, lenders under a certain size can issue mortgages to customers with a higher DTI. However, if you have a DTI above 43 percent, you will generally find that it’s harder to get a Qualified Mortgage. Not only will you see higher interest rates on your loan, you are more likely to be offered predatory termsâ€"like the ones mentioned aboveâ€"that make it much harder to repay.What’s not included in your debt to income ratio?Keep in mind that not all payments are included in this calculation,” says Detweiler. “For example, your utilities or cell phone payment wont likely factor in. Rent may or may not factor in, depending on the type of loan. Also, remember the lender will factor in the anticipated monthly payment from the loan you are trying to get into the calculation.”That’s why including your current rent is the trickiest part of the DTI calculation. Remember, if you are currently renting but are applying for a home mortgage loan, then your monthly rent payments will no longer factor into your DTI once you own a home.So while calculating your current debt to income ratio (including your monthly rent) might be helpful, the number that really matters is the debt to income ratio that includes your mortgage payments.“It’s important though to take into account the amount of money you’re comfortable with paying on a monthly basis,” says Woltman. “Too many times people ask the question How much can I qualify for? when in actuality they should be asking How much can I borrow to keep my payment at $XXX per month? It’s important to know what you’re willing to spend and work from there.”Heres how you can improve your debt to income ratio“Borrow less and earn more,” advises Reiss. If you have debt, work to pay it off, starting with your high-cost debt, such as credit card balances.”For anyone looking to improve their DTI when considering buying a house it’s very easy to do,” says Woltman. “Take a look at your credit profile and s ingle out credit cards or loan payments that have low balances but high monthly minimum payments. That not only signifies high-interest rates, but it’s a target for accounts you can pay to $0 and not incur a financial burden paying off.”“Be careful though,” he warns. “If you have a car lease that only has a few payments left, do not pay that off to lower your DTI because, unless you bought the car, the lender will assume you’re going to lease a new vehicle and still count that payment against you.”“Borrow less and earn more,” advises Reiss. If you have debt, work to pay it off, starting with your high-cost debt, such as credit card balances.”One thing that will really hurt your debt to income ratio is getting trapped in a cycle of debt from a predatory payday lender. To learn more about them, check out the eBook How to Protect Yourself from Payday Loans and Predatory Lendersâ€"or just give us a follow on Twitter at @OppLoans.  Contributors  Gerri Detweiler’s pa ssion is helping individuals cut through credit confusion. She’s written five books, including the free ebook  Debt Collection Answers: How to Use Debt Collection Laws to Protect Your Rights, and her latest, Finance Your Own Business. Her articles have been widely syndicated and she’s been interviewed in over 3000 news stories. She serves as Head of Market Education for Nav, the first and only site that shows small business owners their free business and personal credit scores and tools for building strong business credit.David Reiss  is a professor at  Brooklyn Law School  and director of academic programs at the  Center for Urban Business Entrepreneurship. He is the editor of  REFinBlog.com, which tracks developments in the changing world of residential real estate finance.Brian Woltman is the Branch Manager for Embrace Home Loans in Basking Ridge, NJ. Over the course of his 13-year career, he has helped countless families achieve their dreams of homeownership. He’s helped e veryone ranging from first-time home buyers to seasoned real estate investors. If you’re looking for a mortgage professional that will always look out for your best interests, give Brian Woltman a call today at (908)-295-4891, connect on Facebook or email him at BWoltman@EmbraceHomeLoans.com.

The And Its Effect On The Minority And Majority World

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Analysis Of The Movie Bummer - 1366 Words

Bummer in the Summer Being literate has been, let’s just say an uphill battle for me. I say â€Å"battle† in the most literal sense possible because I am dyslexic. Dyslexiais defined as a learning disability that impairs a person s fluency or comprehension accuracy in being able to read. With that being said, reading has not been easy for me and as a result is not my favorite thing to do. This is a major part of my relationship with literacy, and life in general. Having dyslexia has made me realize how much of a role language and literacy plays in everyday life. My parents are both caring and perceptive people, and thank goodness they were. I owe them a lot for all they do for me. They would sit and read to me all the time; some of my favorite books were The Giving Tree and Goodnight Moon. When I would read to them, they quickly realized that I was adding words in the stories, or changing around words in the sentences. In kindergarten,our school gave us all mandatory ey e exams and I did not pass. My parents were so relieved that they thought they had found the reason behind my lack of reading skills and that everything would be great after we got my eyes fixed. So I went and I got my brand new purple wire frame glasses and I was so excited to show them off to my classmates. I thought my glasses were going to make me read like everyone else, but they didn’t. Now I was feeling confused and embarrassed, not fully understanding why I had so much trouble reading compared to myShow MoreRelatedWilliam Golding s Lord Of The Flies1126 Words   |  5 PagesQuestion 2: In Lord of the Flies, there’s a scene where one of the main characters, Simon has a conversation after he has passed, out with Lord of the Flies. The pig’s head speaks to him in the book version by William Golding. In contrast, in the movie version, directed by Peter Brook, Simon simply stares at the pig head, and listens to the buzzing of the flies all over the pig’s head. If I were the director, I would have done this scene another way with the pig’s head. Rather than no dialogue inRead MoreThe Monster s Body Is A Culture Body Essay1234 Words   |  5 Pagesnuclear weapon. Modern development of science and new techniques allows them to reach certain success to discover new kinds of the nuclear weapon. According the movie, â€Å"The Terrifying True Scale of Nuclear Weapons. which published on Oct 7, 2016 is describe that nuclear weapons are all types of different sizes and there is the analysis of the impacts of various nuclear weapons. Also, there is tale about terrible Russian Tsar bomb which is presented as Hiroshima X 3,333 Megatons. This informationRead MoreData Analytics And An Organization2512 Words   |  11 Pagesand scrutinized. Unfortunately these first tasks still take a lengthy amount of time to complete. If organizations can improve the efficiency of how they prepare data sets, then they will be able to spend more time interpreting what prescriptive analysis suggests is the best course of action to take. New advancements in technology have created an entirely new angle for sports to be observed at. Analyzing data collected on the field allows coaches to study and enhance an individual players’ skills

Does Living in a Same Sex Home Effect How a Child Will Grow Up Free Essays

string(123) " these children suffer more teasing overall or if the teasing focuses on their parents’ sexual identity \(Bos et al\." Winters 1 Jynai Winters 16 November 2012 Psychology 100 Sabrina Does Same-Sex parenting affect a child? I choose this topic because I love children and I don’t like to see children hurting. I also choose it because I always wondered if it made a difference if a child grows up in a heterosexual home or living in homosexual home. Another reason why I choose to do this topic is because a lot of people believe that homosexual parents are not fit to rise their children if they come from a heterosexual relationship however, they do not have any proof that they are unfit for parenting their children and people do not like the fact that a child is growing up around homosexual activity and they also believe that if they grow up with a homosexual parent that they will not have choice about their sexuality. We will write a custom essay sample on Does Living in a Same Sex Home Effect How a Child Will Grow Up or any similar topic only for you Order Now The earliest known idea about developmental psychology was presented by Jean Jacques Rousseau around the late 18th century. Developmental psychology studies the human growth and development that occurs throughout the entire life span. Most people that studies this field focuses on one stage of development. There are seven stages of life that they could choose from; they are Infancy, Childhood, Adolescence, Early Adulthood, Middle Adulthood, Other Adults and Developmental Disabilities. To become a psychologist you must earn a Bachelors degree in psychology. However you must have a Master’s or doctoral before you start working as a psychologist. Most psychologists often work in schools and learning centers. They could also work in hospitals, mental facilities and nursing homes. They are even a few psychologists that work at colleges and for the government as teachers or to do perform research. Winters 2 A developmental psychologist salary depends on their training, geographic location and the work setting. Usually psychologist make between $69,007 and $90,326 a year. There are also those few that make more than $101,088 per year. As a psychologist some of their task will included evaluating children to determine if they have a developmental disability, investigating how language skills are acquired, studying how moral reasoning develops in children and finally exploring ways to help elderly individuals remain independent. Most developmentalists study and research contextual influences that impact change such as socioeconomic conditions, culture, and genetics. There are many other changes that developmentalists study which are family, parenting style, divorce, friends, religion physical and mental abuse and educational levels. My research will focus on the Boswell vs. Boswell case of 1998, the Bottoms vs. Bottoms case of 1995 and also the Huggins interview of 1989. I will also talk about the Wainright, Russell, and Patterson 2004 study, the King and Black study of 1994, the MacCallum Golombok of 2004, Vanfraussen study of 2002, the Fulcher of 2008, and finally the Patterson study of 1992 and 2000. The first study I will talk about is Huggins’s 1989 and O’Connell of 1993. The small body of research that has focused on adolescent offspring of families headed by same-sex couples includes Huggins’s (1989) study of 36 adolescents (13–19 years old, 18 with divorced heterosexual mothers and 18 with divorced lesbian mothers), which reported no differences in adolescent self-esteem as a function of mothers’ sexual orientation. In another early study, O’Connell (1993) studied 11 young men and women, 16–23 years old, were the offspring of divorced or separated lesbian mothers. Participants expressed strong love, loyalty, and protectiveness toward their mothers and a desire for others to understand the benefits of having a lesbian mother. Participants, however, also Winters 3 described concerns about losing friends, and some described attempts to control information about their mothers’ sexual orientation. These two studies were about how the child felt after their parents divorced. The Huggins’s study reported that the children that they had no difference in their self-esteem. While the O’Connell study reported that the children showed strong love, loyalty and protectiveness towards their mother’s. However, both studies showed that the children lost friends and some children even tried to hide their mother’s sexual orientation. Wainright, Russell, and Patterson (2004) reported a study of family and relationship variables on the one hand, and adolescent personal and social adjustment on the other. They studied adjustment in a sample of 44 teenagers (12–18 years old) with same-sex parents and a matched sample of 44 teenagers with opposite-sex parents. On a range of psychosocial outcomes including depressive symptoms, anxiety, and school adjustment, Wainright and her colleagues found no significant differences as a function of family type same-sex or opposite-sex parents. Among their findings they found that there were no significant effects for family type on adolescent reports of sexual behavior or romantic relationships. Wainright and her colleagues did, however, find significant associations between parental perception of parent–adolescent relationship quality and adolescent school adjustment. Similar findings were reported for delinquency, substance use, and victimization by Wainright and Patterson (2006). The Wainright, Russell, and Patterson study talks about family and relationship vs. adolescent personal and social adjustment. The results to the study was that there was no significant difference as a function as a family, there was also no significant effect for the family type with sexual behavior or romantic relationship. However, they did find that there was difference between parental perception and school adjustment. Winters 4 The few negative findings for children with two mothers were equivocal. Teachers in a Belgian study (Vanfraussen et al. , 2002) reported more attention and behavior problems for such children (about a half standard deviation difference), but this did not match teachers’ ratings of the children’s adjustment, and neither the children nor their mothers concurred. A second more plausible finding was that such children reported being teased about their families more, but this speaks to social disapproval of their parents’ sexual identity rather than their gender. Researchers consistently find that children with lesbian parents contend with homophobia among their peers, but disagree over whether these children suffer more teasing overall or if the teasing focuses on their parents’ sexual identity (Bos et al. You read "Does Living in a Same Sex Home Effect How a Child Will Grow Up" in category "Essay examples" , 2008; Tasker ; Golombok, 1997; Wainright ; Patterson, 2008). The only clear negative finding appeared in the first wave of the UK study of fatherless families described above (Golombok et al. , 1997). Six-year-old children in mother-only families (whether lesbian or heterosexual) described themselves as less competent physically and cognitively than their peers (0. 75 SD averaging the two), but the difference disappeared when the children were interviewed again 6 years later (MacCallum ; Golombok, 2004). Because this study did not control for the number of parents in mother-only families, it could not help us determine whether the absence of a male parent or just of a second parent contributed to the lower self-esteem the younger children expressed. The Vanfraussen study of 2002 was one of the two studies that show that the children will misbehave if they live with a homosexual parent. However, when asked by the teachers they said the child is a good child and does not misbehave, they asked their parent too and they give the same answer. So this study is not a really good study because their results did prove the opposite of what they stated. Should a parent’s sexual identity be considered relevant in deciding a child’s best Winters 5 interest, for purposes of child custody and visitation? Answers to this question have shown tremendous variability from one jurisdiction to another. In some states, such as Massachusetts and California, parental sexual orientation is considered irrelevant to custody and visitation disputes. In these states, a connection, or nexus, must be demonstrated between a parent’s sexual orientation, on the one hand, and a negative outcome for the child, on the other. Because a connection of this type can be difficult to establish, nexus rules have often resulted in judgments favorable to lesbian and gay parents. For instance, in Boswell v. Boswell (1998), a Maryland visitation case, the court refused to limit children’s visitation with their gay father in the presence of his same-sex partner because there was no evidence of harm to the children from such visitation. The Boswell vs. Boswell case of 1998 a father was limited to see his children because of his sexuality, so he took his wife to court and the judge agreed with him because there was no evidence that the child would be harm because of their father’s sexuality. In a custody case involving a lesbian mother ( Bottoms v. Bottoms, 1995), for example, the Virginia Supreme Court reiterated its earlier holding that a lesbian mother is not unfit as a matter of law but included the mother’s sexual orientation among factors considered to make her an undesirable parent. Thus, in some states, lesbian and gay parents must overcome formal or informal presumptions that their sexual identities make them less than ideal parents. With the case of Bottoms vs. Bottoms the judge agreed in the favor of the mother because her sexuality did not make her unfit parent, it just made her an undesirable parent. I know has nothing to do with a child but I just wanted to show how a parent is sometimes looked upon as an unfit parent just because of their sexuality. In connection with this bias, Patterson, who would later serve as sole author of the Winters 6 2005 APA Brief’s â€Å"Summary of Research Findings on Lesbian and Gay Families†, reported: Despite the diversity of gay and lesbian communities, both in the United States and abroad, samples of children and parents have been relatively homogeneous†¦. Samples for which demographic information was reported have been described as predominantly Caucasian, well-educated, and middle to upper class. In spite of the privileged and homogeneous nature of the non-representative samples employed in the studies at that time, Patterson’s (1992) conclusion was as follows: Despite shortcomings in the studies, however, results of existing research comparing children of gay or lesbian parents with those of heterosexual parents are extraordinarily clear, and they merit attention†¦ There is no evidence to suggest that psychosocial development among children of gay men or lesbians is compromised in any respect relative to that among offspring of heterosexual parents. Patterson’s conclusion in a 2000 review was essentially the same: Central results of existing research on lesbian and gay couples and families with children are exceptionally clear. The home environments provided by lesbian and gay parents are just as likely as those provided by heterosexual parents to enable psychosocial growth among family members. The Patterson study was about showing if homosexual parents make a difference with how the child is raised or affected. There results showed that there was no evidence that showed that the development among children of gay or lesbian is compromised compared to the offspring of heterosexual parents. Then they looked back at the study in 2000 and found that home environment is just as likely to have the same problem no matter if the parents are lesbian, gay or heterosexual. Associative stigmatization of children with lesbian mothers might be expected, based on the degree of stigmatization directed toward the parents. Although there seems to be a growing willingness among Americans to extend basic civil liberties to gay Winters 7 en and lesbians (Herek, 1991), stigma is still associated with same-gender sexual orientations (Herek, Kimmel, Amaro, Melton, 1991), and researchers agree that negative attitudes toward gay men and lesbians are widespread (Kite, 1994). This study talks about stigmatization against children whose parents are homosexual and also how Americans still have attitudes against homosexu al. It was also saying that people attitudes towards to homosexual affects the child because the child is thinking that their parent is not liked be anyone because who they are. Other researchers have noted that children brought up in a two-adult home, regardless of the gender of the adults, are in better emotional health than those raised by single parents, and that lesbian mothers who live with a partner are at a psychological advantage over single lesbian mothers. In addition to these indications that custody contingent on the absence of a live-in partner for the mother is not in the child’s best interests, there is no evidence in the current study that potential stigmatization is increased by the presence of a female partner. Some researchers have shown that children that are brought up in two-adult homes are better in emotional health than those raised by single parents. It also showed that lesbian mothers that live with a partner are at a advantage over a single lesbian mother because there is no evidence that shows that the potential of stigmatization will increased by the presence of a female partner. Children may indeed be stigmatized or embarrassed at times because of characteristics of their parents — not just children of lesbians, but children of a variety of non-traditional parents. That a parent is of a racial, political, or religious minority, is poor, has a physical impairment, or is otherwise different is not usually considered sufficient reason for denying that parent custody of a child (Falk, 1989). The same stigmatization argument that was used by courts 20 years ago to deny custody to women who married interracially after a divorce is now being used to deny custody to lesbian mothers. Winters 8 However in this study did show that children will be stigmatized and embarrassed because of their parents characteristic, but not just children f lesbians any child can be embarrassed or stigmatized by someone. Another thing is that with the custody of a child a mother or father could not be denied custody just because of their sexuality. The Falk study founded that perceptual stigmatization of children of divorced lesbians does occur; it was not designed to address the magnitude of that stigmatization. In related work on relational stigmatization, Falk have found that a majority of college students are willing to interact in relationships with children of lesbians, although willingness decreases as intimacy of relationship increases. As Falk has pointed out, legal decision-makers may be overemphasizing the severity of stigmatization toward children in the custody of lesbian mothers. Two types of studies would be informative in addressing this concern. One would seek to identify the number of participants in any given sample who are likely to stigmatize children of lesbians and would explore characteristics of these individuals that may be correlated with a tendency to engage in stigmatization. Another would compare attitudes toward children of lesbian mothers with actual interaction with these children. Future research on this topic should also utilize samples that are more demographically diverse, particularly In terms of age and education. Community samples, for example, may differ from college samples in their likelihood to stigmatize lesbians and their children. Even though a few of the studies of stereotyping and attitudes toward homosexuals that used both college and community samples found little difference between groups, this finding may or may not extend to children of lesbians. Based on the published science, one could argue that two women parent better on average than a woman and a man, or at least than a woman and man with a traditional division of family labor. Lesbian co parents seem to outperform comparable married heterosexual, biological parents on several measures, even while being denied the substantial privileges of marriage. This seems to be attributable partly to selection effects and partly to women on average exceeding men in parenting investment and skills. Family structure modifies these differences in parenting. Married heterosexual fathers typically score lowest on parental involvement and skills, but as with Dustin Hoffman’s character in the 1979 film Kramer v. Kramer, they improve notably when faced with single or primary parenthood. Winters 9 The science world has shown that two women can out parent a married heterosexual couples on several different measures, even though being denied the privilege of getting married. In a heterosexual relationship the father usually scores the lowest in parental involvement and skills however, in a homosexual relationship both parents pass parental involvement and skill part. One thing they did notice was that the father usually increased his score when he is faced with single or primary parenthood. In conclusion, from my research it has shown that a child can live in a same sex home and not be affected by his or her parent’s sexuality. The only thing they will have to deal with is being teased however; ever child is teased at some point in their life. The only thing that is being learned is that you cannot judge a parent because of their sexuality. I would also say that you cannot judge a child because of their parent’s sexuality. A child really does not really understand what the difference is between homosexual and heterosexual relationship. The child only knows that they have two parents that love them, so why would you try to change their vision of their family, if the child is happy let them be because they are innocent. Finally future research should focus on how the parent is affected. They could also survey the children when they get older and see how they felt growing up in a same sex home. Another thing they could do is see how they raise their children and how they grow up helped them choose on how they raise them. These are just some things they could do in the future if they ever research this topic again. Winters 10 Works Cited Biblarz, Timothy J. â€Å"How Does Gender of Parents Matter. † ProQuest. Pro Quest, Feb. 2010. Web. 11 Nov. 2012. Cherry, Kendra. â€Å"What Is a Developmental Psychologist. † Psychology. About. com, n. d. Web. 16 Nov. 2012. â€Å"Developmental Psychology Careers. † CareersInPsychology. org. CareersInPsychology. org,64ed n. d. Web. 16 Nov. 2012. â€Å"Developmental Psychology. † The Psychology Career Center. AllPsychologyCareers. com, n. d. Web. 16 Nov. 2012. King, Beverly R. College Students’s Perceptual Stigmatization of the Children of Lesbian Mothers. † ProQuest. Pro Quest, Apr. 1999. Web. 14 Nov. 2012. Loren, Marks. â€Å"Same Sex Parenting and Children’s Outcomes: A Closer Examination of the American Psychological Association’s Brief on Lesbian and Gay Parenting. † ScienceDirect. com. ScienceDirect. c om, July 2012. Web. 14 Nov. 2012. Patterson, Charlotte J. â€Å"Children of Lesbian and Gay Parents. † ProQuest. Pro Quest, Nov. 2009. Web. 14 Nov. 2012. Wainright, Jennifer L. â€Å"Peer Relations among Adolescents with Female Same-sex Parents. † ProQuest. ProQuest, Jan. 2008. Web. 14 Nov. 2012. How to cite Does Living in a Same Sex Home Effect How a Child Will Grow Up, Essay examples

Seafloor Magnetic Anomalies an Example of the Topic Education and science by

Seafloor Magnetic Anomalies Seafloor magnetic anomalies are stripes of alternating high and low magnetic intensity running parallel to ocean ridges (Sea-Floor Spreading). These linear anomalies end at fracture zones and have distinctive shapes that occur in predictable patterns across fracture zones as trends. Two scientists from Great Britain, Frederick J. Vine and Drummond H. Matthews, and one Canadian scientist by the name of Lawrence W. Morley were the first to propose an explanation for these anomalies. Need essay sample on "Seafloor Magnetic Anomalies" topic? We will write a custom essay sample specifically for you Proceed Their theory rests on the assumptions that the magnetic field of the earth reverses polarity on a periodic basis, that seafloor spreading is a fact, and that the crust of the ocean experiences permanent magnetization as it is formed and as it cools at the centers of seafloor spreading. Hence, the crust of the ocean must include records of reversals of the magnetic field as it forms during spreading (Ocean, 2009). There are two kinds of seafloor magnetic anomalies: the stripes of high intensity or positive seafloor magnetic anomalies and the stripes of low intensity or negative magnetic anomalies (Sea-Floor Spreading; Ocean). (See Appendix). Positive magnetic anomalies are produced when the oceanic crust experiences magnetization in a normal polarity parallel to the ambient field of the Earth (Ocean). Low intensity or negative magnetic anomalies are the result of the crust being reversely magnetized in an opposite sense (Ocean). As the crust that has been magnetized moves down the sides of the ridge and away from the center of seafloor spreading, it remains magnetized and permanently so while carrying the stripes along (Ocean). Because the patterns of reversal are maintained in seafloor magnetic anomalies, scientists have gathered that these stripes are in principle correlatable back to the age of the oldest sea floor (McElhinny & McFadden, 1999, p. 149). So, if the age of magnetic field reversals is known, it is theoretically possible to calculate the approximate age of the oceanic crust once the corresponding stripes have been mapped. In fact, scientists have already put together schedules of magnetic field reversals for the past four to five million years. They have done this by studying the approximate age in addition to magnetic polarities of flows of lava. The rate of ocean floor spreading has also been measured. In the case of the Juan de Fuca Ridge in the United States, the first oceanic floor spreading is said to have occurred at 30 mm per year (Ocean). Vine and J. Tuzo Wilson, a Canadian geologist, calculated this rate by piding the distance of an anomaly from the ridge crest by the age of the anomaly twice (Ocean). This formula was used to calculate the current rate of seafloor spreading to boot. It has been found that the Juan de Fuca Ridge moves at approximately 15 mm per year from the crest of the ridge at present, and at around 60 mm per year from the segment of the crust that is on the side opposite to the crest (Ocean). Thus, seafloor magnetic anomalies appear as extraordinary phenomenon to use in further exploration of the ocean. Scientists believe that lava layers in the upper crust are the most important contributors to these stripes. But, seafloor magnetic anomalies may also originate in the gabbros, in particular their upper layers (Ocean). Further research on seafloor magnetic anomalies may shed greater light, therefore, not only on the age of oceans but also the rocks and minerals that make up the oceanic crust. References McElhinny, M. W., & McFadden, P. L. (1999). Paleomagnetism: Continents and Oceans. 2nd Ed. St. Louis, MO: Academic Press. Ocean. (2009). Encyclopedia Britannica. Retrieved Mar 11, 2009, from http://www.britannica.com/EBchecked/topic/424285/ocean/67133/Investigations-of-the-oceanic-crust#ref=ref540716 Seafloor magnetic stripes: look again. (2008). Retrieved Mar 11, 2009, from http://www.newgeology.us/presentation25.html Sea-Floor Spreading. (2008, Sep 11). Retrieved Mar 11, 2009, from http://www.geo.umass.edu/courses/geo105/Lecture-4.pdf.

How to Organize An Effective Email Marketing Strategy (Template)

How to Organize An Effective Email Marketing Strategy (Template) Managing email marketing successfully isnt easy especially when you have multiple email initiatives going at once. The value of email marketing is undeniable, so its not surprising that many departments within your organization want to leverage the platform. This results in lots of moving pieces to consider and many stakeholders to please. It also increases the chances of accidentally sending multiple emails to the same person in one day. (Speaking from personal experience the fallout of this isnt pretty.) Here are just a few pieces of the puzzle you have to consider Managing your ever-growing subscriber list. Overseeing the design and copy of every email. Scheduling delivery times. A/B testing. Analyzing results. Thats just scratching the surface. One thing is clear, if youre going to be successful at email marketing, you need a well-planned marketing strategy in place. One that clearly establishes goals, and lays out the roadmap to achieve them. Something that can guide your team toward success. And thats exactly what youll get from this post. Heres how to plan your entire #email #marketing strategy via @Download Your Email Marketing Strategy Template Before you continue reading, download your email marketing strategy template. This easy to use PowerPoint will help you document your plan and give the rest of your email team something to refer back to when they have questions. If you're new to , it's the only marketing suite to manage every facet of your marketing. It even integrates with popular email marketing services giving you the ultimate visibility into your email strategy, so you'll never send multiple emails to the same person in one day again. With Email Marketing from , you can: Seamlessly integrate with your favorite email marketing platform. Email platforms are powerful, and you've grown to know and love yours, so why give it up? integrates with many preferred platforms so your email marketing is no longer disjointed from the rest of your marketing initiatives. Write click-worthy email subject lines...every time. ’s awesome Email Subject Line Tester is built right in so you can optimize and perfect every subject line to drive more  opens, more  clicks, and more conversions. Get full visibility into your ENTIRE  marketing strategy. Disjointed marketing content (and constantly jumping from screen to screen) is the worst. With Email Marketing from , all your email campaigns live on your single marketing calendar, giving you ultimate visibility into your marketing strategy and individual initiatives. Create Your Own Email Marketing Strategy in 11 Steps Creating an email marketing strategy doesn’t have to be complicated. The following eleven steps will help you plan your work and work your plan in no time. Table of Contents: Choose Your Email Marketing Tools Identify Your Target Audience Choose List-Building Tactics Create Your Email List Segments Create Email Sending Schedule Define Your Email Marketing Goals Decide Which Types of Emails to Send Formatting Your Email Content How To Optimize Your Emails What A/B Tests Will You Run Reporting Step One: Choose Your Tools Finding the right tools is the first step in your strategy. A lot of these platforms are super powerful and can help you organize and send your emails at the drop of a hat. Email Marketing Tools Some common email marketing tools that you might consider using are: MailChimp Campaign Monitor Constant Contact ActiveCampaign This is a shortlist in a sea of other email tools you could use. Find the tool that fits your team based on what you want to accomplish with your email marketing. Recommended Reading The Best Free Email Marketing Software Tools You Should Use Marketing Automation Tools You might not want to stop at a simple email marketing tool. You may also consider adding a marketing automation tool to your list. Marketing automation makes it easy for you to follow up with customers and send the right email at the right time to subscribers based on how they are interacting with your website. Some email marketing platforms have basic marketing automation features built-in like the option to send birthday email messages automatically, etc. It's worth taking some time to figure out the depths of marketing automation you need and your bandwidth for maintaining automation initiatives. These activities can take a big chunk of time to manage. Potential automation tools to add to your list are: Autopilot:  Autopilot makes it easy to plan out journeys and triggers that send your subscribers emails based on how they interact with your website. Userfox:  Userfox is a small email-focused automation tool that sends emails to subscribers based on events that you put into the system. Userfox was bought by the Adroll Group in 2014. HubSpot:  Hubspot doesn’t have as much email automation functionality as the other two on this list, but it is suited for companies who want to control multiple aspects from one tool. Marketo:  Is a powerful marketing automation tool that is most suitable for enterprise-level marketers. Pardot:  Is a full solution that helps marketers create meaningful connections, generate more pipeline, and empower sales to close more deals. The marketing automation option fits will if you use Salesforce as your CRM. Once you have your tools, add them to the first slide in your email marketing strategy template: Action Items: Research email marketing tools. Compare which ones will work best for your marketing team. Add them to your strategy template.Step Two: Identify Your Target Audience Once you have your tools selected you to need to focus on building your email subscriber list. The first step to build your email list is to identify your target audience. As a refresher: Your target audience is the ideal customer you want to attract to your product or service through your marketing efforts. So how can you find your target audience? First, answer the following questions: Who are our current best customers? What qualities do they have in common? What problem are they experiencing that has our customers search for a solution like our product or service? Why did they purchase our product or service? What did we provide for our customers that our competition didn’t? Is your email marketing strategy focused on your target audience?Using those answers format, your target audience statement with the following template: {Insert your company} creates content to attract {insert target audience} so they can {insert desired outcome} better. Record your target audience demographics and statement in your template. Recommended Reading: How To Find Your Target Audience With A Marketing Persona Step Three: Create Tactics To Use To Get Your Audience To Opt-In To Your Email List Now that you know who your target audience is you can begin to brainstorm tactics that will attract them and convince them to sign up and join your email list. Here are just a few ideas to get you started. Give Them Something Valuable In Return One of the most common ways to get your audience to join your email subscriber list is to gate content upgrades behind an opt-in form. What is valuable to your customers? A downloadable template or ebook that shows them how to solve a problem or answer a question they might be having. If you gate something that doesn’t provide something of value you might end up losing that subscriber. Recommended Reading: Conquer Your Inbound Marketing Strategy with this Process (+ 4 Templates) Go For The Direct Ask Another way to gain subscribers is to go for the direct ask. Explain to them why they should opt into your email list and entice them with personalized information like this pop up from Fargo 3D Printing. Gathering information like this will also help you segment your list. (More on that in a bit): Here's another pop-up example from Nanit encouraging visitors to signup for their newsletter. The company asks for the ages of the visitor's children, which would indicate the company does some segmenting based on developmental stages of the child's age. Use the Header And Footer of Your Website Another place you can put an email opt-in button is on your website’s header and footer. Why not meet your audience halfway and make it easy to remind them that they can get more information about your products by joining your email list? Take a look at this example from Ulta: Here's another example from Michael Hyatt: And another from British Clothing Company, Boohoo. How To Segment Your Email List We mentioned earlier in this section that you can segment your email list. What does that mean and how can that help you? Here's a quick and dirty email segmentation definition: The process of grouping like individuals on an email list based on their behavior or characteristics to send specifically targeted emails that address that particular group of users needs or problems. You can just blast out your emails to everyone on your list and hope that it resonates with someone and convince them to convert. However, in today’s day in age, we can use data and information to go further and serve content to the right people at the right time to help guide them through your marketing funnel. In fact, segmenting your list can have a positive effect on your email list. MailChimp conducted an internal study  and found that segmented campaigns had: 14.31% higher open rates. 100.95% more clicks. 9.37% lower unsubscribe rates than their non-segmented campaigns. You can segment your list  based on a variety of things, including: Company size. Location. Activity on your website. How long they’ve been on your email list. In order to accurately segment your list, you need to gather this data about your customers when they first sign up. So add options for subscribers to choose from before they complete their sign up. List potential ways your team will try and grow your email list in your template as well as your email list segments. Action Items: Brainstorm email list growth strategies. Record strategies in your template. Update strategies every three months based on what’s working well and what isn’t. List out what criteria you will segment your list by. Step Four: Choose the Types of Emails to Send There are many different types of email that you can send to your list. You can choose one or change it up based on the various segments you have in your list. Here are three different types of emails to get started with. Newsletters Newsletters are a popular email format. They come to your subscriber’s inbox at the same time at recurring intervals. They allow you to show them a variety of content and information your subscribers might have missed if they haven’t visited your website lately. According to Hubspot,  successful email newsletters contain 90% educational content and 10% product or promotional content. The same post from Hubspot says newsletters should contain a single theme or idea. That way you can prevent yourself from randomly throwing content into your newsletter just to get it out there. You might even send out different newsletters on different topics based on who you’re sending each newsletter to on your list. So what does an excellent newsletter look like? Take this example from The Skimm: Photo from Hubspot The Skimm newsletter  is specific in the fact that it rounds up the latest news from the day before and quickly summarizes it for readers. It provides the benefit of not having to read long news stories and allows subscribers to quickly catch up on the news from the day before.

How to Avoid Scams and Choose Safe Online GED Classes

How to Avoid Scams and Choose Safe Online GED Classes The old adage that you get what you pay for doesn’t necessarily apply to online GED certificates and online high school equivalency diplomas. There are scads of websites out there just waiting to take hundreds or even thousands of your dollars for a piece of paper with a foil star on it that no college or university is going to recognize. You will have paid your hard-earned dollars for something that’s good only for hanging on your wall or throwing in a drawer. GED Online GED is a test you can take to earn a high school equivalency diploma if you didnt take four years of high school classes. There are plenty of GED-related websites out there, but how do you know which online GED websites are trustworthy? Its actually pretty simple. Just follow these guidelines: Check out your library and state education department website to find recommended online GED prep sites. There are  real GED sites with free courses  and  practice tests  that are absolutely worth your while.  Be aware that while you may legitimately choose to pay a little extra for personal online support but you should never have to pay a prep site more than $25 a month at the absolute most.Be aware that the cost of taking the actual GED test is never more than about $150.Know that no legitimate site will offer a chance to take the actual  GED test online. Yes, there are computer-based sections of the test, but the test is ONLY offered at in-person testing sites. High School Diplomas Online There are a great many legitimate high school courses and accredited online high schools. Some of them are available to state residents free of charge, and you can learn about your local options through your states education departments website. You can also pay some accredited online schools and earn your high school diploma.There are some interested virtual schools out there that use gamified teaching tools, and some are both fun and legitimate. Its worth taking a look at whats available, but be absolutely sure your school of choice is accredited. It is important to know that websites like Kahn Academy offer terrific academic resources but do not necessarily offer actual diplomas. This means that while you might use their sites to help you learn, you will probably need to go elsewhere to earn your actually high school degree. GetEducated.com There is a website designed to help you determine which online learning sites are legitimate. GetEducated.com was founded in 1989 by Vicky Phillips, a psychologist, and educator. Her site includes a Diploma Mill Police page that allows you to check on any online institution you’re thinking about attending. Phillips also has a school finder and a page on financial help. Phillips says, â€Å"Don’t get ripped off. Get educated!† The Most Important Guideline to Remember Its important to realize that while you can study online for your GED/HSE, and take practice tests online, you cannot take the test online. Dont be scammed here. In 2014, the test was updated to computer-based, but this should not be confused with online. You still need to go to a certified testing center and take your test there, on a computer.