Personal Finance, Investing and Insurance free essay sample

An informative essay about financial responsibility and becoming financially active. A personal essay about saving and financial responsibility. The author provides a framework of how to become financially active and responsible, how to save and invest and how to secure ones future. Financial security is something that all people want to obtain in their lives. There are many aspects that go into being financially secure. Many people in todays society wait until later in life to start planning for their future. My goal is to have financial security throughout my life by investing and saving at an early age. I feel that one of the worst things that you could do financially, is to get into debt at an early age. When a person is right out of college, they should not spend more money than they need to and they should pay off their college debts as soon as possible. We will write a custom essay sample on Personal Finance, Investing and Insurance or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page In my opinion, it is very important for an individual to make sure that their future is financially secure.

Integrating a Drinking and Drug History into a Psychosocial Assessment essays

Integrating a Drinking and Drug History into a Psychosocial Assessment essays Health and Education Services (HES), Inc., is an agency located in Haverhill, MA. This specific agency provides a wide range of community based mental health and substance abuse assistance. As a student intern from Boston University, the therapist's primary intern responsibilities include the provision of individual and family therapy sessions. The intern has over 10 years of experience doing a wide range of social service work in the community. The client was assigned for psychosocial assessment and to provide ongoing individual therapy sessions. The initial interview was conducted in a small, private office with no windows at the community mental health center at HES. The client is a Hispanic male and the initial questionnaire regarding alcohol/drug issues indicated that he had problems with both cocaine and alcohol. The main presenting problem for the client appears to be the alcohol issues, which have cost him his job and are in danger of costing him his family as well. His wife and children will be leaving the home if the man does not get some help for his problem. However, he did not come to the agency at the request of his wife, but at the request of the court after another DUI charge and a domestic violence call from his wife, all made on the same Friday night. While this man is still young at 29, he has reached the age where his problems should have been addressed already. Since they have not, it may be more difficult to right the wrongs that are taking place, but this does not mean that it will be impossible. The questions regarding drinking and drugs that were asked of this individual were asked in the context of a court-requested evaluation of the behavior of this man in order to determine what the best mode of treatment would be to address all of the problems. Treatment strategies that are psychosocial in nature, such as cognitive behavioral, behavioral, motivational interviewing, and family therapy techn...

Qué migrantes deben comprar seguro por Obamacare

Quà © migrantes deben comprar seguro por Obamacare Actualmente, si su empleador no le brinda seguro mà ©dico ni tampoco est protegido por programas como Medicaid o Medicare puede que està © obligado a comprarse un seguro mà ©dico en cumplimiento de la ley que se conoce como Obamacare y, si no lo hace, deber pagar una multa. Obamacare, que tambià ©n se conoce como ACA, por sus siglas en inglà ©s o incluso como PPACA, tiene normas complejas. Y este artà ­culo aspira a explicar claramente quià ©n est obligado a tener seguro mà ©dico con especial mencià ³n a las diversas situaciones migratorias e, incluso, tipos de visa. Tambià ©n cules son las excepciones a esta obligacià ³n, cul es el monto de la multa si no se cumple con la ley y quià ©nes pueden comprar seguro a travà ©s del mercado que que se conoce como Marketplace y, es su caso, obtener subsidios para el pago. En este artà ­culo se explica quià ©nes NO estn obligados a comprar un seguro mà ©dico. Y como todos los dems no incluidos, sà ­ estn obligados a adquirirlo, tambià ©n se explica quià ©n puede tener ayuda econà ³mica para comprarlo y cul es la multa por no tener seguro. Quià ©nes no estn obligados a tener seguro mà ©dico   La forma ms sencilla de saber si se est obligado a tener seguro mà ©dico en Estados Unidos es determinar que no se est en uno de los grupos que pemiten no tenerlo. Y no estn requeridos por ley los siguientes: Ciudadanos y residentes permanentes legales en una de las siguientes situaciones especiales No estn obligadas aquellas personas con ingresos tan bajos que no tienen que llenar las planillas de impuestos (tax returns)Tampoco aquellas que no pueden pagarlo porque el costo del premium del seguro ms barato supera en un ocho por ciento los ingresos del hogar.Tampoco se tiene obligacià ³n si el tiempo sin seguro no excede de tres meses en el conjunto de un aà ±o.  Ni los ciudadanos que residen habitualmente en el extranjero o pasan al menos 330 dà ­as de un total de 12 meses en otro paà ­s. Estos ciudadanos pueden comprar seguros privados de corta duracià ³n cuando se encuentran en Estados Unidos si asà ­ lo desean.Tampoco estn obligados las personas que se encuentran en prisià ³n ni aquellas a las que su religià ³n se lo prohibe.Asimismo,   tampoco aplica a los nativos americanos que pueden obtener cobertura mà ©dica a travà ©s Servicio Mà ©dico Indio o los religiosos cubiertos por Health Care Sharing Ministry.Tampoco estn obligadas las personas con pocos ingresos que podrà ­an ser elegibles para Medicaid segà ºn las reglas establecidas por Obamacare, pero que viven en un estado que ha elegido no extender este beneficio. Por à ºltimo, ciertas situaciones transitorias de dureza pueden servir para calificar para no tener que comprar un seguro mà ©dico, como por ejemplo: declaracià ³n de bancarrota, haber sufrido un desastre natural como huracn o tornado, ser và ­ctima de violencia domà ©stica, estar en una situacià ³n de desamparo y no tener vivienda o, incluso, la muerte de un miembro de la familia.   Todos los ciudadanos y residentes que no estn en ninguna de esas categorà ­as citadas anteriormente deben estar cubiertos por un seguro mà ©dico. Situacià ³n de migrantes indocumentados y Obamacare Segà ºn la ley, las personas sin estatus legal en los Estados Unidos -los migrantes indocumentados- no estn obligadas a comprar un seguro mà ©dico. Ni tampoco tienen que pagar una multa por no tenerlo. Es decir, no les aplica la ley para nada, ni para lo bueno ni para lo malo.    A la hora de aplicar para comprar seguro a travà ©s de Obamacare se verifica el estatus legal del solicitante, siendo necesarios al menos 2 I.D. para acreditar ciudadanà ­a de Estados Unidos o residencia permanente legal. El sistema SAVE es una base de datos federal contra la que se verifican todos los I.D. que se presenten. Especial mencià ³n hay que hacer a los muchachos que aplicaron por la medida que se conoce como Accià ³n Diferida (DACA) y obtuvieron la aprobacià ³n. Se les considera que no estn legalmente presentes en los Estados Unidos y, como consecuencia, no estn obligados a comprar un seguro mà ©dico. Tampoco pueden beneficiarse de ninguna ayuda si deciden comprarlo. Es importante resaltar que todos los indocumentados -con DACA o sin ella- pueden comprar su propio seguro mà ©dico privadamente. Tambià ©n tienen las puertas abiertas en algunas instituciones que atienden sin fin de lucro y en los Centros de Salud Comunitarios y en los Centros de Salud Federalmente Calificados. Tambià ©n hay programas limitados como WIC, para embarazadas, lactantes, bebà ©s e infantes. Adems, algunos estados como California o Nueva York, permiten que tengan acceso a travà ©s de sus sistemas estatales a protecciones limitadas  en asuntos de salud o incluso a travà ©s de programas que aplican en condados concretos. Adems, California est viendo cà ³mo los indocumentados podrà ­an llegar   a beneficiarse de Obamacare, pero por ahora no pueden. Los indocumentados y los muchachos con DACA deben tener mucho cuidado con fiscalistas inescrupulosos que aseguran que tienen que pagar una multa por no tener seguro mà ©dico y se quedan con ese dinero. Porque, como ya se dijo ms arriba, ni tienen obligacià ³n de comprar seguro ni tienen que pagar si no lo tienen. Turistas en Estados Unidos y Obamacare Los extranjeros que se encuentran en los Estados Unidos por turismo no estn obligados a tener seguro mà ©dico. Sin embargo, es altamente recomendable que adquieran uno antes de viajar por las cifras astronà ³micas que puede alcanzar una simple consulta mà ©dica o una hospitalizacià ³n para un procedimiento sencillo debido a una urgencia. Adems, llamar la atencià ³n sobre las posibles consecuencias negativas de tener un bebà © en Estados Unidos con estatus de turista si no se paga completamente la factura de la hospitalizacià ³n. Por à ºltimo, las personas extranjeras residentes en otros paà ­ses que desean recibir tratamiento sanitario en Estados Unidos deben pagar por el mismo o mostrar un seguro mà ©dico que cubra por los gastos. Recordar que el riesgo de convertirse en una carga pà ºblica es una de las muchas causas de negacià ³n y/o cancelacià ³n de la visa americana. Visas de estudiantes y de intercambio y seguro mà ©dico Para los efectos de Obamacare, los estudiantes y participantes en programas de intercambio no son consideradas residentes legales temporales. Lo siguiente afecta a los extranjeros presentes en Estados Unidos con visas F, M, J, Q y sus dependientes.   Los estudiantes (F, M, Q) estn exentos de tener seguro mà ©dico durante los primeros cinco aà ±os de su estadà ­a en Estados Unidos. A partir de esa fecha debern iniciar trmites para que los consideren no residentes y probar fuertes lazos con su paà ­s para evitar tener la obligacià ³n de comprar seguro mà ©dico. Los titulares de visas J de intercambio, tienen una exencià ³n durante los dos primeros aà ±os de su estancia.   Obviamente, el sentido comà ºn indica que lo prudente es tener un seguro mà ©dico. Se puede comprar privadamente y, adems en el caso de los estudiantes, en muchas ocasiones se puede adquirir a travà ©s de las propias universidades. En total se estima que un total de 24 millones de personas que residen habitualmente en los Estados Unidos no tienen la obligacià ³n de tener seguro mà ©dico. Casos especiales En primer lugar, las personas menores de 26 aà ±os pueden estar incluidas en el seguro mà ©dico de cualquiera de sus padres. En segundo lugar a las personas con visas H-1 para profesionales y modelos  y L-1 de transfer entre empresas  se  les considera a estos efectos como residentes temporales y deben tener cobertura mà ©dica. Si trabajan en un lugar con ms de 50 empleados lo obtendrn por ley a travà ©s de la empresa pero si es ms pequeà ±a depender de la polà ­tica de la empresa. Si à ©sta no lo da, pueden obtenerlo a travà ©s del marketplace o comprar uno directamente con una aseguradora para sà ­ y sus dependientes (H-4).  ¿Cà ³mo se hace para obtener un seguro mà ©dico en Estados Unidos? Si no se est en ninguna de las categorà ­as mencionadas anteriormente y que dan derecho a estar exentos de la obligacià ³n de tener un seguro mà ©dico entonces hay que conseguir uno. Lo cierto es que en Estados Unidos la gran mayorà ­a de personas con esta obligacià ³n - tres de cada cinco- lo obtienen a travà ©s de las empresas para las que trabajan.  Y otro 12 por ciento resuelve la situacià ³n a travà ©s de programas pà ºblicos como Medicaid, Medicare, CHIP, el Sistema de Veteranos, u otros como COBRA (desempleados que cumplen ciertos requisitos) o TRICARE (militares). Para el resto caben dos alternativas para cumplir con la ley. Primero, contratar un seguro privado por su cuenta o, segundo, acudir a lo que se conoce como el Health Insurance Marketplace.  ¿Quà © es el Marketplace para la compra de seguro mà ©dico? El Marketplace un mercado en internet donde se da la opcià ³n de comparar y comprar el seguro mà ©dico que ms se ajuste a las necesidades del comprador. Tambià ©n se conoce en inglà ©s con el nombre de exchanges. Los seguros varà ­an enormemente segà ºn lo que se paga, las coberturas que se acuerdan, la aseguradora, el estado en el que se reside, si se elige un PPO o un HMO, etc.  ¿Quià ©nes pueden comprar seguro mà ©dico en el marketplace? Todas las personas en una de las siguientes categorà ­as que no tienen seguro mà ©dico porque no se lo da la empresa, ni estn cubiertos por asistencias pà ºblicas como Medicare, CHIP o Medicaid ni han contratado uno directamente con una aseguradora. El seguro en el marketplace se puede comprar para sà ­ mismo y para las personas dependientes, como por ejemplo los hijos menores de 26 aà ±os. Ciudadanos o nacionales de los Estados Unidos. No importa el caminio por el cul se adquirià ³ la ciudadanà ­a.Todos los   extranjeros presentes en Estados Unidos que califiquen, esto es:   Residentes permanentes legales.Extranjeros en el proceso de ajuste de estatusAsilados y refugiados. Los primeros sà ³lo si ya tienen aprobado el permiso de trabajo (EAD) o son menores de 14 aà ±os y llevan de espera en su aplicacià ³n ms de 180 dà ­as.Cubanos y haitianos que ingresaron al paà ­s por reglas especà ­ficas que aplican sà ³lo a ellos. Y cualquier persona a la que se le haya concedido un parole en una frontera (puerto, aeropuerto o paso terrestre).Las personas a las que se le concedià ³ con anterioridad a 1980 un ingreso condicional.Las personas buscando legalizacià ³n en base a maltrato y sus cà ³nyuges, hijos, padres o madres.Las và ­ctimas de trfico humano, sus cà ³nyuges, hijos solteros menores de 21 aà ±os, padres, madres y hermanos.Los migrantes que gozan de un TPS.Los extranjeros con visas temporeras de trabajo, como por ejemplo las H-1B, las H-2A y las H-2B y otros comprendidos dentro de la clasificacià ³n de residentes legales temporales, como por e jemplo, los periodistas con visa I, los religiosos con una R, los prometidos (novios) de ciudadanos americanos con una K-1, los inversores (EB-5, E-2), oficiales de gobiernos extranjeros, los estudiantes, trabajadores de la OTAN, personas con visas de intercambio J-1 o trabajadores en situacià ³n de transfer dentro de sus empresas (L-1). Por regla general, tambià ©n se incluye a sus cà ³nyuges e hijos solteros menores de 21 aà ±os.   Los extranjeros a los que se les ha concedido una suspensià ³n de la deportacià ³n (withholding of deportation/removal) o una suspensià ³n administrativa de la expulsià ³n (staying removal)Los muchachos a los que se les ha concedido el Estatus de Inmigrante Especial Juvenil.Las personas favorecidas por una orden presidencial que pospone su salida obligatoria de los Estados Unidos, lo que se conoce como DED o Deferred Enforced Departure y que en la actualidad sà ³lo aplica a ciudadanos de Liberia.Los residentes de la Samoa AmericanaLos ciudadanos de Micronesia, las islas Marshall o PalauLos miembros de una tribu nativa reconocida federalmente  Los nativos americanos (first nations) nacidos en Canad y que viven en los Estados Unidos. En el caso de familias mixtas con miembros legales y otros indocumentados, se puede aplicar para las personas que tienen estatus. No se preguntar por las circunstancias migratorias del resto. Y, si califican, los miembros legales pueden beneficiarse de subsidios.  ¿Quià ©n tiene derecho a descuentos de seguro mà ©dico a travà ©s del Marketplace? Muchas de las personas autorizadas a comprar seguro mà ©dico a travà ©s de este sistema podrà ­an tener derecho a dos clases de subsidios: Fiscales (tax subsidies), para los que ingresan menos del 400 por ciento de lo que est establecido como là ­nea de la pobreza. Esto viene a ser aproximadamente $46,000 para las personas que viven ellas solas y ms para las familias.De pago (cost-sharing), para ayudar a pagar por copagos, deducibles, primas, etc y que beneficia a las personas que ingresan en un aà ±o menos del 250 por ciento de lo que est establecido como umbral o linea de la pobreza.  ¿Cundo se puede comprar en el Marketplace? Las pequeà ±as empresas tienen el marketplace abierto sin là ­mite de fechas para incorporar a trabajadores. Adems, si se ha cambiado recientemente de estatus migratorio se podrà ­a calificar para un tiempo especial para enrolarse.  ¿Cul es el castigo por no tener seguro mà ©dico cuando se tiene obligacià ³n de tenerlo? En el 2017  el importe a pagar en concepto de multa ser la cantidad ms grande de entre estas dos: $695 dà ³lares por persona, cantidad que se ajustar segà ºn la inflacià ³n,  con un tope mximo de tres por familia, si bien el importe a pagar por un nià ±o menor de 18 aà ±os es de $347.50.el 2.5 de los ingresos de la renta imponible.  ¿Cà ³mo cobra el gobierno esa multa? Automticamente en cuando se hace el clculo de lo que toca a pagar (o a regresar) al llenar las planillas de los impuestos federales. Para cobrar el multa en su totalidad el gobierno puede incluso no regresar lo que toque a devolver por varios aà ±os, hasta que la deuda se paga completamente. Para mayor informacià ³n sobre Obamacare Se puede marcar al telà ©fono gratuito 1-800-318-2596 o consultar la pgina oficial de Cuidado de Salud del gobierno de los Estados Unidos. Este es un artà ­culo informativo. No es asesorà ­a legal

The impact of terrorism on tourism Dissertation

The impact of terrorism on tourism - Dissertation Example However, of late the terrorism activities have gained further dominance owing to its growing linkage to the tourism industry. Wilks, Pendergast and Leggat (2006) states in this regard that it is hard to uncover the reasons which have led to the growth of terrorism and its growing linkage to tourism activities. The tourism industry has become the target point for terrorism activities in the international scale owing to the slag of security and alertness. Tourists on tour tend to be remain undeterred about the surrounding environment being lost in the fun of holidaying which becomes the target point of terrorist to easily lay their grounds upon. Wilks, Pendergast and Leggat (2006) further observe that the rate of infiltration of terrorist in tourism centers has also another potential reason other than the lack of alertness of the tourists. The functions of tourism mainly occur along the principal trade routes of any region. Thus the terrorists feel that attack on such trade and economi c routes would help in disrupting the economic activities of the region. Thus terrorist attacks on tourism helps in jeopardizing the trade and economic operations of a region making it poor. ... The linkage of terrorism operations with tourism industries can also be observed to be a potential factor that enables the terrorist outfits to gain considerable publicity. Tourist centers being largely linked with market places helps the terrorist gain wide amount of publicity having conducted a large massacre of human lives and property. It helps them reach their demands to the eyes and ears of the higher authorities. Finally, Wilks, Pendergast and Leggat (2006) state that the nature of the functions of tourism industry being so diversified and spread across international borders that it becomes difficult to trace the movement of terrorists inside hotels and tourist areas. People from various nationalities clad in different type of outfits tend to regularly visit international tourist hotspots which being not closely monitored encourages militancy actions. (Wilks, Pendergast and Leggat, 2006, pp.82, 85-86). Types of Terrorist Activities across Tourism Centers The event of terrorism linked with tourism activities in order to succeed in their goals of spreading terror and panic in the regions takes to different forms of terrorist operations. In this regard, Henderson (2007) observes that terrorist outfits generally carry out a host of terrorist activities, which aims to take many lives in order to succeed in their mission of spreading terror. Different terrorist operations are planed out by the terrorist groups, which can take place individually or in particular assortments. The different activities, which are planned by the terrorist groups, include employment of suicide bombers to counter insurgency operations. The terrorist

Buying Versus Leasing Assignment Example | Topics and Well Written Essays - 2250 words

Buying Versus Leasing - Assignment Example More significantly, capital budgeting is more commonly used in management planning as it gives an outlay of the long-term implication of purchasing or leasing a new car. Therefore, the main aim of the thesis of this paper is to not only evaluate the suitable choice of acquiring cars, but to also analyze the financial and non-financial factors that influence decision making. Executive Summary Investment decisions are based on economical and effective factors that make the purchase of cars more viable as compared to leasing a car. More significantly, application of capital budgeting in deciding on purchases takes into consideration the viable choice after carrying out appraisal based on the expenses related to buying and leasing and their cost respectively. As a result, capital budgeting is more commonly used in management planning as it gives an outlay of the long-term implication of purchasing or leasing a new car (Thomas & Maurice, 2011). More so, considerations should be undertaken based on the provision economic decisions based on interest rates, sources of finances, end of lease fees, loan terms, personal guarantees and operating cash while making decisions on whether to procure or lease a car as related to economical costs. Even though, leasing allows for payments within small intervals it is considerably expense as the payments accumulate over time with no long-term benefit being derived. Definition In the acquisition of new assets, there are two choices based on whether to lease or purchase. More considerably, leasing comes either as operational or capital lease depending on the terms of the contract. In capital leasing, an individual is allowed to finance the maintenance and use of the car while at the end of the agreed lease term take up ownership after undertaking a nominal buy out lease. On the other hand, operational lease allows for renting of the car, and as a result, there is no ownership entitled at the end of the contract as the lease term allo ws for monthly payments (Powell, 2009). Nonetheless, purchases allow for payments to be made at the initial purchase and ownership of the asset is transferred immediately to the buyer. Even though, the leasing of a car seem viable it involves regular payment of the leasing fee as the returns of the vehicle passes back to the initial owner, when the lease term comes to an end as compared to purchases where upon payment of the purchase price legal ownership is issued immediately to the buyer of the car. As a result, there is a significant difference in terms of payments and ownership term in the purchase and leasing of a car. More considerably, to understand about leasing agreements, it is essential to understand about the lessor as the leasing company in which they deal with leasing of cars based on rights that govern the contract (Powell, 2009). While the leaseholder, or lessee is an individual who utilize services of the leasing company through leasing of vehicles. As the lessee us es the vehicle, they make payment based on calculated monthly lease charge this payment made are considered to cover the interest that is charged by the leasing company for services offered. As a result, the leaseholder makes a choice on the type of lease to undertake. If an individual chooses capital lease, it is known as closed-ended lease because the leaseholder does not get a guarantee of

Cultures and Traditions Essay Example for Free

Cultures and Traditions Essay She doesnt seem to be ashamed and there is no emotion in her voice. Is he dead? Of course. They are still trying to make light of a bad situation. Their history has been described because nobody would go up to a person and say I have just killed one of my guests and I would make sense if she told this to someone closer to her. She has a very bold approach, is not afraid to say what she thinks, she doesnt think before she acts. Her devotion is very strong for her son and is a very independent woman and has a sense of discipline. For example, she applied to him the same norms of discipline and She did not want anyone to be able to say she had brought him up badly. Riad suggests that she should start a guest house. He is like her saviour in a way. She seems to be a very forthright person, Girls brought their boyfriends for her approval. She isnt afraid to speak her mind and can be a very blunt person at times. When she says, In one of the back rooms. she shows no fear of being caught, she doesnt even lower her voice. Ines must have had a very strong stomach shown by the description of the murder. For example, his head hanging by a strip of ashen flesh. The conversation between Halabi and Ines shows Ines does not have much respect for the authorities, An eye for an eye and a tooth for a tooth, She seems to think along the terms that someone killed her son and she is going to kill the murderer. Riad always seems to be taking care of the situation, for example, calming the people to prevent them from tearing the perpetrator limb from limb. and I think Ines likes that quality in him. Ines had scrubbed the walls and furniture, It is just like a chore for Ines to do, something to keep her occupied while the body was being taken care of. Ines thought the murder wasnt particularly barbaric compared to the latest cockfights. Near the end you see a more soft side to Ines, you are the person I love you should have been the father of my son. She might think that all of this might not of happened if Riad was the father of her child. The community of Agua Santa seem to be like a cult. Riad had to prevent them tearing the perpetrator limb from limb. This shows they are behind Ines every step of the way, for example, All the inhabitants of Agua Santa had spent the day hauling mangoes, which they throw through the windows until the house was filled floor to ceiling. Ines is a very powerful figure in the town. She was higher than the doctor, the priest and the police. The community looked up to her. They turned the perpetrator house into an enormous beast in the process of putrefaction It gives the house a very grotesque form. Its like its had the life sucked out of it and has been turned into a ferocious beast. The people of Agua Santa seem to liven up once something started happening in their insignificant backwater town. The Lieutenant and his men even arrived so you might it was important but they accepted an invitation of the girls at the who were celebrating a birthday, they said it makes it seem deceiving. There were more people on the street than on All Saints Day, this shows that even a spark of activity can cause big difference the peoples attitudes and lift their spirits. they seemed to be practising a part in a movie its like the whole scene was surreal and this could not really be happening. The priest lighted up the lamps but no one was in the mood for that type of devotion. Everybody is so excited and that they dont concentrate on anything else, not even their religion, just on the news they heard. The body was stuffed in to a canvas sack, wrestled out into the street, unceremoniously thrown into a sack and put into the back of Riads truck. The body didnt seem to have been shown respect at all since it was the killer of Ines son. The house had further developed into a monstrosity and no one could get through the impenetrable jungle. When they got back to at midnight, they found no one had gone to bed. Everybody seemed to be so ecstatic and full of energy that the perpetrator was gone. Agua Santa returned to their usual chores exalted by a magnificent complicity, by a secret kept by good neighbours, the community know they can trust each other and work together in any situation. Both mothers know what they want and how to get it and both have a level of determination. Their love for their sons is a strong motive to their revenge and are ruthless in their ways of dealing with it. Both mothers dont show a lot of emotion throughout the stories until the very end because they finally know they have done what they needed to do. The endings of the stories are both effective because they are both short and straight to the point and they both end on a happy note and the mothers can live their lives since both of them get their revenge. The characters are firmly rooted in time and place. For example, I think Vendetta had a strong belief about family but not about the community while The Schoolteachers Guest was the opposite. The communities reacted to the killings in different ways. The people of Agua Santa supported Ines and were right behind her and resulted in violent behaviour by vandalising the perpetrators house whilst in Vendetta , the community thought nothing of it and just continued with their lives and took no interest. Ines waits and speculates for things to start up while Widow Saverini gets right on with the task of dealing with the problem. In all, the stories both symbolise revenge and on how the mothers deal with the same situation. 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A Comparison of Generational Conflicts in The Kiss and Marriage Is a Pr

Generational Conflicts in The Kiss and Marriage Is a Private Affair      Ã‚  Ã‚  Ã‚  Ã‚   As a family's lineage develops, there may be apparent differences in the way of thinking, attitude, and devotion to tradition between the generations. These differences or developments can either build up friction between generations, or in some cases ultimately heal the discord between other generations. Both Julia Alvarez's contemporary short story, "The Kiss," and Chinua Achebe's classic "Marriage Is a Private Affair" reveal the conflict that can erupt when one generation of a family diverges from its traditional or family values.   Both accounts display differences in the way of thinking of the conflicting parties and touch upon the aspect of healing their generation gap by offering some kind of appeasement.    There is the major theme portrayed in both stories. In each, there is a forbidden marriage that comes about as a result of children disagreeing with and hence rebelling against the traditional customs or values of their family. The major protagonist in each account coincidentally is the father who goes to great extents to estrange the rebellious offspring. Despite the fact that each story is written within a different era and culture, they both exhibit the dominant male figure as the family head, with very little or no input on what is right for the family from any other member. The paternal figures are strongly opinionated and do not waver from what they believe should be the proper behavior of their children, resulting in conflicts between Papi and Sofia, and Okeke and Nnaemeka.    Foreshadowing of the main conflict in "The Kiss" is evident when Papi cautions his daughters by exclaiming, "I do not want ... ...s in real life situations, the birth of a child or in this case grandchildren, brings about pacification to feelings of dissension. The celebration of a new life, therefore, is far more important than any scuffle that might have hindered previous marital relationships, and both Achebe and Alvarez have proved this with their own unique styles.       Works Cited    Achebe, Chinua. "Marriage Is s Private Affair." Literature. 5th ed. Ed. Robert  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   DiYanni. New York: McGraw-Hill Higher Education, 2002. 253-257. Alvarez, Julia. "The Kiss." Literature. 5th ed. Ed. Robert DiYanni .  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   New York: McGraw-Hill Higher Education, 2002. 488-495. Atwood, Margaret.   "Happy Endings."   Literature.   5th ed.   Ed Robert DiYanni.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   McGraw-Hill Higher Education, 2002.   496-499.