Reflective Essay: The Importance Of The Word Preowned

Horatio Alger is described as “the classic American hero, a writer of mediocre fiction with a formula for commercial success.” (Dalton) He found success by writing fictional stories that seemed to inspire children living in poverty to rise above all that was holing them down through hard work and determination. What Alger did not write was that this is a very unlikely feat to be accomplished by just any poverty stricken child. In reality it takes more than just hard work and determination to enable financial security, you need money to start with. Which makes Alger’s stories hard to apply to real life situations in today’s world.

What defines Frugal? According to Webster’s dictionary, this means the behaviors reflecting the economy in the use of a resources. This chapter also includes many statistics that are very interesting to someones knowledge. One will also learn that the shopping habits people have and where they shop determines if they are well off. In the story about Johnny and his habits of life, one will learn that he is not considered a “bespoke” because he does not spend the money on customized suits. It is proven that people will buy certain pieces of clothing or a pair of shoes just to have the logo on it. One will also learn that most Americans in this generation will never become wealthy because they are wasteful. Many people do not have the discipline to stop spending money on wasteful things. Just like with a credit card, one is not considered wealthy if they own a credit card. People do not know how to properly manage money. While reading the story of Mr. Friend, one will learn that he owns a lot of valuable things but barely ever has time to enjoy those things and time with others because he is always working. People do not realize that simple little things you buy everyday will accumulate. It is shown that Mr. Friend will not be

Classism is a major issue that plagues American society. Classism separates groups by their economic status in society. America is perceived to be a middle class society, however in reality the middle class does not hold majority of the nation’s wealth. Most of the nation’s wealth is held by 1% of the population in America which consists of 34% of the nation’s wealth, meanwhile “the richest 20% of Americans hold nearly 85% of the total household wealth in the country” (Adams et al, 2013, p. 151). American citizens that are a part of the upper class are privilege because they have access to majority of the resources. They are not shut out from opportunities like the middle and lower class. The class that an individual is in affects their chance

Having a job does not always mean get out of poverty free, like playing monopoly get out of jail free card. What is the sense of having a job, and being underpaid, and still cannot pay your bills because of high cost of living? We live in a society where everything is high: rent, food, gas, etc. Which only mean the richer get richer, and the poor get poorer. Only gives the younger generation coming up with a perception that it is a dog eat dog world. What alternative is left for those living in poverty who are desperate to feed their young ones, and to have a hope for a better tomorrow? Is that sad? Technology is sky high. Everytime you look there is a new phone, clothes, new gadget. Money is being ported to all these materialistic things. We are all one, we all need each other, less fighting more love. Poverty cannot be solve in a day, but as soon as the government realize the negative outcome of low wages,and start paying high wages, then they will see the positive

Throughout American History, there have been countless Americans who have prided themselves on striving for equality and opportunity. But also throughout American History, there have been countless others who have exploited that promise for personal gain. In his 2014 article, "The $236,000 Hole in the American Dream," Dean Starkman explores the concerning economic gap that has formed between the epitome of American racial division, whites and blacks. He introduces the idea of asset accumulation, wealth that is generated over time, and how whites have used it to abuse blacks economically. After examining the problem, he offers solvency for the issue, but reminds the reader that this is not the end, and the effectiveness of his policies will

In the spiritual dimension, I was able to explore many topics that I was never exposed to throughout my upbringing. First I was introduced to the six common faith traditions. Even after this exposure, I am still unable to categorize myself into one of these six dimensions. If I had to choose one that has the most influence over me, it would be the Incarnational Tradition. This faith tradition stands out to me due to the relationship to the sacraments. The next topic answered the question of, “How does faith develop?”. The answer to this question comes through the idea that each person is develops their faith in similar stages. After this section, I really do believe that each person is at a

What causes poverty? A question such as this is important to consider when trying to determine why the income gap in America has increased so greatly. Based from Maya Wesby’s article Why the Rich Stay Rich and the Poor Stay Poor, the key determinate to someone’s financial success is related to the environment in which they are raised. It is essentially the privileges of being born or brought into a wealthy family that gives them the advantage over the majority of the population.

The term “Niggerization” has many discourses, but only one fundamental truth and meaning. It is the implication that psychological and lifestyle impulses assume the role of a subordinate, with the abstract meaning or intension of a term which is used to subjugate individuals with a common history that is intertwined in a common thread of identity and experience, particularly the African American one. Being niggerized just doesn’t happen overnight. It takes years of deprogramming, and reprogramming to successfully niggerize an individual or a group. If you are dehumanized down to a degree where you just give up and accept whatever you’re given, that is a form of being niggerized. If you are not letting your voice be heard, because you are constantly in fear of being attacked, criticized, dehumanized and/or vilified, that is also another way of being niggerized. When you downplay your own belittlement because you’re realities of life are too much to take,

In America today there is clearly a racial and gap problem. Asset inequality continues to be a issue here today. Minorities have been victims to the subprime mortgage system. Blacks have been given an unfair amount of the loans that has caused to them to lose a big amount of their home equity earnings. Financial assets are key to maintaining and staying ahead in your finances and usually without them you’re more likely going to struggle to stay in the middle class and fall to poverty. Housing wealth is disproportionate due to the fact the African American families parents and grandparents grew up in segregated areas where it was hard to gain any financial capital. According to the article in paragraph 5 Melvin Oliver claims that African

It might seem as yet another innocent love story, but do not let the title fool you. Nadine Gordimer creates a story after the “and they lived happily ever after” showing that that might not always be the case.

Driving down the highway, flying by billboards, passengers and drivers glanced at an image of a teakettle. Its arm branched out with a bell sitting on it like a hand, a black line running down the shiny body just as a neck tie would, and the handle parted to be thick on one end and slender on the other. A few seconds later, one of the people turned and said, “The teakettle looks like Hitler!” A common phrase is, “there is no such thing as a bad advertisement,” but there definitely is when someone makes an image of Hitler and puts it on the highway. The lack of regulations inside of the world of advertisements has allowed companies to brainwash the consumers over many years into thinking they need more than what is necessary, or create an image that will constantly remind them of a product or service. The only regulations that exist today require companies to include certain

The role of a background investigator is a very important one, your findings and your ability to do your job can affect a plethora of things. This will motivate me to be the best version of myself at all times and furthermore motivate me to do the best job possible. Being the best version of me means that I inspire confidence in me from people that I encounter. You cannot possibly to your best job in this profession without instilling trust in people with your communication skills and your ethics. It motivates me that so many different outcomes for an individual and the company that they have applied themselves to, ride on how successful I am at finding out that person 's history. My findings can affect many people, I have to be motivated

Where do you stand on the social inequality in the United States? People of different classes will give different answers. We should admit that the United States is the most powerful capitalist country in the world, where great advances in science and technology and the development of capitalism have brought a lot of benefits, which provides a great opportunity for the United States to become the richest country in the world. This wealth, however, can’t be enjoyed by everyone. In Born Poor and Smart, the author feels that he is not worthy of success because of the inequality of class. In When Shelter Feels Like a Prison, the author has not been able to live a normal life due to the inequality of income. In A Great Time to Be Live, the country has to have their eyes on the rich tax to reduce the income inequality. As a result, inequality does bring a negative influence on society. For the growing children, the impact is far more far-reaching. American social inequality will not only hurt people in life and spirit, but also will continue from generation to generation.

A reverse mortgage is one of many vehicles that individuals 62 years of age or older can use to turn the equity in their home into cash. It is very important, though, for an individual to fully understand reverse mortgages, their ramifications, and the alternatives. This article will provide an overview of reverse mortgages, as well as discuss alternatives.

Over the course of centuries, the question “what does it mean to own something was always in the atmosphere as many had different views. There have been different claims made by thinkers and philosophers that add to the topic with their own opinion on what does owning something mean or do. As some like Plato believe ownership is detrimental while thinkers like Aristotle believe that “Ownership” of tangible objects is beneficial as it helps to develops moral character. Also, the meaning of “ownership” developed over time as people such as Sartre believe it included tangible and intangible objects like skills basically opposing the view that ownership is only tangible objects. Ownership is anything that we have obtained and included in our lives no matter it being a tangible object or something intangible like an idea or being proficient in a skill causing one’s character to change.