December 4, 2008
Tuition At Harvard
My weapon - my intuition
by: Bruce Hughbanks
Copyright 2005, Bruce Hughbanks, Founder / Director / CEO - The Employment Alternative Group
My weapon - my intuition!
You heard about it everywhere: the prince in the fairy tales mentions it, the characters in your favorite book, the Greek legends bring it up etc. All these situations make you wonder whether intuition is something writers have invented. Could it exist beyond the borders of human imagination? Or, in other words, does intuition exist in real life?
Strangely or not, intuition is a characteristic associated mainly with women. That happens probably because women are considered to be more sensitive and open minded. Modern studies, regarding the typology of the personalities, reveal that about a quarter of all women know how and frequently use this mental capacity called intuition.
If you still have doubts whether intuition truly exists in real life, think about your own experience. Remember how, all of a sudden a great idea occurred to you in the most unexpected moment, or you discovered, spontaneously, the answer to a question that had been bothered you for quite a while. It also happened to you to run into somebody you know and to guess exactly what the person was about to say; or, also remember that sometimes you think about someone and after a few minutes, that person rings you up. All these examples, which do not seem to follow any logical path, can be explained by using the term intuition.
However, we cannot always fallow what our visions or intuitions tell us, because we can’t always afford to be spontaneous and take the risk. Who hasn’t been wrong when following his or her intuition? Sometimes, it turns out exactly the opposite from what we expected it to happen and we discover that in fact, out intuition, was nothing but a fear, a thought that turned out not to be real. We feel very embarrassed at the moment and we don’t dare to trust our instincts anymore, which is precisely something that we should not do. Despite the occasions when you were wrong, you should never totally ignore your intuition, especially if you have a strong feeling about something or somebody.
But, what is intuition more exactly? How would specialists describe it? By using our intuition we can say that we let, in a way or another, our mind or soul transmit to the eye those things that cannot be correctly distinguished. Instinct or intuition requires, in the first place, an open mind, capable to receive and transform information. It is also true that intuition helps us perceive meanings beyond logic, read between the lines etc.
However, it is important to determine whether intuition has any effects on our everyday lives? Persons who use intuition frequently tend to analyze the possibilities and the effects certain actions might have, and they end up with a multitude of options, out of which they chose the most favorable one.
There are two types of intuition: the one based on reason, typical for the persons who try to dominate the capacity of understanding, controlling and predicting the reality; and the intuition based on affection, representative for the persons recognized by the others as energy sources, as they influence in a positive manner all the people around them.
Let’s not forget that intuition is, indeed, a real and positive characteristic, but nevertheless it must be combined with judgment and reason.
About The Author
Bruce Hughbanks is Dedicated to the Success of Business Minded Entrepreneurs World Wide. His In-Depth Views, Techniques and Dedication to helping others is second to none. Contributed to the Advancement of Internet Marketing Success, Copywriting and Joint Venture Affiliations. Find out how he can help you: http://www.ProfitZilla.com (Another TeagINC Network Production)
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Experience True Freedom! The Employment Alternative Group
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The price of a college education has risen dramatically in the last ten years. Prices of tuition, room and board and books have increased much faster than the rate of inflation, and students and their parents have struggled to find ways to pay for these increases.
A recent study by the Smith College Women and Financial Independence Program found that nearly one quarter of college students are using their credit cards to pay for some of their college expenses. This is a poor choice, as we shall soon see.
Unlike a generation ago, most students today have at least one major credit card. The lending industry has aggressively targeted college students and made it very easy for them to obtain cards. The problem is that most people of college age have relatively little money management experience and tend to use the cards rather foolishly.
About ten percent of college students have balances on their credit cards of at least $5000, and much of this debt is attributable to using the cards for college expenses.
The main problem is the interest rate on credit cards, which tends to be much higher than other borrowing choices for tuition. The Federal Stafford student loan program offers rates for tuition in the neighborhood of 5%, and that?s after an increase that recently went into effect. Five percent is a dramatic improvement over the 20% or so that one might pay using a credit card.
Other options are available. Some universities will allow payments; students should inquire to see if they can simply pay on installments. Even if interest is added, it undoubtedly will be a less expensive option than paying by credit card. There are student loan programs available for the parents of students at favorable rates that are only slightly higher than those for Federal student loans.
Students need to understand how to use credit cards responsibly. The best use for credit cards is for a purchase that can be afforded immediately, not a long term purchase. Buying textbooks with a credit card is OK as long as you can pay the bill when it comes at the end of the month. Putting a semester?s tuition on the card, with no idea as to how or when it might be repaid, is a poor choice.
Students who develop bad spending habits early are more likely to have problem debt down the road, and may be headed towards early bankruptcy as their spending hurts their credit report.
Anyone who has questions about how to effectively pay for education expenses should contact his or her school?s administration. They can point out which department or departments may be able to help assist with expenses in a way that won?t drive students straight into a life of problem debt.
About the Author: Talbert Williams offers debt consolidation, debt reduction, credit card debt referrals and advice. For more information, articles, news, tools and valuable resources on debt solutions, visit this site: http://www.1debtfreedom.com
