Accounting Graduation Quotes

By the time I graduated, I knew that the confidence I’d managed to develop didn’t come from a perfect family or God-given talent. It came from personal accountability which brought me self respect, and self respect will always light a way forward.

but you know the minute I graduated high school I never looked at a single math problem again, right? I send everything with numbers on it to my accountant, or I make Michael deal with it.” “Great. Spoken like a true feminist,

Immediately after graduating, with honors, from Emory University in the summer of 1990, McCandless dropped out of sight. He changed his name, gave the entire balance of a twenty-four-thousand-dollar savings account to charity, abandoned his car and most of his possessions, burned all the cash in his wallet. And then he invented a new life for himself, taking up residence at the ragged margin of our society, wandering across North America in search of raw, transcendent experience.

We need an engineering friend.” She points a finger at Carin. “Go back to Briar and hook up with an engineering student.” “Okay, but I’ll need to actually have sex with him beforehand, so I won’t be back until,” she pretends to check the time, “ten or so.” “We’re all college graduates,” I proclaim. “We can put this together ourselves.” Clapping my hands, I motion for everyone to get on the floor with me. After three tries of trying to lower myself to the ground and making Hope and Carin nearly pee their pants laughing in the process, D’Andre takes pity on all of us and helps me onto my knees. Which is where Tucker finds us. “Is this some new fertility ritual?” he drawls from the doorway, one shoulder propped against the frame. “Because she’s already pregnant, you know.” “Get yo ass in here, white boy, and put this thing together,” D’Andre snaps. “This is ridiculous.” “What’s ridiculous?” Tucker stops next to me, and I take the opportunity to lean against his legs. Even kneeling is hard when you’re toting around an extra thirty pounds. “We took it apart. How can you not know how to put it back together?” D’Andre repeats his earlier excuse. “I’m an accounting major.” Tucker rolls his eyes. “You got an Allen wrench?” “Are you mocking us right now?” I grumble. “I don’t have any wrenches, let alone ones with names.” He grins. “Leave this to me, darlin’. I’ll get it fixed up.” “I want to help,” Hope volunteers. “This is like surgery, except with wood and not people.” “Lord help us,” D’Andre mutters.

Millennials: We lost the genetic lottery. We graduated high school into terrorist attacks and wars. We graduated college into a recession and mounds of debt. We will never acquire the financial cushion, employment stability, and material possessions of our parents. We are often more educated, experienced, informed, and digitally fluent than prior generations, yet are constantly haunted by the trauma of coming of age during the detonation of the societal structure we were born into. But perhaps we are overlooking the silver lining. We will have less money to buy the material possessions that entrap us. We will have more compassion and empathy because our struggles have taught us that even the most privileged can fall from grace. We will have the courage to pursue our dreams because we have absolutely nothing to lose. We will experience the world through backpacking, couch surfing, and carrying on interesting conversations with adventurers in hostels because our bank accounts can't supply the Americanized resorts. Our hardships will obligate us to develop spiritual and intellectual substance. Maybe having roommates and buying our clothes at thrift stores isn't so horrible as long as we are making a point to pursue genuine happiness.

Lewis, anything but dull, suffered from an excess of misguided cleverness: he could disparage himself brilliantly in a matter of seconds. He knew literature, art, the theater, history; and his knowledge surpassed what a college normally provides. His knowledge led nowhere, certainly not into the world where he was supposed to earn a living. Lewis had once gone to work in the bookstore of his school because he loved handling books and looked forward to being immersed in them. He was then instructed to keep careful accounts of merchandise that might as well have been canned beans. He soon lost interest in his simple task, failed to master it, and quit after three days. Eight years later, he was still convinced of his practical incompetence. College friends familiar with his tastes would suggest modest ways for him to get started: they knew of jobs as readers in publishing houses, as gofers in theatrical productions, as caretakers at galleries. Lewis rejected them all. While he saw that they might lead to greater things, they sounded both beneath and beyond him--the bookstore again. Other chums who had gone on to graduate school urged their choice on him. Lewis harbored an uneasy scorn for the corporation of scholars, who seemed as unfit for the world as he. He remained desperate, lonely, and spoiled.

The extreme rarity of transitional forms in the fossil record persists as the trade secret of paleontology. The evolutionary trees that adorn our text- books have data only at the tips and nodes of their branches; the rest is inference, however reasonable, not the evidence of fossils. Yet Darwin was so wedded to gradualism that he wagered his entire theory on a denial of this literal record: "The geological record is extremely imperfect and this fact will to a large extent explain why we do not find interminable varieties, connecting together all the extinct and existing forms of life by the finest graduated steps, He who rejects these views on the nature of the geological record, will rightly reject my whole theory." Darwin's argument still persists as the favored escape of most paleontologists from the embarrassment of a record that seems to show so little of evolution. In exposing its cultural and methodological roots, I wish in no way to impugn the potential validity of gradualism (for all general views have similar roots). I wish only to point out that it was never -seen- in the rocks. Paleontologists have paid an exorbitant price for Darwin's argument. We fancy ourselves as the only true students of life's history, yet to preserve our favored account of evolution by natural selection we view our data as so bad that we never see the very process we profess to study. [Evolution’s Erratic Pace - "Natural History," May, 1977]

Pleasure died forty years ago in America, perhaps further back, in a wave of carbon monoxide, gasoline, cigarettes for dames, the belief in everything and everybody, tolerance for the intolerable, the hatred of being alone in silence for more than twenty seconds, the assurance that immortality was Americans eating all-cow franks, with speeded-up peristalsis while talking to a crowd of fifteen trillion other same-bodies eating sandwiches, gassing cokes, peristalsing, and talking, while baseball-sound-movie-TV tomorrow's trots off track betting howled roared farted choked gagged exploded reentered atmo honked bawled deafened pawed puked croaked shouted repeated repeated REPEATED, especially SAY IT AGAIN LOUDER SAY IT AGAIN, stick that product in every God-damned American's mouth and make him say I BOUGHT IT, GOD I BOUGHT IT AND IT'S GREAT IT's HOLLYWOOD IT'S MY ARSE GOING UP AND DOWN AGAIN, IT'S USA, GOD, and if you can't get it in his mouth and make him SWEAR IT SWEAR IT USA, stick it in his anal sphincter (look it up in the dictionary, college graduates, on account of you didn't have time to learn it in the College of Your Choice).

By the time I graduated, I knew that the confidence I'd managed to develop didn't come from a perfect family or God-given talent. It came from personal accountability, which brought me self-respect, and self-respect will always light a way forward

The three Coffeehouse Investor principles offer a sensible starting point for a young college graduate who is starting to contribute to a company-sponsored retirement account. All it takes is a commitment to save and an investment in one simple index fund to build wealth, ignore Wall Street, and get on with your life. Time is on your side.   On

Entrepreneurs who kept their day jobs had 33 percent lower odds of failure than those who quit. If you’re risk averse and have some doubts about the feasibility of your ideas, it’s likely that your business will be built to last. If you’re a freewheeling gambler, your startup is far more fragile. Like the Warby Parker crew, the entrepreneurs whose companies topped Fast Company’s recent most innovative lists typically stayed in their day jobs even after they launched. Former track star Phil Knight started selling running shoes out of the trunk of his car in 1964, yet kept working as an accountant until 1969. After inventing the original Apple I computer, Steve Wozniak started the company with Steve Jobs in 1976 but continued working full time in his engineering job at Hewlett-Packard until 1977. And although Google founders Larry Page and Sergey Brin figured out how to dramatically improve internet searches in 1996, they didn’t go on leave from their graduate studies at Stanford until 1998. “We almost didn’t start Google,” Page says, because we “were too worried about dropping out of our Ph.D. program.” In 1997, concerned that their fledgling search engine was distracting them from their research, they tried to sell Google for less than $2 million in cash and stock. Luckily for them, the potential buyer rejected the offer. This habit of keeping one’s day job isn’t limited to successful entrepreneurs. Many influential creative minds have stayed in full-time employment or education even after earning income from major projects. Selma director Ava DuVernay made her first three films while working in her day job as a publicist, only pursuing filmmaking full time after working at it for four years and winning multiple awards. Brian May was in the middle of doctoral studies in astrophysics when he started playing guitar in a new band, but he didn’t drop out until several years later to go all in with Queen. Soon thereafter he wrote “We Will Rock You.” Grammy winner John Legend released his first album in 2000 but kept working as a management consultant until 2002, preparing PowerPoint presentations by day while performing at night. Thriller master Stephen King worked as a teacher, janitor, and gas station attendant for seven years after writing his first story, only quitting a year after his first novel, Carrie, was published. Dilbert author Scott Adams worked at Pacific Bell for seven years after his first comic strip hit newspapers. Why did all these originals play it safe instead of risking it all?

Everything a child experiences, either by way of indulgence or the self-restraint you impose, is preparing him for the day when he will mature into a responsible, moral soul. Somewhere on that road of development, each child will graduate to commence his full accountability. That child then stands alone before God, “without excuse.” It becomes his day of accountability.

Virtually every inner city of size in America—New York City, Detroit, Chicago, Baltimore, St. Louis, Cincinnati, Milwaukee, Newark, Atlanta—is 100 percent controlled by the Democrat Party and has been for fifty to a hundred years.5 These cities account for the majority of the homicides and robberies in America, for the lion’s share of urban poverty, welfare dependency, and drug addiction, and for a majority of the failed schools where, year in and year out, 40 percent of the students don’t graduate, and 40 percent of those who do are functionally illiterate. No reforms to remedy this unconscionable situation are possible, moreover, thanks to the iron grip of Democrat teacher unions who run the schools to benefit the adults in the system rather than their student charges.

In just a few decades, Minnesota has gone from being approximately 99 percent German, Dutch, Finnish, Danish, and Polish to 20 percent African immigrant,7 including at least one hundred thousand Somalis.8 And that’s not counting the Somalis who have recently left the country to fight with al Qaeda and ISIS. One hundred thousand is just an estimate. We don’t know precisely how many Somalis the federal government has brought in as “refugees” because the government won’t tell us. The public can’t be trusted with the truth. Since becoming more multicultural, Minnesota has turned into a hotbed of credit card skimming, human trafficking, and smash-and-grab robberies.9 Mosques have popped up all over the state—as have child prostitutes and machete attacks. Welfare consumption in Minnesota has more than doubled on account of the newcomers—only half of whom have jobs. Those Somalis who do have jobs earn an average of $21,000 a year, compared with $46,000 for the average Minnesotan. (Consider yourself lucky, Minnesota: In Sweden, only 20 percent of Somalis have jobs.) Eighty percent of Somalis in Minnesota live at or below the poverty line. Nearly 70 percent have not graduated from high school, compared with only 8.4 percent of non-Somali Minnesotans.10

I was perhaps still afflicted by the shortsightedness of someone whose skill set was neither unique nor in high demand. A sense of my own disposability had been ingrained since working in the publishing industry, and quitting without a plan was unfathomable. Every month since graduation was accounted for on my résumé. Sabbaticals, for anyone other than a college professor, were a novel concept, and one I could not trust.

The earlier you start making small changes, the more powerfully the Compound Effect works in your favor. Suppose your friend listened to Dave Ramsey’s advice and began putting $250 a month into an IRA when she got her first job after graduating from college at age twenty-three. You, on the other hand, don’t start saving until you’re forty. (Or maybe you started saving a little earlier but cleaned out your retirement account because you didn’t notice any great gains.) By the time your friend is forty, she never has to invest another dollar and will have more than a $1 million by the age of sixty-seven, growing at 8 percent interest compounded monthly. You continue to invest $250 every month until you reach sixty-seven, the normal retirement age for Social Security for those born after 1960. (That means you’re saving for twenty-seven years in contrast to her seventeen years.) When you’re ready to retire, you’ll have less than $300,000 and will have invested $27,000 more than your friend. Even though you saved for many more years and invested much more cash, you still ended up with less than a third of the money you could have had. That’s what happens when we procrastinate and neglect necessary behaviors, habits, and disciplines. Don’t wait another day to start the small disciplines that will lead you in the direction of your goals!

Working at Starbucks was an eye-opening experience, and not always in a good way. Our location was next to a private high school, and every afternoon we’d be subject to a steady stream of privileged teenagers messing around with their iPhones as they paid for their vanilla bean Frappuccinos with Starbucks cards. A thought I had not infrequently was I’m (basically) a college graduate working forty hours a week serving milkshakes to teens who have more money in their bank accounts than I do.

Archaeology, Concrete Poetry, Media and Communications, Festival and Theatre Administration, Comparative Religion, Stage Set and Design, the Russian Short Story, Politics and Gender. On finishing his studies – and it was never entirely clear when and whether he had finished his studies, on account of no one at the university being certain how many modules made a totality – Treslove found himself with a degree so unspecific that all he could do with it was accept a graduate traineeship at the BBC.

Reading a newspaper account of one young woman's fatal accident on a midsummer morning a few years ago got me thinking about how I would have liked to have departed before my time if that had been my destiny. If I'd had to die young, hers is the death I would have chosen. She was twenty-two, the story disclosed, bright, talented, beautiful, her future spread before her like a brilliant, textured tapestry. She'd just graduated from a prestigious eastern university, had accepted a communications position with a New York television network, and would depart the following day on a four-week holiday in Europe before embarking on her promising career and the rest of her exciting life. On that golden summer day, the young woman had just finished her morning run. She had sprinted the last half mile, then stopped abruptly to catch her breath. She was bent at the waist, hands on her knees, eyes on the ground, her mind a world away, perhaps in Barcelona or Tuscany or Rome, exulting in the enchanting sights she would soon see, the splendid life she would have. It was then that the train hit her. Unaware, unthinking, oblivious to everything but the beguiling visions in her head, she had ended her run on the railroad tracks that wound through the center of her small Oregon town, one moment in the fullest expectancy of her glorious youth, adrenaline and endorphins coursing through her body, sugarplum visions dancing in her head, the next moment gone, the transition instantaneous, irrevocable, complete.

You ever see that movie The Graduate?” “No, but I’ve heard of it.” “It’s a classic. Check it out some time. It takes place in the sixties or maybe the fifties. The protagonist is this college kid who has just graduated. He’s curious about how to make it in the world. This older guy, a businessman or something, has one word of advice for him – ‘plastics.’ “Plastics was the next big thing for his time, but for my time it was algorithms. All you need to know is the keyword, just one word, for your time and jump in the river of change. Let it carry you along to where we all want to go to the sea of a big bank account and all that goes with it. What’s the word for your time, Tommy? If you find out, you’re almost there." - Tommy's Exodus by Robert Hobkirk

I consider myself a Chicagoan now, having lived in the city since I graduated from the University of Illinois at Urbana-Champaign with a degree in accounting. I came here often when I went to Maine West High School out in Des Plaines, which is a short drive west on the Kennedy or a short Blue Line ride toward O’Hare airport, the next-to-last stop in fact. My friends and I would take the Blue Line downtown and then transfer to the Red or Brown Line up to Belmont and Clark, our favorite part of the city when we were 16 and 17, mainly because of The Alley—a store that sold concert shirts, posters, spiked bracelets and stuff like that—and Gramophone Records, the electronic music store that took my virginity, so to speak. - 1st paragraph from Sophomoric Philosophy

suggest funding college, or at least the first step of college, with an Educational Savings Account (ESA), funded in a growth-stock mutual fund. The Educational Savings Account, nicknamed the Education IRA, grows tax-free when used for higher education. If you invest $2,000 a year from birth to age eighteen in prepaid tuition, that would purchase about $72,000 in tuition, but through an ESA in mutual funds averaging 12 percent, you would have $126,000 tax-free. The ESA currently allows you to invest $2,000 per year, per child, if your household income is under $220,000 per year. If you start investing early, your child can go to virtually any college if you save $166.67 per month ($2,000/year). For most of you, Baby Step Five is handled if you start an ESA fully funded and your child is under eight. If your children are older, or you have aspirations of expensive schools, graduate school, or PhD programs that you pay for, you will have to save more than the ESA will allow. I would still start with the ESA if the income limits don’t keep you out. Start with the ESA because you can invest it anywhere, in any fund or any mix of funds, and change it at will. It is the most flexible, and you have the most control.

You’re called to come out of the crowd. You’re called to be counter-culture. You’re not called to live in this world, be of this world-you’re called to come out. News flash-the crowd is stupid. The crowd has no identity at all. We just do what everyone else is doing. “ “When you decide, you divide the enemy and his tactics, and his distractions towards your life. The moment you actually conqueror the urge, you get stronger and the urges get weaker. But it will never happen, until you determine “I am not like the crowd, I’m coming out of the crowd. I’m apart of the minority. Ruth is determined to choose right over easy. You want to know what the right thing is? The right thing is God’s word, and it’s not just about knowing it, it’s about applying it to your life!” “Choose right over easy.” “See, when you come out of the crowd, and when you say, and when you say with the crowd, it’s all crowded here, and when you say I’m going to be apart of the minority, but let my commitments stand. Hey Naomi, you don’t know me, I made a commitment, and my commitment matters. You can tell me I’m relieved of my responsibility, but my vow is my vow. And I’m not going to be swayed, just because the circumstances have changed.” “Stay on the path, because you don’t know what lies ahead of you. Because you’re not God. All He asks you and I is to put one foot in front of another. To keep on moving. Keep on going. Commit to God’s way, and watch God make a way, when there seems to be no way. “ “Being single is awesome! When you’re single, everything in your house, you own all of it. All the money in your bank account, belongs to you.” :) “I think one of the hardest things, that people don’t talk about is that you get to decorate your house exactly how you want to do it.” “The older I get, the more I realize that people are borderline obsessed with what’s next…but if you’re not careful you’ll get so obsessed with what’s next, you won’t care about what is now. It doesn’t take a lot of use to realize, that if you’re graduating from high school, everyone’s going-“where you going to college?” If you’re in college, everyone’s like “where are you going to work?” You work for a little while as a single person, and it’s like “when are you going to get married.” You get married, and everyone’s like, “when are you going to have kids?” You have a kid, and everyone’s like, “when are you going to have more kids.” “Singleness is not a stop sign. It’s not a period, it’s not a comma. Your life doesn’t begin when you get married. A boy-friend or a girl-friend doesn’t make your life start happening. Life is happening. The question is, “are you happening?” You don’t have to live boring or be bored to be single. A life filled with Jesus is full of adventure. It’s filled with spontaneity, it’s full of ups and downs. And it’s time for you to get on mission. Let me just be loud and clear and frank with it-Jesus is a better partner than any spouse could ever dream of being.” “The truth is, sometimes sitting on the path can be just as detrimental as getting off the path. You’re called to move forward, you’re called to grow, you’re called to become.” “Be the minority, because the majority is overrated.” -Rich Wilkerson Jr., Single and Secure

Generalized Social Anxiety In contrast to people with specific social anxieties, you may be afraid in a wide variety of situations. You might feel that people are judging everything you do and you might set unreasonable standards of perfection for yourself. This condition is called generalized (or discrete) social anxiety. Generalized social anxiety accounts for 80 percent of all cases of social anxiety. Often, people with generalized social anxiety get caught in a vicious cycle. Because they are overly anxious in many situations, they act in clumsy and awkward ways, which in turn makes them feel even more discouraged and anxious. This cycle often results in depression and chronic stress. Generalized social anxiety can affect almost every aspect of your life. This has been the case for Toni, a college senior. In high school, I hardly had any friends. I didn’t participate in any extracurricular activities and managed to get by with average grades. Because I attend a large state university, I am even more invisible. So far, I have avoided any class that has any interaction with my peers, such as discussion groups or labs. As graduation approaches, I need to decide what type of career I want. The thought of job interviews terrifies me. I am considering grad school but would need recommendations to apply. I haven’t even spoken to most of my professors, and the ones who know me probably can’t say anything good about me. As a result, I’m really depressed. When I imagine the future, I can’t see myself being happy. I’ll probably move back to my parents’ house after graduation. I know they are disappointed in me, and that makes me feel like a complete failure.

Most importantly, Payscale’s analysis finds that college is a very sound investment. Over a 30-year career, the graduates of a majority of schools will make at least $6,700 more per year than the average high-school graduate. That is more than enough extra income to make college worthwhile. In the 2013 rankings, Harvey Mudd, a private college with a science and engineering focus, ranks highest. On average, its graduates earn an extra $2.1 million over the span of their careers, which is an annual rate of return of 8.3% on the college investment. In the middle of the rankings, Georgia State alumni earn an extra $457,000 for a return on investment of 4.3%. Over half of the nearly 1,500 colleges have a return on investment of over 5%, and only 28 have negative returns. When you account for grants and financial aid, these numbers look even better.

The A is now the most common mark given out on college campuses nationwide, accounting for 43 percent of all grades. (In 1988, the A represented less than one-third of all grades.)3 With little sense of what to make of grades anymore, graduate schools and employers have stopped using them as the leading indicator of success. Even within schools, there is little consensus on what a particular grade means.

focus (and change majors) in college to account for newfound interests, even graduate students can venture into uncharted territory. Students can sometimes achieve a sharper focus of academic interests and career goals while discovering postgraduate options. Internships, jobs, and careers Creating a “storyline” of your interests and how they are linked together can be a great tool when writing out job applications in college. Demonstrate your knowledge of how you fit into the role you’re seeking. Be prepared for a rigorous job application process: spending hours preparing for interviews, going through several rounds of interviews, and

Now, I’ve got a few things to say. You’re on your way to First Phase, so make me proud of you. After Hell Week, those of you who survive will still have to face the scuba pool comps in Second Phase and weapons practicals in Third Phase. I’ll want to shake your hand at graduation. When you get there, I want to think of you as one of Reno’s warriors.” There’s another roar from the class. Reno is very popular with Class 228. While he has frequently made them suffer, the trainees know that Reno and the other Indoc instructors have tried to give them what they need to survive in First Phase. “Be on time. Be alert. Be accountable for your actions in and out of uniform. You officers, look out for your men and your men will look out for you. Your reputation is everything in the teams. Remember this if you remember nothing else. For each of you, a chance to build on that reputation begins on Monday morning at zero five hundred in First Phase.” He looks around the class; every eye is on him. “For those of you who do get to the teams, I want you to take this on board. The guys in the teams are a brotherhood. You’ll be closer to them than you ever were to your friends in high school or college. You’ll live with them on deployment and some of you may even die with them in combat. But never, ever forget your family. Family comes before teammates. Most of us will grow old and die in bed, and the only people who will be there to help us die will be our family. Put your family first. I want you to never forget that.

His name is C. J. Skender, and he is a living legend. Skender teaches accounting, but to call him an accounting professor doesn’t do him justice. He’s a unique character, known for his trademark bow ties and his ability to recite the words to thousands of songs and movies on command. He may well be the only fifty-eight-year-old man with fair skin and white hair who displays a poster of the rapper 50 Cent in his office. And while he’s a genuine numbers whiz, his impact in the classroom is impossible to quantify. Skender is one of a few professors for whom Duke University and the University of North Carolina look past their rivalry to cooperate: he is in such high demand that he has permission to teach simultaneously at both schools. He has earned more than two dozen major teaching awards, including fourteen at UNC, six at Duke, and five at North Carolina State. Across his career, he has now taught close to six hundred classes and evaluated more than thirty-five thousand students. Because of the time that he invests in his students, he has developed what may be his single most impressive skill: a remarkable eye for talent. In 2004, Reggie Love enrolled in C. J. Skender’s accounting class at Duke. It was a summer course that Love needed to graduate, and while many professors would have written him off as a jock, Skender recognized Love’s potential beyond athletics. “For some reason, Duke football players have never flocked to my class,” Skender explains, “but I knew Reggie had what it took to succeed.” Skender went out of his way to engage Love in class, and his intuition was right that it would pay dividends. “I knew nothing about accounting before I took C. J.’s class,” Love says, “and the fundamental base of knowledge from that course helped guide me down the road to the White House.” In Obama’s mailroom, Love used the knowledge of inventory that he learned in Skender’s class to develop a more efficient process for organizing and digitizing a huge backlog of mail. “It was the number-one thing I implemented,” Love says, and it impressed Obama’s chief of staff, putting Love on the radar. In 2011, Love left the White House to study at Wharton. He sent a note to Skender: “I’m on the train to Philly to start the executive MBA program and one of the first classes is financial accounting—and I just wanted to say thanks for sticking with me when I was in your class.

One of Brown’s best monograph sketches, for example, narrates the tragedy of Charles Stull, a deaf and mute man from Philadelphia who decided to cross the Oregon Trail, alone and on foot, during the peak emigration year of 1852. Stull died of cholera at Castle Creek, just west of Ash Hollow. He was found by the members of a passing wagon train, who examined his body and found $2.75 in his pockets, along with a certificate attesting to his graduation from the Pennsylvania School for the Deaf and Dumb in Philadelphia. I learned from Brown’s account how crowded the trail was that year, and new details about the cholera plagues. Brown also portrayed how early-nineteenth-century educators and philanthropists founded schools for the deaf and circulated beautifully illustrated pamphlets on sign language. Stull was an exemplary product of that era. He was one of the first students at the Philadelphia school for the deaf, and he and his brother, an engraver, published one of the first sign-language manuals, an illustrated broadsheet titled An Alphabet for the Instruction of the Deaf and Dumb. The

Moreover, an archetype exists in the nation’s consciousness that connects student loan debt with irresponsibility. This is a result of well-publicized accounts of loan defaults in decades past in which students took out loans with no intention of ever paying them back and simply filed for bankruptcy after graduation. This perception was sufficiently strong that in the 1970s, Congress was convinced to remove bankruptcy protections from student loans. However, according to a March 2007 paper by John A. E. Pottow of the University of Michigan, this perception had a fatal flaw: “The fatal problem is that there are no empirical data to buttress the myth that students defraud creditors any more than other debtors.”1 In fact, it was shown that when student loans were dischargeable in bankruptcy, there was a less than 1 percent bankruptcy rate among student debtors.2 Nevertheless, this misconception has been so often repeated that it is now indelibly etched in the public’s mind.

THE HORROR OF THE UNPROFESSIONAL I was surprised to learn that when Secretary of Defense Ashton Carter wanted to scold Russia for its campaign of airstrikes in Syria in the fall of 2015, the word he chose to apply was “unprofessional.” Given the magnitude of the provocation, it seemed a little strange—as though he thought there were an International Association of Smartbomb Deployment Executives that might, once alerted by American officials, hold an inquiry into Russia’s behavior and hand down a stern reprimand. On reflection, slighting foes for their lack of professionalism was something of a theme of the Obama years. An Iowa Democrat became notorious in 2014, for example, when he tried to insult an Iowa Republican by calling him “a farmer from Iowa who never went to law school.” Similarly, it was “unprofessionalism” (in the description of Thomas Friedman) that embarrassed the insubordinate Afghan-war General Stanley McChrystal, who made ill-considered remarks about the president to Rolling Stone magazine. And in the summer of 2013, when National Security Agency contractor Edward Snowden exposed his employer’s mass surveillance of email and phone calls, the aspect of his past that his detractors chose to emphasize was … his failure to graduate from high school. How could such a no-account person challenge this intensely social-science-oriented administration?

The Bureau of Labor Statistics tells us that most workers move out of minimum wage jobs quickly, and that they are very unlikely to return to them. Of workers who start out at the minimum wage, 46 percent move on to earn more than the minimum within one year. Of workers still earning the minimum wage in their second year of work, 55 percent graduate to higher wages by their third year. This pattern continues, so that for every 100 workers who start their careers at the minimum wage, five years later only three are still earning the minimum wage – the other 97 have moved on to higher paying jobs. And this accounts for the few workers who slip back into the minimum wage after earning more.

By the time I graduated, I knew that the confidence I’d managed to develop didn’t come from a perfect family or God-given talent. It came from personal accountability which brought me self-respect, and self-respect will always light a way forward.

Quoting page 150-151: Political camouflage, needed by legislators eager to please civil rights and minority organizations while avoiding punishment by voters for supporting racial quotas, was provided by the bureaucratic obscurity of the government’s procurement process. Voters did not understand the complexities of government contracting and agency regulation. … The weaknesses of minority set-asides were chiefly two. First, they were indubitably racial and ethnic quotas, and hence were politically controversial. As government benefits tied to ancestry, they violated the classic liberal creed that Americans possessed equal individual rights. … Nonminority contractors were barred by their ancestry or their skin color from even bidding on contracts paid for by taxpayer dollars, including their own. Second, and less obviously, set-aside programs produced a common set of flaws in implementation. The most severe problem was the concentration of set-aside contracts on a few successful firms. Agency officials, needing to spend a large amount of money on minority procurement contractors every fiscal year, found very few minority contractors able to do the job. Four-fifths of all certified minority firms had no employees, their personnel roster consisting solely of the owner of the enterprise. As a consequence, agency set-aside contracts were typically concentrated on only a few firms large enough and sufficiently experienced to meet the terms of the contracts, providing constructing, street paving, computer services, military uniforms, or other goods and services. In 1990, for example, only fifty firms, representing less than 2 percent of the certified minority firms in the 8(a) program, accounted for 40 percent of the $4 billion awarded. … such firms never seemed to “graduate” from the set-aside program, weaned from the incubator and ready to compete in the normal marketplace of competitive government contracting. … Almost all the contracts were awarded on a no-bid or “sole source” basis; in fiscal 1991, for example, only 1.9 percent of the 4,576 contracts in the 8(a) program were awarded on a competitive basis.

Asians are still a small minority—14.5 million (including about one million identified as part Asian) or 4.7 percent of the population—but their impact is vastly disproportionate to their numbers. Forty-four percent of Asian-American adults have a college degree or higher, as opposed to 24 percent of the general population. Asian men have median earnings 10 percent higher than non Asian men, and that of Asian women is 15 percent higher than non-Asian women. Forty-five percent of Asians are employed in professional or management jobs as opposed to 34 percent for the country as a whole, and the figure is no less than 60 percent for Asian Indians. The Information Technology Association of America estimates that in the high-tech workforce Asians are represented at three times their proportion of the population. Asians are more likely than the American average to own homes rather than be renters. These successes are especially remarkable because no fewer than 69 percent of Asians are foreign-born, and immigrant groups have traditionally taken several generations to reach their full economic potential. Asians are vastly overrepresented at the best American universities. Although less than 5 percent of the population they account for the following percentages of the students at these universities: Harvard: 17 percent, Yale: 13 percent, Princeton: 12 percent, Columbia: 14 percent, Stanford: 25 percent. In California, the state with the largest number of Asians, they made up 14 percent of the 2005 high school graduating class but 42 percent of the freshmen on the campuses of the University of California system. At Berkeley, the most selective of all the campuses, the 2005 freshman class was an astonishing 48 percent Asian. Asians are also the least likely of any racial or ethnic group to commit crimes. In every category, whether violent crime, white-collar crime, alcohol, or sex offenses, they are arrested at about one-quarter to one-third the rate of whites, who are the next most law-abiding group. It would be a mistake, however, to paint all Asians with the same brush, as different nationalities can have distinctive profiles. For example, 40 percent of the manicurists in the United States are of Vietnamese origin and half the motel rooms in the country are owned by Asian Indians. Chinese (24 percent of all Asians) and Indians (16 percent), are extremely successful, as are Japanese and Koreans. Filipinos (18 percent) are somewhat less so, while the Hmong face considerable difficulties. Hmong earn 30 percent less than the national average, and 60 percent drop out of high school. In the Seattle public schools, 80 percent of Japanese-American students passed Washington state’s standardized math test for 10th-graders—the highest pass rate for any ethnic group. The group with the lowest pass rate—14 percent—was another “Asian/Pacific Islanders” category: Samoans. On the whole, Asians have a well-deserved reputation for high achievement.

I wondered what was going on in neuroscience that might bear upon the subject. This quickly led me to neuroscience’s most extraordinary figure, Edward O. Wilson. Wilson’s own life is a good argument for his thesis, which is that among humans, no less than among racehorses, inbred traits will trump upbringing and environment every time. In its bare outlines his childhood biography reads like a case history for the sort of boy who today winds up as the subject of a tabloid headline: DISSED DORK SNIPERS JOCKS. He was born in Alabama to a farmer’s daughter and a railroad engineer’s son who became an accountant and an alcoholic. His parents separated when Wilson was seven years old, and he was sent off to the Gulf Coast Military Academy. A chaotic childhood was to follow. His father worked for the federal Rural Electrification Administration, which kept reassigning him to different locations, from the Deep South to Washington, D.C., and back again, so that in eleven years Wilson attended fourteen different public schools. He grew up shy and introverted and liked the company only of other loners, preferably those who shared his enthusiasm for collecting insects. For years he was a skinny runt, and then for years after that he was a beanpole. But no matter what ectomorphic shape he took and no matter what school he went to, his life had one great center of gravity: He could be stuck anywhere on God’s green earth and he would always be the smartest person in his class. That remained true after he graduated with a bachelor’s degree and a master’s in biology from the University of Alabama and became a doctoral candidate and then a teacher of biology at Harvard for the next half century. He remained the best in his class every inch of the way. Seething Harvard savant after seething Harvard savant, including one Nobel laureate, has seen his reputation eclipsed by this terribly reserved, terribly polite Alabamian, Edward O. Wilson. Wilson’s field within the discipline of biology was zoology; and within zoology, entomology, the study of insects; and within entomology, myrmecology, the study of ants. Year after year he studied

The perception that middle-aged white men rule the world is based in fact. According to the 2016 census, there are around 24 million people in Australia. Around 11 per cent of them are men between the ages of forty and sixty. There’s no data on white men, but if we take the percentages of people with a U.K. background and third-generation Australians as a very rough guide, somewhere between 8 and 10 per cent of the Australian population are middle-aged white men. Assuming that not all male journalists are middle aged, and taking into account that they’re mostly university graduates, it’s reasonable to assume the vast majority of journalists are between the ages of twenty-five and sixty. Men in that age group are still only 24 per cent of the population and white men of that age are around 18 per cent. Which demonstrates exactly how disproportionate that 70 per cent of credited content in the media really is.

I think it’s interesting to note that courses in business ethics are taught in the best graduate schools of business, which I see as mainstream acceptance of the principle that practicing good ethics is good business. As employers, we are still pretty much on our own as we continue to face daily challenges to our conscience, our integrity, our honesty, and our sense of fair play. Will we provide health insurance to employees, even if the law doesn’t require it? How “creative” will we be in our accounting? Will we carry employees through hard times, or leave them to fend for themselves? As employees, we will still need to find meaning and take pride in our work. Will we serve customers poorly or well? Will we create goods and services with care or carelessly? Will we make our daily labor the expression of the best that is in us, or the worst?

It could produce the most extraordinary consequences, as the life of C. B. Fry demonstrates. The son of a chief accountant at Scotland Yard, he had played in the FA Cup before he left Repton School in 1890 and appeared for Surrey county cricket team in the time between school and university (Oxford, inevitably, and the top scholarship at Wadham College). By the time of his graduation, he had represented the university at cricket, soccer and athletics, tied the world long-jump record at 23 feet 6½ inches, and only missed playing wing three-quarter for the Oxford rugby team because of injury. He managed, in passing, to win a first in classics.

Wage Garnishment Majority of students complete their education with student loan debt. Once you have graduated from college and stepinto the real world, you realize it isn’t as easy as it seemed. Student loan is one of the most difficult loans to repay and it also cannot be discharged into bankruptcy. Thus it has to be repaid!One thing that should always be kept in mind is to never skip your loan payments. If this happens and happens consecutively for months it will open doors to many other problems. It will put your loan in default; your entire loan amount and interest will become due immediately. It will adversely impact your credit score. We discuss Wage Garnishment with The Student Loan Help Center team, let’s see what they said about it. So What is wage garnishment? Wage garnishment happens when your loan is in default (you can consult The Student Loan help center if you want) i.e you have not paid the loan for consecutive 270 days. Now Wage garnishment is one of the legal consequences of going into default. Through this method the government starts deducting 15% of your income. That means you in hand income willreduce with only 85% coming in your bank account. However the amount of wage that can be garnished for private loandiffers from state to state since every state is not allowed to garnish the wages. How to avoid? As discussed before, wage garnishment happens only when your loan is in default. The department of education sends you one letter when you are in default. The best way to avoid this problem is to avoid going to default. There are numerous measures you can adopt right from very beginning to keep your loan repayment on track. For eg, starting to pay interest in your grace period, automating the process of monthly payments to get some discount from bank etc. Now what if you are in default or going in default, then the best option would be to consider forbearance or deferment which will stop your wages from being garnished. How can it be challenged? If you have just received the notice from Department of Education then you are given one opportunity to get a hearing and object to wage garnishment. You can challenge wage garnishment on following grounds: Your income Your employment Procedures followed to start the garnishment etc Also your wage garnishment cannot begin before the notice of 30 days. During this time period you request a hearing garnishment will be put on hold and if 30 days are over garnishment will not stop if you have won the hearing. One of the Best Student Loan consolidation services in USA is The Student Loan Help Center in Florida for all kind of Student Loan consultation you can contact any time.

The military could get by with fewer recruits because more in the ranks reenlisted. The quality of the volunteers turned out to be good, because the services insisted on drug-free high-school graduates with clean criminal records, criteria that ruled out 70 percent of American youth. (There is an unfortunate message in that statistic.) Smarter, tougher, and willing, volunteers trained and worked to their limits.

Residential stability begets a kind of psychological stability, which allows people to invest in their home and social relationships. It begets school stability, which increases the chances that children will excel and graduate. And it begets community stability, which encourages neighbors to form strong bonds and take care of their block.7 But poor families enjoy little of that because they are evicted at such high rates. That low-income families move often is well known. Why they do is a question that has puzzled researchers and policymakers because they have overlooked the frequency of eviction in disadvantaged neighborhoods.8 Between 2009 and 2011, roughly a quarter of all moves undertaken by Milwaukee’s poorest renters were involuntary. Once you account for those dislocations (eviction, landlord foreclosure), low-income households move at a similar rate as everyone else.9 If you study eviction court records in other cities, you arrive at similarly startling numbers. Jackson County, Missouri, which includes half of Kansas City, saw 19 formal evictions a day between 2009 and 2013. New York City courts saw almost 80 nonpayment evictions a day in 2012. That same year, 1 in 9 occupied rental households in Cleveland, and 1 in 14 in Chicago, were summoned to eviction court.10 Instability is not inherent to poverty. Poor families move so much because they are forced to.

In scores of cities all over the United States, when the Communists were simultaneously meeting at their various headquarters on New Year’s Day of 1920, Mr. Palmer’s agents and police and voluntary aides fell upon them—fell upon everybody, in fact, who was in the hall, regardless of whether he was a Communist or not (how could one tell?)—and bundled them off to jail, with or without warrant. Every conceivable bit of evidence—literature, membership lists, books, papers, pictures on the wall, everything—was seized, with or without a search warrant. On this and succeeding nights other Communists and suspected Communists were seized in their homes. Over six thousand men were arrested in all, and thrust summarily behind the bars for days or weeks—often without any chance to learn what was the explicit charge against them. At least one American citizen, not a Communist, was jailed for days through some mistake—probably a confusion of names—and barely escaped deportation. In Detroit, over a hundred men were herded into a bull-pen measuring twenty-four by thirty feet and kept there for a week under conditions which the mayor of the city called intolerable. In Hartford, while the suspects were in jail the authorities took the further precaution of arresting and incarcerating all visitors who came to see them, a friendly call being regarded as prima facie evidence of affiliation with the Communist party. Ultimately a considerable proportion of the prisoners were released for want of sufficient evidence that they were Communists. Ultimately, too, it was divulged that in the whole country-wide raid upon these dangerous men—supposedly armed to the teeth—exactly three pistols were found, and no explosives at all. But at the time the newspapers were full of reports from Mr. Palmer’s office that new evidence of a gigantic plot against the safety of the country had been unearthed; and although the steel strike was failing, the coal strike was failing, and any danger of a socialist régime, to say nothing of a revolution, was daily fading, nevertheless to the great mass of the American people the Bolshevist bogey became more terrifying than ever. Mr. Palmer was in full cry. In public statements he was reminding the twenty million owners of Liberty bonds and the nine million farm-owners and the eleven million owners of savings accounts, that the Reds proposed to take away all they had. He was distributing boilerplate propaganda to the press, containing pictures of horrid-looking Bolsheviks with bristling beards, and asking if such as these should rule over America. Politicians were quoting the suggestion of Guy Empey that the proper implements for dealing with the Reds could be “found in any hardware store,” or proclaiming, “My motto for the Reds is S. O. S.—ship or shoot. I believe we should place them all on a ship of stone, with sails of lead, and that their first stopping-place should be hell.” College graduates were calling for the dismissal of professors suspected of radicalism; school-teachers were being made to sign oaths of allegiance; business men with unorthodox political or economic ideas were learning to hold their tongues if they wanted to hold their jobs. Hysteria had reached its height.

2019 essay David Chalmers notes that when he was in graduate school, there was a saying about philosophers: “One starts as a materialist, then one becomes a dualist, then a panpsychist, and one ends up as an idealist.” Although Chalmers cannot account for where the truism originated, he argues that its logic is more or less intuitive. In the beginning one is impressed by the success of science and its ability to reduce everything to causal mechanisms. Then, once it becomes clear that materialism has not managed to explain consciousness, dualism begins to seem more attractive. Eventually the inelegance of dualism leads one to a greater appreciation for the inscrutability of matter, which leads to the embrace of panpsychism. By taking each of these frameworks to their logical yet unsatisfying conclusions, “one comes to think that there is little reason to believe in anything beyond consciousness and that the physical world is wholly constituted by consciousness.” This is idealism.

reminded Hayes, not for the first time, that there’s no shoe school, no University of Footwear from which we could recruit. We needed to hire people with sharp minds, that was our priority, and accountants and lawyers had at least proved that they could master a difficult subject. And pass a big test. Most had also demonstrated basic competence. When you hired an accountant, you knew he or she could count. When you hired a lawyer, you knew he or she could talk. When you hired a marketing expert, or product developer, what did you know? Nothing. You couldn’t predict what he or she could do, or if he or she could do anything. And the typical business school graduate? He or she didn’t want to start out with a bag selling shoes. Plus, they all had zero experience, so you were simply rolling the dice based on how well they did in an interview. We didn’t have enough margin for error to roll the dice on anyone.

To understand why Mohammed kidnapped the leader of Lebanon, it’s necessary to go back a half century, to 1964. That’s when a young Lebanese accountant named Rafic Hariri decided he couldn’t make enough money at home to support his young family. So he moved to Saudi Arabia, where burgeoning oil wealth was funding roads, hospitals, and hotels, and all sorts of companies were springing up to build them. Saudi Arabia in the 1960s had lots of oil and money but not much to show for it on the ground. The kingdom’s population was smaller than that of London. The royal family was intent on using the kingdom’s oil income to build new infrastructure across the country, but few domestic companies could handle big construction projects. And there were few universities to produce graduates who could run such companies.

THE HORROR OF THE UNPROFESSIONAL I was surprised to learn that when Secretary of Defense Ashton Carter wanted to scold Russia for its campaign of airstrikes in Syria in the fall of 2015, the word he chose to apply was “unprofessional.” Given the magnitude of the provocation, it seemed a little strange—as though he thought there were an International Association of Smartbomb Deployment Executives that might, once alerted by American officials, hold an inquiry into Russia’s behavior and hand down a stern reprimand. On reflection, slighting foes for their lack of professionalism was something of a theme of the Obama years. An Iowa Democrat became notorious in 2014, for example, when he tried to insult an Iowa Republican by calling him “a farmer from Iowa who never went to law school.” Similarly, it was “unprofessionalism” (in the description of Thomas Friedman) that embarrassed the insubordinate Afghan-war General Stanley McChrystal, who made ill-considered remarks about the president to Rolling Stone magazine. And in the summer of 2013, when National Security Agency contractor Edward Snowden exposed his employer’s mass surveillance of email and phone calls, the aspect of his past that his detractors chose to emphasize was … his failure to graduate from high school.14 How could such a no-account person challenge this intensely social-science-oriented administration? But it was public school teachers who made the most obvious target for professional reprimand by the administration. They are, after all, pointedly different from other highly educated professions: Teachers are represented by trade unions, not proper professional associations, and their values of seniority and solidarity conflict with the cult of merit embraced by other professions. For years, the school reform movement has worked to replace or weaken teachers’ unions with remedies like standardized testing, charter schools, and tactical deployment of the cadres of Teach for America, a corps of enthusiastic graduates from highly ranked colleges who take on teaching duties in classrooms across the country after only minimal training.

Team Obama joined the fight against teachers unions from day one: the administration supported charter schools and standardized tests; they gave big grants to Teach for America. In Jonathan Alter’s description of how the administration decided to take on the matter, it is clear that professionalism provided the framework for their thinking. Teachers’ credentials are described as somewhat bogus; they “often bore no relationship to [teachers’] skills in the classroom.” What teachers needed was a more empirical form of certification: they had to be tested and then tested again. Even more offensive to the administration was the way teachers’ unions had resisted certain accountability measures over the years, resulting in a situation “almost unimaginable to professionals in any other part of the economy,” as Alter puts it.15 As it happens, the vast majority of Americans are unprofessional: they are the managed, not the managers. But people whose faith lies in “cream rising to the top” (to repeat Alter’s take on Obama’s credo) tend to disdain those at the bottom. Those who succeed, the doctrine of merit holds, are those who deserve to—who race to the top, who get accepted to “good” colleges and get graduate degrees in the right subjects. Those who don’t sort of deserve their fates. “One of the challenges in our society is that the truth is kind of a disequalizer,” Larry Summers told journalist Ron Suskind during the early days of the Obama administration. “One of the reasons that inequality has probably gone up in our society is that people are being treated closer to the way that they’re supposed to be treated.”16 Remember, as you let that last sentence slide slowly down your throat, that this was a Democrat saying this—a prominent Democrat, a high-ranking cabinet official in the Clinton years and the man standing at the right hand of power in the first Obama administration.* The merit mind-set destroyed not only the possibility of real action against inequality; in some ways it killed off the hopes of the Obama presidency altogether. “From the days of the 2008 Obama transition team offices, it was clear that the Administration was going to be populated with Ivy Leaguers who had cut their teeth, and filled their bank accounts, at McKinsey, Goldman Sachs and Citigroup,” a labor movement official writes me. The President, who was so impressed with his classmates’ intelligence at Harvard and Columbia, gave them the real reins of power, and they used those reins to strangle him and his ambition of being a transformative President. The overwhelming aroma of privilege started at the top and at the beginning.… It reached down deep into the operational levels of government, to the lowest-level political appointees. Our members watched this process unfold in 2009 and 2010, and when it came time to defend the Obama Administration at the polls in 2010, no one showed up. THE

A part war drama, part coming-of-age story, part spiritual pilgrimage, Surviving Hitler, Evading Stalin is the story of a young woman who experienced more hardships before graduating high school than most people do in a lifetime. Yet her heartaches are only half the story; the other half is a story of resilience, of leaving her lifelong home in Germany to find a new home, a new life, and a new love in America. Mildred Schindler Janzen has given us a time capsule of World War II and the years following it, filled with pristinely preserved memories of a bygone era. Ken Gire New York Times bestselling author of All the Gallant Men The memoir of Mildred Schindler Janzen will inform and inspire all who read it. This is a work that pays tribute to the power and resiliency of the human spirit to endure, survive, and overcome in pursuit of the freedom and liberty that all too many take for granted. Kirk Ford, Jr., Professor Emeritus, History Mississippi College Author of OSS and the Yugoslav Resistance, 1943-1945 A compelling first-person account of life in Germany during the rise of Adolph Hitler and the Nazi Party. A well written, true story of a young woman overcoming the odds and rising above the tragedies of loss of family and friends during a savage and brutal war, culminating in her triumph in life through sheer determination and will. A life lesson for us all. Col. Frank Janotta (Retired), Mississippi Army National Guard Mildred Schindler Janzen’s touching memoir is a testimony to God’s power to deliver us from the worst evil that men can devise. The vivid details of Janzen’s amazing life have been lovingly mined and beautifully wrought by Sherye Green into a tender story of love, gratitude, and immeasurable hope. Janzen’s rich, post-war life in Kansas serves as a powerful reminder of the great promise of America. Troy Matthew Carnes, Author of Rasputin’s Legacy and Dudgeons and Daggers World War II was horrific, and we must never forget. Surviving Hitler, Evading Stalin is a must-read that sheds light on the pain the Nazis and then the Russians inflicted on the German Jews and the German people. Mildred Schindler Janzen’s story, of how she and her mother and brother survived the war and of the special document that allowed Mildred to come to America, is compelling. Mildred’s faith sustained her during the war's horrors and being away from her family, as her faith still sustains her today. Surviving Hitler, Evading Stalin is a book worth buying for your library, so we never forget. Cynthia Akagi, Ph.D. Northcentral University I wish all in the world could read Mildred’s story about this loving steel magnolia of a woman who survived life under Hitler’s reign. Mildred never gave up, but with each suffering, grew stronger in God’s strength and eternal hope. Beautifully written, this life story will captivate, encourage, and empower its readers to stretch themselves in life, in love, and with God, regardless of their circumstances. I will certainly recommend this book. Renae Brame, Author of Daily Devotions with Our Beloved, God’s Peaceful Waters Flow, and Snow and the Eternal Hope How utterly inspiring to read the life story of a woman whose every season reflects God’s safe protection and unfailing love. When young Mildred Schindler escaped Nazi Germany, only to have her father taken by Russians and her mother and brother hidden behind Eastern Europe’s Iron Curtain, she courageously found a new life in America. Surviving Hitler, Evading Stalin is her personal witness to God’s guidance and provision at every step of that perilous journey. How refreshing to view a full life from beginning to remarkable end – always validating that nothing is impossible with God. Read this book and you will discover the author’s secret to life: “My story is a declaration that choosing joy and thankfulness over bitterness and anger, even amid difficult circumsta

After graduate students have taken their phd's they must or no account continue with their are PhD work for the remainder of their lives easy and tempting though it is to type up loose ends and wonder down attractive byways.

So we end up populating what we call the intelligentsia with people who are delusional, literally mentally deranged, simply because they never have to pay for the consequences of their actions, repeating modernist slogans stripped of all depth (for instance, they keep using the term “democracy” while encouraging headcutters; democracy is something they read about in graduate studies). In general, when you hear someone invoking abstract modernistic notions, you can assume that they got some education (but not enough, or in the wrong discipline) and have too little accountability.

Ernest Eguasa graduated from the University of Benin with an accounting degree before continuing his education at Lagos Business School, completing their Senior Management Program. He holds multiple financial certificates as well. Mr. Eguasa has over 12 years of experience in financial management and specializes in e-commerce and e-payments for retail and pharmaceutical companies. He is a Green Belt in Lean6Sigma and the CFO for HealthPlus Limited.

Dvir Derhy and his wife live in North Miami Beach where they have been raising their children since 2004. Dvir Derhy graduated with a bachelor's degree from a University in Israel.

American television programs and films account for about three-fourths of the global market. American popular music is equally dominant, while American fads, eating habits, and even clothing are increasingly imitated worldwide. The language of the Internet is English, and an overwhelming proportion of the global computer chatter also originates from America, influencing the content of global conversation. Lastly, America has become a Mecca for those seeking advanced education, with approximately half a million foreign students flocking to the United States, with many of the ablest never returning home. Graduates from American universities are to be found in almost every Cabinet on every continent.

I had graduated from high school the week before and was now a crewmember on a Dutch ship. This was my first job aboard ship and now I found myself heading down the Hudson River, past the Statue of Liberty. There wasn’t much time for sightseeing since the dinner chimes had been rung and the few passengers we had, were coming into the dining room. No one had explained my duties but I watched the other stewards and followed suit. I must have been a fast learner since amazingly enough all went well, and before I knew it the dining room was empty and it was cleanup time. I’m certain that having worked in my uncle’s restaurants helped but I’m glad I survived without any mishaps. I knew that tomorrow would go even smoother now that I understood the routine. When I told my parents that I was going to sea, they didn’t ask any questions and seemed to take it all for granted. Everything happened extremely fast. On the very same day that I was hired, I was on this foreign flagship bound for Le Havre and Rotterdam, without having as much as a passport. Most of the crewmembers that went on strike were left behind for U.S. Immigration to sort out, provided that they could even be rounded up. For me, it was my first seagoing adventure! Being the youngest and newest crewmember on the ship earned me a bunk four tiers up and against the bulkhead, next to the chain locker. You couldn’t get any farther forward, which made me feel that I would be the first to get to where the ship was going. I didn’t take into account that it would also be the first part of the ship that would slam into the sea or anything else that got in the way, but such was the life of a seaman.

It’s a lucrative business. Eastman is a compact, middle-aged guy with a weather-beaten face adorned with a scrap of white beard and mustache. He tops it all off with a cowboy-hat-shaped hard hat. Eastman’s father was in the construction business, and Eastman and his three brothers grew up greasing the trucks. By his own account, Eastman barely graduated from high school. But he took a bunch of night courses to learn things like project estimating, and started his own contracting business in 1994. His company did all kinds of contracting work, including a little beach renourishment, until the real estate market crash in 2006. Eastman realized that he would do better to rely on the steady forces of erosion and the government funding earmarked to fight it than to tie his fortunes to the vicissitudes of the real estate market. “When the market dried up, we reinvented ourselves,” he says. Today Eastman Aggregate Enterprises does nothing but beach nourishment, all over Florida and in neighboring states. Eastman has five of his own trucks and forty-plus people working for him. His company hauls in about $15 million per year.

brown hair, bright brown soulful eyes, and one of those trendy barely beards. He had always appreciated the association with the Savior and would hate to give it up, even if only in his own mind, because of a clashing career choice. The server reappeared with a frosty mug in each hand. “Two Fearless beers.” “We’re going to go with large filets,” Tom said with the satisfaction of a man on an unconstrained expense account. “Medium-rare for mine. And a Caesar salad to start.” “Same here,” Lars said. Carla nodded without taking notes, then disappeared. Tom resumed his pitch while Lars relaxed. “You’re an honors graduate from

Stephanie Lopes, a driven partner and CFO at an accounting firm in NJ has harnessed her financial prowess to guide the company's success since January 2020.

John Michael Vanderhider, the CPA with a heart for Houston and numbers. A proud graduate of Texas A&M, his journey led him to Deloitte as an Audit Senior Manager, mastering oil and gas intricacies.

A withered woman sits in a chair hardly moving, her face red and swollen, her eyesight almost gone, her hearing gone, her breathing scratchy like the rustle of dead leaves on stones. Years pass. There are few visitors. Gradually, the woman gains strength, eats more, loses the heavy lines in her face. She hears voices, music. Vague shadows gather themselves into light and lines and images of tables, chairs, people’s faces. The woman makes excursions from her small house, goes to the market, occasionally visits a friend, drinks tea at cafés in good weather. She takes needles and yarn from the bottom drawer of her dresser and crochets. She smiles when she likes her work. One day her husband, with whitened face, is carried into her house. In hours, his cheeks become pink, he stands stooped over, straightens out, speaks to her. Her house becomes their house. They eat meals together, tell jokes, laugh. They travel through the country, visit friends. Her white hair darkens with brown streaks, her voice resonates with new tones. She goes to a retirement party at the gymnasium, begins teaching history. She loves her students, argues with them after class. She reads during her lunch hour and at night. She meets friends and discusses history and current events. She helps her husband with the accounts at his chemist’s store, walks with him at the foot of the mountains, makes love to him. Her skin becomes soft, her hair long and brown, her breasts firm. She sees her husband for the first time in the library of the university, returns his glances. She attends classes. She graduates from the gymnasium, with her parents and sister crying tears of happiness. She lives at home with her parents, spends hours with her mother walking through the woods by their house, helps with the dishes. She tells stories to her younger sister, is read to at night before bed, grows smaller. She crawls. She nurses.

…[RVA graduates] have been at the forefront of the “global village” phenomenon…But that role has not always come cheaply. Like their peers of one hundred years ago, today’s RVA students have seen poverty and human suffering virtually unimaginable in the West. Many have had to wrestle with the hosts of crises linked to the trauma of social and cultural transitions. Still others have witnessed disillusioning hypocrisy from the words and actions of their missionary parents or teachers. A few have felt the loneliness and anger that they would have felt in their “home cultures” exacerbated by the boarding experience. And thus, having been deeply damaged by their TCK experience, some have floundered for a lifetime, isolated by their unique experiences from the healing experience of faith and friendship. And yet for many, the difficult experiences of poverty, hypocrisy, separation and cross-cultural interaction have produced dynamic and emotionally healthy individuals…Like membership in a family, whether it is healthy or unhealthy, emotional ties to the RVA community last a lifetime; and the individuals who make it up have the potential to understand and support each other in a way that few others can…Those who have chosen to view the atmosphere of isolation negatively have easily found in RVA an ever-shrinking community, where the sense of cultural claustrophobia is only eclipsed by the feeling of forced conformity. When they have recoiled against the perceived legalistic constraints of the community, they have done so within the confines of a relational and intellectual fishbowl. As a result, they have often had to live with a feeling of self-imposed ostracism, merciless gossip and public judgment – without the hope of escape. The reality is that over its one hundred year history as an institution, RVA has permitted the growth of a culture of gossip and has had to endure more than its share of Phariseeism…Yet…over the years, many have viewed that same atmosphere of isolation in a far more positive light. Where some have felt instrusive judgmentalism, others have found accountability and spiritual encouragement. Where some have found a community of life-minded lemmings, others have thrived and grown because of the deep sense of intimacy and mutual understanding… for some the irony is that that healthy experience has made the transition from RVA to their home culture all the more difficult. p213-216

Lawrence Beesley was a 34-year-old science teacher. A Cambridge University graduate, Beesley wrote one of the more considered and authoritative eyewitness accounts of the disaster. The Loss of the SS Titanic, its Story and its Lessons was first published just nine weeks after the disaster. No Titanic collection would be complete without Beesley, and it is for this reason that I have included a major extract. I would like to thank Nicholas Wade, Lawrence Beesley’s grandson, for permission to reproduce this extract. As with many accounts, some of Beesley’s timings are a little off. His estimate of when lifeboat 13 was launched is earlier than the time now accepted.

threw myself into accounting studies and graduated with a 3.6 grade point average, though my marriage

CUBBY ORDERED an express food delivery in the morning.  It cost extra, but he wasn’t worried about money.  His parents had left him well-off.  How well-off he didn’t know, never having inquired into the matter.  Month by month, year by year, a firm of accountants took his money to clubs on Wall Street where investments of easy virtue lounged.  At least that was how Cubby understood it.  It was a kind of escort service for money, though how the escorts reproduced was a mystery to him.  The same accountants handled his insurance, his tax and now his senior security.  His parents had set up the system when he was in college because they wanted him to concentrate on his studies. And Cubby had concentrated.  He graduated summa cum laude at Harvard, achieving a Ph.D. with a dissertation on synchronized flashing in fireflies. (This little-known phenomenon occurs in the mountains of Tennessee.  It is the insect equivalent of a rock concert.  The male fireflies show up around 8:30 p.m., flashing on and off, watching one another to get the tempo right.  The females, hot little groupies that they are, observe from the ground.  By 9 p.m. the males are flashing in unison and the females go wild.)

online certifications, including CFAP (Certified Forensic Accounting Professional), CBFA (Certified Banking Forensic Accountant) and CAME (Certified Anti-money Laundering Expert).

forensic accounting

Apurva’s future plan is ambitious. In 5 years’ time, she plans to have her own institute in forensic accounting. And ultimately go for an IPO.

With barely 6000 forensic accountants practicing in India, a certification would vastly improve the career prospects of MCom graduates.

When I told my parents that I was going to sea, they didn’t ask any questions and seemed to take it all for granted. It was hard for me to believe that I had graduated from High School the week before and was now a crewmember on a Dutch ship. Everything had happened extremely fast. On the very same day that I was hired, without even having a passport, I was on this foreign flagship bound for Le Havre and Rotterdam. This was my first job aboard ship and now I found myself heading down the Hudson River, past the Statue of Liberty. There wasn’t much time for sightseeing since the dinner chimes had been rung and the few passengers we had were coming into the dining room. No one had explained my duties but I watched the other stewards and followed suit. I must have been a fast learner since amazingly enough all went well, and before I knew it the dining room was empty and it was cleanup time. I’m certain that having worked in my uncle’s restaurants helped but I’m glad I survived without any major mishaps. I knew that tomorrow would go even smoother, now that I understood the routine. For me, it was my first seagoing adventure! Being the youngest and newest crewmember on the ship earned me a bunk four tiers up against the bulkhead, next to the chain locker. You couldn’t get any farther forward, which made me feel that I would be the first to get to where the ship was going. I didn’t take into account that it would also be the first part of the ship that would slam into the sea or anything else that got in the way, but such was the life of a novice seaman.

How to become the President of Liberia from “Liberia & Beyond” In 1973, Charles Taylor enrolled as a student at Bentley University, in Waltham, Massachusetts. A year later Taylor became chairman of the Union of Liberian Associations in America, which he founded on July 4, 1974. The mission of ULAA was meant to advance the just causes of Liberians and Liberia at home and abroad. In 1977 Taylor graduated from Bentley University with a Bachelor of Arts degree in economics. Returning to Liberia he supported the violent coup, led by Samuel Doe, and became the Director General of the General Services Agency most likely because of his supposed loyalty. His newly acquired elevated position put him in charge of all the purchases made for the Liberian government. Taylor couldn’t resist the urge of stealing from the till, and in May of 1983, he was found out and fired for embezzling nearly a million dollars in State funds. During this time he transferred his ill-gotten money to a private bank account in the United States. On May 21, 1984, seizing the opportunity, Taylor fled to America where he was soon apprehended and charged with embezzlement by United States Federal Marshals in Somerville, Massachusetts. Taylor was held in the Plymouth, County jail until September 15, 1985, when he escaped with two of his cohorts, by sawing through the steel bars covering a window in his cell. He precariously lowered himself down 20 feet of knotted sheets and then deftly escaped into the nearby woodlands. He most likely had accomplices, since his wife Jewel Taylor conveniently met him with a car, which they then drove to Staten Island in New York City.

Zero Line Spender, Saver, Wealth Creator Your financial personality type determines your financial position in life. Let’s say there is a zero financial line that represents a position where you owe nothing and have nothing. Perhaps you can remember those days getting started on your own. So, let us assume you just graduated from college and you’re one of the lucky few who graduated at the zero line, you owe nothing. Pretty amazing considering that in 2013, the debt on student loans exceeded all credit card debt owed in America. But fortunately, you made it out free and clear to the zero line. You’re a “Spender” so you go to the showroom and pick one out. With your job and the car as collateral, you get a car loan and you drop below the zero line. You lifestyle gets more and more expensive and since you are a ‘Spender” you probably take on credit card debt to help finance your lifestyle desires. You are constantly working your way back to becoming a zero, financially speaking. Then, you get married and now there are two in debt working their way back to zero. Eventually, children come along, and the odds of being able to put away enough money to pay your debt and interest and live on the top side of the zero line are becoming virtually impossible. Unfortunately, many Americans live in this position with little or no chance of ever living debt free. When something comes along that requires their savings, they must deplete their funds in order to avoid paying interest and then they must start saving again for their next expense. They are constantly returning to the zero line. The money they have accumulated is compounding interest, giving them uninterrupted growth. Having access to capital allows them to negotiate more favorable loans by collateralizing against their accounts rather than depleting them. They make payments to the lending institution with dollars from their current cash flow, protecting the growth of the money they have saved and invested for their future. Saving and investing with uninterrupted compounding is an important wealth concept for moving further and further away from the zero line.

Action Steps 1. Audit your current skill set. You have more areas of competence than you think. Throughout your life, you have amassed knowledge and specialized skills in a wide range of disciplines. That knowledge and those skills can prove useful to you in future endeavors. For example, I have a degree in Finance and Investments. Upon graduating from college, I accepted an accounting position with one of the top automakers. I then became a stockbroker. Then, I moved into a career in IT. For the past 20 years, I’ve been a writer in numerous capacities. Along the way, I learned about server management, Wordpress development and search engine optimization. All of these ventures imbued me with skills I use every day - in my business and personal life. Your experience has likewise instilled within you a raft of specialized skills. Many of them will help you to tackle unfamiliar tasks and projects, even if they seem unrelated to your current and previous jobs. 2. Focus on your desired outcomes rather than the things that might go wrong along the way. One of our survival instincts is to plan for things that might go wrong. In some circumstances, that’s a valuable quality that protects us from harm. It prevents us from strolling down dark alleys in unpopulated locales. It discourages us from petting strange dogs. In other circumstances, however, it can hold us back. The instinct prevents us from pursuing opportunities that can lead to improved aptitude as well as personal and professional growth. By focusing on your desire outcomes, you’ll find it easier to ignore your inborn fear of the unknown. You’ll be able to dismiss the voice in your head constantly whispering “What if XYZ happens?” 3. Look for opportunities to learn new skills. The self-confidence you’ll gain will make you less fearful of tackling unfamiliar tasks. Achieving a high level of competency in any discipline requires repeated exposure and application. There’s no other way to attain proficiency. The problem is a lack of courage. It’s normal to feel hesitant, or even intimidated, when we’re given a new responsibility.

Outcome Based Education The first time you read this poem I need you to remember something They do not teach you in school Like Doctor’s, Lawyers, Soldiers, Teachers don’t have an oath, not at all Yet, students aren’t footballs They aren’t The student aren’t born dull or bright Teachers make them that way, a plight Obe comes for rescue to make learning, a delight Yet, is content about Obe too abstract to understand? Is the material about Obe too tough to grasp and comprehend? Do a new way to be adopted to explain and define Obe? Its an easy concept once you agree Outcomes are not scores, averages or grade point Only needs is to look education from a new viewpoint Obe is holistic way of enlightening and empowering learners It is a paradigm shift to make them achievers Obe is what they’ll be able to know and do Skills and knowledge they need to have at debut Course Outcome(CO) is what they’ll know after each course This is the skill they will acquire without any force Program Specific Outcomes(PSO) are specific to program, USPs of department, its hologram What they’ll be able to do at time of graduation accomplishment, achievement, acclamations Program Educational Objectives(PEOs) are the achievements they’ll have in their career Indicates what they’ll achieve and how they perform during first few years Program Outcomes (POs) is what they’ll be able to know and do upon graduation Skills, knowledge and behaviour they’ll acquire, will give their career acceleration. Obe wants all learner to learn and be successful 1 paradigm 2 purpose 3 premises 4 principles 5 Practices of obe makes you accountable ----------------By Dr. Kshitij Shinghal Special thanks to Dr. William Spady and references from his book “ Outcome Based Education: Critical Issues

Outcome Based Education The first time you read this poem I need you to remember something They do not teach you in school Like Doctor’s, Lawyers, Soldiers, Teachers don’t have an oath, not at all Yet, students aren’t footballs They aren’t The student aren’t born dull or bright Teachers make them that way, a plight Obe comes for rescue to make learning, a delight Yet, is content about Obe too abstract to understand? Is the material about Obe too tough to grasp and comprehend? Do a new way to be adopted to explain and define Obe? Its an easy concept once you agree Outcomes are not scores, averages or grade point Only needs is to look education from a new viewpoint Obe is holistic way of enlightening and empowering learners It is a paradigm shift to make them achievers Obe is what they’ll be able to know and do Skills and knowledge they need to have at debut Course Outcome(CO) is what they’ll know after each course This is the skill they will acquire without any force Program Specific Outcomes(PSO) are specific to program, USPs of department, its hologram What they’ll be able to do at time of graduation accomplishment, achievement, acclamations Program Educational Objectives(PEOs) are the achievements they’ll have in their career Indicates what they’ll achieve and how they perform during first few years Program Outcomes (POs) is what they’ll be able to know and do upon graduation Skills, knowledge and behaviour they’ll acquire, will give their career acceleration. Obe wants all learner to learn and be successful 1 paradigm 2 purpose 3 premises 4 principles 5 Practices of obe makes you accountable 1 paradigm what and whether students learn successfully is more important than how and when they learn 2 Purpose maximize condition of success for all students, send fully equipped student into world to make their dreams unfurl 3 Premises All students can succeed and learn maybe not on same day and same way, Success breads success , colleges control condition of success 4 principles clarity of focus on outcomes, expended opportunity to all, high expectation from all, designing curriculum to attain outcome 5 practices define outcome, design curriculum, deliver instruction, document result, determine advancement These are 1 paradigm 2 purpose 3 premises 4 principles 5 Practices for Obe accomplishment ----------------By Dr. Kshitij Shinghal Special thanks to Dr. William Spady and references from his book “ Outcome Based Education: Critical Issues

Joseph Uecker, an auspicious finance and accounting graduate from Fort Myers Beach, FL, has high goals in the business world. An FGCU alum with a passion for numbers, Joseph aspires to thrive in the business industry. A future law student, he plans to return to the Fort Myers area to work in a transactional capacity, with a private enterprise or another local employer .