Tap Your Home Equity For School †With No Payments!

HomeFinanceFinancial aidTap Your Home Equity For School – With No Payments!This page may contain affiliate links.Apr 15, 2019You have some equity in your home and it would be great to be able to use it to pay for your student’s schooling. However, you can’t afford to take out more debt and make more payments. Are you stuck? Not anymore. A new product, called Unison Homeowner, allows you to partner with investors to gain access to cash. You don’t make payments, instead, you share the gain or loss on your home when you sell it. How does it work? Is it too good to be true? Find out below. Who Is Unison And Why Can They Give You Money? Unison is a company that brings together institutional investors – like pension plans or other major investors – and homeowners to help each of them access the funds they need. Because homes generally appreciate over longer periods of time, long-term investors enjoy putting money into them. Unison facilitates that, giving you access to immediate cash. Then, when you sell your home, you and Unison share the appreciation profit. Everyone wins. What if something happens and the home depreciates? In that case, you and Unison share in the depreciation. Everyone loses. However, Unison and the investors behind them are counting on winning with more homes than they lose with, making them a profit overall. How to Apply for Unison Homeowner Unison makes it easy to apply online. You start with a simple prequalification that will not impact your credit score. In less than a minute, you’ll know if you qualify for a full application. With a full application, you’ll give more information and provide needed documentation. Unison will give you an estimate of how much money they can provide in cash. Finally, there’s a home appraisal. An independent appraiser will make a report of your home, and Unison will give you a formal offer. You can receive cash up to 20% of your home’s value, up to $500,000, depending on your circumstances. There is a 3.9% transaction fee deducted from the cash payout that covers all costs, including the appraisal and settlement fees. You can use the money for anything you want – repairs, school, paying down debt, or even just to have cash on hand. What’s the â€Å"Repayment† Process for the Home Equity? With Unison, you aren’t getting a loan. That means there are no monthly payments, no interest, and no debt. Instead, you’re partnering with an investor. Unison is not intended to be a short-term investment, so you need to plan to stay in your home at least three years. They provide you a certain amount of cash at the beginning. When you sell your home, Unison gets the investment back and you and Unison share in the appreciation or loss on your home. Unison can share between 17.5% and 70% of the appreciation or depreciation, but the most common amount is 35%. The amount shared will be clearly stated in the formal offer during the application process. Here’s an example: Your home is valued at $500,000 Unison invests 10% of the value in return for 35% of the appreciation You receive $50,000 in cash, minus a 3.9% fee When you sell your home, you are able to get $575,000 Unison receives their investment of $50,000, plus 35% of the appreciation ($26,250) for a total of $76,250. The remaining $498,750 goes to you (and your lender if you are paying off your mortgage.) What if your home loses value? Here an example for that: Your home is valued at $500,000 Unison invests 10% of the value in return for 35% of the appreciation You receive $50,000 in cash, minus a 3.9% fee When you sell your home, you are able to get $450,000 Unison receives their investment of $50,000, minus 35% of the depreciation ($17,500) for a total of $32,500. The remaining $417,500 goes to you and your mortgage lender. Answering Common Questions Because this is a new way of doing things, there are bound to be a lot of questions. Here are answers to some of the most common concerns about Unison Homeowner. How Can Unison Afford to Lose Money? The investors behind Unison invest in far more than one home. The intention is that on balance, the home portfolio will increase in value more than it decreases in value. Of course, if it does drop for a year or two, the investors lose money during that time. What if I Add to My Home? If you make an addition to your home that creates a significant increase in home equity, you can arrange to keep that value yourself without sharing it with Unison. You simply fill out some paperwork and get a new appraisal to show the official value of the addition (which may be more or less than it cost you to make the upgrade.) Are There Rules? Unison does require that you keep your home in good shape and take normal care of it as any homeowner would. If the home loses significant home equity due to neglect, Unison can file paperwork to not share that depreciation with you. Do I Have to Sell My Home at a Certain Time? Unison is willing to invest in your home for up to 30 years or until everyone who signed the deal passes away. If you sell before 30 years, you share the increase or loss of value. You can also buy out Unison’s investment at any point after three years. If you get to the 30-year mark and do not wish to sell your home, you can instead buy out Unison’s investment. Is Unison Available Nationwide? At the time of this writing, Unison operates in 22 states and the District of Columbia. They are looking to expand as well, however. Is Unison Homeowner Right For You? Only you can make important financial decisions for your family, but Unison Homeowner can be a great option for paying for college. Tapping your home equity while avoiding debt, not having monthly payments, and having confidence that you won’t be forced out of your home are big upsides. If you’re planning on staying in your home for at least three more years, you owe it yourself to at least investigate this option. You can be prequalified in minutes with no impact on your credit. [More information on Unison and their Home Ownership product Getting Down Payment Help Now. Sharing Home’s Gain (or Loss) Later] Paying for college isn’t just about finding the funds, it’s also about finding the right college. Knowing which schools are the most generous in your situation is vital. Check out our toolkit today!

The Prevalence Of Violence On Sports Essay - 2095 Words

Violence and Aggression In Sports Introduction The prevalence of violence in sports is not simply a modern American problem. There has probably never been a society anywhere on earth without some degree of sports-related interpersonal violence. Roman gladiators, many of whom were volunteers, risked death every time they stepped into the arena. The ritual ball games of Aztec and Mayan culture ended in human sacrifice. The chariot races of ancient Constantinople were accompanied by spectator violence that, on one occasion, left 30,000 dead. The brutal and obscene behavior of English â€Å"football hooligans† has become legendary. To explain the apparently universal occurrence of some degree of sports-related violence, we need to look beyond the American military and the modern corporation (Allen). According to Silva (1981), aggressive behavior is an overt verbal or physical act that can psychologically or physically injure another person or oneself. The aggressive behavior must be non-accidental and done with the intent of i njuring the opponent. Aggression can be divided in two different categories according to Buss (1961). Hostile aggression and instrumental aggression are differentiated based on the intention of the aggressor and the primary reinforcement sought by the acts. For individuals engaged in hostile aggression, the primary goal is to inflict injury to another human being; the intent is to make the victim suffer. Individuals engaged in instrumental aggression alsoShow MoreRelatedEssay on Kill the Buzz1250 Words   |  5 PagesFor any crazed sports fanatic there is nothing more exciting than taking your family to see your favorite team play their rivals. What can be better than being in the midst of the biggest rivalry in sports? Of course nothing ruins a good family sporting event like a bunch of out of control intoxicated fans. Alcohol presents nothing but foul language, fights, possible DUI’s and car accidents. The presence of alcohol only puts the public at risk at the expense of giving people entertainment byRead MoreThe Social Context Of Academia1459 Words   |  6 Pagesculture of fraternities, the examination of institutional factors such as campus drinking rate, campus selectivity and cost, ratio of full-time security staff to students, and location in an urban/rural environment is also crucial in predicting the prevalence of campus rape. (Stotzer and MacCartney, 2016) In explaining these factors, Stotzer and McCartney used the theory by Cohen and Felson who proposed that for a crime to take place three elements need to function together: â€Å"a motivated offender, anRead MoreEffects Of Gambling On College Students861 Words   |  4 Pages Gambling is the activity or practice of playing a game of chance for money or other stakes. Activities that are considered gambling are betting on sports and races, lotteries, card games like blackjack and poker, and casino games like slots and roulette. Bingo and raffles are technically gambling, but there are no major concerns about them, so they are not included here. Though gambling is legal within many states, it is does not make it right for people to engage in such activitiesRead MoreEffects Of Gambling On College Students861 Words   |  4 PagesGambling is the activity or practice of playing a game of chance for money or other stakes. Activities that are considered gambling are betting on sports and races, lotteries, card games like blackjack and poker, and casino games like slots and roulette. Bingo and raffles are technically gambling, but there are no major concerns about them, so they are not included here. Though gambling is legal within many states, it is does not make it right for people to engage in such activities. This is especiallyRead More Youth Gangs and Violence In Schools Essay1298 Words   |  6 Pages The theme, which I have decided to research and base my portfolio on, is Youth Gangs and Violence In Schools. The term â€Å"Youth† is defined by the Compact Oxford English Dictionary as the period between childhood and adulthood and is also commonly used as a noun to describe young people. The same dictionary defines a â€Å"Gang† as an organised group of criminals or disorderly young people. Youth gangs are groups of young people who assemble and often engage in criminal and illegal Read MoreEssay On Masculinity972 Words   |  4 PagesLittleton is Missing the Mark By Jackson Kats and Sut Jhally is about finding the cause of violence and relating it to students who dispense harm to society, as well as other students. There is a focus on masculinity, along with behavior and how that behavior is being influenced by the environment. The article focuses on factors such as peer exclusion, the prevalence of violence in the media and most importantly, violence in relation to gender. . In relation to gender, masculinity plays a crucial role inRead MoreHow Your Position On Society Affects Your Education1721 Words   |  7 Pageslimited to some individuals especially those occupying the highest levels of the social classes. The issue of education inequality is not a new problem in the American society for it traces its roots back to the early times of slavery. Besides, the prevalence of racism even in the contemporary society contributes to impacting the attainment of education equally among all people. Consequently, the aspect of social stratification or social class position within the society plays a significant role in affectingRead MoreSocial Integration Of College Students1600 Words   |  7 Pagesactivities increases social integration, at least among fraternities and sororities (Long, 2012). There are many different activities and interests in which campus groups are engaged, spanning from artistic expression (e.g., theater) and sport (e.g., club sports), t o academics and social experiences (e.g., fraternities and sororities) (Dugan, 2013). One nationally-representative study on over 47,000 college students found that roughly 80% of college seniors reported having been involved in at leastRead MoreDrugs And Drugs In Sports1150 Words   |  5 PagesDrugs are harmful to players in highschool and franchises in big time sports. It’s no secret because I am going to tell you why, everything from how they can be harmful to death and how those few games an athlete gets suspended for can cause a championship season. It might seem a little crazy, that is, that some athletes take drugs to help with speed recovery, but they’re very harmful to the body. Even though the drugs help players with recovery, speed, fitness, and strength, drugs are harmful toRead MoreSummary : Manliness 1691 Words   |  7 Pageschildhood experiences that young boys experience in sport is what really begins to separate the boys and the girls (Messner 4). In young boys entering this separation period with other boys, they begin to construct a form of manliness. This manliness persona they’ve constructed by socializing day in and day out with these other boys leads to what political scientists describe as the â€Å"triad of men’s violence†, which can be described as men’s’ violence against themselves, other men, and especially, women

Martin Luther King Jr And Mahatma Gandhi Essay - 1625 Words

Martin Luther King Jr and Mahatma Gandhi on Nonviolence Introduction: Martin Luther King Jr and Mahatma Gandhi are both great exmples and role models of the nonviolent protest from there very different religious backgrounds. Although the two have different religious beliefs, but the fact that they have the same approach to the nonviolent factor that plays a big role in the world still to this day. Martin Luther King Jr. a black male southern Baptis preacher who was from Atlanta who was born in 1929, then years later assassinated on a hotel balcony in 1968 (fisher 367). Mohandas Karamchand Gandhi was born October 2, 1869, in Porbandar and was then later assassinated in 1948. But the inspiration and teachings from both Dr. king Jr. and Gandhi, their lives and spiritual teachings live on in the hearts of millions of people throughout the world today. The things that these two men went through during there lifevtime is incredible and tremendous being that they were the only ones doing what others deemed to be out of â€Å"character† or â€Å"taboo† for most, but for These men they knew what was the right thing to do and the way they lived everyday showed it because they knew that what they was doing was the right thing. Time and time again Dr. King Jr went to jail, and he always kept the same attitude every time he came out and in his letter he wrote â€Å"nonviolent direct action action seeks to create such a crisis and establish such creative tension that a community that hasShow MoreRelatedDr. Martin Luther King Jr And Mahatma Gandhi1560 Words   |  7 PagesMahatma Ghandi once said, â€Å"I object to violence because when it appears to do good, the good is only temporary; the evil it does is permanent.† Although Gandhi is completely against violence, I believe that violence can be justified depending o n the cause of it. If violence is used in the act of defense from an aggressor, then it is acceptable. However, in any other case, violence is unjustified. Looking back in history, several examples can be appreciated where violent paths were chosen. If thoseRead More Passive Resistance as a Powerful Tool for Social and Political Change1503 Words   |  7 Pages As Martin Luther King Jr. and Gandhi, have argued, passive resistance is a noble means to a peaceful end, in which only the followers of a movement risk themselves and bring no harm to those whom they oppose. â€Å"Passive resistance,† according to Mahatma Gandhi, â€Å"is an all sided sword; it can be used anyhow; it blesses him who uses it and him against whom it is used. Without drawing a drop of blood it produces far-reaching results. It never rusts and cannot be stolen.† Martin Luther King Jr. and GandhiRead MoreTolstoys Influence on Notorious Leaders of the World Essay1245 Words   |  5 Pagesother lit erary works in his time, but that only scratches the surface of how and what he did to change the world. Leo Tolstoy changed the world by starting schools which allowed peasants to get an education, influencing leaders like Mahatma Gandhi and Martin Luther King Jr., and changed the world through his writings. Leo Tolstoy was a Russian author who was born September 9, 1828 at Yasnaya Polyana, Russia and died of pneumonia in the winter of 1910. Today Tolstoy is buried at his Yasnaya PolyanaRead MoreNonviolence Movement : Is It Acceptable For People Throughout The World?1150 Words   |  5 Pagesactivists in the history of the world is Mohandas Gandhi, who made a big contribution to Indian’s freedom. He is one of the famous people that my primary school teacher used to talk about. Mohandas Gandhiwas born on October 2, 1869in a merchant caste family inIndia. He studied law in London andwent to South Africain 1893. He spent 20 years there struggling and fighting against the discrimination(Mahatma Gandhi, 2015).Different from the normal hero image, Gandhi looks so vulnerable. It is kind of hard forRead MoreHenry David Thoreau Resistance To Civil Disobedience Analysis1508 Words   |  7 Pagesgovernment that was taking control of people’s rights, motivating his disagreement of sl avery and the Mexican-American war. Mahatma Gandhi, a leader who fought for the Indians independent movement against British. Lastly but not least, Martin Luther King Jr., the leader of the civil rights movement. Within the tree leaders, Henry David Thoreau, Mahatma Gandhi, and Martin Luther King Jr. their connections were all together based on civil disobedience. Henry David Thoreau purpose of writing Resistance toRead MoreMahatma Gandhi, Martin Luther King, and Nelson Mandela1504 Words   |  7 Pagesï » ¿Mahatma Gandhi, Martin Luther King, and Nelson Mandela Non-violence is a concept that people participate in social and political change without violence. It is a form of social and political change between passive acceptances and armed struggle. Non-violence way to participate in the social and political change is including nonviolent civil disobedience against, acts of civil disobedience or other powerful influence uncooperative antagonistic form; it is similar with pacifism, but it is notRead MoreDr. Martin Luther King Jr. Essay1134 Words   |  5 Pageshuman rights race relationships and power. In this paper, I will focus on the themes of racism, human rights, and power and how history makers such as Martin Luther King Jr., Nelson Mandela, and Mahatma Gandhi (just to name these few) helped to redress them to an extent and how theirs efforts shape contemporary events. Dr. Martin Luther King Jr. was born on 15 1929 in Atlanta, Georgia and is one of the most remembered Human Rights Activists in America history. He is remembered for his nonviolentRead MoreThe Influence Of Martin Luther King Jr.1609 Words   |  7 Pages Martin Luther King Jr. was an African-American civil rights activist who lived from 1929 to 1968. He was mostly known for his peaceful protest movements across America, and for his speech ‘I Have a Dream’. Martin Luther King Jr. was also known for his connection to Christianity, and how he used the influence of Jesus Christ throughout his life to lead the people of the activist movement through times of trial and revolution, while relating many of his teachings to the Bible. He made very significantRead MoreMlk vs Ghandi629 Words   |  3 PagesBello Louissaint ENC 1101-20013 Professor Kristen Holt February 26, 2014 The Battle of Two Civil Legends When you hear the names Mahatma Gandhi and Martin Luther King Jr., You think of the men of colored that paved the way for their respective races and nation. Gandhi with his homeland of India from British rule and MLK with the nation of America. Many figures have compared to two but no one has ever attempted to pit these two legends against each other and not in the form of a rap battleRead MoreGandhi s Effect On The World1174 Words   |  5 Pagesmarch which had the Indian independence. Gandhi played a major role in the development of nonviolence and peace activities. Mohandas Karamchand Gandhi was the pre-eminent political and spiritual bellwether of India and the Indian independence movement. He had many adherents, and edified many how to protest placidly, instead of utilizing violence and war. Gandhi is a role model for many people today and is one of the most famous of all nonviolent activists. Gandhi made an immensely colossal impact on

How Sleep Can Help Your Sleep - 1324 Words

Sleep is one of the most important and essential parts of life. Learning why people need sleep can help individuals to understand the benefits of sleep, the effects that come from not getting enough sleep and why one needs to manage one s sleep. These three aspects of sleep can help one to get the adequate amount of sleep needed each night. â€Å"The National Sleep Foundation says that an individual spends one-third of one’s life asleep, and the overall state of one’s sleep health remains an essential question throughout our lifespan†(n.p.). This is a big majority of one’s life spent sleeping and individuals need to know how to sleep correctly so that this time is not wasted. There are many aspects that can affect the way one sleeps which in†¦show more content†¦Since sleep affects one s alertness it is beneficial to get adequate sleep while participating in sports to help avoid injury and be able to play at peak performance. These are just a few of the many benefits sleep has on a person s everyday activities. Sleep deprivation can affect a person s body in many ways both physically and mentally. Many people do not realize how important sleep really is. Just like one’s body needs nutrients to stay healthy one also needs adequate sleep. â€Å"Most of us know that getting a good night’s sleep is important, but too few of us actually make those eight or so hours between the sheets a priority† ( National Sleep Foundation n.p.). This quote shows that one is not often focused on the amount of sleep one gets each night. Days and nights flow together with all the â€Å" to dos† one feels they need to complete in a day and sleep tends to fall on the list of priorities. Depriving one s body of much needed sleep can lead to heart problems, memory problems, weakened immune system and even accidental death. â€Å"While you are sleeping, your body is busy tending to your physical and mental health and getting you ready for another day† (Pietrangelo n.p.). This quote is important because it helps people to understand what really goes on when a person is sleeping. However, a person s body never really rests, the human body works around the clock trying to keep a person healthy. When a person is deprivedShow MoreRelatedHow Much Sleep Is Enough1189 Words   |  5 Pages†¢ How Much Is Enough? †¢ The amount of sleep that a healthy individual needs is largely determined by two factors: genetics and age. Genetics plays a role in both the amount of sleep a person needs, as well as his or her preference for waking up early (these are the so-called larks, or morning-type individuals) or staying up late (these are the owls, or evening-type people). Our internal biological clock, which regulates the cycling of many functions including the sleep/wake cycle, can vary slightlyRead MoreInformative Sleep1721 Words   |  7 PagesTo inform the audience about what sleep is and how it helps the body. Central Idea: That sleep is good for you and you should get your eight hours of it! Introduction: I’m sure everyone likes sleep. Everyone needs sleep to keep the least bit active through out there day. Sleep is an important factor for your body to restore energy. Sleeping is a time to rest your body from all the hard work you have done. It is relaxing so deeply that you lose consciousness of your surroundings. Preview Statement:Read MoreThe Importance Of Sleep Hygiene733 Words   |  3 PagesGood quality sleep can make a big difference in your quality of life. Having healthy sleep habits is often referred to as having good  sleep hygiene, It involves  a variety of different practices and habits that are necessary to have good nighttime sleep quality and full daytime alertness. Why is it important to practice good sleep hygiene? Obtaining healthy sleep is essential for both physical and mental health. It can also improve productivity and overall quality of life. Everyone, from childrenRead MoreThe Effects Of Sleep On Our Bodies904 Words   |  4 Pagesafter a good night of sleep we feel recharged and happier, and if having gone without sleep for a while we may end up cranky and most likely cannot function correctly. But why do we feel better after waking up from a deep slumber and feel worse without sleep? Why do our bodies need to shut down for such a long period of time? Unfortunately scientists are still trying to find this answer themselves. Although through a sufficient amount of research, scientists have found out how sleep greatly impacts ourRead MoreSleep Deprivation Among College Students1146 Words   |  5 PagesTopic: Sleep deprivation among college students. Specific Purpose: To persuade my peers to get a sufficient amount of sleep. Central Idea: Sleep deprivation among college students can lead to poor performance and health problems, so finding ways to sleep more can help improve your sleeping habits. INTRODUCTION Attention-getter: Think of this scenario. It is Thursday night. You have an English paper due the next day at 9:00 in the morning and you have barely even thought about what your topic shouldRead MoreAnnotated Bibliography List : Ted Talk Essay1127 Words   |  5 Pageswatched was Why do we sleep by Russel Foster. This TED talk was about why we need sleep and how getting less than the suggested amount affects the brain. There are three main reasons why we need sleep; restoration, energy conservation, and brain function. Only certain genes are turned on when you sleep so you need to sleep in order for those genes to turn on and allow you other genes to be restored, while sleeping you save about 110 calories, sleep helps enhance creativity, and your brain is less likelyRead MoreSleep Is A Basic Need For Your Child s Body850 Words   |  4 PagesQuality Sleep, Pediatric Sleep is a basic need of every child. Children need more sleep than adults because they are constantly growing and developing. Between nighttime sleep and naps, children should sleep the following amount each day depending on their age: †¢ 0–3 months old: 14–17 hours. †¢ 4–11 months old: 12–15 hours. †¢ 1–2 years old: 11–14 hours. †¢ 3–5 years old: 10–13 hours. †¢ 6–13 years old: 9–11 hours. †¢ 14–17 years: 8–10 hours. Quality sleep is a critical part of your child’sRead MoreEssay on Unit 4222-234 Hsc 2030 Provide Support for Sleep1276 Words   |  6 PagesFOR SLEEP 1.1 Explain how sleep contributes to an individual’s well-being sleep  is essential for our  health and wellbeing. It allows our body to rejuvenate and restore itself. It helps the body to create new cells.  Sleep deprivation  is one of the biggest causes of premature aging. Tiredness can significantly affect your mood and how you feel. Sleep can help lower blood pressure and elevated levels of stress hormones. Your cardiovascular system is constantly under pressure and sleep helps to reduceRead MoreSleep On A Plane Business Travel Life846 Words   |  4 Pagessleeping on an airplane can be challenging. Whether you have a late night flight home or a red-eye to see a client, there is nothing more frustrating than feeling tired and not being able to get comfortable enough to sleep. The good news is that you can increase your chances of falling asleep during your next flight by planning ahead, packing some in-flight sleep essentials, setting up your seat area for sleep, and finding the best sleeping position for yourself. how to sleep on a plane business travelRead MoreBeing Sleep Deprived Is A Person That Is Constantly Tired1325 Words   |  6 PagesThe most obvious signs of someone being sleep deprived is a person that is constantly tired. However, being more drowsy and more prone to falling asleep during the day can put the person at a greater risk to have fatigue related accidents. Therefore, it would be a better and a more safe way to pay attention to the more subtle symptoms of fatigue rather than waiting for someone to start to nod back and forth between consciousness and the dream world. So instead it would prove effective to perform

General Motors ( G. M ) File For Chapter 11 Reorganization

Question 11.8: In 2009, General Motors (G. M) file for Chapter 11 reorganization. â€Å"The entire automotive industry was impacted by a major recession in the US and Western Europe. In 2008, the deterioration of market conditions in these regions saw GM report its lowest per-capita levels of vehicles sales in the previous 50 years. Following the issuance of the bailouts, the United States Department of Treasury required GM to strategically review its brand as well as its dealership network† (Harrison, J. S., et al, 2012). The US government granted $30.1 billion in loans, and received approximately 60% ownership stake in the new company (Harrison, J. S., et al, 2012). Following the review, GM decided that decides they will†¦show more content†¦Ã¢â‚¬Å"Much of qualitative research involves the deliberate preparation of the participant, called preexercises or pretasking. This step is important due to the desire to extract detail and meaning from the participant. A variet y of creative and mental exercises draw participants’ understanding of their own thought processes and ideas to the surface. In qualitative studies, due to the higher level of involvement of both the sponsor and the interviewer/data collector, these parties in the process are often debriefed or interviewed, with their insight adding richness to the interpretation of the data† (Cooper, D. R., Schindler, P. S, 2014, pp. 148, 150). The questions to be formulated to help GM to refocus on their brand and network of dealership would be using Exhibit 7-4 (Cooper, D. R., Schindler, P. S, 2014, p. 151). - Discover the Management Dilemma Sales in most of the establishment are declining. Need to increase sales. - Define Management Question What brands categories pose the best opportunities for sales growth? What degree are the main brands positioned in the market segment for growth? What brands are experiencing decline is sales and requires to be dropped? In what area do we have competitive advantage over competitors? - Define Research Questions Does Brands Chevrolet, Cadillac, Buick and GMC or other brands have the most potential success? - How should the brands be positioned in the market place for best performance? Using the

Ethical Dilemma Declining a Patient Assignment

Question: Describe about the Ethical Dilemma for Declining a Patient Assignment. Answer: Ranging from nursing education, clinical practice, professional experience placements (PEPs) among other levels of practice, challenges have always been available. Among the most prominent problems are ethical dilemmas (Gaji? 2014, p. 36). Since the inception of professional nursing, the times of Florence Nightingale, various documents have been written about ethics. One of them being Nightingales ethical duties of confidentiality, the centrality of satisfying the patients needs and communication. Various research institutions, governmental and non-governmental organisations, universities and authorities have endeavoured to come up with the soundest remedy to this challenge, but conflicts of interest have rendered it hanging in the balance. There are moral and professional values that guide the practice of nursing but the pressures, decisions, and choices that nurses have to make sometimes pose a challenge (Gallagher 2013, pp.615-616). However, there are a lot of these guidelines tha t support the position that a nurse has a right to refuse any patient assignment as long as the reasons are sound and valid (Getting the balance right between patient protection and nurses rights 2008, p.12). Therefore, these scripts can be used by a nurse as the defence when complaints are presented to the Nursing and Midwifery Board of Australia (NMBA) or the director of nursing in the respective States or at a national level (Schoonover-Shoffner 2007, p.180). With evidence-based information, this paper supports the stand that nurses can deny a patient assignment and further explains how the nurse can respond to the director of nursing services or the NMBA in case a complaint is filed. The bottom line is that the legitimacy of the presented reasons determines the ethicality of the nurses decision to refuse a patient allocation. Therefore, the nurse is free to decide whether to accept or deny an allocation provided that the reasons are valid. In Australia, the NMBA code of ethics and standards of practice guides nurses of all cadres just like any other profession. Personally, I think that the provisions in this code allow nurses to deny a patient assignment in necessary circumstances. First off, the guidance framework of this code records that the details mentioned in each standard are insufficient decisions that a nurse can make. Thus, it gives room for unmentioned decisions like refusing a patient allocation. Again, the framework acknowledges that a formula that helps in solving issues of ethics is not provided in any of the standards (Edmonds, Cashin and Heartfield 2016, p.170). The NMBA first value standard calls for nurses to appreciate every person's quality of care. Furthermore, nurses are mandated to question and report any unethical behaviour. Therefore, even suing or forcing a nurse to care for a patient against personal will is unethical and ought to be reported. It is because forced assignment of a patient may make the nurse provide substandard care because of pressure or fear of personal safety. In fact, the patient is at a greater risk being handled by a pressured nurse than a wilful one. For instance, a nurse who has a mindset that he/she cannot handle an Ebola patient may end up messing with basics like the use of personal protective equipment (PPE) and eventually contract the disease (Ghebrehiwet 2012, p.314). The first standard also says that a nurse can deny participating in patient treatment or care if he/she feels that it is against her conscious. Moreover, it is only acceptable if it holds a moral or religious stand of the nurse. In a nutshell, any nurse in Australia can refuse a patient assignment if such stands are violated. It is imperative to note that a persons religion can affect their professional life and this is still within the legal precincts. A Seventh Day Adventist nurse may refuse to attend to patients on Saturdays because it is the Sabbath (Burzo 2014, p.34). In such a case, the law cannot intervene because the freedom of worship is provided for in the bill of rights of Australia (Hunter 2006, p.38). Furthermore, the Watchtower Society and the Christian Science denominations only believe in prayers as the single tool for healing (Longest and Smith 2011, p.850). Therefore, a nurse dedicated to these denominations may not be comfortable in interventions like administratio n of parenteral drugs or surgery, thus refusing to participate in the care. Developing a personal judgement, understanding, and knowledge in any situation is an attribute that every nurse has to embrace according to not only the Australian Nursing Federation (ANF) but also the NMBA, the government department of health and other national and international organisations (Anmf.org.au, 2016). It permits the nurse to make a quality and informed decision of refusing to care for a patient deemed dangerous to self. An example is where a nurse denies caring for a Tb patient because of personally lowered immunity; it is a valid decision. Nonetheless, it is unethical just to dismiss the patient and leave the matter unsettled. The nurse has to explore other options like asking an experienced or willing colleague to handle the case. If this is done, then everybody will be satisfied with the allocation refusal decision. Also, development of the code is permissible in the framework of guidance of the NMBA directives. It means that any event that has been proved beyond a reasonable doubt that it contributes to the development of the nursing profession can be included in the code for continuous professional improvement (Ghebrehiwet 2012, p.314). The second value standard in the NMBA code maintains that nurses have to uphold a sense of personal well-being and it includes a good individual health (Nursingmidwiferyboard.gov.au, 2016). In this regard, the nurse is permitted to decline a patient assignment if the case poses a risk to his/her health. Mostly, the patients problem may become the nurses, for instance, a psychologically unstable person affects the nurse because of empathy. Additionally, a nurse may find an Ebola case too dangerous to handle and refuse to participate. It is not illegal to refuse such cases. Moreover, the standard calls for respect to a colleague's point of view and decision, and I believe this includes the decision to decline a patient allocation. It also emphasizes the need for nurses to appreciate personal respect and kindness as well as that of others. Additionally, in the line of duty, a nurse's personal dignity, and morality has to be upheld (Ghebrehiwet 2012, p.314). By choosing the nursing path in life, one is not ascertained to have ceased being a human. Therefore, he/she is still entitled to the dominant human rights as stipulated in the Australian bill of rights (Hunter 2006, p. 37). In this case, the right to accessing good health care and living in a risk-free environment is considered. Therefore, a nurse is covered by the bill of rights if he/she declines to care for a given patient if a risk to personal health is in place. Diversity has to be embraced, appreciated and respected by nurses as states the NMBA standard value number three (Nursingmidwiferyboard.gov.au, 2016). The diversity includes culture, beliefs, social, economic, political, religious among other attributes. Technically, the standard allows the nurses to decline any allocation if it violates any of the mentioned issues. There are ethical principles that are taught during professional nursing practice and are referred to in various journals. For instance, the principle of autonomy allows people to be self-determined. For example, the meaning of autonomy in the profession of nursing is that there is self-governance and determination of issues. This stand is based on the Online Journal of Issues in Nursing (OJIN) ethical principles (Hunter 2006, p. 37). Additionally, the principle of justice gives room for dispensing care in the fairest way. Therefore, if a nurse feels like the justice is compromised by personal issues, he/she should decline to give the care. It confirms that the nurse has this right. Also, by establishing bodies like the NMBA, the Australian government mandates the nursing profession to regulate its issues and it involves making amendments that improve practice like the safeguarding of nurses' interests (Hunter 2006, p. 37). How a nurse can respond to the NMBA or director of nursing after a complaint. It is inevitable to receive a summon as a result of allegations from various parties in regards to a nurse's decision to decline an assignment of patients. However, there are different ways one can respond to the relevant authorities like the NMBA or the director of nursing. Evidence from credible academic sources and the Australian and international codes of ethics can help exonerate the nurse. In the first place, it is imperative to present the facts of that situation like the patients condition, personal feelings, and the steps undertaken. This way, the panel will have an overview of my decision and probably, I would have triggered their humane side to empathise with me (Anmf.org.au, 2016). I would say that I offered various alternatives before making the decision of declining an allocation. This move conforms to the value standard of quality interventions for the patient. Additionally, the fifth standard mandates nurses always to make decisions that are informed because they will have to give the rationale for it. My decision to seek help from colleagues for a patient whom I deem had jeopardized my life is a noble act from a professional that requires applauding rather than filing a complaint. A case in point is where I have been allocated excess patients in the ICU, and I may be feeling exhausted, I would only deny the allocation. Furthermore, this is sparing the patients from an exhausted nurse who would underperform by only worsening their situation (Gallagher 2009, p. 828). Additionally, the ANF gives the standard ratio of a nurse to patients in Australia. In a regular medical or surgical ward, one nurse has to care for four patients, and in an emergency department, a nurse needs to have a maximum of three patients (Anmf.org.au, 2016). Therefore, if I am allocated more than the required number of patients, it is a right for me to decline that duty. There are other problems that are beyond a single nurses control like the insufficient number of nurses and hospital equipment in Australia (Anmf.org.au, 2016). Such problems lead to overworking, exhaustion and even poor motivation of the nurses. It would be only human for the panel to consider a complaint based on such claims as having no legal grounds. In South Australia, nurses declined to care for patients who had a second-trimester abortion because of a conscientious value. These are details recorded by the Australian Journal of Obstetric, Gynaecological and Neonatal Nursing (JOGNN). I would remind them that my case is not the first one in existence and the rationale is what matters and not the weight of the case as the complainant may have put it. Furthermore, insisting on the outcome of the South Australian case as a valid and legal action by the nurses would elicit some sense of reality for the panel. Comparing my scenario with this situation gives me a right to exercise declining a patient allocation because it is the same body that defended the South Australian nurses (Friedrich 2014, p. 1958). The right of registered nurses in regards declining an assignment of a patient has been reiterated in the American Nurses Association (ANA) position statement. It states that in writing, a nurse can reject, accept or object a patient allocation that he/she is put at a serious risk as well as the patient (Porter 2013, p. 33). Relating to the NMBA code, there is an allowance for involving other international professional guidelines like the International Council of Nurses (ICN) in regulating personal practice (Gallagher 2009, p. 828). Pursuant to the provision, I made the decision to decline the patient allocation because it was posing a risk to my health and probably could affect my family, friends, and even colleagues. Okeefe and Kushelew, (2016) state that some American nurses working for the World Health organisation (WHO) refused to go to West Africa when there was an Ebola outbreak in 2014 because they felt it would endanger their entire lives. Nobody sued them for rejecting their purported duty. I would ask the panel to consider such a case and religiously determine their verdict. Moreover, Okeefe and Kushelew suggest three questions that have to be deliberated before making a final decision. Consider if there was a nurse-patient relationship, if the nurse gave a notice and if the employer could be able to reassign the task. I would confirm that all these factors existed in my case. By confirming these, it means that there were alternative solutions like reassignment and the complaints were just presented anyway (Friedrich 2014, p. 1958). There are endeavours by various authorities to undermine the practice of nursing, and many people have contributed to this fact. It is imperative for the panel to note that people will manipulate any lawful activities to frustrate a nurses effort. For example, the Nebraskan for Humane Care was an amendment that was suggested in Nebraska, the United States. It was proposing that a patient's food, medication, and water would not be withdrawn even when she/he was having terminal illness. However, there was evidence supporting the normal practice of withdrawing these factors. If it would have been passed, then ICU nurses in Nebraska could be oppressed and probably be sued for unfair reasons (VA Nebraska-Western Iowa Health Care System 2008, p.184). The panel should recall that every person blames the nurse for not doing their duty and probably suggest that if they would have rejected the task, the better. In similar terms, the complainants may have taken advantage of some clauses in the NMBA guidelines as their basis of the argument, which is totally out of the equation. The sixth value standard states that nurses should value a culture of safety in practice. Here, it considers both the patient and the nurse (While 2011, p. 258). For this reason, I made the refusal decision because of feeling a threat to my health. If it is on the cultural basis, then I would still refuse to take part. Furthermore, it was not only my safety but also that of my friends, family, colleagues and even other people that I may interact with. It is only natural for me to care for other people (Nursingworld.org, 2016). Lastly, nursing institutions teach their learners on such a matter. The Royal College of Nursing in the UK provides various rationales that warrant a nurses refusal of a patient assignment (The Royal College of Nursing, 2016). They include a risk to or existence of any form of violence, an area that a nurse has not specialised in, an unlawful activity like abortion, a personally known patient and following ones conscience. Again, I would say that I was taught this at my university. The NMBA ascertains these institutions, therefore, it is absurd if they prosecute the content of the curriculum. Additionally, the lecturers are qualified enough and most probably are experienced in the nursing field (Learn.ana-nursingknowledge.org, 2016). It cannot be that they teach us the wrong professional requirements. In conclusion, it is right for a nurse to refuse an allocation of a patient because of legitimate reasons. They can defend themselves using the NMBA code of ethics and standards of practice. The value standards range from the first one up to the sixth, and they all can be explained to support the nurse's position. They include dispensing quality health care to everyone, the respect and value of diversity, making informed decisions, and valuing kindness and respect for self and others. Aside from the NMBA, other bodies like ANA, ANF, ICN, and journals have evidence that supports this position. For instance, ANF provides the ratios of the nurse to patients as one to three and one to four in a regular medical-surgical ward and an emergency department. Additionally, authorities like the State of Nebraska have endeavoured to demean nursing. Also, cases of patient allocation refusal exist, for instance, the South Australian nurses who refused to care for second-trimester abortion patients. Also, religious affiliations like the SDA and Christian Science can make a nurse decline the patient assignment, and they are valid. Reference List Anmf.org.au. (2016).Australian Nursing Midwifery Federation. [online] Available at: https://anmf.org.au/news/entry/nurse-and-midwife-patient-ratios-to-become-law [Accessed 1 Oct. 2016]. Burzo, E. (2014). Book Reviews: Stefan Hschele, Interchurch, and Interfaith Relations. Seventh-day Adventist Statements and Documents.Review of Ecumenical Studies Sibiu, 6(2). Edmonds, L., Cashin, A. and Heartfield, M. (2016). Comparison of Australian specialty nurse standards with registered nurse standards.Int Nurs Rev, 63(2), pp.162-179. Friedrich, M. (2014). Ebola Outbreak in West Africa.JAMA, 311(19), p.1958. Gaji?, V. (2014). Ethical dilemmas in nursing practice / Eti?ke dileme u sestrinskoj praksi.SZNJ, 1(1), p.36. Gallagher, A. (2009). International Council of Nurses 24th Quadrennial Conference, Durban, South Africa, 27 June -- 4 July 2009.Nursing Ethics, 16(6), pp.827-829. Gallagher, A. (2013). Values for contemporary nursing practice: Waving or drowning?.Nursing Ethics, 20(6), pp.615-616. Getting the balance right between patient protection and nurses rights. (2008).Nursing Standard, 23(6), pp.12-13. Ghebrehiwet, T. (2012). Reflections on nursing ethics.Nursing Ethics, 19(3), pp.313-315. Hunter, P. (2006). Bill of rights [digital rights management].Engineering Technology, 1(8), pp.36-40. Learn.ana-nursingknowledge.org. (2016).Nursing Knowledge Center. [online] Available at: https://learn.ana-nursingknowledge.org/ [Accessed 1 Oct. 2016]. Longest, K., and Smith, C. (2011). Conflicting or Compatible: Beliefs About Religion and Science Among Emerging Adults in the United States1.Sociological Forum, 26(4), pp.846-869. Nursingmidwiferyboard.gov.au. (2016).Nursing and Midwifery Board of Australia - Professional Codes Guidelines. [online] Available at: https://www.nursingmidwiferyboard.gov.au/Codes-Guidelines-Statements.aspx [Accessed 4 Oct. 2016]. Nursingworld.org. (2016).Patient Safety: Rights of Registered Nurses When Considering a Patient Assignment. [online] Available at: https://nursingworld.org/rnrightsps [Accessed 1 Oct. 2016]. O'Keefe, E. and Kushelew, I. (2016). Asserting credibility and capability: professional practice standards in Australia.Journal of Aesthetic Nursing, 5(2), pp.89-93. Porter, R. (2013). The American Nurses Association Code of Ethics.Journal of the Dermatology Nurses Association, 5(1), pp.31-34. Schoonover-Shoffner, K. (2007). Thinking Through Ethical Dilemmas.Journal of Christian Nursing, 24(4), p.180. The Royal College of Nursing. (2016).Refusal to treat | Advice Guides | Royal College of Nursing. [online] Available at: https://www.rcn.org.uk/get-help/rcn-advice/refusal-to-treat [Accessed 1 Oct. 2016]. VA Nebraska-Western Iowa Health Care System. (2008).Bariatric Nursing and Surgical Patient Care, 3(3), pp.183-187. While A. (2011). Nurses with special interests.British Journal of Community Nursing, 16(5), pp.258-258.

Making Life Changes Essay Example For Students

Making Life Changes Essay Victor E. Franklin once said, When we are no longer able to change a situation-we are challenged to change ourselves. I knew exactly what he meant when my life changed forever and there was nothing I could do. Since the moment my parents decided to move, my life took a whole new direction. The turning point of my life, moving from Mexico to the United States, brought many changes that I could not escape. As I recall those moments when I knew that I could not change what was happening, I knew that it was time for me to adjust to the new life that I had ahead of me. The hardest thing that I ever had to do was to move away and let go of all my beloved family and those who I had known all of my life. Although I was going to be with my parents and siblings, I was devastated because I knew that I would I not be able to see them any longer. It was not easy to leave behind my early childhood friends. It was sad to know that all those memories that I once shared with them would soon fade away. It was time for me to start living the new life that was ahead; I had to move on and make new friends. Experiencing new places, new people, and a new language, I had to adjust to a whole new life. It was not easy , going to school every day without knowing what my teachers and classmates were saying. Because I did not understand the content of my homework, I struggled every day when I did my homework. Even on TV, I had trouble understanding what the cartoons were about and what they were saying. Although learning a new language was difficult, I was capable of learning new things. In no time, I had mastered the language, and I was doing well in school. Being used to the food in Mexico, I was very picky with the foo that was served here. I was not used to eating pizza and hamburgers; I wanted the homemade food that my mother always prepared for us. the money was very different. As a young girl, I would always get ripped off by people in the store or my classmates. My parents would get mad at me because I would come home with the wrong change or because I had not eaten in school because I had my money taken away by my classmates. When the time came for holidays, I was very confused because the customs very different. I never thought that even the way we celebrate Christmas would change. Although many changes came along, I adapted to the new life that was given to me. I found great truth in what Victor E. Franklin once said. Because I had no power in making my own decisions as a young girl, I could not do anything to change the future. I was challenged to change myself and everything in my life. Although change is never easy, I find myself happy that this happened.