... an effort to make money on the interest rates and various fees that can be charged. Since the early 1990's, banks have upped the credit limit on customer's cards by more than a third, and sent out another three billion offers in 1997 alone (Dollars and Sense). The new targets for these credit card companies are the low-income household families. While only 20% of poor families had a credit card in 1983, 40% did in 1995. Their balances were higher than ever, exceeding $1,300 on average in 1995, up $700 from 1983. The reason these credit card companies are focusing on the low-income people is that once they are in debt ...

... effect (due to relationships) in companies which are in corporate groups known as keiretsu. These conditions were characteristic of the past. As the benefits of debt are well known in finance theory (tax shields, signaling etc.), the lack of independence and efficiency in decision making borne by Japanese managers seem to be the costs. The result for some firms has been a reduction in debt levels to those more resembling U.S. companies. The questions now have become: What is the optimal debt level for a Japanese firm? Should firms still be taking advantage of the benefits of their keiretsu relationship tha ...

... year at its turn” (Droste-Hulshoff, 1). Throughout this poem, she uses the year to represent a period of time that is coming to an end. Referring to the introduction in the World Reader, Droste-Hulshoff was a woman “yearning for the freedom to be herself” (Caws, 2002). This forces the reader to consider that she is using the time period of the year as the time of women’s oppression. She feels that the time of the oppression is coming to an end. “I wait in stern silence, O deep night! Is there an open eye?” (Droste-Hulshoff 5-7) is one example of how she considers the era of w ...

... is the perception of such light. Radiating from a primary source and reflecting off opaque surfaces, rays are filtered through the eye end interpreted by the mind. The human species is vastly dependent on this process: although provided with five senses, the brain gathers well over halt its external information through the eyes. On a spiritual level, however, is endowed with much greater significance. Buddha implored us to seek 'inner light"; Jesus Christ crowned himself "the light of the world"; Ancient Egyptians abandoned mere metaphor and literally worshipped the sun. Is light a profound substance, as previousl ...

... The creation of the U.S. . . . was not to preserve old cultures but to forge a new, American culture." (Schlesinger 22). In the 20th century, the melting pot is not working, and the whole idea is under attack (Evans 76). The United States has changed from a melting pot to a vast culture with varying backgrounds. In years before, America was a collection of Chinese, Germans, Italians, Scots, Croats, etc., all craving freedom. Today, even the simple concept of an English-speaking nation is fading off the continent. In the old days, immigrants were taught in English in the public schools. (76). In ...

... Many people would argue that the issues being presented now are not as interesting or captivating as the older issues. However, after watching an old episode and a new episode, most people agree that the emotions displayed by the guests in the newer shows are more visible, with actions such as onstage yelling and fighting. The general emotional content of the episodes has changed from sadness to anger. From a psychological standpoint, there are many influences that cause extreme anger to be displayed by the guests on "talk shows". Imagine being a guest on the Jerry Springer show, as you walk onto the stage you see ...

... them one of yours, as none needs a smile so much as he who has no more to give." -- based on the writings of Rabbi Samson Raphael Hirsch A smile is such a precious thing. So often used that we take it for granted. Look around; smiles are everywhere. From the most depressing depths of poverty to the fenced in lives of the wealthy, we all find something to smile about. A smile helps us display our feelings to the world. Feelings of love, joy, or just pure uncensored laughter; all put on display with a smile. The darkest of days; brightened by a simple "flexing" of seventeen muscle in the mouth. ...

... the sign of the ram are very frank and honest. They are likely to be strong, tough, and optimistic. Aries people are inclined to go right to the point, even if it means being blunt. Cancer the Crab (June 22 to July 23) The Cancerian has many moods and changing emotions. The life-of-the-party will be a Cancer-with a keen sense of humour. Sensitive feelings and crankiness are also characteristic. You'll often find the Cancerian on the water-swimming, water-skiing, etc. Capricorn the Goat (December 22 to January 20) The goat is a climber, striving to get to the top. A quietly ambitious person, the average Capricorn c ...

... If someone wants to enter in your personal world, your may first feel angry and irritated. Then, you realize that you have lost something that seems to be important and have a lonely feeling. There are many different kinds of such as cultural, behavior, and interests. From my pervious experience, my personal territory involves my own interest. I love computers a lot and I sees the computer room as one of my in which others are not allowed to take away from me. ¡§That¡¦s mine¡¨; I always have this feeling. Once after and argument with my brother, he tried to do some tricks on it so that I was not able to ...

... and has important consequences for them. For example some activities may help to develop muscles and concentration while others may help develop social skills and to act towards each other. Aggression is something that is present in most children’s play in different levels. There are a number of definitions of aggression. Psychologists refer to, hostile aggression, which is aggression that is intended to hurt someone or damage something. It can be verbal or physical or both. Instrumental aggression refers to behaviour that uses aggression to achieve a particular goal and is not used for the purpose of hurting ...