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Thursday, June 11, 2020

Exile In All The Pretty Horses - Literature Essay Samples

Edward Said creates a paradox in his statement that exile is both an â€Å"unhealable rift† and a â€Å"potent, even enriching experience†. While paradoxical, these statements hold undeniable truths about the human experience. In the novel All The Pretty Horses, Cormac McCarthy demonstrates this concept in the telling of the life of the main protagonist, John Grady Cole. John, an impressionable 16 year old, experiences exile in numerous ways, both mentally and physically, and each experience molds him as a person. Through his exiles, John learns the importance of loyalty and the role of fate. The novel begins with an immediate example of exile. John is being pushed from his homeland, a small ranch in Texas. He has seemingly been left behind by all those that he cares about, as his grandfather has just died and his parents are divorced. This exile forces him to run from his home, in search of another ranch, to the mysterious Mexican countryside. Being exiled from his family creates a huge rift between them and John, something that cannot and is not fixed even in the resolution of the novel. Exile from one’s family is something that one wouldn’t wish on another, yet it occurred to John for no reason other than that’s just how his life was meant to pan out. While it may not seem like it, this exile is the start of a long chain of events that ultimately end up enriching John’s life in ways he cannot imagine. On his journey towards a new ranch, John experiences a sort of exile from the world around him. John values the classic western lifestyle, the cowboy way of life, that was once prevalent across the country. Yet, his world is changing. The novel is set right on the edge of transitioning into industrialism and big business. This scares John, pressuring him even more to chase the idea of a ranch to call his own. As he and his friend Rawlins make their way into Mexico, the duo pick up a third traveler named Blevins. They all experience hardships, with Blevins losing both his horse and his pistol. These are later found in a small town, where Rawlins and John are chased from after attempting to steal the horse back. Another small exile. John and Rawlins eventually ride up to a ranch, one that is ideal to John. They find work here and are praised for their wonderful skills with horse. John is in love with Alejandra, the daughter of the ranch owner. Everything is seemingly going very well fo r the two young men, until they get arrested for associating with Blevins. They are brought to a holding cell, where they discover the extent of what Blevins has done (he’s murdered those responsible for stealing his horse). Convinced that John and Rawlins are guilty by association their captor, The Captain, sends them to a prison. This exiles both John and Rawlins from the outside world, yet being in the prison teaches them a lot of lessons about trust and that in some cases, extreme measures must be taken. John is attacked while in prison and to protect himself, he must murder the attacker. John is able to do such a task because of the mental exile he has experienced from the rest of the world. He doesn’t have any family, he’s abandoned them, and he’s already in prison, so what more can happen to him. He has emotionally exiled himself to harden himself. This type of exile is more relevant to an unhealable rift, as emotionless connections cannot be fixed once broken. John and Rawlins are eventually bought out of the prison system by Alejandra’s grandma, on the condition that John never see Alejandra again. Rawlins immediately takes a bus back to America, but John chooses to s tay in Mexico in hopes of continuing to see Alejandra. He moves from one type of exile to another, from physical exile in the prison to emotional exile from Alejandra. Although John tries, Alejandra refuses to go against the wishes of her father and grandmother, giving him the final sign of exile from her. Defeated, John decides to return to America. When he arrives, he realizes that there is nothing in America for him. The novel ends with John essentially being exiled from the country, as he feels that he doesn’t belong here at all. This is the ultimate exile, the feeling of not belonging anywhere and not having any kind of purpose. This type of exile creates an unhealable rift in oneself, as it can cause extreme self-hate and depression. It can also be quite enriching, offering endless possibilities for the future. Exile in All The Pretty Horses is an excellent storytelling technique, and Said’s interpretations of exile are very easily applied to this novel. The growth of John Grady depends entirely on his experiences of being exiled, and he definitely would not have been the man he was at the end of the novel had he not experienced both the unhealable and the enriching aspects of exile.

Friday, June 5, 2020

8 Tips for Preparing Your Child for the Financial Realities of College

We all know that college is expensive. These days private school will run you an average of $30,094 per year, according to the College Board, while public school costs $8,893 for in-state students and $22,203 for out-of-staters. Weï ¿ ½re also aware that the effects of these exorbitant costs can last for years. Outstanding student loan debt is now well over $1 trillion, and large balances are preventing many Millennials from moving on with their lives ï ¿ ½ buying homes, starting families, etc. As a result, itï ¿ ½s important for parents to be proactive in preparing their progeny for the financial realities of higher education. The question, obviously, is how. Hopefully the following tips will help you reach a suitable answer to that very important question. 1. Compound Interest is Your Best Friend The best gift you can give your child is a well-funded college savings plan early in life. The more money you can contribute early, the more interest will be able to work for you. For example, if you deposit $5,000 into a 529 plan that will offer an average of 4% interest over the next 18 years and then make $100 contributions each month after your childï ¿ ½s birth, youï ¿ ½ll have roughly $41,000 when your child turns 18. Getting the grandparents to supplement your contributions will enable you to supercharge your education fund growth as well. 2. Consider a Move State schools are not created equal and establishing residency is not easy. Itï ¿ ½s therefore extremely important that you take the cost of in-state tuition as well as the quality of state schools into account when deciding where to live. California is one great option, with five institutions in the top 11 of US Newsï ¿ ½ Best Public School list. The District of Columbia is another strategic choice, given that residents are able to obtain in-state status at any public university in the country. 3. Make Your Child An Authorized User Credit card companies donï ¿ ½t generally have a minimum age for authorized users, so itï ¿ ½s definitely worthwhile to set your child up early. You donï ¿ ½t have to give them a card to actually use, but putting their name on your account will give them a head-start in credit building. This will pay dividends not only when it comes time to get a student credit card, but also in terms of insurance premiums, buying a car, renting an apartment, etc. 4. Turn Saving into a Bonding Experience You can teach your child about the benefits of saving by making the process interactive. For example, you could encourage them to save their allowance over time to buy a relatively big-ticket item theyï ¿ ½ve had their eye on for a while. Or, you could include your kids in the process of saving for a vacation, for example. 5. Stress the Importance of Saying No So much of both personal finance and parenting is about weighing costs and benefits and ultimately saying no to many things. Teaching your kids that they canï ¿ ½t have every toy or buy into every fad will be lessons that last a lifetime. 6. Start with a Prepaid Card When it comes time to start your childï ¿ ½s financial literacy lessons in earnest, itï ¿ ½s best to use a prepaid card. Prepaid cards are great for this purpose for a number of reasons. For starters, you canï ¿ ½t rack up a bunch of charges you canï ¿ ½t pay for, unlike with a credit card. You also canï ¿ ½t bounce checks or overdraw your account, making it more difficult to get a checking account down the road. Furthermore, prepaid cards offer online account maintenance, enabling you to review your childï ¿ ½s spending habits with them and, in turn, provide valuable lessons. They also have enough different fees to test your childï ¿ ½s financial conscientiousness. 7. Progress Through Cash to a Checking Account After your child gets the hang of prepaid card use, the next best step is progressing to an all-cash allowance and requiring that they begin to foot the bill for some of their own discretionary expenses. This will test their ability to budget as well as their capability in keeping track of paper money. After they master cash, it will be time to open a checking account in their name and make contributions at longer intervals while tasking them with paying for even more of their expenses. By doing so, you can challenge your childï ¿ ½s budgeting skills even more as well as see if theyï ¿ ½re able to avoid bounced checks and account overdrafts. 8. Introduce Credit Before They Leave the Nest: You donï ¿ ½t want to wait until move-in day to hand over emergency plastic. Thatï ¿ ½s a recipe for having your child treat the dorm to a pizza party. Rather, itï ¿ ½s best to apply for a student credit card as soon as your child is issued their university email address (needed for application). You can then use the interim to make sure your child isnï ¿ ½t over-swiping or underpaying. Odysseas Papadimitriou is the CEO of the personal finance websites CardHub and WalletHub. He previously worked as a senior director at Capital One. Interested in submitting a guest post? Learn more here. We all know that college is expensive. These days private school will run you an average of $30,094 per year, according to the College Board, while public school costs $8,893 for in-state students and $22,203 for out-of-staters. Weï ¿ ½re also aware that the effects of these exorbitant costs can last for years. Outstanding student loan debt is now well over $1 trillion, and large balances are preventing many Millennials from moving on with their lives ï ¿ ½ buying homes, starting families, etc. As a result, itï ¿ ½s important for parents to be proactive in preparing their progeny for the financial realities of higher education. The question, obviously, is how. Hopefully the following tips will help you reach a suitable answer to that very important question. 1. Compound Interest is Your Best Friend The best gift you can give your child is a well-funded college savings plan early in life. The more money you can contribute early, the more interest will be able to work for you. For example, if you deposit $5,000 into a 529 plan that will offer an average of 4% interest over the next 18 years and then make $100 contributions each month after your childï ¿ ½s birth, youï ¿ ½ll have roughly $41,000 when your child turns 18. Getting the grandparents to supplement your contributions will enable you to supercharge your education fund growth as well. 2. Consider a Move State schools are not created equal and establishing residency is not easy. Itï ¿ ½s therefore extremely important that you take the cost of in-state tuition as well as the quality of state schools into account when deciding where to live. California is one great option, with five institutions in the top 11 of US Newsï ¿ ½ Best Public School list. The District of Columbia is another strategic choice, given that residents are able to obtain in-state status at any public university in the country. 3. Make Your Child An Authorized User Credit card companies donï ¿ ½t generally have a minimum age for authorized users, so itï ¿ ½s definitely worthwhile to set your child up early. You donï ¿ ½t have to give them a card to actually use, but putting their name on your account will give them a head-start in credit building. This will pay dividends not only when it comes time to get a student credit card, but also in terms of insurance premiums, buying a car, renting an apartment, etc. 4. Turn Saving into a Bonding Experience You can teach your child about the benefits of saving by making the process interactive. For example, you could encourage them to save their allowance over time to buy a relatively big-ticket item theyï ¿ ½ve had their eye on for a while. Or, you could include your kids in the process of saving for a vacation, for example. 5. Stress the Importance of Saying No So much of both personal finance and parenting is about weighing costs and benefits and ultimately saying no to many things. Teaching your kids that they canï ¿ ½t have every toy or buy into every fad will be lessons that last a lifetime. 6. Start with a Prepaid Card When it comes time to start your childï ¿ ½s financial literacy lessons in earnest, itï ¿ ½s best to use a prepaid card. Prepaid cards are great for this purpose for a number of reasons. For starters, you canï ¿ ½t rack up a bunch of charges you canï ¿ ½t pay for, unlike with a credit card. You also canï ¿ ½t bounce checks or overdraw your account, making it more difficult to get a checking account down the road. Furthermore, prepaid cards offer online account maintenance, enabling you to review your childï ¿ ½s spending habits with them and, in turn, provide valuable lessons. They also have enough different fees to test your childï ¿ ½s financial conscientiousness. 7. Progress Through Cash to a Checking Account After your child gets the hang of prepaid card use, the next best step is progressing to an all-cash allowance and requiring that they begin to foot the bill for some of their own discretionary expenses. This will test their ability to budget as well as their capability in keeping track of paper money. After they master cash, it will be time to open a checking account in their name and make contributions at longer intervals while tasking them with paying for even more of their expenses. By doing so, you can challenge your childï ¿ ½s budgeting skills even more as well as see if theyï ¿ ½re able to avoid bounced checks and account overdrafts. 8. Introduce Credit Before They Leave the Nest: You donï ¿ ½t want to wait until move-in day to hand over emergency plastic. Thatï ¿ ½s a recipe for having your child treat the dorm to a pizza party. Rather, itï ¿ ½s best to apply for a student credit card as soon as your child is issued their university email address (needed for application). You can then use the interim to make sure your child isnï ¿ ½t over-swiping or underpaying. Odysseas Papadimitriou is the CEO of the personal finance websites CardHub and WalletHub. He previously worked as a senior director at Capital One. Interested in submitting a guest post? Learn more here.