Free Essay

Abortion Notes

In:

Submitted By jodieleann
Words 3201
Pages 13
Everydayfeminism.com/2013/01/why-no-government-funding-for-abortions-actually-means-no-choice-for-low-income-women/
Why ‘No Government Funding for Abortion’ Actually Means No Choice For Low-Income Women
Imagine this – you’re poor and pregnant. Maybe you’re unemployed, having been laid off from your previous job and struggling to pay rent.
Maybe you already have three kids to take care of and you cannot afford a fourth.
Or maybe you’re still in high school, know nothing about raising a child and don’t know where to turn for help.
You know that you can’t afford this baby — you’ve weighed all possible options and the money just aren’t there. You’re barely making it as it as.
And so you decide that the only responsible option is to get an abortion. Given how much you make, it seems expensive, but you also know that it will be much cheaper than raising another child.
So you begin the planning process. You do some research to find out much an abortion costs in your state.
You currently receive federal and state Medicaid so you wonder if your health insurance will cover abortions as well. And then you learn that it’s prohibited, due to the Hyde Amendment, a regulation that restricts all federal funding for funding in Medicaid except in cases of rape and incest.
The Hyde Amendment is not a permanent law. It is a “rider” that, in various forms, has been routinely attached to annual appropriations bills since 1976 (just 3 years after Roe versus Wade). That means every year, it can get repealed. But due to the dominant “no public funding for abortions” mantra, every year it gets approved.
Having had no luck with the federal government, you check on your state Medicaid. If you’re fortunate enough to live in one of the fifteen states where abortion services are covered by Medicaid, then you may have just found the help you need — that is, if you meet the federal poverty guidelines and are eligible to receive assistance.
In the meantime, you’re trying to scrounge together funds—skimping on food, asking close friends for a loan, selling things.
And the procedure is not the only cost. You also need to find money to cover travel expenses, especially if you live in a state that has only one abortion provider and you live 200 miles away from it.
And if you don’t want to go alone and want someone there to support you (as many women do), you’ll have to just hope a family member or friend is able to afford the travel costs as well.
To make matters worse, while you’re busy worrying how it’s all going to work out , the timeframe in which you can legally obtain an abortion is closing, the cost of the abortion is rising, and the risk of complications is increasing.
So what now? What do you do if you’ve scrimped, saved and sold all your things but still can’t afford to have an abortion?
This is a question that 200,000 women in America face every year. Today, women who have an abortion are more likely to have incomes below the federal poverty line ($18,530 for a family of three). In 2008, 42% of women seeking an abortion had incomes below the federal poverty line.
If they’re lucky, they get referred to an organization like National Network of Abortion Funds (NNAF), which “works to make sure that all women and girls can get the abortions they seek.”
If they don’t know about NNAF and can’t find other means to obtain an abortion, these women — forced to raise a child they can’t provide for — too often end up sinking deeper into poverty.
It’s time we repeal the Hyde Amendment so there’s federal funding for Medicaid to cover abortion in order to ensure that low-income women have the ability to control their own lives and plan for their families just like women who have more well-off.
Unfortunately, this reality may not be well understood or known to the pro-choice people who don’t believe the government should intervene to ensure ALL women have access to abortion services if needed.
While they are, of course, free to have their opinion, let’s explore these objections in hopes of persuading them to join us in fighting for public funding for abortion services.

http://www.womenscenter.com/abortion_reasons.html
Unexpected Pregnancy
There are numerous reasons why women find themselves with an unwanted pregnancy and want to have an abortion. There have been several recent surveys done in the US that showed certain characteristics regarding patients who have abortions performed:
20% were age 19 or younger and 57% were in their twenties. 72% had never been married, and 59% had at least one child. A little more than 60% were below the federal poverty line, including 30% who were living in poverty. More than half of the patients had attended college or received a college degree. 31% of respondents were black, and 19% were Hispanic. 61% were less than 9 weeks gestation.
The most common underlying reasons for abortion were 1) they could not afford a child at the time and were unmarried (42%), 2) it would interfere with their education (38%), 3) it would interfere with their employment (38%), and 4) they were students or planning to enroll in studies (34%). Other reasons are having relationship problems, not ready for another child, or don’t want people to know they had sex or got pregnant, the health of the fetus, victim of rape, or became pregnant as result of incest.
88% or more of abortions take place in the first trimester (12 weeks or less from the last menstrual period), when a fetus cannot exist independently of the mother. The fetus is attached to the uterine wall by the placenta and umbilical cord. The fetus is totally dependent on the health and life of the woman. If detached from the uterine wall, the fetus will not live outside the mother’s womb, and therefore cannot be a separate entity.
There is no disputing that human life occurs at conception, but fertilized eggs used for in-vitro fertilization are also human lives and those not implanted are routinely thrown away. A human being is not a citizen or has rights until it achieves personhood. Personhood is achieved only after the fetus is born. When personhood is reached and a life is taken, it is called murder. Is it murder to throw away fertilized eggs? If not, then how could abortion be murder?
Adoption is not an alternative to abortion, because it remains the woman's choice whether or not to give her child up for adoption. Only very few women who give birth choose to give their child up for adoption. Less than 3% of white, unmarried women and less than 2% of black unmarried women choose giving their child up for adoption. Women think that it is more of a sin to give their full born child up for adoption than to have an abortion.
Abortion is a frequently occurring and safe medical procedure performed in the United States. 88% of women who have an abortion do so in the first trimester. Abortions performed in the first trimester (medically or surgically) without complication do not affect a woman's health or future ability to become pregnant or give birth.
The violent acts of rape and incest cause women to become pregnant on a daily basis. Not many people, with the exception of a few conservative extremists, would argue that this causes tremendous psychological harm to the victim. Women are often in denial, too afraid to speak up or unaware they are pregnant. They may not know that the morning after pill (Emergency Contraception) is available to reduce the incidence of becoming pregnant by 65 to 85%.
Abortion is not used as a form of contraception. Pregnancy can occur even with responsible contraceptive use. Only 8% of women who have abortions do not use any form of birth control. Non-use is greatest among those who are young, poor, black, Hispanic or less educated.
The ability of a woman to have control of her body is critical to equal protection rights. Women have to be able to maintain control of their bodies. It should not be that a foreign body (pregnancy) without personhood should have rights over the woman’s choice. Take away a woman’s reproductive choice you must ask just where the power of the government controlling women’s rights will end? If the government can force a woman to continue a pregnancy, will they then try to force her to use contraception or undergo sterilization?
Taxpayer dollars are used to enable poor women to access the same medical services as women who can afford to pay for their own services or who have medical insurance. Abortion is part of family planning and should be funded by our government. All family planning services should be available to all women. In turn, this will decrease the number of unwanted pregnancies in this country by a minimum of 500,000 pregnancies per year.
Over 750,000 teenagers become pregnant every year. 80% of those end in abortion. Teenage mothers who keep their pregnancy face grim prospects for their future. They are likely to leave school, receive inadequate prenatal care, rely on public assistance to raise a child, develop health problems, or end up divorced.
Facing the decision about how to handle an unwanted or unexpected pregnancy is one of the most difficult situations a woman may ever have to face. There are ethical, moral, social, financial, familial, religious and age issues patients have to consider when considering abortion. There is no doubt that this decision creates stress. The American Psychological Association found that stress was greatest prior to an abortion, and that there was no evidence of post-abortion syndrome. http://www.womenscenter.com/abortion_stats.html ABORTION FACTS AROUND THE WORLD: * 1/3 of all pregnancies worldwide are unplanned * Approximately 25% of the world population lives in countries with highly restrictive abortion laws, mostly in Asia, Africa and Latin America * One woman dies every 7 minutes around the world due to an unsafe illegal abortion. Women who undergo illegal abortions are those who are very poor and do not have access to family planning facilities for education and prevention of unwanted pregnancies * Making abortion illegal or legal has no effect on the total number of abortions performed in the world. Making abortion legal dramatically reduces maternal morbidity and mortality. * Nearly 50% of pregnancies that occur yearly are unwanted with nearly ½ of those pregnant women terminating their pregnancy. In essence; 42 million choose to terminate their pregnancy with close to half of those (20 million) being illegal.
Common complications from unsafe abortions are cervical tears, retained pregnancy tissue, severe heavy bleeding, sepsis, uterine perforation, bladder and bowel damage, which can lead to maternal death if patients are not treated in a timely matter. Death may also result from such complications as gas gangrene of the uterus and acute renal failure. The patient can become permanently disabled due to stroke, or septic clots that form in the upper or lower extremities that lead to the necessity for removal. If a patient develops a severe infection it can lead to tubo-ovarian abscess, pelvic inflammatory disease (PID) which may result in a high incidence of infertility and ectopic pregnancy.
Between 10 and 50% of unsafe abortion cases need medical attention but a lot of women delay or decide not to seek medical care. This is because in a lot of countries where it is illegal to have abortions performed, the women who go to the hospital for help will be reported to the local law authorities and are subject to arrest and spending time in jail. The medical staff often refuses to help and will even harass women about their botched abortion. 600,000 maternal deaths occur each year. Seventy thousand (70,000) of those maternal deaths are from the complications of unsafe abortion which represents 12 to 13% percent of maternal deaths. Prior to 1966, Rumania allowed abortions to take place and as a result, maintained a very low maternal death rate. From 1966 to 1989 abortions were made illegal and the maternal mortality rate increased over 10 times compared to the remainder of Europe.
When performed by qualified Physicians and medical personnel appropriately trained about the medical and surgical abortion techniques, it is a relatively safe and necessary procedure. In the United States, for example, the death rate for abortion is currently 0.6 per 100 000 procedures, making it as safe or safer than receiving an injection of penicillin.
FACTS ABOUT ABORTION IN THE UNITED STATES
Incidence of Abortion
Nearly half of all pregnancies among American women are unintended, and 4 in 10 of these are terminated by abortion. 22% of all pregnancies end in abortion.
40% of pregnancies among white women, 69% among blacks and 54% among Hispanics are unintended.
In 2005, 1.21 million abortions were performed, down from 1.31 million in 2000. More than 45 million legal abortions were performed from 1973 through 2005.
Each year, about 2% of women aged 15-44 have an abortion; 47% of them have had at least one previous abortion.
At least half of all American women will face an unintended pregnancy by age 45 and, at current rates; about one-third will have had an abortion.
Over 88% of abortions occur in the first 12 weeks of pregnancy. Over half of all abortions in the U.S. occur within the first 8 weeks of pregnancy. 6.7% occur between 13 and 15 weeks, 3.5% occur between 16 and 20 weeks, and 1.1% of abortions occur at 21 weeks or greater.
Today, the number of abortions has declined from a peak of 29.3 per 1000 women aged 15-44 in 1979 to 19.4 per thousand. It has only slowly dropped over the last several years because poor women have not had access to Family Planning Facilities for education and prevention of pregnancy through effective birth control measures.
Who Has Abortions?
Fifty percent of U.S. women obtaining abortion are younger than 25: Women aged 20-24 obtain 33% of all abortions, and teenagers obtain 17%.
37% of abortions occur with black women, 34% with non-Hispanic white women, 22% to Hispanic women and 8% to women of other races.
Women who obtain abortion represent every religious affiliation. 43% of women obtaining abortion identify themselves as Protestant, and 27% as Catholic; and 13% of abortion patients describe themselves as born-again or Evangelical Christians.
Most women receiving abortion (83%) are unmarried. Women who have never married obtain two-thirds of all abortions. 16% are separated, divorced, or widowed. Married women are significantly less likely than unmarried women to resolve unintended pregnancies through abortion. About 60% of abortions are obtained by women who have one or more child.
The abortion rate among women living below the federal poverty level ($9,570.) is per women (below 100% of poverty) is nearly four times that of women above 200% of poverty (112 vs. 29 per 1000 women).
The decision to have an abortion is never simple. The reasons women provide for having an abortion underscores their understanding of the responsibilities of parenthood and family life. Three-fourths of women cite concerns for or responsibility to other individuals; three-fourths say that having a baby would interfere with work, school or the ability to care for dependents; and half say they do not want to be a single parent or are having problems with their husband or partner. Lack of money ranks very high. Many feel the responsible course of action is to wait until their situation is more suited to child rearing; 66% plan to have children when they are older and financially able to provide for a child and/or in a supportive relationship with a partner so their children can have two parents. Others wanted to get pregnant and developed serious medical problems, learned that the fetus had severe abnormalities, or experienced some other personal crisis. Each year, about 13,000 women have abortions because they became pregnant as a result of rape or incest.
Only 1% of women say they have been forced or pressured into having an abortion. There are some women who do not want to continue their pregnancy but are pressured to do so by family members, friends, or fear of social stigma. Pre-abortion counseling is designed to determine whether a woman is fully comfortable with her abortion decision, and if she is not, she is encouraged to wait until she has had a chance to consider her options more fully.
Most women do not later regret their decision to terminate their pregnancy. Relief is the most common emotional response following abortion, and psychological distress appears to be felt the greatest before, rather than after, an abortion.
There are undoubtedly some women who, in hindsight, wish that they had made a different choice and the majority would prefer never to have become pregnant when the circumstances were not right for them. When a wanted pregnancy is ended (for medical reasons) women may experience a sense of loss and grief. As with any major change or decision involving loss, a crisis later in life sometimes leads to a temporary resurfacing of sad feelings surrounding the abortion. Women at risk for post-abortion adjustment are those who do not get the support they need, or whose abortion decisions are actively opposed by people who are close to them.
Contraceptive Use
54% of women having abortions had used a contraceptive method (usually the condom or the pill) during the month they became pregnant. Among those women, 76% of pill users and 49% of condom users report having used their method inconsistently, while 13% of pill users and 14% of condom users report correct use. There is no contraceptive method that can prevent pregnancy 100% of the time.
46% percent of women who have abortion had not used a contraceptive method during the month they became pregnant. Of these women, 33% had perceived themselves to be at low risk for pregnancy, 32% had concerns about contraceptive methods, 26% had unexpected sex and 1% had been forced to have sex.
8% of women who have abortion have never used a method of birth control; non-use is greatest among those who are young, poor, black, Hispanic or less educated.
About half of unintended pregnancies occur among the 11% of women who are at risk for unintended pregnancy but are not using contraceptives. Most of these women have practiced contraception in the past.
Most women who have an abortion have not had one previously (52%) or only one previous abortion (26%). If women used abortion as their primary method of birth control, they would be getting pregnant 2 or 3 times a year. With nearly 30 years of possibly becoming pregnant abortion can’t be used as any woman’s primary source of birth control. There is also a very high likelihood of having one or two unintended pregnancies over a thirty year period of time.

Similar Documents

Premium Essay

Something Borrowed Malcolm Gladwell Analysis

...Those notes can only be sequenced so many times before they are repeated by a new musician and called “original”. Intellectual property has been protected in the courts systems, but has favored personal interest over creativity and borrowing. In the case of Weber vs. Repp for example, Repp was claiming to be the owner of the copied Catholic folk music stolen to create music by Weber. With help from a lawyer, it is proven that Weber wrote a song previous to the music and songs by Repp. It was demonstrated that Weber wrote a song, Repp wrote another song sounding similar, and then Weber wrote the song in question. This showing that Weber borrowed from himself and Repp borrowed from him. The musical notes played in the same sequence were copied by both composers and therefore the courts dismissed the case, musical notes are not owned by any one composer. It does not matter what you copy but how much you choose to take. The idea behind Gladwell’s argument is that borrowing some to be creative is and needs to be acceptable in the eyes of “plagiarism...

Words: 1296 - Pages: 6

Free Essay

Narrative

...to harmonize, considering it was our first year learning an instrument. There was no reading or writing when it came to playing the instruments, but with music, a story can be made. For example, half the class would play our recorders in sync with one another, and other students in the class would play percussion. With the rhythm of the music combined, the feel and sound of the music gives the audience a feel of a different environment, such as feeling as though you are taking a journey through an Indian village, or celebrating the first fourth of July in America. As I progressed through the year, music classes turned into singing as well. In order to know the words that we were singing, we had paperback music, which had music lines, notes, and words for us to...

Words: 1172 - Pages: 5

Free Essay

Integrity

...through the paper. Halfway through the paper, I saw my friend John suspiciously looking at the class. My instincts told me that something was wrong. As a result, I began to keep an eye on John. Suddenly, I saw John taking notes out from his pencil case! My mouth hung wide open and I gasped in shock. How could John do that! I thought should I report him? The devil in my mind said that I should not care about this thing after all, he is still my best friend while the angel said that I should be honest and report him. After thinking for a while, I decided to report him. I raised my hand and told the teacher “ Mr Tan, John is cheating by using notes from his pencil case.” The teacher nodded his head and walked towards John’s table. Mr Tan said “John! Why are you cheating?” John shook his head to deny that he did not cheat. Mr Tan confiscated his pencil case and dumped the contents out. Out came pencils, erasers and pens. But there was no notes inside! John let out a smirk from his mouth. I was shocked! I thought that there was a note? Just when I thought all hope was lost, Mr Tan found another zip at the pencil case and he opened it. Suddenly, John’s smirk began to vanish. Waves of panic overwhelmed him. The hidden note was found there! Mr Tan looked at John sternly. He brought John to the principal’s office to explain what had happened. On the next day, the fiery-tempered Discipline Master caned John during assembly period. After this incident...

Words: 333 - Pages: 2

Premium Essay

Note Taking

...Improving Your Note Taking ▪ Effective note taking is one of the keys to succeeding in school. Students should devote a considerable amount of time reviewing information discussed during classroom lectures. It is very difficult remembering specific details from classroom lectures without good notes. These note taking strategies will help you to take better notes: ▪ Make clear and accurate notes Make sure to take legible and accurate notes since it is not uncommon to forget key details discussed in class after it has ended. Frequently, students comprehend the teacher's lecture, so they'll neglect to jot down specific details only to forget them later. Students who keep accurate notes can review them later to fully grasp key concepts during personal study time. Additionally, since during classroom lectures teachers frequently cover many topics, effective notes enable students to concentrate on specific topics. ▪ Come to class prepared Students properly prepared for class usually take better notes. Proper preparation includes completing assigned reading prior to class and reviewing notes from previous lectures. Students who do this can ask questions about confusing concepts and be prepared for new topics. ▪ Compare your notes To ensure your notes are as accurate and detailed as possible, compare them with the notes of other students after class is over. This is useful because your colleagues will frequently write down lecture details that you...

Words: 602 - Pages: 3

Free Essay

Michael Meets Mozart

...Side Notes: • I came up with a killer Mozart-style arrangement involving several songs by modern artists. But I ran into a roadblock with getting permissions. So I decided to do variations on a theme by making my arrangement an original tune. Helpful Hints: • Learn the hardest parts first with the correct fingering. Instead of using a slower tempo to practice longer sections, try using the actual tempo to practice overlapping shorts sections (as small as 2 notes...hands alone if needed). • For those who have heard the recording or seen the video on • When I practice, it helps me to realize that it takes up to 300 YouTube, Steven Sharp Nelson laid down over 100 tracks, including (perfect) reps before muscle memory kicks-in. cello textures never before known possible. Every single sound on the video was made using only the instruments shown: piano, cello, • I like to imagine totally soft and relaxed hand muscles as I play... think "soft hand" when approaching hard sections. mouth percussion and kick drum. Of course we put in additional cool effects. For example the U2-style delay on Steve's pizz at the • For a two-minute-edit version, start at measure 109 beginning. (two-minute-edit minus track available at jonschmidt.com). • A recording of the orchestration only (minus piano) is available at jonschmidt.com. This is very fun for live performances with a monitor speaker next to you on stage so you can hear the parts well. Michael meets Mozart = 91 chills up copyright...

Words: 622 - Pages: 3

Free Essay

Note Taking Assignment

...Dean Helton Note-Taking Assignment 1. Why did you choose Cornell, Outline, or Visual Map? I chose the visual map way of taking my notes this morning at church. I have actuallynever taken my notes that way before, but I really enjoyed it. I am a kinesthetic learner and seeing maps and graphs help me understand things a lot better than just simple notes. I was nervous at first to take my notes this way but I very quickly got the hang of it. After the sermon it was much easier for me to look over my notes and understand what the message and sub nots were pointing out. I will now take all of my sermon notes this way. 2. What did you like about the style of note taking you chose? I enjoyed using this style for many reasons. One of the main reasons was because it gave me the opportunity to listen more to the sermon wrather than focusing on writing down the notes that we were given. It also was a huge help to me after when I was looking over the notes. It gave me a clearer picture of what the sermon was about. 3. What did you dislike about the style of note taking you chose? I think the only thing I disliked about it is that it is almost like an outline,a nd if you are not careful you could miss an important long point that need sto be recorded just for the sake of making your picture graph look good. I added a few take away points at the bottom of my notes that I felt like I needed to add so that I could better understand the over all message. 4. How do you plan...

Words: 380 - Pages: 2

Free Essay

Adsfmct

...Symbols Facebook Symbols for Status Everyone fancy a cool status update decorated with facebook symbols. People always wonder how their friends got symbols for status when they add hearts, music notes , stars and other signs into their status. Actually its not difficult. Follow my steps and you will learn how to add facebook symbols for status. Before you start decoration your status updates with symbols, take a look at complete list of all facebook symbols. These are Unicode text characters that you can put into your status. Just use your imagination and creativity and you will come up with nice ideas. Take these symbols and combine them to create status decoration where you can add your ‘text update’. Most common facebook symbols people use for decoration are heart symbol, star symbol, math signs and music notes. Here we have got the most comprehensive list of facebook status symbols. Just copy and paste them in your status. ๑۩۞۩๑ Type your status message!! ๑۩۞۩๑ ๑۩๑ Type your status message!! ๑۩๑ ▂ ▃ ▅ ▆ █ Type your status message █ ▆ ▅ ▃ ▂ ★·.·´¯`·.·★ facebook symbols for status ★·.·´¯`·.·★ ..♩.¸¸♬´¯`♬.¸¸¤ Type your status message here o ¤¸¸.♬´¯`♬¸¸.♩.. ¤♥¤Oº°‘¨☜♥☞¤ symbols for facebook status ¤☜♥☞¨‘°ºO¤♥¤ ♬ •♩ ·.·´¯`·.·♭•♪ This is musical notes ♪ •♭·.·´¯`·.·♩ •♬ »——(¯` Type your status message here ´¯)——» ¸.·’★¸.·’★*·~-.¸-(★ facebook symbols ★)-,.-~*¸.·’★¸.·’★ •(♥).•*´¨`*•♥•(★) Type your status message here (★)•♥•*´¨`*•.(♥)• O...

Words: 579 - Pages: 3

Free Essay

Exam

...discussions.  No warning will be given to you and the invigilator will make a note of your name and update the Program Manager. You are not allowed to leave the examination hall till you finish your examination. You are required to switch off your mobiles always. |Course |Date |Time |Duration |Type of Exam |Comments | |Principles of Management |Wednesday |10.30 am - 12.30 pm |2 hours |Closed Book/Closed notes |Multiple choice ( 50 min) | | |4th Feb, | | |Laptops not allowed |Descriptive(1 hr 10 min) | | |2009 | | |Internet not allowed |Write with pen no scribbling | | | | | | |Mobile phones are not allowed in the class | |Organisational Behaviour |Wednesday |2.30 - 4.00 pm |90 min |Open Book/Open Notes | ...

Words: 284 - Pages: 2

Free Essay

Cfa Test Experience

...CFA2 、 3 级考生请绕道。 二、作者背景 1. 学历:低于北京 TP 二校的理工科本科 2. 复习时间: 2 个月左右的脱产复习 3. 复习方式:在南京某知名高校内与两名 candidate 一起复习 4. 复习遍数:大概 notes2.5 遍。习题 3 遍 5. 考试成绩:除 alternative investment B ,其余 A 6. 考试用时:上午 1 小时 20 分钟,下午 1 小时 30 分钟 三、正文 3.1 复习资料、习题 a) Schweser Notes 5 本(课本部分) 5 星推荐必看 b) Schweser Notes 5 本(习题部分) 5 星推荐必做 c) 某机构中文翻译(广告位招租) 5 星推荐必购 d) 官方 Reading (课本部分) 负 5 星推荐(学术型人才推荐) e) 官方 Reading (习题部分) 6 星推荐必做 f) 近两年官方 mock (俗称模拟题) 5 星推荐必做 g) 近两年官方 sample (俗称样题) 6 星推荐必做 h) 某机构百题预测(广告位招租) 4 星推荐选作 i) N otes 练习(也就是 6 、 7 两本) 1 星推荐蛋疼者做之 j) 官方 道德手册 3 星推荐选看 k) 辅导班视频(广告位招租) 3 星推荐选看 l) 老婆一只 自己看着办吧 m) 辅导班(广告位招租) 本 3.5 没上 n) 其他 本 3.5 没看 3.1.1 阅读资料 说到考试资料,那官方的 Reading 就是纯 TM 扯淡,如果在今年能够收到电子版的情况下,还去花着 N 百刀买那自己用着都心疼的铜版纸教材,绝对是烧包的表现,一来不 支 持低碳生活,二来过于支持 CFA 的宗旨 —— 骗钱第一,考试第二。 在官网注册完,直奔万能的 Taobao ,在搜索栏 baidu 一下 “ CFA Notes ” 你就能看到 一 个真正的完全竞争市场。具体书的颜色每年不一样,但要用的是哪本,哥们你懂的。 同时某些机构的中文翻译教材,绝对是上佳之选,不要和我 zhuangbility 说兄弟你的 英文能力多么销魂,就是再 TM 销魂,你告诉我什么是 qualified 和 unqualified ,如果告诉 我是 “ 合格 ” 和 “ 不合格 ” 的,本 3.5 告诉你, S+B 离你已经不是太远了。 此外有许多朋友会推荐官方的道德手册(网购 notes 的时候一般会送你),这个问题 下 一章节会提及。 作为补充,辅导班的 “ 免费 ” 视频同样是可以用来借鉴的, 3000 多块钱白给,不要 白 不要。 另外某机构的百题预测也是可以用来把玩的,相当于在最后,对知识点做一个大致 的 温习,不过里面有些题目的答案并不完全正确,当然已经通读 notes 的你肯定能够判断出 的。 3.1.2 习题 大家经常会烦恼要做哪些题,要么说 notes 题少而简单,要么问书后的问答题到底要 不要做。本 3.5 郑重的告诉你,官方 Reading 后面的习题是一定要做的,无论选择还是问 答,因为其中有些干脆就会在考试中重现,比如在看定量分析( quantitative )的时候,你 会发现,为什么书中大篇幅出现的 T-value 和 F-value 的题目数量和只有一句话提及的 P- value 一样多的时候,作者已经内牛满面的在告诉你要考什么了。有人问 Reading 这么厚, 自习时候拿着多烦躁, 3.5 偷偷地告诉你, Reading...

Words: 1170 - Pages: 5

Free Essay

Note Taking

...TAKING LECTURE NOTES I. There are many reasons for taking lecture notes. A. Making yourself take notes forces you to listen carefully and test your understanding of the material. B. When you are reviewing, notes provide a gauge to what is important in the text. C. Personal notes are usually easier to remember than the text. D. The writing down of important points helps you to remember then even before you have studied the material formally. II. Instructors usually give clues to what is important to take down. Some of the more common clues are: A. Material written on the blackboard. B. Repetition C. Emphasis 1. Emphasis can be judged by tone of voice and gesture. 2. Emphasis can be judged by the amount of time the instructor spends on points and the number of examples he or she uses. D. Word signals (e.g. "There are two points of view on . . . " "The third reason is . . . " " In conclusion . . . ") E. Summaries given at the end of class. F. Reviews given at the beginning of class. III. Each student should develop his or her own method of taking notes, but most students find the following suggestions helpful: A. Make your notes brief. 1. Never use a sentence where you can use a phrase. Never use a phrase where you can use a word. 2. Use abbreviations and symbols, but be consistent. B. Put most notes in your own words. However, the following should be noted exactly: 1. Formulas 2. Definitions 3. Specific facts C. Use outline form and/or...

Words: 1031 - Pages: 5

Free Essay

Three Strategies That I Will Apply in My Personal and Academic Life, the Impact, and the Effectiveness

...remember when the email was sent or who sent it. Since reading this chapter, I have started to save specific email information as word documents grouped under different folders. This has proven to be effective for linking related topics in the respective folders which makes locating the information quicker. In my academic life, I will first note the topic to be studied and pay greater attention to the learning objectives. This would then make it easier to skim through the chapter and specifically note the more important material and review that first as well as to research any related topics by using other resources. The chapter also noted the importance of paying attention to any information in bold type and any illustrations. This strategy would greatly increase my knowledge of the topic and improve note-taking. It would also assist in remembering the useful information. Therefore, this would be effective for review and preparation for exams as well as being in an overall position to utilize and apply the new information whenever possible. 2. The ‘Write it down’ strategy The chapter noted that writing a note helps you to...

Words: 728 - Pages: 3

Free Essay

Tvm with Bonds

...Michael Sherman Ph1 IP TVM with Bonds FINC390-1240B-07 Colorado Technical University Online Professor Angela Garrett 26 November 2012 Calculator Results for Redemption Date 11/2012 Total Price | Total Value | Total Interest | YTD Interest | $16,665.00 | $117,957.76 | $101,292.76 | $998.92 | Bonds: 1-16 of 16 Serial # | Series | Denom | Issue Date | Next Accrual | Final Maturity | Issue Price | Interest | Interest Rate | Value | Note | NA | EE | $50 | 11/1990 | 05/2013 | 11/2020 | $25.00 | $50.52 | 4.00% | $75.52 | | NA | EE | $100 | 11/1990 | 05/2013 | 11/2020 | $50.00 | $101.04 | 4.00% | $151.04 | | NA | EE | $500 | 11/1990 | 05/2013 | 11/2020 | $250.00 | $505.20 | 4.00% | $755.20 | | NA | EE | $5,000 | 11/1990 | 05/2013 | 11/2020 | $2,500.00 | $5,052.00 | 4.00% | $7,552.00 | | NA | SN | $25 | 11/1967 | | 11/1997 | $20.25 | $135.27 | | $155.52 | MA | NA | SN | $50 | 11/1967 | | 11/1997 | $40.50 | $270.54 | | $311.04 | MA | NA | SN | $75 | 11/1967 | | 11/1997 | $60.75 | $405.81 | | $466.56 | MA | NA | SN | $100 | 11/1967 | | 11/1997 | $81.00 | $541.08 | | $622.08 | MA | NA | E | $50 | 11/1963 | | 11/2003 | $37.50 | $408.84 | | $446.34 | MA | NA | E | $100 | 11/1963 | | 11/2003 | $75.00 | $817.68 | | $892.68 | MA | NA | E | $500 | 11/1963 | | 11/2003 | $375.00 | $4,088.40 | | $4,463.40 | MA | NA | E | $10,000 | 11/1963 | | 11/2003 | $7,500.00 | $81,768.00 | | $89,268.00 | MA | NA | I | $50 | 11/1998 | 12/2012 | 11/2028...

Words: 555 - Pages: 3

Premium Essay

Alcohol, Euthanasia, Abortion Etc

...ALCOHOL The legal drinking age is the age at which a person can consume or purchase alcohol. These laws cover a wide range of issues and behaviours, addressing when and where alcohol can be consumed. The minimum age alcohol can be legally consumed can be different from the age when it can be purchased. These laws vary among different countries and many laws have exemptions or special circumstances. Most laws apply only to drinking alcohol in public places, with alcohol consumption in the home being mostly unregulated. Some countries also have different age limits for different types of alcoholic drinks. PRO Lowering Drinking Age 18 is the age of adulthood in the United States, and adults should have the right to make their own decisions about alcohol consumption. Turning 18 entails receiving the rights and responsibilities of adulthood to vote, smoke cigarettes, serve on juries, get married, sign contracts, be prosecuted as adults, and join the military - which includes risking one's life. [5] [6] CON Lowering Drinking Age The right to drink should have a higher age of initiation because of the dangers posed by drinking. Many rights in the United States are conferred on citizens at age 21 or older. A person cannot legally purchase a handgun, gamble in a casino (in most states), or adopt a child until age 21, rent a car (for most companies) at age 25, or run for President until age 35. Drinking should be similarly restricted due to the responsibility required to...

Words: 1079 - Pages: 5

Premium Essay

Abortion

...Abortion Student’s Name Institutional Affiliation Since 1900, abortion has been an act that has been given attention in our society. Abortion is the act of removing a fetus from the mother’s womb. The act has brought about pro-life and pro-choice groups in our country. Pro-life argue that abortion is murder and pro-choice argue that it is not since the fetus is not human. The problem comes in when these two groups do not agree in the legalization of abortion (Opposing Viewpoint Online Collection, 2015). It is true that abortion is not safe and people do not have knowledge about its adverse effects. It bring many complication after the act. The complications are emotional, psychological and physical. 10% of the women in America who go through induced abortion get complications immediately. 2% of these women have major complications. The minor complications include, vomiting, serious pain in the abdomen, bleeding, disturbances in gastro-intestine, fevers and infections. Major complications include, ripped and perforated uterus, complications brought by anesthesia, embolism, convulsions, and injury in the cervix and endotoxic shock (Opposing Viewpoint Online Collection, 2015). Long-term effects of abortion can lead to sterility, mental problems such as guilt, anxiety, grief, emotional numbness or paralysis and drug or alcohol abuse. 44% of abortion patients suffered from nervous disorders this is according to a post-abortion study. It also revealed that 36% had sleep...

Words: 821 - Pages: 4

Premium Essay

Marquis's Argument Essay: The Abortion Debate

...By definition, abortion refers to the ending of a pregnancy by removal of fetus from the uterus of the mother before the embryo can survive its own. As an added note, abortion can be categorized into two types. One is natural abortion otherwise known as a miscarriage. In this case, the fetus is rejected by the mother’s body and does not survive to term. In some circles, this considered an act of God and therefore moral. The other is induced abortion. Induced abortion is an act done purposefully for either health reasons or other personal reasons. The last definition is where society has been divided and has caused a monumental debate as the case for and against abortion when done purposefully has ignited society’s deepest outlooks. Many philosophers...

Words: 997 - Pages: 4