Self Confidence

As a feeling of trust in one’s aptitude, appraisal and qualities, the importance of self confidence to quality mental health both in personal and professional life cannot be over emphasized.

Self confidence is the emotional component of one’s personality, one of the six important facets of “Emotional Intelligence”, and the most important factor in determining how humans think, feel and behave.

Emotional Intelligence enables one to recognize their temperament and grasp why certain emotions occur. Efficient self assessment of emotions helps to improve one’s self confidence and self-esteem.

Always see the water that is capable of saving a life in a half full glass, instead of viewing it as a worthless half empty glass.

Life is basically what you make of it, live life Joyfully.~ Precious E

May this week be fulfilling and rewarding.

Click on to see our emotional Intelligence courses for Individuals and organizations.

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Bella Hadid’s Shoe Misfortune From The Place Of International Etiquette

Her apology…..
“This was an honest mistake on an early morning… never, ever would I intentionally try to offend anyone like that. I am so sorry ..”

Bella had posted photos to her Instagram Story showing off her shoe at the airport. In the background of the photo, airplanes from Saudi Arabia and the United Arab Emirates with the countries’ flags could be seen.
From the angle the photo was taken, it appeared as if her boot(which she seemed to be showing off on the picture), was kicking the flags as the sole of her shoe was directly facing the flags.

Millions of people(not just Muslims, Middle East or Arab countries), but also people who understand international etiquette found her post very insulting and completely contemptuous.

The 22 year old celebrity responded swiftly and pulled down the post, she also posted a lengthy apology to her Instagram Story, which in part, reads, “The photo of my shoe on my story yesterday had NOTHING to do with politics…I never noticed the planes in the background and that is the truth. I would never mean to disrespect these airlines, let alone these amazing countries “.

While the American super model’s fans have long accepted her apology and forgiven her, others are yet to accept her apology and are calling on the brands she represent to drop her or forgo their patronage. Some tweeted that it’s inexcusable for an international celebrity of her calibre to be unaware of certain international ethics.

In case you’re also wondering the uproar behind what would be termed as a mere picture; Yes! it’s true, that displaying the soles of the feet doesn’t come across as a good gesture.

As a matter of fact, a client I took on International Etiquette early last week called my attention to the #bellahadid incident. Showing the sole of your shoe has long been an insult in Arab culture and to hit someone with your shoe is perceived as even worse.

This is because the shoe is considered dirty, it is used on the ground and associated with the foot which is the lowest part of the body. Another perspective is that the feet are often sensed as unclean, particularly the soles of the feet. Showing your foot or the sole of your foot to an Arab is generally offensive.

The shoe is such an offensive symbol that it is discerned as culturally discourteous to cross an ankle over a knee displaying the sole of the shoe while chatting with someone. If the sole of your shoe is exposed unknowingly, it’s okay to quickly apologize and it will be understood that it wasn’t a deliberate act. However it could come across as truly negative if you notice the other person was uncomfortable and you still ignore concealing the soles of your feet or apologize.

In the Islamic religion, the shoe is also considered unclean, it is forbidden to wear shoes in mosques and believers must remove their shoes before praying.

It may interest you to know that showing the sole of your shoe is also considered impolite in many cultures. For instance, in some Asian and African cultures, it is a common practice to take off shoes before entering the house, just like in the Arab world.

Shoes are seen as dirty and hitting someone with shoes passes off as implying that the person is as dirty as the soil the shoes step on.

It is of great importance to have general knowledge of global etiquette, especially if you travel often. For instance, the most important of the international etiquette tips is to show respect for the culture of a people and what is important to another person.

There’s so much more to know on International Etiquette.

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Private student education loans is highly recommended loans of final measure.

Application for the personal education loan is manufactured straight to the financial institution, typically online. In change, the financial institution then requests official certification of eligibility from UM.

Before pursuing a student that is private, pupils should finish the FAFSA and/or consult staff within the educational funding workplace to ensure all the other choices have now been exhausted.

Private Student Loan Details

Picking a Lender

The simplest way to locate a personal loan lender would be to perform an google search for “private education loan” or “alternative education loan”. Whenever determining whom to select, think about the interest, costs, terms of payment ( ag e.g. Is re payment delayed until after student stops to be enrolled) as well as the trustworthiness of the financial institution.

UM will not offer tips about particular loan providers. It really is as much as the pupil to determine which lender is most beneficial for them.

Loan Limitations

Personal student education loans, for legal reasons, needs to be for academic costs.

Initially, students may request and get approval through the loan provider for a loan amount that is specific. Nevertheless, whenever UM certifies the mortgage the quantity shall be restricted to the expense of Attendance (COA) minus other aid gotten. This is not as much as what the lender pre-approved.

Test Loan Repayment Schedule

A pupil who borrows $30,000 at a normal rate of interest of 8% and makes use of the typical payment schedule (120 equal re re payments) could have monthly obligations of $364. Once the loan is compensated in complete after ten years they shall have compensated an overall total of $43,678.

A pupil have access to the united states Department of Education’s Repayment Estimator or even the loan calculators at to receive a personalized loan repayment schedule. The financial institution may have sample repayment also plans offered by their site.

Features of Personal Loans

Private loans frequently have various rules compared to the federal loan programs:

  • Some loan providers don’t require that the student be making satisfactory progress that is academic
  • Some loan providers enable loans for less-than-half-time enrollment (5 credits or less)
  • Some will issue loans following the scholastic year/term is over
  • Some loan providers enable loans for courses not essential for the amount ( ag e.g. A small)
  • Many loan providers enable a learning pupil to borrow as much as the expense of attendance (COA)

Drawbacks of Personal Loans

Personal loans frequently have various guidelines compared to federal loan programs:

  • Rates of interest are determined by the effectiveness of the pupil’s (and cosigner’s) credit history and it is frequently more than what exactly is obtainable in the loan that is federal.
  • You can find frequently in advance costs from the loans, especially if a learning pupil desires to defer re re payment until after college. These charges are often bigger than the origination charges on federal figuratively speaking.
  • Numerous pupils aren’t authorized because their credit score is maybe not strong enough plus they don’t possess a credit-worthy cosigner.
  • Federal figuratively speaking have numerous alternatives for pupils who possess trouble with loan payment, including loan consolidation, loan forgiveness, or release of loan as a result of death or disability that is permanent. Many private loans would not have provisions that are such.

SAP/Max Credits and Personal Loans

Some loan providers need that a student be making satisfactory progress that is academicSAP), which include compliance because of the maximum time period (maximum credit) guidelines.

In cases where a pupil is looking for a personal loan as they are maybe perhaps not able to complete their degree within the maximum timeframe, they must check to see if this is a requirement of the lender because they are not eligible for federal loans due to not making SAP, or.

In cases where a loan provider calls for that a student be making satisfactory progress that is academic in addition to pupil just isn’t, the loan will never be certified by UM. In the event that loan provider won’t have an SAP requirement, the mortgage is likely to be authorized, so long as the pupil fulfills all the eligibility demands.

Timeline for Private Loans

Frequently, in 24 hours or less of approval because of the loan provider a obtain official certification is forwarded to UM. Staff within the educational funding office make an effort to have got all personal loans certified within three company times. But, official certification isn’t done until students’s federal application has been through last review.

In cases where a pupil is certainly not trying to get federal help chances are they will have to submit UM’s personal Loan just Worksheet prior to the loan should be certified.

Generally speaking, a personal loan will be when it comes to complete educational 12 months, the funds being disbursed in 2 re re payments, half each term.

The facts In Lending Act requires that disbursement of most personal loans be delayed at the least three times allowing a pupil time and energy to reconsider their choice. Some lenders have longer delays. This can not be overridden by UM.

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Often searching out the graphical symmetry in chaos, while still maintaining the personality and emotion of the subject. The excitement and anticipation as we waited to see the next piece of unpredictable chaos was electric.

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I’m as proud of many of the things we haven’t done as the things we have done.

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