good faith estimate and truth in lending
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good faith estimate and truth in lending

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FAQ

Why don't schools teach children about taxes and bills and things that they will definitely need to know as adults to get by in life?
Departments of education and school districts always have to make decisions about what to include in their curriculum.  There are a lot of life skills that people need that aren't taught in school.  The question is should those skills be taught in schools?I teach high school, so I'll talk about that.  The typical high school curriculum is supposed to give students a broad-based education that prepares them to be citizens in a democracy and to be able to think critically.  For a democracy to work, we need educated, discerning citizens with the ability to make good decisions based on evidence and objective thought.  In theory, people who are well informed about history, culture, science, mathematics, etc., and are capable of critical, unbiased thinking, will have the tools to participate in a democracy and make good decisions for themselves and for society at large.  In addition to that, they should be learning how to be learners, how to do effective, basic research, and collaborate with other people.  If that happens, figuring out how to do procedural tasks in real life should not provide much of a challenge.  We can't possibly teach every necessary life skill people need, but we can help students become better at knowing how to acquire the skills they need.  Should we teach them how to change a tire when they can easily consult a book or search the internet to find step by step instructions for that?  Should we teach them how to balance a check book or teach them how to think mathematically and make sense of problems so that the simple task of balancing a check book (which requires simple arithmetic and the ability to enter numbers and words in columns and rows in obvious ways) is easy for them to figure out.  If we teach them to be good at critical thinking and have some problem solving skills they will be able to apply those overarching skills to all sorts of every day tasks that shouldn't be difficult for someone with decent cognitive ability  to figure out.  It's analogous to asking why a culinary school didn't teach its students the steps and ingredients to a specific recipe.  The school taught them about more general food preparation and food science skills so that they can figure out how to make a lot of specific recipes without much trouble.  They're also able to create their own recipes.So, do we want citizens with very specific skill sets that they need to get through day to day life or do we want citizens with critical thinking, problem solving, and other overarching cognitive skills that will allow them to easily acquire ANY simple, procedural skill they may come to need at any point in their lives?
How do I deal with someone who tries to take credit for my efforts and twists the truth or leaves out details in order to make himself look good to others?
Something like this happened to my dad on his first job after college. If the person is taking credit for your work, chances are they’re also taking credit for someone else’s work. Sooner or later it will catch up to them. People who do this don’t know that the higher up the ladder they get, it will be a lot harder to take credit for someone else’s work. That’s why it will catch up to them.If the person taking credit for your work is a co-worker, then you should talk to your supervisor. If the person that’s doing it is your supervisor, then talk to HR or your supervisor’s boss if you have a good relationship with him/her.People will tell you not to go around your supervisor because it will look bad on you, but if that’s how your company ‘s upper management thinks, you should find a new job because it won’t be around long. Why? Because if projects fail, it will have a bigger impact to the people in upper management than the workers. If the company’s upper management has that kind if mentality, then they’re inexperienced or just flat out don’t know what they’re doing and will drive the company into the ground. Also, people talk especially recruiters…good people will stay away from companies like that and it will slowly kill the company.
How long does it take to build muscle enough for me to fill out my shirts and feel good about myself?
Muscles per se will not make you feel good about yourself. You decide you are worth something, then go to the gym and get buff to feel BETTER about how well you are treating yourself. A minor distinction, but important nonetheless.Muscle growth is determined mainly by three things: genetics, nutrition, and exercise. You can’t help your genetics—if everyone is your family is a rail-thin skinny person, well, you will have a difficult time overcoming that.Nutrition can be changed. Good quality, high protein diets, low in carbohydrates ail help build muscle fastest.Exercising will build you up—best to chat with a trainer at the gym to see what will be best for your body type.Good luck!
I have no faith. My trust is in my understanding of truth and my intuition about the world. How do I not go crazy when my ability to cope with life's realities has been exceeded?
Have faith in the one entity that can always help you cope.Yourself.Our mind is the absolute center of our personal universes, there is no other single force or circumstance on the planet that has more effect on the totality of your life, then your own mind.So do some studying on what we know about the mind, it's very important to your life.  Learning mental discipline techniques such as visualization, meditation, self-hypnosis, etc will help you be, and feel in control of your life, as well as help you cope with whatever comes your way.Read some crazy survivor stories.   Like people who lived in WW2 POW or internment camps for years.The people who made it had mental discipline.  They focused on a day at a time.  They focused on their reasons for living.  They visualized happier days from the past, and imagined a better future.   When it got really bad, they went elsewhere in their mind and took a vacation from the pain.  They took extreme joy and gratefulness for the simplest things to uplift their spirits."Oh look, I got two beans in my soup!"  "What a beautiful day!"  "Look, a butterfly!"Some of them may have imagined an entity who loved them to help them out, but many others decided based on their conditions, that no loving God COULD exist, so they had faith in themselves.But they all had in common, a strong, disciplined mind.If they can cope with the hell they lived through, and live long happy normal lives after, than you can cope with anything you can physically survive.(And they can, I knew a guy in his 80's, with a wife, kids, grandkids, who seemed totally normal, and happy, but he had lived through 4 years in a Japanese POW camp.   Nearly everyone, like over 90% that was captured at the same time as him, died.  He was 6'6", but he weighed 100 lbs when he was rescued, if you can even imagine.)
From which city should I fill out the IELTS exam to score good in speaking and other modules?
Hi,There are some myths that taking IELTS exam from a small city/town helps you get a better score (especially in speaking) compared to major centers. However, they are myths, because IELTS exams are conducted by professionally qualified and certified examiners who have to follow set rules determined by the IELTS apex body i.e. Cambridge University. And they rate you based on those rules.However some students do believe in myths that they hear about from fellow students or peers and try giving exams from such centers to take their chance. I have also seen people who took IELTS from a major center in first attempt try small town centers in 2nd attempt of their IELTS and they’ve said to me that there’s no difference.It is all about taking a chance when you follow a hear-say thing. But one cannot guarantee better score based on the choice of city or town. Practice is the best way to score good in IELTS.
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