Cheap Essay Writing Service By Qualified Essay Writers

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Should You Drop Your Bank for a Credit Union

Should You Drop Your Bank for a Credit Union Should You Drop Your Bank for a Credit Union? Should You Drop Your Bank for a Credit Union?While qualifying for a credit union might be a little more difficult, these non-profits have several advantages over traditional banks, especially for folks with bad credit.There are a lot of reasons to be skeptical of banks. Each day seems to bring a new banking scandal, whether it’s Deutsche Bank or Wells Fargo or Wells Fargo or even Wells Fargo. It’s perfectly reasonable to be looking for other options. But what kind of alternative to a traditional bank can provide you with checking and savings accounts, credit cards, personal loans, and other financial services?Consider the credit union!So what exactly is a credit union?“A credit union is a not for profit cooperative financial institution owned by members, rather than stakeholders as in a traditional bank,” explained Sha’Kreshia Lewis, CEO of Humble Hustle Finance. “Members meaning their local community. Members within the community elect a volunteer board of directors.”L ewis also explained how you can join:“Qualifying membership in a credit union is based upon 5 factors: to volunteer, live, work, worship, or attend a school within the community. Upon approved qualification, you will pay a  one-time membership fee and a deposit usually of up to $25.“Profits cycle back to the community in a credit union. They, in turn, offer education programs, scholarships, better rates on loans, and even higher interest rates on savings accounts.”Credit unions have great bad credit banking options.Banks are pretty restrictive if your credit isn’t in a great place. Can credit unions offer better options if you have less than great credit? The answer seems to be: quite possibly!“You can ‘join’ a credit union if your credit is bad or less than desirable,” accredited financial counselor and author of The 7 Fruits of Budgeting Roslyn Lash  advised.“Securing a loan will be difficult, however. Credit unions typically use the same standards as traditiona l banks to qualify applicants for loan products. The benefit of joining a credit union is that they offer a variety of products and the rates are usually much lower than traditional lenders.”Lewis also offered her opinion on what can make credit unions an appealing choice over banks: “Just like a traditional bank is insured by the Federal Deposit Insurance Corporation, a credit union is insured by the National Credit Union Share Insurance Fund of up to $250,000. Members can access their money through a number of ATMs which include low fees.$mart Choice checking accounts are also a benefit that credit unions offer. These accounts are based upon a Chex Systems record and come with a small monthly service fee. If you have a record of $800 or less and you live, work, worship, volunteer, or attend a school within your local community then you would qualify.After 12 months of no NSF fees (non-sufficient funds), no negative balance, no delinquent loans, not being in the process of fili ng bankruptcy, or not be subject to any legal or administrative order or levy then you can request to be moved to a regular checking account.”Many credit unions offer alternatives to payday loans.Predatory no credit check loans like payday loans, title loans, and cash advances  can wreak havoc with a persons finances. With much higher rates than your standard bad credit loan, these loans can trap borrowers in a never-ending cycle of debt. And while a bad credit installment loan can make for a great alternative to a payday lending, many credit unions offer something even better.Christina Disbrow is in charge of digital marketing and community outreach at Coral Community Federal Credit Union and here’s her recommendation:“Joining a credit union can be a great choice for anyone regardless of their credit score. For people with poor credit it can be especially beneficial, because they are willing to take chances to give loans to people with poor credit. Like any lender, interest r ates will be lower for those with good credit, but the rates are much, much lower than if a consumer used a cash advance store or financed a car through a dealer.Our credit union offers yearly $800 No Credit Check Loans and Skip-A-Loan-Payments. Our members qualify as long as they have been at their job for a year, their loans are in good standing and they have direct deposit set up.A community credit union might be your best bet to qualify.“Credit unions are a great choice over traditional banks for anyone regardless of their credit score because they are not-for-profit financial institutions, says Disbrow. That means our profits are returned to our members instead of our stockholders. This means we are able to offer lower APR on loans and higher rates of return on our interest-bearing accounts.Many credit unions have become Community Credit Unions, meaning that anyone can join as long as they (or a family member) live, work, go to school, or worship within the boundaries set for th by the financial institution and offer Co-Op services, meaning our members can deposit and withdraw funds from other credit unions.This means credit union members have access to over 5,000 locations throughout the country. Credit unions are regulated by the National Credit Union Association (NCUA), which is essentially our version of the FDIC, meaning your money is safe with us and we offer the same technology as banks such as online and mobile banking but without the fees.”So is it time to give up your bank?Maybe, but you might not even have to.“You don’t have to leave your current bank to have a credit union,” Lewis told us. If you plan to buy a home or a new car in the near future then a credit union is the right choice for you. Before deciding, be sure to compare rates, fees, and proximity of a credit union near you.”There you have it. Should you check out your local credit union? Might as well see what they offer!To learn more about alternatives to traditional bank ing, check out these related posts and articles from OppLoans:How to Survive in a Banking DesertIs It Time to Break Up With Your Bank?Banking Basics: 5 Types of Bank AccountsAre you a credit union member? We want to hear from you!  You can  email us  or you can find us on  Facebook  and  Twitter.ContributorsChristina Disbrow manages the business development and social media marketing at  Coral Community Federal Credit Union in Fort Lauderdale, Florida. She enjoys her role in expanding Coral Community FCU’s membership and educating consumers on the benefits credit unions offer to the community. A nonprofit management expert, Christina is the founder of All Write, All Write, All Write a boutique development firm specializing in advocacy, communications, and fundraising. She helps nonprofits save the world by helping spread their message and raise money for their mission.Roslyn Lash  (@RosLash) is an Accredited Financial Counselor and the founder of Youth Smart Financial Education Se rvices.  She specializes in youth financial education, adult coaching and works virtually with adults helping them navigate through their personal finances i.e. budgeting, debt, and credit repair.  Her advice has been featured in national publications such as USA Today, TIME, Huffington Post, NASDAQ, Los Angeles Times, and a host of other media outlets.ShaKreshia Lewis  is an AP Clerk in the oil and gas industry. After 6+ years experience in the financial field she has set out on her own to passionately help others. She is the founder and CEO of Humble Hustle Finance, a financial platform educating emerging adults on the importance of money management.

ESL Dialogue to Make an Appointment With the Dentist

In teaching English and a Second Language (ESL) or English as an Alternative Language (EAL)  students how to properly communicate in English, oftentimes specific examples will help them to understand the dynamics of English grammar and usage at play in real life circumstances, though it is important to also emphasize the technical rules associated with each grammatical situation. One such example of a situation an ESL or an EAL  student may encounter outside of school is scheduling an appointment at the dentist—or doctor, but its best to keep these types of exercises simple and one-dimensional to present the clearest message to students. In this scenario, the teacher should begin by playing the role of the dentist office assistant, mining answering a phone that the student, the patient, should voice.   ESL Dialogue for Practicing Scheduling Medical Appoints Dentist Office Assistant: Good morning, Beautiful Smile Dentistry, this is Jamie. How may I help you today? Patient: Good morning, Id like to schedule a check-up. D:  Id be happy to do that for you. Have you been to Beautiful Smile before? P: Yes, I have. My last check-up was six months ago. D: Great. Can I get your name, please? P:  Yes, of course, sorry. My name is [students name]. D: Thank you, [students name]. Which dentist did you see on your last check-up. P:  Im not sure, really. D: Thats OK. Let me check your chart... Oh, Dr. Lee. P: Yes, thats right. D: OK... Dr. Lee has time next Friday in the morning. P: Hmmm... thats not good. Ive got work. How about the week after that? D: Yes, Dr. Lee has sometimes open. Would you like to suggest a time? P: Does he have anything open in the afternoon? D: Yes, we could fit you in on Thursday, January 14th at 2.30 in the afternoon. P: Great. Thatll work. D: OK, thank you for calling Mr. Appleman, well see you next week. P:  Thank you, bye-bye. Key Phrases for Making Appointments to Emphasize The key takeaways from this exercise are the phrases that one might encounter at a doctor or dentists office that may be confusing to new English learners like which dentist did you see? or we can fit you in, which makes no sense in the literal interpretation of the phrase. The most important phrase for an ESL student to learn here, though, is Id like to schedule or make an appointment, but its also important to be able to understand the response, like if the office assistant had said I wish I could help as a rejection—an ESL student may not understand this means there is nothing that assistant can do to match that persons schedule. The phrase check-up and have you been to Dr. Xs before are both unique to ESL students because they present a colloquialism commonly used to describe situations specific to visiting a doctor or dentist.

10 Unconditional Love Quotes

True love is selfless and unconditional. True love knows no boundaries. It is not judgmental but highly accommodating. Unconditional love only gives but does not take anything in return. You Find Unconditional Love in Places You Wont Even Look The love of a mother  is unconditional. A dog loves its master unconditionally. An infant has unconditional love for its mother. You will see that naive love is unconditional. It is tender, caring, and nurturing. The Bible says that Jesus loved his disciples unconditionally.   Forgiveness Is Unconditional Love Forgiveness is an intrinsic part of unconditional love. When you love someone deeply, you find the heart to forgive. You can overlook the blemishes because your love overcomes the flaws. Martin Luther King Jr. beautifully put it in words when he said, He who is devoid of the power to forgive, is devoid of the power to love. Unconditional love never imposes, never tries to change the other person. Writer Thomas Merton said, The beginning of love is to let those we love be perfectly themselves, and not to twist them to fit our own image. Otherwise we love only the reflection of ourselves we find in them. Here are 10 unconditional love quotes to strengthen your heart. Robert Wagner A dog will teach you unconditional love. If you can have that in your life, things wont be too bad. C. JoyBell C. It should be a privilege to be able to say I love you to someone. It shouldnt be something people say just because they feel like it. A privilege that is earned. They say you have to earn the right to be loved; no, love is unconditional, if you love someone, they dont have to earn it. But. The right to tell someone that you love them? That has to be earned. You have to earn the right to be believed. Mitch Albom, For One More Day When you look into your mother’s eyes, you know that is the purest love you can find on this earth. John Perry Barlow But groundless hope, like unconditional love, is the only kind worth having. Markus Zusak, The Book Thief No matter how many times she was told that she was loved, there was no recognition that the proof was in the abandonment. Ann Brashares Parents were the only ones obligated to love you; from the rest of the world you had to earn it. Isabel Allende Accept the children the way we accept trees—with gratitude, because they are a blessing—but do not have expectations or desires. You don’t expect trees to change, you love them as they are. Leo Buscaglia Only when we give joyfully, without hesitation or thought of gain, can we truly know what  love  means. Deb Caletti, The Secret Life of Prince Charming Unconditional love is like a country of two with no laws and no government. Which is all fine if everyone is peaceful and law abiding. In the wrong hands, though, you got looting and crime sprees, and let me tell you, the people who demand unconditional love are usually the ones who will rob and pillage and then blame you because you left your door unlocked. Nicholas Sparks, The Wedding What its like to be a parent: Its one of the hardest things youll ever do but in exchange it teaches you the meaning of unconditional love.

Apparent Benefits Of Digital Mammography Health And Social Care Essay Free Essays

DM separates the procedures of image acquisition, processing and show more than is possible with FM. In FM, the x-ray beginning is turned on, energy is converted from the x-ray beam ( which has radiated through the tight chest ) into light via a phosphor screen, which so exposes a difficult transcript movie, held within the screen ( Carlton A ; Adler, 2006 ) . The movie is processed chemically and an image is developed. We will write a custom essay sample on Apparent Benefits Of Digital Mammography Health And Social Care Essay or any similar topic only for you Order Now Digital Mammography includes either computed skiagraphy ( CR ) or digital skiagraphy ( DR ) . CR uses really similar equipment to mammography undertaken through conventional skiagraphy and involves a photostimulable phosphor home base cassette-based digital skiagraphy system, in which imagination home bases are run through a computing machine scanner that reads and digitalises the image ( Wang, Merlin, A ; Kreisz, 2009 ) . All other signifiers of digital mammography are called DR, where digital x-ray detectors are used alternatively of traditional photographic movie. Both DR and CR are frequently used in a diagnostic scene, while DR is peculiarly suited to a showing scene ( Wang, Merlin, A ; Kreisz, 2009 ) . A screening mammogram is performed routinely and harmonizing to BreastScreen Australia, adult females over 50 old ages old require one every two old ages. Unlike movie, the electric signal ( DM produces when the x-ray photons hit the digital sensor ) is linearly relative to the strength of the x-ray resulting in a wider dynamic scope for digital images ( 1000:1 ) than for movies ( 40:1 ) ( Dershaw, D. 2006 ) . This equates to a higher contrast declaration, which is peculiarly of import in imaging younger adult females who normally have heavy chests. However, another factor in image quality, spacial declaration, is superior in FM. Because spacial declaration depends on pixel size in DM and on the size of the grains in the emulsion on the screen in FM, spacial declaration is better enhanced in movie ( Dershaw, D. 2006 ) . Spatial declaration is of import in naming calcifications and other little characteristics in the image. Despite DM ‘s huge post-processing abilities, FM has a greater truth of structural lines recorded, or spacial declaration, of an image. Could the deficiency in the spacial frequence in DM be justified by the ad vanced contrast declaration? Both ( Kim, et al. , 2006 ) and Dershaw, D, ( 2006 ) found several surveies which show that despite the restricting lower spacial declaration of DM, visibleness of calcifications on DM is non significantly different from that on FM. In add-on, both Pisano, Gatsonis, A ; Hendrick, ( 2005 ) and Skaane, et al. , ( 2008 ) province DM ‘s far superior contrast declaration ( when comparing to FM ) is various in that during the processing of DM, contrast can be enhanced in the countries that are heavy. In April 2004, Melbourne ‘s Peter MacCallum Cancer Centre became the first Australian site to offer digital mammography ( DM ) ( Pun, Lau, Cassumbhoy, Taranto, A ; Pitman, 2007 ) . The figure of Digital Mammography units bought throughout Australia is rapidly increasing and the conventional film-screen methods of mammography are going out dated. However, the axial rotation out of digital mammography was at hand due to marketing techniques by industries ( Wang, Merlin, A ; Kreisz, 2009 ) . Both Wang, Merlin, A ; Kreisz ( 2009 ) and BreastScreen ( 2008 ) outline the considerable figure of mammograms taken each twelvemonth. Wang, Merlin, A ; Kreisz ( 2009 ) describes the figure to be every bit high as 1.5 million mammography scrutinies undertaken each twelvemonth through both showing and diagnosing. BreastScreen Victoria is portion of the free national chest malignant neoplastic disease testing plan for adult females, known as BreastScreen Australia. The Victorian plan was est ablished in 1992 and is jointly funded by the Victorian and Commonwealth Governments ( BreastScreen, 2008 ) . The plan services adult females under the age of 50 and offers a free mammogram every two old ages to test for chest malignant neoplastic disease. The Government has been funding the digital ascent of BreastScreen Australia from 2006 and has already financed $ 120 million towards the national promotion ( Ageing, 2010 ) . However, Pisano E.D. , et al. , ( 2005 ) discusses, utilizing informations from The Digital Mammographic Imaging Screening Trail ( DMIST ) , the fact that for adult females over 50 old ages old, there was no important difference in diagnostic truth between DM and FM. There is much literature sing the effectivity of testing through DM in older adult females. As mentioned antecedently, BreastScreen testing is applicable for adult females over the age of 50, even though Pisano E.D. , et al. , ( 2005 ) found there was no important difference between DM and FM in adult females over 50 old ages old. Wang, Merlin, A ; Kreisz ( 2009 ) discovered there were advantages of utilizing FM over DM in ages over 50 old ages old because of the chest composing. It is interesting to farther note in a more recent article by Pisano E.D. , et al. , ( 2008 ) , the writer agrees that in older adult females ‘film tended to execute better for adult females aged 65 old ages or older with fatty chests. ‘ Karssemeijer, et al. , ( 2009 ) describes the aged chest as been less-dense and besides agreed on FM to be the superior unit for chest malignant neoplastic disease testing in ages over 65. Tosteson, et al. , ( 2008 ) steadfastly established ‘for adult fema les aged 65 old ages or older, it seemed improbable that DM testing offered a mensurable wellness benefit ‘ . Karssemeijer, et al. , ( 2009 ) includes presently 48 per cent of chest malignant neoplastic diseases occur in adult females over 65 old ages old therefore it is of import the age group is imaged right. Both Wang, Merlin, A ; Kreisz ( 2009 ) and Tosteson, et al. , ( 2008 ) argue that relative to FM, testing for chest malignant neoplastic disease utilizing DM is non cost-efficient due to the inferior quality of imaging less-dense chests over the age of 65. Wang, Merlin, A ; Kreisz ( 2009 ) conducted an Australian reappraisal that examined the economic value of DM in testing through BreastScreen Australia. Harmonizing to Siemens monetary value scopes for 2010, A new MammoMat DR mammography unit will be up to AU $ 414 000, ( HCN, 2009 ) . A FM unit costs around $ 80 000, ( Wang, Merlin, A ; Kreisz, 2009 ) . Extra costs for both FM and DM include a movie processor and roller viewing audiences ( FM ) and pressmans, proctors and a image file awaying and communicating system ( PACS ) equipment ( DM ) , observing that PACS can be of to $ 800 000 to set-up, ( Wang, Merlin, A ; Kreisz, 2009 ) . Wang, Merlin, A ; Kreisz ( 2009 ) calculated the costs of each DM and FM scrutiny: DM ( DR ) b eing $ 110.36 per patient and FM $ 73.95 per patient. Wang, Merlin, A ; Kreisz ( 2009 ) explains that larger sections can afford the passage: ‘larger chest malignant neoplastic disease testing services may be better able to absorb the fiscal impact of presenting DM than little Centres. ‘ Further guess has surfaced sing the scrutiny times in the transition from film-screen to digital mammography signifiers. Not merely is the cost exacerbated but articles have besides been written claiming that many Radiologists might take longer to set to the alteration in engineering, when comparing the passage to digital general X ray ( Grady, 2008 ) . An writer, Denise Grady reported an addition in recall rates among adult females, who ‘were finally found to hold nil incorrect. ‘ She claims the job is that radiotherapists, seting from one medium to another and frequently holding to compare consequences between the two, may construe images more cautiously and ‘play it safe ‘ by bespeaking extra X raies, ultrasounds, or biopsies ( Grady, 2008 ) . This passage from FM to DM is besides outlined by the mean times taken reading the mammogram: 5 proceedingss DM verses 3 proceedingss FM for testing times and 24 proceedingss DM verses 15 proceedingss FM ( Wang, Merli n, A ; Kreisz, 2009 ) . Haygood, Wang, Lane, Galvan, A ; Atkinson, ( 2010 ) besides agree in the drawn-out use of DM. The article, comparing DM with FM, found DM six-view images ( three projections of each chest ) could take more than seven times longer than FM images to convey the images up in fit-in show manner, pan through them and set alternator panels and visible radiations. However, Thompson, D, ( 2006 ) justifies the drawn-out passage because of the digital use of the image, declaring that on the whole DM promises to better diagnosings and lead to earlier intervention of chest malignant neoplastic disease. Existing literature to place current position Existing Australian literature on the cost-effectiveness of exchanging from FM to DM is limited because the first Australian site has merely been unfastened for six old ages. American research is taking the manner in respects to the advantages and restrictions of DM. This is most likely because of the October 2008 figure of 43 per cent American mammography clinics holding at least one DM machine ( Haygood, Wang, Lane, Galvan, A ; Atkinson, 2010 ) . Many articles have been written in the USA detailing the evident advantages of DM: immediate digital-image acquisition, superior contrast sweetening, storage and retrieval capacity, displayable in multiple formats, real-time reading of mammograms at distant sites, tele-radiology and computer-aided sensing equipment is going more available. Regardless of the legion benefits of DM, American articles have besides argued the cost of DM testing including surveies by Tosteson, et al. , ( 2008 ) and Pisano E.D. , et al. , ( 2008 ) . Back in Aust ralia, mammography demands for showing intents differ somewhat to those in America, due to BreastScreen Australia being to the full funded by the Australian Government. Therefore, farther research must be undertaken refering the cost-effectiveness of transforming BreastScreen Australia ‘s mammography units into DM. And computations of the per centum of adult females over 65 who presently use BreastScreen Australia ‘s services must be found to further analyze the economic value of DM in BreastScreen Australia testing Centres. Proposed Research Study ( Semester Two ) Restrictions to the passage from DM to FM must be acknowledged. An obvious limitation is that FM is no longer being researched or advanced by makers and is bit by bit going disused. This is why my research undertaking in semester two will concentrate on farther researching the disadvantages of DM within the age group of over 65, to find why DM is n’t suited to this age group and to better DM ‘s capablenesss to include all age-groups. This research needs to be undertaken before FM ( the gold criterion in mammography for over 65 twelvemonth olds ) becomes superseded. Decision With DM endangering to to the full replace FM, farther research has to be performed to cut down the disadvantages of DM including: lower degree of spacial declaration, inferior ability in imaging less-dense chests and economical value. Currently, considerable grounds opposing the usage of DM over FM showing of adult females over 65 old ages old is outlined by the writers: Tosteson, et al. , ( 2008 ) , Karssemeijer, et al. , ( 2009 ) , Wang, Merlin, A ; Kreisz ( 2009 ) , and Pisano E.D. , et al. , ( 2008 ) . Extra research must be conducted in countries of bettering DM in adult females aged over 65 old ages old in order to specify DM as the gilded criterion in chest showing. Word count: 1957 How to cite Apparent Benefits Of Digital Mammography Health And Social Care Essay, Essay examples

Zen and the Art of Motorcycle Maintenance Essay Example

Zen and the Art of Motorcycle Maintenance Essay Zen and the Art of Motorcycle Maintenance by Robert M. Pirsig is a book which describes inner search for the truth and the meaning of life. During the story the protagonist travels across the country with his small son. In reality they go through not only physical journey. This journey becomes also a great transformation of their personalities.   The protagonist of the book compares the motorcycle to the living person and teaches people how to deal with both – a vehicle and their true selves. As states the author, working taking a good care of one’s cycle can become a way to uncover true self. This process can become the most interesting and significant journey of the person’s life.During his quest for true sense of life the main character doubts all conventional norms and standards. He is not interested in popular knowledge. In his search he counts only on himself and his personal experience. In the third chapter of the book Pirsig doubts all conventional scie ntific discoveries and findings. He states that the law of gravity is not more real than ghosts. He gives several characteristics which prove this resemblance. The law of gravity did not exist anywhere until it was discovered by Newton. What Im  Ã‚   is the notion that before the beginning of the earth, before the sun and the stars were formed, before the primal generation of anything, the law of gravity existed (Pirsig 18).We can not agree that it did not exist at all, in this way it should have been situated somewhere until it was discovered, but we find now such a place.Step by step, the author enumerates all characteristics of this law and all of them possess same characteristics as ghosts do. Same, like ghosts’ undiscovered laws, including the law of gravity, do not posses neither physical form, no energy. â€Å"I honestly dont know what a thing has to do to be nonexistent. It seems to me that law of gravity has passed every test of nonexistence there is. You cannot t hink of a single attribute of non-existence that that law of gravity didnt have. Or a single scientific attribute of existence it did have. And yet it is still `common sense to believe that it existed (Pirsig 48). Since all characteristics of the ghosts can be applied for physical and mathematic laws, the author makes it possible to compare them. In this way the author states that the existence of ghosts has the same probability as the existence of fundamental laws.He states that science and education help people to adapt social norms and fundamental laws from early childhood. People who did not get used to doubt common truth they hear have no other choice but to follow these laws. Answering to John who asks: â€Å"Why does everybody believe in the law of gravity then? , the author gives simple but deep explanation. He states :Mass hypnosis. In a very orthodox form known as `education (Pirsig). This idea has important consequences. According to the author’s opinion, it uncov ers the main source of the problem. In his opinion the mind, which also has no mass or form, creates main problems in our life. Despite it has no peculiarities which would distinguish it from a ghost, it influences all our decisions and determines all our choices. This unexpected conclusion helps the readers to see how their decisions and actions are determined by the thing which does not exist in reality.Pirsig’s conclusions are very unexpected. Some would definitely disagree with them, other would accept them partially, but what is for sure, all the readers will spend time thinking on the issues described. This is the main good thing about this book, to my mind.

Long-Form Possessive Adjectives in Spanish

Long-Form Possessive Adjectives in Spanish Possessive adjectives in Spanish, like those of English, are a way of indicating who owns or is in possession of something. Their use is straightforward, although they, like other adjectives, must match the nouns they modify in both number (singular or plural) and gender. Using the Long Form Unlike English, Spanish has two forms of possessive adjectives, a short form that is used before nouns, and a long form that is used after nouns. Here we focus on the long-form possessive adjectives with examples of usage and possible translations of each example: mà ­o, mà ­a, mà ­os, mà ­as - my, of mine - Son libros mà ­os. (They are my books. They are books of mine.)tuyo, tuya, tuyos, tuyas - your (singular familiar), of yours - Prefiero la casa tuya. (I prefer your house. I prefer the house of yours.) These forms are used even in areas where vos is common, such as Argentina and parts of Central America.suyo, suya, suyos, suyas - your (singular or plural formal), its, his, her, their, of yours, of his, of hers, of theirs - Voy a la oficina suya. (I am going to his/her/your/their office. I am going to the office of his/hers/yours/theirs.)nuestro, nuestra, nuestros, nuestras - our, of ours - Es un coche nuestro. (It is our car. It is a car of ours.)vuestro, vuestra, vuestros, vuestras - your (plural familiar), of yours -  ¿Dà ³nde estn los hijos vuestros? (Where are your children? Where are the children of yours?) As you may have noticed, the short form and long forms of nuestro and vuestro and related pronouns are identical. They differ only as to whether they are used before or after the noun. Owner Irrelevant in Determining Gender In terms of number and gender, changed forms are with the nouns they modify, not with the person(s) who own or possess the object. Thus, a masculine object uses a masculine modifier regardless of whether it is owned by a male or female. Es un amigo tuyo. (He is a friend of yours.)Es una amiga tuya. (She is a friend of yours.)Son unos amigos tuyos. (They are some friends of yours.)Son unas amigas tuyas. (They are some friends of yours.) If youve already studied possessive pronouns, you may have noticed that they are identical with the possessive adjectives listed above. In fact, some grammarians consider the possessive adjectives to be a type of pronoun. Regional Variations in Use of Possessive Adjectives Suyo and the related forms (such as suyas) tend to be used in opposite ways in Spain and Latin America: In Spain, unless the context is clear otherwise, speakers tend to assume that suyo refers to possession by someone other than the person spoken to - in other words, suyo tends to function as a third-person adjective. If you need to refer to something possessed by the person spoken to, you can use de usted or de ustedes.In Latin America, on the other hand, speakers assume that suyo refers to something possessed by the person spoken to. If you need to refer to something possessed by a third party, you can use de à ©l (of his), de ella (of hers), or de ellos/ellas (of theirs). Also, in Latin America nuestro (and related forms such as nuestras) coming after a noun is uncommon for saying of ours. It is more common to use de nosotros or de nosotras. Long or Short Possessive Adjectives? Generally, there is no significant difference in meaning between the long and short forms possessive adjectives. Most often, youd use the long form as the equivalent of of mine, of yours, etc., in English. The short form is more common, and in some cases, the long form can be somewhat awkward or have a slight literary flavor. One use of the long form is in short questions:  ¿Es tuyo? (Is it yours?) In these simple questions, the form of the possessive depends on the gender of the unstated noun. For example,  ¿Es tuyo? could mean Is it your car? because coche (the word for car) is masculine, while  ¿Son tuyas? might mean Are they your flowers? because flor (the word for flower) is feminine. Key Takeaways Spanish has two types of possessive adjectives: short-form possessives, which go before the noun they refer to, and long-form possessives, which go afterward.There is no difference in meaning between the two forms of possessives, although the short term is used more often.Suyo is often understood differently in Spain than it is in Latin America.