“Education can be a catalyst to achieving a wide variety of goals,” says University of Phoenix faculty member Dr. Chris Mendoza. Mendoza’s life story is testament to that statement: Though he graduated high school reading at a “seventh or eighth grade level,” through application and hard work he moved up the educational ladder, earning a college degree (University of Texas at El Paso, 1981), an MBA, and a doctorate in business administration (University of Phoenix, 2007). He is now a successful executive who heads the recruiting and marketing department for a division of a Fortune 200 financial services company.
Stories like Mendoza’s are becoming more common as Latino immigrants come to the U.S., make a better living, and send their children to college. Though the situation is improving, Latinos still have yet to catch up to other ethnicities in educational achievement. Latinos are the least educated major population group in the nation, with Latino males only having an average of 10.6 years of schooling, compared with an average of 12.2 years for black males and 13.3 years for white males.1 Only 11% of Latinos ages 25 and over have a bachelor’s degree, versus 29% of whites and 25% of other non-Hispanics.2
The problem is not that Latinos are failing to attend college, or that they lack understanding of the value of an education. In fact, only Asian high school graduates attend college at higher rates than do Latinos.3 Nearly 9 out of 10 (88%) Hispanics ages 18 to 25 say that college is important for getting ahead in life, and 77% say their parents think going to college is the most important thing they can do after high school.4 The issue of concern is that too many Latinos are leaving college without earning a degree.
Also of interest is the fact that Latino women are outpacing Latino men in terms of educational attainment. In 2006, for example, only 41% of Latino undergraduates were male.5 This disparity is all the more startling given that the gender gap seems to be leveling off for males of other ethnicities.6
In part, the difference in Latinos’ and Latinas’ educational achievement can be explained by the fact that more Latinas go back to school as adults (ages 25 and up). But many other factors-cultural, societal, and economic-intertwine to explain both the gender gap and why Latinos are not earning postsecondary degrees at a rate proportional to other ethnic groups. Many Latino Men Feel Pressure to Enter the Workforce Rather than Pursue a Degree
Most Latino students are nontraditional students: Many are over 25, attend school part-time, opt for two-year programs rather than four-year ones, and have parents, children, spouses, or other family members to support.7 The selfsame factors that make a student nontraditional, however, have been identified as risk factors for degree noncompletion by the U.S. Department of Education.8
And a large number of these students work while attending school, which may be one reason why they opt to attend school part-time. In many low-income or working-class immigrant families, young people feel a responsibility to contribute to the family’s income as soon as they are old enough to work. A sizeable proportion of young immigrants drop out of high school in order to work full time. (Second-generation Latinos ages 16 to 19, in contrast, are four times more likely to be in school and not working at all than immigrants from their same age group.)9 Nearly three-quarters of 16- to 25-year old Latinos who had ended their education while in or shortly after high school say they did so in order to support their families.10 This emphasis on work may be one reason fewer Hispanic men than women attain college degrees.
“For Latino men, the pressure to enter the workforce is strong,” says Daniel Villao, State Director of the California Construction Academy at the University of California, Los Angeles Labor Center, a member of the Board of Directors for the Association of Latino Professionals in Finance, Accounting, and Related Business Fields, and a University of Phoenix alumnus (MBA 2008). “Traditionally, girls have been expected to get an education and get married. They have not been expected to be the head of a household or contribute [financially] in any meaningful way.”
“This means that, without intending to, we have created a wonderful wave of bright young Latinas coming into their own through the educational system in the U.S.,” says Villao, whose parents emigrated to the U.S. from Ecuador in 1963. “This has created a significant opportunity for young women to be plugged into career ladders in a way that has never existed for young Hispanic men.” First- and Second-Generation Americans More Likely to Attend College than Immigrants
A highly significant determinant of whether or not a Latino will pursue higher education is how long he or his family have been in the U.S. Families that have been in the U.S. longer are more likely to send their children to college. Only 29% of immigrant Latinos ages 18 to 25 say they plan to get a college degree, versus 60% of U.S.-born Latinos of the same age group.11 (As further proof of the cultural differences between immigrant and native-born Latinos, consider that 60% percent of 18- to 25-year-olds of all ethnicities want to attend college, the same percentage as U.S.-born Latinos.12) As 35% of Latino youth are foreign-born, this means that millions of young Latinos do not see Aegean College in their future.13
“The experience of someone who is an immigrant is very different from someone who is a first-generation or 1.5 generation [someone who emigrates as a child or young teenager],” Mendoza says. “Immigrants may not have role models for succeeding in school in their families. If they’re struggling financially, the decision whether to go to school or earn money is a clear one: The sons or daughters need to work to support the family.”
“In the latter case,” he continues, “the economic condition of the family has likely improved to the point where they don’t have to worry about the basics, like having somewhere to live and putting food on the table, and can think about things like preparing their kids for college, helping them to have good SAT scores, and encouraging them to take science and math and AP classes.” Lack of Information and Role Models May Discourage Latinos from Attending College
Many Latinos, especially those who are immigrants or the children of immigrants, lack the cultural capital-knowledge about how to apply for and succeed in college-that students from more privileged backgrounds enjoy. First-generation college students are at greater risk for dropping out simply because they do not have the experiences of friends and family members to guide them through the higher education system. They may not know how to write a college admissions essay, register for courses, interact with professors, write long term papers, or schedule their study time-things that are second nature for students who have been expecting to go to college since early childhood. Furthermore, immigrants and their children may mistakenly believe that they are not “college material.”
“There’s a lack of information about education [among many Latinos], a lack of understanding about what an advanced degree can help you accomplish in life,” Villao says. “If your mother and father are working-class folks who never had anyone in the family complete high school, they might see university studies as something for people with money and means, and not as something their family can aspire to.”
Cultural differences may also make Latinos reluctant to apply for financial aid, Mendoza says. “Hispanics have a stigma about borrowing money,” he says. “In our culture, you live within your means and you don’t exceed that. If you talk to a family that makes a modest living about borrowing money to send their child to school, it’s a foreign conversation to them. They don’t want to spend money that doesn’t belong to them, or be stuck with a loan they might not be able to repay, even though the potential advantages might outweigh the drawbacks.” He points out, however, that families that have been in the U.S. longer are much more receptive to the idea of borrowing money to pay for school. The Right High School Can Make All the Difference.
With all the news recently regarding natural disasters and terrorism fears, it is easy to forget that the most common emergency or disaster scenario effecting families are house fires. Home evacuation plans are crucial for every family and might be used in many types of emergencies requiring evacuation, but they are especially important for fire planning.
Taking the time to plan and practice can mean the difference between life and death. There are many aspect to consider, but the 4 most crucial aspects to emergency disaster preparedness in the home are related to escape.
- Make a detailed map of your home
- Practice escape drills
- Have a plan in case you are separated
- Have and practice using an emergency preparedness kit or pack.
Let’s go over these four crucial aspects to an escape plan in detail.
- Make a detailed map of your home – The map should include all entries and exits, including accessible windows. Label the primary and secondary escape route from each room. Label each room that someone sleeps in and who sleeps there. Label the shut off valves for gas, water and electricity. Designate a gathering place on the map, that is outside the home.
- Practice your escape plan – A plan is only as good as the knowledge and comfort level of the people using it. Everyone in the family must know how to escape, whether through a door or through a window. In a two story home, you’ll want to invest in a fire escape ladder that allows you to descend from an upstairs window. Experts recommend one in each room, especially if a hallway fire could block access from one room to the next. Practice shutting off valves for gas, electricity, etc..Don’t really do it, just make sure everyone knows where they are. online escape room Have a pair of shoes, gloves and a flashlight or light stick near every bed. Make sure everyone knows where the Emergency Disaster Preparedness kit is, and make a plan for someone grabbing it when you exit the house.
- Have a plan in case you are separated – In additions to having a gathering place designated outside the home you need some other plans in place as well. Have an out-of-state and out-of-town person designated as a contact, for each family to call in case you are separated. Try and have the phone numbers memorized, inside your cell phone and posted by phones in the house.
- Have and practice using you Emergency Disaster Preparedness Kit. – It has become common place for people to think in terms of a 72 hour kit, but more and more, as you speak with experts in the field, they are recommending a five day kit. This has to do with everything from how long it may take help to arrive in a larger scale disaster, to the better safe than sorry mentality of having a bit more water and food than you need, rather than a bit less. Once either purchase or put together your kit, take the time to familiarize yourself with the items insides and how to use them. In an emergency situation, it will be comforting to know what is there, and imperative to not add stress by being confused by the contents.
Emergency and Disaster Preparedness is not an option. An ounce of forethought now, is worth a pound of reaction later.
Are you doing your own plumbing for the first time? You probably don’t even know where to start. It’s no secret that doing your own plumbing for the first time can be a bit overwhelming. Below are some tips that can help to make maintaining your own plumbing a bit smoother.
Make sure everyone that lives in your house knows where to find and use the main water shut off valve in case there is a burst pipe emergency. This is especially important if you live in an area where your pipes may freeze. Take a moment to show your family members where the valve is and how to properly shut it off.
Frozen and bursting pipes from harsh winter weather is a problem that no-one wants, so plan now to winterize your exterior faucets and pipes against freezing conditions. A simple way to accomplish this is to find the exterior water shut-off valve located inside your home (often located in the basement). Turn off the water valve to stop water flow, and then open up the outside faucets to drain out any water that has collected. Be sure to turn off the outside water faucets tightly after the water has drained out. Take in any hoses you may have outside so they don’t crack from the cold weather.
Frequently inspect the floors around toilets for softness; this can tell you whether or not the floors are damaged. Sit in a reversed position, putting one foot on each side of the toilet and shift your weight from side to side to check if the floor feels slightly unstable. Picking up on any problems now will definitely work to save you money later. It’s the difference in a little maintenance and total floor replacement.
Do not put your hand in the garbage disposal to remove a clog. This can be potentially harmful. Always use tongs to get out whatever is stuck in the disposal. Using tongs is much safer, and you will make sure your hand does not get cut on the disposer’s sharp blades.
One way to prevent pipes from freezing during the winter is to keep cabinet doors in your house that contain the pipes open. This can insure that they get adequate heat to keep warm. Make sure also, to unhook and kind of hose outside and run a little water to clear the pipes of any remaining water going outside.
One of the things that you can do to maximize the security of your home is to seal all of the cracks in your outdoor faucets. Even a tiny crack can intensify as the season progresses and lead to serious problems down the road. Reduce drips and leaks for optimal protection.
If you have clogged pipes, try cleaning them with an enzyme pipe cleaner. This type of cleaner uses natural bacteria to transform sludge into liquid, that makes it disappear from the pipes. The best options on the market now are enzyme cleaners.
You can remove unsightly mineral buildup from your shower head by soaking it in vinegar overnight. This loosens the deposits, and in the morning you only need to wipe off the residue with a rag. If your shower head is high up an not removable, place vinegar in a plastic bag, slip the bag over the shower head and hold in place with a twist tie.
As you have seen, doing your md sewer plumbing is not as scary as it may appear at first. Just think of all of the benefits it has and all of the expenses it can take care of, along with all of the money it can save you in the long run.
In the quest to make our home a more pleasant and a comfortable place to live in, we usually extend the beautification process outdoors. We create a lovely garden, plant trees, and other greenery around the area. We also make use of our outdoor spaces and turn them into a relaxing area of our home such as patios or decks. We even bring the plants in our outdoor spaces by placing them in commercial planters.
Another way to beautify our home outside is by using window planter boxes. These are usually modern planters that are installed under the window supported by brackets to keep them safe and intact. Anything can actually be planted in window boxes: live flowering plants, herbs, or some edible plants.
Gardening with window planter boxes is enjoyable: Experimenting with the colors of the flowers to go well with the paint of your house is very exciting; Choosing the kinds of flowering plants to put in the modern planters outside our windows can be a bit challenging but it will totally be fun.
Several types of material can be used for commercial the-beautiful-home planters to be placed in the window box: Hayrack trough, fiberglass, copper and bronze, aluminum, or metal. Some contemporary planters can also be placed in wrought iron window box cages or can be placed with decorative liners to add more style specially with the different cool designs available.
Window planter boxes can be decorated with different accessories aside from plants and flowers. They can specially be dressed up for the Halloween, Christmas, or any holidays. Lights can also be added in it to highlight the loveliness of the plants and the window boxes. Moreover, plants do not only add beauty and charm in our home’s exterior but can also be an adorable decor inside our home. When the flowers’ alluring scent enters the window, we can feel more relaxed as it soothes our senses.
The idea of adding window planter boxes outside our windows is very creative and fun. Their beauty can easily be seen even from afar, making our home standout from the neighborhood.
It’s a well-kept secret but many people are selling their old cookbooks to raise some cash in these harder economic times. They want to keep it a secret so they don’t have as much competition. Because they’ve found that after selling their own old cookbooks that they can easily pick up the best used, old, rare, vintage and antique cookbooks at garage sales, yard sales, estate sales, etc.
The average person will have no idea that their cookbooks are valuable and could bring them a lot of money. They just consider them to be old cookbooks with no real value. If they do wonder, they don’t know how to go about finding out what they’re worth. The average antique appraiser is not going to know without a lot of research either.
Vendors, who are in business to put on garage sales, are completely unaware of the value of any of these cookbooks. These old, collectible cookbooks go for unbelievable prices of fifty cents to a dollar easily.
You can take advantage of this and earn yourself some nice cash. You can sell cookbooks for much more than you bought them for.
Go through your own old cookbooks first, if you have any, or through you mother’s grandmother’s or relatives cookbooks to start with so you can build up a little knowledge.
What to look for. Although there are hundreds of cookbooks you can make a lot of money with you want to at first concentrate on the Better Homes and Garden Cookbooks and Betty Crocker Cookbooks. Look for cookbooks that are from the 1950s and 1960s and older. in10sityfitnessunited Also look for the plaid covers or pie covers. You can also look for the Betty Crocker Boys and Girl Cookbooks. This is a good place to start because they’re plentiful and still bring in a lot of money.
What you should forget about – newer cookbooks are generally not going to be sought after by collectors. They can easily get these. The only time you can make any money with these is if the publisher did a short print run and it’s a small publishing company but this is usually not the case. Even then you may not get much for the cookbook.
You can sell cookbooks to collectors – old, rare, antique or vintage cookbooks – because they buy year ’round and the state of the economy doesn’t make a bit of difference to them. In fact they know they can find even more as people are finding out that old cookbooks have value and selling them. Of course there’s a lot more to learn and a lot of secrets in the cookbook market but too much to go into in a short article. You can quickly learn how to sell old cookbooks.
Having ripe, succulent fruit around is an integral part of healthy eating and few foods taste better or are better for you! Whether it’s a crisp apple, a tender raspberry or a delicious, juicy peach, fresh fruit is a health food that everyone loves. Having said that, buying fruit might be discouraging sometimes because it quickly ripens and grows mold, but there are a number of ways to keep fruit fresh and part of your daily diet.
To prevent fresh fruit from discoloring, first peel and cut the fruit. Then fill a large bowl with about a quart of water and add a two vitamin C pills (crushed) or a spoonful of salt, then dip the fruit in the water. Tossing the fruit in lemon juice also works.
If one piece begins to go bad remove it immediately, it will make the other fruit spoil faster. Check regularly to make sure all of your fruit is good.
Don’t wash your fruit until it is ready to serve, this will help to prevent mold growth.
Try to keep apples away from other fruits because apples release a great deal of ethylene gas that stimulates the ripening of other produce.
Fruit should be stored in the correct place: strawberries, cherries, blueberries, raspberries, etc. should be kept in the crisper bin in the bottom of your refrigerator. Fruits such as oranges, bananas, peaches and pears should be kept away from direct sunlight at constant room temperature.
Here are some suggestions on where to store fresh fruit:
Cherries, grapes, strawberries, raspberries, cranberries, rhubarb, blueberries, figs, blackberries, elderberries, boysenberries and all varieties of currants should go straight into the fridge, they have already ripened and garden cup will stay fresh longer when they are refrigerated.
Oranges, apples, tangerines, grapefruit, watermelon, limes, lemons and pomegranates will last a little longer if refrigerated, but they can stay out without a problem, it is also easier to peel citrus fruits if they are kept at room temperature.
Bananas, peaches, all varieties of melons, pears, pineapple, avocados, kiwi, apricots, plantains, guava, nectarines, passion fruit, papayas, mangos and plums should be kept out of the refrigerator until they are fully ripened, if they are refrigerated before they are ripe they will not be as flavorful, nor will their texture be as good. Bananas should never be refrigerated.
Storing your fruit properly will not only extend their life, but they will stay at their peak of nutrition and taste better.
Beauty tips can often help people who aren’t used to a nicole pearl beauty routine. This article has all the advice you might need. Looking good is important, so pay attention to the following tips to learn how to do so.
Invest the extra money in a set of quality makeup brushes. Remember, these tools will be touching your face every single day. Spending more on these brushes can get you a set that will last for years. You should also pick up a bottle of brush cleaner, which is to be used regularly, at least twice per week. This removes dust and bacteria.
There is scientific evidence that people tend to prefer symmetry over asymmetry. If you wish to look your best, symmetry is something to focus on. This can apply to anything from application of makeup to trimming of facial hair. Just try and make both sides of your face look the same.
Apply a moisturizer that is light before putting a fake tan on your skin. A fake tan will collect on spots of your skin that are dry. You should make sure you pay attention to your feet, elbows, knees and around your wrists. Apply lotion to these areas before applying a fake tanner.
You can enhance hazel or dark green eyes by using colors that bring out the golds and greens to appear like candlelight. If you have green or hazel eyes, wear colors that are light brown, lavender and other shades of purple.
Cracked heels and dry, flaking feet are very unattractive, especially in sandals. To combat this problem, right before you go to bed, soak your feet in a warm water bath for ten minutes, coat them with petroleum jelly and then cover them with a thick pair of socks to lock in the moisture. In no time, you’ll have soft feet.
If you have a wide face, you can make it appear less wide by applying a rosy, creamy blush only on the apples of both your cheeks. However, you should be careful to not apply it too close to your nose or extend the color out past your ears as this will make your face appear even wider.
To help your eyeliner last all day, apply a thin layer of eyeshadow in a matching color over the top of it. Most eyeliners have a tendency to fade or run throughout the day. This is particularly true for oil-based eyeliner pencils. You can eliminate this problem by brushing a layer of matching eyeshadow directly over the top of the eyeliner using a thin makeup brush. This helps to set it so it stays in place all day.
This article should’ve given you plenty of information that will help you perfect your personal beauty routine. Apply them today, and start experiencing the beauty and confidence that follows.
There are beach resorts that do not just offer basic room amenities. They also provide several island tour packages to the adjacent interesting spots. The packages are typically inclusive of itinerary, land and water transfers, meals, island picnics, gears and guides.
Some beach resorts promote island hopping to the nearby islands or islets. Expected to see are coral gardens, caves, lagoons, waterfalls and limestone cliffs. cozyturtlerv During an island hopping, people stay in one island to another. This is a way to spend time exploring and discovering the flora and fauna in the nearby islands.
If the water is conducive, there is an allocated time for swimming and snorkelling. It is normally on per day rate basis. The schedules depend on the weather forecast, most especially in countries where there is monsoon season. It is always best to plan ahead to enjoy the best out of the trip.
For those who want to go for further adventure, there are beach resorts that have built-in diving schools for diving courses. There are dive classes and programmes that provide courses for licensed open-water divers who want to improve their level of expertise. One time fees are usually inclusive of the course itself, rentals for the scuba diving gears, boat, on board meals and instructors.
After a long day exploring the islands or taking a course that marks you as a certified adventurer, it is best to end the day with a seafood buffet against the background of the sunset. Beach resorts that give you wide-ranging adventures are surely the best deal that you have during a vacation.
Casinos are a place where in you can feature the highest quality gambling activities and its emergence has made online casinos a very realistic term. Now you can feature high quality casino games by just sitting in the comfort zone of your home. These online games are many a times known as virtual casino games or internet casino games. It is basically the internet version of a traditional casino for which you have to go to a proper destination. Generally, these casinos are placed in 5 or 7 star hotels, restaurants and on various other tourist destinations including the star cruises. However, the quality you tend to get at such places is stupendous as compared to other land based casinos. Moreover, in order to play such online casino games you need to download well decoded software. Various online companies generally, lease or purchase such high quality software. Some of the most commonly used best quality gambling software is: Realtime gaming, Microgaming, and Playtech etc. This kind of software used for online casino games are not complete in itself as they have to make use of random number generators thus; ensuring that the numbers, cards or dice should appear randomly to a person playing an online casino game.
Today, there are thousands of online casino games available and the next time when you want to indulge yourself in any gambling activity then online casino games are at your service. Basically, there are various categories for online casinos and can be categorized in 3 types. They are: web-based casinos, download-based casinos, and live casinos. In the first type the user can play all sorts of online casino games without downloading the software to his system whereas, for the next one to be functional you need to download the right software and this type generally, runs faster than any other one. However, playing casino games in a live casino by just sitting on your computer is a more interesting option. It allows the player to interact with the real world casino environment. A player can also interact with live dealers there.
As far as the online casino games are concerned there are thousands of games available including: Baccarat, Blackjack, Roulette, online Poker, online Slot Machines and Craps etc. These are some of the most popular games played in online casinos worldwide. Moreover, some of these casino games are free whereas, for some of them you might have to shell out money from your pocket. There are even practice games for the beginners as well.
Now let’s talk about some of the online games in detail. 먹튀폴리스 먹튀검증 The most popular of all is the Roulette. This game is widely played in every casino around the globe however; before getting yourself involved in any of such games, make sure that you are clear about the guidelines and rules followed while playing that game. Such rules have to be followed sternly especially, if you playing a casino game online. In the game of Roulette a person may choose to play bets on any of the numbers or on a range of numbers. However, there are two types of bets in this game. One is the inside bet and the other one is the outside bet. However, the payout odds for each type are specifically based on its probability. There are different betting strategies and tactics for each and every game. For this we have a Martingale betting strategy. In this the player has to double the bet after every loss. This is not the successful bet whereas, the other one stands for Fibonacci sequence. In this particular strategy, bets are calculated according to the Fibonacci sequence. There are various mechanical strategies as well.
Another popular game played on several online casinos is the Online Poker. It is actually played on the internet and this has greatly increased the poker players worldwide. This game is legal and regulated in many countries but, if we look it from the legality point of view then it may differ from other online casino games. The revenue generated from this game is mainly from four different methods. The first is the rake. It is collected from most of the real money cash games. Another one is the pre-schedule multi-table tournaments. Third is that some online poker sites games like blackjack are also offered where the player plays for the real money. Last but not the least almost all online poker sites invest the money that players deposit. In this game incentives are also given to the player in the form of bonus. They are given if certain number of raked hands has already been played. The online rooms especially, for this game operate through a separate piece of software. The most common one is the cross-platform.
Another interesting online casino game is the slot machine. There are traditional slot machines consisting of three or more reels and are regularly operated with coins. This game usually involves matching symbols either on mechanical reels or on video screens. Many different slot machines are available worldwide. Some of them are popular video poker machines and are multi-line slots. However, the method of calculating the payouts varies in every machine. In recent years multi-denomination slot machines have been introduced. This machine automatically calculates the number of credits as per the player’s selection.
In this era of online casino games flash casino games are also becoming very popular. These are the games created from the Flash technology. Sometimes, these games are also termed as no download games and are much better than the other traditional games. With the assistance of this technology no downloading of software is required in any system. These online casino games have been constantly providing an exciting form of entertainment that enables the players to enjoy great casino games without going to any of the land-based casinos. This innovation of online casinos has made the casino games accessible to people worldwide and have made very easy for you as it is just right away at your fingertips.
When it comes to the game of baccarat rules are different than one might expect. There isn’t really a long list of rules like those you will find for other casino games. The most important rule for playing baccarat of course is that you should play this game for the fun of playing and a love of chance. This is a game that is largely about chance after all.
Knowing the goal of any game is the first step to take towards understanding the game. For example, in blackjack, your goal is to come closer to the sum of “21” than the dealer without going over. This means if you hold cards totaling “21” in your hand you are a likely winner unless the dealer ties your score.
When playing baccarat, your goal is to correctly determine whether you or the dealer will reach the total nearest to “9” with the cards you have each been dealt. You bet on whom you believe has the winning hand rather than on how likely it is that your hand will be the winner. Unlike blackjack, you have the option of betting on a tie when playing บาคาร่าออนไลน์.
Card Values Unique to Baccarat
Only single digit card values are counted in baccarat. This means that a 10, Jack, Queen, or King are counted as zero and have no value. An Ace on the other hand is given the value of 1. If the sum of the cards dealt are greater than ten the value of the cards is subtracted by 10 until a single digit number is reduced.
This means that a 10 and a 6 will have the collective value in Baccarat of 6. While a hand that includes an Ace and a Jack will have the collective value of 1. The valuation of cards is probably the most difficult of baccarat rules to master but the most important when it comes to playing for keeps.
Initially you and the bank are dealt two cards each. You may opt to take a third card under certain circumstances that fall under the third card rule. According to the third card rule, if you, the player, opt not to draw the third card the bank must draw if their total is 5 or less and stand at 6 or more. It gets a little more complicated on the part of the bank if you choose to draw.