Managing Finances for a Better Future Essay

In American society, we are encouraged to save money for a better future. However, in my life I have encountered problems with managing my personal finances. In the past, I spent my money irresponsibly. Despite making a decent salary, it was a challenge trying to maintain my financial responsibilities and not something I was very concerned about. I felt as though I was living paycheck to paycheck, when the reality was I simply did a poor job of managing my funds. Now that I have grown up and have a son, my expenses have increased tremendously. Although he is my biggest joy, having to take care of him has worsened my inability to manage and save money properly. When I should be saving money for his college education, instead I spent $500 on toys for Christmas. Therefore, learning how to effectively manage my finances is vitally important in order to secure a healthy and rewarding future for myself and my son. Information to Resolve My Daily Problem As I consider how to resolve my constant problem of saving money, I have identified these information sources as possible resources: 1.  I would use my 401(k) investment catalog to discover more information about how to invest money into different stocks and bonds. 2. I would contact Diana Marrero-Pinto, Director of Housing at the Lorain County Community Action Agency, Inc. to register for the Budgeting Bootcamp seminar. 3. I would search the Internet for reliable resources on how to save money in a bad economy. I would look for such resources in the following manner. I would contact my 401(k) representative to schedule a meeting to discuss my account and possible investments. I would contact Diana Marrero-Pinto to discuss the Budgeting Bootcamp seminar and other training opportunities. I would visit the University of Phoenix Library for articles and book excerpts on budgeting and saving money. Process for Evaluating My Resources In order to evaluate the information that I would gather to resolve my problem, I would consider the source of that information. If I am interviewing professionals, I would ensure that they have a background in finance or experience working with people on how to manage their personal finances. If I am looking at Internet resources, I would be cautious nreliable websites that contain non-factual information. I believe, the Wall Street Journal website has reliable information since it is a nationally renowned newspaper in the United States. Another really reliable resource would be the University of Phoenix Library, because college officials ensure the information is reliable for students. The articles and books available on the University of Phoenix Library allow thousands of students to feel confident about the reliability and accuracy of the resources retrieved from the website. Ways to Use This Information to Resolve the Problem The process of problem-solving includes the ability to utilize self-knowledge to figure out solutions to a problem (Carter, Bishop, & Kravits, 2007). I believe there are four stages in problem-solving: analyzing, synthesizing, applying, and evaluating. First, analyze the problem or issue by identifying the possible causes for why the problem occurred. Next, synthesize all the data that explains the problem and brainstorm possible solutions. According to Carter, Bishop, and Kravits (2007), â€Å"When you are brainstorming ideas, don’t get hooked on finding the one right answer. Questions may have many â€Å"’right answers’- or many answers that have degrees for usefulness† (para. 52). From these possible solutions create a plan of action, outlining important goals with timeframes for completion. Once the goals and timeframes are established, I will begin to apply the goals set forth in order to solve my problem. Later, I will evaluate the process it took to solve my problem, and decide if the process was dependable. This will help me to make better decisions in the future.

Christian man Essay

Miller re-defined what a hero is 1949. He did this because up until this point it was Aristotle’s definition that writers followed when writing a tragic drama. Aristotle wrote that it was only a character with nobility from birth could become a hero. This means that only a character that is a King or a nobleman could become a hero. Aristotle also said that a hero is a character that overcomes a conflict with a higher power, usually the Gods. However Miller wrote in 1949 that a hero could be any character that ‘to secure one thing – his sense of personal dignity. ‘ This shows us that Miller thought that any character could be a hero as long as he had the willingness to become one. Miller also seemed to think that rather then a hero fighting a higher power he could fight against his own society (which may include fighting a higher power) to ‘gain his ‘rightful’ position in his society. ‘ Miller argued that the common man could become a hero. He said that he â€Å"believe that the common man is as apt a subject for tragedy in its highest sense as Kings were. † This basically meant that commoners were as suited to be heroes as Kings were. This completely re-defined who heroes were and who they could be. This opened up the range of different characters that writers could introduce in a tragic play and therefore led to more of this type of plays being written. Miller also defined a hero as a flawed character who is broken down to his raw core and then he is built back up again (in the eyes of the audience) through his heroic actions. This new definition shows us that Proctor is the ideal character for a hero in the play. He is an honest, working man and he has sinned but he is ready to end his sinning and become a true Christian man. We can see this by the way he is ashamed of his sin with Abigail and the way that he tells her that it is over. The audience can now see that he is trying to regain his dignity and pride. The audience can also see, by the end of Act 1, that Proctor is the main individual that may become a hero throughout the play. This leads the audience to forge assumptions of Proctor’s future actions and reactions. After the conversation between Proctor and Abigail, in Act 1, of their relationship and previous affair the audience has preconceived ideas of Elizabeth and her relationship with Proctor. The first we hear of Elizabeth is at the beginning of Act 1 when Abigail is talking to Parris. She says that Goody Proctor is a ‘bitter woman, lying, cold, sniveling, woman. ‘ This is all brought about because Goody Proctor dismissed Abigail from her services, secretly for her affair with John, however Abigail says it is because she would not be a slave for Goody Proctor. This is the first the audience hears of Elizabeth and at this point they do not know of the affair between Proctor and Abigail so they have no reason to question Abigail’s information of Elizabeth. Also up until this point in the play Abigail has been admitting to her misdeeds. Again this gives the audience no reason to question what Abigail says. The opinion of Elizabeth given to Parris from Abigail suggests that Elizabeth is mean as she was spreading rumors of Abigail. The audience knows that at the time in which the play was set young girls had many rules of conduct that they had to follow, shown in the way that the girls will be punished for dancing. If Abigail hates a woman so much that she talks of her in such a ruthless manner to an adult then the audience may conclude that Elizabeth is an evil character. This depends on the audience’s thoughts of Abigail. I think that they would perceive Abigail as a bad character. I think this because of what has been revealed about Abigail. At this point we know of her affair (‘I know how you clutched my back behind your house’ and ‘I know you, John’) and of the potion she drank to kill Goody Proctor (‘You drank a charm to kill Goody Proctor’). Both of these facts give the audience the idea that Abigail is a troubled, evil character. ‘Evil character’ is supported by the way that Abigail threatened the other Girls in Act 1, ‘I will come to you in the black of some terrible night and I will bring a pointy reckoning that will shudder you’ she said. When the audience learn of the affair between Proctor and Abigail they assume that the relationship that Elizabeth and Proctor is not a loving one. They would argue that if it were a loving relationship then Proctor would not have engaged in an affair. When Abigail and Proctor are arguing over Elizabeth Abigail says ‘you bend to her John. ‘ This makes the audience think that Elizabeth is threatening and has great power over John, this is seen as a very bad quality. In the 17th century the man in a marriage was the boss and the threatening character, to see a woman being portrayed like this is quite shocking to the audience. Elizabeth is expected to be an unloving and gossiping character by the audience. These two characteristics are shown by the way that John had an affair and when Abigail says that Elizabeth is ‘blackening her name. ‘ Both of these traits would have been frowned on in the 17th Century, Elizabeth was expected to be quite, loving and obeying as a wife in this time period. This shows us how what others say can affect the audiences opinions. This is very important. If Elizabeth and Proctor had an unloving relationship when John dies at the end of the play the audience would be not quite as attached to him. If he had an unloving and hard time in his home life some may see him dying as a blessing. When Elizabeth is introduced in Act 2 for the first time she is singing to her boys. This suggests that she is a caring mother, she is singing which is a loving trait. She is introduced as a calm, caring mother making the audience take notice because they immediately think that their perceived idea of her is completely wrong. Her singing shocks the audience because they may have expected her to be shouting and ruling the house as Abigail’s comments had suggested in the previous scene. However there is still some credibility in the suggestion that the character is unfeeling as she has not spoken to Proctor. Her first line to Proctor is an accusation ‘What keeps you so late? ‘ This keeps alive the idea that though she may not be evil she still seems cold. It will be thought by the audience that if the Proctors had a strong, loving relationship Elizabeth may have welcomed Proctor, kissed or hugged him. In the first snippet of their long conversation at the beginning of Act 2 there are many more accusations made between the couple, and even if the inquiry is not made an answer is provided. For example when Proctor comments on the stew ‘It is well seasoned. ‘ Just before Proctor sits down to dinner with Elizabeth he re-seasons the stew without her knowing. This symbolizes many different things about the Proctors. Firstly I think the seasoning of the stew symbolises the couple marriage. I think it shows the audience the lack of heat, passion and ‘seasoning’ that the couple seems to have between them. Also, I think that John seasoning the stew shows his love for Elizabeth and wanting to please her. I think that he seasons the stew so that he can make an honest compliment to her later about it; he knows that the compliment will please her. The audience may feel that when Proctor is eating the stew the atmosphere is uneasy. Proctor’s comment of the stew may suggest that Elizabeth is asking for his acceptance. Though when Proctor kisses her after his meal it says in the stage directions that she accepts it but he is left disappointed. This suggests that though she wants his approval she does not wish for his tenderness. This shows the audience that though Elizabeth is a fragile character (she needs Proctor’s acknowledgment and approval of her cooking) she is not necessarily a loving, affectionate character. Elizabeth shows how fragile she is throughout Act 2; for example when John questions her over letting Mary go into Salem – she says Mary ‘frightened all of her strength away. ‘ The kiss in Act 2 leaves the audience with speculation over the couples relationship. However it has a much more important role later in the play. In Act 4 when Proctor dies there is another kiss shared between the Proctors. The audience can compare this to the kiss in Act 2 to confirm any variation in the relationship between the couple. If it is even less affectionate the audience will feel that if Proctor dies he is not leaving a lover behind and there will be less hope that he will not die. However if it is more passionate the audience will think that the couple are much closer and the relationship has blossomed in that last 3months. They will be seen as a much bigger tragedy for Proctor and Elizabeth to lose the new stronger relationship that they have obviously not had for a very long time. This shows us how important the kiss in Act 2 is. At the end of Act 2 Elizabeth is accused of being a witch and is taken to the jail. Proctor promises to get her out of jail and bring her back home. This is where the hysteria that the play accelerates. Act 3 starts with the court hearing of another woman who has been accused like Elizabeth. The hearing is very biased and the judge seems convinced in his verdict from the beginning giving the impression that the court hearing is simply for show and that it is realistically impossible for the ruling to be in favour of the defendant. This makes the audience worry that Elizabeth will have an unfair trial and she will hang for her ‘sins. ‘ We see the first accusation made in the scene quite early on. It is made from Judge Hathorne to Martha Corey (the defendant) ‘I am innocent to a witch. I know not what a witch is. ‘ ‘How do you know then, that you are not a witch? ‘ Here we see how a witch is prosecuted, this makes us think of fragile Elizabeth and wonder of how she will cope under the strain of court. Here we also see the power used by Hathorne. He uses accusations to make him seem in control and that he holds the power. Proctor and his friend storm into the court and the judge sends them out but then goes to talk to them for disturbing his courtroom. Proctor tries to use Mary Warren’s confession to lying to the court to free Elizabeth but soon realises that the only chance of saving his wife’s life is to prove that Abigail is lying. The only way he can do this is by proving that she has a reason for wanting Elizabeth dead, to take her place. Proctor confesses to lechery and Danforth says that if Elizabeth will confirm that Abigail and Proctor had an affair he will let all the accused go free. This will prove that Abigail had an evil aim that she was trying to accomplish by accusing women of witchcraft. Elizabeth is brought in and Miller makes this part of the play a semi-climax. There is a lot of tension because the audience are pleading for Elizabeth to claim lechery on John, knowing that it is one of the Ten Commandments. Miller makes this moment dramatic using stage directions. This is a part in the play where Miller is very particular about where each character is and how the stage must be set out. The first directions are give as dialogue from ‘(to Abigail) Turn your back. (To Proctor) Do likewise. Now let neither of you turn to face Goody Proctor. No one in this room is to speak one word, or raise a gesture aye or nay. ‘ This series of speech shows that seriousness of the court and also the power of Hathorne. Proctor has been told not to speak but the audience hope that he will do the exact opposite. At this point in the play the audience know that Proctor loves Elizabeth and that he would do anything for her, however they are not aware of the strength of Elizabeth’s affections towards her husband. If Elizabeth’s morals come above her love for Proctor she could tell the court that he committed lechery and in this bizarre sequence of events this could save her life. This moment in the play may be seen as a build up to the confession and execution of John Proctor. These moments may be seen as similar because it is at both these points in the play where the audience is wishing for the Proctors to not follow their morals and confess to a crime. Tension is built up at both of these points, however there is a considerable amount more of strain in Act 4, this is because the consequences are clear. In this scene the consequences are clear if Elizabeth prompts lechery upon her husband, she will save not only her and her husbands lives but she will put an end to the witch trials. Firstly tension is caused here by the pure fact that Elizabeth can not rely on her husband to give her answers, after all it was his crime and she may fear that if she tells the truth he will suffer for it. This is shown by the many attempts that she makes to look at Proctor for guidance. Each time Danforth stops her until she sees that it is impossible to receive an answer from her husband. Repeatedly Elizabeth strays from the subject to try and show how her husband is a good man but again she soon realises that she can no come to a faint conclusion. This is shown when Danforth asks her directly, after interrupting her many times, ‘Answer my question! Is your husband a lecher! ‘ This shocks the audience because up until this point Danforth has remained relatively calm because he is seen with such great power that no one dares deceive him. Elizabeth angers Danforth because she seems to be more concerned of the wellbeing of her husband then acting in the court. At this point Elizabeth sees no other option then to give an answer and the audience feel that should break her personal morals and say that Proctor did not commit the crime of lechery. The audience thinks this because so far Elizabeth has tried to defend Proctor with irrelevant information that he is not a drunkard and that he is not slovenly. This shows that in her mind she is debating of which answer to give and though the audience suspect that she will tell a lie they are pleading with the play that she does not. Millers directions of when she gives her answer to the enraged Danforth is ‘(faintly): No, sir. ‘ At this moment time seems to stop because all of a sudden there is uncertainty in the future of all of the characters; whether Danforth will reverse his demands and believe Proctor, whether Abigail will crumble under the pressure and what will happen to Proctor. At this point Miller restarts time quickly and it seems that in a matter of minutes Mary (a character that had been forgotten in this Act) crumbles under the increased pressure of Abigail and accuses Proctor of being involved with the devil. This is the very end of Act 3 and at this point Proctor breaks down and lets all of his thoughts and emotion run wild by screaming every words that he thinks for all to hear. This is all shown in his last lengthy speech of Act 3. ‘A fire, a fire is burning! I hear the boot of Lucifer, I see his filthy face! And it’s my face, and yours, Danforth! ‘ This shocks the audience because like Danforth Proctor has kept himself quite controlled and also like Danforth he explodes with rage. It is very relevant when he likens himself and Danforth as being both images of the devil. Though they may seem complete opposites (Danforth is condemning people to death and Proctor is trying to save these people) their characters are very similar. They both fight extremely hard for what they believe to be right. This similarity gives the audience hope that Danforth may be lenient in Act 4 when Proctor has pain and difficulty in confessing.

Article Example | Topics and Well Written Essays - 750 words - 1

Article Example Analysis Different people have different preferences when they choose a hotel to spend a night or eat a meal. Some of these qualities are influenced by price, location, service and suitability. Moreover, apart from choice of hotel, people travel to different destinations based on different reasons. As a result, the hotel industry has been affected greatly by different factors such as tourism or events like sports. We will look at business travel and sports tourism as analysed by two different academic journals. Business Travel: Business travellers are one the largest segments of people who drive the hotel industry. Most of these travellers prefer stating at mid-level hotels and some select prefer luxury hotels for their superior service. As a result, hotels located in the mid-level segment are known to offer services to customer based on certain qualities. Some to the qualities include fair prices, rewards scheme and good service (Swarbrooke,  2012). During the recent economic down turn that affected a lot of industries and sectors, the hotel industry was also greatly affected (Bowen, 2009, pp. 32-37). As a result, many hotel chains such as the Marriot International hotels strategically made it possible for their mid level hotels to position themselves in attracting business travellers. Mid-level hotels have segmented their business in such a way that it allows for people to enjoy long stay at the hotel with different services being offered (Kandampully, 2007, pp. 63). As a result, a lot of people enjoy amenities such as fast internet, conference rooms and breakfast offerings that would endear business travellers to such hotels (Knutson, 2009, pp. 38). Hotels like the Cairo Marriot hotel and the Marriot Mumbai International Airport hotels are examples of hotels which are built purposely for catering to the needs of business travellers. The Marriot hotel chain is an example of a hotel chain that has perfected the art of attracting business travellers. The hotel chain has done this through offering a loyalty program that targets constant and loyal customers. The loyalty program allows loyal customers to earn points which give them an opportunity of getting discounts and hotel packages unlike other customers (Davidson,  2008). Sports Tourism: this is the newest phenomena in the world of travel and in the hotel industry due to the number of people who travel. As a result, there are a lot of people who travel to different sporting events with the hope and aim of attending to these events. Events such as the World Cup, Summer Games, UEFA Champions League and other sporting events attract a lot of fans and sportsmen or women who visit these events create a new kind of tourism that boosts the hotel industry (Knutson, 2009, pp. 36). As a result, a lot of hotels offer services such as quality service such as good food and ambience that allows a fan or sports person to make use of hotel amenities in the event of attending the sporting event (Prit chard, 2003, pp 64-65). Some hotels offer services such as guided tours to stadiums, good gyms and training facilities for sport travellers. Some hotels also offer secrecy and exclusivity that is needed by sport people who need a lot exclusion to train and concentrate on their games. Another offering that is used by hotels is location in terms of closeness to sports venues and

3 simple auditing questions Assignment Example | Topics and Well Written Essays - 250 words

3 simple auditing questions - Assignment Example Julia Granger has already completed steps 1 through 4 and has documented the results of her work on audit schedules E-100, E-110, E-111, and E-112. Assume that the client performs the control activities identified in the flowcharts. A solution to the assignment is provided using schedules similar to the schedules provided to students on the pages that follow. Again, due to the subjective nature of some of the judgments alternative solutions could be considered equally acceptable. Note that the solution lists potential audit tests that could be performed. It is very unlikely that an auditor would decide to perform all these audit tests. Additionally, the solution does not indicate whether the audit test should be performed on the entire population or a sample of the population. 9) Transfers are appropriately authorized and the financial statements presentation including the disclosure of all investments conforms to the generally accepted accounting principles that are consistently applied. The company purchases material from the vendors, the purchased material are inspected and counted and the prices compared to the purchase orders and a pre-numbered receiving report is prepared. / After that the receiving report and the purchase order are issued. On the accounting side, the accountants receive the invoices from the vendors for the items purchased. All the materials that are not accounted for in terms of receiving report are transferred to the appropriate department for acknowledgment for the receipt. The vendors document are marched with the appropriate accounted document to allow for documentation in the purchase journal, vendor ledger, general ledger and the inventory files. The files are reviewed by the supervisor. All the reports such as the purchase order, receiving report and vendor invoices are documented by the

A Complete Specification of the Asymptotic Variance Assignment

A Complete Specification of the Asymptotic Variance - Assignment Example The le contains 6,808 observations for individuals living in Ontario. b) Estimate two human capital earnings models, one for men and one for women. Use wage as the dependent variable and include exp, exp2, Educ, not grad, hs grad somepse, uni1, uni2, and marras independent variables. Discuss the goodness of the of the two equations. From the regression table, we observe that the F-computed is 257.6> 1.88260439 (F-critical), we thus reject the null hypothesis that all regression coefficients are equal to zero. This shows that F-test is significant indicating that the observed R-squared is reliable, and is not a spurious result of oddities in the data set. Also, it shows that the proposed relationship between the response variable and the set of predictors is statistically reliable, and can be useful when the research objective is either prediction or explanation. From the regression table, we observe that the F-computed is 356.47> 1.88266598 (F-critical), we thus reject the null hypothesis that all regression coefficients are equal to zero. This shows that F-test is significant indicating that the observed R-squared is reliable, and is not a spurious result of oddities in the data set. Also, it shows that the proposed relationship between the response variable and the set of predictors is statistically reliable, and can be useful when the research objective is either prediction or explanation. c) Interpret the results of the test of overall significance for each equation. Do not forget to state the decision rule for the test, the level of significance you are using, and the critical value of the test statistic. The p-value for the overall model is 0.0000, a value less than 5%, we thus reject the null hypothesis. The null hypothesis states that the coefficient is equal to zero (no effect). We, therefore, conclude that the model is appropriate and that there is the significant effect on the dependent variable (sewage) by the independent variables.  

The straightforward claim 'I broke the law but there would have been Essay

The straightforward claim 'I broke the law but there would have been worse consequences had I obeyed the law will not in itself lead to an acquittal(Quayle [2 - Essay Example ce (1) the Court of Appeal held that, a persons consent is irrelevant and cannot prevent criminal liability for an offence if actual bodily harm was intended and/or caused, subject to some exceptions. This strict rule was based on the view that it is not in the public interest that people should try to cause, or should cause, each other actual bodily harm for no good reason. The Court of Appeals views were applied the House of Lords in R v Brown and Others (2). There are some exceptions to this defense like reasonable surgical interference, a properly conducted game or sport, and tattooing and ear-piercing. A person can validly consent to the risk of being unintentionally harmed. In R v Aitkin and Others (3) the victims participation in practical jokes played on RAF companions was accepted as evidence suggesting that he too could become a victim and consented to this. The definition of the Duress well mentioned in the case Attorney-General v Whelan (4) that the threats of immediate death or serious personal violence so great as to overbear the ordinary powers of human resistance should be accepted as a justification for acts which would otherwise be criminal. The defense must be based on threats to kill or do serious bodily harm. If the threats are less terrible they should be matters of mitigation only . In DPP for N. Ireland v Lynch (5), it was held that the law would not regard threats to a persons property as a sufficient basis for the defense. Here the immediate threat should be in such a nature that it is to be operated upon the accused at the time that the crime was committed. In R v Hudson and Taylor (6), it was held that it was always open to the crown to shown that the defendants had not availed themselves of some opportunity to neutralize the threats, and that this might negate the immediacy of the threat, regard had to be had to the age and circumstances of the accused. But it is to be remembered that a defendant who joins a criminal

PRESENTATION'S REPORT ON GALATIANS( 3;28) THE ARGUMET SORUNDING THE Essay

PRESENTATION'S REPORT ON GALATIANS( 3;28) THE ARGUMET SORUNDING THE ROLE OF WOMEN IN CHURCH LEADERSHIP - Essay Example To underscore my theme, I quoted Richison’s (2000) work which postulates that Christ’s redemptive work not only saves all (male and female), but also gives people the will to work for God. Because of this, there is no room for gender discrimination, since men and women are justified. I also made reference of Johnson’s (1997) work, wherein he argues that the cause of feminist Christians is misguided since Galatians 3:28 and other scriptural passages in the New Testament are indicative of, and in support of gender parity. Particularly, Johnson shows that cases that feminists take as scriptural references that act as vestiges of gender discrimination are actually instances which have been taken out of context. I also point out that and concede to Davis’ (2013) postulation that God only qualified functional differences of the sexes: He defined the roles that men and women have to play, in the society, but did not intend them to treat each other as unequal. Because of this, it is wrong to say that God in the Scriptures sanctioned gender inequality. I ended up with the standpoint that in respect to Galatians 3:28, women should be allowed to discharge leadership roles just as men, since men and women are equals. Likewise, the reason I drew for their equality is their being in possession of inherent qualities that espouse them to leadership duties, calling and responsibility (Lind, 2013). From the presentation, I learnt that Christians, regardless of their sex, can identify with Christ. This is because, I realised that the concept of servanthood emanated from Christ Himself who was also the perfect servant. The Bible in Exodus 21:6 and Deuteronomy 15:17 speak of an individual who makes himself a slave out of his own volition and his ear is pierced (or opened) with an awl. Later on, Psalms 45 confirms that the slave in Exodus 21:6 and Deuteronomy 15:17 is a foreshadowing of Christ, the servant of God. To underscore this standpoint, Isaiah 53 also refers to