Saving Habits Changed Due to Harsh Economic Times

Have Spending/Saving Habits Changed Due to Harsh Economic Times Unique Food instability is a difficult issue in many nations on the planet. It has been expected that solitary individuals from underdeveloped nations experience food frailty. In any case, individuals in first world nations are likewise in danger because of increasing average cost for basic items. Despite the fact that expenses of essential products have ascended with time, compensation have remained the same.Advertising We will compose a custom report test on Have Spending/Saving Habits Changed Due to Harsh Economic Times? explicitly for you for just $16.05 $11/page Learn More People confronted with food weakness in underdeveloped nations look for food help. For instance, Kenyan government proclaimed food instability a national fiasco in 2011 because of inundation of displaced people from Somalia and dry season (United Nations, 2011). Thus, global associations gave food stuff. Numerous individuals in first world nations don't look for food help when they are confronted with food unc ertainty. In San Diego, over 3.7 million grown-ups were confronted with food weakness in 2009 (California Food Policy Advocates, 2011). In any case, a large portion of them didn't request food help. Reasons for food uncertainty incorporate low salary, significant expense of living and expanded joblessness rates. Albeit most survivors of food uncertainties don't request help, a couple of them have been vocal. Some compassionate associations have kept featuring the issue. (Jewish Community Foundation San Diego, 2011) In this paper, different causes and symptoms of food uncertainties are recognized. The degree of the issue is investigated to give an unmistakable circumstance in San Diego County. Coded words are utilized to give an investigation of food instability. This paper use coded words from transcripts of meetings directed in San Diego to recognize the causes and budgetary ramifications of food frailty. Theory The speculation is that few inhabitants of San Diego County in Califor nia who are confronted with food uncertainty have changed their spending and sparing propensities because of poor pay and increasing typical cost for basic items. A few people acquire pay rates which are insufficient to provide food for essential wares including food. Others are not utilized by any means. This is a genuine issue which adds to food instability in a few families (United Nations, 2003). The typical cost for basic items has ascended as of late. Expenses of essential wares have nearly multiplied in the last decade.Advertising Looking for report on business financial aspects? We should check whether we can support you! Get your first paper with 15% OFF Learn More Business proprietors have exploited the rising interest for food to enhance themselves. Expanded food costs sway adversely on low pay workers. The vast majority have quit sparing and balanced their ways of managing money. Strategy for research The examination technique utilized in this paper is coding. This strat egy is utilized to sort out and investigate catchphrases and expressions which are viewed as significant for the exploration. Consequences of the coding have been given. They were acquired from transcripts of meetings directed in San Diego County. Aftereffects of the examination are introduced on a page after the meeting transcript. Toward the finish of the examination, an end will be attracted to clarify if the speculation was upheld or not. The meeting utilized in the examination was directed inside thirty minutes (Berg, 2009). Meeting Transcript I am a multi year elderly person living and working in Bostonia town in San Diego County. I have developed in this town from youth when my family purchased a house here. My dad was utilized as a farm specialist Yes, I have a family, a spouse and two three kids, two young men and a young lady. I work in a cigarettes manufacturing plant. I have been working there throughout the previous 15 years and as yet standing. My activity isn't accept able in light of the fact that I procure a poor compensation. I would state 2008 was the most exceedingly terrible year which I encountered food weakness. In 2001, there was a genuine food deficiency in some store yet they were not costly as it was in 2008. I would consistently think and inquire as to whether daily would go without agonizing over nourishment for my family. The financial downturn contributed a great part of the rising costs. Here in Bostonia, food and other fundamental wares were pricey contrasted with some other year. The vast majority of my companions and partners were whining about costly nourishments and essential products however they despite everything went to stores and purchased them.Advertising We will compose a custom report test on Have Spending/Saving Habits Changed Due to Harsh Economic Times? explicitly for you for just $16.05 $11/page Learn More Generally here in Bostonia, nourishments stuff and different items were simply costly yet they were accessib le in stores and food outlets. Indeed, even as of now, there are bounty essential products however numerous individuals can't manage the cost of them due to low salary. Individuals who work in a store, manufacturing plant and farms heartland have poor compensation. Over the most recent ten years, there has been no critical compensation increase from most managers. Foreigners have given modest work making it hard for living arrangement of Bostonia to request compensation increase. No, entrepreneurs are not so much capable. I accept they sell their wares based of market rates since this issue isn't in Bostonia alone yet in addition in a few pieces of San Diego County. Now and then a year ago I went to Lake View to visit a companion and I discovered that they were additionally griping about costly food. He really revealed to me that they have begun to spend less cash on extravagance to empower them provide food for fundamental items. He additionally disclosed to me that numerous indivi duals with poor pay are confronted with food weakness. This isn't an instance of Bostonia alone. My child once companied about my ongoing changed consumption. My little girl has been additionally annoying to her mom to be taken her out throughout the ends of the week. My significant other also has had a portion of her gripes. I have not been taking her out every now and again as I used to over the most recent ten years. I have diminished my investment funds because of costly wares and danger of food frailty being confronted each and every day. Truth be told a few months I don’t spare by any stretch of the imagination. In my family, we have consistently had three suppers per day however as of late I have selected to skip lunch periodically to guarantee that I go through less cash since I have a poor compensation. This has empowered me to bear the cost of the considerable number of necessities of my family. My youngsters go to class where they are furnished with lunch. In spite of the fact that I in some cases skip lunch, my youngsters have their three suppers per day. My significant other has no proper business. Her main responsibility is to give infant sitting administrations. This activity isn't totally reliable.Advertising Searching for report on business financial aspects? How about we check whether we can support you! Get your first paper with 15% OFF Find out More She doesn't care for spending less in essential items yet I generally work her out. She comprehends in light of the fact that she knows everything is costly and we have to spend less cash on everything. No I am better than a great many people in Bostonia on the grounds that I have a steady activity in spite of the fact that with a poor compensation. Those individuals with no conventional work are confronted with food weakness day in day out. They are compelled to spend less cash on everything as a result of their low pay. A large portion of them don’t set aside any cash for sometime later. I heard that a few people in different towns were offered gifts to spare them from food uncertainty. Everyone accepted that in United States individuals shouldn't depend on food help yet because of costly products, individuals have been compelled to do anything which may assist them with surviving. Individuals here stay at work past 40 hours or do two distinct employments to build their pay. In any case, not every person land these additional positions. I have not maintained two sources of income for my entire life however I have stayed at work past 40 hours to expand my pay. My better half then again can achieve more than one assignment in a solitary day yet she doesn't generally land the positions When she isn't working she does her tasks at home including cooking and clothing. We cook in the house throughout the entire week. In some cases as a family, we eat in food outlets. Be that as it may, this possibly happens when we have something extraordinary to celebrate about. To cook guarantees that we spend less as opposed to eat in café which is costly. No we don’t spare a lot of when we cook in the house yet we guarantee that we stay away from the costly cafés. Food instability is an issue which ought to be definitely tended to by the legislature. Actually no, not through food help yet by enabling individuals to think of method of expanding their low pay or e nhancing their poor compensation. This will guarantee that they can in any case purchase the costly fundamental wares and stay away from food instability. Businesses also ought to improve the poor compensations they give their representatives dependent on their exhibition. Data. Code sheet Analysis The consequences of word coding show that theory of the exploration is upheld. Complete recurrence of catchphrases and expressions which were recognized is high. These words and expressions have indicated that the individual who was met is confronted with hard monetary time which has constrained him to diminish consumption. High recurrence of words likes ‘expensive’ and phrases like ‘spend less’ bolster speculation of this examination. Out of 16 words and expressions which were dissected, the most noteworthy five in diving request are; Expensive 11, Job 8, Food Insecurity 7, Poor Salary 6 and Spend less 5,. The numbers show that food instability is a major worr y to individuals in San Diego County. Nourishments have become costly constraining individuals to spend less cash on different necessities. This is on the grounds that nourishments expend the majority of their salary. Poor pay was additionally referenced as often as possible. This implies poor pay rates add to food weakness. The outcomes agree with a report from Food and Agriculture Organization of the United Nations, (2003) which notice poor pay and joblessness as the fundamental driver of food weakness. Most members referenced the word costly more than some other word or expression examined. As indicated by Jew

Violating Social Norms

For this task, I chose to disregard the social standard of not chatting on the telephone while viewing a film in a cinema. Before the film began, I tried my sister and requested that her call me during the film. At the point when she did as such, I continued to have a 2 brief discussion with her and talked boisterously so that everyone around me would see and be diverted. The individuals around me In the performance center were clearly disturbed by my conduct and irritated. A few people pivoted to gaze at me or murmured faintly to their friends.A not many Just shook their heads or moaned. The social standard of forgoing chatting on the telephone during In a cinema was a case of an unequivocal (For this situation), Injunctive standard. The standard was unequivocal in light of the fact that during the film sneak peaks, there was a promotion that read â€Å"Please no chatting on the telephone or testing during the film. † Through this promotion, everybody In the venue was made le gitimately mindful of the social standard. Not chatting on the telephone In a film is an injunctive standard since it is seen as the socially adequate and affable thing to do.It is seen that individuals support of this conduct since it shows regard and thought for the individuals who need to watch the film liberated from interruptions or unsettling influences. This social standard is ordinarily implemented through consistence. Regardless of whether an individual may initially think about chatting on the telephone in a cinema, they as a rule agree to the venue's straightforwardly expressed solicitation to not do as such in the pre-film â€Å"Please don't chat on the telephone or content during the movie† message. My infringement of this social standard inspired different systems of social control from those encompassing me.As referenced above, individual film watchers attempted to cause me to feel blameworthy for my â€Å"rude† conduct by squirming in their seats, uproa riously moaning, much of the time pivoting to gaze at me, and murmuring grievances to their companions. A lady toward the finish of my column even went to confront me and boisterously said â€Å"Really!? If it's not too much trouble get off your telephone. † During my infringement of a social standard, I felt incredibly awkward and reluctant. I felt like all the consideration in the auditorium was centered around me, and that everybody was adversely Judging me. Because of the threatening reactions around me, I let very assaulted, on edge and embarrassed.I needed to expel myself from the ungainly circumstance at the earliest opportunity. I figure the individuals around me In the cinema would clarify my conduct with the presumption that I have a conspicuous dismissal for other people. They would most likely property my infringement of the social standard to what they see as conceit, discourtesy, and social ponderousness since consistence with the standard of not utilizing your phone in a cinema endeavors to show goodness and worry for the happiness regarding others. Since I utilized my telephone and didn't attempt to control my volume, individuals consistently accepted that I Just couldn't have cared less about those around me.Violating Social Norms By calligrapher's would see and be occupied. The individuals around me in the performance center were clearly The social standard of ceasing from chatting on the telephone during in a cinema was a case of an express (for this situation), injunctive standard. The standard was express chatting on the telephone or testing during the film. † Through this promotion, everybody in the auditorium was made straightforwardly mindful of the social standard.

Do Reverse Mortgages Target the Elderly - OppLoans

Do Reverse Mortgages Target the Elderly - OppLoans Do Reverse Mortgages Target the Elderly? Do Reverse Mortgages Target the Elderly?A reverse mortgage can be a helpful financial solution for older Americans, but you need to know how they work before you agree to take one out.It’s still May and that means it’s Older Americans Month! It’s everyone’s favorite month to read about financial issues that face the elderly. That’s why today we’ll be talking about reverse mortgages.You may have heard about reverse mortgages. Maybe you were looking online for a way to supplement an elderly relative’s income or you were just watching the Game Show Network during the day.So what exactly is a reverse mortgage? Is it a recurring villain of the DC Comics superhero “The Mortgage?” No, you’re thinking of Flash and Reverse Flash. And unlike Reverse Flash, reverse mortgages seem to be advertised towards the elderly.Is this because it’s a scam that targets the elderly? Actually, the answer to that question is a resounding NO. But a reverse mortgage can be a big decision an d you or an elderly relative should learn all of the necessary details before considering signing on to one.Which brings us to our first question What is a reverse mortgage?The first rule of signing things is to never sign something unless you know what it is. (The second rule? Never use green ink.)“A reverse mortgage is a loan,” explained author and attorney M. Reese Everson. “95 percent of all reverse mortgages are Home Equity Conversion Mortgages (HECM), sponsored by the United States Department of Housing and Urban Development (HUD) (aka the government). When senior citizens own a home free and clear and have paid off their mortgage (or only have a small mortgage balance left) they are eligible to take out a HUD-backed reverse mortgage loan.The senior citizen can request to receive the money as a lump sum payment spread out over a monthly basis, or on an occasional basis through a line of credit. With the loan, the homeowner is borrowing against the equity in their home. T he collateral for the loan is their home.”So whereas a regular mortgage, allows you to gradually gain equity (or ownership) in a house over time, a reverse mortgage is giving up some equity in exchange for cash.A good choice for some.As Everson mentioned, only senior citizens are legally able to access reverse mortgages. That’s why you’ll only see them advertised to the elderly. And depending on an elderly person’s situation, it could be a good option for them.“Reverse mortgages dont ‘target the elderly.’” clarified reverse mortgage specialist Greg Cook. “Only homeowners 62 and older are eligible for the program. It is one of the most highly regulated loan programs available. Its not a scam.“The homeowner borrows money against the equity in their home. They are charged an interest rate but, unlike traditional forward mortgages, a monthly payment is not required. The borrowed funds plus interest are repaid when the homeowner passes away or otherwise leaves the hom e. A reverse mortgage does not affect their ability to bequeath the home to their heirs. Like any other loan, the reverse mortgage has to be repaid when that is done.“A reverse mortgage can be a good idea but it is not for everyone. HUD requires that prospective borrowers complete a homebuyer education taught by a certified HUD counselor prior to applying for a loan.“The FHA mortgage not only protects the lender but also protects the borrower and their estate. It is a non-recourse loan so if the home is worth less than the outstanding balance on the mortgage there is no residual liability to the estate. If the home is worth more than the loan balance, the heirs can sell the home and are entitled to the remaining equity.”Reverse mortgages also come with additional flexibility.“The greatest advantage is the range of options a reverse mortgage can provide,” explained Jennifer Harder, Founder CEO of Jennifer Harder Mortgage Brokers. “Payouts can be in the form of monthly pa yments, a lump sum or a line of credit. You can qualify even if you are still paying a traditional mortgage and the funds can be used at your discretion for whatever purpose you wish.”But not for others.As with any loan, you should do as much research possible before signing anything. Or before your elderly friend or relative signs anything, if you’re assisting them. You need to be certain it’s the right choice for their particular circumstances.“When shopping for a reverse mortgage, consumers should be aware that the interest rates on this type of loan are higher than others, and as that interest adds up over the years, the equity you hold on your home may decline,” warned Harder. “However, you dont have to make regular payments or pay tax on the money borrowed. This type of mortgage will also not affect Old Age Security or Guaranteed Income Supplement benefits you may receive, which could be why they are seen as being ‘elderly friendly.’ While it does reduce their monthly cost of living, the upfront costs can be much higher.“Consumers should also be aware of the fees, interest rates, and penalties that may be associated with a reverse mortgage. For example, you may incur a penalty if you sell your home within a certain period of time or the loan may end up being higher than the value of your home when it comes time to repay.”You should also be certain you’re working with a trustworthy reverse mortgage lender. You don’t want anyone who will try to pressure you or your elder relative into making a decision. As with any lender, only work with someone who is willing to be open and answer all of your questions in a straightforward manner without trying to push you into signing something you may be uncomfortable with.Reverse mortgages are an option with pros and cons. Whether they’re the right option will depend on your specific scenario.  To learn more about managing your finances in old age, check out these other posts and articles from OppLoans:Tips for Managing Your Money in Old AgeWill Post-Retirement Income Affect Your Social Security?Rocky Mountain High-Waisted Pants: What Are the Best States for Retirement?6 Ways to Earn Extra Money After You’ve RetiredDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.Visit OppLoans on  YouTube  |  Facebook  |  Twitter  |  LinkedIN  |  InstagramContributorsGreg Cook (@gregcook47) has been a licensed loan originator since 1981 and moved exclusively to reverse mortgages in 2016. He elected to focus on reverse mortgages because as a baby boomer himself, he felt he better understood the challenges facing seniors in preparing for a 20-30 year retirement. Looking out for his clients best interest has always been his primary goal as a loan officer. Taking out a reverse mortgage can be a retirement changing decision. He takes that responsibility seriously.Attorney M. Reese Everson  is a second-time author of her soon to be released book, “The B.A.B.E.’S Guide to Generational Wealth,”which details hard-earned life lessons with wealth building and inheritance, including taking out $100,000 in student loan debt, graduating during the Great Recession, trying to undo her grandmother’s reverse mortgage and being the target of inheritance theft. M. Reese Everson is formerly the Principal Attorney for the Everson Law Group. The Everson Law Group specialized in Corporate, Municipal, Real Estate and Asset Protection. M. Reese Everson began her legal career as American Bar Associate Fellow on behalf of the Nevada Attorney General’s office. In this role, M. Reese Everson was entrusted to assert Nevada’s right to share a $173M damages settlement from a multi-state class action lawsuit. M. Reese Everson’s proven legal expertise propelled her to be recruited by senior United States Congressional officials to serve as Legislative Counsel to some of the most senior elected members of the U nited States Congress.  M. Reese Everson used her legal skills on behalf of the House Financial Services Committee’s Capital Market and Government Sponsored Enterprises staff, where she also spearheaded a policy conference addressing the student loan debt crisis with world-renowned financial guru, Suze Orman. Ms. Everson received her Bachelor of Arts degree in International Relations from Michigan State University and holds a Juris Doctor and Certificate in International Law from DePaul University College of Law. She is a member of the Illinois Bar.Jennifer Harder (@JenniferHarder4) is a mortgage broker with over 30 years of management and sales experience. Throughout her mortgage career, Jennifer has helped hundreds of clients solve their financial challenges. Her motto is to focus on the clients needs above all else.

Ethical Implications Of Ethical Consumerism - 1552 Words

1.0 Ethical Consumerism 1.1 Definition The term Ethical consumerism, means that more customers prefer to purchase goods that are obtained ethically, made ethically and distributed ethically. According to Jacqueline Payne (2012), â€Å"An ethical consumer is someone who buys things that are produced ethically. Depending on the context, ethical production may mean producing something that is recycled, using labour that is produced in facilities without the use of slavery and child labour, or processing food that is raised organic or free range. If you buy one of these products, you could be an ethical consumer and not even know it†¦ or you may not be one. However, the whole point of the ethical consumerism movement is that you ‘know’ what you†¦show more content†¦For the purpose of this report, Apple’s ethical code of conduct and practices and how it affects not only profits but its reputation, shareholders and customer retention. 2.0 Apple Apple, Inc. is an American multinational establishment that designs and markets consumer electronics (Smart phones, MP3 players and tablets) computer software, and personal computers. Apple became popular with its Mackintosh line of personal computers. Over the years, Apple has gained a significant amount of global presence through the introductions of new dynamic products such as Ipad, iPhone and IPods. In May 2012, Apple exceeded the software giant Microsoft, securing the reputation of the largest and most valuable companies of all time (Forbes 2012). Apple has 424 retail stores in 16 different countries as well as an online store in 39 countries (Apple Inc. 2014) Apple s supplier responsibility program, has increasingly received public attention and criticism. The next section of this report will examine some of the scandals apple was involved with, and how it affected the business. 3.0 Apple Ethical Standards A majority of Apple’s products and components are manufactured in overseas factories in Asia. On paper, it states that all employees, both home and abroad, have safe working condition and are treated with utmost respect and dignity. They also claim to be environmentally friendly. On paper, this looks great, but was this the case in reality? The next

Was The Louisiana Purchase Constitutional Or Not - Free Essay Example

Sample details Pages: 4 Words: 1183 Downloads: 6 Date added: 2019/10/31 Category History Essay Level High school Tags: The Louisiana Purchase Essay Did you like this example? This paper will be about whether or not the Louisiana purchase was constitutional. The purchase would be permissible and implied under the Constitution treaty-making provisions. It would be argued by many that Jefferson stretched the Constitution to justify the purchase. Many people will argue if the westward expansion will cause more slavery and whose political and economic priorities were bound to conflict with those of the merchants and bankers of the north.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   The French have been expanding their land in America since 1862 when Ren? ©-Robert Cavelier lead his crew to the Gulf of Mexico and called it Louisiana. In 1722 New Orleans becomes the capital of Frances New World empire but 40 years they give part of the west to England and New Orleans and part of the east to the Spanish. The treaty of San Lorenzo which allowed Americans to traverse the Mississippi River and use New Orleans harbor duty-free was written in 1795. In 1803 France offers to sell Louisana to the United States and on December 20th France hands over Louisiana to the United States. Louisiana is not recognized as a state until 1821. Don’t waste time! Our writers will create an original "Was The Louisiana Purchase Constitutional Or Not?" essay for you Create order The Louisiana purchase was constitutional because it was enacted as a treaty. The Constitution specifically grants the president the power to negotiate treaties. Though the Constitution does not specifically authorize the executive branch (or any other branch of the government) to purchase land from other nations. Many people had faith in Thomas Jeffersons decisions involving the French because he spent a long time in France working on diplomacy and relationships with the French people. Thomas Jefferson is a man that lived by the constitution word by word. When the word got out that he was going through with the Lousiana purchase, it caused a lot of controversies. Many people deemed that the purchase was unconstitutional and call Thomas Jefferson out for being hypocritical. Instead, Jefferson contemplated a constitutional amendment as the best way to close the deal with France. The General Government has no powers but such as the Constitution gives it, he wrote. It has not given it a power of holding foreign territory, and still less of incorporating it into the Union. An amendment of the Constitution seems essential for this. His cabinet disagreed, specify James Madison, about the need for a constitutional amendment. With that being said, Thomas Jefferson already had a draft for the amendment and was frustrated with James Madison. Jefferson rationalized his decision for the treaty to be sent to Congress without an amendment by saying that he is buying it for the go od of the people. Any deal with France would be lawful and implied under the Constitutions treaty-making prerequisites. Many southern farmers saw the Louisiana Purchase as a huge chance to expand farms and increase their profits. Some wanted the land so bad that they wanted the government wage war to be able to secure free use of the soon to be Mississippi. Democratic republicans thought that Napoleon might change his mind given his reputation and choose another nation to take the land or may not even sell it at all. Some of the democratic republicans did not even want an amendment either because they knew that it would take too long it get it approved. They used the 11th amendment to prove their points stating that from March 4, 1794. It was not ratified until January 23, 1795 (over 11 months). Some were even xenophobes saying that the Louisiana Purchase would make the United States safer by getting rid the French, Spanish, and English. Specifically the French because of Napoleons expansionist tendencies. On the other hand, the Federalists had their opinions on why they believed the Louisiana purchase was unconstitutional. They argue that the constitution had no provision to allow the executive branch to purchase land from foreign countries. They also called Thomas Jefferson a hypocrite saying that he was against loose construction and that he had the option of creating an amendment but did not because he knew it would take too long. The Federalists did not want to add on to the growing national debt and was worried that the Louisiana Purchase would sink the United States economy. They were also scared that there would be states carved from the purchase that would ultimately benefit Jeffersonians and would grant Republicans enormous power over Congress. This meant that the south would be able to swing enough votes to be able to do as they please. And there would be more slave states from the purchase too. Some Federalists thought that the expansion to the frontier would somehow decivi lize the United States as a whole and other nations would look down on us. For some reason, they argued that the French and Spanish people that live in the soon to be United States territory have not consented to be fused into the United States. Even though they do not have a problem pushing the Native Americans around and incorporating them into the United States. The people that live in Louisiana would so far from the capital of the nation that it seemed that it would be near impossible to control and meet the needs of the soon to be enacted citizens. Federalists thought that this would eventually lead to the separation of the territory and cause a sort of civil war. A major concern was that everyone knew that Napoleon could not maintain control over Louisiana and he is afraid that England will take it over, which leads us to over pay. This is because the cost of Napoleons war made it necessary for him to offer Louisiana at an compelling price of $15 million dollars or approximate ly $.04 an acre. Many of the arguments made against Thomas Jefferson was primarily economic self-interest, not any legitimate concern over constitutionality. But, they wanted it to be posted as such to appeal to the majority and not the minority. The Louisiana purchase opened up a lot of free lands. That means that the newly acquired land is open for anyone to claim their stake. This really made parts of the north upset because they were hoping to sell these lands to farmers, who might go west. So much so that some New York and New England Federalists began discussing their regions secession from a union that was becoming too large and too different from the one they had helped form barely fifteen years earlier. But at the same time, there were some legitimate worries that with the Purchase comes New Orleans. That means that a lot of the crops that will be made in the southwest and parts of the west do not need the ports in New England anymore to be able to ship their goods. Federalists criticized the expense, arguing that the island of New Orleans and Spanish West Florida was more valuable and could have been purchased for much less. But they also argued that expansion west of the Mississippi would bring the creation of many hostile nations in North America. Hamilton prompted Jefferson to negotiate a new treaty with Spain to exchange the whole of Louisiana west of the Mississippi for East and West Florida rather Louisiana.

The Perks Of Being A Wallflower By Stephen Chbosky

â€Å"I just need to know that someone out there listens and understands and doesn’t try to sleep with people even if they could have. I need to know that these people exist† (Chbosky 2). The Perks of Being a Wallflower by Stephen Chbosky is a very moving coming to age story about a teenage boy named Charlie. The author, Stephen Chbosky noted, â€Å"The Charlie character is very personal to me. Not everything that he goes through is something I went through, and there are things that I went through that I did not include, but he’s very personal to me.† (Author information). This novel goes into many hard-hitting details about the struggles a young adolescent may face once they enter high school. The author uses certain experiences that Charlie has†¦show more content†¦They introduce him to partying, drinking, and drugs. In the novel, during the New Year’s Eve party he is introduced to LSD, he states â€Å"things were worse an hour ago, a nd I was looking at this tree but it was a dragon and then a tree, and I remembered that one nice pretty weather day when I was part of the air† (Chbosky 94-95). Charlie already struggles a lot with anxiety and depression and sees a psychiatrist regularly. The influence of drugs by his peers especially something as strong as LSD really can affect Charlie’s mental state in a negative way. Sam illustrates what Charlie goes through when he is on LSD by saying it is â€Å"what she called â€Å"the trance.† The trance happens when you don’t focus on anything, and the whole big picture swallows and moves around you† (Chbosky 102). This just shows that Charlie is willing to go to Sam for advice and hear what she has to say about his experience. Although this is not necessarily a good thing because he is allowing her to influence how he feels on the drug. Chbosky makes a strong social critique here by showing that the influences of peer’s actions can be harmful in some cases. When it comes to Charlie, he already has a hyperactive brain and being on drugs can be more destructive than good. He soon realizes this when he says, â€Å"I figured that it was about time to stop smoking so much pot† (Chbosky 154). This is when Charlie realizes and understands that the drugs he is doingShow MoreRelatedThe Perks Of Being A Wallflower By Stephen Chbosky Essay1317 Words   |  6 Pagesbanned book is a novel for young adults that was published in 1999, The Perks of Being a Wallflower by Stephen Chbosky. The book is about a young teenage boy named Charlie who is a freshman in high school. Charlie goes through a lot in his first year in high school from drugs, love, to suicide. The reason being that the book was banned; because of sex, drug use, and other inappropriate situations. The Perks of Being a Wallflower is banned by the complaints of many parents in their schools (Hadley JuniorRead MoreThe Perks Of Being A Wallflower By Stephe n Chbosky1240 Words   |  5 PagesA modern book that holds a great deal of sentiment within it is Stephen Chbosky’s novel, The Perks of being a Wallflower. The novel is about a young boy, Charlie, who has some anxiety about beginning high school especially after recently losing his friend, Michael, and he beings to write letters to an anonymous person. Charlie eventually becomes best friends with Sam and Patrick and goes through a lot of challenging situations that year. He deals with bullies, relationship problems, secrets, partiesRead MoreThe Perks Of Being A Wallflower By Stephen Chbosky1641 Words   |  7 PagesA modern book that holds a great deal of sentiment within it is Stephen Chbosky’s novel, The Perks of being a Wallflower. The novel is about a young boy, Charlie, who has some anxiety about beginning high school, especially after recently losing his friend, Michael, and he beings to write letters to an anonymous person. Charlie eventually becomes best fri ends with Sam and Patrick and goes through a lot of challenging situations that year. He deals with bullies, relationship problems, secrets, partiesRead MorePerks of Being a Wallflower by Stephen Chbosky Essay540 Words   |  3 Pagesâ€Å"....And in that moment, I swear we were infinite.† (Chbosky) The thoughts of a teenager are odd things, and even more odd are the thoughts of fifteen year old Charlie, the best friend of a boy who committed suicide. Charlie has been through a lot in his life, and during the book he goes through even more. He has grown up relatively normally up until the day his Aunt Helen died, that is when his life changed. He distanced himself and constantly put himself in the hospital. When the book beginsRead MoreEssay on The Perks of Being a Wallflower by Stephen Chbosky741 Words   |  3 PagesIn my book the Perks of Being a Wallflower, there are four main characters. Charlie, Sam, Patrick, and Mary Elizabeth. The way that the Author describes charlie is kind of like a sensitive young man who is trying to figure out what to do with his life. He doesn’t really have any friends because last year, his best friend died and his Aunt died in a car crash. Sam seems like a really energetic young woman who loves hanging out with her friends and listening to classic rock. I think that the AuthorRead MoreThe Perks Of Being A Wallflower by Stephen Chbosky Essay691 Words   |  3 Pagesmeets Sam and Patrick, to his last days of being a freshman. â€Å"And I’m Patrick. And this is Sam† pg-19. At first Charlie is worried about high school and his english teacher Bill fixes that quickly. He meets his two new best friends Sam and Patrick at a football game. He then went from there going through tough times. All though according to Charlie others have it worse. That’s when she told me she was pregnant.â€Å"-pg 116 Drugs, alcohol, and his sister being pregnant are all disrupting Charlie. ThisRead MoreThe And The Perks Of Being A Wallflower J. K. Rowling And Stephen Chbosky1404 Words   |  6 PagesPotter and the Philosophers’ Stone and The Perks of Being a Wallflower J. K. Rowling and Stephen Chbosky explore how their main characters travel on a journey of growth. Throughout both texts each author uses a variety of techniques to show how many of their characters grow from timid, lonely boys to confident, young men through the use of narration, descriptive language and theme of abuse throughout each novel, readers are able to see how Rowling and Chbo sky show their main protagonists’ journey ofRead MoreThe Struggles of Abuse in In Perks of Being a Wallflower by Stephen Chbosky1629 Words   |  6 Pagesalways lessons learned. 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Marketing Strategies and BCG Matrix

Question: Discuss about the Marketing Strategies and BCG Matrix. Answer: Introduction: BCG matrix is a method which was developed by the Boston Constructing Group to check the position of business investments in the market and the ability to get a large market share than the competitors. The method shows the business growth rate which is majorly attributed to the business attractiveness and the market share. The business market share is determined by the satisfaction of the consumers to the goods and products they receive. In addition, it shows the performance of the different brands of the firm and helps in decisions making on the brands to invest more and the brands to disinvest due to losses accrued (Ovidijus Jurevicius, 2013). Marketing strategy is how the organization can do business with the aims to achieve the organization goals. This is the way activities are carried out in a firm to increase its profitability and also ensure high growth levels are realized. It is simply how an organization becomes competitive in the market. Lazywater company produces a number of products and to ensure that the market share is big, the firm should use target market strategies. This would include selective specialization which is also differentiated strategy. This strategy ensure that different marketing mix are offered to different market segments. The company should check where each brand has more sales and specialize in that segments to be able to reduce cost and have more sales volume. (Dibb, Simkin, Pride Ferrell,2005, p.850) References Ovidijus, J. (2013). Strategic Management Insight: BCG growth-share matrix, Retrieved: Https://www.strategicmanagementinsight.com/tools/bcg-matrix-growth-share.html Dibb, S., Simkin, L., Pride, W. M., Ferrell, O. C. (2005).Marketing: Concepts and strategies(p. 850). Houghton Mifflin.

Aggregates and Social Aggregates in Sociology

Aggregates and Social Aggregates in Sociology Within sociology, there are two kinds of aggregates that are commonly used: the social aggregate and aggregate data. The first is simply a collection of people who happen to be in the same place at the same time, and the second refers to when we use summary statistics like averages to show something about a population or a social trend. The Social Aggregate A social aggregate is a collection of people who are in the same place at the same time, but who otherwise do not necessarily have anything in common, and who may not interact with each other. A social aggregate is different from a social group, which refers to two or more people who interact regularly and who have things in common, like a romantic couple, a family, friends, classmates, or coworkers, among others. A social aggregate is also different from a social category, which refers to a group of people defined by a shared social characteristic, like gender, race, ethnicity, nationality, age, class, etc. Every day we become part of social aggregates, like when we walk down a crowded sidewalk, eat in a restaurant, ride public transit with other passengers, and shop in stores. The only thing that binds them together is physical proximity. Social aggregates sometimes figure into sociology when researchers use a convenience sample to carry out a research project. They are also present in the work of sociologists who conduct participant observation or ethnographic research. For example, a researcher studying what happens in a particular retail setting might take note of the customers present, and document their demographic makeup by age, race, class, gender, etc., in order to provide a description of the social aggregate that shops at that store. Using Aggregate Data The more common form of an aggregate in sociology is aggregate data. This refers to when social scientists use summary statistics to describe a group or a social trend. The most common type of aggregate data is an average (mean, median, and mode), which allows us to understand something about a group, rather than considering data that represents specific individuals. Median household income is among the most commonly used forms of aggregate data within the social sciences. This figure represents the household income that sits exactly in the middle of the household income spectrum. Social scientists often look at changes in median household income over time in order to see long-term economic trends at the household level. We also use aggregate data to examine differences among groups, like the change over time in median household income, depending on ones  level of education. Looking at an aggregate data trend like this, we see that the economic value of a college degree relative to a high school degree is much greater today than it was in the 1960s. Another common use of aggregate data in social sciences is tracking income by gender and race. Most readers are probably familiar with the concept of the wage gap, which refers to the historical fact that women on average earn less than men and that people of color in the U.S. earn less than white people. This type of research is produced using aggregate data that shows averages of hourly, weekly, and annual earnings by race and gender, and it proves that despite legalized equality, interpersonal discrimination on the basis of gender and race still works to create an unequal society. Updated  by Nicki Lisa Cole, Ph.D.

Online Bill Payment and Conservation essays

Online Bill Payment and Conservation essays The Internet has presented us with many options for managing our lives and finances. Online bill paying has become a convenient way for people to pay their bills while conserving the environment. The purpose of this discussion is to examine how online bill paying helps the world's attempt to conserve. Our discussion will focus on how online bill paying conserves the use of paper products. In addition, we will discuss the challenges that online bill paying presents. Let's begin by defining According to an article in the journal, Economic Perspective, the "no longer uses the mail system as a delivery mechanism for bill presentment and payment initiation. Instead, it uses the Internet as a speedier and less expensive delivery infrastructure to present bills electronically. (6) With the percentage of U.S. households with Internet access having increased from 26.2 percent to 41.5 percent between December 1998 and August 2000 (U.S. Department of Commerce, 2000), Internet access to bill presentment and payment options is on In other words, online bill pay allows consumers to view their bills and pay them online. The consumer can pay bills using a checking account or a credit card. They can also make inquiries concerning their accounts Many large banks have embraced online bill paying as a part of their overall business strategy. Among the leaders in Online bill pay is Bank of America. The ABA Banking Journal reports that, "Bank of Americawhich made its EBPP free last year and phased in other technical alterations to simplify the user interfacelured some 200 odd billers on board and believes, overall, that sufficient progress is being made. In fact, BofA has experienced a 112% growth in bill pay service use since last year, notes Stephanie Smith, seni...

Business law - contracts, summary to UCC, and FIRAC on a case Essay

Business law - contracts, summary to UCC, and FIRAC on a case - Essay Example Besides, there is not evidence that can act as a proof. Yes, since Light did not produce the quality services, which they had agreed and contracted prior the start of the exercise. In addition, the liquidated damages were also evident in the contract, which they had instituted besides each swearing to fulfill. No. This is because after Hart had entered into a contract with Brand Smith Roofing, he wrote to them two times before and after contracting with Broadview Roofing & Remodeling Inc. Brand Smith Roofing did not respond and nowhere making efforts to resurface, but continued to make Hart wait indefinitely. Unfortunately, during the case ruling, the magistrate unlawfully favors Brand Smith Roofing. Since, he failed to enforce the compensation of damages incurred by Hart. Yes. Because, Creighton University after assuring Ross of undivided attention regarding helping him to improve the academic prowess, it prompted him do courses that could not enable in the attainment of a degree. These encompass marksmanship and theory of basketball, though, he had failed with a D (96/128 marks). The statute refutes the enforcement of goods worth $500 or over especially in the event of action or defense (LII). This is only applicable where there is an indication of a contract, which proves there was an agreement made besides the signature (by the complainant either via his broker or via the agent) that allowed occurrence of the intended transaction (subsection 1). Suppose the aforementioned case (subsection 1) entails merchants within a rational duration, there will be receiving of written confirmation against the sender (LII). Here, the recipient has the privilege of knowing its contents, which have to satisfy the above case where its objection will be by a written notice offered within ten days after receiving. Additionally, contract that does not effectively

Quiz 5 Essay Example | Topics and Well Written Essays - 250 words

Quiz 5 - Essay Example It makes no state gaining more power or strength against another. Imbalance in the powers results in joining of a weaker state to a stronger one from a significant external threat (Farrier 34) Interest group within the domestic policy plays major roles. Setting of government agenda and directing implementations become the main role. The groups also define opinions and effect decisions. The roles make the interest groups effective. The study by Burstein and Linton shows that the interest groups have impact on policy (Aggarwal 78) Utilization of task forces and study commissions enables president success. Complete investigation and research by the presidents enable utilization of their task force. The president also provide technical assistance to the peoples. Utilization is through ensuring that the presentations are balanced and informed. The presidents do not utilize the task force without focusing on economic growth, competiveness and job creation. Open mindedness in decision-making is one of the constituents of policy leadership. This is because it enables acceptance and evaluation of opinions from all the parties and work for the good of the whole. Another constituent is flexibility and adaptability. This component enables a leader to accept changes and situations and adjust to them (Kaiser 13). Additionally, good communication from a leader through listening, understanding the desires, problems and the needs of ones clients is important for any policy

My Motivational Touchstone Essay Example for Free

My Motivational Touchstone Essay I once spoke to a very well educated man whom I had never met before, have only spoken to him on the phone and found that he gave me some compelling thoughts that would change my life forever, He gave me courage and conviction that hopefully will make me whole again as a person. I am coming to the conclusion that I am writing a letter to myself and will be my personal motivational journal and success within myself. I could write for hours, days and weeks and tell a never ending story; however I must begin somewhere and end somewhere. My life of failure and true disappointments has been what I would call an educational disaster. I believe in the foundations of education, the roots of learning which stems from the roots of your soul and the passion in which you strive for. I pray for success and courage that I will make it. I want to do my best and like Florence Chadwick when she swam in the mighty ocean, she never saw the bottom, she only saw the shore line and sometimes that was even difficult, but with motivation, determination and most of all strength, she braved the darkest hours as well as the shining moments. Her arms and legs may have given out, but it certainly was her heart that did not quit. I will be brave in my mind, for I do not want my mental diseases to take over my heart and make me a quitter again. I have PTSD, and I have come up with an anagram for the 4 letters, Positive Thinking Shall Develop. This will be one of my motivation words that I will put by my mirror to make me smile and strive for that tassel of hope. I feel these two quotes represent my personality, the standards in which I live by and most of all, that I feel is motivation for me because it inspired me for two reasons, number one is education. I will find solace in knowing I have found my calling in health psychology with a concentration in PTSD and emotional, mental as well a physical abuse. (This happened to me). We cannot live better than in seeking to become better. † ? Socrates The roots of education are bitter, but the fruit is sweet. Aristotle The above quotes will forever be my shore line and the sand will never be rocky, only perfect with beautiful sea shells.

Renaissance Man and Renaissance Women Essay -- essays research papers

Between the 1300s and 1500s, Europe experienced a period of cultural rebirth known as the Renaissance, marking the transition from medieval times to modern times. The Renaissance brought new importance to individual expression, self-consciousness and worldly experience. The Renaissance man and woman characterized the Renaissance ideals. A renaissance man was a well- educated gentleman who had cultural grace, courage and who understood the arts and sciences. On the other hand, a Renaissance woman was supposed to marry well, be loyal to her husband and give birth to boys. The most famous Renaissance man was Leonardo Da Vinci who was born on April 15th 1452 in Florence, Italy. Da Vinci was truly recognized by many to be a Renaissance child and later a Renaissance man because of his many talents. He revealed his artistic talents at the age of 17 when he was hired as a studio boy to Andrea Del Verrocchio, the leading Florentine painter and sculptor of his day. In Verrocchio workshop, Da Vinci was introduced to main techniques, from the painting of altarpieces and panel pictures to the creation of large sculptural projects in marble and bronze. His ‘’Last Supper’’ and ‘’Mona Lisa’’are among the most widely popular and influential paintings of the Renaissance. At the same time his scientific interests deepened: his concern with anatomy led him to perform dissections. After a period of time, Da Vinci’s scientific research began to dominate his other activities so much that his artis...

Consumer Decision Making Process

A CONSUMER DECISION-MAKING PROCESS IN PURCHSING A CAR Research suggests that customers go through five stages in making decision on any purchase (The Engel, Blackwell and Miniard, 1990). The economic buyer theory published by South-Western college in 1997 () explained that all customers have full information, make comparison, are rational, they have limited resources to satisfy their limitless needs, and they want to maximise satisfaction (page). A person who intends to purchase a car, go through a five decision-making stages. These include; Problem recognition Information search Evaluation of alternatives Purchase Post-purchase behaviours In dealing with these processes, it is important to note that there are factors influencing individual decision-making process. The factors could be categorized into three; Individual factors Motivation Perception Learning Personality, self-concept, lifestyle Values, beliefs and attitudes Social factors Culture Reference group Opinion leaders Family Social class Purchase situation Reasons for purchase Time Physical surrounding A consumer, influenced by the above factors goes through the first stage; Problem recognition: An individual realises that something is not as it should be. Perhaps, for example, an individual goes to work on a commercial bus or train late because of constant delays in travel time, decides he needs a car. Once the problem is realised it goes to the second stage. Information search: In this stage a consumer engages in both internal and external information search. The internal search involves gathering information in his mind about cars he prefers. External search on the other hand involves finding information from friends, reviewing in customers reports, (for example, accelerator pedal faults on some Toyota brands reported by BBC on 28 January 2010), consulting different websites, and visiting several dealerships. Information could be as well gathered from brochures, catalogs and news coverage. Evaluation of alternatives: The car industry is a competitive market and gives consumers options to choose, ranging from brands, product features, fuel efficiency, balance, space and price, for example a car may have a low price and good fuel efficiency, but slow acceleration. If the price is inexpensive and fuel efficient, the customer may select it over a car with better acceleration that cost more and use more fuel. Purchase: The above stage in the decision-making process determine what happens in this stage. This stage is when the consumer makes the purchase of the car. Post-purchase behaviours: This is where the consumer considers his decision for justification. The consumer then seeks new information to reinforce and judge whether he had the right price and quality for his money. The consumer could avoid contradictory information or deliberately seek contrary information to refute. He could even revoke the decision by returning the car. Firms and organisations invented strategies to overcome cognitive dissonance through sending post-purchase letters, cards, advertisement, guarantees, warrantees, instruction booklets and refund policies. (Festinger, L. 1957) In conclusion, the study of these consumer decision-making stages will help firms and organizations to improve their marketing strategies. REFERENCES Brassington and Pettitt, (2006), _Principles of marketing, 4th ed. _ FT Prentice Hall. Charles W. Lamb jr, Christo Boshoff et al. (1997), Consumer Decision-making process, South-western college publishing. Engel, J. F. , Blackwell, R. D. and Miniard, P. W. (1990), Consumer Behaviour, Dryden. Festinger, L. (1957), A Theory of Cognitive Dissonance, Stanford university press. Lars Perner (1999-2008), Consumer Behaviour, Publish by university of Southern California, Business school.

Dimensional Fund Advisors Case Analysis Essay - 1337 Words

1) DFA’s investment strategy is based on their belief in the principle that stock market is efficient. They attempt to match a broad-based, value-weighted small-stock index and position themselves in the market as a passive fund manager that still claimed to add value by capturing specific dimensions of risks identified by financial science. DFA’s investment strategy incorporates elements of both passive and active management. It is passive in the sense that like many other index managers, it focuses on the importance of diversification, lower turnover and lower fees than actively managed portfolios. It is active in the sense that it develops its small-value stock focus based on academic research and uses certain techniques (such as†¦show more content†¦DFA’s trading strategy such as avoiding stocks if news announcements are coming in the near future or if stock has recently reported sales by insiders reflect a belief that stock prices can potentiall y not reflect all private information. DFA also does not accept the weak-form efficient because if stock prices only reflect all information in past prices, they would see the value of performance fundamental analysis of the firm they are looking at (but the case indicates that DFA does not performance fundamental analysis). 4) Fama and French’s three factor model attempts to explain the variation of stock prices through a multifactor model that includes a size factor and BE/ME factor in addition to the beta risk factor. 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