Millennials and Money Essays - Economy, Finance, Money,

Millennials and Money In today's world, most millennials in America have either attended public school, or they are in public school. The norm is that, after graduation, they would go on to college to further their education and advance in their dream career. Many millennials think the key to financial success is high academic performance, but really the key to financial success is learning and practicing financial literacy. Financial literacy is being educated on how money works. One may ask what money is:moneyis any verifiable record that is generally accepted as payment for goods and services; itis a medium of exchange for value. So, for money to work; one must know how to grow, manage and invest money wisely. Many millennials think getting a job with good pay and a fixed income is financial success, but soon they are challenge with the fact that their income is only coming though one source and if they become unemployed then they are in deep financial trouble. To truly have financial success you must have at least four sources of passive income, money that works for you. Wealthy people have assets that bring income, such as real estate, bonds, forex, stock, commodities, and derivatives. They also understand the difference between an asset and a liability. Assets put money in one's pocket, while liability takes money away from an individual. For example: leasing a house is a liability because it takes money from an individual, but owning a franchise is an asset because it puts money into a person's pocket. Money can bring Power, Freedom, and Security. Since these three things cannot be seen nor heard, this means being financially successful is really a mindset. To be financially free, you must first learn and practices these five traits.First you must control your expenses, especially by limiting your purchase on things that you want and only buy things you need so you can save one-tenth of your income for investments. Secondly,focus on profitable investments. Invest in something that is reasonable for you do not start putting your money in things you know nothing about or else you may lose everything. Thirdly,guard your investments from loss, by understanding how much risk you are taking before you invest. This is so important because, you will know your chances of profiting or losing it all. Most millennials who invest in stocks insure their investments by hedging it, and millennials who invest in properties normally put it under a cooperation's name, so that if the investment goes wrong, they will not be personally liable to their creditors. Fourthly insure a future income: when you are old, it is harder to find a job or even being able work. It is important to have passive income so that you and your family will not have to worry about how to pay the bills, instead you live financially free. Lastly, increase your ability to earn: do not spend all your profits from your investment on liabilities, instead use twenty percent of the profits to invest in more assets. This is how you multiply your wealth. I began investing though laying this virtual stock market game by myself, at first it was hard finding the perfect stock to invest my money, plus, I had to develop a strategy that shows me how long I will keep the stock; how much money to put in, and my backup plan just in case something fails. Even though it is fake money, I am practicing, so that when it is time to go live, I am prepared for it. To achieve my own financial success in ten years time, my dream is to invest in stock, commodities, derivatives, real estate, and mainly start my own private equity fund operating companies through leveraged buyout, venture capital, and growth capital. With the help of this scholarship I will further achieve my goals majoring in finance and teaching millennials about financial literacy.

Necessity Never Made a Good Bargain Essays

Necessity Never Made a Good Bargain Essays Necessity Never Made a Good Bargain Paper Necessity Never Made a Good Bargain Paper Necessity Never Made a Good Bargain John Steinbeck The Pearl is a story about a poor Indian, Kink, who finds a massive pearl. Kink plans to sell this pearl and pay for his sons education. He also plans to have a wedding in the church. Kink needs this money. Therefore when he shows his pearl to the buyers, the buyers have complete control. Kink can only make as much as the buyers pay. The buyers are all working together, so Kink Is going to get cheated. John Steinbeck once said, l know this A man got to do what he got to do (www. Goodness. Com). Kink has to sell the pearl, because he needs the money. Since It Is necessary to sell the pearl, Kink must settle. Kink however does not settle and In the end he loses his son and throws the pearl back Into the water. Necessity proves no help to Kink and so he makes no money. Pawn shops are handy when someone needs quick cash. Often people who go to a pawn shop are rather desperate for cash. Pawn shops use this to their advantage. People bring items in that the shop owner can purchase from them. The shop offers the seller a low price for the item they are trying to sell. In this situation beggars cant be choosers (anonymous). Most of the time the seller accepts the price and test ripped off However, they accept this, because they know they need the money and they have no other way to get it. Hotels have also caught on to this idea. They claim their hotel room mini bar is for the guests convenience; yet they make the prices of these items much higher than their value. People will get something out the mini bar when they need it. These people must pay the hotel twice as much simply because the item was a necessity. Necessity sometimes robs people, other times it is a good thing. When a soldier rushes onto the battle field, they need to be brave. Time has roved that soldiers fight better when they fight for a cause they believe in. When the soldiers are fighting for something they want very badly or need, they have do not fear death. Caucus Saluting Crisps wrote a book about the war of Catalina in it he said, Necessity makes even cowards brave (Assault 58). When people need a revolution or change, they know they must fight for it. People who would not normally fight are now willing to risk their lives because they need the change. The slaves of Haiti were able to overthrow the French and British armies because they were not afraid. They needed to win the war or they would be killed.

How To Monetize Your Content Marketing With Gini Dietrich

How To Monetize Your Content Marketing With Gini Dietrich You’re already putting a lot of time and energy into creating great content. So wouldn’t it be great if it could be making even more money for you? And it would be even better if you knew before you even posted it that it would be successful. When it comes to monetizing your blog, knowing what is going to appeal to your audience ahead of time is priceless. Today’s guest, Gini Dietrich, founder and CEO of Arment Dietrich, and the  lead blogger of Spin Sucks, is speaking to us today about content monetization. Gini is also the author of the book, Spin Sucks, as well as Marketing in the Round. If you’ve been thinking about how to bring in more money with your content, today’s episode is perfect for you!

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

Reading response - Article Example Poets like Yang Wanli (1127-1206) saw the natural environment as an art image brushed using paper and ink. This is the main reason for the utilization of visual images in the poems (Ortiz 257). The Cambridge illustrated history of China is attractive and historically significant. The author applies an integration of economic events and political history, through adequate analysis of; wide cultural changes, political institutions, demographics, religious history, and intellectual history. The author also adequately illustrates the western and the Chinese different perspectives on the past. The songwriters and thinkers were very anxious due to the inability of the Song government to realize adequate military dominance. The individuals who showed the threats of the northern neighbors did not adequately recommend the utilization of foreign styles. They strongly stressed Chinese cultural identity. Han Yu did not embrace Buddhism in china, because it was not Chinese or indigenous (151). Shie Jie explained that it was not appropriate for the Chinese to abandon their ancestors and the sacrifices provided to them. The controversial issues related to Chinese culture loyalty were ana lyzed by the song painters and also poets by the depictions of common stories of women of Chinese origin, forced to reside with the barbarians (Ebrey 150). Three Thousand Years of Chinese Painting describes diverse painting approaches; Neolithic petroglyphs images, early silk paintings, paintings of the landscape through the twelfth century literati, and the present day hand strolls. Chinese paintings always illustrates the abilities of enthralling. The book effectively studies the Chinese painting history that covers approximately three thousand years. The book applies several images of Chinese paintings to show historical trends of paintings. The

Strategic mangement for business building success Essay

Strategic mangement for business building success - Essay Example Further analysis in this report will go on to provide both SWOT and PEST analysis besides providing recommendations on the different ways through which the company can be improved to be exclusively competitive so as to acquire an advantage above the other companies offering similar structure of business within the same market. The production of crisps has been on the rise in the British market due to the increase in consumption of the vegetable crisps. Despite the clarified state of facts that UK has recorded increased consumption of crisps, study shows that close to six billion packets of the crisps are consumed annually in the United Kingdom alone thereby making the business more successful due to the high rates of consumption of its products. This report will be dealing with the understanding that the crisps company has been seen as highly competitive as observed from the perspective of the Tyrrells Company. The Company was founded in a court farm owned by the Tyrrells family in a place known as Herefordshire in the year 2002. It has always been recognized by a large base of customers for the types of tasty crisps that are hand cooked as well as vegetable crisps. The company also manufactures other relevant products that have witnessed an encouraging level of approval from the customer base within the market including savoury nibbles, popcorns and other premium snacks that are distributed around a large market through more than one country. The company has been distributing their products to many distributors and stores in the United Kingdom through distribution channels which have also been expanded into an international business venture supplying other markets such as France, North America, Netherlands and Germany amongst other large market bases around the world. This company has employed close to 270 employees and the company has managed to generate more than 100 million pounds in their retail sales and

Media Studies Help Essay Example for Free

Media Studies Help Essay

Polymers :: essays research papers

Polymers are large molecules composed of smaller molecules called monomers. Monomers are produced and either grow together or are assembled to produce a single polymer. There are synthetic and natural polymers. Some examples of natural polymers would be wood, starches, fingernails, and hair. Synthetic polymers are usually referred to as plastics. Petroleum, is the primary monomer used to produce polymers. An English chemist named Alexander Parkes was the first scientist to produce the first synthetic polymer in 1862. John Wesley Hyatt, an American, was the first person to produce a useable polymer two years later. He named the product celluloid. The prime virtue of polymers is a high strength-to-weight ratio. Industrial-strength polymers surpass titanium in tensile strength. To add strength and improve flexibility, polymers are sometimes fortified with short-fiber additives, mostly fiberglass. This is known as a polymer composite. One particular polymer has three times the strength of tempered steel and is being used in bullet proof vests. Another composite will be used to fasten together the sections proposed space stations. Polymers have also been used in cars, including the Chevrolet Camaro and the Pontiac Fiero. New polymers are being created with more strength and flexibility by combing two chemically different polymers and producing a block copolymer. Combinations of block copolymers and composites and intended for use in booster rockets and in materials of Earth-orbiting installations. Most common polymers are usually solid, but a new class of polymers is being introduced in a liquid crystal state. Although these polymers still have the physical characteristics of liquid, they are structured more like solids. Many liquid crystals are transparent at one temperature and colored at another temperature. This makes them suitable for use in liquid crystal displays, such as in digital watches, hand-held calculators, and lap-top computers. A new liquid polymer, consisting of a mixture of iron and nickel, is being used to make metal links that can be used in paper, glass, and on electronic circuit boards. Despite the development and widespread use of

My Favorite pace

My Favorite Place My favorite place is very general. It is very peaceful, and is full of nature. So the beach is my Favorite place that I always like to spend my time there, especially one vacation during summer. I still Remember the time I went to the Sihanouk Ville beach for a week, and people another countries, people In Cambodia enjoy going there So Much. As it a common on place to visit, it is a good place for people who ant to spend time on vacation for relaxing with fresh air and enjoy eating fresh seafood.These are also the reason why I like to go there. In additional, there are many more reason that I really like about going to the beach. For the first thing, I love the summery at the beach it is as beautiful as the painting of an arties. I can see a huge, endless sea, and the horizon between it. And the beautiful, bright, blue sky. It could not stop me from taking pictures of this beautiful view. A1 so, I like to have my picture taken when i go to there as well.Beside this, there are fresh air at the beach. Which I like from the beach. I can smell the salt air and fell it through have moving my clothes and hair back and forth. It is a helpful fresh air which is excellent for our health, as the doctor has comment def. I like sitting on the beach looking to the sea and taking long breath to get the fresh air in and out. Sometime smell of seafood grill passes through my noes while some mellers work around selling them.This smell makes stop to buy all those grill seafood. I am really want to eating seafood there because they are fresh and so yum. Looking forward to the sea, I can hear the other hand. It is a quiet place at night. Through the darkness, I can see the brightness of the moon and stars in the sky and hear the sound of the sea waves. I love to lie down in the night at the beach looking at them because they give me calm and peaceful.

Quantitative Analysis of Salicylates by Visible Spectroscopy

Introduction: The purpose of this lab was to learn how to use a spectrophotometer to measure the amount of light absorbed by different concentrations of salicylic acid, compare those concentrations to our unknown sample and to use the data collected to compile a graph showing the levels of absorbance of the different concentrations. Methods and materials: In this lab we used a spectrophotometer, a test tube filled with water to be used as a blank, six test tubes with different concentrations of salicylic acid ranging from 0 mg/dL to 5 mg/dL and one test tube with an unknown concentration of salicylic acid.We set the spectrophotometer to a wavelength of 540 nm. We adjusted the transmittance to 0%. Next we placed the test tube with the water into the spectrophotometer and adjusted the transmittance dial to 100%. We removed the test tube containing the water and replaced it with the first concentration of 0 mg/dL. We recorded the absorbance and repeated the test for a total of 5 reading s. We did this for each concentration. We then calculated the average of each concentration’s absorbance readings and plotted the averages onto the graph.Once we had gathered the data for our known concentrations we then repeated the procedure for our unknown concentration. We again took the average and plotted that on the absorbance curve to determine the concentration of the unknown. Observations and Data: Calibration Standard| Absorbance Reading 1| Absorbance Reading 2| Absorbance Reading 3| Absorbance Reading 4| Absorbance Reading 5| AverageAbsorbance Reading| 0 mg/dL| 0. 007| 0. 010| 0. 007| 0. 005| 0. 006| 0. 07| 0. 5 mg/dL| 0. 032| 0. 036| 0. 037| 0. 041| 0. 038| 0. 037| 1. 5 mg/dL| 0. 098| 0. 100| 0. 098| 0. 099| 0. 096| 0. 098| 2. 5 mg/dL| 0. 150| 0. 149| 0. 153| 0. 154| 0. 150| 0. 151| 3. 5 mg/dL| 0. 234| 0. 239| 0. 237| 0. 250| 0. 229| 0. 238| 5. 0 mg/dL| 0. 286| 0. 287| 0. 288| 0. 292| 0. 291| 0. 289| Unknown A| 0. 241| 0. 238| 0. 239| 0. 241| 0. 241| 0. 239| Base d on the data from the known concentrations I found our unknown to be a concentration of 3. mg/dL. Conclusions: We used a spectrophotometer to determine the concentration curve for the known samples then used both the spectrophotometer and the concentration curve to determine the concentration of the unknown sample. This technique can be used by toxicologists to determine the amount of drugs in a person’s blood. This can be helpful if there was an overdose or if the district attorney needed to know the concentration of drugs in someone’s system.

book review on Mancur Olsons essays

book review on Mancur Olson's essays Mancur Olson, wrote The Logic of Collective Action Public Goods and The Theory of Groups, throughout the book Olson discusses such topics rationality, group size and group behaviour, public goods, free rider, collective action problem, and selective incentives. Olsons world-renowned book is full of useful knowledge and opinion concerning world politics. After reading this valuable text I feel both enlightened and baffled concurrently. Olsons beliefs in the political system seem to be without the human factor. His theories appear to leave out the complexity of the human psyche. Olson fails to analyze the fact that people may join a political group for such things as social stature, socialization, or just for something to do. In conjuncture with Olsons theories, people join or start groups for specific reasons. Olson states that one purpose for groups and organizations is simply the furtherance of the interests of their members (Olson 5). Groups are usually formed to further an issue or goal, so thus if a group works toward a common interest and is successful in making advancements towards that interest, in theory the members should be pleased. This brings us to the term public or collective goods. A collective good can be construed as a good held by no single person and shared by a group. Olson says, . . . the achievement of any common goal or the satisfaction of any common interest means that a public or collective good has been provided for that group (Olson 15). For example, if the People for the Ethical Treatment of Animals (PETA) lobby for a bill that protects the killing of minks for fur, then that bill has become a collective good for PETA. Collective goods are in essence the achievements made by a group. Olson discusses in his book the theory of pluralism. In Chapter five he defines pluralism as the political philosophy which ...

Science Fair Project Ideas That Use Salt and Sugar

Science Fair Project Ideas That Use Salt and Sugar Here are ideas for science fair projects you can do using salt or sugar: How is the speed of sound affected by the salinity of water?Investigate the different types of salt used as de-icing agents. Which is the most cost-effective? Safest for the environment? Best at preventing ice formation? Under what condition?Grow table salt crystals. How is crystal formation affected by the  rate of cooling? Saturation of the starting solution? Other factors? Other crystals you can test include sugar crystals and Epsom salt crystals.You can make a density column by making solutions with different concentrations of sugar. How is the index of refraction affected by the concentration of sugar? Can you relate the angle by which light is bent to the concentration of the solution? Is the angle by which light is bent affected by the temperature of the solution?Which material increases the conductivity of tap water best? salt, sugar, or baking soda? What happens if you change the concentration of the solution?There are many types of salt available at most grocery stores, i ncluding table salt, rock salt, and sea salt. Other salts you can find include Epsom salts, potassium chloride (lite salt), and baking soda. Which type of salt works best for making ice cream in a baggie? When you crush sugar crystals you can cause them to emit light. This is an example of triboluminescence. Examine triboluminescence of sugar crystals, Wint-o-Green Lifesaversâ„ ¢, and other candies. Which produces the brightest spark? Does the ability to produce light seem affected by other facts, such as humidity?

Crisis Intervention Lesson Plan Essay Example | Topics and Well Written Essays - 7250 words

Crisis Intervention Lesson Plan - Essay Example 1). The primary goal of crisis intervention is to "help subjects in crisis defuse their emotions, lowering the potential for violence in an incident and buying time for better decision making and tactical preparations" (Regini, 2004, p. 1). Crisis negotiations is not a solution to ones problems rather it is a means to calm the subject enough to find other short term means of coping with their perceived stressors short term to end the current crisis situation with minimal force. Before discussing specific instances where crisis intervention is utilized, a brief understanding of the key skills involved in crisis intervention will be outlined as follows: empathy, active listening, being nonjudgmental, and setting of boundaries, the ability to restate the subject's often emotional ideas and thoughts, and problem solving skills. One of the basic tenets of crisis intervention understands and recognizing the range of motions involved in crisis situations. To one degree or another each of us has experienced fear, rejection anger, frustration and depression. This basic human understanding coupled with the skill set listed previously and a police officers tactical knowledge will enable him to effectively deal with a crisis situation. Em Empathy is not a static behavior nor is it merely showing sympathy or pity for the subject's actions or situation. Empathy involves both listening and understanding the subject's current situation. It does not mean that there is necessarily agreement or disagreement merely understanding. The goal of empathy is to develop a means of communicating which enables the subject to develop trust. According to Regini (2004) without some level of trust between the police officer and the subject there can be no peaceful resolution of the situation. To achieve this trust, it becomes obvious the empathy involves the use of active listening skills in order to facilitate the bond between the police officer and the subject. As the term implies, active listening is more than listening to the subject and nodding in approval. Active listening requires demonstrated behaviors by the officer. Without communication no trust can develop; therefore, active listening involves engaging the subject into communication and maintaining that communication. Allowing the subject to vent eases the emotions the situation and begins to allow him to focus on dealing with the short term problem, not escalating the current situation. One of the primary techniques of active listening is reflection - restating what the subject has said and the emotions that are interlaced with it. According to Regini (2004) the FBI has found eight strategies of active listening all of which involve reflection that have proven to be very effective in diffusing a highly charged, volatile situation. These include: Emotion Labeling Paraphrasing Reflecting/Mirroring Effective Pauses Minimal Encouragers 'I' Messages Summarization Open-ended questions/statements (p. 3). One of the most critical aspects of developing trust through empathy is the ability