Monday, August 24, 2020

Dreams of Aviation essays

Dreams of Aviation expositions Since the time I was only a youth I have consistently had an interest with planes. At the point when I took my first stumble on a plane I was extremely uncomfortable with it. At that point they carried me into the cockpit and let me see all the instruments and we discussed how planes functioned. My feelings of dread all transformed into interests and I understood how unwinding being noticeable all around truly was. After that I was practically certain that I needed to engage with planes. I got some answers concerning a program that could assist me with getting progressively engaged with planes and possibly assist me with getting a profession in a flying field of work. The program I got into is called Civil Air Patrol. Common Air Patrol (CAP) is an Air Force assistant that completes non-battle missions in the interest of the U.S Air power. The normal time of individuals in my group is 15. The gathering has developed from 14 enrollees a year ago to 20 straightforwardly after the 9-11 calamity. The program shows Aerospace, initiative, and general abilities essential in crisis circumstance. For instance, the CAP is answerable for most hunt and salvage crucial the United States. We learn abilities in mock missions called SAREXs. (Search and Rescue Excercises) I joined CAP since I needed to create individual control. Top permits me to get also practice individual control. I acquire awards when I complete assignments and tests. These decorations demonstrate that I have finished the fundamental abilities expected to endeavor further developed aeronautics preparing programs sooner rather than later. The program has helped improved my confidence and I realize that I am a piece of an esteemed group in my locale. I additionally joined in light of the fact that sometime I seek to be a pilot with my own contract plane organization. Later on, joining the Air Force could help me by permitting me an opportunity to promote my insight into airplane and furthermore experience airplane direct, and furthermore assist me with acquiring flight hours. The Air Force would be an advantage to me since I would be around numerous others with s ... <!

Saturday, August 22, 2020

Up-to-Date List of Essay Topics on Big Data You Can Choose from

Forward-thinking List of Essay Topics on Big Data You Can Choose from Forward-thinking List of Essay Topics on Big Data You Can Choose from We wager that you hear the expression â€Å"big data† for all intents and purposes everywhere. Be that as it may, do you know what it truly implies? On the off chance that you do, at that point bravo. On the off chance that you don’t, no concerns, we will separate it to you. Enormous information is a section of IT that manages assembling, preparing and putting away huge lumps of computerized data. They are enormous to such an extent that you can’t simply put them inside an Excel record and break down. You need skilled specialists in this field and exceptional programming to manage all the information. It is fascinating that during the most recent two years individuals made a larger number of information than during the entire time of human race presence. Truth be told, it’s getting so large that in 2016 Amazon made interesting trucks with compartments: one such trailer can house 1 million gigabytes. These tractor vehicles are intended for organizations that have film vaults, enormous databases of satellite pictures, and so on. Would you be able to envision? Uncommon trucks. The subject of enormous information is exceptionally well known these days, so it will be no big surprise when one day you will get an assignment where you should expound on it. Also, for such a case, we’ve made a rundown out of article subjects with 20 example thoughts that will splendidly work for the scholarly paper. Regarding Big Data as Your Most Valuable Asset Information Collection Methods and Their Pros Cons How Big Data Made Trump the President of United States Cambridge Analytics and Brexit: Which Role Did Big Data Play in Reshaping the EU? The Dangers and Threats of Big Data as indicated by Michal Kosinski AI and Big Data How Big Data Can Solve the Problem of Visually Impaired People The Mechanics of Hadoop †the Platform Able to Analyze Big Data The Prospects of Data Engineering Profession in the Next 5 Years The Importance of Managing Data and the Consequences of Not Controlling It By what method Can Artificial Intelligence Help to Manage Big Data? Enormous Data in Baseball: The 2013 Victory of Pittsburg Pirates Step by step instructions to Avoid Information Overload in the Big Data World Profound Learning Regarding Big Data and Linguistics Computerized reasoning Analytics Used for Retail Companies in the nick of time for Holidays The Internet of Things and How Data Is Gathered Through Each Device We Use Information Mining: the Analysis of Social Media Fundamental Big Data Tendencies for 2018 (AI, Cloud Trends, Analytics, IoT, and so on.) How Predictive Analytics Can Improve Company’s Service Provision Large Data as a Service (BDaaS): Origins and Current Status You can utilize these example themes to compose papers. Enormous information merits expounding on, and if your teacher gives you such an errand, you are very fortunate. In the event that he/she doesn’t consider such themes, you can generally make your own proposals. Don’t be worried about the possibility that that your educator will turn down your proposition. Indeed, you’ll never know how he/she will respond in the event that you never attempt.

Friday, July 17, 2020

Does Renting Your Home Really Mean Youre Throwing Money Away

Does Renting Your Home Really Mean Youre Throwing Money Away Does Renting Your Home Really Mean Youre Throwing Money Away? Does Renting Your Home Really Mean Youre Throwing Money Away?There are many benefits to home ownership, but its supremacy over leasing isnt nearly as clear-cut as some would have you believe.It’s a question as old as real estate itself: Should you rent or buy? You need a place to live, and those are generally the two options. So which option is better? That’s what you’re reading this article to find out!Of course, there isn’t just one answer that would fit every situation, or else you probably would have learned that answer before coming to this article. However, some people lean far more towards one option than the other.In fact, you may have heard people say that renting a home or apartment is “throwing your money away.” But is it actually? And why would they say something like that?Let’s find out!Homeownership means home equity.  On a basic level, you likely already know the difference between renting and buying something. Typically, if you’re purchasing an item, y ou’ll own that item after you pay money for it. If you’re renting it, then you get to use it for as long as you’re willing to regularly pay for the use.When it comes to a home or apartment, few people will be buying a property with one big lump sum of cash. It’s far more likely that a buyer will take out a mortgage, which is a loan used to pay for a house. The loan is paid down monthly and accrues interest while the home acts as collateral, meaning it will be seized by the bank if the owner can’t make their payments.“When buying a home you can take advantage of tax breaks such as deductions on interest rates and deductions on annual real estate taxes paid based on the assessed value of your property,” explained the experts at Redfin (@Redfin). “Homeowners pay monthly mortgage payments, gradually reducing the principal mortgage amount over time while the property keeps on increasing value, and you as a homeowner can build equity and increase your stake of ownership in the property with every payment.“And if you decide to sell your house you will get enough money to pay off the loan, and earn a little extra that you can use to purchase another house. In contrast, renters still make a monthly payment, but these funds do nothing to contribute to the renter’s long-term wealth.”Because renters do not build equity, many people will claim that renting is “throwing money away.”But there are benefits to renting, too.Of course, renting is not literally the same as throwing your money away. If spending money on something you will not own forever is throwing it away, then why have we been burning cash on all of this worthless food every day?In fact, not only can renting be the more sensible choice in many situations but owning tends to have its own forms of “throwing money away.”“Many people think renting is ‘throwing your money away’ but every person’s situation is different,” advised Ivan Chong, founder of Lazy Finances (@Lazy_Fina nces). “If you plan on moving every few years, renting might make sense over buying. Every time you buy/sell a house, you get hit with closing fees which are a significant amount of money. Mortgage interest, property tax, and homeowner’s insurance are all ‘unrecoverable expenses’ similar to rent, though you can deduct some of them off of your taxes. These effects are amplified in high cost of living areas.”Even if you are certain you want to own a home, that doesn’t always mean the present is the best time to buy one. If the time is not right to buy a home, then renting will actually save you money in the long term, not waste it.“The housing market fluctuates. If you need to sell it is possible that the market may be flat, and you can lose out on your investment,” explained Jared Weitz (@jaredweitz), CEO and Founder of United Capital Source Inc. “Fight this off by following the general rule of looking to buy a home when the interest rates are low, and the market is heading down. There are many hidden costs of home ownership, and renting shouldn’t always be looked at as ‘throwing money away.’“If you plan to spend less than three years in a home and have minimal money saved for a down depositâ€"look at renting. Unless you have 20 percent of a home cost available for a down payment, you will need to also factor in mortgage insurance payments.Additionally, if you look to buy in a condominium or housing community, HOA and maintenance fees will be included in your monthly payment. This adds additional cost to home ownership, making renting more appetizing while you save up.”Figure out what makes sense for you.One of the worst real estate choices you can make is one that you feel pressured into, against your better interests, because of generalizations you’ve been told.“The biggest mistake I see people make is buying a ‘starter home’ simply because they’re ‘sick of throwing away money’ or they feel pressure to take the next s tep into adulthood,” warned Stephen Caplan, financial advisor at Neponset Valley Financial Partners. “All sorts of evidence suggests that many young people end up regretting their home purchase because they didn’t know exactly what they were getting themselves into.The longer you live in a home, the more likely you are to reap the benefits of homeownership. On the flip side, your home purchase can turn into a disaster if your time horizon is too short.”Want to hear about someone’s personal experience navigating these choices? Here you go!“For myself and my husband, we chose to rent for the first 4.5 years of our marriage,” recounted Amanda Kintz, of Crunchy Hippie Life (@MsCrunchyHippie) and author of Dirt Cheap Adult: A Millennials Guide to Life on a Budget. “Renting allowed us options to move almost painlessly to different opportunities as they became available, rather than waiting and stressing about having to sell a house.It also significantly lessened the burden on us as a newly married couple building up their bank account since we didnt have to find things like emergency repairs or home improvements.“While we do own a home now, we are very thankful for the time we spent renting as it allowed us the freedom to save money and explore job opportunities (including moving to three different states!). I know we would not have been able to do that if we had been homeowners.”Older homeowners might be better off renting.It’s always a good idea to examine the specifics of each situation, rather than trying to adhere to general rules. For example, you might think an older person who is not planning to move would be the ideal candidate for home ownership, assuming they can afford it. But that’s not always the case.“As it relates to older clients I will often recommend renting instead of buying especially for second or vacation homes,” explained T. Eric Reich of Reich Asset Management. “Even renting a primary residence can be smart for older clients. My argument for renting is that while you may be physically able to maintain the home today, will you still be able to in 10-15 years?For a 65-year-old, many can’t answer that question confidently. The downside, of course, is that the rental could be sold and you could have to move at an age when you are least inclined to do that so it depends on the rental.“Personally, I’m not going to be climbing ladders or mowing lawns at age 80+ and hiring someone to do that work only adds to the cost of ownership. I’d rather see that money in their pocket working for them instead.As to the concern of leaving your house to your kids, I understand that most everyone wants to do that for their heirs yet almost no heirs actually want it, or if they do, they can’t afford it or afford to buy the other heirs out of it. What heirs really want is cash, not the house and all the issues that come with disposing of it.”Figuring out the best choice for you may not be as snappy a s logan as “renting is throwing your money away.” It does, however, have the benefit of being true more often. To learn more about housing-related financial issues, check out these other posts and articles from OppLoans:A Thrifty Person’s Guide to DownsizingHow Much Money Do You Actually Need to Buy a House?Is Rent-to-Own a Good Way to Purchase a Home?How You Can DIY Your Way to Cheaper Home MaintenanceDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsAfter spending nearly four years in New York City as an investment consultant, Stephen Caplan moved back home to the Boston area in August 2016 to join  Neponset Valley Financial Partners as a wealth manager. Upon his return, it soon became obvious to Stephen that one particular issue was affecting the financial lives of fellow millennials much more than anything else: student debt. Stephen has since become an expert on student loan r epayment planning and recently earned the Certified Student Loan Professional (CSLP) designation. His practice focuses on helping young professionals integrate personalized student loan repayment strategies into long-term financial plans.Ivan Chong is a tech executive based in Silicon Valley. Ivan started  Lazy Finances (@Lazy_Finances) to help busy people like himself better understand personal finance and to show them ways to lazily save on their everyday expenses.Amanda Kintz (@MsCrunchyHippie) is a Registered Nurse. After living on an income of just $16,000 with her husband in 2014, Amanda discovered a passion for educating and empowering people to live a lifestyle of wellness in both body and finances. Her creative ideas for living a healthy and financially free life can be found on her blog, CrunchyHippieLife.com, and her new book, Dirt Cheap Adult: A Millennials Guide to Life on a Budget, now available on Amazon and Barnes and Noble.com.Redfin (@Redfin) invented map-based rea l estate search in the US. Then they hired their own agents to put consumers first. Redfin Agents are accountable for helping clients buy and sell the right home, at the right price.Eric Reich is President and founder of  Reich Asset Management, LLC. He relies on his more than 20 years of experience to help clients have an enjoyable retirement. Using his Enjoyable Retirement Solution, Eric helps retirees maximize retirement income while preserving their principal. He believes that, for many retirees, preserving principal is more important than trying to beat the market. Eric is a graduate of the Richard Stockton College where he earned a Bachelor of Arts in Business Management. He has since become a Certified Financial PlannerTM professional, obtained his Certified Investment Management AnalystSM (CIMA ®) and earned his Chartered Life Underwriter ® (CLU ®) and Chartered Financial Consultant ® (ChFC ®) designations.Jared Weitz  (@jaredweitz)  has been in the financial services indust ry for over 10 years. Due to his extensive work experience and deep network of close financial relationships, he handles a multitude of different finance options for his clients and contacts. Over the years, he has held positions in some of the largest business financing companies in the U.S. Some of his roles have been: Underwriter, Director of Business Development, Managing Partner and currently, CEO of  United Capital Source, LLC. Does Renting Your Home Really Mean Youre Throwing Money Away Does Renting Your Home Really Mean Youre Throwing Money Away? Does Renting Your Home Really Mean Youre Throwing Money Away?There are many benefits to home ownership, but its supremacy over leasing isnt nearly as clear-cut as some would have you believe.It’s a question as old as real estate itself: Should you rent or buy? You need a place to live, and those are generally the two options. So which option is better? That’s what you’re reading this article to find out!Of course, there isn’t just one answer that would fit every situation, or else you probably would have learned that answer before coming to this article. However, some people lean far more towards one option than the other.In fact, you may have heard people say that renting a home or apartment is “throwing your money away.” But is it actually? And why would they say something like that?Let’s find out!Homeownership means home equity.  On a basic level, you likely already know the difference between renting and buying something. Typically, if you’re purchasing an item, y ou’ll own that item after you pay money for it. If you’re renting it, then you get to use it for as long as you’re willing to regularly pay for the use.When it comes to a home or apartment, few people will be buying a property with one big lump sum of cash. It’s far more likely that a buyer will take out a mortgage, which is a loan used to pay for a house. The loan is paid down monthly and accrues interest while the home acts as collateral, meaning it will be seized by the bank if the owner can’t make their payments.“When buying a home you can take advantage of tax breaks such as deductions on interest rates and deductions on annual real estate taxes paid based on the assessed value of your property,” explained the experts at Redfin (@Redfin). “Homeowners pay monthly mortgage payments, gradually reducing the principal mortgage amount over time while the property keeps on increasing value, and you as a homeowner can build equity and increase your stake of ownership in the property with every payment.“And if you decide to sell your house you will get enough money to pay off the loan, and earn a little extra that you can use to purchase another house. In contrast, renters still make a monthly payment, but these funds do nothing to contribute to the renter’s long-term wealth.”Because renters do not build equity, many people will claim that renting is “throwing money away.”But there are benefits to renting, too.Of course, renting is not literally the same as throwing your money away. If spending money on something you will not own forever is throwing it away, then why have we been burning cash on all of this worthless food every day?In fact, not only can renting be the more sensible choice in many situations but owning tends to have its own forms of “throwing money away.”“Many people think renting is ‘throwing your money away’ but every person’s situation is different,” advised Ivan Chong, founder of Lazy Finances (@Lazy_Fina nces). “If you plan on moving every few years, renting might make sense over buying. Every time you buy/sell a house, you get hit with closing fees which are a significant amount of money. Mortgage interest, property tax, and homeowner’s insurance are all ‘unrecoverable expenses’ similar to rent, though you can deduct some of them off of your taxes. These effects are amplified in high cost of living areas.”Even if you are certain you want to own a home, that doesn’t always mean the present is the best time to buy one. If the time is not right to buy a home, then renting will actually save you money in the long term, not waste it.“The housing market fluctuates. If you need to sell it is possible that the market may be flat, and you can lose out on your investment,” explained Jared Weitz (@jaredweitz), CEO and Founder of United Capital Source Inc. “Fight this off by following the general rule of looking to buy a home when the interest rates are low, and the market is heading down. There are many hidden costs of home ownership, and renting shouldn’t always be looked at as ‘throwing money away.’“If you plan to spend less than three years in a home and have minimal money saved for a down depositâ€"look at renting. Unless you have 20 percent of a home cost available for a down payment, you will need to also factor in mortgage insurance payments.Additionally, if you look to buy in a condominium or housing community, HOA and maintenance fees will be included in your monthly payment. This adds additional cost to home ownership, making renting more appetizing while you save up.”Figure out what makes sense for you.One of the worst real estate choices you can make is one that you feel pressured into, against your better interests, because of generalizations you’ve been told.“The biggest mistake I see people make is buying a ‘starter home’ simply because they’re ‘sick of throwing away money’ or they feel pressure to take the next s tep into adulthood,” warned Stephen Caplan, financial advisor at Neponset Valley Financial Partners. “All sorts of evidence suggests that many young people end up regretting their home purchase because they didn’t know exactly what they were getting themselves into.The longer you live in a home, the more likely you are to reap the benefits of homeownership. On the flip side, your home purchase can turn into a disaster if your time horizon is too short.”Want to hear about someone’s personal experience navigating these choices? Here you go!“For myself and my husband, we chose to rent for the first 4.5 years of our marriage,” recounted Amanda Kintz, of Crunchy Hippie Life (@MsCrunchyHippie) and author of Dirt Cheap Adult: A Millennials Guide to Life on a Budget. “Renting allowed us options to move almost painlessly to different opportunities as they became available, rather than waiting and stressing about having to sell a house.It also significantly lessened the burden on us as a newly married couple building up their bank account since we didnt have to find things like emergency repairs or home improvements.“While we do own a home now, we are very thankful for the time we spent renting as it allowed us the freedom to save money and explore job opportunities (including moving to three different states!). I know we would not have been able to do that if we had been homeowners.”Older homeowners might be better off renting.It’s always a good idea to examine the specifics of each situation, rather than trying to adhere to general rules. For example, you might think an older person who is not planning to move would be the ideal candidate for home ownership, assuming they can afford it. But that’s not always the case.“As it relates to older clients I will often recommend renting instead of buying especially for second or vacation homes,” explained T. Eric Reich of Reich Asset Management. “Even renting a primary residence can be smart for older clients. My argument for renting is that while you may be physically able to maintain the home today, will you still be able to in 10-15 years?For a 65-year-old, many can’t answer that question confidently. The downside, of course, is that the rental could be sold and you could have to move at an age when you are least inclined to do that so it depends on the rental.“Personally, I’m not going to be climbing ladders or mowing lawns at age 80+ and hiring someone to do that work only adds to the cost of ownership. I’d rather see that money in their pocket working for them instead.As to the concern of leaving your house to your kids, I understand that most everyone wants to do that for their heirs yet almost no heirs actually want it, or if they do, they can’t afford it or afford to buy the other heirs out of it. What heirs really want is cash, not the house and all the issues that come with disposing of it.”Figuring out the best choice for you may not be as snappy a s logan as “renting is throwing your money away.” It does, however, have the benefit of being true more often. To learn more about housing-related financial issues, check out these other posts and articles from OppLoans:A Thrifty Person’s Guide to DownsizingHow Much Money Do You Actually Need to Buy a House?Is Rent-to-Own a Good Way to Purchase a Home?How You Can DIY Your Way to Cheaper Home MaintenanceDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsAfter spending nearly four years in New York City as an investment consultant, Stephen Caplan moved back home to the Boston area in August 2016 to join  Neponset Valley Financial Partners as a wealth manager. Upon his return, it soon became obvious to Stephen that one particular issue was affecting the financial lives of fellow millennials much more than anything else: student debt. Stephen has since become an expert on student loan r epayment planning and recently earned the Certified Student Loan Professional (CSLP) designation. His practice focuses on helping young professionals integrate personalized student loan repayment strategies into long-term financial plans.Ivan Chong is a tech executive based in Silicon Valley. Ivan started  Lazy Finances (@Lazy_Finances) to help busy people like himself better understand personal finance and to show them ways to lazily save on their everyday expenses.Amanda Kintz (@MsCrunchyHippie) is a Registered Nurse. After living on an income of just $16,000 with her husband in 2014, Amanda discovered a passion for educating and empowering people to live a lifestyle of wellness in both body and finances. Her creative ideas for living a healthy and financially free life can be found on her blog, CrunchyHippieLife.com, and her new book, Dirt Cheap Adult: A Millennials Guide to Life on a Budget, now available on Amazon and Barnes and Noble.com.Redfin (@Redfin) invented map-based rea l estate search in the US. Then they hired their own agents to put consumers first. Redfin Agents are accountable for helping clients buy and sell the right home, at the right price.Eric Reich is President and founder of  Reich Asset Management, LLC. He relies on his more than 20 years of experience to help clients have an enjoyable retirement. Using his Enjoyable Retirement Solution, Eric helps retirees maximize retirement income while preserving their principal. He believes that, for many retirees, preserving principal is more important than trying to beat the market. Eric is a graduate of the Richard Stockton College where he earned a Bachelor of Arts in Business Management. He has since become a Certified Financial PlannerTM professional, obtained his Certified Investment Management AnalystSM (CIMA ®) and earned his Chartered Life Underwriter ® (CLU ®) and Chartered Financial Consultant ® (ChFC ®) designations.Jared Weitz  (@jaredweitz)  has been in the financial services indust ry for over 10 years. Due to his extensive work experience and deep network of close financial relationships, he handles a multitude of different finance options for his clients and contacts. Over the years, he has held positions in some of the largest business financing companies in the U.S. Some of his roles have been: Underwriter, Director of Business Development, Managing Partner and currently, CEO of  United Capital Source, LLC. Does Renting Your Home Really Mean Youre Throwing Money Away Does Renting Your Home Really Mean Youre Throwing Money Away? Does Renting Your Home Really Mean Youre Throwing Money Away?There are many benefits to home ownership, but its supremacy over leasing isnt nearly as clear-cut as some would have you believe.It’s a question as old as real estate itself: Should you rent or buy? You need a place to live, and those are generally the two options. So which option is better? That’s what you’re reading this article to find out!Of course, there isn’t just one answer that would fit every situation, or else you probably would have learned that answer before coming to this article. However, some people lean far more towards one option than the other.In fact, you may have heard people say that renting a home or apartment is “throwing your money away.” But is it actually? And why would they say something like that?Let’s find out!Homeownership means home equity.  On a basic level, you likely already know the difference between renting and buying something. Typically, if you’re purchasing an item, y ou’ll own that item after you pay money for it. If you’re renting it, then you get to use it for as long as you’re willing to regularly pay for the use.When it comes to a home or apartment, few people will be buying a property with one big lump sum of cash. It’s far more likely that a buyer will take out a mortgage, which is a loan used to pay for a house. The loan is paid down monthly and accrues interest while the home acts as collateral, meaning it will be seized by the bank if the owner can’t make their payments.“When buying a home you can take advantage of tax breaks such as deductions on interest rates and deductions on annual real estate taxes paid based on the assessed value of your property,” explained the experts at Redfin (@Redfin). “Homeowners pay monthly mortgage payments, gradually reducing the principal mortgage amount over time while the property keeps on increasing value, and you as a homeowner can build equity and increase your stake of ownership in the property with every payment.“And if you decide to sell your house you will get enough money to pay off the loan, and earn a little extra that you can use to purchase another house. In contrast, renters still make a monthly payment, but these funds do nothing to contribute to the renter’s long-term wealth.”Because renters do not build equity, many people will claim that renting is “throwing money away.”But there are benefits to renting, too.Of course, renting is not literally the same as throwing your money away. If spending money on something you will not own forever is throwing it away, then why have we been burning cash on all of this worthless food every day?In fact, not only can renting be the more sensible choice in many situations but owning tends to have its own forms of “throwing money away.”“Many people think renting is ‘throwing your money away’ but every person’s situation is different,” advised Ivan Chong, founder of Lazy Finances (@Lazy_Fina nces). “If you plan on moving every few years, renting might make sense over buying. Every time you buy/sell a house, you get hit with closing fees which are a significant amount of money. Mortgage interest, property tax, and homeowner’s insurance are all ‘unrecoverable expenses’ similar to rent, though you can deduct some of them off of your taxes. These effects are amplified in high cost of living areas.”Even if you are certain you want to own a home, that doesn’t always mean the present is the best time to buy one. If the time is not right to buy a home, then renting will actually save you money in the long term, not waste it.“The housing market fluctuates. If you need to sell it is possible that the market may be flat, and you can lose out on your investment,” explained Jared Weitz (@jaredweitz), CEO and Founder of United Capital Source Inc. “Fight this off by following the general rule of looking to buy a home when the interest rates are low, and the market is heading down. There are many hidden costs of home ownership, and renting shouldn’t always be looked at as ‘throwing money away.’“If you plan to spend less than three years in a home and have minimal money saved for a down depositâ€"look at renting. Unless you have 20 percent of a home cost available for a down payment, you will need to also factor in mortgage insurance payments.Additionally, if you look to buy in a condominium or housing community, HOA and maintenance fees will be included in your monthly payment. This adds additional cost to home ownership, making renting more appetizing while you save up.”Figure out what makes sense for you.One of the worst real estate choices you can make is one that you feel pressured into, against your better interests, because of generalizations you’ve been told.“The biggest mistake I see people make is buying a ‘starter home’ simply because they’re ‘sick of throwing away money’ or they feel pressure to take the next s tep into adulthood,” warned Stephen Caplan, financial advisor at Neponset Valley Financial Partners. “All sorts of evidence suggests that many young people end up regretting their home purchase because they didn’t know exactly what they were getting themselves into.The longer you live in a home, the more likely you are to reap the benefits of homeownership. On the flip side, your home purchase can turn into a disaster if your time horizon is too short.”Want to hear about someone’s personal experience navigating these choices? Here you go!“For myself and my husband, we chose to rent for the first 4.5 years of our marriage,” recounted Amanda Kintz, of Crunchy Hippie Life (@MsCrunchyHippie) and author of Dirt Cheap Adult: A Millennials Guide to Life on a Budget. “Renting allowed us options to move almost painlessly to different opportunities as they became available, rather than waiting and stressing about having to sell a house.It also significantly lessened the burden on us as a newly married couple building up their bank account since we didnt have to find things like emergency repairs or home improvements.“While we do own a home now, we are very thankful for the time we spent renting as it allowed us the freedom to save money and explore job opportunities (including moving to three different states!). I know we would not have been able to do that if we had been homeowners.”Older homeowners might be better off renting.It’s always a good idea to examine the specifics of each situation, rather than trying to adhere to general rules. For example, you might think an older person who is not planning to move would be the ideal candidate for home ownership, assuming they can afford it. But that’s not always the case.“As it relates to older clients I will often recommend renting instead of buying especially for second or vacation homes,” explained T. Eric Reich of Reich Asset Management. “Even renting a primary residence can be smart for older clients. My argument for renting is that while you may be physically able to maintain the home today, will you still be able to in 10-15 years?For a 65-year-old, many can’t answer that question confidently. The downside, of course, is that the rental could be sold and you could have to move at an age when you are least inclined to do that so it depends on the rental.“Personally, I’m not going to be climbing ladders or mowing lawns at age 80+ and hiring someone to do that work only adds to the cost of ownership. I’d rather see that money in their pocket working for them instead.As to the concern of leaving your house to your kids, I understand that most everyone wants to do that for their heirs yet almost no heirs actually want it, or if they do, they can’t afford it or afford to buy the other heirs out of it. What heirs really want is cash, not the house and all the issues that come with disposing of it.”Figuring out the best choice for you may not be as snappy a s logan as “renting is throwing your money away.” It does, however, have the benefit of being true more often. To learn more about housing-related financial issues, check out these other posts and articles from OppLoans:A Thrifty Person’s Guide to DownsizingHow Much Money Do You Actually Need to Buy a House?Is Rent-to-Own a Good Way to Purchase a Home?How You Can DIY Your Way to Cheaper Home MaintenanceDo you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsAfter spending nearly four years in New York City as an investment consultant, Stephen Caplan moved back home to the Boston area in August 2016 to join  Neponset Valley Financial Partners as a wealth manager. Upon his return, it soon became obvious to Stephen that one particular issue was affecting the financial lives of fellow millennials much more than anything else: student debt. Stephen has since become an expert on student loan r epayment planning and recently earned the Certified Student Loan Professional (CSLP) designation. His practice focuses on helping young professionals integrate personalized student loan repayment strategies into long-term financial plans.Ivan Chong is a tech executive based in Silicon Valley. Ivan started  Lazy Finances (@Lazy_Finances) to help busy people like himself better understand personal finance and to show them ways to lazily save on their everyday expenses.Amanda Kintz (@MsCrunchyHippie) is a Registered Nurse. After living on an income of just $16,000 with her husband in 2014, Amanda discovered a passion for educating and empowering people to live a lifestyle of wellness in both body and finances. Her creative ideas for living a healthy and financially free life can be found on her blog, CrunchyHippieLife.com, and her new book, Dirt Cheap Adult: A Millennials Guide to Life on a Budget, now available on Amazon and Barnes and Noble.com.Redfin (@Redfin) invented map-based rea l estate search in the US. Then they hired their own agents to put consumers first. Redfin Agents are accountable for helping clients buy and sell the right home, at the right price.Eric Reich is President and founder of  Reich Asset Management, LLC. He relies on his more than 20 years of experience to help clients have an enjoyable retirement. Using his Enjoyable Retirement Solution, Eric helps retirees maximize retirement income while preserving their principal. He believes that, for many retirees, preserving principal is more important than trying to beat the market. Eric is a graduate of the Richard Stockton College where he earned a Bachelor of Arts in Business Management. He has since become a Certified Financial PlannerTM professional, obtained his Certified Investment Management AnalystSM (CIMA ®) and earned his Chartered Life Underwriter ® (CLU ®) and Chartered Financial Consultant ® (ChFC ®) designations.Jared Weitz  (@jaredweitz)  has been in the financial services indust ry for over 10 years. Due to his extensive work experience and deep network of close financial relationships, he handles a multitude of different finance options for his clients and contacts. Over the years, he has held positions in some of the largest business financing companies in the U.S. Some of his roles have been: Underwriter, Director of Business Development, Managing Partner and currently, CEO of  United Capital Source, LLC.

Thursday, May 21, 2020

The University Of South Florida Contemporary Art Museum Essay

In order to compose this assignment, I visited the University of South Florida Contemporary Art Museum (CAM). The USF Contemporary Art Museum is a compact museum on campus located near the Dance buildings and the Theatres. The museum opened its establishment in 1989 and has offered a wide range of art from around the world including the United States, Africa, Europe, and Latin America (usfcam.usf.edu). In order to keep students engaged in the art, the museum changes its exhibits a couple times a year. Currently, the exhibition on display is entitled Extracted and incorporates â€Å"the extraction and circulation of natural resources around the globe† (Megan Voeller). Despite the museum being not large in size, I was able to attain a sense of nature through photographs, sculptures, video messages, and banners produced from artists including Otobang Nkanga, Marina Zurkow, Claire Pentecost, Mary Mattingly and Daniel Shiffman. The social angle most strongly related to the exhibit on display at this time is nature and culture. Extracted was motivated by relationships between humans and the environment referring to â€Å"complex technical processes behind oil drilling and mining or industrial agriculture† (Megan Voeller). Most of the artists focus their work on nature including the environment, ecosystems, and life itself. One artists in particular whose work stood out to me was Claire Pentecost with her work Soil-erg. This distinct exposition was located in the hearth ofShow MoreRelatedthe main cities of the usa4461 Words   |  18 PagesThere are many beautiful Nation park and protected areas of wilderness in America. Washington D.C. The capital of the USA is Washington D.C. The city stands on Potomac River and is bordered by the state of Maryland to the north and Virginia to the south. Washington is the home of all the government institutions for the whole country: Congress, the White House, the Supreme Court. The Capitol is the seat of the Congress on Capitol Hill in Washington and the highest building of the American capitalRead MoreElisabeth Condon’s Nocturne vs. Vincent van Gogh’s The Starry Night1393 Words   |  6 PagesRauschenberg Gallery) and Vincent van Gogh’s The Starry Night (Frank 348) for this research paper. Initially I wanted to pick two pieces that were different enough in order to form a decent comparison and yet alike enough to connect them in some way. In the art gallery, Nocturne gave me a feeling similar to the one I experienced when I first saw The Starry Night; there was something otherworldly and mystical about it. It made you look at a greater expanse then the bit of landscape that was shown in an unexpectedRead MoreFirms Should Get Their House in Order Before Seeking to Manage Supplier.1728 Words   |  7 PagesCreativity and Innovation in Business Prof. Danny Araneta Cabulay Dean – Institute of Accounts, Business and Finance Far Eastern University, Manila, Philippines dcabulay@feu.edu.ph Albert Einstein once said, â€Å"Imagination is more important than knowledge.† For most people, creativity is more easily associated with art than business. But the highest art form is business because one can be very creative, dynamic and revolutionary. Creativity is also related to innovation and change. Read More20 Century Genius Award Essay example3442 Words   |  14 PagesI would like to present the 20th Century Genius Award to Dr. Maya Angelou. She is a remarkable Renaissance woman who is hailed as one of the great voices of contemporary literature. As a poet, educator, historian, best-selling author, actress, playwright, civil-rights activist, producer and director, she continues to travel the world, spreading her legendary wisdom. Within the rhythm of her poetry and elegance of her prose lies Angelous unique power to help readers of every orientation span theRead More Visions of The Primitive in Langston Hughes’s The Big Sea Essay examples6201 Words   |  25 Pagesand seen, not merely read about in a book† (Hughes, 986, p.10). Hughe s’s timbre and imagery subvert not just colonialist views of Africa but also those Western myths and fantasies through which the â€Å"primitive† or non-Western has been represented in art and literature. Yet his dramatic disavowal of his personal library seems to radically repudiate a central tradition of African American autobiography in which the themes of emancipation and literacy are indissolubly linked.2 Hughes himself records thatRead MoreNatural Dyes11205 Words   |  45 Pages which could be produced in large quantities, quickly superseded natural dyes for the commercial textile production enabled by the industrial revolution, and unlike natural dyes, were suitable for the synthetic fibers that followed. Artists of the Arts and Crafts Movement preferred the pure shades and subtle variability of natural dyes, which mellow with age but preserve their true colors, unlike early synthetic dyes,[1] and helped ensure that the old European techniques for dyeing and p rinting withRead MoreOne Significant Change That Has Occurred in the World Between 1900 and 2005. Explain the Impact This Change Has Made on Our Lives and Why It Is an Important Change.163893 Words   |  656 Pagesand Expanded Edition E SSAYS ON _ T WENTIETH- C ENTURY H ISTORY Edited by Michael Adas for the American Historical Association TEMPLE UNIVERSITY PRESS PHILADELPHIA Temple University Press 1601 North Broad Street Philadelphia, Pennsylvania 19122 www.temple.edu/tempress Copyright  © 2010 by Temple University All rights reserved Published 2010 Library of Congress Cataloging-in-Publication Data Essays on twentieth century history / edited by Michael Peter Adas forRead MoreAirheads Business Analysis Essay34215 Words   |  137 Pagesof activities including dodge ball and fitness programs (Rebounderz, 2012). The St. Petersburg/Clearwater area does not have FECs, but the options for families vary depending on their interests. The most common options are the municipal beaches or art and cultural events, but there are limited indoor physical activities. PEST Analysis The PEST analysis identifies the political, economic, socio-cultural, and technological factors that assist a firm with understanding its macro environment, andRead MoreMonsanto: Better Living Through Genetic Engineering96204 Words   |  385 PagesA S E S E V E N Shanghai Volkswagen: Implementing project management in the electrical engineering division C A S E E I G H T Television New Zealand: Balancing between commercial and social objectives C A S E N I N E From greenï ¬ eld to graduates: University of the Sunshine Coast C A S E T E N Whole Foods Market, 2005: Will there be enough organic food to satisfy the C A S E E L E V E N growing demand? Wal-Mart Stores Inc.: Dominating global retailing C A S E T W E L V E 14_Hanson_3ed_SB_3869_TXTRead MoreCase Studies67624 Words   |  271 Pageslook out for millennium kids’, 29 October. Business Line, 2000, ‘India-McDonald’s shifts to product-focussed ads’, 8 September. Business Line, 2000, ‘McDonald’s goes for media splash’, 3 April. Business Line, 2001, ‘India: Big Mac sets eyes on the south’, 20 February. Chaterjee, A., 1998, ‘Marketing to the superrich’, Business Today (Living Media India Ltd), 22 April. Connect Magazine, 1998, Worldwide Feedback Form: www.connectmagazine.com/June 1998/Junepgshtml/June98Wwind.html. DeGarmo, K., 1998

Wednesday, May 6, 2020

Literature Is An Instrument By Which Human Beings Are...

Literature is an instrument by which human beings are informed of their growth processes as it highlights the struggles of a character and how they overcome them. Such settings motivate individuals to take on their life situations and to emerge from them, better and stronger. Novels of formation or coming of age especially emphasize that lessons are drawn from every circumstance despite the fact that the outcome of every journey is never clear, to begin with. For many, battling with societal expectations to stand for what we believe in is what defines one’s mettle. There are specific turning points that force individuals to confront their values and the essence of the same as Sir Gawain did. In this essay, we shall reference his life from†¦show more content†¦The first challenge pits him against the Green Knight on the court. At first, nobody had stood up to the impostor except King Arthur himself, and this was only because he otherwise would have been mocked. True t o his knightly responsibilities, Sir Gawain chooses to face the Knight in place of the king. This exhibit of bravery and loyalty is the first step in his growth process. It was the foundation of the entire journey since it created a mission that he would prepare and follow up for the next year. He had gone in without a clue of what lie ahead, but he cultivated a dedication to the task and did not back down. Being a Knight is already a respected position within the community and was only taken up by those who were morally and physically fit to serve the King. However, being elevated to the status of hero requires consistent acts of courage that set one apart from the rest. Sir Gawain established these by taking every circumstance in stride and doing his best with respect to the same. Even though he faced beasts, harsh weather and hunger on his way to finding the Green Knight, he was persistent in his mission. He had the option to turn back but instead sort strength within himself and his spirituality with the belief that he was capable of achieving the goals which he already had set for himself. These traits that were nurtured in the journey, including self-discipline andShow MoreRelatedPeople Meet Nature By Knut Rasmussen1663 Words   |  7 PagesIn the book People Meet Nature, Knut Rasmussen, a Danish explorer, tells the story of his meeting with an Eskimo named Sealdog. Throughout th e time they spent together Sealdog told Knut multiple stories, all of which contained morals. However, one of the stories stood out to Knut, due to its lack of a larger lesson. When he asked Sealdog for the meaning behind the story, Sealdog mentioned that not all stories needed to have morals to be meaningful. Sometimes stories can be told for the sake of humorRead MoreEpidemiology: Study Notes1775 Words   |  7 Pagesindividual differences (e.g. height, weight, personality, genetics, predisposition to disease, etc.) act as variables (Mayrent, 1987). Part 2 Cofounding Factors in a Survey There are various ways to deal with confounding factors within the survey instrument. First, review the design and the variables for control and bias. Second, case-control studies assign cofounders to all groups equally. Cohort studies could match and admit only certain groups into the population study, limiting characteristicsRead MoreThe Effects Of Gender And Steroid Use On Body Image Dissatisfaction And Distortion Among College Age Bodybuilders Essay1664 Words   |  7 Pagesdissatisfaction and distortion among college age bodybuilders’. Furthermore, in order to clarify differentiation between the two genders, two research questions were used. The first one being – What effect do gender (male or female) and steroid consumption status (non-use or use) have on body dissatisfaction and the second question being, what effect do gender (male or female) and steroid consumption status (non-use or use) have on body distortion. Both of t he problem statements coincide with the title and seemRead MoreWhat Does It Take A Good Review Of An Original Scientific Article ( 6 Points )? Essay882 Words   |  4 Pagesby providing suggestions for improving the article to be more educational, informative and useful for clinical practice. Also, a good review of a scientific paper requires from the reviewer to be scientific expertise which include awareness and a mastery of the scientific literature. This process needs from the reviewer to has experience and personal background. If the scientific article outside the reviewer expertise; he/she should refuse to review the scientific paper. 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The key elements that influences behavior change are raising awareness of a threat which motivates people to seek information with perception that a recommended positive response will prevent the threat from happening and personal confidence that the threat will be averted. The applicationRead MoreResearch Proposal1267 Words   |  6 PagesResearch Proposal: It addresses a particular project: academic or scientific research.  It also contains extensive literature reviews and must offer convincing support of need for the research study being proposed.   Doctoral dissertations begin with research proposal; the proposal must be accepted by a panel of experts (usually professors) before the actual research can begin.   In addition to providing rationale for the proposed research, the proposal must describe a detailed methodology for conductingRead MoreSystematic review paper1119 Words   |  5 Pagessynthesize a qualitative study performed to better understand the underlying reasons why only a fraction of cancer patients participate in cancer research trials. The attempt is to explore factors that influence participation in this type of study. Literature in the subject indicates poorly understood process of how patients are enrolled into clinical trials. This systematic review tries to improve the patient decision-making process in participating in cancer clinical trial and to provide Oncology nursesRead MoreThe Upper Of The Body Is Defined As Beginning At The Cervical1484 Words   |  6 PagesBackground The upper quarter of the human body is defined as beginning at the cervical region, continuing to the shoulder girdle, elbow, wrist, and digits (Hand Therapy Certification Commission, 2002). The upper extremity is used for physical interaction with the world that surrounds an individual, allowing function, production, expression, and independence in daily activities as one moves through the life-span (Mayo Clinic, 2014; Meyer, 2003). The frequent use of the upper quarter increases riskRead MoreInternal Validity And Its Effect On Students Attitudes On Elective And Inherent Hand Washing1021 Words   |  5 Pagesincrease HCPs’ HH adherence. Validity Polit and Beck (2012) define validity as â€Å"a quality criterion referring to the degree to which inferences made in a study are accurate and well-founded; in measurement, the degree to which an instrument measures what it is intended to measure† (p. 745). Internal Validity Polit and Beck (2012) define internal validity as â€Å"the degree to which it can be inferred that the experimental intervention (independent variable), rather than the uncontrolled, extraneous factors

Pain Clinical Observation Paper Free Essays

Alyssa Martin Fall 2012 Observation Experience Summary: Pain Clinic The mission and scope of the setting is to provide diagnosis and treatment of acute, chronic and cancer pain. Patients present to the pain clinic for relief and treatment for a variety of painful medical ailments which do not typically respond to conventional therapy (â€Å"Pain management center,† 2012). Those in charge at the pain clinic are the two board-certified pain management physicians, Dr. We will write a custom essay sample on Pain Clinical Observation Paper or any similar topic only for you Order Now Dwarakanath and Dr. Henkle. There is also a team of nurses, physical therapists, and other professionals specially trained in a variety of techniques to manage pain. There are a number of techniques the pain clinic is able to perform, but there are two procedures that were the most widely used; the first being an Epidural Steroid Injection. This procedure is the number one pain management technique used in the clinic. It is specifically for radiating pain that is in the back/leg area or neck/arm area. The procedure essentially includes corticosteroids being injected into the epidural space in the spine and decreases the inflammation and swelling in the nerves that are irritated, causing relief. Pre-procedure teaching mainly includes explanation of the sensations patient will feel, which include a small pin stick as local anesthetic is used. In addition, they are instructed to have a light meal before coming in, but if they are requesting to receive IV sedation, they are instructed to not eat at all 6 hours prior to the procedure (â€Å"Pain management center,† 2012). If they are diabetic or on blood thinners, it is important to know so that special considerations need to be made for that patient. The patient is also told that the procedure is performed with little discomfort and only takes about 5 to 10 minutes. After the injection, the patient may feel warmth or numbness in their legs or arms for about an hour due to the anesthetic. Because of this reason, patients are observed while they recover and are then sent home with a friend or family member, since they are advised not to drive due to possible residual weakness for a few hours. Post-procedure teaching includes information regarding the first few days after injection, where it is usual to feel increased back pain or discomfort from the needle being inserted. A second common procedure done is the Facet Joint Injection, which is usually done for non-radiating pain. This technique also reduces the inflammation or swelling of the tissue in the joint space (â€Å"Pain management center,† 2012). Pre-procedure teaching includes a lot of the same things as an ESI; the procedure only takes a few minutes, local anesthetic is given, and the steroid medication is injected. Post-procedure teaching involves letting the patient knows that they should not drive upon discharge and will feel the same increase of pain before relief as seen in ESI. They will be able to return to work and other normal daily activities the next day. Potential complications of these procedures mainly include incorrect placement of the needle by the doctor. Because it is a delicate and difficult task to position the needle in an exact position, sometimes the physician accidently pinches a patient’s nerve and they feel a sudden rush of radiating pain in legs or arms, depending on where the needle is inserted. Additionally, sterile technique is extremely important during these procedures because the needles are entering directly into patients’ spines and joints, so potential infection in these areas could prove to be highly detrimental and dangerous. Overall, the experience in the Pain Clinic was an informative one. It was interesting to see the procedures done first-hand because it was done extremely quickly but is something that needs so much precision and expertise. The physicians made the techniques look easy, but not once did they falter with mandatory legalities such as the â€Å"time-out†, where everyone in the procedure room stops and verifies the patient, procedure, etc. that is to be performed. The staff nurses seemed in good spirits and verbalized enjoyment and passion for their roles, and that is what I found most valuable this time around. References Bare, B. , Cheever, K. , Hinkle, J. , Smeltzer, S. (2010). Textbook of medical surgical nursing . (12th ed. ). Philadelphia, PA: Lippincott Williams Wilkins. Pain management center. (2012). Retrieved from How to cite Pain Clinical Observation Paper, Essays

Saturday, April 25, 2020

The Education Of Nineteenth Century Women Artists Essays

The Education Of Nineteenth Century Women Artists The formal education of women artists in the United States has taken quite a long journey. It wasnt until the nineteenth century that the workings of a recognized education for these women finally appeared. Two of the most famous and elite schools of art that accepted, and still accept, women pupils are the Philadelphia School of Design for Women and the Pennsylvania Academy of the Fine Arts (the PAFA). Up until the early nineteenth century, women were mostly taught what is now called a fashionable education (Philadelphia School of Design for Women 5). Their mothers raised them to be proper, young ladies and expert housekeepers in expectation of marriage. If these women were fortunate enough to receive some kind of formalized schooling, they were to study penmanship, limited aspects of their mother language, and very little arithmetic (Philadelphia School of Design for Women 5). Unfortunately, this small degree of education was extremely constrictive to women. If they never married or were widowed at a young age, they really had no place to go. This form of womens education created generations of women that were almost entirely dependent on their husbands and male relatives. During the nineteenth century, when the feminist movement was beginning, many schools were established specifically for the education of women, such as the Philadelphia School of Design for Women, and also for the education of both. In the beginning, womens art schools mostly taught pupils practical applications of art. For example, female art students often studied drawing and lithographing, in hopes that they would be hired by industrial companies as designers. The Philadelphia School of Design for Women was one of the first all womens art schools to establish this form of education. Founded in 1844 by a woman named Sarah Peter, the Philadelphia School of Design for Women was a school like none that had come before it. Peter was a wealthy woman of stature and decided to start this school in one of the rooms of her mansion and to hire a teacher to hold regular classes for women in art and design. (As a wonderful incentive for all women, tuition was free for the poor and the wealthy paid a very small sum.) Sarah Peter saw how truly poor the traditional education for women was and she strongly believed that every woman should stand by her sex, thus her reasoning for establishing this soon to become famous art school. As Peter saw it, she wished to give young women some practical training,should [they] so desire or the necessity arise, for well paying self support, (qtd. in Philadelphia School of Design for Women 6). In addition to her personal feelings, she had a very specific reason for starting the Philadelphia schooltrain women to create designs for the citys ind ustrial lines, such as textiles, lithographing, wood engraving, floor coverings, and furniture. From this point on, Peter devoted the rest of her life to overseeing the School and also traveled around the U.S. to establish art schools, like the Philadelphia, in other cities (Philadelphia School of Design for Women 6-11). The Philadelphia School of Design for Women originally had three departments from which young women could take classes: drawing, industrial, and wood engravings/lithography. The majority of the women were instructed within the drawing department, in which pupils made copies of original compositions and applied coloring and shading. From here on, depending on the instructor, they would progress toward drawings from casts and life (Philadelphia School of Design for Women 23-24). The industrial department showed the women applications of drawing, shading, and coloring to the art of design. Surprisingly, these designs and patterns created by the women of the Philadelphia School were secured under copyright law for some time (Philadelphia School of Design for Women 24). In the third department, lithography/wood engraving, women were taught drawing on stone and carving in wood. During the first years of the school, the actual printing was done on school grounds. However, in later years, most printing was done outside the school by contract. Due to the beauty and perfection of the pupils works, very soon after the Schools establishment, several of the students lithographs were used in floral brochures, such as