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 ... <!

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.

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.

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. 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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. 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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

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

benzoyl peroxide essays

benzoyl peroxide essays Chemical Name: Benzoyl Peroxide (C14H10O4) Benzoyl peroxide is the main compound found in several different pharmaceuticals for treating acne, food additives, as polymers, and catalysts in several different reactions. Other common names for this compound are; Oxy-10, Panoxyl, Benzagel 10, Benzoic acid, Lucidol, and several others. The melting point for this compound is 1040-1060 C. At this temperature the compound will become very explosive, therefore forming no distinct boiling point. Benzoyl peroxide has a density of 1.334 and a molecular weight of 242.23g. It is slightly soluble in water ( Oxygens have bond angles of 1040, creating sp3 orbitals. Because this compound can create a mirror image of its self when folded over, I believe it to be non-polar. The physical properties of Benzoyl peroxide are that it is a colorless, odorless, solid, which may be in the form of white granules, crystals, or powder. This compound has several different functions such as; it is an oxidizer used to bleach edible oils, flour, and bread, is used as a catalyst for radical reactions, and as an initiator for addition and substitution reactions in organic synthesis. The most common use of Benzoyl peroxide is in topical solutions for treating acne. It is available without a prescription in several different concentrations, and it can be used for any degree or severity of acne. It works by removing the top layer of skin and unblocking the sebaceous glands. It also reduces inflammation of blocked hair follicles by killing bacter...

Proton - Definition of Physics Terms

Proton - Definition of Physics Terms A proton is a positively charged particle that resides within the atomic nucleus. The number of protons in the atomic nucleus is what determines the atomic number of an element, as outlined in the periodic table of the elements. The proton has charge 1 (or, alternately, 1.602 x 10-19 Coulombs), the exact opposite of the -1 charge contained by the electron. In mass, however, there is no contest - the protons mass is approximately 1,836 times that of an electron. Discovery of the Proton The proton was discovered by Ernest Rutherford in 1918 (though the concept had been earlier suggested by the work of Eugene Goldstein). The proton was long believed to be an elementary particle until the discovery of quarks. In the quark model, it is now understood that the proton is comprised of two up quarks and one down quark, mediated by gluons in the Standard Model of quantum physics. Proton Details Since the proton is in the atomic nucleus, it is a nucleon. Since it has a spin of -1/2, it is a fermion. Since it is composed of three quarks, it is a triquark baryon, a type of hadron. (As should be clear at this point, physicists really enjoy making categories for particles.) Mass: 938 MeV/c2 1.67 x 10-27 kgCharge: 1 fundamental unit 1.602 x 10-19 CoulombsDiameter: 1.65 x 10-15 m

Breast Cancer Essay Example | Topics and Well Written Essays - 750 words

Breast Cancer - Essay Example little more than 2.47 million women who had experienced having breast cancer, women should be informed the proper way of conducting a self-breast examination as a way of increasing their chances of survival. For this study, the student nurse will discuss the importance of breast cancer screening followed by explaining the proper way to screen breast cancer and the step-by-step physical assessment to enable women detect early signs of breast cancer. Healthy women should undergo the most common screening test like mammogram at least once a year in order to detect signs of breast cancer at an early stage. (Breast Cancer, 2009a) Early detection of breast cancer is important since women can have higher chances of survival. This is because of the fact that early stage cancer is easier to treat as compared to late stage breast cancer. (Breast Cancer, 2008g) Aside from the use of mammogram test, other ways to screen signs of early stage breast cancer is through the use of other imaging test like the magnetic resonance imaging (MRI) (Breast Cancer, 2008c). The blood marker tests can also be considered when screening a patient. In case cancer protein or blood markers like CA 15.3, TRU-QUANT, CA 27.29, CA125, and carcinoembryonic antigen (CEA) is present in the blood (Breast Cancer, 2008a), there is a strong possibility that the patient has a breast cancer. Because of the limitations of mammogram when screening for breast cancer, the use of digital tomosynthesis is now being considered as the best alternative for mammograms (Breast Cancer, 2008d). Although a lot of physicians believe that the use of mammography is the best method for detecting breast cancer, the Mayo Clinic 2008 study result suggest that the use of molecular breast imaging (MBI) is better than mammography in terms of detecting tumors in the breast (Breast Cancer, 2008f). Also highly recommended for women who have high risk of developing breast cancer, a new technique known as the ductal lavage can be

Global, political economy Essay Example | Topics and Well Written Essays - 1750 words

Global, political economy - Essay Example The many a vehicle of modernisation, international diplomacy and economic dynamism of countries catapult a certain degree of prosperity that is felt worldwide. Scope of Globalisation The phenomenon of globalisation affects society's economics and politics. Its primary processes include the forces that govern improvements in technology, advancements in transportation services, increased employment and income opportunities, and cohesive intercontinental economic cooperation (Jaffe, 2006). Most countries in the world witnessed rapid developments in the area of business in the past few decades. A global village has been created to formally launch an avenue where countries can enter economic agreements. Globalisation has been said to be at the forefront of these modern-day events. On the other hand, several critics consider globalisation as a disease rather than a solution (Kalb, et al., 2004). Most people, including numerous world leaders, deem it an organized procedure that connects com munities around the world to participate in a synchronised development process. In essence, the whole gamut of globalisation revolves around contemporary structures such as Information and Communication Technology, Trade Democratisation, Free Market, and diplomatic agreements that are openly participated in by all countries (Lawal, 2006). Employment-generating Activities Globalisation remains one big precursor for the exponential growth of employment opportunities among developed and developing countries. Due to the expanding consumer markets worldwide, various industries responded to the call of ‘supply and demand.’ Countries with robust workforces tremendously benefit from these activities, while other nations strategise themselves to be at par with their rivals. Such a healthy competition prompts the international community to generate quality products and outputs based on the labour of their citizens. Economic literature upholds that unemployment rates are primarily dependent on the domestic policies of governments (Kollmeyer, 2009). This fact incited political leaders and fiscal analysts to intensively study their economic regulations to perfectly suit the recent trends (Rama, 2003). For countries that formulate intelligent decisions on how to boost employment rates for their people, success is at bay. While countries that make the wrong decisions suffer greatly (World Bank, 2009). Empiric data confirmed that globalisation has a positive impact on countries where human capital is above average. In some African countries, wages are projected to increase for skilled workers, especially in the light of rising demand due to technological advances (World Bank, 2009). Increased Income The relationship between employment and income were noted by several economic authorities (Lecaillon, 1984; International Labour Office, 2000). Recent studies suggest that globalisation is also a massive contributing factor to the increase of income among workers worl dwide (Mishkin, 2008). Even though there is a disparity of income distribution among countries, the fact that wages are solely based on the skills of workers cannot be downplayed in the aspect of a globalised workforce. It was noted that the skilled industries and the advanced production mechanisms of developing countries are likely to have a strong impact on their competitive advantage (Sachs,

Essay --

Introduction: Since ancient times, human had two types of energy. The two types are conventional energy and renewable energy. At that times with the available knowledge which guided human to use solar, wind and water energy which are named as renewable energy. Renewable energy defined as the energy which produced daily from nature itself without any direct cause by humans or life creatures. The second type of energy is the non-renewable or the conventional type which is the energy kind which cannot be recreated and it is created from very long time by creature’s bodies such oil, gas and coal. 1. Discuss and write about the conventional sources of energy that is widely utilized in Oman and provide examples with statistics. Nowadays the common used energy is the conventional type. It is used all over the world widely. In Oman it is the main source of energy and economy where it generates the production of the secondary type of energy like electricity. All the modern life at all its sides and faces they depend in oil and gas only. The discovery of oil was in 1962 while the production started on the end of 1960s. Oman production of oil is about 924,000 barrels per day according to 2012 statistics. Oman consumes 124,000 barrels for entire use and the rest for export. Gas production in the same line with oil always it reached up to 936.55 billion cubic feet while the exported amount is 317 billion cubic feet only. Coal production still not utilized as a main source. Oman needs extra and extra energy year after year, all that because of the development and the rise on the population. For example between 2000 and 2010 the amount of electricity which is produced for Oman entire use increased from 8.6 to 18.6.g igawatts. As a modern l... ... for green life and for modern ways to protect all the nature resources. Renewable energy is the future of all life not only the energy because it has no side effect, and no limits for its availability. The renewable energy will be large industry same as oil and gas but it will be much easier and safer. Conclusion: References: 1. Oman’s renewable energy potential - solar and wind | Norton Rose Fulbright. 2013. Oman’s renewable energy potential - solar and wind | Norton Rose Fulbright. [ONLINE] Available at: http://www.nortonrosefulbright.com/knowledge/publications/75892/omans-renewable-energy-potential-solar-and-wind. [Accessed 29 November 2013]. 2. U.S. Energy Information Administration (EIA). 2013. U.S. Energy Information Administration (EIA). [ONLINE] Available at: http://www.eia.gov/countries/country-data.cfm?fips=mu. [Accessed 29 November 2013].

Applying Critical and Creative Thinking in Daily Life Essay

Critical and creative thinking skills are a must when you have a family with two working parents and two children. This past year my wife and I have had to become very creative with our budgeting to keep our family on a clear financial track. Raising a family can be tricky for anyone but when financial problems unexpectedly arise it really throws a curve ball in the mix. We had to do some quick thinking and come up with some unusual methods to keep our family on track with the holidays quickly approaching. We used creative thinking to look around for the ideas and critical thinking to put those creative ideas out and decide which ones would work best for our situation. Last October with very little warning I lost my job. Now since my wife only works part time, I am the major bread winner in our family. My job supplies our money for our monthly bills, our health insurance and our life insurance. My wife’s paycheck is more for spending money and savings. However, our savings was extremely low because we had just purchased a new home a couple months before and had to make two unexpected trips home to Illinois within three weeks the month before because of illness in the family. When I came home and told my wife I was losing my job she was definitely extremely worried. We had to come up with a plan to keep our financial heads above water and quick. First we sat down and went over each and every expense in our household. We took out the ones we didn’t really need such as extra internet fees and clothing allowances for the next couple of months. These were just luxuries and our clothing was fine for now. We wanted to try our best for now to keep the kids’ lives minimally changed. Next we looked at ways to make extra income while I was unemployed. I am an IT security engineer so we knew that more than likely I would not be unemployed for long but we needed to plan for three months minimum. Also included in these three months was of course Christmas, which of course  means even more money is needed. I was previously in the military so I would continue to get my GI Bill money since I was going to school so that was helpful. My wife picked up extra hours anytime she could get them at work and I took small jobs on the side helping friends fix computer problems. Since I was home the daycare needs were able to be stopped and when I had interviews my wife found friends that could help out. The problems arose when we had to have some unexpected plumbing done in this time period. We do not typically use credit cards. We keep two on hand for times of emergency but after some bad experiences when we were younger we make it a must to pay them off immediately. Together we decided it was a must to put the plumbing fees on them and pay it off as soon as I got another job. Our daughter performs in a school activity and we had to ask her grandparents to help out with the fees to that. We told them she would understand if it was part of her Christmas present. It worked out great and helped her to understand that as a family we needed to work together. Keeping our house and vehicle payments, the utilities and food on the table were the most important things. All in all with some creative and critical thinking we have come through what could have been a complete financial crisis for us. We did not get too behind and as soon as I started working again we made sure to get all credit card bills paid back off and money back into our savings in case this ever happens again. REFERENCES Ruggiero, Vincent Ryan. (2012). The Art of Thinking: A Guide to Critical and Creative Thought, Tenth Edition. New Jersey: Pearson

Battle of Eutaw Springs in the American Revolution

The Battle of Eutaw Springs was fought September 8, 1781, during the American Revolution (1775-1783). Armies Commanders Americans Major General Nathanael Greene2,200 men British Lieutenant Colonel Alexander Stewart2,000 men Background Having won a bloody victory over American forces at the Battle of Guilford Court House on March 1781, Lieutenant General Lord Charles Cornwallis elected to turn east for Wilmington, NC as his army was short on supplies. Assessing the strategic situation, Cornwallis later decided to march north into Virginia as he believed the Carolinas could only be pacified after subjugating the more northern colony. Pursuing Cornwallis part of the way to Wilmington, Major General Nathanael Greene turned south on April 8 and moved back into South Carolina. Cornwallis was willing to let the American army go as he believed that Lord Francis Rawdons forces in South Carolina and Georgia were sufficient to contain Greene. Though Rawdon possessed around 8,000 men, they were scattered in small garrisons throughout the two colonies. Advancing into South Carolina, Greene sought to eliminate these posts and reassert American control over the backcountry. Working in conjunction with independent commanders such as Brigadier Generals Francis Marion and Thomas Sumter, American troops began capturing several minor garrisons. Though beaten by Rawdon at Hobkirks Hill on April 25, Green continued his operations. Moving to attack the British base at Ninety-Six, he laid siege on May 22. In early June, Greene learned that Rawdon was approaching from Charleston with reinforcements. After an assault on Ninety-Six failed, he was compelled to abandon the siege. The Armies Meet Though Greene had been forced to retreat, Rawdon elected to abandon Ninety-Six as part of a general withdrawal from the backcountry. As the summer progressed, both sides wilted in the regions hot weather. Suffering from ill-health, Rawdon departed in July and turned command over to Lieutenant Colonel Alexander Stewart. Captured at sea, Rawdon was an unwilling witness during the Battle of the Chesapeake in September. In the wake of the failure at Ninety-Six, Greene moved his men to the cooler High Hills of Santee where he remained for six weeks. Advancing from Charleston with around 2,000 men, Stewart established a camp at Eutaw Springs approximately fifty miles northwest of the city. Resuming operations on August 22, Greene moved to Camden before turning south and advancing on Eutaw Springs. Short on food, Stewart had begun sending out foraging parties from his camp. Around 8:00 AM on September 8, one of these parties, led by Captain John Coffin, encountered an American scouting force overseen by Major John Armstrong. Retreating, Armstrong led Coffins men into an ambush where Lieutenant Colonel Light-Horse Harry Lees men captured around forty of the British troops. Advancing, the Americans also captured a large number of Stewarts foragers. As Greenes army approached Stewarts position, the British commander, now alerted to the threat, began forming his men to the west of the camp. A Back and Forth Fight Deploying his forces, Greene used a formation similar to his earlier battles. Placing his North and South Carolina militia in the front line, he supported them with Brigadier General Jethro Sumners North Carolina Continentals. Sumners command was further reinforced by Continental units from Virginia, Maryland, and Delaware. The infantry was supplemented by units of cavalry and dragoons led by Lee and Lieutenant Colonels William Washington and Wade Hampton. As Greenes 2,200 men approached, Stewart directed his men to advance and attack. Standing their ground, the militia fought well and exchanged several volleys with the British regulars before yielding under a bayonet charge. As the militia began to retreat, Greene ordered Sumners men forward. Halting the British advance, they too began to waver as Stewarts men charged forward. Committing his veteran Maryland and Virginia Continentals, Greene stopped the British and soon began counterattacking. Driving the British back, the Americans were on the verge of victory when they reached the British camp. Entering the area, they elected to stop and pillage the British tents rather than continue the pursuit. As the fighting was raging, Major John Marjoribanks succeeded in turning back an American cavalry attack on the British right and captured Washington. With Greenes men preoccupied with looting, Marjoribanks shifted his men to a brick mansion just beyond the British camp. From the protection of this structure, they opened fire on the distracted Americans. Though Greenes men organized an assault on the house, they failed to carry it. Rallying his troops around the structure, Stewart counterattacked. With his forces disorganized, Greene was compelled to organize a rearguard and fall back. Retreating in good order, the Americans withdrew a short distance to the west. Remaining in the area, Greene intended to renew the fighting the next day, but wet weather prevented this. As a result, he elected to depart the vicinity. Though he held the field, Stewart believed his position was too exposed and began withdrawing to Charleston with American forces harassing his rear. Aftermath In the fighting at Eutaw Springs, Greene suffered 138 killed, 375 wounded, and 41 missing. British losses numbered 85 killed, 351 wounded, and 257 captured/missing. When members of the captured foraging party are added, the number of British captured totals around 500. Though he had won a tactical victory, Stewarts decision to withdraw to the safety of Charleston proved a strategic victory for Greene. The last major battle in the South, the aftermath of Eutaw Springs saw the British focus on maintaining enclaves on the coast while effectively surrendering the interior to American forces. While skirmishing continued, the focus of major operations shifted to Virginia where Franco-American forces won the key Battle of Yorktown the following month.