Why I Need Discipline At Snowball Pay My Debts With A...

4 - Paying Off Your Debts With A Snowballing Technique Some call it a snowballing technique and others a positive-feedback loop, but it basically means paying off your debts. The trouble is that this technique uses a little bit of budgeting (which is tough), and you will need a fair amount of discipline to pull it off. Why Will I Need Discipline To Snowball-Pay My Debts The reason is that as the money builds up in your account--it starts to look awfully tempting. It grows and grows in your account on things such as your credit cards, and after a while, you start thinking about a new computer or an upgrade to your car, then you convince yourself you â€Å"need† whatever it is you want to buy, you justify it in your head, you spend the money--and you are back to square one. You need discipline to be able to stay away from your own money. It Works Best For Credit Cards Credit card debt is one of the most crippling kinds of debt because people max out their cards and then pay a large fee every month to cover the interest, but do not actually pay off the debt itself (just the interest). Plus, the more debt you have on your card, then the more mandatory interest you have to pay every month. An Example With Three Credit Cards This technique can work well with other types of debt, but for the sake of the example, it is shown here with three credit cards. All three cards are fictitious with fictitious names and all have been maxed out. Card Janeway - $2000 debt $60 interestShow MoreRelatedEvaluation Of A Research Methodology9423 Words   |  38 PagesChapter 4. Research methodology This chapter describes the research methodology that was chosen and why it was the most suitable for the research propositions. This chapter also covers the data collection and analysis and discusses issues of validity and reliability. 4.1 Research Method Each proposition serves to focus the data collection, determine direction and scope of the study and together the propositions form the foundation for a conceptual structure/framework (Miles Huberman, 1994;

Do You Agree or Disagree with the Following Statement Your Job Has More Effect on Your Happiness Than Your Social Life Does free essay sample

If job and social life were two entirely independent elements, the assertion that my job influences my personal happiness more than does my social life would be well accepted. Unfortunately, in too many days, and in too many circumstances, my job and my social life entangle together, although they are not like the warps and weft of my personal textile of happiness. My job renders me immense happiness day and night, in spring and in winter as well. This is not because my job is special or distinctly different from yours, my brothers and sisters, nor is it because my job gives me more money or other intangible income measured against the mundane criteria( ). But it is because I have a very special attitude towards my job. To put it exactly, I am always enthusiastic and even exuberant when I work. I firmly believe that whatever the job is, it is significant to my mental and menial life to the Lord and my God. We will write a custom essay sample on Do You Agree or Disagree with the Following Statement: Your Job Has More Effect on Your Happiness Than Your Social Life Does or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page I work for the glory of the Lord and my God rather than, as the multitude mortals do, for the sake of the Gold. Thus, wherever I am, whatever I do, I am happy. I take job as part of life or an inevitable experience of my spiritual pilgrim process. Even when I was in prison in 1989, when I was forced to clean the filthy toilets, forced to do farm work under the scorching sun without a drop of drinking water, or forced to hand wash their socks and underwear in the cold winter when the water is only available when I broke the ice in the river where the cold winter wind sings. My friends, I say that my job gives me immense happiness because I love life, my life and the life of friends and foes. I love my parents and daughter and my brothers and sisters, and I even love those who persecuted me. My way to love people is to do a perfect job. Similarly, my social life ranks the same as my job in terms of the happiness rendering. What is your social life? The social life, essentially, is to talk and communicate in whatever forms with others, the people as humble as we are, as sinful as we are, and as thirsty in spirit as we are. They are the brothers and sisters. Some people might ask me whether I hold the same attitude when I was confronted with evildoers or the people haunted by devil. I say to you, my brothers and sisters, they can be cured and well educated, if our human goodness and righteousness is yet not powerful enough to draw them back to the right track, then we pray for the help from the God and our Lord. My social life includes dealing with friends, students, their parents, and other educators. I here make it clear that I am an English teacher. All of my social life delights me.

Teenagers And Marijuana Essays - Drug Culture,

Teenagers and Marijuana During the past 5 years have teenagers been using more marijuana? Well, the statistics show that they are. In fact, since 1992, the use of marijuana has doubled. Why are teenagers using marijuana and what are the effects? This question will be answered to the fullest with test results, recent statistics, and personal experiences. Many people believe that kids start to use marijuana because their parents did it back in the 70's. They want to see what it's like so they try it once. That one time leads to another, and then another. Eventually they're addicted and may use it every day. Peer pressure is another factor. If you just hanging around with your friends and a couple of them are smoking marijuana, you might think that you're a pansy if you don't smoke it with them. So if you just smoke it once, may be they'll still think your 'cool', and once again one time leads to another. Marijuana can easily be researched on the Internet. You can find out how to grow it in your own back yard, how to sell it at the right price, how to hide it from authority figures, and how to make a joint out if it. Movies and songs can also be a major factor. Many current songs are directly related to marijuana. A popular rap CD has a picture of a marijuana leaf on the entire cover and labeled "Da Chronic", a slang tern that means "the marijuana". In movies, marijuana is talked about frequently also. Some movies like "Half Baked" focus on marijuana and teenagers being high all the time. In school is another factor of the increase of marijuana. When a number of teachers from various school were asked if the drug problem in their school is getting better or worst, 41% said that it's getting worst. However only 15% of principle say that it's getting better. In 1996, 10.9% of junior high students admit to smoking marijuana and 11.4% in 1997. That increase doesn't seem that much, be officials say that it's a huge increase considering that is it within 1 year. The increase of marijuana doesn't completely focus on teenagers. A 13-year-old is 3 times more likely to smoke marijuana than a 12-year-old is. It is discouraging to think that there is even a statistic for kids using drugs at such a young age. But surprisingly, the statistics go even younger than that. For children between the age of 6 and 9, the use of marijuana has doubled. The number's also show that the older you get, the more likely you are to using marijuana. In 1995 a survey asked a number of high school students from all around the country and this is what they found. 19.9% of 8th graders admit to marijuana use, 34.1% of 10th graders, and 41.7% of 12 graders. Which means that 1 out of 4 8th graders admit to using marijuana. That doesn't even include the students that don't admit it. 1 out of 3 10th graders admit to marijuana use, and more that 2 out of 5 12th graders. The numbers are amazing when you realize how many kids are smoking marijuana these days. It makes you wonder how the future of the nation. It is so easy for kids to get hooked on marijuana in today's society. 85% of adolescents say the drugs are the most important problem teenagers face. From personal experience at a recent concert, I was asked numerous time to smoke marijuana from people that I did not know and I'm sure that it has happened to most teenagers at a concert or any other gathering of some sort. All you have to do is to try it once and it is very difficult to say 'No' after that. It is very easy to separate the people that smoke marijuana from the people that don't smoke marijuana. Most kids who now depend on marijuana to live say that they wish they never started. Just about all of them, 97%, say that they still used pot even after they realized it became a problem. This just shows how hard it is to stop smoking marijuana the more you use it. 85% of the

US Postal Service Mail Holding Service Online Request

US Postal Service Mail Holding Service Online Request You spent months planning the perfect vacation and at last, its time to hit the road. The bags are packed, the car is loaded, and the dogs in the kennel. But wait. What about having days of mail stacking up in your mailbox where robbers and identity thieves might get their hands on it? No problem. Just go online and arrange to have the  U.S. Postal Service  (USPS) hold your mail while youre gone.   The USPS mail holding service offers postal customers the option of having their mail held for from three to 30 days quickly and easily. When you go on vacation, the last thing you need is to be concerned about the safety of your mail while youre away. Our Hold Mail Service addresses this issue almost effortlessly, said Francia G. Smith, USPS vice president and Consumer Advocate. This service represents our continued commitment to increasing customer access- making it easier and more convenient for customers to use the Postal Service when and where they need to. You can request USPS mail holding services up to 30 days in advance of the day you want it to start or as early as the next scheduled delivery day. You should request your mail holding start date by 3 a.m. EST (2 a.m. CT or 12 a.m. PST) on your requested day, Monday through Saturday. If you are going to be away from home for more than 30 days or if you are making a long-term move, you can also set up temporary or permanent USPS Mail and Package Forwarding Services. If you are making a permanent move, you can also use the forwarding service to update your official address. If you are just moving temporarily, you can use the Postal Service’s mail and package forwarding service for a period as short as 15 days or as long as one year. After the first six months, you can extend for another six months. How to Do It After you get online, just  go to the Postal Service home page. In the menu under Track Manage at the top of the page, click on the Hold Mail menu option.   Youll be asked to enter your delivery address information and the dates on which you want the Postal Service to start and stop holding your mail.   At the end of the mail holding request process, youll be given a  confirmation number so that you can modify the request if you come home early or decide you want to stay on vacation a little bit longer. The online service electronically notifies your local post office, and all of your mail will be held for the time specified and delivery is resumed on the requested date. Having the Postal Service hold your mail while you are away is one of the best steps you can take to prevent having your mail stolen. Request Mail Holding by Telephone   You can also request the USPS mail holding service over the phone by calling toll-free  1-800-ASK-USPS and following the menu options.   Whether requested online or by phone, millions of Postal Service customers have taken advantage of this convenient service since its 2003 launch.

Fun Movie Titles in Japanese and English

Fun Movie Titles in Japanese and English The Japanese enjoy movies, eiga (æ˜  Ã§â€ »), very much. Unfortunately, it is a little bit expensive to see movies at the theater. It costs ~1800 yen for adults. Houga (é‚ ¦Ã§â€ ») are Japanese movies and youga (æ ´â€¹Ã§â€ ») are western movies. The famous Hollywood movie stars are popular in Japan as well. Girls love Reonarudo Dikapurio (Leonard Dicaprio) or Braddo Pitto (Brad Pitt), and they want to be like Juria Robaatsu (Julia Roberts). Their names are pronounced in a Japanese style because there are some English sounds that dont exist in Japanese (e.g. l, r, w). These foreign names are written in katakana. If you have ever had a chance to watch Japanese TV, you might be surprised to see these actors quite often in TV commercials, something you will almost never see in North America.   Japanese Movie Translations Some youga titles are literally translated like Eden no higashi (East of Eden) and Toubousha (The Fugitive). Some use English words as they are, though the pronunciation is slightly changed to the Japanese pronunciation. Rokkii (Rocky), Faago (Fargo), and Taitanikku (Titanic) are just a few examples. These titles are written in katakana because they are English words. This type of translation seems to be on the increase. This is because borrowed English is everywhere and the Japanese are likely to know more English words than before. The Japanese title of Youve got mail is Yuu gotta meeru (You got mail), using English words. With the rapid growth of personal computer and email use, this phrase is familiar to the Japanese as well. However, there is a slight difference between these two titles. Why have is missing from the Japanese title? Unlike English, Japanese has no present perfect tense. (I have got, You have read etc.) There are only two tenses in Japanese: present and past. Therefore present perfect tense is not familiar and confusing to the Japanese, even to those who know English. Thats probably why have is taken away from the Japanese title. Using English words is an easy way to translate, but it is not always possible. After all, they are different languages and have different cultural backgrounds. When titles are translated into Japanese, they are sometimes turned into totally different ones. These translations are clever, funny, strange, or confusing. The word used most often in the translated movie titles is probably ai(æ„›) or koi (æ â€¹), which both mean love. Click this link to learn about the difference between ai and koi. Below are the titles including these words. Japanese titles first, then original English titles. Titles Japanese titles(Literal English translations) English titles Ai ga kowareru toki(When love is broken) Sleeping with the Enemy Ai ni mayotta toki (When lost in love) Something to Talk About Ai no sentaku(The choice of love) Dying Young Ai to iu na no giwaku(The suspicion named love) Final Analysis Ai to kanashimi no hate(The end of love and sorrow) Out of Africa Ai to seishun no tabidachi(The departure of love and youth) An Officer and A Gentleman Ai to shi no aida de(In between love and death) Dead Again Ai wa shizukesa no naka ni(Love is in the silence) Children of a Lesser God Eien no ai ni ikite(Living in the lasting love) Shadow Lands Koi ni ochitara(When falling in love) Mad Dog and Glory Koi no yukue(The place love has gone) The Fabulous Baker Boys Renai shousetsuka(A romance novel writer) As Good As It Gets The funny thing is there is no word love in all these English titles. Does love attract more attentions to the Japanese? Whether you like it or not, you cant ignore the Zero Zero Seven (007) series. They are popular in Japan as well. Did you know that in the 1967s You Only Live Twice, Jeimusu Bondo (James Bond) went to Japan? There were two Japanese Bond girls and the Bond car was a Toyota 2000 GT. The Japanese title of this series is Zero zero sebun wa nido shinu (007 dies twice), which is slightly different from the original title You Only Live Twice. It is amazing that it was shot in Japan in 60s. The views of Japan are not quiet right sometimes, however, you could almost enjoy it as a comedy. In fact, a few scenes were parodied in Oosutin Pawaazu (Austin Powers). We have had the lesson about yoji-jukugo (four character kanji compounds). Kiki-ippatsu (Ã¥  ±Ã¦ ©Å¸Ã¤ ¸â‚¬Ã© « ª) is one of them. It means in the nick of time and is written as below (see #1). Because 007 always escapes from danger at the last moment, this expression was used in the description for 007 movies. When it is written, one of the kanji characters (patsu é « ª) is replaced witha different kanji character (ç™ º) that has the same pronunciation (see #2). These phrases are both pronounced as kiki-ippatsu. However, the kanji patsu é « ª of #1 means hair which comes from to hang by hair, and #2 ç™ º means a shot from a gun. Phrase #2 was made up as a parodied word that has two meanings in botits reading and writing (007 escapes in the nick of time with his gun). Because of the movies popularity, some Japanese miswrite it as #2. (1)Ã¥  ±Ã¦ ©Å¸Ã¤ ¸â‚¬Ã© « ª(2)Ã¥  ±Ã¦ ©Å¸Ã¤ ¸â‚¬Ã§â„¢ º

Major Assignment 1 Essay Example | Topics and Well Written Essays - 750 words

Major Assignment 1 - Essay Example Yes, â€Å"if you fail to tip the person getting you that coffee, you may be directing and even substantially affecting that persons income (Lewis),† but the state sets a minimum wage requirement that the employer must adhere by. If tips and wages do not meet the minimum wage requirement, then the employer must compensate the employee for the difference. Yes, â€Å"they know that if someone shoots up his school, he will become a celebrity (Ellis),† but they also know that jail time will be in their future. Usually a school shoot up has nothing to do with fame but is a psychological reaction to bulling inside or outside the school or home. Yes, â€Å"61 percent of the programs examined last year contained some violence (Ellis),† but television program does not put the firearm in the hands of the adolescent. Parents with firearms have the responsibility to keep them locked up tight and safe from children. Yes, â€Å"the violence depicted on television and movies escalates with each passing year, as audiences grow inured to â€Å"routine violence (Ellis),† but many people watch violence without committing violent acts. Parents should monitor children’s viewing habits and watch violent programming with the child to explain what is happing and that it is wrong to do what they see in real life. In The Case against Tipping by Michael Lewis, Lewis had a point when he said, â€Å"people who serve you are more likely to do it well and promptly if they will be rewarded.† I felt this concern had merit in that servers do expect the tip and know that if they perform great service then they will be tipped generously. Servers also provide mediocre service if the patron is not spending much money at the establishment because they know the tip is based on a percentage of about 15%. A patron spending $2 on coffee will only be required to pay a 30-cent tip and that is hardly worth any effort. The expected tip should not influence the amount of service the patron receives but

What are the main arguments for and against the horizontal Essay

What are the main arguments for and against the horizontal proliferation of nuclear weapons - Essay Example It led to the loss of nearly a million civilian lives and total destruction of the city. Even those who survived this event, continued to suffer under effects of radioactive radiation for many subsequent years. A generation of Japanese children were born with congenital defects as a result of mothers’ exposure to radiation. Political leaders of today will have to consider their nuclear weapons program in the backdrop of this ghastly human disaster. The rest of the essay will point out the pros and cons of horizontal proliferation of nuclear weapons. It is very difficult to talk of the merits and demerits of horizontal proliferation of nuclear weapons without considering the effects of vertical proliferation. Horizontal proliferation is the acquisition of know-how, technology and material by a nation-state or a political/militant group so as to manufacture nuclear weapons of their own. The term ‘horizontal proliferation’ is used to refer to nation-states or similar entities that do not already have nuclear weapons but aspire and endeavour toward this goal. Vertical proliferation is the process of consolidation and improvisation of nuclear weapons by nation-states already well-established in making nuclear weapons. It is fair to say that vertical proliferation induces horizontal proliferation, as the latter group feel more and more insecure with their militarily well-endowed neighbouring states. In the years after the Second World War, Cold War was the political theatre upon which various nations placed their rationa le for developing nuclear weapons. Yet, even as recently as a decade ago, only a handful of nations were classified under the nuclear-enabled category of states. (Krepon, 2012, p.44) Recent geo-political developments, especially in the wake of September 11, 2001 terror strikes on the United States have significantly altered the internal political dynamics of many nations in the Middle-East and Asia. It