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The Werewolf By Angela Carter Essay Topic
Thursday, September 3, 2020
The Rise of Black British Culture from Black British Music free essay sample
The blend of pop, ask, and punk hugy affected not just blacks in Britain anyway whites moreover. Another part of the Black British culture Is the ascent of the dark culture in legislative issues, work, and training. Like America, blacks In the after war Brutal were delimitation against and were not greeted wholeheartedly; anyway Black British clutched their way of life and earned their place in the public eye. Dark British music is persuasive in Britain to most people in the public arena. Through Some Kind of Black composed by Adrian Dabbled, the peruser can see the impact of music in characters. Reggae, Hip Hop, and Jungle music are three sorts of Black British music that are compelling in Britain. Dark British music contains music from entertainers Like George Bridgetown to Billy Waters, who was to a greater extent a road entertainer. Dark British music is created by different impacts: particularly Caribbean impacts, it likewise has been affected by Black American styles of music like rap. We will compose a custom exposition test on The Rise of Black British Culture from Black British Music or then again any comparable point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Like most music, Black British music has numerous impacts anyway it has its own unmistakable personality and speaks to Black British as a whole.Reggae is one extremely compelling kind of Black British music. It was created in Jamaica around the late backtalk and contains various styles of music Like ask and soared. Gatherings Like Black Roots were extremely Influential In the eighties and nineties. Reggae contains different instruments from the drums and different percussions, to bass, guitars, consoles, horns, vocals, and so on. Reggae is still exceptionally well known today all around the globe. Hip Hop is additionally a powerful factor operating at a profit British culture, anyway it spoke to another age of blacks in Britain.This sort of music was found in Some Kind of Black as proceeding onward from the age of new Immigrants to really being conceived In Britain. HIP Hop began In the backtalk and turned out to be exceptionally well known In the backtalk. The greater part of the hip jump music in Britain was made by men and was viewed as exceptionally manly and intense. This sort of music certainly affected the recognition on blacks and created different generalizations for the Black British society. It depicted the lawbreaker, hoodlum blacks in the public eye, which gave society an extremely unforgiving and negative point of view toward men. Additionally a great deal of this music was focused on sex, or drugs.During he post war Britain period, numerous ladies were viewed as items or sex images and a ton of ladies at that point. A great deal of the rappers, or people who were associated with hip jump were constantly observed with a ton of ladies, so the people who considered them to be symbols, were affected by this kind of conduct, which didnt help the perspective on ladies. With the impacts of music, and blacks characterizing their own darkness personality all through Britain, the Black British culture has gained a ton of ground in the public arena in general. Like America, Black British was depicted as imperceptible, crooks, and furthermore went with lower positions in the work market.However, today Black British are involving better paid Jobs, political positions, and fuse th eir own personality and culture inside the British society. Dark British has different parts of their way of life anyway music is one I find intriguing and extremely persuasive to the blacks in Britain. Today, a ton of the Black British music is found in America, likewise during the past this sort of music affected people in America, so in addition to the fact that black is British culture impacting Britain, and Europe it additionally impacts America and different nations around the globe.
Saturday, August 22, 2020
20150616 750 Disc2 Essay examples
20150616 750 Disc2 Essay models 20150616 750 Disc2 Essay models Peruse Ch 3 and 4 of your Text: Organization Development and Change-Cummings and Worley. Answer the accompanying inquiries. Clarify your answers with explicit models from work and individual encounters. Associate your responses to the readings from your content. 1) What is your own meaning of OD? Authoritative advancement is an exploration practice devoted to creating orderly changes through information assortment in an association to improve execution. Hierarchical advancement examines practices and standards and makes intends to change ineffectual guidelines and extend information in manners that can create evidentiary-based upgrades. 2) In what ways do the definition(s) of OD as portrayed in your content apply to your encounters and meaning of OD? Clarify. In my area of expertise there will in general be a great deal of inside counseling, representatives working from inside evaluating procedures and practices to persistently improve process stream and hierarchical norms. As interferences to forms happen, a survey procedure is made to study, plan and change streams that arenââ¬â¢t working ideally. The accompanying definition addresses my comprehension of hierarchical improvement inside my association. ââ¬Å"Organizational advancement alludes to a long-run exertion to improve an organizationââ¬â¢s critical thinking capacities and its capacity to adapt to changes in its outside condition with the assistance of outer or inner social researcher experts, or change operators, as they are in some cases called (French).â⬠A flow push is to improve process documentation all through our specialty. We found that we are truly underprepared when people resign or leave the division and that their insight base is leaving with them. This is a change that will consistently should be observed and surveyed as procedures and frameworks keep on evolving. 3) What should be added or changed to the definition with respect to your experience as well as industry? Clarify. I believe that a component of adaptability should be included into the definition. Maybe adaptability makes a detachment that is bothersome yet it appears that when we sharpen a procedure or
Friday, August 21, 2020
Social Media and Costa Coffee free essay sample
This report investigates Costa Coffeeââ¬â¢s advertise nearness worldwide and inside Singapore. First subtleties the finished foundation research and item ideas for Costa Coffee. Next, recorded is their present web based life outline. This remembers their essence and measure of action for various stages, for example, Twitter and Facebook. After exhaustive research, Costa Coffeeââ¬â¢s target customers are understudies and working experts, matured 20-40 years. The two sections are overwhelming purchasers of claim to fame espresso and exceptionally dynamic on numerous online life stages. As of now, Costa Coffee is inadequate with regards to mindfulness in the Singapore espresso showcase. To expand brand mindfulness, there are three compelling internet based life systems: Singapore Costa Coffeeââ¬â¢s virtual visit, YouTube video channel, and the Costa Coffee Facebook page. Certain advantages will incorporate brand familiarity with the Mocha Italia espresso, client commitment, and expanded online conversation. Ultimately, the potential and unavoidable dangers are sketched out. Organization Overview Costa Coffee is a café chain established in London, in 1971, by siblings Bruno and Sergio Costa. We will compose a custom exposition test on Online life and Costa Coffee or then again any comparable subject explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page At that point, Bruno and Sergio Costa basically provided espresso to nearby food providers and cafés. Nonetheless, with the expanding prevalence of their espresso they opened the primary Costa Coffee outlet on Vauxhall Bridge Road in London, in 1978. In 1995, the Whitbred Company obtained Costa Coffee. Today, Costa Coffee is the biggest and quickest developing café chain in the United Kingdom. Costa Coffee entered the Singapore advertise in 2012 (Costa Coffee, 2013). Costa Coffeeââ¬â¢s principle strategic, ââ¬Å"To serve the best quality espresso in evident Italian styleâ⬠. The organization has joined this into all its image contact focuses, including its items, costs, outlets and battles. What's more, Costa Coffeeââ¬â¢s vision is, ââ¬Å"To be the best accommodation organization that there is a group of related lodging, café and recreation club brands perceived by its kin, visitors and financial specialists as pioneers in each market in which it works. â⬠(Whitbred PLC Annual Report and Accounts, 2012-2013). Costa Coffee has additionally settled a few objectives which identify with its vision and statements of purpose, these include: Item Concept Costa Coffee is an Italian mix espresso, which is made only from six distinct kinds of moderate simmered Arabic beans. This gives the espresso a more full flavor and a more grounded smell. Also, Costa Coffee is one of only a handful barely any espresso brands, which has its own roastery. This guarantees some espresso is of the highest caliber. In addition, in a day and age where corporate social duty is turning into a worldwide concern, Costa Coffee gathers its espresso beans from just the absolute best: 100% Rainforest Alliance endorsed fields. Costa Coffee expects to imply extravagance, greatness and flawlessness. Which are all consolidated in the different elements of the Costa experience, including, its items, costs, outlets, battles and representatives. Aside from espresso, Costa likewise offers a wide scope of food (paninis, toasties, sandwiches and wraps) and treats (cakes, cakes, brownies, biscuits, pies and bakes)(Costa Coffee, 2013). Costa Coffee clients are the individuals who appreciate the genuine Italian taste that the Italian mix offers. Clients are espresso sweethearts, yet are the individuals who acknowledge quality and assortment. Today, Costa Coffee has gotten a most loved for people in a hurry, regardless of whether they are taking a break from work or simply shopping in the shopping center. To build client comfort and openness, Costa Coffee has innovatively planned 5 different ways through which people can appreciate the Costa Coffee experience: Costa Outlet, Costa Metro, Costa Express, Costa Drive-Thru and Catering (Costa Coffee, 2013). By having these various sorts of foundations, Costa Coffee contacts all espresso sweethearts, expanding its upper hand and brand dependability. Internet based life Overview Costa Coffee is right now present via web-based networking media stages, for example, Facebook and Twitter. Their Facebook page has around one million preferences and Costa Coffee Singapore has around 7,500 preferences. Costa Coffee is working seriously with their Facebook page by posting photos of their items and new offers. The organization is likewise dynamic on Twitter, where they have around 60,000 devotees around the world. On their Twitter page, Costa Coffee is showcasing their items and introducing offers that are explicit for the ebb and flow season. They likewise have three businesses who are taking a shot at a regular schedule between 9am-5pm responding to client questions. Their site is easy to use as it incorporates a legitimate plan about clear item data, their association diagram, and their pledge to Rainforest Alliance. Costa Coffee is dynamic on most online networking networks and is doing very well with regards to client to-organization connections. Target Consumer: Working Professionals and Students (Aged 18-40) The 2013 National Coffee Drinking Trends statistical surveying report delivered by the National Coffee Association (NCA) uncovers that the grown-up espresso drinking market portion is expanding. There was an expansion in 5% of American Adults that savor espresso 2013 (up from 83% in 2012) (Vending Market Watch, 2013). In like manner, ââ¬Å"according to measurement from Euromonitor, the UK advertise for coffeeâ⬠¦is figure to develop by at any rate 10% in the following two years. Today, about 80% of UK grown-up populace drink espresso (as refered to in Urbantimes, 2013). Also, another report from the NCA states that one of every three had drank a gourmet espresso yesterday, which hardens the presumption that the forte espresso advertise is developing at a more grounded rate (Vending Market Watch, 2013). Very much fermented, claim to fame espressos transformed into an item among working experts and understudies. It has gotten all inclusive over various pay classifications yet at the same time stays among the exceptionally taught section. Costa is concentrating on understudies, teachers, and other workforce because of their high utilization of espresso and their longing to utilize Costa areas as an advantageous spot to unwind, assemble, and study. As indicated by a review completed by the National Coffee Association, 40% of 18-multi year olds are drinking an espresso every day. This is an extraordinary increment from the 31% of this age bunch who said they were every day espresso consumers in 2010 (as refered to in Urbantimes, 2013). Notice that day by day espressos turning out to be a piece of the ââ¬Å"student lifeâ⬠. In addition to the fact that students are enthusiastic espresso consumers, yet in addition extremely dynamic via web-based networking media destinations. As per a study done in 2012, 83% of 18-multi year olds are available via web-based networking media locales (Pew Internet American Life Project, 2013). The ââ¬Å"studentâ⬠section is a basic objective crowd to Costa Coffee due to their espresso utilization and their capacity to be reached through web based life. To the extent studentsââ¬â¢ desires, more are stating they need comfort, consistency, and availability in a coffeehouse. They are paying higher for claim to fame espresso due to itsââ¬â¢ separation from modest, conflicting spots, for example, Singapore Kopitiams. In addition to the fact that they expect quality in their espresso, however understudies additionally need a spot to complete their work. It is frequently hard to finish work in an apartment, as it is uproarious and boisterous. In like manner, the library can get full and on occasion even be difficult to track down a seat. Cafés give an agreeable and loosening up mood where understudies can finish papers and study; they become spots of asylum. Working experts is likewise another intensely focused on bunch for Costa Coffee. In specific nations, more than seventy five percent of the grown-up populace are espresso consumers as uncovered in the insights above. Working experts, around 25-40, are likewise progressively dynamic on long range informal communication destinations. Another overview by the Pew Research Centerââ¬â¢s Internet American Life Project expresses that 72% of online grown-ups utilize person to person communication locales (2013). What is much progressively captivating is utilization of long range informal communication keeps on developing among more seasoned clients. In 2009, in the age gathering of 30-49 years of age, 48% of grown-ups were utilizing long range informal communication destinations. In one year alone, there was a 27% expansion in this age class (Pew Internet American Life Project, 2010). Hence, these measurements obviously demonstrate why the working experts portion is similarly imperative to the Costa Coffeeââ¬â¢s online life battles. Both of these sections are developing consistently via web-based networking media existences and have high utilizations of espresso day by day. Working experts esteem an espresso shopââ¬â¢s climate for unexpected reasons in comparison to understudies; in many cases, they like to utilize their preferred coffeehouse as a spot to take a customer, to hold a gathering, or as an office away from the workplace. Like understudies desires, working experts esteem the accommodation, the consistency, and the availability. Also, drink quality, speed of administration, and ââ¬Å"customer intimacyâ⬠are profoundly esteemed to this market fragment. Destinations An essential overview was led on 51 Singaporean respondents (from the targetâ audience as recognized above) to show signs of improvement understanding about Costa Coffee in Singapore (study, 2013). Discoveries of the overview are given beneath: Graph 1: The study shows that Starbucks Coffee is the most conspicuous premium espresso brand, trailed by The Coffee Bean Tea Leaf and The Connoisseur Concerto. Furthermore, just 6% of the respondents think about Costa Coffee. This m eans Costa Coffee has nearly low brand mindfulness. Chart 2: Of 50 respondents, 71% have never been to Costa Coffee. This backings the end that Costa Coffee has low brand mindfulness. Diagram 3: Of 36 respondents who have never honey bee
Monday, June 8, 2020
ACT Announces Plan to Introduce Computer-Based Test in Spring, 2015
As reported in the New York Times, on May 6, 2013, the ACT, the organization that administers the ACT Exam, has announced that starting with spring, 2015 administrations of the exam it will offer computer-based testing. The ACT plans to make the computerized version of the test the default mode of testing, but will still allow schools that do not have "the technological capability" to continue to offer paper and pencil-based testing. Jon Erickson, the president of ACTââ¬â¢s Education Division is quoted in the New York Times article as saying ââ¬Å"We will probably have the option for students to choose paper and pencil, as well. But all the anecdotal evidence is that students prefer the computer.â⬠The content tested on the computer-based ACT will be unchanged from what is tested on the current paper and pencil-based exam. In addition, for the first time, there will be optional "constructed-response" questions, which are not multiple-choice, on the computerized version of the ACT. Students will perform "virtual tasks" and then enter their own answers to the questions.
Sunday, May 17, 2020
The Meaning for the Common Spanish Surname Colon
The common Spanish surname, Colon, most commonly derives from the Spanish given name Colà ³n, meaning dove, from the Latin colombus, colomba. As a personal name, it was favored by early Christians because the dove was considered to be the symbol of the Holy Spirit. The Colon last name is comparable to the Italian and Portuguese surname Colombo. Etymology The Colon surname may also have English origins, being a variant of Colin derived from the Greek personal name Nicholas, meaning power of the people, from theà elements nickan, meaning to conquer, and laos, or people. The surname is considered to be of Spanish and English origin. In the 17th and 18th centuries, it was discovered that several Colon families moved to the Caribbean Islands and the Central American region. Colon is known as the 53rd most common Hispanic surname.à According toà Public Profiler: World Names, the majority of individuals with the Colon surname live in the United States, followed by additional concentrations in countries like Spain, Luxembourg, Belgium, and France.à Alternate Surname Spellings CoulonCollonCoulonsCoulombCoulomCoullonCoullonsCoulhonCoulombsDecoullonsDecoulons Famous People With the Surname Cristà ³bal Colà ³n aka Christopher Columbus: Famous Italian explorer best known for his discovery of the New World.Carlos Colà ³n: Retired Puerto Rican professional wrestler. He is the father of wrestlers Carly Colà ³n, known professionally as Carlito, and Eddie Colà ³n, known professionally as Primo Colà ³n. He is also the uncle of WWE wrestler Epico, whose birth name is Orlando Colà ³n.Ashley Colon:à Puerto Rican artist singer originally from Jamaica. She started her career in the tropical music band Las Chicas del Clean, translating to the girls of the clan. Genealogy Resources 100 Common Hispanic Surnames Their MeaningsGarcia, Martinez, Rodriguez, Lopez, Hernandez. Are you one of the millions of people sporting one of these top 100 common Hispanic last names?COLON Family Genealogy ForumSearch this popular genealogy forum for the Colon surname to find others who might be researching your ancestors, or post your own Colon query.FamilySearch - COLON GenealogyFind records, queries, and lineage-linked family trees posted for the Colon surname and its variations.COLON Surname Family Mailing ListsRootsWeb hosts several free mailing lists for researchers of the Colon surname.DistantCousin.com - COLON Genealogy Family HistoryFree databases and genealogy links for the last name Colon. Use the resource First Name Meanings to find the meaning of a given name. If you cant find your last name listed, you can suggest a surname be added to the Glossary of Surname Meanings and Origins. References: Surname Meanings and Origins Cottle, Basil. Penguin Dictionary of Surnames. Baltimore, MD: Penguin Books, 1967.Menk, Lars. A Dictionary of German-Jewish Surnames. Avotaynu, 2005.Beider, Alexander. A Dictionary of Jewish Surnames from Galicia. Avotaynu, 2004.Hanks, Patrick and Flavia Hodges. A Dictionary of Surnames. Oxford University Press, 1989.Hanks, Patrick. Dictionary of American Family Names. Oxford University Press, 2003.Smith, Elsdon C. American Surnames. Genealogical Publishing Company, 1997.
Wednesday, May 6, 2020
John Stuart Mill s Qualitative Hedonism Essay - 1350 Words
In this hypothetical, two options are given. A person may choose from being reincarnated as Haydn, a famous musical composer, for 77 years. Or one may live as an Oyster, and decide for themselves however long they want to live. An oyster would experience unlimited years of a feeling that is near that of floating drunk in a bathtub. As Haydn, a person would experience the highs and the lows of life. Haydn composed many symphonies, and was a celebrity in his day as a musical composer. With being famous and influential, comes low times and struggles as well. The decision is between a painless life of small satisfaction, or a mix between extreme satisfaction and extreme lows. Two well-known philosophers have very different thought processes, when it comes to this thought experiment. Jeremy Bentham and John Stuart Mill are their names. I side with John Stuart Millââ¬â¢s qualitative hedonism. I believe that his theory is more plausible. I believe this because in my life I have encounte red the joy of higher pleasure and am certain it is much better than that of a lower pleasure. Jeremy Benthamââ¬â¢s quantitative hedonism is a viewpoint that quantity, intensity, and duration of pleasures determines the value of that pleasure. Bentham argues that happiness is the ultimate good. He argues that the definition of happiness is pleasure accompanied by an avoidance of pain. Jeremy Bentham believed that creating the greatest combined happiness was the key to correct moral behavior.Show MoreRelatedUtilitarianism : Bentham And Mill766 Words à |à 4 PagesBentham VS. Mill Utilitarianism is a normative ethical theory that holds the morally right course of action in any given situation is the course of which yields the greatest balance of benefits over harms. More specifically, utilitarianismââ¬â¢s core idea is that the effects of an action determine whether actions are morally right or wrong. Created with philosophies of Jeremy Bentham (1748ââ¬â1832) and John Stuart Mill (1806ââ¬â1873), Utilitarianism began in England in the 19th Century. Bentham and Mill builtRead MoreJohn Stuart Mill s Definition Of Quality975 Words à |à 4 Pages John Stuart Millââ¬â¢s definition of quality can be broken-down distinctively into four separate definitions. When evaluating pleasures, J. S. Mill alleged the quality of particular pleasures is determined by how much pleasure the person obtains from the pleasure, in addition to, how just the pleasure is beneficially to society. Moreover, Mill argued against ââ¬Å"â⬠¦Benthamââ¬â¢s purely quantitative view of pleasure. Without denying that quantity is a consideration in the calculation of pleasure, Mill believedRead More Immanuel Kants Ethics Of Pure Duty and John Stuart Mills Utilitarian Ethics Of Justice2753 Words à |à 12 PagesImmanuel Kants The Grounding For The Metaphysics of Morals and John Stuart Mills Utilitarianism Immanuel Kant and John Stuart Mill are philosophers who addressed the issues of morality in terms of how moral traditions are formed. Immanuel Kant has presented one viewpoint in The Grounding For The Metaphysics of Morals that is founded on his belief that the worth of man is inherent in his ability to reason. John Stuart Mill holds another opinion as presented in the book, Utilitarianism thatRead MoreMoral Judgements Are Morally Wrong?2025 Words à |à 9 PagesThis also means that actions need to present the most overall good for all and not just a single person. John Stuart Mill, a nineteenth century British philosopher, would agree with the utilitarian approach by arguing that actions are deemed morally permissible if they will make more people happy than any other alternative course of action. In this paper, I will contrast Immanuel Kant and John Stuart Millââ¬â¢s ethical theories, and then argue that Millââ¬â¢s view of utilitarianism is the stronger of the twoRead More A Case Study Depicting the Importance of Ethics in Medicine Essay4544 Words à |à 19 Pagesweighing advantages to disadvantages (Seedhouse, 2009; Hope et al, 2009). Aristotle and Plato shared a common view in asserting that egoistic hedonism is when a person engages in moral action by acting in his or her own best interest (Thompson, 2000). The ethical theory of utilitarianism was developed by Jeremy Bentham (1748-1832) and John Stuart Mill (1806- 1873) (Hendrick, 2001; Thompson, 2000; Beauchamp Childress, 2009). According to Benthamââ¬â¢s theory of utilitarianism, the moral action to
Money Saving Tips for College Students free essay sample
As for any college student the usual expenses of; school, personal life, food, entertainment, and leisure activities is enough to make you broke or for most of us, in debt. It is Thursday night and the weekend is here but your wallet is full of bank receipts and there is not any cash to been found. Your friend just told you the agenda for the night which involves; dinner, pre-game, party, and then night club. Chances are your staying in for the night unless you have a hidden supply of cash under your bed. This type of scenario is all too common for most college students, which is why I am going to explain in detail how to save and manage your money more effectively. With becoming better educated on how to manage your money properly you will be shocked at the amount of cash you can save. The following tips will help you to save money in the following areas of your college expenses; money management, organization of money, personal life, decision making, jobs, entertainment, leisure activities, food, dating, tuition, and books. Learning how to manage your money and having the proper knowledge on which banks to use with your money is an important part on saving your money. The following bullets will explain in detail on how to effectively manage your money: 1) Track your expenses ââ¬â By tracking your expenses for 2 weeks to a month will allow you to have a better understanding where your money is going. Are red bulls at the 7-11 and a cappuccino at Starbucks 4 times a week actually needed? You will tend to realize the amount of money wasted on small items that are not necessary. Just by tracking your expenses you will begin to manage your money more effectively. To keep better and more organized track of your money, using a notebook or quicken are great tools to being better organized. Having good records prevents you from spending what you do not have and from over drafting your account. 2) Budget your money ââ¬â The best way to manage your money over a period of time is to create a budget. Take the time to sit down and look at your incomes and expenses. Examples of income are scholarships, paycheck if working, loans, money saved throughout summer and money from your family. Examples of expenses are books, food, rent, bills, tuition, and entertainment. Create a list of your incomes and expenses, and then decide a way to budget your money from either week to week or month to month. It is important to pace yourself when putting yourself on a budget. If you spend all of your money in the beginning of the month, you will be stuck eating leftovers from the cafeteria for the last week. In addition, it is important to provide yourself with money for leisure and entertainment. You are a college student, it is refreshing to buy yourself something new or have a good time every once and a while. Putting your money on a budget will help you to manage your money very effectively. Remember, you donââ¬â¢t always have to spend the amount you budget yourself. Also, planning ahead is essential when you are properly managing your money. If you know that soon you will be going on a vacation, paying your car insurance, or just an expensive weekend; placing aside $50 a week is more reasonable than coming up with $400 at once. 3) Choosing a bank ââ¬â Join a credit union. Credit unions are set up as non-profit so they do not charge those high interest rates and hidden fees as, for example, a Bank of America would. Also, look into online banking, this makes for a fast easy to use way of banking. ) Credit Cards ââ¬â The most helpful tip that I can give to a college student would be to stay away from credit cards. Do not fall into the traps of free giveaway sign up booths, those guys trying to sign you up are only trying to take your money. The reality is that credit card companies see college students as suckers. That is why credit companies swarm campuses and make getting a credit card so easy. These credit companies also charge a high interest rate on these cards. The average interest rate is 18%; this means you will have to pay back an additional 18% on whatever you may purchase. The higher the interest rate, the harder it will be to pay off your bill. It is like a chain reaction that will just continue to bury you in debt. As you can only afford to pay off the minimum, the interest continues to gain as the bill continues to rise. To avoid this, it is important to avoid the temptations that come with having a credit card and to also try to make more than the minimum monthly payments. Although, having a credit card for emergency situations and to build up your credit for the future can be very beneficial. However, for college students reaching for that Visa can be a very hard habit to break. In addition, credit companies will give you a credit line well higher than what you may need. They may set you at a $5,000 credit limit, when you may only be able to afford $1,000. Just call the credit company and tell them the price you would like your credit line set to. With having a credit card it does not mean you can buy whatever you want. It is important to be realistic and to understand what you can and cannot afford. Most expenses tend to occur in the beginning of the school year. To plan accordingly for this, saving money while working your summer job would help to cut the cost of initial expenses. When coming back to school, books and various items for your apartment/dorm are going to be quite costly. To cut cost on buying books, it is often cheaper to buy books offline or off a friend. Buying books online can be easy and up to half the price that it would be in the bookstore. One downside to buying books online is the amount of time it can take for shipping, so be sure to place your order as early as possible. You may also have some friends who have had the same classes before you, buying a book off a friend who is not going to use it anymore can save you a good amount of money. With having the power of the credit card, it is important to keep a focus on what is important. You want to keep your expenses to either academic or personal essentials. It might seem as if the new PS3 is just the item to place on your credit card, but I can assure you it is not. If this may seem as an essential to you then place aside money each week to save and buy that PS3 with cash. When purchasing anything remember cash is king. For most college students; the pressures of going out on the weekend, taking a girl out to dinner, having the latest technology, and still trying to save money can be quite the challenge. Now remember, youââ¬â¢re in college and on your own now, you donââ¬â¢t have your mother yelling at you to brush your teeth before bed or to clean your room. This is an opportunity for you to begin working on your self-discipline. Having your life in order and maintaining a clear head are two things that college students tend to lose sight of. Making the right decisions when it comes to your personal health and responsibilities is an important part of self-discipline. Within this section of personal life I will relate how staying active, eating healthy, nd enjoying your social life can help you to better manage your money. Everyone is in college to better their future and to get prepared for the real-world, but just as any college student, you want to make the best out of your time here. 1)Staying focused and active ââ¬â Living in dormitory or even in a house with eight roommates, you become very susceptible to catching different illnesses. By staying active and working out or excising several times throughout the week, your immune system will become stronger and fight off most illnesses. Staying in good shape also helps with increasing self-confidence, energy throughout the day, and keeping your mind active and positively focused. In college it is easier to gain the weight than it is to lose if you fall into the outside pressures of drinking, eating fast food, and sleeping all day. With keeping the self-discipline of staying focused and active it helps to keep a clear head which in return will help you to decide what expenses are important and what is a waste of your money. 2)Healthy diet To stay fit and keep your body in good shape, your diet is just as important as your workout. By going to the grocery store once a week and purchasing vegetables, fruits, meats, beverages, and carbohydrates can help you to save close to an additional $50-$100 a week. Not only is cheaper to purchase food at the grocery store but it is much healthier than ordering out or eating fast food. To cut the cost on buying groceries, divide the cost by you and your roommates, buy and share the food. In addition, you will receive more for your money when you purchase weekly groceries. To get the best prices for quality products, look through the newspaper ads for each supermarket and plan out where you can save the most money. Cut back on buying junk food, it is often expensive and is not healthy. If you do decide to eat out, college towns often have restaurants where you order and serve yourself, this cuts on the cost of leaving a tip. The only problem that some college students might have is that they do not know how to shop at the grocery store or how to cook the food. This is where it might be helpful to make a phone call home and get some instructions from your mother. For those that can cook and shop at the grocery store, this is a great way to get more for your money as well as maintain a healthy diet. )Social life ââ¬â This is often times confused for the reason as to why you are in college. While it may be easy to fall into the trap of going out every weekend and living the party life it is essential to keep focus as to why you are in college. You are here to get an education and better yourself, not to blow all your money on partying and fail out. This is where the significance of self-discip line and managing your money properly should take first priority. Everyone likes to have a good time and enjoy themselves, it is important to keep things in moderation. Learn to limit your vices or ââ¬Å"stress-relieversâ⬠(as some college students say) such as, beer, cigarettes, and etcâ⬠¦ These vices can be expensive and costly to your health as well. By keeping to your budget and using the allotted amount you give yourself a weekend you can enjoy yourself and still save money. Here are a couple tips on how to keep the expenses of your weekend nights to a minimum; â⬠¢Have a meal before you leave to go out. Leaving the house/dorm hungry can cost you a lot of money that you may not have. â⬠¢Leave your debit card and wallet home. Only bring the money you can afford for the night and your id. This will help to fight the temptations of buying unnecessary items, especially if you are under the influence. â⬠¢If you have friends that have an unlimited bank account and spend lots of cash, try to avoid them and hang with friends that relate to your financial status. You donââ¬â¢t need to spend a lot of money to enjoy yourself in college. The following is a list of inexpensive activities and entertainment for any guy or girl student who is looking to save money and enjoy their social life as well; â⬠¢Newspapers offer listings of inexpensive or free events that are going to take place in your city/town â⬠¢Going to matinee movies School events, such as sporting events or clubs â⬠¢Spend a day at the local park, go for a walk or fly a kite â⬠¢Bicycle rides with a friend â⬠¢Spending the afternoon baking and relaxing â⬠¢Grab a couple friends and play sports at the school gym â⬠¢Coffee shops often have free local bands play at night â⬠¢Afternoon f lea market â⬠¢Depending on the season, apple or pumpkin picking for Halloween, Christmas shopping, Easter decorating or designing eggs, etcâ⬠¦ â⬠¢Art gallery Student newspapers often give listings of free events or activities that are taking place around campus â⬠¢Play video games with friends, create tournaments and play for bragging rights â⬠¢Get involved in intramural sports â⬠¢Ladies usually get into clubs for free and get drink specials â⬠¢Go to bars with no cover charge and that have drink specials Throughout college you are going to meet a number of different people, some you will like more than others, and for those you do, you may find yourself taking him or her out on a date. Now for most people, saving money and dating are two notions that donââ¬â¢t connect. For most, on a first date you try to impress and give off the perception that you are not broke or even worse, cheap. To the disbelief of many, dating does not have to be expensive to be impressive, entertaining and unforgettable. Remember, you are trying to stick to a budget and with all other expenses it is challenging enough. The following bullets will explain how to have fun on a date without spending all your cash. â⬠¢Mother Nature ââ¬â It is all around us everywhere we go, natural scenery is different at every campus and usually the beauty goes unnoticed. A great idea for when the weather is nice is to take him or her down to Narrangansset or Newport and go for a walk on the beach. Take a walk around city blocks and stop somewhere there is nice view overlooking the city. Take time to find these spots at which ever campus you are, this can be extremely cheap and give quality time to build a better relationship. â⬠¢Picnic A picnic in the local park is always a great idea. Bring sandwiches and beverages, it shows that you took the time to actually prepare something. This costs minimal as to what you spend at a restaurant and can be taken almost anywhere. Depending on the mood you are trying to create, you can make a picnic either casual or romantic by adding a few extra accessories. â⬠¢Sporting events ââ¬â If you get so lucky to find a woman who is interested in sports, this is a great opportunity to either play a sport together or to watch a sporting event at your school. This also allows you to spend quality time with one another as well as have a good time while saving your money. â⬠¢Experience culture and history ââ¬â In this city there a number of historical buildings, museums, art galleries, cultural centers and landmarks that are either very cheap or free. Often times, there are exhibits that are off campus that have reduced or free admission for college students. This is good for a date on a more intellectual level and gives time to get to know each other as well as the area you are in. â⬠¢Dinner at home ââ¬â For those of you who are culinary skilled, this is a great opportunity to impress your date and to save the cost of going out to eat. To make the date more interesting, cook the meal together and combine ideas. After the meal, this is a chance to hang out and watch a movie or play a game. This is a great date idea to impress and really have a good time. Miniature golf/go karts ââ¬â This makes for a great afternoon date and adds a little excitement. Racing each other and fooling around on the race track provides a fun time for one another. In miniature golf, a friendly competition allows to make things more exciting and to fool around. â⬠¢University events ââ¬â In the school paper, there are listings of events that are taking place for the following week. Usually events are free or reduced admission, which includes concerts, art exhibits, guest speakers, and plays. This can make for a quality date as well as save you money. â⬠¢Coffee houses ââ¬â Stop at a local coffee shop to relax and have conversation. Coffee is much cheaper than a meal at a restaurant and provides the relaxed atmosphere to get to know each other better. Also, order a dessert and splitting it provides for a romantic experience. Making Money Iââ¬â¢ve saved the best for last. If you can master even one of these, youââ¬â¢ll have a head-start on your friends. Master all four, and youââ¬â¢ll be on the road to wealth. No kidding. â⬠¢Spend less than you earn. Donââ¬â¢t earn much? Then donââ¬â¢t spend much. If your spending and income are roughly even, you have two choices: earn more or spend less. When I was in college, I worked as many as four jobs at once. This gave me a lot of spending cash. (Unfortunately, I didnââ¬â¢t do a good job with the spend less part of the equation. ) â⬠¢Be an outstanding employee. Good work habits can pay enormous dividends, leading to recommendations and contacts that you can use after youââ¬â¢re out of school. Several of my classmates turned work-study jobs into launching pads for future careers. â⬠¢Start your own business. Can you install a hard drive? Can you strip a computer of spyware? Can you perform minor car repairs? Do you have a pickup truck you could use to haul furniture? Are you a passable guitar player? Charge cheap rates and exceed expectations. Word will spread. When youââ¬â¢ve built up a customer base, you can raise your rates a little. This is an awesome way to make money. Learn to invest. Find a discount broker and begin making regular investments. Sharebuilder is a great choice for college students. It costs only $4 to make a scheduled stock purchase, and you can invest any amount of money, even $20. Donââ¬â¢t obsess over the details yet. You can worry about high returns and low fees later. Right now the most important thing is to develop the investment habit. (Ad: Buy Stocks for $4 at ShareBuilder. Ten years from now, youââ¬â¢ll thank yourself. If you can find a way to invest $1000 a year for the next ten years, you can set yourself up for life. Organization and Planning Save your receipts. Put them in a shoebox under your bed if you must, but hold onto them. Youââ¬â¢ll need to be able to compare them with statements at the end of the month. And some youââ¬â¢ll need to keep for several years. Guard your vital stats. Donââ¬â¢t give out your social security number or your credit card info except to known and trusted sources. Pay your bills on time. Basic advice, but itââ¬â¢s surprising how many people lose track of things. If you pay your bills as they arrive, you wonââ¬â¢t have to worry about forgetting them. Tuition Expenses â⬠¢Try looking for scholarships. You may think that youre no longer eligible for scholarships since youre a college student, but this isnt true. Your school or other foundations may offer scholarship programs that can save you loads of money on college tuition. For further information you may want to try www. findaid. org or www. college-scholarships. com. â⬠¢Shop around for student loans. Just like choosing a credit card company, you should try going to different banks to see what types of interest rates are available. You may want to choose the type of loan that begins charging you interest after youre finished with collegenot the type of loan that charges you interest while youre in school. Other Expenses â⬠¢Shop around for a reasonable cell phone plan. Try to find a plan that works best for the type of calls you make the most. Do you call your family or friends most often? Do you need a long distance plan? Do you text message often? â⬠¢Try filling your prescriptions at your schools health center. Sometimes campus health centers will fill your prescriptions for a fraction of the cost of a regular pharmacy. See a doctor on campus. If you feel sick, you may want to consider seeing a doctor or a nurse practitioner on campus. These services are often free.
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