Financial Literacy - 8522 Words

FINANCIAL LITERACY â€Å"Financial literacy is one of the most important investor basics, especially if you want to be a safe investor, an inside investor, and a rich investor. Anyone who is not financially literate cannot see into an investment. Just as a doctor uses X-rays to look at your skeletal system, a financial statement allows you to look into an investment and see the truth, the facts, the fiction, the opportunities, and the risk. Reading a financial statement of a business or individual is like reading a biography or an autobiography.† â€Å"A business has a financial statement, a stock certificate is a reflection of a financial statement, each piece of real estate has a financial statement, and each of us as an individual human†¦show more content†¦A sophisticated investor reads the numbers to get the true story and begins to see things that the average investor does not see. A sophisticated investor must see the impact of government regulations, tax codes, corporate law, business law, and accounting law. One reason it is hard to find accurate investment information is that to gain a full picture requires financial literacy, an accountant, and an attorney. In other words, you need two different professionals to get the real picture. The good news is that if you take your time and invest the time to learn the ins and outs of what goes on behind the scenes, you will find investment opportunities and great wealth, wealth that very few people ever find. You will find out the truth about why the rich get rich er, and the poor and middle class work harder, pay more in taxes, and get deeper in debt. Once you know the truths, you can then decide which side of the quadrant you want to operate from. IT’S NOT HARD; IT JUST TAKES SOME TIME†¦TIME THAT PEOPLE WHO JUST WANT A HOT INVESTMENT TIP DO NOT WANT TO INVEST.† â€Å"When you come to the boundaries of what you know, it’s time to make some mistakes.† â€Å"The streets are a very tough teacher. In school, you’re given the lesson first. On the street, you’re given the mistake first and then it’s up to you to find the lesson, if you ever find it†¦inShow MoreRelatedThe Lack Of Financial Literacy Essay1371 Words   |  6 PagesThe lack of financial literacy has reached an epidemic proportion among America’s youth, and in today’s world, many teens work to achieve their own financial independence. According to a recent youth survey given by the RAND Group in 2015, $91 billion of spending power is by teen youth, and the downside to this is many teens have no idea how to handle money. Due to the lack of financial literacy leads many young people to unsuccessfully manage their consumer credit, establish bad financial managementRead MoreFinancial Literacy Essay970 Words   |  4 PagesFinancial Literacy Review The area in which I spent the most was definitely transportation however, this expense was an absolute necessity that I could not avoid. Being raised to be conscious about my money spending habits and to always look for a bargain was not something I could necessarily put into practice concerning this area. Areas where I spent the least would have to be personal care and personal extras; there is always a great sale and or off brand personal hygiene product to be boughtRead MoreThe Importance Of Financial Literacy953 Words   |  4 PagesFinancial Literacy Doing the Salt online courses helped me better manage my money and have initiated my search for a good credit card. Since doing the budgeting and credit courses, I’ve committed to what the courses taught me. Before the budgeting course, I would not look at my spending habits. In the course, I learned the differences between fixed and flexible expenses and how to categorize my current expenses. After taking the course, I started to overlook all my transactions, was more mindfulRead MoreThe Importance Of Financial Literacy Campaign811 Words   |  4 Pagescollege, we young people need to understand how money works and how to use it wisely. My generation isn’t the only one that that needs help--younger kids need to prepare for their financial futures too. That’s why we need a full-on financial literacy campaign, combining in- and out-of-school support. First, financial literacy needs to begin long before high school. Often, by our teens, many of us have already formed poor money habits. Reaching kids at an early, receptive age will instill smart moneyRead MoreQuestions On Financial Literacy Education798 Words   |  4 Pages Rationale: Financial Literacy Education, FLE traditionally assumes that the more knowledge a Financial Literacy Learner, FLL has the better the financial decisions outcome. In addition, government mandates address more objective financial approaches to FLE rather than those approaches related to attitudes and behavior of FLL. The use of personal experience and the telling of relevant personal stories are an impactful tool to use in the classroom. The idea of posing this research question isRead MoreQuestions On Financial Literacy Skills1105 Words   |  5 PagesIntroduction The objective of this report is to analyse two clients using primary and secondary data in these following areas: ïÆ'Ëœ Their financial Literacy skills ïÆ'Ëœ Their risk Tolerance ïÆ'Ëœ From the data how will you effectively communicate in relation to the two clients ïÆ'Ëœ Email regarding communication effectiveness within the business To assess the above criteria a hypothetical scenario was made that both clients had received an inheritance of $40,000 and how with go about investing their money investingRead MoreAssessment of Personal Financial Wellness of Teachers1115 Words   |  5 PagesProper financial education is an important part of life because it affects virtually every aspect of it. Everyone will likely someday face a difficult financial situation, whether large or small, that requires time and money. Having a good understanding of daily cash inflows and outflows in personal finances will help make tough situations less stressful and easier to handle. Cash (1996) Among five risk stressors in life ( relationships, work, health , crime/violence, amp; personal finance),Read MoreImpact of Financial Literacy on Financial Inclusion and the Initiatives by Canara Bank Towards Spreading Financial Literacy5229 Words   |  21 PagesAbstract: Financial inclusion has recently become the buzzword among the policymakers and bankers and in academic research. It is considered as an integral part of the efforts to promote inclusive economic growth. Financial inclusion has been the utmost priority for the government of India as well as the Reserve Bank of India. One of the executive at a prominent Public Sector Bank says, Financial Inclusion is a social obligation for the government, and social obligation, mandatory obligationRead MoreFinancial Literacy Involves The Choices1983 Words   |  8 Pages Financial literacy involves the choices you make about how to secure the resources that you need to fulfill your basic needs and achieve your goals. Financial literacy involves is a toolbox that contains many different tools. Below is a discussion of some of those tools. †¢ Money Choices - the medium of exchanged used to acquire good, services, and typically used to satisfy debts. Money flow to us from a job, government assistance, child support, family, and/or friends. †¢ Banking Choices - A bankRead MoreThe Impact of Financial Literacy Education on Subsequent Financial Behavior755 Words   |  3 PagesArticle Comparison Mandell, L. Klein, L. (2009). The impact of financial literacy education on subsequent financial behavior. Journal of Financial Counseling and Planning 20(1): 15-24. The data presented in this article is comprised of quantitative assessments of financial literacy in a population of 79 students one and four years after their participation in a financial literacy education course. The data is presented and interpreted in both visual/graphic fashions and in textual examinations

Title and Character Analysis of The Stranger by Albert Camus

The Stranger: Character and Title Analysis In Albert Camus’, The Stranger, the characters in the novel are individually unique in ways that bring out the positive and negative aspects of each other. When examining their traits you get the deeper meaning of things and what they stand for. The major characters in this novel are Meursault, Raymond Sintes, and Marie Cardona. Meursault shows no emotion through everything that goes on in his life such as a death. Raymond Sintes is a rude person and only thinks about himself. In contrast to both Meursault and Raymond, Marie is a loving and loyal girl that will stick with a person till the very end. The main character, Meursault, in this novel is a guy who shows no emotion no matter what is occurring in the world around him. Events such as a death of a parent, writing a letter to torment someone or convicting a murder don’t even faze him. When he received a telegram saying, â€Å"Mother deceased. Funeral tomorrow. Faithfully yours (Camus 1)† he didn’t show any real emotion. Meursault just simply didn’t care. Also, when studying his actions one conclusion leads to that he is honest, but a little too honest. At his mother’s funeral he wouldn’t even shed a tear because in his mind it would be known as a lie. He felt no emotion, so if he were to cry a false tear it would show a lying exterior in which he didn’t want to create (Analysis Article). Next, Meursault as a character doesn’t know the distinction between good and bad, right orShow MoreRelatedLiterary Analysis: How Meursault Is Indifferent in the Stranger, by Albert Ca mus874 Words   |  4 PagesLiterary analysis: How Meursault is indifferent in The Stranger, by Albert Camus Although Meursault is the title character and narrator of Albert Camus’ short novel The Stranger, he is also a somewhat flat character. His apparent indifferent demeanor may be a convenience to Camus, who mainly wanted to display his ideas of absurdism. And as a flat character, Meursault is not fully delineated: he lacks deep thought and significant change. His purpose is that of a first-person narrator whose actionsRead MoreHuman Relations in Camus Novel, The Outsider, from an Existentialist View2123 Words   |  9 Pagesmovements across time. The human relations with God, love, society, death etc†¦ are relations that human make to live his life. I study in this paper the human relations in The Outsider novel by Albert Camus from an existentialist view. I want to study Meursault relations who is the main character in Albert Camus’s novel The Outsider , Meursault is being executed because he kills an arab person, but the main reason is that he does not cry at hi s mother’ funeral and lives his life as there is nothingRead MoreExistentialism vs Essentialism23287 Words   |  94 Pagesworld is indifferent towards humanity. The definition of existentialism is often hard to pin down, as there are conflicting views within existentialist thought, variations upon the ideas, and a number of so-called existentialists who rejected the title. Perhaps the central feature of existentialism that can be seen in these points is the  focus on the individual. Existentialists reject the idea that there is a fundamentally true human nature. Instead, they point out that those who seek to understand

Magnificence Writing and Vicente - 1141 Words

I. Title: MAGNIFICENCE II. Author: Estrella D. Alfon Biography Estrella Alfon was born in San Nicolas, Cebu City on March 27, 1917. She went to medical school to finish her medicinal studies but when she was misdiagnosed for having tuberculosis, she had to withdraw from her studies. She finished her education with a degree in Associate of Arts instead. She became the first and only female member of the Veronicans, a group of writers in the 1930s, prior to the Second World War, led by Francisco Arceuana and H.R. Ocampo. They were recognized as the first group of Filipino writers who wrote almost exclusively in English. She was named the most prolific Filipina writer prior to World War II. Estrella Alfon’s first story was†¦show more content†¦The family absolutely trust him for they think that this man was always so gentle, so kind, and there was nothing to fear with when he is around. When Vicente came earlier usual in that evening. The children immediately put the lesson down, telling him of the envy of their schoolmates and would buy them more pencils. The Vicente asked Oscar, the young brother to get him some glass of water. Vicente held the little girl by the arm the let the girl take her full trust and when he took the little girl up lightly in his arms and holding her under armpits the held her to sit down on his lap. Then the girl keeps squirming and for somehow she felt uncomfortable to be held looked around at Vicente interrupting her careful writing to twist around. Then Vicente’s face was wet and sweat and his look eyes looked strange. When the mother bathed the little girl and she throws the clothes at the garbage bin and on the next day burned it with the pencil on it. VI. Theme: Empowerment of a Woman – this is how a mother turn to a woman to fight for a mother’s right in term of abuses. VII. Point of View: The innocence of the daughter, the child who is always referred to as little girl throughout the story. She cannot know, is oblivious to, what Vicente desires of her but at the same time she is aware on an instinctive level that something is amiss. The author shows that Vicente further derivesShow MoreRelatedLife and Works of Estrella Alfon7175 Words   |  29 Pagespoor health, she could manage only an A. A. degree from the  University of the Philippines. She then became a member of the U. P. writers club and earned and was given the privileged post of National Fellowship in Fiction post at the U. P. Creative Writing Center. She died in the year 1983 at the age of 66. She was born in  Cebu City  in 1917. Unlike other writers of her time, she did not come from the intelligentsia. Her parents were shopkeepers in Cebu.[1]  She attended college, and studied medicineRead MoreMagnificence by Estrella Alfon5402 Words   |  22 PagesMAGNIFICENCE by Estrella Alfon There was nothing to fear, for the man was always so gentle, so kind. At night when the little girl and her brother were bathed in the light of the big shaded bulb that hung over the big study table in the downstairs hall, the man would knock gently on the door, and come in. He would stand for a while just beyond the pool of light, his feet in the circle of illumination, the rest of him in shadow. The little girl and her brother would look up at him where they sat at

What it takes to be a writer free essay sample

â€Å"A writer,† according to an anonymous personage â€Å"is the greatest creation of God. To preserve the sanctity of his title, he must try his best to work for the greater good; by striving, aspiring and inspiring.† The depth of this statement sinks into me whenever I read it. A writer is a marvelous creation of God; the perfect paradigm of God’s unique and sentient attributes. He lives in the hearts of millions of people, ruling them, controlling the flow of emotions. He has the power of words; the power which entitles him to make anyone laugh joyfully or cry lugubriously. Writing, therefore, is no easy task as many take it to be. The most difficult assignment that can be assigned to a particular person is to write. For a writer must dream as no one does; he must think like no one has ever done before. From figments of the imagination to heart-rending screams of a lover as he is dragged to his doom; from radiations killing innumerable people to the plethora of hard work that extracts a heavy toll from a factory-worker; a writer has everything in the drawers of his mind; he will rummage through them and bring out what appears to be the most chivalric and the most abominable conclusion. We will write a custom essay sample on What it takes to be a writer or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page He cannot and he must not tarry, even for a split fraction of a second; his dilatoriness may have an outcome whose drastic force is difficult to control. He may make or mar the beauty of a nation. A poet says: â€Å"Yesterday a philosopher declared aloud Your nation has vowed to be destroyed Asking him how could this be possible Said he, you have poets in profusion† It is very important to define the spirit of writing. Writing merely for the sake of wealth and fame is not only rash and unscrupulous, but also destroys the quintessence of this â€Å"holy† profession. A writer is a builder of the nation. If he resorts to illicit means then the nation is destroyed. He must burn the midnight oil, he must work heart and soul to create something that is constructive and provocative. Writing extracts a heavy toll from the writer, leaving him weakened and hollowed, but compared to the extra benefits a nation may achieve, it is worth the effort. A writer can instill a new spiri t in the people simply by crafting a book from words which individually carry no value. He provides the impetus to the nation to progress and prosper by leaps and bounds. An amateur writer is always better than a professional one, for while he serves to rejuvenate the societal values by infusing a new spirit of hope, the latter seeks to destroy it for selfish purposes. George Washington once said: â€Å"Keep flax from fire and youth from gambling.† As an afterthought, we might add that we must also save our writers from moral corruption. The lust for wealth is insatiable and often drives man to desperation. We need to save our writers from being desperados who seek to destroy the nation. Professionalism is of two types. One is the type that seeks to induce refinement in writing by learning, practicing and experiencing. The other strives to create something that brings in a lot of wealth and fame. Although class A also gains fame and wealth, yet they do this by moral and soci al construction of the society, unlike class B who is intent on blowing it to smithereens. A writer possesses a partial dominance over others; he has the absolute trait of being able to create. This makes him the most helpful and the most dangerous person of the society. He can be the creator of the protagonist who, like the phoenix, contributes in raising a nation from ashes to the heights of glory. Or he can be the villain who, using means clandestine and apparent, destroys the framework which is the base of a nation. Today we have a tremendous obligation to fulfill. We, the writers are the saviors. We are the ones who must save this society teetering on the verge of collapse. Together, we can make a difference. Every constructive thought that we transfer onto paper, amalgamated, will swell to form the tsunami that washes away the century-old grime and dust from our society’s frame of mind. We have been rolling like self-conceited prigs in the mire of oblivion. Now let us rise and shine, the illuminating rays of the glorious sun reflecting the clarity of our perception. We can transform this society in a place where all, rich and poor, bourgeoisie and proletariats will be able to sing, the music of their voices synchronized to form the symphony of humanity: â€Å"Worship the rising sun O ye! All thee! Not in interests vested But for the greater good.†