9 Areas You Can Save Money For Your Family - Free Essay Example

Sample details Pages: 3 Words: 820 Downloads: 7 Date added: 2019/02/15 Category Society Essay Level High school Tags: Family Essay Did you like this example? More and more families today are spending money every year, and yes while the standards of living have increased, people are not choosing to save money. One reason that families are not putting in the effort to review expenses. The reality is, every family has the ability to cut costs and save money. By freeing up more funds, they can allocate it towards repaying debt. Though buying food to eat is a necessity, this is one area where families could be more thrifty. Families spend on average about $2,500 on dining out, according to U.S. statistics. If you find yourself, your spouse, and your children eating out 5 days a week, considering reducing it to 3 or 4 days a week; just prepare and brown-bag meals from home, and eat it for lunch. You can save up to $400 to $800 a year by doing this. That extra money saved could help finance a nice vacation instead. Don’t waste time! Our writers will create an original "9 Areas You Can Save Money For Your Family" essay for you Create order Another significant expense is your home, that is if you own one (a house, condo, etc). Have you considered refinancing? Have you done any research and perhaps find a lower interest rate? You might be able to renegotiate to a shorter time frame. If you are unable to change your mortgage payment, then paying a little bit extra each month will pare down your mortgage faster. Also, dont forget about your utilities. There are ways to save money here as well. Somethings you can do is update your insulation and weather stripping, or use a programmable thermostat to take save on electricity or heating. Why would you need extra heat when theres no one home or when the family is asleep. Transportation is another significant expense for many families. Not only are vehicles (cars, SUV, trucks) expensive to purchase but its just as costly to maintain and operate them, particularly with rising gasoline prices. If you live in a city, would it still be effective, as well as being cheaper, to save money by riding a bike, taking the bus or train? Instead of buying 2 cars, would it still be possible to buy 1 and carpool altogether? To save money, you can also combine errands and trips to reduce travel expenses. You can also save money when buying gasoline. Just take advantage of special programs and discounts, if they are available. If you live in a house with a garage, you might be able to save some money by making simple repairs by yourself, rather than paying so much money for a mechanic just to do little things. Do you know where you bank at could make a difference too? If you have a bank account with a bank that charges too many fees, you can shop around and find a bank that offers no or reduced fee to open a checking account. If youre not taking advantage of electronic bill payments, then youre wasting money every month of postage stamps, just to send out a check. You can also reduce credit card expenses. Its highly recommended to get or transfer to a credit card with a low-interest rate and either low or no annual fee. Shop around until you find the best deal for a credit card. Health care is one place where you cannot cut expenses, but you can still save money by taking advantage of special offers and programs. For example, many employers offer a flexible spending account where you can save a little money for out-of-your-pocket medical expenses for buying nonprescription generic drugs. Reviewing insurance policies and offers can also help you save some money. When did you last compare insurance rates for your home, your vehicles, and yourself? Some other ways to reduce costs is to increase your deductible level or using the same insurance company for multiple coverages (such as your home and vehicles). When you are shopping around for insurance, make sure to talk things out with your current insurance company. Sometimes they might be able to offer a better rate just to keep you as their customer. Another overlooked expense for many families is phone services, cell phones, cable, satellite television, and Internet access. These areas need to be reviewed. Many of the services have skyrocketed in costs in the last 10 years. Its not unheard for cell phone bills to reach $100 per month. There are cheaper pre-paid phones to buy if you dont use your cell phone that often every month. When youre trying to save money, it is important to become an active shopper. The Internet today makes it easy to compare prices and obtain product reviews. This could save you traveling expenses for driving from one store to another. Anything else you shop for, there might be a better deal somewhere online. You should really take the time to review your family expenses and try cut costs whenever possible. Just by making a few adjustments in your familys spending habits could make a lot of difference down the road.

Jackie Robinson and his life - Free Essay Example

Sample details Pages: 1 Words: 371 Downloads: 2 Date added: 2019/08/02 Category People Essay Level High school Tags: Jackie Robinson Essay Did you like this example? Born January 31, 1919 in Costco, GA, Jackie Roosevelt Robinson became the first African American to ever play in Major League Baseball. Jackie Robinson was one of the most significant major league baseball player throughout history (along with Babe Ruth). Jackie broke the colour barrier and played his first MLB game on April 15, 1947, with the Brooklyn Dodgers. Don’t waste time! Our writers will create an original "Jackie Robinson and his life" essay for you Create order Jackie had an batting average of .311 which is impressive in the baseball world. Jackie married a young nurse-in-training on February 10, 1947. Jackie and his wife began facing an increasing amount of racist insults to death threats during his Majors career. The couple joined the Civil Rights Movement and became a lot more active in it later. Jackie was raised by a single mother and they didnt have a lot of money. He went to Muir High school and Pasadena junior college, and was an amazing athlete there and was in many sports including basketball, track, football, and baseball. After, we went to the University of California and received four varsity letters for four sports. Unfortunately he was forced to leave because of financial issues. World war II started, intervening with his career. Jackie joined the army and served as second lieutenant for two years, although he never experienced war. He was later discharged from the army for refusing to give up his seat on a segregated bus not unlike Rosa Parks. Jackie then started playing in the Negro Leagues, but the Brooklyn Dodgers chose him to join them. Jackie suffered many racial insults and threats while on the farm team(kind of a branch of the Dodgers). He was later promoted and played his first game for the Dodgers on April 15, 1947, and made history as the first black Major league player in America. Many hated the idea of Jackie playing and jeered him and yelled insults, and opposing teams threatened not to play against them along with some of his own teammates. The Dodgers manager defended Jackie and told them he would rather trade them than Jackie. Jacke later proved everyone wrong by showing his playing skills and helped the dodgers win the National League pennant. He was then chosen as the Rookie of the year. A while later he won the MVP award during the 1949 season.

Media Policy and Regulation - 1931 Words

------------------------------------------------- ------------------------------------------------- DECLARATION ------------------------------------------------- ------------------------------------------------- Name: Whitney Anne O’Connor ------------------------------------------------- ------------------------------------------------- Student Number: 44130082 ------------------------------------------------- ------------------------------------------------- Module code: COM3702 ------------------------------------------------- ------------------------------------------------- Assignment Number: 01 ------------------------------------------------- ------------------------------------------------- Unique†¦show more content†¦The consumers or audience have needs and wants. The influence these needs and wants have on media content is huge as these needs need to be met otherwise media will lose its customer base in a sense. 2. MEDIA MANAGEMENT AND MARKETS The life cycle of a product can be broken up into several stages; De Jong identified four main stages in his dynamic market theory (1989). The cycle and the stages making it up are generally seen as an indication of the profits generated by the product within a certain period of time. The stages De Jong identified are the introductory phase (when the product is first introduced to the market), the rapid growth/expansion phase, (when the product starts to break into the market), the maturity phase where sales increase rapidly and then begin to stabilise at some point, and lastly the stagnation phase which is characterised by a drop in sales. The iPad has a dynamic life cycle, in that in one way or another it can be plotted into the four stages. The introductory phase of the iPad is extremely important as it is the stage in which the product is initially promoted to enlighten the public as to what it is the product does and to perhaps allow the company manufacturing the iPad to get a s ense of what the retail price will be. The duration of this phase depends on sale promotion and how long it will take for the product to become known within market circles. The competition at this stage isn’t present because the iPadShow MoreRelatedSummary Of The Cultural Logic Of Media Convergence1469 Words   |  6 PagesJenkins’ article â€Å"The Cultural Logic of Media Convergence†, he discusses areas of tension and necessary negotiations regarding media convergence in the modern world. In a landscape that places an emphasis on digital communication and internet advertisements, media companies are facing a significant shift from previous norms. What used to be a typically paper broadcasting and entertainment world is now almost entirely online. 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Research into the accuracy of polling publication is still contested, but many scholars believe that the media is, whether purposefully or not, spreading false polling information (ibid). Some scholars argue that by incorrectly reporting data, like the margin of error, journalists can present polling data to appear more competitive to fuel the ‘race-like’ feelRead MorePowerful Issues Caused By Media Censorship And The Harm It Does On The Development Of A Globalized Society1493 Words   |  6 PagesIn our modern world, most world leaders tend to argue against media censorship and the suppression of one of our most basic human right, freedom of expression. We live in a globalized society, that shares news and information in matter of seconds, with newspapers, a blog post, a Facebook opinion or with a 140-character block called Tweet. If we have the accessibility to these outlets, which most of us do, we can learn about the result of the presidential election in Peru or we can learn about theRead MoreWhat Risks Can Be Affiliated With Social Media?1720 Words   |  7 PagesWhat risks can be affiliated with social media? Researchers Jennings, Blount and Weatherly (2014) correlate social media to an online pandora’s box†. â€Å"Bountiful riches† have been discovered from the use of social media but like pandora’s box, â€Å"a firestorm of unforeseen consequences† can come to light (Jennings et al, 2014, p. 96). As thousands can access a plethora of valuable information from social media, on the other hand, stalkers can collect a magnitude of personal data and whereabouts ofRead MoreAn Analysis And Critique Of Advocacy Efforts828 Words   |  4 Pagesof advocacy efforts Facebook is Australia’s most popular social media platform, second is YouTube, with Twitter coming in at seventh. (17) Neiger at al (18) state that social media can be used in public health to achieve the following: communicate with consumers, promote a brand, spread information, expand reach of public health efforts to broader and more diverse groups and foster public engagement and partnerships. Social media is being employed to accomplish a mix of these stated uses. HoweverRead MoreComprehensive Legislation Of Social Media Privacy1559 Words   |  7 Pages Comprehensive Legislation to Protect Social Media Privacy Reading and Writing Workshop II, Section 007 Qiu Jin (Rachel) August 11, 2014 Comprehensive Legislation to Protect Social Media Privacy Abstract The article makes a research on both the present situation of social media users’ privacy, and the work of the FTC and other federal departments to protect social media privacy. However, without a comprehensive legislation in the federal level, the fragmentation of such trial cannot

Handiwork free essay sample

Guitar playing is a common hobby in our society. The instrument still remains a combined symbol of artistry, rebellion, livelihood, and skill. Yet for all of its perpetuated fame, few appreciate or even notice the design and craftsmanship that goes into the guitars creation. This is where my dad and I have been fortunate, as we, two guitar playing enthusiasts, have had the pleasure of building an electric guitar. Since we began playing the guitar, there was always a curiosity and fascination tied to the instruments unnatural ability to produce sound. The simplicity of the instrument or what simplicity the guitar boasts on the surfacewas the most intriguing aspect of it. How could a few copper pickups, a couple tone and volume nobs, and an output jack be responsible for not only the notes that we played, but all of the music that has been tied to the instrument in the past 60 years? Our means of investigation was to build one of our own. We will write a custom essay sample on Handiwork or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The process itself was much to complicated to describe in 800 words or less, but throughout all of the woodwork; all of the finishing and sanding; all of the circuitry and soldering, and all of the general mishaps and errors, a goal became clear. With a distinct destination in mind, my dad and I had the willpower to charge through the project with drills blazing. Making something for myself gave me a certain satisfaction that playing never could. Building this instrument was about starting something and ending it with a stratocaster in hand. The art and practice of handiwork is a dying breed. It is an interesting trend to see that as we as a collective move further into complete technologically induced comfort, we as individuals create less technology for ourselves. Why design and construct a house when one can be designed and constructed by others? Why build what cant be bought? In this day and age, there is no reason. In the good ol days, there was no choice. So it may seem fooli sh to move backwards on a road that progresses in conjunction with technological pursuit, but a great deal of craftsmanship, inventive enthusiasm, and general acknowledgement for ones appliances and products could be gained as a result. I took a passion of mine: the guitar, and applied it to the old practice of handiwork. I emerged from my project with not only a deeper appreciation for my passion, but a deeper appreciation for construction and creation as a whole. The good ol days had it right.