Financial Plan For Hire A Financial Planner - 1086 Words

If you’re not ready to hire a financial planner, then fear not – I’m going to explain how you can create a realistic financial plan for the next five years of your life without hiring a professional. Of course, there are benefits to having a financial planner do it for you, but if you cannot afford a planner, then you don’t have to settle for not having one at all. Here are nine steps that walk you through creating your own financial plan. Get organized The first thing you should do to create your financial plan is create a â€Å"financial plan† folder on your computer or a physical binder in real life. Organization will be the key to your success because creating a system will ensure you’ll follow through with your financial plan over time.†¦show more content†¦Create a subfolder or separate document and title it â€Å"financial goals†. Write down your specific financial goals for the next five years. This will be personal to you. For example, for me, I want to be out of student loan debt in five years or less. For you, it may be something completely different. Examples of financial goals include: getting out of debt, saving for a down payment on a house, building a six to eight month emergency fund, saving for retirement, and investing to build wealth. Whatever it is for you, decide what you want for your financial life for the next five years. Create a financial statement for yourself Your financial statement is a snapshot of your finances as they stand today. To create this, list all of your assets and liabilities on a spreadsheet (or piece of paper), add up each category, then subtract the liabilities from the assets. This number is your net worth. Use your financial statement to keep track of your financial progress over time. Every couple of months, update your financial statement (copy and paste the spreadsheet into a new tab – or create a new document if you’re handwriting). Over the course of five years, you can track your finances and see how far you’ve come. Be sure to date every financial statement that you create so you have a good indicator of how you’re progressing over time. Create a budget Your budget is your snapshot of your income and spending.

Analysis Of Sweatshops - 769 Words

Sweatshops. The image the word provokes isn’t a pleasant one. A factory where people work long hours for only a small amount of money isn’t something we like to think about. The article published by The New York Times in 2009 entitled â€Å"Where Sweatshops Are a Dream† however, proposes a different view of these grueling working conditions. The article seeks to transform the view of most Americans from disgust to support for so called sweatshops. When the article was first published in 2009, the Obama administration was considering labor standards, something the author Nicholas Kristof believes is detrimental to undeveloped countries. As he argues, â€Å"Sweatshops are only a symptom of poverty†¦ and banning them closes off one route out of†¦show more content†¦These standards prevent sweatshops from opening in places like Africa, where labor is cheap, and instead companies move to more developed countries where capital is cheaper in order t o cut down on costs. He believes the solution to better standards of living in poor countries is â€Å"to promote manufacturing there. One of the best things America could do for Africa would be to†¦ encourage African imports† (Kristof). Kristof’s article makes many valid points and claims, but many of his points are unsubstantiated. His evidence is entirely personal examples with a bit of logic sprinkled in. He doesn’t use any statistics or figures to back up his claims. As a result, his article and the examples he uses only apply to undeveloped countries and don’t get at the heart of the issue. He addresses many concerns people have about sweatshops and working conditions, but he only briefly glosses over the effects of labor standards and why they are so detrimental. The topic Kristof seems to dance around without actually touching on is the importance of letting the free market work without restricting the market with labor standards. The heart of the issue is that labor standards in any country hurt people, not just labor standards in undeveloped countries. In the article from the Mises Institute entitled â€Å"Even the Feds Admit Minimum Wages Cause Unemployment† Nicholas Freiling says â€Å"minimum wage doesn’t help the lowerShow MoreRelatedCritical Analysis of The Electronic Sweatshop by Barbara Garson2545 Words   |  11 PagesCritical Analysis of The Electronic Sweatshop by Barbara Garson *No Works Cited Summary In her introduction, Barbara Garson gives the reader an idea of her personal work experience as a clerk with automation. One can see that Garson is a strong critique of automation. In order to convey how automation is affecting our society the author begins by analyzing and studying various jobs from the bottom on up (i.e. starting with the most unskilled labor). Chapter one examines the various occupationsRead MoreSweatshops And The Related Ethical Issues About It Essay1749 Words   |  7 Pagesassignment is going to mainly discuss the existing of sweatshops and the related ethical issues about it. Ethical theory will be applied in the study about the topic and personal reflection is also going to displayed in the assignment. An understanding of it may be not interesting but can be helpful to do research or run firms or organizations related in the future. Firstly, the assignment will introduces the background of sweatshops and anti-sweatshop movements as the opposite of it. Then, the ethicalRead MoreSweatshops Essay1364 Words   |  6 Pagesquestionable morality of sweatshops has become a highly contested ethical issue. Some argue that sweatshops offer more opportunities for poor workers, and are thus good. Others view inhumane working conditions and exploitation in these factories as prohibitive of good moral practice. In this paper, I will show that sweatshops cannot be immoral using the theory of prices in competitive markets and workers’ decisions to work in sweatshops. By the end of the paper, I will conclude that sweatshops are moral institutionsRead MoreWhere Sweatshops Are a Dream917 Words   |  4 PagesRhetorical Analysis â€Å"Where Sweatshops Are A Dream† In his New York Times opinion column, â€Å"Where Sweatshops Are a Dream†, writer Nicholas D. Kristof uses his experience living in East Asia to argue his positive outlook on sweatshops. Kristof wants to persuade his audience, Obama and his team, along with others who are for â€Å"labor standards†, that the best way to help people in poor countries is to promote manufacturing there, not campaign against them. He uses Phnom Penh as an example to show whyRead MoreSweatshop1017 Words   |  5 PagesSweatshop is Conflicts With the Moral Standards PMP 400 Quan Zhang ( Lyla) Royal Roads University Elvira Perrella March 9, 2015 Sweatshop is Conflicts With the Moral Standards Green, B., Norton, S. (2011). Reading. In. W, Anne M. Laura ( Eds.), Essay essentials with readings (pp. 336- 341). Toronto, ON: Nelson Education Ltd. In the article, before the research, like many people, the author’s attitude was old, but after the research, the author’s attitude changedRead MoreReconstructing Zwolinksi s Argument About Sweatshop Labor Essay1710 Words   |  7 Pagesargument about sweatshop labor Zwolinksi thought that regarding of the autonomy the workers of sweatshop are inclined to the seemingly unfair conditions of MNEs was not that bad if we could find that at least this was a kind of autonomous self-expression. The workers choices are also good to return stroke to the third parties such as governments or consumer boycott groups. The workers have a moral right to call for MNEs to voluntarily improve working conditions. Well, the sweatshop workers have noRead MoreSweatshops Case Study1419 Words   |  6 Pagesitself for years involved in a massive scandal due to their use of sweatshops. The harsh backlash towards the immorality of using sweatshops has lead to Nike’s image being tainted; nevertheless, consumers continue to fill up retail Nike stores. With this in mind, I will explain as to why consumers continue to purchase Nike products, and to accomplish the task at hand; I shall firstly, provide a brief context into Nike’s use of sweatshops, secondly def ine exploitation and the ways corporations can exploitRead MoreSweatshops : Sweatshops And Sweatshops1152 Words   |  5 PagesManufacturing factories with low wage, long working hours and poor conditions that violate human rights are called sweatshops. Since sweatshops violate human rights, they are unethical. Knowing this fact, should companies stop laboring in developing countries? The answer is no. In short, sweatshops are necessity parts of supply chain that fulfill demands and job supplies. Nonetheless, because sweatshops play vital role on offering jobs and inexpensive fashion products, those companies should take responsibilitiesRead MoreChapter 2: Literature Review. 2.1 Introduction. This Chapter1447 Words   |  6 Pagesconcerning sweatshop labour practices in apparel and footwear industry in developing countries and its impact. Also, the steps taken by apparel and footwear company is discussed in general. Emphasis is also laid on brand equity of a company. Further Nike is taken as an example showing the allegations faced by the company as it is the company majorly highlighted for its sweatshop allegations. The approach taken by Nike to overcome its allegations is discussed in the section ‘findings and analysis’. 2.2Read MoreNike Sweatshops Case Study1402 Words   |  6 Pagesfound itself in various scandals due to their use of sweatshops. The harsh backlash towards the immorality of using sweatshops has led to Nike’s image being tainted; nevertheless, consumers continue to shop in Nike stores. With this in mind, I will explain why consumers continue to purchase Nike products. To accomplish the task at hand; I shall, define exploitation and demonstrate why corporations exploit workers, provide context into Nike sweatshops, and explain why some continue to support Nike. In

Laboratory Report Free Essays

DISCUSSION Microorganism are organism that are too small and cannot be seen with naked eyes. The phrase of ubiquity of microorganism refers to the concept that microorganism are everywhere in our daily life surrounding. In our everyday common life ,microbes are virtually ubiquitous. We will write a custom essay sample on Laboratory Report or any similar topic only for you Order Now They are in the air we breath,the foods we eat and as well as the skin of our fingers. Aseptic transfer is the transference of bacteria or other microbial cultures fromone container to another while maintaining purity of the culture. Pure cultures–consistof only one type of bacteria ideally the descendants from a single bacterial cell. Because microbes are present everywhere – in the air, the work area, clothes, bodies,etc. , – it is important to follow the rules for aseptic transfer at all times. This is the onlyway of controlling Contamination–Maintaining purity of culture is essential in microbiology if the biologist is to beable to identify bacteria, test for antibiotic sensitivity, or maintain stock cultures. Oftenin nature a pure culture is impossible to come by because species live together. Thescientist is left working with mixed cultures. Pure cultures can be derived from mixedcultures through isolation of cultures and this also requires that sterile (aseptic)techniques to be used. Normally transference is done from colonies. A colony consists of usuallyseveral million cells that are assumed to be the descendants from one cell. Inoculations from one media to another, therefore, is usually done by removal of a fewmillion cells from one colony into a new environment. This must be done with theintegrity of all colonies remaining intact. Through the use of sterile techniques, this canbe accomplished successfully. There are a number of tools that are used for inoculation procedures. Inoculating loops are used when transferring members of a broth culture to another broth, platedmedia or an agar slant. Inoculating needles-are used when inoculating a broth culturefrom a colony on plated media or when making a stab in an agar deep or agar slantfrom broth or solid media. Forceps -are used to place sterile disks containing sometesting agent in a broth culture or on a solid media culture. Pipets-are used when transferring liquids into other liquids or onto solid media. Flaming-is used to incinerate any microbes left on loops and needles. Alcohol flaming-is used to sterilize forceps. When flaming inoculating loops and needles, careshould be taken avoid burning the plastic handle at the end of each. The metal of theloop or needle should glow red hot and then be allowed to cool before dipping it into any cultures – if the metal is too hot it will kill the organisms that are to be used for inoculation. Alcohol flaming for the forceps is done by dipping the forceps into a smallamount of alcohol and then burning the alcohol off. The forceps should be dipped andburned three times. Care should be taken to avoid alcohol running up toward the hand. The flame will follow the alcohol and burns will result. Pipets normally used in lab are prepackaged, sterile, disposable pipets. Sometimes glass pipets are used and these are stored in cans. The glass pipets arediscarded into a pipet jar filled with disinfectant. Disposable pipets are deposited inbiohazard bags. It is important that pipettors are always used and pipetting by mouth isprohibited. How to cite Laboratory Report, Essay examples