Finagle a Bagel Marketing Mix Essays

Finagle a Bagel Marketing Mix Essays Finagle a Bagel Marketing Mix Essay Finagle a Bagel Marketing Mix Essay Suburban stores are totally different. You really have to have an owner/ operator mentality. You have to be mature and you have to be able to run the business like its your own business. What we always try and convey or sell to people who might join our company is, If you want to be a franchisee but dont have the capital, if you want to own your own business, were goanna put you in business. You dont have to give us any money to do that. And if you can get over a certain level of sales or profits, well start splitting the bottom line with you in some sort of bonus program. My name is Nick Cochran, Im a general manager and I work in Waylaid location, which is in Waylaid, Massachusetts. Im 23, and ah which is pretty young. I started off when I was even younger actually, 15 and a half. Started off working for Burgesss Bagels, making bagels and I started out there as a sandwich person and moved up to cashier and kept learning, wanted to be a baker, wanted to be a manager, Ana I name up Walt a isnt-supervisor position. I think being younger, as a manager, in Finagle a Bagel truly helps me because it gives me the stamina and power to work long days. The title is Store manager/ : Partner of your specific location. And the only difficult thing sometimes is trying to empower people who are much older than me. We have a we call it an Incentive Compensation Bonus Plan, ICC Plan. The base-salary for general managers generally starts off in a company with $35,000. And as you go through time you would get certain raises, and we actually have a salary cap in the company where no general manager can make over $42,000 in a particular year for a base-salary. What will however change as you time accrues with the company is your percentage in that Incentive Compensation Plan. Thank you very much. Its goanna be number 72 at the end, okay? (male #5) I strive more for my managers to bonus than for me to bonus. Its important that they bonus because it shows individual Goals and individual stores doing well. Lets say your monthly salary was $4,000, you could get 30% of that which would be $1200 in a bonus if you were to meet your expectations. As time grows on with the company, your bonus could be at 80% of your $4,000. (Tony Premier) I fight for my managers to bonus, because if they bonus it Just means that, you know, theyre goanna look at that check and theyre goanna say, Damn, I did well this month. And whatever I did this month, I have to repeat next month and I Just have to do a little bit better and Ill get a bigger check. And so, you know, I feed off of them, you know? I mean I feed off their happiness. I feed off of their Job well done. When I do bonus, you know, its a win-win. I mean its a win-win for everybody, its a win-win for Finagle, its a win-win for me, its a win-win for my stores because in the end were all trying to accomplish something which is to grow this company and we all want to grow as individuals as well. Cochran) I think its a good way, in essence, because youre not paying the people ho sit around and do nothing. But rather, youre paying the people that who have A. ) been with the company for a while, and B. ) go out and work hard to get in that them extra customers and take time to make sure that the actual profits are coming through in order so they get a share of the business. (Trust) Nick Cochran is a manager, came to us as an assistant manager, he p icked up on the passion and the direction of the company very quickly. And he is one of our most successful managers and his ability to understand the level of customer service thats required in a community like Waylaid, or any suburban community or affluent immunity is phenomenal. And he has done wonders for our business there. He is adored by the town. He gets invited out to dinner by the customers. (Paulo Premier) Im from Portugal, a little country in Northern Europe. I came to the unlace states In / came In as a young 10 1 1, trying to 00 Engels as second language, an intensive course of English for six months. I liked it and Ive been here since. Trust) Paulo is a businessman. He really understands how to run a business and his greatest talent is taking a store that is struggling for whatever reason, and turning it around, making it very, very efficient. His sandwich makers know what to do. His cashiers know how to handle people. People know where to be. He could walk into a store and in three months he can take a store that isnt making the kind of money it should make, or moving the people that it should be moving through and he can turn it around by Just getting people to tow the line, if you will. Tony Premier) Its all about motivation, its all about how you treat people. This is a people-business and you know our people and the people we serve every day. Were not goanna abandon people because they run into issues, either personal or professional. I mean, we like to give people second chances and we like to work with people. You know, we want people to feel like theyre welcome here and want to work for us. We dont want to force anybody to stay here, we want them to stay on their own. But we want to make an open-door policy and we want to have people be successful. Cause their success is again, is our success. You know, the better they do, the better we do. I think luckily and maybe with a little experience, Ive always been able to have a good eye to be enabled to hire good people. I sit down with someone, I talk to them for maybe 20 minutes-half hour, Where have you worked before? How long you worked there? How do you feel about working with people? You know, What kind of experience do you have? And that sort of thing. My philosophy is, you know, youre pretty much goanna tell me how much youre worth. You work for me for a few days, and if you like the Job and if I like your work, then well go from there. But pretty much every person makes his own salary, you know, you tell me how much youre goanna be worth over a period of maybe five, six days. Pretty much thats all the time that I need to see if a person is goanna be worth the trouble or not. And so we go from there. My name is Washington Ramose, Ive been working for the company for four years. My job really is I hire, I fire. Take care of ordering and my direct boss is Tony. Hes mostly here to help out on the things that we need, like say, if Im short people and I cant find anybody I can call him, hell try to get people from other stores. Or if I messed up on an order of food or whatever I need and I cant get out to get it, I can give him a call, hell get it for me. You know, once in a while he can give us a raise. Every one of these stores we have a sign, a Help Wanted sign. So people come in and we always get them to fill out an application so we always have applications. Because in this business, you know, its in-and-out, a lot of times, you know, especially ten rotenone. Especially ten part-timers. Nine Tulle-tellers are usually teen to nag to them, they stay longer. We actually have a very good training program within the company. Like if I hire somebody, I dont actually train them here. We have a couple trainers that will train them for a while, will teach them the whole routine, go through our book, what the company wants and what the company likes as far as the way the uniform looks and the way they treat the customers, and, you know, our rules. For every single full-time new hire they have a grace period, they have to wait six months in order to have health or dental benefits. Finagle a Bagel offers a tuition reimbursement for managers or other employees but they have to submit the course description to our HRS department, Heather Robertson, our director, she will look at and determine if that course is something that will benefit Finagle a Bagel. (female #4) In the last few months weve placed a few ads for people to Join the marketing apartment here and one of the requirements that we post in the ad itself is you must love bagels. And thats really how I weed out the resumes. If they say anything about bagels, I put it in the To be considered pile. If they do not mention a love of bagels, then it goes in the other pile. (Trust) We have a very diverse culture here. Boston has a lot of ethnic groups. We have people from Cape Verve, from Brazil, from Dominican Republic, from El Salvador, Chile, all the Latin nations. We have Americans, we have Europeans, men and women at all levels of the organization. The executive group is made up of an equal number of men and women which were very proud of. H, my names Implied Rosa. I work in Finagle a Bagel for six years and I work in a cashier, and Im from Dominican Republic. I feel so happy for working here with everybody, my friends, the customers, Im so happy. (Trust) English is not the first language of many of the people who work in the stores and some customers find it Frustrating to communicate. The ability to speak more than one language, in this company, is important because our workforce, and you know, most of the people that apply for work are either current immigrants or friends f people that Just came in. I mean, they all have a connection and they dont speak English that well and they need an opportunity. In my Job, as well as most of our managers, most of our managers speak both Portuguese and English and Spanish. Its important for us to be able to communicate with them cause that way we can address their needs. We try very hard to encourage our employees to only speak English to the customer. Some people find that to be a little harsh, but every sandwich, every salad is built to order, so theres a lot of communication between the customers and the cashiers, the customers and the sandwich makers, customers and the managers and the expectation is that everybody will communicate in English. We are very proud of those individuals who have come to this country and have worked very hard to get enema Ana weve treble to Nell teen. We nave several employees won we sponsored them to get their green cards. We in turn, get a dedicated employee and somebody who we know that understands the passion and the desire that we have for the company to be successful. And once we get them on board, people dont leave our company, they Just stay. They legalize that it can be a career for them, they may come to us as a college student thinking to earn a little extra money in between classes, maybe to pay a bill or two, but they come on board, they get excited about what theyre doing and they stay. And I think the size of our company has made a big difference in retaining people, its really unusual to have one-on-one interaction on a daily basis with the president of the company or any senior executive member of the company. We have tons of people that have been here-been with us for a long time.

Essential Standardized Test Taking Tips for Parents

Essential Standardized Test Taking Tips for Parents Standardized testing will be a significant part of your childs education typically beginning in 3rd grade.   These tests are crucial not only to you and your child, but also to the teachers, administrators, and school your child attends. The stakes can be extremely high for schools as they are given a grade based on how well students perform on these assessments.   In addition, many states utilize standardized test scores as a component of a teachers overall evaluation. Finally, many states have stakes tied to these assessments for students including grade promotion, graduation requirements, and the ability to receive their drivers license. These test-taking tips can be followed to assist your child to perform well on the test. Discussing the importance of these tests with your child will push them to do their best and following these tips can aid in their performance. Reassure your child that he or she does not have to answer all the questions correctly to pass. It is not expected that students answer every question correctly.   There is always room for error. Knowing that they do not have to be perfect will help eliminate some of the stress that comes with testing.Tell your child to attempt to answer all of the questions and not to leave any blank. There is no penalty for guessing, and students can get partial credit on the open-ended items.   Teach them to eliminate ones that they know are wrong first because it gives them a higher chance of getting the correct answer if they are forced to guess.Remind your child that the test is important.   It sounds simple, but many parents fail to reiterate this. Most children will put forth their best effort when they know   it is important to their parents.Explain to your child the importance of using time wisely. If your child gets stuck on a question, encourage him or her to make the best guess o r place a mark in the test booklet by that item and go back to it after finishing that section of the test. Students must not spend too much time on a single question. Give your best attempt and move on. Ensure that your child gets a decent nights sleep and a good breakfast before taking the test. These are essential to how your child performs. You want them to be at their best. Failing to get a good nights rest or good breakfast can cause them to lose focus quickly.Make the morning of the test a pleasant one. Do not add to your childs stress.   Do not argue with your child or bring up a touchy subject. Instead, try to do extra things that make them laugh, smile, and relax.Get your child to school on time the day of the test.   Give yourself extra time to get to school that morning. Getting them there late will not only throw off their routine, but it could also disrupt testing for other students.  Remind your child to listen carefully to the instructions from the teacher and to read the directions and each question carefully.   Encourage them to read every passage and every question at least two times. Teach them to slow down, trust their instincts, and give their best effor t.Encourage your child to stay focused on the test, even if other students finish early.   It is human nature to want to speed up when others around you are already finished. Teach your child to start strong, stay focused in the middle, and finish just as strong as you started. Many students hijack their scores because they lose focus on the bottom third of the test. Remind your child that it is okay to mark in the test booklet as a help in taking the test   (i.e. underlining key words) but to mark all answers as instructed on the answer sheet.   Teach them to stay within the circle and to erase any stray marks completely.

Motivation Essay Example | Topics and Well Written Essays - 1750 words

Motivation - Essay Example Most of these theories build on the work of Abraham Maslow conducted in the 1940's. His studies into human personality included attempts to understand motivation. He organized a list of five levels of motivation in order of importance from physiological through safety, love, and esteem to the top level of self-actualization. At the physiological level, people are concerned with obtaining their physical needs - food, air, water, and shelter. At the safety level, the concern shifts to protecting and supporting the family. While love can refer to the kind of romantic relationship most people think when they see the work, in Maslow's hierarchy of needs model it refers to the need to be accepted as a member of a group. Esteem and self-actualization may seem like the same thing, but esteem refers to having a sense of self-respect while self-actualization refers to the development of wisdom (Maslow, 1987). â€Å"Maslow’s ultimate conclusion that the highest levels of self-actualizat ion are transcendent in their nature may be one of his most important contributions to the study of human behavior and motivation† (Daniels, cited in Huitt, 2004). In most illustrations of this model, the various stages are represented as individual steps on a pyramid of possibility with physical needs at the base and self-actualization at the peak. The reason for this depiction is due to Maslow's belief that all of the elements in one level must be achieved before the individual can move on to the next level. It is important to have this history, because it forms the base upon which or against which later theorist worked. Working in the late 1950's and 1960's, Frederick Herzberg built his two-factor theory from Maslow's model trying to learn new ways to motivate employees. He discovered that employees were not motivated just by having their low-level needs met and suggested employers who wanted to improve performance should work to also address high-level motivators. â€Å"M otivator or intrinsic factors, such as achievement and recognition, produce job satisfaction. Hygiene or extrinsic factors, such as pay and job security, produce job dissatisfaction† (Herzberg, Mausner & Snyderman, 1959). Although he renamed and grouped the levels into hygiene and motivator macro-levels, the same basic levels from Maslow can be discovered within as physiology and safety needs become hygiene and esteem and self-actualization become motivators. Organizations employing Herzberg's theory understand pay increases, bonuses, and other inducements related to the job intended to satisfy low-level needs will not motivate workers. Instead, just focusing on meeting these needs tends to encourage employees to seek employment elsewhere. Organisations such as Tesco base their operations on this theory, giving employees a chance to participate in decision-making, holding forums to gain employee input, and encouraging strong organisation-wide communication. These are all strat egies designed to meet high-level needs such as belonging, esteem,

Risk managments strategy of applaying open stack system Essay

Risk managments strategy of applaying open stack system - Essay Example t an open source cloud computing solution that is built on precise components such as storage and network components that are integrated with each other to make a complete open source cloud computing solution. Accordingly, the source code is shared with the vendors as well as the development team. Consequently, the usability of Open stack can lead to unpredictable risks. Organization try to mitigate the risks associated with this unpredictable environment may create new risks by exposing the cloud on the Internet instead of utilizing an industry compliant standardized solution. The complex customization and flexibility of opens tack that can be specific to an organization may lead to a conflict with the external open stack infrastructure. Therefore, the internal and external semantics of the cloud infrastructure is hybrid (Mears, J. 2007). Likewise, there is a risk of implementing changes on the open stack without performing impact analysis due to informal change management process. For instance, a patch needs to be deployed on the open stack and testing is required before implementation. The IT department will test the patch and attach the results in the change management form with formal approvals. After the approvals, the patch can be deployed only if the test results are all correct. Similarly, patch management for open stack can also lead to vulnerabilities that can be exploited any time. For mitigation, effective patch management process needs to be in place for testing and applying patched in the production environment. The same change management process can be adopted for patch management. However for tracking end of life and end of service for information technology assets, an asset register is require for keeping track. Ideally, an IT asset coordinator is a key person who performs these tasks (KLEPS 2015). After establishing an asset register, all the assets are now identified and ready for risk assessment. In the first step, the confidentiality,

Railway Station Essay Example for Free

Railway Station Essay The stench of boiling coffee wafted around the deserted railway station, there were flutters of pigeons scuffling around, scrounging all the left over nibbles that had been left on the floor by the commuters from the evening before. It was dawn and as the sun was rising, so was a brisk wind that every now and then swarmed through the dark station whisking away severely crumpled newspapers that on their round, the cleaners had missed with the dust pan and brush earlier that morning. The hustle and bustle of the ordinary public hurled its way into the calm, collected station. Information boards began to rustle and the sounds of trains departed from what was now like another world, the smelly crammed station that had lost all its sense of dignity was now ready and waiting for what the day had in store. When people boarded the train that was due to take them to their destination it was like they had no concept of what was going on around them, completely oblivious to all the other passengers. Newspapers went up in the hot and clustered train compartment and people tucked themselves away in them for the duration of their journey even if they had already read it all, they would do anything to avoid the eye of a fellow commuter. The old escalators whined as they continually roamed up, and then back down again, as they carry frustrated, dizzy passengers who are always having to hurry around, never having anytime to stop on there busy, rushed route to work. Along one of the hard, cold walls a man sat there still, with his dog as a companion, eagerly anticipating the kind passer by, who frequently would be able to spare a moment of their time to drop in a few valuable Pennines. A warm, soft smell filled the right hand side of the station. The shoe polish from the repair stand that made everyone tilt there heads towards as the brushed by. Every now and then a well groomed business man popped in and had his shoes polished, before returning to his recurring hassle of his job. Throughout the chilled station a repeated yell took place every so often, coming from the four newspaper stalls, which echoed all around the station, Standard, come and get ya standard. The friendly face that occurred in the same place, at the same time, every day of the working year. Desperate to sell the days loads of papers to the commuters passing through the station. The stench of boiling coffee wafted around the deserted railway station, there were flutters of pigeons scuffling around, scrounging all the left over nibbles that had been left on the floor by the commuters from the evening before. It was dawn and as the sun was rising, so was a brisk wind that every now and then swarmed through the dark station whisking away severely crumpled newspapers that on their round, the cleaners had missed with the dust pan and brush earlier that morning.

Suffering and Salvation in Dostoevskys The Brothers Karamazov Essays

Suffering and Salvation in Dostoevsky's The Brothers Karamazov  Ã‚   Condemned to be shot by a firing squad for radical ideas, the author of The Brothers Karamazov once found himself seconds away from death, only to be granted a reprieve moments before the firing. Although only a method intended to teach him a lesson, the trick had quite a harrowing effect on Dostoevsky. After his close encounter with death, Dostoevsky underwent a total change, and so all of his new notions became a part of "The Brothers Karamazov", which he wrote at the end of his life. For example, once he reexamined his values he began to reject the blindly accepted Russian beliefs. Spiritually, he altered so much that he emerged with the prophetic belief that the world's salvation relied upon the people of Russia. He believed Russia would dominate the world and thus felt that her children needed to be harbored with this theory. Also, he began to develop theories about the role of suffering as man's sole means of salvation. All of these beliefs, through either characters or events, are reflected in this 19th century classic. Even before this firing squad incident, when his father was slaughtered by serfs, Dostoevsky was haunted by and obsessed with the idea of death, which became the subject of all his novels, including his masterpiece, "The Brothers Karamazov". From the first page of the novel, Fyodor is presented as a vulgar beast, which dissolves any sympathy for him when he is murdered. Although the father of Dmitri, Ivan, and Alyosha, he is a true father to neither of them; in fact, the only person to whom he is any sort of parental figure is his bastard son Smerdyakov. Dmitri, the fierce sensualist, is an impulsive man who quarrels with Fyodor reg... ...inty, and so the strength of his beliefs is doubled, perhaps even tripled. Like the personalities of "The Brothers Karamazov", the characters of any well-written piece become extremely significant to the reader. In that case, it becomes vital for the reader to know the fates of these characters, who are known almost intimately, and their destinies[1] are highly anticipated. In "The Brothers Karamazov", the reader wants to know, for example, if Ivan will ever answer his questions, how Alyosha will lead his life, and if Dmitri will be convicted for a crime he didn't commit. By having these fates determined through cognitive events, these occurrences become some of the most memorable of Dostoevsky's novel, which itself becomes psychoanalogical. Thus, "The Brothers Karamazov" has become one of the greatest novels ever written and a true psychological masterpiece.

A comedy then is a problem-solving story, ending in resolution and order and normally symbolised by marriage?

‘A comedy then is a problem-solving story, ending in resolution and order and normally symbolised by marriage. ‘ How far would you agree with this statement when looking at Act 5 in ‘Twelfth Night'? Shakespeare's comedy ‘Twelfth Night' is mainly comedic due to the dramatic irony which is consistent throughout the play due to Viola, Sebastian's twin, pretending to be a man named Cesario. This is evident in Act 1 Scene 4 when Orsino is praising Cesario for how much of a woman ‘he' looks.‘Diana's lip/Is not more smooth and rubious' would be highly entertaining to the Shakespearean audience as they would be completely aware that Cesario was in fact a girl, and therefore would obviously have a smooth lip. This would be even more dramatic to the Shakespearean audience due to the fact that at that time only men were permitted to act. This was one of the problems created within the play as Viola constantly had to hide her true identity.This therefore suppo rts the idea that ‘a comedy then is a problem-solving story, ending in resolution and order' particularly when looking at Act 5 as this is when the rest of the characters find out Viola's true identity when she says ‘that I am Viola' and that she ‘hath been between this lady and this lord'. It also supports that the resolution is often ‘symbolised by marriage' as Viola goes on to marry Orsino. The marriage of Orsino and Viola also resolved another issue within the play- Orsino's unrequited love for Olivia.We were first made clear of this love in Act 1 Scene 2 when the captain explained that ‘he did seek the love of fair Olivia'. As well as this, in Act 2 Scene 4 we hear from Orsino himself that his love for Olivia is ‘more noble than the world' portraying the idea that his love is true, and not just due to her status or wealth, however Olivia claims ‘I think not of him' due to the fact that she is in love with Cesario. Despite this love that Orsino has for Olivia, he quickly directs that love to Viola in Act 5 when he asks Viola ‘give me thy hand ‘.Throughout the play it is often made clear that Olivia is in love with Orsino, for instance when he asks her to declare his love for Olivia, Viola replies ‘whoe'er I woo, myself would be his wife' but due to her masked identity is unable to confess resulting in their marriage resolving her unconfessed love for Orsino as well as his unrequited love towards Olivia. Furthermore, the separation of the twins is a major issue that needed to be solved in ‘Twelfth Night' being the root also of Viola's hidden identity.During the entire play the audience are aware that Sebastian is alive and therefore great suspense is created as to when Viola is going to find out, which again, is Act 5. Viola claims that her ‘father had a mole upon his brow', Sebastian's response of ‘and so had mine' made clear to both of the twins that they were in fact related, a s proven by this intimate fact. This certainly was a problem resolved, however in disagreement to the given statement indicating that resolutions to problems were ‘normally symbolised by marriage' the uniting of the twins was not symbolised by marriage in Act 5.When discussing the topic of unrequited love within ‘Twelfth Night' it is also necessary to mention the love that Olivia has for Cesario, Malvolio for Olivia as well as the hinted homosxual admiration that Antonio has for Sebastian. Out of these three, only one of these cases are resolved, that being Olivia's love. ‘Even so quickly may one catch the plague? ‘, this quotation from Act 1 Scene 5 portrays how quickly Olivia fell in love with Cesario.The use of ‘plague' being a quickly spread disease reinforces this idea of speed and unwillingness the love for him was due to his lower status. Due to Cesario actually being Viola, they could never be together as homosexuality wasn't accepted in that er a. However, Olivia's marriage to Sebastian provides her with the resolved, happy ending symbolised by marriage. In addition to the issues that have already been discussed, Sir Toby is a heavy burden to Olivia throughout the play and it is clear he is using her for her money and lifestyle.Despite Sir Toby being a knight, he is still a rather corrupt individual. His drinking habits are made clear multiple times in the play, one instance of this is in Act 1 Scene 3, Sir Toby says ‘I’ll drink to her as long as there’s a hole in my throat and booze in Illyria' in reference to Olivia. Not only is he a burden to Olivia, the only reason he continues his â€Å"friendship† with Sir Andrew Aquecheek is to gull him out of his money. The fact that he can tease Sir Andrew is only his second purposeof him, the first being his money in order to be able to continue his drinking habits. This is another problem resolved in Act 5, also symbolised by marriage, as he leaves Ill yria to wed Maria who had been well suited throughout the play due to their lack of morals shown in their sinister behaviour towards Malvolio. Sir Andrew Aguecheek is another character who loves Olivia, and unfortunately is one who is left at a loss at the end of the play.This therefore indicates that a comedy isn't a ‘problem-solving story, ending in resolution and order' as throughout the play we laugh at Sir Andrew Aguecheek as he is merely a foolish man, who is easily gulled by Sir Toby, and obliviously at that. Another reason why we laugh at him is due to the fact that he loves Olivia, for he is foolish to believe that such a woman of high status would consider Sir Andrew. He is also a coward throughout the play which adds to the comedy in the play, for instance when he is tricked into fighting Cesario.Sir Toby sums up Sir Andrew in Act 5 as ‘an ass-head, and a coxcomb, and a knave; a thin-faced knave, a gull'. This, arguably, may have been harsh however portrays th at Sir Andrew was left alone with no progression in his life apart from a possible realisation that he has been used by Sir Toby and stands no chance with Olivia. In conclusion, I would agree with the idea that ‘a comedy is a problem-solving story, ending in resolution and order and normally symbolised by marriage' in Act 5 as majority of the problems caused within ‘Twelfth Night', particularly the major ones, were solved, and symbolised by marriage.At the end of the play; Olivia was married to Sebastian who was happy to be with her in return; Viola was with the man that she loved, Orsino, who supposedly loved her back and was therefore no longer longing for Olivia; Sir Toby had gone off to wed Maria and so was no longer using Sir Andrew or Olivia. Despite characters such as Malvolio, Sir Andrew, Feste and Antonio being left unmarried and also the resolution of the twins being reunited not symbolised by marriage, the main issues which the comedy within the play was based around were resolved by marriage. A comedy then is a problem-solving story, ending in resolution and order and normally symbolised by marriage? Shakespeare's comedy ‘Twelfth Night' is mainly comedic due to the dramatic irony which is consistent throughout the play due to Viola, Sebastian's twin, pretending to be a man named Cesario. This is evident in Act 1 Scene 4 when Orsino is praising Cesario for how much of a woman ‘he' looks. ‘Diana's lip/Is not more smooth and rubious' would be highly entertaining to the Shakespearean audience as they would be completely aware that Cesario was in fact a girl, and therefore would obviously have a smooth lip. This would be even more dramatic to the Shakespearean audience due to the fact that at that time only men were permitted to act.This was one of the problems created within the play as Viola constantly had to hide her true identity. This therefore supports the idea that ‘a comedy then is a problem-solving story, ending in resolution and order' particularly when looking at Act 5 as this is when the rest of the characters find out Viola's true identity when she says ‘that I am Viola' and that she ‘hath been between this lady and this lord'. It also supports that the resolution is often ‘symbolised by marriage' as Viola goes on to marry Orsino.The marriage of Orsino and Viola also resolved another issue within the play- Orsino's unrequited love for Olivia. We were first made clear of this love in Act 1 Scene 2 when the captain explained that ‘he did seek the love of fair Olivia'. As well as this, in Act 2 Scene 4 we hear from Orsino himself that his love for Olivia is ‘more noble than the world' portraying the idea that his love is true, and not just due to her status or wealth, however Olivia claims ‘I think not of him' due to the fact that she is in love with Cesario.Despite this love that Orsino has for Olivia, he quickly directs that love to Viola in Act 5 when he asks Viola ‘give me thy hand ‘. Throughout the play it is often made clear that Olivia is in love with Orsino, for instance wh en he asks her to declare his love for Olivia, Viola replies ‘whoe'er I woo, myself would be his wife' but due to her masked identity is unable to confess resulting in their marriage resolving her unconfessed love for Orsino as well as his unrequited love towards Olivia.Furthermore, the separation of the twins is a major issue that needed to be solved in ‘Twelfth Night' being the root also of Viola's hidden identity. During the entire play the audience are aware that Sebastian is alive and therefore great suspense is created as to when Viola is going to find out, which again, is Act 5. Viola claims that her ‘father had a mole upon his brow', Sebastian's response of ‘and so had mine' made clear to both of the twins that they were in fact related, as proven by this intimate fact.This certainly was a problem resolved, however in disagreement to the given statement indicating that resolutions to problems were ‘normally symbolised by marriage' the uniting of the twins was not symbolised by marriage in Act 5. When discussing the topic of unrequited love within ‘Twelfth Night' it is also necessary to mention the love that Olivia has for Cesario, Malvolio for Olivia as well as the hinted homosxual admiration that Antonio has for Sebastian. Out of these three, only one of these cases are resolved, that being Olivia's love.‘Even so quickly may one catch the plague? ‘, this quotation from Act 1 Scene 5 portrays how quickly Olivia fell in love with Cesario. The use of ‘plague' being a quickly spread disease reinforces this idea of speed and unwillingness the love for him was due to his lower status. Due to Cesario actually being Viola, they could never be together as homosexuality wasn't accepted in that era. However, Olivia's marriage to Sebastian provides her with the resolved, happy ending symbolised by marriage.In addition to the issues that have already been discussed, Sir Toby is a heavy burden to Olivia througho ut the play and it is clear he is using her for her money and lifestyle. Despite Sir Toby being a knight, he is still a rather corrupt individual. His drinking habits are made clear multiple times in the play, one instance of this is in Act 1 Scene 3, Sir Toby says ‘I’ll drink to her as long as there’s a hole in my throat and booze in Illyria' in reference to Olivia. Not only is he a burden to Olivia, the only reason he continues his â€Å"friendship† with Sir Andrew Aquecheek is to gull him out of his money.The fact that he can tease Sir Andrew is only his second purpose of him, the first being his money in order to be able to continue his drinking habits. This is another problem resolved in Act 5, also symbolised by marriage, as he leaves Illyria to wed Maria who had been well suited throughout the play due to their lack of morals shown in their sinister behaviour towards Malvolio. Sir Andrew Aguecheek is another character who loves Olivia, and unfortuna tely is one who is left at a loss at the end of the play.This therefore indicates that a comedy isn't a ‘problem-solving story, ending in resolution and order' as throughout the play we laugh at Sir Andrew Aguecheek as he is merely a foolish man, who is easily gulled by Sir Toby, and obliviously at that. Another reason why we laugh at him is due to the fact that he loves Olivia, for he is foolish to believe that such a woman of high status would consider Sir Andrew. He is also a coward throughout the play which adds to the comedy in the play, for instance when he is tricked into fighting Cesario.Sir Toby sums up Sir Andrew in Act 5 as ‘an ass-head, and a coxcomb, and a knave; a thin-faced knave, a gull'. This, arguably, may have been harsh however portrays that Sir Andrew was left alone with no progression in his life apart from a possible realisation that he has been used by Sir Toby and stands no chance with Olivia. In conclusion, I would agree with the idea that †˜a comedy is a problem-solving story, ending in resolution and order and normally symbolised by marriage' in Act 5 as majority of the problems caused within ‘Twelfth Night', particularly the major ones, were solved, and symbolised by marriage.At the end of the play; Olivia was married to Sebastian who was happy to be with her in return; Viola was with the man that she loved, Orsino, who supposedly loved her back and was therefore no longer longing for Olivia; Sir Toby had gone off to wed Maria and so was no longer using Sir Andrew or Olivia. Despite characters such as Malvolio, Sir Andrew, Feste and Antonio being left unmarried and also the resolution of the twins being reunited not symbolised by marriage, the main issues which the comedy within the play was based around were resolved by marriage.

How to Register Primary Cooperative

Once you have organized your cooperative, your work does not end there. The cooperative now needs a legal personality so that is can do all the acts that a cooperative is supposed to perform. With a legal personality, the cooperative can borrow money, sell its goods and services, deliver goods and enter into all sorts of business transactions. So that your cooperative can do all these, you must register your cooperative.Here is how to do it. WHERE DO YOU REGISTER YOUR COOPERATIVE? The Cooperative Development Authority (CDA) is the only government agency mandated to register all types of cooperatives. Its main office is located at 827 Aurora Boulevard, Service Road, Barangay Immaculate Concepcion, Quezon City . To facilitate the flow of its services, extension offices have been set up.These are located in (a) Dagupan City; (b) Tuguegarao; (c) Baguio City; (d) San Fernando, Pampanga; (e) NCR-Quezon City; (f) Calamba, Laguna; (g) Naga City; (h) Iloilo City; (i) Cebu City (j) Tacloban Ci ty; (k) Zamboanga City; (l) Cagayan de Oro City; (m) Davao City; (n) Kidapawan City; (o) Butuan City; and (p) Cotabato City. WHAT ARE THE GENERAL REQUIREMENTS FOR REGISTERING A COOPERATIVE? Organizing a cooperative can be complex and simple. It requires an understanding of the basic needs of the prospective cooperative members.It demands patience from the organizer who must make the cooperative’s long-term goals and objectives, and its visions a real part of the members’ lives. But it can be too easy because the Cooperative Code of the Philippines (RA 6938) has devised very clear-cut steps for the cooperative organizer and members. The following are the basic information that the prospective members should understand before organizing a cooperative. a. There are nine (9) steps suggested in setting up a cooperative. FIRST. Get organized. You must have at least 15 members to do that.At once determine the common problems you would want solved and the basic needs you would want provided for through a cooperative. You may want to include increasing your production, marketing your produce, credit assistance, power generation, banking or insurance and other similar needs. Determining your problems and needs will also help you classify the kind of cooperative you will be organizing. Even before a cooperative is set up, a dedicated core group people who will do all the organizational and paper works is a must.From this core group, working communities may be formed to set things moving. These committees may include membership, finance, executive, secretariat to name a few. SECOND. Reserved your proposed cooperative name. Secure and fill up Cooperative Name Reservation Request Form (CNRRF). This must be submitted to CDA Central Office or any of its Extension Office. A reservation fee shall apply. THIRD. Prepare a general statement called an economic survey. Economic Survey is a general statement describing, among others, the structure and purposes of the pr oposed cooperative.The structure and actual staffing pattern shall include a bookkeeper. This should indicate the area of operation, the size of membership and other pertinent data in a format provided by the Authority. FOURTH. Prepare the cooperative’s by-laws. The by-laws contain the rules and regulations governing the operation of the cooperative. FIFTH. Prepare the articles of cooperation. Mandatory contents of the articles of cooperation are the following: (a) the name of the cooperative, which must include the word â€Å"cooperative†; b) the purpose or purposes and scope of business for which the cooperative is to be registered; (c) the term of existence of cooperative; (d) the area of operation and the postal address of its principal office; (e) the names, nationality and the postal addresses of the registrants; (f) the common bond of membership; (g) The list of names of the directors who shall manage the cooperative; and (h) The amount of its share capital, the names and residences of its contributors, and a statement of whether the cooperative is primary, secondary or tertiary.The articles of cooperation shall be signed by each of the organizers and acknowledged by them if natural persons, and by the chairpersons or secretaries, if juridical persons, before a notary public. . (i) Arbitral Clause SIXTH. Secure bond of accountable officer(s). A surety bond should be secured from a duly registered insurance or bonding company. Every director, officer and employee handling funds, securities or property on behalf of the cooperative shall be covered by this.The board of directors shall determine the adequacy of such bonds. SEVENTH. Execute Treasurers Affidavit. A sworn statement of the treasurer elected by the subscribers showing that at least twenty-five per centum (25%) of the authorized share capital has been subscribed, and at least twenty-five per centum (25%) of the total subscription has been paid should be executed and to be attached t o the articles of cooperation. The paid-up share capital shall not be less than Fifteen thousand pesos (P15,000. 0).. EIGHTH. Complete the Pre-Membership Education Seminar (PMES). A prospective member of a primary cooperative must have completed a Pre-Membership Education Seminar (PMES). A Certificate of PMES must be secured from the training provider. NINTH. Register your cooperative with the Cooperative Development Authority (CDA). Submit the following required documents in four (4) copies: Four (4) copies each of the Economic Survey, Articles of Cooperation and By-Laws duly notarized; 1. Economic Survey; 2.Articles of Cooperation and By-Laws; 3. Surety bond of accountable officers; 4. Treasurer's Affidavit; 5. Approved Cooperative Name Reservation Slip; 6. Certificate of PMES; The Cooperative Development Authority (CDA) is the sole government agency mandated to register all types of cooperatives. Its main office is located at 827 Aurora Blvd. , Immaculate Conception, Quezon City. Prospective cooperatives must submit their application to the CDA Extension Office where the principal office of the cooperative is located.The following are the amount of fees to be paid for the registration of cooperatives per CDA per Memorandum Circular 2004-07, Series of 2004: The initial registration fee to be imposed shall be 1/10 of 1% of the authorized share capital or the basic fee below whichever You will need four copies each of the Economic Survey, By-laws and Articles of Cooperation. The article of Cooperative should be duly notarized and accompanied by the following: a. Bonds of the accountable officers (any director, officer and employee) handling funds, securities or properties on behalf of the cooperative.The board of directors determine the amount of bonds required based on the initial net worth which shall include the paid-up capital, membership fees and other assets of the cooperative at the time of registration; and b. Sworn statement of the treasurer duly nota rized showing that at least 25% of the authorized share capital has been subscribed, and at least 25% of the total subscription has been paid. The paid-up capital must not be less than PhP2,000. 00 It must be noted that no member may own more than 20% of the subscribed share capital; and each share must not be less than PhP1. 00. TYPES AND CATEGORIES OF COOPERATIVES 1) Types of Cooperatives. Cooperative may fall under any of the following types: a. Credit Cooperative is one that promotes and undertakes savings and lending services among its members. It generates a common pool of funds in order to provide financial assistance and other related financial services to its members for productive and provident purposes; b. Consumer Cooperative is one the primary purpose which is to procure and distribute commodities to members for productive and provident purposes; c. Producers Cooperative is one that undertakes joint production whether agricultural or industrial.It is formed and operated by its members to undertake the production and processing of raw materials or goods produced by its members into finished or processed products for sale by the cooperative to its members and non-members. Any end product or its derivative arising from the raw materials produced by its members, sold in the name and for the account of the cooperative, shall be deemed a product of the cooperative and its members; d. Marketing Cooperative engages in the supply of production inputs to members and markets their products; e.Service Cooperative is one which engages in medical and dental care, hospitalization, transportation, insurance, housing, labor, electric light and power, communication, professional and other services ; f. Multipurpose Cooperative is one which combines two(2) or more of the business activities of these different types of cooperatives ; g. Advocacy Cooperative is a primary cooperative which promotes and advocates cooperativism among its members and the public through so cially-oriented project, education and training, research and communication, and other similar activities to reach out to its intended beneficiaries; h.Agrarian Reform Cooperative is one organized by marginal farmers majority of which are agrarian reform beneficiaries for the purpose of developing an appropriate system of land tenure, land development, land consolidation or land management in areas covered by agrarian reform; i. Cooperative Bank is one organized for the primary purpose of providing a wide range of financial services to cooperatives and their members; j. Dairy Cooperative is one whose members are engaged in the production of fresh milk which may b processed and/or marketed as dairy products; k.Education Cooperative in one organized for the primary purpose of owning and operating licensed educational institutions, notwithstanding the provisions of Republic Act No. 9155, otherwise known as the Governance of Basic Education Act of 2001; l. Electric Cooperative is one or ganized for the primary purpose of undertaking power generation, utilizing renewable energy sources, including hybrid systems, acquisition and operation of sub transmission or distribution to its household members; m.Financial Service Cooperative is one organized for the primary purpose of engaging in savings credit services and other financial services; n. Fishermen Cooperative is one organized by marginalized fishermen in localities whose products are marketed either as fresh or processed products are marketed either as fresh or processed products; o. Health Services Cooperative is one organized for the primary purpose of providing medical, dental and other health services; p.Housing Cooperative is one organized to assist or provide access to housing for the benefit of its regular members who actively participate in the saving program for housing. It is co-owned and controlled by its members; q. Insurance Cooperative is one engaged in the business f insuring life and property of c ooperatives and their members; r. Transport Cooperative is one which includes land and sea transportation, limited to small vessels, as defined or classified under the Philippine maritime laws, organized under the provisions of this Code; s.Water Service Cooperative is one organized to own, operate and manage water systems for the provision and distribution of portable water for its members and their households; t. Workers Cooperative is one organized by workers, including the self-employed, who are at the same time the members and owners of the enterprise. Its principal purpose is to provide employment and business opportunities to its members and manage it in accordance with cooperative principles; and u. Other types of cooperative as may be determined by the Authority. (2) Categories of Cooperatives.Cooperative shall be categorized according to membership and territorial considerations as follows: (a) In term of membership, cooperative shall be categorized into: (i) Primary. The members of which are natural persons; (ii) Secondary. The members of which are primaries; and (iii) Tertiary. The members of which are secondary cooperatives; and (b) In terms of territory, cooperatives shall be categorized according to areas of operations which may or not coincide with the political subdivisions of the country. HOW MUCH IS THE REGISTRATION FEE?Prospective cooperatives must submit their application to the CDA Extension Office where the principal office of the cooperative is located. The following are the amount of fees to be paid for the registration of cooperatives per CDA per Memorandum Circular 2004-07, Series of 2004:. The initial registration fee to be imposed shall be 1/10 of 1% of the authorized share capital or the basic fee below whichever is higher:. BASIC FEES Primary Cooperatives Php 500. 00 Secondary Cooperatives Php 2,000. 00 Tertiary Cooperatives Php 3,000. 00 Laboratory Cooperatives Php 50. 00 .

How to Find the Best Credit Card for You

How to Find the Best Credit Card for You SAT / ACT Prep Online Guides and Tips Trying to choose the right credit card can get overwhelming fast. There are tons of options, and every company claims to offer the best one. How can you sort through the jargon and find the best card for your personal finances? I believe that to choose the right card, you need to understand yourself as a consumer. How can you get started down the road of financial self-discovery? First, take my personal finance quiz below. Personal Finance Quiz: What’s Your Financial Style? You see a lot of conflicting advice out there for credit card seekers. Some people love credit cards, saying that they’re great for building credit and getting nice perks. Others fall on the opposite end of the spectrum, saying that cards are the devil and one should avoid them at all costs. So who’s right? As it turns out, both perspectives are right, depending on which card you choose. If you choose wisely, then you’ll successfully build your credit and potentially see nice rewards in the process. If you choose poorly, then you could find yourself in a pit of debt. The key to choosing is understanding what kind of consumer you are. To find out, take this short quiz. True or False: When I use credit cards, I spend more loosely than I would with cash. I have good self-control. I am often spontaneous. When I use coupons, I get enjoyment beyond the money saved. It’s very important to me that I’m getting the best deal possible down to the very cent. I am frugal. Once you’ve responded to each of the statements above, tally up one point for each of your answers that matches the key below: 1) True; 2) False; 3) True; 4) False; 5) False; 6) False For instance, if I marked every statement as "true," then I’d end up with 2 points (a point for question 1 and a point for question 3). Now, let’s take a look at what these points mean in terms of your financial profile. Assessing Your Financial Profile: What Does Your Score Mean? If you’re going to enter into a credit card contract, then you should do so from a place of self-awareness. I don’t mean the kind of self-awareness that comes from a week-long silent yoga retreat. Instead, I mean that you understand the way you use your money and what motivates you to save or spend. The quiz is all about getting to the root of your spending habits, as well as the psychological reasons behind your actions, like self-control in the face of temptations. Let’s see what each quiz result means, and how you can use your results to find the best credit card for you. Scores of 0 - 2: The Optimizers If you scored somewhere between 0 and 2 on this quiz, then you might be an optimizer (like me!). You enjoy getting every last mile out of things and shopping around for the best possible deals. You do your research, compare prices, seek out sales, and buy when the time is right. If you’re an optimizer, then I would suggest you take the time to analyze your spending habits. Take a look at your budget, and find your top three highest spend categories. You can leave out expenses that you wouldn’t put on a credit card, like rent. Relevant spending categories could include restaurants, entertainment, transportation, and clothes. Once you’ve figured out your biggest spend categories, you should look around for cards with matching rewards. If you spend a lot on travel, then you’d benefit from a travel rewards card. If you love to eat out, then you might prefer a restaurant rewards card. People who commute long distances back and forth to work everyday could get the most mileage from a gas rewards card. If you’re looking to carry more than one card, you could also sign up for a general rewards card that gives you something like 2% back on all of your purchases. I like to have a flat-rate card to fall back on, just in case. Another thing that might appeal to your maximizing mindset? A lot of rewards cards offer sign-up bonuses, giving you several hundred dollars toward travel or as cash back when you spend a minimum amount in the first months of opening an account. The potential downside is that some of these cards have annual fees after the first year. For some people, I’d say that the fee isn’t worth it; the rewards don’t add up enough to make up for the yearly fee. If you’re interested in a card with a fee, then you should break down your spending and see if you would get enough rewards in the long run. Even though rewards like travel points offer psychological benefits- it helps you set aside money specifically for traveling- it might be costing you more money in the long run. So now that you know what kind of cards to look for, what are some specific credit cards that appeal to optimizers? Best Credit Cards for Optimizers These are my suggestion for the best credit cards for optimizers who like to put in a little extra effort to get the best possible deals. Chase Sapphire Preferred This travel rewards card gives you 2X points on restaurants and travel and a point for each dollar that you spend on everything else. You’ll also earn 50,000 bonus points if you earn $4,000 in the first three months. You can redeem points as cash back or use them to book through the Chase search engine. If you use the Chase search tool, then your points will be worth 25% more. The downside of this card is that it charges a $95 annual fee after the first year. Barclaycard Arrival Plus World Elite MasterCard This travel rewards card gives you 2X miles on all purchases, plus you get 5% of your miles back when you redeem them. You’re not restricted to any particular airlines or hotels. If you spend $3,000 in the first 90 days of opening an account, then you’ll earn 40,000 bonus miles. After the first year, this card charges an annual fee of $89. Citi Thank You Card This card is good for those who love to eat out. You’ll earn 2X points on every dollar you spend at restaurants. You’ll also get a bonus of 20,000 points if you spend $1,500 in the first three months of opening. This card is seriously restaurant-oriented; it even has a personal concierge service to help you make reservations. The Citi Thank You Card has no annual fee. Discover It Card The Discover It card gives 5% cash back on purchases made in certain categories, like restaurants, online shopping, and gas, that change quarterly. It also gives you 1% cash back on everything else. It has no annual fee. Citi Double Cash Card This card is a great back up for times when you don’t want to think about maximizing your rewards. It offers a flat-rate of 2% cash back on all your purchases. This card is also appealing because it has no annual fee. The only downside is that it doesn’t offer a rewards bonus for opening an account, and those hundreds of dollars in the first few month can be a welcome sign up gift. Now let’s consider the next category of spenders, those who scored in the middle of the road. Scores of 3 - 4: Middle of the Road Spenders If you scored between 3 and 4 on the quiz, then you might be a middle of the road spender. I’d say that the majority of people fall into this category. You have decent self-control, but you’re not obsessive about optimizing savings on all your purchases or maximizing rewards in a certain spending category. If this sounds like you, then I’d suggest getting a flat-rate card. You could get 1 to 2% back on all of your purchases across the board, and you don’t have to think about where you spend your money or what kind of rewards you’ll see. It’s consistent across all spending areas. Of course, getting this card assumes that you won’t change your spending habits because you have a credit card. You don’t want to end up carrying a balance month to month and getting into debt as a result of high interest rates. Just because you can technically charge a huge purchase to a credit card, doesn’t mean you should. If you can’t pay off a purchase within the month, then you should think hard about whether buying it on credit is the way to go. If you’re a middle of the road spender, what specific credit cards would work best for you? Best Credit Cards for Middle of the Road Spenders These are my suggestions for middle of the road spenders who don’t want to keep up with quarterly changes in rewards categories or worry about which card they use for each purchase. For the most part, these cards offer flat-rate rewards on any purchases. Citi Double Cash Card As you saw above, the Citi Double Cash Card is my top pick for a flat rate rewards card. It gives you 2% cash back on all purchases and has no annual fee. Again, the downside is that it doesn’t offer any bonuses for signing up. Capital One Venture Rewards This card gives you travel points at a flat rate of 2 miles on all purchases. If you spend $3,000 in the first three months, then you’ll get a bonus of 40,000 miles. After the first year, this card has an annual fee of $59. Capital One Quicksilver Cash Rewards This flat-rate card gives you 1.5% cash back on every purchase you make. It offers a $100 bonus after you spend $500 in the first three months. There’s no annual fee. BankAmericard Cash Rewards This card gives you 1% back on every purchase, plus 2% back at grocery stores and 3% on gas. You’ll get a bonus of $100 after you spend $500 in the first 90 days. There’s no annual fee. Finally, let’s consider the third type of spenders who scored highly on the personal finance quiz. Scores of 5 - 6: Spontaneous Spenders If you scored highly on this quiz, then you might find it challenging to control your spending. Maybe you love shopping, for instance, and find it difficult not to splurge every weekend at the mall. With a credit card, you might spend more than you normally would if you were just using cash. If this sounds like, or if you’re worried that a credit card would be too irresistible not to use beyond your means, then you might consider getting a card that puts caps on your spending. You should also compare interest rates and avoid the high ones. There are some credit cards that work like phone cards. You can load them up with a set number of points each month and thereby set a spending limit for yourself. Similarly, you could look into a secured credit card that doesn’t give you very much credit and requires a deposit before you sign on. You could also avoid credit cards altogether and just use your debit card, assuming that it doesn’t have overdrafts or fees. Keep in mind that a debit card takes money directly from your bank account, so it doesn’t help build up your credit. If you’re trying to gain more control over your spending habits and build credit, then you might start with a low-limit card (either secured or not secured). You could self-impose a 6-month probationary period where you look at your budget and figure out whether you’re spending more with a card that you would without one. As you gain control over your personal finances, you can eventually move onto a non-secured or rewards credit card. Below are my suggestions for the best credit cards for spontaneous spenders. Best Credit Cards for Spontaneous Spenders The suggested cards below help you set limits on your spending. There are two secured credit cards and two prepaid debit cards. Capital One Secured Mastercard This card asks you to make a deposit of $49, $99, or $200 and gives you a limit of up to $200 depending on your credit. You need to pay the full amount of your deposit within 80 days. It has no annual fee. Discover It Secured Card This is a rare secured card that also gives you rewards- 2% cash back on up to $1,000 of spending on restaurants and gas and 1% on other purchases. You need to make an initial deposit of $200 with a bank account. Each month, you’ll be automatically evaluated to see if you qualify for a regular, non-secured card. There’s no annual fee. Bluebird This fee-free card, available both to people with bank accounts and to those without, lets you load cash at WalMart stores and deposit through the Bluebird app. Withdrawals are free at MoneyPass ATMs, but they cost fees between $2.50 and $9.00 at other ATMs. This card works wherever merchants accept American Express and has no annual fee. American Express Serve You can order this prepaid card online for free, and no credit check is required. You load it with cash for free at locations like Rite Aid, Wal-Mart, and some 7-Elevens. There’s a $4.95 monthly fee (except in Texas, New York, and Vermont). At this point, you may have noticed that I haven’t talked very much about interest rates. A lot of people think that low and high interest rates are a top consideration when choosing credit cards. I actually take the opposite opinion in the majority of cases. Read on to find out why. What About Interest Rates? Why They Shouldn’t Matter You may have noticed that I didn’t spend much time talking about high and low interest rates in this guide. A lot of people tout interest rates as the first thing to look at when choosing a new credit card. I take the opposite stance, though, and suggest that interest rates should not matter. No credit card has a very appealing interest rate. All of them will add up to a great deal of money and make it very hard for you to get out of debt. In most cases, you should do everything you can to avoid carrying a balance on your card from month to month. If low interest rates feel like a strong priority to you, then you might consider reassessing your approach to personal finances. You should sit down with a money-tracking app, like Mint, or simply an Excel spreadsheet, and list out your spending activity. By reflecting on your finances, outlining a budget, and setting specific goals, you can start to control your spending better. In the meantime, try to use a card that will work with you to control your expenses. Finding the Best Credit Card for You There’s no single best credit card for everyone. Instead, you have to look for the best credit card for you. To find your best match, you should think about your approach to personal finances, how you spend your money, and how you practice self-control. If you tend to spend spontaneously, then you might benefit from having a card that doesn’t test your willpower. If you’re more strategic about your spending and want to maximize rewards, then you should choose a card that will grant you the most perks in the category most valuable to you. As you saw above, there are several cards with advantages for every kind of spender. Your job, then, is to figure out what kind of spender you are! Once you do that, you can sort through all the promotions and sign up for the credit card with the best benefits for you as an individual.

Becas para deportistas para estudiar en Estados Unidos

Becas para deportistas para estudiar en Estados Unidos Entre la ayuda financiera para pagar por el college o la universidad destacan las  becas para deportistas domà ©sticos y extranjeros. Las becas estn abiertas a ciudadanos, residentes permanentes, estudiantes internacionales (visa F-1), indocumentados con accià ³n diferida aprobada (DACA, por sus siglas en inglà ©s) y, en ocasiones, tambià ©n a indocumentados no elegibles para DACA. Ventajas de las becas Las becas, que pueden ser totales o parciales, permiten obtener una licenciatura de Estados Unidos, entrenar a un gran nivel deportivo, mejorar notablemente el conocimiento del idioma inglà ©s. Incluso en el caso de estudiantes internacionales  se puede obtener al finalizar los estudios un OPT, que es un programa que permite seguir en Estados Unidos por un aà ±o con un permiso de trabajo.Posteriormente se podr conseguir una visa que permita continuar en Estados Unidos o habr que dejar el paà ­s. Quà © se necesita para obtener una beca deportiva para estudiar en una universidad americana Los requisitos son diferentes segà ºn la universidad, pero en general se tienen en cuenta los siguientes factores: Buen nivel deportivo. De à ©l depender en gran medida el importe de la beca.Haber acabado el equivalente al high school americano. En caso de estar cursando estudios universitarios, haber completado menos de tres aà ±os acadà ©micos. Hay que convalidar los tà ­tulos y diplomas de otros paà ­s (es lo que tambià ©n se conoce como validacià ³n). Aquà ­ cada universidad tiene diferentes estndares de  convalidacià ³n  a travà ©s de una determinada agencia,.  Tener entre 18 y 22 aà ±os de edad.Buen nivel de inglà ©s, que se mide en general puntuando 61 puntos en la versià ³n de computadora del examen conocido como TOEFL. Si bien la puntuacià ³n puede variar segà ºn el tipo de programa y universidad. Muchà ­simas universidades tambià ©n admiten el IELTS.Completar la aplicacià ³n.   Importe de las becas Depende de la universidad o college, del nivel del deportista y del deporte. Pero pueden ser completas, cubriendo la inscripcià ³n en la universidad, el alojamiento, las comidas y los libros. O tambià ©n parciales cubriendo un porcentaje de la inscripcià ³n y otros gastos. En estos casos el becado internacional deber probar que puede mantenerse econà ³mica en Estados Unidos. Deportes En general todos los deportes pueden tener becas. La gran mayorà ­a del dinero va para fà ºtbol americano y baloncesto. En el caso de estudiantes internacionales suelen estar concentradas en ciertas actividades deportivas, como por ejemplo: AtletismoBaloncestoFà ºtbol (masculino y femenino)GimnasiaGolfNatacià ³nTenisWaterpolo Hay que resaltar que las mujeres deportistas extranjeras encuentran ms fcilmente becas y estas suelen ser de mayor importe. Asimismo, hay otros deportes en los que las becas existen pero no suelen ser casi nunca completas. Sin embargo, tienen la ventaja de que ofrecen muy buenas condiciones para poder competir. Por ejemplo: EsgrimaEsquà ­Hà ­picaNatacià ³n sincronizadaSnowboard Cà ³mo conseguir las becas deportivas para Estados Unidos Existen 3  caminos bsicos. En primer lugar, que el propio deportista busque las universidades que ofrecen becas para su actividad deportiva, estudie todos los requisitos, tome los exmenes pertinentes y envà ­e la solicitud a varias de ellas. Conviene recordar que el proceso de seleccià ³n americano lleva su tiempo y que hay que aplicar con varios meses de antelacià ³n. Estos son los 8 documentos que requieren la mayorà ­a de las universidades y sirven para dar una idea de la complejidad del proceso. En segundo lugar, una buena fuente de becas son las asociaciones de un deporte en particular. Por ejemplo, los jugadores de tenis deben consultar con la The United States Tennis Association. Los jugadores de bolos, con el Bowling Congress, los jinetes y amazonas, con la American Morgan Horse Association, etc. Asimismo, se debe consultar con organizaciones como la  National Collegiate Scouting Association  que brinda apoyo a buscar becas a todo tipo de atletas. Finalmente, los estudiantes que no aspiran a becas deportivas per se pero que sus estudios estn relacionados con este campo como por ejemplo la medicina deportiva, pueden consultar con la  National Strength and Conditioning Association. En tercer  lugar, es posible recurrir a organizaciones expertas en este tipo de gestiones. Por ejemplo AGM Sports, especialista en estudiantes internacionales o la estadounidense Sport-Scholarships. Hay muchas posibilidades. Consejos para estudiantes internacionales Para obtener la visa F-1 adems de haber sido admitido por una universidad es preciso cumplir con los objetivos generales del gobierno americano para la obtencià ³n de visados. Es decir, no ser inadmisible o inelegible por ciertas causas, como por ejemplo, haber cometido cierto tipo de delitos, no tener và ­nculos fuertes en el paà ­s de origen o, incluso, padecer de ciertas enfermedades contagiosas que se consideran que son un peligro para la sanidad pà ºblica.En estos casos, la visa se deniega. Y una vez que se consigue la visa, el estudiante es el responsable de asegurarse que mantiene en todo momento la validez de la misma y que no incurre en ninguna actividad que puede dar lugar a u anulacià ³n, como por ejemplo, trabajar sin permiso. Adems, deber cumplir con requisitos fijados por las autoridades de inmigracià ³n como notificar sus cambios de domicilio. A tener en cuenta Tambià ©n es posible buscar becas por mà ©rito acadà ©mico. Muchas las otorgan las propias universidades, por ejemplo, no es ampliamente conocido que varias universidades de à ©lite siguen la polà ­tica de need-blind admissions que garantiza becas totales (o casi) a los estudiantes que son admitidos (en muchos casos incluso a internacionales e indocumentados). Finalmente, si el dinero es limitado conviene explorar la posibilidad de  estudiar los dos primeros aà ±os en un Community College, que son ms econà ³micos.

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Position Paper 2 Essay Example | Topics and Well Written Essays - 250 words

Position Paper 2 - Essay Example Therefore, it keeps friends and relatives abreast of the happenings in college through the same. The classroom is an area in which social media has a significant impact besides being the core of the higher education experience. According to Kist (2009, p.218), the Pearson Social Media Survey indicated that the lecturers use social media to some extent in their courses. One may employ social media in a classroom setting in various aspects as explained below. Marquis says that social media is majorly used in the classroom as a channel for communication between the instructor and the student. This is true and the link may be created using Facebook whereby the instructor or lecturer posts course syllabus and assignments and can even take attendance. The World Wide Web complements the lecturers’ information that students get. The internet is where students can get in touch with other learners, experts and experiences in the real world, which an individual teacher may not match. A teacher can provide additional insights by using the web to connect students to others. In addition, the teacher may express alternative points of view via the internet. This is the best way to engage students in a much deeper level with the content of the course. Often, teachers assign students work that require them to research from books and other sources to get the required information. With the internet, students can obtain information at a lower cost with regard to time. They also get information that is up-to-date, and from a wide scope. This is because topics such as education, commerce, religion, politics, or even medicine can be accessed on the internet. Thus, allowing students to access and conduct research through the internet aids their learning. As students conduct research in the internet, they also gain skills on how they too can share their own media or critique work done by others; which helps students to participate in their own knowledge of