buy custom Morgan Heritage Family Financial Plan essay

buy custom Morgan Heritage Family Financial Plan essay Families need a committed financial planning for objective and control of home affairs. The financial plan ranges from the small to large depending on the size and general requirements of the family. Importantly, it is prudent to involve professionalism at the time of drafting the plan. Key elements in any family financial plan involve; differentiating want from need, set time for a through home work and maintaining the purchase. The strategies that are involved in differentiating a want from need, perhaps is the most daunting task of most families. Simply, a want is what is most important to you while a need is what you cannot do without. A good financial plan should be systematic and divide into categories from the essential to the least. More Importantly, Family financial plan is meant to secure your future together with that of your family. Overall, it is a common feature across all households to find financial problems, such problems are being behind on debt and credit accumulat ing and being coerced for a second mortgage, are common features in most households. All these problems can be solved through systematic financial management. Morgan Heritage Family Background Morgan Heritage is a family of four, consisting of the Father, Morgan, Mother-Natasha and two daughters, Megan and Laura. Morgan, the father is a consulting physician in New York while Natasha is an accountant with City Bank. They are both 40 years of age while daughter Megan is 18 years old and a sophomore at New York State University. Laura is pursuing her last year in a private high school and is 17 years old. A general overview is that, the family is well endowed with secure occupations; however the needs of the family are overwhelming. For instance, Mr. Morgan takes a monthly salary of $10,000 while his wife is entitled to a monthly salary of $12,000. Megans University tuition demand that she pays a yearly fee of $30,000 while Laura $15,000. Apart from that, the family also has other expenses that they need to cover, such as food, mortgage, insurance, gas and medical. In order to balance these expenses, it is vital that an accurate financial statement is drawn, reflecting on eac h entity within their domestic surrounding. The Morgan`s have devised a system whereby each member of the family has set goals that are categorized into three. The following is a breakdown of Morgan Heritage family goals. Morgan (Father) Short term goals To buy a SUV - Intermediate goals- To pay fees for his daughters - Long term goals - To Start private consultancy firm Natasha (Mother) Short Term Goals- family food - Intermediate goals Liberty and Lauras college upkeep - Long Term Goals - Invest in the stock market Megan (Daughter) Short Term goals finishes College - Intermediate goals dream holiday - Long term goals Secure a rewarding job Laura (Daughter) Short term Goals To finish high school - Intermediate goals Join University - Long term goals Pursue higher education Financial Information Collection Balance Sheet It shows the financial status of the family at a given point in time. The balance sheet contains the assets and the liabilities of the family. In other words, it shows the net worth of the family. In case above, the family has no tangible assets. The family relies on the income of the parents and therefore drawing a balance sheet would not be easy. In other words, the family has monetary assets. This is the major reason why the Morgan family has financial problems. If the family could invest in assets, they would short term assets as well as long term assets. Some of the investment opportunities that earn the family assets include mutual funds. In order to boost its assets column, Morgan family can consider investing in Bonds and Real estate. This will guarantee the family additional source of income which will help offset the family needs that are currently overwhelming. Income statement Income statement shows the sources of money for family such as salary and also how the money will be spent. Income statement relates income with expenses. It shows whether the family is living beyond its means or whether it is living with at par with the income. In the above case, the income totals to $22000 per month. Expenses include, gas, school fees for the two daughters (Megan = $2500 per month and Laura =$1250 per month) Creating a budget Work Sheet The following is a template Category Monthly Budget Amount Monthly Actual Amount Difference INCOME: Wages and Bonuses Interest Income Investment Income Miscellaneous Income Income Subtotal TAXES: Federal Income Tax State and Local Income Tax Social Security/Medicare Tax Income Taxes Subtotal Spendable Income EXPENSES: Mortgage Homeowners/Renters Insurance Property Taxes Home Repairs/Maintenance/HOA Dues Home Improvements FOOD: Groceries Eating Out, Lunches, Snacks UTILITIES: Electricity Water and Sewer Natural Gas or Oil Telephone (Land Line, Cell) FAMILY OBLIGATION Child Support HEALTH AND MEDICAL: Insurance (medical ,Teeth, eye) Unrefunded Medical Expenses, The above work sheet can enable the Morgans Family to have a proper for their finances. Financial Analysis and Advice A professional glimpse into the financial goals of Morgans reveals that, they are short of the expected financial achievement of the overall goals they have set. Relevant and realistic financial measures have to be undertaken in order for them to achieve individual as well as family goals. A more resourceful means of the Morgans to achieve their goals is to get rid of non essential allocations. Given that their total combined income is $22,000, and their estimated expense is $30,000, they are way out of their income bracket. Several financial mechanisms will assist the Morgans get out of this financial doldrums. Creating an expense scheme The first step towards creating an expense plan is creating a budget that is concomitant to the total income of the household. Importantly, have a joint meeting and agree on unnecessary expenses that you can do away with. The second strategy is to use expense reduction strategies and savings friendly methodologies. The fundamentals behind this are to match the family income with the total financial expectations. Also important is for the Morgans to reflect on their earlier budget expenses and make alterations that rhyme with set goals. Further, it is vital that the Morgans set goals that are financially viable using the following key statements. Goals should either aim for, debt reduction, savings and expenses. Also importantly, develop a brand new budget and follow it to the letter. The best known method of following your families spending is to note in detail the exactness of what they spend. This will enable you have a precise plan of item by item and how much it cost. If the budg et becomes too small and restrictive, always be in a position to make adjustments, however, small they make a difference. This a much better way than abandoning your financial plans altogether. It is possible to avoid a domestic financial crisis by drawing up a budget that is realistic and to the point of your expenses and income. Conclusion A possible and realistic method for Morgans is to set up a savings goals scheme. Savings are a positive way in which many families have emerged out of the financial crisis. This works in many circumstances including where families are in abundance of debts. For instance, saving $10 every day will have an accumulative effect to $300 in a month. This can be done through having part of your salary secured in a fixed deposit account. In this way, two things will happen, first you will always have money, and second you will not be able to access it easily. This also ensures that savings are divided into pools. With each pool, there will be a specific purpose and goal. Another important milestone for the Morgans is to always set realistic goals, goals that are achievable. The best way is make short term goals whose feedbacks are foreseeable and viable. Long term goals are unpredictable and are subject to many elements which could interfere with them. All said and done, financial planning r anks high in the success of our homes. It facilitates a quicker way of solving domestic problems and a proof that indeed the finances were not used haphazardly. Buy custom Morgan Heritage Family Financial Plan essay

Health risks associated with plastic surgery Essay

Health risks associated with plastic surgery - Essay Example One expert physician skilled in plastic surgery offers the risks of rhinoplasty, which involves surgery to correct or restructure the nose. These risks include ongoing bleeding from the surgery site and â€Å"serious nasal blockages caused by swelling of the nose† (Essig, 2008, p.1). Many of these health risks are temporary, however they can have long-lasting repercussions on the patient at the emotional level if the procedure does not reproduce the aesthetic look they desired. From a physiological perspective, these health risks can include lifelong problems with nasal breathing caused by improper nose adjustment. Rhinoplasty is especially popular with youths, who generally tend to rely on their youth peers and advertisements for beauty when making decisions as to whether to explore this procedure. One critic of cosmetic surgery for youths offers, â€Å"look in the back of any teenage magazine and you will see pages of adverts for surgery offering to correct every imperfection, however slight or even imagined† (McCartney, 2007, p.10). The method by which these procedures are marketed to youths pose considerable health risks of many different varieties as these advertisements play on youths’ needs for looking beautiful and are willing to provide services without proper consultation or health risk assessment. â€Å"There are even examples of clinics across Europe offering to do cut-price multiple cosmetic procedures on special offer† (McCartney, 2007, p.10). In this case, cosmetic surgeons are using promotional materials to elicit offers for these procedures to youths who a re ill-equipped, at the emotional level, to understand the potential mental and physical risks. Even though these procedures may be carried out using state-of-the-art technology and superior process, the potential emotional damage caused to youths who are just now

CARBON EMISSIONS Essay Example | Topics and Well Written Essays - 1500 words

CARBON EMISSIONS - Essay Example The tool has been used to generate the figures that are used to justify this report. The results of the simulation using the tool will form evidence for the justification of the intended plan. This report explores the strengths and weaknesses of the values obtained from the tool. The tool was used with an aim simulating values that can achieve the desired 80% carbon emission. The analysis of the results obtained from the 2050 calculator will form a basis for the development of plan to achieve the 80% carbon emission. The URL used to generate this report is: http://2050-calculator-tool.decc.gov.uk/pathways/31134443324444441444414113322121332311213213111411121/primary_energy_chart. Below is a screenshot of the findings obtained from the tool. The procedure used to achieve the 80% carbon emission considers factors that affect carbon emissions. The factors include lifestyle and behavioural changes that occur due to changes with time. The desired lifestyle and behavioural changes include reductions in the average room temperatures during winter and reductions in energy demand. Lifestyles such as reducing food wastage can reduce emissions. Shifting from private transportation to public transportation can reduce the amount of emissions due to high usage of petroleum products. Another factor considered in the generation the results and explanation of this report is the changes in technology. Technology is dynamic in nature and has been changing gradually. The emergence of Light Emitting Diodes (LEDs) has contributed a lot to reduction in energy usage. These are less carbon intensive technologies that reduce the emission of carbon (Carbon emissions, 2008). The availability of different fuel and technological choices makes the development of our plan for reducing carbon emissions by 80% easier. Different options of lighting and heating appliances gives power consumers varied options to minimize their energy consumption. For example, current heating appliances

Long-Lasting Hostility Among Indians Towards British Rule Essay Example for Free

Long-Lasting Hostility Among Indians Towards British Rule Essay How far do Sources 10, 11 and 12 suggest that the Amritsar Massacre created widespread and long-lasting hostility among Indians towards British rule? Sources 10, 11 and 12 suggest that the Amritsar Massacre, the incident in which British troops under the order of General Dyer fired at a crowd of Indian protesters on the 13th April 1919, did create widespread and long-lasting hostility among Indians towards the British. Creating the British government to be portrayed as repressive and irresponsible. However, the alternative view presented by the sources is that Indians were not hostile towards the British, but they were in fact appreciative of their help and did not feel that they were repressive. The view of which the Amritsar Massacre did create widespread and long-lasting hostility amongst Indians towards British rule is presented in Source 11. ‘The Empire have become dishonest and unscrupulous, with no regard to the wishes of the Indian people.’ This article was written by Gandhi in 1920, which is shortly after the Amritsar Massacre, and the reliability of it is not that high as it is published in his own newspaper. Although it is still useful as Gandhi was a highly influential figure and supported by the masses so what he said would be key. Using strong words such as dishonest and unscrupulous, suggests strong feelings of hostility towards British rule. Also Gandhi feels as though the British are almost cheating the Indian people, meaning that the British are doing what they want without consulting the people they are ruling over. This source shows that the hostility felt by Indians was in fact widespread as it is written by Gandhi, a man who represented and was supported by the masses within India. This source does suggest that the Amritsar Massacre did create widespread and long-lasting hostility among Indians towards British rule. This theme of hostility towards British is also shown within Source 10, ‘Irresponsible government rights of human beings are denied to us.’ This extract is from a speech made by Motilal Nehru at the meeting of Congress a few days after the Massacre occurred. The usefulness of this is not as high as source 11 as we cannot be sure if the hostility was long-lasting as it is the same year as the Massacre itself. Although the reliability is still high Nehru was addressing the whole of Congress meaning he could not lie and also as it a few days after the Amritsar Massacre would increase the reliability as it will show the true feelings of Nehru. This extract shows that the Indians once again felt that the British were doing as they pleased without Indian voices being heard, which is also shown in source 11. However, as this source is written by Motilal Nehru, leader of the Indian National Congress, it is difficult to say from this source that hostility was in fact widespread as Nehru only represents the Indian National Congress which has the high caste community as a significant majority. Although this source does not show that the Amritsar Massacre created widespread and long-lasting hostility among Indians, however it does suggest that it was leading to this point. However, the alternative view shown within source 12 is that Indians were not hostile towards the British, but they were in fact appreciative of their help and did not feel that they were repressive. ‘Without British protection we would not be completely oppressed by their majority.’ This extract was from a Muslim shoe merchant, Hafiz Hussain, investigating Hindu-Muslim riots during the civil disobedience campaign in 1931. This extract is useful and also reliable as it is from a common Muslim who would have no reason to lie and would give an overview and insight into the situation. As Hafiz Hussain is talking about the pressure the Hindus put the Muslims under to close their shops as a mark of respect for an executed terrorist, he is glad that the British are protecting them as they would have no choice in closing their shops as the majority would oppress them into doing so. This shows that this hostility towards the British was not caused by the Amritsar Massacre but that of the execution of a terrorist. This suggests that the Amritsar Massacre was not the only reason widespread and long-lasting hostility among Indians towards British rule was created, it shows that other factors came into play. The view that the Amritsar Massacre created widespread and long-lasting hostility among Indians towards the British is shown mainly within source 11, as it is the most useful and reliable source, but also source 10 as well. Although source 12 does suggest that there were other factors leading towards the hostility among Indians towards the British its provenance is not as great as those of sources 10 and 11 combined. As source 10 is the most useful and reliable at showing the widespread and long-lasting hostility among Indians due to the Amritsar Massacre it outweigh the points given by source 12. Suggesting that that the Indian people did have widespread and long-lasting hostility towards British rule because of the Massacre.

Symbols and Symbolism - Houses and Cars in The Great Gatsby :: Great Gatsby Essays

Symbolism of Houses and Cars in The Great Gatsby      Ã‚  Ã‚  Ã‚   Francis Scott Fitzgerald's novel, The Great Gatsby, is full of symbolism, which is portrayed by the houses and cars in an array of ways. One of the more important qualities of symbolism within The Great Gatsby is the way in which it is so completely incorporated into the plot and structure. Symbols, such as Gatsby's house and car, symbolize material wealth.    Gatsby's house "[is] a factual imitation of some Hotel de Ville in Normandy" which contains "a tower on one side, spanking new under a thin beard of raw ivy" is a symbol of Gatsby's large illegal income (Fitzgerald 9)(9). Gatsby's large income isn't enough to keep him happy. He needs "The house he feels he needs in order to win happiness" and it is also the perfect symbol of carelessness with money which is a major part of his personality (Bewley 24). Gatsby's house like his car symbolizes his vulgar and excessive trait of getting attention. Gatz's house is a mixture of different styles and periods which symbolizes an owner who does not know their true identity. The Buchanan's house is symbolic of their ideals.    East Egg is home to the more prominent established wealth families. Tom's and Daisy's home is on the East Egg. Their house, a "red and white Georgian Colonial mansion overlooking the bay" with its "wine-colored rug[s]" is just as impressive as Gatsby's house but much more low-key (Fitzgerald 11)(13). East egg and Tom's home represents the established wealth and traditions. Their stable wealth, although lacking the vulgarity of new wealth, is symbolic of their empty future and now purposelessness lives together. The House also has a cold sense to it according to Nick. This sense symbolizes Tom's brutality, and as Perkins's says in his manuscript to Fitzgerald "I would know...Buchanan if I met him and would avoid him," because Tom is so cold and brute (Perkins 199).    Nick lives in West Egg in a rented house that "[is] a small eye-sore" and "had been overlooked"(Fitzgerald 10). Nick lives in a new-rich West Egg because he is not wealthy enough to afford a house in the more prominent East Egg. His house symbolizes himself shy and overlooked. Nick is the Narrator and also the "trust worthy reporter and, ...judge" that has ties to both the East and West Egg crowd(Bruccoli xii).

Christmas Carol Essay

   But overall when it comes to the characters in the story, it would have been for the older audience, mainly because, many of the characters aren’t suitable for children, fortunatley the media and industry have transformed the original characters into the more child friendly characters which can be seen in the modern films of a Christmas carol. The gothic genre of stories was favored in the Victorian era so Dickens tried to add some of his gothic conventions to his novella. At the time, children and adults loved the gothic genre so the novella was then most likely to be suitable for all ages. Dickens places in a Christmas carol some of the basic conventions of a gothic story such as the several ghosts and the mystery and suspense in the atmosphere with the ghost of Christmas future. He also sets the first chapter of Marley’s ghost in his old, dark and gloomy home, the atmosphere becomes mysterious at the time with the constant sound heard and supernatural event, like When Marley appears in his room. There are also many more of these gothic conventions used like the mysterious weather, the rain makes creates a more gothic atmosphere, also with the ghost of Christmas future and a very important convention used in many gothic movies and books, justice-it is present in the novella, like how Scrooge’s actions means that if any positive change is not present in him he could suffer from a hellish afterlife and how tiny Tim would die without his help. And I think that the final convention of the gothic which is present in the story is the idea of Scrooge’ heroine in distress, this creates even more tension into the story. In the novella, many different themes are used , for example, coldness and darkness in the first chapter, then once the ghost of Christmas past arrives and takes scrooge to places like Fizziwigg’s home, a theme of happiness is placed to calm the audience and allow their minds to escape from total darkness and to lighten up the story, this method is also commonly used in many gothic stories, basically something scary happens and the audience experience a very intense atmosphere, this intensity is then relieved from the audience by the next scene being a bit brighter or happier. After the Fizziwigg party, the atmosphere becomes saddened and brings the audience back the gloom of the story. And after that the main themes involved in the upcoming chapters happiness with the kind hearted ghost of Christmas present, misery and happiness with Scrooge’s life before and after him changing into a business obsessed old man, life and death with Tiny Tim, darkness with the ghost of Christmas future and not to mention redemption with involving Scrooge and the Ghosts, and finishes the story off with a happy ending with the much kinder Ebenezer Scrooge. The happy theme at the end of the novella also makes the story more suitable for children as most children stories include happy endings. A Christmas Carol has changed its audience since the story was published, it was initially written for the rich, and to be specific adults, but over time it has been slowly transformed into something many children will be interested in watching, a family classic which is usually enjoyed many Christmas’. During this time, the characters have been changed to suit the audience and to allow them to appeal to a children as well as adults, for example, the ghosts have become less gothic, like the ghost of Christmas future and other characters in comparison to the first book or film. My opinion about the audience for a Christmas carol is that it was initially targeted at families; I think this mainly because children would love to have a gothic twist to their Christmas classic and not completely a children’s movie so the adults can enjoy it too. To conclude to my essay I personally think that the book was initially written to be suitable for all ages, it is more of a family story, especially considering at the time that all age groups loved gothic stories, both children and adults, making it enjoyable for them both. But at the same time some scenes of the novella may be unsuitable for younger children, especially the scene involving the ghost of Christmas past. Choose either one of the last two.

Wild Style Free Essay Example, 1000 words

From the mix, it is difficult to tell them apart because they have identified with the style of music (Canby). Music heals wounds that are in the heart that cannot be reached by medicine, emotional wounds. Our character Zoro has had a tough bringing up especially with the state at which the Bronx was at that time. The lessons he learned were only to care about him, a tactic of survival. Steven Isserlis (2013) talks about the tremendous power that music has over us and how it can make one let go of their troubles and just be in the bliss. Zoro’s reversal of thoughts about self-loving is reversed when he is doing his paintings at music, Hip hop, festival. This can only be attributed to his journey and also the influence of the music that was around him. Hip hop is not a smooth sort of music but it is exciting, but it has unique beats and rhymes that cannot be forgotten. The entity of these items created a magnet, and it made the character remember himself as a part of the commu nity. The film Wild Style ends on a high note with Zoro having thrown party hosting performers of their trade. We will write a custom essay sample on Wild Style or any topic specifically for you Only $17.96 $11.86/pageorder now The reason that music cannot be compared to other forms of cultural practices is that it last time. Compositions that are centuries old are still famous today because the genius of music cannot be replicated even after a long time (Mussadaq). Such music is not modified because modification destroyed the originality making it just like any other today. Passion is a Contributing Factor to Realization of Goals The force that drives a person towards an object, goal or anything that they feel they desire with a lot of will against odds that have ruined hopes of many is the force of passion (Haden). Zoro had a passion for his drawing graffiti, and that kept him going on and on. He could not divulge his true self to the public without jeopardizing his life or his play space. It is that purpose and passion are entwined. The attainment of love gives one purpose of living and with purpose; the abundance of prosperity comes quickly (Mesiti 10). In all major projects, the team leader is always someone with a great passion for the project, subject or leading. Rose in the film had a gang of artists who followed her because of her passion and leadership qualities. Her being a woman did not hinder from achieving her goals. She would go into the subway to complete the artistic images that were her goal. In the film, Rose is depicted as a proud leader of her group. They always follow her as their leade r into doing graffiti activities even those places that were feared.