Ameritrade’s Cost of Capital Essay

Official Summary After cautious examination of Ameritrade and similar organizations, I have assessed a 14.784% expense of capital that ought to be utilized to assess Ameritrade’s up and coming interests in innovation and publicizing. In the wake of breaking down the chronicled return on Ameritrade’s ventures, I have inferred that if the firm deals with this task in any event just as its past speculations, the arrival on the proposed undertaking will surpass the expense of capital bringing about a positive NPV venture. In view of the evaluated cost of capital, comparative with the company’s verifiable rates of profitability, I suggest that Ameritrade attempts this venture. I accept that the assessed cost of capital is suitable on the grounds that it is halfway founded on a lot of organizations where the principle wellspring of income is like that of Ameritrade, profound rebate business organizations. Furthermore, the nature of the undertaking is to build the client base of Ameritrade, a regular and model endeavor for a profound markdown financier firm. Since Ameritrade has constrained information because of its ongoing IPO, I will utilize the similar information of Waterhouse Investors, Quick and Reilly Group Incorporated, and Charles Schwab Corporation to assess Ameritrade’s turned beta utilizing a base up approach. I will utilize these comparables in light of the fact that they are completely described as profound markdown financier firms with comparative wellsprings of income. I utilized information from 1992-1996 in light of the fact that as far as I can tell, I have discovered that five years of information gives a sensible and exact proportion of data. It ought to be noticed that I reliably utilized a similar measure of information from five schedule a long time for all of Ameritrade’s comparables. The key partners including this choice are the executives and those giving the capital, both obligation and value, for this new endeavor. For these partners, need lies in the arrival of the speculation, the achievement of the organization, and the capacity to meet the monetary commitments of the firm. These needs can be best anticipated with my gave estimation of the expense of capital comparable to the company’s recorded degree of profitability. Market Overview As Ameritrade keeps on developing and make interests in ventures, it is imperative to understand the impact the market has on the financier. One thing I need to underline is the immediate relationship between's the profound markdown financier showcase and the securities exchange. While the S&P 500 during the most recent two years (1995 and 1996) have had returns of 34.11% and 20.26% individually, it is anything but difficult to be hopeful about the soundness of the economy and the presentation of the organization. On account of a financial downturn, Ameritrade ought to be prepared for a lessening in shopper action and ought to think about enhancement. Maybe taking on different sorts of exercises, for example, venture banking jobs like mergers, acquisitions, and security underwritings would likewise be insightful. This would enhance away a portion of the hazard engaged with carefully profound rebate merchants. Ameritrade ought to likewise be principled of the very value touchy nat ure of its purchasers while assessing this venture. My determined expense of capital is dependent upon an assortment of components influenced by the vulnerability of things to come. For example, it is possible that the company’s beta will change after some time because of the dynamic attributes of the market and the economy. What's more, partners could change their solace with respect to the level of hazard avoidance, which would influence the market chance premium. So as to relieve the hazard, Ameritrade could put a top notch cost of capital on my assessed cost of capital while limiting future incomes. This would alleviate the danger of future incomes that are excessively idealistic in conceivably cruel financial occasions. I accept this would be a suitable method to assist partners with feeling progressively good with ventures, particularly speculations as extensive as this promoting and innovation venture. So as to assess the expense of capital of Ameritrade, I needed to decide standard parameters, for example, beta, from tantamount organizations in view of Ameritrade’s late IPO and ensuing short reputation of execution. I had the option to get practically identical companies’ betas by method of running a relapse on the profits of the organizations corresponding to the arrival available, or the S&P 500. By applying Ameritrade’s capital structure to the equivalent companies’ unlevered beta, I had the option to surmised the beta of Ameritrade. I was in this manner ready to assess the expense of value expecting a similar capital structure before the forthcoming venture with the Capital Asset Pricing Model (CAPM). I utilized CAPM to discover the expense of value for this specific task, not to assess the potential change all the while. The capital resource valuing model can be utilized in assessment of the expense of capital since it mirrors the award for delaying utilization, the overall measure of precise hazard, and the prize in the market for bearing methodical hazard. In this way I can appraise the expense of capital utilizing the genuine orderly hazard. I accept that later on, a capital structure comprising of more obligation may bring down the weighted normal expense of capital and keep a bigger extent of the advantages of the task to the present partners, while re membering that Ameritrade ought to swear off assuming a lot of obligation thinking about its affectability to the market. I utilized three tantamount organizations to appraise Ameritrade’s cost of capital: Waterhouse Investors, Quick and Reilly Group Incorporated, and Charles Schwab Corporation. These profound rebate business firms, alongside Ameritrade, source the majority of their incomes through exchanges and net intrigue. Circumstance Overview The WACC is an estimation of the hazard of the firm all in all and can be applied to standard organization ventures. Ameritrade has been first movers on presenting highlights, for example, a computerized telephone exchanging administration and a web based exchanging stage the profound markdown financier showcase. Both of these speculations are described by considerable interests in innovation, similar to the proposed venture. In view of this, I think about the expressed undertaking as a run of the mill task of the firm, yielding a normal hazard equivalent to that of Ameritrade’s nature. In this manner, I find that assessing the expressed venture with WACC as an obstacle pace of whether to attempt the task is right. One of the parameters that largy affects WACC is the capital structure applied in the figurings. In my counts of the WACC of 14.783%, I accepted an obligation to value proportion of 0.261. I put together this with respect to the accounting report numbers you furnish ed me with for the two accessible years; it is a weighted? normal of the two years of information. When looking to the market comparables Quick and Reilly Group Incorporated and Charles Schwab Corporation, one can see that the obligation to value proportion of Ameritrade is an industry standard. I chose to discard Waterhouse Investors for this examination in view of their atypical capital structure. In the calculationâ of the WACC, obligation has the bit of leeway that it brings a duty shield since enthusiasm on obligation is charge deductible. Subsequently assuming more obligation comparative with value can be gainful in a specific way where, cost of potential money related trouble for undertaking that additional obligation is not exactly the estimation of the premium assessment shield. Moreover, assuming an excessive amount of obligation conveys the danger of significant FICO score organizations downsizing the organization, where in the long run, obligation turns out to be too exorbitant on the grounds that the expense of potential money related trouble is more prominent than the estimation of the premium assessment shield. In this manner, the administration in the assessment of the venture must have a reasonable spotlight on which capital structure is the ideal for Ameri trade later on. Underneath I have done an affectability investigation of the WACC that ought to be applied in the assessment of the venture comparable to the capital structure. D% †E% 10/90 20/80 30/70 40/60 WACC 14.54% 14.32% 14.11% 13.89% In view of these estimations, I would suggest that administration investigate the ideal capital structure after the proposed venture. While remembering the hindrances of assuming an excess of obligation, I would suggest a higher, however steady, obligation to value proportion. I discovered Ameritrade’s after-charge cost of obligation to be 7.28%. To discover Ameritrade’s after-charge cost of obligation, I gathered the FICO assessment of Ameritrade’s exceptional obligation through Standard and Poor’s FICO score organization. Ameritrade’s obligation is as of now appraised at B+. The default spread on B+ corporate obligation is recorded at 5.01 on 10-year obligation commitments. To discover the expense of obligation you add this number to the hazard free rate, which as of August 1997 is 6.69%, and increase that number by 1 deducted by the corporate duty pace of Ameritrade. The corporate expense pace of Ameritrade I saw as 37.7%, by averaging Ameritrade’s charge ratesâ over the two accessible years. It ought to be noticed that the default-spread rate applied in my computations are anticipated rates, not current rates (2014). The hazard free pace of applied all through my counts is the annualized respect development of a 20-year government T-security has and has a yield of 6.69%. I have decided to utilize this since I consider the proposed speculation venture a drawn out speculation. While picking the hazard free rate, there can be no vulnerability about reinvestment rates in the counts, implying that one should utilize a zero-coupon security with a similar development as the venture. The Market chance premium is characterized as the distinction between the normal profit for the market portfolio and the hazard free rate; at the end of the day, the remuneration chance unfavorable financial specialists need to get so as to put resources into the ma rket portfolio. I determined the present market hazard premium by

Bless Me Ultima is a novel by Rudolfo Anaya Essay Example For Students

Favor Me Ultima is a novel by Rudolfo Anaya Essay Youngsters accept what their folks let them know yet as they get more established they begin to scrutinize what used to be verifiable. Favor Me, Ultima is a novel by Rudolfo Anaya about a youthful Chicano kid, Antonio Juan Marez y Luna, who is growing up and seeing the world for how unfeeling it truly is. An insightful old curandera, or confidence healer, Ultima, shows up not long before Tony gets his first look into the universe of men. Ultima gives Tony otherworldly mending all through the book, just as exhortation to keep him in agreement with nature and his soul. The more Tony sees of death in the little town of Guadalupe, New Mexico, the more he addresses the Christian God and turns towards the brilliant carp, an agnostic lord of the waterway. Rudolfo Anaya is showing that each man must pick his own religion and predetermination, by portraying the progressions Tony feels after the passings of Lupito, Narciso and Florence. In advance, Tony never scrutinized his confidence however as every individual passed on Tony dismissed more remote and more remote from Catholicism and in the end even away from the agnostic religion. Tony scrutinized his predetermination and viability as a cleric, had questions of the Catholic God and in the end of all that he had ever put stock in, as Anaya shows that one severe religion isn t consistently the correct way or the main way. The initial phase in Tony s otherworldly excursion is the point at which he addresses his family s long-standing confidence in the Catholic religion and his own fate to follow their fantasies of him turning into a cleric. Tony questions his capacities as a minister, despite the fact that he isn't one, since his mom dreams for him to turn into a cleric. In this manner, he accepts that he ought to have had the option to spare Lupito s soul from meandering the stream, since he will one day be required to. While, A minister could have spared Lupito. (23), Tony feels regretful that he wasn t ready to satisfy his obligation despite the fact that it wasn t his. This shows the predetermination from the start spread out by Catholicism may not be the one that is most appropriate to Tony. By not sparing Lupito or his spirit, the town Tony lives in is not, at this point unadulterated in his eyes. The stream is the life saver of the town and once it is recolored then the town will likewise be corrupted with the homicide of Lupito. Tony asks, How might I ever wash away the stain of blood from the sweet waters of my waterway! (23), and in doing so additionally questions why God places such deterrents in the ways of guiltless individuals. The Catholic God, it appears, is coldblooded and not as flawless as potentially accepted. By growing up and turning into a man, young men witness demonstrations of wrongdoing and submit a couple of acts themselves. Tony has seen sin however he isn't a man since he has not submitted any transgressions or seen enough to truly comprehend the world he is living in. Tony is instructed that, It was wrong to grow up and take care of business. 31), by tuning in to his mom, and understands that one day he would be grown up and lose his blamelessness to turn into a man. On account of this Tony perceives how brutal God can be by putting young men on earth to grow up and become men. Tony asks whether his fate and confidence are the ones he needs to have faith in and starts his excursion towards changing his profound convictions, and the brilliant carp just strengthens these questions that Tony is simply starting to figure it out. The following stage in Tony s otherworldly excursion starts when Tony sees another god and miracles whether this god is any kinder to his kin than God. .u65f6f39567d02374a63307d7a3135b8d , .u65f6f39567d02374a63307d7a3135b8d .postImageUrl , .u65f6f39567d02374a63307d7a3135b8d .focused content territory { min-tallness: 80px; position: relative; } .u65f6f39567d02374a63307d7a3135b8d , .u65f6f39567d02374a63307d7a3135b8d:hover , .u65f6f39567d02374a63307d7a3135b8d:visited , .u65f6f39567d02374a63307d7a3135b8d:active { border:0!important; } .u65f6f39567d02374a63307d7a3135b8d .clearfix:after { content: ; show: table; clear: both; } .u65f6f39567d02374a63307d7a3135b8d { show: square; progress: foundation shading 250ms; webkit-change: foundation shading 250ms; width: 100%; murkiness: 1; progress: obscurity 250ms; webkit-progress: haziness 250ms; foundation shading: #95A5A6; } .u65f6f39567d02374a63307d7a3135b8d:active , .u65f6f39567d02374a63307d7a3135b8d:hover { darkness: 1; change: mistiness 250ms; webkit-change: haziness 250ms; foundation shading: #2C3E50; } .u65f6f39567d02374a63307d7a3135b8d .focused content zone { width: 100%; position: relati ve; } .u65f6f39567d02374a63307d7a3135b8d .ctaText { outskirt base: 0 strong #fff; shading: #2980B9; text dimension: 16px; textual style weight: striking; edge: 0; cushioning: 0; content enrichment: underline; } .u65f6f39567d02374a63307d7a3135b8d .postTitle { shading: #FFFFFF; text dimension: 16px; textual style weight: 600; edge: 0; cushioning: 0; width: 100%; } .u65f6f39567d02374a63307d7a3135b8d .ctaButton { foundation shading: #7F8C8D!important; shading: #2980B9; fringe: none; fringe span: 3px; box-shadow: none; text dimension: 14px; textual style weight: intense; line-stature: 26px; moz-fringe range: 3px; content adjust: focus; content adornment: none; content shadow: none; width: 80px; min-tallness: 80px; foundation: url(https://artscolumbia.org/wp-content/modules/intelly-related-posts/resources/pictures/straightforward arrow.png)no-rehash; position: supreme; right: 0; top: 0; } .u65f6f39567d02374a63307d7a3135b8d:hover .ctaButton { foundation shading: #34495E!important; } .u65f6 f39567d02374a63307d7a3135b8d .focused content { show: table; stature: 80px; cushioning left: 18px; top: 0; } .u65f6f39567d02374a63307d7a3135b8d-content { show: table-cell; edge: 0; cushioning: 0; cushioning right: 108px; position: relative; vertical-adjust: center; width: 100%; } .u65f6f39567d02374a63307d7a3135b8d:after { content: ; show: square; clear: both; } READ: Atlanta Exposition By Washington EssayTony accepted that God ought to have pardoned Narciso for his wrongdoings and not Tenorio in light of the fact that Tony was inclined toward Narciso. God isn't halfway and when he offers absolution to exclusive he should likewise offer it to another, yet Tony doesn't care for this. God s reaction was I will†¦if you additionally request that I pardon Tenorio. (173) Tony would t be able to accept that his God would consider pardoning an abhorrent man like Tenorio. Once Narciso bites the dust and Tony sees the magnificence of the brilliant carp Tony begins to ponder considerably m ore whether God is truly as acceptable and great as Tony has been trained he seems to be. Tony begins to uncertainty and question the God that before had been obvious, indicating that perhaps what is first accepted isn t in every case right. Tony has †¦doubted the Lord! (174) in light of the fact that he begins to believe that possibly the brilliant carp is a superior god. Tony begins to consider the to be carp as another god, and an approach to carry goodness to the individuals by sparkling its light upon the earth. The sun is an image of God in light of the fact that the sun carries life and bliss to everything and can likewise be brutal and cruel. When there is another sun, there is another god that will sparkle a light upon the individuals and ideally illuminate them to what they re fouling up, yet it will likewise carry with it new mercilessness s that Tony doesn't anticipate. With another sun to sparkle its great light upon another earth. (176) comes a closure and a fresh start for Tony to show that everything must reach a conclusion, even convictions. As Tony is shocked by the passing of Narciso he questions whether God exists and in doing so questions whether his convictions of God have ever been defended. Tony s last otherworldly advance makes them question whether there truly is a God in light of the fact that the religions he knows appear to be founded on divine beings who wear t answer. Tony s confidence is being devastated by the acknowledgment that the old divine beings and their religions are biting the dust. God and the brilliant carp are both old divine beings and when they are gone Tony has nothing left to have faith in on the grounds that there will be no god. In Tony s dream, he trusts The old divine beings are dying†¦ (244) in light of the fact that he sees Cico execute the brilliant carp, while, all things considered, Cico resembled an evangelist of the brilliant carp. The passing of the divine beings affirms the possibility that religions go back and forth and in this way no religion is correct. Additionally, on the off chance that there is no God in paradise to hold up under Tony s trouble, at that point Tony must bear it himself and he can't live with the idea of what men do. Men, while frail and immaterial, make such a significant number of issues that they would t be able to unravel and, as Tony, they need a God to help shoulder the weight. On the off chance that there is †¦ no God in paradise to endure my burden†¦ (243) at that point Tony must bear the heaviness of the towns sins on his shoulders. Subsequently any religion that would put such weight on one individual would t be able to be the correct religion. Tony once put stock in the forces of God and he at that point discovered that God didn't generally pardon and he could be savage and mean. Narciso s passing indicated Tony that God couldn't pardon since then he would need to excuse everybody and Tony couldn't acknowledge that. In the wake of seeing the brilliant carp Tony put stock in the carp as a potential god, yet Florence s suffocating in the home of that god broke that ideal vision. The brilliant carp ought to have had the option to spare Florence, yet he didn t, so Tony no longer could put stock in the brilliant carp as a brilliant illustration of a divine being. The decimation of Tony s confidence in those religions brought about him admitting, Everything I had confidence in was wrecked. (244). Anaya shows that no religion is impeccable in the decimation of all of Tony s beliefs. There is nothing left that Tony has faith in so he sees that he should trust in the enchantment and intensity of Ultima, since it has consistently been consistent with him. .u20184b3f7ada09f01c8b8e721b2cce66 , .u20184b3f7ada09f01c8b8e721b2cce66 .postImageUrl , .u20184b3f7ada09f01c8b8e721b2cce66 .focused content region { min-stature: 80px; position: relative; } .u20184b3f7ada09f01c8b8e721b2cce66 , .u20184b3f7ada09f01c8b8e721b2cce66:hover , .u20184b3f7ada09f01c8b8e721b2cce66:visited , .u20184b3f7ada09f01c8b8e721b2cce66:active { border:0!important; } .u20184b3f7ada09f01c8b8e721b2cce66 .clearfix:after { content: ; show: table; clear: both; } .u20184b3f7ada09f01c8b8e721b2cce66 { show: square; change: ba

Jackie Robinsons life, struggles and overcoming adversity free essay sample

Jackie Robinson: Overcoming Adversity Jackie Robinson, the principal African-American in Baseball, changed the substance of American games for eternity. In addition to the fact that he was an extraordinary competitor, however with the assistance of Branch Rocky, proprietor of Brooklyn Dodgers, they worked for changes in the games network. April 15, 1947 is the day that one of the most significant occasions in American history took place.On that day, Jackie Robinson made the last stride in making the greatest discovery in sports history, it was the day assaulted Robinson played his first Major League Baseball match-up, which as additionally the primary round of any sort in composed games wherein a white man imparted the field to an African-American. Jackie Robinson was conceived on January 31 , 1 919 in Cairo, Georgia, in the core of the isolated south, the grandson of a slave and the child of a sharecrop farmer.Robinson s father deserted the family when Jackie was a newborn child, and constrained his mom and four more established kin to join the incredible relocation of the time, and move to California(Textile,1). We will compose a custom paper test on Jackie Robinsons life, battles and beating difficulty or then again any comparable theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page After graduating secondary school, Jackie went to UCLA, where he kept up a straight A normal, while playing 4 sports(baseball, ball, weirdo, and track) and procuring a decent measure of varsity letters. With the flare-up of World War II, Jackie was drafted and appointed to Fort Riley, Kansas where he confronted racial separation on an every day basis.In The Jackie Robinson Reader by Jules Textile he expresses that He was banned from Officers Candidate School, obstructed from playing on the camp baseball crew, and limited to isolated offices. Robinson, be that as it may, applied the two his forcefulness and big name to request better treatment. He rose to the position of lieutenant and pursued a battle to improve conditions for dark warriors at Fort Riley.After is move to Fort Hood in Texas, Robinson would not move to the rear of a military transport and challenged the officials who endeavored to train him, bringing about a court military that have prompted shameful He was later vindicated of these charges however this scene escalated Robinsons responsibility to racial equity. He generally defended himself and what he trusted it, in any event, when society was disclosing to him in any case. Who might of figured this man would change American games and society forever?In the spring of 1 945 Robinson chose to join the Kansas City Monarchs in the Negro Leagues, despite the fact that he thought of it as a stage down ether than a stage up. During this time, Branch Rickety, proprietor of the Brooklyn Dodgers, had chosen to carr y blacks into the significant groups and allocated his top scouts to assess the Negro League. Robinson immediately increased a great deal of regard for his aptitude and the manner in which he played the game, and was held in high respects by the scouts. This earned him a challenge to Branch Rockerys office.Times Great People of the twentieth Century portray this occasion in detail. Assume they toss at your head? Weak requested, Suppose a white player jeers, escape my direction you filthy dark jerk. What do you do at that point? Would you be able to leave IM? Robinson looked baffled. Mr.. Feeble, would you say you are searching for a Negro who is reluctant to retaliate? Despite what might be expected, Im searching for a ballplayer with guts enough not to retaliate. Theyll insult you, prod you, anything to make you battle. Anything to achieve a race revolt in the ballpark.If they succeed, theyll have the option to demonstrate that having a Negro in baseball dosages t 04). In Heroes Icons by Henry Aaron, he offers the importance of this occasion. At the point when Branch Rickety initially met with Jackie about joining the Dodgers, he disclosed to him that for a long time he WOUld need to choose not to retaliate and quietly endure all the contemptible clues that would come his direction. Trust me, it was t Jackasss nature to do that. He was a contender, the proudest and most serious individual Ive ever Robinson immediately concurred, knowing the size of the test that was anticipating him. Robinson later portrayed the hardest errand of his vocation was figuring out how to vanquish and control himself(Time, 104). Thusly, he opened the entryway for future African-Americans to play sorted out games and now the greater part of all competitors in major and elite athletics are African-Americans. Jackie Robinson has affected the lives of numerous individuals confronting difficulty. He has been a motivation to numerous over the world. Jackie Robinson everlastingly changed the scene of American games by breaking the shading boundary.

Should Income Matter When Choosing a Partner

Should Income Matter When Choosing a Partner Should Income Matter When Choosing a Partner? Should Income Matter When Choosing a Partner?Factoring in a potential partners income might feel shallow, but its one of many financial factors you should be taking into considerationâ€"even if its not the most important one.When it comes to dating, everybody has their dealbreakers, like people who chew too loud or folks who are rude to waitstaff. But what about income? Is that something you factor in when deciding whether or not someone can be a long-term romantic partnerâ€"or maybe even the fabled “one?”There are lots of folks who would balk at the idea of factoring in income when determining a partner. And not without good reason. It would mean they’re shallow, right? Well, not necessarily.While we’re not saying that you should set a hard line on how much a potential partner has to earn, income is certainly one factor out of many that are fine for a person to consider. But even more important than income is what a person does with the money they earnâ€"whether it’s a lit tle or a lot. Love, marriage, and money are all complicated.  If the idea of taking money into account at all when deciding on a future partner makes your teeth itch, we’ve got some news for you: Money is going to be an issue in your relationship whether you want it to be or not.“Figuring out who you want to spend your life with is a multi-faceted decision,” said marriage and family therapist Jill Whitney. “Despite what you see in Disney movies and romcoms, it takes more than love to make a solid, long-term relationship.“Love, caring, and attraction definitely matter, but theyre not enough. You also need common values and life goalsâ€"and compatibility about money.”Even if you don’t want to factor in a person’s income, you should definitely think about whether you two are money-compatible. After all, spending your life together means making all kinds of financial decisions, both large and small, together as well.“Marriage is as much a business relationship as it is a romantic relationship. Far too many people dont realize this, or they forget about it in the thrill of romantic attraction,” said writer and sociologist BJ Gallagher (@BJ_Gallagher). She went on to provide numerous examples of the kinds of money decisions that you and your partner will have to make:“Marriage involves paying for living expenses, saving for retirement, the huge expense of raising children if the couple plans to have them, home ownership, insurance, inheritances, and handling financial emergencies when they occur. Student loans are often involved. Eldercare responsibilities later in life. There are dozens of financial aspects to a marriage or long-term living together arrangement.”“You absolutely want to have some sense of your partners earning potential, based on his or her career,” she cautioned. “Your own financial future is going to be intertwined with this other person so if youre smart, youll pay attention not just to their current income but the l ikelihood of their future income as well. Your own financial well-being depends on it.”Planning for the future means being able to factor in future earnings. If your plans and your partner’s income don’t match, that’s something you’ll have to discuss. It’s not a dealbreaker, but some deal amendments might certainly be in order.Everyone has a relationship with money.Unless you’re a hermit who lives in the woods (which you probably aren’t because then how would be reading this), money plays a big role in your life. You have a relationship with it, the same way that you have a relationship with your partnerâ€"and the same holds true for them.These relationships will impact each other. And if you choose to ignore them, the odds are good that the impact will be negative.“Sadly, income and finances are the biggest reasons couples fight or even break up, so discussing finances is such an important conversation,” said Denise Nostrom ChFC, CLU; Founder and Owner of Divers ified Financial Solutions  (@diversifiedfinancialsolutions) in Medford, NY. “It happens to be one of those taboo topics that we tend to not talk about, but not talking about it before committing to someone for the long term is a big mistake.”“Take some time to think about your own financial style and your partners,” Whitney counseled. “What does money mean to each of you? To what extent is money for security, fun, status, or indulgence? Whats worth spending money on and whats less important? How much of a financial cushion would make each of you feel comfortable?“How would each of you prioritize spending optionsâ€"say, having money for nice vacations versus having a larger house? How would you dial back expenses if one of you lost a job or if your investments took a hit?”Earnings aside, how much do they spend?  â€œAs I like to tell clients who are considering getting married, this person could ruin your credit rating,” said Whitney. “A spouse who spends more than t he two of you can afford can undermine an otherwise strong relationship. Even if the two of you are high earners, its possible to spend more than you make.“At best thats stressful, and at worst it can lead to financial ruin. If you earn more ordinary incomes, overspending is likely to lead to lots of conflict and heartache. On the other hand, a partner who never wants to spend at all might make you feel constricted and resentful.The one thing you shouldn’t do is look at income as the only factor to considerâ€"or even the most important financial factor. As Whitney cautioned, even people with high incomes can run their finances into the ground if they spend beyond their means.“I dont think income matters as much as having compatible habits and goals,” said certified financial educator Maggie Germano (@MaggieGermano). Even folks who make lots of money can have conflicts if the money isnt going towards things that they agree on. Its important to be aligned with your partner abo ut what you will be spending money on or saving for.Whitney offered a similar perspective: “A potential partners financial style is more important than their earnings. High earnings are great, but whats more important is how the person balances spending and saving.”You can’t act without solid information.  Neither you nor your partner is psychic. This means that you’re going to have to talk to them about money stuff. And it’s going to mean spilling some cold, hard numbers as well.As early as you can, see what this persons relationship is to money,” advised Nathalie Noisette, owner of Credit Conversion (@credconversion). “Find out what their credit score is, how much debt they have, what are their spending habits, and how much they know about managing money. Once you get married you are now assuming this as your own.Once you’ve got a good sense of how your partner handles money, you can set about determining your next steps. Maybe they’re great with money and you do n’t have to do much else! Maybe they’re … not.“If habit or credit is less than great, are they willing to do something about it?” said Noisette. “Get real with yourself. Are you willing to pay higher interest rates till death do you part if your partners credit is not good?“Having financial struggles can largely impact your life. Sure, there are things that are outside of your control (natural disasters and declining health), but the factors that are within your power should be known before you say ‘I do.’”According to the Noisette, the bottom line here is to “get in the know.”Do they have a budget? What about financial goals?  Two great ways to figure out a person’s relationship with money beyond just their income is to answer these two questions: Do they have a budget, and what are their long-term financial goals?“You really need to know how your partner feels about money and if they have a budget,” said Nostrom.  Her recommended follow-up questions i nclude:“Do they know what they spend each month or do they just spend everything they earn and yearn for their next paycheck?“Do they have any money in savings or do they live paycheck to paycheck?“Are they ‘paying themselves first’ and putting money away each month into a savings account or into some type of investment vehicle?“Do they participate in their company retirement plan like a 401K plan?”“You may also want to talk to them about their financial goals to see if they are similar to your own financial goals,” she added. If your goals are very different, this may not be a good sign for future success as a couple.”If this sounds like a lot, well, that’s because it is. This conversation isn’t worth having even though it’s hard; it’s worth having because it’s hard.“For many people, this is an overwhelming conversation, so you may want to consider meeting with an objective third party, like a financial advisor,” said Nostrom. “This may be a good first step and definitely worth your time to make sure that you know the finances of the person you may be spending the rest of your life with.“It is better to know the situation, good or bad, to make sure you are going into a long term commitment with your eyes wide open.”Consider dividing up your living expenses.Florida attorney Miguel A. Suro, who also blogs about lifestyle and personal finance topics at RichMiser.com (@therichmiser), had some great advice to help partners with different incomes levels decide whether to bridge the gap or go their separate ways:“If you are accustomed to or expect an expensive lifestyle. If your partner’s lower income will make that lifestyle unattainable, be very sure that you are fine with that,” he said.“If there is a large income disparity between partners (and you are the higher-income partner), be sure that you will be happy making the biggest contribution to your household’s finances. Financially supporting a partner against y our wishes can be a major source of tension and resentment in a relationship.“Conversely,” added Suro, “if you are the lower-income partner, be sure that you can accept that you will contribute less to household finances.”“Talk to your partner about how youd divide living expenses. Early in a relationship, its reasonable for each person to pay half. But in a long-term relationship, especially a marriage, youre in this together and you need to be equal partners, even if your incomes are different.“In sum,” he concluded, “running a household is very hard, and fighting over money can lead to an unraveling relationship. So, talk it over extensively before marriage or cohabitation, and make very sure that you’re both on the same page before making a deeper commitment”Using joint and separate accounts could help.Whitney recommended using joint and separate bank accounts to help couples navigate between shared financial responsibilities and their own financial independe nce:“I often suggest that couples have a joint account for most expenses, like mortgage and utilities, and also smaller, separate accounts for personal expenses like clothes, gifts for each other, and hobbies,” she said.“Each partner should have the same monthly amount in their personal account regardless of earnings because youre equal partners. This approach lets you work as a team for most things but also gives you the ability to make individual spending choices.”Dont forget to factor in their debt.Don’t let a focus on your partner’s income blind you to other important financial factors: Namely, how much debt they owe. Bringing home a larger income while carrying an even larger debt load is something you’ll need to figure out“Another thing to be aware of is the debt that your partner has, and you should be honest about your own,” said Germano. “Debt can significantly impact the decisions youre able to make in your life, so youll want to be fully informed.ӠœIf a partner will bring debt into a marriage, I think it’s ‘cleaner’ if that partner’s income is sufficient to repay that debt,” recommended Suro. “Although it’s possible for one partner to pay the other’s debt, make sure that both of you are fine with that and that it will not cause resentments.”Make sure you two talk about the future.If you and your partner plan on spending the rest of your life together, you two would do well to talk about the kinds of financial decisions that will occur further on down the lineâ€"especially potential scenarios that might take you by surprise.“Its essential to talk about possible future scenarios that would affect your financial life, said Whitney. “If you plan to have children, would one of you quit your outside job, switch to part-time, or move to a more flexible but less lucrative career?”“Which of you would make the change? How would you adjust to the decreased income? Do you plan to retire early, on time, or late? What if one person wanted to retire early but that meant a significant change in lifestyle?”Suro also noted that deciding whether or not to have kids can have huge financial ramifications, the kinds that are best discussed ahead of time:“Having children oftentimes will mean that one partner will have to switch to part-time work, or that you may need to hire paid help. Therefore, consider if that will be your situation, and whether your combined incomes would allow for it.”Remember, this is just the beginning.Talking to your partner about money issues and your mutual incomes is great. But it’s not like a single conversation is going to solve this issue forever. You two have a lifetime of communicating with one another to look forward too.“Have money conversations early on in your relationship to make sure your visions align. But having the conversation once doesnt mean you are done, said Germano. “Its something that should be discussed regularly, especially if your financ ial situation is changing in any way. Schedule a weekly ‘money date’ with your partner to make sure both people are informed and feeling good about your money.“Ascertaining your future partner’s earning potential is a good start, but its just a start,” advised Gallagher. “You want to have conversations with the other person about their attitudes about money, about their views on consumer debt, about their spending habits and their savings habits, about their level of generosity and sharing with others, and so much more.”To learn more about managing your finances, check out these related posts and articles from OppLoans:The (Comprehensive) Couple’s Guide To Budgeting8 Good Habits to Get Your Financesâ€"and Your Lifeâ€"on TrackFrom Budget to Baller: 6 Tips to Grow Your Money8 Ways To Save Money Today, Tomorrow and Every Day AfterHow do you handle money issues with your partner?  We want to hear from you! You can find us  on  Facebook  and  Twitter.  |  InstagramContrib utorsBJ Gallagher (@BJ_Gallagher) is a  sociologist and the author of numerous business books, womens books, self-help, and inspirational gift books. Her titles include: Why Dont I Do the Things I Know Are Good for Me? (Berkley), The Power of Positive Doing (Simple Truths), and Its Never Too Late To Be What You Might Have Been (Viva Editions). Her newest book, Your Life Is Your Prayer (Mango Publishing) will be out in April 2019.Maggie Germano  (@MaggieGermano) is a Certified Financial Education Instructor and financial coach for women. Her mission is to give women the support and tools that they need to take control of their money, break the taboo of discussing debt and income, and achieve their goals and dreams. She does this through one-on-one financial coaching, monthly Money Circle  gatherings, her weekly  Money Monday  newsletter, and speaking engagements. To learn more, or to schedule a free discovery call, visit  MaggieGermano.com.Nathalie Noisette is the Founder of  Credit Conversion (@credconversion), a credit counseling, and repair company located in Avon, MA. Credit Conversion uses principles of behavioral change to not only allow clients to improve their score but understand the habits that lend to poor credit. “Through our repair and training, it is our vision to see all of our clients repair and maintain near perfect credit scores.”Denise Nostrom ChF CLU  is Founder and Owner of  Diversified Financial Solutions  (@diversifiedfinancialsolutions) in Medford, NY.   Denise’s philosophy is that with time, discipline, and determination you can reach your financial goals and dreams. She is also the Founder and President of a not-for-profit organization, POWER of Women Exchanging Resources, Inc. Denise’s goal with her organization is to raise women up to become more successful in their lives, in and out of the business world.Miguel A. Suro is a Florida attorney and personal finance and lifestyle blogger at  The Rich Miser (@therichmiser), which he runs with his wife Lily Rodriguez. With a tone that is both realistic and aspirational, The Rich Miser is aimed at those who want to elevate their lifestyle while building wealth and spending far less than they thought possible. The Rich Miser  has been featured on major outlets such as MarketWatch, Consumer Reports, and NBC.Jill Whitney is a licensed marriage and family therapist based in Connecticut. She does therapy with couples and individuals and writes about relationships, parenting, and sexuality at KeepTheTalkGoing.com.

Example of Written Reflections in Nursing

Medical Ethics Problem Solution Can Medical Specialists Test New Medicine on Prisoners? The case study raises one of the most important and unresolved social questions: Can medical specialists test new medicine on prisoners? This is one of the most important questions, since it reveals problems in the society, especially those regarding prisoners, and focuses on the idea that people do not take care of the dependent ones.

The Yellow Wallpaper, By Charlotte Perkins Gilman, And The...

In the late 19th century, women were not treated equally by men and they played a different role in society than what they do today. There are many stories that can help provide a glimpse of what life was like in the 1800s using a literary device known as realism. Realism is correctly portrayed in â€Å"The Yellow Wallpaper†, written by Charlotte Perkins Gilman, and â€Å"The Story of an Hour†, written by Kate Chopin, in which both depict real life situations and scenarios of what it was like to be a woman in the late 19th century. In both of these short stories, the women are depicted as being tied down by their husbands, with their thoughts and ideas being considered absurd by the men in their lives. Also, the authors use these stories to describe scenarios that they once found themselves in. The illnesses that the women faced during this time period were real but often downplayed by men who did not believe what the women said. While depression may have been diagnosed due to the birth of a baby, it could have also been due to their husbands. Both â€Å"The Yellow Wallpaper† and â€Å"The Story of an Hour† demonstrate realism through social themes that incorporate the idea of feminism, as well as the way in which women were treated as less than equal by men. The roles women acquire in society have changed drastically since the late 19th century, allowing them to have more opportunities in the workforce and politics. Women like the main characters in â€Å"The Yellow Wallpaper† and â€Å"The Story ofShow MoreRelated`` The Yellow Wallpaper `` By Charlotte Perkins Gilman And The Story Of The Hour917 Words   |  4 Pagescreate a theme in a short story. Most of the factors are the elements of fiction, which include plot, setting, characters, symbolism, conflict, and point of view. The two stories that will be compared in this essay are â€Å"The Yellow Wallpaper† by Charlotte Perkins Gilman and â€Å"The Story of the Ho ur† by Kate Chopin. The elements that especially contribute to creating a theme for these short stories are the characters, point of view, and plot. The characters of both stories play a main role in moldingRead MoreThe Story Of An Hour And Charlotte Perkins Gilman s The Yellow Wallpaper Essay1670 Words   |  7 PagesA Women’s Role in a Patriarchal Society During the 19th Century Kate Chopin’s The Story of an Hour and Charlotte Perkins Gilman’s The Yellow Wallpaper are two of the first works of feminist literature in the 19th century. They were written at a time when a woman’s lot was characterized by gender inequality, with few legal, social, or political rights. In the 19th century women were constant victims of society’s ideals, defined as physically and intellectually weaker than men. Fathers and husbandsRead MoreThe Story Of An Hour And Charlotte Perkins Gilman s The Yellow Wallpaper1422 Words   |  6 PagesIn Kate Chopin’s Story of an Hour and Charlotte Perkins Gilman’s The Yellow Wallpaper we see two marriages that are shaped by the hands of society at large and the husbands. Marriage in the upper classes in the late 1800s to the turn-of-the-century was primarily done to increase one party’s social standing, and as such divorce was generally severely frowned upon. Divorce, beginning at the wifeâ€℠¢s behest at least, was unprecedented until the latter half of the 1800s. Both marriages center on womenRead MoreAnalysis Of The Story Of An Hour And Charlotte Perkins Gilman s The Yellow Wallpaper908 Words   |  4 PagesKate Chopin’s â€Å"The Story of an Hour† and Charlotte Perkins Gilman’s â€Å"The Yellow Wallpaper† are two short stories that share similar themes and ideas. The authors’ use of point of view, symbolism, and imagery are different but still convey the same basic idea. Both stories cover the theme of marriage and share the idea that marriage is oppressive. The stories focus on two wives desperate to break from the control of their husbands. In â€Å"The Yellow Wallpaper† the woman’s husband is a doctor thereforeRead MoreComparing The Story of an Hour, by Kate Chopin and The Yellow Wallpaper, by Charlotte Perkins Gilman850 Words   |  4 PagesThe Yellow Wallpaper, by Charlotte Perkins Gilman, and The Story of an Hour, by Kate Chopin are two very similar stories. Both women were controlled by their husbands who caused them to feel an intense desire for freedom. However, the women in the stories had different life experiences and different reactions to their own freedom as a result of their different personalities. Mrs. Mallard in The Story of an Hour had to deal with a sort of burden. Her husband had control over her body andRead MoreMiddle Class Women in 19th Century American Society1245 Words   |  5 PagesIn the story â€Å"The yellow wallpaper† the author Charlotte Perkins Gilman says some things about the way women were treated by men back then in the 19th century. Women’s roles and place in the 19th century American society are very humiliating, rational for this society and weird. Women back then were treated as â€Å"something† not as â€Å"someone† that is to say useless beings, that do not have brains. The yellow wallpaper symbolizesRead MoreAnalysis Of The Yellow Wallpaper1727 Words   |  7 Pages Analysis of the Short Story The Yellow Wallpaper by Charlotte Perkins Gilman. Originally published in January 1892 issue of New England Magazine. Charlotte Perkins Gilman s short story The Yellow Wallpaper was personal to her own struggles with anxiety and depression after the birth of her daughter with her first husband and S. Weir Mitchell s resting cure treatment she received. The Yellow Wallpaper describes, from the patients point of view, the fall into madness of a woman who is creativelyRead MoreThe Yellow Wallpaper By Charlotte Perkins Gilman904 Words   |  4 Pagescom/us/definiton/americaneglish/rest-cure?q=rest+cure). Charlotte Perkins Gilman wrote The Yellow Wallpaper as a reflection of series of events that happened in her own life. Women who fought the urge to be the typical stereotype were seen as having mental instabilities and were considered disobedient. The societal need for women to conform to the standards in the 1800s were very high. They were to cook, clean and teach their daughters how to take care of the men. Gilman grew up without her father and she vowedRead More Understanding The Yellow Wallpaper1209 Words   |  5 PagesUnderstanding The Yellow Wallpaper      Ã‚   There are more reported cases of clinical depression in women than their are in men. There is also, generalized in western cultures, a stereotype that women are fragile and should be more dedicated to maintaining the home, doing feminine things, that they shouldnt work, and be discouraged from intellectual thinking. In the Victorian period (1837-1901) aside from womens suffragette movements the Victorian woman usually upheld this stereotype of a wellRead MoreThe Yellow Wallpaper: A Look Into Post-Partum Depression1061 Words   |  5 PagesCharlotte Perkins Gilman’s story, The Yellow Wallpaper, portrays the life and mind of a woman suffering from post-partum depression in the late eighteenth century. Gilman uses setting to strengthen the impact of her story by allowing the distant country mansion symbolize the loneliness of her narrator, Jane. Gilman also uses flat characters to enhance the depth of Jane’s thoughts; however, Gilman’s use of narrative tec hnique impacts her story the most. In The Yellow Wallpaper, Charlotte Perkins Gilman

My Reflection On My Adolescent Side - 857 Words

Getting back to the normal session was pleasant for me. It was not as intense as initial sessions, but still powerful. â€Å"My adolescent side† exercise was especially insightful, and made me think about it in depth. It is incredible to see that I still keep these sides alive in a different way. Even today shyness and anger feelings popping out in my daily life can makes things harder time to time. These sides might not be seen as playful/joyful as other’s have. Moreover, I do not even know how to address them. On the other side, I started gaining control and power over my difficulties by examining my background and getting insight about them. Additionally, I noticed that I overly focus on my negative sides. I believe it is time to think about my positive side as well. As I know that you value positive psychology as well and I should engage in this field to get a better understanding about personal growth due to personal and professional reasons. Firstly, as I stated i n the session, I was a communist in my adolescent ages, it sounds so hilarious, but this identification process made my life easier in those years. Since, I grew up in a relatively authoritarian and conservative environment. I always query the drawbacks and negative impacts of this cultural organization on the personality development. This political stance meant social justice, equality and freedom for me at those times (okay I’ve changed). Being an opponent of the system and all the authority representation wasShow MoreRelatedThe Changes Experienced in Adolescence, Adulthood, and Midlife696 Words   |  3 PagesThere are a number of changes one experiences as one moves from adolescence to adulthood o midlife. For instance, as an adolescent, one behavior that was common to me, as it is to most adolescents, was the desire to test the limits. This is the parental balance that comes with temperament and experience how to set limits and guidelines while, at the same time, allowi ng the teen to make their own mistakes and constructively learn from those errors in judgement. Then, as we grow into adulthood, thereRead MoreCupid And Psyche : An Unsettling And Awkward Version Of The Myth953 Words   |  4 PagesCupid and Psyche has been evaluated as being an unnerving and awkward version of the myth. David’s painting depicts a vulgar and adolescent Cupid as he is sneaking away just before sunrise. Traditionally, the god of love would be presented as an idealized and noble youth; however, in this painting David chose to show a ruddy juvenile who sneers at the observer as if to display his conquest. 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Although these poems may be about the same topic, they are presented in different points of view by the narrators. â€Å"My Papa’s Waltz† is in the first person point of view as it’s happening, â€Å"The Whipping† is also presented as it is happening, but is presented third person, however; â€Å"Daddy† is written as a reflection inRead MoreSharing Personal Stories through Fascinating and Effective Ways1423 Words   |  6 PagesLet me take you back to 7th grade, a year that most can agree wasn’t all too great in their adolescent lives. Wether it was your friendships, your crush, or your slew of emotions, I know I am not the only one who found themselves having no clue how I felt or what direction I wanted to go in when I was 13 years old. While home this semester, I was fortunate (or unfortunate) enough to stumble upon a â€Å"diary† of mine that had but only one entry in it. 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