Credit Creative Writings Samples For Students

Introduction

In fact, money does not purchase happiness. Neither does materialism nor consumerism. New research indicates that consumerism or materialism is not only a personal problem but also an environmental problem. In our contemporary society we have countless shopping malls/centers where individuals use extra time spending their cash than ever before. This explains why the number of Americans filing for the bankruptcy is ever increasing. The co-authors in “Affluenza: The All Consuming Epidemic” have discussed into details the concept of consumerism or materialism. Generally, this is an anti-consumerist book that contains 30 chapters and it is divided into 3 sections, which ...

Focused subject

Thesis statement
The over-consumption problem in our society has contributed to the emergence of poor management of cash which has affected the society and its members negatively. For that reason, this outline focuses on the problem of over-consumption and explores its various causes that include the increasing availability of credit cards, our insatiable need for stuff, and poor competition among the consumers. It also analyses what individuals and the society in general ought to do to solve this burning issue.

Increasing availability of credit cards

One of the major causes of the problem of over-consumption is the snowballing credit cards availability. This has ...

Abstract

Financial strategy formulation and implementation involve substantial planning, analysis and forecasting. In the dispensation of that duty, managers and employees alike must consider risk. Risk refers to the possibilities of occurrence of events whose results ordinarily cause losses of a financial nature. Interestingly, risk is not predictable or certain. This makes factoring risk in the financial strategy problematic. In addition, risk in itself is a broad term that could be manifested in different ways. Some manifestation of risk includes business risks, credit risks, interest rate risks, political risks, default risks and reinvestment risks. The uncertain nature of risks makes it fundamentally ...

Like the old adage says, money does not buy happiness, nor does materialism or consumerism. Consumerism/materialism is not only a personal problem, but an environmental one. In our contemporary society, we have countless shopping malls/centers where individuals use extra time spending their cash than ever before, explaining why the number of Americans filing for bankruptcy is ever increasing. The co-authors of Affluenza: The All Consuming Epidemic discuss in detail the concept of consumerism or materialism, taking an opposing stance on the subject of consumerism. This book is split into 30 chapters, categorized into 3 sections, placing consumerism in the context ...

The use of bitcoins

Bitcoin is a form of currency that was created in 2009, and which is not issued by any central bank. The transactions that are made using this currency do not have middle men which imply that there is no use of banks. Bitcoin transactions do not have transaction fees, and a user does not need to provide real names. There is no physical bitcoin, but rather computers are used to create them. All those computers that create them form a network that serves to confirm the transactions that are made with bitcoins, without the help of MasterCard, Visa, or any local bank. ...

A swap as a financial instrument refers to a notional principal contract in which one party undertakes to make payments to the other party using a specified variable rate, the notional amount. On the other hand, the other party undertakes to make regular payments, which would, be based on a different rate or index in application to the notional amount. In other words, swaps refer to derivatives in which the parties engage in the exchange of cash flows hence the term swap. The benefits inherent in a swap depend on the kind of financial instrument exchanged. The agreement of the swap includes the dates ...

320 A Main St

Buffalo, 1524

Jane Hardman
Persuasive letter
AN&N
255 Adams St

Washington, 98002

Dear Mr. Jameson:
It was a great honor for me to meet you last month. As you gave me an assignment for your business cruise to the Bahamas, I am ready to share my ideas with you. I suggest you to invite to your cruise the credit union members in order to discuss financial planning workshops.
I propose to conduct 5 days cruise on a board ship to the Bahamas. The appropriate date for the cruise will be June 1-5, 2016. We will dedicate two afternoons of ...

Civil Rights Movement and American Paradox

Introduction
In 1960s, Republican overwhelmingly supported the Civil Right Movement and believed the idea from constitution “all men are created equal” and Northern Democrats supported the cause too. The Southern Democrats were “conservative” and were against the Civil Right Movement and they wanted segregation to stay within their society. They believed blacks being treated as “separate” were enough in itself.

Some examples of American Paradox to Civil Rights Movement:

Ku Klux Klan: Ku Klux Klan used to be very violent with the Blacks and they were against Blacks being treated as “Equals”. They used to do their best to ensure Blacks didn’t manage to vote and ...

There is a list of things that a person must know and pursue in order to become an effective and efficient employee. First of all, one needs to learn how to prioritize their work. By being able to prioritize, the task at hand will become easier to manage and meeting all deadlines will automatically become much easier, with the important tasks accomplished before the others.
Secondly, to improve one’s performance at work and become more efficient, a positive mental attitude is required. This helps in achieving your tasks with your full potential and dedication. The mind will wander ...

(Reforming the financial systems)

Introduction

The term financial crisis is mainly applicable to situations where certain financial assets suddenly lose a large part of the nominal value. Through the crisis, the financial institutions equally lose value and become incompetent in the local as well as international financial markets. Financial crisis is a major cause of economic crisis where the economy experiences a downturn in liquidity as well as unpredictable inflations. However, when the financial crisis occurs several things may be done as a solution but the reformation of the financial system is one of the actions that may be undertaken. ...

In the past, the major target market for new students at Regional State University in the Gulf Region was high school seniors. Recent statistics state that there will be a steady decline of high school seniors over the next ten years. Our goal at Regional State University is to develop three new market segments to fill our educational rosters. The three target segments we will focus on are 1) new graduate students, 2) transferring community college students, and 3) online students. New market strategies will focus on increasing these market segments while continuing to bolster programs to interest incoming ...

1. Explain the inpatient and outpatient reimbursement methodology for Medicare as a payer
Reimbursement is calculated in outpatient regarding the case date, the contract rate, the fee charged for the services received as well as the percentage of the bill incurred. In patients, however, get a difference at the rate whereby it is calculated as a percent of the incurred cost per diem.
2. Explain the inpatient and outpatient reimbursement methodology for commercial payer
For commercial payers the for outpatient, the services are reimbursed using either of the methods; percentage of the accrued charges, the fee for the service, ...

The astonishing fact is that there has been an increasing number of individuals filing for bankruptcy in our society. Albeit of late congress made it harder to declare individual bankruptcy, I think this was not a good idea simply because we have developed an over-consumption behavior whose effects are severe. Therefore, the problem of over-consumption has led to poor management of cash among Americans hence this have resulted to negative effects.

Main causes of overconsumption problem.

The snowballing availability of the credit cards is one of the causes that section one of Affluenza: The All Consuming Epidemic lists. In addition to this, this book notes ...

The article focuses on the ill treatment of the lower rank soldiers within the military. An example of a soldier who had served at that same post for four years has been given. He narrates that he had served in two locations for four hundred divisions, had an accident which resulted to declining of trust in the command position he was in. His superiors expected him to be a sailor and still make his country proud, his superiors claimed he had to remain at the lower ranks for being in the military was a way of life and not a job, this indicated ...

This company is vulnerable to spam that increases running costs and sending or receiving of messages that may not have compelling content. The use of emails contributes to fraud where the senders hide their true identity or use passwords to access files. Email usage has been associated with viruses that affect key data or browser. Emails also expose an organization to the risk of online hackers who may cause havoc in the operating systems, steal, modify or even delete the critical data (Sherman, 2003).
Safety on email usage requires regular update of the computers. This increases software security, ...

‘You have to close your eyes,’ Megan said. Smiling, Frankie closed her eyes and allowed Megan to lead her into the room.‘Okay,’ said Megan, ‘open!’

Frankie opened her eyes and stared. There, on her chest of drawers, propped against the wall, was a beautiful mirror. It was large in size – Frankie could see her and Megan’s full reflections from their thighs upwards – and it was framed in white marble, carved into the shapes of flowers and leaves, running down the side of the mirror.

‘It’s beautiful.’ Frankie ran her hand down the side of the mirror, pausing ...