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It would be useful for what is a specialist mid-level applicants. You must follow the chronological resume when. You have to portray a vertical progression in your career You more or less had a consistent career with no such big work-experience gaps in main civil, between You are planning a change of company but in similar trade. Faith! The functional resume format focuses mostly on main reason for the war, the skills of the applicant rather than his work experiences. Apa 6th Website! Unlike the conventional chronological format, this one ignores when where the main reason for the, applicant performed or learned those skills. Faith And Diversity! It’s the fact that the candidate holds those skills relevant to the specific job opening, is main reason highlighted in Blue Peafowl, the functional format.
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Use formal fonts and main the font size should be 14 for headings and 12 for apa 6th website the rest. Main Reason For The Civil! You must use strong verbs such as “managed”, “handled”, “led”, “administered”, “charted” etc. Begin the Essay Blue, resume with summary sentence so that the hiring manager can have a blue-print of main civil your skills abilities at Faith and Diversity a glance. Main Reason For The Civil! Include personal accomplishments if they are pertinent to apa 6th website the relevant job opening. Focus on quantifiable accomplishments include facts figures. Main For The Civil War! No grammar mistake or typo error is psychosocial allowed in your resume.
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Thus one can make use of a resume format. A resume format is a detailed layout and Peafowl format of a resume which can be used by main war those who are confused about the format of technology in marketing such a formal document. A resume format is main reason for the war divided into sections and apa 6th website categories in the exact same way as needed in a resume. It gives the users a reference point of main reason civil view and idea of how a professional Resume Templates must look like. Is A! Resume formats may also be provided with the main headings like personal details, academic details, professional experience etc. for civil better use and reference of the democratically elected, users. What makes a resume format the best resume format is the reason civil, manner in which it is drafted or framed and how much convenience it offers to the user.
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Retirement Planning: How to main reason for the war, Plan for a Successful Retirement. Youth is wasted on the young. Often, money is, too. Back in my corporate days, when I managed scores of retail stores and hundreds of apa 6th website, employees, I stressed the importance of planning for retirement—as well as saving for future goals—with every person I hired. Before the main start of their very first shift, I would sit down with each new team member and apa 6th website show them how to save for retirement without stress, worry, complexity, or pain. Within a few minutes, I could literally see the difference in their physiology as trepidation drained from their facial features and, after we spent 30 minutes examining their options, confidence began to take over once they realized planning for retirement is much simpler than they thought. Most of these employees hadn’t given much thought to main civil war, saving for the future: maybe they’d heard their parents or spouses maunder about stocks and and Diversity in Religions bonds and main reason for the civil mutual funds, but they hadn’t considered which path to in Religions, take because planning for the future, especially with respect to for the, finances, is overwhelming, daunting, boring.
There are so many options, so many so-called experts, so many ways to Faith and Diversity Essay, screw things up. So, like many of Americans, they stood stuck in analytical paralysis, opting instead to postpone the decision for another time in some nonexistent hypothetical future. You know, “one day.” One day : these two words are dangerous because they give us an excuse to for the civil, shelve important decisions that radically influence our future. Waiting for “one day” to arrive doesn’t solve the problem—it makes it worse. Each day we wait, the technology worse it gets. Just as with my employee orientations of yesteryear, I want this essay to for the, serve as an inspirational and informative “sit-down” in in Religions Essay, which I clear the fog of decision-making and help you, the main reason for the civil reader, make an informed decision based on what motivates what I’ve done with my own financial future.
I truly believe that after reading this step-by-step process, you can plan for retirement in for the civil war, less than an hour . Using screenshots and technology my personal finances as a concrete example, I provide the main necessary tools and a step-by-step strategy for you to quickly understand how easy it is to begin saving for retirement, regardless of where you stand on the socioeconomic ladder. Stages! Not only retirement , though—I also want to help you save for other future objectives: establish a Safety Net emergency fund, build wealth with smart investments, and reason for the own your house outright, if that’s a dream of yours. And most important—I want it to be simple, because I know, based on years of experience, if I can make the complex concept of retirement planning simple, then you have a much better shot at getting started immediately. Ultimately, I hope to elected, eliminate the main civil fear of motivates, financial planning and reason for the civil war help you realize it’s simpler than you think. Before I get to Essay, my examples, I’ll allay your fears by addressing a few of the worries I’ve heard throughout my years of helping others set up retirement accounts: Myth 1. I’m too old to for the war, save for retirement . I frequently hired employees who were older than I was—often in democratically, their forties and fifties—with no retirement-savings plan. Fear had long ago set in, and they figured it was too late. They were stuck; they had missed their opportunity.
Not true. While it’s true that you’re better off starting at war, age 25 than 50, it is apa 6th website, also true you’ll be better off starting at age 50 than, say, 70. Reason For The War! Then again, 70 is a better start than 90, isn’t it? The past is the past. We must stop peering at the rearview and instead look ahead toward the horizon. As long as you’re still breathing, it’s never too late to Faith in Religions, start . It’s never too early, either. Myth 2. I’m too young to save for retirement . Too young? Are you insane? If you’re younger than 30, you have it made! Young people, no matter your tax bracket, have a significant opportunity to become truly wealthy thanks to main war, the power of compound interest . Someone who invests $25,000 by elected age 25, with a 12% rate of return, will have more than $2 million by age 65—even if he or she doesn’t add another dollar after age 25. Conversely, if that same person waits until age 30, he or she will have to reason civil, contribute more than three times as much to achieve the democratically same outcome.
The lesson? Compound interest is the best way to main reason for the, grow your money over stages, the long haul—so start while you’re young. To visually illustrate the difference between starting at age 25 vs. 35, check out main reason civil war this Business Insider graph: Myth 3. I don’t make enough money to save for retirement . Actually, there is no reason you shouldn’t retire a millionaire. That’s right: virtually everyone, even minimum-wage earners, has the technology opportunity to reason for the war, be a millionaire when they retire. Apa 6th Website! It sounds too good to be true, but the math proves otherwise: a 25-year-old who sets aside only $23 per main for the, week will retire with more than a million dollars if the money is invested properly (12% rate of return). Okay, so maybe you’re not 25 anymore—me, either! That’s all right—us older folks simply need to adjust accordingly.
Betterment has an psychosocial stages investment-and-retirement calculator to help you understand exactly how much money you need to save based on your age and main war financial objectives. Myth 4. Inflation will hurt my retirement nest egg . This is the only myth that is partially true; however, its truth is apa 6th website, irrelevant. While it is true $100 dollars ten years from now will probably possess less buying power than $100 today, the flip side of reason for the war, that coin is also true, and considerably more important: your $100 ten years from now will be worth infinitely more than your friend’s $0 invested. In fact, solid investments are the only way to motivates, outpace inflation . It is better to main for the war, invest your $100 than keep it in a bank or under your mattress. Myth 5. Motivates! I’d rather spend my money on something else . When intentions are good, this excuse occasionally sounds like the most compelling reason to avoid saving for reason for the civil war, the future. And Diversity In Religions Essay! True, we sometimes cling selfishly to money, using our income to purchase superfluous trinkets of ostensible success (new cars, shiny gadgets, accoutrements of consumerism), but frequently we want to main reason for the war, use our money to technology, contribute beyond ourselves (charities, nonprofits, and loved-ones in need). Contributing to others is certainly admirable, and I believe giving is reason civil war, living , so I want you contribute generously, but I’ve found the best way to help others is to motivates people, help yourself first— the main war best way to Essay about Indian Blue, give generously is to have more to give . Investing in yourself first helps you flex your giving muscle. There’s a reason airlines tell you to “secure your own oxygen mask before helping others”: if it’s easier to breathe, it’s easier to main reason for the, help people in need. Myth 6. The stock market isn’t safe . Translation: you don’t understand the technology stock market. That’s okay: I don’t completely understand the stock market, either—not intimately anyway (I am not a financial advisor, nor do I play one on the Internet). The only people who must have an advanced understanding of the stock market’s intricacies are stock brokers, day traders, and fund managers.
Rather than allocating several hours a day to learn the nuances of mutual funds, index funds, and individual stocks, I choose to use an investing service that takes the guess work out of investing. It is true any investment introduces risk into the equation, but long-term investing in the stock market has proven to be the best way to grow your retirement savings : over the last 25 years, including 2008’s steep decline and subsequent Great Recession, the market has averaged a rate of return of nearly 11%. Even when you account for 1929’s Great Depression, the market has averaged greater than 9% growth over the past 100 years (source: Morningstar). Investing in the market is the most stable good-growth investment one can make in the long-term, especially when using online tools that help you outperform the market, many of which are discussed in this essay. Myth 7. Main Civil! I don’t have enough time or knowledge to manage my retirement savings . It’s true you and I will likely never have as much financial wisdom as the experts, but that’s precisely why we must seek out tools developed by trusted, reputable experts.
Although I’m usually a do-it-yourself kind of guy, I don’t DIY my investment strategy; rather, I did my research and found online investment tools that allow me to Indian Peafowl, control my money without being overly controlling . I don’t want to main for the, constantly scrutinize my investments—tweaking and reacting out of fear every time the market goes up or down—but I don’t want to fly blind, either. Rather than flying the plane myself, I put the best possible pilot in apa 6th website, the cockpit. I manage the vast majority of my personal finances using Betterment’s online software. Of course, Betterment isn’t the only game in town—there are plenty of viable options: Wealthfront, Vanguard, Fidelity, Charles Schwab, and a slew of others. Main War! However, when comparing Betterment vs. Elected! Wealthfront vs. Vanguard vs. Fidelity vs. Schwab vs. a bunch of other reputable online brokers, there are a handful of important reasons, according to main for the, Betterment, to choose their service: Easy to use . Because I avoid complexity, I knew whichever online-investment firm I chose, it had to be easy to use.
Reputation . Betterment is the largest online automated investment service for a reason. Faith! Their portfolio is designed to achieve optimal returns at every level of risk. Through diversification, automated rebalancing, better behavior, and lower fees, Betterment customers can expect 4.3% higher returns than a typical DIY investor. Main For The! No-cost setup and low fees . I am not a millionaire (at least not yet), so I can’t afford to waste money on setup costs and psychosocial fees. Unlike many investment firms, Betterment does not charge to sign up for their service. That is correct: it’s absolutely free to main war, establish a Betterment account. Technology! Better yet, their fees are the lowest around.
I remember paying 300 basis points (3.00%) to my previous local broker, but now I pay only civil war 15 basis points (0.15%). No, that’s not a typo: fees are often 20 times lower with Betterment. About Peafowl! This is especially relevant considering the power of compound interest. By not charging for trades or transactions, Betterment manages their customers’ portfolios for far less than it would cost at even a discount brokerage; plus, their fees only get lower as your assets grow. War! Not only for retirement . Elected! As you’ll see in the following Savings Strategy section, not only main do I use Betterment for my retirement planning, but I also use it to house separate accounts for my personal Safety Net, Wealth Building, and democratically House Fund. By deferring a little money from my checking account to my Betterment account each month, I keep myself safe from reason for the war, spending temptations. Because my money is invested appropriately, it grows more than it would were it sitting in checking or savings accounts. Vanguard index funds . Vanguard, a company well-known for its integrity, has been the technology in marketing best place to invest in high-yield index funds for nearly 40 years. For The Civil! What are index funds?
Index funds aim to replicate the stages movements of an index of reason war, a specific financial market (for example, the Faith Essay SP 500 is a popular index), so it’s like investing your money in main for the, an entire index, as opposed to mutual funds, which pool money from many investors to purchase a limited number of stocks. While there is a slightly higher potential upside for technology in marketing, mutual-fund investments, I prefer index funds because of their considerably lower fees, relative stability, and reliability. I have used Vanguard for both personal and business investments in the past, and main reason civil that’s one of the primary reasons I chose Betterment: Betterment is essentially a well-built storefront for Vanguard, which I trust. So, with Betterment, I get the best of Vanguard plus at least three additional Betterment benefits: Automatic Portfolio Rebalancing . Remember that 90s cookware infomercial: “Set it and forget it!”? Well, I have very little desire to learn the mechanics of democratically elected, portfolio rebalancing and dividend reinvesting, but with Betterment, everything is automated—even deposits, if you’d like. Once I established my Betterment account, I was able to main for the war, effectively “set it and democratically elected forget it.” Sure, I still check in quarterly to take a peek at main reason for the, my financial growth—which is pretty cool because their web-based interface is beautiful—but I know the best strategy, once everything is set up, is to let the money grow and about grow and grow without fooling with it. Tax-loss harvesting . Tax-loss harvesting is the practice of selling a security that has experienced a loss. By realizing—or “harvesting”—a loss, investors are able to offset taxes on both gains and income. The sold security is then replaced by a similar one, maintaining the reason for the optimal asset allocation and expected returns.
Basically, Betterment systematically finds embedded capital losses to Faith and Diversity Essay, lower investment taxes and reason war increase after-tax returns—and they do this for free . (Note: I logged into Faith my account today and saw I’ve had $57.89 in losses harvested in the first three months of this year.) Beautiful interface . See “Easy to main for the, use” above. Psychosocial! Betterment’s website takes all the clunkiness out of old-time paper-trail investing. “60-second” rollovers . Rolling over a 401(k) from a former employer can help you take control of your retirement—that’s what I did with my old Fidelity 401(k) account: I rolled it into a Traditional IRA. Betterment offers rollovers that take less than a week on main for the average, and they have rollover concierge available to technology in marketing, assist you every step of the way, which made my rollover simple. Main Civil War! (You can rollover other accounts, too: 403(b), 457(b), Traditional IRAs, Roth IRAs, and apa 6th website other similar retirement accounts.) RetireGuide . Betterment’s optional RetireGuide feature will make recommendations for main for the, your non-Betterment 401(k) and taxable accounts, as well as recommend what kind of in Religions Essay, IRAs you should fund. You can even look at scenarios comparing whether or not social security will exist in civil war, the future, since that is apa 6th website, a major concern for many folks (myself included). This free feature even shows what kind of income you can withdraw during retirement. Main For The Civil! Diversity . Betterment uses years of investment research to construct a globally diversified, passive portfolio based on Modern Portfolio Theory. About Indian! Their customers own exchange-traded funds (ETFs) representing up to 12 asset classes. For The War! In plain English: diversification is the key to properly managing your wealth through market upswings and psychosocial stages downturns—Betterment provides this diversity. Free resources . For the casual investor like myself (read: non-expert), I appreciate the plethora of financial advice Betterment regularly doles out. Once I became a customer, they began sending me occasional email reminders and advice about my finances (no spam, ever—only helpful advice).
It is the first time I can remember enjoying reading about finances—because they made it easily digestible and applicable to my personal situation. Today’s technology is making investing easier, safer, and simpler than ever. You used to have to hire a local broker and main war hope he or she had your best interests in mind. While there’s nothing inherently wrong with a local-broker approach (there are many wonderful brokers out there—I’ve dealt with several), I’ve found that I feel more informed, more confident, more focused, and Essay about Indian Blue more secure with the advanced tools being made available online in today’s investment industry; plus, I’m grateful to pay considerably lower fees, which helps my money grow more quickly (remember the main reason for the war power of Indian Blue Peafowl, compound interest). To be as transparent as possible, not only war am I sharing my financial information in this article (including screenshots below), but it’s worth noting that The Minimalists used to be an stages affiliate partner for Betterment, but we opted out of for the civil, that program recently because it restricted our personal ability to freely invest our money. That said, I still use Betterment to manage my money. Even though Ryan I don’t have an affiliate relationship with Betterment, which means we don’t receive anything for recommending their service, their firm is the place I trust most to manage my investments. If that ever changes, I’ll update my viewpoint here at TheMinimalists . The best way for me to help you save for the future is to show you my recipe, that is, how I manage my own finances step by step: this way you can follow the entire recipe or select ingredients that work best for apa 6th website, you. Strategy Overview : Of the six tactics listed below, I use Betterment to manage the reason civil war first four: Safety Net, Traditional IRA, Build Wealth, and House Fund.
Here is a screenshot overview of Faith in Religions, my Betterment account five weeks into the calendar year 2015: Now, looking at reason for the war, only the elected numbers, it’s easy for me to say, “Wow! That guy’s loaded!” First, if I were to retire today, $176k wouldn’t be enough money because, ideally, one wants to have enough saved to reason war, live off the interest, pay taxes, and outpace inflation. In Marketing! Thus, if I wanted to bring home, say, $30,000 a year, I’d need to have approximately $500,000 saved, earning 12% interest (2% for inflation, 4% for taxes, and the remaining 6%—$30,000—for income). And second, of course, I’m not loaded. I don’t view this money as my money at reason, all; instead, I look at it as an investment in my future self: it is my future self’s money. Psychosocial! I’m not allowed to reason for the civil war, touch it. Besides, it didn’t happen overnight: I’ve been investing for nearly a decade, slowly contributing a percentage of my income each month with unwavering conviction.
Even when income has been low, I’ve made sure to pay my(future)self first by investing in my retirement account and ensuring I have a Safety Net for emergencies. The following six tactics outline exactly how I save for the future and plan for retirement. (By the way, as Ryan and I discussed on our TEDx Talk, we certainly don’t believe wealth directly correlates with a rich life; that doesn’t mean having money is wrong—it’s not—it simply means money is not the primary driver for elected, my life. But with the money I do earn, I want to invest responsibly.) Tactic 1. Safety Net . Before planning for retirement, it is best to plan for emergencies. Life happens, so we must create an initial Safety Net bucket containing $500–$1000, invested conservatively to main reason for the, avoid downturns in the market. Warning: do not touch this money unless there is Faith in Religions, a true emergency (e.g., car repairs, home repairs, job loss, medical bills, and civil other real emergencies). In fact, this is why I keep my Safety Net in a Betterment bucket instead of in my checking or savings: by removing it from my regular bank account, I’m less tempted to use that money unless it’s an actual emergency, plus I still have quick access to what motivates to work, the money should I ever need it.
Over time, once you’re out of debt, your Safety Net will grow to include several months of main reason war, expenses (after years of elected, saving, my Safety Net now has a year’s worth of expenses and I no longer contribute to that bucket). But for now, worry only civil about the first $500–$1000 to start. About Indian Peafowl! Once you’ve built your initial Safety Net, you can begin piling cash into civil your Retirement Savings. Tactic 2. Retirement Savings (IRA) . Of my four Betterment buckets, I use a Traditional IRA as my primary Retirement Savings bucket. Democratically Elected! As you can see from the reason for the civil screenshot below, the majority of my money is kept in a Traditional IRA, which is balanced aggressively toward stock-based index funds. As a Betterment customer, I can drill down to about Indian Peafowl, the individual index-fund level if I feel inclined to main reason war, make adjustments to apa 6th website, individual investments accordingly; although, in most cases, I allow Betterment to recommend the particular funds in main reason civil war, which I should invest since they are the apa 6th website experts. Instead of main reason for the war, a Traditional IRA, you can also opt for a Roth IRA (or both if you’d like). The main difference between these two types of elected, IRAs is civil war, that Traditional IRAs’ contributions are pre-tax (thereby lowing your annual taxable income), while Roth IRAs’ contributions are after-tax (which makes them tax-free upon retirement, provided certain criteria are met).
Both IRA options are available through Betterment. Apa 6th Website! I chose a Traditional IRA because I rolled-over a large 401(k) from my previous employer. (Note: we’ll address 401(k)s, SEP-IRAs, and other similar employer-based retirement accounts in Tactic 5.) Tactic 3. Civil War! Build Wealth . Because the U.S. Technology In Marketing! government allows people to for the war, contribute only Faith and Diversity in Religions up to for the, a certain amount to an IRA each year, I deposit any additional retirement savings into a Build Wealth bucket, which is set with the same aggressive-growth configuration as my Traditional IRA, although the Blue Peafowl money in this bucket is invested post-tax; thus, you need only establish a Build Wealth bucket if you’ve first maxed out main reason for the civil war your tax-advantaged IRA contributions. (Once you have a Betterment account, establishing new buckets—Build Wealth, Safety Net, etc.—is easy: just a few clicks and you have a new bucket.) Tactic 4. House Fund . One might say I’m “debt adverse”—but that is an democratically elected understatement. I hate debt! From my viewpoint, after experiencing crippling debt for over a decade, there is no such thing as “good debt.” Sure, some debt, such as a mortgage, is for the, better than other debts, such as, say, a creepy payday lender—but just because it is sometimes tolerable, debt is about Blue, never a “good” thing.
Hence, although I’ve been a homeowner before (well, technically the bank owned the home and I paid the main civil mortgage), I currently rent an apartment and save additional money into my House Fund bucket, which is Essay about Indian Blue, adjusted more conservatively than my Retirement Savings and Build Wealth buckets because the House Fund bucket is ideally a shorter-term investment (fewer than five years). For some people, this bucket is a great way to amass a reasonable downpayment on a home (a 20% or greater downpayment allows the reason civil borrower to avoid pricey Private Mortgage Insurance). For me, however, this fund is there so when I decide to finally purchase another house, I will do so in cash. As you can see, I have a long way to what, go, but I know it will be worth it. Tactic 5. Employer Contributions . For The! If your employer offers an and Diversity employer-matching, tax-qualified, defined-contribution pension account, such as a 401(k) (or 403(b) or 457(b) if you work for a nonprofit or government entity, respectively), then it is best to contribute to your 401(k) up to the employer’s matching amount. For example, if your employer matches your contributions up to 3%, then I encourage you to reason for the civil, contribute 3% of your income because you’re effectively doubling your investment immediately (if your employer doesn’t match, however, then I would avoid an employer-based retirement account because there are better, more flexible options available). After the match, however, I recommend using an investment service like Betterment, or any of the Faith and Diversity in Religions Essay others I’ve mentioned, because they give considerably more flexibility, control, and guidance, and thus a greater return on your investment compared to most 401(k) plans, which are usually terribly limited. Personally, because my company is a small business (an LLC partnership with only a few employees), we established an SEP-IRA through Vanguard—our company went to Vanguard directly because Betterment allows only main reason for the civil war individual accounts (no business accounts). Much like a 401(k), SEP-IRAs are often adopted by small business owners to provide retirement benefits similar to a pension plan for elected, the business owners and their employees. Tactic 6. Contributing to Others . Having personal wealth is a great idea—but only if we are prepared to be responsible with our resources; otherwise, money can become a burden because money won’t, as the cliche goes, buy us happiness.
Sure, it will purchase myriad comforts, but comfort and happiness aren’t necessarily synonymous (in fact, comfort often keeps us from true happiness). Although The Minimalists had a breakthrough year last year (a bestselling book, a 100-city tour, etc.), Ryan and I decided to pay ourselves considerably less money than our business generated, opting instead to invest in other people and main reason civil causes. We could do this contently only after ensuring our own financial house was in in Religions, order, which enabled us to save more than 20% of main reason for the civil war, our personal incomes while still contributing a considerable amount—well over 20% of elected, our business revenue—to others. Giving is living: let’s build wealth so we can give more and live more. Whether you use my tactics or not, I’d be remiss if I didn’t warn you about the investments I avoid.
Cash-value life insurance . Cash-value plans, such as whole-life or universal-life, are horrible investments. Life insurance should not be treated as an investment—it must be treated as what it is: insurance! If you have dependents, then yes, you need life insurance (unless you are wealthy enough to self-insure), and your best bet is always term-life insurance. Additional reading: The Truth About Life Insurance. Individual stocks . Main! Unless you are an motivates to work expert day trader, individual stocks pose too much risk to the average investor. Even if your employer offers a “special” rate for their stock, I wouldn’t invest my money into main reason for the civil any single stock, not even reputable stocks like Apple or Google: it’s simply too high-risk for in Religions, my taste. I want my money to grow over time, preferring to “get rich slowly” over main for the civil, “get rich quick,” the democratically latter of which usually leads to a perilous outcome. Gold, silver, and precious metals . Like individual stocks, these metals are too fraught with risk when compared to index funds. Even worse, gold and silver are commodities—commodity prices are often manipulated by main war speculation rather than supply and demand. Additional reading: The Gold Market Is Losing Its Glitter. Annuities . Variable annuities—or any annuity for that matter—are generally not a good investment, especially since there are so many other great investment options available.
More often than not, annuities are rife with fees and penalties and surrender periods, not to mention low rates of return. Yuck! Low-interest-yielding investments . If you’re investing for technology, greater than five years, then low-interest-yielding investments, such as CDs, savings accounts, individual bonds, and the like, are poor investments because the reason interest earned usually doesn’t outpace inflation. These are great options, however, if you’re saving for less than twelve months because they reduce your overall risk. Invest in Yourself: 3 Tips to democratically elected, Get Started. By this point, you should have some financial clarity and a noggin full of good ideas—so don’t leave the scene of a good idea without taking action!
You need momentum if you want to keep going. Here are three “next steps” to get you on the right path today—not “one day,” not next Friday—but today . Investment account . Main Reason! Using Betterment or another online broker, set up an account today. Even if you don’t have a single dollar to commit until next week or next month, that’s okay. Establishing a free account is a proper first step. Start small and automate . Beginning with your next payday, automate regular deposits directly from your checking account.
Start small: you won’t notice a 2% pay cut. Every month or so, increase your contribution by Faith 1%. Reason For The Civil! Within a year, you’ll slowly ratchet up to nearly 15% of your pay, which is a great place to be. I employed this strategy in my life, slowly increasing my percentage 1% at a time, and I now save at psychosocial, least 20% of my income (often considerably more than 20% by making additional deposits whenever I run into additional money). Main For The War! Build your Safety Net first, and then start investing into psychosocial your Retirement Savings bucket as soon as you have at least $500 in your Safety Net bucket. Public accountability . Once you have an investment account established, and have started contributing to it (no matter how little), share your newfound vigor with the world around you: tell a loved one, family member, or trusted coworker (someone who will congratulate you rather than judge you).
If you like, you can share this article on social media or with coworkers to war, spark a discussion in your immediate circles. In Marketing! Discussing your financial objectives with other people helps you keep yourself on track. There is no single “best way” to plan for your financial future; rather, there is an entire landscape riddled with peaks and valleys you must navigate. It is my desire this how-to guide acts not as advice (which it’s not), but as a roadmap to help you on your journey toward a financially secure future. If you walk away from this essay with only one takeaway, I hope it’s this: start today . Don’t let your crastination turn pro. Whether you use Betterment, Wealthfront, or your own personal broker to manage your money, the main for the civil most important thing to do is get started. According to the ASPPA, the largest indicator of retiring with wealth is not your financial philosophy; it’s not your suit-n-tie, slick-talking broker; it’s not even your rate of return—the primary indicator of having money when you retire is your savings rate . Apa 6th Website! That’s right: putting money away—starting today—is the best route to reason for the war, financial freedom during retirement. While I am not a financial advisor, it is my aspiration the financial tools and strategies shared in apa 6th website, this article will give you the main for the civil push you need to get started and feel confident in your financial future.
I wish you way more than luck.
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The Beautiful, Untrue Things of the main for the civil war Lyric Essay. Oscar Wilde’s most famous critical dialogue, “The Decay of Lying,” begins with a well-meaning but uninformed man named Cyril inviting his male friend Vivian outside: “Don’t coop yourself up all day in the library,” he says. “Let us go and lie on the grass and smoke cigarettes and enjoy Nature.”  Vivian, however, wants nothing to stages, do with Nature, and complains of her “lack of design, her curious crudities, and her extraordinary monotony.” And thus Vivian and Cyril embark on a grand debate about the main civil war role of nature in art, and the problem with what Vivian calls “dull facts,” “depressing truths,” and “careless habits of accuracy.” “There is such a thing as robbing a story of its reality by trying to make it too true,” says Vivian. Stages! And “if something cannot be done to check, or at least to reason, modify, our monstrous worship of facts, Art will become sterile, and democratically elected, beauty will pass away from the land.” Of course, this dialogue is about what Wilde saw as the insufferable realists of nineteenth-century fiction, so what does it have to do with us, a bunch of twenty-first-century essayists? Vivian, as Wilde’s mouthpiece, gives us the answer near the end of the main reason for the war debate: “Those who do not love Beauty more than Truth,” he says, “never know the inmost shrine of Art.” And in the context of our discussion, it is quite possible that those who do not love beauty more than truth may never know the inmost shrine of the essay. Put differently, “The Decay of Lying” champions art for art’s sake. Read with an ear for the craft of creative nonfiction, the Faith and Diversity in Religions dialogue has all the workings of main civil war a manifesto on the lyric essay—what I might call truth for art’s sake. Consider Wilde’s four basic doctrines:
1. Art never expresses anything but itself. 2. All bad art comes from Faith returning to main reason for the war, Life and Nature. 3. Apa 6th Website! Life imitates Art far more than Art imitates Life. 4. Lying, the telling of beautiful untrue things, is the proper aim of main civil war Art. Here, I shall briefly discuss the first and last of Wilde’s statements.
First, art never expresses anything but itself — or, perhaps, for the purposes of our discussion, and with apologies to Wilde, the artist never expresses anything but him- or herself. In “The Decay of Lying,” Vivian explains the doctrine this way: “Art takes life as part of her rough material, recreates it, and democratically elected, refashions it in fresh forms, is reason war absolutely indifferent to fact, invents, imagines, [and] dreams.” Art may use nature for its building blocks, but the final product is something entirely new, something reflective, not of the world, but of the Essay Indian Blue Peafowl inner workings of the artist. Consider Basil Hallward, the fictional painter who captured so beautifully the young Dorian Gray in Wilde’s only novel. “Every portrait that is painted with feeling is a portrait of the artist, not of the sitter,” claims Basil. For The Civil! “The sitter is merely the accident, the occasion. It is democratically not he who is revealed by the painter; it is rather the painter who, on the coloured canvas, reveals himself.” Something similar could be said of the lyric essay—that it relies on the building blocks of memory, meditation, research, speculation, and even narrative, but that in the final product, the essay’s greatest revelation is the essayist. Main Reason! After all, Montaigne’s famous question was not “What do I see?” but “What do I know?” Likewise, Honor Moore calls the prose of the lyric essay a “vehicle of apa 6th website individual emotion,” and D’Agata and main for the civil war, Tall have called it a home for “idiosyncratic meditations.” Ultimately what we want from a lyric essay is the interior knowledge of the writer. As Wilde says, “the vision . . . of the artist, is far more important to us than what he looks at.” Consider the arresting intimacy of stages Brian Doyle’s eulogistic essay, “Kaddish,” which relies on both structure and content to capture the tragedy of the terrorist attacks of September 11, 2001.  The essay consists of 217 one-line descriptions pulled from obituaries of the victims. More than a tribute to the deceased, the essay attempts to re-create the writer’s emotional experience of that day.
Each line falls down the page, evoking images of victims falling from the towers, but also giving each victim his or her own moment in time. As we read, we are simultaneously overwhelmed by the sheer number of reason civil war victims and arrested by democratically, the reality of their individual humanity. What’s more, the title, “Kaddish,” tells us this essay is a prayer—not merely a private one, but a recitation, a ritual of sorts. Doyle hasn’t simply reiterated the public mourning of the obituaries, he has created a work of art that gathers and distills the public record and reframes it in a textual structure that reflects that day’s relentless barrage of images, as well as Doyle’s personal, prayerful reaction to main reason for the civil war, the people in those images. It is a record not of what he saw or read, but of what he felt. Phillip Lopate has registered skepticism about the what motivates lyric essay for its “refusal to let thought accrue to some purpose.” But what if that is precisely the point—to capture thought and main for the civil war, emotion before it has accrued to some external determination? Oscar Wilde wrote that the apa 6th website “basis of life . . . is simply the desire for expression.” Regardless of any larger social, political, or spiritual implication, the form of the lyric essay is primarily a vehicle for expressing the interiority of the artist. War! As Wilde scholar Lawrence Danson puts it: “Realists claim that they refer to Indian Blue, a world out there; Wilde claims that the only significant out-there begins in for the civil war, here.” And that brings us to the second of Wilde’s doctrines that I will discuss here, his fourth and technology in marketing, final, and for reason for the war writers of the motivates to work lyric essay, perhaps most controversial: the war doctrine that says, “lying, the telling of beautiful untrue things, is the proper aim of art.” And before you wonder if I’m going “there” with this presentation, before you divide yourself off in either the psychosocial D’Agata/Shields/Dornick camp on reason civil, the left or the Gutkind/Lopate/Levy camp on the right, before we start fighting about truth in nonfiction and Essay Blue Peafowl, the relative fallibility of memory, and main for the civil war, that oversimplified claim that all writing is a lie, let me just say that if Oscar Wilde were here to in marketing, witness such a debate, I like to think he’d rub his hands with delight, and say we were all missing the point.
Ezra Pound said that literature is language charged with meaning. If that is true, then perhaps the essay is truth charged with meaning. But how, you might ask, do we infuse truth with meaning? That is where Oscar Wilde comes in. His warning about “our monstrous worship of facts” is a call for resistance to realism that “finds life crude, and leaves it raw,” and main for the, is born of a desire for art that dictates terms to nature, and not the other way around. “Nature is no great mother who has borne us,” writes Wilde. “She is our creation. It is in our brain that she quickens to life.” The meaningfulness that we draw from apa 6th website narrative, that we draw from juxtapositions and associations, that is born of research and speculation, these are the beautiful untrue things that are the main reason for the civil war proper aim of in marketing art—not the mere mimesis of reality, but the generation of new truths out of for the its building blocks. As an example of Faith in Religions Essay this type of lying at main civil, work in the essay, let us reconsider one of the democratically elected sacred tenets of the genre—that the essay imitates the mind at reason civil, work. The idea is as old as Montaigne, who wrote, “I chiefly paint my thoughts.” Scott Russell Sanders claims that the essay is “the closest thing we have on paper to a record of the individual mind at work and play.” And as I read the Essay about Indian Blue Peafowl lyric essays of writers such as Eula Biss, Brenda Miller, Ander Monson, and others, and experience the meandering, fragmented, associative playfulness of their work, I see what Montaigne and Sanders mean.
And yet, there’s something about this idea that also bespeaks a Wildean Lie. The venerable Carl Klaus writes, “It’s an alluring idea . . . to affirm . . . Main Civil War! that the essay reveals the Faith Essay mind of the essayist.” But Klaus “wonders how one could possibly make such an inference without being privy” to that mind. As he sees it, “the mind’s a fine and main for the civil war, private place, but none I think do there embrace.” If Klaus is right, then the notion that the essay re-creates the mind at work is precisely the kind of stages beautiful , untrue thing that lends both beauty and truth to a lyric essay. Consider for for the civil war a moment Wilde’s own evidence for this concept—the French impressionists. “Where, if not from the Impressionists, do we get those wonderful brown fogs that come creeping down our streets,” asks Wilde. According to apa 6th website, Wilde’s logic, fog didn’t exist until artists gave us a way of seeing it. In other words, the romantic image of for the a London fog is a lie that art has told us about nature. However, such a lie does not mean that these images are untrue, but merely that such images are a truth about the artist, and not necessarily a truth about the world itself. Likewise, where—if not from Montaigne, White, Didion, Biss, and others who play in zigzagging, fragmented forms—do we get our wonderful ideas about the associative, reflexive, even lyric way that our minds process information? The essay might show the mind at work, but only because the essay has given us an idea of how to think about what motivates people, our minds in the first place. War! My true mind is scattershot, it goes off in dead ends, gets stuck on song lyrics, it daydreams, falls asleep, turns on the television and tunes out. My cultivated mind on the page of an Faith and Diversity essay, in contrast, wants always to be alert to the connectivity of main for the civil things.
As Klaus writes, “Even if one could get inside the head of what motivates people another human being, I have a hunch that its workings would turn out to be far messier than anything in a personal essay.” Now, in the first half of this paper, I’ve argued that expressing interiority is the primary role of the lyric essay. But here in main war, the second half I’m arguing against the notion that interiority can be expressed at all, maintaining that such expression is little more than one of Wilde’s beautiful untrue things. But far from negating the first half of my argument, this apparent contradiction proves that the artful life is a necessary part of expressing interiority. Consider other artful lies of the lyric essay, such as the selective cutting away of reality and superfluous details, or the democratically elected amplified significance of certain experiences, certain memories, certain people.
Or the way a lyric essay might adopt a particular form—a final exam, a series of found postcards, a Google map—and the way such forms generate new ways of seeing that go beyond the main civil seemingly inexorable facts of what motivates people nature. “Art itself is really a form of exaggeration,” writes Wilde. “And selection, which is the very spirit of art, is nothing more than an intensified mode of for the civil war over-emphasis.” Of course, we must not take Wilde’s advice entirely to apa 6th website, heart. I’m not sure I would say, as he did in regard to writers of realist fiction: “we have sold our birthright for main war a mess of facts.” But I might venture that in all the discussion and occasional vitriol about the ethics of information in nonfiction, we may have overlooked the ethics of and Diversity Essay art and its integral role in helping us render the interior emotional experiences of our lives—those experiences that must be translated to one another if we are to, as Lopate so aptly put it, help each other feel “a little less lonely and freakish.” So how do we balance our desire to represent real experiences with art’s insistence on the lie? How do we take what nature has given us and move beyond it, not with an arrogant disregard for what actually happened, but with a humble willingness to main, let the essay uncover what actually matters? After all, if Wilde is right about nature being our creation, then any responsibility we have to nature is first a responsibility to ourselves. Judith Kitchen put it this way: “The job of the lyric essayist is to apa 6th website, find the prosody of fact, finger the emotional instrument, play the intuitive and the intrinsic, but all in service to the music of the real. Even if it’’s an imagined actuality. The aim is to make of main civil war not up. The lyre, not the liar.” Consider what Kitchen is saying here: the heart of the lyric essay is and Diversity not reality, not nature, but the music of reality, the music of civil nature as conceived in the mind of the apa 6th website essayist—the music of beautiful untrue things, which, as Wilde says, is the proper aim of art.
 Oscar Wilde, “The Decay of Lying,” in war, Intentions (Portland, ME: Mosher, 1904), p. 3.  Oscar Wilde, The Picture of Dorian Gray.  Honor Moore, “Origin of the Species,” Seneca Review 37, no. 2 (2007): 102.  John D’Agata and apa 6th website, Deborah Tall, “New Terrain: The Lyric Essay,” Seneca Review 27, no. 2 (1997): 3.  Quoted in Paul L. Fortunato, Modernist Aesthetics and Consumer Culture in the Writings of Oscar Wilde (New York: Routledge, 2007), p. 30.  Brian Doyle, Leaping (Chicago: Loyola Press, 2003), pp. 132–40.  Brian Doyle, in for the civil war, email conversation, 14 February 2014.
 Phillip Lopate, “A Skeptical Take,” Seneca Review , 37, no. 2 (2007): 31.  Lawrence Danson, Wilde’s Intentions (Oxford: Clarendon Press, 1997), p. 55.  Ezra Pound, ABC of Reading (New York: New Directions, 2010), p. 36.  Michel de Montaigne, Essays of Michel de Montaigne.  Scott Russell Sanders, “The Singular First Person,” in Essays on the Essay, ed. Alexander J. Butrym (Athens, GA: University of what motivates people Georgia Press, 1989), p. 32.  Carl Klaus, The Made-up Self (Iowa City: University of Iowa Press, 2010), p. 20.
 Phillip Lopate, Art of the main for the civil Personal Essay (New York: Anchor, 1996), p. xxxii.  Judith Kitchen, “Mending Wall,” Seneca Review 37, no. Faith And Diversity In Religions Essay! 2 (2007): 47. Joey Franklin's essays have appeared in The Writer's Chronicle , The Norton Reader , Gettysburg Review , and elsewhere. He was the main civil 2011 winner of the Sport Literate essay contest, and his first collection of technology in marketing essays is due out through University of Nebraska Press in civil war, 2015.
He teaches creative writing and literature at Brigham Young University in Provo, Utah. 339 E. Motivates People! Chicago Ave. Chicago, IL 60611 - 3008. Phone: 312-503-6950 (Chicago) 847-491-5611 (Evanston) Fax: 312-503-4942.
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adams essay In the summer of 2017, we partnered with one of Washington#8217;s top foreign-policy outlets to bring college students#8217; voices into our nation#8217;s foreign policy conversation and to main civil war take a small step toward restoring a healthy, balanced civic debate on the proper scale of our nation#8217;s ambitions and actions abroad. Democratically? We received a deluge of excellent submissions from young voices all across the country, all answering this question: #8220;What benefits could a more restrained, careful foreign policy strategy offer to the United States?#8221; First prize went to reason war Andrew Beddow , who is also president of our University of Michigan chapter. In his essay, Beddow calls for apa 6th website America to reason for the set a clear grand strategy that recognizes the in marketing world#8217;s complexity and thus does not treat international problems as separate and war, readily fixable. Thus, #8220;Intervention is occasionally justified, and the United States both improves the condition of mankind and benefits itself through its continued participation in apa 6th website, international humanitarian efforts and multilateral cooperation. However, intervention must be guided by a grand strategy, one that explicitly enumerates the core interests of the United States and limits activity abroad to main for the civil the securing of these interests. American policymakers must consider whether or not foreign adventures, e.g. taking a moral stand against Russian annexation of Crimea, are sufficiently important all-things-considered to outweigh the technology in marketing plausible negative consequences that will result from this action.
In light of the dynamic nature of the international order, we must also recognize the inherent unpredictability of intervention. Prudence, not beneficence, should be the guiding virtue of foreign policy.#8221; One of our runners up was Enea Gjoza of the Harvard Kennedy School. Gjoza#8217;s essay examines our current strategy of global primacy of #8220;seeking to shape the world through frequent military intervention and by civil, maintaining and exercising overwhelming dominance over potential competitors.#8221; He argues that this strategy has come at a high price in blood and treasure, and yet has failed to make America safer. Apa 6th Website? And this strategy is a departure from America#8217;s traditional posture of restraint. Under that approach, Gjoza writes, #8220;As the other great powers of the day exhausted themselves in conflict against each other throughout the nineteenth and first half of the twentieth century, the United States developed its economy and society in relative peace, intervening substantially only to tip the civil war balance in the World Wars.
This allowed the United States to Essay about Indian Peafowl emerge as an unmatched superpower after the wreckage of the main for the Second World War, with an stages unscathed homeland and approximately half of the world’s GDP. Today, however, the United States is on the other end of the spectrum, taking upon itself the burden of maintaining the global order while other nations enjoy the benefits of main war peace and commerce.#8221; Our other runner up was Matthew Petti of Columbia University. Psychosocial Stages? Petti challenges the conventional view in main reason for the war, Washington that America needs to double down on apa 6th website support for one of our most problematic allies, the Kingdom of Saudi Arabia to treat their enemies as our own and to main for the civil accept their account of the problems in their region. Petti#8217;s essay highlights the failures of such an Essay about Indian approach, calling the current U.S.-Saudi relationship #8220;a valuable case study of allied nations’ sometimes detrimental effect on U.S. foreign policy.#8221; Thus, he writes, #8220;U.S. Main Reason Civil War? support has essentially shielded Saudi Arabia from the technology in marketing negative effects of main its campaign, removing incentives the kingdom has to stages restrain its own actions. From the beginning of Saudi Arabia’s intervention in reason for the civil war, Yemen, the motivates people to work Obama administration supported the Saudi-led coalition with mid-air refueling and advanced munitions. This aid hasn’t quite made up for poor military leadership, but it has passed the main reason for the mounting economic costs onto a foreign guarantor, allowing Saudi forces to maintain their technological edge despite a budget crisis in Indian Blue, the kingdom.
Consequently, American calls for a political solution have fallen on deaf ears; as the Trump administration considers removing some restrictions on support to the Saudi-led coalition, Riyadh will only be encouraged to pursue the main civil war disastrous status quo.#8221; He adds that the war has enabled Al Qaeda in the Arabian Peninsula, one of the most dangerous branches of the terrorist group, to take advantage of the chaos, meaning that #8220;while attempting to please a U.S. In Religions Essay? ally, America is essentially undermining its own domestic security, giving a geographic base to the people responsible for the USS Cole bombing and the Charlie Hebdo shooting.#8221; We received many other excellent submissions that highlight the growing number of talented young leaders across the political spectrum who are eager to bring prudence and restraint back into our foreign policy. We at the Society are here to help them. Below is the original prompt for the essay contest, along with rules for submission. It#8217;s clear that the foreign policy conversation here inside the Beltway is too narrow. No matter what the question is, the answer always seems to be that the United States needs to do more even after fifteen years of war, even with massive national-security expenditures, and even with our already-huge network of alliance commitments and overseas bases. Main For The Civil War? We need your voice to help change the conversation. That#8217;s why we#8217;re partnering with The National Interest one of Washington#8217;s most important foreign policy magazines to launch a new essay contest for apa 6th website college students. Reason Civil? The winners will run in TNI, meaning they#8217;ll be read by many of those who make the decisions and shape the discussions that set our country#8217;s course in the world.
And by appearing in such a respected forum, you#8217;ll help make a name for yourself as a thoughtful, professional voice in international affairs. It#8217;s a tremendous opportunity to restore balance to psychosocial stages the discourse in DC and to build your own personal brand. Moreover, winners will receive a hefty cash prize, and the first twenty submissions will receive a free subscription to TNI. Civil War? Undergraduate, graduate, and Faith and Diversity in Religions, doctoral students who will be attending institutions in civil, the United States in the Fall 2017 semester are welcome to participate. The winning essays will run on TNI’s website and be promoted on social media by both TNI and JQA. Prizes are as follows: • First prize: $1000, essay featured on TNI, two year subscription to TNI. • Runner up (two): $250, essay featured on TNI, one year subscription to TNI. Additionally, the first twenty submissions will receive a free one-year subscription to technology in marketing the National Interest . Submissions shall answer the following question: What benefits could a more restrained, careful foreign policy strategy offer to the United States?
Submissions shall be between 1000 and 1500 words, and are due by 11:59pm Eastern Time on Sunday, June 18, 2017, by following the main for the civil instructions at this link. Sources should be hyperlinked, rather than footnoted, when possible. Complete rules follow: Student Foreign Policy Essay CONTEST RULES. 1. SPONSOR: The sponsor of the Student Foreign Policy Essay Contest (the “Contest”) is the John Quincy Adams Society. (the “Sponsor”). Faith? 2. ELIGIBILITY: Contest entrants must be legal residents of the fifty (50) United States and main reason war, the District of Columbia aged 18 years or older, except where prohibited. Employees, officers, and directors of the Sponsor, and its subsidiaries, affiliates, and divisions (“Related Entities”) and their immediate families (parents, children, siblings and their spouses) and household members (whether or not related) of psychosocial stages each are not eligible to enter. Anyone serving as a contest judge is ineligible for the Contest.
The Contest is void outside the fifty (50) United States, the District of Columbia and where prohibited and main reason war, restricted by any federal, state, or local law, rule, or regulation (“Law”). The Contest is subject to all Law. 3. HOW TO ENTER: The Contest begins on psychosocial stages April 26, 2017 at main civil 12:00PM ET and ends at 11:59PM ET, Sunday, June 18, 2017 (the “Contest Period”). To be eligible for the Contest, you must: • Before the end of the democratically Contest Period, go to the Contest entry page at this link, and submit an essay between 1000 and 1500 words in length on the topic of main reason civil “the benefits of a more restrained, careful foreign policy for the United States.” To be eligible to submit a Contest entry, you must be enrolled as of the fall of 2017 in an accredited postsecondary institution or program listed in the U.S. Department of Education’s most recent database (http://ope.ed.gov/accreditation/GetDownLoadFile.aspx). No person may submit more than one Contest entry. Attempting to submit multiple Contest entries will result in what motivates people, your disqualification from the Contest. Your participation in the Contest is optional and at your sole and absolute discretion. 4. PROHIBITED CONTENT: By entering the main reason for the civil war Contest you agree not to democratically elected create or submit a Contest entry that: • Infringes on any patent, trademark, trade secret, copyright, or other proprietary or property rights of any party; • May be deemed, within the meaning of Law, to be electioneering communications, intervention in a political or electoral campaign, or lobbying; • Is unlawful, threatening, harassing, abusive, obscene, vulgar, harmful, tortious, defamatory, libelous, false, invasive of main for the another’s privacy, hateful racially, ethnically, or otherwise, or in any other way objectionable; • You do not have the apa 6th website legal or contractual right to make available pursuant to any Law, or under any contractual or fiduciary relationship (such as inside information, proprietary information, and confidential information, learned or disclosed as part of employment relationships or under nondisclosure agreements); • Harms minors in any way; or. • Violates any Law, intentionally or unintentionally.
The Sponsor reserves the right to disqualify any and all Contest entries that violate the above conditions, or for any other reason at any time without prior notice. 5. JUDGING AND SELECTION OF PRIZE WINNERS: All contest entries will be judged based on the following criteria: • Originality in thought (40%) • Demonstrated understanding of foreign policy (40%) • Composition and style (20%) 6. PRIZES : On or about June 23, 2017, three prize winners will be announced (the “Prize Winners”). The Prize Winners shall receive the reason for the war following (the “Prize(s)”): • First Prize – $1000.00, two years’ subscription to The National Interest. ?• Runners Up (2) – $250.00, one year subscription to democratically The National Interest. All Prizes will be paid in reason civil, United States Dollars. The approximate retail value of the Prizes are as follows: First Prize $1039.95; Runner Up $279.95. The winning essays will be published on The National Interest ’s website. 7. Faith Essay? PRIZE RESTRICTIONS: The specifics of all elements of the Prizes stated in these Contest rules shall be determined by Sponsor in its sole and main reason civil, absolute discretion. If an alternate prize is substituted and awarded: any portion of the alternate prize not used by any Prize Winner is motivates to work, forfeited and reason for the civil war, no substitute will be offered or permitted; all elements of the Prize being offered are: (a) provided “as is” with no warranty or guarantee either express or implied by stages, Sponsor; (b) without warranty other than that offered by servicers or as required by Law; (c) provided without making the Sponsor responsible or liable for main reason civil war any warranty, representation, or guarantee, express or implied, in fact or in law, relative to the Prize, including but not limited to their quality or fitness for a particular purpose; and (d) if applicable, not transferable or redeemable for cash and may not be extended, transferred or substituted, except that the Sponsor may substitute a prize of equal or greater value when necessary (not to exceed $1039.95 for the First Prize or $279.95 for the Runner Up), as determined in its sole and absolute discretion (any such changes will be announced at the sole and absolute discretion of the Sponsor).
Each Prize Winner assumes sole responsibility for all costs associated with any elements of the Prize not explicitly included as part of the technology Prize, including without limitation, all federal, state and local taxes (if any), fees, surcharges, or other expenses. Other restrictions may apply. In compliance with United States Internal Revenue Service regulations, the main civil Sponsor will send a Form 1099-MISC to any Prize Winner, which requires disclosure to the Sponsor of the Prize Winner’s Social Security number. Prize Winners remain solely responsible for paying all federal and other taxes in accordance with Laws that apply in the Prize Winner’s state of democratically residence. Main Reason For The Civil? 8. PRIZE WINNER NOTIFICATION: The Prize Winners will be announced by a means reasonably calculated by the Sponsor to elected reach all Contest entrants. Following the announcement of the Prize Winners, the individuals selected as the Prize Winners will be notified via email or telephone within three days from the date of main for the selection by the Sponsor based on technology in marketing the information provided by that person on his or her entry form. The Prize Winners will be required to complete, sign, and return an Affidavit of Eligibility, Liability Release, and Publicity Release (the “Winners Affidavit”) within fourteen days of the date the Sponsor provides a Prize Winner the notification email or call. If a Prize Winner fails to satisfy any eligibility requirements, declines to accept the Prize, or is for the civil, ineligible for any other reason, the Prize Winner may be disqualified and Indian Blue, an alternate winner may be selected at the sole and absolute discretion of the for the civil war Sponsor. Psychosocial? Noncompliance with any of these Contest rules may result in for the, disqualification.
The Sponsor is Faith, not responsible for fraudulent communications made by third parties to for the Contest entrants or the democratically Prize Winners. Main War? A Prize Winner is not an official winner until the Prize Winner returns the Winner’s Affidavit and eligibility has otherwise been formally verified by apa 6th website, the Sponsor. 9. OWNERSHIP OF YOUR CONTEST ENTRY : By submitting your Contest entry you hereby relinquish, grant, transfer, assign, and deliver to the Sponsor all right, title, and for the civil, interest of apa 6th website every kind and nature whatsoever that you have in the essay you write as part of your Contest entry, including the copyright and civil war, all other intellectual property rights thereto. As a condition of receiving your prize, you may be required to Indian execute additional documentation such as copyright assignments to sponsor of main reason civil your Contest Essay. In addition, you hereby irrevocably assign to about Indian Blue the Sponsor all causes of action, including accrued, existing, and reason for the civil war, future causes of action, arising out of or related to the rights, including copyrights, in and Diversity in Religions, and to the essay you write as part of your Contest entry. 10. DISPUTES: By participating, entrants release Sponsor and its parent companies, affiliates, subsidiaries, and their members, directors, officers, employees, and reason civil, agents from Essay any and all liability with respect to all aspects of the Contest including all losses, damage or bodily injury resulting from reason for the civil participation in this Contest, and the possession, acceptance, or misuse of prizes. By entering the Contest, you agree that (a) any and all disputes, claims, and causes of action arising out of in marketing or connected to the Contest or the Prize, shall be resolved individually, without resort to any form of for the civil class action; (b) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering the in marketing Contest but in no event attorneys’ fees; and (c) under no circumstances will any entrant be permitted to obtain any award for, and you hereby waive all rights to, any claim; punitive, incidental, or consequential damages; and any and all rights to have damages multiplied or otherwise increased and any other damages, other than for actual out-of-pocket expenses. All issues and questions concerning the construction, validity, interpretation, and enforceability of these Contest rules, or the rights and obligations of the entrants and Sponsor in for the civil, connection with the Contest, shall be governed by and construed in accordance with the laws of Virginia without giving effect to any choice of law or conflict of law rules or provisions that would cause the application of the laws of any jurisdiction other than the Commonwealth of Virginia. Any legal proceedings arising out of this Contest or relating to these Contest rules shall be instituted only in stages, the federal courts located in the Eastern District of main reason for the civil Virginia, and the parties consent to jurisdiction therein with respect to any legal proceedings or disputes of whatever nature arising under or relating to these Contest rules.
The invalidity or unenforceability of any provision of these Contest rules shall not affect the validity or enforceability of any other provision. In the democratically event that any provision is determined to be invalid or otherwise unenforceable or illegal, these Contest rules shall otherwise remain in main civil, effect and apa 6th website, be construed in accordance with their terms as if the invalid or illegal provision were not contained in these Contest rules. 11. INTERNET: If for any reason this Contest is not capable of running as planned due to an infection by a computer virus, bugs, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of the Sponsor that corrupt or affect the administration, security, fairness, integrity, or proper conduct of this Contest, the Sponsor reserves the right at its sole and absolute discretion to cancel, terminate, modify, or suspend the Contest. The Sponsor assumes no responsibility for reason civil war any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, or theft, destruction, or unauthorized access to or alteration of entries. The Sponsor is psychosocial, not responsible for any problems or technical malfunctions of any telephone network or telephone lines, computer online systems, servers, or providers, computer equipment, software, failure of any email or entry to be received by the Sponsor due to main for the civil technical problems, human error or traffic congestion on the internet or at any website, or any combination thereof, including any injury or damage to your or any other person’s computer relating to or resulting from stages participating in this Contest or downloading any materials in this Contest. CAUTION: ANY ATTEMPT TO DELIBERATELY DAMAGE ANY WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE CONTEST MAY BE A VIOLATION OF CRIMINAL AND CIVIL LAWS. SHOULD SUCH AN ATTEMPT BE MADE, THE SPONSOR RESERVES THE RIGHT TO SEEK DAMAGES OR OTHER REMEDIES FROM ANY SUCH PERSON(S) RESPONSIBLE FOR THE ATTEMPT TO THE FULLEST EXTENT PERMITTED BY LAW.
The Sponsor reserves the right to prohibit any person from participating in the Contest if, at its sole and absolute discretion, the Sponsor finds such person to reason for the war be tampering with the Essay entry process or the operation of the Contest, or if such participant repeatedly shows a disregard for reason for the civil war or attempts to circumvent these Contest rules, or acts: (x) in a manner the Sponsor determines to be not fair or equitable; (y) with an intent to annoy, threaten, or harass any other entrant, the Sponsor, or related entities; or (z) in any other disruptive manner. The Sponsor reserves the technology in marketing right to cancel, terminate, modify, or suspend the main for the civil Contest at its sole and absolute discretion. 14. WINNERS’ LIST/CONTEST RULES: To request an official Prize Winners list or a copy of these Contest rules, both available through September 1, 2017, send an stages email to email@example.com. Note: Section 2 was updated on 5/4/2017 to reason for the war update the technology in marketing list of eligible locations.
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Essay On Celebrity Gossip Essays and Research Papers. ? Celebrity Gossip Industry “Khloe Kardashian Caught With Another Man!” “Kanye Cheats on Kim!” “Was Rihanna Pregnant?” These . are all headlines from celebrity gossip magazines. The gossip industry has become a very influence part of our society. Tabloids try to influence us by telling us what to do, what to main civil war, wear, how to eat, what’s sexy and what’s not. Psychosocial! Tabloids discover ways to war, do more than just commercialize products, they advertise people. Celebrities have become a business in motivates people to work, themselves by endorsing. Celebrity , Celebrity magazines , Gossip columnist 1562 Words | 4 Pages. Celebrities should not be idolized. Today I am going to discuss why teenagers and children spend too much time following the lives of main for the civil war, . celebrities , and Essay Indian, why it creates such a negative impact on young lives in main reason war, this generation.
Nowadays, celebrities include a wide range of genres. Pop stars like Lady Gaga, actors like Leonardo DiCaprio, comedians like Robin Williams and sport athletes like Ian Thorpe. The list of different celebrities goes on, which caters for everyone’s interests. Psychosocial Stages! And this is the. Actor , Celebrity , Famous for being famous 989 Words | 3 Pages.
Subject: Media Question is: To what extent is the media impacted by the rise of celebrities ? Media is a huge area which connects people . around the world, informs them, entertains and main reason for the civil war, educates them. It is impossible to Faith in Religions Essay, imagine a contemporary world without media. Media is the Internet, music, television, advertising and billboards on the streets. One of the most important parts of the media are celebrities . People originally like to civil war, know about the Faith in Religions life of famous people, they follow their life. Advertising , Celebrity , Internet 1139 Words | 4 Pages. Celebrity Role Models A state in which the mind is civil, elevated above the reach of ordinary impressions, unconscious of psychosocial, sensible objects, and . under the influence of overpowering emotions celebrities find irresistible and enticing. Celebrities distinguish themselves in such ways that others admire and want to emulate.
Celebrities are worthy of imitation; everyone needs a role model. The immense amount of drug usage that celebrities , athletes, professionals, and politicians take part in reason for the civil war, has improved. 2009 NBA Playoffs , Bill Clinton , Celebrity 1089 Words | 3 Pages. The celebrity will always be accepted in a judgmental world even if they are brought down at apa 6th website times because their super fans portray them as . Main Reason Civil! idols. Essay! Bridge: Celebrities are irresistible to the extent where people always want to be connected with them. War! The obsession with celebrities has developed rapidly leading them to have a significant impact on many individuals.
They are perceived as being of what to work, high social status, which is intriguing to a materialistic world. Thesis Statement: Celebrity is especially. Celebrity , People , Significant figures 1335 Words | 4 Pages. This research essay focuses on the topic of the celebrity phenomenon. Celebrities impact everyone’s lives, whether . through influence, role model or just because their faces are seen on television, magazines, billboards and so on. There are a few things in life that occur through sheer coincidence, particularly on such a massive scale. The issue however, is whether or not the for the celebrity phenomenon has any value to society. I take the view, and use supporting evidence, that the celebrity phenomenon is. Bobby Brown , Celebrity , Celebrity Worship Syndrome 1581 Words | 5 Pages. History of in marketing, Reality TV Celebrities. the early 1970’s with shows like An American Family and Candid Camera.
From then, different authors have discussed the reason war evolution of the genre and how its . personalities were launched into the world of apa 6th website, celebrities . In this essay I will summarize the history of main for the war, reality television and its celebrities and democratically elected, how the main war audience views the uprising of the what to work genre. From the beginning, these shows have provided the entertainment without the actors, making it all seem more real and defining the genre as “Reality. American Idol , An American Family , Cancellation 1281 Words | 4 Pages. Pressures of for the civil war, Society on Celebrities. Synthesis Essay : Pressures of psychosocial, Society My topic focuses on societal pressures on celebrities and main civil, people. While research may . confirm that both celebrities and people have the same problems, you can’t help but notice that celebrities are more judged. This is in marketing, a highly controversial topic because we are so quick to judge someone based on their actions without really knowing them. Main Reason Civil War! While some people think celebrities are a bad influence some still think they can also have some benefits to the community. Actor , Celebrities , Celebrity 1005 Words | 3 Pages. Limosnero(1) Archer Research paper 910214427 Celebrity Obsession Today’s generation has been raised in and Diversity in Religions, a . celebrity -obsessed media and, as a result, has consequently made teens idolize these average people that the reason for the civil media deems as “stars”. What Motivates People To Work! It is not just a couple of blurbs here and there about celebrities , but instead there are entire shows solely devoted to celebrity gossip . Reason For The Civil War! People follow the personal lives of celebrities as if it were their own.
For example, when my sister was in. Adolescence , Celebrity , Celebrity Worship Syndrome 1144 Words | 4 Pages. . IS OUR NEW RELIGION FAME, AND CELEBRITIES OUR ‘GODS’? Are Hollywood news or gossip shows like Entertainment Tonight , Extra , The Insider , and Access Hollywood among the TV programs you regularly watch? Have you ever felt almost giddy with anticipation while standing in line for tickets to the newest.
Celebrities , Celebrity , Celebrity Worship Syndrome 1757 Words | 6 Pages. is it that when the word ‘ gossip ’ is used, it is done so mostly in a negative connotation? Why is it that every major world religion cautions . against technology gossiping? Is it really that bad? The correct answer is main civil war, ‘no’. It is ignorant to discredit gossip as an unnecessary social evil.
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products that they want, tag photos in Facebook, post photos with digital filter through Instagram, post videos when a product can be used as well as how to . use it and others. Above all that, the other way to do social media marketing is through celebrity endorsement in a competition to get more customers and escalate their brand image as an additional value. 2. Research Purpose Social media marketing is a type of Internet marketing which seeks to accomplish goals with the contribution of. Celebrity , Electronic commerce , Online shopping 1490 Words | 6 Pages. Celebrity News 1 Introduction Brad and Jennifer, Martha Stewart, and Michael Jackson are more than just names of stages, celebrities . Main Reason Civil! we all know so well. In Marketing! Upon mentioning these names the main reason for the general public would automatically associate their names with the stories of their being plastered throughout the media from talk shows, magazines, and even clothing. The media has become such a dominant part of today’s society, but how much of stages, American culture and ideals are centered on the lives of celebrities portrayed. Celebrities , Celebrity , Celebrity Worship Syndrome 2320 Words | 7 Pages. ?Introduction Each celebrity is an individual human that has achieved public recognition for a reason; this can be due to main reason for the civil, their creative . talent or based on sporting event (Iqani, 2012: 84).
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Adolescence , Celebrity , Form of the reason for the civil war Good 1425 Words | 4 Pages. Scope People in the public eye consists of politicians, athletes, celebrities and other individuals who are famous. For our presentation . we will be concentrating on celebrities and whether they should expect their privacy to be respected by the media. Faith And Diversity In Religions Essay! Media comes in various forms, with the more common ones being newspapers, tabloids, radio, paparazzi, internet, social media and main civil, many more. A conflict of rights? Article 8 of the European Convention on Human Rights stated that every person.
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Although gossip is often derogatory most working individuals have either engaged in it or have been a victim of it. I t can also be referred to as a form of work place bullying and have a detrimental. Beth Ditto , Employment , Gossip 1480 Words | 5 Pages. Persuasive Essay : Many people would be happy and satisfied if they were in a relationship with money and fame. Doesn't that seem like the Faith and Diversity . Main For The! perfect life?
Everyone begins to think that in life that's all that matters, and Essay about Indian Peafowl, that's all they need, nothing could be better. For The! Society dictates our morals, feelings, the way we do things and try's to tell us certain things we do are wrong and we need to do them the way they feel necessary. Democratically Elected! Our generations to come will have no clue what the main reason for the civil war meaning of a true. Celebrity , Civil disobedience , Concord, Massachusetts 2066 Words | 5 Pages. ‘In the apa 6th website world of celebrity , it is the for the civil body that is central to the individual’s success’ Critically explore this statement, using examples to . What Motivates People! illustrate your response. Celebrity culture in the twenty first century gives the main for the war public a level of excitement and interest that seems, for one reason or another, disproportionate.
Nowadays, culture privileges the motivates people momentary, the visual and the sensational over main for the civil, enduring, the in Religions Essay written, and the rational. Celebrities are described by some as extraordinary individuals. Body mass index , Body shape , Britney Spears 1846 Words | 5 Pages. Cheuk Wong Celebrities are smart? Nah…. Oh, look, Lindsay Lohan is being accused of main war, stealing from a necklace from a jewelry store. Yes, what . you are reading is correct.
A necklace. You would think a celebrity with more money than the ninety-nine percent of the population of in marketing, America would be able to reason civil war, afford an eye-catching necklace. Technology! The jewelry store reported the necklace. For The Civil! Lohan was eventually caught after being photographed by elected, the paparazzi wearing the necklace and main reason for the civil, video surveillance confirmed. Celebrity , Herbie: Fully Loaded , Kim Kardashian 2011 Words | 5 Pages. Celebrities are made of different types of people who all want to live the what motivates to work rich and famous lifestyle. Some celebrities do . everything they can just to be in the public eye but others just accept the main civil war fame because they enjoy it. Faith In Religions! Personally, I feel some celebrities must be mad to do certain things just because they want attention from the media, but I also think other celebrities are happy to enjoy themselves while living the dream. Nowadays, a large number of the lesser known celebrities only become. Actor , Celebrity , Movie star 632 Words | 2 Pages. Is Celebrity Worship Syndrome A Bad Thing?
I have a friend who is an affectionate fan of Super Junior, the main reason for the civil war famous South Korean boys group. . Stages! She can confidently list out the birthdates, height, weight and other details/information of all the thirteen members in the group. She is reason for the civil war, proud as a Super Junior’s devotee. However, she contemplated and replied me with an awkward smile when I asked her about her parents’ birthdates. As ironic as it seems, but this may happen on you too! You could possibly name. Celebrities , Celebrity , Celebrity Worship Syndrome 1848 Words | 6 Pages. Ethical Responsibilities of Celebrities.
Do celebrities have ethical responsibilities to set good examples to young people? Aainaa Azmi Abigail Palmer Raveena Devi Soon Tsuey Jing . Sanjeetha Raja Segi University College American Degree Program Summer 2012 Do celebrities have ethical responsibilities to set good examples for young people? Young people nowadays need role models more than they ever needed before. We can see that crimes rates involving youngsters are increasing worldwide. Essay About! One of the main for the war possible causes is that.
Celebrity , Human , Mary-Kate and Ashley Olsen 2039 Words | 6 Pages. The Toxic Society: Celebrity Culture. ?Yung-Ching, Yang Writing 140 Sec 64715 Amanda Weldy Boyd Assignment #5 2013/04/25 The Toxic Society: Celebrity Culture “Gangnam Style,” . popular K-Pop single released by Psy, musician, received unexpected feedback from the apa 6th website whole world which brought up a novel trend of main war, outrageous dancing gesture and distinguished music style that people were crazy about. In Marketing! Pop singers can be so influential to reason war, society boundlessly nowadays that they create a whole new fashion trend or culture for people to follow. Celebrities , Celebrity , Celebrity Worship Syndrome 1171 Words | 6 Pages. Thesis Statement: Parents and celebrities influence the child in many ways. Parents instill the psychosocial stages basic principles of life like personal . hygiene, behavior in public, approach to studies, and respect for main for the civil war, others while celebrities influence the major aspects of a person’s character such as the way he/she gets dressed, role in apa 6th website, society, career, and personality development.
Personality Development: Parents: Play major role as they are the first influence to the child and main reason, should try to develop his personality. Celebrity , Father , Morality 1135 Words | 4 Pages. ? Gossip Sites A recent trend on college campuses today is the use of campus gossip sites, where students can post campus . related news, rumors, and basic gossip . Apa 6th Website! These sites were originally set up to promote free speech and to main reason civil war, allow participants to publish comments anonymously without repercussions from school administrators, professors, and other officials. However, they are now being used to post vicious comments about others. For this project, form an opinion and write a narrative about the. Citation , Website 815 Words | 4 Pages.
Reality vs. Gossip Using news channels or juicy gossip for an update about some celebrity is overly used by the . media, frequently. New reporters take advantage if their careers and rudely butt into elected, other people’s lives based on main for the war, their social status because reporters need a reason to keep the viewers of their broadcast interested in their channel feed. Apa 6th Website! It needs to be more about important things like the weather or if something catastrophic has or is happening. That is what E! News, a channel dedicated.
Facebook , Internet , Mass media 1199 Words | 3 Pages. How Does the Media Negatively Affect the Public and Celebrities. public and celebrities ? The short answer is main for the civil war, yes, it does. There are a variety of reasons for this, but I have leant that the main reason is Essay Indian, . money. Main For The! People within the media industry want to psychosocial, get rich, and they want to get rich fast. A prime example of this is the paparazzi. Our obsession with celebrities is growing by the day, but have you ever wondered who the paparazzi are? How celebrity’s personal moments get immortalized in main reason for the civil, gossip magazines? The desire to feed the hunger for celebrity news is driving. 21st century , Angelina Jolie , Brad Pitt 999 Words | 3 Pages. Celebrity Essay: Why they deserve the money they make.
famous actors and celebrities receive multi-million dollar salaries. Many people believe these salaries are excessive; others believe they are . justifiable. I strongly feel that they earned their multi-million dollar salaries. Most of us, the common people seem relent the hardships and suffering the democratically elected familys of the famous go through. Also they endure increasingly long workdays that most of reason for the civil, us would not be able to endure, hence that not everyone is a celeb. In addition, celebrities give back millions. Brad Pitt , Celebrity , Oprah Winfrey 1245 Words | 3 Pages. public as well. This essay will discuss the various aspects of celebrity endorsement as a prevailing advertising technique along . with critical evaluation of the technology phenomenon of for the civil war, multiple celebrity endorsement as a marketing tool and democratically, the and will conclude with taking on main reason civil, overview of possible impacts of this technique on today's marketing world. It is a well known fact that many companies spend huge amount of elected, money to for the civil war, get their products endorsed by psychosocial, prominent public figures ( celebrities ).But why do companies. Advertising , Brand , Celebrities 2330 Words | 7 Pages.
Celebrity Role Models Children Emulate. Celebrity Role Models Children Emulate Gary Gardner July 11, 2010 Com 150 Phyllis Rosenburg Celebrities are all around us . influencing our children; they are on the radio, televisions, computers, ipods and even on cellular phones. Our children hear and see what they do in our homes, cars, stores, and even in their classrooms. Though some celebrities can be a negative influence on children, some can have a positive impact because children will mimic what they see. Reason War! There are several celebrities. Actor , Amy Winehouse , Annika Sorenstam 941 Words | 3 Pages. Influence From Celebrities From the technology day we were born, or even earlier when we were created in the uterus, we have been constantly . influenced by our surroundings, whether they are living things or nonliving objects.
Parental genes and main, nutrition influence the development of human body. Schools, teachers, peers, and Faith Essay, TV shows help form our perspectives of the reason for the world which we live in. Among so many sources of influence, the Faith in Religions Essay influence of parents and reason for the war, the influence of democratically, celebrities are two of for the civil war, the. Free will , Imitation , Life 1007 Words | 4 Pages. Celebrity Endorsement-Really A Success Factor for Marketers Sheetal Singla*, Bhai Gurdas Instiutute of Engineering amp; Technology, Sangrur . Apa 6th Website! __________________________________________________________________ Abstract: It is main for the war, a frequently used approach in marketing for all brands. In India, celebrities are idolized as Gods and marketers have been trying their best to tap on Essay about Blue Peafowl, this emotional connect with the celebrities . Today, most of the for the popular brands are being endorsed by psychosocial stages, a famous personality. Advertising , Amitabh Bachchan , Brand 1865 Words | 6 Pages. The Stalking of Celebrities Stalking remains Hollywood's recurrent celebrity nightmare.1 Never before have we been able to . Civil! know as much about a star as we do about psychosocial stages a close pal. Thanks to main for the civil, publications and TV shows that cater to the public appetite for celebrity news, there's little privacy for stars. Stages! We learn the minor details of their lives--from an early schooling, to first kiss, last divorce, drug problems, hopes and fears.2 Celebrities on main reason for the civil, their own property are not safe from high-powered lenses.
Abuse , Celebrity , Harassment 1224 Words | 3 Pages. exclusively formulated to suit ethnic skin tones, free from apa 6th website blueish and pasty undertones and war, also been made suitable for humid and hot weather. Apa 6th Website! Wheras . psychographically, they are catering the main reason demanding needs of apa 6th website, women today especially the main reason for the civil war artists and celebrities who tend to what motivates people, have tight schedule. 2. Promotion objectives As the main for the civil war products are already introduced to psychosocial stages, the market for years, the main for the war purposes of elected, advertising then could be to remind and persuade customers to for the, opt for their product when considering. Advertising , Brand , Human skin color 940 Words | 4 Pages. Celebrities should not have a right to Faith in Religions, a private life. The social media nowadays are booming with countless news on celebrities . Countless celebrity gossips of who is . currently dating who, what they did when they had gotten drunk, which celebrity was arrested and for the civil war, even which starlet has ruined whose relationship (Ortiz n.d.). The gossips on celebrities from media are endless.
So who are these celebrities and why are they making headlines so much and invading our new feeds? Well, celebrities are also known as public figures and they are idolized by the. Celebrity , Mass media , Michael Jackson 1526 Words | 4 Pages. Submitted by: Anusha Arun M.Des 2nd sem Celebrity Endorser Influence on Attitude towards Advertisements and Brands Abstract The . Democratically! research paper was written by Bahram Ranjbarian Associate Professor of Management, Zahra Shekarchizade, Zahra Momeni, Master Students of Business Management from The University of Isfahan, Iran. The research was conducted in reason for the, Iranin 2009 and was published in European Journal of Science in 2010. This study aims to analyze the celebrity endorser influence on democratically elected, attitude toward.
Advertising , Aligarh Muslim University , Arithmetic mean 731 Words | 3 Pages. Celebrity Culture Another trait which defines America’s culture and identity is the culture of celebrities . With plenty of . wealth, fame, and attention, celebrities display to the middle and lower class citizens the ways of life of upper class citizens and nationwide divas. Moreover, they advance these images of reason war, themselves by Essay about Indian Blue, exhibiting their multi-bedroom houses and main civil, mansions, multiple vehicles, designer clothing, and their extravagant jewelry. The feeling of being “on top of the psychosocial stages world” only guides. Celebrities , Celebrity , Famous for main reason for the, being famous 950 Words | 3 Pages. Do you think celebrity activism is a positive or negative thing? That’s the question.
To me, I think celebrity activism has a . very positive effect on society and should become more popular. More celebrities should become activists because activists have a long successful history, celebrity activism helps draw attention to all different kinds of technology in marketing, issues activism gives celebrities an opportunity to use their wealth for main for the civil war, the good of psychosocial stages, something greater than themselves. Celebrity activism really helps. Activism , Activism industry , Activists 732 Words | 3 Pages. How the main reason for the war celebrity endorsement advertisement influence consumers in a negative way Professional research and and Diversity in Religions, Evaluation Student name: . Main Reason Civil War! Jiang WeiWei Student number: 3363314 April, 2013 Abstract The goal of technology, this research is to grasp consumers’ negative reaction of celebrity endorsement advertisement (including the reaction of over celebrity endorsement ads, celebrity’s over-endorsement and celebrity’s negative performance). Main For The War! The aim of this study. Additional insured , Advertising , Endorsement 1481 Words | 5 Pages. The problem for Celebrity Cruises was clear in they needed to define a clear positioning for its customers and figure out a way to keep the stages . demand strong maintain market share and focus on specific customers in their target market. This meant Celebrity cruises had problems with their strategies and civil war, less importantly their operations. Celebrity needed to figure out a way to retain customs with different expectations within their target market whether or not they were initial cruisers, seasonal cruisers.
Carnival Cruise Lines , Cruise , Cruise line 1371 Words | 4 Pages. Impact of Faith and Diversity, celebrity endorsements on reason for the civil, brand promotion. ? RESEARCH PROPOSAL “ THE IMPACT OF CELEBRITY ENDORSEMENTS ON BRAND PROMOTION “ INDEX 1. Introduction 2. Objective . 3. Hypothesis 4. Literature Review 5. Framework 6. Methodology ( questionnaires ) 7. Limitation 8. Timeline 9. Reference Introduction Brands often use celebrities to apa 6th website, get an impact, make an reason, image of a product or a brand and to promote their product, because they are seen by the public as credible source of and Diversity in Religions, information about the main for the civil product or a company. Advertising , Brand , Brand management 1043 Words | 6 Pages. What is celebrity endorsement?
Defining a ' Celebrity ' Celebrities are people who enjoy public . recognition by a large share of Blue, a certain group of people. Whereas attributes like attractiveness, extraordinary lifestyle or special skills are just examples and specific common characteristics cannot be observed, it can be said that within a corresponding social group, celebrities generally differ from the social norm and enjoy a high degree of public awareness. Celebrity endorsement. Advertising , Air Jordan , Brand 1008 Words | 5 Pages. Do celebrity endorsements work? Celebrity endorsement, this is when a Brand uses a celebrity to help sell there . product, service or charity. This may be in adverts, creating a line, or in the case of charity attending different events, fundraising or being a face of a charity. There are both advantages and disadvantages of using celebrity endorsements, for many brands it is about them being noticed, and catching the attention of there market and many brands think that by using a celebrity known.
Advertising , Brand , Communication design 913 Words | 3 Pages. the Queen; we follow them, we love them. But has our obsession with celebrities gone too far? So ask yourself: why are we “infected” with this . viral disease? Does celebrity worship syndrome affect us? What type of celebrity do we classify as a one we would follow? Why has the Twitter revolution changed our views of celebrities ? And most importantly, who do we blame for our addictive behaviour? We must turn away from our celebrity driven life and main for the war, be our own mind controllers.
So why are we “infected”. Celebrities , Celebrity , Celebrity Worship Syndrome 1013 Words | 3 Pages. Fits All: Bono and the Complexity of Celebrity Diplomacy Andrew F. Cooper Emma Markoff 130306350 Yasmine Shamsie Daniel Saad . Tutorial A-2 PO 111-A Tuesday, November 12th, 2013 Andrew F. Cooper, a political science professor, carefully depicts the role of celebrity engagement in global governance in his published article “Beyond One Image Fits All: Bono and apa 6th website, the Complexity of Celebrity Diplomacy”. Through the use of main civil, two contrasting celebrities as exemplars; Jeffrey Sachs- an American. Angelina Jolie , Celebrity , International relations 1144 Words | 4 Pages.
Is Celebrity Obsession Destroying Our Society? Is Celebrity Obsession Destroying Our Society? Is our fixation on the famous an Peafowl, escape from main reason for the our lives? The pedestal on in marketing, which we have put . movie stars, sports figures, and famous people could give some people neck strain. Main Civil War! We idolize them, follow their every move, and treat them as modern gods. There is a giant media subculture around the cult of technology in marketing, personality.
Gossip and news about the reason civil rich and technology, famous is big business. For The! Magazines like People and Us Weekly, TV shows like Access Hollywood and Entertainment. Celebrities , Celebrity , Celebrity Worship Syndrome 2243 Words | 6 Pages. The fictional two-hundred paged book Gossip Girl is and Diversity in Religions, written by main reason for the civil, Cecily von Ziegesar. The book was published in May of 2002.
The setting of . this story is taken place in New York City's Upper East Side during the fall in 2001. The story begins with Blair Waldorf attending a party at her house with her friends Kati Farkas and Isabel Coates. Soon after, Blair sneaks away from the party to her bedroom in motivates people to work, order to have sex with her boyfriend, Nate Archibald. However, they are interrupted. Blair Waldorf , Chuck Bass , Gossip Girl 908 Words | 3 Pages. Celebrity Justice Lindsay Lohan, Nicole Ritchie, Paris Hilton, Tiger Woods, Nicholas Cage - the list of celebrities who have . been arrested or charged with a crime is main war, a long one. Drug possession, lying to psychosocial stages, investigators, driving while intoxicated, shoplifting - the list of offenses is main for the civil war, also a long one.
When arrested, are celebrities held to the same standards of elected, justice as the rest of us, or do they receive special treatment in the legal system? If convicted how, do their sentences compare to those. Celebrity , Crime , Criminal justice 1375 Words | 4 Pages. Celebrity Privacy How do you feel about celebrities and their privacy? Can you imagine being watched by reporters everyday . of your life? Once celebrities reach a certain level of reason war, fame, their private lives become the topic of about, discussion among their fans and reason for the civil war, foes. Privacy is not guaranteed among famous people due to them constantly being stalked by the paparazzi and their fans. I feel reporters and the paparazzi should respect celebrities right to privacy because at the end of the day they. Britney Spears , Celebrity , Lady Gaga 1233 Words | 4 Pages. Essays are generally scholarly pieces of Essay Peafowl, writing written from an author's personal point of view, but the definition is vague, overlapping with . those of an for the civil, article, a pamphlet and a short story. Essays can consist of apa 6th website, a number of for the war, elements, including: literary criticism, political manifestos, learned arguments, observations of daily life, recollections, and stages, reflections of the author.
Almost all modern essays are written in prose, but works in main for the war, verse have been dubbed essays (e.g. Alexander Pope's. Alexander Pope , Essay , Essays 1053 Words | 4 Pages. Celebrity Endorsement Introduction Celebrity branding is a type of branding or advertising, in which a . celebrity becomes a brand ambassador and uses his or her status in society to promote a product, service or charity and sometimes also appear as a promotional model.  There are various ways in which a celebrity can endorse a product: 1. Simply appearing in advertisements 2. Just give voice over in the advertisement 3. Motivates To Work! Attend PR events 4. Create his or her own line of. Advertising , Brand , Brand management 1460 Words | 7 Pages. probably noticed, essay writing assignments can pop up in any class.
An essay is a literary composition that expresses a . certain idea, claim, or concept and backs it up with supporting statements. For The Civil! It will follow a logical pattern, to Faith Essay, include an introductory paragraph (make the claim), a body (support), and a conclusion (summary of statements and reason war, support). English and literature teachers use them on a regular basis, but essays are required in many other types of Faith in Religions Essay, classes. Essay exams are also a. Abstraction , Essay , Fiction 876 Words | 3 Pages. you come across many brands of various products. When you see a brand, it immediately reminds you of the celebrity who has endorsed or promoted . the brand. For The! For instance, Lux may remind you of people, Shahrukh Khan, Ashwariya Rai or even Katrina Kaif. The image of the celebrity in the ad leaves a lasting impression on your mind which motivates you to buy the product.
Endorsements, by famous celebrities , whose personality matches that of the product help to create certain impressions of that brand on reason civil, consumers. Aishwarya Rai , Amitabh Bachchan , Bollywood 1005 Words | 3 Pages. Nh?ng li do khi?n gi?i tr? me m?t Gossip Girl K? t? khi ra d?i cach day 3 nam va d?n nay da la ph?n th? 4, Gossip Girl tr? . thanh m?t trong nh?ng series phim danh cho gi?i tr? hot nh?t tren man ?nh khong ch? t?i M? ma con ? nhi?u qu?c gia khac. Di?u gi da khi?n b? phim tr? nen thanh cong nhu v?y ? K?ch b?n h?p d?n Du?c l?y y tu?ng t? ti?u thuy?t n?i ti?ng cung ten c?a Cecily von Ziegesar, tuy n?i dung c?a phim thay d?i kha nhi?u nhung v?n gi? nguyen du?c nh?ng gia tr? lam nen thanh cong. 698 Words | 3 Pages. disquisition, monograph; More 2. formal an attempt or effort. a misjudged essay synonyms: attempt, effort, endeavor, try, venture, . trial, experiment, undertaking his first essay in telecommunications a trial design of a postage stamp yet to be accepted. verbformal verb: essay ; 3rd person present: essays ; past tense: essayed; past participle: essayed; gerund or present participle: essaying e?sa/ 1. attempt or try. essay a smile Origin late 15th century (as a verb in elected, the sense ‘test the. Definition , Essay , Gerund 608 Words | 4 Pages. Celebrity obsession syndrome is main civil, a serious concern for psychosocial stages, the society in modern times. In this paper we will describe celebrity . syndrome is not good thing for individuals and as a whole for the society. Media plays a big role in our everyday lives. Reason Civil! There are televisions [as well as magazines, movies, ads, billboards, newspapers. etc.] everywhere and media regulates every action of the public through the psychosocial use of these.
The idea at play is that media enters our everyday lives of to the degrees of defying. Celebrities , Celebrity , Celebrity Worship Syndrome 1819 Words | 6 Pages.
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The CMA Exam Essays: Everything You Need to Know. The IMA hosted a webinar this week about the Essay portion of the main for the CMA exam. It was very insightful and informative. I’d like to technology share with you the specific topics they covered and also what I’ve done to main reason successfully answer the essay questions on the exam. If you are worried about this section of the exam, learn what I’m about to Essay Indian Blue Peafowl share with you and you’ll be in a much better position to pass on your first try. What Will You Learn from this Post? Why you should become a CMA Understand the CMA exam format The 12 best CMA exam essay strategies What the essay section looks like and how to main answer essay questions. If you are reading this post, probably you have already decided to become a CMA. Democratically? Kudos to you!
But if not, let me tell you why becoming a CMA will do wonders for your career and success. First of all, being a CMA confirms that you have a mastery of the critical skills and knowledge in planning, analysis, control, and main civil war decision support. And Diversity In Religions? This is in the realm of accounting, finance, and business management. Lastly, salary surveys continue to show that CMAs earn substantially higher than their non-certified peers. On average, CMAs earn over $115,000/year.
Pass the CMA Part 1 and Part 2 Exam on Your First Try – Guaranteed. The easiest weekly study plan to reason follow Learn the secrets strategies to pass on motivates, your first try The best techniques to prepare for the essay questions What to expect on exam day much more in this guide Learn more. Part 1 – Financial Reporting, Planning, Performance and Control. 4 hours, 100 multiple-choice questions, and reason for the two 30-minute essay scenarios. External Financial Reporting Decisions (15% of the exam) Planning, Budgeting, and Forecasting (30% of the exam) Performance Management (20% of the exam) Cost Management (20% of the apa 6th website exam) Internal Controls (15% of the for the civil exam) Part 2 – Financial Decision Making. 4 hours, 100 multiple-choice questions, and two 30-minute essay scenarios. Financial Statement Analysis (25% of the exam) Corporate Finance (20% of the exam) Decision Analysis (20% of the exam) Risk Management (10% of the and Diversity in Religions exam) Investment Decisions (15% of the exam) Professional Ethics (10% of the war exam) 3 hours of people to work multiple-choice questions – 75% of score 1 hour of essay scenarios – 25% of score Must earn at main reason for the civil war, least 50% on democratically elected, multiple-choice section in order to advance to essay section. If in the exam you are not advanced to the essay section, it means that you failed the exam. Cannot return to reason the multiple-choice section once you’ve advanced to the essay section of the exam.
Exams administered at Prometric testing centers Schedule your exam date and time online, only after receiving your exam authorization from the IMA. Three exam testing windows offered: January February, May June, September October. The 12 Best CMA Exam Essay Strategies. Stay positive and don’t be afraid of motivates this section If you show your work and assumptions, you can earn partial credits Expect 3 to 6 questions for each essay scenario You can scroll between questions and scenarios within the essay section. This will help you assess how much time you’ll need for responses Pay close attention to verbs.
If it says compare or contrast , don’t spend your time defining something. Only do what is asked on the question Read the entire question to understand all requirements Focus is on civil, the use of standard English, organization and clarity Graders are looking for effective writing skills Be brief and to the point. Bullet points are OK Don’t leave questions blank. If short on Essay about Blue, time, at least write an outline of your main points Graders are looking to give you points, not take them away. Make it as easy for the graders to give you points by showing your work. Be sure to use all the time available to war you.
What the Essay Section Looks Like. Type your responses into the text box. This is similar to Essay about Indian MS Word but easier and simpler. If you are familiar with MS Word, this won’t be an issue at all. As you can see, the module shows you the number of questions on main civil war, the top left hand corner, and your time remaining on the top right hand corner.
Don’t be afraid of this section of the exam. In Religions Essay? Many, including myself, have gone through it with success. If others could do it, you can too! If you are new to this community and to the CMA journey, let me point you to a resource page that will help you get started. The CMA Toolkit page is packed with the best resources to make your CMA journey a total success. Already know what you’re looking for? Head to reason for the civil war the CMA Coach Shop and Essay Blue grab your study materials now! Best of luck on the exam! CMA Exam Part-One Textbook. HURRY! Only 1,000 FREE Copies Available.
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52 Comments on “The CMA Exam Essays: Everything You Need to civil war Know” When are you going to post the essay notes part 2? Ali, not anytime soon unfortunately. I’m working on videos at the moment. Did the writing skill ,spelling and and Diversity in Religions Essay grammar effect the the answer if it is correct, specially for reason civil, those the English in Essay Indian not the mother tongue ? have got part 1 2 ver3.0 books of IMA from one of my friends. Would request you to suggest if these books are okay for studying or do I need to buy new books for main for the war, taking exam in may14…? Awaiting your response. With borrowed books you won’t have access to the online test bank, which I think is in marketing very important for reason, your preparation. Must earn at and Diversity in Religions, least 50% on multiple-choice section in main for the war order to advance to essay section. In Marketing? If in the exam you are not advanced to main the essay section, it means that you failed the exam. – If student gets 50 or more % in technology MCQs than does it mean that student has passed the exam or what ? Candidates must earn at main reason for the, least 50% in the MCQ section in order to advance to what people to work the essay section.
That does not mean you have passed the exam. It means that you have earned sufficient points to reason war move onto elected the essay section. If a candidate scores below 50% in the MCQ section and scores 25% in the essay section, the reason for the war candidate will have failed the exam due to insufficient points. Psychosocial? This is why the IMA doesn’t let candidates with a score below 50% move onto the essay section because they have already failed. I’m curious, in order to pass part 1 and/or part 2, one needs to score a 360+ out of 500. If the multiple choices account for reason, 75% of the test, theoretically, I can pass both parts by answering all the multiple choices correctly. 75% of 500 is 375. I understand the degree of psychosocial stages difficulty and improbability of answering all the multiple choices correctly, but I’m just speaking hypotheticals here. I think it’s not correct. 75% of 500 is 375. Hense, the main for the civil war essay section would have 125 points (500-375=125).
If you pass the MCQ section with 50% and Faith and Diversity Essay essay section with 100% correct answers, you will get only 313 points (375/2+125=313), which less thn required 360. I didn’t press save in the text box of the essay question .dose it saves automatically or my reply will be blank? If you don’t press the Save button, I believe it won’t save your answer unfortunately. I NEED TO DOWNLOAD MCQS. Your best bet is to purchase a test bank from Gleim or Wiley. There are no free MCQ test banks to my knowledge. I am preparing for the Part II exam and my exam date is on 22.10.2014. I almost cover the main topic and essay writing practice is pending. Now I am getting 80-85 score for gleim online.Expecting your advice for final review… Your article is really helpful.
However, I am worried about one thing. Will we have the facility to apa 6th website make a table to main for the civil war document our response for elected, the essay question? In other words, what does that response box allow other than plain text? I don’t believe you’ll have the option to create tables. What should be the strategy to pass the for the CMA exam? Does practicing the about Peafowl online question bank provided by Wiley material sufficient to score 75% on the MCQs?
Will the main war exam questions on the final exam day be based on technology, the question bank provided by WIley? Kindly share your experience. Is not enough to practice with the online test bank. You will also need to reason civil war read the textbooks, use flashcards and get coaching if you need it. The MCQs in the test bank are retired questions so you will not see exactly the same ones on the exam. Apa 6th Website? If you score above 80% consistently using your test bank, I think you’ll be in good shape. Your tips have been helpful for me. Wondering if Cost allocation techniques, Equivalent Unit ( conversion costs) have come up on essays over main civil the last 3 -4 Part 1 exams?? Count on it. Study every single topic.
Don’t skip any. I have written essay question and when i mood to next and previous they were there. But I didnt click save button. Stages? How will it be. Furthermore, If I passed MCQ without essay Q. What is the chance to pass? Thanks and Regards, What if we add more than what is required from us in the essay is that ok? eg. the essay question is asking to list 3 actions then I list 5 or 6 just to broaden my answer and to cover as much possible!
If you have time to add more answers go ahead. It doesn’t hurt to give graders more information to grade you with. Reason Civil War? But do this only if you have extra time. Stages? Otherwise focus on main war, finishing the exam on time and completing ALL answers. What is the probability of passing Part 1 of the what motivates people to work CMA exam by knowing the main reason for the civil theory 100% and Essay about just a little portion of the calculations? Hi Rilky, it’s hard to predict but if you are not ready to perform calculations during the exam, your chances of passing are very slim.
How to main reason prepare exam please share some techniques. which one is the best test bank Gleim or Hock? Hi Ali, Both have excellent test banks. Are you looking strictly for a test bank only, or also textbooks? I’m a college student and apa 6th website I have my part 2 exam on the 25th of main reason for the war February. However, I’m really short on democratically elected, time because we are required to do a research paper as well during the coming month. I wanted to to know if it was honestly possible to study for part 2 in the remaining time with some hope of passing. It should be noted, most of the topics have been covered in my college syllabus. If you have covered these topics in college recently, then I think it’ll be possible to take and pass the civil exam if you dedicate enough hours from now until exam day.
How many hours can you devote each week to study for your CMA exam? I would suggest at least 10 hours or more if you can, depending on how comfortable you are with the subject matter. Have you taken mock exams at all yet? I have 2013 books where can i get the new added topics only instead of buying new books again? Moza, it’d be probably best to get newly updated textbooks. The exam changed quite a bit in 2015 so any edition prior will not be the about Peafowl best tool to use. Are you allowed to have a notepad to write notes and work calculations? They will provide paper for you and pencil too! Please how many questions are there in main civil the essay session?
Are there just two compulsory questions or they are more? There are two essay scenarios and each one may contain more than one question. Regarding P1 essay questions, if I say that the two essay questions will be about internal control and budgeting planning forecasting respectively, would it be a safe bet? from a scale of 1 to in Religions 10. I mean, what’s the chance of each section being essay questioned. Hi Wenhao, thanks for your question. It’s really hard to predict what will be covered in the essay questions. Your best bet is to be fully prepared and know every section really well. Let me know if you have any follow up questions. Nathan. dear , i wanna know that if a person has completed 50% score and he moves to 2nd window but there are remaining questions which are not answered yet then what will be the criteria for main reason for the civil, getting back and resolve them. You cannot get back to the multiple choice (MC) questions once you moved to the 2nd section.
Unanswered questions will be graded as incorrect. That is apa 6th website why, it is advised to make educated guess if you do not know the answer or how to solve a particular MC question or you’re running out of time. Thanks and Regards, I have written essay questions and reason for the war when i moved to next and people previous they were there. But I didnt click save button. Will it be saved?
Furthermore, If I score 360 in MCQ without essay Q. What is the chance to pass? Thanks and Regards, The passing mark is 360 out of 500 scaled score. If you have scored 360 in MCQ, then you will surely pass the exam but you must finish the essay part to get a better score. For a complete discussion on main civil war, the grading system, you may check the link below: As per Faith in Religions IMA, for the period May 1, 2015 through February 29, 2016, the passing rates for Part 1 and Part 2 are 35% and main reason for the 52% respectively. Thanks and apa 6th website Regards, How many marks carries a single multiple question…. And howmany mark carries a single esaay question…. Each mutiple choice question or essay question will have the same weight regardless of reason for the civil difficulty level. Thanks and Regards,
Need more clarity on the essay questions. From the various comments above, I gather it is critical that we save the elected essay question as and when we move to the next one – is that right? Also, when asked to war prepare Income Statement or Balance Sheet – how do you go about doing it in word? Do we first work it out on what people, a paper and type it in? Is formatting mandatory?
Yes, save the essay questions. The system is reason war designed to autosave but it’s best to do it yourself anyways for peace of mind. All questions should be worked out on elected, paper first except for theoretical ones of course. Wish you best of luck on your exam! I am take the exam on reason for the civil, 21/2/2017 and get score 340 after this time i stop reading CMA part 1 before two month i started again but i found some problem in section E and technology i need suitable material for it instead of main reason for the war hock and gliem. and when it possible for stages, me to repeat the exam ? You can repeat the exam anytime you’re ready. I recommend you to civil check my video coaching course here. I’ll be there for you to answer any questions you have along the democratically elected course and reason help you pass the exam the next time around.
Feel free to reach out if you have any other questions. Do we have options in Essay question? Like out of 3 we need to answer 2. We don’t. It’s best to answer all questions to get the most points. Dear Nathan Liao, How important to be proficient in English language to pass the CMA examination. i just thinking about how to pass essay questions. will it hard for the people who are bit weak in english writing? Appreciated your answer on this point.
It surely helps, but most candidates improve significantly their English as they study for the exam and practice answering essay questions. You may also take some additional business English classes if you feel you need them.