Personal Finance Essay Example for Free

Personal Finance Essay Personal finance refers to the principal that is applied to the monetary decisions of an individual or a family unit. It addresses issues such as the ways in which the individuals or families obtain finance, budget, save and spend the monetary resources of a company over a given period of time while at the same time taking in account the financial risks and the future life events that are related to the businesses activities. The profits or loss of a company are derived by determining the incomes of a company and the expenses that are incurred by a company. If the incomes are more than the expenses the company generates profit for the company. If the expenses of the company are more than the incomes then the company incurs losses in the financial period of a company. Assumptions The income of Donna Terrell is estimated to be $3333 per month since it is assumed that he earns a salary that is equally distributed throughout the year. The expenses of Donna Terrell are also assumed to be evenly distributed throughout the year except in the months where Donna Terrell specified that the expenses were incurred in those months. After Sherman acquisition of his new job on June 2003 and his decision to assist Donna Terrell was a positive move since after the month of June the Donna’s business started to earn profits since in the previous months the business was incurring losses, but after June 2003 the company started to generate profits for the company, thus was in a position to run it affairs effectively (http://64. 233. 169. 104/search? q=cache:DmCJZy7zP6kJ) It is also assumed that Sherman would earn a salary that would be $1500 per the month that followed the month of June up to December 2003. In the first quarter of the year Donna business had been incurring losses from January to May 2008 since the amount of losses have been increasing rapidly since the expenses of the business were more than the incomes of the business. After Mr. Sherman decision to assist Mr. Donna in giving him financial assistance the business started to improve in its performance. The business incomes was greater than the expenses as from July to December of the Year 2003 and this contributed to the increased profits of the business as it continued with its operation until December 2003. As at December 2003 the Company had profits that were over $13000. The management of companies can run their activities if they ask for financial assistances from friends and also financial institutions since after the Mr. Sherman decision to assist Mr. Donna the performance of the company started to improve. The instances where the management of companies runs other business activities that generate revenue to a company this can contribute to the profitability of the company since the additional income increases the companies working capital that enables the company to generate as much revenue to the company hence its increased returns and finally this leads to the growth of the company. The management of companies should also plan their finances properly so as to avoid budget deficits as this can affect the performance of the company and also its reputation as this can result to reduce sales volume for a company hence in some cases due to the poor management of the companies finances the company go into liquidation that can lead to the closure of the company.

Aspects Of City Life - Crime. :: essays research papers

Aspects of City Life - Crime.   Ã‚  Ã‚  Ã‚  Ã‚  Different angles can be taken with regards to crime in the city, and further to this, the main topic can be broken down into smaller areas. I have conducted two types of research; Primary - Interviews etc. Secondary - Named Sources.   Ã‚  Ã‚  Ã‚  Ã‚  The question of crime and how it affects a city is perhaps best put to those people that have either lived in a city all their lives (thus knowing what the crime is like in the area), or to those that have moved to a city from a town or village (therefore being able to make a comparison between the types of crime and their severity in the two habitats).   Ã‚  Ã‚  Ã‚  Ã‚  A city, apart from having a great deal more shops, civic and recreational amenities, and night life will also have many more people - people that need somewhere to live, meaning vast expanses of housing estates and other residential areas. In Sunderland's case all of the above are true, and, as with many other cities across the country it has a very large student population. There are two centres of higher education in Sunderland - the university, and the college, both with large subscriptions. Although both have been established for a while now, it was only fairly recently that the old Polytechnic achieved university status. This has not only increased the size of the university in terms of property but also the number of students attending it. This therefore means that the overall size of Sunderland has increased, including the numbers of shops, clubs, recreational activities and also houses.   Ã‚  Ã‚  Ã‚  Ã‚  A great deal of people in Sunderland believe that their local pubs and clubs have been 'taken over' by students and at first there was a great deal of apprehension and tension between locals and students, often resulting in violent conflict. This still exists but to a much smaller extent. However, something that can be connected with this is the mugging and burglary that happens to a small minority of students. Obviously crime occurs everywhere, no matter where you live, but students are seen as easy targets due to their vulnerability, as well as the fact that they have money and valuable possessions. The severity of some of the attacks has been such that victims have needed extensive hospital treatment due to the injuries they have sustained. Security measures at certain halls of residence have been questioned after several attacks occurred in usually safe surroundings.   Ã‚  Ã‚  Ã‚  Ã‚  The most startling aspect of violent crime in this area is that it still occurs, despite increased policing and advice to students regarding how to

Adlerian Theory-Birth Order, Gender, Family Values

Adlerian’s Family Constellation Focusing on Birth Order, Gender, and Family Values Brittany Teal Bellevue University Applied Counseling Theories March 27, 2012 Abstract Diving into Adlerian’s Theory and focus on family, there are three main components to take into consideration to define how children might be defined as adults. The three factors include: birth order, gender, and family values. Birth order can make a difference in defining adult personality and behaviors. Gender can play a role with its views of society and the acceptance of the up kept expectations.Family values play a role simply because it defines who the family is and makes the future generations structured and stable. Adlerian’s Family Constellation Focusing on Birth Order, Gender, and Family Values Focusing on how one’s life may be affected behaviorally and psychologically can be based off of the factors that are out of an individual’s control. When stating this sentence, it ma y seem confusing to know that an individual had the possibility of being â€Å"judged† or â€Å"defined† on the day they were born.With this being said, the uncontrollable, but life-shaping factors include birth order, gender, and family values. Although it is important to note that these factors will not always determine the life outcome of an individual, they will, however, create a formation of life for an individual to follow. Bringing attention to birth order first, knowing how the first born, middle, and last born child can be affected immediately can possibly define a lot about how the individual’s future could turn out. The first born child can often be described as the busy, attention receiver (Shulman & Mosak 1977).On the flip side, the first born often is held to the highest expectations to uphold in the future due to the self control and respectful domineer they portray. The reason for this can be based off of the parent’s abilities to revolve their lives around engaging their child in multiple activities and organizations. This can have a lasting result on the child into adulthood in the case where they are attention seeking due to the loss of receiving it for the time they did when they were young (Carlson & Sperry 2006).Next the focus moves to the middle child. The middle child seems to be the one getting loss in the mix and often found in a competition for attention (Shulman & Mosak 1977). In most cases, the middle child is one who does not get to participate in as many activities as the first born, but still gets involvement in major activities and functions (Shulman & Mosak 1977). The middle child can also sometimes be known as the â€Å"diplomat. † They are this simply because they get caught up in the middle between the oldest and youngest sibling.Often times it becomes natural responsibility for the middle child to be the mediator between siblings (Shulman & Mosak 1977). Finally we move onto the last born child, the â€Å"baby. † The last born child can be defined as â€Å"ambitious. † An explanation to support this statement is that the youngest sibling is often times surrounded by mature adults who seem to give much attention (Shulman & Mosak 1977). They also have this lifestyle due to being dependent on the older influences in their lives.When this type of behavior is allowed at a young age, the child grows into adulthood with knowing no different. On the plus side of this, the ambition the youngest child displays can often times result in success and a bright future for the youngest born (Carlson & Sperry 2006). All in all, there can sometimes be more children in the mix, but results stay similar to the main three orders listed. Next the focus turns to gender effects on individuals as they enter adulthood from the Adlerian views’.When a child is born, he or she is automatically placed into the acceptable gender roles of society. When this occurs and as the c hild ages, he or she will decided whether or not they want to accept, reject, or adapt to the role expectations that they are given (Lindsey & Christie 1997). This becomes very challenging to exactly define how an individual will be affected into adulthood due to the outside factors and influences that can take a toll on one’s life. Gender roles are something usually defined in childhood and carried into adulthood, ut as society changes and roles become more adverse, it is difficult to say how set and stone these roles will be (Carlson & Sperry 2006). Overall, it is obvious one picks up gender roles on the day they are born, but it is up to the individual themselves to decide whether or not they want to maintain those roles throughout their lifestyle. Finally family values come into the picture when defining an individual as an adult. Family values are not only just standards up kept by family, but more or less what create a baseboard for the function of a family.There are mu ltiple components that get taken into consideration when focusing just on family values and they are the beliefs, morals, and convictions that both the mother and father have implied to their family lifestyle (Juel 1993). With these factors being apparent at birth and throughout childhood, the individuals have choices as to whether or not they want to agree, disagree, or adopt their own family values. In most cases, children carry these values through adulthood which results in the family lifestyle getting pasted from generation to generation.To sum it all up, it takes cooperation and trust for a family to clearly define and keep family values a tradition throughout a lifetime. References Carlson, J. , & Sperry, L. (2006). Adlerian therapy. Relationship Dysfunction: A Practitioner's Guide to Comparative Treatments, 102. Juel, E. J. (1993). Non-Traditional Family Values: Providing Quasi-Marital Rights to Same-Sex Couples. BC Third World LJ, 13, 317. Lindsey, L. L. , ; Christie, S. (1 997). Gender roles. Prentice Hall. Shulman, B. H. , ; Mosak, H. H. (1977). Birth order and ordinal position: Two Adlerian views. Journal of Individual Psychology, 33(1), 114-121. Adlerian Theory-Birth Order, Gender, Family Values Adlerian’s Family Constellation Focusing on Birth Order, Gender, and Family Values Brittany Teal Bellevue University Applied Counseling Theories March 27, 2012 Abstract Diving into Adlerian’s Theory and focus on family, there are three main components to take into consideration to define how children might be defined as adults. The three factors include: birth order, gender, and family values. Birth order can make a difference in defining adult personality and behaviors. Gender can play a role with its views of society and the acceptance of the up kept expectations.Family values play a role simply because it defines who the family is and makes the future generations structured and stable. Adlerian’s Family Constellation Focusing on Birth Order, Gender, and Family Values Focusing on how one’s life may be affected behaviorally and psychologically can be based off of the factors that are out of an individual’s control. When stating this sentence, it ma y seem confusing to know that an individual had the possibility of being â€Å"judged† or â€Å"defined† on the day they were born.With this being said, the uncontrollable, but life-shaping factors include birth order, gender, and family values. Although it is important to note that these factors will not always determine the life outcome of an individual, they will, however, create a formation of life for an individual to follow. Bringing attention to birth order first, knowing how the first born, middle, and last born child can be affected immediately can possibly define a lot about how the individual’s future could turn out. The first born child can often be described as the busy, attention receiver (Shulman & Mosak 1977).On the flip side, the first born often is held to the highest expectations to uphold in the future due to the self control and respectful domineer they portray. The reason for this can be based off of the parent’s abilities to revolve their lives around engaging their child in multiple activities and organizations. This can have a lasting result on the child into adulthood in the case where they are attention seeking due to the loss of receiving it for the time they did when they were young (Carlson & Sperry 2006).Next the focus moves to the middle child. The middle child seems to be the one getting loss in the mix and often found in a competition for attention (Shulman & Mosak 1977). In most cases, the middle child is one who does not get to participate in as many activities as the first born, but still gets involvement in major activities and functions (Shulman & Mosak 1977). The middle child can also sometimes be known as the â€Å"diplomat. † They are this simply because they get caught up in the middle between the oldest and youngest sibling.Often times it becomes natural responsibility for the middle child to be the mediator between siblings (Shulman & Mosak 1977). Finally we move onto the last born child, the â€Å"baby. † The last born child can be defined as â€Å"ambitious. † An explanation to support this statement is that the youngest sibling is often times surrounded by mature adults who seem to give much attention (Shulman & Mosak 1977). They also have this lifestyle due to being dependent on the older influences in their lives.When this type of behavior is allowed at a young age, the child grows into adulthood with knowing no different. On the plus side of this, the ambition the youngest child displays can often times result in success and a bright future for the youngest born (Carlson & Sperry 2006). All in all, there can sometimes be more children in the mix, but results stay similar to the main three orders listed. Next the focus turns to gender effects on individuals as they enter adulthood from the Adlerian views’.When a child is born, he or she is automatically placed into the acceptable gender roles of society. When this occurs and as the c hild ages, he or she will decided whether or not they want to accept, reject, or adapt to the role expectations that they are given (Lindsey & Christie 1997). This becomes very challenging to exactly define how an individual will be affected into adulthood due to the outside factors and influences that can take a toll on one’s life. Gender roles are something usually defined in childhood and carried into adulthood, ut as society changes and roles become more adverse, it is difficult to say how set and stone these roles will be (Carlson & Sperry 2006). Overall, it is obvious one picks up gender roles on the day they are born, but it is up to the individual themselves to decide whether or not they want to maintain those roles throughout their lifestyle. Finally family values come into the picture when defining an individual as an adult. Family values are not only just standards up kept by family, but more or less what create a baseboard for the function of a family.There are mu ltiple components that get taken into consideration when focusing just on family values and they are the beliefs, morals, and convictions that both the mother and father have implied to their family lifestyle (Juel 1993). With these factors being apparent at birth and throughout childhood, the individuals have choices as to whether or not they want to agree, disagree, or adopt their own family values. In most cases, children carry these values through adulthood which results in the family lifestyle getting pasted from generation to generation.To sum it all up, it takes cooperation and trust for a family to clearly define and keep family values a tradition throughout a lifetime. References Carlson, J. , & Sperry, L. (2006). Adlerian therapy. Relationship Dysfunction: A Practitioner's Guide to Comparative Treatments, 102. Juel, E. J. (1993). Non-Traditional Family Values: Providing Quasi-Marital Rights to Same-Sex Couples. BC Third World LJ, 13, 317. Lindsey, L. L. , ; Christie, S. (1 997). Gender roles. Prentice Hall. Shulman, B. H. , ; Mosak, H. H. (1977). Birth order and ordinal position: Two Adlerian views. Journal of Individual Psychology, 33(1), 114-121.

Crime and Deviance - 1123 Words

Evaluate Marxist explanations of Crime and Deviance Labelling theory paved the way in understanding how deviance was something defined by social processes. In this way social agencies such as the police defined what was deviant. Marxists took this view even further by examining the power of certain social groups to define deviance and create the laws which secured social conformity. Marxists see crime and deviance as not coming from moral or biological defects but defects within social order. Crime is an inevitable part of capitalism as it stems from social inequalities. Working-class crime is caused by labour exploitation and material misery. Therefore theft is an expression of that exploitation and is a political act of the proletariat†¦show more content†¦Marxists believe that the law is selective. Tax evasion is rarely prosecuted but social security fraud always is and the people who tend to commit social security fraud are those within the working class. Croal defined white collar crime as crime committed in the course of legitimate employment an abuse of one’s occupational role. White collar crime is not seen as a problem because its not feared by the general public, offenses are often invisible, indifferent effects , morally ambiguous, difficult to see where the blame lies and complex not fully understood. Marxist theories have been accused of being over reliant on class division to explain offending behaviour. A good example of this is when crime is done for the improvement of society e.g. Martin Luther King although there were clear differences in class between black people in America even the wealthiest of black people were not permitted to buy housing worth a certain price so despite their wealth they were restricted to certain luxuries that were not equivalent to their white counterparts. Marxist theories do not explain why most people in most classes do not offend. For example the hidden figure of crime is not explored as much as it could be displaying that the middle class and ruling class do commit crime but this is often not reported within the crime statistics as the crimes in the statistics are things such as anti social behaviour which is often on many occasions associated with the workingShow MoreRelatedCrime, Deviance, And Deviance899 Words   |  4 Pagesa people so drawn to crime and deviance in the news? What is it about human nature that has a secret sense of interest or even some excitement when we turn on the television and see something major going on like a high speed chase or the like? Interestingly, the closer it happens to be to where we are, the more interested we become as opposed to something happening out of state, or further off in another country. The point here is not to defend or glamorize crime and deviance, but to point out thatRead Mo reCrime, Deviance, And Deviance3445 Words   |  14 PagesCrime and Deviance This report will begin by making a distinction between the concepts of crime and deviance, accompanied by the concept that crime is a social construct. Then this report will evaluate some theoretical approaches to how and why crime exists. Further reference will be made to the existing crime statistics, and the validity and reliability of the official statistics that measure crime. Finally, this report will look into the presentation of crime in two areas of the mass media. AtRead MoreDeviance And Crime And Deviance1623 Words   |  7 PagesDEVIANCE AND CRIME Deviance occurs when an individual commits something that disregards or breaks a social norm or folkway; deviant behaviors are considered criminal when it breaks more serious mores. 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The thing that would be more effective than throwing away the key isRead MoreCrime And Deviance1550 Words   |  7 PagesIn studying crimes and deviance, sociologists look to explain what types of behavior are defined as deviant as opposed to criminal, who defines deviant behaviors, why people become deviant, and how society deals with deviant behavior. Deviance is defined by sociologists are behavior that significantly goes against expected rules and norms. Criminal behavior is behavior that violates the law. Sociology studies groups as opposed to individuals, so when studying crime and deviance, sociologists areRead MoreDeviance And Crime1611 Words   |   7 Pagessociology book is about deviance, crime, and social control. This chapter was very interesting to me because it shows you how much violence is in our world that you do not really think about or hear about because it is overlooked. Everyone focuses on the big crimes, such as school shootings or terrorists acts, and overlook the victimless crimes and smaller things. This chapter also taught me a lot about deviance and made me form an opinion on whether it is a good or bad thing. Deviance is â€Å"a violationRead MoreCrime and Deviance1885 Words   |  8 Pagesfor the high proportion of young, working class males shown in official statistics on crime.† This essay will start by making a distinction between the concepts of crime and deviance, followed by an examination how such concepts have been acquired and accepted by society. Further reference will be made to the current crime statistics, and analyse some of the possible explanations for the high proportion of crime that is being committed by young males. Finally, consideration will be given to whatRead MoreCrime and Deviance2170 Words   |  9 Pagescauses crime and deviance in society, biological or social factors? Definitions of crime and deviance would change according to time, place, situation and culture, as what is acceptable in one would be unacceptable in another. Crime would entail the breaking of the law according to time and place, deviance would be an action that is unacceptable to the majority within the time and place, but both can alter during time, place, culture and social norms including religion. One example of crime wouldRead MoreCrime and Deviance4103 Words   |  17 Pagesfunctions and causes of crime and deviance within contemporary British society, yet it fails to account for white collar crime. Evaluate this statement. Every society is guided by laws and regulations, therefore, breaking of the law is known as crime or deviance. Crime and deviance will be defined with examples and how what is crime and deviance depend on culture and society will be analysed. Thus, a criminal act in one place is a norm in another place. 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