Writing a Memoir How to Eliminate Your Fears and Doubts

Writing a Memoir How to Eliminate Your Fears and Doubts Its a simple, six-letter word, but it is one of the most powerful in the English language. It has the power to resurrect the Titanic, take us back to the bloodied beaches of the D-Day landings, recall the glory and joy of summiting the worlds highest mountains, and enable us to vent our communal sorrow at the passing of rock stars and supermodels. It also has the power to creep into the deepest recesses of our hearts and reveal our innermost secrets and our lifelong fears, revel in the bloom of early love, and soar into the stratosphere with astronauts heading to the moon.The word that makes all these pivotal moments or recollections in our lives possible is memoir. Ironically, though, most of us do not have the courage to write our memoirs. This article will help you overcome your fears and doubts and help you produce a potential masterpiece of your lifes memories.According to the dictionary, a memoir is a historical account or biography written from personal knowledge. To me, it re presents much more. A memoir is a treasure chest or Pandoras Box of lifetime memories that enables each one of us to relive our experiences. It is a medium that helps us unlock the vault of secrets, joys, sorrows, lifetime accomplishments and experiences, ordinary everyday events, and hidden moments that make us who we are.A memoir helps us relate the hidden moments that make us who we are.A memoir also enables us to testify to the great historical events of our times, the people and places that have influenced us, and how we have kept them uppermost in our unspoken memory throughout our lives. Whether you are writing your memoirs to tell the world how you executed 22 men and women in San Quentin Prison; whether you are closing the final chapter of your life in a fireside rocking chair; or whether you are an icon of the Internet age recounting your contributions to Artificial Intelligence or the development of the drone, you all have one thing in common: each one of your stories is unique. Furthermore, each memoir has the potential to move others deeply and affect the trajectory of your life.Follow these six steps for getting your memoirs done fearlesslyStep 1 - Define your purposeIf you intend to write your memoirs, it is crucial to have a brainstorming session with yourself to understand your motivation for doing so. Are you going to write your memoirs so future generations can sift through the pages of your life to better understand where they came from and how your experiences shaped them? Are you going to write your memoirs as the basis of a best-selling non-fiction novel (My tortured life as the San Quentin executioner)? Or are you going to write your memoirs because you feel you have to get your life experiences out thereâ€"either for reasons of guilt, passion, love, or grief?Establishing your motive will bring focus to your mission and play a significant role in the way you fashion your writing. It will also give you an idea who your target readership will be, and whether it will be millions of people or just one or two family members. Having established the purpose of writing your memoirs, you can proceed immediately to the next step.Step 2 - Drop the fearThere is no doubt that millions of unpublished works, including novels, collections of poetry, biographies, and personal memoirs lie gathering dust in forgotten attics and basements, relegated to obscurity by an attribute most of us know all too wellâ€"fear. For many writers, fear of failure represents an obstacle to writing akin to crossing the Great Wall of Chinaâ€" it just cannot be overcome.However, for those of you teetering on the brink of indecision about writing your memoirs, consider this quote by the poet Marcus Hades: Sometimes your destiny is wrapped up in a veil of fear to check if you really have the courage to face it. Also consider another quote by the American author and journalist, Robert Cormier, who said, The beautiful part of writing is that you dont have t o get it right the first time unlike, say, brain surgery. These are important points. Acknowledge your fear, then drop it, and always remember that in writing the first draft of your memoirs, getting it down is more important than getting it perfect.Step 3 - Set a timeline and structureHaving decided on your motivation and getting on with it, carefully consider the timeline for a while. Do you want your memoir to follow a chronological sequence from your birth to your present stage in life; or would you like to do the opposite in which you start with your present station in life and proceed to review the most memorable events of your life (much like the elderly Rose did in the movie Titanic).The latter follows a pyramidal structure, in which the memoir starts with a relatively small recollection and builds up into what could be a story of mammoth proportions. Conversely, you could adopt an inverted pyramidal structure, in which your memoir opens with an unforgettable event, like the sinking of the Titanic or being on the frontlines in Afghanistan (or the night you fell into the pool on the way back from a party!). Whichever way you go, you will be setting an important structure on which to base your memoirs. Some authors write their memoirs as separate chapters detailing unforgettable experiences in their lives; others write their memoirs as a chronicle of their entire lives, and include details that may be frivolous to a public audience, but very important to family members and friends. Its your choice.Step 4 - Write for yourselfIf you are not used to writing, and now confront the reality of writing about your life, you have to follow this mantra, and repeat it every day: Write for yourself. Dont be straightjacketed by the fear that others may pick holes in your writing or criticize the format, structure, and content. Just get the words down on a blank page, and leave the worries you have about style, composition, grammar, spelling, and so forth to a reviewer at the end of the manuscript.Millions of potential authors are paralyzed by the fear of what others will think; as a consequence, their writing quickly evaporates into a distant dream. In writing your memoirs, heed the advice of Leonard Cohen, Ring the bells that still can ring; forget your perfect offering; there is a crack in everything; thats how the light gets in.The fear of what others will think can paralyze a writer.Once you accept there will be cracks in your writing, start getting it down. Write, write, write! Plaster the words of Pulitzer Prize-winning novelist Anne Tyler to the wall above your computer: If I waited till I felt like writing I would never write at all.Consistency and discipline are blood relatives when it comes to writing your memoirs or a book. You can set a minimum number of words to write every day, or you can aim to complete your memoir by a certain date. One of the dozen or so books I have written was born out of a New Years resolution to start the bo ok on January 1 and complete it by January 1 the following year. I finished the book on December 31. Its impossible to write the same amount every day, but if you set a daily minimum and adhere to that minimum, you will get through your memoirs by the projected date.Step 5 - Set the scene and engage your sensesA memoir can be a thrilling account of a vibrant and dynamic life, or it can be pitched in such a way that it will put its readers to sleep after the first few pages. You can avoid this by establishing scene setters to every new chapter you write. These are usually evocative descriptions of (often) dramatic events that have changed or influenced your life.Millions of Americans will recall in detail exactly where they were and what they did on 9/11 when the Twin Towers of the World Trade Center came down. This day could be the opening scene setter to a chapter in your life you will never forget. When writing your scene setter and the subsequent events that took place, engage al l your sensesâ€"remember the sounds, the smells, the taste, and the things that touched or moved you in the clearest detail. The ready accessibility of research from countless sources across the Worldwide Web enables you to provide details of major events that have happened in your life in great, unerring detail.Step 6 - Collaboration and editingDont be afraid of engaging the sympathetic ear or help of a friend or colleague during the arduous process of putting your life down on paper. Encouragement is the spark that fuels innovation and success. And such encouragement when you are writing your memoirs is indispensable. It has been widely proven in the marketing literature that collaboration between employers and employees in any field of endeavor has fueled the success of companies around the globe. Collaboration in writing your memoirs will yield similarly positive results. So engage help, share your secret fears and anxieties, and success will be yours.Finally, when you reach tha t last paragraph and close the manuscript recording your memoirs, take a break of at least a month. Then return, reread, and refine. And when those tasks are accomplished, look around for a good editor to review the manuscript for you. Whether one person or a thousand read your memoirs, you will always be able to rest easy in the knowledge that you did itâ€"you beat the beast and overcame the fear. And, who knows, maybe your memoirs will become a bestseller!

Analysing Ethical Issues of National Kidney Foundation

Case Ethical Analysis: National Kidney Foundation of Singapore (A) – Anatomy of a Crisis Wee Beng Geok and Yvonne Chong Overview When the National Kidney Foundation (NKF) of Singapore came under the scrutiny of the nation back in the July of 2005, it was evident that there was going to be major changes in the local social welfare scene. As a non-profit charitable organisation, the main aim of NKF was not only to look after the needs of its patients but encompassed drawing resources from society and moving towards changing and improving society as a whole. In this report, we focus on the issues that the top management faced and how this entire saga has affected not only NKF but also its numerous internal and external stakeholders.†¦show more content†¦NKF’s management might seem to not have taken donors’ opinions into consideration and hence portrayed the image of mismanaging donations. However, it would be unfair to not point out how not all stakeholders are equal and each is entitled to different considerations. Expectations differ across stakeholders and decisions made would more often than not lead to a conflict of interest but following the principle of utilitarianism, it is up to the discretion of the organisation to balance their decisions and decide how best to appease the majority. An example would be NKF’s dilemma of whether to disclose the salary of the CEO; not doing so would result in accusations of not being transparent while disclosing it might lead to criticism of charity leaders being too highly paid. The interests of the CEO and the donors are at conflict. Alternative Theoretical Perspectives Having received the National Youth Excellence Award in 1976 and practiced as a lawyer for 6 years2, Durai could be seen as a leader with strong self-efficacy and self-esteem. He valued new challenges more than conformity and challenged society’s perspective of managing a charity. His refreshing approaches to branding and fund raising led to staff costs incurred by the many fund raising activities to be higher than that of staff cost for dialysis treatment, which was not on the same page as what external stakeholders (donors and society) would expect from a charity.Show MoreRelatedCase Studies67624 Words   |  271 Pagesmost strategic management courses, cases are used extensively as a teaching tool.1 A key reason is that cases provide active learners with opportunities to use the strategic management process to identify and solve organisational problems. Thus, by analysing situations that are described in cases and presenting the results, active learners (that is, students) become skilled at effectively using the tools, techniques and concepts that combine to form the strategic management process. The cases that follow

Characteristics And Backgrounds Of Serial Killers Essay

Serial killers can be hiding behind the smiles of your neighbors, grocers, and the most unexpected individuals. According to Boschken (2014), a serial killer is an individual that has committed three or more murders over a month without a large gap between murders. Several different characteristics and backgrounds make up a serial killer. Studies have shown that an individual’s background can give insight into the victims and the offender’s relationship to the victims. Serial killers can also be classified into many different categories ranging from if the killing was planned or spontaneous to the mental reasoning for the crime. Professionals have also created a category for dedicated and habitual offenders. This paper examines the characteristics and backgrounds of serial killers, the different categories of killers, and the way crimes and the offenders are organized. Origin â€Å"The foundation for a serial killer is usually laid down in their early life experiences during childhood with harsh childhood punishment and discipline† (Dalal, Aggarwal, Bhullar, Sharma, 2009, p. 111). According to studies made by Dalal et al (2009), individuals that grow up in homes where alcohol and drugs are abused, and the child is emotionally scarred or physically harmed are likely candidates to become a serial killer than others who come from stable, loving homes. Other experts have also agreed with this theory that a traumatic home life can produce a serial killer. One hypothesis individualsShow MoreRelatedA Serial Killers Characteristics Begin at Childhood800 Words   |  3 PagesChildhood Characteristic of Serial killers The basic definition of Serial Killers are that it is a group of people who’s work is just to kill, kill and kill innocent people over a longer period of time without being wedged or bunged. They are not like mass murderers, who may kill many people at one time - majority of the time because of circumstantial behavior. Serial Killers are completely a different from traditional or mass murderers they always make a proper plan and they are very specificRead MoreSerial Killers Statistics : Serial Killer Statistics Essay818 Words   |  4 PagesNovember 23). Serial killer statistics. Retrieved July 28, 2016 fromhttp://maamodt.asp.radford.edu/Serial%20Killer%20Information%20Center/Serial%20Killer%20Statistics.pdf This article covers serial killers statistics. Many table reports are illustrated with the sole purpose to demonstrate accurate information about serial killers. The tables indicate the frequency (by decade) and the number of separate serial killers operating in any given year in the USA. Beasley II, J. O. (2004). Serial Murder inRead MoreSerial Killers Speech1533 Words   |  7 Pagesaudience about Serial Killers. Central Idea: To show my audience why serial killers kill and what motivates them. INTRODUCTION Tell them what you are going to tell them. I. Attention Getter: What would you do as a young college girl at a grocery store walking to your car and you see this handsome middle aged man with a cast on struggling to get his groceries and he ask you for your help. Would you help him? Ted bundy was one of the most famous and handsome serial killers of all time. Read MoreSerial Killers1314 Words   |  6 Pages like serial killers, and what drives them to do what they do. Many scientists are still researching whether or not if serial killers are driven by the way they were raised or if it is a part of their genes. This literature review will analyze what people think about the nature versus nurture debate. It will talk about the nature side and the nurture side of the debate. What is a serial killer? Eric Hickey (2012) in â€Å"Serial Killers: Defining Serial Murder† defines what a serial killer is exactlyRead MoreSerial Killers : A Serial Killer Essay1003 Words   |  5 PagesCrimes and criminals define not only places, but certain time periods. Serial killers are usually the ones that individuals tend to remember the most. An individual is considered a serial killer when they murder three or more individuals during a period of time with a cooling off period between each crime (Frailing Harper, 2016). The purpose of this paper is to discuss one of the most controversial and yet famous serial killer, Theodore Robert Bundy. Something interesting that attracts the attentionRead MoreSerial Killers: Are They Born Or Made?. There Are Multiple1230 Words   |  5 PagesSerial Killers: Are They Born or Made? There are multiple theories as to why or how a person can become a serial killer. A serial killer can be a person who murders at least three or more people over a long period of time (Ramsland). Are serial killers born with the need to kill or is it a result of a horrific childhood? These two concepts are associated with the nature vs. nurture theory. â€Å"People on the side of nurture are of the opinion that our environment determines who a person is and becomes†Read MoreCharacteristics of Criminal Offenders810 Words   |  3 PagesCharacteristics of Offenders One of many studies that gave way to the argument that criminal behaviors can be passed down throughout generations was performed by Henry Herbert Goddard’s (The Kallikak Family: A Study in the Heredity of Feeble-Mindedness) a psychologist who study the mental retardation (Forman, J., 1985). Goddard study 1912 reportedly proved that intelligence was hereditary of Feeble-Mindedness. He believed that if ones lack of ability to make sound decisions for oneself; havingRead MoreSerial Killers And The Serial Killer1080 Words   |  5 Pageshelp? This was the technique one of the most infamous serial killer Ted Bundy used to approach his victims and ultimately murder them. B. Background and Audience Relevance: Today, I will be speaking to you about serial killers. C. Speaker Credibility: I decided to do my topic on serial killers because, criminology is something I’m genuinely interested in and would like to learn more about it myself. D. Thesis: By learning about serial killers, hopefully in the future they can be captured fasterRead MoreThe Is The Scientific Study Of Mental Disorders Essay848 Words   |  4 PagesPsychopaths can be defined or determined by many different characteristics, and there are many sub categories to psychopaths, however more often than not psychopaths have common beginnings. Although most psychopaths have common beginnings, police still don’t profile or find psychopaths using efficacy. Psychopathology is the scientific study of mental disorders. A psychopath is a person suffering from a chronic mental disorder with violent social behavior. Psychopaths lack conscience and feelingsRead MoreChild Development: Heredity and Environment1240 Words   |  5 Pagesenvironment, is defined as various external or environmental factors one is exposed to which can be more specifically broken down into social and physical aspects. Nature, itself broken down into heredity, is defined as the genetics and the individual characteristics in one’s personality or even human nature. Beginning at the influential ages of six to eight when children are meant to be exposed to caretakers that meet all their needs, mentally, physically, emotionally, and educationally, some are left

Report on Digi Telecom Essay Free Essays

Recently Digi Telecommunications company is ranked as one of the best Telco companies in Malaysia and this is a report with emphasis on their success strategy derived from a financial analysis of up to date financial highlights of Digi Telecommunications. As it is a firm that is continuing to grow strong financially and a firm listed on the Bursa Stock exchange of Malaysia this report contains a few helpful tips and recommendations for Digi to remain successful and keep improving on its financial management strategies. Introduction The purpose of this report is to give an analysis of the financial position of Digi Malaysia company, mainly providing essential highlights for potential investors. We will write a custom essay sample on Report on Digi Telecom Essay or any similar topic only for you Order Now In this report the content will consist of results of the calculated accounting ratios relevant to reflect profitability and liquidity, a comparison of financial statements and an analysis of the major trends and changes that occurred during the year 2009 and 2010. Another function of this report is to enlighten the reader on the main function of financial management and to define the basic and essential terms used in financial management. Other content of this report are a clear indication of the application of appropriate techniques tan one may use in order to determine whether Digi Malaysia is a healthy company for investment. The conclusion of this report will serve as a guideline for improvement as it will consist of a range of suggestions that are meant to help the company to improve its operations and also boost its financial state and becom more effective and attractive to investors. How to cite Report on Digi Telecom Essay, Essay examples

Journal of Financial Service Professionals - MyAssignmenthelp.com

Question: Discuss about the Journal of Financial Service Professionals. Answer: Part 1 Lee and Kate have been married since the year 2008 and they have known each other since their college days. They have two children named Wyatt aged 5 year and Sawyer aged 3 year. The Lee works full time and gains significant amount of income and on the other hand Kate works part time and plans to work full time once Sawyer joins kindergarten. The couple have the objective of planning their insurances in such a manner so that all their objectives would be met and they along with their children would have a secured lifestyle. Hence, the insurance planning objectives of the couple have been given below: The initial objective of planning the insurance has been to safeguard the future of Wyatt and Sawyer as both of them are infants and have a long course of life ahead of them. In this respect, insurance plans have to be taken with the help of which the future life of their children can be secured. The health status of the Lee addresses that he has plantar fasciitis and occasional joint pain. The family history of Lee even highlights the chances of bowel cancer. The doctor has even suggested taking care of his sleeping and eating habits and has asked not to take much stress. Hence, with these issues it is essential for Lee to purchase an insurance that would be able to provide financial remuneration to his family in case of death and permanent or temporary disablement. In case of any such scenario, his family can be secured and would be able to maintain a smooth and healthy lifestyle. Lee and Kate has observed that their children is quite young and have a long way to go in their life. The couple even has the plan of making their children attend college or universities and educate them so that they can have a successful career. In order to do the same, it is essential that the couple purchases an insurance plan that would be able to meet the future educational expenses of their two children. The couple have individual cars and the cars need to be insured in order to safeguard them from any sort of unprecedented events. Lee draws significant amount of salary annually and therefore needs to purchase insurances that would be able to remunerate similar amount of money to his family so that their financial scenario can be sustained. The other insurance objective has to safeguard their property where they reside so that in case of any unprecedented events their children will and spouse would be able to live properly. The need for insurance even revolves around the fact that the couple has an outstanding mortgage for the house they have bought and in case of any unprecedented events the liability to pay the mortgage would fall on their infant children. Insurance would be helpful in paying the mortgage on their behalf. Part 2 There are various problems that are pertinent with the death, disability or retirement of the couple. These issues need to be highlighted so that the couple can make adequate changes in their plans. There has been an observation that their children are infant and they require sufficient amount of expenses with the help of which they can educate their children and can create a healthy career for them. In case of death, disability and retirement of Lee, the permanent income would be hampered and the family would face financial issues and therefore his plan of educating his children and establishing a career for them would face problems. In the same scenario if the same happens to Kate, then the level of financial issues would be lower but the dependency level would be higher on Lee and therefore he has to maintain various strategies with the help of which the absence of Kate can be mitigated. Lee works in a beer company and earns significant amount of salary with the help of which the he can take care of his family and the associated expenses. Lee has the anticipation that few years down the line he would even get promoted and his salary would increase. However, in case of death, permanent disablement and retirement, this permanent source of income would cease and thereby a huge amount of pressure would fall on Kate and her children. They would be facing adverse financial problems. In case the employment of Kate is ceased due to retirement, death and disability, the level of income would be hampered and she would not be able meet her personal expenses and the investments made by her would diminish. Overall, her family would face problems as well mentally and financially. Lee and Kate have various assets and liabilities that are owned by them. In case Lee expires or has permanent disablement, his permanent income would stop and thereby the investments and the insurances purchased by them would have a serious impact due to non-payment of the premiums. Lee has a mortgage loan for the purchase of the property where they reside and therefore in case of permanent disablement and death the responsibility to pay the mortgage would fall on Kate considering that their income level has fallen as well. In case of Kate, the same issue is persistent as Lee would be burdened with extra responsibility to earn and pay the mortgage and even taking care of their children single handed. Kate and Lee have a mortgage on the house and have various investments in funds and banks and therefore it is their obligation to take care of the same with the help of which the couple can have a safe, healthy and peaceful life. Therefore, in case of death, retirement or disablement, the obligations would fall on the family and repayment of the mortgage, additional payment in the investments would increase. The couple would not be able to undertake further investments as well. Hence, this can have an impact on the financial position of Lee and Kate. The other beneficiaries include the medical insurance in order to cover for any critical medical illness which they may face as they grow older. The couple have a retirement plan and have the objective of maintaining the similar lifestyle even after their retirement. In case of disablement and death, there would be an impact on the retirement plan as the savings that is being undertaken in the retirement savings plan would either stop or decrease and thereby the savings amount for the future could be reduced. Part 3 This section looks to provide the recommendations that could be given to Lee and Kate with respect to insurance planning and retirement planning. There has been an observation that Lee has various insurance and investments but the level investment and insurance can be improved. It is recommended for Lee that he increases the tenure for the RC term policy from Sun Life. He can even increase the sum insured amount by 20% as with the advent of time there will be rise in the cost of living and the educational expense of their children. The Group Benefit Plan, of which Lee is a part, has coverage of his family and his children till the age of 21 or 25 years. However, Lee has to purchase an insurance that would cover the life of their children even after they reach the age of 21 or 25 years. Both Wyatt and Sawyer need to have individual insurance for them with the help of which they can have a secured lifestyle. Lee has another life insurance over which a supplementary insurance is existen t. The premium for this insurance is paid by the employer. But the amount of money that is insured is significantly low as Lee has three dependents. The amount needs to be increased in order to maintain the financial stability of the family even after his death. Lee needs to have individual insurances for Kate as well as she is his wife and in case of any her death Lee can receive certain financial remuneration as well. Maintaining individual insurance for everyone in his family is essential and therefore it is recommended. Lee does have health care and dental care coverage that is included in the Sun Life Assurance Company of Canada. But with the advent of time they would be growing old and would need additional medical expenses and therefore Lee needs to purchase a medical insurance which would remunerate for the medical expenses. In case of any hospital related incidents Lee and his family would even receive cashless facilities and thereby would initiate their treatment timely. L ee can purchase medical insurance from Sun Life as well that would be covering his spouse as well so that every one of them is safe and secured. It is even recommended that Lee undertakes a home insurance as the home they have purchased is relatively new and they have mortgage pending as well. Therefore keeping the house insured can assist in paying the loan back in case anything happens to the couple. The retirement plan that Lee has can be improved as well as his income would increase and with time, issues related to health. There are product recommendations for Kate as well. Kate is a working woman and looks to work full time once Sawyer starts going to kindergarten. She has the expectation that her income would become double then. Hence, she can purchase insurance for herself that would be inclusive of medical insurance as well. Kate can even think of purchasing retirement savings plan so that in case of any mishaps between Lee and Kate, she can have an independent retirement plan for herself. She needs to undertake various investments in RBC Financial Group and thereby have her own savings as well. Both Kate and Lee have debts and therefore investments that have to be undertaken should be inclusive of paying for the debts and the mortgage that is existent for them. Part 4 The recommendations that have been suggested is affordable due to the fact that Lee has significant amount of income and therefore this income would be significant enough with the help of which further insurances can be purchased. Kate earns $ 24,000 annually and expects to get her income doubled. Hence, with this level of income the two products recommended for her can be purchased with ease. The suggestions that have been provided is existent within the current cash flow by adding in the expenses and adjusting the income that Lee and Kate receives. The adjustments that have been made have been highlighted in the cash flow and these adjustments have been made by reducing the expenses that are unwanted for the couple and their family. The reduction in these expenses and the increasing their level of income can be useful for the development of effective cash flow statement. This would even counter the additional insurances that would be purchased. There are no recommendations in the restructuring of debt as the level of debt that is present is precise and the payment amount is appropriate. The adjustments that have been made in the cash flow statement has been highlighted in the table below and the changes have been made in accordance to the new products that have been recommended. The assumptions that have taken includes that the rate of interest is constant and there has been growth in the investments and income growth. Cash Flow Statement Current Recommended Particulars Lee Kate Total Lee Kate Total Gross Income $ 83,500 $ 24,000 $ 107,500 $ 83,500 $ 24,000 $ 107,500 Canada Child Benefit $ 6,000 $ 6,000 $ 6,000 $ 6,000 Car Allowance $ 3,600 $ 3,600 $ 3,600 $ 3,600 Premium for Insurance -$ 185 -$ 185 -$ 222 -$ 222 Premium for Disability Coverage -$ 807 -$ 807 -$ 807 -$ 807 Contribution to Defined Benefit Pension Plan -$ 10,020 -$ 10,020 -$ 10,020 -$ 10,020 Mortgage Payment -$ 4,428 -$ 4,428 -$ 8,856 -$ 4,428 -$ 4,428 -$ 8,856 Groceries Pharmacies -$ 8,100 -$ 8,100 -$ 16,200 -$ 8,100 -$ 8,100 -$ 16,200 Property Tax -$ 2,400 -$ 2,400 -$ 4,800 -$ 2,400 -$ 2,400 -$ 4,800 Utilities -$ 2,250 -$ 2,250 -$ 4,500 -$ 2,250 -$ 2,250 -$ 4,500 Car Insurance -$ 1,080 -$ 1,080 -$ 2,160 -$ 1,080 -$ 1,080 -$ 2,160 Gas -$ 2,100 -$ 2,100 -$ 4,200 -$ 2,100 -$ 2,100 -$ 4,200 Clothing -$ 900 -$ 900 -$ 1,800 -$ 900 -$ 900 -$ 1,800 Entertainment -$ 1,800 -$ 1,800 -$ 3,600 -$ 1,800 -$ 1,800 -$ 3,600 Phone, Internet Cable -$ 960 -$ 960 -$ 1,920 -$ 960 -$ 960 -$ 1,920 Home Insurance -$ 450 -$ 450 -$ 900 -$ 540 -$ 540 -$ 1,080 Group Supplementary -$ 60 -$ 60 -$ 75 -$ 75 RESP -$ 2,640 -$ 2,640 -$ 2,640 $ 2,640 Spousal RRSP -$ 2,400 -$ 2,400 -$ 2,400 -$ 2,400 Medical Insurance -$ 1,440 -$ 1,440 Net Cash Savings $ 46,520 $ 5,532 $ 52,052 $ 44,938 $ 5,442 $ 55,660 Bibliography Lynch, K.M., 2016. Solid risk management system should include insurance planning to protect assets. Parthemer, M.R. and Christie, J.C., 2016. Insurance Planning and the Possible End of Life as We Know It: Low Interest Rates and Family Entity Discounts.Journal of Financial Service Professionals,70(4), pp.24-33.

7 Ways To Stay Positive While Job Searching

7 Ways To Stay Positive While Job Searching It’s so easy to succumb to frustration while looking for employment. There’s always that moment of despair as  the form rejections to our applications keep on pouring in  when we think there’s no way we’ll ever find our dream job. But it’s always better to be proactive than to remain passive- there’s no sense wallowing in doubt. When you feel the negativity start to creep in, try one of these instead.1. Tap into your strengthsEven if you don’t feel like you have any†¦you do. Sit yourself down for five minutes and list 5-10 things you do really well. These can be relevant to your career or just relevant to your capacity for success. This to-do acts as  a good reminder of your worth and can be repeated frequently!2. Rest on your laurelsSame strategy. Sit down and make a list of a few major accomplishments in your life thus far- milestones you’ve achieved. Then think about whether you ever doubted your ability to make th em happen. Probably, you did. This next milestone is no different.3. Let it goYou don’t have to be religious to take a step back and gain a little perspective. Try mindfulness meditation, or just contemplate for a moment the idea that there is something bigger, much bigger, at work in the world than you and whether or not you get this job. Taking that deep breath can really reset your sense of scale.4. Phone a friendRather than holing up in isolation, ask for help. Tap into your network of friends, or even colleagues, for solace. Tell them you’re feeling down about yourself and the job hunt process. Chances are, they’ll give you the pep talk you need.5. Keep movingDon’t just sit there staring at your empty inbox and feeling sorry for yourself. Get out of the house and do something- preferably something that isn’t all about you. Check out some local volunteering options. You’ll feel better having helped someone.6. ExerciseIt’s good for you. It will increase your quality of life, decrease your stress, and release a cascade of endorphins that can’t help but make you feel a little better.7. RelaxStarting to feel totally overwhelmed? Make sure to check in with yourself frequently and acknowledge your fears and emotions. If it’s all getting to be a bit too much, take a break for a day- or even a couple of weeks. The recharge time won’t cost you much, and might just give you the boost you need to get back out there.

Carbon Monoxide Detectors and How They Work

Carbon Monoxide Detectors and How They Work According to the Journal of the American Medical Association, carbon monoxide poisoning is the leading cause of accidental poisoning deaths in America. Carbon monoxide detectors are available, but you need to understand how they work and what their limitations are in order to decide whether or not you need a detector and, if you purchase a detector, how to use it to get the best protection. What is Carbon Monoxide? Carbon monoxide is an odorless, tasteless, invisible gas. Each carbon monoxide molecule is composed of a single carbon atom bonded to a single oxygen atom. Carbon monoxide results from the incomplete combustion of fossil fuels, such as wood, kerosene, gasoline, charcoal, propane, natural gas, and oil. Where is Carbon Monoxide Found? Carbon monoxide is present in low levels in the air. In the home, it is formed from incomplete combustion from any flame-fueled (i.e., not electric) device, including ranges, ovens, clothes dryers, furnaces, fireplaces, grills, space heaters, vehicles, and water heaters. Furnaces and water heaters may be sources of carbon monoxide, but if they are vented properly the carbon monoxide will escape to the outside. Open flames, such as from ovens and ranges, are the most common source of carbon monoxide. Vehicles are the most common cause of carbon monoxide poisoning. How Do Carbon Monoxide Detectors Work? Carbon monoxide detectors trigger an alarm based on an accumulation of carbon monoxide over time. Detectors may be based on a chemical reaction causing a color change, an electrochemical reaction that produces current to trigger an alarm or a semiconductor sensor that changes its electrical resistance in the presence of CO. Most carbon monoxide detectors require a continuous power supply, so if the power cuts off then the alarm becomes ineffective. Models are available that offer back-up battery power. Carbon monoxide can harm you if you are exposed to high levels of carbon monoxide in a short period of time, or to lower levels of carbon monoxide over a long period of time, so there are different types of detectors depending on how the level of carbon monoxide is measured. Why is Carbon Monoxide Dangerous? When carbon monoxide is inhaled, it passes from the lungs into the hemoglobin molecules of red blood cells. Carbon monoxide binds to hemoglobin at the same site as and preferentially to oxygen, forming carboxyhemoglobin. Carboxyhemoglobin interferes with the oxygen transport and gas exchange abilities of red blood cells. The result is that the body becomes oxygen-starved, which can result in tissue damage and death. Low levels of carbon monoxide poisoning cause symptoms similar to those of the flu or a cold, including shortness of breath on mild exertion, mild headaches, and nausea. Higher levels of poisoning lead to dizziness, mental confusion, severe headaches, nausea, and fainting on mild exertion. Ultimately, carbon monoxide poisoning can result in unconsciousness, permanent brain damage, and death. Carbon monoxide detectors are set to sound an alarm before the exposure to carbon monoxide would present a hazard to a healthy adult. Babies, children, pregnant women, people with cir culatory or respiratory ailments, and the elderly are more sensitive to carbon monoxide than healthy adults. Where Should I Place a Carbon Monoxide Detector? Because carbon monoxide is slightly lighter than air and also because it may be found with warm, rising air, detectors should be placed on a wall about 5 feet above the floor. The detector may be placed on the ceiling. Do not place the detector right next to or over a fireplace or flame-producing appliance. Keep the detector out of the way of pets and children. Each floor needs a separate detector. If you are getting a single carbon monoxide detector, place it near the sleeping area and make certain the alarm is loud enough to wake you up. What Do I Do if the Alarm Sounds? Dont ignore the alarm! It is intended to go off before you are experiencing symptoms. Silence the alarm, get all members of the household to fresh air, and ask whether anyone is experiencing any of the symptoms of carbon monoxide poisoning. If anyone is experiencing symptoms of carbon monoxide poisoning, call 911. If no one has symptoms, ventilate the building, identify and remedy the source of the carbon monoxide before returning inside, and have appliances or chimneys checked by a professional as soon as possible. Additional Carbon Monoxide Concerns and Information Dont automatically assume that you need or dont need a carbon monoxide detector. Also, dont assume that you are safe from carbon monoxide poisoning just because you have a detector installed. Carbon monoxide detectors are intended to protect healthy adults, so take the ages and health of family members into account when assessing the effectiveness of a detector. Also, be aware that the average life span of many carbon monoxide detectors is about 2 years. The test feature on many detectors checks the functioning of the alarm and not the status of the detector. There are detectors that last longer, indicate when they need to be replaced, and have power supply backups you need to check to see whether a particular model has the features you require. When deciding whether or not to purchase a carbon monoxide detector, you need to consider not only the number and type of carbon monoxide sources but also the construction of the building. A newer building may have more airtight construction and may be better insulated, which make it easier for carbon monoxide to accumulate.