The Farmers Market

The Farmers Market The farmers markets, which are often organized as non-commercial organizations, play an important role in the emerging of the alternative food network. The impact of these organizations on the development of the food network partially can be explained by the processes of the regional clustering1.Advertising We will write a custom essay sample on The Farmers Market specifically for you for only $16.05 $11/page Learn More The farmers market in this particular case fulfils the function of the food distribution from the agricultural to the urban environment. With the rapid growth of the urban population, the need for the food supply is constantly increasing. At the same time, many products are produced in the suburban areas. Together they form the chain that plays an important role in the food supply. â€Å"Allegedly the tradition of direct agricultural markets was brought to North America from Europe and spread across the continent with European settlementâ₠¬  2 The first reported case of the farmers market appearance in America took place in the seventeenth century. However, the real boom of the farmers markets was observed beginning from the 1970. The existing popularity of this AFN may be explained by many factors. These are not only the producers wish for the attaining benefits and the consumers interest in the fresh foods, but also the specific friendly atmosphere on the farmers market. The importance of this sphere for the American food system can hardly be overestimated. The benefits of the farmers market are obvious as for the consumers as well as for the farmers. The consumers are attracted by the fresh and healthy products, and by the great variety of them, as compared with the supermarket chain.Advertising Looking for essay on agriculture? Let's see if we can help you! Get your first paper with 15% OFF Learn More Consumers patronize farmers markets first and foremost because of the superior quality o f the produce relative to that which may be found at regular large-scale supermarkets. 3 Low prices are another benefit of the farmers markets. It goes without saying, that the quality of the products is better than in the supermarket. For the farmers the benefit lies in the cost saving of the production transportation and in the ability of the wholesale with the large grocery companies. Moreover, sometimes the farmers are attracted by the simplicity of the trade process and the absence of the bureaucratic acrimony, as it often happens with the large companies. Not only the freshness of the products, but also the direct contact of the consumer with the farmers were the main factors, which guaranteed the farmers markets popularity. Moreover, this AFN profited the development of the local agricultural sector and for the development of the local economy. Qazi and Selfa in their research found out that the major part of the customers were attracted by the freshness of the products and b y the great possibility of choice, rather than money economy. 4 At the same time, it must be admitted that there are several definite problems with which the producers of the agricultural products face. Industrialization is one of them. Historically the structure of agriculture in America was organized on the basis of the hereditary system which was â€Å"a powerful and effective form of economic organization†5. Such a structure was not only the basis of the economic wealth, but also the â€Å"important social and political value to the development of our nation†.6Advertising We will write a custom essay sample on The Farmers Market specifically for you for only $16.05 $11/page Learn More Last time, there is a tendency for changing of this agricultural structure. In the present time, the circumstances force farmers to increase the output of the production. It leads to the industrialization and the commercialization of the agricultural structur e. According to the statistic research the amount of farms are constantly decreasing. Such a tendency constitutes a menace to the existing of the farmers markets. The problem is not only in reducing the amount of farms. At the present day, a great deal of farmers in order to be competitive use the modern technologies. The industrialization of the agricultural sector often leads to the usage of the genetic engineering in farming. Many researches state that the industrialization possesses a definite threat to farming. In spite the fact that the influence of it on the global economy of the country is doubtful, Hamilton proposes several ways to sustain it at least in the agricultural sphere. First, it is necessary to reignite the debate over the industrialization7 in order the society to understand all its consequences. Secondly, it is necessary to regulate some economic relations, such as the use of the contract production in the cattle breeding. Moreover, there must be implemented a c ertain regulatory environment for the farmers protection. In spite all these negative factors, it is necessary to mention some positive events in the sphere of the farming. Not so long ago, there appeared several farming independent organizations such as the American Farm Bureau Federation, or the National Corn Growers Association.Advertising Looking for essay on agriculture? Let's see if we can help you! Get your first paper with 15% OFF Learn More Though the tendency for the industrialization of the agricultural field is still high, the consumers’ interest for the fresh agrarian products does not subside. With the development of the industrialization, the price for the natural products becomes a less significant factor for the consumer. The interest to this AFN will promote the appearance of the new markets. Bibliography Hamilton, Neil. Agriculture Without Farmers? Is Industrialization Restructuring American Food Production and Threatening the Future of Sustainable Agriculture?. Northern Illinois University Law preview 14. (1994): 613-657 Porter, Michael. Location, Competition, and Economic Development: Local Clusters in a Global Economy. Economic Development Quarterly 14, no. 15. (2000): 15-34. Taylor, Davis and Chad Mille. Rethinking local business clusters: the case of food clusters for promoting community development. Community Development 41, no.1. (2010): 108-120. Spitzer, Thomas and Henry Baum. â€Å"Public Mar kets and Community Revitalization†. The Urban Land Institute and Project for Public Spaces 10. (1995):29-69. Qazi, Joan and Theresa Selfa. â€Å"The Politics of Building Alternative Agro-food Networks in the Belly of Agro-industry†. University of Exeter in Cornwall, and Utah State University 14. (2004):46-71. Footnotes 1 Davis Taylor and Chad Mille, Rethinking local business clusters: the case of food clusters for promoting community development, Community Development 41, no.1, (2010): 114. 2 Thomas Spitzer and Henry Baum, â€Å"Public Markets and Community Revitalization†, The Urban Land Institute and Project for Public Spaces 10, (1995):41 3 Michael Porter, Location, Competition, and Economic Development: Local Clusters in a Global Economy, Economic Development Quarterly 14, no. 15, (2000): 16. 4 Joan Quazi and Theresa Selfa, â€Å"The Politics of Building Alternative Agro-food Networks in the Belly of Agro-industry†, University of Exeter in Cornwall, an d Utah State University 14, (2004):52. 5 Neil Hamilton, Agriculture Without Farmers? Is Industrialization Restructuring American Food Production and Threatening the Future of Sustainable Agriculture?, Northern Illinois University Law preview 14, (1994): 614 6 Ibid., 614. 7 Ibid., 648

The Complete Guide to Conic Sections on ACT Math

The Complete Guide to Conic Sections on ACT Math SAT / ACT Prep Online Guides and Tips You will usually see one conic section question (though no more than one) on any given ACT, but just what is a conic section and how do you solve it? Luckily for us, though conic section questions are rare, they are generally straightforward and can get you an easy point if you take a few minutes to study them. This will be your complete guide to conic sections- what they are, how you'll see them on the test, and the best way to approach these types of ACT math questions. What Are Conic Sections? A conic section is any intersection of a cone (a three dimensional figure) and a plane (a flat, infinite surface). Depending on how the plane slices the cone, the intersection will create: A circle A parabola An ellipse A hyperbola Picture: Magister Mathematicae/Wikimedia For the ACT, you will only need to know about circles and parabolas. And the only parabola knowledge you'll need are covered by your quadratic functions. The ACT will never test you on ellipses or hyperbolas. What You'll Need to Know About Conic Sections The only piece of information you really need to understand to master conic sections on the ACT is the equation of a circle. Every ACT conic section question will ask you information about this equation and you must either find the proper equation from given information or identify the individual pieces that make up this equation. Equation of a Circle $$(x - h)^2 + (y - k)^2 = r^2$$ This is the equation of a circle. $h$ and $k$ are the coordinates for the center of the circle. $h$ stands in place of the $x$-coordinate and $k$stands in place of the $y$-coordinate. The center will, therefore, be at $(h, k)$. $r$ is the radius of the circle. â™ ª Love (and the equation of a circle) is all you need. â™ ª Picture: byronv2/Flickr Typical ACT Conic Section Questions Though you will only have to know the equation of a circle to solve your conic section questions, you may see conic section questions in a few different ways- as a word problem, as a diagram problem, and/or as a scenario problem. But no matter their form, it should be pretty straightforward to solve the problem if you remember your formula. Let's look at a typical ACT conic section problem. We can see, based on the graph, that our center coordinates for our circle are $(4, 0)$. This means that we can count from the circumference to the center to find that our radius is also 4. So if we replace these values with our $(h, k)$ and our $r$ in the equation for a circle, we would get: $(x - h)^2 + (y - k)^2 = r^2$ $(x - 4)^2 + (y - 0)^2 = 4^2$ $(x - 4)^2 + y^2 = 16$ This means that our final answer is G. ACT Math Strategies for Conic Section Questions Though conic sections are generally fairly simple, you will be able to solve them more easily if you use strategy (especially if you forget your key information on test day). #1: Prioritize Your Time and Energy Conic sections are one of the least common ACT math topics. This type of question may or may not show up on your ACT, and even if it does, there will only be one question on circle equations per test. Though it is not a guarantee that you will see it, it is a useful formula for you to know if you're trying for every last math point. #2: Memorize the Circle Formula If you're going for every last point, then be sure to memorize your circle formula. On every ACT conic section question, you will be given a string of answer choices that all look incredibly similar. This is to muddy the waters for anyone who only has a passing recollection (or no recollection) of the formula. Your best bet for a near guaranteed point on all conic section questions is to simply memorize the formula and quiz yourself on it before test day to make sure you have it down. #3: Alternatively, Remember Just a Piece of the Formula and Guess Strategically If you're worried for any reason that you'll forget your formula or if you would just rather spend your time memorizing more common ACT math formulas like slopes and angles, then even remembering a piece of the circle formula is better than not memorizing any part of it at all. For instance, if you don't remember the $(x - h)^2 + (y - k)^2$ side of the formula, but you do remember that the other side is the radius squared (and not just the radius), you will often be able to eliminate two or three answer choices. Now you have between a 33% and a 50% of guessing the right answer, which is certainly better than a 20% blind guess. So pick just a piece of the circle formula and commit it to heart, even if you can't or won't for any reason memorize the whole thing. Ready to show 'em what you got? Test Your Knowledge So let's put your knowledge to the test on real ACT math problems about conic sections. 1. 2. 3. If a circle has a circumference that is tangent to the origin and a midpoint at $(0, -7)$, which of the following is the equation of that circle? A. $x^2 + (y - 7)^2 = 49$B. $x ^2 + (y + 7)^2 = 49$C. $(x - 7)^2 - y^2 = 49$D. $(x - 7)^2 + y^2 = 7$E. $x^2 - y^2 = 7$ Answers: E, F, B Answer Explanations: 1. For this problem, we know that our circle's midpoint is at the origin, which gives it the coordinates $(0,0)$. We can also see that the radius of the circle is 52. That means that our circle formula will be: $(x - h)^2 + (y - k)^2 = r^2$ $(x - 0)^2 + (y - 0)^2 = 52^2$ $x^2 + y^2 = 52^2$ Our final answer is E, $x^2 + y^2 = 52^2$ 2. For this question, we are actually working backwards, but the principle of the circle formula hold true. We must simply use the values we are given and reverse engineer them to find what we need. We know that our circle formula is: $(x - h)^2 + (y - k)^2 = r^2$ If our equation is then: $(x - 5)^2 + y ^2 = 38$, then we know that the radius must be the square root of 38 and the midpoint must be $(5, 0)$. Our final answer is F. 3. As usual when working without a diagram, let's draw a quick sketch of the scene. We know that the midpoint is at $(0, -7)$ and the circle is tangent to the origin, so this is the circle we're dealing with. We know that the radius is, therefore, 7 and we can plug the midpoint values into our equation. $(x - h)^2 + (y - k)^2 = r^2$ $(x - 0)^2 + (y - -7)^2 = 7^2$ $x^2 + (y + 7)^2 = 49$ Our final answer is B, $x^2 + (y + 7)^2 = 49$ The Take-Aways Though conic section questions are relatively rare, if you're going for every last point, it's a good idea to memorize your circle formula (or even just a piece of it) for a quick point. You will never be asked to do more than identify it when you see it or to identify its pieces, so go ahead and grab it if you can. What's Next? Want to brush up on any of your other math topics? Check out our individual math guides to get the walk-through on each and every topic on the ACT math test. You should also be sure to take a look at our articles on how to complete the square and the four different graph quadrants. Worried what the Ivy Leagues think of the ACT? Learn how some of the top schools in the United States feel about the ACT vs. the SAT. Running out of time on the ACT math section? We'll teach you how to beat the clock and maximize your ACT math score. Trying to get a perfect score? Check out our guide to getting a perfect 36 on ACT math, written by a perfect-scorer. Want to improve your ACT score by 4 points? Check out our best-in-class online ACT prep program. We guarantee your money back if you don't improve your ACT score by 4 points or more. Our program is entirely online, and it customizes what you study to your strengths and weaknesses. If you liked this Math lesson, you'll love our program. Along with more detailed lessons, you'll get thousands of practice problems organized by individual skills so you learn most effectively. We'll also give you a step-by-step program to follow so you'll never be confused about what to study next. Check out our 5-day free trial:

The Complete Guide to Conic Sections on ACT Math

The Complete Guide to Conic Sections on ACT Math SAT / ACT Prep Online Guides and Tips You will usually see one conic section question (though no more than one) on any given ACT, but just what is a conic section and how do you solve it? Luckily for us, though conic section questions are rare, they are generally straightforward and can get you an easy point if you take a few minutes to study them. This will be your complete guide to conic sections- what they are, how you'll see them on the test, and the best way to approach these types of ACT math questions. What Are Conic Sections? A conic section is any intersection of a cone (a three dimensional figure) and a plane (a flat, infinite surface). Depending on how the plane slices the cone, the intersection will create: A circle A parabola An ellipse A hyperbola Picture: Magister Mathematicae/Wikimedia For the ACT, you will only need to know about circles and parabolas. And the only parabola knowledge you'll need are covered by your quadratic functions. The ACT will never test you on ellipses or hyperbolas. What You'll Need to Know About Conic Sections The only piece of information you really need to understand to master conic sections on the ACT is the equation of a circle. Every ACT conic section question will ask you information about this equation and you must either find the proper equation from given information or identify the individual pieces that make up this equation. Equation of a Circle $$(x - h)^2 + (y - k)^2 = r^2$$ This is the equation of a circle. $h$ and $k$ are the coordinates for the center of the circle. $h$ stands in place of the $x$-coordinate and $k$stands in place of the $y$-coordinate. The center will, therefore, be at $(h, k)$. $r$ is the radius of the circle. â™ ª Love (and the equation of a circle) is all you need. â™ ª Picture: byronv2/Flickr Typical ACT Conic Section Questions Though you will only have to know the equation of a circle to solve your conic section questions, you may see conic section questions in a few different ways- as a word problem, as a diagram problem, and/or as a scenario problem. But no matter their form, it should be pretty straightforward to solve the problem if you remember your formula. Let's look at a typical ACT conic section problem. We can see, based on the graph, that our center coordinates for our circle are $(4, 0)$. This means that we can count from the circumference to the center to find that our radius is also 4. So if we replace these values with our $(h, k)$ and our $r$ in the equation for a circle, we would get: $(x - h)^2 + (y - k)^2 = r^2$ $(x - 4)^2 + (y - 0)^2 = 4^2$ $(x - 4)^2 + y^2 = 16$ This means that our final answer is G. ACT Math Strategies for Conic Section Questions Though conic sections are generally fairly simple, you will be able to solve them more easily if you use strategy (especially if you forget your key information on test day). #1: Prioritize Your Time and Energy Conic sections are one of the least common ACT math topics. This type of question may or may not show up on your ACT, and even if it does, there will only be one question on circle equations per test. Though it is not a guarantee that you will see it, it is a useful formula for you to know if you're trying for every last math point. #2: Memorize the Circle Formula If you're going for every last point, then be sure to memorize your circle formula. On every ACT conic section question, you will be given a string of answer choices that all look incredibly similar. This is to muddy the waters for anyone who only has a passing recollection (or no recollection) of the formula. Your best bet for a near guaranteed point on all conic section questions is to simply memorize the formula and quiz yourself on it before test day to make sure you have it down. #3: Alternatively, Remember Just a Piece of the Formula and Guess Strategically If you're worried for any reason that you'll forget your formula or if you would just rather spend your time memorizing more common ACT math formulas like slopes and angles, then even remembering a piece of the circle formula is better than not memorizing any part of it at all. For instance, if you don't remember the $(x - h)^2 + (y - k)^2$ side of the formula, but you do remember that the other side is the radius squared (and not just the radius), you will often be able to eliminate two or three answer choices. Now you have between a 33% and a 50% of guessing the right answer, which is certainly better than a 20% blind guess. So pick just a piece of the circle formula and commit it to heart, even if you can't or won't for any reason memorize the whole thing. Ready to show 'em what you got? Test Your Knowledge So let's put your knowledge to the test on real ACT math problems about conic sections. 1. 2. 3. If a circle has a circumference that is tangent to the origin and a midpoint at $(0, -7)$, which of the following is the equation of that circle? A. $x^2 + (y - 7)^2 = 49$B. $x ^2 + (y + 7)^2 = 49$C. $(x - 7)^2 - y^2 = 49$D. $(x - 7)^2 + y^2 = 7$E. $x^2 - y^2 = 7$ Answers: E, F, B Answer Explanations: 1. For this problem, we know that our circle's midpoint is at the origin, which gives it the coordinates $(0,0)$. We can also see that the radius of the circle is 52. That means that our circle formula will be: $(x - h)^2 + (y - k)^2 = r^2$ $(x - 0)^2 + (y - 0)^2 = 52^2$ $x^2 + y^2 = 52^2$ Our final answer is E, $x^2 + y^2 = 52^2$ 2. For this question, we are actually working backwards, but the principle of the circle formula hold true. We must simply use the values we are given and reverse engineer them to find what we need. We know that our circle formula is: $(x - h)^2 + (y - k)^2 = r^2$ If our equation is then: $(x - 5)^2 + y ^2 = 38$, then we know that the radius must be the square root of 38 and the midpoint must be $(5, 0)$. Our final answer is F. 3. As usual when working without a diagram, let's draw a quick sketch of the scene. We know that the midpoint is at $(0, -7)$ and the circle is tangent to the origin, so this is the circle we're dealing with. We know that the radius is, therefore, 7 and we can plug the midpoint values into our equation. $(x - h)^2 + (y - k)^2 = r^2$ $(x - 0)^2 + (y - -7)^2 = 7^2$ $x^2 + (y + 7)^2 = 49$ Our final answer is B, $x^2 + (y + 7)^2 = 49$ The Take-Aways Though conic section questions are relatively rare, if you're going for every last point, it's a good idea to memorize your circle formula (or even just a piece of it) for a quick point. You will never be asked to do more than identify it when you see it or to identify its pieces, so go ahead and grab it if you can. What's Next? Want to brush up on any of your other math topics? Check out our individual math guides to get the walk-through on each and every topic on the ACT math test. You should also be sure to take a look at our articles on how to complete the square and the four different graph quadrants. Worried what the Ivy Leagues think of the ACT? Learn how some of the top schools in the United States feel about the ACT vs. the SAT. Running out of time on the ACT math section? We'll teach you how to beat the clock and maximize your ACT math score. Trying to get a perfect score? Check out our guide to getting a perfect 36 on ACT math, written by a perfect-scorer. Want to improve your ACT score by 4 points? Check out our best-in-class online ACT prep program. We guarantee your money back if you don't improve your ACT score by 4 points or more. Our program is entirely online, and it customizes what you study to your strengths and weaknesses. If you liked this Math lesson, you'll love our program. Along with more detailed lessons, you'll get thousands of practice problems organized by individual skills so you learn most effectively. We'll also give you a step-by-step program to follow so you'll never be confused about what to study next. Check out our 5-day free trial:

Macy's Department Stores - The Competency Research Paper

Macy's Department Stores - A Competency - Research Paper Example This pattern of choice must start with the individual; there cannot be a group ethic that is in agreement without individual ethics. At Macy’s as in any organizational environment, an individual is a person who must make choices regarding how to behave. This behavior can be broken down into two categories: the choice as it affects the society around the person making the decision, and the decision as it affects the person making the choice. An individual who is making an ethical decision must think of how the behavior will affect others in terms of positive and negative repercussions, and they must also think how the decision will affect themselves in terms Part of the ethics of Macy’s includes what the company sees as its duty, and its employees’ duty, to give back to the community. Individual ethics, after all, is just an extension of the ethics of the community and society. â€Å"Support for our communities comes through gifts from the company, the Macys Foundation, and our employees. We've also made it possible for our customers to join us in "giving back" through our programs such as Thanks for Sharing, Shop for a Cause, and Go Red, the American Heart Associations women's heart health program† (Diversity, 2009). A company can install a program that benefits them personally; however, it might not benefit the rest of society, because it represents them cutting corners to get ahead, or seeking credentials in a way that is fraudulent, and will make them ultimately feel bad. Ethics can be a personal decision that can also be reflected by an external group or group philosophy, and although some would argue against ab solutism in ethics, this absolutism is definitely strong in rational theory portrayals.  

Cross-cultural Management Essay Example | Topics and Well Written Essays - 1750 words

Cross-cultural Management - Essay Example d by non-occupied markets, cheap labor force, tax exemptions, convenient locations and they are positioning themselves to the new territories to increase their value (Konecena, 2006). All these factors contribute to the new area of management; cross cultural management. The concept of cross-cultural team management was emphasized on when western countries recognized a huge inflow of expatriates. As a result the composition of workforce over there became more diverse in nature. Since the managers were still using the western way of team management, it was not considered the best way of handling individuals who arrived from different parts of the world. This sparked the interest of researchers to focus on cross cultural issues in management literature (Taras & Rowney, 2006). This paper focuses on the particular aspect of cross cultural management; team building and their management. Teams are a core characteristic of every organization and they are formed and nurtured to achieve organizational goals and objectives. The emerging trend towards cross cultural teams has attracted the attention of many managers as these teams are considered as more innovative and creative than ordinary teams. However there are contentious issues and challenges underlying the above concept. If managers comprehend on these issues thoroughly then only they can derive substantial benefits from it and can enhance organizational effectiveness. This document also focuses on difference in working styles of diverse range of cultures and how they affect team performance. According to Kreitner & Kinicki (2004), â€Å"Cross cultural management explains the behavior of people in organizations around the world and shows people how to work in organizations with employee and client populations from many different cultures†. Cross cultural team management encompasses the word â€Å"team† in above definition. Multicultural workgroups and teams are now no longer described as a voluntary practice but

Personal Finance Plan Worksheet Essay Example for Free

Personal Finance Plan Worksheet Essay The process of creating a detailed plan to meet your financial needs and prepare for the future is called b. personal financial planning. 2. Which of the following is not one of the five major steps of the financial planning process? c. collect and organize your financial information 3. Which phase in life is commonly associated with focus on marriage, family, purchasing a home, and career development? c. ate 20’s through your 40’s 4. Which of the following is a benefit of having a college degree that can affect your financial planning? d. all the above 5. Which of the following elements of a comprehensive financial plan involves analyzing future needs, such as saving for retirement or college funding for dependents? d. protecting wealth and dependents Directions Respond to the following short-answer questions in 50-to 100-words: 6. People have different styles when it comes to handling their money. List the two things that affect your personal beliefs and opinions about financial planning. How well do you feel you manage your money? Can you spot areas for improvement in your money management style, and if so, where/how? a. Two things that affect my personal beliefs about financial planning are: my family composition and values. I want my family to be comfortable and I also save but not as much and often as I should. Making sure I save for hard time and my family stability is a must. Setting up a budget is a main topic in my household. b. I can do better and stop tapping into my savings. I do have a savings account that is linked to my account. Everytime I spend something a dollar is sent to my savings, so that also help me balance my account as well. I also need to focus on our needs and not what we want. c. Yes I could stop spending more money and save more which is hard because we just moved and we are buying the house we are renting. Im putting money into the house but bills still have to be paid. We are starting to do a budget to eliminate the how, who, when, and where. 7. Which element of the comprehensive financial plan focuses on your housing needs, setting aside money for emergencies, and establishing a career path? Consider your own finances. Do currectly own a vehicle and/or home? If yes, how well do you manage monthly home and auto expenses? How well do you save for unforeseen expenses? a. Securing basic needs b. I own two vehicles and purchasing a home. We pay our mortgage at the beginning of the month in which we split, we pay the bills as soon as we get the bills and we split those as well, then the car notes are split up, and at the end of the month our car insurance is due. c. We have a savings account that pulls money from our checking whenever we spend money nd then we literally have what I call a piggy bank and we save change as well. There is nothing wrong about saving change because it does add up. 8. The economy is unpredictable and can affect your personal financial planning. List one factor in economic conditions that may affect your financial future. How could you reduce the impact of that factor on your finances? a. Inflation b. To reduce the affect of inflation is to save and go on a budget. You can also shop smarter by shopping cheaper, like generic brands. Also using coupons and your rewards card to reduce the cost of groceries and gas. You can shop around for the cheapest prices and most of the time if you buy in bulk its cheaper. 9. Which step in the five-step financial planning process requires you to organize your financial information, create personal financial statements, and evaluate your current financial position? Have you ever completed this step? If so, is it still applicable to your current financial situation? If not, do you plan to do this soon? Why or why not? a. Step1: Analyze your current financial position. b. Yes I have done it before, but now we just moved and we are now creating a new budget. Since the bills have changed we have to do a new budget and gather our bank statements, bills, and calculater our income to be more financially stable and save more money. We are currently going over a new budget as we speak. 10. Step Five in the five-step financial planning process discusses the importance of regularly reevaluating and revising your plan because personal circumstances often change. List two life changes that may require you to update your financial plan. Have you recently experienced a change that requires you to reevaluate your financial plan? If so, what was it and how have you accommodated it? (Please share only what you are comfortable sharing) a. Marriage and children b. I just recently got married and we’re just purchasing a home. My husband just received social security and 100% in military disability and I work. This make it a little easier for us to make it. I do have children and one is disabled so its tough but we make it. We split everything down the middle so no one person would be overwhelmed with paying all the bills on their own. We try to do a budget and stick to it. We do bargin shop and try to limit where we go due to high gas prices. We also put money to the side for different things we want to do whether its go out to eat, go to the movies, or date night. We also put money back for food and gas. We include everything we do and everything that can happen in our budget and daily life.

The Suppression of the Nineteenth-Century Catholics :: European History Essays

The Suppression of the Nineteenth-Century Catholics Missing Works Cited    During the seventeenth and eighteenth centuries, vicars were under direct authority from Rome, and controlled the Roman Catholic Church of England. It was not until the early nineteenth century, under Pope Pius IX, that the Church decided to split England into several smaller districts, each headed by a bishop. London papers began following the growth and leadership change of the Roman Church in England. One article in The Times stated that "Rome had mistaken the High Church renewal, the Oxford Movement, within the Church of England for a Romeward move" (qtd. in Bowen 148). Several bishops tried to explain to The Times and its readers that the new hierarchy was simply a matter of church government and had nothing to do with politics or national life in England. The Roman Catholic Church thought that it would be better for their congregations to have a local bishop they could rely on, rather than having nearly all of the control in Rome. As the Roman Catholic Church began its restructuring, Parliament passed a proviso that enabled them to control the public acts of Catholics. According to Bowen the proviso banned Roman Catholics from: performing rites in public, no officer of the law was allowed to wear his robe in public, no monk was able to wear his habit, no processions were allowed in the streets and no funerals were allowed to be conducted at grave sites. Every male member of the Catholic religious order was forced to register with the clerk of the peace, and no new members were allowed once the proviso passed. (19) The only Catholics left undisturbed by the new proviso were cloisters of nuns. Despite the new proviso, the number of Catholics began to grow. This increasing number is attributed to the immigrating Irish who were coming to England to escape over-population and the beginnings of a famine. The English were already anti-Irish, and they heightened their prejudice by attaching the anti-Catholic prejudice onto the immigrating Irish. The majority of the immigrating Irish were tenant farmers, who were unable to support and feed their families. This was caused by the decreasing size of farms and an increase in agriculture inefficiency (McCaffrey 16). The British landowners who controlled the barren property did nothing to help the starving Irish. The farmers felt dehumanized and demoralized, possessing neither the hope of progress nor the desire for improvement (McCaffrey 15).