A Thrifty Persons Guide to Downsizing

A Thrifty Persons Guide to Downsizing A Thrifty Persons Guide to Downsizing A Thrifty Persons Guide to DownsizingMoving to a smaller home could be a great way to save money, but there are lots of factors to consider beside pure square footage!When you read the word “downsizing,” you probably think of the 2017 Alexander Payne film. It’s certainly the first thing that comes up when you Google the term.But “downsizing” doesn’t just refer to a mid-budget film in which Matt Damon and his wife, Kristen Wiig, decide to go through a shrinking procedure in order to simplify their lives. It’s also a way you could cut down on some clutter and costs in your own life as well. And you don’t even need to shrink down to do it!So what exactly is downsizing, why might you do it, and how might you do it? Let’s find out!What is downsizing?When people other than director Alexander Payne talk about downsizing, they’re likely referring to real estate, though they could also be talking about selling off some of their possessions.“Downsizing can be an effective way to reduce expenses, thus allowing you to potentially build your savings,” explained Associate Financial Planner Anna Keisler. “Downsizing generally means moving to a smaller and less expensive home in order to have a lower monthly mortgage payment. There are other expenses that should decrease when you move to a smaller home as well, such as electricity, gas, housekeeping, maintenance, etc.”Reasons to downsize.You don’t really need an excuse for wanting more money in your pocket. But there are quite a few scenarios that could make downsizing particularly appealing.Sacha Ferrandi, founder of Source Capital Funding (@sourcecapital)  and  Texas Hard Money First, outlined some of those scenarios:“If all your kids have moved out and you no longer need the extra space, it may be time to consider downsizing. Think about your future and if that extra space will still be utilized. A larger home requires more upkeep and if you aren’t actively using the space, you can save mon ey by downsizing to a smaller space that fits your current needs.“You may want to downsize for the simple fact that a lower mortgage payment will take a little bit of burden off your shoulders. With a larger home comes more financial responsibilities. If you do decide to sell, you can use that money to completely fund a new, smaller home. No longer will you have to worry about the responsibility of paying a mortgage.“If you’re nearing retirement age, consider the perks of downsizing. Whether that money is for traveling or daily expenses, having a smaller mortgage payment will allow you to allocate more money towards your retirement fund so you can live comfortably, when the time comes.“Whether it’s racked up credit card debt or student loan debt, it may seem impossible to take control of. Downsizing and having a more affordable mortgage can help you put more money towards your debt in order to pay it off sooner than you thought, and take some of the weight off your shoulde rs.”How to downsize.So you’ve decided to downsize. While there may be some general tips that will apply to anyone, only you know the specifics of your unique situation.“There is no one-size-fits-all approach to downsizing any living situation,” advised Deborah Sweeney (@deborahsweeney), CEO of MyCorporation.com (@mycorporation). “It would be impossible for me to advise that one household downsizes in a manner that is the exact same for another household.My advice is to examine your existing budget and determine which items you can spend less on for a monthly basis. Often, purchases you dont think are all that expensiveâ€"like dining outâ€"are the ones that quickly add up. These can be cut back on, as needed, for more cost-effective options like meal prep and what you save from not dining out can go into savings.”You could even find that downsizing to a smaller place might not save as much money as you’d think it would.“Before you decide to opt for the lower mortgage, consider all the underlying costs you may run into,” suggested Ferrandi. “In order for your current home to sell on the market, you may need to do some repairs or make some updates, which could cost you a good chunk of change. Or maybe the furniture at your current home won’t fit into the smaller home and you’ll have to purchase new stuff. These are just a couple of the cost factors you may want to consider prior to making the commitment.”You’ll also need to figure out what you’re getting rid of, and whether you need to replace it.“Downsizing is a perfect opportunity for you to get rid of any unnecessary clutter or belongings,” advised Ferrandi. “Be realistic about what you need and what you don’t. With a smaller space, you may not be able to bring everything from your current property. This is a great opportunity for you to organize all of your belongings accordingly. Get creative and be efficient in the way you store things so you can best utilize your new s pace.“Plan out your new living space accordingly. With a smaller space, you will need to make sure all of the belongings you are planning to migrate over will fit without making it too crowded. If you’re looking to buy furniture, try going for more functional pieces that will better fit a small space.”And there are a few things you should definitely not do if you’re looking to downsize in a way that saves money.“Just because the house is smaller doesn’t mean it’s going to be less expensive,” warned Keisler. “Say you have a home in the suburbs and want to move to the most in-demand neighborhood of the city: your home may be smaller but it will likely also be more expensive.  The increase in property taxes can also make the trade-off to a smaller home in a pricier area less economically beneficial.”Downsizing can be a big decision. We aren’t downplaying that fact. But it might also be a good choice for you! To learn more about managing big financial decisions, c heck out these other posts and articles from OppLoans:Is Rent-to-Own a Good Way to Purchase a Home?Emergencies and Divorce: How to Plan For Worst-Case ScenariosHow Much Money Do You Actually Need to Buy a House?Should You Get Life Insurance?Do you have a   personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |  InstagramContributorsSacha  Ferrandi  is the Founder of  Source Capital Funding (@sourcecapital)  and is an expert in finance, entrepreneurship, and real estate. Source Capital Funding, Inc., is based in San Diego and operates across the United States.Anna Keisler is a Financial Planning Associate with SG Financial Advisors in the Atlanta, GA area.  When not assisting with financial planning, you can find her at the gym or trying new restaurants. She currently resides in the metro Atlanta area with her husband and two cats.Deborah Sweeney (@deborahsweeney) is the CEO of MyCorporation.com (@mycorporation). MyCorporation is a leader in online legal filing services for entrepreneurs and businesses, providing start-up bundles that include corporation and LLC formation, registered agent, DBA, and trademark copyright filing services. MyCorporation does all the work, making the business formation and maintenance quick and painless, so business owners can focus on what they do best.

Negative Effects Of Racial Profiling - 1573 Words

Abstract This paper will give a highly detailed view of the effects that racial profiling has on juvenile offenders while focusing on minorities. It will also illustrate researched statistics on diverse ethnic groups, environmental backgrounds, and how they correlate with the fear that stems from racial profiling. Details will be provided on how each ethnic group is directly affected by racial profiling, how stop and frisk laws are unequivocally bias towards certain minority groups, and how police frequent poverty stricken areas opposed to areas frequented by their counterparts. There will be direct references to cities, states, and the laws that govern them. There will also be direct and detailed explanation of these examples and how they†¦show more content†¦Institutional racism and delinquency can be correlated as a cause and effect issue. This is said because the police are more likely to arrest African American youth and the courts are more likely to punish them because of their race. Another way to view racial profiling would be through the use of structural racism. The general theory of structural racism holds that even though there is evidence that suggests racial bias does exist in the Justice System there is enough correspondence between official and self-report data to conclude that racial differences in the crime rates are real. If African American youth are arrested at higher rates for violent crimes it is most likely a result of actual offending rates rather than bias on the behalf of the Criminal Justice System. These different theories explore the various aspects of racism in the juvenile justice system from the courts down to police officers. They give very thoughtful and detailed explanations as to how and why racism has the ability to occur on numerous occasions. 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Essay on Homers Odyssey Exploring Our Social Roots

The Odyssey: Exploring Our Social Roots In modern western society we are a people taught from very young that good manners and strong morality are necessity. The idea that the good will prosper and the bad will get what they deserve is widely accepted and applauded. However, these ideas about the social rules of modern civil man are not so novel. This same system of social behavior and belief is exhibited throughout the epic poem, The Odyssey. In this epic we find the roots of our contemporary social actions and convictions importantly displayed. All through this epic there are many examples to distinguish those civilized, who abided by social customs, and those who did not. One of the primary forms of†¦show more content†¦The time worn battle of good versus evil has spanned our human history. The presupposed idea that good will eventually overcome in the end is assumed by almost all people and is demonstrated frequently through this epic, and the display of this notion still gives one a sense of security in their morals as it did many years ago. Particularly, Odysseus entire struggle exemplifies this very principle. The Odyssey... unabashedly exhibits the triumph of life over death in terms of good over evil: quite simply, it suggests that Odysseus vindicated justice so strikingly that his name will never die. (Dimock 25) Deep exploration into Odysseus character is unnecessary to discover what made this man so just that his good triumphs even in our present culture. His morality is presented and contrasted so frequently and skillfully as to insinuate to this theme throughout ones reading. The first instance one may indicate is how Odysseus is spoken of and the chaos in his home with his absence. This impression of his moral fiber is brought to ones attention immediately as he is spoken highly of and compared to his shipmates whose own recklessness destroyed them all (Lawall, Fitzgerald 209) in the invocation to the Muse. Throughout the epic, Odysseus is referred of as the wise, the noble, quick-witted, tactful and countless other positive attributes by all acquainted with him and even by Homer.

Human Error in Aviation Free Essays

Since the first aircraft flight made by the Wright brothers in 1903, the aviation industry has grown into billions of dollars of annual business throughout the world. By information from the international air transport association (IATA), over 1. 6 billion passengers use the world airlines for business and leisure travel each year, also 40% of the world trade goods are transported by air. We will write a custom essay sample on Human Error in Aviation or any similar topic only for you Order Now Air transport provides around 28 million jobs directly or indirectly, worldwide.Since the 1950, concentrated efforts to reduce the accident rate in aviation have yielded unprecedented levels of safety. Today the accident rate for air travel is one fatality per 1 million flights. Although, the overall accident rate has declined considerably over the years , unfortunately reduction in human error related accidents in aviation have field to keep pace with the reduction of accidents due to environmental and mechanical factors. In fact, humans have been an increasing casual factor in both military and civilian accidents as mechanical equipment have become more reliable.Today every large percentage of all aviation accidents is attributable, directly or indirectly, to some form of human error. Human error system Most aviation accidents do not happen by one reason; they are the results of chain of events often culminating with the unsafe acts of aircrew. (â€Å"Swiss cheese† model of human errors from Heinrich’s Peterson) this theory of accidents has been embraced by most in the field of human error. Within this model there are four levels of human failure, each one influencing the next.Organizational influences often lead to instances of unsafe super vision, which in turn lead to preconditions for unsafe acts and ultimately the unsafe acts of operators. It is at this latter level, the unsafe acts of operators, that most accident investigations focus. HFACS – Human Factors Analysis and Classification System The Swiss cheese system was further developed in order of investigating accidents. And is including 19 casual categories within the four level of human failure. Statistics and information on human errorsBy a research performed by the University of Illinois CAMI over the past 2 years has revealed: fatal accidents were four times more likely to be associated with a violation than non-fatal accidents. Five most frequent skill-based error categories for accidents: Five most frequent decision error categories for accidents: Five most frequent perceptual error categories for accidents: Five most frequent violations accidentsReferences: yosi assaf 1. Wiegmann, D. W. (2005, may). Human error and general aviation accidents: a comprehensive, fine-grained analysis using hfacs. Retrieved from http://www. humanfactors. illinois. edu/ReportsPapersPDFs/TechReport/05-08. pdf 2. Shappell, Ph. D. , S. S. (2003). Human error and general aviation accidents: a comprehensive, fine-grained analysis using hfacs. Retrieved from http://www. hf. faa. gov/docs/508/docs/gaFY04HFACSrpt. pdf 3. Lee, C. L. (2001). Human error in aviation. Retrieved from http://www. carrielee. net/pdfs/HumanError. pdf 4. Capoccitti, S. C. (2010). Journal of technology management innovation. Retrieved from http://www. scielo. cl/scielo. php? pid=S0718-27242010000200006script=sci_arttext How to cite Human Error in Aviation, Papers

Social Conflict Theories essay Essays - Sociology, Culture

Social Conflict Theor y There are three main theories of sociology; functionalism, conflict theory and symbolic interactionism. This paper will focus on two of those theories, functionalism and conflict theory. The objective is to delineate the assumptions of two out of the three theoretical perspectives and apply these assumptions to an analysis of social stratification. How this will be accomplished will be by comparing and contrasting their assumptions and by analyzing the two theories effect on social stratification. Then I will state my opinion on which of the two better fits my personal sociological views. Functionalism is many people's way to view the world sociologically. It states clearly that the objectivity of the researcher is necessary and can be accomplished. There are three main points, which make up a functionalist theory on sociological expression. The first point is that culture is made up of interacting, interdependent parts. Each of these parts has a function in maintaining the society as a system on the whole. The second point states that shared values and expectations (or beliefs) among the members of the society help hold the society together. The third point states that these systems have a need for stability and a need to try to keep all the parts working together congruously in a sort of system. Social change in this system is uncommon, and when it does happen, it is a very gradual change. Conflict theory is centered on the tension, or struggle that goes on in everyday life. There are many different parts, which make up the conflict theorist's view on the sociological perspective. The first main part is that society promotes general differences in wealth, power, and prestige. Wealth, power, and prestige are qualities that all people desire. Some segments of society benefit from a social arrangement at the expense of less privileged groups. Whichever groups have the power is a central concern of this theory. These Marxist statements are the central arguments of all conflict theorist's statements of truth. The second part of the conflict theorist's assumptions is that the different parts of the social system as a whole are intertwined, not because of a shared value system, however, but because of the fact that one group is inherently dominant over the other. This dominance happens because one group, the dominant group, controls the resources. The third part of the assumptions of the conflict theorist is that society does not necessarily have needs, but individuals and groups do. Because the dominant group has the access to wealth, power and prestige, they have the ability to have their needs defined as "system needs." The fourth part of the conflict theorist's assumptions is the basic question of "Who benefits?" from the social arrangements of the day. On any issue in society, there are people who benefit and people who don't benefit. This conflict always gives the advantage to the stronger party. The fifth part of the conflict theorist's system of assumptions is the conflict itself, which lends tension, hostility, competitions, disagreement over goals, and values, as well as violence. Not always are these issues negative, however. They can act as an adhesive to help join groups together in the pursuit of a positive goal. The sixth and final part of the conflict theorist's assumptions is that to understand society we have to reali ze who holds the power and also the ability to use it. The conflict theorist will state that the main characters will cause some very defined conflicts. These would be the following; those who have authority vs. those who don't, young vs. old, producers of goods vs. consumers of goods, and racial and ethnic groups. These conflicts are based on the organization of similar interests and concerns. Functionalism's view on the social stratification of our society is centered on their basic viewpoints. These viewpoints lend themselves to promote the functionalist's standpoints. These state that the function is a consequence, which adds to the stability of the system. A dysfunction is a consequence, which takes away stability from the system of social stratification. There are certain institutions, among them include the family, the political system, religion, economy, sports, the military, etc., which aid the structure of society. These institutions,

Abortion Pro-Choice essays

Abortion Pro-Choice essays Abortion has been called one of Americas longest running arguments, the issue that wont go away. I chose to write on abortion because I am a firm supporter of the pro-choice movement. While I personally havent been through it, I have helped to finance some of my friends. I believe in a womans right to freedom of choice. I am strongly against the harsh acts that the pro-life activists have taken against doctors and associates of abortion clinics. I also see no purpose in repealing the anti partial-birth abortion bill that President Clinton previously vetoed. Many States such as Texas, who first enacted their anti-abortion laws in 1854, have repeatedly denied abortions to pregnant woman unless there are health risks involved. However, there have been some exceptions such as the Roe vs. Wade trial. The case was instituted in 1970 by Jane Roe, who sought judgment on her case against the District Attorney. She claimed that the abortion statutes were unconstitutional...and they abridged her rights of personal privacy. She sued on the grounds of infringement on those rights promised to her by the First, Fourth, Fifth, Ninth, and Fourteenth Amendments. And why shouldnt the rights of this woman be protected? Most judges have said that the court will only protect the rights of a persons privacy to a certain extent. At some point the states interests as to the protection of the...prenatal life become dominant. Others have argued that the word person as defined in Section I of the Fourteenth Amendment doesnt include the unborn. There are many supporters of the pro-choice movement. The NCAP (National Coalition for Abortion Providers) is just one group of the abortion promoters that have banned together for the rights of American women. This organization was created by people ...

How to Write Essays of Any Kind

How to Write Essays of Any Kind Writing good essays is a tough task. You have to be focused. You need discipline, strategy, and flexible research abilities. If you do everything right, you’ll be happy with a result. Generally, any paper, such as a college essay, research paper, or even some kind of an office paper will be easy for you if you follow the proper strategy. Many students discovered that due to their own experience. Those who use a proper approach can easily write any paper really fast. Some methods become some popular that even teachers include them in an English curriculum to let students know the right way of writing different papers. In 2007, the Spartan System of writing was published on the internet. Since then, thousands of students have an opportunity to appreciate all the advantages of this method. The author of the Spartan System managed to write more than 70,000-word long book. The whole writing process took just two months. What Is the Secret? The author of this method was interested in Greek history, and in military tactics of the ancient Greeks, in particular. He thought that the approach that allowed generals rule a 10,000 army, moving it across the country, may help students who need to write a lot of words in a short time. This is what their strategy looked like: they brought troops together, keeping supplies in a center of a square-shaped unit. The strongest soldiers were placed at the front and back. Every time they faced any danger, these troops left their positions to just repel an attack, and then moved back immediately. This structure was impenetrable. They easily demoralized their opponents and could travel long distances even under the most difficult circumstances. Xenophon wrote that their idea was that, when the attack happens, they don’t plan defense on the go but immediately use soldiers who were specifically trained for this situation. The Spartan method of essay writing works exactly the same way: you create an introduction that determines the shape of your â€Å"army†, and then write paragraphs, creating the strong sides. Your paragraphs may act independently sometimes, but they should always follow the purpose of the entire formation. You have to maintain the square because it’s the key to success. When writing an essay, you write a text that consists of many sentences. It includes an introduction, a topic, a thesis, a mini-thesis at the beginning of each paragraph, and a conclusion that sums up everything written before and explains the general meaning of your paper. These four sentences are basic models that determine everything else. All sentences correspond to these universal models and create an undefeatable square. If you take a look at Chuck Palahniuk’s Fight Club, you will notice that every time the plot moves in a new direction, it immediately returns back to remind the main point. Now, forget boring prompts that you’ve been given. Forget all these â€Å"Commentary/Details† stuff, and let’s think about real work. Here is the example of the outline for a five-paragraph paper: Introduction Start with a catchy and broad hook. Consider it as a meta-topic of your paper. Write your thesis. Here you have to specify and develop the idea of your hook, taking into account your prompt and the subject of your paper. Write the sentence that forms the basis for the first body paragraph. Do the same thing for the second body paragraph. and repeat this step for the third body paragraph. Take a look at your hook and thesis and write a cohesive transitional sentence that will lead your readers to the first body paragraph. Some people say that the thesis must be written at the end of the introduction, but this point is quite controversial. The point of an essay is to come up with an idea and then support it. You can’t support a thought that hasn’t been written yet. The First Body Paragraph Rewrite the thesis of the first body paragraph. Support this mini-thesis with facts and analysis. Restate the mini-thesis in a context of the general thesis of the paper. When supporting a thesis with evidence, always begin with the strongest piece of evidence. Start with broad ideas, then move to more specific ones. After this, draw a conclusion. Make sure that your quotes are properly integrated into the sentence. Don’t make your quotes longer than 5-7 words. The Second Body Paragraph Rewrite the thesis of the second body paragraph. Support this mini-thesis with facts and analysis. Restate the mini-thesis in a context of the general thesis of the paper. The Third Body Paragraph Rewrite the thesis of the third body paragraph. Support this mini-thesis with facts and analysis. Restate the mini-thesis in a context of the general thesis of the paper. The Conclusion Restate the meta-theme (the hook of the introduction). Restate the general thesis statement once more. Write one sentence for the first body paragraph. Write one sentence for the second body paragraph. Write one sentence for the third body paragraph. Write a conclusion sentence based on your hook and your thesis. The last sentence of your essay must address a broad issue that is worth further consideration. It also must reflect the value of your point. That’s it. No, really. Now you can understand why such a method simplifies your task. You only need six original sentences, and then you play with them and write all the rest. You can apply this method when writing 500-word papers, as well as when working on 500-pages texts. This method allows you to write an essay that is self-supporting, self-generating and self-concluding. Follow this method and you’ll feel like a Greek general who built the square and trained troopers in advance so that they can do what they are supposed to do, while you don’t need to improvise. You follow the pre-determined boundaries, so you control the whole situation. Every sentence of your essay has its particular purpose. Now you shouldn’t worry about professors checking your essay with a prompt because you made the structure first and filled it with the content later. The middle of the square is the place where your readers are. You arrange everything around them and they can understand you clearly, being protected from doubts and misreadings. The introduction and the conclusion are where you write your strongest points. These thoughts lead your readers through the essay and push them forward. In the hook, you look in the future. In the conclusion, you look back. Everything between these two parts is just details. Your thesis statement is the backbone of the essay and it represents the whole paper, just like it’s supposed to do. Once you’ve written the thesis statement, the whole paper is almost done. After this, you won’t have any problems with filling the body part with evidence and other details. The meta-theme is directly related to the central theme, just like all the mini-themes. The interesting thing about this method is that you follow the pre-defined rigid structure that gives you the real freedom. Once you’ve created the structure, all you need is to fill it with ideas, placing each point in its specific place. This is your opportunity to take the topic and the thesis statement to a completely new level, making your papers understandable like never before. Obviously, it’s your simplest and fastest way to get high grades. The Spartan System allows you to reduce stress and write papers easily, regardless of the topic or length. Just try this system now and see how it works. Set a certain goal and a time limit. For example, 10 pages in 4 hours. You’ll see how a big A+ will appear on the front of that paper!