Personal Budget Case Study

Personal Budget Case Study Personal Budget Suggestion As my personal budget table is shown, my total income is all from my parents’ contribution per month. I have not done a part-time job. I should consider to find a part-time job and earn some money to reduce the pressure of my parents. Every month I can save some money. In the Future, I could save a lot of money when I get weekly wage from my pat-time job. Therefore, I am able to do a low risk tolerance saving product to earn more interests from banks. I rented a small house that is far from school and charges cheaper rent fee with some friends. It is not convenient for me in term of traffic by walking or taking school bus. In the next chance, I can increase a little bit of rent expenditure for renting a nearer home. In 2014, I have not bought any books because of expensive prices. However, this attitude is not good for studying. Therefore, I decide to expend expenditure on buying books. Every week I will go shopping with friends. I hope that I can reduce the frequency and cut the cost on eating out and buying clothes. Savings Case Study Mr Rutherford is a 50 years old man as company executive. His age is a bit high that he faces to get sick and lose job anytime. His earning is quiet high about  £150000. Therefore, he can make regular savings of  £200 per month. The client is looking for a low risk savings product where his capital is safe and the rate is a bit higher that it can gives more returns to Mr Rutherford. The condition of investment market is not optimistic. According to This is Money Internet, latest inflation figures raised up to 1.3 per cent. However, the prospect of interest rates still hold unchangeable at present (Lambert, S., 2014). Markets and economists have put off expectations of interest rate that it has a first increasing tendency by 0.5 per cent in late 2015 on account of being concerned to â€Å"lowflation†. In developed countries, the forecast which is given by the economists will not come true if inflation happens suddenly and continuously (Lambert, S., 2014). Andrew Haldane, who is the chief economist of the Bank of England, emphasized that the interest rate will rise up gradually in the next year. Moreover, according to a interview with Gavin Thompson, worked in the Bristol Post, the figure of interest rates has sustained around 3 per cent for many years (Lambert, S., 2014). Howard Archer, who works as a chief UK economist, analysts the HIS Global Insight. He said that the Bank of England will not increase interest rates before late 2015, though MPC minutes are impossible to decrease expectations on interest rates tremendously in the November. However, it is probability that interest rate tend to go up slightly around August (Lambert, S., 2014). These are shown that interest rates are still around 3 per cent before late 2015 and they will go up in the future. Nowadays, market is not good for saving. Because rates of many banks can keep still at 3 per cent and saving is low tolerance, Mr Rutherford could do a saving product and prepare for the next year (Lambert, S., 2014). Financial websites is suggested to consult for Mr Rutherford, such as Moneysavingexpert.com and Thisismoney.co.uk. If Mr Rutherford is not able to meet his saving payments, he could buy products of payment protection insurance as consumer protection. According to Money saving expert Internet, the TSB classic Plus current saving account is chosen as it has one of the top interest rates comparing with other products. This account offers 5per cent AER up to  £2000. Arranged overdraft cost is up to  £100 fee free with 19,94% EAR plus  £6 per month fee. Unarranged overdraft fees is  £10 buffer with  £5 per day under  £25,  £10 per day for more than  £25 (max  £80 per month) or  £10 unpaid item fees (max 3 per day). It needs to pay in  £500 per month and register for online banking with paperless statements (Lewis, M., n.d.). Under this product, Mr Rutherford put and keep  £2000 in the account as Calendar month. The future value is  £3591.7 after one year and  £2873.36 after taxation. Loan Case Study Mr Hoy consider to buy a second hand Fiat 500 about  £4000. He looks for a car financing product for it over 2 years period. The product needs to pay 20 per cent taxation. The client is looking for a product which has low risk tolerance, low APR representative rate and low total amount payable. The product could be good for Mr Hoy to buy a second hand car as paying less money and spending less time. Since the Bank of England reduced its Bank Rate by only 0.5 per cent, mortgage and savings rates have reached the lowest point for more than five years. In the bank’ quarterly inflation investigation on Wednesday, the economists and observers have given the surprising forecast that inflation will be possible to fall even much lower, then will stay there for a longer period (Pollock, I., 2014). Due to lower interest rates, it puts more borrowing benefits in the hands of consumers so that borrowing markets turns to control by consumers (Roos, D., n.d.). Because interest rates are so low, it is indicated that savings accounts of consumers will not earn more benefits in a bank. Therefore, consumers could use them to fund into financial products or make contribution into the cost of the car rather than keeping your savings and mortgages at a lower interest rate (â€Å"What’s the best way to finance buying a car?†, n.d.). For Mr Hoy, financial websites are considered to consult, for example, Lovemoney.com, Moneysupermarket.com, Comparethemarket.com and Moneyfacts.co.uk. For Consumer Protection, Mr Hoy could buy a payment protection insurance product. Mr Hoy has the potential risk to loss money when he goes sick lose his job and does not have enough to pay for loan. Payment Protection Insurance aims to help Mr Hoy keeping away from fine charges by paying his loan. Insurers apply to much cheaper PPI than lenders. For Mr Hoy, it is worth making a good decision and buying a PPI by comparing with many products of different companies (â€Å"What is Payment Protection Insurance†, n.d.). The Credit Plus Product is suggested to consider for Mr Hoy. Comparing with other products, this has the lowest Assumed borrowing of  £4,000.00 over 2 years at an annual rate of 4.9% based on a representative rate of 4.9% APR (fixed). Therefore, the 24 monthly repayments is  £175.12 and total amount repayable is  £4,202.88. This product apply to have a current account with CreditPlus because it is just available to current CreditPlus customers . The age of consumers must between 18 and 75. What’s more, consumers will not be charged a fee if they repay this loan and repayment holidays are available with this loan (â€Å"Loans Centre†, n.d.). (Words: 1166) References Lambert, S. (2014). When will interest rates rise? Economists tip no move until late 2015, as ‘lowflation’ concerns dominate. Retrieved from http://www.thisismoney.co.uk/money/news/article-1607881/When-UK-rates-rise.html#ixzz3KC9m1tpd Lewis, M. (n.d.). Best Bank Accounts. Retrieved from http://www.moneysavingexpert.com/banking/compare-best-bank-accounts#lloyds Loans Centre. (n.d.). Retrieved from https://www.lovemoney.com/loans#/?amount=4000timeQty=2timeUnit=yearsscenario=scenario1predicate=Defaultreverse=falsepage=1shortTerm=false Pollock, I. (2014). Will mortgage and savings rates fall even further?. Retrieved from http://www.bbc.co.uk/news/business-30052201 Roos, D. (n.d.). How Interest Rates Work. Retrieved from http://money.howstuffworks.com/interest-rate4.htm What is Payment Protection Insurance (PPI). (n.d.). Retrieved from http://www.moneysupermarket.com/c/loans/payment-protection-insurance/guide/ What’s the best way to finance buying a car?. (n.d.). Retrieved from https://www.moneyadviceservice.org.uk/en/articles/whats-the-best-way-to-finance-buying-a-car

My Role As The School Librarian Essay -- eduaction

Everyday I walk into my school library with the hope of influencing a student or a teacher to read a new book, use a new search strategy, or to collaborate on a unit of study. My goals for students range from getting to know them and their interests and then guiding the student to these new sources or literature. I look upon the library as a learning lab or, as some in my profession have dubbed it, the Learning Commons. Every morning I greet anywhere from 50 to 80 students who are waiting for the first bell of the day. These students are in the library because they have made a decision that this is their place; a hangout for those students who are drawn to a vibrant environment that is teeming with learning and discussion. The Library Commons at Olathe Northwest is a natural extension of the secondary library’s traditional mission in a digital world. My library offers a wide range of elements to foster student learning in new and creative ways. My goal is that this space fits the need of every student. Students who need to complete an assigned task that calls for collaboration can meet in the library and plan, discuss and complete their assignment. At the same time other students can be searching for a great book or looking online for sports scores or prom dresses. The forty computers in the library offer access for any student who walks in the door. And just in case more computers are needed, a wireless laptop can be called into service. My school library is a vibrant place that welcomes all students, there is something for everyone and as the teacher-librarian I am proud to say that I listen to my patrons and work to achieve the goal of providing a learning space that fills the needs of all who enter. The course to ac... ... time together outside of school hours. In my role as the school librarian I have access to every student and teacher in the building. I try to reach all of these people through creative and relevant library-based programs. I want the library to invite all users through its doors. I entice the I don’t like to read with great technology and computer resources. For the students who can’t get enough of the latest Manga book I am willing to stop at the bookstore and pick up the newest entry in that series. Regarding teachers, I am all about perfecting the collaborative effort to meet student learning. I have established a climate of respect. Respect for the learner, the teacher and the content material. Students genuinely like the library and my hope is that they will continue to use libraries as adults and they will be strong advocates for schools and libraries.

Interior Designer: Barbara Barry

Interior design is professional practice that constitutes anything that is within a building: windows, finishes, lights and furnishings. These designs are development by interior designers to improve the beauty or taste of the building. There are various designers who are associated with interior designs and their relevant works are exemplary. One of these interior designers is Barbara Barry whose work has contributed to designing and inclusions to Hall of Fame and various awards. Personal life of Barbara Barry, her inclusion to Hall of Fame, her contribution to interior design are been analyzed.Additionally, her influence towards interior design is discussed. Personal Data of the Designer Barbara Barry was born in San Francisco, California to family that constituted of artists and painters. All the family members who were associated with painting and artistry taught her the values of designing. Originality of Business Her personal interest was born by her mother. Her mother believed that style and money were two different things. She acquired important attributes in design from the things that her mother was doing.For example, her mother used to paint her room in wonderful colors and named them for the type mood that they evoked. This made Barbara to learn in an early stage about the power that surrounded her and her emotions which she uses in her designing work until now. According to Barbara, color is the most effective stroke in designing and the lighting that is mostly preferred is lamplight that is filtered through a shade that is positioned at eye level. Study Institution Barbara Barry studied in her home town of San Francisco in 1985, when she attended the Academy of Art College.Academy of Art College has a reputation in producing artists and designers. After her parents knowledge on their daughter tastes in artistry and design decided to take her to this college. They knew that the collage will improve and monitor her artistry and design aspect. Type o f design She has a reputation of transforming homes of Hollywood’s celebrities and other power brokers through her unique style: casual elegance. In this style, she appreciates and reflects history which is a close attention for desire and comfort. She brings in the issue of a rural setting or traditional aspect of life to the designs that she greats.Through her knowledge in design, she has developed some products for Kallista. She used her knowledge of transitional design style to create the powder room. These collections constitute sleek and refined products which include faucet and lavatory, bath accessories and furniture that contained mirror and vanity. She uses different mediums which range from home furniture to carpets. She designs carpets for Tufenkian Tibetan Carpets, designs fabrics and furniture for Hickory Business Furniture (HBF) for Boyd Lighting she developed table lamps.Currently, she has introduced a crystal and flatware artwork into the market that comes in the general term of china ware. Her studio contains a diverse set of talents that she uses for designing process through the creation of sketches and water colors. In incorporating light, color, texture and design, she portrays her work like a breathing life in a room setting. Recently, Barbara Barry designer has created a line of wonderful home scents that have inspired by scents that are derived from her own home.The candles have been mad with assistance from Queen Laura, with scents from orange blossom, sandalwood and star jasmine for the sitting or living room. For bedroom, she has developed scents citrus zest that contains bits of vanilla. In addition, there are scents for other rooms that are within a building. Barbara has an understanding in living graciously in a scenario which constitutes tenacity, design acumen, and palpable passion. She designs arts that catch the eyes of residence and other people who access the different locations of a building.The finishes of the desi gns are beautiful, entice the eyes, and brings in a calming effect. Reason for being Interior Designer Barbara was inspired by other designers including Jean Frank, Albert Hadley, and artists like Modrian, Egon Shiele and Richard Deibenkon. Most of her liking to design industry is through the inspiration that she received from her mother who used to watch her mother while painting that her mother practiced at the beach. She has been inspired by her family members and the college that she went through.In the art collage, she was motivated into design business and additional teachings that she obtained from the birth place. Inducted to Hall of Fame She was awarded â€Å"Star of Design† that was because of her contribution to Interior Design in 1998 at Pacific design Center in the city of Los Angeles. She was awarded the award by the Interior Design Magazine. During the 1996, in High Point and in the International Home Furnishings Market some of her collection was introduced. Th is was a successful implementation and in the spring of 1997, other pieces were added into the collection.Behind the creations there was an elegant force which Barry integrated her post modern west Coast design and integrated with traditional design that is related to charms. She has received numerous honors and awards. Additionally, she has been included in the Architectural Digests (AD 100) which is an annual listing that constitutes the best architectures and designers all over the world. Moreover, she received the Designer of the year award which was awarded by the Traditional Home Magazine, Star of Design that was given by the West Week in Los Angeles and another award by the Interiors magazine which was called Best in Residential Design.In 2000, she was inducted to Hall of Fame due to her contributions to design work. Her contribution to design and artistry made her inducted to the Hall of Fame. Place of Work Barbara Barry has been ranked among the top prominent world talented designers. In fact, her name is a blend of livability and sophistication, the signature of Barbara Barry interior brings in an impression of a calm home that can be an escape place for the everyday hustle. She has worked for 10 years as a designer in Los Angeles and currently her design is found all over the world.Through her work, she has collaborated with various architects because the product that she designs has a relation to the landscape and landscape aspect. Wallace Neff estate is some landmark homes that she designed in California. All this development is traced back to 1985 when she started the Barbara Barry Incorporation which brought in interior design and later developed into commercial premises. The company has grown to embrace commercial, residential, textile, product design and furniture for various organizations. Some of her work is depicted in London Savoy Hotel, Brooks Brother, Eli Broad and Baccarat Crystal.Barbara Barry is a celebrated designer with designing as pects that range in furniture, buildings and scents. It contains sensual lines that create a luxury and elegance kind of lifestyle. Her designs concentrate on detail, orchestrated interiors in which forms a calm and tranquility in the room scenario. She has taste in colors and as a taste in certain hues, sea foam, and taupe and the relevant lines, textures and harmonizing patterns. Her designs begin from upholstery, water decanters to the minor details of linen folds, which generally are not overproduced.She developed her firm in 1985, focused in residential buildings, and later launched the Barbara Barry Home that was an accessory for private clients. She entered various licensing product design with other companies: McGuire, Baker, HBF, Tufenkian Rugs, Baccarat Crystal, and Boyd Lightning. Products that she produced included textiles, furniture, china and fixtures that have solidified her stance in terms of taste. All this revolves in a mix and match classicism that usually avoids trappings that are associated with nostalgia. Further more of late she as turned into contract design.This includes retail programs Brooks Brothers’ Manhattan flagship and spa in different locations. These creations highlight her talent through the design that is in the expensive floor plan and also such designs is evident in other designs such as art collectors that constitutes Eileen Norton and Peter. Works Cited Rehema, W. â€Å"Interior Designs Perspective: Barbara Barry. † Annals of Research 24. 3 (2008): 53 – 60 Dominic, Bradbury. American Designers at Home: Contemporary, Fusion and Classic Interiors. New York: Pavilion Publishers, 2004. pp. 123 – 128

How to Write a Geology Paper

How to Write a Geology Paper Writing a geology paper is a very significant step for students, because it is their chance to practise in scientific writing and acquire useful skills and experience for their future thesis. Therefore, do not consider this task light-heartedly, but rather follow some standard regulations and requirements that will guide you. Your first task would be to come up with a promising topic. Ideally, it is a topic that explores some interesting and up-to-date phenomenon, covers a lot of ground from your geology course, but at the same time is not too broad and encourages engaging discussion within the word limits of your paper. If you are at a loss, what topic to concentrate on, ask your professor to recommend you something or use the Internet. No paper can be done without careful research, so start by reading the articles on your topic in scientific magazines, as they give the most current data, and proceed to more serious sources. This preparation work will assist you in singling out some aspects or arguments to include in your paper and will help you develop the outline. While writing, be careful to cite all quotations you use, unless you want to be accused of plagiarism, which is a serious violation of rules in the scientific world. In terms of style, your paper has to be matter-of-fact and avoid personal opinions. To get a better idea of what is expected from you, pay attention to the style of the articles in the scientific journals.