Financial Freedom 5 Difficult Steps to Get Out of Debt, Create a Simple Budget, Plan for the Future, and Regain Control of Your Finances

Financial Freedom 5 Difficult Steps to Get Out of Debt, Create a Simple Budget, Plan for the Future, and Regain Control of Your Finances Money. It rips families apart, ruins marriages, and keeps people from pursuing their dreams. Money troubles inject unnecessary stress, anxiety, and arguments into our daily lives, which keeps us in perpetual discontent. We never seem to have enough, and, living paycheck to paycheck, we cant ever get ahead. But it doesnt have to be this way. Weâ€"Joshua Ryanâ€"know first hand. The road to financial freedom was a long trek for both us. Even though we had prestigious six-figure careers, we struggled with money back then; and we werent financially free for a long time. In fact, it wasnt until we walked away from those careers (after devising a plan, of course) that we discovered how to get out of debt, how to eliminate unnecessary expenses, how to plan for our future, how to master our finances. While we all need to make money to liveâ€"and theres certainly nothing wrong with earning a great salaryâ€"taking control of your financial life involves much more than adjusting your income upward. It involves making repeated good decisions with the resources you have, changing your financial habits, and living deliberately. None of which is inherently easyâ€"especially under the tyranny of todays instant-gratification cultureâ€"but fortunately, regaining control of your finances is simple. A few years ago, overwhelmed by moneys rapacious tug on our lives, the two of us decided to change; we decided to take back control of our finances and our lives. These are the five steps we took, and they are the same principles we use today to ensure that well never again struggle with money. 1. Budget Most of us have no idea where our money is going. We think we know, but we dont really know. This is doubly true for those of us who are married or live with a significant other. Ergo, the first step toward financial freedom is establishing a written monthly budget. Note the three key words here: written, monthly, and budget. A few guidelines: Categories. Identify whats truly necessary by identifying all of your monthly expenses based on the past six months, and then divide your expenses into three categories: Essentials, Nonessentials, and Junk. Write down every expense (food, housing, utilities, insurance, cars, gas, transportation, clothes, credit cards, phones, Internet, pets, entertainment, etc.); triple-check the list with your significant other or a friend; and then use your Essentials, Nonessentials, and Junk categories to prioritize and cut wherever you can. The stricter you are, the sooner youll be free. Boundaries. Using an app like Every Dollar, you can give every dollar a destination at the beginning of the month. By establishing these boundaries, you wont worry about what you can and cant purchase because money that wasnt assigned at the beginning of the month cant be spent mid-month. Teamwork. Everyone in your householdâ€"even your childrenâ€"must have a say in the written budget. This is the only way to get every persons buy-in. Working together means taking from one category to fund another (e.g., extracting money from, say, your clothing budget to fund your entertainment budget) until each person is on the same page. Once everybody  is on boardâ€"once everyone is committed to financial freedomâ€"it is much easier to gain the traction you need. Adjust. Youll have some slip-ups along the way. Thats all right, its part of the process. At first, you and your family should scrutinize your written budget daily, and then eventually weekly, adjusting accordingly until your whole family is comfortable with your set monthly allocations. The first month is the most difficult, but by the third month youll curse yourself for wasting so much money during your budget-less days. Safety. Shit happens, so its best to create a Safety Net savings account with $500â€"$1000 for emergencies. Now listen: do not touch this money unless there is a true emergency (car repairs, medical bills, job loss, etc.). Your Safety Net will allow you to stay on budget even when life punches you in the face. Over time, once youre out of debt (step 3 below), your Safety Net will grow to include several months of income. But for now, worry only about the first $500â€"$1000 to start, which youll want to keep in a separate Safety Net account to avoid temptation (more on that below). 2. Pay Yourself (Invest) Most of us hear the word invest and we panic. Investing seems so complicated, so abstruse, so not-something-I-can-wrap-my-head-around. Well, instead of thinking of it as investing money, think of it as paying your future self. And with todays online tools, you neednt be overwhelmedâ€"investing is easier than ever. Anyone can (and must) do it. As for Joshua Ryan, we both use an online-investment tool called Betterment as our personal savings, planning, and investing software. Using Betterment, which costs nothing to set-up and has no minimum-balance requirements, weve learned how to invest in our future selves by setting aside a percentage of our income without even noticing its gone. We also keep our Safety Nets in our Betterment accounts. We do this for two reasons: 1) the money is liquid, which means we have instant access to our Safety Net if we need it, and 2) when the money is sitting in a separate account, it is less tempting to access than if its in our bank accounts (plus it earns a better interest rate in a safe, conservative way). We invest our money into four separate buckets using Betterments online software: Safety Net, Retirement Fund, House Fund, and Wealth-Building Fund. (For complete details, see our Retirement Planning article, in which we we break down how we, as minimalists, plan for retirement and other financial objectives, using screenshots and real-world examples, including statistics and personal figures.) Right now is the best time to start planning for your future. Whether youre planning for retirement, wanting to start a business, saving for a home, building a larger Safety Net, or focusing on long-term wealth-building, now is the best time to begin. Not next week, not even tomorrow, today. Even if you have no money to invest, you must devise a plan to begin investing in your future self. The best way to do this is to automate your investments using an online service like Betterment, which takes the guesswork out of investing. The future wont wait. Do it today. Even if that means 1% of your income, or even $20 a month, to start. Your future self will thank you. 3. Debt-Free Contrary to what some academics might tell you, there is no such thing as good debt. Lets say that again (read it out loud): THERE IS NO SUCH THING AS GOOD DEBT. True, some debt is worse than other debt, but its never good. The truth is: you will not feel free until you are debt-free. The debtor is always slave to the lender. Besides, its feels pretty amazing to have no car payments, no credit-card payments, and no student-loan payments looming in the shadows of your lifestyle. Throughout our twenties we both had excessive piles of debtâ€"more than six-figures each. It was a debilitating feelingâ€"a complete loss of freedom. Although there are no magic bullets, the strategy weve seen work best is Dave Ramseys Total Money Makeover, a detailed, step-by-step formula that both of us used to create a detailed plan, cut-up our credit cards, and face our debts head-on. Also read: Debt-Free: JFMs Story of Overcoming Debt. 4. Minimize Of course minimalism was a key component in our own journeys toward financial freedom. By clearing the clutter from our lives, we were able to focus on eliminating debt, changing our habits, and making better decisions with fewer resources. We also learned that by simplifyingâ€"by identifying which material possessions werent adding value to our livesâ€"we were able to more quickly become debt-free by selling more than half our stuff locally (yard sales, consignment shops, flea markets) and online (eBay, Craigslist, Autotrader). No, minimalism is not about deprivationâ€"we dont want anyone to live without in the name of minimalismâ€"but sometimes it makes sense to temporarily deprive ourselves of ephemeral satisfactions when we are attempting to move our lives in a better direction. For example, as we were tackling our debts, Joshua sold his oversized house and moved into a tiny apartment. Ryan sold his fancy new car and purchased a decade-old vehicle without a monthly payment. We both jettisoned our cable subscriptions, satellite radio, and other superfluous bills that saved us hundreds of dollars each month. We also did strange things like deliver pizzas, work overtime, and find other ways to supplement our income in the short-term so we could pay off our debts faster. Plus, we sold hundreds of itemsâ€"electronics, furniture, clothes, DVDs, books, collectibles, tools, yard equipmentâ€"that werent essential, and we used that money to further pay down our debts. Basically, anything that wasnt nailed to the floor found its way to eBay. Now everything we own serves a purpose or brings us joy, and we dont miss any of the trinkets of yesteryear. Dont know how to start minimizing? Consider our 30-Day Minimalism Game. Or if youre feeling aggressive, have a Packing Party and a Scanning Party. You can also visit our Start Here page for more ideas. 5. Contribute The shortest path toward freedom is: appreciating what you already have. One of the best ways to find gratitude for the gifts youve already been given is to change your perspective. To do so, donate your most precious asset: your time. Bring your family to a local soup kitchen, foodbank, or homeless shelter. Tutor less-privileged children in your city. Help the elderly with groceries or in-home care. Work on low-income houses with Habitat for Humanity. There are more resources than ever to help you contribute beyond yourself in a meaningful way; just do an Internet search for volunteer opportunities in your area. Whatever you do to build your contribution muscle, it neednt be grandiose; it need only contribute to someone elses life. If you do this for a few weeks, youll realize that your financial problems are tiny compared to many of the problems in the world around you. By discovering the smallness of your financial woes, youll feel empowered to take massive action and beat the crap out of your relatively miniature problems. In a short period of timeâ€"two or three yearsâ€"your entire life can radically transform from what it is today. All it takes is a plan (which you now have), determination (i.e., turning your shoulds into musts), and consistent action in the right direction. Conclusion: Simple Aint Easy Financial freedom isnt easy, but you knew that before reading this essay. The exciting part about these five principles is that they apply to anyone, anywhere on the socioeconomic ladder. Whether you earn minimum wage or six-figures, whether you are single or have half-a-dozen children, we have seen these principles work for thousands of individualsâ€"because its not about our income level; its about the decisions we make with the resources we have. You are now equipped with a recipe to make outstanding financial changes. You are obviously welcome to add your own ingredients to taste, but when it comes to true financial freedom, these five ingredientsâ€"budget, invest, eliminate debt, minimize, contributeâ€"are nonnegotiable. All five are necessary. Yes, you still have a considerable amount of research and planning and hard work ahead of you; but most important, you have to take action today. Diligence is paramount. You May Also Enjoy How to Start a Successful Blog Today Learn how to start a blog in less than an hour. Follow the step-by-step instructions we used when starting our blog, which now has reached more than 20 million people. Creating this blog is one of the best decisions Ryan and I ever made. After all, our blog is how we earn a living. More important, it's how we add value to other people's lives. Read more 30-Day Minimalism Game Let's play a simple game together. We call it the 30-Day Minimalism Game. Find a friend, family member, or coworker who's willing to minimize their stuff with you next month. Read more 11 Ways to Write Better We are all writers now. Whether you write books, blog posts, emails, Instagram captions, or text messages, you are a writer. No matter your preferred medium, here are a few tips to help you write more effectively. Read more Subscribe to The Minimalists via email.

Age is the most important factors - Free Essay Example

Sample details Pages: 3 Words: 834 Downloads: 5 Date added: 2017/06/26 Category Education Essay Type Argumentative essay Did you like this example? 1. How Does Bens Age Affect His Decision To Get An MBA? Age is one of the most important factors one has to look at when a person decides to do its master or not. At the moment, Bens annual salary of $50,000 and his current savings might be too small to prepare him for the future. Don’t waste time! Our writers will create an original "Age is the most important factors" essay for you Create order In the future Ben might require a certain amount of money to live comfortably after retiring, and this is not possible with the money he is currently receiving. In todays world a person is paid by the certificate he or she holds. With further education such as masters qualification, it would not only benefit Ben by increasing his potential to secure better position within the organization but also ultimately translates to higher income. A good MBA candidate should have an understanding of what the word â€Å"career† means these days. It means they will experience change. They should be prepared to experience employment changes, as well as moves to different fields and areas of expertise, just to survive in todays business environment. An MBA prepares a person for the transient nature of todays business world. (Veasley, 2009) It is part of most employees career goal to increase the salary that they are aerning and with a Masters qualification, such goals can be realized effe ctively. Graduates working instead of pursuing their MBA can later want to further their education; they say education has no end. If Ben does not decide to do his MBA now he has a choice to do it later after gaining some work experience. Some people feel that doing an MBA without work experience makes it more difficult to understand because that work experience makes them know a little about business world and thus enhance their knowledge from there. Continue Aith Current Job (No Further Studies) Year 0 Year 1 Year 2 Year 3 Year 36 $37,000 $38,110 $39,253.3 $40,430.9 $104,112.91 Growing annuity PV= C PV (salary) = $37,000 c = Annual salary x (1- tax rate) = $ 50,000 x (1- 0.26) r = Discount rate= 0.065 = $ 37,000 g = Constant salary growth = 0.03 = $ 728,896.23 t = Number of years = 35 Ben will able to earn the amount of $728,896.23 in the future provided that he continues with the current job without further studies. Wilton University Year 0 Year 1 Year 2 Year 3 Year 4 Year 36 PV $102,500 $102,500 $65,550 $68,172 $239,151.38 Annual Direct Costs = Annual tuition + books and other supplies + health insurance plan Annual Direct Costs = $60,000 + $2,500 + $3,000 = $65,500 PV = R + R PV (direct costs) = $65,500 + 65,500 R = Annual direct costs r = 0. 065 = $127,002.35 = $65,500 n = 2 If Ben studies in Ritter College of Business at Wilton University, he will use $127,002.35 to study the MBA program that requires two years. Growing annuity PV (indirect costs) = C= Annual salary x (1- tax rate) r = Discount rate = 0.065 = $50,000 x (1- 0.26) g = Constant salary growth = 0.03 = $37,000 t = Number of years = 2 PV (indirect costs) = $37,000 = $ 68,341.82 PV (total costs) = PV (direct costs) + PV (indirect costs) = $127,002.35 + $68,341.82 = $195,344.17 $195,344.17 is the opportunity cost of Ben if he chooses to study in The Ritter College of Business at Wilton University. Growing annuity PV3 (salary) = C PV3 (salary) = $65, 550 C = $95,000 x (1- 0.31) r = 0.065 = $1,424,719.73 = $ 65,550 g = 0.04 t = 35-2 =33 FV = NVP = PV (salary) PV (total costs) $1424, 719.73 = PV = $1,256,117.38 $195,344.17 PV (salary) = $1,256,117.38 = $1,060,773.21 Ben will able to earn the amount of $1,060,773.21 in the future provided that he chooses to continue his MBA programs in The Ritter College of Business at Wilton University. Mount Penny College Year 0 Year 1 Year 2 Year 3 Year 4 Year 36 PV $118,500 $55,380 $57,318.3 $59,324.44 $178,371.25 Annual direct costs = Tuition costs + books and other supplies + health insurance plan Annual direct costs = $75,000+ $3,500 + $3,000 = $81,500 PV (direct costs) = R + R R = annual direct costs = $81,500 n= number of years = 1 r = discount rate = 0.065 PV (direct costs) = $81,500 + $81,500 = $81,500 If Ben studies in Bradley School of Business at Mount Perry College, he will use $81,500 to study the MBA program that requires one year. Growing annuity PV (indirect costs) = C x C = annual salary x (1 tax rate) g = constant salary growth = 0.03 = $50,000 x (1 0.26) t = number of years = 1 r = discount rate = 0.065 PV (indirect costs) = $37, 000 = $34,741.78 PV (total costs) = PV (direct costs) + PV (indirect costs) = $81,500 + $34, 741.78 = $116,241.78 $116,241.78 is the opportunity cost of Ben if he chooses to study in Bradley Scho ol of Business at Mount Perry College. Growing annuity PV2 (salary) = C PV2 (salary) = $55,380 C = $78,000 x (1- 0. 29) g = 0.035 = $1, 147,257.88 = $55, 380 t = 35 1= 34 r = 0.065 FV = NVP = PV (salary) PV (total costs) FV = $1, 147,257.88 = $1, 077,237.45 $116,241.78 r = 0.065 t = 1 = $960,995.67 $1,147,257.88 = PV PV (salary) = $1,077,237.45 Ben will able to earn the amount of $960,995.67 in the future provided that he chooses to continue his MBA programs in Bradley School of Business at Mount Perry College. Conclusion The best option for Ben from a strictly financial standpoint is option 2 where he chooses to study in The Ritter College of Business at Wilton University for MBA programs for two years full time programs. This is because Ben can earn the net amount of $1,060,773.21 in the future and it is the highest among the 3 option. Ben would gain an additional $331,877.33 of income compared to his current employment. It is also better tha n Mt. Perrys return by $99,780.91. From a financial sense, although Ben would spend an additional year enrolled in the university, in the long run, it would provide him with better total return. Refrences Veasley. D, (2009). What makes a good MBA candidate? https://www.gradview.com/articles/graduatestudies/mba_advantages.html

The Struggles of Abuse in In Perks of Being a Wallflower...

The Struggles of Abuse Anthony Robbins once said, The quality of your life is the quality of your relationships. What he is saying is that life is only as good as the relationships you create. Relationships are very important in one’s life. Without relationships, people would be lonely and would have no depth. Friendships and relationships both help develop people into who they will be in the future. Many relationships bring ease and happiness to others; however, not all relationships bring positivity into ones life, but there are always lessons learned. In Perks of Being a Wallflower, there are many characters and situations that are introduced. Charlie, being the main character, interacts, in one way or another, with many different people throughout the book. The main characters, Charlie, Sam, Patrick, and aunt Helen are the focuses of this book. I believe that Charlie is who he is because of the quality of the relationships in his life. Friendship is a concept that is very crucial to every life being that it provides one with intimacy and support. According to the developmental psychologists, relationships with peers are required in order to be normally socially developed. Patrick is a very important part of Charlies life. He was the first person to accept Charlie and was Charlies first friend in high school. Charlie had not had a friend since his best friend committed suicide the year before. The developmental psychologists said that relationships with peers areShow MoreRelatedThe Glass Castle By Jennette Walls And The Perks Of Being A Wallflower1196 Words   |  5 Pagestwo books have very similar messages about how the challenges we face in life impact who we become for better or worse. 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Primary Health Care Free Essays

INTRODUCTION Primary health care is the first care which is mainly provided by GP practices, dentalpractices,community pharmacies and spec saveropticians. 90% peoplecontactwith primary care services. Primary health care providers refer the patientsto secondary care services which needs special medical care. We will write a custom essay sample on Primary Health Care or any similar topic only for you Order Now Secondary care service provided by medical specialists who generally don’t have first contact with patients, care is mainly provided by hospitals and clinics. Tertiary care refers to those services which are highly technical and special services mostly provided by private medical professionals. It includes intensive care units and advanced diagnostic support services. Aspect of discussion (DIABETES) I would like to discuss on the most common disease that is diabetes mellitus which is one of the fastest growing disease in this era. It is a complex metabolic disorder in which a person has high blood sugar. It may be resulting from defects in insulin secretions or insulin action. In this condition blood has a high level of glucose because body cannot use it in right way. Pancreas produces certain types of hormones and enzymes which helps to digest food and regulates blood glucose. These are produced by tiny cells known as islet on Langerhans. Most of the cells are beta cells which produce and store insulin. Also locate the alpha cells which produce and store glycogen. Glycogen counteracts the effect of insulin. After taking a meal carbohydrates in the meal converted into the glucose in the intestine and in liver and then enter the blood stream. After that beta cells sense the glucose level in the blood stream and secrete insulin. But because of any dis-functioning when pancreas doe s not produce any insulin and allows glucose to enter the body cells is called diabetes. It may be hereditary or mostly occurs in over 40 age-group people. Figure 1 The normal level of glucose in our body is: CategoryMinimum levelMaximum level Fasting70mg/dl100mg/dl Random70mg/dl125mg/dl MAINLY DIABETES IS OF TWO TYPES Type 1 occurs when body fails to produce insulin and the person needs to inject insulin it is called insulin dependent diabetes mellitus. In type 2 cell fails to use insulin properly it is called non-insulin dependent diabetes mellitus. Gestational diabetes occurs in pregnant women, in this type blood glucose level become high during pregnancy then it may lead to development of type 2 diabetes. SIGNS AND SYMPTOM Both types have similar signs 1. Polyuria 2. Polydipsia 3. Polyphagia 4. Fatigue 5. Blurred vision 6. Feeling of numbness 7. Dry itchy skin 8. Slow healing of cuts and wounds 9. Genital itching EPIDEMIOLOGICAL OVERVIEW Worldwide many people suffer from diabetes. 2.8% population has this disease its number increases rapidly. InUKnumber of people diagnosed has increased by more than 150,000.The data from GP practices shows that one in twenty of population is treated for diabetes and one in ten for obesity which is the main reason of diabetes. InLuton9,000 peoples registered with GP who have diabetes. In this 4.3% are men and 5.0% are women and it is estimated that 350 new cases are found every year related to diabetes. COMPLICATIONS 1. Heart disease and stroke 2. Nerve damage 3. Retinopathy 4. Kidney disease 5. Joint pain 6. Foot problems 7. Hypoglycemia 8. Visual impairment 9. Sexual dysfunction 10. Miscarriage and stillbirth 11. Amputation CONTROLING MEASURES Self-care is essential. Always eat notorious food. Take regular exercise. Regular check -up of urine for albumin is important to manage diabetes. Weight management programs for adults and children Keep your weight under control Never smoke. Take medicine at time and if there is need to check sugar then learn how to check. Take sugar free diet which is available. By taking these minor things in mind one can control diabetes. SCREENING AND PREVENTION: Screen tests are vital for diabetic complications i.e. foot examinations, retinopathy screening, and retinopathy symptoms. Good balanced diet is also helpful. Physical activities should be increased, keep your diabetes under control, eyes, feet, skin, teeth and gums should be keep healthy TREATMENT Type1 of diabetes is always treated with insulin injections. Type2 mainly requires healthy balanced diet, good exercise, physical activities to lose weight, some people need medication or insulin injection to get normal glucose level. Insulin can be given in different ways. It is of six types. Health care team decided which type is effective for a patient. Insulin is given via an injection, by use of a syringe, pen device or by using an insulin pump. Mainly it is given under skin (subcutaneously) it may be administer in the stomach, thighs and inupper arms. When insulin is injected it is absorbed by blood vessels, then reaches in the bloodstream. Some medicines are also used to control glucose level. The best treatment is to adopt healthy lifestyle and early detection of disease. In my area people are served in easy ways nurse is the first who would know the history of patient. There are some other resources for diabetic patients: 1. Support groups 2. Supporting membership 3. Care line and advocacy 4. Languages Centre 5. Insurance These services offer advice, provide support, information, care events, latest research news and share experiences with group of diabetic patients as well as to their friends and family members. It is very easy, first patient comes to GP when he recognizes the symptom of diabetes. They ask the patient about his family history, signs of experience etc. Then they will take urine and blood sample. They check it for glucose level; if urine contains glucose then blood test for glucose is essential. Fasting blood sample is most reliable to check diabetes. Oral glucose tolerance test is also available for the patients whose blood glucose level is not high enough for GP to diagnose diabetes. Urine test for glucose level is simple and takes few minutes, on the other hands in FBS cases the patient has to go GP earlier with empty stomach but in OGT test the patient have to wait for some hours because they have drink a glucose drink after that in every half an hour or two hours blood tests are taken for testing how the body is reacting with glucose. In this type of test the patient have to wait for some hours but this type of test is taken in rare cases. As everybody knows that diabetes is not a cure able disease, it can be controlled by medication or by injecting insulin. The patient who is receiving the care should know the clinical qualities to improve the health by taking the preventive, diagnostic, therapeutic and rehabilitative measures like eat healthy food. Take regular exercise to reduce body weight, should not smoke because it induces vasoconstriction, and take regular treatment and checkup to control glucose level people with diabetic have to follow guidelines and clinical care. These are designed to access self-education and management, It is the only nurse who comes to contact with patient. She makes good interpersonal relationship with him. She advices the patient about meal plan and explain procedures of insulin for self- injection. She tells him to eat carbohydrate diet before exercise. She taught to assess feet, hands, soft tissue injuries, dryness of skin so the patient can identify the symptoms. Every nurse should have through knowledge and good experience to satisfy the patient. The evidence based knowledge tells NHS all knowledge and direct experience which they have to consult. InLuton, most of people are Asian and Europeans. They have mostly this kind of disease; they did not know well English so in this area there are multilingual nurses who help health care services in identifying diabetic patients. She speaks with them in their own language and detects their problems. This is also helpful to educating people about sign and symptoms, causes, treatment, prevention, facilities given and to supporting. She told them if they have related signs she took a finger prick test.so it is early detection to identify diabetes. Then she reports to nearby GP and patient get treated in best way. OVERVIEWS ON THIS TOPIC It is clear that the care provisions to diabetic patients are excellent and fit for its purpose. Nursing interventions are good and helps the local people to maintain their health. Patients of this disease get accurate treatment and well supported by care providers. If patients follow right instructions then they are able to get control on this disease. It is not one sided work in this both patients and care centers co-ordination is necessary. An experienced and qualified nurse is always required for excellence service provision because sometimes patients are diagnosed wrongly. The main care is started from GP and its provision is fit for patient care which is its main purpose. REFFERENCES 1) ABC of Diabetes, First edition 2002 (Author â€Å"Peter.J.Watkins† ) 2) Care of people with Diabetes- A manual of nursing practice, Edition 2009 (Auther â€Å"Trisha Danning ). 3) www.nhs.uk 4) Figure 1:- www.britannica.com How to cite Primary Health Care, Essay examples

Satellite Digital Audio Radio Services Efficient Communication

Table of Contents Connected Activities Scope Revenue Source Work Cited Connected Activities In order to ensure efficient communication SDARS has to connect three important components; the communication satellite, the uplinks and the downlinks that enable easy transmission. The communication satellites provides three orbits each covering an estimated distance from above the earth into the space and this ensures that signals are distributed evenly.Advertising We will write a custom essay sample on Satellite Digital Audio Radio Service’s Efficient Communication specifically for you for only $16.05 $11/page Learn More Low orbit covers below 3100 miles above the earth, medium orbits below 12,400 miles and geostationary covering 22,237 miles. Through the use of earth-orbiting satellite the SDARS have ensured that the radio signals are received promptly by the subscribers (Callahan et al 305-306). SDARS have also installed terrestrial repeaters that ensure that the transmission signals are not disrupted by obstacles. The system also has attenuated free frequency range that prevents transmission interference by the weather. The firm offers an in-dash unit that has the ability of receiving AM, FM and also satellite transmissions. There is the FM modulator capable of receiving and retransmitting signals, and the portable plug-and-play devices which offer the subscribers convenience since it can be used in cars (Callahan et al 306). Scope The rise in the radio technology has seen ascend to the levels of offering commercial applications. The quality and the distance of transmission coverage also improved and incorporated the human voices; this ensured that a good percentage of population is reached from every region (Callahan et al 305). The vehicle industry has become one of the major customers for the satellite radio, all new vehicles scramble for installation and the radio prices are usually not considered in pricing the new vehi cles (Callahan et al 305). The SDARS provides subscribers with variety of unique channels with less time apportioned to the commercial coverage as compared to the traditional commercial coverage that took approximately fifteen minutes per programming hour. The signal coverage is widespread therefore offering subscribers the ability to listen to same station on long journeys (Callahan et al 306). There is the hardware subsidies offered by SDARS in order to offset equipment costs. There are also incentives that are offered to the dealers that enhances the retail sales. The service has of recent offered the XM satellite radio that produces a signal from two earth-station antennas. They offer variety of music, talk, sports, entertainment and news channels. Besides they provide the subscribers with the opportunity to listen to live artist performances (Callahan et al 308).Advertising Looking for essay on business economics? Let's see if we can help you! Get your first paper with 15 % OFF Learn More Revenue Source To ensure stability and continuation SDARS obtains its revenue from advertising, activation fees and subscription fees. The contribution by the XM was approximated to be between 20-25% of the total revenue. The company charges an activation fee of $9.99 that’s only for subscriptions ordered over the website. The activation fee for orders made over the phone is a bit higher rated at $ 14.99, the total activation fee was estimated to contribute between 3- 5% of total revenues. The monthly subscription fee for XM which forms a big percentage of the revenues is charged at $9.99 per month. The subscription fee has contributed between 79-88% of total revenues (Callahan et al 309). Also the addition of other channels like the premium adult channel and playboy radio saw the increase in the subscription fee in the recent past. In Sirius satellite radio 98% of the revenue is obtained from the subscription fee with less than 2% from advertising. This is since music programming commercials are free of charge (Callahan et al 310). For the enhancement of their transmissions SDARS provide the consumers with the tuners each valued between $250 – $400, antenna valued between $50- $100 and also there is a fee paid to cater for the installation services that’s between $60 – $100. Some revenue is received from the partnering companies like the GM which helps in the distribution process of the XM radios (Callahan et al 309). On the other hand The Hertz Corporation which is a car rental Company partners with Sirius satellite radio to provide radios in Ford vehicles which costs tenants an extra charge of $ 5 per day (Callahan et al 310; Feng et al 467-503). Work Cited Callahan, Cropper, Hunter, Kucker and Mitzel Angela. â€Å"Satellite Digital Audio Radio Service†. Accessed at http://www.northwinds.net/ on March 2, 2010. Feng, Froud, Johal, Haslam and Williams. â€Å"A New Business Model? The Capital Market and the New Economy†. Economy and Society, Vol. 30, No. 4, 2001: 467-503Advertising We will write a custom essay sample on Satellite Digital Audio Radio Service’s Efficient Communication specifically for you for only $16.05 $11/page Learn More This essay on Satellite Digital Audio Radio Service’s Efficient Communication was written and submitted by user Alessandra Dudley to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

space travel essays

space travel essays Here I am alone in this cold metal spacecraft. A minute ago, my face was subjected to extreme forces of gravity. Isolated alone in this spacecraft waiting to land on the moon. Leaving my family behind to seize the opportunity of becoming the first man to land on the moon. Many space expeditions to the moon had been organized and many had failed. Men and Women from countries such as Russia and China had tried to conquer space. The deadly black abyss of space, do not be fooled and convinced by the false sense of security projected by the black abyss of space. It has claimed countless lives and many spacecraft had perished. Metal scraps littered, lingering and floating aimlessly. Now reminiscence of the great spacecrafts it used to be. Carrying brave men and women. Now here I am sitting alone staring into the infinite depths of the black abyss. What happened before I took off was heart pondering. My mind braced for the inevitable. My mind recalled what happened vividly. Houston we have a problem! I screamed into my microphone. The computer screen indicated an error. But that time it was too late. I was on the verge of take off. My rocket booster reverberated. The earsplitting rocket resonance. My heart skipped a beat. Thoughts of dying braced through my mind. Visions of y loved ones; precious memories came flooding into my mind. Am I going to die? How I wish that before I died I can say goodbye and tell them how much I loved them. During those crucial moments, silence swept through the craft. All other noise was blocked out of my mind. I was in fear. Death was imminent and inevitable. I wished that if I die it would be fast and painless. This sound jolted me out of my reverie. The reassuring sound meant that my transition from earth to space had been successful. My heart yelped in joy. I do not want to die. I have yet to discover and explore the secrets of the infinite bla ...

The Night of Sorrows

The Night of Sorrows On the night of June 30 - July 1, 1520, the Spanish conquistadors occupying Tenochtitlan decided to escape from the city, as they had been under heavy attack for several days. The Spanish tried to escape under cover of darkness, but they were spotted by locals, who rallied the Mexica warriors to attack. Although some of the Spaniards escaped, including expedition leader Hernan Cortes, many were slain by the angry natives, and many of the golden treasures of Montezuma were lost. The Spanish referred to the escape as La Noche Triste, or the Night of Sorrows.  Ã¢â‚¬â€¹ The Conquest of the Aztecs In 1519, conquistador Hernan Cortes landed near present-day Veracruz with about 600 men and began slowly making his way to the magnificent capital city of the Mexica (Aztec) Empire, Tenochtitlan. On his way into the Mexican heartland, Cortes learned that the Mexica controlled many vassal states, most of which were unhappy about the Mexicas tyrannical rule. Cortes also first defeated, then befriended the warlike Tlaxcalans, who would provide invaluable assistance in his conquest. On November 8, 1519, Cortes and his men entered Tenochtitlan. Before long, they took Emperor Montezuma captive, resulting in a tense stand-off with the remaining native leaders who wanted the Spaniards out. The Battle of Cempoala and the Toxcatl Massacre In early 1520, Cortes had a fairly firm hold on the city. Emperor Montezuma had proved a pliant captive and a combination of terror and indecision paralyzed other native leaders. In May, however, Cortes was forced to assemble as many soldiers as he could and leave Tenochtitlan. Governor Diego Velazquez of Cuba, wishing to reassert control over Cortes expedition, had sent a massive conquistador army under Panfilo de Narvaez to rein in Cortes. The two conquistador armies met at the Battle of Cempoala on May 28 and Cortes emerged victorious, adding Narvaez men to his own. Meanwhile, back in Tenochtitlan, Cortes had left his lieutenant Pedro de Alvarado in charge of about 160 Spanish reserves. Hearing rumors that the Mexica planned to slaughter them at the Festival of Toxcatl, Alvarado decided on a pre-emptive strike. On May 20, he ordered his men to attack the unarmed Aztec nobles assembled at the festival. Heavily armed Spanish conquistadors and their fierce Tlaxcalan allies waded into the unarmed mass, killing thousands. Needless to say, the people of Tenochtitlan were enraged by the Temple Massacre. When Cortes returned to the city on June 24, he found Alvarado and the surviving Spaniards and Tlaxcalans barricaded in the Palace of Axaycatl. Although Cortes and his men were able to join them, the city was up in arms.   The Death of Montezuma By this point, the people of Tenochtitlan had lost their respect for their Emperor, Montezuma, who had repeatedly refused to take up arms against the hated Spanish. On June 26 or 27, the Spanish dragged a reluctant Montezuma to the rooftop to appeal to his people for peace. This tactic had worked before, but now his people were having none of it. The assembled Mexica egged on by new, warlike leaders including Cuitlhuc (who would succeed Montezuma as Tlatoani, or Emperor), only jeered Montezuma before launching stones and arrows at him and the Spanish on the roof. The Europeans brought Montezuma inside, but he had been mortally wounded. He died shortly thereafter, on June 29 or 30. Preparations for Departure With Montezuma dead, the city in arms and able military leaders like Cuitlhuac clamoring for the annihilation of all of the invaders, Cortes and his captains decided to abandon the city. They knew the Mexica did not like to fight at night, so they decided to leave at midnight on the night of June 30-July 1. Cortes decided that they would leave via the Tacuba causeway to the west, and he organized the retreat. He put his best 200 men in the vanguard so that they could clear the way. He also put important noncombatants there: his interpreter Doà ±a Marina (Malinche) was guarded personally by some of Cortes best soldiers. Following the vanguard would be Cortes with the main force. They were followed by the surviving Tlaxcalan warriors with some important prisoners, including three children of Montezuma. After that, the rearguard and cavalry would be commanded by Juan Velazquez de Leà ³n and Pedro de Alvarado, two of Cortes most reliable battlefield captains. The Night of Sorrows The Spanish made it a fair way onto the Tacuba causeway before they were seen by a local woman who raised the alarm. Before long, thousands of enraged Mexica warriors were attacking the Spanish on the causeway and from their war canoes. The Spanish fought valiantly, but the scene soon deteriorated into chaos. The vanguard and Cortes main body of troops reached the western shores fairly intact, but the back half of the escape column was nearly wiped out by the Mexica. The Tlaxcalan warriors suffered great losses, as did the rearguard. Many local leaders who had allied themselves with the Spanish were killed, including Xiuhtototzin, governor of Teotihuacn. Two of Montezumas three children were killed, including his son Chimalpopoca. Juan Velazquez de Leà ³n was killed, reportedly shot full of native arrows. There were several gaps in the Tacuba causeway, and these were difficult for the Spanish to cross. The largest gap was called the Toltec Canal. So many Spaniards, Tlaxcalans, and horses died at the Toltec Canal that their dead bodies formed a bridge over the water over which others could cross. At one point, Pedro de Alvarado allegedly made a tremendous leap over one of the gaps in the causeway: this place became known as Alvarados Leap even though it likely never happened. Some Spanish soldiers close to the rearguard decided to retreat back to the city and re-occupy the fortified Palace of Axaycatl. They may have been joined there by as many as 270 conquistadors there, veterans of the Narvaez expedition, who had apparently never been told of the plans to leave that night. These Spanish held out for a couple of days before being overrun: all were killed in battle or sacrificed shortly thereafter. The Treasure of Montezuma The Spanish had been collecting wealth since long before the Night of Sorrows. They had plundered towns and cities on their way to Tenochtitlan, Montezuma had given them extravagant gifts and once they reached the capital city of the Mexica, they had looted it mercilessly. One estimate of their loot was a staggering eight tons of gold, silver, and jewels at the time of the Night of Sorrows. Before they left, Cortes had ordered the treasure melted down into portable gold bars. After he had secured the Kings fifth and his own fifth onto some horses and Tlaxcalan porters, he told the men to take whatever they wanted to carry with them as they fled the city. Many greedy conquistadors loaded themselves down with heavy gold bars, but some of the smarter ones did not. Veteran Bernal Diaz del Castillo carried only a small handful of gemstones which he knew were easy to barter with natives. The gold was put in the care of Alonso de Escobar, one of the men Cortes trusted most. In the confusion of the Night of Sorrows, many of the men abandoned their gold bars when they became a needless weight. Those who had loaded themselves with too much gold were more likely to perish in battle, drown in the lake, or be captured. Escobar disappeared in the confusion, presumably killed or captured, and thousands of pounds of Aztec gold disappeared with him. All in all, most of the loot the Spanish had captured thus far disappeared that night, down into the depths of Lake Texcoco or back into the hands of the Mexica. When the Spanish recaptured Tenochtitlan several months later, they would try in vain to locate this lost treasure. Legacy of the Night of Sorrows All in all, some 600 Spanish conquistadors and about 4,000 Tlaxcalan warriors were killed or captured on what the Spanish came to call La Noche Triste, or the Night of Sorrows. All of the captive Spaniards were sacrificed to the Aztecs gods. The Spaniards lost a great many important things, such as their cannons, most of their gunpowder, any food they still had and, of course, the treasure. The Mexica rejoiced in their victory but made a huge tactical error in not pursuing the Spanish immediately. Instead, the invaders were allowed to retreat to Tlaxcala and regroup there before beginning another assault on the city, which would fall in a matter of months, this time for good. Tradition has it that after his defeat, Cortes wept and regrouped beneath an enormous Ahuehuete tree in Tacuba Plaza. This tree stood for centuries and became known as el rbol de la noche triste or the tree of the Night of Sorrows. Many modern Mexicans favor a native-centric view of the conquest: that is to say, they see the Mexica as brave defenders of their homeland and the Spanish as unwelcome invaders. One manifestation of this is a movement in 2010 to change the name of the plaza, which is called Plaza of the Tree of the Night of Sorrows to Plaza of the Tree of the Night of Victory. The movement did not succeed, perhaps because there is not much left of the tree nowadays. Sources Diaz del Castillo, Bernal. Trans., ed. J.M. Cohen. 1576. London, Penguin Books, 1963. Print.Levy, Buddy. Conquistador: Hernan Cortes, King Montezuma and the Last Stand of the Aztecs. New York: Bantam, 2008.Thomas, Hugh. Conquest: Montezuma, Cortes and the Fall of Old Mexico. New York: Touchstone, 1993.