How to handle your finance after divorce - 600 Words

How to handle your finance after divorce Divorce is a complex and heartbreaking episode in anyones lives. You would not want to add in to your burden with monetary issues.This turn out to be a greater disaster if you were always being dependent on your partner or have money crunch. You can no longer afford to rely on anyone else other than yourself. So, gear up and get your act straight. We know it is difficult and at the same time important to start handling financial responsibility. Here are a few steps to help you to take the first step. Who owns the home In case the home is owned by your ex-spouse sole name, then you might want to consider registering for a share using a matrimonial home rights notice or a restriction†¦show more content†¦You can also review any wills, complex decisions and other legal documents that consisted of your ex as a beneficiary or legal partner. Do you have Credit? It is time to review all your debt and plan out a strategy to clear it off. The most helpful tip is to start with the highest interest rate debts first. This doesnt mean you liquidate your entire assets to restore your credit. A bird in basket is better than two in the bush. So, you know you have cash in the bank or safe in case of any emergency or money crunch to survive on. Start saving It will be a bit difficult in the beginning to save with just one income. But you need to prioritize and give yourself the time and attention required. If you detest taking risks then you can look at the combination of fixed income, equities, cash or other such kind of investments. Keep a tab on your portfolio on a regular basis and make adjustments according to your risk tolerance capacity. Have a financial schedule Always keep a tab on your cash flow. You should know how much you are earning and how much you are spending. Keep downloading your credit card and bank account statements to scrutinize. Sometimes we tend to overlook the expenses and then it hit us hard. Maintain your own personal balance sheet listing what you have and what you owe. Review these information annually to find out if you are heading towards your goal. If not, you will know where you are going wrong and can re-work in those areas.Show MoreRelatedWhy Divorce Is Not Be So Permanent? Divorce1590 Words   |  7 Pagespermanent? Divorce use to seem to be the absolute worst thing in the world but now unfortunately has taken the title of a â€Å"new norm.† According to the authors of Should I Keep Trying to Work It Out?: A Guidebook for Individuals and Couples at the Crossroads for Divorce (and Before), â€Å"In the United States, researchers estimate that 40%–50% of all first marriages, and 60% of second marria ges, will end in divorce† (Hawkins). 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But the sheer number of times people encounter these facts is obviously not enough because I personally know a lot of people that are reaching retirement and realizing that they may have to look for another job. So I think the more places people encounter it the better maybe theyll start acting upon it sooner rather than later. The second article I read was about how to decide what stocks to invest in. TheRead MoreChapter Twelve Of The Marriage And Family Textbook By David Knox1632 Words   |  7 PagesChapter fourteen of the Marriage and family textbook by David Knox, covers divorce and remarriage in today’s society. It discusses how the attitudes towards divorce have changed dramatically from how it was viewed by our parents and grandparents. Not only have society’s views changed on divorce but also on the functioning roles of the family and its structure. The author also goes into how the child custody issues have changed and what things affect children who have divorcing parents. 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Working as partners is important to resolve the issues of finances and they can have a healthier relationship. Financial issues may result from one spouse be saver and one spouse being a spender, no budget planning or the opposite there is a budget, but it may be too strict. Unresolved conflict in finances can lead to divorce; the couple are unable to talk about their finances and repair the damage to the marriage. Read MoreThe Suicide Of The Marine Corps951 Words   |  4 Pagessomeone commit suicide in the Marine Corps, it has a great impact on our emotional state of mind, mission readiness, and how to deal with suicide while still fresh in our en vironment. This is important to talk about it vice walking away and let the time cure the unanswered question. After a Marine commit suicide I find it a critical point to educate the force on why taking your life is not the solution, why any suicide is a death that touches someone (Kelly, 2015). 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Snow White and Red Rose Free Essays

There was once a poor woman who lived in an old thatched cottage . In front of the cottage grew two rose bushes. One grew flowers as white as snow, the other had flowers as red as wine. We will write a custom essay sample on Snow White and Red Rose or any similar topic only for you Order Now The woman had two daughters who resembled these rose bushes: one had a complexion as white as snow, the other lips as red roses. She named her daughters snow white and red rose. They were both good girls, but very different. Snow white, the elder, liked to stay with her mother and help her around the house, while her sister, Red rose, would wander the fields collecting flowers. But they loved each other dearly, and enjoyed each other’s company. This pleased there mother. ‘what one has she must share with the other. ’ The two girls liked to go walking in the woods to pick berries. Although the woods were filled with wild animals they never came to any harm-rather the reverse. The rabbits would come would come to feed from their hands and the deer would walk by their sides. If the girls were far from their home when night fell, they would make themselves a bed on the soft moss and sleep peacefully until morning. Their mother did not worry, as she knew her daughters were perfectly safe in the woods. The cottage itself was spotlessly clean, thanks to the way the two girls helped their mother. Red rose did the work housework during the summer. She would rise early, before anyone else was awake, so that she could bring her fresh flowers to put by her bed. During the winter, it was Snow white who lit the fire and set the cooking pot to boil. It was a copper cauldron, but she cleaned it so well, it shone like gold. One evening, as the snow falling softly outside, Snow white and Rose red sat by the fire as their mother read to them. A small lamb lay beside them, basking in the warmth, and a dove dozed on its perch above them. As the night drew on there came a loud knock at the door. ‘Quickly, Rose red,’ said her mother. ‘Open the door. It must be a lost traveller looking for shelter for the night. ’ Rose red opened the door, but standing there, instead of a traveller, was a enormous bear! She screamed and Snow white ran to hide behind her mother. ‘Do not be afraid,’ said the bear. ’ I mean you no harm. I am dying of cold and I am simply seeking some warmth. ‘The lamb trembled with fear and the dove flew away at the sound of the bear’s voice, but the girls’ mother was not scared. ‘Poor bear,’ she said. ‘Come, and warm yourself by the fire. Come, my daughters, do not be afraid, this bear will not harm you. ‘The girls came closer and were soon felling confident enough to brush the snow from his thick fur and tickle him with a stick. This would make the bear chuckle, but every now and again they would poke him too hard. The bear would growl softly, ‘Snow white, Rose Red, be careful. You almost spread me. ’ When it was time to go to bed, the girl’ mother suggested that the bear stay and sleep close to the fire. The next morning the two sisters woke and saw that the bear had left. Its heavy footprints in the snow led towards the wood. The next night the bear returned, and the next, and the next. All winter, the bear returned to sleep in the thatched cottage. The young girls spent the evenings playing with him, then at daybreak the bear would leave. One morning, when spring had come, the bear to Snow white, ‘I must leave now, and I will not be able to return until after summer. ’ ‘Must you go? ’ asked Snow white. ‘I’m afraid so,’ he replied. ‘I have to protect my treasure from the elves. As long as the ground is cold, the elves cannot find it, but as soon as the sun returns and heats the ground, they try to steal it. Snow white was very sad to see the bear leave, but as he passed the door, the latch caught against his skin and cut him. For a moment Snow white thought she saw a flash of gold shining through his fur, but she glimpsed it so briefly she could not be sure. Seeing snow white’s confused look, bear fled quickly into the woods. Sometime later, Rose red and Snow white were sent by their mother to collect firewood in the forest. As they approached a newly-felled tree, they spotted something hopping around the stump. It was an elf with a long white beard. The end of the beard was caught in the trunk and he pulled and tugged at his beard to try to release it. The elf glared at the girls. ‘What are you, statues? Why don’t you help me? ’ The happened here? ’ asked Red rose nicely. ‘You have a brains of a turkey! ’ the elf snapped back. ‘Can’t you tell that I was trying to chop down this tree here for firewood? It was all doing fine until my beard got caught in this cursed tree. Then you two young turkeys wandered past laughing at me! ’ To two sisters tried to free the elf, but his beard remained held fast on the tree. ‘Let’s go for help,’ suggested Rose red. You idiots! ’ he cried. ‘How dare you cut off the end of my beard? ’ Then he threw the bag on his shoulder and left without even looking at the young girls, let alone thanking them for freeing him. A few days later, Snow white and Rose red decided to go fishing. When they were close to the river, they saw something moving. It was the elf that Snow white had helped a few days earlier. A strong wind had entangled his beard with a fishing line-and at the other end of the line was a big fish. The fish was pulling so hard it threatened to drag the elf into the water. ‘Be careful! shouted Rose red. ‘You’ll fall into the water. ’ ‘I am not doing this on purpose, you fools,’ replied the elf, rudely. ‘It’s this cursed fish which wants me to fall in. ’ The young girls went to help. They hauled the elf into the bank and tried to disentangle the beard from the line. Unfortunately his beard was so twisted that Snow white was forced once again to resort to the scissors. The elf started to howl, ‘Oh, you devils! Why do you feel you have to mutilate the faces of everyone you meet? You disfigured me earlier, cutting off the point off my beard, and now you’ve cut off more! I daren’t show my face now because of you. ’ Snow white and Rose red were astonished. Then the elf added a curse. ‘I wish you only one thing-it is that you have to run without stopping until you have worn out the soles of you shoes. ’ Then he turned his back on the two girls, picked up a bag of pearls he had left on the riverbank, threw it over his shoulder and marched away. A short time afterwards, the girls’ mother sent them to town to buy some needles and thread. The path to the city crossed a moor covered with large rocks. Snow white and Rose red spotted an immense eagle circling in the sky. How to cite Snow White and Red Rose, Papers

Testing the Capital Asset Pricing Model free essay sample

Testing the Capital Asset Pricing Model And the Fama-French Three-Factor Model By Jiaxin Ling (Cindy) March 19, 2013 Key words: Asset Pricing, Statistical Methods, CAPM, Fama-French Three-Factor Model Abstract: This paper examines the Capital Asset Pricing Model(CAPM) and the Fama-French three-factor model(FF) and the Fama-MacBeth model(FM) for the 201211 CRSP database using monthly returns from 25 portfolios for 2 periods July 1931 to June 2012 and July 1631 to June 2012. The theory’s prediction is that the intercept should equal to zero the slope should be the excess return on the market portfolio. The findings of this study are not substantiating the theory’s claim for the fact that in some portfolios the alpha is statistically significant with non zero value and in some regression models, the slope is not statistically significant. 1. The BJS time-series test of the CAPM Black, Jensen and Scholes introduced a time series test of CAPM which is based on time series regression of the portfolio’s excess return on excess market return. [pic] (2) The intercept is known as Jensen’s alpha, which is a coefficient that is proportional to the excess return of a portfolio over its expected return, for its expected risk as measured by beta. Hence, alpha is determined by the fundamental values of the company in contrast to beta, which measures the return due to its volatility. If CAPM holds, by definition the intercept of all portfolios (Jensen’s alpha) are zero. Also note that, if the alpha is negative, then the portfolio underperforms the market. Table One presents the estimated alpha coefficients and the p values. Sample size for the regression is 972 for time period one and 588 for time period two respectively and period two is a sub period of period one. The following conclusions can be drawn from the table one and two available in appendix: 1) In period one, all estimated alphas are non zero ranging from -0. 53(portfolio 1) to 0. 57 (portfolio 5). Six out of twenty-five are negative which suggests that these portfolios cannot reach the expected return of market level. Twelve of twenty-five have p value smaller than 0. 05 which implies in those cases, it rejects the null hypothesis of zero alpha. The results of other thirteen portfolios confirm that the intercept is statistically insignificant upholding the CAPM theory that alpha is zero. 2) In period two, most of alphas are positive yet 5 out of 25 are negative, which indicates that they underperform the market. Besides, it is observed that the p value of alpha in fourteen portfolios is smaller than 0. 05 which implies that it rejects the null hypothesis of zero alpha. Similarly, the results of the intercepts of the remaining 11 portfolios show us that it cannot reject the hypothesis of zero alpha. Also in Table 1 and Table 2, interesting remarks can be derived from the following evidence based on the estimated beta coefficients and their p values: 1) In time period one, majority portfolios have beta larger than 1, which indicates that the return of those portfolios tends to be more volatile than the market level. All betas are statistically significant (p value less than 0. 05). In CAPM, it points out that higher systematic risk (beta) would lead to higher level of return. However, in this study, higher estimated beta portfolios are not associated with higher excess returns. Portfolio one for example, has the highest beta (1. 65) with -0. 53 excess return. In contrast, portfolio 13 has relatively lower beta (1. 17). But it produces a higher and positive excess return (0. 24). 2) In time period two, betas are statistically significant. Portfolio 4 has an estimated beta of the unit value which implies it has the same volatility as the market, other 17 having a superior to one, which therefore has a higher volatility than the market. Similarly, in this case, higher estimated beta is not necessarily correlated to higher excess return (which can be shown more clearly in the following plots). This evidence can be seen in portfolio 1 (with beta 1. 43 and alpha -0. 45) and portfolio 25 (with beta 1. 02 and alpha 0. 56). 3) One may observe that the data in period two is a sub period of period one and the beta is not stable over time for more portfolios have less than unit value beta in period two and some portfolios tend to be more volatile in the whole period (July 1931 to June 2012) but in sub period (July 1963 to June 2012) is less volatile than market level, take portfolio 24 as an example: its beta is 1. 4 in period one and in period two its beta is 0. 83. 2. The OLS cross-sectional test of the CAPM The CAPM states that the securities plot on the Security Market Line (SML) in equilibrium. We do cross-sectional test is to identify whether the above statement is true with our two data set and whether or not it rejects the hypothesis that the slope is zero. In the equation 3, the gamma 0 is the excess return on a zero beta portfolio and gamma 1 (the slope of the regression ) is the market portfolios average risk premium. [pic] (3) We perform the OLS cross-sectional test of equation (3) for both two periods. The results have shown in Table 3that gamma1 in time period 1 is positive (0. 55) and it is statistically significant for its p value is 0. 05, which implies that it rejects the null hypothesis of zero slope of the model. The gamma0 is also positive (0. 26) which suggests that the cross-sectional return of 25 sample portfolios during July 1931 to June 2012 outperformed the market level. In time period 2, gamma 0 is positive (1. 13) and gamma1 is negative (-0. 41) as shown in Table 4. In this case, the p value of gamma 1 is 0. 18, which indicates that it cannot reject the null hypothesis of zero gamma 1. Therefore, the model is interpreted as being false. The CAPM is rejected by the fact that the slope in period two is not statistically significant. We plot the values of Rj-Rf’s against betaj’s in both time periods. The Fig. 1 demonstrates the excess return of 25 portfolios in period one and their beta accordingly. These two curves are both wave-like pattern but not exactly follow the same movement. As discussed in previous section, higher stimated beta is not always necessarily correlated to higher excess return. These graphs are more vivid to illustrate this point. Majority portfolios follows the rule that higher beta is linked to bigger excess return. But special cases may be seen as portfolio one, six etc. Similarly, in Fig. 2 which is for period two, most of the 25 portfolios obey the rule that higher risk more return. But portfolio one seems to be an extreme case as well as it has the highest beta among the 25 portfolios with the lowest excess return (discussed in previous beta section). Also in portfolio six, it generates second highest beta (1. 4) but the excess return (-0. 20, portfolio 6) falls behind portfolio five (0. 61), which has much smaller beta (1. 08). 3 The time-series test of the Fama-French three-factor model [pic] (7) Table 5 presents basic statistics of the FF factors. We perform this test is to identify whether alpha is zero in each portfolio in equation 6. It is observed that these alphas ranges from -0. 87(portfolio 1) to 0. 09(portfolio 14). 12 out of 25 alphas are positive, but none of them exceed the value of 0. 1. Seven alphas are statistically significant with their absolute value of t statistics bigger than 1. 96. As a result, in these seven portfolios, it rejects the null hypothesis of zero alpha. Other eighteen ones cannot reject the zero alpha hypothesis. In time period two, the estimated alphas fall inside the limits between -0. 52(portfolio1) and 0. 18(portfolio 21) which seems to have narrower range comparing to period one in Table 6. Twelve out of twenty-five portfolios have negative alpha. Also in seven portfolios, each alpha is statistically significant and the null hypothesis of zero alpha is rejected. Interestingly, the seven portfolios in period one, which reject zero alpha hypothesis, are not the same as in period two (which is a sub period of period one). This result may show that the performance of these portfolios is not stable for the time being between July 1931 and June 2012. Besides, three zero alpha hypotheses of FF models remain rejected in both two periods (and they are portfolio 1, 6 and 21). 4 The OLS cross-sectional test of the Fama-French three-factor model. [pic] (8) The cross-sectional test of the FF three-model parallels the cross-sectional test of the CAPM. We mainly examine whether the intercept and the slope coefficients are equal to zero. In time period one, the results of gamma 0, gamma 1, gamma 2 and gamma 3 are 1. 98(t statistics 6. 04), -1. 25(t statistics-3. 96), 0. 19(t statistics 4. 01) and 0. 41(t statistics 6. 23) respectively. The null hypothesis of zero intercept can be rejected. And all estimated coefficients can be regarded as statistically significant. In the sub period (period two), the gammas are 1. 17, -0. 69, 0. 19 and 0. 41 respectively. The zero intercept is still rejected and this result is consistent with period one. Apart from gamma 1 with t statistics -1. 64, other coefficients are also statistically significant. It cannot reject zero gamma hypothesis. 5 The Fama-MacBeth(FM) month-by-month test of the CAPM in the July 1931 to June 2012 period [pic] (4b) The CAPM states that securities’ expected excess return and betas plot on the same line that passes through the origin. And it is also known that any unit-weight portfolio also plots on this line. It follows that a zero-weight portfolio’s expected return and beta would plot on a certain line too. In equation 4b, the gamma 0t is interpreted as the excess return on a zero-beta portfolio and the gamma 1t is a zero-weight portfolio return on the market in excess of the zero-beta rate. Since beta jt equals to beta j, the average of the gamma 0(0. 26) and gamma 1(0. 55) in our data set are equal to the results estimated from equation 3 in previous part. The estimated gamma 0 ranges from -102. 20 to 44. 08 and 546 out of 972 are positive. Among these 972 portfolios, 415 gamma 0 are shown statistically significant with their absolute values of t statistics larger than 1. 96, which indicates that the hypothesis of zero intercept of the FM model is rejected. That is to say, almost 43% of monthly return in this time series data set rejects the null hypothesis. 47. 5% of the estimated gamma 1 is positive. The minimum estimated gamma 1 is -35. 46 in the 20th month and it produces some what much bigger estimated value (127. 94) in the 23rd month. There are 499 gamma 1 out of 972 months are statistically significant. In these 499 portfolios, it rejects zero gamma hypothesis. Conclusion The CAPM null hypothesis of zero alpha is not always true in our findings. It is also shown that in real financial world, higher estimated beta portfolios are not always associated with higher excess returns. It happens that lower beta would generate higher return. Note that beta is also not stable through periods of time. Besides, in one of our FF model, the CAPM is rejected because the slope is not statistically significant in one sub period(period two) but different result is drawn in a longer time period(period one).

Narrative Technique in Gullivers Travels free essay sample

Despite the obvious satirical elements in this text, Gullivers unreliable narrative voice is a satire within itself. Mocking the travel narratives contemporary of his time, Swift utilizes the narration of Gulliver in order to criticize the naive and gullible English men and women who read travel narratives as factual documents despite the overt Royalist paraphernalia and overly descriptive aspects. The text commences with A Letter from Captain Gulliver to His Cousin Simpson, creating the framework of Swifts satire of contemporary travel documents. Within the very first sentence of this letter Gulliver already states that he urgently published this very loose and incorrect account of [his] travels. This statement signals to the reader that Swift is purposely conveying his narrator as unreliable, and furthermore, he writes I do here renounce a paragraph about her Majesty the late Queen Anne, of most pious and glorious memory. The statements conjointly set up Swifts satire of the travel narrative with both elements of loose and incorrect travel accounts, as well as a parody of Royalist paraphernalia. We will write a custom essay sample on Narrative Technique in Gullivers Travels or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page The writing flows along as the narrators thoughts and memories surface within his mind, with some ideas sparking new ones, which leads to a chain of connected clauses. This style gives the writing a diary or travelogue like quality, where one continues the train of thought unabated. Another particular style found in the writing is the deadpan explanation of details, especially quantitative details. The narrator rarely elaborates on how he is feeling or thinking, but supplies the reader with an abundance of facts and figures of his surroundings and situation. The unreliability of the narrator runs throughout the text, and is presumably Swifts method of satirizing the unreliable narrations of English traveller’s accounts of their own travels to new lands. In Part I, A Voyage to Lilliput, Swift writes that when Gulliver first arrived upon Lilliput he conjectured [it] was about eight oclock in the evening was extremely tired drank [brandy] and slept above nine hours. The most intriguing aspect of this section is that Swift conveys his narrator as overly exhausted, drunk off of brandy, and delirious from his swim to shore; therefore, Swift is purposely setting up a narrator who is obviously not in a state of mind where his perception is unclouded. Swift could possibly be satirizing the delusions of the English travellers who were writing back to England at the time, mocking that these captains were also drunk and delirious from their travels, and they quite possibly could be imagining the wonders that they described. Anyone who has read Samuel Taylors The Rime of the Ancient Mariner is aware of the effect that the desolation of the sea can have of ones psyche. Swifts inclusion of exceedingly exact measures and time frames is also notable in his attempt to satirize the travel narratives. For example, the narrator was aware of the exact time of day, and exactly how long he slept in the previous quotation. Furthermore, Gulliver narrates an entire paragraph concerning the description of the ancient temple in which he was to stay in Lilliput which exhaustively explains exact measurements of the gate being four foot high and almost two foot wide, and a small window not above six inches from the ground. Swift is able to mock the overly descriptive narratives of his contemporary British travellers by including overly descriptive and unbelievable measurements into the narrative of his protagonist Gulliver. Gulliver describes how the island of Laputa moves using this giant magnet, which is attracted to the Earth on one side and repulsed by it on the other. If they stand the stone upright with the attracting side face down, the island goes down, and vice versa. Gulliver is using the formal mathematical and scientific language of his day with all of this stuff about parallelism, attraction, and repulsion. But its clearly an imitation – none of Gullivers regular descriptions of things sound this stiff and difficult. Swift imitates different kinds of jargon and technical writing to show that the weakness of mankind isnt just limited to politics and morals; we write pretty badly, too. The Royalist paraphernalia within Swifts text is equally significant in his parody of travel narrators unreliability in which English men and women at the time believed as factual. Every instance in which Gulliver says something (or provokes from another) a negative response about England or Englands monarchy, Gulliver augments the statement with praise of England and/or the monarchy. For example, in Part II Chapter VII the narrator uses a pre-verification before he begins to tell a story in which his noble and beloved country was so injuriously treated. Swift then writes a strange effect of narrow principles and short views! in relation to the King of Brobdingnags lack of interest in gunpowder. Gullivers sarcastic tone could not possibly be any more obvious in this line, as Swift utilizes his narrator Gulliver as a representation of England as a morally corrupt and violent society. In this same section, Swift writes that Gulliver will hide the frailties and deformities of [his] political mother, and place her virtues and beauties in the most advantageous light. This statement is further demonstrative of Swifts opinion of the travel narratives in which the authors continuously praise their mother country, not because they were particularly Royalist Englishmen, but because their travels were funded by the monarchy, and therefore they must bootlick and grovel as much as possible so that their funding continues. The satirist finally satirized himself after exhausting every other subject possible. Or perhaps Swift instead admits that folly, finally, will always be part of humanity, and the self-awareness and cynical distance of the satirist are not the answer. Gulliver learns from the Yahoos the weaknesses of humanity, because he sees them without any redeeming qualities. But there is no place for Gulliver in a world without any of those vices either, because they cannot tolerate him. If there are two possibilities, as Swift seems to be saying, run from all humanity or accept humanity, Gullivers solution does not work. He is miserable at the end. He has rejected humanity, and his ideal world will not have him. This is not where Swift wants the reader to be at the end. If Gulliver has no compassion for the weakness of humans, then the reader must. If Gulliver cannot see the good in people, such as the wise sea captain, then the reader should. Essentially, Swifts Gullivers Travels is a text compiled of various layers of satire, and Gullivers narrative voice is satirical within itself. In representing the unreliability of contemporary travel narratives, as well as their Royalist purposes, Swift criticizes the English men and women who naively determined them as factual documents while he criticised the English imperialist acquisitions and aspirations.

Sample Essay of Do You Do Anything Outside of School - Get to Know Your Personal Profile!

Sample Essay of Do You Do Anything Outside of School - Get to Know Your Personal Profile!Why is it important to write a sample essay of do you do anything outside of school? This might be one of the most critical questions you will ever ask yourself. If you have not been exposed to the benefits of writing a sample essay then you really need to get started today.For starters, let's look at the question, 'Do you do anything outside of school?' I can only speak for myself. I work a job that I enjoy. However, if I were not to do my job, I would have no way to pay the bills.Of course I am not being totally honest with you. My job has provided me with a great opportunity, but I would not have it any other way. There are many reasons why you should write a sample essay of do you do anything outside of school.The first and best reason is that it will save you a ton of time. When I decided to write an essay for my personal profile, I could not believe the amount of time I wasted. I spent hour s combing through hundreds of essays for my profile and ended up leaving out a lot of people.With a sample essay, I only had to spend 10 minutes to write down what I wanted to say about myself. This was a huge difference because I now had some very interesting and helpful information to use.Another plus with a sample essay is that it will help you get into college faster. College admissions officers are constantly looking for applicants who have a great voice and a unique personality.So, in my final analysis, I would definitely recommend writing a sample essay of do you do anything outside of school. It will save you a ton of time and it will make your college experience a bit more enjoyable. Don't forget to add the online school option to your profile!

How to write a delivery driver resume (with examples) -The JobNetwork

How to write a delivery driver resume (with examples) -The JobNetwork It may not be the open road of long-haul trucking, but driving a truck on a delivery route is a job with a lot of upside if you have the driving skills and a mind for logistics. It’s a detail-oriented job that can help you develop customer service and logistics skills that will serve you well, whether you want to stay a driver or move on to other jobs or fields. Let’s look at three different types of drivers (food delivery, package delivery, and delivery driver seeking to shift into a managerial role) and what their resumes look like.First up is Kevin, who’s a food service delivery driver.Download this resume in ms wordKevin Burgess888 Carson CourtEvanston, IL 12121(111) 222-3333KevinQBurgess@emaildomain.comSafe, licensed driver  · Excellent Customer ServiceSUMMARYExperienced driver with excellent customer service skills and stellar on-time delivery record. Strong focus on brand and customer development through high-quality food delivery.KEY SKILLSMeeting and e xceeding on-time metricsClean driving record with a focus on safe travelFriendly and courteous demeanorWorking as part of a teamWORK EXPERIENCEFood Delivery Driver                                                                                            2015 – presentPizza World  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Evanston, ILDeliver customer orders quickly and efficiently, while maintaining high company and food quality standards.Have achieved a 100% success rate under Pizza World’s â€Å"40 minutes or it’s free† delivery policyConsistently receive excellent customer feedbackAwarded â€Å" Driver of the Month† 7 times since 2015Process payment (cash and credit) quickly and accurately.Delivery Driver                                                                                                            2013 – presentThe Daily Bugle  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Chicago, ILDeliver newspapers on a daily route to commercial and retail customers.Consistent and accurate delivery to newspaper customers before business hoursTroubleshoot when there are delivery issues such as blocked entrances, traffic issuesCUSTOMER TESTIMONIALSâ€Å"With fast delivery and a friendly smile, Kevin is one of the main reasons I keep Pizza World at the top of my takeout rotation.†- FoodShoutz user PizzaDude918â€Å"Could not ask for better delivery than I receive from Pizza World. My food is fresh, hot, and fast every single time!†- FoodShoutz user amyBEDUCATION LICENSINGIllinois State Driver’s License2012 – presentEmmanuel High SchoolHigh School DiplomaAs he works on his resume, Kevin knows that his biggest asset is his great customer service record, so he makes sure to play that up at every point in the resume. He only has a couple of years’ experience, so he starts by featuring his skills, setting the narrative with a headline, summary, and bullets. For his work experience, he focuses on his efficiency and skills, using the bullets to play up the skills he highlighted at the top. Kevin also customizes his resume further by adding direct customer feedback. This is not a necessary part of a resume, but if you have specific praise you can share, especially when you work i n a public-facing job, adding a blurb or two can really help emphasize your professional skills.Next up is Andie, a slightly different kind of delivery driver- packages and freight instead of food.Download this resume in ms wordAndie Bennett444-111-2222  · 249 Bensonhurst Ave  · Tarrytown, NY 00000ABDriver@emaildomain.comCDL-Certified Driver with an Impeccable Record of On-Time DeliveryCORE COMPETENCIESMeeting on-time metrics and delivering goods efficiently and free of damageTroubleshooting road and mechanical issuesProviding prompt and courteous serviceTracking and managing shipments with a high degree of accuracyLICENSINGClass B CDL – State of New York2001 – present (renewed every 4 years)EXPERIENCEDiamond Solutions, Inc.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Route Delivery Driver  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   August 2011 – presentTransport shipments and goods within a set route, with a demonstrated ability to navigate heavy urban traffic.Maintain truck, keeping them safe and in compliance with mechanical and safety best practices.Review invoices with customers, and obtain shipper and receiver signatures.Keep detailed delivery and receiving records.Expert use of FocusShip inventory and tracking software.Better Boxes ShippingRoute Delivery DriverMay 2004 – August 2011Loaded and executed delivery of customer shipments in a timely and efficient manner.Monitored all outgoing shipments for completeness and accuracyMaintained mileage log and conducted pre- and post-trip vehicle inspections.Escalated damage reports, shipping discrepancies, and customer issues to sales representatives.At Your Door Delivery Inc.Route Delivery DriverFebruary 2000 – April 2004Dated, stocked, and rotated product upon delivery.Handled customer invoicing.Verified accuracy of purchases orders.Maintained driver log according to state and federal regulationSKILLSCustomer serviceMechanical maintenanceAccurate logging and reportingSafe driving in a variety of weather and traffic conditionsExcellent time managementWorking with digital shipping management systemsTroubleshooting delivery issuesDelivery DispatcherMarch 1998 – February 2000Provided phone support for customers.Directed delivery drivers and coordinated shipments.Acted as a liaison between driver team and customer support team.EDUCATIONTractor Trailer Training UniversityCDL Certification, Class BForrester Community CollegeAssociate’s Degree, Business StudiesFramingham High SchoolHigh School DiplomaAndie has several things going for her resume: she has a specific license that is important in her field and a long and solid history of driving. She uses a â€Å"core competencies† summary at the beginning to set the narrative for the rest of her resume. These aren’t word-for-word the b ullets that will appear later on, but rather a highlight reel of the points she wants to emphasize. She also makes sure that her CDL is featured prominently as well, as it shows that she is qualified and experienced with handling large trucks. Her experience may not be entirely limited to her driving and shipping career, but here she chooses to focus on those jobs because they’re relevant to the job she’s seeking next. High school waitressing jobs or a way-back office internship have little bearing on the professional she is now or the job she wants to seek, so editing your resume to include the most relevant points of your job is important.Next is Franco, who has been a delivery driver, but wants to move up to a management/overseeing role.Dbownload this resume in ms wordFranco Rogers Jr.56 Main StreetSioux Falls, SD 21212(555) 000-1111FRogers@emaildomain.comLinkedIn: FQRogersJrSeasoned driver and logistics expert seeking to leverage teambuilding and management skills into a supervisory role. More than 20 years of on-the-road experience as a driver, managing shipments and deliveries of varying sizes in different conditions, and mentoring junior drivers.SKILLS SUMMARYCoordinating and executing large-scale deliveriesPlanning routes and logisticsTeambuilding among peers and new employeesSolving day-to-day issues in delivery, driving, and execution of logisticsEnsuring accuracy and quality of incoming and outgoing shipmentsEXPERIENCELead Route Delivery Driver  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   June 2010 – presentLightning ShippingLoad and deliver large daily shipments to commercial and residential customers in the metropolitan Sioux Falls area.Serve as mentor for trainee drivers and new employees, including proposing and implementing a â€Å"ride-along† program that has beco me standard company policy for new and prospective hires.Process shipments via digital inventory management tools, ensuring accuracy and efficiency.Work directly with customers to assess quality issues (damage, completeness of order) and escalate to the appropriate customer service teams as necessary.Route Delivery Driver  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   January 2000 – June 2010ShipItFast.comDelivered shipments of varying size for a large ecommerce fulfillment facility, with routes throughout South Dakota.Served as the employee representative on the company advisory board, attending quarterly meetings and participating in periodic feedback sessions.Handled shipments with excellent accuracy and on-time-completion.Cultivated a stro ng customer base by providing top-notch customer service.Delivery Driver  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   October 1997 – December 1999Subs ‘R UsDelivered food to customers in a timely manner.Reviewed orders pre-delivery to ensure completeness and quality.Managed routes to maximize delivery efficiency.Provided attentive and courteous customer service.EDUCATIONOmega UniversityManagement Training Course, completed 2017Branford Area High SchoolHigh School DiplomaTECHNICAL SKILLSMicrosoft OfficeOn-board delivery tracking systems (FastShip, Delivery Target)Inventory management software expertiseFranco has more than 20 years of experience on the road, but because he’s angling to turn that experience into a different kind of rol e- a more managerial office job, specifically- he wants his resume to show that he’s ready to take that next step. So instead of diving right in with the experience, he uses a detailed summary statement and bullet points to give an overall pictue of his logistics know-how, making sure to mention leadership qualities like coordinating and managing people. His experience bullets support those narrative points that he wants to hit, without just recycling the bullets. He also makes sure that his Education section includes a management course he took. Not all education bullet points have to be completed degrees- relevant coursework or academic work should be included if it’s relevant to the job you’re seeking.

Cornelius Tacitus - Roman Historian

Cornelius Tacitus - Roman Historian Name: Cornelius TacitusDates: c. A.D. 56 - c. 120Occupation: HistorianImportance: Source on Imperial Rome, Roman Britain, and Germanic Tribes It is the rare fortune of these days that a man may think what he likes and say what he thinks.Histories I.1 Biography Little is known for certain about the origins of Tacitus, although he is believed to have been born, around A.D. 56, into a provincial aristocratic family in Gaul (modern France) or nearby, in the Roman province of Transalpine Gaul. We dont even know if his name was Publius or Gaius Cornelius Tacitus. He had a successful political course, becoming a senator, consul, and eventually governor of the Roman province of Asia. He probably lived and wrote into Hadrians reign (117-38) and may have died in A.D. 120. Despite a political situation that had provided for his personal success, Tacitus was unhappy with the status quo. He lamented the previous centurys reduction of aristocratic power, which was the price of having a princeps emperor. A Challenge to Latin Students As an iconoclastic Latin student, I thought it a blessing that so much of the prolific historian Livys Roman history, Ab Urbe Condita From the Founding of the City, had been lost. Tacitus poses an even greater challenge than volume to the Latin student because his prose is difficult to translate. Michael Grant acknowledges this when he says, the more prudent translators have prefaced their efforts by apologetic reminders that Tacitus has never been translated and probably never will be.... Tacitus comes from the Greco-Roman tradition of history writers whose purpose is as much to promote a rhetorical flourish-filled moral agenda as it is to record facts. Tacitus studied oratory at Rome, including the writing of Cicero, and may have written oratorical treatises before his 4 best-known writings, the historical/ethnographic pieces. Major Works: Agricola (Agricola in English),Germania,Historiae (Histories), andAnnales (Annals). The Annals of Tacitus We are missing about 2/3 of the Annales (an account of Rome year-by-year), but still have 40 out of 54 years. Annales isnt the only source for the period, either. We have Dio Cassius from about a century later, and Suetonius, a contemporary of Tacitus, who, as court secretary, had access to imperial records. Although Suetonius had important information and wrote a very different account, his biographies are considered less discriminating than Tacitus Annales. Tacituss Agricola, written in about A.D. 98, is described by Michael Grant as semi-biographical, moral eulogy of a personage in this case, his father-in-law. In the process of writing about his father-in-law, Tacitus provided a history and description of Britain. Germania and the Histories of Tacitus Germania is an ethnographic study of Central Europe in which Tacitus compares the decadence of Rome with the virility of the barbarians. Historiae Histories, which Tacitus wrote before Annales, treats the period from Neros death in A.D. 68 to A.D. 96. The Dialogus De Oratoribus Dialogue on Orators pits Marcus Aper, who favors oratorical eloquence, against Curiatius Maternus, who favors poetry, in a discussion (set in A.D. 74/75) of the decline in oratory. J.W. Mackails Latin Literature Part III. Chapter III. TacitusTacitus: HistoriesTacitus: The AnnalsTacitus: GermaniaVeleda - as described by TacitusA Summary of Tacituss Works