A Penny Saved Is A Penny Earned Essay - 929 Words

FRUGALITY â€Å"A penny saved is a penny earned† this was one of the Franklin’s thirteen virtue that was meant to make people aware about frugality and thrift and help them to manage their economic and financial status. Frugality means acquiring goods and services in a restrained manner, and resourcefully using already owned economic goods and services, to achieve a longer term goal. Nowadays, this virtue is not applied by the Americans in their lifestyle like it was used to because they are much more concerned to get what they want, no matter how much it costs them. Americans today are profligate spenders who are not seriously concerned with frugality and thrift like they used to be as they spend wastefully on the things they like rather than†¦show more content†¦Then he spends the remaining surplus money gambling. Now a new born is expected in his family and he has very little saving to cover up the additional expenses. Jeff needs to opt for the frugal practices to man age his family’s living in order to prevent taking any last minute, desperate measures like taking loan with high interest or mortgaging the house. Americans usually prefer to spend their leisure time taking luxurious vacations at exotic hotels and resorts filled with marvel and opulence that surely costs lot more than what an average person can earn. A trip like these can easily cost about fifteen hundred dollars at least. So, people are spending about a month or two month’s salary on these vacations. Furthermore there are trips to bravura spas and health resorts that lead to more declination on the average saving per month and year. People wastefully spend their money visiting these resorts instead of simply being precautious and having a healthy eating and living routines. If frugality is kept under mind then the leisure time should be spend on something productive or on hobbies and PRADHAN 2 interests that does not hamper the savings. Loretta claims that she spent her two month’s salary and three month’s saving on a single family vacation trip. These kind of extravagant vacations and profligateShow MoreR elatedNo Need for Pennies in Our Economy Essay712 Words   |  3 Pagesor bills. Do we use pennies for virtually any transactions? The answer is no, we don’t. Consequently, the penny is far and away the least useful monetary value we have. Pennies are inefficient and should be cut out of the currency. The rationale behind this conclusion is simple: the price tag of minting a penny is more than one cent. Unfortunately for the penny, two other reasons prove that we require it no longer. The first reason is that not only will the removal of pennies make us more effectiveRead MoreThe Price Of The Prices1058 Words   |  5 PagesBenjamin Franklin once said, â€Å"A penny saved is a penny earned. Unfortunately, that idea no longer applies to modern society. There isn t really much saving or earning with today s penny. This is to do with the rising high melt value that is branded with the currency. Essentially, producing the penny costs more than what the penny is actually worth . The copper and zinc that are used to make the coin are more valuable than its value as currency. The one-cent coin doesn’t have the purchasing powerRead MoreThe Consequences of Rewarding Good Grades with Money511 Words   |  2 Pagesgrades. Due to the lack of knowledge, kids are unable to spend money wisely. Their strive for money becomes their main goal and do not realize the importance of their grades. This leads to rushed work also, paying your child is a waste of the money earned by the parents and leads to consequences for their future. First of all, when kids get money for good grades, they are unable to spend it effectively. A child are more likely to spend money on items such as games, candy or objects of their interestRead MoreThe Value Of The Pennies : The One Cent Coins That Make No Essay1553 Words   |  7 PagesThe Pennies: The One-cent Coins that Make No â€Å"Cent† Throughout ages, humans have developed civilizations in which we plant, we grow, we produce and we trade. During the development of each culture, people also developed various methods to enhance the flow and exchange of goods and services within the country and abroad. Mankind have moved away from barter to commodity monies such as seashells, stones, arrowheads†¦ and eventually we introduced the banknotes and the coins, the two convenient mediaRead More Economy Essays808 Words   |  4 Pageswhatever they wish. Our country right now is at an all time high for spending, despite some of the happenings on September 11th. This is not necessarily a good thing. You have heard the old saying, â€Å"a penny saved is a penny earned†, well that is exactly what people are now saving. One penny is now being saved for every $10 worth of income. Our country has one of the lowest savings rates of any industrialized country in the world. When we retire, we will have to live on things like social security. As youRead MoreScientific Method and Unobtrusive Measures697 Words   |  3 PagesSOCI 1301 Principles of Sociology Chapter 5 Quiz 1) Which of the following statements is the best example of a hypothesis? A) All men are created equal. B) A penny saved is a penny earned. C) Unemployed men are more likely to commit spousal abuse than employed men. D) More than 300 million people live in the United States. 2) In the statement, Poverty causes crime, the words poverty and crime are best described as ________ because they are subject to change. Read More Benjamin Franklin Essay1332 Words   |  6 Pagesunder the pseudonym Richard Saunders. Although most people knew that he was the one that wrote it the Richard Saunders character repeatedly denied this. Some of his famous quotes from this publishing were A penny saved is two pence dear which translated means a penny saved is a penny earned. Also the quote Fish and visitors stink in three days remains a common quotation in the modern world. Benjamin Franklin sold about 10,000 copies a year of his almanac. In 1764 Franklin was dispatched toRead MoreHow to Live on a Low Budget: Historical Economic Analysis Essay591 Words   |  3 Pagesproduction meant the economy’s progression came to a halt. The thought that a large family was a prosperous one worked against the head of household because of the extra mouths to feed. Many terms originated from the hard times like a penny saved is a penny earned. The unemployed, homeless and hungry were motivated to do what they could to support their families with little room for extra spending or impulse buying. Living on a low budget meant the use of coupons, bartering labor for raw goodsRead MoreBenjamin Franklin Creative Writing Essay1151 Words   |  5 Pagesfranklin s dad Josiah wanted Benjamin to attend school with the clergy, but only had enough money to send him to school for two years. He attended Boston Latin school but did not graduate. Wherever franklin would go he would always carry me( Benny the penny) around with him, this is how I know him so well and the events that occurred until I was passed on to George Washington in 1790. At the age of 12, Benjamin became the apprentice of his older brother James who was a printer and taught Benjamin theRead MoreBenjamin Franklin : The Declaration Of Independence And The Constitution Of The United States764 Words   |  4 Pagesown pieces and authoring the first political cartoon. As if this amount of work wasn’t enough for him, he authored Poor Richard’s Almanac, published once a year under a pseudonym and distinguished by his memorable aphorisms such as â€Å"a penny saved is a penny earned†, â€Å"beware of little expenses. A small leak will sink a great ship† characteristic of the combination’s proclivity towards frugality. The combination is always striving to create structure in society and lay down strong foundations for

How Does Blood Donors Help The Mankind - 1682 Words

Stasis you are working with: Action Thesis-: I will like to show how blood donors are in a desperate need and encourage you to take an immediate action to help the mankind because it can save the life of your loved and beloved ones. SECTION ONE OUTLINE: Monroe’s Motivated Sequence STEP 1. Attention I. Introduction STEP 2. Need II. A look at the overwhelming need for blood donors. A. The issue of people not participating to donate blood which causes lack of blood for medical treatment of patients. 1. Why people don’t donate blood. a. Lack of participation of an actual blood donor possess a threat to the life of many Americans. b. According to the American Red Cross, Two most common reasons cited by people who don t give blood are:†¦show more content†¦2. According to World Health Organization, although an estimated 38% of the U.S. population is eligible to donate, less than 10% actually do each year. 3. You can now see the magnitude of the problem with the lack of blood donation. STEP 3. Satisfaction III. Fortunately, it is the problem that can be easily solved. All you have to do is to go to the nearest Red Cross and donate your blood. A. For those of you who have never donated blood, the process is so simple, easy and fast. 1. First, you fill the donor information form that questions about your sexual history and health. 2. You will then receive the mini physical. 3. They will take a drop of blood from your finger to measure the percent red blood cells in your blood. 4. Then, they will check your blood pressure as well as water temperature and pulse. So you are not only saving lives by donating blood but you are also checking your own. 5. After physical, you will be asked after which time you choose to donate. 6. Then you will be asked to lie on the donor chair. 7. A staff member will clean your arm and insert a non-reuse able needle in it. 8. After a pint of blood has been taken which usually takes 10 minutes, you will be asked to relax for 10 to 15 minutes you enjoy snacks and cookies. 9. The practice is over and the eight week, you can donate blood again. B. General myths of blood

Contributing Factors to Low Performing Students Free Essays

Contributing Factors to Low Performing Students In Partial Fulfillment of the Requirements for the Degree Master of Arts major in Guidance and Counseling CHAPTER 1 Introduction Students are facing with many issues in their lives, and because of the competing things for your attention, it’s hard to concentrate on studying. Studying can seem very boring when compared to any other exciting activity. You may even prefer doing non-sense things rather than to study your lessons. We will write a custom essay sample on Contributing Factors to Low Performing Students or any similar topic only for you Order Now Too many people treat studying as the thing to do when you get around to it or have some spare time, too many people look at studying as necessary task, not an enjoyment or an opportunity to learn. ( Grohol, 2006 ) Studying is important in our lives, especially to the lives of the students. Each student as unique individual has different abilities, approaches, ways of thinking, interests and ways of studying the lessons. These individual differences have significant influences on ones learning style and acquisition. Each student has different methods and ways of studying and these methods are sometimes helpful but some are not as effective as the others. (Oppapers, 2010) http://www. termpaperwarehouse. com/essay-on/Study-Habits-Chapter-1/82775 Students’ low performance in school is not without consequences to either the students themselves or the school system. Problems like difficulty of adjustment to school works, distance of parents, rebellion against authority, feeling of basic inferiority and financial difficulty are often manifested by underachievement in school. However, these variables have contributed to the success or failure in the four year stay in high school but are perceived in different perspectives by the individual learners (Soberano, 2000). Bar-On and Parker (2000) stated that the school is a social environment with many demands on social competence. The young people who fail to get along with their peers in the classroom are likely to be perceived as distractible or even disruptive, thus affecting their performance and progress in school. Family relationship is considered to be an important factor in student life. Schneiders indicate that from the very start it is the family and particularly the parents, who ensure the satisfaction of basic physical and psychological needs on the basis of which intense and lasting ties are ordinarily established. The close affinity between youth and the home has significant implications for personality development. As the evidence indicates, the personality development of teen-agers is to an important degree a measure of home and family influences. As pointed by Franken (Batingal, 2007), â€Å"children growing up in a positive family atmosphere, whose parents are involved in their schooling tend to develop better self-regulation and also do better in school. † However, irresponsible, unstable job of parents and lack of financial and moral support to their siblings has resulted the student’s low esteem, less motivated in their school performance. Moreover, expertise of knowledge of the teachers in his field of studies and effective classroom management plays a significant factor of the student’s academic performance and achievements. Since given the best teacher in terms of knowledge ability and potentials, if he lacks the ability to control his students in the classroom, teaching cannot be effective and thus, no learning will take place (Acero, Javier, and Castro, 2007). Individual characteristics such as age, sex, and parents’ educational attainment are important factors in achieving better education outcomes. Adolescents encounter varied obstacles during their entire school life. Academic performance is affected by the characteristics of the learner’s environment. One of which is, living environment, whether one lives in the home or in the lodging/boarding house show an effect on the academic performance of students. Graceda (Soberano, 2000) discusses that the impact of the types of residential arrangement and some important factors, like I. Q. , parents’ relationships and socio-economic status of the family correlate in each residential arrangement indicates lower academic performance. On the other hand, adolescent peers also affect how well and how much they learn. Peers provide models that can encourage or discourage learning. However, by and large, peers have harmful effect on grades. Over half the students’ surveyed said that they did not talk about school work with their friends. In fact, merely 1 in 5 said he or she did not do as well as possible for fear or earning the disapproval of peers (Rathus, 2001). The major findings of the study from National Center for Education Statistics, compared with students with friends who showed little interest in learning, those with friends who cared about learning had better educational outcomes–they were less likely to drop out of school and more likely to be enrolled in an academic program, graduate from high school, and continue their education after graduating. On the other hand, students with friends who were interested in having sex, drinking, and using drugs experienced less desirable educational outcomes. These students experienced a higher rate of dropping out of school and a lower rate of being enrolled in academic programs, graduating from high school, and pursuing postsecondary education (nces. ed. gov). How to cite Contributing Factors to Low Performing Students, Essay examples