Post-Colonial View on Things Fall Apart free essay sample

Chinua Achebe is a writer represent considerable authority in African writing, and this article manages the topics in regards to expansionism in one of his numerous books. Specifically, the Igbo individuals in Chinua Achebe’s Things Fall Apart have their convictions sabotaged by the British. All things considered, their goals are seen as savage and graceless, which caused a gap among the Igbo individuals. A helpful hypothesis to break down the topic of a changing society is the post-frontier hypothesis, which manages the unusual adjustments that a general public encounters on account of an outside source, likewise called a ‘colonial power’. Post-pilgrim scholarly analysis is a valuable hypothetical device to investigate the fall of indigenous society as delineated in Chinua Achebe’s Things Fall Apart. Specifically, the hypothetical ideas of the procedure of colonization from the point of view of the colonized, the mental effect colonization has on the Igbo individuals, and the Indigenous protection from colonization are pertinent to the investigation of the fall of indigenous society in Achebe’s fundamental novel. We will compose a custom exposition test on Post-Colonial View on Things Fall Apart or then again any comparative point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page To start, colonization alludes to the demonstration of building up settlements. This is fundamentally done to extend the region of a specific country, increment their own asset flexibly, and find new assets in the land being won. Colonization may positively affect the colonizer, yet the procedure of colonization ordinarily influences the indigenous populace adversely. Colonization causes change, which generally appears as whatever the colonizer accepts to be right without considering the thoughts of the indigenous individuals who are now and again rewarded like domesticated animals. The more prominent the contrast between the colonizer and the colonized, the more noteworthy the change that happens from the point of view of the colonized. When a general public has been totally modified, the indigenous individuals not just start to encounter changes to their way of life, yet additionally an adjustment in the manner in which they see the world. The epic Things Fall Apart portrays the Igbo society when the British shows up. The initial segment of the novel arrangements with the inborn way of life of the Igbo individuals, which is the author’s method of indicating the way of life of the Igbo individuals from their own viewpoint. The Igbo individuals have been long time professionals of their confidence, with the cutting edge following the strides of their progenitors. Their way of life and perspective on the world stays unaltered until the British show up. During Okonkwo’s multi year oust from Umuofia, in addition to the fact that his owns town start to change, however the neighboring towns seem, by all accounts, to be changing too. Because of the innovative progressions happening in Europe, the Igbo individuals are vulnerable against the British preachers who show up, as clarified by the citation, â€Å"Have you heard, asked Obierika, ‘that Abame is no more? †¦ ‘Abame has been cleaned out,’ said Obierika (119). † The citation uncovers that the Igbo individuals are starting to understand that they should either adjust and acknowledge the outsiders or hazard turning out to be totally demolished like their individual tribesmen from the town of Abame. It is apparent that th e objective of the colonizer is to carry change to the country being involved, however these progressions frequently carry turmoil to the indigenous people’s lifestyle, which thus can modify the manner in which their general public capacities. Also, the mindset of the colonizer and the colonized vary fundamentally. While the colonizer accepts that he is getting human advancement to a general public which he regards â€Å"barbaric†, the indigenous individuals see the colonizers as a danger to their way of life and, all things considered, regularly look down on the convictions of the outsider. In the wake of carrying on with a specific way of life for an all-encompassing timeframe, an abrupt change in way of life anomalous wraps a general public all in all, yet the people who live in that society. The mental condition of the indigenous individuals declines because of the constrained thoughts of the colonizers blending in with their own, which can cause a fracture in their reasoning. A choice must be made in the long run; be that as it may, the colonizer commonly attempts his hardest to keep them from making what he accepts is the â€Å"wrong† choice. Despite the fact that the colonizer seems, by all accounts, to be helping the indigenous individuals, his actual expectations are everything except honest. Because of their mechanical drawbacks, the colonizers have a bit of leeway over the indigenous individuals, making the past existing individuals feel sabotaged. Much after the colonizers eave, the colonized individuals keep on bearing the scars deserted by the colonizers, as expressed by Hayes who contends that, â€Å"Post Colonial Theory perceives the injury coming about because of the distance of indigenous individuals from their own property, considerably subsequent to accomplishing independence† (Hayes). Colonization deserts perpetual mental harm, even long after autonomy has been acquired. In addition, the mental effect is additionally portrayed in Things Fall Apart. At the point when the teachers from Britain show up in Nigeria, the Igbo individuals are diverted from the outset when they direct observer a â€Å"white man†. Be that as it may, the one of the profound pioneers in the Igbo tribe who is known as the Oracle cautions the individuals that â€Å"the peculiar man would break their faction and spread obliteration among them (120). † This admonition hints the occasions that follow, and the Igbo individuals start to feel sub-par compared to the British colonizers subsequent to getting mindful of their ruinous abilities which were for the most part because of their mechanical headways. The ministers who show up likewise spread Christianity to the individuals. Those with power in Igbo society are not related with any of the early believers. In any case, the â€Å"osu† or pariahs rapidly join the new religion on the grounds that the way of life rehearsed by the Igbo don't acknowledge them, and they are along these lines effectively influenced by the expressions of the outsiders. Despite the fact that Okonkwo is a man of intensity in Igbo society, his child Nwoye is captivated by the proclaiming of the teachers. In the end, Nwoye chooses to cut his binds with his dad as clear in the accompanying trade, â€Å"How is your dad? Obierika asked, not comprehending what else to state. I don’t know. He isn't my dad, said Nwoye despondently (124). Colonization has affected the Igbo individuals adversely and their unique society has started to reduce, beginning in the second piece of the novel Things Fall Apart. At last, despite the fact that colonization may have mentally destabilized the indigenous perspective, there is frequently a bunch of people who solidly clutch their convictions paying little mind to the circ umstance. It is those individuals who regularly need to reestablish their country to the express that it was before being colonized. Because of their enthusiastic want to take their country back to its previous greatness, opposition against the oppressors is their approach to show their devotion. Shockingly, numerous types of opposition regularly bomb because of different reasons, with some being more preventable than others. One such explanation could be that brutality assumes an enormous job in battling against oppressors, which inevitably prompts either accomplishment to the indigenous individuals should they succeed, or cruel discipline on the off chance that they fall flat. The hazard figure included this is one that shouldn’t be seen at delicately and along these lines most of the colonized individuals don't effectively take part in obstruction. Thus, opposition doesn’t occur as regularly as it is arranged because of the hazard in question. Moreover, the indigenous individuals in Things Fall Apart endeavor to oppose the British both when they make their pilgrim nearness in Nigeria. Before the appearance of the British evangelists, a solitary man riding what the Igbo individuals called a â€Å"iron horse† shows up. Because of his peculiar appearance, the individuals in the family choose to murder the man, â€Å"†¦ and they executed the white man and attached his iron pony to their sacrosanct tree since it looked as though it would flee to call to man’s friends† (120). Before long, progressively British individuals start to settle in Nigeria and lecture their religion to the Igbo individuals. This occasion makes the British build up a pioneer nearness in Nigeria. Toward the finish of the novel, Okonkwo’s rage gives him a motivating force to begin a transformation by calling his kin to the commercial center. Okonkwo’s objective is to convince his kin to begin a war against the British, immovably accepting that his kin will tail him to battle the oppressors. After an ambassador shows up, Okonkwo chooses to start the battle, and effectively draws â€Å"first blood†. As Achebe composes, â€Å"That man was perhaps the best man in Umuofia. You drove him to execute himself; and now he will be covered like a dog† (178-179). This citation depicts Okonkwo’s disillusionment subsequent to understanding that his individual clansmen have changed, losing their feeling of enthusiasm en route. Taking everything into account, the focuses above represent the fall of indigenous society in Chinua Achebe’s Things Fall Apart utilizing post-provincial abstract analysis. Expansionism is normally seen as an occasion of the past. Notwithstanding, in spite of the fact that indications of expansionism are not as obvious in the cutting edge world, the eventual outcomes of a formerly colonized country keep on existing. For example, the Tutsi and Hutu clans from Rwanda were united as a result of the European colonizers. Preceding their appearance, the two clans could be viewed as two extraordinary, rival countries with an alternate arrangement of rules and culture. The political obliteration brought about by the Europeans because of their pilgrim nearness in Africa, â€Å"also included ethnic pressure and savagery because of imperialism exists becau

China’s Olympic Torch Controversy

In reality as we know it where media can put a glaring focus on specific occasions, activities done by conventional people increase more prominent consideration from others. The web further enhances the extent of these occasions since individuals from different nations can promptly recognize what's going on. This empowers them to make their own inferences in regards to the activities that were simply secured. Such is the situation of the debate encompassing the on-going Olympic Torch transfer. What should be an excursion that could advance harmony and comprehension among various societies has transformed into a disaster. Nonconformists have come in full power to upset this occasion. From Paris to London, the world needs to come to observe a few people attempting to snatch the Olympic Torch. The dissidents focused on this occasion as a scene to ventilate their suppositions with respect to China’s treatment of the turmoil that had ejected in Tibet a month ago where China sent its paramilitary powers to crackdown on the Tibetan nonconformists (â€Å"China’s View of the Olympic Torch†. 09 April 2008. TIME Magazine on the web). This has prompted fight calls from different divisions particularly in Western nations. Some fuss by requesting that China stop its ponderous treatment of nonconformists in Tibet while others like Hillary Clinton have requested that their administrations blacklist the Beijing Olympics opening functions as a solid objection to Beijing’s standing arrangement as to Tibet. This issue can be viewed as a major aspect of a long standing inquiry in worldwide relations (â€Å"Clinton urges Bush to blacklist Beijing Olympics†. 7 April 2008. Hurray News). The inquiry being, should people from different nations be associated with another country’s issues? To have the option to create a response to this inquiry, one must characterize the parameters for the terms people, inclusion and issues. On account of the people, there are two sorts that are relevant to this conversation. These are the private residents and the open authorities. The customary residents incorporate the individuals who attempt to upset the procedures by endeavoring to wrest the Olympic light and by showing the Tibetan banner are instances of what are known as private residents. Open authorities allude to legislators in different nations that are communicating their dispute over the strategies of different nations. Contribution is characterized here as the activities done by the recognized people. This may incorporate persuading, imploring or forcing authorities through such acts disturbing the occasions or by giving authorities articulations censuring the arrangements of the nation being referred to. Issues, because of space limitations and practicality, would be constrained to issues on human rights. This issue is one of the most significant purposes of dispute between Western nations particularly the United States and different countries, for example, China and Russia as of late. This paper contends that contribution in issues, for example, human rights ought to be constrained to the activities done by private residents and that open authorities should cease from giving authority explanations that reprimands the arrangements of different government’s with respect to human rights. For what reason is this so? In the event that one is to take a gander at the ongoing reputation of the US government with respect to the issue of human rights, one would discover adequate ammo to fire back to the US side of the fence. The all around archived scandalous instances of Abu Ghraib and Guantanamo jail camps feature the maltreatment that are additionally occurring inside the terrace of the United States. Proposals cases have driven a few authorities from both China and Russia to scrutinize the supposed twofold norms being drilled by the United States in its dealings with different nations. China and Russia regularly challenge the US claims made through legitimate State Department reports in regards to their particular human rights record (Cody A14). More or less, they contended that before the US issues such authority explanations it should initially make sure that its own home is all together. One could likewise think about the absence of adequacy of these official approaches these nations to change. It had just chafed them and their current strategies on human rights have not changed notwithstanding these rehashed calls. Additionally, these official proclamations have added to making dealings in other significant regions, for example, security and exchange considerably increasingly troublesome, best case scenario and profoundly quarrelsome at the very least. Presently on the off chance that one is to take part in inclusion, one can contend that it would be best left in the hands of private residents. This is justified for a few reasons. In a period where there have been various instances of human privileges of misuses, there is a conspicuous need to feature this specific issue. The private residents now are in the best situation to do it for two reasons. One is that they are not troubled by the names of lip service and ailing in moral position that have been joined to the US government in the consequence of its jail camps disaster. At the point when an individual like Steven Spielberg dissents by announcing himself inaccessible to be a specialized advisor for the Beijing Games he isn't marked as charlatan and his message is conveyed to people in general. Two, private residents who display contribution; particularly as sensational types of fights can get their much wanted media mileage. They subsequently determine open compassion toward their particular causes too. One could refer to the instance of Olympic medalist Sebastian Coe who was mistreated by the paramilitary powers alloted by Beijing to ensure the Olympic torch(â€Å"China’s View of the Olympic Torch†. April 2008. TIME Magazine on the web). The episode including him created significant media consideration on the dissent against the Chinese government’s activity on Tibet while not bringing on any immediate issues among government authorities. The fights done by standard residents whenever conveyed by significant news outfits can cre ate support from around the globe without precisely obliging their administrations to give authorities explanations that can unfavorably influence quick and long haul associations with nations whose approaches are being addressed.

72 Personal Finance Tips That Will Change the Way You Think About Money

72 Personal Finance Tips That Will Change the Way You Think About Money “Financial peace isnt the acquisition of stuff. Its learning to live on less than you make, so you can give money back and have money to invest. You cant win until you do this.” Dave Ramsey (American financial writer, radio and television host)Ask most people the first thing that comes to their mind when the word money gets spoken and youll get a bunch of different answers.To some its a means a better house, financially stable future, and college education. To another person, it may bring up images of success, travel, and freedom.Others may simply define it as being debt-free.No matter what your view on money is, we all have our own personal definition of it based on our experiences, upbringing, and influences.USE MONEY AS A MEANS, NOT A GOALThe Richest Man in Babylon was a book by George S. Clason that described money as a tool for producing even more money. In the book, the main protagonist quoted, Every gold piece you save is a slave to work for you. Every copper it earns is its child that can also earn for you.What does this mean?If you think about it, George Clason was explaining the core concept of Investing.He wanted us to see money not as a by-product of our labor, but as an employee that works for us and makes us money.Some people call it Passive Income, while some might say its Compound Interest. Both are correct as they incorporate the use of capital money to earn more money.Why are we not utilizing this great tool?Even the great scientist Albert Einstein once said that Compound Interest is one of the greatest invention in human history.While technically a man of science, he acknowledges this financial concept to be a powerful formula that every man should be made aware of.1. Open a high-yield savings accountA typical savings account offers an interest rate around 0.01%, and a typical checking account is the digital equivalent of putting your money under the mattress.However, high-yield checking and saving offer interest rates that exceed 1% â€" 100 times what youd get otherwise.This report from CNBC reveals how much a high-yield savings account performs compared to traditional checking account.2. Develop streams of passive incomeCreating any streams of passive income requires an investment upfront, whether of your time or money, but can lead to huge payoffs later.3. Store it in retirement accountsSave as much as possible to have your money work for you tax-efficiently and to get money in the markets.4. Rent out your stuffGet creative here. If you have some space or equipment that others don’t have, they might be willing to pay for it and rent it out.5. Invest it in the MarketTake the opportunity of stock growth. For example, you can buy dividend stocks as these generally provide great returns for your money. Shareholders reward you for investing your money with them through the form of dividends.This 2016 study on the Financial Analysts Journal concluded that high-dividend-yield portfolios, which consistently offer the least risk, provide an annual average dividend yield of 4.3%6. Choose your Credit Cards WiselyCredit cards are usually thought of simply as electronic payment method. But real pros choose and use them primarily from the rewards that each card offers. Fly often? Get one that gives excellent bonuses for frequent flyer miles.7. Silence is GoldenIf managing day-to-day business operations is not your cup of tea, why not stay behind in the shadows and become a silent business partner?This will mean that your main contribution will be funding the business so you dont have to involve yourself and spend time being an active owner.8. Real Estate InvestingIf you have the capital to back it up, investing in real estate can turn out to be a very profitable venture.You can buy properties at a discount then flip it later for instant revenue.9. Get CertifiedOften times, the big bucks are just a couple of certification away from your reach.With the right certification and degrees, youre opening your self to more high-paying jobs.Spend money to earn more skills.10. Rent out your stuffGet creative here. If you have some space or equipment that others don’t have, they might be willing to pay for it and rent it out.11. Lend money to your peerPeer to Peer Lending works by allowing you (Lender) to lend money to individuals or businesses for the sole purpose of interest.The rates of interest you can gain versus banks is quite significant, and websites like Lending Club makes the process easier and generally more safe than through traditional setting.12. Crowdfunded Real EstateIf youre familiar with how mutual funds work, then youll easily get the idea behind Crowdfunded Real Estate.This investment mechanism allows different investors such as yourself to pool your money in order to buy or renovate real estate properties.And just like with P2P, youre revenue will come from interest gained through your initial capital. 13. Ad Space RentalDid you know that you can have your car plastere d with ads and get paid for it? Easy money huh? Or lets say you live in the city in an area where theres constant foot traffic?Maximize your space and rent it out for ad space, squeeze some extra money virtually doing nothing.14. Cryptocurrency MiningYou probably heard about it. Bitcoin and other types of these Cryptocurrencies. Depending how tech-savvy you are, you just might find something of value out of these new digital money that people have been talking about for years.But before you shell out your hard-earned cash to invest, always remember to do your due diligence first.15. Sell Digital ProductsDo you have an eye for photography? Passion for music? Know how to write eBooks?These are all excellent ways of earning money. If you have the eye for photography, you can sell your photos to sites like ShutterStock.If you have a book, you can sell it online through Amazon or your own website.16. Buy and Sell WebsitesMuch like regular, physical properties, you can buy and sell websit es.Sites like Flippa and Empire Flippers are online marketplaces where owners of existing websites post their sites for sale and show its stats (how much it earns, number of visitors, etc).You can buy it and assume ownership of that website income. Of course you can do it vice versa, build and sell your own website for profit.INCREASE YOUR EARNING POTENTIAL 17. Switch jobsIf you have been stuck in your job position in the last 2-3 years and dont see any chance of a promotion happening soon, it might be time to re-think your situation and open your mind to the idea of switching jobs.Who knows, youre current company just might re-negotiate your contract once they realize that you are very valuable to the company.18. Ask for a Pay RaiseRemember, you should never be embarrassed to request for a raise.Especially if you have proven your worth to the company and have given plenty of value in the last few years.Everyone deserves the right to be compensated accordingly.19. Do side gigsMake t he most out of your current skills by freelancing.A lot of freelance sites like UpWork and Freelancer serve as middlemen between clients and contractors (you) allowing you to earn by working on client projects. Freelancing is a very viable source of income so definitely check out this option.20. BloggingEver wondered why there are so many blogs out there? Because it pay good money, that is. You can earn from ads placed on your website or through affiliate links.There are millions of websites out there built solely for the purpose of affiliate marketing and the money these sites make in a month can be a great source of cash flow.21. Be a CoachDo you have the knack for guiding others? If you have a skill that you have tremendous expertise on, coaching is an incredibly rewarding endeavor that both earns you money and helps another person.Coaching does not need to be an always one-on-one experience, you can think of ways to systematize it (do it via website, apps, online, etc.) dependin g on the nature of your expertise.22. Tutor someoneSimilar to coaching but more focused on academic settings. Say youre good at math. You can set up teaching sessions in your area during the weekend or on your free hours.If you want a more structured approach, you can join a group like Kaplana corporation that provides educational services online.23. Set up and sell an online courseYou can go solo by building a website and audience, and then have them pay for premium online courses.Or you can sign up for Udemy or Skillshare and create your course and these sites will take care of dissemination and marketing.24. Temp JobsLike a summer job, applying as a temp allows you to earn extra money through a temporary gig for a defined period of time.Theres a lot of offices in need of temp services, you might want to check Craigslist or LinkedIn for openings.25. Tap your inner artistIf you have a bit of a creative side on you, try setting up shop online and use websites like Cargoh, Etsy, and others to sell them.26. Become a Tour GuideTourism is definitely a hot market right now. Take advantage of this and offer tour guide services around areas that you love and know by heart. Not only are you earning some bucks, youre also sharing the beautiful scenery and history of your favorite places.27. Offer your services to FiverrFiverr is a website that serves as an online bulletin board where clients posts tasks and people like you check it out and do it. Fiverr is popular because of the breadth of tasks that clients can request for:From hiring a virtual assistant to having someone visit your place to cook a meal. The possibilities are endless.28. Uber Around TownThey would not have been able to disrupt the transportation industry if not for their excellent business idea and execution.Uber and Lyft are great avenues of income, so if you have a few hours available you can try driving people around and earn some cash.29. Survey PaysWebsites like Survey Spot, Survey Savvy, Opinion Outpost, and others allow participants to take surveys and get paid for it.30. Build an AppIf you have the chops for programming, this is a potential life-changer. If successful, apps can have the potential to earn hundreds of thousands of dollars whether you choose to run it yourself or sell it.LEARN HOW TO BUDGET When people hear the word, Budget, several things come to mind. To some, its an action. Allocating a specific amount for a particular item or time frame.To some its a word to describe the relatively cheap amount they spent on something (travelling on a budget).But for our purposes, well use the formera verb for determining how we spend our money purchase things. The ultimate goal, however, is to control our spending so that we are allocating our resources correctly.31. Track it like a bossJust like how productivity coaches track their clients time to figure out why theyre not making use of it correctly, tracking how you spend each dollar lets you have a birds eye view on which purchases are eating up your finances.Some food take out last night, a new pair of sneakers last Sunday, a couple of movie ticketsyoull quickly have an idea where your money is being spent.Youll be surprised how most of your money goes into purchases that are spur-of-the-moment, and acknowledging this is the first step towards achieving your daily, weekly, and monthly goals.32. Change your perception about handling moneyMost of us have a specific reality when it comes to money.Some have a $30k/year reality, some have $50k/year, some have $100k/year. And there are some who make by $20k/year realty.These people, when they receive a surplus of money outside of their “reality”, tend to spend it quickly just so they can get back to their comfortable reality.Just take a look at all those lotto winners who go bankrupt a few years after getting their millions. As your money increases, so should your capacity to hold it.33. The 3-Category BudgetSet 3 categories that youd like to f ocus on tracking and budgeting. For example, clothes, food, utilities.Why do this?Because without it, you will focus on one thing only and then end up squandering money the same old way on other stuff.You might be doing all sorts of hypermiling techniques in your driving but upon getting home you still order take-out food a lot.34. Use your Credit Cards SmartlyCash tends to be harder to track. Naturally, you use credit cards as the next best alternative.Not only do cards give you the convenience of checking how much you’ve racked so far online, they also give out nice rewards to card holders.Be smart, pick the right credit card for you and use them wisely.35. Pay Yourself First In the seminal financial-wisdom book, “The Richest Man in Babylon”, the first lesson in acquiring and building wealth is to “Start thy Purse to Fattening.”By saving at least 10 percent of what we earn, we’re building up on capital that is necessary to start our ventures in investing and acquiring more wealth.To “Pay Yourself First” means putting importance in your future and opening yourself to opportunities of wealth-building.36. The 50/20/30 RuleThe 50/20/30 rule was popularized by the book, “All your Worth”, a book that focuses on simplicity as means to financial freedom. The author stresses that we should follow a formula to budgeting your money: 50 percent for necessities, 20 percent to long term savings, and 30 percent to lifestyle choices.This gives you a simple framework on how you should budget your income.37. Make use of Online Apps and ToolsThe popularity of smartphone apps and services like Mint, Acorns, and Venmo is proof that people need a tool to make the process of budgeting easier. Millions use these services.Most can link all your financial reports seamlessly which gives you a starting point for properly managing your finances.38. Smart Shopping is KeyWhen shopping for items, be it groceries or clothes, making lists and sticking to it is a time-test ed way of staying out of spur-of-the-moment purchases.Best to buy stuff alone as well, as it prevents peer pressure and spending way more time than usual.39. Buy stuff in bulkMore often than not, buying stuff in bulk is a good way of saving some money. If you compare retail prices versus wholesale, it’s a significant difference.Plus, it saves you the hassle of additional trips back to the supermarket.If the item is something that you or your family use on a daily basis, be smart, buy those in bulk and save some cash.40. Discounted Gift CardsWhen used properly, gift cards are a quick way of getting more from your bucks. Say you always buy from a specific store. Instead of dropping by on a weekday, go online first and try to see if they have any discounted gift cards available. Most shops offer these and it’s not uncommon to slash 10 to 20 percent off the regular price.41. Move Closer to your JobThis paper featured on the World Leisure Journal revealed that people with the longest commutes have the lowest overall satisfaction with life.Time is money, the old adage goes. And spending hours on commute to and from work is definitely costing you more than you think.If your work is closer, you can sleep more hours or allot it for personal development projects and family since you don’t have to set aside an hour or two for commute.Plus, it saves you money. Say goodbye to expensive cab fare or train and bus tickets. It’s one of the best hacks you can do to improve your life.42. Find a cheaper gym membershipThere’s nothing wrong with taking care of your body. But why shell out expensive membership fees for that posh gym when you can have almost the same services in a regular gym at a much lower cost?43. Downsize your house or move to a new areaOkay, this is a biggie. But with all things considered and the proper due diligence, getting a smaller house can be a highly rewarding move in terms of financial value.If you’re living in a city with a very high cost o f living and can barely afford your payments, strongly consider downsizing and moving to a different location. Who knows, it might turn out to be the best financial move you ever made.44. Lose the bad habitsSpending money on stuff than can kill you like alcohol and cigarettes should be immediately dropped. Others that are “less harmful”, like junk food or going out too much should also be re-considered.You may not notice it, but if you start tracking your spending you’ll be quickly be made aware that those typical night outs cost you $200 to $400 any given month.We’re not saying to completely cut them off, just make an effort to be more conscious with these types of expenses.45. Get Rid of Unused SubscriptionsAny paid service that you signed up for and paying for on a monthly basis should only be for content that you actually use.Too busy to watch Netflix or cable TV? Drop them.Online magazine subscriptions that you rarely have time or energy to read? Cancel them.If you’re not listening to Pandora or Audible regularly, you should consider closing your account completely.All these things drain money from your pockets on a monthly basis, so if you’re serious in having complete financial freedom, a little reflection and discipline on these types of things should be made.PAY OFF YOUR DEBTGetting off debt is a crucial step in a financially-successful life.There are methods and ways that can help you accomplish this and the following tips are a good place to start.46. Automate your PaymentsKeeping things automated saves you time, money and prevents headaches later when you realize you forgot to pay up on time again.47. Debt Avalanche and Debt Snowball TechniquesHave you heard about debt avalanche and debt snowball? These two are great ways of how to repay your debt and thousands of people swear by it.48. Setting up MilestonesStudies show that rewarding yourself upon hitting specific milestones reinforces the habit. It’s your way of giving back to yours elf for a job well done. Small wins will all add up until you conquer debt completely.49. Throw your plastic, use cashDoing this makes us think twice before we spend our hard-earned money. Think about it, it’s so easy to go online and order stuff right? Because everythings meant to be that way, from a seller’s standpoint.The less friction there is on the transaction, the more willing customers will be to buy stuff. By using cash as your mail means of payment, you are generating more transactional friction which may lead to less purchases due to inconvenience.50. Cancel Unused subscriptionsHave a Netflix subscription but only using it twice a week because your super busy? Pandora, Spotify, Audible, Cable TVtake a good hard look if you’re really maximizing your subscriptions and if not, consider ditching them to save money and use it to pay your debt instead.51. Eat your vegetables firstOur mothers always tell us that dessert will only be served once you’ve had your vegetables . Similar to paying off debt, we should delay any form of gratification for now until we finish off our responsibilities.52. Track your spendingHaving data on how much you’re actually spending on a daily basis is good. It gives you an accurate idea on the stuff that you spend money on.With this data, you’ll be able to determine which purchases can be trimmed or cut-off completely to make way for debt payments instead.53. Dont Keep Up with the JonesesComparing your situation to others will only make you miserable. It’s not a catch-up game.Be content with what you have right now and focus your efforts on paying your debt first.Keeping up with the lifestyle of others might be the very reason why you’re in debt right now.54. Downsize your homeIt’s not a bad thing. It’s realizing the essentials and determining what you can live without. In a way, your focusing on things that are truly important and clear out all unnecessary clutter as well.It’s incredibly liberating and wil l save you tons of money.55. Do some side jobsThe more income you have, the faster you can get out of debt. So instead of spending hours on social media everyday, learn a new skill or two and do side jobs instead.It’s much more rewarding and can even turn into something much more rewarding in the long run.56. Wait for prices to go downProducts like gadgets and smartphones typically go down in price in 6 months. I personally wait for year before buying stuff as it dramatically brings the price down versus when it first came out.Sure, it’s no longer “fresh”.But through this way was I able to buy last year’s flagship products at 30 to 40% off.57. Track expensive spending Or be more mindful of your habitual expensive purchases.For example, it might seem automatic for you to go out every Friday and spend the night with a fancy dinner and some drinks later.Sure, you deserve it after a stressful week. But you should at least consider cutting back on these types of expenses if you ’re in debt. You can find less-expensive yet fun ways to spend your weekends.58. Downgrade your phoneIf you’re one of those people looking to snag the latest iPhone every yearyou should stop if you’re in debt.There are a ton of great options out there who offer almost the same features but at less than half the price of flagship devices.Sometimes you have to ask yourself if you really need to have the most expensive phones.59. Save before you spendWhen you get your paycheck, set aside something for debt first, then allocate the rest for the month’s budget. This way, you can ensure you will always have money to pay your debt.60. Don’t buy a new carIf you need to buy a car, seriously consider buying a used model but with an excellent track record. You’ll be able to save a lot of money by buying second hand stuff.PREPARING FOR RETIREMENTSaving for a worry-free future is a must. After all, who would want to dedicate a good portion of their lives working only to be met with a retirement life that is dependent on others?That’s not a good way to spend the later part of your adult life. It should be spend doing the things you have planned to do, life projects that you never had the time to tackle, spending time with family and friendsthe good stuff. It should not be spent worrying how to make it through the next day.61. Teach yourself to SaveAutomating your savings is the first step. It removes the hassles of setting aside money on a regular basis. It makes the whole process easier.Have it deducted from your paycheck right away so that you’ll “no longer see” the saved portion and adjust your spending with the remaining money. This is a proven method of saving consistently.62. Save at least 10%Ideally, you should save at least 10% of what you make per year. If you start at around the age of 30, you’ll theoretically have enough for your 60s.63. Choose your investmentsGet financial education so you can have a good mix of investments with a stable ra te of return.Sure, saving your money in the bank is better than not saving at all, but you’re missing out on tremendous passive-earning power if you don’t delve into other investment vehicles.64. Dont spend your time over-analyzing the marketDecide on an investment strategy and allot just enough time on your schedule to check on it every once in a while.You’re not a day trader, you’re investing your money for retirement and it’s not money that you should be playing with around.65. Clear your debtPaying off all your debts is a critical step for having healthy financials by the time you retire. Remember, the more debt you have, the less money you’ll be able to set aside for retirement.66. Consider a Roth IRAA Roth IRA is a good way of saving for retirement. It’s appealing to adults aged 30 or more because it’s a flexible way of saving. It allows withdrawals without the tax and penalties at any given time.67. Ask for a raiseIt’s time to get paid what you’re worth. C heck sites like Glassdoor and Payscale to get an idea how much is the going rate for your job.Even a couple of percentages increase in salary helps a lot to fight inflation and increase your potential savings.68. Be on the same pageIt’s important that you and your spouse are on the same page in terms of financials. Lifestyle, retirement, the kids educationeverything. It’s no use if only the other half is doing their due diligence to be financially stable.Talk things out and work together towards the same goals.69. Utilize employee benefitsMost companies offer great employee benefits. Insurance benefits for disability, life, and health. If they don’t have everything, you should still consider paying for them simply because of their value.70. Catch up contributionsIf you’re over 50 and have not saved enough in your 401k, don’t fret. People aged 50 and above are eligible to contribute beyond the normal 401k limits.This will allow you to save more for the remaining employee ye ars you have and be better prepared for retirement.This excellent article from Investopedia offers strong points why catch up contributions are a must.71. Get a financial advisorIf financial stuff is simply too time-consuming or difficult for you, don’t worry, you can always get professional help.By hiring an adviser, you can educate yourself money-wise and be exposed to more financial vehicles to save for retirement.72. Set a goalBy setting a clear goal, you’re giving yourself an actual target that you can pursue and measure your progress against.This will make saving easier because you’ll have data to look at to determine if you’re on schedule with your goals.

72 Personal Finance Tips That Will Change the Way You Think About Money

72 Personal Finance Tips That Will Change the Way You Think About Money “Financial peace isnt the acquisition of stuff. Its learning to live on less than you make, so you can give money back and have money to invest. You cant win until you do this.” Dave Ramsey (American financial writer, radio and television host)Ask most people the first thing that comes to their mind when the word money gets spoken and youll get a bunch of different answers.To some its a means a better house, financially stable future, and college education. To another person, it may bring up images of success, travel, and freedom.Others may simply define it as being debt-free.No matter what your view on money is, we all have our own personal definition of it based on our experiences, upbringing, and influences.USE MONEY AS A MEANS, NOT A GOALThe Richest Man in Babylon was a book by George S. Clason that described money as a tool for producing even more money. In the book, the main protagonist quoted, Every gold piece you save is a slave to work for you. Every copper it earns is its child that can also earn for you.What does this mean?If you think about it, George Clason was explaining the core concept of Investing.He wanted us to see money not as a by-product of our labor, but as an employee that works for us and makes us money.Some people call it Passive Income, while some might say its Compound Interest. Both are correct as they incorporate the use of capital money to earn more money.Why are we not utilizing this great tool?Even the great scientist Albert Einstein once said that Compound Interest is one of the greatest invention in human history.While technically a man of science, he acknowledges this financial concept to be a powerful formula that every man should be made aware of.1. Open a high-yield savings accountA typical savings account offers an interest rate around 0.01%, and a typical checking account is the digital equivalent of putting your money under the mattress.However, high-yield checking and saving offer interest rates that exceed 1% â€" 100 times what youd get otherwise.This report from CNBC reveals how much a high-yield savings account performs compared to traditional checking account.2. Develop streams of passive incomeCreating any streams of passive income requires an investment upfront, whether of your time or money, but can lead to huge payoffs later.3. Store it in retirement accountsSave as much as possible to have your money work for you tax-efficiently and to get money in the markets.4. Rent out your stuffGet creative here. If you have some space or equipment that others don’t have, they might be willing to pay for it and rent it out.5. Invest it in the MarketTake the opportunity of stock growth. For example, you can buy dividend stocks as these generally provide great returns for your money. Shareholders reward you for investing your money with them through the form of dividends.This 2016 study on the Financial Analysts Journal concluded that high-dividend-yield portfolios, which consistently offer the least risk, provide an annual average dividend yield of 4.3%6. Choose your Credit Cards WiselyCredit cards are usually thought of simply as electronic payment method. But real pros choose and use them primarily from the rewards that each card offers. Fly often? Get one that gives excellent bonuses for frequent flyer miles.7. Silence is GoldenIf managing day-to-day business operations is not your cup of tea, why not stay behind in the shadows and become a silent business partner?This will mean that your main contribution will be funding the business so you dont have to involve yourself and spend time being an active owner.8. Real Estate InvestingIf you have the capital to back it up, investing in real estate can turn out to be a very profitable venture.You can buy properties at a discount then flip it later for instant revenue.9. Get CertifiedOften times, the big bucks are just a couple of certification away from your reach.With the right certification and degrees, youre opening your self to more high-paying jobs.Spend money to earn more skills.10. Rent out your stuffGet creative here. If you have some space or equipment that others don’t have, they might be willing to pay for it and rent it out.11. Lend money to your peerPeer to Peer Lending works by allowing you (Lender) to lend money to individuals or businesses for the sole purpose of interest.The rates of interest you can gain versus banks is quite significant, and websites like Lending Club makes the process easier and generally more safe than through traditional setting.12. Crowdfunded Real EstateIf youre familiar with how mutual funds work, then youll easily get the idea behind Crowdfunded Real Estate.This investment mechanism allows different investors such as yourself to pool your money in order to buy or renovate real estate properties.And just like with P2P, youre revenue will come from interest gained through your initial capital. 13. Ad Space RentalDid you know that you can have your car plastere d with ads and get paid for it? Easy money huh? Or lets say you live in the city in an area where theres constant foot traffic?Maximize your space and rent it out for ad space, squeeze some extra money virtually doing nothing.14. Cryptocurrency MiningYou probably heard about it. Bitcoin and other types of these Cryptocurrencies. Depending how tech-savvy you are, you just might find something of value out of these new digital money that people have been talking about for years.But before you shell out your hard-earned cash to invest, always remember to do your due diligence first.15. Sell Digital ProductsDo you have an eye for photography? Passion for music? Know how to write eBooks?These are all excellent ways of earning money. If you have the eye for photography, you can sell your photos to sites like ShutterStock.If you have a book, you can sell it online through Amazon or your own website.16. Buy and Sell WebsitesMuch like regular, physical properties, you can buy and sell websit es.Sites like Flippa and Empire Flippers are online marketplaces where owners of existing websites post their sites for sale and show its stats (how much it earns, number of visitors, etc).You can buy it and assume ownership of that website income. Of course you can do it vice versa, build and sell your own website for profit.INCREASE YOUR EARNING POTENTIAL 17. Switch jobsIf you have been stuck in your job position in the last 2-3 years and dont see any chance of a promotion happening soon, it might be time to re-think your situation and open your mind to the idea of switching jobs.Who knows, youre current company just might re-negotiate your contract once they realize that you are very valuable to the company.18. Ask for a Pay RaiseRemember, you should never be embarrassed to request for a raise.Especially if you have proven your worth to the company and have given plenty of value in the last few years.Everyone deserves the right to be compensated accordingly.19. Do side gigsMake t he most out of your current skills by freelancing.A lot of freelance sites like UpWork and Freelancer serve as middlemen between clients and contractors (you) allowing you to earn by working on client projects. Freelancing is a very viable source of income so definitely check out this option.20. BloggingEver wondered why there are so many blogs out there? Because it pay good money, that is. You can earn from ads placed on your website or through affiliate links.There are millions of websites out there built solely for the purpose of affiliate marketing and the money these sites make in a month can be a great source of cash flow.21. Be a CoachDo you have the knack for guiding others? If you have a skill that you have tremendous expertise on, coaching is an incredibly rewarding endeavor that both earns you money and helps another person.Coaching does not need to be an always one-on-one experience, you can think of ways to systematize it (do it via website, apps, online, etc.) dependin g on the nature of your expertise.22. Tutor someoneSimilar to coaching but more focused on academic settings. Say youre good at math. You can set up teaching sessions in your area during the weekend or on your free hours.If you want a more structured approach, you can join a group like Kaplana corporation that provides educational services online.23. Set up and sell an online courseYou can go solo by building a website and audience, and then have them pay for premium online courses.Or you can sign up for Udemy or Skillshare and create your course and these sites will take care of dissemination and marketing.24. Temp JobsLike a summer job, applying as a temp allows you to earn extra money through a temporary gig for a defined period of time.Theres a lot of offices in need of temp services, you might want to check Craigslist or LinkedIn for openings.25. Tap your inner artistIf you have a bit of a creative side on you, try setting up shop online and use websites like Cargoh, Etsy, and others to sell them.26. Become a Tour GuideTourism is definitely a hot market right now. Take advantage of this and offer tour guide services around areas that you love and know by heart. Not only are you earning some bucks, youre also sharing the beautiful scenery and history of your favorite places.27. Offer your services to FiverrFiverr is a website that serves as an online bulletin board where clients posts tasks and people like you check it out and do it. Fiverr is popular because of the breadth of tasks that clients can request for:From hiring a virtual assistant to having someone visit your place to cook a meal. The possibilities are endless.28. Uber Around TownThey would not have been able to disrupt the transportation industry if not for their excellent business idea and execution.Uber and Lyft are great avenues of income, so if you have a few hours available you can try driving people around and earn some cash.29. Survey PaysWebsites like Survey Spot, Survey Savvy, Opinion Outpost, and others allow participants to take surveys and get paid for it.30. Build an AppIf you have the chops for programming, this is a potential life-changer. If successful, apps can have the potential to earn hundreds of thousands of dollars whether you choose to run it yourself or sell it.LEARN HOW TO BUDGET When people hear the word, Budget, several things come to mind. To some, its an action. Allocating a specific amount for a particular item or time frame.To some its a word to describe the relatively cheap amount they spent on something (travelling on a budget).But for our purposes, well use the formera verb for determining how we spend our money purchase things. The ultimate goal, however, is to control our spending so that we are allocating our resources correctly.31. Track it like a bossJust like how productivity coaches track their clients time to figure out why theyre not making use of it correctly, tracking how you spend each dollar lets you have a birds eye view on which purchases are eating up your finances.Some food take out last night, a new pair of sneakers last Sunday, a couple of movie ticketsyoull quickly have an idea where your money is being spent.Youll be surprised how most of your money goes into purchases that are spur-of-the-moment, and acknowledging this is the first step towards achieving your daily, weekly, and monthly goals.32. Change your perception about handling moneyMost of us have a specific reality when it comes to money.Some have a $30k/year reality, some have $50k/year, some have $100k/year. And there are some who make by $20k/year realty.These people, when they receive a surplus of money outside of their “reality”, tend to spend it quickly just so they can get back to their comfortable reality.Just take a look at all those lotto winners who go bankrupt a few years after getting their millions. As your money increases, so should your capacity to hold it.33. The 3-Category BudgetSet 3 categories that youd like to f ocus on tracking and budgeting. For example, clothes, food, utilities.Why do this?Because without it, you will focus on one thing only and then end up squandering money the same old way on other stuff.You might be doing all sorts of hypermiling techniques in your driving but upon getting home you still order take-out food a lot.34. Use your Credit Cards SmartlyCash tends to be harder to track. Naturally, you use credit cards as the next best alternative.Not only do cards give you the convenience of checking how much you’ve racked so far online, they also give out nice rewards to card holders.Be smart, pick the right credit card for you and use them wisely.35. Pay Yourself First In the seminal financial-wisdom book, “The Richest Man in Babylon”, the first lesson in acquiring and building wealth is to “Start thy Purse to Fattening.”By saving at least 10 percent of what we earn, we’re building up on capital that is necessary to start our ventures in investing and acquiring more wealth.To “Pay Yourself First” means putting importance in your future and opening yourself to opportunities of wealth-building.36. The 50/20/30 RuleThe 50/20/30 rule was popularized by the book, “All your Worth”, a book that focuses on simplicity as means to financial freedom. The author stresses that we should follow a formula to budgeting your money: 50 percent for necessities, 20 percent to long term savings, and 30 percent to lifestyle choices.This gives you a simple framework on how you should budget your income.37. Make use of Online Apps and ToolsThe popularity of smartphone apps and services like Mint, Acorns, and Venmo is proof that people need a tool to make the process of budgeting easier. Millions use these services.Most can link all your financial reports seamlessly which gives you a starting point for properly managing your finances.38. Smart Shopping is KeyWhen shopping for items, be it groceries or clothes, making lists and sticking to it is a time-test ed way of staying out of spur-of-the-moment purchases.Best to buy stuff alone as well, as it prevents peer pressure and spending way more time than usual.39. Buy stuff in bulkMore often than not, buying stuff in bulk is a good way of saving some money. If you compare retail prices versus wholesale, it’s a significant difference.Plus, it saves you the hassle of additional trips back to the supermarket.If the item is something that you or your family use on a daily basis, be smart, buy those in bulk and save some cash.40. Discounted Gift CardsWhen used properly, gift cards are a quick way of getting more from your bucks. Say you always buy from a specific store. Instead of dropping by on a weekday, go online first and try to see if they have any discounted gift cards available. Most shops offer these and it’s not uncommon to slash 10 to 20 percent off the regular price.41. Move Closer to your JobThis paper featured on the World Leisure Journal revealed that people with the longest commutes have the lowest overall satisfaction with life.Time is money, the old adage goes. And spending hours on commute to and from work is definitely costing you more than you think.If your work is closer, you can sleep more hours or allot it for personal development projects and family since you don’t have to set aside an hour or two for commute.Plus, it saves you money. Say goodbye to expensive cab fare or train and bus tickets. It’s one of the best hacks you can do to improve your life.42. Find a cheaper gym membershipThere’s nothing wrong with taking care of your body. But why shell out expensive membership fees for that posh gym when you can have almost the same services in a regular gym at a much lower cost?43. Downsize your house or move to a new areaOkay, this is a biggie. But with all things considered and the proper due diligence, getting a smaller house can be a highly rewarding move in terms of financial value.If you’re living in a city with a very high cost o f living and can barely afford your payments, strongly consider downsizing and moving to a different location. Who knows, it might turn out to be the best financial move you ever made.44. Lose the bad habitsSpending money on stuff than can kill you like alcohol and cigarettes should be immediately dropped. Others that are “less harmful”, like junk food or going out too much should also be re-considered.You may not notice it, but if you start tracking your spending you’ll be quickly be made aware that those typical night outs cost you $200 to $400 any given month.We’re not saying to completely cut them off, just make an effort to be more conscious with these types of expenses.45. Get Rid of Unused SubscriptionsAny paid service that you signed up for and paying for on a monthly basis should only be for content that you actually use.Too busy to watch Netflix or cable TV? Drop them.Online magazine subscriptions that you rarely have time or energy to read? Cancel them.If you’re not listening to Pandora or Audible regularly, you should consider closing your account completely.All these things drain money from your pockets on a monthly basis, so if you’re serious in having complete financial freedom, a little reflection and discipline on these types of things should be made.PAY OFF YOUR DEBTGetting off debt is a crucial step in a financially-successful life.There are methods and ways that can help you accomplish this and the following tips are a good place to start.46. Automate your PaymentsKeeping things automated saves you time, money and prevents headaches later when you realize you forgot to pay up on time again.47. Debt Avalanche and Debt Snowball TechniquesHave you heard about debt avalanche and debt snowball? These two are great ways of how to repay your debt and thousands of people swear by it.48. Setting up MilestonesStudies show that rewarding yourself upon hitting specific milestones reinforces the habit. It’s your way of giving back to yours elf for a job well done. Small wins will all add up until you conquer debt completely.49. Throw your plastic, use cashDoing this makes us think twice before we spend our hard-earned money. Think about it, it’s so easy to go online and order stuff right? Because everythings meant to be that way, from a seller’s standpoint.The less friction there is on the transaction, the more willing customers will be to buy stuff. By using cash as your mail means of payment, you are generating more transactional friction which may lead to less purchases due to inconvenience.50. Cancel Unused subscriptionsHave a Netflix subscription but only using it twice a week because your super busy? Pandora, Spotify, Audible, Cable TVtake a good hard look if you’re really maximizing your subscriptions and if not, consider ditching them to save money and use it to pay your debt instead.51. Eat your vegetables firstOur mothers always tell us that dessert will only be served once you’ve had your vegetables . Similar to paying off debt, we should delay any form of gratification for now until we finish off our responsibilities.52. Track your spendingHaving data on how much you’re actually spending on a daily basis is good. It gives you an accurate idea on the stuff that you spend money on.With this data, you’ll be able to determine which purchases can be trimmed or cut-off completely to make way for debt payments instead.53. Dont Keep Up with the JonesesComparing your situation to others will only make you miserable. It’s not a catch-up game.Be content with what you have right now and focus your efforts on paying your debt first.Keeping up with the lifestyle of others might be the very reason why you’re in debt right now.54. Downsize your homeIt’s not a bad thing. It’s realizing the essentials and determining what you can live without. In a way, your focusing on things that are truly important and clear out all unnecessary clutter as well.It’s incredibly liberating and wil l save you tons of money.55. Do some side jobsThe more income you have, the faster you can get out of debt. So instead of spending hours on social media everyday, learn a new skill or two and do side jobs instead.It’s much more rewarding and can even turn into something much more rewarding in the long run.56. Wait for prices to go downProducts like gadgets and smartphones typically go down in price in 6 months. I personally wait for year before buying stuff as it dramatically brings the price down versus when it first came out.Sure, it’s no longer “fresh”.But through this way was I able to buy last year’s flagship products at 30 to 40% off.57. Track expensive spending Or be more mindful of your habitual expensive purchases.For example, it might seem automatic for you to go out every Friday and spend the night with a fancy dinner and some drinks later.Sure, you deserve it after a stressful week. But you should at least consider cutting back on these types of expenses if you ’re in debt. You can find less-expensive yet fun ways to spend your weekends.58. Downgrade your phoneIf you’re one of those people looking to snag the latest iPhone every yearyou should stop if you’re in debt.There are a ton of great options out there who offer almost the same features but at less than half the price of flagship devices.Sometimes you have to ask yourself if you really need to have the most expensive phones.59. Save before you spendWhen you get your paycheck, set aside something for debt first, then allocate the rest for the month’s budget. This way, you can ensure you will always have money to pay your debt.60. Don’t buy a new carIf you need to buy a car, seriously consider buying a used model but with an excellent track record. You’ll be able to save a lot of money by buying second hand stuff.PREPARING FOR RETIREMENTSaving for a worry-free future is a must. After all, who would want to dedicate a good portion of their lives working only to be met with a retirement life that is dependent on others?That’s not a good way to spend the later part of your adult life. It should be spend doing the things you have planned to do, life projects that you never had the time to tackle, spending time with family and friendsthe good stuff. It should not be spent worrying how to make it through the next day.61. Teach yourself to SaveAutomating your savings is the first step. It removes the hassles of setting aside money on a regular basis. It makes the whole process easier.Have it deducted from your paycheck right away so that you’ll “no longer see” the saved portion and adjust your spending with the remaining money. This is a proven method of saving consistently.62. Save at least 10%Ideally, you should save at least 10% of what you make per year. If you start at around the age of 30, you’ll theoretically have enough for your 60s.63. Choose your investmentsGet financial education so you can have a good mix of investments with a stable ra te of return.Sure, saving your money in the bank is better than not saving at all, but you’re missing out on tremendous passive-earning power if you don’t delve into other investment vehicles.64. Dont spend your time over-analyzing the marketDecide on an investment strategy and allot just enough time on your schedule to check on it every once in a while.You’re not a day trader, you’re investing your money for retirement and it’s not money that you should be playing with around.65. Clear your debtPaying off all your debts is a critical step for having healthy financials by the time you retire. Remember, the more debt you have, the less money you’ll be able to set aside for retirement.66. Consider a Roth IRAA Roth IRA is a good way of saving for retirement. It’s appealing to adults aged 30 or more because it’s a flexible way of saving. It allows withdrawals without the tax and penalties at any given time.67. Ask for a raiseIt’s time to get paid what you’re worth. C heck sites like Glassdoor and Payscale to get an idea how much is the going rate for your job.Even a couple of percentages increase in salary helps a lot to fight inflation and increase your potential savings.68. Be on the same pageIt’s important that you and your spouse are on the same page in terms of financials. Lifestyle, retirement, the kids educationeverything. It’s no use if only the other half is doing their due diligence to be financially stable.Talk things out and work together towards the same goals.69. Utilize employee benefitsMost companies offer great employee benefits. Insurance benefits for disability, life, and health. If they don’t have everything, you should still consider paying for them simply because of their value.70. Catch up contributionsIf you’re over 50 and have not saved enough in your 401k, don’t fret. People aged 50 and above are eligible to contribute beyond the normal 401k limits.This will allow you to save more for the remaining employee ye ars you have and be better prepared for retirement.This excellent article from Investopedia offers strong points why catch up contributions are a must.71. Get a financial advisorIf financial stuff is simply too time-consuming or difficult for you, don’t worry, you can always get professional help.By hiring an adviser, you can educate yourself money-wise and be exposed to more financial vehicles to save for retirement.72. Set a goalBy setting a clear goal, you’re giving yourself an actual target that you can pursue and measure your progress against.This will make saving easier because you’ll have data to look at to determine if you’re on schedule with your goals.

Horror, Effects, And Nationalism - 1076 Words

Horror, Effects, and Nationalism Today s horror came from the effects of nationalism that affects our country. Three themes in All Quiet on the Western Front are horror of war, effects on war on the soldier, and nationalism. World War I all started because of the assassination of Franz Ferdinand the archduke of Austria-Hungary. A group of alliances between major powers was blamed and went to war. All Quiet on the Western Front was about this teenager named Paul Baumer and several of his friends being enlisted into World War I at 19 years old and they all started on the front line. They experience harsh training for several weeks and became very complaisant to joining for their teacher. Paul’s friend Kemmerich gets his leg amputated and then died. Muller then received Kemmerich boots when he died. When Paul was sent home, he discovered that his mother was going to die from cancer. He also took up training by the Russian prison where they would play music for him at night and he would start to think about his home. When Paul returns back to his company he is removed from his friends and put into a shell hole, where he killed someone for the first time; not on purpose, but for his protection which made it the murder pertinent. His name was Gerard Duval, he was married and had one child, which he promised he would send a letter to and impute what he had done.After Paul returned, his company was sent on an easy assignment and him and Kropp both were sent to hospital trainShow MoreRelatedPeople Should Perceive War As An Unnecessary Diplomatic1203 Words   |  5 Pagesunnecessary diplomatic maneuver that simply scars all under its influence. The horrors of war are innumerable with each one determined to ruin the lives of soldiers, their families, and civilians. All Quiet on the Western Front displays this truth such that it awakens the most nationalistic warmonger. The barbarities of war can come in three forms: physical, mental, and through the aura of manipulation. The physical horrors include the gory combat wounds, the ghastly sights of corpses, blood, and annihilationRead MoreViews On Humanity. As The Human Race Evolves, Some Evolutions1661 Words   |  7 PagesAs the human race evolves, some evolutions are good while some are bad. The introduction of imperialism became a direct result of industrialization creating a race to expand empires. With the conflicts leading to World War I, humanity faced new horrors, as a result in new harsh tactics in fighting. Countries had evolved into alliances. Some alliances were public while some made in secret. Consequently, World War I destroyed empires and encouraged independence within Europe’s colonies. Germany isRead MoreThe Age Of Exploration : John Winthrop1546 Words   |  7 Pagesthese savages, there is a thing I cannot omit to remark to you, it is that it appears visibly that God wishes that they yield their place to new peoples.† (Crosby, Alfred W.) The Age of Exp loration, (and Exploitation) brought an era of racism, nationalism, and ideals of superiority to the New World. Initially a beneficial concept, promoting trade and discovery quickly took a turn for the worst following Columbus’ arrival to Hispaà ±ola. The arrival of Europeans brought the ideas of conquest and greedRead MoreThe Reversal Of Attitudes During World War One1491 Words   |  6 Pagesthoroughly rejected in its aftermath? Historians propose that nationalism was the driving force behind what urged nations, politicians, and other men and women to make this huge sacrifice. 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The Unsolved Income Achievement Gap - 1891 Words

The Unsolved Income Achievement Gap One of the most epidemic problems that greatly affects the American public education today is the economic inequality and the resulting gap of academic achievement between rich and poor public schools. The problem started to exacerbate especially in the last fifty years as the gap is still widening and continue to be unsolved. Of course, poor students who come from financially unfortunate families are the main sect that feels its impact the most. Greg Duncan and Katherine Magnuson, a distinguished professor in education and the latter has a Ph.D. in Human Development and Social Policy, have showed the strong relationship and the inevitable relevance between the academic achievement of students and their families’ income. They noted that poor students from the bottom ten percent of the socioeconomic classes have been recorded to score at around more than a standard deviation lower than those from the top quintile in math and reading (47). In 1965, it was the first attempt from the government to propose, yet an imperfect, solution to the problem by issuing the Elementary and Secondary Education Act (ESEA). Then in 1966, the Coleman Report had a major role in raising public opinion toward this issue and disclosing its real dimensions during the War on Poverty movement. Also, in order to understand the real size of this problem, we must consider all the major factors that contribute to this income achievement gap and its evolution over theShow MoreRelatedThe Issues Of Mexican Women2022 Words   |  9 Pagesdeclining of Gender inequality in Mexico, it continued to exist in many forms, including the unevenness in women representation and participation in politics, educational opportunities, the health care they can expect, their social standing, the gender pay gap, the high rates of domestic violence and femicide. 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Why Did Godse Killed Mahatma Gandhi - 720 Words

On January 30, 1948, Nathuram Godse assassinated Mahatma Gandhi by shooting him three times when Mahatma Gandhi was walking to evening prayers. Mahatma Gandhi headed the nonviolent fight for independence of India from British colonial rule. Why did Godse, someone who revered Mahatma Gandhi during the movement for Indias independence, murder Mahatma Gandhi? To understand the most popular explanation for why Godse assassinated Mahatma Gandhi, we need to understand the historical perspective of this event. The date of Mahatma Gandhi’s assassination was about five months after India’s independence and the partition of India. The partition was the separation of India into two countries based on religion. Pakistan was designated the country for†¦show more content†¦Another interesting aspect of Godses life that seems to be overlooked when explaining his motives for assassinating Mahatma Gandhi is Godses childhood experiences. Godse was brought up as a girl for several years until his younger brother was born. He even had a nose ring, which is called nath in Marathi. Even though his name at birth was Ramachandra, he was called Nathuram because of his nath. He was brought up in his early childhood as a girl since his parents had three sons who had died in infancy. In those days, the death of three sons in infancy was vie wed as a curse on sons. Since Godses parents were very traditional and religious, they raised Godse as a girl for a few years to lift the assumed curse. None of the sources list the age at which Godse’s parents started treating him as a boy, but it was before he turned nine years old because Godse was nine years old when his second brother who lived into adulthood was born. Godse’s experience as a girl in his early years must have had a significant impact on his personality. Sigmund Freud’s psychosexual stages of development can be utilized to at partly explain Godse’s personality and later behaviors. Godse’s personality development was probably most affected during the phallic stage of Freud’s psychosexual stages. The phallic stage occurs between when a child is between the ages of 3 and 6 and children in this stage deal with masturbation andShow MoreRelatedSpeech by Nathuram Godse in the Court (Assassinated Mahatma Gandhi)2421 Words   |à ‚  10 PagesJANUARY 30th, 1949 - The Mahatma was assassinated by a man called Naturam Godse. After he shot him, instead of running away, he stood his ground and surrounded. He said, No one should think that Gandhi was killed by a madman One of the best speeches of All time, which is compared to Socratess speech in his trial. 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The act had shocked many Indians, but apparently it had the approval of some. According to one news report, the jailed assassin, Nathuram Godse, received an average of 50 letters a day expressing admiration for his action. This was part of a much wider right-wing, religious, reaction against Partition. Hindu and Sikh refugees