Introduction To The Crap Analysis English Language Essay

Introduction To The Crap Analysis English Language Essay The year 2012, marks a pivotal moment in world history. As foretold by Nostradamus, the world may end soon and very soon, we have to account for the worlds resources as its temporary caretakers. Ever since those predictions, the accountant has tracked every aspect of barter and of life. How much tea was dumped during the Boston Tea Party? How many limestone blocks were used in the first pyramid? What was the percentage of gross domestic product loss to England because of the destruction of its exports? What was the logistics strategy that causes all to want to walk like an Egyptian? The accountant has numerated and worked these questions and so many more over time. Yet we, like those before us are still burdened with CRAP. From the forensic accountant to the in home accountant also known as mom, all have counted and fell short. CRAP, in my humble opinion, is isolated as follows: C credit card fees R rebates A auto renewals P prepaid cards Only two accounting tasks are more puzzling than this one (formally known as CRAP) : One the true tax numbers of one Willard Mitt Romney? and the other what percentage of butter is in that substance at the movie theater?. I submit, CRAP is money to burn. It is unaccounted loss, monetary deception. In other words crap is money we spend or lose without knowing. CRAP, in my humble opinion, is isolated as follows: C credit card fees R rebates A auto renewals P prepaid cards Lets begin with credit card fees. Credit card fees are crap. Credit card fees and surcharges cost consumers billions a every year. Yet, the masses seem to worship credit cards. They do make our lives so expedient. Regardless, that were paying a sky-scraping outlay for this service. In this down economy, surcharges and fees are climbing as credit card companies skirmish for your dollars. You may need a Trident Tech accountant to identify those covert, oft concealed fees we pay. Credit card applications rise every year as credit card companies make breathtaking offers to clutch your business. They lure you with no interest transfers, no annual fees, and still cash back! What accountant could resist, right? Cash back seems to be the most popular today, as may credit card provider keeps offering me a plan with 5% cash back. My judgement is, if you can afford to give me 5% back how much profit do you actually make off me? So, judge wisely. Sift through the extra credit card fees and surcharges. They will deplete your cash account or that of a small business. The best way to avoid these extra credit card costs and beat the crap is to put into action simple solutions for all those fees. Take a quick look at some universal credit card fees: The Late Fee is crap. If PAYPAL doesnt get your money to the credit card company on time, because we know its not your fault, you may have to fork out a fee of up to $35. This can cripple your cash flow. Be mindful, that if you pay your balance late on a credit card, it can and will be used against you, raising your interest rate on all your cards! What all the companies do is raise you interest rate because you paid late on another account. This includes the GE Money type accounts such as Rooms To Go. To beat the crap: Pay early and often. When confronted with a late charge because of PAYPAL or your dog ate the check, call the company and give explanation. Often our big brother will negate the late charge. Over the Limit Fee is also crap. If youre near your maximum credit line, a solo additional purchase or even a late charge will thrust you over the limit and trigger an over the limit fee. Also a high credit card balance will lower your credit rating. Having over 50% of your card charged, tells the three credit agencies that you are low on cash. To beat the crap, keep all your balances safely below your limit. Like my grandfather told me, never let you gas tank go past half. So dont charge your balance over half. If you can, pay off your whole bill every month. Make it rain on VISA and MASTERCARD. This will eliminate effectively all of the fees. Next, the inner accountant in you should be aware of how much available credit you have before you acquire a fresh charge. Get the app on your smartphone, or do it the old way and call your credit card company, to check that your balance is up to date. Note to self: The reported credit limit may be around two weeks behind your transactions. Buying that new robot vacuum when you dont have the money can put you past the limit, or you may have to do the walk of shame after rejection at the register. Hopefully it doesnt happen on a first date or your pastor is in line behind you. To beat the crap: Start up the Prius, trek to Barnes and Noble, buy Accounting for Dummies, and maintain a daily accurate record of your credit card transactions. Dont rely soleIy on the convienient Android app for your current balance. The service fee is crap. Mystery Is there really a no-annual-fee credit card? Many of them, even some of the 0% plastic cards, charge a monthly service fee. The service fee is also called the minimum finance charge costs around $6 a month. Multiplied, you have an annual fee up to $72. To find out if you are victim to this crap, simply call the credit card company and get all the information you need. The crap is in the details, so be sure you understand the terms. Accounting 101 stresses where there is a debit there must be a credit. By its vary nature, the balance transfer fee is crap. My uncles girlfriend said, All money aint good money. The balance transfer fee definitely fits that descriptor. The transfer fee is exactly like its name, a charge for moving outstanding balance to another card. The fee can be a flat rate or a percentage of the amount you moved over. To beat this crap: Look before you leap, ask before you transfer! If you cant afford the fee, dont take it. At the very least, weigh the fee versus you savings by doing the transfer. Use your inner accountant and calculate the interest saved versus the transfer fee. Also if you cant pay the balance off within a specified time, the 0% may be revoked. I prefer to pay off my card as quick as I can versus moving the bad debt to another account. The Cash Advance Fee is crap. I never get cash from my credit card. For others, in certain circumstances a cash advance may be rightly what you need, but the immense fees can drown you. After cash in hand from an ATM, one is responsible for the ATM fee (more crap), and a tacked on 10% charge or more of the amount you borrowed. When you pay back your credit card, they often credit your regular charges first and keep the cash advanced balances charged to you at the higher rate. To beat the crap: Know all the costs involved forthright. Do not pull the trigger with this advance unless you can quickly downsize the balance, or can borrow from you accounting teacher Blank check fees are crap. I know you receive those blank drafts from your credit card company in your mailbox. They actually do tempt me when I get the $2,500 blank check. The look so good, I detest them, so hear me clearly. Destroy them! This gimmick is not free. You are by and large charged a towering percentage based on the total check. To beat the crap: Refuse to use these checks unless youre prepared to cover the extra costs. Try a regular bank loan before you go this route. Always be your own accountant and watch all transactions. Remember to negotiate with the credit card company. It is more expensive for them to entice new customers, instead of writing off disputed fees and charges. We can beat the crap. Yes we can! I say again CRAP, in my humble opinion, is isolated as follows: C credit card fees R rebates A auto renewals P prepaid cards Lets transition to rebates. Rebates are crap. Manufacturers and stores make it incredibly complex to claim the refunds they I still have not got the refund from Jiffy Lube, after mailing the receipt, survey, and request form of to the semi-corporate office in Bangladesh. Now , another bargain was the ATT new phone rebate that I may get back in six months or so in the form or an ATT card! Just, consider this: The ATT ad says notes post sale rebate. First I had to pay the full price phone, complete a rebate form, and then wait months if lucky. In fact, manufacturers, offer an estimated $4 billion a year in rebates. The unknown is that millions, perhaps up to 40% of it are never paid. Some simply ignore the rebate claims to making it close to impossible to qualify. Several big names retailers have been admonished by Elizabeth Warrens new government watchdog agency. The credit companies still practice this crap. First they realize that many simply dont know how to claim the rebate. To weed out the others through disqualification there are institutional practices such as the crap below: Crap is when manufacturers may insist blue ink or block style letters must be used. Crap is when they maintain you circle the price on the receipt. Crap is when boxtop with scan code is required and you already tossed it in the garbage. Crap is when you dont submit claim on time because the small print says you had to submit your claim within seven days of purchase. Crap is when the rebate check they sent you must be deposited within three days. CRAP, in my humble opinion, is isolated as follows: C credit card fees R rebates A auto renewals P prepaid cards Lets explore auto renewals. Auto renewals are crap. It is a sneak tip clause in a contract imparts that the contract term will automatically renew, unless you give notice of intent to cancel. Most, often you dont know you are even victimized by an automatic billing renewal scam. You may get a free service like extra movie channels when you order cable. You think you have it for a specific time period, such as a year, but when the time period ends, the channel access stays on and you automatically get billed for another time period, because the cable company still has your bank information on record. When you try to resolve this crap, you discover it was easy to sign up for the service, but nearly impossible to cancel. AOL was notorious for its toll-free number to call and cancel and then -shocker! you cant get through. Now they are equal opportunity and just love to scam baby boomers who might be confused about what theyve ordered or whether they have renewed. To beat the crap, check before you sign up for something to make sure there is no automatic renewal. CRAP, in my humble opinion, is isolated as follows: C credit card fees R rebates A auto renewals P prepaid cards Lets end with a look at prepaid cards. Prepaid cards are crap. They overdose in lots of anonymous fees. Your inner accountant will be surprised when you find a dozen or so different kinds of fees. Reloadable prepaid cards akin to debit cards without a real brick and mortar bank. Often parents load cash onto them and students can use them on campus where plastic is accepted. The gimmick prepaid cards often with catchy names like the Rush Card tend to serve illegal immigrants or someone with bad credit. Areas, like low-income neighborhoods in North Charleston have a host of places to reload a prepaid card. Crap is activation fees. Just to activate a card you get a fee. Service fees and even for talking to a customer service representative in off-shore China. Other fees are less likely to be disclosed, to my surprise a fee may be charged when a purchase is declined. Now, that is truly adding insult to injury! To conclude, I covered four elements of crap in our lives. Other than these, there are many more. Consider the pennies the stores keep when they round off your change. Consider the change lost when you kid goes to the store for you. Consider the campaign contributions to the candidate you drops out and then endorses the other guy. I hope that upon reading this paper, you call on your inner accountant and recognize the crap. Once you recognize the crap you can adjust and realize true profit. I describe crap as unaccounted for money, but now this money can be accounted for by you and only you. Consider it a second chance, as if the British jumped in the harbor and got their tea back!

The Therapeutic Theater :: Biology Essays Research Papers

Ways of Knowing, Modes of Acting": The Therapeutic Theater world ratLife, as it is represented through various media, has a brainwashing effect on the spectator: he consumes a fabricated her than producing one of his own. The unconscious is constantly repressed, while the conscious is force fed images which basely appeal to the controlled linear processes of the brain. Psychiatrist C.G. Jung writes: "The source of numerous psychic disturbances and difficulties occasioned by man's progressive alienation from his instinctual foundation, i.e., by his uprootedness and identification with his conscious knowledge of himself, by his concern with consciousness at the expense of the unconscious. The result is that modern man can know himself only in so far as he can become conscious of himself--his consciousness therefor orients itself chiefly by observing and investigating the world around him, and it is to its peculiarities that he must adapt his psychic and technical resources. This task is so exacting, and its fulfillment so advantageous, that he forgets himself in the process, losing sight of his instinctual nature and putting his own conception of himself in place of his real being. In this way he slips imperceptibly into a purely conceptual world where the products of his conscious activity progressively replace reality. Separation from his instinctual nature inevitably plunges ci vilized man into the conflict between conscious and unconscious, spirit and nature, knowledge and faith, a split that becomes pathological the moment his consciousness is no longer able to neglect or suppress his instinctual side." (1) The prozac world we inhabit is a direct result of doctors eager to "fix" or "cure" disorders through administering prescription drugs. These drugs don't cure diseases, but rather numb their symptoms; the patient acts their daily ritual of dealing with life in a zombie like trance instead of confronting the horror, terror, and chaos essential to the Nature of the world so as to better understand the self and the self's place in it. It's easier to turn off the receptors that trigger emotions, ideas, or urges we don't like facing than to explore their origin. This method of treatment is not only dangerous, but frightening, because it threatens the very existence of humanity by crippling the self's internal communication necessary to forming individual identity. This calls for a radical change in the medical health care system (2)); where responsibility is placed on doctors to approach a patient's psychosis on

Jeremy’s First Day Essay

Jeremy was very excited.   His eyes popped open even before his alarm clock rang. He had been waiting for this day all summer.   It was his first day at his new school.   Jeremy’s mom promised him that this school was going to be even more fun then the one he went to when they lived in his old house before they moved to this town. Jeremy jumped out of bed and quickly got dressed in the outfit had had picked out especially for his first day. He combed his hair and brushed his teeth like his dad told him he should do every morning. Jeremy’s parents were just sitting down to breakfast and were very surprised went he walked into the room. â€Å"My, you sure got ready awfully quickly† said Jeremy’s mother. â€Å"Are you all ready for school?† asked Jeremy’s dad. Then he added, â€Å"Do you think a pancake would help?† Jeremy smiled, â€Å"It sure would!† After they ate Jeremy’s mother looked at her watch and sprung from her chair â€Å"Where did the time go?   We’re going to be late!† They ran to the car and waved good-bye to Jeremy’s dad who reminded him to be good. Jeremy’s mother drove quickly and they got to school just in time.   Jeremy hugged and kissed her good bye and she too reminded him to be good. As he walked into the building, he heard his mom tell him to â€Å"knock their socks off!† Jeremy got to his classroom just as the bell rang and found a seat in the very middle.   All of the other second graders looked at him in wonder.   His dad had told him to expect this.   Jeremy was the new kid.   People would look at him because they didn’t know him and they would be curious about what he was like.   They might want to know about where he was from and what kinds of things he liked to do.   His mom said it might feel funny to be looked at like an animal in a zoo, but that they didn’t mean any harm, and as soon as they were used to him, they would all be friends. The teacher stepped in front of the class and wished them a good morning.   She wrote her name on the board and began to call out the children’s names. â€Å"Anna Abbott?† â€Å"Here† â€Å"Nicholas Baca?† â€Å"Here.† â€Å"Jeremy Dennis?† â€Å"Here.† Everyone got quiet and looked at Jeremy very hard.   Then suddenly a girl in the front row said, â€Å"You’re not a boy!† â€Å"How come he’s wearing a dress?† asked the boy sitting next to Jeremy.   Then everyone began to talk excitedly.   They all wanted to know if Jeremy was a boy then why he was wearing a dress. Jeremy was confused.   No one had ever asked him about his clothes before.   Other students in the class were wearing dresses and no one seemed to notice. The teacher quieted the class and turned to Jeremy. â€Å"Are you Jeremy Dennis?† â€Å"Yes, I am† said Jeremy. â€Å"Welcome to class Jeremy.†Ã‚   She then went back to calling the role. The first day was a very long one.   At recess, everyone wanted to know about Jeremy’s old town and school, but mostly they wanted to know why he was wearing a dress.   Some of the students were very nice and some were not.   Some of them asked questions about what kinds of games Jeremy liked to play and were excited to have him on their soccer team because Jeremy was very good.   Some said mean things to him about his clothes.   Jeremy wondered if their parents had told them to be good this morning too. By the end of the day, Jeremy had learned that even though the school didn’t have any rules about clothes, boys at this school only wore shorts and pants, but girls were allowed to wear anything they wanted.   This seemed unfair to Jeremy. At dinner, he explained to his parents the funny rules the children at this school followed.   Jeremy’s mother sighed and told him that everyone one and everywhere is different and he just had to decide which rules he wanted to follow. That night, as he went to sleep, Jeremy knew exactly what he was going to wear the next day. Discussion Plan This story addresses gender issues are well as the role of authority and rule making and breaking.   Some questions that approach these issues could include: Why did the child say Jeremy was not a boy? What is the difference between a boy a girl? Why do the boys not wear dresses? Are their rules that you follow that are not written down? How do you learn about these rules. Who decides these rules? How do you know if these rules are fair? Other topics to address would be sayings like â€Å"where did the time go?† and what it means to â€Å"be good.†

History Of Venezuela s Political Economy - 1695 Words

Now for the role of petroleum in Ecuador’s political economy. The EIA report on Ecuador, edited in March of this year, indicates that â€Å"resource nationalism and debates about the economic, strategic, and environmental implications of oil sector development are prominent issues in the politics of Ecuador and the policies of its government.† It is fair to say that Ecuador should be categorized as a petrol centric state, especially given that said resource nationalism is an ideology enduring from the 1970’s (Kimerling 419). Aside from the obvious environmental externality of carbon dioxide emissions, what more reason could there be for deliberation on the issue? A Bloomberg article from August of this year gives good insight: â€Å"Ecuador has†¦show more content†¦Ecuador has been a member of OPEC since 1973, with a break between 1994 and 2007. Its resource nationalism ideology is tied to this notion of oil salvation that seems to portray OPEC as its m etaphorical Jesus, if heaven is modernization. But this has not been the case. This is not to say that OPEC disturbed their potential to use petroleum to propel themselves into modernity. OPEC is more of a symptom than a cause. Inherently, in a relatively unstable political region such as South America, there are issues with governmental integrity, as we have already seen with Ecuador’s trade barrier stunts. I want to argue that OPEC is a symptom of the Dutch Disease. Much like the Keystone XL pipeline would fix the United States and Canada on dirty fossil fuels for years to come (Natural Resource Defense Council), OPEC offers developing countries an infrastructure with similar effects. Given that its creation occurred well before today’s urgency of climate change, OPEC embodies the saying â€Å"the road to hell is paved with good intentions.† The easy avenue created by being part of OPEC drew members to invest heavily into their petroleum industries and almost nothing else. As a result we now have several countries hemorrhaging economically, with little option but to turn to OPEC for help. And what will OPEC do? They have already proclaimed inaction is the route to go right now