Xacc 280 Week 1

I explained to her that personal behavior changes, such as saving money, takes place in defined stages over a period of time. Hence, I showed her the content on table one and asked her to give me her opinions of what would work for her to influence her money-saving behavior. Since she is at the contemplation stage and recognizes that there is a problem and wants to fix it. One of the ways that she thinks she can conquer this problem is re-evaluating the reasoning behind her excessive spending and imagining how her life could be better if she changed her behavior. This means targeting the source of the issue. She suggested opting out for a mailed check instead of direct deposit, since receiving the funds electronically facilitates her to spend the money as soon as possible. Another option she said that could help change her spending habit is asking her family members who live with her to babysit while she is at work. Lastly, she believes conducting an ongoing review of her budget would critically help her track her spending habits. In doing this interview, I have learned that changing a lifelong behavior is hard and it requires persistence and positive thoughts and commitment. The consciousness-raising and the self-reevaluation of the model influenced me the most and made me realize how

After reading Chapter 6 of the textbook and the materials I found that I was struggling to understand the material more than usual. Before reading this chapter I had a slight idea of how much effort went into keeping track of the costs and inventory. The most that I knew was that you had to keep track of it, I didn’t know that there are different ways to keep track of those costs. After reading more into the different ways to keep track of inventory I found that the one that stuck out most to me and was the one that I spent the most time trying to understand was the LIFO (Last In First Out).

Although cash might only have a small dollar amount on the balance sheet, there are many reasons that an auditor might spend a lot of time auditing the cash account:

For this assignment I was asked to make two sample sequence with images from Week 4 Assignment 2. I like sequence two the best, because it displays more of what's going on during the concert, for example, face painter with a client and a juggler in action. Sequence one is more of an introduction, that's why the opening image is an overall view of the crowd, the second image is of the band sound check, the third is the announcer, and then the band opening and so on.. I chose the closing images, because it is a final image that sums up the evening. I want the audience to interpret from the sequences that they got to experience the event themselves, from start to end.

As years progress, technology makes it possible for individuals, organization and companies the capability to create mobile apps and dynamic websites from home. These mobile apps and dynamic websites in turn simplify our lives in ways we could never imagine before. One of the most commonly used inventions, which can still be considered fairly new, are social networks. Social networks give people around the world the ability to communicate, stay in touch and meet new people online at the convenience of their own time. Many social networks were developed within the past few years but few if any target professionals only. LinkedIn gives a twist to social networking by focusing only on people in professional occupations that would like to

The impact of the development of the mobile software is that it'll increase the number of customers to our products. The advantage of this application is that we will be able to be capable to access our buyers cheaply, regarded that applying it will be without difficulty available to our patrons once they purchase the mobile phones. The time utilized by the customers to surf will emerge as highly diminished. On account that they are going to only need to faucet the appliance on the phone alternatively than using quite a lot of time typing the content

It also made me realize that I’m spending money that I don’t real have. By seeing where my money go each month, I see I waste a lot of money on stupid things. I need to realize the important on saving money and budgeting my money on important items. This project, taught me that mommy and daddy, isn’t always going to pay your bills or give you money. This project open my eyes, on the fact, that I’m about to finish school, and soon enough I am going have to pay bills and I might don’t have enough money to eat out all the time or spend money on clothes, hair or other personal or fun items. I need to start budget my money responsible because soon I am going to start living life on my own without any help. I think this is a great project, because it made me realize the important of saving money and budgeting your money each

Hi Elliott, I enjoyed reading your post this week and congratulations on your new job. I wholeheartedly agree that this class has helped in many areas of our personal finances and I believe we need to stay open-minded when listening to other ideas as there may be a better approach. As we know, times are changing, and with that being said, we can expect changes in the way that we must conduct our financial affairs. Another area that you shared with the class was about budgeting and how these spreadsheets have helped. A good example that this brings to mind is my sibling’s situation. He earns much more money than I probably ever will in life, however, he does not have a budget. I have told him numerous times that this would be in his best

This assignment was difficult but also educating. The hardest part was just keeping track of my spending on the daily. I would forget what I spent and even how much it cost. I never really paid attention to how much I spent everyday. It’s a lot. Me just trying to think of what I did and what I spend money on was hard. I have bad memory in general, making the assignment a little bit harder for me to do. Remembering the cost was also hard. I didn't really care about how much it cost and usually just paid for it. Now I actually look at the cost and compare to maybe save a dollar, but hey a dollar is a dollar.

= $ (27.70 x 90 + 31.50 X 30 + 17.85 X 50 + 23.00 X 30) per year

Although, when one reflects on the day’s thoughts of finances his or her mind is easily eased because one can simply just create a course of budget. In order to keep track of spending and to stay out of debt, it is important that one writes down how much that he or she is willing to spend each month and does not go over that budget. Subsequently, by budgeting not only is one managing his or her finances but one is also making his life easier. According to Harry (2015), “A most important essential for achieving personal success is having money…having money gives you more choices and freedom to explore an open world of possibilities” (p. 413). Therefore, not only does budgeting give one a new outlook on his or her finances, but it also gives one an opportunity to explore a whole new world of

By doing this assignment I was able to visually see the spending leaks that cause such a detriment to my back account each month. I enjoyed being able to see where each dollar went on a daily

1A: It has changed my thinking about my future students, because while I know every student is different I did not know how different they can be. It has also made me think of the students that I may have that have moved from another place and they might need more support than the other students. It helped me to understand why kids especially siblings are so different from each others.

Previously, we have computed the future value of an investment when a fixed amount of money is deposited in an account that pays interest compounded periodically. Often, however, people do not deposit money and then sit back and watch it grow. Rather, money is invested in small amounts at periodic intervals. Consider these problems: 1. Chrissy deposits $200 each year into a savings account that has an annual interest rate of 8% compounded annually. How much money will Chrissy have in her account after three years? Hint: Make up a table of how much she has in her account by year.

Present value is the amount of money required today to produce, using prevailing interest rates, a given amount of money in the future. Future value is the amount of money in the future that a certain amount of money today will yield, given prevailing interest rates. Time value of money calculations are useful for retirement planning purposes. If one assumes that a given amount will be available upon retirement, then one can determine the present value of that future amount. Or, if one sets aside a certain amount today, one can determine the future value of that current sum and therefore plan for retirement expenses. The required rate of return influences the amount to be invested as well as the risk profile, including risk tolerance, investment goals, and horizon.