Ways of Saving More Money


Saving involves accumulating funds through savings (Garman, Thomas, and Forgue 382). Shavenellynee needs a comprehensive plan that will free up more monies for savings and investment. The savings plan should start with ending her vehicle’s lease agreement. Leasing is an expensive option in the long run because it means she is paying for the use of the BMW for the first two years when it depreciates the most. After the lease is over, she has to lease another vehicle. It means that she will have to continue paying monthly payments for a long time.  Secondly, leasing a car attracts high insurance costs, especially in liability coverage. Ultimately, leasing will cost Shavenellynee more than an equivalent loan. Therefore, Shavenellynee should purchase a vehicle to save more money that could have been used in insurance costs, limited mileage costs, and monthly repayments.

Additionally, Shavenellynee should budget by tracking her costs. She should write down all regular expenses while tracking other variable expenses. The amount of money that she will salvage from these efforts should be put into retirement savings – 401(k) plan.

Sarena Sarena should stop paying her credit card purchases in…….


Collaborative Decision Making Through Shared Governance

I attended a committee in my health care organization last month. It was a meeting that had been scheduled for close to two weeks by the organizing and coordinating secretaries. All fifteen members had confirmed attendance, but on this day two were absent without apology. After a few minutes of exchanging pleasantries, the meeting commenced. There were three critical issues that were tabled for discussion and everyone’s input was required in order to come to a consensus. The meeting was held for close to three hours, but what I observed was a disjointed team that discouraged nurse involvement in decision making. The committee did not manifest employee engagement in decision-making and team work.

Description of the Committee Meeting Hospital committees occupy a crucial position in healthcare organizations because they are involved in management and decision making in their institutions (Meyers & Costanzo, 2015). The committee that I visited had representative members from all the departments. Their main role was to agree on some of the responsibilities that were common across all departments and chart a new path for the future. Specifically, some committee members were available to decide the measures that would be used to improve clinical capabilities while others were responsible for issues pertaining to safety and quality in the hospital.   Another party in the meeting handled issues associated with human resources, including employee grievances. In sum, the committee members and supporting team was formed by people in different roles and expertise, and they were expected to collectively come to a consensus opinion after deliberation to form the basis for decision making. The supporting team that was also present were expected to comment on the implementation aspect of the decisions. However, this was the theoretical…..


Social Capital

One of the reasons that can explain why whites invest less in education has to touch on historical injustices on the part of minority groups. Racial discrimination has condemned most minority groups into poverty due to lack of access to more education opportunities. Therefore, the minorities felt that it was only through education that they could catch up with the whites. They realized that they require education equity to have an opportunity to be successful. Minorities are therefore more optimistic than whites that investing more in education will translate into more opportunities at an individual and economic level (Halpern, 2003). A survey involving Asian-Americans, African Americans, and Hispanics had all agree that the youth require a college degree to be successful – a sentiment that was endorsed by slightly less than 50% of whites (Brownstein, 2013). Whites invest less heavily in education compared to………


Analysis of Chapman’s Speech: Address to Congress on Women’s Suffrage

In November 1917, activist Carrie Chapman delivered one of the most iconic addresses to the U.S. Congress in the history of women’s rights. This speech, titled Address to Congress on Women’s Suffrage, was instrumental in the struggle for equal voting rights. Her remarkable ability to deliver this speech was crucial for the success of women’s suffrage in the early 20th century. Catt’s superb oratory skills had a significant influence on the ratification of the 19th Amendment that granted women the right to vote in 1920. Various elements played a critical role in making the speech memorable and iconic: carefully chosen words, ability to convey emotion, strategic application of reasoning, and reliance on ethos to bolster her argument. Catt’s persuasive speech was successful because it stirred emotions (pathos), stimulated deep reasoning (logos), and relied on a serious tone. Catt was successful in stirring emotions (pathos) that made her audience feel a sense of guilt for ignoring women’s rights. She starts by recounting the events of November 14, 1917, when 44 men descended upon women protestors with blows and kicks outside the White House (Chapman 1). Catt is strategic by starting her speech from an emotional perspective. It is a strategy that compels her audience to remember the events of Nov. 14, 1917, when suffragists led by Alice Paul were arrested, harassed, and tortured for picketing. After involving their emotions, Catt quickly reminds them that no amount of opposition could stop the movement then. She says that “Suffragists knew it before November 4, 1917; opponents afterward” (Chapman 1). Her message is that it was impossible to stop women from gaining their voting rights. The statement galvanizes support and empowers suffragists to power through with the struggle. By appealing to the audience’s emotions, Catt ensured that they felt sympathy and pity for the innocent women who had to endure violence for their rights. Secondly, she managed to awaken the sense of……


Struggle for Equality

Main Idea of the Documentary

Henry Louis Gates’ documentary – Black in America: Touch the Sky (Part 4) – celebrates the progress that African Americans have made toward equality amidst glaring barriers that seem to never go away. Gates reiterates that racism is the primary obstacle that continues to confront African Americans today. Any significant achievement that increases black America’s optimism for a better future, such as the ascendancy of Obama into White House, is quickly erased by events that expose the underlying racism. Nevertheless, the documentary asserts that no amount of misery associated with racism can halt black Americans’ march toward a better future of opportunity and equality.

Summary of the Documentary

The documentary begins with a chilling footage of the devastation caused by Hurricane Katrina in 2005. People were swept away by floods and many others were trapped in their apartments. Nearly 100, 000 people, mostly black Americans, were left without food, shelter, and healthcare (Gates & Burke, 2015). Although Hurricane Katrina affected all races without discrimination in New Orleans, the very poor who had no power to flee the scene stayed behind to see out the storm with tragic outcomes. Katrina had finally exposed the plight of poor African Americans who were suffering from many years of racial isolation and economic subordination. African Americans affected by Hurricane Katrina attempted to escape to suburbs only to be met by armed police and residents who were ready to shoot (Gates & Burke, 2015). The government was reluctant to send help to the suffering black people while the media, instead of focusing on the devastation, propagated rumors of looting that were fueled by stereotypes. Barrack Obama, the then Illinois Senator, witnessed the government’s indifferent to the plight of black Americans. He visited evacuees in Houston where he spoke candidly about racism in disaster response, noting that black Americans had been abandoned long ago. In a bid to find a lasting solution in America, Obama announced his desire to run for presidency. Obama’s election was groundbreaking. It brought hope to black Americans and other diverse groups across the world. African Americans were filled with optimism of a post-racial state now that ‘one of their own’ had risen to occupy the White House (Gates & Burke, 2015). However, as Obama started to work on economic conditions, he faced blatant racism that exposed the underlying and entrenched racism in the U.S. Viral inflammatory and racist images depicting Obama went viral and questions about his birthplace began to circulate among disgruntled white critics. Nevertheless, there was a significant progress in various sectors in the U.S. Black representation and voices in mainstream media rose to depict the White-Black reality. For example, the Scandal series that involved a black woman in a scandalous relationship with a…….


Stress Management

Stress management refers to a set of strategies that are intended to help deal more effectively with stressors in life by embracing positive actions that minimize their impact (Kassymova et al. 6). Consequently, stress can is the non-specific body responses to a wide range of demands or stressors. These demands are the stimuli that cause stressful events in a person’s life. College life exposes a student to a series of constant stresses that may cause changes in sleep, eating habits, and difficulties embracing new roles and responsibilities. According to Stupart (par.5), stress could affect the quality of academic performance because it affects a student’s mental and physical functioning. Research on college students has found that stresses such as exams pressure, romantic relationships, financial difficulties, lack of support system, academic load, and responsibilities associated to working while in school have a significant impact on academic performance (Stupart par. 6). Therefore, stress management that integrated stress relieving techniques is a crucial intervention that could help college students to achieve their educational goals. Specifically, students with stronger support systems are better in coping and are more successful in college. Stress management can be the difference between graduation and failure to complete the course.

Applying Stress Management in Class I used stress management during my final year. I was going through a challenging period that was defined by interpersonal pressure, peer pressure, finance difficulties, and higher level of independence. I noticed that stress was causing me to skip class and fail to……..


Success Speech

My name is VVV. I come from Houston, Texas. Today, I am humbled to share my story with you. We live in a world of unlimited opportunities and only our imaginations can limit our growth. Mark that statement and remember it during this live session. Some of us have endured a life of doubt, uncertainty, and regret that may have been avoided if we managed to persevere. When I was in eight years old and in my third grade, I was diagnosed with a learning disability that prompted my school to uncharacteristically conclude that I will never succeed in life.  It was a heartbreaking moment for my family, but today I stand before you as living proof that disability is not inability. I managed to graduate high school with a GPA of 3.8.

Never let any form of inability define you. How many of you know David Neeleman? He is one of the most successful entrepreneurs in the world having founded 4 commercial airlines, including Morris Air, WestJet, Azul Brazilian Airlines, and JetBlue Airways. Quite an entrepreneur, right? Surprisingly, he has always struggled with ADHD. But he calls his ADHD the best asset he could ever have, saying “One of the weird things about the type of ADHD I have is, if you have something you are really, really passionate about, then you are really, really good about focusing on that thing” (Love par.9).  He credits ADHD for helping him to create the airlines’ e-ticketing system.

As much as I look into other successful people, I cannot understate the struggles that I have endured in my quest to prove people wrong. One of my most depressing moments was when I failed the F.C.A.T. in my third grade. I struggled to shale the feeling that there was some truth in what my school had said about my life. Was I really going to be a failure? It seemed so from the onset. As if to reiterate their message, the teachers and staff called me into a meeting where they bluntly repeated that I should be prepared to struggle through life. I wept uncontrollably in that meeting. I repeatedly asked God so many questions. My parents took me to see a specialist because they could not understand why their child was struggling in school and had learning difficulties. The results came back: I had a learning disability for reading and comprehension. I looked at my parents’ reaction and knew that it was bad. I was inconsolable. The rest of elementary through end of middle school was too difficult for me. I was called all sorts of names – dumb, stupid, foolish, etc. The level of bullying was too…….


Success: A Function of Motivation and Excellence

Success is indeed a function of motivation and excellence. It is a journey that is only travelled by brave people who dare to dream. It is a process that is embraced by people who are ready to commit to a goal and pursue appropriate strategies that actualize the dream. I have learned that success depends mostly on individual initiative and dedication to pursue a desired aim or dream. The dream could be short or long term, but exertion, dedication and discipline in goal-setting remain the most critical factors that will define success or failure (Dembo 98). However, college life has taught me that motivation is an ingredient of success that drives people to strive for and pursue increasingly challenging goals. It is a factor that determines the level of discipline and effort that an individual will exert toward realizing a goal. I have seen most of my colleagues drift away from their goals because they were not motivated enough to pursue their dreams. The common occurrence is that only a handful of people excel in various spheres of life, leaving the larger population struggling in mediocrity and ordinary lives with hardly any rewards to their efforts. My college life and the activities that I have undertaken in this class have cemented an attitude of perseverance, self-drive, discipline, and goal-setting as the right path toward achieving excellence in my career. Achieving excellence in any career is the cumulative integration of attributes such as focus, self-confidence, patience, determination, and passion. But self-motivation is the essential attribute of excellence. There is no level of external goading that can drive us to attain…….


Summary: Real time Economics – Business Investment is Up, Homeownership is Down

The U.S. GDP is projected to grow at a 2.5% pace to impact some economic sectors (“Real Time Economics” par.1). Economists are, however, wary of the seemingly positive economic growth experienced in the first quarter. They are concerned by a few pertinent issues that are limiting a more broad-based economic growth, including weak productivity growth and the ever-increasing inequality. A decline in business dynamism has also been listed among the factors that are limiting the U.S. economy from performing at its potential in 2019 (“Real Time Economics” par.2). The individual factors may be unrelated, but they have a considerable impact on economic performance. For example, a decline in business dynamism has slowed growth in the business sector by reducing the market entry of new entrants. It means that there is a relatively fewer number of firms capable of either challenging incumbents or offering the type of stiff competition that drives productivity and creates new employment opportunities. Since 2013, the number of jobs created by new firms has been on a steady decline compared to the relatively stable performance of existing firms (“Real Time Economics” par.3). With the business sector performing below its potential, the aggregate effect is felt through a sluggish economic growth that may appear ideal on the first glance but weak after an economic evaluation. The U.S. homeownership sector provides a glimpse into how the economy is performing. Latest reports indicate that the rate of homeownership is at an all-time low since 2017. The first quarter results suggest that the decline has affected the previously impressive recovery of the American house sector. Potential first-time buyers are willing but……..


Teaching Soft Skills

Business organizations are on the hunt for the most talented employees with more young people coming out of higher learning institutions. Top on their list of qualifications are technical capabilities that are specific to the available jobs, including relevant education, certifications, and job experience. While the demand for hard skills cannot be understated, employers are raising the bar higher by ensuring that potential employees demonstrate their soft skills. Soft skills, which include ability to collaborate, communicate, and think critically and creatively, are critical for long-term organizational success (Expert Panel, 2019) According to Brett (2018), soft skills are key to effective employee performance and organizational success in today’s environment. Unfortunately, employers complain that soft skills are in short supply in today’s burgeoning pool of labor. Gonser (2018) adds that the current crop of students yearning to join the workforce lack fundamental skills, including people skills and interpersonal skills.  Unfortunately, these ‘employability skills’ are not taught in schools despite their significance in the 21st century. Universities and colleges should be held responsible for student learning of ‘soft skills because it is their duty to prepare students for work in today’s competitive workforce. Learning institutions have a responsibility to equip students with employability skills in readiness for the workforce.

Universities and Colleges Responsible for Teaching Soft Skills One of the mandates of higher learning institutions is to prepare students for the work force. Colleges and universities focus too much on hard skills yet employers are complaining that the crop of students graduating the institutions largely lacks employability skills. A study by the World Economic Forum indicated that………