Belonging Essay Example | Topics and Well Written Essays - 500 words

Having a place - Essay Example This is where our family settled. My improved life after jail was set to be a piece of this changed town. â€Å"Man must live!† my companion, who had a place here, urged as he attempted to get ready for something to eat in the doomed structure where we had discovered asylum. He turned into my buddy that regardless of the hustles of what life had presented; a light toward the finish of this appearing to be interminable passage was prominent. My musings were stuck on the originality of what the town introduced to me. The town aliveness that used to rule around evening time during those days of yore was no more. Individuals used to move each night however that was currently a relic of days gone by. As the rising of the cooking strengthened, inclining toward the bar, which was the principle backing of the structure, some tap! tap! tap!(onomatopoeia) sound could be gotten notification from a separation. Thought began streaming in my brain. The means however firm, couldn't stand to miss they were for a lady. Be that as it may, what might a lady do outside at such a late night hour? May be a witch? (Talk question) Farming is the essential action of this network is as yet done utilizing the old tool strategies. Chasing is polished here yet because of its manual contribution, it is just a men’s undertaking that are sufficiently manly to deal with the cruelty of the wilderness. It isn't the way of life of individuals who had a place here with have ladies stroll around evening time except if something is unprecedented. Ladies stay inside around evening time and men take care of crises however life in this town appeared to have chosen to follow its own musings (similitude). As my companion served the food he had arranged for our dinner, he continued portraying the occasions of what the town had happened to. The stars that were noticeable through the destroyed top of this house appeared to hub on everything this companion of mine was letting me know. The food had not changed as it helped me to remember my mother’s luxuries that bound us all together.

Public Relation Consultant

Presentation Public Relations (PR) alludes to the way toward guaranteeing legitimate correspondence between an individual, a business or a charitable creation association and the general population to keep up a decent picture. An open connection specialist is the individual worried about the above assignment and guarantees that his customers and his organization have a positive picture towards the public.Advertising We will compose a custom research paper test on Public Relation Consultant explicitly for you for just $16.05 $11/page Learn More Most of the organizations and associations have an open connection advisor who manages people in general. A portion of the obligations of an open connection advisor incorporate managing question and answer sessions, deals with any data to be promoted on media houses, acquainting new items with general society, publicizing the company’s item, planning talks and speaking to the organization in the network projects[1]. The significant worry of an open connection expert is to depict a positive picture of his organization to people in general. The accompanying paper will investigate the field of open connection specialist according to the favorable circumstances and disservices, the Cost of Element of an open connection firm, how to meet the cost component of a PR firm and the capability of a PR professional. Points of interest of an open connection expert An open connection advisor empowers the organization to reach whatever number individuals as could reasonably be expected without acquiring a lot of cost in commercial. Dissimilar to promoting bodies that lone depict the positive picture of an organization by adulating it, PR advisor dissects an organization unbiasedly and basically, empowering the customers to comprehend the organization well without predisposition or misrepresentation. Individuals from various fields of specialization counsel advertising firms, in this manner empowering them to get expanded understa nding. This makes it simpler for the PR firms to fit well in the serious activity advertise. Likewise, individuals working in fields, for example, wellbeing, business, mass correspondence, instruction may counsel open connection authority hence giving them involvement with their field of specialization. For example, they might be familiar with information on the state of the market, planning, media, among others[2]. Advertising specialists furnish its customers with a decent notoriety and improve their degree of competency in the market. Through their recommendation, they will assist their customers with being exceptional and separate one business from the other. On the off chance that the customer isn't satisfied with the administrations of a counseling firm, he can end the agreement with due notification. This is a preferred position to the customers since he/she can have the option to get the best counseling administrations possible.Advertising Looking for inquire about paper on interchanges media? How about we check whether we can support you! Get your first paper with 15% OFF Learn More Through PR benefits, the open will in general trust one firm’s administrations and to believe in its business. This implies Public Relations improves validity a lot. Since one of the PR regions of specialization is in the issues of press, their distribution concerning the business gives it the picture of a star. A great many people like to connect with VIPs; along these lines, they will rush in the business because of the picture depicted by PR. At the point when a business puts long haul ventures to PR, there is a steady improvement in the net revenues. This is a direct result of the proceeded with open mindfulness concerning your business, along these lines increments in deals and consequently advantages of the economies of scale (Hunter, 2009). Drawbacks of open connection expert An advertising firm might be having deficient data concerning a client’s fiel d of specialization, along these lines having a minor effect to the prosperity of his business. An open connection specialist might be focusing to spoil the picture of an organization he is working for in this manner prompting its destruction. After some time, the open picture of PR specialists has been discolored, making the open have a negative demeanor towards them. All things considered, the media has been in the forefront attempting to persuade general society on the deceptive nature of the PR experts. This has thusly prompted most organizations avoiding private speculators in this field or having their own inside their organizations. The cost component of a Public Relations Consulting Firm The estimation of open connection consultancy isn't characterized yet it fluctuates as per the kind of business. The greatest test in esteeming advertising originates from the meaning of significant worth, which alludes to the fiscal worth or material return as per business or relative worth . At the point when relative worth comes, it implies it is in examination with something and will vary contingent upon the district since apparent worth varies topographically. Along these lines, a PR can be contrasted with the accompanying components so as to accomplish its worth; â€Å"Initial need of the purchaser, starting need if the dealer, saw want of the purchaser, saw want of the merchant, saw estimation of the administration, saw estimation of the administration comparative with other help, saw estimation of the administration conveyance individual, saw estimation of the client† [3]. By and large, PR manages administration conveyance, which takes distinctive time lengths for preparation.Advertising We will compose a custom research paper test on Public Relation Consultant explicitly for you for just $16.05 $11/page Learn More Ways of paying the cost component of a PR firm When meeting the expense of a PR firm, it is recommendable to pay for execution so as to guaran tee responsibility from the PR advisors. The picture of PR has been spoiled for quite a while on the grounds that, for quite a while, the customers have been paying for the remaining task at hand and not the nature of the administrations. For example, the greater part of them have been requesting a lot of retainers for them to proceed with their support of the customers. They have been utilized to long unlimited gatherings of which the customer needs to pay for the sitting stipends relying upon the timeframe spent, and paying little heed to the nature of their public statement, expenses must be paid for it[4]. To spare the circumstance, most customers are presently demanding paying for execution instead of the remaining task at hand or time. This is an extraordinary test to the customary type of PR since customers used to pay singular amounts without an assurance that the PR specialists will meet their point. The idea that was there generally that the administration gave must be pai d to at any rate made the PR experts need responsibility. Paying for execution model is firmly identified with ROI (Return on Investment), which is a presentation measure that analyzes the proficiency of various types of speculation. To get the estimation of ROI, you separate the distinction between increase of a speculation and the expense of the venture by the expense of speculation. For this situation, the expense of speculation ought to be lower than the increase from the venture. At the point when PR administrations are paid by execution, it gets simpler to esteem its expense with certainty that both the specialist and the customer are contented[5]. Capability of a PR expert Basing our article Britain Chartered Institute of Public Relations (CIPR), an advertising specialist must be a holder of the accompanying capabilities. To be an individual from CIPR, an individual must have either a CIPR confirmation in advertising, or 4 years involvement with PR and approved CIPR capabilit ies, or 6 years involvement with PR and give a Certificate of Professional/Personal Development 1year in the wake of joining, or 10 years involvement with PR. To be a partner of CIPR, one must be a holder of a propelled declaration in PR or approved CIPR capabilities or 3years involvement with PR[6] (ABE, 2006, pg 446) Apart from the expert capability, a PR should have superb composing aptitudes since the majority of their work is situated recorded as a hard copy public statement. He must be curious and wary so as to have the option to comprehend the idea driving every association. This is on the grounds that PR specialists disclose to others about a specific business or association subsequently he ought to have a wide information in each field e is managing in. He ought to be mentally inquisitive on doing PR in new manners and being expectant[7].Advertising Searching for investigate paper on interchanges media? How about we check whether we can support you! Get your first paper with 15% OFF Find out More A PR should be energetic and enthusiastic in completing his obligations by inspecting each piece of his work hopefully. He ought to be devoted in his work because of the hardened rivalry in the market and ought to be refreshed. He ought to guarantee that he works with uprightness and practice straightforwardness in the entirety of his articles to abstain from polluting his picture and that of his customers. He ought to be unassuming since managing open may on occasion be embarrassing and should share his revelations liberally. In addition, he should be adaptable to such an extent that he ready to grasp change with little difficulties and prepared to learn new technology[8]. End Public relations division assumes a significant job in each association since it decides its open picture and the government assistance of the organization. It is possible that it very well may be a piece of an association or it tends to be utilized secretly. This sort of occupation has its upsides and downsid es, consequently should be maneuvered carefully. On the planet we are living in today, it is critical to check the proficiency of the PR execution since if not completed industriously; it very well may be difficult for an organization to sparkle in the serious activity advertise. The PR staff ought to gain the essential characteristics through preparing before rehearsing consultancy. Catalog Binkley, Sheena. PR work obligations, 2010, http://www.ehow.co.uk/list_6700916_pr-work duties.html . Horton, James. What does it cost? The estimation of PR administrations, 2002. http://www.online-pr.com/Holding/Whatdoesitcost-article.pdf . Konanykhin, Alexander. With regards to PR, Pay For Performance, Not Time, 2010. http://advertising.about.com/od/

Dystopian Social Contract

, Research Paper The book Zen and the Art of Archery, by Eugen Herrigel, talks about the spiritualty associated with the workmanship signifier in the games of bows and arrows. In this book, Herrigel portrays numerous aspects of how arrow based weaponry is, truth be told, non a games, however a craftsmanship signifier, and is extremely strict to those in the E. As a histrion, this book encourages you to use your spiritualty in your playing. Toxophilism, in this book, was the way that the essayist discovered his way into Zen Buddhism. He considered this craftsmanship, which is alluded to as the # 8220 ; open workmanship, # 8221 ; to infer involvement with the field of Zen Buddhism. From the start, one may accept that arrow based weaponry has no topographic point in Zen, yet, through treatment and record, it is uncovered that bows and arrows is fairly a major part of Zen. It is non through the existent physical feature of hiting pointers at marks that arrow based weaponry is Zen, however through the workmanship and spiritualty through which it is performed. We will compose a custom exposition test on Zen And The Art Of Archery Essay or then again any comparable theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page It is non essentially hiting a pointer to hit an imprint, however going yourself the imprint thus, in twist, hitting yourself, of class non truly, yet profoundly, and by run intoing the strict end, you will so run into the physical end. The opposition is, subsequently non with the pointer or the imprint yet with oneself. The entire specialty of bows and arrows is inward, inside oneself, and non outside with the bow and pointers. The procurement method for the Zen in bows and arrows is a long strategy, focusing from the outset on pulling the bow # 8220 ; profoundly, # 8221 ; so making a trip on to keeping the pointer and in the long run to # 8220 ; # 8216 ; fring # 8217 ; the bolt. # 8221 ; Archery is, in the feeling of Zen, is depicted as a stately, with the central end being to have the option to execute it # 8220 ; easily. # 8221 ; The idea is to, as said by Herrigel # 8217 ; s teacher, # 8220 ; stop accepting about the shot. # 8221 ; Once you quit accepting about the shooting it w ill go on, yet until in this way, it will non. To genuinely have the option to non accept about the shooting is to hold to # 8220 ; let travel of yourself, # 8221 ; as said by the maestro. The primary preliminary, of sorts, taken by Herrigel in the nation of bows and arrows, was five mature ages into his surveies. This preliminary comprised non completely of achievements, yet close to of the strict feature of arrow based weaponry. After that preliminary, which was passed by all with winging colourss, the arrangement was finished. Herrigel, subsequent to inquisitive his maestro how they gathering would secure on without him, tungsten as addressed that they had changed and that it was non fundamental for him to take them any more. At the point when turn toing the idea that Zen had just been associated with the specialty of arrow based weaponry in late history, Herrigel expressed that bows and arrows, only as all other Nipponese workmanship signifiers, had been identified with Zen from the earliest starting point and that it was non another incident by any stretch of the imagination. Comparable to what is going on in Acting I, this book may, from the outset, appear to be unimportant. By the rubric even, one may accept that, great, this is just roughly bows and arrows, and this has nil to make with playing, yet that s non the example. This book identifies with moving, non by talking about moving, yet through the treatment of spiritualty. This book is in certainty an incredible asset for histrions, for that particular ground. It doesn t state you how to move in the physical sense, however it reveals to you how to move in the strict sense. Despite the fact that the book is straight around arrow based weaponry, it very well may be applied to about anything. The idea of Zen is non simply to be applied to what it is as of now utilized for, yet for everything that you do. You can use Zen in all that you do, to do it increasingly strict. In moving, you can use it to go increasingly partnered to your character and to the condition of affairss you are working with. Bing pr ofoundly associated with the playing improves it and simpler. Similar builds that improve bows and arrows while using Zen, improve moving. On the off chance that a histrion is non profoundly in tune with what he is making, he will non appropriately procure his point over, and his playing will non be great. By using Zen he will be associated with the piece and, so he will have the option to demo what should be appeared, and he will gain his point across with ease. Zen is non simply utilized for the Nipponese humanistic controls. It very well may be consolidated into everyday activities to improve. Zen, despite the fact that in this book was just talked about concerning arrow based weaponry, is extremely different. The craft of arrow based weaponry is a lot of like moving, in light of the fact that it is only idea of as physical, where moving is thought of as trick, while, through Zen, they are both strict rather than simply physical. Subsequent to perusing this book, any inclinations I had around toxophilism being totally physical are gone, and I currently realize that most anything can be strict using Zen.

The components of cultural identity Essay Example | Topics and Well Written Essays - 1000 words

The parts of social character - Essay Example Their comprehension of exactly how to roll out a conduct improvement occur and keep up it in a supportable manner is amazing. Australian organizations do comprehend the qualities that underlie underneath a qualities based initiative. (Human asset magazine, 2009) One of the Australia’s greatest grocery store chains is Woolworth retailers. Woolworths have prevailing situation in some staple goods just as buyer enthusiasm for gadgets. Woolworths Limited came in to being in 1924, first store at royal arcade. The organization has the logo of â€Å"The Fresh Food People† and it is renowned all through Aussie as key trademark to speak to companies’ procedure. On 22 August 2008, Woolworth re-propelled its way of life as a serious position for present day, more secure and increasingly amiable brand. Woolworth utilizes forceful limited time system. Woolworth understands the significance that advancing the item before its dispatch in the market. Advancement gets attractive outcomes and benefits. Woolworth utilizes parts of culture character to make and market its items and administrations. Section # 1 As characterize by Jamson2007 in his book class contrasts frequently characterize gatherings of individuals sharing normal qualities, conduct, mentalities. Despite the fact that wellsprings of riches may contrast, the rich regularly share esteems and conduct like others. Woolworth realizes that its tip top clients esteem quality most importantly. So relying on the requests of its clients, Woolworth makes and markets its items. Woolworth realizes that for better quality items the best quality crude materials must be use. To guarantee that its items are quality endorsed it forces TQM (all out quality administration). For unique Woolies-creation lines the nearby apparel makers need to isolate Woolies creation lines from others in their plant. This is for guaranteeing legitimate quality control techniques and quality interest prerequisites. Woolworth builds its publicizing procedure considering the objective market. Woolworth target status-cognizant customer base who esteem their notoriety above everything else and measure it as far as quality at impolite value ranges. For such quality esteeming class, Woolworth guarantees the methodology of even at a small amount of cost gets twofold the quality.† Such procedure of offering twofold quality at every penny draws in the privileged customers, who share regular qualities and conduct and even mentalities. Jameson2007 further calls attention to that the distinction of social class relies upon family ancestry, big name, or force. Thus, Woolworth attempts its best to advance new objective markets utilizing such methods. For example, Woolworth has had a go at drawing in progressively princely customer base by presenting new product offerings related with conspicuous originators or famous people. An ongoing case of such is the new publicizing effort of Jupiter Drawing Room in The Cape Town . Woolworth â€Å"W† Collection advertisements highlighted notable business customers including Seeff Properties' Samuel Seeff, Sasol's Christine Ramon and other notable commanders of the business all gladly wearing the Woolies W Collection. It is an extraordinary publicizing methodology that is been use as a tribute course since today clients from age bunches watch out for increasingly slanted towards superstars and their decisions. Paragraph#2 Organizational technique and dynamic regularly needs to represent social contrasts identified with thickness or provincial

How to Handle an Unexpected Bill

How to Handle an Unexpected Bill How to Handle an Unexpected Bill How to Handle an Unexpected BillHaving an emergency fund is a great way to handle surprise expenses, but what if the bill’s a mistake?Let’s set the sceneYou’ve settled into your couch after a long day at work. You’ve turned on Dancing With The Stars and are pumped for an hour of watching Frankie Muniz try to tango. You’ve got that day’s mail on your lapâ€"but you’re not worried. All your bills are up to date.And then suddenly there it is: an unpaid bill from the hospital. What the heck? You get up and check your files. You’re sure that you paid that bill from your daughter’s gall bladder surgery…In an instant, your quiet night of watching Terrell Owens go head-to-head with Barbara Corcoran on the glittering dance floor is ruined. Now you have to deal with this stupid bill that’s throwing your carefully planned finances into a tizzy.Unexpected bills mean unexpected headachesFor many folks, handling major expenses like medical and car repair bills isn’t easy. Ac cording to a study from the Kaiser Family Foundation, 45 percent of Americans report that they would have trouble paying a surprise bill of only $500. That same study also found that, among people with incomes under $40,000, 35 percent don’t think they’d be able to pay that bill at all.Paying off these kinds of surprise expenses is one reason that people turn to payday loans and title loans. These short-term no credit check loans come with extremely high interest ratesâ€"the Consumer Financial Protection Bureau (CFPB) estimates [PDF] an average APR of 339 percent for payday loansâ€"which is why they can all too easy trap borrowers in a dangerous cycle of debt.When it comes dealing with an unexpected bill, sketchy no credit check loans or pricy  cash advances on your credit card are clearly not the answer. Taking one out could only dig you deeper in the financial hole.Some unexpected bills are not to be trusted.Before figuring out just how you’re going to pay off that surprise bill, you first need to determine that the bill is legitimate. In a world that is rife with hackers and con artistsâ€"where incidents like the Equifax Hack and post-hurricane scammers can happen within a month of each otherâ€"you can never be too careful.Plus, it’s very well possible that a bill you’ve received was sent to you in error. (That’s the type of scenario we outlined in the opening section.) Lenders, debt collectors, hospitals, and utility companies are, after all, perfectly capable of making mistakes. Some even engage in shady, possibly illegal practices that deliberately mislead you as to what you owe.it’s not as though all lenders, credit card companies, and utilities are  In some cases, a bill will be a flat out scam. In other cases, it will just be the result of a clerical error.The two most common types of unexpected billsJim Wang (@WalletHacks) is a personal finance expert who shares his strategies for achieving financial independence on his blog, Wallet Ha cks. In regards to bills that are fake or inaccurate, he says that the most common kinds are medical bills and debts that are in collections:“Medical bills are notoriously hard to read, can often be coded incorrectly, and since theyre linked with something you know happened (some kind of treatment) its easy to fall into the trap of paying it.”“As for collections, thats a debt that was sold off and collection agencies can be very aggressive in how they try to recoup that money. Many times they cant even prove they own the debt in the first place.”How to handle a medical billFor medical bills, you need to go through each line item and confirm its accurate,” says Wang. This will be hard because the coding may be strange but look for anything that looks incorrect (one treatment instead of another) and anything thats added in but that you never received.”“Confirm the dates of the treatment match the date on the line items on each bill. Itll look scary but you need to go thr ough and ask questions about anything you dont recognize, medical billing fraud is huge.”“If theres something nefarious, Id look into calling an attorney,” he says.If you aren’t able to sort the situation out using only the bill itself, then Wang says that it’s time to start making calls:“Get the provider (usually the hospital or utility) and have them explain what each item is and why its on the bill. If you need to, you can call your insurance provider for help if things are unclear. If you dont get results you like, you can call your states department of insurance, they will have a fraud investigation team, and your states medical boards.”“If calling the provider or your insurance company doesnt resolve it, you need to get state and federal agencies involved. If its truly fake, it shouldnt come to that but if it does, reach out to an attorney for help because they will know the ins and outs of navigating that situation within your state.”How to handle a collecti ons billIf you have a bill that’s been sent to collections, there’s a good chance that the debt has been sold to a debt collection agency. This means that the original owner of the debt (a lender, hospital, utility company, etc.) sold the debt to this agency for a fraction of what you actually owed and wrote the rest of it off as a loss. That collection agency is now trying to recoup as much of the debt as they can from you.There have been many instances where collections agencies have used incredibly aggressive tactics (also known as harassment) to recoup the debts that they own. And while some of these tactics are legal, some of them are most definitely not.To learn more, see: What Debt Collectors Can and Can’t Do.If you think a debt collector might be fake, the Federal Trade Commission (FTC) offers the following advice:Ask them for their name, address, phone number, and company name.Ask that they send you a “validation notice” in writing.Send them a letter asking that t hey stop calling you as legit debt collectors legally have to do soâ€"but only if you request it in writing.Do not give them any personal information like your SSID, account numbers, etc.Contact the original creditor to whom you owed the debt so that they can confirm its status.Report the call to the FTC, the CFPB, or to your state’s Attorney General.Above all, be preparedIf you receive a surprise bill in the mail, and it turns out to be legitimate, then you’re going to have to pay it.The best way to prep for unexpected expenses is to build and maintain an emergency fund. Start with building up $1,000 dollars, then work your way up to a fund that covers six months worth of expenses. Eventually, you should have enough in savings to cover two years worth of costs.To learn more about building an emergency fundâ€"and other good financial practicesâ€"you should check out our recent blog post: 7 Bad Money Habits That Lead to Bad Credit.Above all, you should avoid predatory  bad credit loans like payday and title loans. If you absolutely have to turn to personal loans to handle your bill, you should probably stick to more affordable installment loans.(And if you’re going to apply for an installment loan, might we suggest you apply for one from OppLoans? We’re awesome, we promise.)Don’t let surprise bills knock off your game. Be thorough, be prepared, and you’ll be back to enjoying Dancing With the Stars before you know it.Have you ever received a bill that you later learned was fake? We want to hear about it! You can email us or you can send us a tweet at @OppLoans.ContributorsJim Wang shares his strategies for getting ahead financially and in life at Wallet Hacks (@WalletHacks). Jim has been writing about personal finance for over ten years and has been featured in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money. How to Handle an Unexpected Bill How to Handle an Unexpected Bill How to Handle an Unexpected BillHaving an emergency fund is a great way to handle surprise expenses, but what if the bill’s a mistake?Let’s set the sceneYou’ve settled into your couch after a long day at work. You’ve turned on Dancing With The Stars and are pumped for an hour of watching Frankie Muniz try to tango. You’ve got that day’s mail on your lapâ€"but you’re not worried. All your bills are up to date.And then suddenly there it is: an unpaid bill from the hospital. What the heck? You get up and check your files. You’re sure that you paid that bill from your daughter’s gall bladder surgery…In an instant, your quiet night of watching Terrell Owens go head-to-head with Barbara Corcoran on the glittering dance floor is ruined. Now you have to deal with this stupid bill that’s throwing your carefully planned finances into a tizzy.Unexpected bills mean unexpected headachesFor many folks, handling major expenses like medical and car repair bills isn’t easy. Ac cording to a study from the Kaiser Family Foundation, 45 percent of Americans report that they would have trouble paying a surprise bill of only $500. That same study also found that, among people with incomes under $40,000, 35 percent don’t think they’d be able to pay that bill at all.Paying off these kinds of surprise expenses is one reason that people turn to payday loans and title loans. These short-term no credit check loans come with extremely high interest ratesâ€"the Consumer Financial Protection Bureau (CFPB) estimates [PDF] an average APR of 339 percent for payday loansâ€"which is why they can all too easy trap borrowers in a dangerous cycle of debt.When it comes dealing with an unexpected bill, sketchy no credit check loans or pricy  cash advances on your credit card are clearly not the answer. Taking one out could only dig you deeper in the financial hole.Some unexpected bills are not to be trusted.Before figuring out just how you’re going to pay off that surprise bill, you first need to determine that the bill is legitimate. In a world that is rife with hackers and con artistsâ€"where incidents like the Equifax Hack and post-hurricane scammers can happen within a month of each otherâ€"you can never be too careful.Plus, it’s very well possible that a bill you’ve received was sent to you in error. (That’s the type of scenario we outlined in the opening section.) Lenders, debt collectors, hospitals, and utility companies are, after all, perfectly capable of making mistakes. Some even engage in shady, possibly illegal practices that deliberately mislead you as to what you owe.it’s not as though all lenders, credit card companies, and utilities are  In some cases, a bill will be a flat out scam. In other cases, it will just be the result of a clerical error.The two most common types of unexpected billsJim Wang (@WalletHacks) is a personal finance expert who shares his strategies for achieving financial independence on his blog, Wallet Ha cks. In regards to bills that are fake or inaccurate, he says that the most common kinds are medical bills and debts that are in collections:“Medical bills are notoriously hard to read, can often be coded incorrectly, and since theyre linked with something you know happened (some kind of treatment) its easy to fall into the trap of paying it.”“As for collections, thats a debt that was sold off and collection agencies can be very aggressive in how they try to recoup that money. Many times they cant even prove they own the debt in the first place.”How to handle a medical billFor medical bills, you need to go through each line item and confirm its accurate,” says Wang. This will be hard because the coding may be strange but look for anything that looks incorrect (one treatment instead of another) and anything thats added in but that you never received.”“Confirm the dates of the treatment match the date on the line items on each bill. Itll look scary but you need to go thr ough and ask questions about anything you dont recognize, medical billing fraud is huge.”“If theres something nefarious, Id look into calling an attorney,” he says.If you aren’t able to sort the situation out using only the bill itself, then Wang says that it’s time to start making calls:“Get the provider (usually the hospital or utility) and have them explain what each item is and why its on the bill. If you need to, you can call your insurance provider for help if things are unclear. If you dont get results you like, you can call your states department of insurance, they will have a fraud investigation team, and your states medical boards.”“If calling the provider or your insurance company doesnt resolve it, you need to get state and federal agencies involved. If its truly fake, it shouldnt come to that but if it does, reach out to an attorney for help because they will know the ins and outs of navigating that situation within your state.”How to handle a collecti ons billIf you have a bill that’s been sent to collections, there’s a good chance that the debt has been sold to a debt collection agency. This means that the original owner of the debt (a lender, hospital, utility company, etc.) sold the debt to this agency for a fraction of what you actually owed and wrote the rest of it off as a loss. That collection agency is now trying to recoup as much of the debt as they can from you.There have been many instances where collections agencies have used incredibly aggressive tactics (also known as harassment) to recoup the debts that they own. And while some of these tactics are legal, some of them are most definitely not.To learn more, see: What Debt Collectors Can and Can’t Do.If you think a debt collector might be fake, the Federal Trade Commission (FTC) offers the following advice:Ask them for their name, address, phone number, and company name.Ask that they send you a “validation notice” in writing.Send them a letter asking that t hey stop calling you as legit debt collectors legally have to do soâ€"but only if you request it in writing.Do not give them any personal information like your SSID, account numbers, etc.Contact the original creditor to whom you owed the debt so that they can confirm its status.Report the call to the FTC, the CFPB, or to your state’s Attorney General.Above all, be preparedIf you receive a surprise bill in the mail, and it turns out to be legitimate, then you’re going to have to pay it.The best way to prep for unexpected expenses is to build and maintain an emergency fund. Start with building up $1,000 dollars, then work your way up to a fund that covers six months worth of expenses. Eventually, you should have enough in savings to cover two years worth of costs.To learn more about building an emergency fundâ€"and other good financial practicesâ€"you should check out our recent blog post: 7 Bad Money Habits That Lead to Bad Credit.Above all, you should avoid predatory  bad credit loans like payday and title loans. If you absolutely have to turn to personal loans to handle your bill, you should probably stick to more affordable installment loans.(And if you’re going to apply for an installment loan, might we suggest you apply for one from OppLoans? We’re awesome, we promise.)Don’t let surprise bills knock off your game. Be thorough, be prepared, and you’ll be back to enjoying Dancing With the Stars before you know it.Have you ever received a bill that you later learned was fake? We want to hear about it! You can email us or you can send us a tweet at @OppLoans.ContributorsJim Wang shares his strategies for getting ahead financially and in life at Wallet Hacks (@WalletHacks). Jim has been writing about personal finance for over ten years and has been featured in the New York Times, Baltimore Sun, Entrepreneur, and Marketplace Money.

Automation in Google Adwords Essay - 550 Words

Automation in Google Adwords (Article Sample) Content: Automation in Google AdwordsSmall business owners, especially those with limited time to monitor social media, search trends and news, rely on PPC advertising to drive traffic to their products and services. Googleà ¢Ã¢â€š ¬s pay per click advertising method allows you to bid only for keywords that you want your ads to appear for, and pay each time a person clicks on your ad. What if there was a way to automate your bids so they would go up and down based on search volume? This way at least you would get a higher conversion rate.But is automation really that important? I mean; with Google paid advertising, anybody can appear on the first page of the search engine results. And given that people use the search engines to find information, your ad will surely be seen. But does appearing on the first page guarantee high conversion rates all the time? Well, ità ¢Ã¢â€š ¬s not solely about appearing on the first page; ità ¢Ã¢â€š ¬s about good PPC management.Look at this s cenario to have a better understanding.Letà ¢Ã¢â€š ¬s say you are selling a top celebrityà ¢Ã¢â€š ¬s T-shirts, but you are not sure when some craziness or that celebrityà ¢Ã¢â€š ¬s buzz is going to hit the news, and you donà ¢Ã¢â€š ¬t want to sit all day waiting to click on the Adwords bid trigger. Still, you donà ¢Ã¢â€š ¬t want to bid yourself into the first page position if the celebrity is not in the news. But one thing for sure: you want to be there during the craziness. Sure, on buzz day, the impressions could go over 100 times as much impressions as on a non-buzz day.Well, ità ¢Ã¢â€š ¬s actually possible to automate your bids. You can set your daily budget for specific keywords to increase every time the impressions go over a certain number, say 100. You can also set specific ad text to show when impressions increase to more than 1000à ¢Ã¢â€š ¬or whatever number shows an increase in the activity for those keyword phrases. So, yes, with Adwords automation, your PPC ads c an appear on the top or first page position only durin...

Add Maths Project Work - 1182 Words

PROJECT WORK FOR ADDITIONAL MATHEMATICS 2012 POLYGONS IN OUR LIFE Name: Class: Teacher: I/C number: CONTENT |No. |Title |Pages | |1 |Objectives | | |2 |Introduction | | |3 |Part 1 | | |4 |Part 2†¦show more content†¦Some other generalizations of polygons are described below. HISTORY OF POLYGONS Polygons have been known since ancient times. The regular polygons were known to the ancient Greeks, and the pentagram, a non-convex regular polygon (star polygon), appears on the vase of Aristophonus, Caere, dated to the 7th century B.C.[citation needed] Non-convex polygons in general were not systematically studied until the 14th century by Thomas Bredwardine.[20] In 1952, Shephard generalized the idea of polygons to the complex plane, where each real dimension is accompanied by an imaginary one, to create complex polygons.[21] [pic] The historical image of polygons 1969 SOME PICTURES OF POLYGONS METHODS OF FINDING AREA OF TRIANGLE Method 1: h b If you know base (b) and height (h) of the triangle, the following formula can be applied. 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