How to prepare personal monthly budget?

Making and maintaining a budget need is not frightening, alarming, or difficult. I realised this, and I am practicing preparing personal budget since two years. I am successful in doing so and now I could plan my yearly budget also. What you need to know is, planning budget is not an overnight fix and will take time and effort to adjust to. It also takes a few weeks to see results. A budget affects everyone in the family. There may be emergencies or sudden and unexpected expenses at any time.

To plan budget, paper, pencils, and a calculator are required. On one sheet of paper prepare list of your expenses along with the dates each payment is due. It should include Household Expenses like Rent, Utilities, Phone, Insurance, Internet, Car Expenses like Gas, Maintenance, Insurance, Credit Cards expenses like Visa, MasterCard, Medical Expenses like Insurance, Prescriptions, Personal Expenses like Clothing, Schooling, Vacation, Entertainment. On another sheet of paper prepare the same type of columns for your credits or earnings. This should include paychecks, cash in the bank, expected bonuses etc that are considered as a regular income or is cash you already have on hand. Add or total expenses and income separately. Subtract your expenses from income. If the result is positive number, you are in safe state. If the result is negative, then expenses are more than income.

Try to save money, gradually the result becomes positive.

Factors to be considered in finding the Right Apartment for the students

There are thousands of students who are about to leave the academic world setting to head into the professional world. Among their many considerations is deciding where to live and how much they are willing to pay for rent. Finding the right sacramento apartment, whether for one person or a group of people, can be a tough proposition for the uninitiated. However, students and graduates can find the right rental for them after considering a few factors.

The first, and most common, criterion for finding the right apartment rental for the students is price. Monthly payments, deposits, and utilities need to be considered by signing any rental agreement. Students and new graduates do not have a lot of money so they should consider living with other people to defray costs. However, students need to first build a realistic budget before heading into the rental market. The standard budget for an apartment should include between 25 and 33 percent devoted to rent, to ensure that bills and debts can be paid off.

Another standard necessary for students looking for apartment rentals is the lease terms for a specific unit. Students and graduates who find the right place need to look for long term or automatically renewing leases for the duration of their studies. However, many students need to remain flexible and should seek out shorter lease terms or flexible rental agreements. Students do not want to be stuck with leases during overseas travel or a detour into the working world.

Many students look at these two factors alone in their initial philadelphia apartment search rentals. However, students also need to determine if their apartment is close enough to work and entertainment for easy transit. Students and graduates need to either be close to public transportation so they have access to easy transit from one point to another or have an apartment close enough for easy travel by car. The right geographical location is critical for the student on the go.

Finally, students looking at apartment rentals need to use their intuition as the final arbiter of the right apartment for them. The factors mentioned above, as well as others like the right amenities, are great to eliminate a long list of apartments. However, students need to look through apartment rentals and feel comfortable in the place that will be their home for a significant period of their young lives.

History of University of Chicago Press

The University of Chicago Press is the one of the oldest operating in the United States, it was started in 1891. Its first book was Robert F. Harper's Assyrian and Babylonian Letters Belonging to the Kouyunjik Collections of the British Museum. In 1900, the Press had published 127 books and pamphlets and 11 scholarly journals, including the still-thriving American Journal of Sociology, the Journal of Infectious Diseases, and the Journal of Near Eastern Studies. For its first three years the Press was an entity completely divide from the University; it was operated by the Boston publishing house D. C. Heath in combination with the Chicago printer R. R. Donnelley. This arrangement proved unworkable, however, and in 1894 the University officially took responsibility for the Press. It started to publish books by scholars outside the University of Chicago in 1905. By 1931, the Press had established itself as a leading academic publisher. Leading books of this era were: Dr. Edgar J. Goodspeed's The New Testament: An American Translation (perhaps the first nationally successful Press title) and its successor, Goodspeed's and J. M. Povis Smith's The Complete Bible: An American Translation; Sir William Alexander Craigie's A Dictionary of American English on Historical Principles, published in four volumes in 1943.

In 1966, Morris Philipson began his tenure as director of the Press, a position he occupied for 33 years. Philipson dedicated time and resources to building the backlist of the Press. Philipson became known for taking on determined scholarly projects, among the largest of which was The Lisle Letters a vast collection of 16th-century correspondence left behind by Arthur Plantagenet, First Viscount Lisle, containing a wealth of information about all aspects of life in that era. While the scholarly output of the Press expanded, the Press also made strides as a trade publisher when both of Norman Maclean's books A River Runs Through It and Young Men and Fire made the national best-seller list in 1992 and Robert Redford made a movie of A River Runs through It. The Press also publishes regional titles, such as 1999's One More Time: The Best of Mike Royko, a collection of columns by Mike Royko, who was a Pulitzer Prize winning Chicago Tribune newspaperman. In 1982, Philipson became the first director of an academic press to win one of PEN's most prestigious awards, the Publisher Citation. Shortly before he retired in June 2000, Philipson was awarded the Association of American Publishers' Curtis Benjamin Award for Creative Publishing, an award given to a person whose "creativity and leadership have left a lasting mark on American publishing."

The practical application of thought experimentation

A thought experiment in the broadest sense is the use of a hypothetical scenario to help us know the way things actually are. There are many different types of thought experiments. All thought experiments, however, employ a methodology that is a priori, rather than empirical, in that they do not proceed by observation or physical experiment. Thought experiments have been used in a variety of fields, including philosophy, law, physics, and mathematics. In philosophy, they have been used at least since classical antiquity, some pre-dating Socrates. In law, they were famous to Roman lawyers quoted in the Digest. In physics and other sciences, distinguished thought experiments date from the 19th and particularly the 20th century, but examples can be found at least as early as Galileo. Thought experiments often introduce interesting, important and valuable new perspectives on old mysteries and old questions; yet, although they may make old questions unrelated, they may also create new questions that are not easy to answer. In terms of their practical application, thought experiments are generally created in order to:

• Challenge the current status quo (which includes activities such as correcting misinformation (or misapprehension), identify flaws in the argument(s) presented, to preserve (for the long-term) objectively established fact, and to refute specific assertions that some particular thing is permissible, forbidden, known, believed, possible, or necessary);
• Extrapolate beyond the boundaries of already recognized fact;
• Predict and forecast the indefinite and unknowable future;
• Explain the past;
• The retrodiction, postdiction and postcasting of the indefinite and unknowable past;
• Facilitate decision making, choice and strategy selection;
• Solve problems, and produce ideas;
• Move current problems into another, more helpful and more productive problem space
• Attribute causation, inevitability, blame and responsibility for specific outcomes;
• Assess culpability and compensatory damages in social and legal contexts;
• Ensure the repeat of past success;
• Examine the extent to which past events might have occurred differently.
• Ensure the (future) avoidance of past failures.

Geography And Ecology Of The Everglades

The geography and the ecology of Everglades represent a complex system of the interdependent elements in all the southernmost area of the state of the US of Florida. The River of the grass of metaphor given by Marjory Stoneman Douglas in 1947 represents only one part of the system. The identified sector as Everglades was in the beginning a complex of the marshes and meadows 4.000 square miles (10.000 km²) in the face in all five counties. Before the first attempt to evacuate Everglades in 1882, whose whole dividing line Everglades is a part, prolonged Orlando with the compartment of Florida comprising the dividing line of Okeechobee-Everglades of Kissimmee-Lake (KLOE). The exits of river of Kissimmee run in the lake Okeechobee, which puts back 18 feet (5.5 m) above sea level during the rain season where the lake exceeds its capacity, it pour slowly above the southernmost rim of the lake and run 100 miles (160 kilometers) in the compartment of Florida. The change of gradient is so light that the river moves the miles of 5 (0.80 kilometer) one day. Prosperous Sawgrass in this river, and domination of the sawgrass in the fresh water marshes, or Slough, is the principal characteristic of what is generally known like Everglades.

However, much of ecosystems are interlaced with Slough, and the borders marking them are subtle or do not exist at all. These systems also undergo the constant changes due to the environmental factors, and the shift, develop and narrow, die, or reappear in years or decades. Geographical devices such like Western Flatwoods, Eastern Flatwoods, and Atlantic coastal edge affect models of drainage. The geological factors, the climate, and the frequency of the assistance of fire to be created, maintain, or replace the ecosystems in the shark River Valley, the large marsh of cypress, the coastal sectors and the forests of mangrove. The author Michael Gunwale wrote the first perceptions by observers, If the large throat was an amazing painting, Everglades was a complex drama, and all in him had role

Robot Suit for Rent

The Hybrid Assistive Limb (HAL) or the Robot Suit is a cyborg type robot that expands and improves the physical capability of a human. It s a computerized suit with sensors that read brain signals directing limb movement through the skin. Based on the signals obtained, the power unit is controlled to move the joint unitedly with the wearer's muscle movement, enabling to support the wearer's daily activities. At present it doesn’t possess any feature to make a normal human being to a super hero. But it helps the people, who have disabilities due to stroke and/or spinal cord injury and to the people with weakened muscles, to use their limbs normally. It has the capability to multiply the original strength of a person to 10 times.

Presently it is recommended not to use it outdoors; but there are continuous efforts going on to make it usable for people in mountain climbing and other similar jobs.

The cost of this mighty suit is not estimated yet because the manufacturers are not interested in selling it. But it is available on rents in Japan for $2,200 a month. There are also one-leg versions of this suit available for $1,500, monthly rental fee.

Asian Oil Prices Rise Up

The price of oil has increased to $69 a barrel after rallying stock markets in Asia buoyed investors. US light crude oil for September delivery climbed 63 cents to $68.68 a barrel. London Brent crude rose 77 cents to $71.09 a barrel.

Asian markets received strong gains on 27th July hoping that corporate earnings will be better than expected.

Japan's Nikkei 225 index closed 144 points higher at 10,088.66. Hong Kong's Hang Seng was up 1.35% at 20,251.62. A faster rebound in Asian economies would offer still more support for oil prices in the future.

The oil demand leads to economic growth in Asia than in other regions. The economic growth is also estimated on the upside also appears to be more in Asia. Determining the speed of adjustment in oil products will be the pace of recovery in Asia.

Oil prices are still far below the peak of $147 a barrel that was reached in July last year.

How to have a convincing handshake

Handshake is a general way to greet people. The following steps will teach you how to shake hands that makes the other person more receptive to your ideas, which are very useful at work or at any social gathering.

• Put your hand on top to dominate the handshake. Your palm should be facing the floor when you shake the person’s hand, whom you want to dominate. This makes the person feel submissive and makes us easy to convince or persuade him during the interaction.If someone does this to you, move to their side forcing them to turn towards you. This makes easy for you to put your hand on top.
• Form a personal connection with the handclasp. This is very effective in sales and social situations. When you are shaking hands, use the other hand to cover the back of the person’s hand. This builds emotional connection and is more appropriate when you want to establish rapport and show sympathy. Also, make sure that you are not overbearing. Instead, place two fingers on the back of the person’s hand for two to three seconds.
• Grasp the person’s elbow for greater influence. While shaking hands take your other hand and grasp the person’s elbow for brief two to three seconds. We can observe many political leaders doing this while campaigning.
• Put your hand on their shoulder. While shaking hands with the person place your left hand on their shoulder. This gives you great control over their body and makes them feel emotionally vulnerable as well. This is very common method in Arab countries.
• It is very important to maintain eye contact while shaking hands.
• The grip is key. It should be neither strong nor weak from the basic firm grasp. Otherwise, you will leave a negative impression.

Hotel Industry Losing Millions of Dollars

Unorganized sales procedures and lack of proper training to the staff; these factors are making the hotel industry to lose some millions of dollars every year.

A press release from Hotelepacket.com said that the irregularities in these two factors are costing the hotel industry around $600 million to $1.2 billions annually. The article contains much interesting facts over bad practices followed in the industry in terms of sales and offering services.

For example, a part of the article says that most of the websites of the hotel industry are standing as a resemblance to the technical skills of web designers rather than helping the business to get some good customers. The article also gives the results of a study where it was found that 85 percent of the businesses who successfully deliver their complete sales information and pay personal attention to the guest, within the first inquiry, are most likely to win it.

God is with Obama! God be with Obama!

I liked how Obama ended his Inaugural speech. He said “...God bless the United States of America…”

He believes in God and it is this belief that made him come across all the obstacles since his childhood. He was the son of a Kenyan father who came to pursue his studies in America as a foreign student. His parents broke up when he was only two years old. He had gone through all the hardships in an environment desperately fed by racism. He has gone through a bad childhood. He left his favorite Basketball; he was into drug abuse and all such kind of hell. And every time it was his faith that helped him to confront the hardships and become a successful professor in a reputed university.

And it is obvious that it is his belief that gave him the confidence to compete with several White candidates and become the first Black-President of America.

I wish Obama retains the confidence; because America is into so many troubles and it is in his hands to resolve and clear all this mess in the nation. God be with Obama, to bring America its glory back…

Reasons for Breaking up Relationships

Everything has two aspects both good and bad. Same can be with relationships. They are complex in nature and have many reasons to fail. Fear of rejection and unrealistic expectation are also being reasons for breakup of relations.

Relationship related to business or friendship or even romantic often fail due to dissatisfaction of either the partners or a single partner. Realistic expectations is goal of every relationship, it is difficult to find the accurate solution for problems in relationship but everyone tries to find the extremes of the problems and avoid the effort to solve the problems.

Some has opinion of individual thinking and compromise of one partner can also be problem in health relation. If you are not willing to accept the person in any relationship, unavoidably disappointment arises and relationships slowly become a failure.

Partners try hard to escape from the fear of rejection but don’t try to solve it. Meanwhile without having any knowledge the relationship ends or becomes a failure.