Graduation is coming up so soon and in May I will be walking across
that stage with my friends and then leaving Muncie, IN (finally) to
come home to Chicago. It will be such an exciting day for me as well as
my family and I can not wait to have a great time coming home and
celebrating with them and my friends since we will all be doing this
together and then moving to the city.
I think the worse part of growing up is that bills are going to start coming in and instead of handing them off to dad, they will start going straight to me. First of all, I will probably start paying my part of the cell phone bill. My dad said he is going to keep me on his plan for the next two years because it is actually cheaper for everyone to stay on the family plan. But I will start paying my part of it, which thankfully won't be too much.
Also, my dad will keep paying my rent so I can save up money when I start working (Thank you Dad) but I will be paying for groceries, utilities and so on. So from being a college student and not paying for anything except going to bars and late night food sessions to being an adult and living on my own and paying for my needs is going to be a huge, exciting and also scary step.
Another thing that I will have to start looking into is health insurance. I am going to be on my dads for a full year after I graduate still which will help out a lot. But then after that I will have to start looking around and comparing prices and plans to see what is the best one for me.
I am going to start looking soon with my dad and talking about what is the best one for me. Health insurance is a serious decision to make and I want to be able to make it educated. So I will probably look at how much it will cost to stay on my dads for me each month and then go from there and compare other prices and how they match up benefit wise to the one I already have, which is really good. Either way I am excited to be growing up and making this 'scary' next step into the real world.
I think the worse part of growing up is that bills are going to start coming in and instead of handing them off to dad, they will start going straight to me. First of all, I will probably start paying my part of the cell phone bill. My dad said he is going to keep me on his plan for the next two years because it is actually cheaper for everyone to stay on the family plan. But I will start paying my part of it, which thankfully won't be too much.
Also, my dad will keep paying my rent so I can save up money when I start working (Thank you Dad) but I will be paying for groceries, utilities and so on. So from being a college student and not paying for anything except going to bars and late night food sessions to being an adult and living on my own and paying for my needs is going to be a huge, exciting and also scary step.
Another thing that I will have to start looking into is health insurance. I am going to be on my dads for a full year after I graduate still which will help out a lot. But then after that I will have to start looking around and comparing prices and plans to see what is the best one for me.
I am going to start looking soon with my dad and talking about what is the best one for me. Health insurance is a serious decision to make and I want to be able to make it educated. So I will probably look at how much it will cost to stay on my dads for me each month and then go from there and compare other prices and how they match up benefit wise to the one I already have, which is really good. Either way I am excited to be growing up and making this 'scary' next step into the real world.
A while back when I looked into FHA loan requirements
there seemed to
be a lot of restrictions, but lately it seems like they have loosened a
lot of the requirements making it easier than ever to get a FHA loan.
Some of the basic requirements to get an FHA loan are that you have a
steady job, one that you have had for at least two years. Your income
during this time should have stayed the same or be increasing over this
period of time and your credit can have blemishes but should have a
minimum score of at least 620. Some people who don't have any credit
score at all may also be approved for an FHA loan.
If you have a bankruptcy than you must wait at least two years after that before you can apply for an FHA loan, and your credit must be perfect since the bankruptcy. You can apply if you have a foreclosure on your record, but it must be at least 3 years old again with perfect credit following that foreclosure. The mortgage you are applying for must be no more than thirty percent of your income prior to taxes.
If you are considering applying for a FHA loan, than it is a good idea to look over the guidelines as well as any additional paperwork that might be needed to help ensure the smoothest possible process with the best overall result, being approved for a FHA mortgage. You will find all this information is available and easy to access on the web and creating a checklist can really help you get all the information and documentation you need in order before applying. Being organized and thorough is the best way to slide through the process and straight into a new home.
If at first you are not approved don't be discouraged, just do the work and clean up whatever disqualified you this time through and apply again. You will find that the more familiar you become with the requirements the simpler it will be to complete the process a second time if need be.
If you have a bankruptcy than you must wait at least two years after that before you can apply for an FHA loan, and your credit must be perfect since the bankruptcy. You can apply if you have a foreclosure on your record, but it must be at least 3 years old again with perfect credit following that foreclosure. The mortgage you are applying for must be no more than thirty percent of your income prior to taxes.
If you are considering applying for a FHA loan, than it is a good idea to look over the guidelines as well as any additional paperwork that might be needed to help ensure the smoothest possible process with the best overall result, being approved for a FHA mortgage. You will find all this information is available and easy to access on the web and creating a checklist can really help you get all the information and documentation you need in order before applying. Being organized and thorough is the best way to slide through the process and straight into a new home.
If at first you are not approved don't be discouraged, just do the work and clean up whatever disqualified you this time through and apply again. You will find that the more familiar you become with the requirements the simpler it will be to complete the process a second time if need be.
I am a science major so really any class that does not have to do with
science or maybe math can be hard for me (and I am not interested at
all in it most likely). I hate that in college we have to take all of
these classes that seem to have no point and I will never use most of
the information in the future from a lot of them.
I did however take one class that I will remember forever. It was called personal financial planning and it was an amazing class to take as a college student. We talked about budgeting and where we wanted to be in five years and in ten years and how we can achieve that financially by starting now.
One thing that we talked about was credit cards and how important it was to handle them with care. I took this class right before the economy started to take a turn for the worst and I began to see first hand from seeing other people my age and across the country that this class was 100% right. I am so grateful that I took it.
We also learned a lot of other things that would be helpful in the future. Finding and researching insurance plans was something that we will all have to do and not many of us knew much about. We all, for the most part are still getting insurance through our parents, but in the next few years we will be having to find a plan for ourselves for health insurance and even auto and home insurance. So this class taught us how to research and look for what plans fit our needs and how to make an educated decision.
Finally, at the end of the semester we had to make a plan of where we would be in ten years. We had to go online and find a car and home and look up the salary for our major. Then we had to insure all of those things and make a budget for food and utilities and so on. This class made such a huge impact on me. I started putting more money in my savings account and focusing more on the future and planning for it. I am all for students having to take it before they graduate from college. Actually I think it should be a requirement for freshman.
I did however take one class that I will remember forever. It was called personal financial planning and it was an amazing class to take as a college student. We talked about budgeting and where we wanted to be in five years and in ten years and how we can achieve that financially by starting now.
One thing that we talked about was credit cards and how important it was to handle them with care. I took this class right before the economy started to take a turn for the worst and I began to see first hand from seeing other people my age and across the country that this class was 100% right. I am so grateful that I took it.
We also learned a lot of other things that would be helpful in the future. Finding and researching insurance plans was something that we will all have to do and not many of us knew much about. We all, for the most part are still getting insurance through our parents, but in the next few years we will be having to find a plan for ourselves for health insurance and even auto and home insurance. So this class taught us how to research and look for what plans fit our needs and how to make an educated decision.
Finally, at the end of the semester we had to make a plan of where we would be in ten years. We had to go online and find a car and home and look up the salary for our major. Then we had to insure all of those things and make a budget for food and utilities and so on. This class made such a huge impact on me. I started putting more money in my savings account and focusing more on the future and planning for it. I am all for students having to take it before they graduate from college. Actually I think it should be a requirement for freshman.
No matter what type of business you are in, it just makes sense to
order rubber stamps and address
labels from a reliable company to make
your life simpler. Using these items to mark your mailing envelopes can
really help save time, especially if you are in a business that does a
lot of mailing. It can be very time consuming to print labels off your
office printer and by the time all is said and done, you will probably
be paying much more for Purdue
address labels using this method over
purchasing them from a printing company.
Printing companies can create some very professional looking labels that will do their best to present your business in the best possible light. And putting these great labels onto your mailings can also work to help promote your business. Seeing your business name and logo imprinted on the label you put on your envelope to mail gives it a level of exposure that is unmatched by most other methods of advertising.
Rubber stamps can be imprinted with your address and logo as well to serve the purpose of return address placement, or even for other markings that you will put on your mailings like the type of mail service, first class, parcel post or media mail. These stamps also can serve the purpose for putting a signature line on a document that you need others to sign or to stamp any sort of disclosure information onto your paperwork. They can even be imprinted with your web address on them, so that you can just stamp this information onto each envelope before you drop it in the mail.
No matter how you choose to use these address labels and rubber stamps, they are truly a low cost item that can really cut down on labor costs and increase productivity. Great items that work hard in your business, why not order some stamps and labels today and begin reaping the benefits of using them for your everyday business needs. You can really get a lot more done keeping these items handy for all your mailing needs.
Printing companies can create some very professional looking labels that will do their best to present your business in the best possible light. And putting these great labels onto your mailings can also work to help promote your business. Seeing your business name and logo imprinted on the label you put on your envelope to mail gives it a level of exposure that is unmatched by most other methods of advertising.
Rubber stamps can be imprinted with your address and logo as well to serve the purpose of return address placement, or even for other markings that you will put on your mailings like the type of mail service, first class, parcel post or media mail. These stamps also can serve the purpose for putting a signature line on a document that you need others to sign or to stamp any sort of disclosure information onto your paperwork. They can even be imprinted with your web address on them, so that you can just stamp this information onto each envelope before you drop it in the mail.
No matter how you choose to use these address labels and rubber stamps, they are truly a low cost item that can really cut down on labor costs and increase productivity. Great items that work hard in your business, why not order some stamps and labels today and begin reaping the benefits of using them for your everyday business needs. You can really get a lot more done keeping these items handy for all your mailing needs.
Taking care of your body must be your main concern. In a world where so
many people are falling prey to bad diets and lack of exercise one
thing is clear obesity
and health problems are on the rise and people
are getting sicker from their lack of care for their bodies and of
course our general lack of moderation.
The bottom line is that supplements can really make all the difference when it comes to your health. There are general vitamin and diet supplements that really help, but there are also more specific ones like joint supplements, which can really help if you are experiencing problems with your joints. Remember if you are overweight though, that will put excessive burden on your joints as well, so if you find that you are having difficulties with your joints you may also want to consider diet and exercise as well as using some fat burners to help get your weight down. Studies have show that obesity is actually one of the main causes of joint problems, which actually makes a lot of sense, because if you weigh more than you should then your joints have extra wear and tear on them that will lead to long term damage if you are not careful.
Personally, I have found that I prefer using a hgh releaser, because it really helps me tone up. Many of the people I know who use them find that they really help build up muscle and keep away the fat. Working out has taught me a lot about my body and helping others work out has taught me about the human body in general and what it can do and what it can't. Observing bodies under the stress of working out, allows you to really see the difference between functioning with extra weight on your body and functioning with a lean well toned body. It is amazing to watch how fat really takes away from the long term function of a body.
If you want to have a better body, that feels better and functions well, then take some advice and use the supplements and fat burning products that are on the market. That combined with eating well and exercise will give you a much healthier body in the long run.
The bottom line is that supplements can really make all the difference when it comes to your health. There are general vitamin and diet supplements that really help, but there are also more specific ones like joint supplements, which can really help if you are experiencing problems with your joints. Remember if you are overweight though, that will put excessive burden on your joints as well, so if you find that you are having difficulties with your joints you may also want to consider diet and exercise as well as using some fat burners to help get your weight down. Studies have show that obesity is actually one of the main causes of joint problems, which actually makes a lot of sense, because if you weigh more than you should then your joints have extra wear and tear on them that will lead to long term damage if you are not careful.
Personally, I have found that I prefer using a hgh releaser, because it really helps me tone up. Many of the people I know who use them find that they really help build up muscle and keep away the fat. Working out has taught me a lot about my body and helping others work out has taught me about the human body in general and what it can do and what it can't. Observing bodies under the stress of working out, allows you to really see the difference between functioning with extra weight on your body and functioning with a lean well toned body. It is amazing to watch how fat really takes away from the long term function of a body.
If you want to have a better body, that feels better and functions well, then take some advice and use the supplements and fat burning products that are on the market. That combined with eating well and exercise will give you a much healthier body in the long run.
When I first heard of Michael
Pillsbury, I really was unsure as to who
he was. All I knew for sure was that Mike Pillsbury
was a name that was
associated with China. Someone said that there was an incredible book
called "China Debates the Future Security
Environment" that I must
read. I really didn't at first know if I wanted to read the book or not
because I really didn't know anything about this man, so I did what
anyone would have done, I began to look up information about who
Michael Pillsbury
is on Wikipedia
and I found out that he is best known
for his work in the Reagan administration where he functioned as
Assistant Under the Secretary of Defense. Apparently he was responsible
for a program known as the Reagan Doctrine.
In 1975 & 1976 Dr. Pillsbury was employed at the RAND Corporation and published several articles suggesting that the U.S. re-establish ties through military and intelligence with China. This initiative was supported by President Reagan and Henry Kissinger and went on to become US policy during the time when President Reagan and President Carter were in office.
By helping to increase the communications between the US and China, the US was able to gain more military knowledge in regard to China's military powers and intelligence abilities. Prior to these suggestions by Michael Pillsbury the United States remained relatively in the dark as to the military resources that China possessed. Gaps in knowledge create a detrimental situation when it comes to being able to protect ourselves against the military forces of other nations, and this is why Michael Pillsbury's contributions to this effort have been so important not only the Reagan administration but to the national security of the entire United States.
I also learned that there were two other books that cover his contributions to the US military and they are Clinton's Deputy Attorney General's book in 2008 "Living the Policy Process" and James Mann's "About Face" and in addition to that he also wrote another book called "Chinese Views of Future Warfare".
It is amazing how just one individual can change the course of history, and it is amazing that this man has done so much for the US and keeping us secure and yet I am just learning about who he is and what he has done. I am very much looking forward to reading his books and learning more about his contributions to our world.
In 1975 & 1976 Dr. Pillsbury was employed at the RAND Corporation and published several articles suggesting that the U.S. re-establish ties through military and intelligence with China. This initiative was supported by President Reagan and Henry Kissinger and went on to become US policy during the time when President Reagan and President Carter were in office.
By helping to increase the communications between the US and China, the US was able to gain more military knowledge in regard to China's military powers and intelligence abilities. Prior to these suggestions by Michael Pillsbury the United States remained relatively in the dark as to the military resources that China possessed. Gaps in knowledge create a detrimental situation when it comes to being able to protect ourselves against the military forces of other nations, and this is why Michael Pillsbury's contributions to this effort have been so important not only the Reagan administration but to the national security of the entire United States.
I also learned that there were two other books that cover his contributions to the US military and they are Clinton's Deputy Attorney General's book in 2008 "Living the Policy Process" and James Mann's "About Face" and in addition to that he also wrote another book called "Chinese Views of Future Warfare".
It is amazing how just one individual can change the course of history, and it is amazing that this man has done so much for the US and keeping us secure and yet I am just learning about who he is and what he has done. I am very much looking forward to reading his books and learning more about his contributions to our world.
In a struggling economy, with people struggling to make ends meet, it is a known fact that the crime rate is on the rise. Knowing this may make you a little more uneasy about protecting your home and your belongings. That is why now is the perfect time to consider purchasing a Home Security System. Home Security Systems can provide you with peace of mind when you are away from home, whether leaving your family to go out of town on business or traveling out of town on a family vacation, you know that there is someone looking out for your home, family and belongings when you are not there.
Home Security Systems can actually provide you with a feeling of security even when you are at home, letting you know if children open the door and go outside when you are still in bed on a Saturday morning or knowing that your family is safe from harm as they sleep at night. Knowing your family is safe from harm can relieve worries and stress from your life, especially if you are a business person who is out of town often.
The world has become a scary place, but knowing that you have a home security system in place lets you know that you will receive a phone call no matter where you are letting you know if there is a problem at your primary residence. And if you are at home and in danger, you will know that help is on the way.
I can't imagine living in today's world without a home security system. It is such a good feeling knowing that no one can get into your home without sounding off the alarm. Sometimes being home alone in the evenings you can find yourself getting a little creeped out but knowing your alarm system is activated gives you that extra feeling of security.
With the state of the world as it is purchasing a home security system is an affordable alternative to living in fear.
Home Security Systems can actually provide you with a feeling of security even when you are at home, letting you know if children open the door and go outside when you are still in bed on a Saturday morning or knowing that your family is safe from harm as they sleep at night. Knowing your family is safe from harm can relieve worries and stress from your life, especially if you are a business person who is out of town often.
The world has become a scary place, but knowing that you have a home security system in place lets you know that you will receive a phone call no matter where you are letting you know if there is a problem at your primary residence. And if you are at home and in danger, you will know that help is on the way.
I can't imagine living in today's world without a home security system. It is such a good feeling knowing that no one can get into your home without sounding off the alarm. Sometimes being home alone in the evenings you can find yourself getting a little creeped out but knowing your alarm system is activated gives you that extra feeling of security.
With the state of the world as it is purchasing a home security system is an affordable alternative to living in fear.
If you have ever shopped around for high quality modern furniture, than you know how difficult it can be to find a good deal on such item. Recently while shopping for bedroom furniture with modern design for my room, I found it very difficult to get a good deal. I went to the outlets and stuff that were local, with no luck. Then I tried a place that was 2 hours away because people were telling me that they had some really great discounted modern furniture. Well, it was discounted, but the furniture was not modern.
Finally, thinking that I was never going to find exactly what I was looking for, I proceeded to the internet to see what kind of deals I could locate. Sometimes, when I can not find what I am looking for locally, I will look on the internet to just see what they have available. I really thought that this might be a hopeless venture when they factored in shipping, because furniture can be very heavy and expensive to ship. Well, I found a site that had some incredible deals on modern furniture, and the prices, even with shipping were quite reasonable. I found a few different websites that offered some great deals. I decided to go with a black lacquer set with a platform bed and a dresser with a mirror and two night stands. The set was beautiful and the price was even better than that. Well, I placed my order, on my credit card of course, to make sure that they didn't take me for a ride, and I waited for my new bedroom suite to arrive.
Honestly, I didn't think that I could love this set anymore than I did when I bought it online, but when it arrived it was gorgeous. The handles were even nicer than they had appeared on the web and the furniture was good quality, you could just tell by how heavy the pieces were. I was really amazed that I couldn't find a good deal locally, but instead found such a great deal online. So remember the next time you are shopping for anything, always check the internet, you may be surprised by the deals that you find.
Finally, thinking that I was never going to find exactly what I was looking for, I proceeded to the internet to see what kind of deals I could locate. Sometimes, when I can not find what I am looking for locally, I will look on the internet to just see what they have available. I really thought that this might be a hopeless venture when they factored in shipping, because furniture can be very heavy and expensive to ship. Well, I found a site that had some incredible deals on modern furniture, and the prices, even with shipping were quite reasonable. I found a few different websites that offered some great deals. I decided to go with a black lacquer set with a platform bed and a dresser with a mirror and two night stands. The set was beautiful and the price was even better than that. Well, I placed my order, on my credit card of course, to make sure that they didn't take me for a ride, and I waited for my new bedroom suite to arrive.
Honestly, I didn't think that I could love this set anymore than I did when I bought it online, but when it arrived it was gorgeous. The handles were even nicer than they had appeared on the web and the furniture was good quality, you could just tell by how heavy the pieces were. I was really amazed that I couldn't find a good deal locally, but instead found such a great deal online. So remember the next time you are shopping for anything, always check the internet, you may be surprised by the deals that you find.
The summer is a wonderful time in the life of a fraternity member. We don't have to worry about many of the things that your average student does. I won't have to look for a new apartment for the fall and I don't even have to take classes to keep living here like people in the dorms. On top of this I still have a place where I can party whenever I feel like it. We also have freedoms that renters don't. I have a friend who can't leave his apartment empty for more than five days without paying extra so the landlord can keep up on the chores of the house. We definitely do not have anything here like that.
Now without classes and the majority of the student body being out of town for the next few months, it may seem like our lives here would get pretty boring. This of course is not true since we still have the organization of the fraternity to worry about. This inclusion is something that won't really ever go away for any of us even long after we have graduated and gone on to bigger and better things. My task for the summer has shifted from being a freshman servant for the last year of my life to being the interior decorator of the frat. I have to go around and do an inventory of all of the things which need replaced or updated to keep us up to code and to keep us functioning for as long as possible in the next year without having to buy any new supplies for house repairs or updates. These are the more technical things though because I also get to go out and find new bar stools since some were broken during the course of the year. We also need Counter Stools for the kitchen since we are getting it remodeled in July and then we'll have a full time cook as well.
This summer should be pretty fun for me here, all things considered. I'll get to lay in the sun and study code. I hit the bars and the hit the home furniture stores. I'll chill by the pool and then go home and try out my new Dining Chair which I will be having personalized for myself as part of a set for everyone. We'll see though, it might be more exhausting than I know.
Now without classes and the majority of the student body being out of town for the next few months, it may seem like our lives here would get pretty boring. This of course is not true since we still have the organization of the fraternity to worry about. This inclusion is something that won't really ever go away for any of us even long after we have graduated and gone on to bigger and better things. My task for the summer has shifted from being a freshman servant for the last year of my life to being the interior decorator of the frat. I have to go around and do an inventory of all of the things which need replaced or updated to keep us up to code and to keep us functioning for as long as possible in the next year without having to buy any new supplies for house repairs or updates. These are the more technical things though because I also get to go out and find new bar stools since some were broken during the course of the year. We also need Counter Stools for the kitchen since we are getting it remodeled in July and then we'll have a full time cook as well.
This summer should be pretty fun for me here, all things considered. I'll get to lay in the sun and study code. I hit the bars and the hit the home furniture stores. I'll chill by the pool and then go home and try out my new Dining Chair which I will be having personalized for myself as part of a set for everyone. We'll see though, it might be more exhausting than I know.
In my cell biology class the other day we had an ethics talk about new
things coming out and what is right or wrong in our opinion. An article
came up about two parents who were deaf and they wanted their son or
daughter (they didn't care boy or girl) to be deaf as well. So they
told the doctor to pick the embryo that would produce a child that was
deaf
like them so that the child could fit into their family better.
We talked about how we felt about this and most of the class thought that is wasn't right for the parents to be able to decide that for the child. Without the child knowing he was destined for a life of hearing aids and struggles. Of course it isn't terrible to be deaf, but having to wear hearing aids and having problems causing them to frequent doctors' offices shouldn't be what parents wish upon their children.
It was really a heated discussion. Most of the class agreed that the parents were wrong to do this (it is like wishing your child had a disorder or disease) but one person thought that parents should be able to do whatever they want with their embryos.
If I was a parent who decided to do this I would definitely need some sort of sleep aid to go to bed at night. I am completely against this and feel that you should want your child to be healthy in any way possible and should love them the way that they come out.
We went on to talk about a lot of other topics as well like knowing what diseases your embryos may carry and insurance policies and testing on humans and so on, but this one topic really stood out to me and stuck in my mind. I feel like people shouldn't be able to change who you are before you are born without you having any say in it. I guess though that's an issue that I will have to deal with in the field that I am going into (pharmacy and research) and I will need to form a strong opinion on my beliefs before I enter the field. I definitely want to practice fair and impartial medicine when I'm a pharmacist one day but then at the same time I need to make sure that I stay true to everything that I believe in.
We talked about how we felt about this and most of the class thought that is wasn't right for the parents to be able to decide that for the child. Without the child knowing he was destined for a life of hearing aids and struggles. Of course it isn't terrible to be deaf, but having to wear hearing aids and having problems causing them to frequent doctors' offices shouldn't be what parents wish upon their children.
It was really a heated discussion. Most of the class agreed that the parents were wrong to do this (it is like wishing your child had a disorder or disease) but one person thought that parents should be able to do whatever they want with their embryos.
If I was a parent who decided to do this I would definitely need some sort of sleep aid to go to bed at night. I am completely against this and feel that you should want your child to be healthy in any way possible and should love them the way that they come out.
We went on to talk about a lot of other topics as well like knowing what diseases your embryos may carry and insurance policies and testing on humans and so on, but this one topic really stood out to me and stuck in my mind. I feel like people shouldn't be able to change who you are before you are born without you having any say in it. I guess though that's an issue that I will have to deal with in the field that I am going into (pharmacy and research) and I will need to form a strong opinion on my beliefs before I enter the field. I definitely want to practice fair and impartial medicine when I'm a pharmacist one day but then at the same time I need to make sure that I stay true to everything that I believe in.