Personal Financial Planning(JOE)

Reference:
Lawrence J. Gitman and Michael D. Joehnk. (2005). Personal Financial Planning. P32-34.

Summary:
In Lawrence J. Gitman's and Michael D. Joehnk's book " Pepsonal Financial Planning", the authors tell us what assets are and how much money you have. In the authors opinion there are four kinds of assets. The first one is liquid assets, liquid assets are the things can change to cash and not devalued. the second is investments, and it's hard to know what is investments. Investments are pay for money fires and can get more money back after a long time. Third is real property, the real property is things used every day and can appreciate. The last is personal property, the personal property is things that can move but these can't appreciate. It will be devalued. In this articles, the authors also tell about the liabilities, and they tell you how much money you have and what to do with your libilities. Use different ways to do between long-term and short-term libilities. The authors also tell us what can be listed on a balance sheet and what can't.

Abstract

Russia's population is shrinking. This research paper argues that the best solution that Russia should use in order to stop its population from declining is decreasing its death rate. There are three steps that Russia should take to decrease its death rate. Russia should provide an enduring health care system, decrease the consumption of alcohol, cigarettes and drugs, and stop abortion.

Ghost Festival

YUMIN

There is a traditional holiday called Ghost Festival in Taiwan. It is really different from Halloween. Almost whole August is Ghost Festival. There are many ghosts that are released from hell. The ghosts will come to eat even they will find someone instead. My grandparents always ask me to leave away streams or ocean because old people believe the water ghosts are bad. It is a serious festival, we are not celebrating it happily. Recently, more and more people don't care about the legends. We still go to swim and travel in August. The Ghost Festival always let me scare and get a lot of stress when I was child. So I really hate this festival when I was young. I didn't go out because many activities which about Ghost Festival on the road. It was easy to make me think about ghosts. I had a lot of nightmare during this month. However Halloween seems a happy holiday though it is respect death. Adults and children can have fun in this day. So, I like Halloween more. But, there is one thing between these two holiday. Children also can get candy in the Ghost Festival. People want to give candy to the ghosts by this way. It is also a religious day when monk will help some of the ghost to be human again not to stay at hell forever. Those are different among Halloween and Ghost Festival.

Botian FE#4

The Moonlight Day

The Moonlight Day is the traditional day in China. It is one of the biggest holidays in China. All the members of family will go to the oldest person’s family to have a dinner and see the beautiful moon. Also, do not forget the moon cake. It is really delicious. In recent years, we eat moon cake and watch the slow about Moonlight Day. That is fantastic. It is completely different from Halloween. In Halloween, people wear some very special clothes and make much fun outside. People have parties and celebrate Halloween. However, Moonlight Day is different from Halloween. In China, we just stay home and watch the moon and say something fun. We are happy but it is not like people on Halloween day. They are crazy. Although, Halloween and Moonlight have many differences, I still like both of them. In China, I like Moonlight Day. In the U.S., I like Halloween

Chicago City

The city I want to talk about contains the highest building in United States (US), which was the highest building in world before ten years ago. This city is Chicago in Illinois State, which is one of the biggest cities in US. There are three reasons why I recommend my friends or classmates to go to Chicago. First, there are a lot of museums in Chicago, such as science museum, historical museum, and art museum. It is really great idea to see many new things in those museums. Next, if you can go to the Aquarium, it is very useful because you can see all kinds of sea animals, for example, turtle, fish, and so on. This is the interesting thing I recommend to my classmates this term to go to, because it is related to our research paper topic. Finally, they can go to Millennium park; it is really wonderful. You can see different chaps in this park. There is something their like a big mirror ball, you can take a good photo to yourself. In conclusion, you should visit this city if you have not yet because you can see many museums, you can find your sea animals in the aquarium and you can have fun in Millennium Park. So , you should try to go there.

City I have visited

I have visited a couple of cities not including my hometown. Some of these towns are beautiful places and others are not so bad. Bangalore is the economical city in India. I visited this city in February 2006 when I was 17 years old. Bangalore is not a fantastic city, nor bad; there are some places that if you visit them you will say that it is clean and it is one of the developed cities. On other hand, you will say it is a very poor city and so dirty in other places. I like it because of some reasons. First, most people there can speak English, and I did not have much trouble about communication. Second, the living expenses there are not very expensive, and you can find a lot of places to enjoy yourself. There are many tourist places like museums, fairs and clubs, most of the common things you would like to be involved with. Third, I did not have troubles with food or meals because there are international restaurants and supermarkets from different countries. Thus, nothing will make you sad or homesick, because whatever you want you will find it. Finally, in this city I did not suffer anymore despite of my age; I got a lot of experience that helped me with how to deal with different kinds of people and how to behave and treat the older people.