Journal Assignment free essay sample

As you reflect back on this budgeting assignment, what are the most personally important facts or concepts you learned? I learned that if you take more units, a full-time student, you will be able to save more. You can have lower student loans and be able to finish much faster. As a student, we need to consider and take full advantage of the grants and scholarships that is eligible and available to us. This helps towards our goal in paying off our student loans. 2. How does what you learned or realized relate to or impact your personal, educational, and career goals? What I learned and realized that education is important. We can’t avoid not having student loans ,but we can try to use as much as grants and scholarship as we can. We also need to keep in mind that we need to learn how to budget ourselves because we don’t want to end up paying high amount of payment every month. We will write a custom essay sample on Journal Assignment or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page We need to save up and use our money wisely for necessities and not material things. When we finish school, we can then apply for jobs that is well in pay and can afford our everyday living. 3. Do you feel prepared to enter student loan repayment and understand how to get started? So far, I’ve been saving up money and putting aside extra income I receive from my paycheck. This also includes any refund I receive from my school and will use it to repay for my student loans. I am aware of how much interest there is to pay for my student loans and I know that I can begin repaying after 6 months I graduate, which is fair enough for me to find a job and get paid enough to pay for my student loan. 4. What money-related questions do you still have? How will you get the answers you need? So far, I don’t have money-related questions but I do know that I can reach and contact my financial advisor for any financial matters regarding my schooling. 5. How will you apply the lessons of this activity to your own life? The lessons I’ve learned from this activity is how to protect your credit. It is important to our own life because it’s good to establish good credit when we apply for other future loans such as home or car loans. Learning how to handle your money wisely can be a positive thing as we grow old and may need to use it when we retire. 6. With all these money matters in mind, what is your next financial step toward achieving your goals? The next financial step is to pay off my car loan and credit card debt. I will continue to pay because my student loan will add up to my debt . It is better to start paying early so I can pay all of my debt and save up for retirement.

Top 10 Websites for Book Lovers

Top 10 Websites for Book Lovers Top 10 Websites for Book Lovers Top 10 Websites for Book Lovers By Sharon There is something magical about reading books. Whether you like fiction or non-fiction, fantasy or sci-fi, there are many books out there. Still, it isn’t always easy to make a trip to the bookstore or library to find that specific book that you are looking for. If you find yourself itching for a new read, reviews, or discussion, here are 10 websites that every book lover should check out. 1. Goodreads Goodreads is one of the best websites for booklovers that want to read the latest reviews, interviews, feedback, and plot discussion. Look, most of us called R+L=J in â€Å"A Song of Ice and Fire.† All the clues were there, but if you didn’t, you could have easily have read that theory on Goodreads. Where are we going with this? You should use Goodreads if you want all the details about books, new and old, and want to discuss them with other likeminded individuals. 2. Project Gutenberg Who doesn’t love free books? Project Gutenberg is the oldest and largest collections of free books on the Internet. To date, it boasts well over 49,000 titles and it continues to grow each year. The project aims to publish all books that have surpassed their copyright dates. The website even caters to audiobooks fans seeing as it has a large collection of them readily available. 3. Amazon You might think this is a lame one to feature in a book lover’s list, but is it? Amazon completely changed the book market and made books more affordable and accessible. Sure, Barnes Noble had a warm vibe, but let’s not kid ourselves, they overcharged for their books. There is something special about ordering a book and having it delivered to your doorstep in 1-2 days. It is because of this that Amazon has been featured on this list. 4. Whichbook Whichbook won’t win any design awards, but it works. This website helps you choose what book to read next. Users can interact with several personality sliders to help them decide what book they should read next. The sliders include happy and sad, funny and serious, safe, and disturbing, gentle and violent, and many others. The website also offers other ways to help you screen news books. If you ever find yourself struggling to pick your next book to read, let Whichbook help you choose. 5. ReadPrint ReadPrint is a lot like the Project Gutenberg. It features a lot of free books that can be downloaded and accessed across all of your devices. Topics include classics like Shakespeare all the way to science fiction. 6. Google Book Search Google is considered the king of search. It shouldn’t come as a surprise that they would be featured on a list that is designed to help you find book-friendly websites. What makes Google Book Search neat is the fact that you can search for specific lines of text from a book and it will tell you various locations where you can buy it. Google’s database also features free works like books, magazines, journals, and various e-books. 7. Indie Store Finder Are you craving that small bookstore feel? Indie Store Finder is the perfect tool for any book lover that is located in the United States. Simply plug in your zip code and Indie Store Finder will provide you with a list of all nearby independent book stores. 8. AddAll.com Look, it’s perfectly fine to want to find the best price for the books you buy. Who wants to pay more, especially if you are buying a book that is mass produced? AddAll.com lets you compare books across the various major book retailers, helping you find one that is close to you and cheap. Users can search by title, shipping destination, price, and state. 9. Comics Alliance Comic books count as books, alright? They have the word book in their name. Jokes aside, the Comics Alliance is a great website for comic book lovers. It features the latest news, releases, opinions, merchandise, and much more. Comics Alliance really is the be-all-end-all of comic books. You’ll never be out of the loop when it comes to comic books if you bookmark this website. 10. Book Cover Archive While you should never judge a book by its cover, you can admire beautiful book covers for the art that they are. In our fast-paced world, it is important to slow down and admire true artistic beauty. The Book Cover Archive features thousands of book covers organized categorically by title, subjects, authors, and several other unusual categories. If you think we missed an important website, feel free to let us know below. We’d love to know what other websites exist out there for book lovers. Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Book Reviews category, check our popular posts, or choose a related post below:Wether, Weather, Whether"Gratitude" or "Gratefulness"?5 Ways to Reduce Use of Prepositions

Income Tax and Corporation Tax in the United Kingdom Essay

Income Tax and Corporation Tax in the United Kingdom - Essay Example The paper tells that historically, taxation in Britain was collected from serfs who paid rent to their landlords in return for protection. However, in the 1600s, a unified land law was passed which vested control and power to the Crown. Land and property taxes were collected from each landowner to support the government. In the 1800s, income tax was introduced, first to support wars and eventually, to support the UK government's deficit. Currently, Her Majesty's Revenue & Customs (HMRC) is in charge of collecting taxes in the United Kingdom. There are several types of tax that are payable periodically by certain entities in the UK. They include Income Tax, Corporation Tax, Duties on goods and services, National Insurance Contribution, Value Added Tax and Fuel Duty. All these taxes have different laws and guiding principles. This tax is levied on the profits of businesses. Corporation tax is calculated on the annual income of a business. It was first introduced in the Finance Act 1965 . Corporation tax in the UK is currently regulated by the Income & Corporation Tax and its subsequent amendments. According to Sections 6 and 11 of the Income & Corporation Tax Act (ICTA), corporation tax must be paid by three main groups of entities: 1. UK resident companies. This include companies that are incorporated in the UK. 2. Non-resident companies in the UK carrying out trade through a permanent establishment and 3. Unincorporated bodies which are not partnerships that fall within the scope of the tax like societies and voluntary associations. Section 8 of the ICTA (1988) indicates that there are two types of profits that are taxed in the corporation tax (McLaughlin, 2011): 1. The worldwide income of a UK resident company. This includes all the earnings of all the operations of such a company around the globe. 2. For non-resident companies that have permanent establishments in the UK, corporation tax is levied on the income of the UK permanent establishment. The Act goes further to define 'profits' to include revenue or income from three main sources (McLaughin, 2011). The first is the revenue accrued from normal operations of the company. The second is capital gains which encompasses revenue from the sale of an asset in an accounting period. Finally, profits include investment income and revenue from dividends and other earnings from other investments. The term 'accounting period' comes with complications. Depending on the circumstances of a business, 'accounting period' can be an event that determines the commencement o r termination of trade like the start of business or the termination of business (Section 12). An accounting period is normally required to last for a period of 12 months. In most cases, the financial year begins on 1st April and ends on 31st March of every year. Where the accounting period overlaps this period, it must be apportioned appropriately and taxes are calculated as required. In 2011, the corporation tax was 26%. Companies that earn between ?50,000 and $300,000 will be subjected to a lower tax rate of 20%. There are some marginal reliefs that are calculated for companies that earn profits between ?300,000 and ?1,500,000. This marginal relief ensures that such companies pay between 20 and 26%. However, companies earning over ?1.5 million in profits have to pay the full 26% of corporation tax. Income Tax Income tax is on an individual's earnings. It is calculated annually. It applies when a person earns beyond a certain amount, this is known as 'taxable income' (HMRC Income Tax, 2012). There are some reliefs and allowances that are granted to individuals in order to