...Total Money Makeover Book Review So, you’re making payments on your car, your furniture, your house and your credit cards. In other words, you’re a typical American…and you’re in trouble. You’re behind on your payments and see no earthly way to dig your way out of your miserable pit. You need Dave Ramsey. Dave Ramsey is direct, he doesn’t sugar-coat his advice. He’ll tell you what’s smart and what’s not so smart. He won’t tell you that the road out of debt is always easy. Ramsey gives a step by step approach to getting out of debt, saving and investing for the future, but he also gives you more. People in financial trouble, such as myself, need more than a method; they need hope. Ramsey offers hope by telling you from his personal experience and the experiences of others. This book gives the wisdom you need, but additionally gives testimony after testimony of people who were in serious debt and became debt free, as I am on my way to becoming by following his advice to, deal with your denial, don’t swallow the lie that debt is a tool, start a lifetime quest to learn more about money, setting up a budget, and taking the baby steps toward financial freedom. Deal with your denial Before chapter one begins, Dave Ramsey explains that his book is neither sophisticated nor complicated. I found this to be true as I began reading along. Given that I was already feeling defeated about my financial situation, Dave Ramsey did very well by providing several laughing opportunities...
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... (Concise statement of each legal argument advanced) 2. 3. Conclusion ADDENDUM AND ITS INDEX Order Denying Motion for New Trial and Memorandum [SEE RCAP 130.02] * * * * * * TABLE OF AUTHORITIES Statutes: The request for Production No. 4 should be denied based solely on F.R.C.P. 26(b)(3). Minn. Stat. § 518.58 (2012) Cases (list applicable authorities and page where argument found) Lafate v. Vanguard Group, Inc., 2014 U.S. Dist., see e.g.; Safco Prods. Co. v. WelCom Prods., 730 F. Supp. 2d 959, 11(D. Minn., 2010). Pg. 5 Burns v. Hy-Vee, Inc., 2002 U.S. Dist. Lexis 23662 (D. Minn., November 21, 2002, Decided). Pg. 6 Taylor v. Southwestern Bell Telephone Co., 251 F.3d 735, 740 (8th Cir. 2001). Pg. 6 Kaufman v. W. Sugar Coop., Inc., 2007 U.S. Dist. LEXIS 64464 (D. Neb. Aug. 29, 2007). Pg. 7 Onwuka v. Federal Express Corp., 178 F.R.D. 508, 517 (D. Minn. 1997). Pg. 7 Haselhorst v. Wal-Mart Stores, Inc., 163 F.R.D. 10, 11 (D. Kan. 1995). Pg. 7 Ercegovich v. Goodyear Tire & Rubber Co., 154 F.3d 344, 351(6th Cir. 1998). Pg. 7...
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...Cynthia Sass, MPH, RD, contends in her health.com article, “5 Steps to Quitting Artificial Sweeteners,” that artificial sweeteners actually increase cravings, and thus, addiction. In a Harvard Health Publication from Harvard Medical School entitled, “Artificial sweeteners: sugar-free, but at what cost?” former editor, Holly Strawbridge, shares several experts’ findings that “use of artificial sweeteners can make you shun healthy, filling, and highly nutritious foods while consuming more artificially flavored foods with less nutritional value. Artificial sweeteners may play another trick, too. Research suggests that they may prevent us from associating sweetness with caloric intake. As a result, we may crave more sweets, tend to choose sweet food over nutritious food, and gain weight.” These artificial sweeteners are even worse than the processed “natural” sugars. What about other highly processed foods? In a recent study published by the peer-reviewed journal, “PLOS ONE,” entitled, “Which Foods May Be Addictive? The Roles of Processing, Fat Content, and Glycemic Load,” researchers at various Universities, Erica M. Schulte, Nicole M. Avena, and Ashley N. Gearhardt found highly processed foods “may share characteristics with drugs of abuse (e.g. high dose, rapid rate of absorption).” There is no question in...
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...Dissent – Act should be upheld, because spending is a legislative function. There is therefore nothing wrong with allowing Congress to influence the executor of the act. Morrison v Olson 1. The President ordered the Administrator of the EPA to withhold sensitive documents. The Administrator was later suspected of giving false testimony. The Attorney General appointed an Independent Counsel (IC) to investigate this. 2. This did not violate the separation of powers, because even though the President could not fire the Independent Counsel, the person is still an officer of the Executive branch, under the Independent Counsel Act 3. Dissent – Act should be struck down, because criminal prosecution is executive and President is deprived exclusive executive control. Also, the Administrator argued that the IC was answerable to no one, and hence easily abused or corrupted. Clinton v City of New York 1. Congress passed a bill (Line Item Veto Act of 1996) which allowed the President to unilaterally amend or repeal parts of Statutes which have been passed by Congress. 2. The act violated the Presentment Clause of the Constitution, which outlines a specific practice for enacting a statute. Also, in a concurrence, the act enhanced presidential...
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...Numerous children are getting hooked right off the bat on high-fat, high caloric garbage snacks. According to Junk Food Junkies, frequently kids discover it is easier to get a fast food nibble than a bite of a nutritional snack (Mooney 2011). Television, the internet, and movies bombard them with advertisements for the latest candy, soda, or chips. Vending machines and à la carte lunch options at school are filled with sugar and fat. Even very young children are regularly eating junk food. As per a Gerber Products study, parents permit ten percent of toddlers to eat candy each and every day. In addition, 21 percent of toddlers eat french fries daily, while 23 percent wash them down with sweetened beverages (Mooney 2011). “It’s a minefield out there for kids. Schools have a big part to play, but kids often are not offered the best choices at school or in the community. It’s up to parents to lead by example,” says Alexandra Salazar, a pediatric nutritionist at the Children’s Hospital at Montefiore in New York City (Mooney 2011). Children in the United States are eating more and more unhealthy foods due to...
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...Children and Obesity Sharletta Guy-Pope SOC490: Social Science Capstone Raqota Berger June 18, 2012 Introduction Due to the growing concern and increase prevalence of childhood obesity around the world the population of children as it relates to childhood obesity indicates that these children will suffer even greater as adults. This increasing concern has become a public health issue and a social issue with children. Furthermore, research shows that the media plays an important role in the current epidemic of childhood obesity, which also has become a social issue with children. The increasing amounts of junk food and fast food advertisements, that target children and adolescents, have an effect on the outcome of their health and nutritional habits; these advertisements shift away from good nutritional practices. Food advertisements that advertise unhealthy foods such as foods high in saturated fats and cholesterol (junk foods) puts children at risk for high blood pressure and high blood cholesterol, both of which causes heart disease later on in life, which are precursors of cardiovascular disease resulting in childhood obesity. Sociocultural Factors Gender Society, culture, and the media send children powerful messages about body weight and shape ideals. For girls; ideas that are stressed in the media include the "thin ideal" and urging to diet and exercise, which can put pressure on girls to be thin, putting them...
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...9 Annual Report Board of Directors Pamela Arway- Senior Advisor to Chairman and CEO of American Express Robert Cavanaugh- Managing Director of DLJ Real Estate Capital Partners Charles Davis- CEO of Stone Point Capital, LLC James Nevels- Director of Tasty Baking Company Thomas Ridge- President and CEO of Ridge Global, LLC David Shedlarz- Vice President of Pfizer, Inc David West- President and CEO of The Hershey Company Leroy Zimmerman- Senior Counsel of Eckert, Seamans, Cherin, And Mellott, LLC The Hershey Company The Hershey Chocolate Company is one of the leading producers of chocolate and confectionary products. Hershey produces such chocolates as: the Hershey Kiss, Hershey Chocolate Bar, Mounds, Almond Joy, Reese’s Peanut Butter Cups, Kit Kat, and York Peppermint Patty. In this report we will give you the company’s mission, the description, the background and history, highlights of major news events, the SWOTS, their marketing strategy, their commitment to social responsibility, and the financial report card. Business 100 Project Amanda Milgim Ava Winckler Hossai Rahimpur Karen Montoya The Hershey Chocolate Company When you think of Hershey what is the first thing that comes to mind? Chocolate right? Right! Hershey is one of the largest and oldest producers of chocolate in North America and a global leader in chocolate and sugar confectionery. They are also a competitor in the chocolate and cocoa industry. Their mission:...
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...THE GEORGE L. GRAZIADIO SCHOOL OF BUSINESS AND MANAGEMENT ------------------------------------------------- LEGL 470.41 LEGAL ENVIROMENT OF BUSINESS PROFESSOR LISA D. HERZOG SUMMER 2013 MONDAY 6:00 P.M TO 10:00 P.M. IRVINE GRADUATE CAMPUS ------------------------------------------------- Obesity Lawsuits Against the Fast Food Industry Final Paper August 2, 2013 Breanna Neal I. Introduction Should you be able to sue a restaurant such as McDonald’s for your obesity? Well, it depends who you ask. The customers of such fast-food companies believe their health problems were caused by overeating their addictive fatty foods. Lawmakers are on the other end of the spectrum attempting to ban such litigation because they believe that it is the consumer’s responsibility to not overeat. Today we live in a society where many do not want to take responsibility for their own actions. Everyone wants to jump on the band wagon and sue a business. I decided to take a look at the obesity lawsuits over the years against fast-food companies in order to find out what protection they have from such disgruntled customers. There are many different positions on the topic and various legal cases that went to court. In this research paper I am going to expand on my findings of this controversial topic. First, I will explain the history of obesity law suites and how the first one led many others to sue. Next, I will cite, describe, and analyze various obesity law suits...
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...Current Stock Price More stock info NASDAQ (common stock) | Exchange | NASDAQ GS | Price | $533.16 | Change (%) | 12.02 (2.21%) | Volume | 28,785,700 | Data as of 03/05/12 4:00 pm ET The stock information provided is for informational purposes only and is not intended for trading purposes. The stock information is provided by eSignal, stock charts are provided by NASDAQ OMX, both third party services, and Apple Inc. does not maintain or provide information directly to this service. Stock information is delayed approximately 20 minutes. Bottom of Form FULL DESCRIPTION Apple Inc. (Apple), incorporated on January 3, 1977, along with its subsidiaries is engaged in designs, manufactures and markets mobile communication and media devices, personal computers, and portable digital music players, and sells a range of related software, services, peripherals, networking solutions, and third-party digital content and applications. The Company’s products and services include iPhone, iPad, Mac, iPod, Apple TV, a portfolio of consumer and professional software applications, the iOS and Mac OS X operating systems, iCloud, and a range of accessory, service and support offerings. It also sells and delivers digital content and applications through the iTunes Store, App Store, iBookstore, and Mac App Store. During the year ended November 24, 2011, the Company, as part of a consortium, acquired Nortel Networks Corporation’s patent portfolio. In February 2012, the Company acquired...
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...SUBJECT CODE : MPU 3323 SUBJECT TITLE : PERSONAL HEALTH MANAGEMENT PROGRAMME : BAAF CURRENT YEAR : YEAR 2 SEM 1 INTAKE : SEPT 2014 NAME/SEGI ID/UOG ID : SHAMITA A/P KASINATHAN (SCSJ-0019803/000862417) LECTURER’S NAME : MISS BALWINDER KAUR LEARNING CENTRE : SEGI COLLEGE SUBANG JAYA SUBMISSION DATE : 26 OCTOBER 2015 INTRODUCTION TO HEREDITARY DISEASES Heredity can be characterized as the investigation of what reasons likenesses and contrasts between living beings. Another meaning of is that the procedure by which mental and physical attributes are gone by folks to their kids; these qualities in a specific individual. Various extreme sicknesses happen through out the world however for the most part few are influenced by every one, as they arte essentially connected to certain families in particular regions. Some such maladies, be that as it may, are spread overall and influence numerous. Manifestations can be available during childbirth or get to be show sometime down the road and they might likewise differ extensively among individuals with the same analysis. Under typical circumstances, for example, hurtful allele would have been killed from a populace as the influenced people would kick the bucket before repeating. On the other hand, through the illness is uncommon in many parts of the world, it is tranquil basic in West Africa where jungle fever is pervasive. This...
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...Television Associated With Childhood Obesity COM 156 Introduction Childhood obesity has become a national dilemma. Recent studies have shown several causes for this public health epidemic. The evidence between childhood obesity and children’s excessive amount of time in front of the television has done nothing but increase each year. How long do children watch television each day. Does the media target children television? What are the health risks involved with childhood obesity? Childhood obesity continues to increase dramatically as the young viewers are victimized by television. Television Associated With Childhood Obesity During a recent study at UCLA School of Public Health, Sarah Anderson stated “The association between television viewing and childhood obesity is directly related to children’s exposure to commercials that advertise unhealthy foods.” (Anderson. S 2010) Researchers Frederick J. Zimmerman and Janice F. Bell conducted a study that involved 3,563 children, ages ranged from infants to 12-year-olds. Primary caregivers reported children’s activities and television viewing during the week. Studies had shown that commercial viewing had a significant affect with a higher BMI. According to Zimmerman and Bell, “steering children away from commercial television may be effective in reducing childhood obesity, given that food is the most commonly advertised product on children’s television and the fact that almost 90 percent of children begin watching...
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...diets and weight programs have been released to the public. It is very difficult to understand why America ignores the warnings of countless TV shows, the government, and news. Even the event of a family member’s death doesn’t seem to wake our nation up. The American Society for Metabolic & Bariatric Surgery shows that Obesity and overweight issues cost the U. S 117 million dollars in healthcare annually(McCue, 2010). Tobacco is currently the lead cause of preventable death, a statistic that obesity could soon obtain (Lemonick, 2004). Excess weight takes a horrible toll on the body. Various health problems such as heart disease, stroke, diabetes, and more come from obesity. Michael Limerick’s (2004) “How We Grew So Big,” places the blame on technology stating “We humans have utterly transformed our environment; over the past century especially, technology has almost completely removed physical exercise from the day-to-day lives of most Americans” (p.1). While some may argue that technology has created weight loss supplements, new machines, and surgeries to help keep off the weight; fast food restaurants, and high calorie foods are growing at an alarming rate. The consensus across the nation seems to be that Americans are not active enough. The soaring amounts of calories...
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...VICTORY ON SUGAR HILL: TIME MAGAZINE, DECEMBER 17, 1945: Their story was as old as it was ugly. In 1938, Negroes, willing and able to pay $15,000.00 and up for West Adams, Los Angeles, California, heights property, had begun moving into the old colonial mansions. Many were movie folks: actresses like Louise, Beavers, Hattie McDaniel, and Ethel Waters. They improved their holdings, kept their well-defined ways, quickly won more than tolerance from most of their white neighbors. However, some whites, refusing to be comforted, had drawn up a racial restriction convenient among themselves. For seven years, they had tried to sell it to the other whites, but failed. Then they went to court. Superior Judge Thurmond Clarke decided to visit the...
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...restoration. Each culture offers a different set of traditions and beliefs that contribute to the health care practices they participate in and how the traditions of that heritage are incorporated into the health practices present in the United States. The three families that were interviewed using the Heritage Assessment Tool were families from Native American Indian ancestry, Mexican ancestry, and Portuguese ancestry. All three families were born and raised in the United States, but their ancestors were from other countries, except the Native American family. Although these families were born and raised in the United States, they still carried on some of the traditions from their ancestors. There are many similarities within the three cultures above. All three cultures are family oriented, family is considered to be very important and family gatherings to celebrate holidays and rituals are huge gatherings that involve all the relatives old and young. It is common for these cultures to have large families; it is not unusual to have more than just the immediate family living in the home. In Mexican, Portuguese, and American Indian households, other family members also live in the same household. All three cultures also have many differences, such as difference in traditional foods, religious practices, and health traditions. It is important to assess these differences and utilize cultural awareness and competency in order to provide quality health care. Therefore, their cultural...
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...The current issue and full text archive of this journal is available at www.emeraldinsight.com/1356-3289.htm CCIJ 13,4 When an icon stumbles: the Ribena issue mismanaged Tony Jaques RMIT University, Melbourne, Australia Abstract Purpose – When two 14-year-old New Zealand schoolgirls challenged the advertising claims of Ribena blackcurrant drink – owned by global giant GlaxoSmithKline – they triggered a sequence of events which led to prosecution, public opprobrium and international damage to an iconic brand. The purpose of this paper is to explore the case and identify lessons for future management practice. Design/methodology/approach – Some of the fundamental principles of issue management, post-crisis discourse and corporate apologia are to recognize the problem early, to promptly institute a strategic response plan and corrective action and, if necessary, to apologise genuinely and without delay. The paper assesses the case against the theoretical basis of each of these principles and comparable cases. A senior executive of the company concerned was interviewed about some management aspects. Findings – Despite early indications of a problem which had potential impact around the world, a major global corporation responded inadequately to a local situation and, as a result, suffered prolonged embarrassment at the hands of two teenagers and unnecessarily severe damage to its brand and international reputation. Originality/value – By in-depth analysis of a recent case...
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