Political machines emerged in cities experiencing rapid growth in the late 19th century, offering services to voters and businesses in exchange for political and financial support. They were organized hierarchically from precinct workers up to the powerful city boss, who controlled municipal jobs, licenses, courts and public works projects while also facing frequent corruption charges. The civil service reforms of the 1880s replaced patronage with a merit-based hiring system and reduced graft, but politicians then turned to large businesses for campaign donations, strengthening the alliance between government and big business.
This document discusses personal identity and theories of identity formation. It covers Erikson's theory of identity crisis in adolescence, where teens struggle to develop a unique identity while fitting in. Having a clear sense of self after this crisis leads to a healthy identity. The document also discusses the relationship between identity and values, and developing self-esteem through focusing on intrinsic qualities rather than external factors or comparisons. It provides five tips for improving one's authentic self-identity.
The document provides an overview of the legislative branch of the U.S. government. It describes the functions and powers of Congress, including making laws, levying taxes, and declaring war. It outlines the qualifications and roles of Senators and Representatives. It also discusses the officers of Congress like the Speaker of the House and key steps in the legislative process like how a bill becomes a law.
Reconstruction unit lesson 3 - sharecropping - power pointGAMagnolia
Sharecropping was a system after the Civil War where plantation owners allowed freed slaves and poor people to farm plots of land in exchange for rent and a share of profits from crop sales. However, sharecropping often trapped farmers in debt. Farmers had to borrow money for supplies and food, which usually exceeded their earnings. As debts grew, all profits went to plantation owners, not the farmers, making sharecropping similar to slavery.
The document discusses the rise of populism in the late 19th century United States. Farmers faced numerous economic hardships like fluctuating crop prices, high interest rates, and railroad monopolies. The Granger Movement and Farmers' Alliances organized farmers politically but had limited success. In the 1890s, the Populist Party united agrarian interests and called for silver coinage, income taxes, and other reforms. However, populism ultimately failed because southern farmers stayed loyal to the Democratic Party, which adopted the Populist issue of free silver coinage, and the movement was hampered by regional divisions and prejudices among some of its supporters.
Job hunting requires researching opportunities through various resources like friends, family, networking, "help wanted" listings, employers, employment agencies, career counselors, and employment websites. It's important to evaluate if a job is right by assessing your skills and the job requirements. Transferable skills can apply to many jobs while job-specific skills are necessary for a particular role. The job should be evaluated based on required education and training, compensation, benefits, work environment, location, outlook and if it matches your skills. Gaining experience through mentors, job shadowing and internships can help determine the right career path. Applications should be filled out carefully and completely with factual information to showcase qualifications for the role. Cover letters and resume
This document provides an outline and learning objectives for a chapter on civil liberties and public policy. It discusses several key civil liberties protected by the Bill of Rights, including freedom of religion, freedom of expression, freedom of assembly, the right to bear arms, and the right to privacy. For each section, it lists the specific learning objectives and key topics to be covered, such as how the Bill of Rights has been applied to states, the boundaries of religious rights, and the evolution of the right to privacy.
The Middle Colonies document provides information on the four colonies that made up the Middle Colonies region - New York, New Jersey, Pennsylvania, and Delaware. It summarizes that the Middle Colonies were settled on rich river lands, making farming and mining important economic activities. It also notes that the English created New York and New Jersey from former Dutch territory, and that William Penn established Pennsylvania to provide refuge for Quakers. The economies of the Middle Colonies relied on both subsistence and commercial farming of crops like wheat, oats, and corn, as well as trade with other colonies facilitated by the region's rivers and harbors.
Political machines emerged in cities experiencing rapid growth in the late 19th century, offering services to voters and businesses in exchange for political and financial support. They were organized hierarchically from precinct workers up to the powerful city boss, who controlled municipal jobs, licenses, courts and public works projects while also facing frequent corruption charges. The civil service reforms of the 1880s replaced patronage with a merit-based hiring system and reduced graft, but politicians then turned to large businesses for campaign donations, strengthening the alliance between government and big business.
This document discusses personal identity and theories of identity formation. It covers Erikson's theory of identity crisis in adolescence, where teens struggle to develop a unique identity while fitting in. Having a clear sense of self after this crisis leads to a healthy identity. The document also discusses the relationship between identity and values, and developing self-esteem through focusing on intrinsic qualities rather than external factors or comparisons. It provides five tips for improving one's authentic self-identity.
The document provides an overview of the legislative branch of the U.S. government. It describes the functions and powers of Congress, including making laws, levying taxes, and declaring war. It outlines the qualifications and roles of Senators and Representatives. It also discusses the officers of Congress like the Speaker of the House and key steps in the legislative process like how a bill becomes a law.
Reconstruction unit lesson 3 - sharecropping - power pointGAMagnolia
Sharecropping was a system after the Civil War where plantation owners allowed freed slaves and poor people to farm plots of land in exchange for rent and a share of profits from crop sales. However, sharecropping often trapped farmers in debt. Farmers had to borrow money for supplies and food, which usually exceeded their earnings. As debts grew, all profits went to plantation owners, not the farmers, making sharecropping similar to slavery.
The document discusses the rise of populism in the late 19th century United States. Farmers faced numerous economic hardships like fluctuating crop prices, high interest rates, and railroad monopolies. The Granger Movement and Farmers' Alliances organized farmers politically but had limited success. In the 1890s, the Populist Party united agrarian interests and called for silver coinage, income taxes, and other reforms. However, populism ultimately failed because southern farmers stayed loyal to the Democratic Party, which adopted the Populist issue of free silver coinage, and the movement was hampered by regional divisions and prejudices among some of its supporters.
Job hunting requires researching opportunities through various resources like friends, family, networking, "help wanted" listings, employers, employment agencies, career counselors, and employment websites. It's important to evaluate if a job is right by assessing your skills and the job requirements. Transferable skills can apply to many jobs while job-specific skills are necessary for a particular role. The job should be evaluated based on required education and training, compensation, benefits, work environment, location, outlook and if it matches your skills. Gaining experience through mentors, job shadowing and internships can help determine the right career path. Applications should be filled out carefully and completely with factual information to showcase qualifications for the role. Cover letters and resume
This document provides an outline and learning objectives for a chapter on civil liberties and public policy. It discusses several key civil liberties protected by the Bill of Rights, including freedom of religion, freedom of expression, freedom of assembly, the right to bear arms, and the right to privacy. For each section, it lists the specific learning objectives and key topics to be covered, such as how the Bill of Rights has been applied to states, the boundaries of religious rights, and the evolution of the right to privacy.
The Middle Colonies document provides information on the four colonies that made up the Middle Colonies region - New York, New Jersey, Pennsylvania, and Delaware. It summarizes that the Middle Colonies were settled on rich river lands, making farming and mining important economic activities. It also notes that the English created New York and New Jersey from former Dutch territory, and that William Penn established Pennsylvania to provide refuge for Quakers. The economies of the Middle Colonies relied on both subsistence and commercial farming of crops like wheat, oats, and corn, as well as trade with other colonies facilitated by the region's rivers and harbors.
1) It is an internal condition in counseling wherein clients are encouraged to work hard on their problem and consider perspectives that are not easy for them. This refers to caring detachment.
2) It is most easily seen through a convergence – or match – between what you say and do as a helper. This refers to genuineness.
3) These are defined as unique set of thoughts a person uses to process information, order one’s world and make decisions. This refers to personal constructs.
Theodore "Teddy" Roosevelt became the youngest president in 1901 at age 42. As president, he established himself as a modern leader who used the media and legislation to further his agenda. Roosevelt focused on trust-busting and establishing regulations to ensure a "square deal" for all Americans. He was an avid conservationist who set aside over 200 million acres of protected federal lands. In foreign policy, Roosevelt asserted U.S. influence through actions like helping rebels in Panama gain independence so the U.S. could build a canal there. His successor William Taft continued many of Roosevelt's domestic policies but they later had a political falling out.
The document discusses the Articles of Confederation and the problems that arose under that first form of government for the United States. It describes the limited powers granted to the national government and the states' dominance over certain matters. Key issues that weakened the Articles included the inability to tax, lack of control over economic matters, and foreign relations problems due to the nation's lack of unity. The Northwest Ordinance established a process for admitting new states and was one of the Articles' greatest achievements.
James Madison was born in 1751 in Virginia and was known as the Father of the Constitution. He helped write the Constitution to replace the weak Articles of Confederation. Madison later served as the 4th President of the United States from 1809 to 1817.
Covers key info for Washington, Madison, Jefferson, Mason, as well as VA Declaration of Rights and VA Statute for Religious Freedom. Also includes info on the expansion of VA's agricultural base after the Revolutionary War.
This daring presentation takes a look into the social and cultural perspectives of what makes up a person's identity and explores "Black culture" attacking your identity.
By Dionne Willams
After the costly French and Indian War, the British government sought to raise taxes from the American colonies to help pay off war debts. This led to growing tensions between patriots in the colonies, who felt they had no representation in Parliament, and loyalists who believed the colonies should contribute as British citizens. Key tax acts like the Stamp Act, Townshend Acts, and Tea Act angered patriots and sparked acts of protest like the Boston Tea Party. In response, Britain passed the Intolerable Acts to tighten control and punish Boston, further straining the relationship between Britain and its American colonies.
The United States Constitution was drafted at the Constitutional Convention in Philadelphia in 1787. Delegates debated plans for the new government, with James Madison's Virginia Plan proposing a strong federal government prevailing over the New Jersey Plan. The Great Compromise merged the two, creating a bicameral Congress. After ratification, the new government established three branches of power and a system of checks and balances to limit any one branch from becoming too powerful.
The document describes Sal's journey across the United States from Euclid, Ohio to Lewiston, Idaho traveling along major landmarks and cities along Interstate 90. Students are instructed to follow along on a map, marking cities and landmarks visited. The journey takes Sal through 11 states, visiting notable places like Chicago, the Black Hills of South Dakota, Yellowstone National Park, and ending in Lewiston, Idaho, learning about Native American history along the route.
The document discusses the rampant greed, graft, and corruption in American politics during the Gilded Age, including the rise of political machines that controlled cities and rewarded supporters with jobs and contracts, often through corrupt means like bribery and fraud. It also examines the tariff issue and differing views of Republican and Democratic presidents on tariff levels and protecting American businesses from foreign competition.
The document summarizes the colonial periods of New England, the Middle Colonies, and the Southern Colonies. New England colonies focused on industries like fishing, shipbuilding, and whaling due to their coastal locations and short growing seasons. The Middle Colonies had longer growing seasons and engaged in farming, trade, and handicrafts. The Southern Colonies had fertile soil and long growing seasons well-suited for cash crops like tobacco, rice and cotton. Each region established colonies for religious freedom and economic opportunities.
This document provides information about Native Americans, including:
- There were originally 8-10 million Native Americans in North America divided among 600 societies and 200 languages.
- Europeans mistakenly referred to Native Americans as "Indians" after Christopher Columbus.
- Conflict increased as more Europeans settled in America, and disease ultimately killed 90% of the Native American population.
- Native American tribes developed distinct cultures and languages across North America. The document discusses some Native American proverbs and leaders like Tecumseh and Sitting Bull.
The document summarizes the 13 colonies that made up British America in the 17th and 18th centuries. It divides the colonies into three regional groups: New England (Rhode Island, Connecticut, Massachusetts, New Hampshire), Middle (New York, New Jersey, Pennsylvania, Delaware), and Southern (Maryland, Virginia, North Carolina, South Carolina, Georgia). For each colony, it provides information on date of founding, major industries, cities, origin of the colony name, and date of statehood. It also describes the climate, economies, and reasons for establishment of each regional group.
Black History Month is observed each February to celebrate the achievements of African Americans. It began as Negro History Week in 1926, proposed by Dr. Carter G. Woodson to honor black history and contributions. Woodson chose the second week of February to coincide with the birthdays of Abraham Lincoln and Frederick Douglass. It was later expanded to a full month. The presentation discussed important abolitionists, civil rights leaders, inventors, scientists, athletes and shared the history of the presenter's family dating back to slavery and the post-Civil War period.
This document provides an overview of the different regions of the United States by presenting information on the states included in each region, key facts about the region, and resources for further information. The regions covered are the Northeast, Southeast, Midwest, Southwest, and West. For each region, the document lists the included states and provides 1-2 sentences on geographic, demographic, or cultural characteristics that define each area.
The Choctaw Tribe lived in villages in Mississippi, Alabama, Louisiana, and Florida, growing corn, beans, and squash. They lived in small houses and wore deer skin skirts and capes. Men hunted and fished to provide food while women farmed and cared for children. Children helped with chores, and teens played stick ball and other games. The Choctaw had a deep spiritual faith connecting humans to nature.
1.1 spanish french dutch british colonieskellycrowell
Before Columbus arrived in 1492, North America was dominated by diverse indigenous groups with different ways of life. In eastern North America, groups like the Iroquois and Cherokee lived in farming villages, while on the Great Plains the Sioux and Cheyenne hunted buffalo. In central America, the powerful Aztec Empire dominated surrounding groups. After Columbus' arrival, European powers colonized different regions of North America for reasons like finding wealth and converting indigenous peoples to Christianity. The Spanish focused on mining gold and silver in central and South America as well as the southwest US. The French claimed territory from Canada to Louisiana and focused on the fur trade. The Dutch colony of New Amsterdam allowed religious freedom and political participation.
The document provides an overview of the Bill of Rights, which are the first 10 amendments to the US Constitution. It summarizes each amendment, explaining the key rights and freedoms they protect such as freedom of religion, speech, press, trial by jury, and protection from unlawful search and seizure. It also explains that the Bill of Rights limits the powers of the federal government and protects citizen liberties rather than granting specific rights.
The document discusses the Gilded Age in the United States, characterized by rapid economic growth alongside inequality. A few individuals accumulated vast wealth through industries like oil, steel, meat-packing and railroads, while many Americans lived in poverty. These businessmen are described as either "Captains of Industry" who created jobs and engaged in philanthropy, or "Robber Barons" who exploited workers and resources to build their fortunes. Key terms are also defined, such as monopolies, trusts, and pools used by big businesses to dominate their industries. Examples of major industrialists from this era include John D. Rockefeller in oil, Andrew Carnegie in steel, and Cornelius Vanderbilt in transportation.
The document outlines six common mistakes people make when applying for a mortgage: 1) forgetting to check your credit score beforehand, 2) withholding any personal or financial information from loan documents, 3) making large deposits into your bank account right before applying, 4) not getting pre-approved for a loan amount, 5) not shopping around for the best mortgage deal, and 6) changing jobs during the application process. The document provides tips to avoid each mistake such as checking your credit early, being fully transparent, maintaining consistent bank deposits, getting pre-approved, comparing multiple lender offers, and waiting to change jobs until after closing.
The document discusses various banking and financial products like checking and savings accounts, loans, and money transfer services. It provides information on opening and managing accounts, balancing a checkbook, avoiding fees, and choosing the right accounts based on individual needs and balances. Safety tips are also included about insured accounts and limits for different types of accounts.
1) It is an internal condition in counseling wherein clients are encouraged to work hard on their problem and consider perspectives that are not easy for them. This refers to caring detachment.
2) It is most easily seen through a convergence – or match – between what you say and do as a helper. This refers to genuineness.
3) These are defined as unique set of thoughts a person uses to process information, order one’s world and make decisions. This refers to personal constructs.
Theodore "Teddy" Roosevelt became the youngest president in 1901 at age 42. As president, he established himself as a modern leader who used the media and legislation to further his agenda. Roosevelt focused on trust-busting and establishing regulations to ensure a "square deal" for all Americans. He was an avid conservationist who set aside over 200 million acres of protected federal lands. In foreign policy, Roosevelt asserted U.S. influence through actions like helping rebels in Panama gain independence so the U.S. could build a canal there. His successor William Taft continued many of Roosevelt's domestic policies but they later had a political falling out.
The document discusses the Articles of Confederation and the problems that arose under that first form of government for the United States. It describes the limited powers granted to the national government and the states' dominance over certain matters. Key issues that weakened the Articles included the inability to tax, lack of control over economic matters, and foreign relations problems due to the nation's lack of unity. The Northwest Ordinance established a process for admitting new states and was one of the Articles' greatest achievements.
James Madison was born in 1751 in Virginia and was known as the Father of the Constitution. He helped write the Constitution to replace the weak Articles of Confederation. Madison later served as the 4th President of the United States from 1809 to 1817.
Covers key info for Washington, Madison, Jefferson, Mason, as well as VA Declaration of Rights and VA Statute for Religious Freedom. Also includes info on the expansion of VA's agricultural base after the Revolutionary War.
This daring presentation takes a look into the social and cultural perspectives of what makes up a person's identity and explores "Black culture" attacking your identity.
By Dionne Willams
After the costly French and Indian War, the British government sought to raise taxes from the American colonies to help pay off war debts. This led to growing tensions between patriots in the colonies, who felt they had no representation in Parliament, and loyalists who believed the colonies should contribute as British citizens. Key tax acts like the Stamp Act, Townshend Acts, and Tea Act angered patriots and sparked acts of protest like the Boston Tea Party. In response, Britain passed the Intolerable Acts to tighten control and punish Boston, further straining the relationship between Britain and its American colonies.
The United States Constitution was drafted at the Constitutional Convention in Philadelphia in 1787. Delegates debated plans for the new government, with James Madison's Virginia Plan proposing a strong federal government prevailing over the New Jersey Plan. The Great Compromise merged the two, creating a bicameral Congress. After ratification, the new government established three branches of power and a system of checks and balances to limit any one branch from becoming too powerful.
The document describes Sal's journey across the United States from Euclid, Ohio to Lewiston, Idaho traveling along major landmarks and cities along Interstate 90. Students are instructed to follow along on a map, marking cities and landmarks visited. The journey takes Sal through 11 states, visiting notable places like Chicago, the Black Hills of South Dakota, Yellowstone National Park, and ending in Lewiston, Idaho, learning about Native American history along the route.
The document discusses the rampant greed, graft, and corruption in American politics during the Gilded Age, including the rise of political machines that controlled cities and rewarded supporters with jobs and contracts, often through corrupt means like bribery and fraud. It also examines the tariff issue and differing views of Republican and Democratic presidents on tariff levels and protecting American businesses from foreign competition.
The document summarizes the colonial periods of New England, the Middle Colonies, and the Southern Colonies. New England colonies focused on industries like fishing, shipbuilding, and whaling due to their coastal locations and short growing seasons. The Middle Colonies had longer growing seasons and engaged in farming, trade, and handicrafts. The Southern Colonies had fertile soil and long growing seasons well-suited for cash crops like tobacco, rice and cotton. Each region established colonies for religious freedom and economic opportunities.
This document provides information about Native Americans, including:
- There were originally 8-10 million Native Americans in North America divided among 600 societies and 200 languages.
- Europeans mistakenly referred to Native Americans as "Indians" after Christopher Columbus.
- Conflict increased as more Europeans settled in America, and disease ultimately killed 90% of the Native American population.
- Native American tribes developed distinct cultures and languages across North America. The document discusses some Native American proverbs and leaders like Tecumseh and Sitting Bull.
The document summarizes the 13 colonies that made up British America in the 17th and 18th centuries. It divides the colonies into three regional groups: New England (Rhode Island, Connecticut, Massachusetts, New Hampshire), Middle (New York, New Jersey, Pennsylvania, Delaware), and Southern (Maryland, Virginia, North Carolina, South Carolina, Georgia). For each colony, it provides information on date of founding, major industries, cities, origin of the colony name, and date of statehood. It also describes the climate, economies, and reasons for establishment of each regional group.
Black History Month is observed each February to celebrate the achievements of African Americans. It began as Negro History Week in 1926, proposed by Dr. Carter G. Woodson to honor black history and contributions. Woodson chose the second week of February to coincide with the birthdays of Abraham Lincoln and Frederick Douglass. It was later expanded to a full month. The presentation discussed important abolitionists, civil rights leaders, inventors, scientists, athletes and shared the history of the presenter's family dating back to slavery and the post-Civil War period.
This document provides an overview of the different regions of the United States by presenting information on the states included in each region, key facts about the region, and resources for further information. The regions covered are the Northeast, Southeast, Midwest, Southwest, and West. For each region, the document lists the included states and provides 1-2 sentences on geographic, demographic, or cultural characteristics that define each area.
The Choctaw Tribe lived in villages in Mississippi, Alabama, Louisiana, and Florida, growing corn, beans, and squash. They lived in small houses and wore deer skin skirts and capes. Men hunted and fished to provide food while women farmed and cared for children. Children helped with chores, and teens played stick ball and other games. The Choctaw had a deep spiritual faith connecting humans to nature.
1.1 spanish french dutch british colonieskellycrowell
Before Columbus arrived in 1492, North America was dominated by diverse indigenous groups with different ways of life. In eastern North America, groups like the Iroquois and Cherokee lived in farming villages, while on the Great Plains the Sioux and Cheyenne hunted buffalo. In central America, the powerful Aztec Empire dominated surrounding groups. After Columbus' arrival, European powers colonized different regions of North America for reasons like finding wealth and converting indigenous peoples to Christianity. The Spanish focused on mining gold and silver in central and South America as well as the southwest US. The French claimed territory from Canada to Louisiana and focused on the fur trade. The Dutch colony of New Amsterdam allowed religious freedom and political participation.
The document provides an overview of the Bill of Rights, which are the first 10 amendments to the US Constitution. It summarizes each amendment, explaining the key rights and freedoms they protect such as freedom of religion, speech, press, trial by jury, and protection from unlawful search and seizure. It also explains that the Bill of Rights limits the powers of the federal government and protects citizen liberties rather than granting specific rights.
The document discusses the Gilded Age in the United States, characterized by rapid economic growth alongside inequality. A few individuals accumulated vast wealth through industries like oil, steel, meat-packing and railroads, while many Americans lived in poverty. These businessmen are described as either "Captains of Industry" who created jobs and engaged in philanthropy, or "Robber Barons" who exploited workers and resources to build their fortunes. Key terms are also defined, such as monopolies, trusts, and pools used by big businesses to dominate their industries. Examples of major industrialists from this era include John D. Rockefeller in oil, Andrew Carnegie in steel, and Cornelius Vanderbilt in transportation.
The document outlines six common mistakes people make when applying for a mortgage: 1) forgetting to check your credit score beforehand, 2) withholding any personal or financial information from loan documents, 3) making large deposits into your bank account right before applying, 4) not getting pre-approved for a loan amount, 5) not shopping around for the best mortgage deal, and 6) changing jobs during the application process. The document provides tips to avoid each mistake such as checking your credit early, being fully transparent, maintaining consistent bank deposits, getting pre-approved, comparing multiple lender offers, and waiting to change jobs until after closing.
The document discusses various banking and financial products like checking and savings accounts, loans, and money transfer services. It provides information on opening and managing accounts, balancing a checkbook, avoiding fees, and choosing the right accounts based on individual needs and balances. Safety tips are also included about insured accounts and limits for different types of accounts.
This document provides information about properly disposing of used computer hard drives to prevent identity theft. It discusses how deleting files does not fully remove the data, and that specialized software is needed to fully overwrite data. It describes some free and paid software programs that can completely erase hard drive data according to military standards. It also notes that physically destroying the hard drive by drilling or crushing it can prevent data recovery, but urges donating used computers instead of destruction.
This document provides tips from the Better Business Bureau on hiring contractors to repair damage from a disaster. It advises dealing only with licensed, insured contractors and getting recommendations. Consumers should take time to thoroughly review contracts before signing, pay deposits but not upfront costs, and be wary of temporary repair suggestions. The document also cautions against paying in cash and to consider legal review of major contracts or loans used to pay for repairs.
This document provides information about credit scores, credit reports, debt consolidation, payday loans, title loans, 401k loans, credit repair companies, foreclosures, bankruptcy, and common myths about these topics. It aims to educate readers by explaining what goes into credit scores and why they are important, highlighting predatory lending practices, and separating myths from facts about foreclosures and bankruptcy.
This document discusses how all debt is prepaid through various financial mechanisms that are not widely understood. It argues that when individuals take out loans, the banks do not actually lend their own money but rather use the borrower's signature to generate new money. It claims that since no valuable consideration is given to the borrower, the loan contract is fraudulent. Further, it states that through programs like Social Security, the US government has agreed to pay citizens' debts, making debt essentially prepaid. It provides an example of a letter from AT&T acknowledging a "prepaid treasury account" to settle an alleged debt. The document aims to explain how individuals can access and make use of these purported prepaid accounts to resolve debts.
nd1 instruct nd.gov tax indincome forms 2008taxman taxman
This document is a letter from the Tax Commissioner of North Dakota providing information about filing 2008 individual income taxes. It encourages taxpayers to file electronically and use direct deposit to receive refunds faster, usually within 5 days. Over 60% of returns were filed electronically last year. E-filing is more accurate than paper filing and helps avoid delays. It also allows taxpayers to check the status of their refund online.
Late paying or non-paying owners in a condo or HOA can bring the entire community down. Here is a presentation by Community Association collections expert Mitchell Drimmer that gives you insight and options.
The document provides tips and advice for smarter money management and credit health. It discusses checking specialty reports, avoiding debt elimination scams, using a debt repayment plan called Power Pay, factors to consider with rewards credit cards, understanding credit scoring systems, risks of skipping payments, understanding identity theft risks, benefits of retirement investing over mortgage prepayment, online coupon resources, a utility bill savings program, and a fuel efficiency website.
The document discusses 4 obstacles that prevent people from reaching their financial objectives: 1) inflation and limited income, 2) high taxes, 3) high debt, and 4) lack of financial knowledge. It also notes that most people try to earn more money to solve financial problems, but raises show inflation can outpace raises, preventing people from getting ahead. The document advocates shifting to being a 1099 business owner to take advantage of tax deductions not available to W2 employees to help improve one's financial situation.
Most small businesses are losing thousands of dollars by making expensive tax mistakes. Make sure you're setting up your business correctly and are using the right deductions and expenses. Call us at (214) 600-8609 with any tax questions. Serving small business in the greater Dallas, TX area with tax planning and preparation.
Faith & Finance Week 6: Credit Score and Living debt freebhnyc
The document discusses various topics related to personal finances including:
- Recent events in the stock market and how the credit scoring system works
- Tools for getting out of debt such as paying off collections, the impact of life events on credit scores, and methods for tracking debt repayment progress like snowball and highest interest methods.
The document provides information about credit scores and credit reports. It discusses the top 10 credit mistakes people make, how credit scores are calculated, factors that affect credit scores both positively and negatively, myths about credit repair, and tips for improving one's credit score over time such as making on-time payments, keeping credit utilization low, and maintaining a mix of different credit types.
The document provides information to college students about identity theft, credit cards, and how to be a savvy consumer. It discusses the risks of identity theft and tips to protect personal information. It also covers important information about credit cards, such as annual percentage rates and fees. Additionally, the document recommends creating a budget, reading all agreements carefully, and checking out businesses with the Better Business Bureau before making purchases or accepting job offers.
Credit repair companies frequently advertise easy and quick fixes to repair your credit, but these are often scams that cannot legally or effectively improve your credit report. While only time and effort can truly repair credit, individuals can dispute inaccuracies on their own reports for free through the credit bureaus. It's best to avoid credit repair services that ask for payment before results or recommend illegal actions, and to instead consider legitimate nonprofit credit counseling if extra help is needed.
Designing a "nutrition facts" label for disclosing prepaid card feesDesiree Zamora Garcia
This document discusses prepaid card fee disclosure design. It provides context on prepaid cards and the CFPB's prepaid card rulemaking regarding fee and term disclosure. Examples of precedents for fee disclosure like the Nutrition Facts label are presented. The document then shows vendor designs for prepaid card fee disclosure and seeks consumer feedback to inform next steps in design.
The document discusses common myths about credit reports and scores. It asserts that inaccurate, obsolete, or unverifiable information can be challenged and removed from credit reports under the Fair Credit Reporting Act. The document also outlines the credit restoration process, which involves disputing negative items on credit reports every 45 days to have them removed. Credit restoration services are offered for $499 along with other financial products.
United Credit Education Services reveals the 10 myths about credit and the credit reporting agencies. Credit Restoration is legal thats why we have the Credit Repair Organization Act.
This document discusses financial literacy and debt from a Christian perspective. It warns that families can be destroyed by a lack of financial knowledge and debt. It provides tips for managing credit cards responsibly, such as only charging what you can pay off monthly to avoid interest, fees, and damage to your credit score. It also cautions against refinancing credit card or other unsecured debt onto your home, as this exposes your otherwise protected home equity to creditors.
United Credit Education Services provides credit repair services to help consumers dispute inaccurate or outdated information on their credit reports from the three major credit bureaus. They have over 25 years of experience successfully disputing credit report errors for hundreds of thousands of clients. Their goal is to help clients improve their credit profiles and purchasing power so they can buy a home, start a business, or pursue other financial opportunities. They offer a 5-dispute cycle credit repair program for $499 that provides regular updates and support to dispute credit report errors.
The September 11 attacks involved 19 al-Qaeda terrorists hijacking 4 commercial airplanes and crashing them into important buildings, killing nearly 3,000 people. On September 11, 2001, the terrorists crashed two planes into the World Trade Center in New York City, one into the Pentagon near Washington D.C., and a fourth plane crashed in Pennsylvania after passengers fought the hijackers. The attacks were orchestrated by Osama bin Laden and al-Qaeda to attack the United States.
1. Olaudah Equiano was born around 1745 in what is now southeastern Nigeria and was kidnapped as a child and sold into slavery.
2. He was sold and transported across the Atlantic, experiencing the horrors of the Middle Passage. He eventually purchased his freedom after years of enslavement.
3. Equiano wrote an influential autobiography in 1794 about his experiences, which helped advance the abolitionist movement in Britain, America, and elsewhere. Though he did not live to see it, his work contributed to the eventual end of slavery.
Ida B. Wells was born into slavery in Mississippi in 1862. She became an educator, journalist, and prominent activist against lynching and racial segregation in the late 19th century. Wells conducted investigations into lynchings in the South and gave powerful speeches condemning the practice. She co-founded the NAACP and was a leading voice in the women's suffrage movement. Though she tried unsuccessfully to become a state senator, Wells opened doors for future generations of African American women in politics through her pioneering work confronting injustice and fighting for equal rights over a century ago.
Goodbye Windows 11: Make Way for Nitrux Linux 3.5.0!SOFTTECHHUB
As the digital landscape continually evolves, operating systems play a critical role in shaping user experiences and productivity. The launch of Nitrux Linux 3.5.0 marks a significant milestone, offering a robust alternative to traditional systems such as Windows 11. This article delves into the essence of Nitrux Linux 3.5.0, exploring its unique features, advantages, and how it stands as a compelling choice for both casual users and tech enthusiasts.
Dr. Sean Tan, Head of Data Science, Changi Airport Group
Discover how Changi Airport Group (CAG) leverages graph technologies and generative AI to revolutionize their search capabilities. This session delves into the unique search needs of CAG’s diverse passengers and customers, showcasing how graph data structures enhance the accuracy and relevance of AI-generated search results, mitigating the risk of “hallucinations” and improving the overall customer journey.
AI 101: An Introduction to the Basics and Impact of Artificial IntelligenceIndexBug
Imagine a world where machines not only perform tasks but also learn, adapt, and make decisions. This is the promise of Artificial Intelligence (AI), a technology that's not just enhancing our lives but revolutionizing entire industries.
Observability Concepts EVERY Developer Should Know -- DeveloperWeek Europe.pdfPaige Cruz
Monitoring and observability aren’t traditionally found in software curriculums and many of us cobble this knowledge together from whatever vendor or ecosystem we were first introduced to and whatever is a part of your current company’s observability stack.
While the dev and ops silo continues to crumble….many organizations still relegate monitoring & observability as the purview of ops, infra and SRE teams. This is a mistake - achieving a highly observable system requires collaboration up and down the stack.
I, a former op, would like to extend an invitation to all application developers to join the observability party will share these foundational concepts to build on:
Pushing the limits of ePRTC: 100ns holdover for 100 daysAdtran
At WSTS 2024, Alon Stern explored the topic of parametric holdover and explained how recent research findings can be implemented in real-world PNT networks to achieve 100 nanoseconds of accuracy for up to 100 days.
GraphSummit Singapore | The Art of the Possible with Graph - Q2 2024Neo4j
Neha Bajwa, Vice President of Product Marketing, Neo4j
Join us as we explore breakthrough innovations enabled by interconnected data and AI. Discover firsthand how organizations use relationships in data to uncover contextual insights and solve our most pressing challenges – from optimizing supply chains, detecting fraud, and improving customer experiences to accelerating drug discoveries.
How to Get CNIC Information System with Paksim Ga.pptxdanishmna97
Pakdata Cf is a groundbreaking system designed to streamline and facilitate access to CNIC information. This innovative platform leverages advanced technology to provide users with efficient and secure access to their CNIC details.
Why You Should Replace Windows 11 with Nitrux Linux 3.5.0 for enhanced perfor...SOFTTECHHUB
The choice of an operating system plays a pivotal role in shaping our computing experience. For decades, Microsoft's Windows has dominated the market, offering a familiar and widely adopted platform for personal and professional use. However, as technological advancements continue to push the boundaries of innovation, alternative operating systems have emerged, challenging the status quo and offering users a fresh perspective on computing.
One such alternative that has garnered significant attention and acclaim is Nitrux Linux 3.5.0, a sleek, powerful, and user-friendly Linux distribution that promises to redefine the way we interact with our devices. With its focus on performance, security, and customization, Nitrux Linux presents a compelling case for those seeking to break free from the constraints of proprietary software and embrace the freedom and flexibility of open-source computing.
Communications Mining Series - Zero to Hero - Session 1DianaGray10
This session provides introduction to UiPath Communication Mining, importance and platform overview. You will acquire a good understand of the phases in Communication Mining as we go over the platform with you. Topics covered:
• Communication Mining Overview
• Why is it important?
• How can it help today’s business and the benefits
• Phases in Communication Mining
• Demo on Platform overview
• Q/A
Infrastructure Challenges in Scaling RAG with Custom AI modelsZilliz
Building Retrieval-Augmented Generation (RAG) systems with open-source and custom AI models is a complex task. This talk explores the challenges in productionizing RAG systems, including retrieval performance, response synthesis, and evaluation. We’ll discuss how to leverage open-source models like text embeddings, language models, and custom fine-tuned models to enhance RAG performance. Additionally, we’ll cover how BentoML can help orchestrate and scale these AI components efficiently, ensuring seamless deployment and management of RAG systems in the cloud.
Climate Impact of Software Testing at Nordic Testing DaysKari Kakkonen
My slides at Nordic Testing Days 6.6.2024
Climate impact / sustainability of software testing discussed on the talk. ICT and testing must carry their part of global responsibility to help with the climat warming. We can minimize the carbon footprint but we can also have a carbon handprint, a positive impact on the climate. Quality characteristics can be added with sustainability, and then measured continuously. Test environments can be used less, and in smaller scale and on demand. Test techniques can be used in optimizing or minimizing number of tests. Test automation can be used to speed up testing.
Building Production Ready Search Pipelines with Spark and MilvusZilliz
Spark is the widely used ETL tool for processing, indexing and ingesting data to serving stack for search. Milvus is the production-ready open-source vector database. In this talk we will show how to use Spark to process unstructured data to extract vector representations, and push the vectors to Milvus vector database for search serving.
GraphRAG for Life Science to increase LLM accuracyTomaz Bratanic
GraphRAG for life science domain, where you retriever information from biomedical knowledge graphs using LLMs to increase the accuracy and performance of generated answers
Driving Business Innovation: Latest Generative AI Advancements & Success StorySafe Software
Are you ready to revolutionize how you handle data? Join us for a webinar where we’ll bring you up to speed with the latest advancements in Generative AI technology and discover how leveraging FME with tools from giants like Google Gemini, Amazon, and Microsoft OpenAI can supercharge your workflow efficiency.
During the hour, we’ll take you through:
Guest Speaker Segment with Hannah Barrington: Dive into the world of dynamic real estate marketing with Hannah, the Marketing Manager at Workspace Group. Hear firsthand how their team generates engaging descriptions for thousands of office units by integrating diverse data sources—from PDF floorplans to web pages—using FME transformers, like OpenAIVisionConnector and AnthropicVisionConnector. This use case will show you how GenAI can streamline content creation for marketing across the board.
Ollama Use Case: Learn how Scenario Specialist Dmitri Bagh has utilized Ollama within FME to input data, create custom models, and enhance security protocols. This segment will include demos to illustrate the full capabilities of FME in AI-driven processes.
Custom AI Models: Discover how to leverage FME to build personalized AI models using your data. Whether it’s populating a model with local data for added security or integrating public AI tools, find out how FME facilitates a versatile and secure approach to AI.
We’ll wrap up with a live Q&A session where you can engage with our experts on your specific use cases, and learn more about optimizing your data workflows with AI.
This webinar is ideal for professionals seeking to harness the power of AI within their data management systems while ensuring high levels of customization and security. Whether you're a novice or an expert, gain actionable insights and strategies to elevate your data processes. Join us to see how FME and AI can revolutionize how you work with data!
GraphSummit Singapore | The Future of Agility: Supercharging Digital Transfor...Neo4j
Leonard Jayamohan, Partner & Generative AI Lead, Deloitte
This keynote will reveal how Deloitte leverages Neo4j’s graph power for groundbreaking digital twin solutions, achieving a staggering 100x performance boost. Discover the essential role knowledge graphs play in successful generative AI implementations. Plus, get an exclusive look at an innovative Neo4j + Generative AI solution Deloitte is developing in-house.
2. Understanding Paychecks:Do you know what these words mean?
•deposit –Put your paycheck in the bank.
•pay stub –describes earnings, hours you worked and deductions
•financial records -pay stubs, tax, insurance and car loan papers. Save financial
records 7 years.
•identity theft –Thieves may use your credit card or social security numbers to steal
your money.
•payroll secretary-follows rules to make sure correct taxes are removed from your
paycheck.
•net pay-your pay before taxes
•gross pay–after tax pay. This is what you take home.
•deduct-subtract
•deductions-Money subtracted from your paycheck for taxes or to help you.
•pay stub -a paper attached to your paycheck that shows how much tax is subtracted
from your income.
•Charity-Money to help people. Giving charity reduces your taxes.
•Retirement and 401K – money you will use when you are too old to work.
•Direct deposit-The payroll secretary will send your pay to the bank.
•Pay Yourself First!-Deduct money every pay day and save it!
•interest –Extra money the bank will pay you for saving money.
•FDIC –the government insures money in the bank to make it safe.
3. It's great to get a paycheck!
http://womeninbiz.sbresources.com/blog/images/money-into-air-image.jpg
17. David Earl Williams Jr.
Violations: Bank fraud, 18 USC1344.
Case No.: 0596-1395657-MF(1)
NCIC No.: W095306743
FBI No.: 736099XA6
Warrant No.: 103M2272, 12/23/03, Middle District,North Carolina
Aliases: Kristian Williams, Chris William
DOB: February 23, 1978
Description: 5' 09", 160 lbs., black hair, brown eyes
Occupation: Corporate executive
Also wanted on multiple state warrants from Arkansas.
TAKE NO ACTION TO APPREHEND THIS PERSON YOURSELF
https://postalinspectors.uspis.gov/radDocs/wanted/razmilov.htm
18. Who prepares my pay check?
I am the Payroll Secretary.
7. In big companies, payroll
secretaries prepare paychecks.
http://www.nccchurch.org/images/Secretary.png
51. In January, the payroll secretary will give you a W-2 form
The W-2 shows how much taxes were deducted from your paycheck.
http://i.ehow.com/images/GlobalPhoto/Articles/4812085/127291-main_Full.jpg
53. 20. Saving money is very important!
Start saving as soon as you start a job!
54. Pay
Yourself
First!
21. Pay yourself first means
take paycheck deductions
every payday for you.
55. Why save money?
You will need money for…
…a car.
…a computer.
…a flat screen tv.
…a vacation.
…a wedding.
…furniture.
…to pay college for my kids.
…an emergency.
62. Saving money is very important!
If you save nothing for ten years, you will have nothing.
If you save $10 in a piggy bank each week for ten years,
you will have about $4,800.00.
If you ask the payroll secretary to deduct $10 from your
paycheck each week and deposit it in a savings account for
ten years, you will have $5,459.71.
This is more money because banks pay interest!
64. 25. Start saving when you are young.
You will earn more interest.
65. I don't understand my pay stub!
I can answer your questions.
Make an appointment to see me.
Bring your pay stub.
http://www.nccchurch.org/images/Secretary.png
67. Understanding Paychecks :Do you know what these words mean?
•deposit –Put your paycheck in the bank.
•pay stub –describes earnings, hours you worked and deductions
•financial records -pay stubs, tax, insurance and car loan papers. Save financial
records 7 years.
•identity theft –Thieves may use your credit card or social security numbers to steal
your money.
•payroll secretary-follows rules to make sure correct taxes are removed from your
paycheck.
•net pay-your pay before taxes
•gross pay–after tax pay. This is what you take home.
•deduct-subtract
•deductions-Money subtracted from your paycheck for taxes or to help you.
•pay stub -a paper attached to your paycheck that shows how much tax is subtracted
from your income.
•charity-Money to help people. Giving charity reduces your taxes.
•retirement and 401K – money you will use when you are too old to work.
•Direct deposit-The payroll secretary will send your pay to the bank.
•Pay Yourself First!-Deduct money every pay day and save it!
•interest –Extra money the bank will pay you for saving money.
•FDIC –the government insures money in the bank to make it safe.