Financial Planning for Physicians, Med Students, and Premeds

document.createElement('audio'); https://media.blubrry.com/admissions_straight_talk/p/www.accepted.com/hubfs/Podcast_audio_files/Podcast/IV_Ryan_Inman_2019.mp3Podcast: Play in new window | Download | EmbedSubscribe: Apple Podcasts | Android | Google Podcasts | Stitcher | TuneIn | Spotify Interview with Ryan Inman, President and Financial Planner at Physician Wealth Services [Show Summary] How are you going to pay for medical school? How are you going to pay off your med school debt after you start practicing? How will you be able to afford a home and some of the comforts you’ve worked so hard for? Those are the questions we’re going to discuss today with an expert in financial planning who focuses strictly on residents and physicians. Financial Planning for Doctors [Show Notes] Ryan Inman is the President and Financial Planner at Physician Wealth Services, which he runs from Las Vegas, NV. He is also the host of the Financial Residency Podcast. Both are aimed at medical students, residents, and physicians in their first 10 years of practice. In addition to a Bachelors in Accounting, Ryan has an MBA and a Masters in Accounting and Financial Management, Personal Finance, all from the University of San Diego. Ryan, can you tell us a little about your background and how you began your career in financial planning and advising? [2:00] I got my first glimpse at investment advising from my neighbor. I was the nerdy kid who saved all his money and asked his mom to open up a TD Ameritrade account so I could trade stocks. My neighbor was a certified financial planner, working with high net worth individuals of $1M+, and â€Å"working† with him I knew what I wanted to do. When I got out of college in 2008 the entire financial industry was decimated so I ended up starting with KPMG in public accounting. Ultimately I went to work with my neighbor doing financial planning. I started dating my wife as a freshman in college. We got married 10 years later, and we’ve been married for five, which is how I got into advising physicians, as she is one. I saw all the stuff my wife and her colleagues were pitched – terrible investment products, using fear and scare tactics to sell them so I helped them out. As my wife and I started talking about our future – whether we wanted kids, our career paths – I realized I really wanted to work with physicians. All of our friends are doctors or financial planners and it’s what I really love doing so I’m very happy to be talking on the show to premeds to arm them with knowledge before they get to med school to avoid mistakes on the back end. Why have you focused on guiding medical students and doctors early in their careers? Why do they need different advice than a young lawyer or young engineer, for example? [5:21] One is I’ve been there. I have intimate knowledge of the pain, struggles, and yes, of course joys of a career in medicine. I know what it’s like to be buried in student debt, with your spouse making next to nothing, sleeping every fourth night in the hospital. This is a main driver of why I only work with physicians. In terms of how they are different, a few things stand out. One, they have delayed gratification. They put so much aside to become a doctor – not just financially, but free time, social time and are earning pennies per hour in their residency, essentially. They take their work home and chart and that time is not reimbursed, for example. I have clients who have put off starting a family due to student debt. My average client has $283K of debt, and there is a reason why they are overwhelmed with what to do. They are never trained in finance but are then expected to run their own practices. The biggest thing after all of this delayed gratification is they experience this insane lifestyle inflation. An attending salary may be $340K after making about $55K as a resident. That is an insane amount of money coming at them. They had put off buying a car, buying a house, saving in a 529 if they have kids, and suddenly the lifestyle creep goes through the roof. Then they find themselves stuck after 2-3 years – â€Å"I overcommitted, my debts are crazy, student loan repayments are starting to come due.† All this newly found money is a giant carrot and it’s understandable you want to spend all of it because you sacrificed so much. What is your top advice for premeds? [10:13] I don’t have all the answers but can look at it with a financial lens. Take  the cheapest school you can actually get into. Some of my clients go to these elite schools in high cost of living areas and come out with a massive amount of debt. It is hard for me to believe that a school that is 2-3x more expensive has that much difference with career prospects. My wife got in-state tuition, and lived at home for the most part. She could have gone to Stanford but making these choices allowed her to not take so many loans and not pay a crazy amount of tuition. That one decision is going to determine the next 20 years of financial success, because you will pay student debt for a long time. The number two thing would be to begin your financial education today because you will not get it in med school, residency, or your fellowship. The people you will reach out to are your peers who also don’t know what’s going on. You are never given the opportunity to study personal finance during your training. There are tons of great books, blogs, podcasts, etc., and do that early before you start getting into six figure debt. My last thing is for med students. Pick a residency in a low cost of living area. We did so in Orange County, CA which made it significantly harder to not get into financial trouble. We did ok, primarily because I was working, so be careful about that and/or make sure a spouse works. If my wife was on her own it would have been really hard for her to make rent and pay for much without going into credit card debt. Using me as an example, the cost of rent in San Diego for a 3BR house, which is 12-1300 sq ft in a decent part of town (a place my wife could jog without me worrying) that rent is $2500. My family is from Las Vegas. I can rent a place there in a gated community that is 500-600 sq ft bigger and pay just $900-$1000 in rent. Linda: My friend’s daughter and husband live in West LA in a 2-bedroom condo, and are moving to Cincinnati and buying a 6,000 sq ft house on an acre of land for slightly less than they anticipate getting for their condo, so the difference in cost of living between Los Angeles and Cincinnati is enormous. Hypothetical, and probably not so hypothetical question: An applicant is accepted at School A, but really wants to attend School B. B is closer to family, but it’s in a much higher cost of living state. Tuition is about the same at both programs. Should the applicant decline the offer of admission from School A, go get a Masters to improve her qualifications and hopefully get accepted to School B? Or should she grab the acceptance, deal with the distance, and get started on med school? [17:36] That’s an interesting question. A couple things play out in my head. A masters is going to cost money so you’re taking on more debt in order for your CV to look better to get into another school to take on more debt. You have deferred earnings, and every year you wait might be several hundred thousand dollars. I would assume if you got into med school and declined it, it would actually have a negative effect the next time you apply, so not sure how that looks. The last piece is if school A is in a lower cost of living area, use the savings to travel home, and speaking from experience, my wife studied all the time. We dated long distance, and I was the one coming to visit her not the other way around, and it was nice of her to make time but she was really busy. You’re not going to have a ton of free time anyway. What do you think of some of the public service programs or the U.S. Military options for financing one’s medical education. I interviewed Captain Jennifer Cox for our July 4 program about the military options (listen to that episode here). [19:43] Some are state specific, but from a general standpoint if you are going to come out in a residency and set up a 501c3, you will keep track of qualified payments up to 120. First year you have zero dollar payments that count toward the 120. Could you in theory make a similar salary? Take into account the size of your balance, your specialty, how much you will make there, where you want to work, if you want to be an academic (that is easy then you shouldn’t look at PSLF). In general, if you can get through with a three-year residency and a three-year fellowship in a job in the public sector, you are already 60% of the way through. Servicers really don’t know what they are doing. I see errors in my client loans in descriptions, qualified payments, and more – one client went to residency for three years, did a three-year fellowship, and they said the work history is 56 payments in residence, two in fellowship, but since you have a 501c3 and payments going through there, it’s not aligning with the right time period. In terms of timing they were double counting what will happen when he reaches 120. There is no forgiveness on loans, and lenders are going to try and find everything wrong in the paperwork. They are not trying to give you a favor, so be careful what info you trust and follow. Supply all the paperwork every year for certification. Make sure you have the correct dates for correct institutions and correct number of payments. What should med students comparing student loan options be looking closely at? [24:23] The best loan you can have is the one you don’t take out. If there is a way to not take out as much in loans to live off of, if you can figure out how to budget and understand how much it is for housing and to eat and not go overboard, not take luxury vacations and blow finances up, that is best. Med school and residency is about financial survival and not getting into significant credit card debt and loans since you are paying back with interest. Interest is not cheap and it compounds, so that loan you don’t have to take out is the best thing you can do for yourself. No one will care as much about your money as you, so understand how to budget and not take out too many loans and get into crazy credit card debt. How do you advise residents or young doctors, usually in their early 30s, to pay off their student loans and at the same time start saving some money, either for a house or for retirement? [27:32] It sounds fundamental, but the more I dive into physicians and their finances I hear, â€Å"It was free money so I took it,† and it’s not, and it is going to come due with interest. If you address it in the very beginning your problems will be much smaller. Debt vs savings is the number one question I get asked. It is different for everyone. I am not going to say it depends. If you have high interest debt it needs to be extinguished. If you are a resident and new attending and the company gives a match, and the first 2% of saving is a dollar for dollar match, invest to get a match and pay down any high interest debt incurred, 7% or above. I would then try to max out tax-advantaged accounts like 401Ks or 403bs, and if you’re a resident contribute to a Roth directly or do a backdoor Roth. Student debt will come due so think about that. How debt averse are you? Will you pay it back when you can, or does it keep you up at night and you need to eliminate it ASAP? For anything above 5% interest allocate as much money as possible to eliminate it as quickly as you can. Many people do a combination of debt and investing. When you pay down debt you are â€Å"earning† that money back. If there is a remainder then it comes down to what are the other competing goals – house, saving for kids, college, etc. For me, I had to make sure our retirements were taken care of before their school. I can put debt on their education but not on my retirement. I need to make sure retirement is taken care of before doing other things. What financial advice do you have for students once they’re in med school? [33:37] I have a client who is a Lyft driver, and he uses earnings from that for his â€Å"fun† money, so think about something like that if the lifestyle allows. Any specific advice for significant others of med students, physicians, residents, and fellows? [35:53] You have to be understanding. That immediately comes to mind. The career is tough, there are long hours, and you are splitting time with your spouse and their career. From a spouse perspective you have to understand it is important to them. They are doing whatever they can to save lives/do good and help people, and the time commitments are such that you need to understand. The career takes priority over a lot of things. I had to move around a lot in my own career so she could go through and do her training. In grad school I traveled every weekend to visit her in Kansas to make sure we kept the relationship alive. She didn’t have time to take to come see me. In residency if I wasn’t already living there, I would have had to move most likely. I had to put my career in limbo for a little bit. There is a lot of sacrifice that goes in that you don’t really think about maybe, as well as possibly taking on a heavy debt load. How do you help physicians, physicians-in-training, and their families? [38:45] Think of me as your PCP for your finances. What I do is help physicians take control over their money, to understand how they spend money, and where they would like to spend money. What does your ideal life look like? How will you use the money vs how much do you have or how much money do you make? I don’t care how much money a client has, I want to know what drives them, to figure out how can we align the money around their life. Any last pearls of financial wisdom for aspiring doctors? [40:11] The biggest mistake I see physicians make is when you finish training don’t let the lifestyle inflation go crazy. Give yourself a â€Å"raise,† but don’t spend everything you have in your new position, be responsible for your finances. Related Links: †¢ Financial Residency, podcast and free resources for physicians and physicians in training †¢ Physician Wealth Services †¢ Navigate the Med School Maze, a free guide to medical school admissions †¢ Accepteds Medical School Admissions Consulting Services Related Shows: †¢ Get into University of Washington Medical School †¢ Why Should Medical School Take Four Years? †¢ The Military: One Way to Get an MD Debt-Free †¢ The Importance of Teaching Management in Medical School †¢ Promoting Financial Health for Doctors Subscribe: Podcast Feed Financial Planning for Physicians, Med Students, and Premeds document.createElement('audio'); https://media.blubrry.com/admissions_straight_talk/p/www.accepted.com/hubfs/Podcast_audio_files/Podcast/IV_Ryan_Inman_2019.mp3Podcast: Play in new window | Download | EmbedSubscribe: Apple Podcasts | Android | Google Podcasts | Stitcher | TuneIn | Spotify Interview with Ryan Inman, President and Financial Planner at Physician Wealth Services [Show Summary] How are you going to pay for medical school? How are you going to pay off your med school debt after you start practicing? How will you be able to afford a home and some of the comforts you’ve worked so hard for? Those are the questions we’re going to discuss today with an expert in financial planning who focuses strictly on residents and physicians. Financial Planning for Doctors [Show Notes] Ryan Inman is the President and Financial Planner at Physician Wealth Services, which he runs from Las Vegas, NV. He is also the host of the Financial Residency Podcast. Both are aimed at medical students, residents, and physicians in their first 10 years of practice. In addition to a Bachelors in Accounting, Ryan has an MBA and a Masters in Accounting and Financial Management, Personal Finance, all from the University of San Diego. Ryan, can you tell us a little about your background and how you began your career in financial planning and advising? [2:00] I got my first glimpse at investment advising from my neighbor. I was the nerdy kid who saved all his money and asked his mom to open up a TD Ameritrade account so I could trade stocks. My neighbor was a certified financial planner, working with high net worth individuals of $1M+, and â€Å"working† with him I knew what I wanted to do. When I got out of college in 2008 the entire financial industry was decimated so I ended up starting with KPMG in public accounting. Ultimately I went to work with my neighbor doing financial planning. I started dating my wife as a freshman in college. We got married 10 years later, and we’ve been married for five, which is how I got into advising physicians, as she is one. I saw all the stuff my wife and her colleagues were pitched – terrible investment products, using fear and scare tactics to sell them so I helped them out. As my wife and I started talking about our future – whether we wanted kids, our career paths – I realized I really wanted to work with physicians. All of our friends are doctors or financial planners and it’s what I really love doing so I’m very happy to be talking on the show to premeds to arm them with knowledge before they get to med school to avoid mistakes on the back end. Why have you focused on guiding medical students and doctors early in their careers? Why do they need different advice than a young lawyer or young engineer, for example? [5:21] One is I’ve been there. I have intimate knowledge of the pain, struggles, and yes, of course joys of a career in medicine. I know what it’s like to be buried in student debt, with your spouse making next to nothing, sleeping every fourth night in the hospital. This is a main driver of why I only work with physicians. In terms of how they are different, a few things stand out. One, they have delayed gratification. They put so much aside to become a doctor – not just financially, but free time, social time and are earning pennies per hour in their residency, essentially. They take their work home and chart and that time is not reimbursed, for example. I have clients who have put off starting a family due to student debt. My average client has $283K of debt, and there is a reason why they are overwhelmed with what to do. They are never trained in finance but are then expected to run their own practices. The biggest thing after all of this delayed gratification is they experience this insane lifestyle inflation. An attending salary may be $340K after making about $55K as a resident. That is an insane amount of money coming at them. They had put off buying a car, buying a house, saving in a 529 if they have kids, and suddenly the lifestyle creep goes through the roof. Then they find themselves stuck after 2-3 years – â€Å"I overcommitted, my debts are crazy, student loan repayments are starting to come due.† All this newly found money is a giant carrot and it’s understandable you want to spend all of it because you sacrificed so much. What is your top advice for premeds? [10:13] I don’t have all the answers but can look at it with a financial lens. Take  the cheapest school you can actually get into. Some of my clients go to these elite schools in high cost of living areas and come out with a massive amount of debt. It is hard for me to believe that a school that is 2-3x more expensive has that much difference with career prospects. My wife got in-state tuition, and lived at home for the most part. She could have gone to Stanford but making these choices allowed her to not take so many loans and not pay a crazy amount of tuition. That one decision is going to determine the next 20 years of financial success, because you will pay student debt for a long time. The number two thing would be to begin your financial education today because you will not get it in med school, residency, or your fellowship. The people you will reach out to are your peers who also don’t know what’s going on. You are never given the opportunity to study personal finance during your training. There are tons of great books, blogs, podcasts, etc., and do that early before you start getting into six figure debt. My last thing is for med students. Pick a residency in a low cost of living area. We did so in Orange County, CA which made it significantly harder to not get into financial trouble. We did ok, primarily because I was working, so be careful about that and/or make sure a spouse works. If my wife was on her own it would have been really hard for her to make rent and pay for much without going into credit card debt. Using me as an example, the cost of rent in San Diego for a 3BR house, which is 12-1300 sq ft in a decent part of town (a place my wife could jog without me worrying) that rent is $2500. My family is from Las Vegas. I can rent a place there in a gated community that is 500-600 sq ft bigger and pay just $900-$1000 in rent. Linda: My friend’s daughter and husband live in West LA in a 2-bedroom condo, and are moving to Cincinnati and buying a 6,000 sq ft house on an acre of land for slightly less than they anticipate getting for their condo, so the difference in cost of living between Los Angeles and Cincinnati is enormous. Hypothetical, and probably not so hypothetical question: An applicant is accepted at School A, but really wants to attend School B. B is closer to family, but it’s in a much higher cost of living state. Tuition is about the same at both programs. Should the applicant decline the offer of admission from School A, go get a Masters to improve her qualifications and hopefully get accepted to School B? Or should she grab the acceptance, deal with the distance, and get started on med school? [17:36] That’s an interesting question. A couple things play out in my head. A masters is going to cost money so you’re taking on more debt in order for your CV to look better to get into another school to take on more debt. You have deferred earnings, and every year you wait might be several hundred thousand dollars. I would assume if you got into med school and declined it, it would actually have a negative effect the next time you apply, so not sure how that looks. The last piece is if school A is in a lower cost of living area, use the savings to travel home, and speaking from experience, my wife studied all the time. We dated long distance, and I was the one coming to visit her not the other way around, and it was nice of her to make time but she was really busy. You’re not going to have a ton of free time anyway. What do you think of some of the public service programs or the U.S. Military options for financing one’s medical education. I interviewed Captain Jennifer Cox for our July 4 program about the military options (listen to that episode here). [19:43] Some are state specific, but from a general standpoint if you are going to come out in a residency and set up a 501c3, you will keep track of qualified payments up to 120. First year you have zero dollar payments that count toward the 120. Could you in theory make a similar salary? Take into account the size of your balance, your specialty, how much you will make there, where you want to work, if you want to be an academic (that is easy then you shouldn’t look at PSLF). In general, if you can get through with a three-year residency and a three-year fellowship in a job in the public sector, you are already 60% of the way through. Servicers really don’t know what they are doing. I see errors in my client loans in descriptions, qualified payments, and more – one client went to residency for three years, did a three-year fellowship, and they said the work history is 56 payments in residence, two in fellowship, but since you have a 501c3 and payments going through there, it’s not aligning with the right time period. In terms of timing they were double counting what will happen when he reaches 120. There is no forgiveness on loans, and lenders are going to try and find everything wrong in the paperwork. They are not trying to give you a favor, so be careful what info you trust and follow. Supply all the paperwork every year for certification. Make sure you have the correct dates for correct institutions and correct number of payments. What should med students comparing student loan options be looking closely at? [24:23] The best loan you can have is the one you don’t take out. If there is a way to not take out as much in loans to live off of, if you can figure out how to budget and understand how much it is for housing and to eat and not go overboard, not take luxury vacations and blow finances up, that is best. Med school and residency is about financial survival and not getting into significant credit card debt and loans since you are paying back with interest. Interest is not cheap and it compounds, so that loan you don’t have to take out is the best thing you can do for yourself. No one will care as much about your money as you, so understand how to budget and not take out too many loans and get into crazy credit card debt. How do you advise residents or young doctors, usually in their early 30s, to pay off their student loans and at the same time start saving some money, either for a house or for retirement? [27:32] It sounds fundamental, but the more I dive into physicians and their finances I hear, â€Å"It was free money so I took it,† and it’s not, and it is going to come due with interest. If you address it in the very beginning your problems will be much smaller. Debt vs savings is the number one question I get asked. It is different for everyone. I am not going to say it depends. If you have high interest debt it needs to be extinguished. If you are a resident and new attending and the company gives a match, and the first 2% of saving is a dollar for dollar match, invest to get a match and pay down any high interest debt incurred, 7% or above. I would then try to max out tax-advantaged accounts like 401Ks or 403bs, and if you’re a resident contribute to a Roth directly or do a backdoor Roth. Student debt will come due so think about that. How debt averse are you? Will you pay it back when you can, or does it keep you up at night and you need to eliminate it ASAP? For anything above 5% interest allocate as much money as possible to eliminate it as quickly as you can. Many people do a combination of debt and investing. When you pay down debt you are â€Å"earning† that money back. If there is a remainder then it comes down to what are the other competing goals – house, saving for kids, college, etc. For me, I had to make sure our retirements were taken care of before their school. I can put debt on their education but not on my retirement. I need to make sure retirement is taken care of before doing other things. What financial advice do you have for students once they’re in med school? [33:37] I have a client who is a Lyft driver, and he uses earnings from that for his â€Å"fun† money, so think about something like that if the lifestyle allows. Any specific advice for significant others of med students, physicians, residents, and fellows? [35:53] You have to be understanding. That immediately comes to mind. The career is tough, there are long hours, and you are splitting time with your spouse and their career. From a spouse perspective you have to understand it is important to them. They are doing whatever they can to save lives/do good and help people, and the time commitments are such that you need to understand. The career takes priority over a lot of things. I had to move around a lot in my own career so she could go through and do her training. In grad school I traveled every weekend to visit her in Kansas to make sure we kept the relationship alive. She didn’t have time to take to come see me. In residency if I wasn’t already living there, I would have had to move most likely. I had to put my career in limbo for a little bit. There is a lot of sacrifice that goes in that you don’t really think about maybe, as well as possibly taking on a heavy debt load. How do you help physicians, physicians-in-training, and their families? [38:45] Think of me as your PCP for your finances. What I do is help physicians take control over their money, to understand how they spend money, and where they would like to spend money. What does your ideal life look like? How will you use the money vs how much do you have or how much money do you make? I don’t care how much money a client has, I want to know what drives them, to figure out how can we align the money around their life. Any last pearls of financial wisdom for aspiring doctors? [40:11] The biggest mistake I see physicians make is when you finish training don’t let the lifestyle inflation go crazy. Give yourself a â€Å"raise,† but don’t spend everything you have in your new position, be responsible for your finances. Related Links: †¢ Financial Residency, podcast and free resources for physicians and physicians in training †¢ Physician Wealth Services †¢ Navigate the Med School Maze, a free guide to medical school admissions †¢ Accepteds Medical School Admissions Consulting Services Related Shows: †¢ Get into University of Washington Medical School †¢ Why Should Medical School Take Four Years? †¢ The Military: One Way to Get an MD Debt-Free †¢ The Importance of Teaching Management in Medical School †¢ Promoting Financial Health for Doctors Subscribe: Podcast Feed

Internship Report on City Bank Limited - 18288 Words

1.1 Introduction Economic history shows that development has started everywhere with the banking system and its contribution towards financial development of a country is the highest in the initial stage. Schumpeter (1933) regarded the banking system as one of the two main agents (other being entrepreneurship) in the whole process of development. Keynes also emphasized the role of banking services in the process of economic development of a country, while SHE was addressing the House of Lords regarding International and Monetary System (quoted in Sharma 1985). Moreover Alexander Gerschenkron (1962) in his popularly known â€Å"Gerschenkron’s Hypothesis† explained the banking system as the key role player at certain stage of the†¦show more content†¦Md. Abdul Halim, Senior Vice President Manager, CBL, BB Avenue Br. ïÆ'Ëœ Mr. A.S.M Shokrana, Vice President, PBL, BB Avenue Br. ïÆ'Ëœ Mr. Mohammad Mortaja, Senior Executive Officer, Credit Department, CBL,BB Avenue Br. ïÆ'Ëœ Md. Sohel Rana, Officer, Accounts Section. (b) Secondary sources (i) Annual report of City Bank Ltd. (ii) Files Folders (iii) Memos Circulars (iv) Daily diary (containing my activities of practical orientation) maintained by me, (v) Various publications on Bank, (vi) Websites, Different circulars sent by Head Office and Bangladesh Bank. 1.6 Limitations of the Report There were some problems while I have undergone the internship program. A wholehearted effort was applied to conduct the internship program and to bring a reliable and fruitful result. In spite of having the wholehearted effort, there exits some limitations, which acted as barrier. The limitations were --- ïÆ'Ëœ The study was limited only to the City Bank Limited, B.B. Avenue Branch. ïÆ'Ëœ Another Problem was time constraints. The duration of my internship Program was only two months. 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During the internship, I got an opportunity to meet the top personality of the banking sector and I got to know the real working environment and procedures of the banking industry. This report is based on Issuance of Letter of credit at one of the leading bank of Nepal, Everest Bank Limited. It is prepared as a part of the internship program in partial

The Choice Of A Career Essay - 2106 Words

For many students, contemplation about what field they would like to work in begins much earlier than their senior year of high school and first year of college. From early childhood, people are asked what they would like to be when they grow up. An understanding develops that that what is chosen as the individual’s profession will be so deeply integrated with their identity that the two will hardly ever be recognized separately. â€Å"The choice of a career is a highly significant process that plays a major role in shaping people s aspirations, concerns, and action† (Malach-Pines Yafe-Yanai, 1999, p. 503). This understanding makes choosing a major a deeply personal and profound question for each individual. â€Å"It is one of the most significant choices made by people growing up in Western cultures with many attempting to find through their careers a sense of existential significance for their entire life† (p. 503). To make a thoughtful and thorough decision ma y be too overwhelming for some students, leading to a knee-jerk selection, that the student will ultimately change at least once. â€Å"The choice of a career is a complex and multi-faceted process including all the spheres of a person s life† (p. 503) and it can be difficult for a traditional student, at the approximate age of 18, to understand just how far reaching the effects of this decision can be. Or perhaps they do understand and feel paralyzed by the fear of making the wrong choice. Choosing a career goes hand in handShow MoreRelatedCareer Choices For A Career1539 Words   |  7 Pagesgrowing job market, there are plenty of career choices one can take on to create a financially stable lifestyle and live a successful life. When looking at job careers, it is often a hard choice to choose which pathway might be the best to lead one towards success. In addition to choosing a pathway it is pertinent to learn the background as well as stepping stones to leave a person with more of an understanding of that profession, especially if the focus of career is dealing with Human Resources. Read MoreCareer As A Career Choice942 Words   |  4 PagesWork is a profession concerned with helping individuals, families, groups and communities to enhance their individual and collective well-being. I chose to seek a degree in this field because I find this to be a very rewarding career choice. To obtain a degree in a career that essentially makes a difference in people’s lives is extremely important to me. I have worked as a medical assistant for over 10 years, and although I love my job I would like to work closer with the people that I serve. I realizeRead MoreCareer Goals : Career Choice3343 Words   |  14 PagesSince young, many people have known what career path they would like to follow. Some knew they wanted to be a lawyer, a firefighter, a doctor and began their journey towards making their career dream true by taking the necessary courses, passing their examinations, and did what was required to enter the field of their choosing. Some are unsure of the career path they would like to follow and opinions of others on what they should do can lead to a road of uncertainty and confusion. Lastly, for variousRead MorePsychology and Career Choice765 Words   |  4 Pagesï » ¿Period 2 December 4, 2013 Pre-Calc Lam Career Choice: Psychology My future career choice is in psychology. I want to The definition of psychology is basically the study of human (and sometimes animal) behavior. The word itself means the science of the soul. The first syllable, psyche means soul, and the second part contains the root of the word logic. Essay on My Interest in the Field of Psychology I have always wondered about human behavior. Why does this person scream whenRead MoreMy Career Choice1216 Words   |  5 PagesMy career choices you would really want to know what temi has plan I have some interesting career choices which quite for hard working people like me. My career choices are two things I would love to be a lawyer first thing 2nd one I want to be a business woman I love working for myself like a boss you know make your own money control things myself. Lawyer tell people what’s right and what’s wrong for everyone to act right teaching them the right steps and let them know that whoever did somethingRead MoreMy Career Choice830 Words   |  4 Pagesin my life is to choose a career that I will enjoy and find interesting for many years ahead. It is important that I have the ability to provide well for myself and future family. In an effort to stay current in the marketplace, I am committed to keeping an open mind as career paths change, and dedicat ing time for continued education. I believe that my career choices for the future greatly depend upon the knowledge that I have of myself, information regarding my career options, testing field workRead MoreNursing As A Career Choice1714 Words   |  7 PagesNursing as a Ð ¡areer Ð ¡hoice. Anna Leonova Trent University Nursing as a career choice. As Mother Teresa said: â€Å"It is not how much you do but how much love you put in the doing†. These words can not but be common for nurses all over the world. Well, what makes them love their profession? How did people decide to make nursing their career choice? What are the reasons for people to start such a way of life? As it goes without saying, nursing can not be called a professionRead MoreAnalyzing Career Choices1340 Words   |  5 PagesAnalyze career choices choosing Introduction Career choice can be very difficult to make especially when faced with a decision to choice between two attractive job offers (Clinton Van der Merwe2006). Certainly, each of these jobs will have its positive and negatives aspects. Thus, how would you make an informed choice on the best offer? This requires a good decision-making system. This report presents a way such decision can be carried out. Accountant and auditor job Pay and compensation Read MoreFactors of Career Choice3456 Words   |  14 Pagescareer choice Contents 1. Introduction 1.1 Role 1.2 Objective and Subjective Constraints 1.3 Key Theories of Occupational Choice 1.3.1 Developmental Theory 1.3.2 Structural Theory 1.3.3 RIASEC Model 2. Factors of Occupational Choice 2.1 Family and Class 2.2 Neighbourhood and Peer Group 2.3 School and Education 2.4 Race 2.5 Gender 2.5.1 Horizontal and Vertical Segregation 2.5.2 Pay 2.5.3 Hours Worked Read MoreCareer Choices Essay1871 Words   |  8 Pagesoverall financially. Our economy as it stands now is barely standing. The government is in debt by trillions, and furthermore, This means an increased competitive job market. However, one needs to consider many different factors when choosing a career to give them the best chance of being happy and fulfilled. People need to ask themselves, will the job fit my personality? Will I have to travel or relocate? Can I physically do it, and what is the compensation? There are many questions to ask

The Effect Of Caffeine On Various Food And Medicinal Products

Background: Caffeine is a drug that is commonly used around the world. It is naturally present in coffee and coco beans, tealeaves and in various medicines and food supplements. Excess caffeine intake can cause harmful side effects, ranging from muscle tremors, fast heartbeat, insomnia and upset stomach (Adan A, et al. 2008). As such, it is important to be able to analyze and quantify caffeine in various food and medicinal products to ensure the safety and efficacy of the product. Currently, HPLC and UV-vis are common analytical methods for analyzing caffeine. Unfortunately, these two methods are time consuming and utilize large amounts of solvent, thus a more time efficient and less material consuming method is sought after. Near-infrared spectroscopy (NIR) is a method of interest due to its ability to analyze an analyte from a whole compound, which would save time (Blaco et al. 1998). Additionally, this reduces or diminishes the requirement for sample preparation when measuring sol id samples, thus decreasing errors that can arise from sample preparation methods. Unfortunately, only a small number of procedures has been carried out and published on NIR applications with whole tablets since more work has been focused on qualitative NIR practices (Chen et al. 2001) Due to the various advantages of using NIR, Laasonen et al. sought to develop and validate a method using NIR diffuse reflectance to measure caffeine concentration in whole tablets (2003). Materials and Methods:Show MoreRelatedDetermining the Effect of Potential Household Repellents on Ant Behavior608 Words   |  2 PagesIntroduction: The purpose of this project is to determine the effect of household substances, which contain naturally occurring ant-repelling chemicals, on ant behavior. While there are many plants that chemically repel ants, this project will test if there are any household products, which contain some of the same naturally occurring repellents, which ants will avoid. This paper will first identify what plants repel ants. The herbs and plants that best repel ants are tansy, catnip, pennyroyalRead MoreDrug Use And Abuse Is A Old As Mankind Itself1585 Words   |  7 Pagesthe time of the early Egyptians; narcotics from 4000 B.C.; and medicinal use of marijuana has been dated to 2737 BC in China. As time went by, home remedies were discovered and used to alleviate aches, pains and other ailments. Most of these preparations were herbs, roots, mushrooms or fungi. They had to be eaten, drunk, rubbed on the skin, or inhaled to achieve the desired effect. One of the oldest records of such medicinal recommendations is found in the writings of the Chinese scholar-emperorRead MoreThe Effects Of Advertisements And Their Effect On Teen Brain1105 Words   |  5 PagesCreams or Patches That Can Burn Fat. 4 False Advertisements and their effect on Teen Brain 5 References 7 Image References 7 â€Æ' Introduction The number of false advertisements in fitness industry have increased in the past few years. Now is the prime time to tell people that they should not blindly trust these advertisements and try to do a little research or consult any health care practitioner before using the product or the service. Radcliffe (2016) claims that â€Å"Sadly, one-third of adultsRead MoreThe Drug Enforcement Administration ( Dea ) Essay1189 Words   |  5 Pagesother than the poppy plant. Mitragyna is a small genus in the Rubiaceace family, which includes coffee. Like coffee, Kratom acts as a mild stimulant, an invigorating energy supplement, but only in low doses. At higher doses, it causes a narcotic-like effect and functions as an opiate substitute. Smoked, chewed or steeped in tea, Kratom has a long history as a folk remedy for diarrhea, muscle pain, fever, coughing, hypertension, fatigue, depression, and other ailments. In modern times it has been usedRead MoreResearch Paper on Chocolate1721 Words   |  7 Pagesa little piece of heaven. ! By the time the eighteenth-century would arrive, a world wide love for the cacao bean would form between the Old and New World. A botanist named Carl Von Linne would name the cacao tree, theobroma, which translates as â€Å"Food of the Gods† (Zeigler 400). Unfortunately though, when chocolate would be prepared it would be quite fattening and cause grief to the stomachs of the Europeans. Inventor Conrad Van Houten would resolve this issue by patenting in 1828, a mechanicalRead MoreTea Beverage (Jamaica Cherry)7403 Words   |  30 PagesA Thesis Presented to the Department of Food Technology College of Education University of Santo Tomas In Partial Fulfillment of the Requirements for the Degree of Bachelor of Science in Food Technology Janerica C. Camacho Gracia Remedios Veronica V. Em Amy M. Tolentino Kristine U. Villaruel Dyann Aissa B. Yu March 2011 CERTIFICATE OF APPROVAL In partial fulfillment of the requirements for the degree of Bachelor of Science in Food Technology, this thesis entitled, AcceptabilityRead More Legalizing Recreational Drugs Within the United States Essay4029 Words   |  17 Pagesof a physician (Recreational Drug). Recreational drugs include both illegal and legal substances, some of which are extremely prevalent in the United States. The most popular recreational drug in the world is caffeine. Nearly, 80 - 90% of adult Americans consume caffeine every day (Caffeine addiction). Other popular recreational drugs include nicotine (found in cigarettes), alcohol (found in beer, cocktails, wine, etc.), and cannabis (a.k.a. marijuana or weed) (Recreational Drug Use). These threeRead More Ephedrine: The Weight Loss Wonder Drug? Essay2457 Words   |  10 PagesEphedrine: The Weight Loss Wonder Drug An increasing number of people are using products to enhance their diets. A recent estimate indicates, â€Å"Americans are spending some $6 billion annually on nutritional supplements, and the market is growing by 20% every year† (Zahn, 1997). Of these supplements, the increase in herbal remedy use is most dramatic. Zahn holds that the increase can be attributed to the widely held belief that herbal substances are healthy and harmless because of their naturalRead MoreSociety and Drug Use: a Sociological Perspective2922 Words   |  12 Pagesacceptable for consumption. The laws today are a result of ever changing societal norms. Before a particular drug is discovered, it is not illegal; it simply exists in nature. When that substance is introduced into a society, it must be determined if its effects are in line with the societies morals which may be in large part regulated by the dominate religion. If it is proven to be beneficial to the society and abides by the social mora ls its use is largely unregulated. If an individual in that society thatRead MoreBad Effects of Chocolate3487 Words   |  14 PagesBad effects of chocolate Chapter One — Introduction to the Problem    Introduction to the Problem In todays society, chocolate is everywhere.    It seems that people have developed a love-hate relationship with chocolate.    According to the US Department of Commerce, the average American ate 11.7 pounds of chocolate in the year 2000.    American adults ranked chocolate as the most-craved food and as their favorite flavor by a three-to-one margin. 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Nonverbal Communication And Non Verbal Communication

â€Å"Non-verbal communication is especially significant in intercultural situations† (Businesscom, 2015). In a business setting duties performed are the main reasons for an employees success, though studies and reports show that nonverbal communications can hinder or excel an employees relationships. Ultimately, nonverbal communications can benefit a business. With the communication of nonverbal there are many forms that help to read body language and true feelings including: adapters, a body movement, as well as eye contact (Krauss, Chen, Chawla, 1996). These examples are just a few of several hundreds non-verbal communications (Hawk, Fischer, Van Kleef, 2012; Snider, 2012). Not only does nonverbal communication play a role in communication, but also it plays a role at a staggering greater than 50%, and some studies higher percentage, of the total message (Vintean, 2007). Visual clues also play a large role in nonverbal communication. Nonverbal communication has been a lon g time institute and is rooted from primal instincts (Hecht Ambady, 1999). To prove the positive role that nonverbal communication plays in business the following writing will show various nonverbal and how they work. Nonverbal communication is truly important as it truly completes the message delivered from the verbal communication (Businesscom, 2015). The message is delivered through various ways, as stated before. Nonverbal communication accents the message that is delivered as tone can formulate theShow MoreRelatedNonverbal Communication : Non Verbal Communication890 Words   |  4 PagesLiterature Review According to some psychologists, non-verbal communication varies based on a person’s cultural background, more so in the individualism-collectivism dimension. Additionally, studies have indicated that intercultural diversities in how verbal communications are observed can be traced to differences in facial signs that individuals from West and East look for when detecting emotions (Serlin, Berger Bar-Sinai, 2007). Therefore, people from distinctive cultures are expected to beRead MoreNonverbal Communication And Non Verbal Communication Essay1832 Words   |  8 Pagesis for people to pay attention to nonverbal behavior, rather than only what is verbally communicated. Nonverbal communication has the ability to deliver information more effectively than verbal communication. Interpersonal communication is more effective when a conversation is complimented with non-verbal communication (Bello, et al, 2010). Nonverbal communication is not limited to any environment or surroundings because we are always communicating through nonverbal cues consciously and subconsciouslyRead MoreNonverbal Communication And Non Verbal Communication866 Words   |  4 PagesNon-verbal communication consists mainly of the things people do with their body language. There are times where words are expressed and non-verbal communication could help emphasize the message. A few examples of nonverbal communication are hand gestures eye contact, facial expressions as well as tone and volume. I was given this assignment to observe a situation and take note of the nonverbal communication that occurred. I also had to observe whether the non-verbals were able to execute the messageRead MoreNonverbal Communication And Non Verbal Communication1127 Words   |  5 Pagestime is a communication event that I find particularly mysterious. My fascination lies in that different messages can be communicated through the eyes alone. Whether we are talking about direct or indirect gaze, duration, direct ion or expression, the moment of eye contact between two people can serve to make a great connection or a disastrous one. This is of particular importance to me personally because I have tend to have an empathetic interest in people I meet and find that this form of non-verbalRead MoreNon Verbal Communication And Nonverbal Communication744 Words   |  3 PagesOne of the areas studied in psychology is the use of Non-Verbal Communication (NVC). According to the Collins dictionary, this is defined as ‘those aspects of communication, such as gestures and facial expressions, that do not involve communication, but which may include non-verbal aspects of speech itself (accent, tone of voice, speed of speaking, etc)’. Used daily by humans and animals (Darwin 1972), NVC has a strong link to innate factors, and messages are sent unconsciously to the listener. ThroughRead MoreNon Verbal Communication And Nonverbal Communication1851 Words   |  8 PagesThis section was a little difficult as non-Verbal communication through a phone call is not the same compared too if you were talking to them in person. What I noticed first as an example of Andy’s non verbal was the frustration he seemed to have. When he had a sigh about my eating habits to his. This non verbal communication has an impact in our relationship because it shows me his frustration because we both know he wants to change. He is fine where he is at but he dosen’t want to stay like thatRead MoreThe Importance Of Verbal And Non Verbal Communication1689 Words   |  7 Pagesit can even determine the success of trade cooperation. Verbal communication is an essential and considerable part of the business negotiation; it is believe as the most crucial and direct means of communication. However, non-verbal communication, such as paralanguage, proxemics, kinesics, chronemics, oculesics, colorics and olfactics, can transfer information and emotion far more efficiency and actually. The stud y of nonverbal communication is very important, especially in cross-cultural backgroundRead MoreThe Effects Of Modern Mass Culture On Modern Society1304 Words   |  6 PagesAdvertising is one of the most common types of social communication and an integral element of modern mass culture. It was the product of the development of market-oriented economic culture production methods, gradually, as the development of information technology in the process of historical evolution, becoming one of the most important social institutions of modern society. The study of nonverbal communication was engaged by scholars such as A. Pease, E. Hall, R. Berdvistell, G. Wilson, M. L.Read MoreThe Role Of Non Verbal Communication On Intercultural Communication1411 Words   |  6 Pagescultural organisation,the intercultural communication has become more ligual and more significant than ever before (Wang, 2007). As an international language, English has played an prominent role in making the communication easy between two people with different cultural backgrounds. As a result, the EFL education has concluded the communicative sufficiency as one of the important goals of English as Foreign Language teaching. It seems that intercultural communication will be a successful, as long as theRead MoreThe Principles of Communication1557 Words   |  6 PagesCommunication is an ever-developing topic in which human beings can express their feelings and emotions on a daily basis whether they were positive or negative in the most suitable way. According to Preja (2013) the term â€Å"Communication† can be traced back to the Latin word â€Å"Communis† which stands for â€Å"to be connected to† or â€Å"to be in a relationship with†. Communication can be classified to two types, verbal and non-verbal. Verbal communication focuses mainly on vocals while non-verbal communication

Leader Of Choice Tony Robbins free essay sample

Tony Robbins practices what he preaches. He knows fully well that as a well-known personality, he must recognize the diverse workforce with which he is working with. He has developed strategies for accelerated transformations of individuals from different cultures. These transformations are not only done during the training itself, but are carried on over the long haul of individual lives.For instance, he has joined forces with other therapists in building this strategy of continuing to address the needs of the diverse groups of people across cultures. Joining with Cloe Madanes, a well-known therapist, the Robbins-Madanes Center for Strategic Intervention creates training materials and programs aimed at diverse communities. Carrying the philosophy further, Robbins has focused attention not only on adults and businessmen, but also on children in their Council for Human Rights of Children at the University of San Francisco. This is a prestigious company that champions the rights of children all over the world. We will write a custom essay sample on Leader Of Choice: Tony Robbins or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page And if that is not enough, the company also recognizes, in essence, that many written defenses of the diverse cultures must highlight their programs because certain groups of people are denied access to aids and tools that would make them deserving of better positions because of their economic opportunities in life.  Therefore, Tony Robbins’ trainings are geared so that education can be given to these groups of people and integrated into the productive workforce.He has founded a nonprofit Anthony Robbins Foundation that provides assistance to the homeless, elderly and inner city youth as it feeds millions of people in nine countries every year through its international holiday â€Å"Basket Brigade.† He has given his seminars to a diverse group of people himself all over the world. Impacting the lives of nearly 50 million people, he and his company continues to reach out to all kinds of individuals.Equality in the full extent would be difficult to achieve especially co nsidering the highly diverse cultural groups that comprise American society and the world at large.  Towards this end, Tony Robbins and his company serves as viable and sustainable channels in which the interests of people are upheld based on what is good for society in general utilizing the strategies he has developed.

Bible About Muhammad Essay Example For Students

Bible About Muhammad Essay Say: Do you see whether this message be from Allah (God Almighty), andyet you reject it, and a witness from among the Children of Israel bore witnessof one like him. (the Holy Quran 46:10) Mr. Chairman, Ladies andGentlemen, The subject of this evenings talk What the Bible says aboutMuhammad will no doubt come as a surprise to many of you because thespeaker is a Muslim. How does it come about that a Muslim happens to beexpounding prophecies from the Jewish and Christian Scriptures? As a young man,about 30 years ago, I attended a series of religious lectures by a Christiantheologian, a certain Rev. Hiten, at the Theater Royal, Durban inSouth Africa. Pope or Kissinger?: This Reverend gentleman was expoundingBiblical prophecies. He went on to prove that the Christian Bible foretold therise of Soviet Russia, and the Last Days. At one stage he went to the extent ofproving that his Holy Book did not leave even the Pope out of its predictions. He expatiated vigorously in order to convince his audience that the Beast 666mentioned in The Book of Revelation, the last book of the New Testament, was thePope, who was the Vicar of Christ on earth. Christian scholars are ingenious andindefatigable in their efforts to prove their case. Rev. Hitens lectures led meto ask that if the Bible foretold so many things not even excluding thePope and Israel, then surely it must have something tosay about the greatest benefactor of mankind, prophet Muhammad, may the peace ofAllah be upon him. As a youngster I set out to search for an answer. I metpriest after priest, attended lectures, and read everything that I could lay myhands relating to the fields of Bible prophecies. Tonight Im going to narrateto you one of these interviews with a Dominee of the Dutch Reformed Church. Lucky Thirteen : I was invited to the Transvaal (South Africa) to deliver a talkon the occasion of the birthday of the prophet Muhammad. Knowing that in thatprovince of the Republic, the Afrikaans language is widely spoken, even by myown people, I felt that I ought to acquire a smattering of this language so asto feel a little at home with the people. I opened the telephonedirectory and began phoning the Afrikaans-speaking Churches. I indicated mypurpose to the priests that I was interested in having a dialogue with them, butthey all refused my request with plausible excuses. No. 13 was mylucky number. The thirteenth call brought me pleasure and relief. A Dominee VanHeerden (Dominee is the Afrikaans equivalent of priest)agreed to meet me at his home on the Saturday afternoon that I was to leave forTransvaal. He received me on his verandah with a friendly welcome. He said if Idid not mind, he would like his father-in- law from the Free State, a 70 yearold man, to join us in the discus sion. I did not mind. The three of us settleddown in the Dominees library. Why Nothing? I posed the question: Whatdoes the Bible say about Muhammad? Without hesitation he answered:Nothing! I asked: Why nothing? According to yourinterpretation the Bible has so many things to say about the rise of SovietRussia and about the Last Days and even about the Pope of the RomanCatholics? He said: Yes, but there was nothing about Muhammad!I asked again: Why nothing? Surely this man Muhammad who had beenresponsible for the bringing into being a world-wide community of millions ofbelievers who, on his authority, believe in: the miraculous birth of Jesus, thatJesus is the Messiah, that he gave life to the dead by Gods permission, andthat he healed those born blind and the lepers by Gods permission. Surely thisbook (the Bible) must have something to say about this great leader of men whospoke so well of Jesus and his mother Mary? The old man from the FreeState replied: My son, I have been reading the Bible for the past 50years, and if there was any mention of him, I would have known it. Not Oneby Name! I inquired: According to you, are there not hundreds ofprophecies regarding the coming of Jesus in the Old Testament. The Domineeinterjected: Not hundreds, but thousands! I said: I am notgoing to dispute the thousand and one