PERSONAL FINANCE 11TH EDITION KAPOOR PDF

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1 Personal Finance Basics and the Time. Value of Money 2. The Financial Flanning Process 4. Step 1: Determine Your Current Financial. Situation 5. Results 1 - 16 of Save personal finance kapoor 11th edition to get e-mail alerts and updates personal finance 11th edition kapoor pdf download personal. look guide personal finance 11th edition by kapoor as you such as. Les R. Dlabay, Robert J. Hughes Solution Manual pdf docx epub after payment. Personal.


Personal Finance 11th Edition Kapoor Pdf

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Second person creative writing Revising and editing are the two tasks you undertake to significantly improve your essay. Both are very important elements of the writing process. You may think that a completed first draft means that little improvement is needed. However, even experienced writers need to improve their drafts and rely on peers during revising and editing.

You may know that athletes miss catches, fumble balls, or overshoot goals. Dancers forget steps, turn too slowly, or miss beats. For both athletes and dancers, the more they practise, the stronger their performance will become.

Web designers seek better images, a more clever design, or a more appealing background for their web pages.

Writing has the same capacity to profit from improvement and revision. You should revise and edit in stages: do not expect to catch everything in one go. If each time you review your essay you focus on a different aspect of construction, you will be more likely to catch any mistakes or identify any issues.

Throughout this chapter, you will see a number of checklists containing specific things to look for with each revision. For example, you will first look at how the overall paper and your ideas are organized. In the second section of this chapter, you will focus more on editing: correcting the mechanical issues. Also at the end of the chapter, you will see a comprehensive but more general list of things you should be looking for.

Understanding the Purpose of Revising and Editing Revising and editing allow you to examine two important aspects of your writing separately, so that you can give each task your undivided attention. When you revise, you take a second look at your ideas.

You might add, cut, move, or change information in order to make your ideas clearer, more accurate, more interesting, or more convincing. When you edit, you take a second look at how you expressed your ideas. You fix any problems in grammar, punctuation, and sentence structure.

You make your essay into a polished, mature piece of writing, the end product of your best efforts. Tip How do you get the best out of your revisions and editing? Here are some strategies that writers have developed to look at their first drafts from a fresh perspective. Try them throughout the writing process; then keep using the ones that bring results. You are proud of what you wrote, but you might be too close to it to make changes. For many people, the words provoke only negative feelings that make them blush, grumble, or shout.

Set aside your writing for a few hours or even a day until you can look at it objectively. However, as a writer and a thinker, you need to learn to be critical of yourself in a positive way and have high expectations for your work. Ask someone you trust for feedback and constructive criticism. You also need to train your eye and trust your ability to fix what needs fixing.

To do this, you need to teach yourself where to look. Revising Your Paper: Organization, Cohesion, and Unity When writing a research paper, it is easy to become overly focused on editorial details, such as the proper format for bibliographical entries. However, before you begin to address them, it is important to spend time reviewing and revising the content of the paper. A good research paper is both organized and cohesive. Organization means that your argument flows logically from one point to the next.

Cohesion means that the elements of your paper work together smoothly and naturally. Revise to Improve Organization When you revise to improve organization, you look at the flow of ideas throughout the essay as a whole and within individual paragraphs. You check to see that your essay moves logically from the introduction to the body paragraphs to the conclusion, and that each section reinforces your thesis.

Use Checklist Checklist Does each body paragraph have a clear main idea that relates to the thesis? Do the main ideas in the body paragraphs flow in a logical order? Do I need to add or revise topic sentences or transitions to make the overall flow of ideas clearer? Does my conclusion summarize my main ideas and revisit my thesis? At the paragraph level Does the topic sentence clearly state the main idea?

Do the details in the paragraph relate to the main idea?

Do I need to recast any sentences or add transitions to improve the flow of sentences? As he read, he highlighted the main idea of each paragraph so he could see whether his ideas proceeded in a logical order. However, he did notice that one paragraph did not have a clear main idea. During revision, Jorge added a topic sentence that clearly connected the paragraph to the one that had preceded it.

He also added transitions to improve the flow of ideas from sentence to sentence. You will use this for multiple self-practice exercises in this chapter. Read your paper paragraph by paragraph. Highlight your thesis and the topic sentence of each paragraph.

Using the thesis and topic sentences as starting points, outline the ideas you presented—just as you would do if you were outlining a chapter in a textbook. Do not look at the outline you created during prewriting. You may write in the margins of your draft or create a formal outline on a separate sheet of paper. Next, reread your paper more slowly, looking for how ideas flow from sentence to sentence.

Identify any places where you may need to reorganize ideas.

Identify places where adding a transition or recasting a sentence would make the ideas flow more logically. Begin to revise your paper to improve organization. Start with any major issues, such as needing to move an entire paragraph. Then proceed to minor revisions, such as adding a transitional phrase or tweaking a topic sentence so it connects ideas more clearly.

Optional collaboration: Please share your paper with a classmate. Repeat the six steps and take notes on a separate piece of paper. Tip Writers choose transitions carefully to show the relationships between ideas—for instance, to make a comparison or elaborate on a point with examples. Make sure your transitions suit your purpose and avoid overusing the same ones.

Creating Coherence Careful writers use transitions to clarify how the ideas in their sentences and paragraphs are related. These words and phrases help the writing flow smoothly.

Adding transitions is not the only way to improve coherence, but they are often useful and give a mature feel to your essays. Earlier chapters have discussed using transitions for specific purposes in the planning of your writing. Table She looked for places where she needed to add a transition or perhaps reword the text to make the flow of ideas clear.

In the version that follows, she has already deleted the sentences that were off topic. Tip Many writers make their revisions on a printed copy and then transfer them to the version on screen. What transition words or phrases did Mariah add to her paragraph? What effect does adding additional sentences have on the coherence of the paragraph?

When you read both versions aloud, which version has a more logical flow of ideas? Revise to Improve Cohesion When you revise to improve cohesion, you analyze how the parts of your paper work together.

Do you agree with the transitions and other changes that Mariah made to her paragraph? You look for anything that seems awkward or out of place. Revision may involve deleting unnecessary material or rewriting parts of the paper so that the out of place material fits in smoothly.

In a research paper, problems with cohesion usually occur when a writer has trouble integrating source material. Overusing paraphrased and quoted material has the same effect. Make sure entertaining quotes or anecdotes serve a purpose. Have I included support from research for each main point in the body of my paper?

Have I included introductory material before any quotations? Quotations should never stand alone in a paragraph.

Does paraphrased and quoted material clearly serve to develop my own points? Do I need to add to or revise parts of the paper to help the reader understand how certain information from a source is relevant? Are there any places where I have overused material from sources? Does my conclusion make sense based on the rest of the paper?

Make sure any new questions or suggestions in the conclusion are clearly linked to earlier material. As Jorge reread his draft, he looked to see how the different pieces fit together to prove his thesis. He realized that some of his supporting information needed to be integrated more carefully and decided to omit some details entirely. Jorge decided that his comment about pizza and birthday cake came across as subjective and was not necessary to make his point, so he deleted it.

He also realized that the quotation at the end of the paragraph was awkward and ineffective. How would his readers know who Kwon was or why her opinion should be taken seriously? Adding an introductory phrase helped Jorge integrate this quotation smoothly and establish the credibility of his source. Each time you come to a place that cites information from sources, ask yourself what purpose this information serves. Check that it helps support a point and that it is clearly related to the other sentences in the paragraph.

Identify unnecessary information from sources that you can delete. Identify places where you need to revise your writing so that readers understand the significance of the details cited from sources. Make sure the information presented works with ideas in the body of the paper. Skim the body paragraphs once more, looking for any paragraphs that seem packed with citations. Revise the places you identified in your paper to improve cohesion.

Optional collaboration: Please exchange papers with a classmate. On a separate piece of paper, note any areas that would benefit from clarification.

Writing at Work Understanding cohesion can also benefit you in the workplace, especially when you have to write and deliver a presentation. If you choose to use these elements, make sure they work well with the substantive content of your presentation.

For example, if you are asked to give a financial presentation, and the financial report shows that the company lost money, funny illustrations would not be relevant or appropriate for the presentation. Tip Reading your writing aloud will often help you find problems with unity and coherence. Identify places where you find yourself confused, and write a note to yourself about possible fixes.

Creating Unity Sometimes writers get caught up in the moment and cannot resist a good digression. Even though you might enjoy such detours when you chat with friends, unplanned digressions usually harm a piece of writing. Following your outline closely offers you a reasonable guarantee that your writing will stay on purpose and not drift away from the controlling idea.

However, when writers are rushed, are tired, or cannot find the right words, their writing may become less than they want it to be. Their writing may no longer be clear and concise, and they may add information that is not needed to develop the main idea.

When a piece of writing has unity, all the ideas in each paragraph and in the entire essay clearly belong and are arranged in an order that makes logical sense.

When the writing has coherence, the ideas flow smoothly. The wording clearly indicates how one idea leads to another within a paragraph and from paragraph to paragraph.

When she revised her essay, she deleted the off-topic sentences that affected the unity of the paragraph. Is the explanation of what screen resolution means a digression? Or is it audience friendly and essential to understanding the paragraph? Collaboration: Please share with a classmate and compare your answers. Now, print out another copy of your essay or use the printed version s you used in Self—Practice Exercises Reread it to find any statements that affect the unity of your writing.

Tip When you reread your writing to find revisions to make, look for each type of problem in a separate sweep. Read it straight through once to locate any problems with unity. Read it straight through a second time to find problems with coherence.

You may follow this same practice during many stages of the writing process. Writing at Work Many companies hire copy editors and proofreaders to help them produce the cleanest possible final drafts of large writing projects. Copy editors are responsible for suggesting revisions and style changes; proofreaders check documents for any errors in capitalization, spelling, and punctuation that have crept in. Many times, these tasks are done on a freelance basis, with one freelancer working for a variety of clients.

Using a Consistent Style and Tone Once you are certain that the content of your paper fulfills your purpose, you can begin revising to improve style and tone. Together, your style and tone create the voice of your paper, or how you come across to readers.

Style refers to the way you use language as a writer—the sentence structures you use and the word choices you make. Tone is the attitude toward your subject and audience that you convey through your word choice. Determining an Appropriate Style and Tone Although accepted writing styles will vary within different disciplines, the underlying goal is the same—to come across to your readers as a knowledgeable, authoritative guide.

Writing about research is like being a tour guide who walks readers through a topic. A stuffy, overly formal tour guide can make readers feel put off or intimidated. Too much informality or humour can make readers wonder whether the tour guide really knows what he or she is talking about. Extreme or emotionally charged language comes across as unbalanced. To help prevent being overly formal or informal, determine an appropriate style and tone at the beginning of the research process.

Consider your topic and audience because these can help dictate style and tone. A strong research paper comes across as straightforward, appropriately academic, and serious. It is generally best to avoid writing in the first person, as this can make your paper seem overly subjective and opinion based. You can check for consistency at the end of the writing process. Checking for consistency is discussed later in this section.

I have avoided using first person pronouns such as. I have defined specialized terms that might be unfamiliar to readers. I have used clear, straightforward language whenever possible and avoided unnecessary jargon. My paper states my point of view using a balanced tone—neither too indecisive nor too forceful. Word Choice Note that word choice is an especially important aspect of style. In addition to checking the points noted on Checklist Exclusive use of masculine pronouns or awkward use of Use of outdated or offensive terms to refer to specific ethnic, racial, or religious groups Tip Using plural nouns and pronouns or recasting a sentence can help you keep your language gender neutral while avoiding awkwardness.

Keeping Your Style Consistent As you revise your paper, make sure your style is consistent throughout. Look for instances where a word, phrase, or sentence does not seem to fit with the rest of the writing.

It is best to reread for style after you have completed the other revisions so that you are not distracted by any larger content issues. Revising strategies you can use include the following: Read your paper aloud. Sometimes your ears catch inconsistencies that your eyes miss. Share your paper with another reader whom you trust to give you honest feedback. Another reader may be more likely to notice instances of wordiness, confusing language, or other issues that affect style and tone.

You may even wish to use a sheet of paper to cover up everything on the page except the paragraph you are editing. This practice forces you to read slowly and carefully.

Mark any areas where you notice problems in style or tone, and then take time to rework those sections. On reviewing his paper, Jorge found that he had generally used an appropriately academic style and tone.

However, he noticed one glaring exception—his first paragraph. He realized there were places where his overly informal writing could come across as unserious or, worse, disparaging. Revising his word choice and omitting a humorous aside helped Jorge maintain a consistent tone. Using Checklist You may use either of these techniques: Print out a hard copy of your paper or work with your printout from Self—Practice Exercise Check for the issues noted on Checklist If you prefer to work with an electronic document, use the menu options in your word processing program to enlarge the text to or percent of the original size.

Make sure the type is large enough that you can focus on one paragraph at a time. Read the paper line by line as described in step 1.

Personal Finance

Highlight any areas where you notice problems in style or tone, and then take time to rework those sections. On a separate piece of paper, note places where the essay does not seem to flow or you have questions about what was written. Completing a Peer Review After working so closely with a piece of writing, writers often need to step back and ask for a more objective reader.

What writers need most is feedback from readers who can respond only to the words on the page. When they are ready, writers show their drafts to someone they respect and who can give an honest response about its strengths and weaknesses. To connect with Common Services Centers, join Facebook today.

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Personal Finance Kapoor

Guidelines for Farmer Registration Online. Now the online farmer registration form are available at the official food portal of Uttar Pradesh. After the completion of registration process. Saturday, June 15, This arrangement allows employees to set aside part of their salary for paying medical or dependent care expenses. Two methods may be used to assess the monetary value of employee benefits: Market value calculations determine the specific monetary value based on the cost if the employee has to pay for the item.

Future value calculations can enable you to assess the long-term worth of such employee benefits as pension program and retirement plans. Have students talk to various employees to determine why they enjoy their place of employment. Communicating and working well with others will enhance your chances for financial advancement and promotion. Training Opportunities p. Various methods for updating and expanding your knowledge are available.

Formal methods include company development activities, seminars offered by professional organizations, graduate, and advanced college courses. Informal methods for obtaining knowledge include reading and discussion with colleagues.

Career Paths and Advancement p. A successful technique for coping with the anxieties associated with career development is to gain the support of an established person in your field. A mentor is an experienced employee who serves as a teacher and counselor for a less experienced person in a career field. Changing Careers p. Indications that it is time to move on include: About 10 percent of the work force changes jobs each year. This involves people who are young with higher levels of education.

Individuals with specific training and who are established in a profession are less likely to change careers. With this blended format, you first highlight skills and experience relevant to the position. This is followed by your employment history section, which reports specific experiences that match the requirements for the job. A targeted application letter describing specific experiences and accomplishments can be used in some situations. Creating a Cover Letter p.

The three main sections of a cover letter are: Exhibit 2-C p. Chapter 02 - Financial Aspects of Career Planning referring to the job or type of employment in which you are interested. The development section should highlight the aspects of your background that specifically qualify you for the job..

The concluding paragraph should request action from the employer. Ask for the opportunity to discuss your qualifications and potential with the employer in more detail. Include information to make contacting you convenient. The Job Interview p. Exhibit 2-D p.

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Prepare for the interview by obtaining additional information about your prospective employer. Develop questions that you would like to ask the interviewer. Successful interviewing requires practice. By using a recorder or working with friends, you can develop the confidence needed for effective interviewing. The screening interview is an initial meeting, usually brief, with applicants that is designed to reduce the pool of job candidates to a workable number.

The selection interview usually involves a series of activities-responses to questions, meetings with several people, and a seminar presentation.

Prospective employees are asked how they might handle various work situations. Have students prepare written or oral answers to some of the interview questions in Exhibit 2-E. Use PPT slides Hiring employers want the following: The "How To…" feature p.

An informational interview has the purpose of obtaining employment in a specific job position.

The purpose of a screening interview is to reduce the number of candidates for a job to a workable number. An interest inventory is designed to measure a. An example of a social influence on career opportunities would be a. Professional associations would be most helpful in career planning by a.

A n interview is designed to judge the potential of final candidates for a job position. For each of the following items, answer yes or no: Yes No 1.

I have opportunities to develop my special talents. My job is usually challenging. The pay and financial benefits are appropriate. I have good job security. I rarely have conflicts on the job. There are reasonable opportunities for promotion.

Promotions are handled fairly. Management appreciates my efforts. I get enough direction and support from management. My work environment is friendly and congenial. I can choose when I want to take time off. If you answered: Yes times — You are relatively happy and satisfied in your work. Yes times — Like most people, your job has good and bad points.

Make efforts to improve any areas of major concern. Yes times — Your job is only tolerable. Try to reposition your duties or consider a move. Yes times — This job is not meeting your needs. A change is almost inevitable. Consider retraining or an advanced degree. How does a job differ from a career? A job is an employment position that is usually obtained mainly for money.

In contrast, a career is a commitment to a profession that requires continued training and offers a clear path for occupational growth. What opportunity costs are associated with career decisions? Career trade-offs include making less money for personal satisfaction, not taking a promotion that requires moving, working part-time in order to spend time with family, and owning your own business instead of working for someone else.

What skills would be of value in most employment situations? Working well with others, a desire to improve, a wide variety of reading interests, coping with conflict, adapting to change, anticipating problems, computer knowledge, working in teams, creative problem solving, research ability, communication skills, and understanding motivation.

What are some examples of demographic and economic factors that affect career opportunities? The availability of jobs is affected by economic conditions interest rates, consumer demand and social influences two-income families, single parent households, people living longer. How does technology affect employment positions?

Technology decreases the need for manual workers and increases the need for technical skills. How can a person obtain employment-related experiences without working in a job situation? Employment-related experiences may be obtained through an internship program, cooperative education, volunteer work with community organizations, class assignments, and campus activities.

What types of career information sources can be helpful for identifying job opportunities? Chapter 02 - Financial Aspects of Career Planning Helpful career information sources include library materials, newspapers, magazines, the Internet, career development office, community organizations, professional associations, and business contacts. Personal needs and those of other household members will influence the selection of various employee benefits.

What methods can be used to measure the monetary value of employee benefits? Market value and future value calculations can be used to compare employee benefits. What types of activities would you recommend for people who desire career advancement and professional growth?

For increased personal and economic career advancement, improved daily work habits can be a key to success. In addition, improvements in your communication and human relations skills are also beneficial. Continuing education such as personal study, formal courses, and professional seminars will also increase your chances of financial and economic advancement.

What factors should a person consider before changing jobs or career fields? A person should consider the personal and financial costs of the job change along with determining how the new situation will serve personal needs and goals. Determining the Future Value of Education.

What would be the total amount of these additional earnings? What would be the future value of these additional earnings based on an annual interest rate of 6 percent? Use Table 1—B in the Chapter 1 Appendix. Medium Bloom tag: Application Chapter 02 - Financial Aspects of Career Planning 2. Comparing Living Costs. He is interviewing for a position in a city with a cost of living 12 percent higher than where he currently lives.

What is the minimum salary Brad would need at his new job to maintain the same standard of living? Easy Bloom tag: Application 3. Calculating Future Value of Salary. The company gives annual raises of 4 percent. Year 1: Application 4. Computing Future Value. Use the tables in the Chapter 1 appendix.

Application 5. Comparing Taxes for Employee Benefits. Which of the following employee benefits has the greater value? Use the formula given in the Financial Planning Calculations box on page 65 to compare these benefits. Assume a 28 percent tax rate. Chapter 02 - Financial Aspects of Career Planning a. Hard Bloom tag: Application, analysis 6. Comparing Employment Offers.This arrangement allows employees to set aside part of their salary for paying medical or dependent care expenses.

Future Value of Advanced Training. Application, analysis 6.

Here, he was apparently privy to some inside gossip, part of the inspiration for founding the Drudge Report. Career planning and advancement involve the following stages and activities: Your Employment Rights 5.

This activity can provide students with valuable insight into the reality of employee benefit programs. Even though you might enjoy such detours when you chat with friends, unplanned digressions usually harm a piece of writing. Menu; HomeKisan Network is an online marketplace for Indian agriculture.

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