Tuesday, August 6, 2019
Macyââ¬â¢s Inc Case Essay Example for Free
Macyââ¬â¢s Inc Case Essay Analyze the publicly-traded firm Macyââ¬â¢s Inc.; you are to complete a financial analysis. Complete the following steps for this portion of the project: 1. Obtain financial information for your firm for at least a 5 (2008-2012) year time period. This information should include: income statements, balance sheets, cash-flow statements. 2. Provide a brief history of the firm: You will need to do background reading about the firm in order to gain insight into its performance and behavior. Focus this section on the ââ¬Å"who, when, where and whatâ⬠questions about your firmââ¬â¢s history. 3. Complete financial measures of the firm for a multi-year time period (e.g. 5 years). This should include all measures concerning the income statement, balance sheet, and cash-flow statements. 4. Analysis of the financial performance of the firm. Once all financial measures have been determined, an analysis of this information is crucial to understanding how well the firm is performing and its current state of operations. There will be two components to this analysis: a. End-Point Analysis: Using the end-point methodology described in the document in the Reference Module of the Content Section of the course, compare the firmââ¬â¢s current financial performance to its financial performance in the beginning time frame. Describe, discuss, and analyze the changes you observe. b. Industry Comparison: Obtain current industry data on the various financial measures you have determined for the firm. Compare the performance of the firm to the industry and describe/discuss your results. 5. Summarize your findings. Based on the financial analysis you have just completed, summarize your findings and draw conclusions about the changes in the financial performance/structure of the firm over time and about the current strengths of its operations.
Monday, August 5, 2019
Introduction To Polyurethane Foam Engineering Essay
Introduction To Polyurethane Foam Engineering Essay Polyurethanes are broad class of materials used widely in many applications. Polyurethanes are also written as PUR. Polyurethanes also called as urethanes are characterized by urethane linkage -NH- C (=O) O . This linkage is formed due to the reaction of isocyanate group with hydroxyl group as shown in the following equation. [2] Equation 1.1 Equation showing the reaction of urethane linkage in polyurethanes. [2] Polyurethanes are discovered by Otto Von Bayer co workers in 1937. [3] The characteristic structure of urethanes is given as: And they can be considered as esters or amide esters of carbonic acid. [3] The polyurethanes are also sometimes called as urethanes only and they are also called as isocyanate polymers. They are synthesized by the reaction of polyfunctional hydroxyl compounds with polyfunctional isocyanates. [3] The structure of polyurethane formed from di hydroxyl compound and di isocyanate is given as: Polyurethane is widely used in various fields such as making of plastics, cushions, foams, rubber goods, synthetic leathers and fibres. The total annual production of urethanes in the world is estimated to be 8 million tons per year and is increasing 4-5 % yearly. [4] Polyurethane is a versatile polymer having unique chemistry with excellent mechanical and optical properties and have good solvent resistance. [5] Polyurethanes are materials with many applications but major applications are in furniture industry, foam industry, building construction and shoe industry and also polyurethanes can be used in medicinal and agricultural applications. [6] Polyurethanes have large number of applications and uses in different areas due to their versatility but most important application of polyurethane which has covered almost 29% of the total market of polyurethane is polyurethane foam. [7] 1.2 Polyurethane Foam The major application of polyurethane is polyurethane foams which are extensively used in many applications. They are referred as PUR foams and they are prepared by the reaction of addition, condensation or cyclotrimerization. [2] Following table shows the type of reaction in the foaming system and the resulting foam property present in the foam produced by that respective reaction. Foam Reaction Foam Property Polyurethane Poly addition Flexible and rigid Polyisocyanurate Poly cyclo trimerization Rigid Polyamide Poly condensation Flexible and rigid Polyimide Poly condensation Semi rigid and rigid Polyurea Poly addition Flexible and rigid Poly Carbodiimide Poly condensation Semi rigid Poly Oxazolidone Ring opening Poly addition Rigid and semi rigid Table 1.1 Table showing different types of foam based on their synthesis reaction [2] Mainly PUR foams are classified into two types which is flexible and rigid foam and then flexible and rigid foam are classified into various sub types depending upon the different type of applications in which they are used. Polyurethane structure consist of a polyol and polyisocyanate component we can say that polyols are the building blocks and isocyanates are jointing agents. So polyurethane foam chemistry is called as building block chemistry. All kinds of polyurethane foams are prepared with the proper choice of polyol and isocyanate component with respect to chemical structure, equivalent weight and functionality. [2] Following table shows the classification of PU foam with respect to polyol component and functionality. Polyol Rigid foam Semi rigid foam Flexible foam OH No. 350-560 100-200 5.6-7.0 OH Equivalent No. 160-100 560-280 10,000-80 Functionality 3.0-8.0 3.0-3.5 2.0-3.1 Table 1.2 Classification of polyurethane foam w.r.t polyol and functionality [2] 1.3 Foam Preparation Technology Polyurethane foams are prepared by mixing isocynate component in polyol having catalyst, fillers, additives, surfactants and other chemicals in it. No heating is required at room temperature. [2] 1.3.1 Foaming Systems Foaming systems are classified into three types based on the type of chemicals used in the synthesis process. These types are: One step One shot system Quasi Pre polymer system Full Pre Polymer system One step system and Quasi system are mostly used in foaming industries now in which one step process is used majorly while pre polymer system was used only in the early times of urethane industry. [2] 1.3.1.1 One step one shot System In one step system Component A and Component B are taken separately. Component A contains only polyisocyanate component while component B contains polyol, surfactant, blowing agent and catalyst. Both components are mixed which led to the formation of foam. 1.3.1.2 Quasi Pre polymer System In this system in component A polyisocyanate component is taken with polyol and in component B rest of the ingredients are taken with polyol which includes catalyst, blowing agent etc. Mixing forms a foaming product. 1.3.1.3 Full Pre polymer System In full prepolymer system in component A poly isocyantae component is taken and polyol is also added in it while in component B polyol is not added while the rest of chemicals like blowing agents, surfactants and catalyst are taken. Components A B are mixed and foam is formed. These foaming systems show only two component system however in industrial processes there are modifications. For example in slabstock process three or four streams are employed carrying different reactants. [2] 1.3.2 Foaming Processes Mainly three types of foaming processes are used, which are cup foaming, box foaming and machine foaming. Machine foaming is further classified into various foaming processes. [2] 1.3.2.1 Cup Foaming This foaming process is also known as hand mixing. This method is mostly used for lab scale synthesis of foaming products. In this process mixing is done in paper or plastic cups thats why called as cup foaming. In cup foaming poly isocyanate component is taken in a cup and rest of the reactants are also taken in a separate cup which includes polyols, catalysts etc. Then both the components are mixed using electric balance or by hand mixing and a foaming material is formed in the shape of a cup. This is the simple and cheap foaming process thats why used widely on lab scale. 1.3.2.2 Box Foaming Box foaming is better than cup foaming to obtain sufficient amount of samples for evaluating foam properties for machine foaming. The sizes of the box range from 15x15x15 cm and 30x30x30 cm. The inside of the box is lined with craft paper. The procedure is almost similar to that of cup foaming and mixing is done through electric drill equipped with mixer. Immediately after mixing system is poured into the box and allowed to rise to obtain foam. Foam is cured at room temperature after some time. [2] This method is also used largely on lab scale to produce foam. 1.3.2.3 Machine Foaming In machine foaming variety of machine processes are available which are one by one described as under. [2] 1.3.2.3.1 Large Box Foaming It is a discontinuous process used to produce small foam blocks with smaller volumes. The size can be 1x1x2 meters. Due to exothermic conditions small modification is required in the process as compared to the box foaming process. 1.3.2.3.2 Slabstock Foaming Slabstock foam is made by the continuous pouring of foamable liquids on a moving conveyer. A cut-off segment of the continuously produced foam loaf is called a block or bun [2]. In the case of polyether-based flexible urethane foam, a slabstock foam size can be about 1 meter high and 2 meters wide, with a foam density of 1.6 to 2.0 pound/ft3. The cross section is rectangular with a crown-shaped top surface. The higher the crown, the less the yield of available foam. Two techniques canto used to reduce the crown. One method is to pull vertical sides of rising foam. Another technique is to compress the top of crown surface. Equipment for doing this is commercially available. [2] 1.3.2.3.3 Pour-in-Place Foaming This process includes pouring of foaming ingredients into a void space to form an integral part of the foam and substrates. Products which use this process are household refrigerators and deep freezers. 1.3.2.3.4 Sandwich Foaming and Molding Sandwich foaming is used to produce sandwich panels from foam cores. It can be produced continuously using conveyers or discontinuously using jigs. Surfaces material can be craft paper in it. Molding is used to produce shaped foam products such as car seats and furniture. Reactants are placed in mold cavity and cured in the mold. After curing molded foam is removed. [2] 1.3.2.3.5 Spraying and frothing Spraying is a unique process used for urethane and iso cyanurate foams .It creates insulation layers not only on flat surfaces like roofs but also on non flat surfaces such as spherical tanks and pipes and building structures such as frames. Frothing process in urethane systems is similar to that of shaving cream. There are different types of frothing processes which are conventional frothing processes, chemical frothing and thermal frothing etc. Frothing process usage depends upon the reactants and conditions and which type of foaming product is required. [2] 1.4 Types of Polyurethane foams Major classes of polyurethane foams are flexible and rigid foam further these two types are more classified according to their extensive applications. 1.4.1 Flexible Polyurethane foam Flexible polyurethane foams are synthesized by slabstock process or by molding process and they are also classified further on the basis of technique used for their synthesis. They are also classified on the basis of polyol in polyether and polyester foams. Slabstock foams include conventional polyether foam, high-resilience (HR) foam, visco-elastic foam, super-soft foam, energy-absorbing (EA) foam, semi flexible foam, and flexible polyester foam. Molded foams are classified in two classes: hot molded foam and cold molded foam. [2] All classes of flexible foams are explained one by one as follows . 1.4.1.1 Slab stock foam The contionous piece of foam by the continuous pouring of foaming ingredients on a continuously moving conveyer is called slab stock foam. A cut off segment of slab stock foam is called as bun foam. Slab stock process is widely used in industry in production of flexible polyurethane foam. [2] In slab stock foam process inclined conveyer is used from the beginning of urethane industry. Following figure shows the production line of contionuous slab stock machine. Figure1.1 Continuous slabstock machine [2] The cross section of slabstock foams produced by the inclined conveyer process is not exactly rectangular and has crown shape. A crown-shaped cross section of foam bun results in a lower yield of fabricated foams. Accordingly, some improved processes to obtain rectangular cross sections have been proposed. One step process is widely used in these foaming systems. All ingredients are pumped into the mixing head through several streams and are poured from the mixing head onto the moving conveyer. From the standpoint of viscosity and metering accuracy, some ingredients are preblended. These blends include a blend of water and amine catalyst, a blend of tin catalyst and polyol, and a blend of physical blowing agent and polyol. The reaction temperatures in core foam usually reach about 160 to 170Ã °C. The exothermic heat is mainly a function of the water-isocyanate reaction. The reaction temperatures are affected by the isocyanate index, water level, and catalyst concentration.[2] Poly ether slab-stock foam is important in slab-stock flexible PU foams and it is produced by this slab-stock process widely in industries. 1.4.1.2 Molded Flexible foams Molded flexible foams are used for making shaped products such as automotive seats, child seats, head restraints, vibration damping for automobiles, arm rests, furniture cushions and mattresses. The density distribution of molded foams is composed of high density skin foam and low density core foam. In the molding process mixed foaming ingredients are poured through a mixing head into a preheated mold made of aluminum, steel, or epoxy resin. The mixed ingredients flow and expand in the mold, and then the molded foams are kept at the required curing temperature for a limited time, which is followed by de-molding.[2] Molded flexible foams are further classified into hot molded and cold molded flexible polyurethane foams. 1.4.1.2.1 Hot Molded flexible foams Hot molded foam is produced using conventional polyether polyol with TDI 80/20. In 1961 hot-molded urethane foam mattresses was commercialized that provided better sleeping comfort than slabstock foam mattresses and greater durability. Because of the relatively higher cost, however, the molded mattress was not competitive with slabstock foam mattresses, and production was discontinued. [2] 1.4.1.2.2 Cold Molded flexible foams Cold molded flexible foam is prepared at very low mold temperatures of 60 to 70 Ã °C with mold retention time of 10 minutes and then cured in a separate oven or at room temperature. In this type mostly isocyante components used are blends of TDI MDI and polyol used is polymer or graft polyol. Dual hardness automotive seats are made by this process using graft polyols. [2] 1.4.1.2.3 High Resilience HR foams HR foams have higher resiliency than conventional flexible foams. These foams are prepared by cold molded process. The formulation principle is to reduce intermolecular interactions such as hydrogen bonding of urethane linkages, irregular structures of polymeric molecule, and so on. High Molecular weight polyether polyols are used in the formulation of these foams. Polyisocyante components used are blends of TDI MDI with the weight ratio of 80/20. Also polymeric MDI alone can be used. HR foms are widely used in furniture and automotive applications. [2] 1.4.1.2.4 Visco-elastic foam Visco-elastic VE foams are characterized by slow recovery after compression. The foam is also called low-resiliency foam, slow-recovery foam, ergonomic foam, better-riding comfort foam, and temperature-sensitive foam. VE foams are used by NASA in early 1960 but they are highlighted commercially only in the recent years. VE foams are synthesized using polyol blend of high and low molecule weight polyols with TDI or MDI, and they can also be produced using blend of MDI TDI with polyether polyol. TDI-based VE foams are soft to the touch and have very low resilience and slow recovery. MDI-based foams are easier to process and can be produced in a wider range of isocyanate indexes. However, physical strengths of MDI-based foams are lower, resilience is higher, and compression set is better than TDI-based foams. The VE foam market includes seat cushions for people who spend a long time sitting such as truck drivers, office workers, and airline pilots, as well as for NASAs space shuttle seats, wheelchair seats, and so on; sporting goods that require energy absorption such as gym mats, helmet linings, leg guards for ice hockey, ski boots, and ice skates. [2] Our main product is VE foam and it is further explained in the later chapters. 1.4.1.2.5 Super soft slab-stock foam This foam can be prepared by using a high molecular weight polyether triol with TDI 80/20. Blowing agent can be water alone or some physical blowing agent can be used with water. It is a low density foam. Major market of super soft foam is high quality back cushions for sofas. This foam also have low cross linking density. [2] 1.4.1.2.6 Semi flexible slab-stock foam These foams have high open cells, high load bearing and high energy absorbing characteristics. These foams are used in large number of automotive applications such as bumper cores, interior knee bolsters, side impact absorbing door panels, and headliners under the automotive roof. Due to energy absorbing characteristics this foam may be called as Energy absorbing EA foam. [2] 1.4.1.2.7 Reticulated foam It is 100% open cell structure foam with no cell membranes. Removal of cell membranes for polyether foam is possible when membranes are dissolved with an alkaline solution. Reticulated foam find its applications in various mats, filters and pads.[2] Mostly the foam used in floor mats is this type of foam and it is mostly used in making mats and filters because it is completely open celled foam. 1.4.1.2.8 Integral skin flexible foam Integral skin foam is also called self skin foam. It consists of high density skin foam and low density core foam that is sandwich structure. The mold temperature for integral skin foam is carefully controlled at 40 to 70 Ã °C. Water can be used as a blowing agent but it produces thin skins. Integral skin foam is prepared by open mold process or by reaction injection molding. [2] 1.4.1.2.9 Micro-cellular Elastomers These are also called foamed urethane elastomers. The density is in the range of about 320 to 960 kg/m3. Micro-cellular foams are prepared by using aliphatic polyester diols with poly tetra methylene ether glycol (PTMEG). The poly isocyanate component used is TDI pre-polymer and liquid MDI. Also chain extenders and cross linkers are used. Water is used as a blowing agent. These elastomeric foams are used for various shock absorbing elements in vehicle suspensions, precision machines, shoe soles and sports shoes etc. [2] 1.4.1.2.10 Shoe Sole foam The advantages of polyurethane foam in shoe soles include high abrasion resistance, high flexibility, low density, high cushioning, and solvent resistance. In addition, the direct molding of the sole with the upper part of shoe makes it possible to increase production efficiency and lower production costs. Casual shoes are produced using polyether-based foam systems. Some sports shoes such as tennis shoes are produced by polyester foam systems, because polyester-based foam has higher abrasion resistance, tensile strength, and elongation at break in comparison with polyether-based foams. [2]
Sunday, August 4, 2019
A Small, Good Thing, by Raymond Carver Essay -- Raymond Carver
The short story, "A Small, Good Thing" by Raymond Carver tells of two American parents dealing with their son's hospitalization and death as the result of a hit-and-run car accident. The insensitive actions of their local baker add to their anger and confusion, yet by the end of the story, leave them with a sense of optimism and strength. With such content, Carver runs the risk of coming across as sentimental; however, this is not the case, and the anguish of the parents and their shock at the situation is expressed with dignity and understatement. It is a story with a broad appeal: the simple prose makes it accessible to a wide audience, while the complex themes and issues make it appealing to the educated reader. Written in Carver's characteristically minimalist style, the story poignantly evokes not only the trauma of the death of a child, but also the breakdown of communication and empathy in society. The plain and direct narrative style suits the content, conveying the lack of c ommunication that is central to the narrative - between the parents, between the hospital staff, and with the baker. Critically, it is generally considered one of Carver's strongest short stories. It is a tale of isolation and of grief, but also of hope, and, with its fluid, pared-down style, clearly demonstrates why Carver is widely regarded as one of the greatest writers of the late 20th century. On the surface, the story of A Small, Good Thing is simple and universal. Thirty-three-year-old Ann Weiss orders a cake for her son's Scotty's eighth birthday and is a little put off by the baker's cold attitude - "(he) was not jolly. There were no pleasantries between them, just the minimum exchange of words, the necessary information." However, she soo... ...- emotional yet not melodramatic; sparsely written yet still complex; a human story which explores the arbitrary nature of fate. The writing style is fresh and invigorating; the characters well-drawn, the narrative driving, the themes thought-provoking. While some readers are likely to be frustrated by the limited exposition and the abruptness of the actions, most could be expected to find it well worth their attention. A Small, Good Thing has become a minimalist classic, and a close reading should clearly demonstrate why Carver is regarded as one of the strongest short-story writers in recent times. Bibliography Clarke, Graham. "Investing the Glimpse: Raymond Carver and the Syntax of Silence." The New American Writing: Essays on American Literature Since 1970. Ed. Graham Clarke. New York: St. Martin's, 1990. 99-122. http://cai.ucdavis.edu/enl3/minimalism.htm
Saturday, August 3, 2019
Michelangelo :: essays research papers
MICHELANGELO à à à à à One of the most admired and successful artists of all time is Michelangelo. Although he was born in Caprese, a small village near Arezzo, Michelangelo grew up in Florence. His father was Ludovico Buonarroti, a Florentine official with connections to the ruling Medici family. At the age of thirteen, Michelangelo was placed as an apprentice in the workshop of Domencio Ghirlandaio. He then studied at the scuplture school in the Medici gardens. He was then invited into the Medici home where he met the two Medici boys who would later become Popes Leo X and Clement VII. Michelangelo produced two sculptures while in the House of Medici, the Battle of the Centaurs and the Madonna on the Stairs, both of which were completed between 1489 and 1492. à à à à à Michelangelo had several successes in his life of painting, architecture, and sculpting. His first large-scale sculpture was Bacchus. Around the same year of 1498, Michelangelo did the marble Pieta, which he finished before the age of twenty-five and is the only work he ever signed. This sculpture shows a youthful Mary with her dying son Jesus laying across her lap. Maryââ¬â¢s expression is one of resignation rather then grief. Another of his greatest works in the large marble sculpture David, which he produced between 1501 and 1504. The expression on Davidââ¬â¢s face is termed terribilita, a characteristic of many Michelangeloââ¬â¢s figures. He was later called back to Rome by Pope Julius II in 1505 for two duties. First, Michelangelo painted the frescoes on the ceiling of the Sistine Chapel. For nearly three years Michelangelo painted lying on his back on scaffolding. His second duty was to paint nine scenes from Genesis on the vault of the papel chapel, which include God Separating Light from Darkness, the Creation of Adam, the Creation of Eve, the Temptation and Fall of Adam and Eve, and the Flood. Before the assignment of the Sistine Chapel, Michelangelo had been ordered by Pope Julius II to make the popeââ¬â¢s tomb. He wanted it to be the most magnificent tomb of Christian times. Due to the lack of money, Pope Julius II ordered him to finish the Sistine Chapel. In 1536, Michelangelo started the Last Judgment for the altar wall of the Sistine Chapel. The largest fresco of the Renaissance, the project was completed in 1541. à à à à à Throughout Michelangeloââ¬â¢s life of painting and sculpting, his crown acheivement as an architect was his work at St. Peterââ¬â¢s Bascilica where he became chief architect in 1546.
Magical Realism and Mans Search For Meaning Essay -- Literature Essay
Magical Realism and Man's Search For Meaning à Magical realism was first coined by Franz Roh when he was writing about paintings. Artaro Ulsar Pietri was the first to use the term when talking about literature. Magical realism is also related to other academic fields such as philosophy, psychology, mathmatics, physics, and theology. Im magical realism, "the writer confronts reality and tries to untangle it, to discover what is mysterious in things, in life, in human acts" (Leal 121). Viktor E. Frankl uses this concept in his book Man's Search For Meaning. The magical realist characteristics that relate to this story include defamiliarization and supplementation. Through Man's Search For Meaning, Frankl explores "a reality which is already in and of itself magical or fantastic" (Simpkins 149). It tries to magnify and enlarge the small amd simple things in life. Defamiliariazation is used through human life (Simpkins 150). Defamiliarization is when an object that is common and everyday is shown in a new way that one never saw or noticed before. Supplementation is when realit...
Friday, August 2, 2019
Medieval European Sports
Sports in the Middle Ages The sports of medieval Europe were less-well-organized than those of classical antiquity. Fairs and seasonal festivals were occasions for men to lift stones or sacks of grain and for women to run smock races (for a smock, not in one). The favourite sport of the peasantry was folk football, a wild no-holds-barred unbounded game that pitted married men against bachelors or one village against another.The violence of the game, which survived in Britain and in France until the late 19th century, prompted Renaissance humanists, such as Sir Thomas Elyot, to condemn it as more likely to maim than to benefit the participants. The nascent bourgeoisie of the Middle Ages and the Renaissance amused itself with archery matches, some of which were arranged months in advance and staged with considerable fanfare. When town met town in a challenge of skill, the companies of crossbowmen and longbowmen marched behind the symbols of St.George, St. Sebastian, and other patrons o f the sport. It was not unusual for contests in running, jumping, cudgeling, and wrestling to be offered for the lower classes who attended the match as spectators. Grand feasts were part of the program, and drunkenness commonly added to the revelry. In Germanic areas a Pritschenkoenig was supposed to simultaneously keep order and entertain the crowd with clever verses. The burghers of medieval towns were welcome to watch the aristocracy at play, but they were not allowed to participate in tournaments or even, in most parts of Europe, to compete in imitative tournaments of their own. Tournaments were the jealously guarded prerogative of the medieval knight and were, along with hunting and hawking, his favourite pastime. At the tilt, in which mounted knights with lances tried to unhorse one another, the knight was practicing the art of war, his raison dââ¬â¢etre.He displayed his prowess before lords, ladies, and commoners and profited not only from valuable prizes but also from ra nsoms exacted from the losers. Between the 12th and the 16th century, the dangerously wild free-for-all of the early tournament evolved into dramatic presentations of courtly life in which elaborate pageantry and allegorical display quite overshadowed the frequently inept jousting. Some danger remained even amid the display. At one of the last great tournaments, in 1559, Henry II of France was mortally wounded by a splintered lance.Peasant women participated freely in the ball games and footraces of medieval times, and aristocratic ladies hunted and kept falcons, but middle-class women contented themselves with spectatorship. Even so, they were more active than their contemporaries in Heian Japan during the 8th to 12th centuries. Encumbered by many-layered robes and sequestered in their homes, the Japanese ladies were unable to do more than peep from behind their screens at the courtiersââ¬â¢ mounted archery contests
Thursday, August 1, 2019
My Semester Goals
turning this in these are my semester goals. I have already partially fulfilled one of them as I am on time. I have turned a new leaf in the book of my life and now am writing the story anew. The second most important goal I have this semester is an old forgotten friend that has been updated somewhat. I am maintaining a 3. 00 GPA this semester. I am doing all assignments and homework earlier than assigned. A purely social goal, I am talking and interacting more with other students in my classes. The quiet, almost invisible Landon is no more. I am enjoying my time on campus more that considering it just a ââ¬Å"place of learningâ⬠. I am helping out around my house more too. I am also trying to help keep the peace between my sisters who constantly argue and fight. Iââ¬â¢m also taking on the task of keeping my room clean. This is a very, very long-term goal. I am saving part of every paycheck I receive no matter what. I am tired of borrowing money from my mom and being broke. I am saving at least five hundred dollars by the end of this semester. The last and most important goal is that of a spiritual one. It is benefiting my spirit to complete each and every one of these goals. This is a great boost of confidence and promotes well being. I wonââ¬â¢t know if I complete these goals until the portfolio check later this year. I plan not to look at these goals until then and see how many I have completed.
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