Chili Con Carne on a College Budget

One day at work I was discussing the subject of recipes and healthy eating with one of my students. The conversation began with her lamenting her recent weight gain and how poorly she had been eating lately. While she admitted that she probably needed to start making better food choices and eating out a little less, she rationalized, “Eating healthy is so expensive and I just can’t afford to buy healthy foods on a student budget.” Actually this is not the first time I have heard this excuse. In fact it, it is one of many excuses that can range from, “I don’t cook,” to “I live by myself and I don’t see the need to go through the trouble of cooking just for me.” And so they conclude that their best alternative is to either eat out or take advantage of the numerous convenience foods (most of them highly processed) that exist in the average grocery store.

It seems the attitude has changed quite a bit since I was in college and living on a student budget. Back when I was a poor college student, eating out was a luxury with the exception of the occasional pizza shared among dorm mates. I did not think much about meal preparation the first 2 years since I lived on campus and was on the college meal plan. Once I moved into a small duplex off campus, however, and was paying month to month rent and utilities, I had a rude awakening. Although working part time at a restaurant helped, the free food benefit was only good on the nights I worked and then only after closing. It did not cover every meal and I quickly found out that if I was going to eat on a regular basis, I was going to have to buy groceries and cook since funds were extremely limited. Thankfully, I had a mom and step mom who were experts at shopping and cooking on limited funds and generously passed their wisdom on to me during my growing up years.

So while many of my college classmates were living on fast food, frozen dinners, and Ramen noodles. I was eating balanced and healthy meals and actually paying less. One of my favorite meals to prepare during the college years was black bean and turkey chili. While a 99 cent bowl of chili at a fast food restaurant might seem like a bargain at first to a struggling college student, it is most often served as a side which means in order to feel full you will most likely have to order more food to go with it and thus spend more money. This chili recipe is hearty enough to stand alone as a meal and can be made even more filling with some rice or cornbread. Plus at a total cost of $10.00 or less it may actually prove to be less expensive than that restaurant bowl of chili in the long run and a lot healthier …

How to Calculate Your GPA

Your GPA gives you a guide as to how you are doing in school and is used to determine which colleges will accept you. At the end of each semester your GPA will be posted so you can see how you’re doing but what if you want to know before it’s posted. You need to know how to work it out for yourself.

There is more than one grading scale but they are all worked out the same way, only the numbers change. To keep it simple, as the 4 point system is the most common, we’ll concentrate on that one.

Firstly each grade has a points total associated to it:

A = 4

B = 3

C = 2

D = 1

In high school the + and – are usually disregarded, while in college they generally add or subtract 0.3 from the whole letter grade so for example a B+ = 3.3 whereas a B- = 2.7.

To calculate your semester un-weighted GPA all you need to do is add the numbers up from each class and divide by the total number of classes. So if you got 3 A’s and a B your GPA = ([3 x 4] + 3)/4 = 3.75

If you want to calculate your weighted GPA you do this in the same way, assigning a points value to each grade, but instead of dividing by the number of classes you divide by the total amount of points the classes were worth. In high school you may be doing honours or AP classes, for these you simply add 0.5 or 1 point to each grade respectively.

So that’s how to calculate this semesters GPA, but how do you add in your previous GPA to get your cumulative GPA? First you need to know how many classes/points your previous GPA is for. You multiply your previous figure by the total classes/points and add this to the total for this semester. You then divide by the sum of classes/points, including the previous ones. As an example James has a GPA of 3.75 from 20 classes. In this semester he has got 2 A’s and 2 B’s. To calculate his cumulative GPA we multiply 3.75 by 20 = 75 add this semesters grades (75 + 4 + 4 + 3 + 3) = 89 and divide by 24 which = 3.71 (rounded). So James’ cumulative GPA is now 3.71.

If your school uses the 9 point scale or any of the others all you need to do is change the amount of points associated with each grade to fit your scale.…

Freelance Invoicing – Time To Become Professional In Your Approach To Your Freelance Career

The most important aspect when you become a free lancer, is how to go about dealing with freelance invoicing. If you want to take your freelancing career very seriously, then you must have to know how to issue a billing statement to your clients by way of an invoice. This has been grossly overlooked by freelancers when they are just starting out because they are more preoccupied on winning more projects and learning as much money as they can. But as time goes by, one would come to the realization that issuing an invoice is a good way of projecting a good image to a client. Not only that, you are conveying the message that you are treating the endeavor professionally.

Freelance invoicing comes in the form of free and paid services. In the former, scores of free templates are available to download online with a variety of designs to choose from. They are mostly done in Microsoft Excel or Word formats where you can do the editing of the entries. Most of these templates are simple in designs which, in my mind, should be the case in order to avoid confusion on the part of the recipient, who in this case is your client, because of so many entries in the document.

When you have finished entering the data into the document, and after examining further that all the entries are correct, then it's time to send the service invoice. Be warned that you can not send it in its current format which is in Microsoft Excel. You have to save it in a PDF file and after which you can make it as an attachment in your email. This is possible with the use of a PDF converter but the Microsoft Excel 2007, which I'm currently using, has that functionality already in place.

Usually, the paid services start by giving trial offers. You can use their services free of charge but it comes with some restrictions. One of these is the limitation of being able to send only a few invoices each month. If you are a free lancer with many clients, then the free membership is not the way to go. In a paid membership, you have the luxury of tracking the time you spend on the project which can be included in the invoice when you are billing the client. In addition, it can handle your invoice payments with credit card or Paypal integration.

Summing it all up, freelance invoicing is one of the nicest ways to handle your freelancing career. It will make you appear as professional and your clients will know that you're taking the whole thing very seriously which is good for them. If you're operating as a single entity, then the free templates will be enough to handle your affairs, but if you're a business contracting of several employees, then the paid membership is the best alternative. …

Online Social Science Degrees

The study of Social Sciences can be a pretty interesting field, especially when you enjoy researching facts and keeping tabs on current events. And the Internet has become a hub of information for scientists and researchers, making it easier to obtain facts and opinions. If you find analyzing historical facts and their effects in the short-term and long-term composition of societies interesting, then you should enroll in a Social Science course.

Students can now earn undergraduate and graduate degrees in their chosen fields, and even go so far as to earn a doctorate title in any of the social sciences disciplines or a certificate on one of the short courses. Different academic institutions are expanding into the online degree programs to reach out to more students who must juggle work, family, and education and to provide students with the chance to pursue education without having to leave their respective states.

The field of Social Sciences has a wide scope of disciplines, and all of them are available in online degree programs offered by various universities and colleges. These academic institutions are, of course, required by the law to apply for licenses, permits, and accreditation. This is how the government regulates online degree providers. The applicant must always be aware of these procedures. The fields include Criminal Justice Degrees; History Degrees; Law Degrees; Paralegal Degrees; Political Science Degrees; Public Administration Degrees; Public Policy and Administration (PPA) Degrees; Sociology Degrees; Social Work Degrees; and Interdisciplinary Degrees; among others.

Graduates of any Social Science degree program may establish careers in the government as policymakers and researchers or in corporations whose core competency is research of population demands and market behavior.…

The Benefits of Choosing a Career in Risk Management

What is risk management:

Risk management is the process of identification, assessment and treatment of risks that seeks to minimise, control and monitor the impact of risk occurrence through the cost effective utilisation of resources.

Where does risk management apply

Risks occur in every walk of life, in every industry and in every service delivery enterprise, both private and public sectors. The severity of risks occurring depends upon many factors. In order to quantify such severities most organisations traditionally employ some sort of risk processes to assess the likelihood of risks occurring and their perceived or calculated impact. This enables risks to be prioritised and resources applied to meet the overall best interests of the organisation and its internal and external stakeholders.

Risks, great and small

In today’s connected and integrated world risks and their impacts can and do translate across international boundaries. No longer are they confined to departments and within individual companies. Economic boundaries and geographical structures are such that companies now need to assess risks in a world where a volcano in Iceland can cause the closure of a manufacturing plant in Japan.

Equally at the individual organisation level the importance of undertaking health and safety risk assessments in order to protect the health, safety and welfare of it’s employees is a legal obligation for many companies. Product manufactures will undertake design risk assessments in order to ensure that the ultimate users are protected from any safety related design hazard.

Local authorities are required to ensure that they provide safe highways and passage for the general public. For example, they will need to assess the amount of sand and grit they will need to ensure they can cope with the pressures of harsh winter weather to protect the individual motorists and the unsuspecting pensioner on an icy pavement.

All of the above and in many more private and public sector industries and services there is the basic requirement for someone or some persons to identify a potential risk, to evaluate the likelihood of the risk occurring and to calculate the impact or consequence of the risk in order to best minimise its impact.

Risk management – does it work?

Armed with the knowledge that risk is everywhere but that there are robust systems and processes to manage them is it safe to say that such systems and processes work?

Certainly there are many examples of where risk management has worked. If the available systems and processes didn’t work then they simply wouldn’t be used. Risk departments and risk mangers would be unlikely to exist and an irresponsible attitude to risk would likely be prevalent.

Risk management however does not work in all cases. It’s impossible not to be tempted to assert that the BP oil well catastrophe in the Gulf of Mexico could have been prevented if the risks had been fully evaluated. Similarly the lack of controls to adherence of risk processes that has resulted in global financial problems has been laid at the doors of …