Philosophical and Ethical Concepts Essay Example | Topics and Well Written Essays - 2750 words

Philosophical and Ethical Concepts - Essay Example More than 70 percent of the Americans accept that the associations have been expressed to be inefficient on the beneficent supports that they get. Just 10 percent of the Americans are persuaded that the foundation associations have been making the best choice and utilizing the cash carefully. 17 percent of the Americans accept that the assets were settling on the correct choices. The insights show how much the foundation association made doubt to their benefactors. The moral concern is of much significance for this situation, and they need a lot appropriate comprehension. The ethical judgment comes later in the wake of tending to the moral concerns. To begin with, one needs to experience the chief powers that influence the experience of the associations. The moral issues that are in the non-benefit part ought to likewise be the topic of conversation so as to take care of the issues that are related with the beneficent associations. From there on there must be answers for the issues t hat face the cause associations on the issue of offense. There are the moral difficulties in the associations, and they lead to the unfortunate behavior. The difficulties that are obvious for this situation and they end up in criminal infringement (VanderWallen 142). The ethical lead has got some pivotal elements that impact them. Moral mindfulness is a lot of fundamental with regards to tending to the moral issues. In the wake of making the ethical mindfulness in a cause association, it is essential to think of a moral dynamic which is from that point followed by moral goal. The last advance is thinking of the ethical activities. Following every one of these means will bring about the disposal of the unfortunate behavior. The ethical judgment of the individuals is essential for all angles. For this situation the ethical feeling of the contributors is basic. The contributor is an individual who needs to add to the foundation work. It is urgent for the benefactors to be illuminated about the wrongdoings in association. The

Working Like an Elephant Eating Like an Ant Essay Example

Working Like an Elephant Eating Like an Ant Essay Example Working Like an Elephant Eating Like an Ant Paper Working Like an Elephant Eating Like an Ant Paper Soga Fajimi Dr. Matos 15 October 2010 English 101 Working Like an Elephant, Eating Like an Ant Where there is no law there can never be sin. In a similar scale where there are at least two observers reality will be built up, Human rights depict equivalent rights and opportunity for everyone by the reality of being human and without qualification of any sort of race, shading, sex, language, religion, political or different sentiments. In any case, numerous individuals have consistently experienced the absence of them since forever. Indeed, the absence of human rights has a great deal of impacts on individuals lives. In Up Against Wal-Mart, Karen Olsson depicts unsuitable ways by which Wal-Mart treat their representative while Sebastian Mallaby in â€Å"Progressive Wal-Mart. Really† sees same organization as a hero to poor people and low pay families. We can see the expert and con from the two sides. Compromising worker from framing association, infringement of the equivalent compensation law, zero installment for extra time, paying beneath the lowest pay permitted by law, rub Paul to pay Apollo. To see whether the Wal-Mart response against its representative from joining the association isn't right or right, we have to know the definition or what the worker's guild depend on. Worker's guild is a relationship of laborers that looks to improve the monetary and social prosperity of its individuals through gathering activity. A worker's organization speaks to its individuals in arrangements with a business in regards to all the terms and states of a work contract. These exchanges are called aggregate bartering, which is worried about wages, working hours, incidental advantages, professional stability, security and other identified with an employee’s working condition. This procedure is presently a vital piece of the worker's guild development and an acknowledged practice in numerous mechanical countries. Olsson states â€Å" In 10 separate cases, the National Labor Relations Board has decided that Wal-Mart over and over violated the law by investigating laborers, seizing association writing, and terminating association supporters†(p 435). Numerous workers have been terminated in light of the fact that they show enthusiasm for joining association. Since they are not permitted to join association all the incidental advantage had been relinquished. It doesn't talk well when workers are oppressed by the business. It ought to be noticed that Wal-Mart is obliged to offer a similar compensation and advantages for they can't demonstrate that the distinction in pay or advantages has come about due to an explanation other than one identified with the sexual orientation of the workers. By doing so they have damaged The Equal Pay Act of 1963 EPA 29 U. S. Code Chapter 8  § 206(d). The Equal Pay Act (some portion of the Fair Labor Standards Act) which forbids wage separation by businesses and work associations dependent on sex. It goes therefore in area (d) of the Act Prohibition of sex segregation: (1) No business having representatives subject to any arrangements of this segment will separate, inside any foundation wherein such representatives are utilized, between workers based on sex by paying wages to representatives in such foundation at a rate not exactly the rate at which he pays wages to workers of the other gender in such foundation for equivalent work on occupations the presentation of which require equivalent ability, exertion, and obligation, and which are performed under comparable working conditions, with the exception of where such installment is made as per (I) a status framework; (ii) a legitimacy framework. From the above it is exceptionally certain that Wal-Mart has damaged the Act, Olsson referenced in two distinctive event where Wal-Mart pay the female laborer not exactly the male partners. He states â€Å"The retailer additionally faces a sex separation claim that blames it for wrongly denying advancements and equivalent compensation to 700,000 women† (344). Besides, â€Å"†¦the organization pays female head supervisors not as much as men in the equivalent position† (350). Indeed, even Hillary Clinton when she was a first woman in Arkansas she was named to ensure that man and ladies are of equivalent advantage. In any case, all the two situations referenced above happened after, this has affirms that Wal-Mart are brought law into their hand. There ought to be no explanation where any organization or associations like Wal-Mart pay not exactly the lowest pay permitted by law as expressed by the United States Department of Labor. Olsson portrayed the wages as low as anything, imaging a representative McLaughlin who has been with the organization for a long time despite everything procuring $16,800 per year and considered high-paid. I don’t figure having second occupation ought to be models to make due throughout everyday life. With the way that they pay not exactly should, they deducted $85 as medical coverage inclusion from the $550 they pay each fourteen day. In a circumstance like this you don’t work to live rather you live to work. We ought to have inferred that Mallaby deserver privileged honor in his section â€Å"Progressive Wal-Mart. Really† on November 28, 2005 where He depicted Wal-Mart as savoir and Samaritan for poor. He states â€Å"The normal client procures $35,000 every year, contrasted and $50,000 at Target and $74,000 at Costco. Additionally, Wal-Mart’s â€Å"everyday low prices† make the greatest to the poor† (357). The inquiry is that can there be leg without head? I trust Mallaby probably got his own offer from $6. 6 billion benefits stashed by Wal-Mart. In the event that an organization makes a benefit of over $6 billion, I see no motivation behind why those behind such enormous ought to endure. The worker of such organization that work like an elephant ought to in a similar scale eat like elephant dislike a subterranean insect. It is a great idea to fulfill client or purchaser however such fulfillment ought to be legitimize and not to focus on Paul request to pay Apollo. Mallaby ought to have considered a situation where Wal-Mart was constraining representatives to stay at work longer than required without pay and saw as blameworthy of disregarding the pay and-hour laws by the jury in Oregon and put himself in a similar shoe with workers. All the cash that has been squandered to sort out enemy of association workshops and those spent on video ought to be for the better living of the representative. Martin Levitt admitted to have helped the organization in creating strategies for hostile to association additionally more likely than not got national cake from the organization such movement in only out of line and wrong I accept that soon Mallaby too will admit. To this end Wal-Mart should utilize it’s comfort to badly arranged boss as opposed to the next route round it’s motto â€Å"everyday low price† ought to be reached out to representatives It is the greatest private business in the United States. Not just greatest business, I have most likely that it has gathered a stunning history of being sued for some, reasons, including unlawfully forestalling the unionizing of its laborers, and pretty much every other possible infringement of laborers rights: victimization the crippled, sexual segregation, absence of human services inclusion, and unpaid extra time. By and large, lower than the business standard. In the ongoing year there were many legal claims pending against the organization in various states in the US for infringement of extra time laws. It lost most the legal claim where ladies demonstrated that they endured sex segregation as workers of the organization.

Field of Dreams - The Innocence in History :: Field of Dreams Essays

Field of Dreams - The Innocence in History [1] Baseball is America’s most loved leisure activity. At the point when individuals hear America, they consider crusty fruit-filled treat, basics, July fourth, and definitely the everlasting adoration for this nation, baseball. The credit is given to a man named Alexander J. Cartwright, who drew up a lot of rules for a game played with a bat, a round ball, and a glove. Alongside the guidelines came a portraying of a jewel formed field on which the game was to be played. The standards that Cartwright reviewed in 1845 may have very much changed fairly, yet the sport of baseball has remained strikingly steady from the beginning of time into today. [2] Cartwright was a piece of a baseball club group called the â€Å"New York Knickerbocker Base Ball Club,† and his principles were for utilization of just this club. Before long, different clubs began to get keen on these standards, and they received them into their own ball clubs and games. â€Å"It is clear that different groups were playing a decent brand of ball, for in the principal ball game on record, played in Elysian Fields, Hoboken, N.J., on June 19, 1846, a group called the New Yorks, playing under Cartwright’s runs on a precious stone of his particulars, crushed the Knickerbockers 23 to 1 of every four innings† (Lieb1). [3] Baseball at that point extended itself and proceeded onward to incorporating youngsters of â€Å"means and social positions.† In the 1850’s, baseball had an enormous force that connected with numerous individuals from the East Coast some portion of the nation. It got craftsmans, tradesmen, and shipwrights to frame groups and play against one another. These groups of working men played against different groups that were comprised of socialites. Inside these club groups, however, there was a great deal of contradiction in light of the fact that the individuals who used to participate in these games were predominantly from the New York and Massachusetts regions. There were numerous errors between the New York rules and the Massachusetts rules. This at that point prompted the establishing of the National Association of Baseball Players on March 10, 1858. [4] The new guidelines that the National Association of Baseball Players had introduced then permitted the beginners and others to play the game also.

Essay About System Thinking for Sustainability Essays

Paper About System Thinking for Sustainability Essays Paper About System Thinking for Sustainability Essay Paper About System Thinking for Sustainability Essay Instructing System Thinking for Sustainability: Experience with a Developing Country In their examination paper, Educating System Thinking for Sustainability: Experience with a Developing Country, Nam C. Nguyen, Doug Graham, Helen Ross, Kambiz Maani and Ockie Bosch depicts a way to deal with instructing framework thinking and related ability working for a group of experts and administrators from Vietnam, a creating nation, engaged with the endurable administration of a world situation hold. The group of experts was pulled in were attracted to the countrys framework way to deal with figuring out how to Cat Ba Biosphere Reserve as it offers the most ideal approach to address segments of supportability comprehensively while outperforming hierarchical and disciplinary storehouses. The assessment brought about the creators posting the key highlights to include: concentrating as a gathering of experts, with incomparable hierarchical arrangement and commitment to apply frameworks approaches in the working environment; engaging grown-up learning techniques intended to the requirements of members; enhancing instructing of frameworks recognizing and abilities with participatory methodologies for working with the members in making answers for their manageability matters; what's more, working in evaluation at each stage, through participatory methodologies learned in the course. The creators did their preparation program starting with atmosphere setting exercises which are intended to build up an open law based condition with a friend approach rather than the standard understudy instructor approach. They majored on the imparting abilities and the working with seniors as the primary changes to the arranged substance, for the most part to assist students with recognizing and explain the issues they normally experience and wish to survive. It additionally helps understudies to apply the recently learned data to their current experience fundamentally to assist them with making their learning increasingly significant. The writers at that point had the members gathered to and permitted them to build up their course assessment in their gatherings, an intriguing strategy the members previously learned, and afterward utilize the strategies to assess each segment of their preparation. The methodology permitted the creators to meet other grown-up taking in standards recovered from outer sources. The standard was separated from Burns (2002) and included; empowering helpful exercises and forgoing making rivalry and making decisions; recognizing and advancing self-heading in picking up; helping with creating self-assessment systems and giving the students a feeling of progress towards their individual objectives. The creators stressed the significance of reflection by building information surveys and giving time to respondents to talk about the substance accessible in Vietnam. The different modes utilized by the writers in the grown-up learning approach were as featured in an ongoing paper composed by Wirtenburg, Russell and Lipsky (2009). The examination permitted the members to comprehend the hypotheses, strategies, and ideas applied in the short courses, which they were then permitted to use practically speaking. Subsequent to removing a few exercises and newly discovered information, the members were permitted to apply their new gets effectively into their work. Frameworks Thinking Training The creators essential goal for the preparation was to upgrade the members abilities and skill in frameworks thinking, incorporated characteristic asset the board, and tending to maintainability issues. As indicated by the creator, the program was basic in uniting the students for a 2-month just learning discussion and laying a strong reason for joint arranging and strategy improvement upon the members come back to Vietnam. The creators accepted that the preparation conquered their first hindrance in the underlying venture. They believed that they halfway accomplished their target in the present moment just as the steady exercises and plans shaping a reason for effective results in the long haul. The projects principle esteem for the members speaking to different degrees of administration could impressively help evacuate certain obstructions to correspondence and data streams and improving dynamic procedures. The program additionally built up a typical comprehension of the issues, making a typical vision and pledge to activity. Since the members hold fitting and crucial positions related legitimately to the administration of the CBBR, their contribution of intensity and initiative would be critical to the interminable continuation of the CBBR venture. In spite of the fact that still being developed procedure, the manageability venture activity in Vietnam has begun a snowball. The creators found the key highlights of the preparation to incorporate concentrating as a gathering of experts, with incomparable hierarchical arrangement and commitment to apply frameworks approaches in the working environment; engaging grown-up learning approaches intended to the requirements of members; enhancing educating of frameworks observing and aptitudes with participatory methodologies for working with the members in making answers for their supportability matters; and working in appraisal at each stage, through participatory methodologies learned in the course. Alluding to Midgleys (2000), contention, the creators contend that frameworks network has an obligation to go after those inexperienced with the language and instruct them. In accordance with different creators look into, Nguyen et al., express that learning framework examine on complex framework and instructing frameworks believing is so far at a beginning time. The creators program has supplanted training framework thinking which is showing grown-up experts in the point of view of a creating nation, for example, Vietnam. The executives Education Notwithstanding, as per Sunley Leigh (2016) affirmation is in opposition to Nguyens where the previous accept that the significance of all encompassing administration training can include division of the substance from the learning strategies. As per Sunley Leigh (2006), the expanding utilization of dependable administration instruction (RME) in the scholastic research, productions and discussions could require that Nguyen et al., could too apply the angle in their investigation. Putting together the examination with respect to business angle by considering, state training for mindful administration, the creators would have improved the significance of their exploration, since Vietnam being a creating nation, learning on the best way to essentially apply learned instruction in the board could profit the Vietnamese business industry too. In the examination, Nguyen et al. created and tried the strategy for instructing framework thinking to directors while applying issue based learning method installed inside a grown-up learning approach. After the assessment, the creators discovered that the respondents built up an all encompassing perspective on the issues, giving a setting to their work when they return to their associations. The members were additionally seen as ready to share their frameworks thinking abilities with others inside their nation, therefore expanding administration. In view of the assessment, the creators accepted that the frameworks preparing programs including the ones they talked about in the paper are fit for contributing fundamentally to the frameworks network endeavors about the creation framework thinking and framework training getting unremarkable and ingested into the logical research. The creators did their assessment likewise to current insights which is viewed as the necessary piece all things considered. The assessment of the preparation programs examined in the paper were in contrast with different pioneers including the K12 System Dynamics of the United States school ventures, framework courses and projects offered in such foundations as Open University and at the Center for Systems Studies in the UK, the University-wide Master program of Sustainable Systems offered at the University of Queensland, Australia. The paper featured primarily on the significance of encouraging frameworks thinking to give an example educational program and instructing procedure dependent on grown-up learning standards.

8 Ways To Save Money Today, Tomorrow and Every Day After

8 Ways To Save Money Today, Tomorrow and Every Day After 8 Ways To Save Money Today, Tomorrow and Every Day After 8 Ways To Save Money Today, Tomorrow and Every Day AfterMaking a budget, automating your savings, and choosing a night in over an expensive evening out are all great ways to save.One of the main reasons that so many people fall prey to predatory no credit check loans is because they don’t have any money in savings. In fact, a recent study from the Federal Reserve found that 40 percent of Americans don’t even have $400 in savings to deal with emergency expenses. When they need quick cash, they have to turn to payday loans and high-interest cash advances.If you’re a member of that 40 percent, the time to take control of your financial future is now. Building up your savings is the first step towards financial security and its a step that you can take right now. That’s why we reached out to a number of financial experts to learn their best tips for saving money both in the short and the long-term. Here’s what they had to say 1. Save more by spending less.If you want to save mo ney, you’re going to need to create some better habits around money. But first, you’ll have to get down to basics. And that means spending less money. That way, you’ll be able to funnel more cash into both your short-term and long-term savings.Take a look at your monthly expenses and see if there are any areas where you can reduce your spending,” says Josh Zimmelman of  Westwood Tax and Consulting. “For example, replace expensive dinners out with more home-cooked meals or cancel your cable in exchange for cheaper streaming services like Hulu or Netflix.”While some big expenses like rent or car payments aren’t going to be negotiable. But lots of your smaller expenses can be changed. You’ll be amazed how saving $5 or $10 there will add up to big savings over time.Certified Financial Planner Byron Ellis (@byronellistweet), Founder and CEO of Doing Money Right in Woodlands Texas, recommends specifically that you cut down on your coffee:“Dont worry, Im not telling you t hat you cant have your morning cup of Joe. However, if part of your daily routine is stopping by for a six dollar coffee, you might want to consider putting that money to better use. Cut back on expensive coffees by only going once a week and brewing your other cups at home. This simple sacrifice alone can add up to a whopping $1,600 a yearor more.”Cutting small purchases out of your budget and putting that money into savings will do wonders for your long-term financial health.2. Build a budget and take control.Okay, so you’ve resolved to spend less money. What’s next? Well, if your plan to cut down on your spending involves you just winging it, you’re setting yourself up to fail. Instead, you need to create a budget, so that you can plan your spending and then track it each month.“Creating a budget and tracking it is perhaps the most important part of any savings plan,” says Ellis. “Spend some time laying out all of your daily, weekly and monthly expenses in order to get a solid understanding of your savings potential.”“Make budgeting a breeze by using easy-to-use software that you can find on websites like Mint.com and Quicken.com. This will provide you  with you helpful charts and graphs that will allow you to see where you can cut back. Focus on your biggest expenses, whether it be childcare, utilities, travel, etc., and get rid of any unnecessary costs within these categories.”3. Automate your savings.Once you have a budget in place, you’ll need to make sure that you actually save that money. If that extra money just sits around in your checking account, it’s all too easy for those dollars to get spent instead of saved. And the best thing you can do is to set up a system where extra money gets automatically deducted.“Automate your savings” recommends Zimmelman. “Use special apps or programs that will transfer money to your savings automatically. You can set up automatic withdrawals or transfers of a set amount every month or a percentage of every paycheck. You can also “round up” all your transactions and deposit the change into your savings automatically.”Robert R. Johnson, Principal at the Fed Policy Investment Research Group, shares this helpful anecdote about the power of automatic saving and how small changes in behavior can make a huge difference over time:“Last year, University of Chicago Professor Richard Thaler received the Nobel Prize in economics for his work in behavioral finance. The premise of behavioral finance is that human beings aren’t rational profit-maximizing machines, but often succumb to behavioral biases. One of the biggest behavioral biases that humans succumb to is the bias toward immediate gratification over delayed gratification. That is, our present selves tend to win over our future selves.“Making retirement and savings contributions the automatic, default option, so that we must actively opt out of saving is a wise approach. In essence, people need to predeterm ine savings for retirement instead of needing each month (or paycheck) whether to invest in retirement or not. Berkshire Hathaway chairman Warren Buffett once said ‘If you want to make saving a priority, take a look at how you budget. Don’t save what is left after spending; spend what is left after saving.’”If you want to learn more about apps like Digit that you can use to automate your savings, check out our handy Personal Finance App Directory.4. Pay yourself 10% and pay yourself first.If you want to save more money, you’re going to need to readjust your attitude. Just like Warren Buffet said: Don’t save what is left after spending; spend what is left after saving. This means making saving your number one priority, and it means paying yourself before you pay the rest of your bills.“The best advice, I believe, is to always pay yourself first” says author, speaker, and personal finance expert  Debbi King (@DebbiKing), “This is information that I wish I had 28 year s ago when I graduated college.  If you set aside, automatically, 10% of your wages every check, you will always have money (as long as you live on the 90%, of course). There are so many ways to save couponing, sales, thrift store, etc., but setting aside cash every paycheck is the best way to build wealth and reach financial freedom.”As King mentioned, you should set the goal of saving 10 percent of your earnings with every paycheck. While that might seem like an ambitious goal, you’d be surprised how much some tweaks to your habits and a change in how you think about saving can make a difference. As Krista Neeley, managing vice president of Appreciation Financial puts it:“I attribute most savings habits are difficult for people because they perceive it as a loss, rather than a replacement. We have too many of us who seek instant gratification rather than long-term longevity benefits.  When we think of savings as someone or something taking away from us rather than a gift we are giving to ourselves, it can make it harder to save.“We have so many bills to pay or financial responsibilities to meet, sometimes we forget to get ourselves onto that list! You should always remember that one of the primary principles to building WEALTH is to PAY YOURSELF 10 percent. Thats money youve earned and deserve to keep.”5. Saving money needs to be a top priority.Simply put, there is no time like the present to start saving. And that’s not just a cliche. That’s actually the truth. The sooner you start saving, the more money you will have saved up for when you actually need it.“Don’t wait to start saving,” says Zimmelman. “The best way to build your savings is to start early. The sooner you start saving, the more time you have to build your funds and the longer those funds have to grow. Don’t put off saving until you have a considerable amount to start with; you can start small, as long as you start as soon as possible.”If you want to save more, tha n you need to make it a priorityâ€"a top priority. Saving money might feel like something that’s negotiable, but your financial health is of utmost importance. According to Neeley, “Our financial health and strength are just as important as our mental, emotional, and physical health and strength.Taking time to better understand and empower yourself financially can be the backbone to creating the freedom, flexibility, and peace of mind you desire for your future. Having a strong, stable foundation for your finances is the easiest way to create a bright future in all other areas of your life.”6. Make saving  money a habit.Saving might feel like it’s difficult at first, but the longer you keep at it, the easier it will become. Make saving money an everyday habit like showering or brushing your teeth, and eventually it’ll just become second nature.“Saving is a habit,” says Neeley, “And the same way it took us multiple attempts over time to learn how to correctly, then ef fectively, then quickly tie our shoes, the same principles apply when seeking how to improve or build habits of financial abundance and stability. Starting young means building a healthier relationship with money and a high expectation of the goals and life money can create should you choose to create it.“Money can be one of the most empowering tools and one of the most frustrating, but its determined 100% by us! Saving for long-term goals while you are young is also vital when remembering interest and accounts build up over time which is only on your side before age 40. After that, long-term savings (like retirement) become increasingly expensive!”7. Cut down on impulse spending.This goes back to budgeting and deciding ahead of time where your money ought to go. A lot of the smaller purchases that get us in trouble are the ones that we make spur of the moment. When we’re tired and hungry or we just something on the shelf at Target that “OMG we have to have right now” even though we don’t. Cut down on your impulsive purchases and the savings will pile up.According to Richard Gutkowski, author of the DEBT is a Four-Letter Word, But it Need Not Be!  book series, “Impulsive purchases; things you buy that sooner or later you regret having bought, are savings busters. You forgot you bought a brand new driver sure to improve your ‘twice a year’ golf game. We all do it, at least now and then. The key is the ‘now and then.’“Otherwise, impulsive overspending creeps in and can become a habit. Your credit card balances continually shock you. Impulsive purchases have led to that surprise setback. If you prepare an accurate monthly budget and adhere to it all that is unlikely to happen.”But don’t worry that cutting down on extra spending will make your day-to-day life a drag. As Krista Neeley puts it, “You can still go out to dinner and enjoy life, maybe just remind yourself that the $10 movie popcorn or $8 dessert when at dinner would feel be tter in your bank account instead of in your belly.  Instead of giving in to that $7 Starbucks run, take the cash and put it into savings for your future goals (maybe thats a future Starbucks run).”8. Nights in and staycations will save bundles.  One way you can save a ton of money without dramatically decreasing your quality of life is to opt for a night in instead of a night out. You could even take an entire vacation at home instead of dropping thousands to travel elsewhere. Byron Ellis explains:“Vacation or Staycation? Visiting a new state or country that youve never seen before is undoubtedly exciting, but getting to know your own city better is invaluable. Theres no getting around it, vacations are expensive; airfare, transportation, accommodations,  and attractions can really put a dent in your savings account. But you can greatly reduce these costs by vacationing in your own city (or one close by). You can rediscover why you love where you live by visiting local attrac tions or just turn your own house into a retreat so you can relax and unwind.”“Enjoy Your Home Theater. The smell of popcorn, the giant screens, and of course, the over-priced tickets; all of the things we enjoy when going to the movies. But with home theater systems that now rival the neighborhood theater, you can stay home to enjoy the latest flicks. Instead of giving your hard earned money to Hollywood executives, put it in your bank account and opt for budget-friendly streaming or rentals. You can still go to the movies on occasion, just pick and choose the ones you think are worth the money.”You can start saving today. You really can. Just follow these tips, make a plan, and stay consistent. Years from now, you’ll look back on this decision as one of the best you ever made.To learn more about saving money, check out these related posts and articles from OppLoans:The DO’s and DO NOT’s of Saving For CollegeWant to Avoid No Credit Check Loans? Build an Emergency FundFr om Budget to Baller: 6 Tips to Grow Your MoneyWhat are your best tips for saving money?  We want to hear from you!  You can  email us  or you can find us on  Facebook  and  Twitter.ContributorsByron Ellis (@byronellistweet) is the Managing Director at United Capital Financial Life Management  (@United_Capital) and the Founder/CEO of Doing Money Right.  He has been helping families with their Financial Life Management since 1989 and has built and grown one of the most successful firms in the entire country! Byron  lives in Woodland Texas where he has a weekly financial column in The Villager and Courier, two local newspapers.Richard M. Gutkowski, Ph.D, P.E. is an Emeritus Professor at Colorado State University experienced in teaching and research. Globally he directed numerous workshops and conferences. He managed budgets totaling millions of dollars.  He transferred his fiscal skills into managing family finances. Discipline, wise financial decision-making, and strategic borrowing became his forte. He is author of  DEBT is a Four-Letter Word, But it Need Not Be!, a book series to help parents and young people maneuver through first-time debt worries.Robert R. Johnson, Ph.D., CFA ® , CAIA ® , CLF ®,  is Principal at the Fed Policy Investment Research Group in Charlottesville, VA.  Bob is the author of multiple books and scholarly articles. He is co-author of the books Invest With the Fed, Strategic Value Investing, The Tools and Techniques of Investment Planning, and Investment Banking for Dummies. His articles have appeared in The Journal of Finance, Journal of Financial Economics, Financial Analysts Journal, and Journal of Portfolio Management.Debbi King (@DebbiKing) is a personal finance expert, motivational speaker, and the author of two award-winning books, The ABC’s of Personal Finance and 26 Weeks to Wealth and Financial Freedom. She is also the host of a weekly radio show, The ABC’s of Personal Finance. Debbi has been featured in numerous media outlets empowering others to win in the area of money. In addition to her work, she is the founder and President of Lovell Ministries and is happily married with a beautiful 19-year-old daughter, 4 stepchildren and 5 wonderful granddaughters.Krista Neeley is the proud mother of three amazing girls, passionate about finances and helping others, and is blissfully married to her sweetheart. She’s been in financial services for 5 years and enjoys supporting people in achieving financial liberty. She enjoys traveling, photography, reading, and Disneyland trips during her free time.A forward-thinking entrepreneur and passionate family man, Josh Zimmelman graduated from Yeshiva University in 2003 with a degree in accounting. After learning the ropes and excelling at several large firms, Josh took the leap to launch his own firm in 2010. In just a few years,  Westwood Tax and Consulting has become a booming full-service accounting firm that demystifies the perplexing world of taxes for in dividuals and small businesses.  It is his goal to make taxes not only bearable, but even a little bit fun for his clients.  Always excited to share his tax knowledge, Josh has been quoted in the Wall Street Journal, Newsday, USA Today, The Huffington Post, and US News World Report.