How Will Moving Countries Impact Your Credit Score

How Will Moving Countries Impact Your Credit Score How Will Moving Countries Impact Your Credit Score? How Will Moving Countries Impact Your Credit Score?Credit scoring methods change from country to countryâ€"and changing countries could mean starting over from square one.You’re here because you want to know how moving to a new country will impact your credit. Maybe you’re planning to move because you need a change of pace or because you have a great new job opportunityâ€"or maybe you’re having credit issues and specifically wondering whether moving countries could fix your problems.Either way, you’ve come to the right place. We spoke to people who moved countries and found out what sort of change, if any, taking your credit score across a border causes.Spoiler alert: There will be changes.Wait, what’s a credit score?Before we get into how moving to a new country will affect your credit score, let’s quickly make sure we all know exactly what a credit score is.Your credit score is a three-digit number created through information gathered by the three major credit bureaus: Experian, TransUnion, and Equifax. This number is used by all manner of lenders to determine if they’ll lend to you and at what rate.In general, a score above 720 is considered a great credit score, while 719 to 680 is considered good credit, and anything below 550 is considered poor credit.Your credit score can have a big impact on nearly every aspect of your life, from educational to professional, so you’ll definitely want to pay all of your bills on time and pay off your debts whenever possible to keep your score as high as possible.To learn more about how credit scores work, check out the rest of our Know Your Credit Score blog series:Credit ScoresPayment HistoryAmounts OwedLength of Credit HistoryTypes of Credit UsedRecent Credit InquiriesMove out of the US and your score will basically reset to zero.You may not be surprised to learn that moving to a new country has a major impact on your credit score. You may be surprised to learn that some other countries have a very diff erent approach to credit.“As someone who has moved countries and moved back, I can confirm that moving countries can have various effects on your credit scoreâ€"not all of them desirable,” advised Ben Taylor, a writer who has lived in the United Kingdom and Portugal and offers advice for freelancers at Home Working Club (@homeworkingclub).“Not all countries have the kind of sophisticated credit scoring systems people are used to in places like the UK and the USA. In some countries (Portugal is an example), applications for credit have a more significant ‘manual’ element with more human decision-making involved.”But even though the US and UK have similar credit systems (Experian is a UK company, after all) that doesn’t mean your credit score carries over when you move across the Atlantic. Nick Brennan, founder and CEO of MyUKSIMCard.com (@UKSimCard), learned that lesson first-hand:“I moved to London a year ago so I have a unique perspective on what happens to your cre dit score. Here are the main points:“Everything resets to zero. The slate is wiped clean! That can be a good thing (if you have a bad credit score in your home country) but it can be a bad thing too (if you have a good credit score). I was the latter, and I found I couldnt even initially get a $50USD/month postpaid/contract cell phone plan because I didnt have any credit history. So in a way having no credit history was just like having a bad credit history.You can build your credit with just a few credit card transactions a month.“I started getting myself a credit history by doing a few little things, says Brennan.“Applying for a couple of low limit credit cards and immediately putting some transactions on them and then paying the bill in full each month. This started giving positive marks on my credit file. Even if you keep using your USA credit card for most transactions, just put a few small transactions each month on the local credit card so that your repayment history is uploaded monthly to your credit file by the credit card provider.“Putting my name on the electoral roll for my local council (in the UK, non-citizens can vote in their local council elections). My name on the electoral roll is placed on the credit file and assists with your credit score (it shows further ‘proof’ of your residential address).“Setting up a local UK bank account and having my utilities paid automatically through the bank account. Again this started giving positive marks on my credit file.“In the UK, one of the main credit reporting agencies is Experian. They have a service where you can pay a small amount to get a copy of your credit file. This is a good way to see the criteria they use when scoring and then try to fill in those blanks, but also to monitor any issues on the file (for example if they have confused you with someone else with a bad credit history).“Over the ensuing 12 months, I saw my credit score go from very poor, to poor, to fair, to good, to now excellent! I achieved this through the methods above and ensuring the credit cards were paid in full each month and the utility bills were being automatically paid from my bank account.”But what if you’re just moving across a land border?The same thing happens if you move to the US, even from Canada.You might understand that you’ll have to go through a reset when you travel overseas, but surely crossing into a neighboring country can’t have such big credit ramifications, right? Wrong, as Andrew Stephenson, director of product marketing for New Air Appliances (@NewAirUSA) learned.“In Canada, I had a good credit ratingâ€"having owned two properties, credit cards, etc and was pretty much debt free (other than a mortgage),” Stephenson told us. “I had 40 years of credit history in Canada. The company I worked for moved me to the US and my credit score went to zero. Amazingly, two countries that are physically connected and do so much business together you think woul d share credit info. But alas, no.“I had to start over, to the point of having my company co-sign on a credit card for me because I couldn’t get approved. This also applied to trying to get a cell phone as wellâ€"T-Mobile is one of the only US carriers that will do a Canadian credit check. Three years later in the US, I have an excellent credit score and recently bought a house in Orange County, CA.”And you definitely don’t want to make any moving decisions too hastily. Because credit changes can’t always easily be undone.You can’t go home again. Well, you  can,  but itll screw up your score again.Just because you move back to your original country doesn’t mean your credit will automatically go back to what it was. As Taylor explained:“However, things don’t usually work out so well in the other direction. Being away from a country with a refined credit scoring system can be problematic when you return. If faced with an application for something that needs several y ears of addresses, many systems won’t cope with an overseas address, meaning it can take years to build a credit score back up. A gap of several years takes automated systems ‘off script,’ which can leave people who’ve been out of the country for a while unable to access relatively simple things, such as car finance and cellphone contracts.”Moving countries is a big decision, and it’s one that has a big effect on your credit score. If your credit is already bad, moving can give you something of a clean slate. But it should probably only be one factor among many in such a huge life decision. If you’re thinking of moving abroad solely to escape bad credit, we can assure you there are simpler solutions.To learn about how you can fix your credit score, check out these related posts and articles from OppLoans:Want to Raise Your Credit Score by 50 Points? Here Are Some TipsAn Apple a Day Keeps the Bad Credit Away*Is the Credit Blacklist a Real Thing or an Urban Myth?What are your favorite savings strategies?  Let us know!  You can  email us  or you can find us on  Facebook  and  Twitter.ContributorsNick Brennan is the Founder CEO of  MyUKSIMCard.com (@UKSimCard) which offers prepaid SIM Cards with data, minutes and texts for Americans heading to the UK and Europe.A 20-year industry expert in Consumer and Digital Marketing, Andrew Stephenson moved from Toronto, Canada to Orange County, California for work in 2015 to build a digital innovation center for his previous agency.  Currently, as Director of Product Marketing for  New Air Appliances (@NewAirUSA), Andrew and his team oversee the planning and execution for new product launches through a mix of content marketing, online advertising and influencer marketing that connects with consumers along the path to purchase.  Ben Taylor is a former expat in Portugal who now lives in the UK. I discuss my experiences of life overseas at MovingToPortugal.org and provide advice to freelancers at  Home Working Clu b (@homeworkingclub).

The Lost Generation By F. Scott Fitzgerald - 974 Words

Loss, wastefulness, and regret are not words that anyone wants to hear. While reading the works of F. Scott Fitzgerald in â€Å"Babylon Revisited† and of Ernest Hemingway in â€Å"The Snows of Kilimanjaro† these three words seem to connect to two stories together. In these stories loss, wastefulness, and regret intertwine in the stories to better explain the struggles that people have to deal with. Both Fitzgerald and Hemingway were part of what is called the Lost Generation. The Lost Generation was a group of American writes who moved to Europe because they believed that America had lost all hope and could never be fixed. In the â€Å"Lost Generation† by Kate O’ Connor, she says that, â€Å"The accusation, ‘You are all a lost generation,’ referred to the lack of purpose or drive resulting from the horrific disillusionment felt by those who grew up and lived through the war, and were then in their twenties and thirties. Having seen point less death on such a huge scale, many lost faith in traditional values like courage, patriotism, and masculinity.† The aftermath caused these ex-pats to write about common themes such as, â€Å"Decadence, Gender roles and Impotence, and Idealized past† (O’Connor). As audiences read stories written during the twentieth century, they will be able to see these themes. â€Å"Babylon Revisited† by Fitzgerald, is an example of the twentieth century sense of loss, wastefulness, and regret because Charlie had to deal with all of those problems. The reader sees thisShow MoreRelatedLost Generation By F. Scott Fitzgerald1396 Words   |  6 PagesModernism. Modernism Literature reached its peak in America from the 1920s to the 1940s. F. Scott Fitzgerald was one of the most prominent representatives of this genre and entered Modernism in the United States above all as the first exponent of his ideas. In the works of Fitzgerald the topic â€Å"Lost generation† is in disastrous pursuit of wealth that swept the young post-war America. The fact that Fitzgerald wrote about rich people and their lives is almost always present critical and sober lookRead MoreTaking a Look at the Jazz Age1600 Words   |  6 Pagesnew beginnings for Americans. During the Jazz Age, the United States erupted in new musical and cultural changes. These changes can be seen through the shift in literature, from conservative to contemporary writings, by literary giants like F. Scott Fitzgerald and Bessie Smith. The Jazz Age was known as the Roaring Twenties, and is still popular today due to its infamous jazz music, flappers, and prohibition. The Jazz Age was an exciting, and contemporary time period in American history. During theRead MoreThe Great Gatsby By F. Scott Fitzgerald893 Words   |  4 PagesIII 3 October 2014 From Party to Madness, And Everything In Between F. Scott Fitzgerald once said, â€Å"First you take a drink, then the drink takes a drink, then the drink takes you†. â€Å"The good life† can quickly dwindle into loneliness and sorrow, as portrayed in his masterpiece of a novel The Great Gatsby. Main character Jay Gatsby is an exceptional example of this. As Gatsby wanders throughout the novel trying to impress his lost love, Daisy Buchanan, throwing lavish parties and buying her uselessRead MoreThe Great Gatsby By F. Scott Fitzgerald1162 Words   |  5 PagesGatsby, by F. Scott Fitzgerald, is a less expensive representation of universal themes of morality, ethics and how money inevitably corrupts those ideas. expensive is well represented by the beginning paragraph from The Great Gatsby:â€Å"In my younger and more vulnerable years, my father gave me some advice that I ve been turning over in my mind ever since. â€Å"Whenever you feel like criticizing anyone... Just remember that all the people in this world ha ven’t had the advantages that you’ve had.† F. ScootRead MoreThe Great Gatsby by F. Scott Fitzgerald930 Words   |  4 PagesF. Scott Fitzgerald is mostly known for his images of young, rich, immoral individuals pursuing the American Dream of the 1920’s (Mangum). This image is best portrayed in his greatest novel, The Great Gatsby, alongside his principal themes, â€Å"lost hope, the corruption of innocence by money, and the impossibility of recapturing the past† (Witkoski). Fitzgerald was identified as a modern period writer because his themes and topics were inconsistent with traditional writing (Rahn). The modern periodRead MoreF. Scott Fitzgerald. You Wouldn’T Think That A Poor Student874 Words   |  4 PagesF. Scott Fitzgerald You wouldn’t think that a poor student and terrible speller would be one of the best american authors in history, but there was something different about this man. Francis Scott Fitzgerald was one of the most unique american authors in a variety of different ways. F. Scott Fitzgerald summed up a crucial era in our own world. Not only did he write 15 astonishing books, but one of them is often required to read in high school or college to this day (The Great Gatsby). He had aRead MoreBabylon Revisited by F. Scott Fitzgerald1597 Words   |  7 PagesBabylon Revisited by F Scott Fitzgerald F. Scott Fitzgerald is known as the spokesman of the Lost Generation of Americans in the 1920s. The phrase, Lost Generation, was coined by Gertrude Stein to describe the young men who had served in World War I and were forced to grow up to find all Gods dead, all wars fought, all faiths in man shaken (Charters 489). Fitzgerald exemplified the generation that Stein defined. His family, with help from an aunt, put him through preparatory school andRead MoreDestruction of Dreams, Failure of Dreamers in Fitzgerald’s The Great Gatsby1489 Words   |  6 Pages Jay Gatsby, the protagonist of F. Scott Fitzgerald’s novel, The Great Gatsby, is used to contrast a real American dreamer against what had become of American society during the 1920s.   By magnifying the tragic fate of dreamers, conveying that twenties America lacked the substance to fulfill dreams and exposing the shallowness of Jazz-Age Americans, Fitzgerald foreshadows the destruction of his own generation. The beauty and splendor of Gatsbys parties masked the innate corruption within theRead MoreHemingway vs. Fitzgerald1518 Words   |  7 Pagesis often referred to as the â€Å"Lost Generation.† This was a time of hopelessness and heartache from the damages of the war which caused carelessness and lack of responsibility. Everyone was affected in some way and often could not handle the situation, usually turning to alcohol to relieve all problems. According to Gertrude Stein, the literary figures of the 1920’s â€Å"drank themselves to death†, especially two of the greatest writers of the 20th century, F. Scott Fitzgerald and Ernest Hemingway. AlthoughRead MoreComparison Of The Lost Generation In The Great Gatsby842 Words   |  4 Pages ‘The Lost Generation’ represented a group of writers in 1920s who shared the belief that they were ‘lost’ in a greedy, materialistic world that lacked moral values and often choose to flee to Europe. And one particular example was F. Scott Fitzgerald. Francis Scott Key Fitzgerald was the only son of an unsuccessful father and a provincial mother. His father was obsessed with the literature in his time, so he named Fitzgerald after the author of ‘The Star-Spangled Banner’, Francis Scott Key. He

The Risk Management Plan For Starbucks - 880 Words

Businesses face a Variety of risks every day. These risks usually have a negative impact on performance and financial condition. Without an effective risk management plan, organizations would not grow and thrive. In this paper, we developed a risk management plan to help us identify, evaluate and treat all potential risks faced by an organization. The risk management process will focus on the frequency and severity of potential losses, with a view to risk control or risk finance. Introduction: Starbucks, founded in 1985, is the world’s largest coffeehouse chain, with more than 19,000 coffee shops in 62 countries. Starbucks product mix includes specialty coffee, hot and cold beverages, fresh food items, and other items such as mugs and coffee grinders. Starbucks-brand coffee, refreshers, and ice cream are also offered at grocery stores. Mission: â€Å"to inspire and nurture the human spirit – one person, one cup and one neighborhood at a time.† At Starbucks, it is all about quality. Starbucks strives to maintain a positive brand image within the company itself and also within the communities they serve. The company s passion is expressed throughout its products, engaging baristas, and modern store designs, all directed towards enhancing the â€Å"Starbucks experience† for its customers. With these high goals and standards as well as the desire to deliver the best service within all of its locations, the company is exposed to various types of risks. The frequent potential lossesShow MoreRelatedCase Study : Qso 600 Milestone Three Essay1375 Words   |  6 Pagesinherent risk when a company attempts to introduce a new product to the market, and most of the risk is associated with the initial risk mitigation strategy as well as management strategies for how manage the new product’s launch. Research shows that roughly 75% of consumer packaged goods and retail products fail to earn at least $7.5 million during their first year, and much of these failures can be attributed to poor strategy (Schneider Hall, 2011). Starbucks is not immune to the same risks thatRead MoreControl Mechanisms972 Words   |  4 PagesStarbucks: Control Mechanisms Starbucks: Control Mechanisms Starbucks is the leading coffee company in the world. They have locations around the world, many of which are independently owned. In order for the corporation to keep accurate records on the stores, they have implemented many types of controls. Four types of controls used in the Corporation are Bureaucratic Control, Budgetary Control, Financial Control, and Concurrent Control. Bureaucratic Control Read MoreEssay on Starbucks Risk Management1233 Words   |  5 PagesINTRODUCTION Starbuck Corp is well known as one of the world’s largest coffee chains. From original Seattle stores, Starbucks has grown to a multi-national company with more than 17,000 stores across the globe in less than 40 years. Starbucks going deep in Asian markets because of the emerging markets in Asia. Asian consumers’ disposable wages is growing as their countries’ economies nurture, as well as for the most part of all, people over there are open to Western lifestyles. Starbucks decided toRead MoreSwot Analysis : The Matrix1371 Words   |  6 Pagesexternal opportunities and threats facing a company and matches them up to the internal strengths and weaknesses, to give the company four possible strategic alternatives (Hunger, Wheelen, 2011, p. 77). As discussed previously, a major concern for Starbucks is their need for growth in foreign markets, and their education of the foreign markets, needs wants and expectations. According to the TOWS matrix, an alternative Strength Opportunity (SO) Strategy is to utilize the company’s ethical values andRead MoreStarbuckss Strategic Initiatives At Starbucks1243 Words   |  5 Pagespresident and chief executive officer of Starbucks, Howard Schultz, launched a transformation plan, which included focusing on the customer while still achieving value for the shareholders. In January 2008, Starbucks released a statement regarding the strategic initiatives planned to accomplish just that (Starbucks announces strategic initiatives to increase shareholder value; chairman Howard Shultz returns as CEO, 2008). In the announcement Schultz shared that his plan would include refocusing on the customerRead MoreStarbucks Risk Management Essay1110 Words   |  5 PagesStarbucks Risk Management FIN 415 March 25, 2013 Starbucks Risk Management In this documentation Team B will discuss different risk management benefits and techniques, and how companies use these benefits and techniques to further their financial goals and prevent future losses. There are two distinct risk management benefits categories: hard and soft. Hard risk management benefits are contingencies, decisions, control, and statistics. Hard benefits support the strategic business planningRead MoreCritical Thinking Application B International Hr1422 Words   |  6 PagesCritical Thinking Application 2- B International HR: 1. So what are the critical HR issues with regard to Starbucks’ international goals? 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Links between Strategic and Financial Planning: Strategic and financial planning processes involve the definition of objectives, collection and analysis of data, execution of the plan, and evaluation of results. As previously, mentioned, strategic and financial planning have two majorRead MoreStrategic Management : Mission And Objectives1176 Words   |  5 Pagesremain diligent in their strategic management. Review of Mission and Objectives According to all three summary analysis tools that have been utilized, the EFAs, IFAS, and the SFAS, these tools indicate that Starbucks understand what their mission, vision and goals are. They also understand that they need to continually assess where their current strategic plan is placing them in their market and what weaknesses and threats continuously remain for them. Starbucks understands that with corporate

Gender Roles in Jeopardy Free Essays

Erica Ahern Eng 102-09 Essay 3 November 4, 2009 Gender Roles in Jeopardy Traditional gender roles are being threatened in today’s economy, the out-dated stereotype that men are better workers than women is now absurd. Although, the stereotype that women can take care of the household better than men has not changed. For as long as human behavior has been documented there have been strict ideals of the different gender roles in parenting. We will write a custom essay sample on Gender Roles in Jeopardy or any similar topic only for you Order Now These hunter and gatherer sub sequential gender responsibilities have fundamentally defined what the correct social position for men and women are, yet recently in some households those traditional gender roles have become reversed. The Movie â€Å"Daddy Day Care† is about the plight of a man named Charlie, played by Eddie Murphy, who is laid off at his job when the health division in his company is shut down. Charlie had worked in product development at a large food company, and was the main provider for his family. Charlie’s unfortunate employment situation left his wife with the responsibility as breadwinner of the household. Due to the new financial strain put on his family and no job possibilities on the horizon he and his friend Phil, played by Jeff Garlin, are forced to take their sons out of an exclusive program called The Chapman Academy and become stay at home fathers. Desperate for money, Charlie opens up a day care center, which offers reasonable pricing and flexible hours. Unfortunately for Charlie his business doesn’t exactly take off with the popularity he had expected it too. Charlie thought that with his tremendous competitive rates that he would have an overwhelming starting success. Unfortunately for Charlie and his friend Phil their potential customers were very patronizing about two men taking care of their children, due to this typically being a woman’s occupation. The idea that women are better than men at maintaining a household and carrying out domestic responsibilities is rebutted by Laura Vanderkam in her article â€Å"What Moms Can Learn From Dads; Stay-at-home Men Find More Time for Leisure, Less Time for Chores and Present a Healthier Picture of Domestic Life. Vanderkam’s article makes a point to explain that as more men are taking on the primary parenting role, that research has shown that they are undertaking the household responsibilities better than the more traditional families today. (Vanderkam 1). She conveys that with men, domestic work and child care are considered two separate jobs. That men believe that the task of caring for children is reasonably different from doing the housework. (Vanderkam 2). Men are seeming to have a better strategy for dividing the responsibilities with their spouses, and giving themselves more time for leisure. Peg Tyre and Daniel McGinn explain in â€Å"She Works He Doesn’t† that the unemployment rate has recently hit six percent. They explain that several million families are experiencing dads coming home from work with a severance package, especially white-collar men due to corporate downsizing. Tyre and McGinn also state that women are currently earning more college degrees and M. B. A. s than men, which is making them better equipped to pick up the financial slack. (Tyre 51). Although, gender often shapes the work opportunities and experiences that men and women often have in industrial societies. They also mention, though, that the shift of the wife becoming the breadwinner can be very difficult when families are forced into it. (Tyre 56). It is pointed out in Hilary Potkewitz’s article â€Å"Daddy and Me! ; Newly Jobless Fathers Discover Ups and Downs of Stay-at home Life,† that due to the recession most layoff’s in the New York industry have been male dominated. This predicament leaves more and more men having to undertake the responsibility as primary caregiver to their children. This role can often be intimidating for men due to the fact that most child activity networks are more geared towards women guardians. In a world of Mommy and Me groups, breast feeding workshops and ballet classes where the aesthetic is overwhelmingly pink, there are few programs that reach out to fathers. † She explains that fathers new to the role of caregiver are easy to spot due to their lack of experience with pushing strollers, that they often bump them into inanim ate objects. (Potkewitz 1). Stay at home dad’s also often feel rejected by nannies and mothers in child care classes, that women make them feel inadequate as primary caregivers. (Potkewitz 2). If a husband loses his job and is having trouble finding work, the wife can be justified in threatening to leave him. However, consider the arbitrary reaction if a husband threatened to leave a wife who was in the exact same predicament. He would probably be crucified. If a man loses his job, the woman is justified in resenting the fact that the financial burden is then thrust on her. Nevertheless, a man is not permitted to resent this very same dilemma. If a man is laid off and cares for the household and kids, while the wife is working, he can be accused of not pulling his weight. Yet this is exactly the same situation that women demand more recognition for. It’s perfectly acceptable for a woman to demand a man make a certain salary, to be deemed â€Å"marriage material†, and provide stability. Likewise, if a man demands the wife do the cooking and cleaning, he can now be labeled a sexist hater of women. If he asks her to carry her weight financially, just like he does, he can be criticized as an inadequate provider. In conclusion, with the recent recession in the economy more men are being laid off of their jobs. With women now becoming more educated and being able to achieve jobs of higher pay and better achieved status than in the past they are now able to assume the role of breadwinner. Women’s and men’s participation in paid work and the nature of that work often determine their social value, and overall status in society. This reversal of habitual gender roles is slowly becoming more popular, and hopefully more acceptable in today’s society. The ideals of the different gender roles when it comes to parenting are now in jeopardy as women are now earning higher salaries than that of the past. Men are also proving themselves adequate as the caregivers of their children, and reshaping the generic belief that only women can be domesticated. Work Cited Tyre, Peg. McGinn, Daniel â€Å"She Works, He Doesn’t. † The Changing World of Work. Ed. Marjorie Ford. New York: Pearson 2006. 50-58. Potkewitz, Hilary. â€Å"Daddy and Me! ; Newly jobless fathers discover ups and downs of stay-at-home life. † Crain’s New York Business. (March 16, 2009) Vanderkam, Laura. â€Å"What Mom’s Can Learn From Dads; Stay-at home men find more time for leisure, less time for chores and present a healthier picture of domestic life. † USA Today. (June 24, 2008) Ahern How to cite Gender Roles in Jeopardy, Essay examples

Solar Panel Quantitative Model Essays - Energy, Photovoltaics

Solar Panel Quantitative Model SOLAR POWER MODELING QUANTITATIVE MODEL RESIDENCE IN BUFFALO,NY AND PHOENIX,AZ 1) QUANTITATIVE FORMULA: Number of Solar Panels = Electricity Demand of Site kwh/day DE rate Factor * Power Produced by One Panel kW * Solar Insolation h/day Area Required= Number of Panels *Area of Panel 2) ASSUMPTIONS: Assume that all solar panels are oriented the same way Assume intermittency is in terms of solar insolation Assume that each residence in a city demands that same amount of electricity Assume that only the Sharp ND-216UC1 solar panel is used Assume the decimal in Computational Results for the number of solar panels are rounded up to the nearest whole number to account for a whole solar panel so sufficient electricity demand is met 3) VARIABLES USED: Electricity Demand of Site (kwh/day)- the electricity consumed for the residence in one day DE rate Factor- the conversion factor to convert DC electricity to more commonly used AC form Power Produced by One Panel (kw)- the kilowatts of electricity produced by the specific panel being used, in this case Sharp ND-216UC1 Solar Insolation (h/day)- the average hours of sun radiation in the given area Number of Solar panels- the number of solar panels it will take to provide sufficient electricity to the residence Area of panel- The surface area of the panel in terms of how much space the solar panel will take up Area required- the total space needed for the number of solar panels to produce a sufficient amount of electricity 4) VARIABLE VALUES: BUFFALO RESIDENCE VariableValue 1HyperlinkValue 2HyperlinkValue Used Electricity Demand of Site kwh/day7.19Link 1 16.4Link 2 11.795 Derate Factor0.77Link 3 0.77Link 3 0.77 Power Produced by one Panel (kw)0.216Link 4 0.216Link 4 0.216 Solar Insolation h/day3Link 5 4Link 6 3.5 Area of Solar Panel (mm^2)1630160Link 7 1630160Link 7 1.63016 PHOENIX RESIDENCE VariableValue 1HyperlinkValue 2HyperlinkValue Used Electricity Demand of Site kwh/day35.67Link 8 14Link 9 24.835 Derate Factor0.77Link 3 0.77Link 3 0.77 Power Produced by one Panel (kw)0.216Link 4 0.216Link 4 0.216 Solar Insolation h/day8Link 10 7Link 11 7.5 Area of Solar Panel (mm^2)1630160Link 7 1630160Link 7 1.63016 HYPERLINKS: LINK 1: http://apps1.eere.energy.gov/states/residential.cfm/state=NY#elec LINK 2: http://www.eia.gov/consumption/residential/reports/2009/state_briefs/pdf/ny.pdf LINK 3: http://rredc.nrel.gov/solar/calculators/pvwatts/system.html LINK 4: http://files.sharpusa.com/Downloads/Solar/Products/sol_dow_ND216UC1.pdf LINK 5: http://www.nrel.gov/gis/images/map_csp_us_10km_annual_feb2009.jpg LINK 6: http://www.solarpanelsplus.com/industry-professionals/insolation-charts/ LINK 7: http://files.sharpusa.com/Downloads/Solar/Products/sol_dow_ND216UC1.pdf LINK 8:http://www.eia.gov/tools/faqs/faq.cfm?id=97&t=3 LINK 9: http://apps1.eere.energy.gov/states/residential.cfm/state=AZ?print LINK 10: http://www.solarpanelsplus.com/industry-professionals/insolation-charts/ LINK 11: http://www.nrel.gov/gis/images/map_csp_us_10km_annual_feb2009.jpg MODEL RESULTS 1. Number of Solar Panels Electricity Demand of Site kwh/dayDE rate FactorPower Produced by one Panel (kw)Solar Insolation h/dayComputational Results Buffalo11.7950.770.2163.521 Phoenix24.8350.770.2167.520 2. Area Required Number of PanelsArea of Solar Panel (in^2)Computational Results (m^2) Buffalo211.6301634.23336 Phoenix201.6301632.6032 Number of PanelsArea of Solar Panel (in^2)Computational Results (m^2) Buffalo211.6301634.23336 Phoenix201.6301632.6032 QUANTITATIVE MODEL CENTER FOR FINE ARTS,UB NORTH CAMPUS 1) QUANTITATIVE FORMULATION: Model that calculated the number of SharpND-216UC1 solar panels needed to meet 100% of electricity demands at the Center for Fine Arts and the associated area required. Number of solar panels = Electricity demand of site(kwh/day) (Derate factor)*Power produced by one panel(kw)*Solar insulation(h/day) Associated area = Number of panels*Area of each panel(m^2) 2) ASSUMPTIONS: All solar panels are laid flat on the surface Assume that the entire area for the Center for the arts is utilized for solar panels Each panel should take up the same area 3) VARIABLES USED: Electricity demand of site (VAR 1): How much KWH the Center for the Arts uses daily Derate factor (VAR 2): factor that causes devices to run at less than its maximum power Power produced by one panel (VAR 3): How many KW one solar panel is able to produce Solar insulation (VAR 4): Measure of solar radiation energy on a given area over a period of time Area of each solar panel (VAR 5): It is the area of each solar panel. Number of solar panels (VAR 6): This value is calculated from the first equation and utilized in the second equation. 4) VARIABLE VALUES: VARVALUE 1HYPERLINKVALUE 2HYPERLINKVALUE USED VAR 17736.7LINK 17736.7LINK 17736.7 VAR 20.77LINK 20.77LINK 20.77 VAR 30.216LINK 30.216LINK 30.216 VAR 43.82LINK 44.35LINK 54.35 VAR 51.63LINK 61.63LINK 61.63 VAR 610694LINK 710694LINK 710694 HYPERLINKS: LINK 1: This value has been provided by student leader Bob DeBortoli. LINK 2: http://rredc.nrel.gov/solar/calculators/pvwatts/system.html Link 3: http://files.sharpusa.com/Downloads/Solar/Products/sol_dow_ND216U2.pdf LINK 4: http://www.porta-energy.com/Insolation_USA.htm LINK 5: http://rredc.nrel.gov/solar/old_data/nsrdb/1961-1990/redbook/sum2/14733.txt LINK 6: http://files.sharpusa.com/Downloads/Solar/Products/sol_dow_ND216UC1.pdf LINK 7: It has been calculated using the best values of the variables. MODEL RESULTS VAR 5VAR 6RESULT ASSOCIATED AREA1.631069417431.22 VAR 1VAR 2VAR 3VAR 4RESULT NUMBER OF SOLAR PANELS7736.70.770.2164.3510694 QUANTITATIVE SOLAR MODEL UB NORTH CAMPUS 1) QUANTITATIVE FORMULATION: Model that calculates the following: a) The number of Sharp ND-216UC1 solar panels needed to meet 100% electricity demand of entire UB North Campus. b) The associated area (m^2) required. EQUATIONS: Number of solar panels = Electricity demand of UB North Campus (kWh/day) Derate Factor*Power produced by one panel (kW)*Solar Insolation (h/day) Associated area = Number of solar panels*Area of each solar panel (m^2) 2) MODEL ASSUMPTIONS : The whole area of

Should Cities Preserve Old Buildings

Should Cities Preserve Old Buildings The Importance of Keeping Old City Buildings Around Most cities try to move forward with the times, but keeping true to its past is another challenge altogether. There is also the debate, whenever a city wants to build new, exciting buildings that transform its skyline or business community, of what existing buildings should be torn down or kept. Some advocate for tearing down dilapidating historic buildings, while others call for the destruction of only ugly, non-important structures. But when it comes down to it, a city should preserve old buildings if these old buildings serve a very important purpose; these buildings should be kept if they are historically significant, aesthetically appealing and make up a considerable portion of a city’s skyline, and kept if these structures can be repurposed to house working organizations, businesses, and government offices. Historical Buildings Help People Remember the Past To begin with, cities should preserve old buildings of historical significance because seeing these buildings help modern-day people remember the past – as to not repeat it, or to be mindful of how a city or nation came to be, its heroes or armies that make sacrifices to create or keep a territory. For example, St. John’s Church still exists today in the Church Hill neighborhood in Richmond, Virginia. It is where Patrick Henry, speaking to the House of Burgesses, gave his famous â€Å"Give Me Liberty or Give Me Death† speech – which would convince the leaders of British America to wage war  against the oppressive British crown. The rest is history, of course: the colony became its own republic, its own nation. But this 270-plus-year-old church could have been torn down ages ago – but it was rather preserved to remind people today how the American nation was established, and what efforts our founding fathers went through, the risks they took, to bi rth a nation. Cities all around the globe should do the same in preserving old buildings that are culturally or historically important. You may also like these articles: Human Dignity: How Is It Valued? Learning Moral Values in College Movies The Value of Academic Debate Perspiration Is Nothing without a Little Bit of Inspiration The Bright Sides of Academic Intellectuals We Call Nerds Cities should also preserve old buildings if these structures are beautiful, aesthetically important and attractive to tourists; also buildings that make up a considerable portion of a city’s skyline should be preserved. As our society gets into the future, technology will be king – which means art and beauty will fall to the wayside. So it’s crucial to preserve old buildings that contain an undeniable amount of timeless beauty. People do not flock to a city to see the offices of new business; tourists come to cities to see beautifully sublime buildings – ones that may be old, of course. Also, if a structure – like Austin’s state capital building – has become an iconic part of a city’s identity or skyline, it should be preserved. New York City it not itself without the Empire State Building, just like Paris is not Paris without the Eiffel Tower. Buildings are more than just existing structures; they are the image of a city †“ and some, if beautiful and culturally important, should be preserved. Making Old Buildings Serve Modern Purposes Lastly, if old buildings in cities – if law-abiding and often renovated to maximize safety and usability – can be repurposed, then a housing city should make incredible efforts to preserve them. Many buildings in cities can be used as government buildings, business, and organizational offices. And if the buildings serve a modern-day purpose, and if they meet strict safety codes, they should be preserved for as long as possible. This is especially relevant to the older cities of the world, and even some of the more modern ones, too. If a building doesn’t need to be torn down, even if it could make room for a multi-billion-dollar business, a city should give extensive consideration in preserving it. It could not only save money for a municipality; preserving old buildings and turning them into new offices could also be enticing to a business looking to start over. To conclude, some cities around the globe are growing at an astounding rate, with an influx of newcomers and tourists alike. This is especially true with some American cities – like Austin, Texas, one of the fastest-growing cities in the country, who knows, maybe even the world – that want to make room for new businesses and large populations of people. It makes sense to tear down old buildings so new ones can be created. But when this happens in a particular area, a committee of good-minded people should be assembled to decide whether an existing – perhaps â€Å"old† –building should go or not, and they should go by the aforementioned points when doing so.

Middle School to High School Transition

Middle School to High School Transition The middle school years are a time of transition for tweens in many ways. There are obvious social, physical, and emotional changes happening with 6th to 8th graders. However, middle school also serves the purpose of preparing students for more challenging academics  and greater personal responsibility in high school. For public school students (and their parents), the expectations in the first year of middle school can be an abrupt and demanding change. Instead of teachers communicating with parents about assignments and due dates, they communicate directly with students and expect them to be responsible for meeting deadlines and completing tasks. There is nothing wrong with that, and it’s part of preparing students for  the middle school to high school transition, but it can be stressful for students and parents alike. Tales abound  of late-night scrambling to complete a forgotten project that makes up a high percentage of a student’s grade. As homeschooling parents, we don’t have to institute such abrupt changes, but it is wise to use the middle school years to prepare our students for high school.   1. Transition from Guided Learning to Independent Learning One of the biggest transitions during middle school is preparing students to assume responsibility for their own educations. It’s during this time that parents should adjust their role from teacher to facilitator and allow homeschooled tweens and teens to take charge of their school day. While it is important that teens begin to transition to self-directed learners, it’s also vital to remember that they still need guidance. It’s important that parents remain active, involved facilitators during the middle school and high school years. Some ways you can do that include: Schedule regular meetings to hold your student accountable for completing assignments. During the middle school years, plan to schedule daily meetings with your tween or teen, transitioning to weekly meetings by 8th or 9th grade. During the meeting, help your student plan her schedule for the week. Help her break down weekly assignments into manageable daily tasks and plan for completion of long-term projects. A daily meeting also provides an opportunity to make sure that your student is completing and comprehending all of her assignments.  Tweens and teens are sometimes guilty of pushing challenging concepts aside instead of asking for help. This practice often results in stressed,  overwhelmed students who don’t know where to begin to catch up. Read ahead. Read (or skim) ahead of your student in his textbooks or assigned reading. (You may want to use audio books, abridged versions, or study guides.) Reading ahead helps you keep abreast of what your student is learning so that youre prepared if he needs you to explain difficult concepts. It also helps you to ask the right questions to be sure that he is reading and comprehending the material. Offer guidance. Your middle school student is learning to take responsibility for his work. That means he still needs your direction. He may need you to make suggestions about writing topics or research projects. It could be helpful for you to edit his writing or offer advice on how to set up his science experiment. You may need to write out the first few bibliography cards as examples or help him come up with a strong topic sentence. Model the behavior you expect from your student as you transition to expecting him to complete the projects independently. 2. Help Your Student Improve Study Skills Middle school is an excellent time to help your student develop or hone her independent study skills. Encourage her to start with a study skills self-assessment to identify areas of strengths and weaknesses. Then, work on improving the weak areas. For many homeschooled students, one weak area will be note-taking skills. Your middle schooler can practice by taking notes during: Religious servicesCo-op classesRead-aloud timeDVD or computer-based lessonsDocumentariesIndependent reading Middle school students should also begin using a student planner to keep track of their own assignments. They can fill in their planner during your daily or weekly meetings. Help your students get in the habit of including a daily study time in their planners. Their minds need time to process all that they’ve learned each day. During their  study time, students should do things like: Read over their notes to ensure that what they wrote down makes senseLook over the headings and subheadings in their textbooks to recap the day’s lessonPractice spelling or vocabulary words  Ã¢â‚¬â€œ illustrating words or writing them in different colors can be helpfulMake their own flashcards to help them remember important facts and detailsRead over any highlighted textRead text, notes, or vocabulary words aloud 3. Involve Your Teen or Tween in Curriculum Choices As your student enters the teen years, begin engaging her in the curriculum selection process if you haven’t been doing so already. By the middle school years, students start to develop a sense of how they learn best. Some students prefer books with large text and colorful illustrations. Others learn better through audio books and video-based instruction. Even if you’re not willing to hand over the selection process to your middle school student entirely, take her input into consideration. Remember that one of the goals of homeschooling is to teach our children how to learn. Part of that process is helping them discover how they learn best. The middle school years also provide the perfect opportunity to test potential curriculum.  When you find yourself in the position of needing to modify or  change curriculum  in high school, its hard not to feel as though youve wasted an entire semester or longer. Instead, give potential high school curriculum a test-run in middle school. You can try the middle school version of the curriculum or use the high school version in 8th grade. If it is a good fit, you can put in on your childs high school transcript since high school level coursework completed in 8th grade counts toward high school credit hours. If it turns out that the curriculum isnt a good fit for, you can shop around and choose something more appropriate for high school without feeling as though youve lost ground. 4. Strengthen Weaknesses Because the middle school years are a time of transition, they naturally offer the opportunity to catch up on any areas in which a student is behind where you’d like him to be and strengthen areas of weakness. This could be the time to seek out treatment or learn the best modifications and accommodations for learning challenges such as dysgraphia or dyslexia. If your student still struggles with automatic recall of math facts, practice them until she can recall them effortlessly. If he struggles with getting his thoughts on paper, look for creative ways to encourage writing and ways to make writing relevant to your student. Focus on improving any areas of weakness that youve identified, but dont make that the total of your school day. Continue to provide plenty of opportunities for your student to shine in his areas of strength. 5. Begin Thinking Ahead Use 6th and 7th grades to observe your student. Start exploring his extracurricular interests and talents so that you can tailor his high school years to his skills and natural aptitudes. If he’s interested in sports, check to see what is available in your homeschool community. Often middle school is when kids move begin playing on their school’s sports teams rather than recreation leagues. Consequently, it’s a prime time for the formation of homeschool teams. Middle school sports teams for homeschoolers  are often instructional and try-outs are not as stringent as high school teams, so it’s a good time for those new to the sport to get involved. Most colleges and umbrella schools will accept some high school level courses, such as algebra or biology,  taken in 8th grade for high school credit. If you have a student who is ready for a bit more challenging coursework, taking one or two high school credit courses in middle school is an excellent opportunity to get a head start on high school. Make the most of the middle school years by using them to create a smooth transition from the teacher-directed elementary school years and the self-directed high school years.