Focus On Personal Finance An Active Approach To Help You Develop Successful Financial Skills 4th Edition Kapoor Solutions Manual
Focus On Personal Finance An Active Approach To Help You Develop Successful Financial Skills 4th Edition Kapoor Solutions Manual
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Solution Manual for Personal Finance, 13th Edition, By
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Focus on Personal Finance An Active Approach to Help You Develop
Successful Financial Skills 4th
Full chapter download at: https://testbankbell.com/product/focus-on-personal-finance-an-active-approach-to-help-you-develop-successful-
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B U D G E T V A R I A N C E B
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F C A S H F L O W S T A T E M E N T
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S O E
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Across Down
1. The difference between the amount budgeted and the 2. Debts you must pay within a short period of time,
actual amount received or spent. usually less than a year.
4. Debts you do not have to pay in full until more than a 3. Reports what you own and what you owe.
year from now. 7. Earnings after deductions for taxes and other items;
5. Day-to-day financial activities necessary to manage also called disposable income.
current personal economic resources while working 9. A private storage area at a financial institution with
toward long-term financial security. maximum security for valuables.
6. Cash and items of value that can easily be converted 11. The actual inflow and outflow of cash during a given
to cash. time period.
8. Cash and other property with a monetary value. 14. The amount by which actual spending exceeds
10. Inflows of cash to an individual or a household. planned spending.
11. A summary of cash receipts and payments for a 15. The difference between total assets and total
given period. liabilities.
12. Money left over after paying for housing, food, and
other necessities.
13. The amount by which actual spending is less than
planned spending.
16. The inability to pay debts when they are due because
liabilities far exceed the value of assets.
17. Amounts owed to others.
18. A specific plan for spending income.
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Farewell my dear mother, please do not weep.
PICKET LINES.
A soldier placed on the picket line
Has a responsible duty to him assigned;
To perform this duty with judgment and skill
Requires nerve, pluck, brain and deliberate will.
He protects the main army back in the rear,
And watches each movement with trembling and fear;
If the enemy makes a hostile move he does not run
But warns his friends in the rear by firing his gun.
Then the pickets exchange some hasty shots,
Fall back in line and things get hot.
Picket or Scout.—Different phases of soldier life have been
partially explained, but the elements that enter into the make up or
the varied experience of the successful sharpshooter or scout are
beyond description. Take the foremost soldier in the army whose
energy, pluck and daring deeds of valor have aided him in forging his
way to the front, then add all the nerve, fearlessness, disregard of
danger, determination to surmount all obstacles and you get only a
faint idea of the sturdy firm, intrepid picket or scout, looking not for
trouble but for adventure. History often records raids made by such
dashing leaders as Jackson, Stuart, Morgan or leaders of that
character with picked men. Such leaders select from different
commands men who have passed through firey ordeals and have
been weighed in the balance and found not wanting. With such
soldiers wonderful victories have been achieved that would have
been failures with a different class of men. The common soldier on
the skirmish line however courageous he may be finds himself facing
a problem that calls into play some traits of the soldier that he does
not possess. The picket lines were often very close together,
sometimes on friendly terms and sometimes hostile to each other.
On The Picket Line.—In the night time the lines have been near
enough to hear pickets in the opposite line talking in a low tone, but
usually the lines were further apart. A very slight demonstration on
the picket line sometimes precipitated a fight. The sentinels on the
lines of the two armies were at one time respectively walking their
beats on opposite sides of the Rapahannock river in plain view of
each other. A sentinel on post on one of the lines playfully pointed
his gun at the sentinel on post opposite him on the other side and
was at once shot at by the sentinel, who took the matter seriously.
There was something doing along the line for a little while but the
situation was soon understood, the excitement subsided and the
sentinels resumed their places, walking their beats but refrained from
quite so much familiarity.
Exchange of Courtesies.—Sentinels on post on the picket lines
representing the opposing armies often exchanged courtesies and
greetings and on the sly met between the lines, exchanged daily
papers, swapped tobacco for coffee, had a pleasant chat with each
other and returned to their respective posts with the kindliest
feelings. The following lines demonstrate or illustrate the friendly
feeling that prevailed among the soldiers of the two opposing armies.
“Good morning: Johnnie. Good morning Pat,”
Come across and we will have a social chat
We can be friendly loyal and true,
Although I wear the grey and you the blue.
I feel somewhat lonely walking my beat,
And to visit you would be quite a treat.
I will pledge my word upon the honor of a man
That I will come half way and treat you well as I can.
Your proposal seems very fair to me
Let us meet in the shade of that old oak tree.
The sentinels moved forward not in battle array,
But approached each other in a friendly way.
In consequence of the vigorous exercise walking their beats
They were much fatigued suffering with heat
Johnnie’s canteen was full of water cool as could be
Which he shared with Pat in the shade of the tree.
Pat smiling said it tastes like water from the lake
Away up North in Michigan State.
Then said in my canteen is some of the elixir of life
That will make us forget our sorrows and strife.
Will you not a little bit of it take
As Paul would say for your stomach sake,
Johnnie said thank you holding out an empty tin cup,
Which they filled with Southern water Northern sugar and other
stuff,
Then of the mixture each one took a sup
Drinking out of the same tin cup,
It tasted pleasant and they repeated the dose
’Till they both felt gay and very jocose.
Finally conversation in a confidential channel did run
They talked of their home life both anxious to return,
Pat said he had a wife and children at his home near the lake
That were anxiously looking for him wishing for the war to break.
Johnnie showed the picture of a sweet looking girl,
That he declared was the sweetest best girl in the world,
Saying she lives in a cottage among the hills in a North Carolina
home.
And will be true to me until I return.
When this cruel war is over I will be by her side
And claim a fulfillment of her promise to be my bride,
They were talking confidentially in this beautiful strain,
Commenting on their loved ones again and again.
Suddenly they heard the report of a signal gun
And to their respective posts did quickly run.
After the signal gun fired in a very short time
There was brisk firing all along the picket line.
At these two posts firing was rapid and sharp,
But the aim was above or below the mark,
Finally the pickets were ordered to fall back,
The two waved hands saying, “Good-bye Johnnie, Good-bye Pat.”
Fearful Experience.—During the time of the engagements in the
wilderness a soldier on the picket line one night had a fearful
experience. The lines were very close and the sentinels on post had
strict orders to walk their beats, keep a sharp lookout and let no one
approach or cross the line without giving the countersign. It was very
dark and the thick underbrush made the darkness more dense. The
officers making their rounds were embarrassed not knowing how
soon they might march into the enemy’s lines. The sentinel quietly
walking his beat heard a soldier approaching and soon as he came
near enough in as low a tone as possible challenged him and asked
for the countersign. The soldier approaching apparently like the
soldier on post was uncertain whether he was in the presence of a
friend or an enemy. In an evasive way they made inquiries with a
view of ascertaining each others identity. Each one was afraid to fire
on the other fearing he would be firing on a friend instead of an
enemy, knowing too that the least disturbance would precipitate a
movement of both armies and perhaps cause a battle which in the
darkness would have been horrible to contemplate. Without
understanding their true relationship to each other, they
simultaneously turned and walked in opposite directions and to this
day the soldier does not know whether he challenged a friend or a
foe.
Burned Bodies of the Dead.—To augment the horrors of the
Wilderness battles a fire broke out immediately following the retreat
of the enemy in an engagement and swept over the battlefield before
the dead could be moved. The picket line reconnoitering moving
forward to discover the position taken by the retreating army was
obliged to run over the crisp burned bodies of Yankee soldiers lying
dead on the field. It was an awful sight illustrating the horrors of war.
The soldiers on the picket line in consequence of the heat, smoke
and stench were very nearly overcome and were driven to the
extreme necessity of drinking the turbid waters of a ditch where dead
bodies of Yankee soldiers were lying very close.
Test of Valor.—On the skirmish line was the place to test the real
powers of the soldier. In the Southern army were plain unassuming
men, without reward or the hope of reward, or even realizing that
they were doing anything extraordinary, that performed deeds of
daring that stamped them as heroes of the highest type.
Escape of the Enemy.—Near the close of the war an inducement
was offered by the Yankees to dissatisfied Southern soldiers to pass
through the lines, and occasionally a sentinel would leave his post
and with his gun and equipments make a dash for the lines on the
other side. As he approached the picket post on the other side the
Yankee sentinel would call out, “Come in Johnnie.” A few soldiers
escaped sometimes under the fire of sentinels at contiguous posts.
While a few citizens and soldiers crossed over the line but few joined
the Northern army.
Welcome Peace.—Soldiers on both sides were tired of war and
welcomed the treaty of peace, and were glad to return to their homes
and again engage in the quiet peaceful pursuits of life.
Four years of exposure suffering and strife
Ruined many a home and many a life,
At the end of the war many soldiers brave
Were peacefully sleeping in heroes graves.
On the Warpath.—The campaigns of the civil war were generally
vigorously prosecuted in warm weather. In the good old Summer
time soldiers slept on blankets thrown on the ground with nothing but
the canopy of heaven as a covering, and then if they received
marching orders the boys had nothing to do but to take up their beds
and walk at quick step or if in case of urgent necessity at double
quick time.
Often while sweetly sleeping not disturbed by the fear of Yankees or
anything else, the drum would beat and soldiers would be aroused
from sleep and then there would be something doing, and very soon
the command would be moving.
Though densely dark with no moon or star light,
The Southern boys were always ready for fight;
Although the Yankees did their methods despise,
They pounced upon them and took them by surprise.
Unreliable Soldiers.—On the warpath the artful skulker did clever
maneuvering worthy of a better cause to sustain his position that for
plausible reasons he ought to be an immune and not required to join
at the critical time when the battle was on.
Soldiers destitute of principle, morals or brain
Upon the fair name of an army cast a stain.
An army made up of figureheads, thugs and bums,
To an intelligent force is obliged to succumb,
Fortunately the Southern army did not have many of this class, and
the few placed as they were among soldiers disposed to do their
duty, were obliged to take their places in line.
Music in Battle.—Before the beginning of hostilities the average
citizens were under the impression that soldiers marched into battle
to the tune of martial music and to cheer them on the drums would
beat and the bands play, but soldiers’ first experience convinced
them that a very different kind of music prevailed. It was the terrific
sound of bursting shells, the hateful, hissing, singing of minnie balls,
mingled with commands of officers occasionally heard above the din,
and the screams and groans of wounded and dying soldiers crying
for help and calling for water to quench their burning thirst.
Instead of selecting a certain soldier in the enemy’s line as a target
to shoot at, a soldier merely leveled his gun and fired at the line of
battle of the enemy, dimly seen through the smoke and dust, then
loaded his gun with another cartridge and repeated. In a hotly
contested fight soldiers often shot fifty rounds of cartridges and their
guns got so hot that they could scarcely grasp them with their hands.
Battles.—A succession of battles is by no means a monotonous
repetition. Each battle has its peculiar phases. A battle is often an
exhibition of the artistic skill of officers in arranging and
maneuvering, and of men carefully executing, and may be a trial of
physical endurance and the well trained handling of the weapons of
warfare used. In any event a battle is a spectacular scene imposing
and grand.
Opposing armies, on the warpath, require but little provocation to
induce them to get up a rumpus. Battles are by no means
precipitated in a uniform cut and dried way, but are brought about in
as many ways as there are battles fought. A single shot fired by a
picket from his post may cause the picket lines to exchange shots
and fall back, and the commands represented by them to settle the
disturbance by engaging in a battle. Cavalrymen sometimes make a
raid and start a fight into which the entire armies are drawn.
Cannonading is a very common way to start a fight. Sometimes a
command is surprised by a detachment from the opposite army and
a battle ensues, and sometimes the armies come together
apparently without any preconcerted plan on either side,
simultaneously line up and get busy, with their work of carnage.
On the battlefield soldier life is delineated in its most revolting phase.
Two contending armies present a spectacle grand and awful to
contemplate. The surging masses of human beings intent on each
others destruction with the death dealing artillery with its terrific roar
and the more destructive missiles of small armies with their hateful
hissing sounds, together with the deafening cheers of the moving
armies, and the heartrending screams and moans of the wounded
and dying make the scene agonizing to the extreme. Two contending
armies engaged in battle present to the eye of the beholder an
indescribable panorama.