The Broke Persons Guide to Credit Cards

The Broke Persons Guide to Credit Cards The Broke Persons Guide to Credit Cards The Broke Persons Guide to Credit CardsStop using your credit card to rack up high-interest consumer debt and start using it to boost your credit score instead!Credit cards are a tricky thing. On the one hand, you can use one to earn great rewards or miles, keep your credit score in shape, and even cover the rare emergency expense. On the other hand, they can also be a one-way ticket to expensive debt, a lousy score, and a financial life lived one paycheck at a time. It all depends on whether you use the card responsibly.“A credit card can be a payment method or a debt machine!” said  Financial Lifeguard  and author Christine Luken (@FinLifeGrd). “I advise my clients to first ask themselves honestly if they can be trusted to use a credit card as a payment method that they pay off in full monthly. There are a few things we can proactively do to ensure that a credit card doesnt turn into a debt machine.”Career bank officer Laura L. Mael of  Settlers Bank  (@settlersbankwi) obse rved that “We are a society where you have to have debt to get debt (i.e. home, car, and business loans) at the same time, we dont teach responsible use of it.”Well, that’s exactly what we’re trying to rectify. If you’re on a tight budget and are want to start using your credit card to build your credit score instead of your debt, here are the things you should do. Treat it like a debit card.The easiest way to rack up burdensome debt on your credit card is to spend money that you don’t actually have. That’s why Evan Sutherland, Co-Founder of  BudgetingCouple.com  (@BudgetingCoupl), recommends just using your credit card like it’s a debit card.“When you swipe your debit card, money automatically gets withdrawn from your checking account to make the payment. Let the same be true for your credit card,” he said. Every time you swipe your credit card, pay off that balance immediately.“This means you can only use your credit card if you’ve got the cash to back it u p. Follow this one simple rule, and you save $1,000+ dollars/year in cash back opportunities, and watch your credit score climb to 800 or above.”And even if you can’t get your score that high, avoiding high-interest debt will be reward enough.Keep your credit limit low.If you’re a credit card newbie or someone whos had some  previous difficulty with overspending, then don’t give yourself the room to pile on extra debt.Keep the credit limit low and something that could reasonably be paid off if need be,” said Mael. She went on to recommend that you base this limit on your monthly disposable income or savings balances.And what about if you end up maxing out your card? Well, a lower limit means less debt to pay down. “If you do happen to max out a $500 or $1,000 credit limit, you could work some overtime or a side hustle to easily pay it off,” offered Luken.Set limits for yourself.While we don’t recommend maxing out your card every month (seriously, it will likely have a negative impact on your score), you should be able to set a monthly spending limit on the card and then hold yourself to it. If you can’t do that, you probably shouldn’t have a card at all.“To responsibly use a credit card, you need to have some self-control and set yourself a limit for monthly spending on it,” Jacob Dayan, CEO and co-founder of  Community Tax (@communitytaxllc) and Finance Pal. Set a limit that you know you will be able to make the minimum monthly payment.“Ideally, you should try to pay it off every month to not accrue any interest on your bill. Doing so is a sure-fire way to help you build up your credit score. Plus, having little to no debt on a credit card comes in handy in emergencies where you need to pay for something in a hurry, he added.Only use it for small monthly expenses.“Using a credit card solely for small monthly expenses is the simplest way to boost your credit score,” said Roslyn Lash (@RosLash), an  accredited  financial counselor and the founder of  Youth Smart Financial Education Services.Additionally, only using your card for small, regularly-occurring expenses will help you keep a cap on your overall spending. It will also prevent you from using your card on shiny, new purchases that you otherwise wouldn’t be making.“Only use the card for items you would already be purchasing (gas, food, utilities etc), said Mael. “Don’t use it to purchase the extras that you want.”Track your spending closely.Many folks have experienced that awful sinking feeling when they’ve checked their credit card balance and discovered that it’s way, way higher than they thought it was. How could this be, they wonder.Well, it’s probably because they weren’t keeping track for themselves of how much money they were spending.As Mael put it:“Each time you make a purchase on that credit card, write the amount out of your checkbook so when you go to pay the bill at the end of the month you have the cash to do it with (y ou could also deposit the money into a separate account if thats easier to keep track of).”And if you don’t have an actual checkbook, that’s no excuse. A notes app should work fine, or an actual note as well. You can also check out some of the personal finance apps listed in our App Directory that will help you track your spending.Pay your bill every month.This one’s pretty simple. You’re going to have a credit card bill due every month, which means that you have to pay your bill monthly. Not only is this one simple, it’s basically non-negotiable.Ideally, you should be paying off the entire thing every month. But even if you aren’t, you still need to be paying at least the minimum amount due.In order to keep yourself honest, Mael recommended that you “never add charges in a new month if you havent paid off the previous months charges.”Never forget that one late payment recorded on your credit report could have a serious effect on your credit score.Make it harder on yourself to even use your  card.Self-control can be difficult to master. In order to get yourself into the habit, you can go above and beyond by making your card difficult to access. Literally.“Make it harder on yourself to even use your credit card in the first place,” said Luken. Leave your physical card at home so youre not tempted to spend money you dont have while youre shopping or out on the town. And dont save your credit card information on websites which are a temptation to you.“This is also a good idea anyway because it will protect you from fraud,” she added.Set up auto-pay.“Put your credit card on autopay, and set it to cover your full statement balance” advised Sutherland, noting that, “now you won’t even have to remember to pay off your card. Your only responsibility at this point is to always have enough money in your checking account ready cover your upcoming credit card bill. Then let autopay do the rest.”Of course, this will have to be paired wit h a rigorous approach to credit card spending so that you don’t end up zeroing out your checking account and incurring bank overdraft fees. As Sutherland noted, this is a slightly more “advanced” tip. It’s one you should start trying until you’re sure you can use the card responsibly.In order to lessen the risk of an expensive overdraft, Mael recommended that you “partner this with deducting the purchase from checking as its made. That way, when the payment comes out, the money has already been deducted from the checking account at the time of purchase!”Get a secured credit card.If you can’t get approved for a regular credit card because your score is too low, that doesn’t mean you’re out of options. In order to build your score and practice the basics of responsible credit card use, you could apply for a secured credit card!Consider a secured credit card thats backed up a savings account you cant access while the card is open,” said Luken. If your financial si tuation becomes rocky, you can contact the issuing bank and have them close the card and pay it off with the money thats secured in the savings account.”Plans are easy. It’s sticking to them thats hard.As Mael noted to us, many of these steps are pretty simple. But that doesn’t mean they’re easy. “They do take a commitment and a dedication to making them work,” she said.“The key is to have a plan and stick to that plan. Credit is sexy and easy and lets you get the stuff that you want. It can be a real trap that once youre in it is hard to get out.”Racking up credit card debt and tanking your credit score could leave you hard-up during a financial emergency. Thats how people end up relying on predatory no credit check loans and short-term bad credit loans like payday loans, cash advances,  and title loans. So use your cards responsibly! To read more about setting yourself up for financial success, check out  these related posts and articles from OppLoans:8 Good Habits to Get Your Financesâ€"and Your Lifeâ€"on TrackA Beginner’s Guide to BudgetingFrom Budget to Baller: 6 Tips to Grow Your Money8 Ways To Save Money Today, Tomorrow and Every Day AfterWhat other questions do you have about credit cards?  Let us know! You can find us  on  Facebook  and  Twitter.ContributorsJacob Dayan is the CEO and Co-Founder of  Community Tax, LLC (@communitytaxllc) and  Finance Pal, LLC. He began his career in Wall Street New York at Bear Stearns working in the Financial Analytics and Structured Transactions group. He continued to work in Wall Street until early 2009. When he then left New York and returned to Chicago to be with his family and pursue his lifelong dream  of self-employment. There he co-founded Community Tax, LLC followed by Finance Pal in late 2018.Roslyn Lash  (@RosLash) is an Accredited Financial Counselor and the Author of  The 7 Fruits of Budgeting.  She specializes in financial education, adult coaching, and works virtually with adults helpin g them to navigate through their personal finances i.e. budgeting, debt, and credit repair. Roslyn is a real estate broker and is also the founder of  Youth Smart Financial Education Services which specializes in financial literacy. Her advice has been featured in national publications such as USA Today, Forbes, TIME, Huffington Post, Los Angeles Times, and a host of other media outlets.Christine Luken, The Financial Lifeguard (@FinLifeGrd), is a money coach, speaker, and author of two books:  Money is Emotional: Prevent Your Heart From Hijacking Your Wallet  and Manage Money Like a Boss: A Financial Guide for Creative Entrepreneurs.Laura  Mael  has been working in the financial industry for over 30 years. Currently, she is responsible for sharing the story and expertise of Settlers Bank  (@settlersbankwi) where she serves as Public Relations Officer. Also, she is an entrepreneur and owns, Career Solutions by Laura.    Active in her community she recently served as ambassador for th e Women’s Entrepreneurship Day in Madison, WI. She holds her BA in Sociology from the University of Wisconsin Madison and is a certified Global Career Development Facilitator.Evan Sutherland  is a Veterinary school dropout turned entrepreneur. In late 2017, he and his wife co-founded  BudgetingCouple.com  (@BudgetingCoupl) to teach one simple truth: spending money correctly is the secret to building savings, becoming debt free, and enjoying money. He and his wife live in Washington State with their cat and pup.

The Denver Art Museum Architecture - 1690 Words

The Denver art Museum, a very strange looking building at first sight. Well I guess the question to ask is strange to what? Because everything is relative. So the Denver art museum architecture is very different relative to the buildings around it. To me it looks like an explosion of shapes, Boxes and triangles and wedge shaped objects flying from the center of creativity. As said earlier the architecture is strange or vastly different relative to the buildings around it, but when you push your views aside and look at the building for what it is, you see that it is art. The detention of â€Å"architecture† is the art or practice of designing and constructing buildings, so by this, every architect is an artist. Some are much more conventional, some are expressive, they design and express buildings to resemble something different. So I looked a second time at the building and saw not just a strange looking building but a giant piece of artwork, expressing 10 different building d esigns in one building to house the artwork of many others. As I entered the building I saw the artwork of the building was not just exterior. Yet, Inside, even stripped of all the art work it still, the building itself was still art. With expressive lines and shapes, the layout of the building was expressing new and old, fancy and plane architecture all into its own beautiful piece of artwork. Nothing about the building was ordinary to a general standard of 21st century architecture. But expressive art,Show MoreRelatedArt : The Art Of Art1631 Words   |  7 PagesThe Art of Art Some of the first art come out of the Americas was the visual arts of the people of the Caribbean, Central, North and South Americas. This type of art refers to all art produced until the late 15th century, and occasionally till the very early 16th. 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Essay on The Great Gatsby by Fitzgerald - 1802 Words

The Great Gatsby by Fitzgerald Thesis: The pursuit of the American Dream is a dominant theme throughout The Great Gatsby, which is carried out in various ways by F. Scott Fitzgerald, how the author represents this theme through his characters and their actions is one small aspect of it. Fitzgeralds dominant theme in The Great Gatsby focuses on the corruption of the American Dream. By analyzing high society during the 1920s through the eyes of narrator Nick Carraway, the author reveals that the American Dream has transformed from a pure ideal of security into a convoluted scheme of materialistic power. In support of this message, Fitzgerald highlights the original aspects as well as the new aspects of the American Dream in†¦show more content†¦Gatsby realizes that life of the high-class demands wealth to become priority; wealth becomes his superficial goal overshadowing his quest for love. He establishes his necessity to acquire wealth, which allows him to be with Daisy. The social elite of Gatsby?s time sacrifice morality in order to attain wealth. Tom Buchanan, a man from an enormously wealthy family, ?seems to Nick to have lost all sense of being kind.?(Lehan, pg.60) Nick describes Tom?s physical attributes as a metaphor for his true character when remark ing that Tom had a ?hard mouth and a supercilious manner?arrogant eyes has established dominance over his face?always leaning aggressively forward?a cruel body?his speaking voice?added to the impression of fractiousness he conveyed? (Lehan, p.61) The product of hard work is the wistful Jay Gatsby, who epitomizes the purest characteristics of the American Dream: everlasting hope. His burning desire to win Daisy?s love symbolizes the basis of the old dream: an ethereal goal and a never-ending search for the opportunity to reach that goal. Gatsby is first seen late at night, ?standing with his hands in his pockets? and supposedly ?out to determine what share is his of our local heavens? (Fitzgerald, pg25). Nick watches Gatsby?s movements and comments: ?-He stretches out his arms toward the dark water in a curious way, and as far as I am from him I can swear he is trembling. Involuntarily I glance seaward-and distinguish nothing except a singleShow MoreRelatedThe Great Gatsby By F. Fitzgerald1558 Words   |  7 Pagesreaders that he is an honest, true individual in the beginning. He demonstrates that he is the innocent bystander who is simply just observing everyone around him, and describes himself as â€Å"one of the few most honest people that I have ever known† (Fitzgerald 59). He is immensely charismatic and can make friends with almost everyone, therefore his narration can be described as unbiased and he seems to be merely telling the story as it is. 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The Importance of College Essay Examples

The Importance of College Essay Examples One of the greatest ways we've found to help is by giving a selection of college essay examples. Choosing where to go to college is an amazingly important choice. Finding the proper college can appear a small hazy like that. Give them a general idea of what you could do well, and describe ways to contribute your knowledge to the prosperity of that specific college or university. The report is readily the most crucial portion of a university appllication. Some colleges' essay topics are trying to find thoughtful responses, while some are inviting you to be playful. If you've already graduated from college or university and are looking for a superior job, you will need to get a persuasive resume to impress your future employer. How to Find College Essay Examples Online A great sample college essay isn't the simplest thing to find on the web, where anyone with a keyboard and a blog can post something which purports to be a quality, absolutely free essay. My life is composed of many components, some more outstanding than others. If a specific word appears to be repeated all of the time, that might be an indication that the essay was written to catch the eye but not to offer legitimate, good content. Sometimes in life it is wise to have a step back and examine the huge picture. It is preferable to find professional writing assistance from the correspondi ng support. Essays might be a whole lot of work, but in addition they have the capacity to be rewarding, sentimental, and enjoyable. If you would like to create a prosperous paper and to receive a high grade, you want to have certain writing and research abilities. 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Look at what you've read for each one of the principal points of your ess ay and work out how it is possible to discuss it in your words, or inside a more informative way. Therefore, if you take advantage of an essay example strictly for its structure and to be certain that you stay focused, then you'll be OK. Coherence The composition has to be coherent. Moreover, a superb composition doesn't beat around the bush. In addition, a well-written composition utilizes simple and appropriate words. College Essay Examples: the Ultimate Convenience! Stephen's informative article is really effective. If you're not completely sure you've chosen the correct topic, you're not alone. As stated in my final article, sometimes the ideal way to learn is through example. Two new essay options are added, and a number of the previous questions are revised. You can also get in touch with your writer to supply some additional recommendations or request information regarding the order's progress. It's very valuable to take writing apart to be able to see just the w ay that it accomplishes its objectives. Tell our experts what kind of homework help on the internet you will need to get. Rather than making broad statements about what you would like to do, give certain examples from high school or extracurricular pursuits.

Valuation of Capitalised Research and Development

Question: Discuss about the Valuation of Capitalised Research and Development. Answer: Introduction: The government sectors and entities comprising of both profit and non-profit sectors prepare their general purpose financial reports that are as per the Australian Accounting standards which are further in accordance with Corporation Act 2001 (Presentation of Financial Statements, 2015). The AASB 10 stipulates the standards for Consolidated Financial Statements. The standard presents the guidelines and principle, which are to be followed for preparation and presentation of consolidated financial statements and reports of entities that are controlling one or more subsidiaries (Hodgson and Russell, 2014). The standard presents and establishes the principle of control, which forms the basis of consolidation. As per the Walker (2008), an entity is subject to IFRS 10 application if they are profit oriented and applies this standard. It is also applicable to industries that fall under the category of Tier 1 and Tier 2. The key aim of establishing such standard is for setting up rules for entities along with its subsidiaries for preparation and presentation of consolidated financial statements. The eligibility for application of this standard is that the entity is required to have total control over its subsidiary. Calculation of Goodwill/ Capital Reserve in consolidation process Net fair value of identifiable assets and liabilities = ($158800) (equity) +$6400* (1-.30) (inventory) + 2000* (1-.30) (patent) + 20000* (1-.30) (plant) = $178680 Consideration transferred = $220800 Goodwill = $42120 Consolidated worksheet entries at 1 July 2016 Table 1: Statement showing consolidated worksheet entries at 1 July 2016 Sr. No. Particular Dr. Amount Cr. Amount Journal Entries in the books of Merelyn Ltd at the acquisition date 1 Inventory A/c Dr $6400 To Deferred Tax liability A/c $1920 To Business combination valuation reserve A/c $4480 2 Patent A/c Dr $2000 To Deferred Tax liability A/c $600 To Business combination valuation reserve A/c $1400 3 Accumulated Depreciation A/c $40000 To Plant A/c To Deferred tax liability A/C To Business combination valuation reserve $20000 $6000 $14000 4 Goodwill A/C Dr. $42120 To Business combination valuation reserve A/c $42120 Pre-acquisition Entries at the end of year 1 Share Capital A/c Dr $100000 Retain Earnings A/c Dr $58800 Business combination valuation reserve A/c Dr $62000 To Shares in Cathey A/c Ltd $220800 Worksheet entries at 30 June 2017 The entries that are affected Sales of inventory Depreciation of plant Impairment of goodwill Table 2: Statement showing consolidated valuation entries at 30 June 2017 Sr. No. Particular Dr. Amount Cr. Amount 1 Cost of sales A/c Dr $6400 To Income tax expenses A/c $1920 To business combination valuation reserve A/c $4480 2 Patent A/c Dr $20000 To Deferred Tax liability A/c $6000 To Business combination valuation reserve A/c $14000 3 Accumulated Depreciation A/c Dr $40000 To Plant A/c $40000 4 Plant A/c Dr $20000 To Deferred Tax liability A/c $6000 To Business combination valuation reserve A/c $14000 5 Depreciation expenses A/c Dr $2000 To Accumulated Depreciation A/c ($20000*10%) $2000 6 Deferred tax liability A/c Dr. To Income Tax Expense A/c ($2000*30%) $600 $600 7 Goodwill A/c Dr To Business combination valuation reserve A/c Dr $42120 $42120 8 Impairment loss goodwill Dr $1300 To Acc. Impairment loss- goodwill A/c $1300 Pre-acquisition Entries The pre-acquisition entries are affected by: -transfer from business combination valuation reserve Journal Entry 1 Share Capital A/c Dr $100000 Retain Earnings A/c Dr $58800 Business combination valuation reserve A/c Dr $62000 To Shares in Cathey A/c Ltd $220800 2 General Reserve A/c Dr $30000 Transfer to general reserve $30000 3 Trf. from business comb. valuation reserve A/c Dr $19600 Buisness combination valuation reserve A/c $19600 The aim of financial statement is to serve information regarding this financial positioning, performance and cash flow of entities that are useful for a wide spectrum of users in undertaking economic decisions. To accomplish this aim, financial statements serve information of entities like assets, liabilities, income and expenses, equity and cash flows (Carson and et.al., 2011). The information served along with the notes is assistive and helps in predicting the future cash flows of entities, which helps in finding out the timing and certainty. The standard directs on making the statement of financial position as the commencement of early comparative period where an entity retrospectively applies the accounting policy or makes ares tatement of items retrospectively in its financial reports or reclassifies the items stated in its financial statements (Ke, Pham and Fargher, 2004). All terms that are stated in AASB 101 standards is adequate for entities which strive for profit both in p rivate and public. An entity may make own use of titles other than those that are specified in this standard. Statement of financial position Table 3: Balance Sheet of Heaven Ltd as at 30 June 2016 Notes Amount $ ASSETS Current Assets Cash and cash equivalents 1 2,98,080 Accounts receivables 6,41,020 Inventory 2 9,70,000 Prepayments 3,400 Calls in arrears (2500 shares at 20c) 500 Total current assets 19,13,000 Non-Current Assets Land Building 17,50,000 Patent 1,00,000 Plant and equipment 17,16,000 Long Term Investments 3 13,00,000 Total non-financial assets 48,66,000 Total Assets 67,79,000 LIABILITIES Current Liabilities Accounts Payable 7,90,000 Accrued Expenses 8,520 Provisions 4 4,79,000 Dividend 2,00,000 Total Current Liabilities 14,77,520 Non-Current Liabilities Employee Benefit 4,00,000 Mortgage Loans 2,40,000 Total Non-Current Liabilities 6,40,000 Total Liabilities 21,17,520 Equity Paid-up Capital 4086000 Retained Profit 5 5,75,480 Total Equity 46,61,480 Total Equity Liabilities 67,79,000 Notes to Accounts Note1: Cash Cash Equivalents Cash at Bank $298080 Total $298080 Note 2: Long-Term Investment 10% Telstra Bonds $1300000 Balance c/d $1300000 Note 3: Accounts Receivable Balance b/d $651020 Less: Impairment of accounts receivable $10000 Balance c/d $641020 Note 4: Provisions Current Tax Liability $160000 Accumulated Depreciation - Plant Equipment $72000 Accumulated Depreciation - Building $207000 Accumulated Depreciation - Patent $40000 Total $479000 Note 5: Retained Earnings Opening Balance $275000 Profit for the period $500480 Dividend Payable -$200000 Balance c/d $575480 Statement of changes in equity Table 4: Statement of changes in equity of Heaven Ltd. Share capital Retained earnings Total equity Balance at 1 July 2015 $4086000 $275000 $4361000 Changes in accounting policy 0 0 0 Restated balance $4086000 $275000 $4361000 Changes in equity for the year 2016 Issue of share capital 0 0 Profit for the period 0 $500480 $500480 Dividend Paid 0 -$200000 -$200000 Balance at 30th June 2016 $4086000 $575480 $4661480 References Carson, E.andet.al., 2011. Audit reports in Australia during the global financial crisis.Australian Accounting Review.21(1).pp.22-31. Hodgson, A. and Russell, M., 2014. Comprehending comprehensive income.Australian Accounting Review.24(2). pp.100-110. Ke, F.Y., Pham, T. and Fargher, N., 2004. The relevance to firm valuation of capitalised research and development expenditures.Australian Accounting Review.14(34).pp.72-76. Walker, R.G., 2008. Disclosure of Financial Commitments.Australian Accounting Review.18(2).pp.161-172. Online Presentation of Financial Statements, 2015. [PDF]. Available from https://www.aasb.gov.au/admin/file/content105/c9/AASB101_07-15.pdf. [Accessed on 7th

Young Goodman Brown Goodman Brown Essays - Abrahamic Mythology

Young Goodman Brown Goodman Brown Young Goodman Brown is a moral story that is told through the perversion of a religious leader. In Young Goodman Brown, Goodman Brown is a Puritan minister who lets his excessive pride in himself interfere with his relations with the community after he meets with the devil, and causes him to live the life of an exile in his own community. Young Goodman Brown begins when Faith, Brown's wife, asks him not to go on an errand. Goodman Brown says to his love and (my) Faith that this one night I must tarry away from thee. When he says his love and his Faith, he is talking to his wife, but he is also talking to his faith to God. He is venturing into the woods to meet with the Devil, and by doing so, he leaves his unquestionable faith in God with his wife. He resolves that he will cling to her skirts and follow her to Heaven. This is an example of the excessive pride because he feels that he can sin and meet with the Devil because of this promise that he made to himself. There is a tremendous irony to this promise because when Goodman Brown comes back at dawn; he can no longer look at his wife with the same faith he had before. When Goodman Brown finally meets with the Devil, he declares that the reason he was late was because Faith kept me back awhile. This statement has a double meaning because his wife physically prevented him from being on time for his meeting with the devil, but his faith to God psychologically delayed his meeting with the devil. The Devil had with him a staff that bore the likeness of a great black snake. The staff which looked like a snake is a reference to the snake in the story of Adam and Eve. The snake led Adam and Eve to their destruction by leading them to the Tree of Knowledge. The Adam and Eve story is similar to Goodman Brown in that they are both seeking unfathomable amounts of knowledge. Once Adam and Eve ate from the Tree of Knowledge they were expelled from their paradise. The Devil's staff eventually leads Goodman Brown to the Devil's ceremony which destroys Goodman Brown's faith in his fellow man, therefore expelling him from his utopia. Goodman Brown almost immediately declares that he kept his meeting with the Devil and no longer wishes to continue on his errand with the Devil. He says that he comes from a race of honest men and good Christians and that his father had never gone on this errand and nor will he. The Devil is quick to point out however that he was with his father and grandfather when they were flogging a woman or burning an Indian village, respectively. These acts are ironic in that they were bad deeds done in the name of good, and it shows that he does not come from good Christians. When Goodman Brown's first excuse not to carry on with the errand proves to be unconvincing, he says he can't go because of his wife, Faith. And because of her, he can not carry out the errand any further. At this point the Devil agrees with him and tells him to turn back to prevent that Faith should come to any harm like the old woman in front of them on the path. Ironically, Goodman Brown's faith is harmed because the woman on the path is the woman who taught him his catechism in youth, and was still his moral and spiritual adviser. The Devil and the woman talk and afterward, Brown continues to walk on with the Devil in the disbelief of what he had just witnessed. Ironically, he blames the woman for consorting with the Devil but his own pride stops him from realizing that his faults are the same as the woman's. Brown again decides that he will no longer to continue on his errand and rationalizes that just because his teacher was not going to heaven, why should he quit my dear Faith, and go after her. At this, the Devil tosses Goodman Brown his staff (which will lead

Court Transcript of BTKs Confession

Court Transcript of BTKs Confession On February 26, 2005, the  Wichita Police announced that investigators had made an arrest in the BTK serial killer case after taking into custody an employee of nearby Park City, Kansas in a routine traffic stop – bringing to an end an era of terror for the Wichita community which lasted more than 30 years. Dennis Rader,  a city employee, a cub scout leader, and an active member of his church, confessed that he was the BTK serial killer. Here is the transcript of his confession. The Defendant: On January 15th, 1974, I maliciously, intentionally and premeditation killed Joseph Otero. Count Two – The Court: All right. Mr. Rader, I need to find out more information. On that particular day, the 15th day of January, 1974, can you tell me where you went to kill Mr. Joseph Otero? The Defendant: Mmm, I think it’s 1834 Edgemoor. The Court: All right. Can you tell me approximately what time of day you went there? The Defendant: Somewhere between 7:00 and 7:30. The Court: This particular location, did you know these people? The Defendant: No. That’s –(Off-the-record discussion between the defendant and Ms. McKinnon.) No, that was part of my – I guess my what you call fantasy. These people were selected. The Court: All right. So you – (Off-the-record discussion between the defendant and Ms. McKinnon.) The Court: – you were engaged in some kind of fantasy during this period of time? The Defendant: Yes, sir. The Court: All right. Now, where you use the term â€Å"fantasy,† is this something you were doing for your personal pleasure? The Defendant: Sexual fantasy, sir. The Court: I see. So you went to this residence, and what occurred then? The Defendant: Well, I had – did some thinking on what I was going to do to either Mrs.  Otero or Josephine, and basically broke into the house –or didn’t break into the house, but when they came out of the house I came in and confronted the family, and then we went from there. The Court: All right. Had you planned this beforehand? The Defendant: To some degree, yes. After I got in the house it – lost control of it, but it – it was – you know, in back of my mind I had some ideas what I was going to do. The Court: Did you – The Defendant: But I just – I basically panicked that first day, so – The Court: Beforehand did you know who was there in the house? The Defendant: I thought Mrs. Otero and the two kids – the two younger kids were in the house. I didn’t realize Mr. Otero was gonna be there. The Court: All right. How did you get into the house, Mr. Rader? The Defendant: I came through the back door, cut the phone lines, waited at the back door, had reservations about even going or just walking away, but pretty soon the door opened, and I was in. The Court: All right. So the door opened. Was it opened for you, or did someone – The Defendant: I think one of the kids – I think the Ju – Junior – or not Junior – yes, the – the young girl – Joseph opened the door. He probably let the dog out ‘cause the dog was in the house at the time. The Court: All right. When you went into the house what happened then? The Defendant: Well, I confronted the family, pulled the pistol, confronted Mr. Otero and asked him to – you know, that I was there to – basically I was wanted, wanted to get the car. I was hungry, food, I was wanted, and asked him to lie down in the living room. And at that time I realized that wouldn’t be a really good idea, so I finally – The dog was the real problem, so I – I asked Mr. Otero if he could get the dog out. So he had one of the kids put it out, and then I took them back to the bedroom. The Court: You took who back to the bedroom? The Defendant: The family, the bedroom – the four members. The Court: All right. What happened then? The Defendant: At that time I tied ‘em up. The Court: While still holding them at gunpoint? The Defendant: Well, in between tying, I guess, you know. The Court: All right. After you tied them up what occurred?