Write an essay in which you agree or disagree with the author's

Compose a wherein you concur or differ with the creator's position. Utilize your own thoughts and encounters - Essay Example e realities in the article, it is totally important to put a gag on charge card organizations that part with unconditional presents to bait youthful understudies into â€Å"plastic bondage†. Charge card showcasing in universities needs limitations The principal reason I concur with the writer’s thought that understudies don’t need additional credit is that the information shows that there are just 21% individuals (understudies) that pay their credit installment every month and just 11% compensation even not exactly the base installment. The remainder of the understudy parcel (counting 11%) turns over their obligation to one month from now and that’s what puts a major grin on Mastercard organizations. That is actually what they need to see, credit being turned over growing into more credit. It is nothing unexpected that money related experts call amassing obligation or credit the eighth marvel of the world. The obligation just keeps developing and the Mastercard holder turns into a money related slave to the Mastercard organization. The second part of the article that causes me to concur with the essayist is the test that why charge card organizations that set up their tables and their ‘poison lemon stands’ in universities consistently part with presents for pursuing a Mastercard not a plastic. Clearly they will recover their going through on the endowments with interests later on. It is difficult to envision that all individuals holding charge cards would be paying their base credit installments routinely, it is essentially outlandish, that is the reason Mastercard organizations are prepared with their huge open mouths trusting that this will occur and they could benefit from the credit lumps. Contrast the Visa with platinum card, there is no distinction in spending guideline, the main distinction comes when it’s time to pay off. For a platinum card, one must have that measure of cash in the financial balance accordingly he can’t regardless spend beyond what he can manage. Then again, it is the Visa that asks the charge card holder to spend beyond what he can bear. This is the place banks money in huge amounts of cash. Once the

To Kill a Mockingbird by Harper Lee :: To Kill a Mockingbird Essays

An outline: When Scout was six, Dill (Charles Baker Harris) stays with his auntie and turns out to be old buddies with the Finches. The youngsters in Maycomb invest all their free energy of summer attempting to get Boo (Arthur) Radley come out of his home. None of the youngsters have ever observed the puzzling man that lives nearby, however they never discover that he is really quieted down in this house. After the late spring is finished, Scout enters school and falls into difficulty since she definitely realizes how to peruse and to compose. She is in every case continually getting into battles with young men like Walter Cunningham, the child of a poor rancher. During that year, Scout and her more established sibling Jem start to discover things in an opening in a tree on the Radley property as they pass it going to and from school. The following summer, Dill returns and the three proceed with their arrangements to make Boo Radley rise up out of his home. They attempt to utilize an angling rod post to stick a note onto one of the windows of the Radleys. One night they chose to sneak up to one of the windows to have a look inside. Jem arrives at the patio when a shadow shows up and them three run for their lives similarly as a shotgun impact is heard. Jem gets captured wavering by his jeans so he needs to sneak out of them so as to get away. Later he attempts to go get the jeans that he lost and is apprehensive. Somewhat later Scout hears that the jeans were retouched oddly and lying going back and forth. The following fall, the kids make their first snowman. During this virus spell, Miss Maudie's home burns to the ground and Scout and Jem need to remain outside for dread that their home may likewise burn to the ground. While they are shuddering exposed, somebody folds a cover over scout without their knowing it. All signs point to Boo Radley putting the cover around her. About this time, the youngsters start to hear in the town that their dad is a nigger-darl ing. Atticus cautions his kids never to quarrel over this, yet at Christmas time when one of Scout's cousins makes a similar articulation, she bloodies his nose. That Christmas, the two kids get air rifles however they are given directions that they should never execute a <a href=http://www.

Understanding Profitability Index Method

Understanding Profitability Index Method The profitability index is a ratio of an investment’s benefits to the cost involved in making the investment.It is an index used to measure the present value of future cash flow compared to the initial investment.This measurement is more of a prediction of the profitability of investing in a given project. It helps you or the company using it to decide whether to invest in a project or not.This index can be used by individual investors to make investment decisions.However, it is mostly used by companies which are about to venture into projects and they need to know their viability. It is also used to compare two or more different projects so as to decide which one to invest in.The use of the profitability index is in line with the need to maximize investments while lowering costs.As you make an investment, your goal is to gain significant returns which will offset the initial investment you put in.This is basically how you make profits from your investments.Other terms for the prof itability index are the Profit Investment Ration (PIR) and the Value Investment Ratio (VIR).When considering several investment-grade projects, the profitability index serves to rank the projects in order of best return on initial investment.This makes it easy for you to choose which one to go for.The higher the profitability index, the better the returns to be realized.PROFITABILITY INDEX FORMULASThe profitability index is calculated using several variables which depict different aspects of the investment.There are two different formulas used.Let’s look at them separately.Formula 1This is the more simple and direct formula. It uses the present value of future cash flow and the initial investment required.PI = Present value of future cash flow / Initial investment requiredThe present value of future cash flow seeks to understand how valuable the returns to be received are. This is based on the reasoning that $1 held today cannot be of the same value as $1 next year.This reasoning is true because the value of money never remains constant. This is not because the value can itself change but because its purchasing power can, and does, change.One of the biggest determining factors of the purchasing power of money is the ever-changing force of demand and supply. If the supply of a commodity is low, then the product becomes expensive.The amount of money you previously needed to buy the product is then no longer enough. Source: Hands on bankingAnother factor which indirectly affects the demand and supply while directly affecting the value of money is inflation.High inflation makes life expensive, thus the value of money goes down.These factors are what lead investors and companies looking for an investment to calculate potential returns.They need to know how much value the future returns will have if they were held today.Example calculationThe management of company A is thinking of building a new factory to supplement its current factory’s operations.They are projecting an increase in demand for their products. In order to be able to handle the new orders, they are considering this move.Since they don’t want to invest in a project which won’t provide good returns, they give their finance team some work. They are to calculate the profitability index of the new investment.The expected cash flow is $250,000 and the initial investment is $200,000. below is the calculation of the profitability inde x.PI = Preset value of future cash flow / Initial investment requiredPI = 250,000 / 200,000 = 1.25With a PI of 1.25, the project is worth undertaking. Any index greater than 1 is a sign of good returns.Formula 2The second formula requires more calculations to be done. It is shown below.Profitability Index Formula = 1 + (Net Present Value / Initial Investment Required)To use this formula, you will need to find the Net present value. The Net present value is arrived at by using the below formula.Net present value = Present value of future cash flow â€" Initial investment requiredExample calculationTo show how both these formulas give the same results, we will use the example from the first formula.With the initial investment being $200,000 and the present value of future cash flow being $250,000, here is what the calculation would be like.First, calculate the Net present value.Net present value = Present value of future cash flow â€" Initial investment requiredNet present value = 250, 000 â€" 200,000 = 50,000Now calculate the PI.PI = 1 + (Net Present Value / Initial Investment Required)PI = 1 + (50,000 / 200,000) = 1.25In other instances, you may have a list of the specific expected cash flows for every year the new project is to run. In that case, the same formulas stand, only that you will have a longer process to follow.This process adds another factor called discounted value. This is essentially the present value of the future amount.This is from the earlier-mentioned idea that the current value of money is not equal to its value later in time, e.g. 1 year later.Generally, money to be received later in time is considered to have a lower present value than money held in the present.Discounting therefore reduces the amount of money by a specific percentage.Let’s look at an example.Company X is considering an investment. In its calculations, the expected cash flow for the first 3 years are $70,000, $65,000 and $82,000. The initial investment is $120,000. To ca lculate the PI, we will first need to get the total present value of those projected earnings.Since the present value has to be a discounted amount of the figures, here is what to do assuming a discount rate of 10%.Present value = Estimated cash flow value / (1 + Discount rate) ^ nWhere n is the number of year in which the given cash flow amount is received.We will calculate the discounted values then add them up to get the total present value.Year 1: 70,000 / (1 + 0.1) ^1 = 63,636.36Year 2: 65,000 / (1 + 0.1) ^2 = 53,719.01Year 3: 82,000 / (1 + 0,1) ^3 = 61,607.81Total: 178,963.18With this as the present value of cash flow, we then calculate the Profitability index.Keep in mind that the Net present value is attained by subtracting the initial investment requirement from the present value of future cash flow, which is what we have as the total discounted amount (178,963.18).PI = 1 + (Net Present Value / Initial Investment Required)PI = 1 + ((178,963.18 â€" 120,000) / 120,000)PI = 1. 49We can verify this using the first formula.PI = Preset value of future cash flow / Initial investment requiredPI = 178,963.18 / 120,000PI = 1.49INTERPRETING THE PROFITABILITY INDEX VALUEBeing a means of telling which project is worth investing in, the profitability index gives a number which you need to interpret.Just as the ratio of the calculation is important, so is the interpretation of the same.There are three different values or value ranges you can get from any of the formulas you choose.More than 1 â€" a PI value of more than 1 means that the project is a good investment. It is a sign that you will get more than you put in for the investment. Any time you calculate PI and get a value of more than 1, then consider the project viable.Equal to 1 â€" when you get a PI value which is equal to 1, it means that the investment will give the very amount you put in. This is not a good project to invest in. When things are neutral, consider the chances of loss being higher than those of gains. Stay away from such investments.Less than 1 â€" any investment whose PI is less than 1 is a risky one. A value of less than 1 means that the returns are less than the initial investment. The project is a guaranteed loss-making investment. Run away.ADVANTAGES OF THE PROFITABILITY INDEXThe purpose of any formula devised to check investments for profitability is to provide guidance and assurance.Here are some good reasons as to why you should use the profitability index.Shows a project’s worthThe very nature of the profitability index will give you a good idea of the worth of the project you are looking to invest in.Being a ratio of the project benefits to investment cost, it cannot get clearer than this.This borrows from the concept of cost-benefit analysis.With this concept, anything you do has to be evaluated to find out whether the benefits outweigh the costs involved. Although the cost-benefit analysis is applicable in all areas of life, there is no situation better s uited for it than the investment world.Using the profitability index, you are able to see the kind of return you may get from an investment. The calculation process itself will give you helpful information and will force you to make some detailed considerations.For example, to get the estimated yearly cash flow from the project, you will have to do some math. This is different from other investment appraisals which consider the market rate and other external factors.Also, the calculation results have a clear way of showing whether a particular investment is worth your money.Accounts for risk involvedThe profitability index takes into account the ever-present risk factor which other formulas may not. Although the formulas have no variable called risk, the risk is factored in using the discounted valuation.When an expected cash flow is discounted by a certain percentage, this is the risk factor being taken care of.Those amounts get reduced depending on the riskiness of the investment. Thus a project which seems more risky will have the discount rate being higher than for the project which is less risky.The higher the discount rate, the more the expected cash flow is reduced. This gives an accurate picture of the true amount which can be practically realized as a return.This also helps in correctly comparing different projects so as to minimize the risk of making the wrong choice.Can help know how investment will affect the company’s value?Every move made by a company has an impact on the company’s overall value. If a company is expanding and the market indicates that this is a good move, the company’s value increases. If a company is involved in research and development and it announces a major breakthrough, its value will go up.On the other hand, if a company experiences a reduction in profits, its value goes down. If this happens for two consecutive years, stock prices get affected and investors may sell their shares.Something similar happens with new pro jects undertaken by companies. If it is a good move and it’s bound to increase their profits, the company’s total value goes up.In this case, the profitability index can help a company avoid getting into a situation which will affect its value. Since the index clearly points to the profitability of a project, it enables the decision-makers sustain their company’s economic status.Takes the time value of money into considerationThis is another big advantage of using the profitability index. Investors know that the value of money is not always the same over time.However, not many stock valuation and investment-analyzing techniques factor this in their calculations.Because of that, most individuals and companies only look at the expected rate of return.From this they cultivate the amount of money they will receive after the investment period is over.This happens even for long-term investments.The obvious danger in this is that the money will be received but its value will very lik ely be low. The money may not be able to do much.This means that the returns will actually be less than what they were expected to be.   The profitability index takes this into account and reduces the expected returns accordingly. This is done through the discount rate.This rate checks the risk factor of the investment.But at the same time, it looks into the approximate value of the money to be received in view of the time invested.As such, whereas other profitability formulas will tell you how much you can make, this one will tell you the same but give you a more accurate picture in terms of return value.Makes it easy to pick an investment projectWhen faced with multiple choices for an investment, this index will not only tell you which ones are worth considering but it also ranks them for you.Calculating the profitability index of various projects will give you their viability in straight figures.Just looking at these figures will help you decide which one to go for. You will lite rally know which is number 1, 2, 3 etc.Moreover, since you have access to the figures involved in terms of the expected yearly cash flows, you can decide which one is giving you the best returns.For example, you may be looking at projects A and B. Project A has a PI of 1.5 and over the span of 3 years, has expected cash flows of $115,000, $107,000 and $113,000. Project B on the other hand has a PI of 1.4 with expected cash flows of $235,000 in year one, $256,000 in year two and $248,000 in the third year.You will have to consider other factors playing out in your company’s decision-making process.With that, you might decide to choose project B which gives you more cash flow.The project might however be requiring a higher initial investment.DISADVANTAGES OF THE PROFITABILITY INDEXWith the above advantages, some disadvantages also exist.These are the limitations you will experience out of using the profitability index to assess investment projects.Some of these are discussed below.E stimated future cash flow cannot be guaranteedThe profitability index does a good job in analyzing the expected returns.Despite that, it cannot give a guarantee that those amounts it comes up with are what you will receive.Those figures remain to be estimates, albeit accurate estimates.It will thus be upon the company, or you who is working for it, to understand that the given figures could still change.The issue of estimated figures is common knowledge to investors although they still need to keep it in mind as they make their choices.Different projects can have the same PIPI is a great indicator of a projects profitability. But what happens when you have two or more projects with the same PI? Which one do you pick?This can happen when the calculations of the variables used in the formula match. For example, consider these two examples.Project A has an initial investment of $200,000 and the present value of future cash flow is $250,000. Project B has an initial investment of $400,0 00 with the present value of future cash flow being $500,000. Both these projects will have a PI of 1.25.Which one do you go for?This shows a shortcoming on this index’s side. If it cannot totally differentiate between options, then it might increase the difficulty of making a choice.In such a case, other considerations will have to be made.Cannot compare projects of different durationsIf you want to compare the profitability of projects which have different life spans, the profitability index would not be ideal.When projects run for a long time, their cash flow will provide some extra returns compared to those which run for a short time. Yet you might be able to only choose one project.This will pose a challenge and the PI of both projects may not be the best ratio to rely on.CONCLUSIONThe profitability index gives you an opportunity to determine the profitability of an investment. It helps you further by ranking the various projects you are considering, thus making it easier to choose one.As with other formulas though, it is necessary to remember that these formulas are just but guides.The real returns may vary.

Galileos Mathematical-Experimental Method Essay - 1857 Words

Gabriel Glasser Professor Damnjanovic December 3, 2012 The Unveiling of the Heavens In summer of 1609, Galileo Galilei (1564-1642) pointed his revolutionary astronomical telescope to the heavens under the starry Venetian sky; his greatly important observations unveiled the mysteries of universe and would end up changing the course of scientific thought forever. Galileo lived in an age where there was much status quo, when scientists and philosophers would accept scientific and religious doctrine that had stood for hundreds, if not thousands, of years instead of challenging the accepted knowledge in favor of intellectual progress. Galileo’s scientific methods lead to significant discoveries explaining key scientific laws, such as the†¦show more content†¦(Frova 41) Galileo’s confirmation of Copernican’s heliocentric theory explained through logical arguments and mathematical laws clearly the answers to these difficulties. Galileo’s observational discoveries in astronomy allowed for the basis to begin discrediting the old ideas in favor of a new understanding of the universe. The longstanding way of thought in astronomy favored a spherically rotating universe around the Earth with unchanging and perfectly symmetrical constellations and planets. The contemporaries of Galileo believed, for example, that the moon had the face of a shiny, polished sphere, whereas Galileo showed that the surface of the moon to be imperfect with rough mountainous areas along with deep valleys (or â€Å"seas† as he called them) marked with dark sports (Frova 162). This surface very much paralleled the rough surface of the Earth (meaning that Earth’s surface was not unique). Also with his improved telescope, Galileo was capable of viewing the stars with much more clarity. Galileo discovered newly formed stars and star clusters, which challenged the Aristotelian philosophy of an ageless universe. Additional ly, Galileo observed four of Jupiter’s largest moons orbiting around the planet (Frova 179). His observations of Jupiter’s satellites did not agree with the idea that all heavenly bodies must rotate around a central Earth. Finally, and arguably most important, Galileo showed Venus’s phases andShow MoreRelatedGalileo was the Greatest Innovator and Scientific Mind of his Time829 Words   |  3 Pagesphilosophers fly alone like eagles.†(Axelrod 9 ) . Galileo is one of the greatest scientific minds and innovators of his time. Many questioned his methods of discovery, reasons for why something was happening in experiments he conducted. Galileo’s reasoning is the focal point to his research and helps with the idea of understanding how he thought. Galileo’s inventions were the most innovative and advanced in his field at the time. Most importantly Galileo was just trying to find truth , â€Å"Galileo wasRead MoreGalileo1113 Words   |  5 Pagese xperiments to test his ideas, which led him to be regarded as the father of experimental science. Galileo was born on February 15th, 1564 in Pisa, and was the oldest of seven children. His father, Vincenzo Galilei was a famous composer, lutenist, and music theorist. In 1572 at the age of eight, Galileo’s family moved to Florence, however Galileo stayed behind in Pisa and lived with Muzio Tedaldi who was related to Galileo’s mother for 2 two years. By the age of ten, Galileo joined his family in FlorenceRead MoreGalileo Galilei, Astronomer/Mathematician5105 Words   |  21 Pagesof motion, and supporting Copernicanism effectively. He has been referred to as the father of modern astronomy, as the father of modern physics, and as father of science. 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As a result, the worlds first extended essay on physiological psychology was published only well after its authors death. Descarte was the first to talk about

Essay on Capital Punishment - An Appropriate Form of...

Since the early settlers first stepped foot on what is now the United States of America, capital punishment has been reserved as a form of punishment for the people who have committed some of society’s most heinous crimes. Recently, support of capital punishment has begun to erode due to the advancements of DNA technology and groups, such as the Innocence Project. Capital punishment, however, remains to be an appropriate form of punishment for someone convicted of capital crimes, and may be effective in deterring such offenses. In December, 1607, Captain George Kendall was the first known person to be executed in the territory, now known as the United States of America. Captain Kendall was shot by firing squad, accused of spying†¦show more content†¦According to the Innocence Project, there have been 173 exonerations due to eyewitness misidentification, 116 cases due to improper forensics, 51 cases due to false admissions, and 36 cases of unreliable informants. In addition, 17 people have been exonerated through DNA testing. Opponents note, that these people have spent a combined 187 years on death row for a crime they did not commit (2010). It is their stance that executions should be halted or at the very least, be sure that persons awaiting execution are allowed to prove their innocence. Although opponents of capital punishment have a valid point, these are just a small number of isolated cases, when compared to the number of inmates currently awaiting execution throughout the United States. Although it is true that the murder rate is higher in states that allow capital punishment, it is simply because there are more states that allow it, moreover, the population of these â€Å"death penalty† states exceeds the population of â€Å"non-death penalty states (2009). It is not difficult to imagine that the larger the population is, the greater probability exists for crimes to occur, including murder. 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Aristotle s theory of justice offers an outline for a system of justice, of which the death penalty for appropriate crimes is acceptable. His underlying assumptionRead MoreThe Case For Death Penalty1252 Words   |  6 Pagessomebody else’s life is simply immoral.† When considering the issue of capital punishment, many arguments are made in favor of proponents and abolitionists. There are utilitarian arguments, retributive arguments, and egalitarian arguments. Utilitarian arguments argue against the death penalty, for they look to punish criminals for the benefit and the â€Å"lesson learned† from the punishment. They believe that this is the most effective form of deterrence, because the criminal will learn their lesson and theRead MoreArgument Against The Death Penalty1247 Words   |  5 Pagessomebody else’s life is simply immoral.† When considering the issue of capital punishment, many arguments are made in favor of proponents and abolitionists. 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Additionally, it will explain how capital punishment in the fields of criminal justice and criminology impacts society, and those who surround these fields. Multiple publications that examine capital punishment will be analyzedRead MoreThe Debate over Capital Punishment Essay1025 Words   |  5 PagesThe Debate over Capital Punishment South Carolina, January 15, 1993. After wounding an Orangeburg, S.C. police officer with a misfired bullet, Thomas Treshawn Ivey, an Alabama prison escapee, proceeded to fired five more shots into the police officer from a handgun at close range after the wounded police office had reached for his gun. Ivey fled the scene but was quickly apprehended. This scenario is not to different from the horrible acts of violence that lead an offender to death row where

King Lear †Bbc Edition vs Laurence Olivier Free Essays

King Lear video comparison King Lear BBC vs. King Lear ft. Laurence Olivier In comparing the opening scenes of BBC and Laurence Olivier’s interpretation of Shakespeare’s King Lear, I believe that BBC’s interpretation is more engaging to the audience. We will write a custom essay sample on King Lear – Bbc Edition vs Laurence Olivier or any similar topic only for you Order Now There are qualities that Olivier’s King Lear has an edge on, but I do consider those as less important than other factors in play. The wardrobe and music of Olivier’s King Lear is much more extensive in comparison to BBC’s, but overall BBC’s King Lear does have better acting and camera angles. To many people, the music and wardrobe would come second to actor performance and filming. The camera angles and choice of location of both plays is important, but in Olivier’s it features mainly headshots in the opening of King Lear and close ups of the actors. Putting the actor in focus it makes a strong impression of each actor’s facial expression, but this does not allow for background acting from other actors. In BBC, just prior to Lear disowning Cordelia, Kent is seen in the centre of the screen shocked and befuddled; speechless. With the directing of Olivier’s King Lear, the camera usage does not allow for this. The setting used in Olivier’s interpretation was also unique as it appeared to take place in a Stonehenge-style location, but as special as it is, it does not support the atmosphere of the play. King Lear is sitting merely on a raised platform. Not what history would have portrayed for the throne of a King. Although Lear’s room appears to be wooden in BBC’s interpretation, it still seems to show more respect to Lear, just as what would have during the time period that they are portraying. Music in the background is something that BBC lacks compares to Olivier’s. The music in Olivier’s play matches the time period, and accompanies the entrance of the King and his royal subjects, giving Lear, his daughters, and sons-in-law the nobility they deserve. Actors in both plays deliver the script well, but in Olivier does not play out the role of a king and a father well. Olivier’s reaction to Cordelia saying nothing is too inert for someone with that ego. The delivery of the lines appears to be a chore for Olivier, rather than performing his lines with passion. In BBC’s version, Lear hesitates, and wonders for a short while before responding to Cordelia’s â€Å"nothing†, mimicking the contemplation that Lear would have undergone upon hearing nothing. Olivier dressed in vibrant colours along with his royal subjects give Olivier’s drama an edge. But the effect is not substantial enough to win over what appears to be rushed scenes with his play. With better actor delivery and camera angles, the opening scenes of BBC’s King Lear is much more effective at bring Shakespeare’s King Lear to life. How to cite King Lear – Bbc Edition vs Laurence Olivier, Essay examples

Just A Story Essays - Frank Sinatra, Grammy Legend Award

Just A Story Albert watched through the window of his fourth floor apartment as she unloaded the groceries from the back of her Oldsmobile. He sighed, and walked away from the window to water the plant he had named after her. If he hurried, he could make his way down to the mailbox while she was on her way into the building, as he thought about doing every Wednesday when she did her grocery shopping, but the thought of speaking to her made him nauseous and his knees quivered uncontrollably. Tonight was going to be the night, he told himself. He was going to ask her to dinner. He would just walk up the stairs and ring her doorbell, and bring her daisies. Just before eight o'clock, because he knew she would be home. She was always home for the latest episode of Murder, She Wrote, as he knew because he could hear the theme song blaring through his paper-thin ceiling, every Wednesday at eight o'clock. He ironed his khakis in an attempt to look just perfect for the occasion, and ran a comb through the non-existing hair on his head. He could hear her walking up the stairs, and Albert imagined her popping popcorn for her favorite television show, and washing up from a long day at the coffee shop. He had never actually been inside the coffee shop, but instead watched her work from outside the large window. He watched all the other customers inside ? construction workers on lunch breaks, businessmen sitting alone with the New York Times, and the ladies who play Bridge and flaunt their new manicures ? all sipping cappuccinos that she had poured, and devouring French Toast that she had gracefully carried to the table. Tonight was his chance to speak to her like the men who drink her coffee, only this would be different. After all, he had even picked her daisies. He trembled just thinking about it, and thought diligently about how he should introduce himself. He walked into his bedroom to search through his closet for the perfect shirt to wear when eight o'clock approached. As the sun begin to set, Albert could hear Frank Sinatra playing from her apartment above and attempted to calm his nerves by staring out the window as the stars appeared in the sky. Maybe he would bake cookies for her to waste a little bit of time ? chocolate chip, like the ones he had smelled burning from her apartment the other day. He poured flour into a bowl and sang along with Sinatra. He stirred a bag of chocolate chips into the bowl to the rhythm of the music and thought about how happy she'd be. He cracked an egg into the bowl and suddenly, he no longer heard the music or footsteps from above. As he continued to stare out the window, he noticed two figures linking arms as they walked through the parking lot. His eyes widened and he suddenly realized why the music had stopped playing. There she was, in the parking lot, with a man in a suit, and she in a blue dress with her long hair pinned up in the back. They began to tango under the stars, among the cars in the lot, and the man produced a red rose from his jacket pocket. Albert looked at the daisies he had picked just for her, and wiped a tear from his cheek. He continued to gaze out the window as they proceeded to dance in the silence of the night, and paid no attention to the egg yolk that dripped down his newly ironed khakis. Creative Writing