The Dave Ramsey plan advice has changed my life by showing me what is a true financial plan.Having a written financial plan gives you a measurable goal to work toward. Because you can track your progress, you can reduce doubt or uncertainty about your decisions and make adjustments to help overcome obstacles that could derail you. Dave Ramsey is a guy who, through personal experience, was able to get out of debt and find financial peace of mind. More than 25 years ago, Dave Ramsey fought his way out of bankruptcy and millions of dollars of debt. He took what he learned and started teaching people God's and Grandma's ways of handling money. Since then, Financial Peace University has helped nearly 10 million people take control of their money for good. One personal finance lesson that I find important is Dave Ramsey's 7 Budgeting Baby Steps. Step 1- start an emergency fund, step 2 -focus on debts, step 3-complete your emergency fund, step 4- save for retirement, step 5- save for college funds, step 6- pay off your house, and step 7- build wealth. One of the main reasons people struggle with money is because necessary emergency expenses (like medical bills, car bills, or home repairs) come out of nowhere and drag you deeper and deeper into debt. The snowball method that Dave Ramsey refers to here means that you start by paying off small debts first and work your way up to the bigger debts. Debts can include paying off your car, credit card debts, and student loans. Now that you've gotten all your debts out of the way, it's time to finish your emergency fund. After your debts are gone and your emergency fund is taken care of, it's time to start seeing to other important savings like retirement. Dave Ramsey recommends you take 15% of your gross monthly income and put it toward a retirement fund each month.If you can pay for your kid's college tuition then you'll ensure their financial security in the future, as they'll better be able to stay out of debt. Put all the extra monthly income you have into your mortgage so you can finish paying it off early. Lastly, now you are officially in charge of your money rather than it being in charge of you. Finally, one day I will be able to follow all of the steps in my life journey and grow financially as a person.

I used to think I could not communicate effectively in writing and reading. I was not the best English student growing up. As a child, I needed extra tutoring in English. When I was in the 5th grade in a summer enrichment program called REACH, one of my teachers said that I was not being expansive in my writing and that it could be improved. I saw all of this feedback in red ink and screamed with fear. I thought my writing was worthless and didn't care. I was also naïve and thought engineers in college only do math and science, and writing was pointless. Next, I am in high school, and I struggle with writing and reading these difficult books more because of my lousy foundation in English. I was in a ninth-grade honors English class; the teacher was a previous lawyer and a harsh grader. I barely survived his class, and he would not recommend me for the following year's honors English class. I was mad, so I practiced more and found a way to get recommended for honors without his help. By the time I got to my senior year of high school, I had taken his senior AP English class, and the teacher thought I would fail the class. However, he noticed I had significantly improved in English. Fast forward to college, I found out engineers need to know how to write technical reports. I had one more challenge sophomore year of college when a professor said I am not communicating well in these reports. To improve, I decided to work as an intern at a criminal law office in the summer. Finally, after that summer, I changed my perspective on my previous English skills and now have a growth mindset instead of a fixed one.

My favorite scientific discovery is measuring light intensity patterns from single and double slits is essential to understanding the concept of interference and diffraction. Interference and diffraction are characteristic phenomena of waves, ranging from water waves to electromagnetic waves such as light. Interference refers to the phenomenon of when two waves of the same kind overlap to give an alternating spatial variation of large and small wave amplitude. Diffraction refers to the phenomenon of when a wave passes through an aperture or goes around an object, different parts of the wave can interfere and give rise to a spatial alternation of large and small amplitude.Thomas Young’s double-slit experiment was performed in 1801. Young had first read Newton’s Opticks in 1790 at age 17 and had admired Newton’s work. By 1800 Young saw some problems with Newton’s corpuscular theory.The experiment demonstrates the wave nature of light. In this experiment, monochromatic light is shone on two narrow slits.The waves, after passing through each slit, superimpose to give an alternate bright and dark distribution on a distant screen. All the bright fringes have the same intensity and width. In a single slit experiment, monochromatic light is passed through one slit of finite width and a similar pattern is observed on the screen. Unlike the double-slit diffraction pattern, the width and intensity in single slit diffraction pattern reduce as we move away from the central maximum. The distance between the bright and dark fringe increases when the position increases. I learned that the distance between the bright and dark fringe increases when the position increases. Overall, fringe distances are thinner as the slit separation increases. Finally, the experiment is famous for demonstrating the principle of interference and diffraction.

Dave Ramsey is a guy who, through personal experience, was able to get out of debt and find financial peace of mind. One personal finance lesson that I find important is Dave Ramsey's 7 Budgeting Baby Steps. Step 1- start an emergency fund, step 2 -focus on debts, step 3-complete your emergency fund, step 4- save for retirement, step 5- save for college funds, step 6- pay off your house, and step 7- build wealth. One of the main reasons people struggle with money is because necessary emergency expenses (like medical bills, car bills, or home repairs) come out of nowhere and drag you deeper and deeper into debt. The snowball method that Dave Ramsey refers to here means that you start by paying off small debts first and work your way up to the bigger debts. Debts can include paying off your car, credit card debts, and student loans. Now that you've gotten all your debts out of the way, it's time to finish your emergency fund. After your debts are gone and your emergency fund is taken care of, it's time to start seeing to other important savings like retirement. Dave Ramsey recommends you take 15% of your gross monthly income and put it toward a retirement fund each month.If you can pay for your kid's college tuition then you'll ensure their financial security in the future, as they'll better be able to stay out of debt. Put all the extra monthly income you have into your mortgage so you can finish paying it off early. Lastly, now you are officially in charge of your money rather than it being in charge of you. Finally, one day I will be able to follow all of the steps in my life journey and grow financially as a person.

Personally, I stayed optimistic by watching a tv show as a child growing up called Code Lyoko. Code Lyoko is a science fiction, action and comedy series that follows four boarding school students enrolled at Kadic Academy: Odd, Ulrich, Yumi, and Jeremie, who discover an artificial intelligence unit, Aelita, who is the sole inhabitant of a digital world known as Lyoko. The Supercomputer that houses Lyoko is also inhabited by an evil program called X.A.N.A., which plots for reasons unknown on destroying all humans on Earth. I watched this show when I have terrible grades, failed at a project, and when having a hard time solving a family member's technological problems. The show gave me a sense of hope, and optimism and had an impact on my career choice. This show gave me hope because it shows that in life, you will have problems and that there will not always be a clear answer to a specific situation. Even though the show had a malicious program called X.A.N.A. and would win sometimes, it showed me that the world could have evil characters. In addition , the four students in this show always were optimistic and used their problem-solving skills to overcome challenges and obstacles they faced. Reminiscing this malicious program represents situations where you cannot win or solve the problem, but it will be okay in the end. Furthermore, one of the main protagonists, Jeremie, I related that character to myself. Despite his young age, Jeremie is a scientific genius, possessing a gifted and talented mind far beyond his years. I thought growing up I would be a software developer and use engineering code to solve the world's problems. Finally, the characters' struggles felt relatable to my life, teaching me to push through always to achieve my goals!

My favorite book is Rich Dad Poor Dad by Robert Kiyosaki and Sharon Lechter. It taught me to have a business mindset and that being poor is in your mind, and that you need to buy assets and not liabilities. I also understand the rich dad and poor dad mindset when thinking about money. Rich Dad Poor Dad is about Robert Kiyosaki and his two dads—his real father (poor dad) and the father of his best friend (rich dad)—and the ways in which both men shaped his thoughts about money and investing. For instance, poor dad's perspective of money is evil, while rich dad's perspective is good. Poor dad's focus is to gain good scholastic grades and academic performance and land a secure job, while rich dad's focus is to gain financial freedom to make money working for you which is opposite of what poor dad believed. In addition, the author of the book presents six major lessons which he discusses throughout the book: the rich don't work for money, the importance of financial literacy, minding your own business, taxes and corporations, the rich invent money, and the need to work to learn and not to work for money. One theme that's apparent in this book is that for an individual to be wealthy, he must aim to own the system or means of production rather than work for another individual. The author stresses that there is obviously something confining about being an employee; it shuts the mind to other possibilities, and it stunts initiative. After reading this book, it made me start my own Limited Liability Company. Finally, this book helped me create a youtube channel business, have a Shopify dropshipping store, I invest in my education and self, and I save my money. My Youtube channel: https://www.youtube.com/channel/UC1ijK4EKr85AiVHqYWXb0Sw

Your legacy is in your actions and what people remember. Many think one's legacy, is some monetary or wonderful gift one leaves those they love or people they know. But I am here to tell you, that it's not your legacy, your legacy is in what is remembered about you, and what you leave behind in people’s memories and actions. Be it positive or negative, each lesson you teach is your legacy. Every day you work and speak and give motivation is your legacy. When you mentor, fall short, and get back up, it is all a part of your legacy. See all those actions, which are knowable and unknowingly watched, become a part of every individual that crosses your path. A legacy passed down through generation after generation. Legacy is important in letting people know the kind of life that one lived. A legacy is mostly determined after a person has died as they get to ascertain the overall benefit they had towards the society and how they affected those around them . In addition, legacy is a reputation that is left behind by a person which is likely to affect his or her generation and those close. Legacy is determined by how a person lived in his or her life which will become the basis on which he or will be remembered. It is hoped that as a person goes through life, they make decisions that not will only affect their lives but also the lives of those who are close to them. In most cases, legacy sets a foundation that will affect subsequent generations. Legacy can hence have both positive and negative impacts depending on how they impact people. Legacy is also a determining factor in how the affected parties will leave their life after the death of their master. It is usually a challenge for them to either perform better than their predecessor or maintain what they had established. Those that had to suffer the consequences of a negative legacy are obliged to work harder so that they change things for the better. Those who had the privilege of inheriting a good legacy, have the challenge of walking in the same shoes and even performing better. In both cases, there is always a need to work hard, realizing that even though the legacy of those long gone has already been determined, they have a role to play in creating their own. My family has instilled in me to be patient and work hard to build the best life for myself and others. My upbringing has impacted my path in life by showing me that there are only two paths in life the broad and the narrow path. In the bible, it states: " Enter through the narrow gate. For wide is the gate and broad is the road that leads to destruction, and many enter through it". I have watched many people in my family, friends, and acquaintances go through the board path in my life and I see that they struggled with money, relationships, and work. I have lost a lot of people on my journey through the engineering school path but know it will be worth it in the end to fulfill my legacy. I fight every day to reach my goals knowing I only have 6 classes left for my bachelor's degree. I am going to tell my story and testimony because it was not easy to get to this position but I am here. Finally, my legacy will be to change the world with my career and my youtube channel business: https://www.youtube.com/channel/UC1ijK4EKr85AiVHqYWXb0Sw.

I have always needed to get my feelings out with my counselor. I have been dealing with my emotions and my mental health journey since I was twelve years old when my parents filed their first divorce back in 2012. They divorced the first time since my mom was struggling with her own mental health problems. Plus, I saw my mom slap my dad, and telling him to get out of the house traumatized me as a child. I cried and could not sleep because my dad's and mom's family were fighting over who would ultimately raise me. I then went back into counseling in high school because my Mom and Dad tried to fix their marriage and ended up back in court to only divorce a second time because my dad couldn't keep a job. I could understand her only years later why because after the first divorce, we had already lost the house we the three of us lived in . In addition, my mom insisted that she did not like our family since my dad would leave his job because of his drug addiction and could not support our family effectively. Next, by the time high school is over, I am in counseling in college because of the pressure to do well despite my complex family issues and demanding coursework. To make a long story short, I have been through a house fire, a tree falling on my house, losing a girlfriend, having a close friend die in high school, my car breaking down, and being the last one in my engineering program in 2017, a pandemic, and losing a job because of a pandemic.I have been through a lot that people don't respect or give me enough credit. I have even had a person say, " All you do is go to school, and what do you have to worry about." I have a lot of trauma in my life where I have cried and could not go to sleep or even lose weight because of my mental health issues. I even had a day where my doctor's medical assistant took my blood pressure back in 2021 and it did not look good at all. Despite my dangerous blood pressure, I am still living, and back to normal health. I don't care what you think of me and the end of the day because God has me. God decides what happens in my life, and I follow the straight and narrow path that he has planned for me. Because of my strong faith in him, I know that I will make it through. I hope one day I will be able to change someone's life in what I have already seen in my short life and what is more to come. I have even lost "friends and relationships " in my journey and know that it is fine. I have all the tools to succeed despite the challenges and mental health battles I have been through because it won't stop my overall mission. Despite having bad days, I take melatonin and Tylenol PM to just sleep some days, I keep fighting for whatever is going to come my way in life! Especially since the years 2020 and 2021, that God made me go through with the pandemic and a tree falling on our house. Those two years have taught me to pray more , and I wear my cross to remind me not to be anxious and not let the enemy win because he came to kill, steal, and destroy. Currently, I am working with a new counselor that understands my complicated life. He also, understands my life is crazy but knows I am very resilient and does not know how I keeping going forward despite my unique circumstances. One day, people are gonna finally know my complete story and journey. I am also going to speak it into existence that, " I will win a scholarship on bold.org before the end of the year 2022". Lastly, I will become an engineer and YouTuber once I get enough money to finish my formal education at Baldwin Wallace University.

Speech Format: Organizational This speech is to commemorate Alec Kornet. Introduction Who is Alec Kornet? He was my friend for three years before he passed away in 2017. Today, to commemorate his life, I will show his hard work and dedication during the short time in knowing him. Through his actions in life, many people looked up to him since he played a vital role in the impact of others. I will show how he affected my life and others on how he changed attitudes towards specific events. Alec helped many peers of mind by providing guidance and advice during specific situations. In this speech, I will explore the accomplishments, memories, and words about Alec as a person. Transition: We begin the journey of his life from the perspective of high school. Body I. Alec and I were in a band together, where we spent most of our time during and after school. Alec would often tap off four beats to set the tempo of the songs for the marching band. A. Since he was one of the top snare drummers, the band director, gave him this leadership position. His leadership position inspired others to be on the snare line even though they played different instruments. He advised our percussion friend group on how to play different rhythms and snare rudiments as a leader. B. In addition, I was one of the few people he gave specific advice on how to be on the snare line leading up to auditions. Overall, Alec, at this moment, showed us anyone with hard work and resilience could overcome any obstacle between a goal. As a result, with his coaching, I became a snare drummer that year. Transition: Next, Alec showed his friends how to be role models inside and outside the classroom. II. As we continue our journey with Alec, he played a key role with his friends and in sports teams. A. Alec was ambitious when it came to school. With his friends, he would encourage them to do better in school. When it came to inside the classroom, Alec would provide advice to friends in Spanish that were not doing as well. He would usually take time before or after class to help people stuck on hard homework questions in class. B. His attitude with his friend group would translate to outside the class because most of them were in sports together. If he found out some people were slacking at school, he would motivate his peers to get better grades for sports eligibility. To convey his message to his friends as a team captain, he would make hockey, soccer, and baseball speeches about how to overcome struggles in life. Transition: Furthermore, he would get awards and high marks, which enabled him to achieve success. III. Alec was an honor student that won multiple awards. This award was called The Scholar-Athlete Award. This award is only given by the Western Reserve Conference for our school and is based on a semester GPA of 3.5 or higher. A. He was also inducted into our high school’s Junior Hall of Fame because he was ranked in the top 25 of his class. B. With all these achievements, he set the bar for what his friends could achieve. Through his success, Alec touched many of his friends’ lives. Transition: Alec’s attitude during high school has changed how his friends view life. Conclusion Many people, after he passed away, did things we never thought. He influenced most of us to do a new sport; people that were struggling in school got better grades and developed compassion for others. As an example, I joined my senior year of high school, won The Scholar-Athlete Award, and won a scholarship. During this speech, I explored the accomplishments, memories, and words about Alec as a person. Even though he has passed, people still mention his name and to this day and have the drive and ambition as he reflected in his life. Moreover, this loss of a close friend has me "fighting " every day to achieve my Engineering degree. I want to keep going no matter who I lose in life, which drives me to keep going. Alec has a deep impact on my life and motivates me in many ways, and I know he wants me to keep working hard out here and wants me to grow as a person each day. Finally, I will close by saying Alec’s quote after games, “Once a team, always a family.” Youtube speech. video link: https://www.youtube.com/watch?v=YtpRJ5Xwfoc

This is when I achieved something amazing as a college freshman. I worked as a summer civil engineer intern back in 2018. I Managed a new summer intern provided transportation to job site locations and helped with new employment forms and documenting reports. Performed support functions, including record keeping, maintained accurate data of work performed, organized materials, and compiled information to assist in report preparation. Engaged in a variety of duties directly related to engineering. The internship provided practical experience and useful information to supplement my education and provided meaningful preparation for future professional employment.

I chose Engineering-(General) as a major because of my father and cousin David. I am known at Baldwin Wallace University as a scholar in an article called, Engineering Freshman Wins ODOT Scholarship, Paid Summer Internship. This article states, "Bradley was drawn to BW when he learned of the university's newly-established engineering program. He cites his father, a veteran Air Force engineering technician, as his inspiration." Tinkering with my dad on the weekends made me want to learn about how things work and what makes them tick," he said. Bradley, who aspires to become a mechanical engineer, is motivated by a desire to make life easier for others. "Engineers are problem solvers. They use math and science to fix issues in real life," he said. In addition, I am fortunate to have a member of my family who is in the engineering field. I interviewed my cousin, David Amos. We are first cousins; his mother and my dad are siblings. During high school, David participated in track and field. He ran the 100 meter, 200 meter, and 4x100 meter relays. His favorite Olympic moment is watching all things track, especially the sprinting events. David attended the University of Cincinnati from 2001-2009. He began as a Mechanical Engineering major in the College of Engineering. He transferred to the College of Applied Science in his sophomore year, majoring in Mechanical Engineering Technology. He received his Bachelor of Science degree in 2009. David transferred programs because of the heavy calculus-based classes, which did not suit him. In this interview, I learned that an engineering degree is a great degree to have because it can lead you to a wide variety of careers. It is a tough major, but in the end, it is very rewarding. I found out that math and science are not always used in David’s line of work and he has not used calculus since college. In closing, it would be very valuable to learn more details about the projects David manages, especially since the one project he shared with me about trucks helped me to see how engineering can be used to solve a customer problem. I intend to stay in contact with David during my time in undergraduate school and I plan to find out if his company has summer internships. I shared part of this interview for this scholarship because it was one of my first writing assignments as a freshman for Introduction to Engineering 101 that I received a 91%. Furthermore, a mentor once told me, "Keep your drive, it will carry you far in your life and career, and most importantly be the best "You," and know that you have a place to shine in this world." I am writing to seek the Impact Scholarship for Black Students to help pay for my college education during these unprecedented times due to the global pandemic. I had to take classes at Tri-c during the fall semester of 2020 because I was unemployed. I reduced the number of classes I was taking to half time of 8 credit hours due to recent hardships. I recently got credit for Calculus III and General Chemistry II by getting a 4.0 semester GPA at Tri-C. Once my credits transfer I will be back to the full-time status of 12 credit hours back at Baldwin Wallace University in the spring semester of 2021. At Baldwin Wallace, currently, I am a junior and one of the remaining two engineers in my freshman 2017 cohort and expect to graduate in 2022. Overall, my goal for my career is to become a Director of the Engineering Department for a company. I am preparing myself to get this role by improving my skills in managing people and budgets on my resume. Finally, I want to work at a big tech company like Tesla or Amazon right out of college.