English 8, Lesson 61 – Is Most of What People Buy Totally Unnecessary?

Nowadays, there are services that will deliver things right to your doorstep 24 hours after you placed in the order.  With this convenience, wouldn’t you want to buy something every day?  But do most people buy unnecessary things?

The answer to that is: yes.  When I mean yes, I am talking about those fancy kitchen gadgets your Mom bought off of amazon.  Or the useless facial products your older sister bought.  Most of the time people see a gadget that they “swear” they will use.  But when it comes, it either does not look like what the ad advertised it to be, or you only use it a couple times then forget about it.  Sometimes people buy essential things like groceries or school supplies.  But most of the time people get baited by “cool” looking items that we will never use.  One of the most common traps are cheap items that look useful but will probably break immediately because it was $1.  I think that many people do not have good self-control, and buy unnecessary things all the time, so the majority of what they buy is useless junk. 

When you are online shopping, or shopping in a store, do not buy anything that you do not need.  Always stick to the list that you brought, or if you want to buy something that is not on your list name ten reasons why you need the item.

Thanks for reading!

Personal Finance 8, Lesson 65 – My Business Idea

This week I learned about possible business ideas that I could do to have a stable income.  I have looked through possible, cliché ideas, but most of them seem unrealistic with my schedule or impossible because of where I live.  After thinking for a couple days I have come up with a few ideas on how to get a stable income.

I have thought about possible jobs or businesses I could do when I was a little kid.  I always settled on babysitting as a preteen, and getting an internship in high school.   But that was before Covid, and when I lived in America.  In Singapore (where I live), most people have live in maids, so babysitters are not really a thing.  And since I am only 12, it is illegal for me to work, which means no internship. 

But just because I cannot do regular jobs that teenagers do does not mean that it is impossible for me to start a business.  For 8th grade Science, I have been learning how to code on Khan Academy.  My Dad suggested that I start posting my coding projects on GitHub (an online hub where coders post their projects).  I already know JavaScript, HTML, SQL, and I am learning how to animate.  Now that it is 2020, there are tons of possible coding opportunities online that I can find. 

I am also considering blogging.  I do not have a very exciting life, but I could start a story blog, I have a ton of stories to tell, I just need to find the time to write them down.  Or I could self-publish my own book and put it up on Amazon for $20.

I am also thinking about creating a game in Roblox.  I know that it sounds strange, but in Roblox you can make you own games.  If a player purchases something in the game using Robux (Roblox currency), the creator gets money.  This may not be a stable income and probably will not get me any money, but it would be fun to get money from one of my favorite games. 

As you can see, I have quite a few ideas.  If I get more information on GitHub or publishing my own books I am sure I can start my own business and make some money.  What kind of business would you start as a teenager?

Thanks for reading!

History 8, Chinese History – The Ming and Early Qing

In this essay I am going to write a summary of the Ming Dynasty and the early Qing Dynasty, which happened between 1368 CE – 1806 CE.  This essay is based on the fourth chapter of the book, “History of China” by J.A.G. Roberts, Third Edition, 2011.

The Ming Dynasty (1368 CE – 1644 CE)

The Ming Dynasty was founded by Zhu Yuanzhang (also known as Hongwu).  Zhu Yuanzhang was a part of a cult known as the Red Turbans.  Being the orphan he was, the Red Turbans took him in and raised him in their ways.  When the leader of the Red Turbans drowned in 1367, Zhu Yuanzhang started the Ming Dynasty and took the name Hongwu.

Hongwu’s first mission as emperor was to take over the rest of China, starting with Dadu (the old Yuan capital, which is in modern day Beijing).  Once captured, Dadu was renamed Beiping, which meant “the north is pacified”.  One of the biggest threats to the Ming Dynasty at the time was Koko Temur (he was an independent military leader).  In 1372, Hongwu sent a large military force to attack Koko Temur.   The army was able to follow Temur into Mongolia and did heavy damage to him, but he recovered fast.  It was only in 1375, when Koko Temur died, that the Mongolian threat declined.  In 1377 CE, Hongwu persuaded the Korean state, Koryo, to abandon its loyalty to the Yuan and to recognize the Ming as the new, powerful dynasty.  Tibet also refused to abandon their loyalty to the Yuan, and Hongwu had to “persuade” the Tibet with force in 1379.

Even though Hongwu claimed that we was reinstalling the practices of the Song and Tang dynasties, his ruling was based off of the Mongol way of ruling.

Before the end of Hongwu’s reign in 1380, he started to stress the importance of education, examinations, and tried to reform the tax system.

In 1380, Hu Weiyong, a chancellor close to Hongwu, committed treason and was put to death.  Enraged, Hongwu abolished the office of chancellor, the Secretariat Chancellery, and the authority of military commission.  Hongwu also did a massive purge which killed 30,000 of his followers.

Hongwu was succeeded by his grandson, Emperor Jianwen (reigned 1399   – 1402).  Jianwen only ruled for three years, and did not have time to do much.  He was killed in a palace fire in 1402, and his uncle, Emperor Yongle (reigned 1403   – 1424), took the throne.

When Emperor Yongle gained the throne he restored parts of the government that were in use under Hongwu.  Yongle replaced the Secretariat-Chancellery, which Hongwu abolished.  Yongle also moved the capital from Nanjing (a city in the Jiangsu province), to Beijing, so he could have closer control over northern military forces.  The building of the new capital started in 1406 and was completed in 1417.  From that point onwards Yongle lived there.

During Yongle’s reign, a Mongol ruler known as Tamerlane was at power.  Tamerlane had acquired an extensive Central Asian empire and was heading for China in, but died in 1404 before he could reach China.  Later on, Mongol tribes known as the Tatar and Oirat became a threat.  From 1410 – 1424, Yongle led five expeditions to try and suppress them.  Even though the records from his time state that these expeditions were successful, they were expensive and did not fully suppress the Mongol threat.

Before his death, Yongle would send out soldiers on voyages from, this program started in 1405 and end in 1421.  It is said that the purpose of these voyages was to find the Jianwen emperor who was rumored to have escaped the palace fire disguised as a monk, this theory is not supported by evidence and is most likely false.  The ships built for these voyages were possibly the biggest wooden ships ever made.  After Yongle’s death one last fleet was sent out before the whole project ended.  The voyages were no longer needed and were very expensive.  Because the Ming stopped this project China’s head on the knowledge of the ocean were overtaken by the Portuguese.

The reign of Emperor Yongle was the first and last period of expansion for the Ming Dynasty.  Later emperors focused more on defensive tactics, rather than expansion.  In the 1440s the Oirat tribe was united by their leader, Esen.  The Oirat were conquering Chinese territories and were heading for the Ming.   In 1448, the Ming decided to lead an attack on the Oirat.  This force was head by the Chief Eunuch, Wang Zhen.  The Ming force was ambushed by the Oirat at Tumu (a town 70 miles north west of Beijing), which led to the capture of Emperor Zhengtong (the emperor at the time), and the death of Wang Zhen.

The court did not let the Oirat have power over them by keeping their emperor hostage and gave the throne to Zhengtong’s half-brother, Jingtai.  Once Zhengtong was released by the Oirat he became Jingtai’s enemy and created a coup.  In 1457 Zhengtong dethroned his brother, taking back the throne for himself.  After regaining the throne Zhengtong realized that he did not have the power to control the steppes where the Mongols came from and started construction The Great Wall of China in 1474.

During the reign of Emperor Jiajing (reigned from 1522 – 1566), a new threat emerged, a Mongol group led by Altan Khan (a political leader of the Tumed Mongols), were raiding Chinese territory to gain supplies to fight the Oirat.  In 1550, Altan Khan lay siege to Beijing and pillaged the suburbs around Beijing.  The raids continued until 1571 when the Chinese made a peace treaty with Altan.  Despite the treaty, China’s weakness was exposed and its northern borders were always threatened by the Mongols until the end of the 1700s.

In the 1550s, raiding parties were being set up by the coast of Zhenjiang (an eastern province in China).  In 1554, Songjiang (a district in Shanghai), the central of the cotton industry, was attacked.  Qi Jiguang, a Chinese commander, made a volunteer force and attacked the raiders mercilessly.  It was only in 1567, when the ban on Chinese involvement in foreign trading was withdrawn, was there finally peace. 

Historians have said that there were many things that contributed to the end of the Ming Dynasty, one of them being the successional cycle.  The Jiajing Emperor (reigned from 1522 – 1566), was obsessed with Daoism and finding “elixirs of immortality.”  This eventually led to his death by poisoning.  The Wanli Emperor (reigned from 1573 – 1620), was more promising.  He improved the efficiency of the government and the financial administration.  Wanli was followed by Tianqi (1621 – 1627), who was seen as an incompetent ruler.  The throne then went to eunuch dictator Wei Zhongxian and the Chongzhen emperor (reigned from 1628 – 1645).

Another thing that may have contributed to the end of the Ming was the severe weather conditions and the failing economy.  During the late Ming period, specifically 1626  – 1640, China experienced unusually severe weather.  The temperatures were low, and there were droughts and floods.  The population declined or idled.  The Chinese economy was also being held by imported silver which payed for Chinese exports.  But the Europeans had a trade depression in the 1620s, and trade with Philippines and Japan were interrupted in the 1640s.  The silver imports reduced greatly, the silk industry was injured, and the prices of grain rose.

But one of the main reasons for the end of the Ming was the rebellions.  Historian, James W. Tong, has said that the reason rebellions started was because the government lessened their hold on the people, this made people feel like they could do whatever they wanted.

The rebellions almost completely ended in the late 1630s, when the Manchu raids diverted the government’s attention.  The two leaders of the rebellions, Li Zicheng in the Henan province, and Zhang Xianzhong, in the Sichuan province, started to show interest in politics.  In 1644, Li Zicheng declared the start of a new dynasty and attacked Beijing.  On April 24 1644, Li Zicheng marched on Beijing.  That night the Ming emperor hanged himself.

The Qing Dynasty (1636 CE – 1912 CE)

The Qing dynasty was started by the Manchus, descendants of the Jurchen tribe (who founded the Jin dynasty.  I wrote an essay about them).  The Manchus lived up in the Changbai mountains, east of the Jilin province.  They were known as Changbai Jurchens before adopting the name Manchu in 1635.

The transformation of the Changbai Jurchen to the Manchu state was all because of Nurhaci, a Jurchen chieftain.  Nurhaci united all of the Jurchen tribes and formed relationships with the Chinese.  The Wanli emperor gave Nurhaci a title in 1589, and led a tribute mission to Beijing.  In the 1590s, Nurhaci traded ginseng and horses, which earned him a high profit.  He also started to organize the Manchu population, which formed the “destructive cavalry forces of the Manchus.”[i]

By 1603, Nurhaci rise to power scared the Chinese, who then made borders between Chinese land and Jurchen land.  Nurhaci then started to change his style of bureaucracy, which transformed the Jurchen tribes into the Manchus. 

In 1616, Nurhaci seized Fushun (a city in China), and awarded the Chinese commander of the town a high military rank and wed him to his granddaughter.  By 1621, Nurhaci controlled all of Liaodong (a Chinese province) and was trying to convince Chinese officials to join his side.

The Manchu advancement paused for eight years.  During that time many Chinese official families joined the Manchus, but some were treated poorly and tried to poison the Manchus food and drinks.  In 1625, the Chinese revolted against the Manchus and Nurhaci decided to not rely on the Chinese anymore.  Meanwhile, the Chinese were improving their firearms near The Great Wall.  But so were the Manchus.

When Nurhaci died in 1626, the Chinese attempted to talk peace with the new Manchu leader, Hung Taiji.  In 1629, Hung Taiji led a raid through The Great Wall, capturing four Chinese cities and reaching the walls of Beijing.  This was the raid that ended the Ming dynasty and sparked the biggest internal rebellion.  By 1631 the Manchus were engineering and manufacturing big, European-type cannons, which were to be used against the Ming.

Taiji defeated the Chaha Mongols and claimed the succession to Genghis Khan and the Yuan dynasty in 1635.  Three years later he sent forced to the Korea Yi dynasty and forced them to pay tribute to the Manchu.

Taiji knew that if he wanted to suppress the Chinese, force would not be the way.  So he started to adopt certain Chinese ways of ruling.  But by the mid-1630s, Taiji became tired of the excessive Chinese influence and started to enforce Manchu traditions and values again.

When Hung Taiji died in 1643, his throne went to his five year old son, with his uncles, Dorgon and Jirgalang, as his regents.  The first decision the regents had to make was if they should follow Hung Taiji’s policy, which followed tradition of raiding China while staying in their homelands.  But Dorgon wanted power and decided to ignore the policy and went to occupy China.

Li Zicheng’s forces were still occupying Beijing when Dorgon invaded China.  But the Manchus were quick to get rid of Li and his forces.  The Ming tried to negotiate a peace with the Manchus, but they refused and attacked the Yangzi provinces, this action sparked a battle between the Ming and the Manchus.

The Ming were going to surrender, until they heard news that the Manchu wanted all men to wear their hair the Manchu way (shaved at the front and long braid in the back), the Chinese unified and rebelled.  This small rebellion did not make the Manchus disappear and in 1645, the Ming capital fell to the Manchus.  The last Ming emperor tried to flee to Burma (modern day Myanmar), but was captured and killed.

After defeating the Ming the Manchu had to find a way to lead without creating too much tension between the Chinese people and the Manchus.  The Manchus made funeral arrangements for the last Ming emperor and let Chinese officials continue in their ranks alongside Manchu appointees.  The Manchus also lessened the taxes.  But the Manchus still favored their people.  Chinese people would live in lower class areas, while the Manchu people and other Chinese who accepted the Manchus long before the invasion would live in upper class areas.

By now Taiji’s son, now the Shunzi emperor, was old enough to participate in government affairs, but soon died in 1661.  Shunzi admitted to favoring the Chinese in his rulings and let Buddhist monks influence him.  His will stated that his seven year old son, who will reign as the Kangxi emperor, was to be his successor and that there would be four regents to exercise the power of emperor until his son came of age.  These four regents were known as the Oboi, and held power until 1669.  They tried to reverse Shunzi’s biased ruling and reassert Manchu power.

When Kangxi came of age to rule he charged Oboi and many of his supporters with treason.

Emperor Kangxi reigned for 61 years (1661   – 1722).  During the last 40 years of his reign the Qing dynasty was accepted as a legitimate Chinese dynasty.  This was because of Kangxi “committing himself whole-heartedly to the business of being a Chinese emperor.”[ii]  Kangxi would visit his people and hear their complaints and problems and did his best to fix them.

During the 1650s, the Russians were expanding and coming very close to Manchu territory.  At the time, the Qing dynasty could not drive out the Russians, but in 1685 Kangxi decided that it was time to drive out the Russians.  Kangxi ordered an attack on Albazin (a Russian town near the Amur River).  Knowing that the Russians could ally with the Zunghar (a western branch of Mongols), Kangxi immediately set up a treaty with Russia in 1689.  It was known as the Treaty of Nerchinsk.

One of the innovations during Kangxi’s reign was the ‘palace memorial’ system.  It was an easy and secure way to communicate with others in different provinces.  Another innovation was the presence of Jesuits (a group of Christians).  They were required to accept ancestral worship, as that was Chinese culture, so they could stay in China.  At first the Jesuits accepted this, but other Christian groups judged them for doing so.  Kangxi told the Jesuits they could accept the Chinese way or leave the country and never come back.  After the death of Kangxi, there were negotiations on this topic until 1742, when the “Ex Quo Singulari”, prohibited Jesuits to follow the Chinese way.

Towards the end of Kangxi’s reign, there were many problems with who was going to succeed him.  In 1676, he named his second son, Yinreng, his successor.  When Yinreng was older he started to do “immoral actions”, which led to 15 years of uncertainty of who would success Kangxi.  It was only on his deathbed when Kangxi declared that his fourth son, who would rule as the Yongzheng emperor, should succeed him.  There were rumors that Yongzheng poisoned his father and stole the throne from Kangxi’s fourteenth son.

The Yongzheng emperor reigned from 1723 – 1735.  Even though he did not reign for very long he was known for his attempts to introduce new reforms, one of them being the succession system.  Instead of following the Chinese tradition to appoint the eldest son of an empress, Yongzheng would choose his successor and put the successor’s name into a sealed box.  No one was allowed to know which son had been chosen until the death of the emperor, not even the candidate himself.

Yongzheng also reformed the palace memorial system, which enabled him to acquire confidential matters directly.  Yongzheng also introduced the “court letter”, a set of instructions that were highly confidential and were to be delivered to an official directly. 

Emperor Kangxi had left Yongzheng with an almost empty treasury because of his relaxed attitude towards economic matters.  Yongzheng immediately started to change this.  He made an extra tax for land owners and a ‘meltage fee’ for when silver that was taken as tax was melted down into ingots (coins).

Yongzheng also involved himself in trying to enforce neo-Confucianism among his scholars.  Like his father, he tried to do this in “the form of the school of Principle”[iii], which included total submission of women, authority of males in a household, and the unshakable loyalty of subjects to their emperor.

Yongzheng was succeeded by his fourth son, the Qianlong Emperor, in 1735.  During the early part of his reign Qianlong changed the Grand Council and who could be a part of it.  Imperial princes lost their seats to Manchu officials.  The Grand Council became so effective that eventually, “the need for the emperor to direct its deliberations declined.”[iv]

By the eighteenth century the Qing controlled a large, multiethnic empire. Qianlong contributed to this empire by expanding into Tibet and Xinjiang, both autonomous regions.  The Qing also had a presence in Lhasa, but their impact was being challenged by Zunghar (an inner Asian Khanate) influence, this led to a civil war in 1750.  Qianlong’s solution was to set a Chinese Dalai Lama.  Lhasa could rule themselves, but was still a Chinese territory.

The Qianlong emperor was weary of the independence of the Zunghar.  But when their leader, Galdan Tseren, died in 1745, Qianlong and Amursana (a prince of the Zunghar) allied with each other and brought the Zunghar region under Chinese control in 1755.  In 1757 Amursana started a huge revolt against the Ming, Qianlong ordered his troops to go in and “show no mercy at all to these rebels.”  This resulted in a mass killing, which ended the Zunghar “as a state and as a people.”[v]

During Qianlong’s reign the economy was thriving, its basis being agriculture.  Rice, wheat, millet, cotton, silk, and tea were all of major significance and were growing bountifully.  But the population of the empire exceeded the estimated 150 million, there was not enough land to feed all of the people, and between 1750 and 1775 the food available started to decline.  Qianlong also became a patron of the arts, which made literature flourish.  Qianlong himself wrote poetry and funded scholarly enterprises, which produced a collection of 3500 works of poetry, which is seen to be one of the best in Chinese literature.

Towards the end of the Qing dynasty the White Lotus religion started to surface.  This religion worshipped the Eternal Mother, their supreme deity.  This small, insignificant religion sparked a rebellion in 1774 in Shandong (a Chinese province), and a bigger rebellion in 1794, which was one of the first big rebellions to threaten the dynasty.

Conclusion

In this essay I have talked about the Ming and early Qing dynasties.  The Ming and Qing dynasties are the last two dynasties in Chinese History before the modernization in 1900s.  My next essay will be about the later half of the Qing dynasty.  Thanks for reading!


[i] A History of China, J. A. G. Roberts Page 135

[ii] A History of China, J. A. G. Roberts                 Page 144

[iii] A History of China, J. A. G. Roberts                Page 149

[iv] A History of China, J. A.G. Roberts                 Page 151

[v] A History of China, J. A. G. Roberts                 Page 152

Coding 8, Section 8 Rigging

For 8th grade Science/Coding I am doing Pixar in a Box in Khan Academy.  Right now I am doing the eighth section in the course.

The eighth section in the Pixar in a Box course is rigging. There are two part of this section, “Introduction to Rigging” and “Code a Character”.

Part One

The first exercise I did was rigging the classic Pixar lamp.  With special controls, called deformers, I could adjust the position of its head, arms, and base.  Then I could use deformers to control where the lamp is on the screen and how high up.  It is known as “sizing the x and y of the lamp.”  The x is where on the screen the lamp is, the y is how high the lamp is on the screen.  At the end of part one I was able to animate the lamp!

I also rigged a snowman’s face by control the size, direction, and position of its mouth, eyes, eyebrows, and hat.

Part Two

In part two of the lesson I coded my own character using JS (JavaScript).  The picture shows the snowman I made.  In this lesson I connected all of the body parts so that when I rotate the head the hat follows it and when I rotate the body the head follows.  This makes it easier for me to move things around.  I no longer need to adjust controls for every body part.

This was all of the exercises I did in the eighth section of Pixar in a Box!  The next section I am doing is Animation!

Personal Finance 8, Lesson 60 – Credit Card Debt Compared to Other Types of Debt

In the world of debt there are two classes of debt, secured and unsecured.  Secured debt is collateralized (meaning loans with collateral), like mortgages.  Unsecured debt is a loan that has no collateral. An example of unsecured debt are credit cards.  In this essay, I am going to talk about credit card debt.

Unsecured debt has no collateral which means debt issued to a person based on that person’s personal credit history.  Credit history includes the person’s age, income, and past payment history.  When someone applies for a credit card, the bank will check the person’s credit history through credit-rating agencies.  Generally, unsecured debt like credit cards (also known as revolving credit which can be used every month as long as the credit is available) have high interest rates that can lead to a vicious cycle of interest on interest. Interest on interest is money that is paid to the credit card company for using the credit and not paying back the entire amount. The credit card company is entitled to charge you interest on the original interest that was unpaid in the previous month.

Credit cards usually have high interest and cost a lot in fees and penalties because it is usage of somebody else’s money for your convenience.  If you think about it, credit cards provide you with convenience, which is never free. Usually, people use credit cards for emergency expenses when they do not have their own money.

Credit cards are expensive and can trap you in debt if you are not careful.  I would advise to stay away from credit cards, but if you do get one, be extra prudent on how you use it and have a plan to pay back the entire amount every month. Thanks for reading!

English 8, Lesson 55 -‘With Clive in India’ Book Review

‘With Clive in India’ was written by G.A Henty in 1884.  The story follows a young, fatherless boy named Charlie who was sent to India to work for a relative to earn money for his poor family.  In this essay I am going to review ‘With Clive in India’.

The story is set in the Seven Years’ War (1756 – 1763), when Britain was fighting with the French.  While in India, Charlie meets the two other main characters of the book, Tim and a servant named Hossein.  Charlie and Tim both enroll to fight in the war under General Clive.  While fighting with Clive, he sees the potential Charlie and Tim has and sends them on an important mission.  Charlie, Tim and a Hossein were to find a rajah (is a title given to an Indian king or prince), named Boorhau Reo.  The British were trying to recruit Boorhau Reo’s army to help them defeat the French.

If you are not familiar with the history of the Seven Years’ War (do not worry, I am not very familiar as well), the British end up winning the war and defeated the French.

Charlie is the main character of the book.  When he leaves his family to go to India to work he was just 16.  By the end of the book he is 26.  Charlie seems to be an eager, natural leader, and level headed boy.  Tim is a man that Charlie befriends while he is working in India.  Tim is a loud, animated, Irishman, he is always ready to have a good time and tries to make the best of any situation.  Hossein is a servant that was given to Charlie.  Hossein is more reserved in the book, but would not hesitate to protect Charlie or Tim from danger.  Charlie, being the kind boy he is, treats Hossein as more of a friend than a servant.

Like most of G.A Henty’s books, the story does not actually start until five to six chapters in.  ‘With Clive in India’ was an exception.  I was half way through Chapter One, and the story was already starting and getting exciting.  If you do not like fast moving books, this might not be the book for you.  But if you are like me, and like fast moving books, this may be a nice book for you.

Personally, I am not a big fan of historical fictions, there are some exceptions though.  Unfortunately, ‘With Clive in India’ was not part of the exceptions.  The story of a fatherless boy going to India to work for money for his family seemed interesting, but the story did not get my full attention.  Of course, my opinion is quite biased to a negative side because of my dislike for historical fictions.  But if you enjoy historical fictions you may enjoy G.A Henty’s works.  I would also like to say, that the title of this book felt a little misleading.  It states ‘With Clive in India’, but Charlie and his friends were not with Clive very much.

I hope that now you have an understanding of what happened in the book.  My opinion of the book may have been on the negative side, but please do not let my biased opinion discourage you from reading this book.  I have read many of G.A Henty’s books and I think that this might have one of the more enjoyable books he has written.  Thanks for reading!

English 8, Lesson 51 – Are Snap Judgments Better than Decisions to Which People Give a lot of Thought?

Are snap judgements better than decisions that are given a lot of thought?   I think the answer to this question is: yes and no.  It depends on the situation and what there is to lose.

Snap judgments are sudden decisions that are not given much thought.  In everyday life, whether you realize it or not, we make snap judgments all the time.  For example, let’s say you are at work or school, and couple of friends ask if you want to eat lunch with them.  You planned to have lunch by yourself, but you do not mind the company and say yes.  This is a snap judgment.  You did not think about the pros and cons.  In this case, snap judgments can be better.  If you think about the pros and cons of eating out with friends you will start to overthink everything. 

But if you are in crisis, snap judgments might be best.  Snap judgments could end up saving a lot of people, even if it might mean losing some.  If you take the time to think about all the pros and cons and options you have, by the time you figure something out, it might be too late. 

I have listed two times where it is good to give snap judgments.  It is only fair to list a couple times when it is good to think about your decision slowly and carefully.  For students, you should think out your decisions carefully, like in an exam or when you get an invitation to a party.  For adults, they think out every decision they make carefully, which is absolute torture for their kids.

I personally think that kids and teenagers make snap judgments all the time, while adults think about all of their decisions carefully.  I am not saying that weighing pros and cons for certain decisions are good, but sometimes it can be bad because it causes you to overthink.  But it is not always good to do whatever you want suddenly and not think about the consequences.  What do you think?  Are snap judgments better or carefully planned out decisions?

Thanks for reading!

Personal Finance 8, Lesson 55 – Usury Laws

In the United States, the Federal Reserve (a quasi-autonomous government agency) issues money through which interest rates are established in the financial markets. However, each State government has made laws that prohibit interest rates from going too high to protect the people. High interest rates are known as Usury.

In the Unites States, there are Usury Laws that prohibit lenders from charging too high interest rates.  These laws were made to protect borrowers from predatory lenders (aka loan-sharks).  In the United States, these laws are enforced by each state, and not the federal government.  Each state sets what interest rate is considered too high.

Usury is defined as “To constitute usury there must be an knowing and consensual obligation of the borrower to return the principal as well as pay an amount greater than lawful interest. The lawful rate of interest will be governed by the country in which the contract was made. Usury is usually only considered a crime if a person is a “loan-shark” (someone in the business of loaning money at usurious rates). Banks and other commercial lenders generally are not subject to anti-usury laws, but are governed by the marketplace and the competitive rates based upon the Federal Reserve’s rates for bank loans.” (https://definitions.uslegal.com/u/usury)

I think people love this law as it saves them their money and it may stop them from getting deep into debt.  But the banks may not like this law because it prevents them from earning higher profit as their business model is based on lending money. I personally think that this law sounds great!  It protects borrowers from getting too deep in debt.  But this is the government we are talking about, so this law can get corrupted or bypassed.

In Islam, borrowing money on interest is considered a sin.  In classical Judaism and Christianity, usury was considered a sin. For people who observe their religion, God has made it easy for them to avoid being trapped in high-interest rate debt.  

As you can see, even man-made usury laws can be a good thing. But, it is best to avoid debt. That way you will never be subject to any type of interest whether low or high. Thanks for reading!

Coding 8, Section 7 Patterns

For 8th grade Science/Coding I am doing Pixar in a Box in Khan Academy. Right now I am doing the seventh section in the course.

The seventh section in the Pixar in a Box course is patterns. There are two part of this section, “Geometry of Dinosaur Skin” and Painting with Randomness”.

Part One

The first part of the lesson is based off of the Good Dinosaur movie. It focused on how the animators at Pixar made dinosaur skin for Arlo (the dinosaur). I learned about how patterns work.  Each part of the dinosaur scales are made of sites.  You can think of sites as little dots, around these dots or sites, are lines.  These are called cells, these make up the scales of Arlo.

I also learned about something called a Voronoi Partition.  A Voronoi Partition is something that we see in everyday life.  The Voronoi Partition can be seen in the skin of giraffes.  To explain what this is, I’ll use bubbles.  When you blow bubbles they all merge together, right?  Imagine two small bubbles next to each other with a small dot in the center.  We call the dot a site.  When you blow up the bubbles they get bigger and merge into each other.  Each bubble is known as a cell, and the lines around them are known as boundaries.  Something cool about Voronoi Partition is that if you choose a random point on a boundary it is the same distance away from the two nearest sites.  And when three lines meet it makes a vertex, it is also an equal distance away from the three nearest sites.

At the end of part one I was able to make my own dinosaur skin!  I was able to control the color of the skin, the size and color of the scales, and how far the scales will extrude from the leg.

I unfortunately, was not able to put the picture of the dinosaur skin into this post.

Part Two

In Part Two I learned about low and high resolution.  It is how close the camera sees something.  Low resolution is seeing something from really far away and high resolution is seeing something that is really enlarged.  I also learned about Perlin noise.  To put it in laymen terms, it can control color in animation using resolution.

I was able to make my own dinosaur skin at the end of the lesson.  This time I was able to control the resolution of the skin and scales.

I unfortunately, could not put a picture of my second dinosaur skin into this post.

That was what I learned from Section 7, Patterns of Khan Academy’s Pixar in a Box course.  The next essay will be about Section 8, Rigging.

Thanks for reading!

English 8, Lesson 45 – The Characters of “Twenty Thousand Leagues Under the Sea”

The first book I read for my 8th grade English course was “Twenty Thousand Leagues Under the Sea”, by Jules Verne.  In this essay I am going to compare two of my favorite characters from the book, Pierre Aronnax and Ned Land.

If you have never read “Twenty Thousand Leagues Under the Sea”, here is some background information you will need.  Pierre Aronnax is a professor who gets invited onto the Abraham Lincoln to look for the mysterious underwater creature that was endangering ships.  Being the curious professor he is, he accepted the invitation and boarded the ship.  While searching for the creature the Abraham Lincoln gets attacked and Professor Aronnax, Conseil (Professor Aronnax’s man servant), and Ned Land (Pierre Aronnax’s friend), gets thrown overboard.  They are saved by the mysterious creature, which was actually an underwater submarine called the Nautilus, which belonged to Captain Nemo, but I will not talk about him in this essay.

Now back to the essay.

Pierre Aronnax is the genius professor who gets thrown overboard of the Abraham Lincoln with his servant, Conseil, and friend, Ned Land.  Professor Aronnax is a genius, curious, and level headed professor.  His curious nature leads him into many adventures with Captain Nemo.

Conseil is Professor Aronnax’s loyal man servant, when his master got thrown overboard he jumped off as well to save him.  Conseil is very loyal and cool headed. In a crisis he does not panic or overreact.

Ned Land is Professor Aronnax’s friend.  He was also thrown overboard with the Professor.  Ned Land is a professional harpooner.  He was invited onto the Abraham Lincoln to help catch the “creature”.  He is hot headed and has a bad temper.

The one thing that all three men have in common is their curiosity and their eagerness.  All of them are curious and eager to learn new things.  Even though their eagerness to gain knowledge differs from each man, they all want to learn.  The men are very different though.  Ned Land, unlike Conseil and Professor Aronnax, has a very bad temper and low patience. 

In my opinion, Conseil and Professor Aronnax are a lot like each other, might be one of the reasons the Professor chose Conseil to be his servant.  Ned Land, however, is very different from the other two.

When the three men got “captured” by Captain Nemo each of them had very different reactions.  Ned Land was raging, he was screaming and banging on the doors of their “cell” and kept demanding to be let out.  When a man came in to give them food Ned Land started to choke him!  Conseil was urging Ned to be calm and insisted that they should be thinking calmly and not freaking out.  For most of their captivity in the “cell”, the Professor was very quiet, trying to think of a way out.  All of them had very different reactions when they were taken captive.

As you can see, each of these men are different.  Each of them have their own personalities and do different things in a crisis.  While Ned Land was raging, Conseil and the Professor was levelheaded and tried to figure out how to escape.  Who do you think you are the most like?  Ned Land, Conseil, or Professor Aronnax? 

Thanks for reading!

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