Science Fiction Fantasy for Book Reports

A lot of students dislike writing book reports and often this dislike for these reports stems from the fact that students either are forced to read books they have no interest in or they choose books that are outside their interest zones.  Similar to choosing a term paper topic the choice of a book for a report should be made (if possible) based on interest or likability. The more interested you are in a book the easier your book report will be to write. One of the ways that I choose a book is by trying to step outside traditional reading genres. For example, there is a wealth of literature in the areas of science fiction and fantasy.  

If you are allowed to read a book of choice for your report I would recommend a book from the Fantasy realm of fiction. A well-written and entertaining novel that makes for a great book report would be “The Black God's War” by Moses Siregar III. This book is a great book for anyone looking for change of pace with their reading and it is a great introduction to the fantasy genre.

“The Black God's War” is book filled with well-developed characters that contain positive and negative attributes. The depth of character development lends itself easily to a book report. The plot of the book is also well-developed with twists that engage the reader. This also makes for a really engaging book report.  There is action and there are spiritual overtones in the novel and the author has obviously taken some time to build the structure of the novel in a manner that connects these notions.

One of the reasons that I suggest reading the “The Black God's War” over more well-known fantasy novels such as Tolkien’s “Lord of the Rings” is due to the fact that some fantasy novels are much longer and will take longer to read. If you are new to the fantasy genre and you are trying to write a book report then I would recommend starting out with a shorter novel that will allow you more time to concentrate on the writing of your book report. While both books are great reading, “The Black God's War” can be read in less time.

Opening yourself to the fantasy literature genre is a very rewarding experience. If you are looking to expand your reading and your imagination, then fantasy writing can provide a great means for accomplishing this goal. The best prat of reading fantasy literature is that it may make your book reports easier and more interesting process.

Understanding the Time Value of Money- TVM

How is a car loan an example of Time Value of Money?  Under what circumstances should an individual take out a loan versus paying in cash?  How have recent zero money down and zero money interest for 12 months offers affected potential cash buyers?

Time value of money (TVM), generally speaking, can be seen in a car loan through the focus of interest accumulation over time. A car loan at 21% interest equals $446.38 per month over five years. This equals $10,282.83. By paying an extra $100 a month on this loan, the size of the loan can be cut in half over 5 years leading to a savings of more than $5000.

A consumer should only take a loan over paying cash, when they will save as a result of the loan. For instance, a car loan that is $200 a month is cheaper than having to consistently put repairs into an old car. Plus over the long-term a new car can save more money if it is taken care of, by allowing the consumer to not have a payment and not have repairs for longer amounts of time.    

Many auto dealers advertise the claim you can buy a new car with no money down or minimum and no payments for the first year. However these ads are usually used to attract interested car buyers to the dealerships. These deals are extremely hard to qualify for, most often requiring perfect credit. Most customers will not be able to receive these special car financing deals. Usually after you have picked a car you like, they will break the news and tell you that you are not eligible for cheap car loan rates with zero down payment. The reasons can range from your poor credit ratings, insufficient down payment and so on.  I think these deals have not helped car dealers simply because in a rough economy the person who was interested in this deal was looking at it as an option that was affordable, but once they realize they cannot get it the affordability of the car is gone.