Personal Financial Planning essayEssay Writing Service

Personal Financial Planning essayEssay Writing Service Personal Financial Planning essay Personal Financial Planning essayQ1. How are you saving for retirement?   If you are currently not saving for retirement, design a plan for your retirement savings.   Explain in 1 concise paragraph.Retirement planning will strongly depend on the type of income that will be available in the future and the options offered by the employer. One possible way of planning for retirement is the following: investing about 4% of gross salary into an annuity which will yield the basic income and investing 3% of gross salary into an Individual Retirement Account with reasonable mutual fund investments and solid previous history. Such diversification allowsQ2. Would you favor reforming Social Security to eliminate inequalities in the distribution of spouse benefits? If so, what kind of changes would you propose?Spouse benefits in Social Security often result in discrimination against low-earning workers in a couple, since they will receive the same benefits as the persons who have never worke d and therefore never invested into Social Security. Since in most cases the lower-earning person in the household is wife, in the couples where men earn equally those women who never worked are eligible for similar retirement benefits as those who did work but received lower wages (Gitman ¸ Joehnk Billingsley, 2010). On one hand, those women who invested their time in child-rearing and looking after older relatives deserve these payments, but such inequality also rewards those who withdraw from work. It would be useful to introduce a cumulative index for individuals taking into account their work contributions and family contributions. The value of benefits determined using such an index would help to reduce or even eliminate inequality.Q3. What do you think is the single most pressing political issue for older Americans? Explain your answer.For older Americans, key political issues are related to financing their retirement and accessing medical services. Currently the most pres sing issue is the existence of Social Security fund and its accessibility in the future. There might be different pressures depending on the generation; for example, when the Millennials approach retirement, they might face a depletion of Social Security resources accompanied by additional measures limiting their eligibility (such as increased retirement age) (Gitman ¸ Joehnk Billingsley, 2010). This issue has a direct impact on the lives of older Americans and therefore is the most pressing for them.

Capital Budgeting Problems Article Example | Topics and Well Written Essays - 2500 words

Capital Budgeting Problems - Article Example Rather than that it is easier to the investment. This is due to the difficulty the future organization face in calculating the future benefits; most organizations normally do not undertake new investments. These judgements can be undertaken if the assets are quantifiable. The benefits attached to the intangibles can only be judged by the educated senior executive of the organizations and investments in such projects can be made on the basis of the beliefs of the organizations heads. The investments in these projects should be formally budgeted on the other hand it is strongly recommended to undertake periodic reviews of the outcomes and benefits attached to these projects. With investment in value delivering projects it is also important to invest in organizational skills and system since they affect the value. Activity Based costing system is used to achieve the organisation's objectives by supporting decision-makers inside the enterprise. Internal decision-makers are employed by the enterprise. These internal decision-makers create and use internal accounting information in order to undertake cost cutting and enhance the business profits (Meigs, Williams, Haka & Bettner, 1999). The development of effective management accounting systems although has played an important part in dealing with the problems discussed above but also it has given rise to the problems of downsizing and cost cutting. There are several factors, which were identified to have influence on the structure of these systems. These include differentiation degree of integration (internal & external) and the configuration of the organisations. Some researchers reveal contextual relationship between the above mentioned factors the management accounting system and information systems. (Daft and Mac intosh 1978; Khandwaila, 1972) Although many theories have been put forward in order to find out the efficient allocation of resources of the organizations but each of them has different drawbacks attached to them. Open theories: Open theories address all the social, psychological and structural factors. According to the open theories organisations are the organisms which take inputs from the environment and give outputs. Open systems undertake the analysis of all the different disciplines and levels. The open theories address all the aspects such as political social and technological extending its scope from other theories, which are confined only at studying the economic consequences. Cybernetics: covers the techniques applications. The cybernetics theories contend goal oriented behaviour and emphasise the change of role of individuals according to the situation. The main drawback of the theory is that it doesn't provide a universal solution and fails to provide specified guidelines for the individuals about their behaviour in different scenarios. (Aney, 1980) Social

Music Publishing Essay Example | Topics and Well Written Essays - 2000 words

Music Publishing - Essay Example Musicians are artists that are mostly hard working and unacknowledged. Making money with music is not an easy road. The way for any business to make money is through volume and this is no different in the music industry. Volume comes when one recording is sold repeatedly so that the money accumulates and makes the people who created and own the music money from its sales. What typically happens, however, is that those with the power ‘buy out’ the rights to what a musician plays so that they do not get paid for every use of the recording that is paid for by one entity or another. Musicians with power will continue to own their rights, but those who are hired for short term of only for the period of time to make a recording are bought out so that the re-sale of the music is not limited by a large body of ‘partners’ who all have rights to be paid (Harrison 2011, p. 232). There was a time when even the artists were not included in the group who was paid on the r eturn of selling the music. Paul McCartney can attest to the pain of that as he saw his entire catalogue of music sold to Michael Jackson after sharing with him that it was going up for sale. As a result of that sale, every time that McCartney wants to play â€Å"Hey Jude† he has to pay a royalty, even though he wrote the song. (Marinucci 2009). In order to create ownership to a piece of music the contract must include that ownership will be retained either in part or as a whole. The statement that is being addressed is whether or not â€Å"All musicians featured on a popular music recording are entitled to an appropriate share and interest in the music publishing copyright of the work performed on that recording†. In addressing the definitions of music, composition, and ownership, the answer is that it is not the case that all musicians would be qualified to gain as an author to a piece of music should they participate in its recording. Contribution is very specifical ly defined and if a contributor does nothing to qualify under the parameters that have been set, they are not eligible for an interest in the exploitation of that piece of music (McLeod and DiCola 2011, p. 78). 2. Defining Music The first thing that must be done in order to support a legal definition of ownership and the right to be paid for music is in defining what is meant by music. The written composition is not what is being discussed. Music is what is heard. Arnold (2009, p. 1) uses the example of a piece of music that is played by Louis Armstrong as it is compared to that of Peter Ecklund. The distinction is clear as the sound that Armstrong creates has a quality that is unique to his own personal nuances in the work. In modern collectives, however, it is not as simple as that. Burnard (2012, p. 68) discusses the creative process for musicians. It is a process that sometimes is led by one or done isolated, that can be done by only select members, or is most often a collective experience in which the philosophy and intentionality of the group is expressed through what is produced musically. This not only includes the musicians, but the producer and sometimes the managers as they all work towards the production of a type of audible expression. Burnard (2012), p. 69) states that this is a â€Å"non-linear, multifactorial, and relational†

Internet Research Essay Example for Free

Internet Research Essay 1. In 1998, Carl P. Schmertmann, Adansi A. Amankwaa, and Robert D. Long wrote an article in an academic journal called â€Å"Three Strikes and You’re Out: Demographic Analysis of Mandatory Prison Sentencing. † Please write out the third sentence of the article. Popularly known as â€Å"Three Strikes and You’re Out† (3X), these new rules mandate long sentences without parole for those convicted of a third or higher-order felony. Source: JSTOR, Demography, Vol. 35, No. 4 (Nov. , 1998), pp. 445-463 2. The Washington Post publishes â€Å"D. C. Animal Watch,† which reports animal cases received by the Washington Humane Society and the D. C. Animal Control Division. According to the September 4, 2003, edition of â€Å"D. C. Animal Watch,† what happened at Bangor St. SE, 1400 block? A woman reported that a male acquaintance had tied her cat with a rope so it could not jump onto a baby’s bed. She said the cat was choking and she was afraid to untie the rope. When a Humane Society officer arrived, the cat had been untied. Source: The Washington Post, September 4, 2003 edition of â€Å"D. C. Animal Watch† 3. On Feb. 18, 1987, Anne C. Roark wrote an article in The Los Angeles Times about Donald Foster’s claim to have identified a poem as one of Shakespeare’s. What’s the name of the article? And, according to the article, where does Foster teach? Article name: â€Å"Bards Sonnets A Mystery at Long Last Resolved? † Foster taught at Vassar Source: Los Angeles Times, February, 18, 1987 4. What is the call number for Giovanni Boccaccio’s book called Decameron? (Please choose the 1986 circulating copy) FIC BOCCACCIO, G. 5. What is the call number for Milan Kundera’s book The Unbearable Lightness of Being? (Please choose the 1984 entry. ) FIC KUNDERA, M. 6. What is the call number for the Guinness World Records? (Choose the most recent edition. ) 031. 02 M257 7. How many people live in the Marshall Islands? (Your information must be current—nothing before 2003. ) You might try NVCC’s â€Å"Best of the Web,† which will link to the recently-updated CIA World Factbook. 61,815 (July 2007 est. ) Source: CIA World Fact Book, https://www. cia. gov/library/publications/the-world-factbook/geos/rm. html 8. Julian Bond is a faculty member in the History Department at the University of Virginia. Where and when did he receive his Bachelor’s degree? Morehouse, 1971 Source: University of Virginia website: http://www. virginia. edu/history/faculty/bond. html 9. On July 17, 2003, the National Highway and Transportation Safety Administration (NHTSA) released its highway fatality statistics (in the form of a press release). According to the NHTSA, how many fatalities were alcohol-related in 2002? You must locate the report itself. 41 percent of the total with 17, 419 deaths Source: Press Releases, NHTSA website: http://www. nhtsa. dot. gov/portal/site/nhtsa/template. MAXIMIZE/menuitem. f2217bee37fb302f6d7c121046108a0c/? javax. portlet. tpst=1e51531b2220b0f8ea14201046108a0c_ws_MXjavax. portlet. prp_1e51531b2220b0f8ea14201046108a0c_viewID=detail_viewitemID=979ffd08cccaff00VgnVCM1000002c567798RCRDpressReleaseYearSelect=2003 10. According the American Kennel Club, what should a Mastiff’s temperament be like? (Copy and paste the entire description. ) A combination of grandeur and good nature, courage and docility. Dignity, rather than gaiety, is the Mastiffs correct demeanor. Judges should not condone shyness or viciousness. Conversely, judges should also beware of putting a premium on showiness. Works Cited â€Å"Marshall Islands†. Retrieved November 2, 2007 from the Central Intelligence Agency World Fact Book website: https://www. cia. gov/library/publications/the-world-factbook/geos/rm. html. Roark, Anne C. (1987, February 18). Bard’s Sonnets A Mystery at Long Last Resolved?. Los Angeles Times, p. Metro Desk 1. Schmertmann, Carl P. , Amankwaa, Adansi A. and Long, Robert D. (November, 1998). Three Strikes and Youre Out: Demographic Analysis of Mandatory Prison Sentencing. Demography, 35:4, 445-463. Research Facts Find the answers to the following questions. For each item, list the answer and the source that you used to find it (no need to provide a full Works Cited entry). Then, in one or two sentences, explain how reliable you think that source is. Since you will probably use Internet-based sources, consider how objective, current, and credible each site is. For this exercise, you do not need to choose high-quality sites; you simply need to explain why you believe each site is or isn’t reliable. 1. What country has the smallest population? Vatican City, population 920 Source: World Atlas web site: http://worldatlas. com/aatlas/populations/ctypopls. htm The site is run by Graphic Maps, dba the Woolwine-Moen Group and while they claim to be as accurate as possible, they do admit there is a margin of error. Most likely, the statistics presented are accurate. 2. What country has the lowest literacy rate? What about the highest? Lowest is Burkina Faso, highest is Cameroon, United Republic. Source: SIL International website: http://www.sil.org/lingualinks/literacy/PrepareForALiteracyProgram/CountriesWithTheLowestRatesOfL.htm

Darwins Theory of Evolution :: Natural Selection, Evolution Essays

"On the Origin of Species by Means of Natural Selection, or the Preservation of Favoured Races in the Struggle for Life," usually shortened to "the Origin of Species," is the full title of Charles Darwin's book, first published in 1859, in which Darwin formalized what we know today as the Theory of Evolution. Although Darwin is the most famous exponent of this theory, he was by no means the first person to suspect the workings of evolution. In fact, Charles owed a considerable debt to his grandfather Erasmus, a leading scientist and intellectual, who published a paper in 1794, calledZoonomia, or, The Laws of Organic Life. This set down many of the ideas that his grandson elaborated on 70 years later. However, it was Darwin that formalized the theory, and presented the most convincing case for the theory. Charles Darwin was born on the 12th of February 1809 (incidentally, the same day and year as Abraham Lincoln), in Shrewsbury, England. He had a privileged upbringing, and enjoyed science - particularly biology. He graduated from Cambridge University in 1831, and on December the 27th of that year, he set off for a five-year journey aboard the Beagle, a ship bound for South America. His voyage was long and eventful, including once, in Chile, encountering both an earthquake and a tidal wave in a single day! He spent the entire journey sea-sick, but found an interest in naturalism, and began to think about evolution. Using the evidence he found during his tour of South America to back up the basic theories set down by his predecessors, and making his own adjustments and discoveries. Finally, the Beagle arrived home on October the 2nd, 1836. During his travels, Darwin kept five note-books, marked A to E, in which he recorded what he found, made sketches and wrote about his observations and theories. These later became the basis of his book, though in a "condensed and corrected" version, to "render the volume more fitted for popular reading," as Charles stated in the preface to

Michelle Morano’s “Grammar Lessons: The Subjunctive Mood” Essay

The essay â€Å"Grammar Lessons: The Subjunctive Mood† by Michele Morano is a work that parallels the Spanish language and life. In the story, Michele reveals a little about herself as a character in the essay. She offers the reader a glimpse into an extravagant daydream into the locales of exotic Spain in which she hopes to one day visit to escape her husband whom had recently tried to kill himself. Throughout her fantastic tale, she encounters many unusual characters and proceeds to compare aspects of the Spanish language such as clauses like, ‘si’ and ‘como si’ (Morano 111), and ‘verbs of doubt and emotion’ (114) to the complexities of life. As I first began reading the essay, I was puzzled that Morano chose to ‘speak’ in the second tense as it is a rare form of writing, especially for a non-persuasive essay. While she was using her own experiences to provide the reader with an imaginary world, she wrote as though she hoped her audience would find themselves in her shoes. I also found it difficult to understand Morano’s style of writing because of her choice to use the future tense. I was able to grasp the concept that this extravagant adventure had not occurred yet, but I found it difficult to insert myself in her whimsical, romantic production. Once I began reading the essay and analyzing it, however, I took a liking to her ‘what-if’ style of writing. It suited the topic matter very well. Morano was able to equate the Spanish language with life beautifully with her writing style and extensive use of imagery. While I enjoyed the style of writing very much, the essay itself left me tentative on weather or not I enjoyed the piece as a whole. I am very familiar with the Spanish language, but I believe Morano could have clarified each educational segment a little further. As amusing as it was to brush up on high school Spanish, I found the presentation of the content in the text itself very confusing. I am uncertain that I would have enjoyed the piece as much had I not taken Spanish in earlier years of schooling. I also found it distracting how Morano would switch from her ‘grammar lessons’ to her fantasy life in Spain so abruptly. Beginning to read the piece, I was unsure of whether or not Morano had actually lived these experiences she was writing about, or if they were a thoughtful delusion of the future. For example, while reading about Morano’s encounter with the swimmer (110), I  found myself being pulled into the reverie of this romance in Spain; and suddenly I would be brought back to this lackluster high school Spanish class. And while Morano did provide the reader with a comparison from the language to the event itself, the change seemed so abrupt that it left me displeased. I also could have gone without the jumping back and forth between Morano’s life with her depressed husband and her musing of a life in Spain. While I do believe that her history with her husband was pivotal to the back story, I found the bouncing between her Spanish daydream and her real life experiences with her husband very distracting. I consider it would have suited the essay better had Morano simply used that as an introduction and left it at that. One feature of the essay that I enjoyed, although, was the fact that Morano took something as lifeless as the Spanish language and seemed to enliven it to the reader. I find it very rare that an author is able to put life into something as cold as grammatical concepts, especially in a different language. Morano, through her experiences in Spain, was able to provide the reader with a looking glass into a world where language isn’t just language and grammar isn’t just grammar but they’re part of being alive. She is able to convey to the reader that while details such as how to express emotion in Spanish would seem tedious any other point, experiences such as sleeping with a stranger in Spain unexpectedly brings out these ‘grammatical elements’ of human nature such as doubt and excitement (115). As a whole, I did enjoy the essay. I found Morano’s use of descriptions and interactions between characters very intriguing. I was able to sympathize with Morano as a character through her internal struggle of leaving the man that she had been with for a long while for a fresh start in Spain. Morano, Michele. â€Å"The Best American Essays.† Grammar Lessons: the Subjunctive Mood. Ed. Lauren Slater. Boston: Houghton Mifflin Company, 2006. 107-121. Grammar Lessons: The Subjunctive Mood

Understanding The Conditions Required For Creative Play...

In this essay I will be writing about the differences of play and creativity as well as referring back to relevant theorists which relate to it. I will also be understanding the conditions required for creative play and evaluate a play provision. Play is a natural process a child goes through and it is the process of the way a child thinks and feels. When children are playing, they are being creative and imaginative. They are able to invent different things as they are free. Play is a process which children have to use both their mind and body for. For children play is satisfying and it gives the child excitement, and the chance to explore, find new things out and how they work. The excitement children have when playing is the ability which links the child’s inner mental world to the real world. It is a big task for a child to take in and make sense of the world, as they are continuously of being risk at being stunned by major events. Children are able to come to terms with the real world when events are repeated, as well as their own feelings being played out. Through play children are able to express their feeling such as anger without hurting any other child within a setting such as a pre-school (Russ and Russ, 1993 ). Playing is important for children’s development and is fundamental for their wellbeing, including the social, physical and emotional health. Children are able to develop resilience which contributes towards their physical and emotional wellbeing. 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