The 10 Best Essay Writers Near Me

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Hire A Talented College Essay Writer At Bestessaytips Com

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Writing An Essay? Here Are 10 Effective Tips

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Top 6 Advisor Misconceptions About 529 Plans

Financial Professional Content For many families, college will be one of the most expensive purchases they ever make, placing it at or near the top of their saving priorities. In fact, paying for college has become the number one financial concern for young parents. Yet while a financial planner helps with things like saving for retirement, insurance, and tax and estate planning, many arenï ¿ ½t talking about 529 college savings plans with their clients. With direct-sold and advisor sold plans available, 529s are a great opportunity for commission-based brokers and fee-based planners to strengthen relationships with existing clients and also grow their business. Itï ¿ ½s time to clear up the confusion about these common misconceptions and see how 529 plans can benefit your clients: RELATED: Is it a mistake not to hire a financial planner? 1. Itï ¿ ½s not worth the time This is probably the most common reason financial advisors donï ¿ ½t like to talk about 529 plans, and it couldnï ¿ ½t be farther from the truth. According to the College Savings Plans Network, as of June 30, 2015 the average 529 account balance reached an all-time high of $20,934 ï ¿ ½ an increase of over 110% since 2002. Whatï ¿ ½s more, advisor-sold plans make up 48% of total market share, which means clients are looking for help from experts they trust. 529 plans are complex vehicles and contain certain attributes that wonï ¿ ½t be found anywhere else in the investing space. Researching all of the plans and investment options available can seem like a daunting task, but Savingforcollege.com offers many helpful resources. For example, the Pro 529 Evaluator allows you to build a customized list of plans based on criteria you select, such as investment management, fees and state tax benefits. RELATED: Study reveals more parents need help with saving for college 2. 529 plan savings have a big impact on financial aid eligibility Yes, a 529 plan will affect how much a financial aid a family receives, but the amount is small compared to other savings vehicles. In fact, assets in a 529 plan receive favorable treatment on the FAFSA. If a dependent student or one of their parents owns the account it is considered a parental asset and will only reduce the studentï ¿ ½s aid package by up to 5.64% of the account value. Other savings vehicles owned by the student, such as an UGMA/UTMA account, will be assessed at 20%. Some might think a Roth IRA is a better option for your clients, since retirement assets are not counted on the FASFA. While this is true, itï ¿ ½s when withdrawals are taken to pay for college that an issue arises. The money withdrawn will be counted as untaxed income in the EFC formula. Withdrawals from a 529 plan (when owned by the student or parent) do not have to be reported on the FAFSA. RELATED: 6 ways to help your clients maximize financial aid 3. I have no advice to offer because my clients should always use their home stateï ¿ ½s plan While 529 plans are administered by the states, you can generally invest in any plan no matter where you live. 34 states, including the District of Columbia, currently offer a state tax credit or deduction for contributions. The majority of these states require that the resident uses his own stateï ¿ ½s plan, but six of these states are parity states ï ¿ ½ meaning you can invest in any 529 plan and still receive a tax break. Yet even if your client does live in a state that offers residents a tax deduction on contributions, their financial advisor should first explore the planï ¿ ½s fees and performance before making a recommendation. Tax benefits donï ¿ ½t always outweigh the costs of poor investment management or high fees. Savingforcollege.comï ¿ ½s State Tax Calculator can help determine just how much their stateï ¿ ½s tax benefit is really worth. RELATED: How much is your clientï ¿ ½s state tax deduction really worth? 4. There are age and/or contribution limits If youï ¿ ½re not familiar with college savings plans, itï ¿ ½s easy to mix up their rules. 529 plans have no age or time limits, which means an adult can open an account and name herself the beneficiary and save any leftover funds for future generations. This differs from a Coverdell Education Savings Account (ESA), which are not available for anyone over age 18, and the funds must be used within 30 days of the beneficiaryï ¿ ½s 30th birthday. Families who save with a Coverdell ESA are also limited to investing just $2,000 per year per child. 529 plans, on the other hand, have no annual contribution limits ï ¿ ½ only lifetime limits, which vary by plan but are typically very high, such as $425,000 in Maineï ¿ ½s NextGen plan. Whatï ¿ ½s more, contributions are considered gifts for tax purposes and will qualify for the annual gift tax exclusion, $14,000 per individual in 2015 ($28,000 for married couples filing jointly). Your clients can also choose to treat their contribution as if it were made over a five-year period, which will allow an individual to shelter up to $70,000 in one year ($140,000 for married couples). RELATED: 10 rules for superfunding a 529 plan 5. 529s donï ¿ ½t offer enough investment options While 529 plans may not offer self-directed investing, todayï ¿ ½s college savers have access to more investment options than ever before. In fact, according to a report from the AKF Consulting Group, the number of individual mutual fund options in advisor-sold 529 plan increased just over 10% from 2010-2012. This provides more opportunity for advisors to help with asset allocation and fund selection throughout the life of the account. Direct-sold plans tend to offer more age-based options, where investments are automatically adjusted as the beneficiary gets closer to college. This type of portfolio is ideal for clients who prefer to ï ¿ ½set it and forget itï ¿ ½. RELATED: Investing trends of 529 college savers 6. 529 plans have high fees - families get ripped off 529 plan fees have seen a dramatic drop in the last decade. According to Savingforcollege.comï ¿ ½s most recent 529 Plan Fee Study, there continues to be a significant decrease in plan fees. In fact, 48 direct-sold plans (without residency requirements) have at least one investment option available with 10-year costs on a $10,000 investment below $500. State treasurers and agencies who administer the plans have been pushing for fee reductions, and investment managers have been willing to accept lower fees as a percentage of assets as the plans grow. This study doesnï ¿ ½t include advisor-sold plans, but there are also ways around paying a sales load. If your client has other investments from the same program manager, such as an IRA or brokerage account, they may be eligible for discounted A-shares when they reach certain breakpoints. Also, fee-based planners can waive the A-share sales load entirely since they charge their own fees based on assets under management or an hourly rate. RELATED: The 15 lowest-cost 529 plans Financial Professional Content For many families, college will be one of the most expensive purchases they ever make, placing it at or near the top of their saving priorities. In fact, paying for college has become the number one financial concern for young parents. Yet while a financial planner helps with things like saving for retirement, insurance, and tax and estate planning, many arenï ¿ ½t talking about 529 college savings plans with their clients. With direct-sold and advisor sold plans available, 529s are a great opportunity for commission-based brokers and fee-based planners to strengthen relationships with existing clients and also grow their business. Itï ¿ ½s time to clear up the confusion about these common misconceptions and see how 529 plans can benefit your clients: RELATED: Is it a mistake not to hire a financial planner? 1. Itï ¿ ½s not worth the time This is probably the most common reason financial advisors donï ¿ ½t like to talk about 529 plans, and it couldnï ¿ ½t be farther from the truth. According to the College Savings Plans Network, as of June 30, 2015 the average 529 account balance reached an all-time high of $20,934 ï ¿ ½ an increase of over 110% since 2002. Whatï ¿ ½s more, advisor-sold plans make up 48% of total market share, which means clients are looking for help from experts they trust. 529 plans are complex vehicles and contain certain attributes that wonï ¿ ½t be found anywhere else in the investing space. Researching all of the plans and investment options available can seem like a daunting task, but Savingforcollege.com offers many helpful resources. For example, the Pro 529 Evaluator allows you to build a customized list of plans based on criteria you select, such as investment management, fees and state tax benefits. RELATED: Study reveals more parents need help with saving for college 2. 529 plan savings have a big impact on financial aid eligibility Yes, a 529 plan will affect how much a financial aid a family receives, but the amount is small compared to other savings vehicles. In fact, assets in a 529 plan receive favorable treatment on the FAFSA. If a dependent student or one of their parents owns the account it is considered a parental asset and will only reduce the studentï ¿ ½s aid package by up to 5.64% of the account value. Other savings vehicles owned by the student, such as an UGMA/UTMA account, will be assessed at 20%. Some might think a Roth IRA is a better option for your clients, since retirement assets are not counted on the FASFA. While this is true, itï ¿ ½s when withdrawals are taken to pay for college that an issue arises. The money withdrawn will be counted as untaxed income in the EFC formula. Withdrawals from a 529 plan (when owned by the student or parent) do not have to be reported on the FAFSA. RELATED: 6 ways to help your clients maximize financial aid 3. I have no advice to offer because my clients should always use their home stateï ¿ ½s plan While 529 plans are administered by the states, you can generally invest in any plan no matter where you live. 34 states, including the District of Columbia, currently offer a state tax credit or deduction for contributions. The majority of these states require that the resident uses his own stateï ¿ ½s plan, but six of these states are parity states ï ¿ ½ meaning you can invest in any 529 plan and still receive a tax break. Yet even if your client does live in a state that offers residents a tax deduction on contributions, their financial advisor should first explore the planï ¿ ½s fees and performance before making a recommendation. Tax benefits donï ¿ ½t always outweigh the costs of poor investment management or high fees. Savingforcollege.comï ¿ ½s State Tax Calculator can help determine just how much their stateï ¿ ½s tax benefit is really worth. RELATED: How much is your clientï ¿ ½s state tax deduction really worth? 4. There are age and/or contribution limits If youï ¿ ½re not familiar with college savings plans, itï ¿ ½s easy to mix up their rules. 529 plans have no age or time limits, which means an adult can open an account and name herself the beneficiary and save any leftover funds for future generations. This differs from a Coverdell Education Savings Account (ESA), which are not available for anyone over age 18, and the funds must be used within 30 days of the beneficiaryï ¿ ½s 30th birthday. Families who save with a Coverdell ESA are also limited to investing just $2,000 per year per child. 529 plans, on the other hand, have no annual contribution limits ï ¿ ½ only lifetime limits, which vary by plan but are typically very high, such as $425,000 in Maineï ¿ ½s NextGen plan. Whatï ¿ ½s more, contributions are considered gifts for tax purposes and will qualify for the annual gift tax exclusion, $14,000 per individual in 2015 ($28,000 for married couples filing jointly). Your clients can also choose to treat their contribution as if it were made over a five-year period, which will allow an individual to shelter up to $70,000 in one year ($140,000 for married couples). RELATED: 10 rules for superfunding a 529 plan 5. 529s donï ¿ ½t offer enough investment options While 529 plans may not offer self-directed investing, todayï ¿ ½s college savers have access to more investment options than ever before. In fact, according to a report from the AKF Consulting Group, the number of individual mutual fund options in advisor-sold 529 plan increased just over 10% from 2010-2012. This provides more opportunity for advisors to help with asset allocation and fund selection throughout the life of the account. Direct-sold plans tend to offer more age-based options, where investments are automatically adjusted as the beneficiary gets closer to college. This type of portfolio is ideal for clients who prefer to ï ¿ ½set it and forget itï ¿ ½. RELATED: Investing trends of 529 college savers 6. 529 plans have high fees - families get ripped off 529 plan fees have seen a dramatic drop in the last decade. According to Savingforcollege.comï ¿ ½s most recent 529 Plan Fee Study, there continues to be a significant decrease in plan fees. In fact, 48 direct-sold plans (without residency requirements) have at least one investment option available with 10-year costs on a $10,000 investment below $500. State treasurers and agencies who administer the plans have been pushing for fee reductions, and investment managers have been willing to accept lower fees as a percentage of assets as the plans grow. This study doesnï ¿ ½t include advisor-sold plans, but there are also ways around paying a sales load. If your client has other investments from the same program manager, such as an IRA or brokerage account, they may be eligible for discounted A-shares when they reach certain breakpoints. Also, fee-based planners can waive the A-share sales load entirely since they charge their own fees based on assets under management or an hourly rate. RELATED: The 15 lowest-cost 529 plans

The Varying Causes And Effects Of College Mergers

Literature Review The Varying Causes and Effects of College Mergers Philadelphia University, a notable design school, and Thomas Jefferson University, a notable medical school have merged. The two universities vary in numerous ways; however, like many universities across the United States that have been merging into larger institutions, a mediation of the two universities was reached. Philadelphia University has a deep credited history in the design field. Specifically, what the school was founded on, textiles. Today, the school offers a large range of degrees from health sciences to architecture. With a small student body, including graduates, the school has close interactions with students, professors, faculty, and alumni (PhilaU.edu,†¦show more content†¦The review and analysis of various studies, spanning across many demographics has uncovered a multitude of opinions that can then be related to the overall causes and effects of mergers across higher education institutions. University Community Effects of Mergers in Colleges The merger of a smaller college into a larger one, is bound to bring inevitable change to student life and activities. Sandra Grey (2015) discusses the loss of autonomy in her analysis of university mergers and noted that many mergers require constant dialogue between the administration and the students, which is usually absent. The amount of teaching resources most often decrease because professors have increased responsibilities; creating new curriculum and teaching more courses; during times of college mergers and often are not able to dedicate as much time into their class as they would like to. During involuntary mergers (those done for financial reasons), the alumni network of a university decreases, which in turn has an adverse effect on student life. â€Å"Consequently, individual students in merged colleges may feel more alienated, which reduces attainment and increases the risk of dropout.† (Capuccinello, 2014). Lisa Wolf-Wendel (2009) explains an opposite phenomenon in her work,Show MoreRelatedInvestment Banking Analyst Career Essays1485 Words   |  6 Pageswhere people play solitaire on their computer all day, but it is definitely not. â€Å"On your bad trips you scratch your eyes out and jump off buildings† (DeChesare). Even though being an investment banking analyst is challenging, this job has a positive effect on the society as well as to ourselves. This job strike a positive impact to the society by helping citizens, investors, as well as government agencies in making good investments. Clients can vary from wealthy investors to government agencies thatRead MoreEssay about â€Å"Utah Symphony and Utah Opera: a Merger Proposal†14805 Words   |  60 Pagesâ€Å"Utah Symphony and Utah Opera: a Merger Proposal† Financial Strengths and Weaknesses of the Utah Symphony Before the Merger The financial state of the Utah Symphony before the merger was grim. 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I Outline the four components of emotional intelligence. I Summarize the effects of job dissatisfaction in terms of the exit-voice-loyalty-neglect model. I Compare the effects of affective and continuance commitment on employee behaviour. I Describe ï ¬ ve strategies to increase organizational commitment. I Contrast transactional and relational psychological contracts.Read MoreTim Horton S Case Study3647 Words   |  15 Pagesstrategy that is chosen, the expansion could potentially change the two restaurants from only having individual, stand alone companies, to perhaps hybrid Burger King/Tim Hortons stores throughout the US markets. This change would have considerable effect on the way both conduct business and customer opinions. Top management must also ensure that successful adjustments in company operations are made to comply with US political, economical, and legal systems. 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Rather, the important point is that the two streams are complementary: Positivist theory identifies various contract alternatives, and principal-agent theory indicates which contract is the most efficient under varying levels of outcome uncertainty, risk aversion, information, and other variables described below. The focus of the principal-agent literature is on determining the optimal contract, behavior versus outcome, between the principal and the agent. The simple

Titus Essay Example For Students

Titus Essay William Shakespeare’s earliest tragedy entitled Titus Andronicus is one of much action and spectacle. The majority of the characters’ actions are motivated by revenge which is an essential theme throughout the work. Titus Andronicus, unlike all of Shakespeare’s later plays, falls in line with Aristotle’s six elements of tragedy putting plot before character. Characters are developed through the use of action in this work rather than the character determining the plot. Through close examination of the text in Act 4, Scene 1, lines 30-62, the ever-present theme of revenge and constant action can be observed. Sexuality, power and death although honour, and revenge are three essential themes, which are present throughout the entire play. Titus Andronicus invites us to contemplate multiple murders, human sacrifice, severed heads and hands, the rape, murder, and dismemberment of Lavinia, and a cannibal feast featuring Titus crazed cookery of Tamoras sons. In the particular lines previously mentioned, Lavinia has just been raped and had her tongue and hands cut off by the sons of the Goth Queen, Tamora. Motivated by the need to avenge her son’s death, Tamora urges her two sons to take out their lust on the young bride. Each character seems to have their own agenda and pursues revenge until the bitter end. In Shakespeare’s later tragedies, such as Hamlet, characters are revealed through the use of soliloquy or speech rather than spectacle. However, in Titus Andronicus, Shakespeare uncharacteristically uses action in order to reveal the characters. An example of this can be found in Act 4, Scene 1. It begins with young Lucius fleeing from his aunt Lavinia, fearing that she is crazed. However, she merely wants to get to the book he is carrying, Ovids Metamorphoses. She turns through its pages until she reaches the story of Philomela and Tereus (Tereus rapes his sister-in-law Philomela and then cuts off her tongue so that she cannot reveal the crime), which she shows to her father and uncle to indicate what has been done to her. Marcus urges her to carve the name of the culprits in the sand. Holding the staff with her mouth and guiding it with her stumps, she writes, Stuprum Latin for rape Chiron Demetrius. They all kneel and take a vow to not rest until the treacherous Goths have been made to pay with their blood. Here it can be seen that like Aristotle’s poetics, plot is of first importance. The events, which take place and the actions committed by all of the characters, are the determining factors as to how each of them acts individually. As Lavini a is physically pared down, her narrative and thematic importance escalates, drawing our attention to the importance of spectacle on the stage. Bibliography:

The Life Of George Washington Essays - , Term Papers

The Life Of George Washington Flexner, James Thomas. George Washington. Little. 1967 George Wahington George Washington was one of the founding fathers of the United States of America. He served as commander-in-chief of the Continental army during the Revolutionary War, and later served as the first president of the United States. His thoughts and ideas helped mold the United States into the great country that it is today. George Washington was born on February 22, 1732 in Westmoreland County, Virginia. He was the eldest son of Augustine Washington and Mary Ball Washington. He received no formal education, but he read geography, military history, agriculture, deportment, and composition. Washington later developed a powerful and convincing style of speech and writing. He enjoyed sports and social occasions, and he later became a surveyor for landowners on the Virginia frontier. George Washington was elected president of the United States in 1789, and in New York City on April 30, 1789, he took the oath of office as President of the United States at age 57. He was extremely influential in the initial operation of the new government. After the ballot he wrote, My movements to the chair of government will be accompanied by feeling not unlike those of a culprit, who is going to the place of his execution. Washington's task was to organize a government but also create a role for the highest officer of the new nation. Both tasks earned him enemies. One of Washington's first duties of office was establishing a cabinet. He appointed Alexander Hamilton secretary of treasury and Thomas Jefferson secretary of state. Washington allowed Jefferson to pursue a policy of seeking trade with European nations. Hamilton proposed important ideas such as a funded national debt and the creation of the Bank of the United States. The first United States census was taken in 1790 which showed the population to be four million. He created departments within the government, each with different jobs. The government issued money that was good in all states. President Washington also helped plan a new capital for the nation that was named Washington in his honor. Also, Vermont and Kentucky were added as states in 1791 and 1792 respectively. George Washington reluctantly agreed to serve a second term as president, even though he wanted to go home to Mount Vernon. An outbreak of war in Europe plagued Thomas Jefferson's foreign policy design. Alexander Hamilton formed a pro-British foreign policy during Washington's second administration. Jay's Treaty of 1795 settled outstanding American differences with Great Britain. This treaty was extremely controversial, although the treaty was passed by a narrow margin in both the Senate and the House of Representatives. The Whiskey Rebellion in western Pennsylvania against a federal excise tax was his critical domestic challenge. He himself rode partway to the field at the head of the militia that was raised to put down the rebellion. Washington reorganized his cabinet in 1795, and Tennessee became a state in 1796. He was asked to return for another term as President, but he declined. Washington carefully planned a farewell speech to mark the end of his presidency, and issued his farewell speech on September 7, 1796. He was succeeded by his vice-president, John Adams the following March 4. He then retired to Mount Vernon, where he died two years later on December 14, 1799 at the age of 67. George Washington remains one of the most important figures in the history of the United States of America. Washington's accomplishments are and will continue to serve as precedents for future Presidents. I feel that his two terms in office as the President of the United States were the most important periods in the history our country. He shaped the government that we live under today, and if not for him, our government might be completely different.

Free Essays on Media Violence

Two hundred thousand.........................................believe it or not, by the age of eighteen, the average American child will have witnessed this many dramatized killings (Television 1). The glamorization the media gives to violence is polluting children’s thoughts and desensitizing them to reality. One reason, among many others, the media has this control, is because parents do not censor enough violence from their children. Most parents respond by claiming that their eight year old son or daughter could never become one of those serial killing, stalkers on the news every night (Gerdes 108). The fact is that some of these kids do end up robbing, stealing, degrading women, and killing. A child’s innocence makes him/her all the more vulnerable to violent television programs and movies and explicit lyrics and novels. Studies have repeatedly shown an increased aggressiveness among children exposed to larger quantities of violence. It cannot be argued then, that d ue to the influence the media has on children, Americans must resolve to oppose violent acts portrayed in the media. Before interpreting the media’s effect, it is crucial to understand what it is, how it works, and where it comes from. According to the American Heritage Dictionary, media can most basically be defined as a way of mass communication. Now it a reasonable question to wonder why television ads are the most expensive and profitable? TV reaches more people than any other media source out there, so if a commercial does not make persuade people to buy the product, the money spent on it would not be worth it. Just the same, crime on television must be sold to the audience or the show would not be productive. A shocking statistic that proves television’s dominance over society is that the average American watches approximately 1,669 hours of TV each year and sixty six percent of American children have TVs in their room! (Katz 1) When the hours are tallied... Free Essays on Media Violence Free Essays on Media Violence Two hundred thousand.........................................believe it or not, by the age of eighteen, the average American child will have witnessed this many dramatized killings (Television 1). The glamorization the media gives to violence is polluting children’s thoughts and desensitizing them to reality. One reason, among many others, the media has this control, is because parents do not censor enough violence from their children. Most parents respond by claiming that their eight year old son or daughter could never become one of those serial killing, stalkers on the news every night (Gerdes 108). The fact is that some of these kids do end up robbing, stealing, degrading women, and killing. A child’s innocence makes him/her all the more vulnerable to violent television programs and movies and explicit lyrics and novels. Studies have repeatedly shown an increased aggressiveness among children exposed to larger quantities of violence. It cannot be argued then, that d ue to the influence the media has on children, Americans must resolve to oppose violent acts portrayed in the media. Before interpreting the media’s effect, it is crucial to understand what it is, how it works, and where it comes from. According to the American Heritage Dictionary, media can most basically be defined as a way of mass communication. Now it a reasonable question to wonder why television ads are the most expensive and profitable? TV reaches more people than any other media source out there, so if a commercial does not make persuade people to buy the product, the money spent on it would not be worth it. Just the same, crime on television must be sold to the audience or the show would not be productive. A shocking statistic that proves television’s dominance over society is that the average American watches approximately 1,669 hours of TV each year and sixty six percent of American children have TVs in their room! (Katz 1) When the hours are tallied... Free Essays on Media Violence America’s Road to Independence: In the year 1783 the Treaty of Paris was signed, granting America their freedom from Great Britain. There were many reasons why the colonists wanted their freedom and separation from their mother country of England. Great Britain laid down many laws and Acts which were the main reasons leading up to the revolutionary war, otherwise known as America’s War for Independence. For eleven years even before the actual revolution started, Great Britain bullied the thirteen original colonies with several harsh acts and proclamations. The Proclamation of 1763 came first. It prohibited settlements west of the Appalachian Mountains and trading in that area without a license. Less than a year later the Sugar Act was passed. It lowered taxes on molasses, but put new taxes on wine, coffee, cloth, and of course sugar. Colonists reacted to this harsh act by smuggling in the goods they needed. This way they did not have to pay the tax and it was much cheap er for them. In 1764 the Currency Act was passed. This prohibited colonies from issuing paper money and required all of the debts to be paid for in gold. In 1765 the Stamp Act was passed which required all written materials to be printed on stamped paper including newspapers, birth, marriage, and death certificates (King, McRae, Zola 95). These items were many of the basic necessities, which made the tax even more realistic. The colonists reacted to this act by forming a Stamp Act Congress. Nine colonies of thirteen showed up and all wanted representation (Dadante, 25 September 2000). These three acts were the start of the build up towards the war. In 1765 the Quartering Act was also passed requiring colonists to house and feed the British soldiers. Colonists did not want them in their homes so they taxed themselves to build barracks for the soldiers. A year later the Stamp Act was repealed because of the violent acts that the Sons of Liberty committed, a violent libe... Free Essays on Media Violence â€Å"The average child watches 21 to 23 hours of television per week...the average person has viewed around 200,000 acts of violence by the time he reaches 18 years of age† (Steele). Lights, camera, action! â€Å"Jerry, Jerry, Jerry† is the chant heard from the audience as The Jerry Springer Show begins each day at 2:00pm on the Fox television network. In a recent episode titled â€Å"Sexy Stories†, which aired on July 11, 2 women stripped down to their undergarments and were romantically involved in a kitty pool filled with whip cream. They poured chocolate syrup all over each other and ate strawberries and bananas while the Springer crew poured nuts all over them. They basically became human sundaes while the audience chanted â€Å"we love lesbians!† While this ridiculous banana split session was going on, the husband of one of the women in the pool was trying to fight the other woman, but was restrained by Springer security. Undoubtedly, there w ere children home alone watching the sho! w, viewing the violent and distasteful behavior that always dominates The Jerry Springer Show. Television networks should not air violent and inappropriate shows such as The Jerry Springer Show at times when unsupervised children are likely to be watching. Violent behavior is prevalent on The Jerry Springer Show. Fistfights are normally broken up quickly, but the hatred and anger shown by the guests is not something children should be witnesses to. Benjamin Spock, M.D., in his book titled â€Å"Problems of Parents† writes, [A certain number of judges, prosecutors, and psychiatrists have been impressed with the frequency with which a severe delinquent, asked in court where he ever got the idea for his crime, has promptly answered, â€Å"On a television program†] (Spock 253). Violent behavior definitely has a negative effect on children. It may even affect the way their young brains perceive behavior. Robert Steele writes, â€Å"children repea...

Communication strategy for Audi Essay Example | Topics and Well Written Essays - 2000 words

Communication strategy for Audi - Essay Example What is meant by this is application of the appropriate media and messages with the aim of communicating the information to the targeted UK market successfully. There are basic things that may be needed by customers from different places in the UK. Despite their needs their preferences and tastes of a product always vary from one customer to another. The explanation for the difference lies in geographic, culture and socioeconomic environments. These are state in which the goods are consumed. The sociological and location factors influence the consumer’s behavior and directly apply to communication. Audi has got many customers in UK market inclusive of billionaires, and others are aged below 30 years. The statistics have been pointed out specifically to show that customers in this market change. Studies done in the past have revealed that decision making, purchasing criteria and channels of communication are different with the younger customers than the generation of the past w ho got wealth in the post cultural revolution. Although the currently rich customers in their 50’s make major targets for Audi products, a marketer should be in a position to forecast future developments. The main purpose of this report is to establish the targeted customers, their ways of processing information, how they use their personal and mass communication and their attitude to Audi products. Discussion The significance of implication of good strategies in communication marketing strategies by Audi is essential. Effective communication to the targeted market will grow into a critical state. The behavior of a consumer can be narrowed down to how the customers process information, the process of making a decision and their culture (Kotler & Armstrong, 2004). Due to the difference in consumers, there must be a difference in marketing communication. Marketing communication is a process of management whereby the consumers communicates with an organization. It incorporates p ersonal and mass communication at various levels of the process. Personal communication is communication in marketing on how information is relayed to a consumer by the sales person. In addition to that, it is concerned with how media information is interpreted. Mass communication is communication in the market on different means through which firms convey information via mass media directed towards a large portion of the population. Based on Audi, the main reason for this report is to help understand Audi’s behavior on the grounds of its purchase, which defines a perfect strategy in marketing communication. This report will be divided into five. These are the Audi market, behavior of the consumer, market differences, market communication and the findings which to recommendation. Audi brand Horch one of the starters of Audi is also a founder of the automotive industry in German. This firm was situated in Saxony which is town well known of technology. In 1989, this firmâ€℠¢s yearly sales exceeded 100 for the first moment. In 1909, due to the misunderstandings between the supervisor and the board, Horch resigned from this firm and instantly started another company. Horch being the initial firm’s name was changed to Audi which was a Latin word having the same meaning as Horch. The development of Audi as a brand cannot be separated from the hard work and operations of Horch. From the time Audi came into existence, Horch made his point of attraction, which is the production of high quality. As his firm’s appearance, technology and performance improved Audi also earned a name. In 1969, the Volkswagen group under Audi with the support of finance by the

Case in technical and ethical issue of financial accounting Study

In technical and ethical issue of financial accounting - Case Study Example A reflection of imperfect information on the financial records can affect the concurrent transactions and cost. Accountants are guided by a set code of ethics in their roles. Ethical behavior among accountants is vital to prevent fraudulent activities and gain public trust in the management of any business venture (CIMA, 2010). Professionals serving in the accounting department have a great responsibility to the public in general. Public trust emanates mostly on the information given to them by accountants. Based on the case of JINX Magazine Corporation, the operating manager persuades the accountant to fulfil his request by giving a contradicting financial statement. The conduct is against the norms and ethics that should be upheld by accounting professionals. Accountants have an ethical obligation not to present erroneous and conflicting statements intentionally. There is no justification in supported of professional accountants’ conduct that defies the rules of accounting. They should not do that irrespective of any compulsion from the authority or other parties. Furthermore, accoun tants should observe ethical conduct by maintaining records that are not falsified. Chartered Institute of Management Accountants (CIMA). (2010). Code of ethics. Retrieved April 3, 2015 from

Global Perspective on Health Policy Essay Example for Free

Global Perspective on Health Policy Essay Introduction A macro perspective on health policy issues can be helpful to identify how problems become policy issues and how these issues result in the creation of health care policy. The neglected epidemic of Chronic Disease also known as non- communicable diseases are a controversial issue that needs to be addressed in the world. In this paper, the writer will provide an explanation of how this issue has resulted from a policy’s creation. Identify the steps in the state and federal policy development process. Furthermore, differentiate between policy development and implementation. Also, explain how stakeholders become involved in the process and why their voices often become a driver for change in health policy. What is Chronic Disease? Non-communicable diseases (NCDs), also known as chronic diseases are not transferred from person to person. They are slowly progressed over time. The four main kinds of non-communicable diseases are cardiovascular diseases such as strokes or heart attacks, any type cancer, chronic respiratory diseases like chronic obstructed pulmonary disease and diabetes. Other Chronic Diseases that affect many Americans are, Obesity and Overweight, Asthma, Epilepsy, Food Allergies, Glaucoma, Alzheimer’s, and Heart Disease (Non-communicable diseases. 2014). A Chronic Disease is a long-term illness that can be controlled, but not healed. The worldwide population is affected by chronic diseases. In the United States, chronic disease is the leading cause of disability and death that accounts for 70% of all deaths. Out of these premature deaths, 90% effect low- income and middle-class population. The World Health Organization shows that chronic illnesses are also the main reason for untimely deaths everywhere, even in places where communicable ailments are widespread (What is Chronic Disease?. 2011). According to the article, chronic disease is the most preventable and can be successfully controlled, and they are also very costly health issues and the most common. With the proper care and treatment, these long-term diseases can be controlled (What is Chronic Disease?. 2011). The Epidemic of Chronic Disease In today’s society, Chronic Disease is responsible for an enormous percentage of diseases in people. Non-communicable diseases affect all regions of the  world and age groups. People before the age of 60 attribute to 9 million of the deaths associated with chronic disease. Even though Chronic Disease are a huge problem in low-income areas, these diseases and risk are not exclusive to more wealthy Americans (Horton, R. 2005). The most vulnerable to the risk factors that contribute to chronic diseases are adults, elderly and children. Studies prove that it comes from unhealthy diets, exposure and use of tobacco products, not regularly exercising and harmfully using alcohol. Non-communicable disease are driven by aging and the globalization of unhealthiness in our lives (Non-communicable diseases. 2014). The globalization of unhealthiness like eating unhealthy can result in high blood pressure, overweight and obesity, high blood glucose levels, and higher blood lipids. Many of these risk factors can be lead to cardiovascular disease, which is a common NCD (Non-communicable diseases. 2014). The Center for Managing Chronic Disease (CMCD) aims help in the effectiveness with management and prevention in chronic disease. The main goal of CMCD is to help people at risk, or that are most vulnerable. Conducting advanced research and publicizing the results to aid in policy change and practices (What is Chronic Disease? 2011). On September 2011, a meeting with the UN High Level on Non-Communicable Diseases was an exceptional chance to produce a sustained global drive contrary to preventable disease and disability, premature death for chronic diseases, like stroke, cancer, heart disease and respiratory disease and diabetes. This is an increasing global threat in NCDs that is a barrier to developmental goals. These development goals include health equity, poverty reduction, human security and economic stability (The Lancet. 2011). Policy Making Process. In healthcare, Chronic Disease epidemics cause many threats to the world. In response to the crisis, The Lancet NCD Action Group and the NCD Alliance has proposed five priority actions. Which are: â€Å"Leadership, prevention, treatment, international cooperation, and monitoring and accountability—and the delivery of five priority interventions—tobacco control, salt reduction, improved diets and physical activity, reduction in hazardous alcohol intake, and essential drugs and technologies (The Lancet. 2011).† The import involvements were chosen for their health paraphernalia, cost-value, small costs of implementation, and political and financial achievability. Tobacco control  is the most urgent and immediate priority. They have propose a goal for 2040 that in essence the world would be free from tobacco where fewer than 5% of people engaged in tobacco use (The Lancet. 2011). Policy problems are identified by many factors that include methods that include getting issues on the political agendas and removing them. The first step in the Policymaking Process is agenda setting. Agenda setting is all about decision-making in the first phase of the policymaking process. To be considered on the agenda, difficulties must arise to policymakers’ attention. Healthcare problems are highly visible, because the affect the nation, whereas major problems no relating to health are considered invisible to make the agenda (The Lancet. 2011). The Policymaking process discusses the precise decisions and procedures that are required for a policy to be considered, proposed and implemented. This process is an interactive progression with various points of access that provides opportunities to impact the many decisions (Politics and the Policymaking Process. n.d.).Policymaking process is an interactive process with several points of entree that provides chances to influence the decision-making processes involved in each of the stages. Furthermore, there are three phases of policymaking: the implementation phase, the formulation phase, and formulation phase (Politics and the Policymaking Process. n.d.). Policy development and implementation. During Policy Development, policies may be developed and applied at several stages and may vary from formal reg ulations and legislation to the informal procedures by which governments function (Policy Development. n.d.). An example of policy development would be in government policy that is related to youth, children and health developed at national and federal; territorial and provincial; community, local and district; or international levels by elected executives transversely with a quantity sectors that includes education, health, social services, finance, recreation and labor. Additionally, policy development time frame is determined by various factors that include government agendas and media attention. (Policy Development. n.d.). On the contrary, Policy implementation involves putting implemented policies into play. Success from implementation is depends on three essential elements. First element is the state or president and government officials locally, must pass down polices to the proper agency with the government bureaucracy (Policy Implementation   Boundless Open Textbook. n.d.). The second element that is essential to policy implementation is strong interpretation. Meaning that legislative intent need be deciphered into functioning guidelines and agendas. The concluding element necessary in operative policy implementation is also challenging to achieve. Dedication of assets to implement policy beneath the primarily element must be combined with organization of the policy with enduring processes (Policy Implementation Boundless Open Textbook. n.d.). Stakeholders in Healthcare. A Stakeholder involvement in planning, management policymaking has be brought on by new general development models. These models seek a different role for each state based on consensus, pluralistic structures and political legitimacy. Stakeholder contribution can be categorized into three forms: cooperative, instructive and consultative (Involving Stakeholders in Aquaculture Policy-making, Planning and Management. n.d.). In Cooperative involvement primary stakeholder act as companions with government in the decision processing. Consultative involvement is where government makes the primary decisions and stakeholders still have influence in the outcome and processes. Last, in Instructive involvement the government makes the choices but apparatuses occur during information interchange (Involving Stakeholders in Aquaculture Policy-making, Planning and Management. n.d.). Conclusion. The macro perspective on health policy issues can be helpful to identify how problems become policy issues and how these issues result in the creation of health care policy. Chronic diseases impact the healthcare industry in many ways. This controversial issue impacts all age groups. The Center for Managing Chronic Disease (CMCD) helps with management and prevention in chronic disease. This paper, provided an explanation of how the epidemic of Chronic Disease has resulted from a policy’s creation. Moreover, identified the steps in the policy development process. Furthermore, differentiated between policy development and implementation. Also, explained how stakeholders become involved in the process and why their voices often become a driver for change in health policy. References What is Chronic Disease?. (2011). The Center for Managing Chronic Disease. Retrieved October 13, 2014, from  http://cmcd.sph.umich.edu/what-is-chronic-disease.html Horton, R. (2005). The Lancet. The neglected epidemic of chronic disease : The Lancet. Retrieved October 13, 2014, from http://www.thelancet.com/journals/lancet/article/PIIS0140-6736%2805%2967454-5/fulltext#bib4 Non-communicable diseases. (2014). WHO. Retrieved October 13, 2014, from http://www.who.int/mediacentre/factsheets/fs355/en/ The Lancet. (2011). Priority actions for the non-communicable disease crisis: The Lancet. Retrieved October 14, 2014, from http://www.thelancet.com/journals/lancet/article/PIIS0140-6736%2811%2960393-0/abstract Policy Development. (n.d.). A Brief Guide to Understanding Policy Development. Retrieved October 10, 2014, from http://www.ruralnovascotia.ca/documents/policy/understanding%20policy.pd Politics and the Policymaking Process. (n.d.). The Policymaking Process. Retrieved October 12, 2014, from http://www.pearsonhighered.com/assets/hip/us/hip_us_pearsonhighered/samplechapter/0205011616.pdf Policy Implementation Boundless Open Textbook. (n.d.). Boundless. Retrieved October 15, 2014, from https://www.boundless.com/political-science/textbooks/boundless-political-science-textbook/domestic-policy-15/policy-making-process-95/policy-implementation-516-6175/ Involving Stakeholders in Aquaculture Policy-making, Planning and Management. (n.d.). Involving Stakeholders in Aquaculture Policy-making, Planning and Management. Retrieved October 15, 2014, from http://www.fao.org/docrep/003/AB412E/ab412e32.htm

Outside the Law: Women Criminals in Arizona History :: Essays Papers

Outside the Law: Women Criminals in Arizona History Throughout history, men and women have often been stereotyped into specific roles. Men have frequently been characterized as being more forceful and violent than their female counterparts. Men have also often been portrayed as adventurous pioneers while women were considered to be more frail and delicate. Nowhere has this stereotype been more prevalent than in Arizona history. In the years before statehood, Arizona's reputation as part of the "Wild West" was legendary. From stagecoach robberies and saloon fights to the shootout at Tombstone, the early days of the Arizona territory are filled with stories of the good, the bad, and the ugly. Of course, most of these stories involve the men of Arizona history. Men were typically cast both as the mysterious bad guys who robbed the stage, and as the noble sheriffs who struggled to uphold the law. Women, when they were remembered at all, were most frequently cast as virtuous pioneer women, struggling to retain femininity in the rough Arizona frontier, or as wanton saloon women with few redeeming characteristics. As can be expected, however, most of these stereotypes of women in Arizona history are sorely misguided. It is true that women in the nineteenth century were expected to abide by certain standards of 'womanhood'. According to Paul Knepper in his article, "The Women of Yuma: Gender, Ethnicity, and Imprisonment in Frontier Arizona, 1876-1909", these standards were "...the cardinal virtues of submissiveness, piety, purity, and domesticity" (241). Women in the Arizona territory had the doubly difficult duty of being expected to abide by these standards of womanhood while simultaneously fighting an undeveloped territory where any signs of weakness were shunned. There was a group of women in nineteenth century Arizona who did not fit this stereotype of female passivity and decorum. These were women who, for one reason or another, broke the law and were branded as criminals. Some of these women broke the law deliberately with shocking disregard to personal life or property. Others broke the law reluctantly, only trying to feed themselves or their families. Yet others were victims of an unfair morality bias against women. When they were punished for their crimes, some of them received leniency from the court based on their gender, while others were made to suffer horrible indignities because the system had no place for women criminals.

Ciscos Organizational Change

Cisco Background Cisco is an IT enterprise that was founded in 1984 by Leonard Bosack and Sandy Lerner. Bosack and Lerner eventually got married and were the first to develop a multi- protocol router. McJunkin and Reynders (2000) describes the multi-protocol router as â€Å"a specialized microcomputer that sat between two or more networks and allowed them to talk to each other by deciphering, translating, and funneling data between them† (Mcjunkin & Reynders, 2000). The organization was responsible for opening and linking all the computer networks around the world together.This linking of all the computer networks was much like the way telephone networks are linked around the world. The local-area network (LAN) was the first market Cisco competed in and offered quality routers which became the â€Å"traffic cops of cyberspace† (Mcjunkin & Reynders, 2000). Cisco eventually became the leaders in this market with their data networking equipment and by 1997, McJunkin and Re ynders (2000) states â€Å"80% of the large scale routers that powered the Internet were made by Cisco† (Mcjunkin & Reynders, 2000).As the global Internet grew Cisco began to expand its product line, which included a wide range of networking solutions. Website management tools, dial-up and other remote access solutions, Internet appliances, and network management software were all apart of this expansion. In 1990 Cisco market value was an astonishing $222 million and the organization continued to grow into a multinational corporation with over 10,000 employees. Cisco revenues had more than tripled by 1997 and â€Å"revenues had increased over ninety-fold since the IPO, from $69. 8 million in fiscal 1990 to $6. billion in fiscal 1997† (Mcjunkin & Reynders, 2000). Organizational Problem Cisco is now a large IT enterprise with over 300 locations in 90 countries with a framework that makes its operation more efficient and responsive. The structure of Cisco is comprised of â€Å"46 data centers and server rooms supporting 65,00-plus employees† (â€Å"How Cisco IT†, 2009). The traditional structure of Cisco is one that has staffers doing both implementation and operational work. The traditional structure of Cisco was one that caused staffers to drop operational projects to complete deployment.According to Cisco â€Å"with the traditional organizational arrangement, there was much duplication of effort and lack of focus across the organization† (â€Å"How Cisco IT†, 2009). Cisco’s original organizational model (see exhibit 1) was comprised of regional network teams and regional voice teams. These teams were accountable for all aspects of operating and implementing services and their environment. A change in the organization was needed in order for Cisco to attain the levels of efficiency, additional scalability and agility the IT enterprise needed.The main challenge Cisco faced during this change process was the need f or the IT Network and Data Center Service (NDCS) to become more organizationally focused. Within Cisco there is an advanced service called Network Availability Improvement Services (NAIS), which identifies areas within the organization that need change. In order to do this NAIS â€Å"assesses and remediates the people, process, and tools needed to mitigate operational risk and network complexity by running an Operational Risk Management Analysis (ORMA)† (â€Å"How Cisco IT†, 2009).For the issue lack of focus, NAIS began by â€Å"interviewing business and IT leaders and senior engineers, and then gathers technical, process, tools and organizational documents and templates†. An assessment is then developed by NAIS, which outlined an achievable vision and a detailed road map for NDCS to follow (â€Å"How Cisco IT†, 2009). Organizational Change After the ORMA report vice president of NDCS John Manville had to restructure the NDCS department to â€Å"map to i ts own lifecycle business model† in order to solve the problems the department was facing (â€Å"How Cisco IT†, 2009).The new business lifecycle model the NDCS department had to map to was comprised of six phases; Prepare, Plan, Design, Implement, Operate, and Optimize. Manville’s approach to restructuring the NDCS group to improve efficiency and focus was an Action Research Approach. McShane and Steen (2009) define action research as â€Å"a problem-focused change process that combines action oriented and research orientation† (McShane & Steen, 2009). Manville formed a client-consultant relationship with the NAIS department within Cisco, which then determined the readiness for change in NDCS.NAIS then diagnosed the need for change after the department gathered and analyzed sufficient data to show the lack of focus and duplication of effort within NDCS. The NAIS department â€Å"begins the process by interviewing business and IT leaders and senior enginee rs, and then gathers technical, process, tools and organizational documents and templates† (â€Å"How Cisco IT†, 2009). The introduction of the restructuring intervention is an action that was needed to correct the problem NDCS was facing and to build a better organizational structure. Manville introduced this intervention to the department by testing the lifecycle methodology within it.This intervention involved â€Å"moving some resources from the former engineering and operations teams to the new implementations team† (â€Å"How Cisco IT†, 2009). This change was key to the operations team gaining more focus on task and not being distracted by deployments. The implementation of this change was over two years, which means that Manville’s restructuring was incremental. McShane and Steen (2009) define incremental change as when an â€Å"organization fine-tunes the system and takes small steps toward a desired state† (McShane & Steen, 2009).The change to the NDCS department was stabilized and results shows that the change was effective. The maturity of the department improved significantly from 2006 to 2008 (see exhibit 3). The results also showed that before this change was introduced in NDCS there were â€Å"150 client-impacting incidents per quarter† and a â€Å"defective root cause percentage consistently above 40 percent† (â€Å"How Cisco IT†, 2009). After this change was introduced, focus on operation excellence improved with client-impacting incidents reducing to 70 per quarter and defective root cause percentage is consistently below 10 percent (â€Å"How Cisco IT†, 2009).Not only did the maturity of the department improve through this change process but also customer satisfaction (see exhibit 4). Cisco (2009) explains, â€Å"NDCS has achieved customer satisfaction scores of 4. 856, with 5 being the best possible score† (â€Å"How Cisco IT†, 2009). Conclusion Cisco was abl e to improve efficiency, focus and results delivered each quarter by the NDCS department through organizational restructuring and change. Shawn Shafai, an IT manager of Network Services at Cisco stated, â€Å"The new organizational structure gave us the opportunity to focus on our core operational work.Our critical metrics quickly displayed the positive results from these changes, and outstanding results started consistently being delivered quarter after quarter† (â€Å"How Cisco IT†, 2009). The unfreezing of the organizational structure by Manville was essential to implement change in NDCS. After the results from restructuring NDCS were effective NAIS and Manville decided to refreeze the changes in order to reinforce and maintain the desired behaviors. Exhibit 1 Cisco’s original Organizational Model Exhibit 2 NDCS Lifecycle Model Exhibit 3 Cisco’s improvement from 2006 to 2008Exhibit 4 NDCS Customer Satisfaction References McShane, S. L. , Steen, S. L, ( 2009). Canadian Organizational Behaviour 7th Edition. McGraw-Hill Ryerson. McJunkin J. , and Reynders, T. (2000). Cisco Systems: A Novel Approach To Structuring Entrepreneurial Ventures. Retrieved from gsbapps. stanford. edu/cases/documents/EC%2015. pdf (2009). How Cisco IT implemented Organizational Change and Advanced Sevices for Operational Success. Retrieved from http://www. cisco. com/web/about/ciscoitatwork/downloads/ciscoitatwork/pdf/NDCS_Restructuring_AdvSvcs_Case_study. pdf

Is Barbie Ever Be The Enemy - 1255 Words

One may ask themselves, how can Barbie ever be the enemy. She is the top selling doll in the world, her franchise is worth over a billion dollars, and 99% of girls from the ages three to eleven has owned a Barbie doll according to (Barbie Media). Also, recent studies have shown that the average American girl between the ages of three to eleven owns ten Barbie dolls, according to â€Å"Barbie† by Sara Pendergast. So, what has led to so much controversy towards the beloved Barbie. Well, the major obsession regarding female’s exterior appearance and self-esteem is playing a huge role and Barbie is to be blamed. The power of Barbie over young female’s self-esteem, has a lot more impact than the president himself. When one enters a discussion about†¦show more content†¦According to National Eating Disorders, â€Å"The rate of development of new cases of eating disorders have increased since the 1950’s†. Also, â€Å"In U.S., 20 million women and 10 million men suffer from a significant eating disorder sometime in their life.† Which includes anorexia nervosa, bulimia nervosa, and binge eating disorder. As well as Alliance for Eating Disorders Awareness reporting the statics that â€Å"currently 70 million people worldwide suffer from eating disorders like anorexia and bulimia and about 90 percent of those with eating disorders are young women between the ages of 12 and 25†. Also, to remember that these are the same women that grew up playing with a Barbie doll or two when they were a little girl. These same women that grew up playing with Barbie are at an extremely high risk to be effected with an eating disorder due to so many years being associated with Bar bie. 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