Planning Retirement Essay -- essays research papers

People of all ages should begin planning for retirement and managing their money well so they are ensured enough income when they do retire. Retirees estimate that people will need 71% of their pre-retirement income to maintain their current lifestyles. Stocks and 401(k) plans are recommended.FactsNonretired Americans with household incomes that average more than $50,000 assumes they won't be able to retire until age 59.More than a third of affluent retirees with children and grandchildren are helping to support them financially, as are 29% of all retirees. Also, nearly a quarter of all retirees whose parents are alive are helping them financially.Fully 48% of the affluent who aren't retired as well as of all people surveyed who aren't retired believe they have to work part time in retirement. Only 23% of well-off retirees and 16% of all retirees polled are working today.Affluent nonretirees estimate they'll need only 53% of their pre-retirement income to support their retirement lifestyles. But well-off retirees say they actually require fully 71%. Fully 25% of affluent nonretirees think it's likely they will run out of money before they die vs. only 12% of well-off retirees.Affluent retirees single biggest regret is failing to put more money in tax-deferred retirees said they invested the maximum the law permits, compared with only 48% of the affluent nonretirees polled.Strategies1. Figure out how much income you'll need in retirement. Retirees told us that to support ... Planning Retirement Essay -- essays research papers People of all ages should begin planning for retirement and managing their money well so they are ensured enough income when they do retire. Retirees estimate that people will need 71% of their pre-retirement income to maintain their current lifestyles. Stocks and 401(k) plans are recommended.FactsNonretired Americans with household incomes that average more than $50,000 assumes they won't be able to retire until age 59.More than a third of affluent retirees with children and grandchildren are helping to support them financially, as are 29% of all retirees. Also, nearly a quarter of all retirees whose parents are alive are helping them financially.Fully 48% of the affluent who aren't retired as well as of all people surveyed who aren't retired believe they have to work part time in retirement. Only 23% of well-off retirees and 16% of all retirees polled are working today.Affluent nonretirees estimate they'll need only 53% of their pre-retirement income to support their retirement lifestyles. But well-off retirees say they actually require fully 71%. Fully 25% of affluent nonretirees think it's likely they will run out of money before they die vs. only 12% of well-off retirees.Affluent retirees single biggest regret is failing to put more money in tax-deferred retirees said they invested the maximum the law permits, compared with only 48% of the affluent nonretirees polled.Strategies1. Figure out how much income you'll need in retirement. Retirees told us that to support ...

Being Thankful for What We Have / “Gratitude”

Being thankful for what we have / â€Å"Gratitude† There are a lot of things in my life that I am thankful for, but most important thing is that I have a great family and loving parents. There are many things that I don’t normally realize which I still take for granted like having my own car and attending Christian Brothers High School. I am greatly thankful for my family because they are always going to be here for me no matter what. Also, my family is loving and always willing to do anything to help me if I am in any need. There a ton of kids in this world that is my age those don’t have a loving family or just not well-off.I have been hoping to attend college and hopefully get a degree in engineering and also a personal trainer. There are many kids my age that can’t attend college because their family can’t afford it. I take many material things for granted that give me enjoyment such as my laptop, iPod, iPhone, my trainer, and a gym membership. I am thankful to have a great trainer and a gym membership so I can get big, bulky, lean, cut, in shape, and to get ready for my competition in May. Also, other thing that I can’t for granted is having my own car to drive to school and take out on the weekend to have some fun or hang out with friends.I am grateful for not having to work and have a job to help support my family. I am grateful for my mom because of all the things and work she does around the house and help out the family as much as she can. She keeps the family rolling/going and always remembers everything when everyone doesn’t have no idea about things. I am grateful for my dad and how much hard work he puts into his farm to give support and good living for the family. I help my mom and dad as much as I can because I will never be able to pay them back for all the things they have done for me.I try to help my family as much as possible to keep it going even when I like it or not. I am grateful to be an bodybuilder and other things I do because I am in good health/shape and be a normal human being without any impairments to my body. I am grateful that my whole family is in the best health as they can be. I am thankful to be able to go on cruises and trips to other countries with my family and be able to enjoy it and have a great time. I am grateful for the great friends that I have fun with, hangout with, and know they will always have my back no matter what it is or what goes down.I am grateful for everything that I have in my life and wish it could always stay the way it is right now. Also, to always love my parents with my whole heart and be there for my friends and family no matter what it is. Hopefully one day that I will have a wife in the future that I will be able to love with all my heart too and be content with everything no matter what it is. I'm thankful for all the beautiful, rich, loving and all the things that I am able to do and have in my life right now. I will alw ays show love, thanks, and appreciation to all the things/gifts that will be giving to me.People just like me need to learn from their mistakes and just grow from them like all the sad, disappointed, and painful things that have had happen to them. When people think that everything that they have or has happen to them or other things is a gift from God which is being thankful and gratitude is. My life and others is like a gift from God because he was the one that brought us to this world. It is great and thankful thing to know God, who/what he has done for us and this world. People shouldn’t worry about anything because God will do the things for us which he thinks is right and will take care of us.God will give/provide the things that everyone should have in life and what is right to have. People know what is right and wrong, so they have no excuse. I said this before but I will say it again I am very thankful for the school I go to, my family, all of my teachers, and my fri ends. God is the main reason why we should thank him because if it wasn’t for him then we won’t be here today and have all the things that we are thankful for like our loving family. Everyone should live every day, one day a time and for the God and Jesus Christ.

Springville Herald Case

The first data we analyzed was which errors occurred most frequently. The above Pareto chart serves to separate the â€Å"vital few† errors from the â€Å"trivial many†. The first 7 types of errors (from left to right) account for 78% of the total service errors. Concentration on eliminating those types of errors is a good first step in minimizing customer service errors and boosting revenue. If you can eliminate less than half of the error types you can eliminate more than 2/3 of the total errors. Next we looked for correlations between the data above and which errors were most costly. We again chose Pareto charts to express the relationships between the types of errors and how much they cost the company. The use of Pareto to express the total cost of each error type is valuable to identify which error types are costing the most cumulatively and also offers some correlations. Again we see the first 7 error types (from left to right) make up a large majority of the money spent correcting errors. 79% in fact. We find that 5 error types: Typesetting, Wrong position, Ran in Error, Wrong ad, and Wrong date occur in the â€Å"vital few† data of both frequency and total cost of errors. Further concentration on these 5 error types will not only go a long way in eliminating the frequency of errors, but will also eliminate a large portion of the total cost associated with service errors. Another important finding in this data is that while copy errors occur most frequently (17% of total errors) they are relatively inexpensive to fix (only 6% of the total cost of errors). So eliminating copy errors will go a long way in improving customer service, but will not have the same impact on the cost of fixing service errors. Examining the cost data further we can see which errors are the most expensive to fix on a per error basis. While Pareto was not necessary to express cost per error (cumulative % is not important in this case), it is the easiest type of chart to read with this much data and serves to show (from left to right) which errors are the most expensive to fix per occurrence. These findings reveal that Ran in Errors are the second most expensive type of error per occurrence. That combined with the fact that we already know Ran in Errors account for the highest total cost of errors (20. %) and are the 4th most frequently occurring (9%) tells us that concentrating most heavily on eliminating Ran in Errors would be the most efficient way to simultaneously improve customer service and cut costs. So let’s took a closer look at Ran in Errors. As you can see, Policy Ran in Errors are the most frequently occurring (53% of total) and by far the most expensive (82% of total). Eliminating these e rrors as quickly as possible would be the most efficient way to achieve the goal of improving customer service and cutting costs. Some information that would be useful to examine would be how the errors interact with each other. Do some errors cause others? Even if no error directly causes another it would be useful to know if eliminating errors that occur at the beginning of the publishing time line would prevent others from occurring due to the nature of publishing them. Also, observe the histogram below. As you can see the number of help desk calls per day is concentrated between 40 and 70 per day. It would be useful to know what errors these calls are in regard to. With the average calls per day known, the Herald can also streamline their customer service department to be able to handle this volume efficiently.

Why Melville Idealizes Life Among the Polynesians essays

Why Melville Idealizes Life Among the Polynesians essays Melville became an explorer of the South Seas in the nineteenth century longing to find his ideal paradise. Escaping his voyage on the Acushnet he set out to explore the Marquesas Islands. Melville never actually recorded his time among the Polynesians until he wrote Typee. Typee had been- a combination of memory, imagination, and research... (Howard, 9). He was then the narrator of his own adventure that led him from being an explorer to being an observer of the native ways. Embarking on the culture of the Polynesians left him with a bias opinion of what their life was. Melville idealizes life among the Polynesians in hopes that he has found his paradise and he sees no reason for the French to try to corrupt their culture in anyway. He finds, outside of civilization, that living among the natives is more of a civilized place than any. While Melville is held captive for four months among the Typees he carefully observes their lifestyle. According to Milton Stern, Melville has four Techniques in gathering his worldly views. All four test reality in terms of experience, not theory, and find transcendental perception a delusion (Bowen, 6). From these techniques he is able to form an understanding of his experiences and implement them into his work. Melville uses reinforcement, almost a form of repetition, where in his observations he finds things to reinforce his views. He suggests man must depend on man, and in that he uses what man gives him to create his works. Melville finds the contrast in his views that help him define what he perceives reality to be. He defines reality in terms of relations, ambiguities, and limitations, not transcendental equations and infinite possibilities (Bowen, 6). In gathering his views Melville denies the whole truth to any individual (Bowen, 72). Melville believes one must have multiple views in order to test reality through multiple viewpoi...

ACT

Is Online Tutoring As Good As In-Person Tutoring For The SAT/ACT SAT / ACT Prep Online Guides and Tips You know you want tutoring...but what kind of tutoring should you go for? How can you really figure out if online tutoring is as good as in-person tutoring? You asked for it, you got it: a side-by-side comparison of online tutoring and in-person tutoring. And by side-by-side, I mean listed vertically, one after the other. I’ll go into where each method excels†¦and where each method falls short.

Critically discuss the extent to which capitalism has affected human Essay

Critically discuss the extent to which capitalism has affected human relationships - Essay Example Under these views capitalism has not a ‘stable’ and ‘standard’ format but tends to alternate in order to be adapted to the current political, social and financial conditions of a specific society. Capitalism can have many aspects; however it has certain characteristics and principles that remain the same throughout the years. More specifically, as Mcintyre (1992, 42) found ‘for capitalism to function smoothly, peoples "needs" must conform to the requirements of the production system; at the same time, Capitals search for ever expanding pools of surplus value requires the expansive manipulation of those needs’. One of the sectors that have suffered from capitalism is with no doubt the human relationships. In this case, capitalism has managed to transform not only the ‘structure’ but also the ‘content’ of the relevant relationships alternating their nature and changing their role. The influence of capitalism on human relationships has been intensive mostly the last years. In this context, Langford (1999, 1) stated that ‘in modern Western societies, couple relationships almost always come into being through a more or less powerful experience of emotional ‘bonding’, infused with erotic attraction; Being part of such a couple is held to be fundamental to our happiness, well-being and sense of place in the world; Reproduction, the family, and to a great extent social life itself, are seen as ideally based upon and around the loving (heterosexual) couple; Thus, while ‘falling in love’ remains something of a mystery, it is generally understood and experienced as a beneficial and foundational life event’. It has to be noticed however that the interpretation of human feelings although presenting above as ‘standard’ and ‘expected’ in many occasions they tend to differentiate in accordance with the politi cal

Alcoholics Anonymous Community Research Paper Example | Topics and Well Written Essays - 500 words

Alcoholics Anonymous Community - Research Paper Example In addition, I realized that it was imperative to trust other people to help me, since I myself am being trained for a profession, which requires me to help other people. Thus, I approached the AA group, with apprehension and hope battling it out in my heart. The first thing one learns at these meetings, are the 12 steps they follow in the process of bringing about sobriety (Alcoholics Anonymous Australia, 2001). First, one has to accept that they have a drinking problem over which they are powerless. Second, they accept that there is a greater power, which can help with the problem. Then, as a third step, the people are to entrust this higher power, God, with the duty of helping them overcome the problem. Then the attention of the person is shifted to themselves, as they are told to look within themselves to perform a thorough and fearless moral inventory of themselves. The fifth step is to admit the wrongs they have found in themselves to God as well as to another human being. Afte r this, the curing begins as they mentally prepare themselves for God to cleanse them of these shortcomings. The seventh step follows, where the person asks God to rid him or her of these flaws. The eighth step consists of spreading the positive change to outside just oneself.