...Many individuals believe they can rely on Social Security to cover their needs when they retire. However, if they do not take the responsibility of planning and saving for their retirement today, they will find themselves working far longer than they expected or living at a lower standard of living. Social Security was introduced during the Great Depression by President Franklin Roosevelt to provide benefits to those who qualify for retirement, disability, and death. The system is set up so that it funds itself. It uses the funds that working individuals pay into it through taxes and pays out to those collecting Social Security. This means that even though working individuals are paying the Social Security taxes today, it does not necessarily mean the money will be available for them to collect when they retire. This is because the money does not go into a retirement account for each individual paying the taxes and saved for their retirement, but instead is used to fund the system for today’s retirees. When the amount collected from tax deductions is greater than the payout to participants, the excess money is saved in the Social Security Trust Fund. Many people believe that relying solely on the Social Security System for their retirement needs is a secure plan. They assume that as people retire, there will always be a younger generation working to fund the system for current retirees’ Social Security benefits. However, this is not exactly the case. As Baby Boomers are retiring...
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...Shah Microeconomics Essay Assignment. 10/23/15 Social Security What is social security? What is the importance of social security in a citizen’s life? Different type of questions occurs when we discuss about the social security. This is one of the problems that United States has faced is their economy, but then again every country faces these kind of problems. Social security future solidity is one of the major issues in United States. What are the requirements for receiving social security benefits? How long do they prolong? Technically social security is a government program that helps workers and retired people and gives them benefit to spend the rest of life. Social security has different types of branches or different types of benefits we can call them. It is not only for retired people, it also helps people with disability, and people with no jobs. The benefits that come with disability and unemployment are limited. For example, its common sense if you find a job back you won’t be getting unemployment benefits, and if people that are disable start to show improvement in their health, their benefits will be terminated. Is the working population big enough to support the social security program for the future? However, there are costs and benefits for keeping this program. Is it possible that something else can be added to the social security program to help people more? Issues A lot of people these days’ worry about how to fix the social security issue. This is totally...
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...and Medicaid programs were created under the social security act to provide health insurance to people with disabilities, low income families, people 65 or older, or people with terminally ill disease. Medicare was once the responsibility of Social security administration, and Medicaid was once the responsibility of the Social and Rehabilitative Service Administration until in 1977 the Healthcare financing Administration was created administer both services. What led the production of these two health insurances was the belief in the 1940s that everyone is entitled to health insurance no matter what, but since then health care cost has risen drastically. Many health care providers are reluctant to offer services or the appropriate services to people with this type of insurance because only a set amount is covered and not all expenses are paid for. In America Medicaid and Medicare provide health insurance to millions of people every day, and it would be devastating if they failed and were no more, throughout this essay I will show shocking statics and facts on both of these health services and how they work. It is important for Americans to be knowledgeable on what our country’s health runs on and how financially Medicare and Medicaid affect our economy (2009 Introduction to the Health Professions (5th Ed.). Medicare is a governmental funded insurance program for individual over the age of 65; 65 and younger with disabilities or a terminal illness and other eligibility requirements...
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...How Gender Inequality Is Explained Sociology How has gender inequality been explained? (Answer with reference to a range of theories and approaches) Critically assess the attempt of one of the feminist group to overcome gender inequality. Social stratification “A system by which a society ranks categories of people in a hierarchy’ (Macionis and Plummer: 2005: 190). Social stratification is common in different aspects throughout society and throughout history some of the most substantial categories affected are class, race, disabilities, sexuality and globally. However this essay shall be investigating the stratification by gender, referred to as gender inequality. There are many reasons for the disparity of gender “...circumscribed by its underlying social, legal, political, economic, and cultural characteristics” (Rives and Yousefi 1997:1). Gender stratification categories people in regard to their ‘sex’, this can be defined as anatomical differences and physiological differences between male and female for example the difference in chromosomes, sex organs and hormones. The word ‘gender’ has been socially constructed through the means of a stereotype and ideology of the social role, identity, position and behaviour of male and feminine through different institutions and aspects like the media, religion, culturally and historically. Up until the era of Suffragettes in the late 19th Century women were always deemed lower than men and inequality was highly significant...
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...An Essay: An evaluation of how workplace practice is influenced and directed by a specific social policy. Social policy is “the theoretical pursuit of norms about how we think society ‘ought’ to behave” (Alcock et al. 2008) in action it consists of plans and interventions put in place by the government and social services to improve the wellbeing of society. There are five main areas influenced by social policies derived to improve services for the classic welfare state namely, education, housing, social security, health and social work. Social policy is intimately concerned with how to address and ameliorate social problems and with the analysis of the success or failure of policies designed to improve welfare and wellbeing (Alcock et all. 2008:2-3) Historically social policy can be seen as far back as 1388 when “attempts were made to fix wages and to limit the mobility of labour which may cause wages to rise” (Alcock, 2008:9) a more methodical system of poor relief was introduced in Victorian times, the Elizabethan Poor Law Acts of 1598 and 1601 to house and provide work for the poor under the direction of local parishes. Following this the Poor Law Amendment Act 1834 set the foundations for social policy and the modern welfare state today by changing the way that poor law was dealt with, it was streamlined into universal laws and principles that towards the end of the 18th century prompted formation of the English government. The...
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...IS27 M 812 3/28/16 In this essay my task is to explain my opinion whether the New Deal was a good deal or not. I am also going to defend my point of view by stating evidence by the documents we’ve gone over during class. Also stating mental knowledge to support my claim of my opinion on the new deal. In my opinion I would say that the New Deal was a good deal because it has made unemployment rates go down and it has not gone up ever since. If one idea didn’t work they would go try a new one. Others thought F.D.R has way too much power and was still asking for more power. Also he had an idea to help senior citizens, kids, and those who have disabilities. When they would help children they would be helped until the age of 18. To prove my point there is a document with a chart of unemployment rates before the new deal, bank failure rates, and the average income and spending rates in 3 different charts. That was in document 1 alone. But in document 5 it shows how unemployment rates have gone up or down from the years 1910-1960. In the years where the New Deal took place the unemployment rate has gone down drastically. Some say that you shouldn’t blame F.D.R for the depression because president hoover had left office during mid depression. This had meant that Franklin Roosevelt had went to office in a hard state where the depression was already into a deep state. In document 7a there is a cartoon named “Oliver Twist”. In thus cartoon it shows F.D.R asking...
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...2013 English 101 Professor Tantalo Essay 3 Love Transcends Gender Most people believe that they deserve the rights that they are granted by the government. An upstanding citizen who pays their taxes, serves their community and abides by the law should be afforded the rights of an American. However, not all citizens are afforded equal rights. Gay and lesbians are consistently denied rights that are typically taken for granted by the average American. Specifically, gay and lesbian couples are denied the right to marry even if they are upstanding citizens and are held at an unfair disadvantage solely because of their sexual orientation. This discrimination must stop because gay and lesbian couples are law-abiding citizens as well, who should be afforded the same rights as heterosexual couples. If same-sex couples are paying taxes to build roads and help public schools like the heterosexual couples, they should be afforded the same rights. One common problem that plagues gay and lesbian couples that are denied the right to marry is their inability to claim their partner’s social security after he or she has died. Currently, there are no programs that give homosexuals survivor benefits like the ones that are provided for heterosexuals who are married or divorced. Gay and lesbian partners are not able to claim benefits of their deceased, regardless of the fact that all working citizens, heterosexual or homosexual, pay into the Social Security system for survivor benefits. Sadly...
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...Personal Responsibility Essay Philip Stansberry GEN/200 - FOUNDATIONS FOR GENERAL EDUCATION AND PROFESSIONAL SUCCESS March 3, 2014 DALYNN CAMPBELL Abstract My Personal Responsibility Essay is a brief look into my background, major changes in the educational landscape, my reasons for attending college, my motivation, and the obstacles that would hinder me from completing my goal. . Table of Contents Table of Contents ....................…………...................................................................................... 2 Personal Responsibility Essay……...................……..…............................................................... 3 References….................................................................................................................................. 6 . Personal Responsibility Essay My arrival at the University of Phoenix came a few years after my retirement plans ran into a pothole. When I say pothole, I should really say canyon. Though, all things considered, my retirement goals were nothing to write home about. I was a migrant nuclear worker, which means I worked infrequently with no substantial retirement benefits. This 30 year continuum had me exhausting my savings during the dry times, thus my earnings never amounted to much towards retirement. I lived an unbalanced middle class existence. My plan for retirement was to simply survive until I was able to collect social security, sell my home, move to...
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...Finance 4510 Exam Two Directions: Pick 10 questions and do a very good job of answering the questions. Essay Questions, not short answer. Reference each question, where you found your answers. Run a spell and grammar check. Discuss the uses of Life Insurance and explain how you would determine how much life insurance a family would need. Discuss the use of Disability Income Insurance and explain how you would determine how much disability insurance an individual would need. Name a category of individuals who might benefit from Disability Income Insurance. Explain why this category might need Disability Insurance. Discuss the use of Property and Causality Insurance and how this is used by a family or individual. Property and casualty insurance is insurance that protects against property losses to one’s business, home or car and against legal liability that may result from injury or damage to the property of others. This type of insurance can protect a person or a business with an interest in the insured physical property against losses. Auto Insurance policies typically cover you and your spouse, relatives who live in your home and other licensed drivers to whom you give permission to drive your car. The policy provides coverage for both bodily injury and property damage liability as well as physical damage to your vehicle. Auto insurance typically covers personal injury, medical payments, uninsured motorist, underinsured motorist, auto rental, emergency road assistance...
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...Bubuleandra Ionut Lucian Address12 Railway Road, B20 3HT, Birmingham, West Midlands, United Kingdom Telephone: 07553778061 E-mail: lucique88@yahoo.com Personal skills • Ability to work on own initiative or part of a team • Effective communication and reasoning skills • Fast learner and easily adaptable • Skilled in working with office equipment and software application • Ability to work driven by own initiative; good situational and methodical problem solving skills Work Experience 2011: Independent sales advisor for SMG Solutions, Coventry, United Kingdom Responsibilities: • Door-to-door sales • Customer service • Self management • Train the new people in the office 2011: Waitress for Compass Group at Ricoh Arena, Coventry, United Kingdom Responsibilities: • Serving drinks and food to clients • Till operation and cash handling • Maintaining the work area clean • Dealing with bill payments 2009, 2010: Receptionist for Rich Forest, Onesti, Romania Responsibilities: • Greeting visitors and directing them to the correct person or department; • Providing information and answering queries; answering calls and taking messages; • Organizing appointments and bookings; • Maintaining the reception area clean. 2008: Waitress for 8 Ball Club, Onesti Romania Responsibilities: • Serving drinks and food to clients • Till operation and...
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...The following essay will argue that Western Australia should introduce specialist courts to address social issues such as homelessness. In the current modern society, there are more social issues and problems that the courts have to deal with, and introducing specialist courts can help lower the number of cases that mainstream courts resolve. Specialist courts for homelessness would also mean that judges and magistrates could specialise in resolving such disputes, in a manner which is more appropriate and takes into account the persons involved. By analysing The Vagrants, Gaming & Other Offences Act 1931 and other academic articles, it will be shown the current court system doesn’t adequately punish homeless persons in a way which considers all of the facets of their life. In Queensland, the Vagrants, Gaming & Other Offences Act 1931 has come under scrutiny for it being “archaic and ill-adapted to our modern society”1. The...
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...Course. HCASP Contemporary Issues in Counselling II Essay Title: “Domestic Violence – An Overview of safety in the home” Due Date ; 13th April 2007. Introduction The issue of Domestic violence is one that pervades through all levels of society. It is widely recognised as being a serious problem in society and one in which there are many theories and intervention methods. This essay hopes to cover some of the major theorists and their relevant theories and to illustrate the overview of the problem and issues arising from the area of domestic violence. How it may be defined and recognised, who are involved and affected and why, and if it can be prevented and/or stopped. Definition. Domestic violence as the popular ad says ‘does what it says on the tin’. It is violence perpetrated by one person or more against another or others in a home situation. It is "the intentional and persistent physical, emotional or psychological and financial abuse of anyone in the home in a way that causes pain, distress or injury". It includes all partners either living together or apart, heterosexual gay or lesbian. Abusers and victims can exist in a home situation and can be of any age, sex, or profession. Any person can be a victim, there is no set of rules nor socio economic indicators that qualifies anyone to be a victim. Although most women and children are victims, men can also be abused in the home. In a recent UK Government report it was...
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...Health and Social Care Student Name: Student I.D: Submission date: 09/12/2015 CONTENTS PAGE Task | Page number | Task 1: Induction Pack on Abuse factors and contexts (1.1, 1.2, 1.3) | 4-12 | Task 2: Essay on the law in contexts (2.1, 2.2) | 12-19 | Task 3: Power point presentation on working practices and strategies (3.1, 3.2, 3.3) | 20-28 | References | 29-30 | TASK 1: Abuse (factors and contexts) Introduction Abuse of vulnerable people in most parts of the world needs to be stopped because it falls under the protection of human rights as It is fundamental right for all people to living a life that is free from harm, abuse and discrimination. This right is protected by Human Right Act 1998. Abuse is the violation of an individual’s human and civil rights by any other persons which results in significant harm. During the course of this induction guide I'll explore various types of abuse in health and social care sector that include; emotional/ psychological abuse, sexual, physical abuse, financial abuse, and neglect. there are other abuse like domestic violence, discrimination. I"ll also identify the sign and indicators of abuse and also explore social and cultural factors which are responsible for abuse. Safeguarding Adults A person over age of 18 years is vulnerable adult if by reason of old age, infirmity, injury, illness, mental or disability, he/she...
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... With a world filled with global conflict, disappearing jobs, higher education cost, and increasing poverty in America, the homeless need our help more than ever. Just last year, the national poverty rate rose to include 13.2 % of the population. Also, 3.5 million people were forced to sleep in parks, shelters, under bridges or in cars. Hunger and homelessness are increasing epidemics plaguing the United States. Because of the high cost of living, high unemployment rates, and low-wage jobs, countless Americans are forced to choose between food, housing, and other expenses. According to recent studies, money is being devoted to rent and utilities rather than food. 35% of the homeless population is families with children, 23% are U.S. military veterans, 25% are children under the age of 18, 20-25% suffers from mental illness and 30% have experienced domestic violence. 19.3 % of homeless people live in New York City and Los Angeles. New York City has been shown to have the highest number of homeless people in the country. The next biggest is Loss Angeles and then Seattle/King County Washington. As a result of doing nothing for the homeless, more people will become homeless. That means, more people sleeping on the streets, dying from hunger, and possibly an even higher crime rate. Economic factors play a huge role in the issue of homelessness. The number one cause of homelessness is the shortage of affordable housing. With such low incomes and low minimum wage workers, food and...
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...SSK13 - HD Essay (2010) Learning & Communication Behaviour Dani Denman Unit: SSK13 Tutor: Alexandra Price Words: (1,174 exc. references) Human thirst for mobile communication in a world of increasing social segregation Unlike most technologies, the mobile phone has taken the world by storm. There was a time when it was assumed that only the rich people were those who can afford mobile phones. It is most likely still true, however there is another thought needed for the modern world. People today, wealthy and those even considered poor, have the latest mobile phones. Everyone seems to own not one but even two or three mobile phones at the same time. Children as young as six years old are fond of texting, playing games, and even surfing the internet through mobile phones. Mobile technology has produced substantial social change in the behavioural and lifestyle patterns of human beings, changes in technology and self-management styles have altered the way people & families communicate. Mobile technology has progressively pulled people away from conventional social settings, neighbourhoods and public spaces that have been associated with large and diverse networks. As Leysia Palen says “Mobile phones help manage and grant instant access to users' dispersed social networks but risk violating the age-old social conventions of face-to- face relationships”. (Palen, 2002 p.78). Do mobile phone users need to take a step back in order to avoid social alienation &...
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