...Retirement Planning and Social Security In the United States, we do not need to plan for retirement. Social Security will cover our needs when we retire. This is a common misconception among Americans simply because the Social Security program has been such a vital part of most everyone who has retired in our country for so many generations. We as Americans have grown to trust that our country is going to be not only able to give a portion back to us in our older years, but we feel it is our right as Americans to finally receive a little financial peace after a lifetime of labor and dedication. While all of these feelings are completely justified, there are a few questions we need to ask ourselves to ensure that freedom. We need to decide what exactly are our needs going to be at this point in our lives, and what we can realistically look forward to from Social Security, and finally educate ourselves on the alternatives and supplements that may be offered to us. Naturally you will want to know how long your retirement money will last you. First you must tackle an even tougher question; How long will you live? The life expectance for both men and women has increased over the past several years mostly due to such great strides in healthcare. If we only knew what to expect it would make planning much more precise. There are a few fun ways to gather an educated guess, by going to the Paul Beson Faculty Scholarships Aging Research Program you are able to fill out a life expectancy...
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...in Belize have never been better. According to Michael Singh, Chief Executive Officer of Belize’s Ministry of Trade, tourism to Belize has increased by 30% over the past year, and the country’s population has been growing at an annual rate of 3% over the past two years. At BuyBelize.com, we’d like to think that our national advertising campaign across the United States and Canada is contributing to this growth, and to the appreciating land values that accompany that growth. Retirees America’s baby-boomer generation is retiring in record numbers. The Washington Post published an article showing that between 2015 and 2034, more than 80 million Americans will retire. That number translates into more than 10,000 people retiring every day of the year for the next 19 years! Where will those people want to retire? At BuyBelize.com, the thousands of inquiries we receive each week convince us that a growing number of those retirees want to spend their golden years in tropical climates. The evidence is clear. They’ve paid their dues, working hard for decades. They’re ready to enjoy life, finding romance by taking long walks along powdery, white-sandy beaches. They want to explore nature by hiking through lush, unpolluted jungles. They want to fish, snorkel, or simply relax...
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...Retirement Planning and Social Security In the United States, we do not need to plan for retirement. Social Security will cover our needs when we retire. This is a common misconception among Americans simply because the Social Security program has been such a vital part of most everyone who has retired in our country for so many generations. We as Americans have grown to trust that our country is going to be not only able to give a portion back to us in our older years, but we feel it is our right as Americans to finally receive a little financial peace after a lifetime of labor and dedication. While all of these feelings are completely justified, there are a few questions we need to ask ourselves to ensure that freedom. We need to decide what exactly are our needs going to be at this point in our lives, and what we can realistically look forward to from Social Security, and finally educate ourselves on the alternatives and supplements that may be offered to us. Naturally you will want to know how long your retirement money will last you. First you must tackle an even tougher question; How long will you live? The life expectance for both men and women has increased over the past several years mostly due to such great strides in healthcare. If we only knew what to expect it would make planning much more precise. There are a few fun ways to gather an educated guess, by going to the Paul Beson Faculty Scholarships Aging Research Program you are able to fill out a life expectancy...
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...According to some scholars, term limits force legislators to seek another local office. (Tothero, 2003) found that candidates' career choice has been affected by term limits,because legislators are forced to retire or seek other political position. Tothero concluded that state's legislators in term limited states are more likely to run for another local election than legislators in states without term limits. Lazarus (2006) also argued that political ambition is one of the main reason legislators in states with term limits look for another office. In fact, Lazarus found that term limits decrease the benefits of running for reelection even when states legislators have another term that they can run (Lazarus, 2006). Because running for a term limited office is less desirable.Term limits also increase the favorable chances of running for another local office, which may be seen as more valuable. Lazarus stated “those who wish to to continue a long term...
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...knowledgeable staff, creative methods and their strong desire to work together as a team. Within the last 5 years the company fell upon some hard times where they were losing millions of dollars a year and had their stock price drop severely. The company has recently risen to a new level due to the efforts of Executive A their CEO of the last 3 years. Within the first six months of being appointed CEO, Executive A was able to increase the stock value of the company over 125% and post a profit. Executive A is very driven, ambitious and solely focused on the success of the company. He does not like attention and usually gives the credit for the company’s success to his management team. Executive A always accepts responsibility for less than perfect results and loves to help develop strong leaders in the company. Clearly Executive A has inspired his management team and employees to rise above themselves to reach new heights and see the same vision that he has. All of these attributes make Executive A an outstanding Level 5 leader. Companies with Level 5 CEO’s; leaders who are humble yet profoundly driven, provide vision, instill pride in their employees because they care and coach them on a personal level, stimulate careful problem solving techniques and encourage everyone to see the vision are the ones that can stand the test of time and elevate the company to new levels. Within the next 2 years Executive A is planning to retire, leaving the company in the hands of either Leader B...
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...Selapack did not know of the requirement to request a waiver to stay in the CORP until he recently requested to retire from CORP. At that time, he was provided an estimate of his CORP retirement benefits, which included his five-years of service as a Regional Operations Manager. At that time, it was discovered that a waiver should have been requested when he took the position. Had he known of the requirement to get a waiver, he undoubtedly would have requested it because he was an ASRS retiree and his desire was to eventually retire from CORP. Through no fault of his own, he did not know of the requirement to request a waiver within the 90 day...
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...they will neglect to plan and save. In fact, some people do not even attempt to calculate what their needs will be when they retire. In the past, Americans could count on Social Security, Medicare, and pension plans directed by their employer to help plan their retirement; however, today it is entirely different. The future of both the Social Security program and the Medicare program are uncertain, and to compound the problem, most employers no longer offer defined benefit plans. Some employers offer contribution plans, such as 401k plans; however, that means that people need to have self-discipline and exhibit regular patterns of investing to ensure a comfortable retirement. Citizens must be active and take responsibility for their own financial security. Not only do people have to calculate how much money they will need for ordinary living expenses, but they will also have to calculate how many years they will live in retirement. In addition, they need to recognize the impact that inflation will have on spending power and determine how much money they will need to cover medical and long-term care expenses if they arise. Although the Social Security program will play an important role in retirement, Americans must create a plan that covers every cost, including the unexpected, to ensure financial security during their golden years. People choose to retire at different times in their lives; however, the official age that they are eligible to collect full retirement benefits from...
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...Later Adulthood Development Report BSHS/325 Late Adulthood starting at 65+ begins to enter different stages of their lives. Aging involves biophysical changes and challenges, senescence and health issues, Pharmaceutical interventions, and closer monitoring of health and wellness. As an individual age they begin to experience Wisdom: Ego vs. Despair, This stage marks a considerable reduction in productivity and is when a person enters the retirement phase. During this stage, adults tend to look back upon their lives to figure whether they have led a successful life. If so, a feeling of contentment and what Erikson called Integrity vs. Prevails on the adult. This reflection; if not positive, leads to a state of despair where nothing can be done to turn back time and change. This stage and reflection can also be marked by regrets if the aging adult is left to feel unaccomplished. A prominent aspect of this stage is also the fear of death, which contributes to the hopelessness that becomes apparent at this stage. An adult's values at this stage are set and firm nothing can alter or change the thought process or the perception with which she/he now views the world. Late adulthood can be marked by menopause and osteoporosis, a reduction in bone density, grey hair, less skin elasticity, and a loss of muscle mass resulting in an increase of body fat. Cognitively, during late adulthood verbal skills such as vocabulary and broad-spectrum knowledge are still intact. However, memory...
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...became powerful due to this position. His businesses and relationships to other powerful people contributed to the amount of power he began to accumulate. Although in this case, Trump is already viewed as high on the social ladder, it is in his nature to want more. Undoubtedly, humans are selfish and will desire more power, even if they obtain enough of it. Consequently, Trump decided to run and win the presidential campaign, thus landing him a position as the leader of this country, as well as other highly respected positions such as the commander in chief. Many wonder why Trump would want to be the President if he is already financially successful and well-known. It is obvious that he does not need the money and is at an age in his life where most people would simply want to relax and retire. The job as a President is not carefree and rather stressful. It can be inferred that Trump decided to run due to his desire for power and influence, despite the power he had already obtained. Like the shepherd in the Ring of Gyges, if power can be given to him, he will take it. Similarly to Trump, the shepherd did not need the power, yet simply desired it. It is a human’s rawest desires that can bring out injustices. Through the story of the Ring of Gyges, Glaucon contradicts his idea of laws equating to justice. Since Glaucon’s assumption about human nature states that humans will unintentionally drift towards injustice, this account defends his statement about human nature. It proves...
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...Tutorial One Case Study - Generation snap Continuance commitment is one dimension to organizational commitment, which refers to the economic reason for staying in an organization (Robbins et al. 2011). If the generational snap exists regarding this commitment, it is obviously that the Gen Y will have a high turnover rate comparing with other generations. As the case illustrates, Gen Y are well connected with the society, impatient for career success and possessing high technological skills. Thus, economic reasons cannot prevent them from leaving the organization when they intend to do so. While other generations may afraid that there are less opportunities for them to find another job with a satisfactory salary once they quit the job. Another possible difference is that the Gen Y seems to have more confidence than other generations. They are confident about the skill they had acquired and their ability to socialize. There are several strategies for improving the level of job satisfaction for generation Y employees. The first strategy is to approve. The Gen Y need to feel that their abilities have been confirmed and they are making a contribution to the company. People in other generations may have the mentality of “Let nature take its course”, but the Gen Y like to take the initiative and get things done depend on their strength. Thus, other people’s recognition is essential to a satisfactory job. The second strategy is to give response quickly. The generation Y are impatient...
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...Mario Rosales Mrs. Kelley English 1 Pre-AP 3 1 October 2014 Not Everyone Gets Not every child in the world gets the education that they have desire. It’s hard to imagine not to have an education or perhaps the dream to at least learn how to read in their language. Just imagine one of this uneducated child listens to children with his desire say that they don’t like school it would probably get them frustrated because they are getting the education that they may never have in their miserable life. Education is important because every child doesn’t have the opportunity or get to finish it. Lets’ see the view of both of the children’s point of view rich and poor education. A rich child can have the opportunity to attend a privet school where he can get the necessary skills such as Science, English, Math, Social Studies, Writing and a foreign language. He can meet the right individuals to help him go through life. Then when he finishes High school he can choose one of the best privet universities in the USA to become a doctor, lawyer, scientist, business man or even become the president of the United States of America. If he chooses a good career he can get married with a beautiful person have kids, have a house and retire from his career and enjoy the government paying him for nothing. A poor child can’t go to school because their parents couldn’t afford it and is working all day for a low paying job to help his family. Then as the kid becomes older he can become...
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...Retirement is an important aspect in life that many people don’t ever get to experience. I know many people that work their whole life; which is mostly because they can’t afford to retirement. Having a retirement plan helps you prepare for the future so you can enjoy the final years of your life. Some people also enjoy working their whole life because it’s what keeps them going. I honestly wouldn’t mind working my whole life unless I wasn’t physically able to. Everyday throughout the world people are getting ready or finished planning their retirement plan. There is so much to look into on how to organize a plan very well on what you want for your retirement. Many focus on what stocks and bonds they will want to invest in and also about the 401k. I don’t plan on working a normal job in the future, but if I did a 401k would help me out the most when in retirement. What I want more than anything is to have my own business because that’s what I’m going to school for. If my business works out good and generates plenty of profit then I should be able to have a nice retirement. The two main problems in everyday people in trying to organize their retirement plan is what kind of stocks they would want to invest in. There are so many different stocks in the stock-market that it makes it difficult for people to figure out which one will go best for you in the future. A different problem would be what bonds they would also like to invest in. Investing in stocks and bonds will not make...
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...Texts 1 and 2 are two different types of texts directed to different audiences and written with different purposes. Text 1 is a poem that shows on a personal level what the poet feels her experience of growing older will be. However, text 2 is an extract from an essay that tells the reader how “the view from 80” looks like. Even though both texts are different, they share the same topic, growing old. It can be easily seen that both texts have different structures starting because text 1 is a poem and text 2 is an essay. Text 1 has 4 short, 4 lined stanzas which follow the rhyme scheme of ABCB that fully describe the way in which the poet pictures how her life in the future will be. The poet portrays the positive aspects of growing old mentioning that peace, relaxation and tranquillity are a few of the things that one can enjoy while being “old”. Nevertheless, even though text 2 shows just an extract from an essay, a clear structure with a beginning, middle and end can basically be seen. It is separated in paragraphs that switch between a first and third person narration and includes an enumeration that visually breaks the structure drawing specific attention to it as it lists the downside of growing old and what symptoms one feel that indicate old age. Moreover, these texts also differ in terms of audience and purpose. Although text 1 and 2 are directed towards people who have thought on retirement and the way their life will be in the future, they are written for completely...
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...skills--but still paid a family-supporting wage--have disappeared and increasingly have been replaced with jobs that require higher levels of education. The reality is that high school graduates that lack additional education/training face mostly dim and dead-end career prospects. Prospects are much dimmer for those who fail to finish high school at all. From my experiences thus far, I have seen first-hand just how essential education is for all people. As a Marine Corps recruiter working in Ann Arbor, MI, I had many interactions with young men and women of varying backgrounds who had many different aspirations and life desires. One chief desire that many of these individuals had in common was the need to pursue further education past the high school level. Some desires were to go off to a college or university to earn a degree in any number of subjects. Some desires were...
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...to fight for their independence from Britain. Emotion or pathos is a powerful technique that can enrage or calm the audience. Patrick Henry uses this idea effectively by trying to invoke the audience’s sense of fear and desire when he says “Is life so dear, or peace so sweet, as to be purchased at the price of chains and slavery? Forbid it, Almighty God!” The fear of being enslaved by the British makes the audience wary of all the cruel actions that have been done to the colonists by the British. The sense of desire for a life without chains...
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