Personal Retirement Assignment Example | Topics and Well Written Essays - 1250 words

Personal Retirement - Assignment Example The personal retirement planning is a disciplined and step-by step procedure that ensures a secured future retirement life. Problem Formulation and Determination of Objectives The first step in planning personal retirement is to determine the current and future objectives. For instance, among many options that are available, the most preferable option is the growth in income. On the contrary, others might consider the safety of principal investment and they prefer investment in less risky assets. Sometimes situations might require fixed periodical earnings. There is another option left for personal retirement and that is adapted by many smart individuals who prefer to invest in a basket of securities in order to diversify investment rather than concentrating the entire investable fund in single option (Goetzmann & Kumar, 2008, pp.1-10). Some individuals with higher risk appetite might also prefer investment in relatively risky securities in order to earn higher returns in future (Sta tman, 2004, pp.50-51). Hence, it is possible that the requirement on one individual will not be the same as other thus the requirement objectives are likely to vary from one individual to another (Grinold & Kahn, No Date, p.2). So, if I prefer higher current consumption assuming that the future is uncertain, others might like to create a safer future for their family and children (Montana State University, 2010) and the reverse scenario is also applicable. For my personal retirement problem I plan to efficiently balance and allocate current consumption and future consumption by vesting the available investible fund in various retirement options and thus bring certainty in future earnings. Determination of Investible Funds My post retirement income may come from sources such as pensions, social security, trusts, or annuities. The remaining required amount that I might fall short of (for purchasing assets or sudden contingent requirements etc.) may be covered by accumulated savings be fore retirement or through investment. In order to formulate my personal retirement plan I need to make two important assumptions as follows: Assuming that I have a fixed investible amount of $50,000 and my current earnings are $2000; Assuming that I would not require consuming any part of fixed investible fund unless there is an emergency requirement. Hence, according to this basic framework it can be said that I would like to carry out my daily activities financed by my current income and for any other purpose such as asset purchase, medical treatment, education fee payment, etc. will be funded through investment or owed funds. Determination of Retirement Age and Expected Future Earnings According to the RES (Retirement Eligibility and Services) and Federal Employee Retirement System that assesses the eligibility criteria for the annuity benefits for individual, the social security administration (SSA) benefits will be available to an individual as and on the day he or she retires . So, from the above discussion and eligibility criteria I would prefer my minimum age of retirement to be 60 years in the personal retireme

Mass Media Areas Essay Example | Topics and Well Written Essays - 500 words

Mass Media Areas - Essay Example It also helps me build and improve my interpersonal skills in regards to communication. Announcers’ roles encompass different activities both in and outside the media houses such as conducting interviews, presenting music and news. They also act as commentators in sports such as football. They conduct major activities like parties and weddings as masters of ceremony in addition to working in clubs as disc jockeys (Dominick). For one to qualify as an announcer, he or she ought to attain relevant education credentials. It is necessary to have a bachelor’s degree in communication, journalism or broadcasting. One should also take up courses in voice and diction in order to improve their vocal qualities. These programs are essential because they help one to work well relevant computer software and hardware used in studios (Dominick). What attracts me to this job is because it helps me incorporate my skills and hobbies in a professional manner as I find the opportunity to interact with different people with the profession through interviews (Dominick). These individuals include comedians, professional businesspersons, and sportspersons. I think the interpersonal skills that make me qualify for the job in addition to academic requirement. These skills include the ability to talk to people appropriately and with understandable brevity thus encouraging them to talk. As a result, this will facilitate the announcers’ work such as conducting interviews.  

News analysis and Advertising Essay Example | Topics and Well Written Essays - 1000 words

News analysis and Advertising - Essay Example Nonetheless, the most significant question to be asked is: what brand of truth and in what form and hue does today's television news tell Obviously, 20th century news on television either blow up and amplify or curb and restrict what is being presented on the air. Most often, it leaves out too much of what should have been dished out. Many of the subject matters on TV news today are worthless to the viewer simply because they focus on incidents that affect only a small sector of the audience (e.g. police-blotter accidents or petty crimes.) Are these events really so important to most people Most probably they're not. However, they get so much attention and focus and are allotted so much air time. But how can that be if they offer no real meaning to most people Yes, the conflict between Lebanon and Israel has in seconds (after its initial broadcast) become a global event but does it really have a direct effect on the poverty-stricken citizens of Haiti or Bangladesh Years back, the affair and eventually the "painful death" of Princess Diana and her supposed lover occupied the airwaves to no end, but how do these occurrences concern the war-torn Iraq or the destitute children of Somalia Evidently, these efforts denote a crack at putting in entertainment to an otherwise boring broadcast. These stories on the news are encouraged by the mounting pressure of the trash news programs which are extremely damaging to the sense of worth of the viewing public and the nation as a whole. Ratings are all that matters now. As a rejoinder to this kind of programming, John J. O'Connor of the New York Times broached a compelling question, "What kind of people do we want to be Are we a society that is driven to topics appealing to our pocketbooks and/or curiosity about celebrities" Most of what is being seen and heard on TV is fantasy and entertainment. As a consequence, the power of television journalism leaves its viewers with imprecise notions and feelings which often devastate its function to inform. Yes, the news of today still answers the basic questions of what makes NEWS. The who, what, when, why and how's still there, however, supplementary to these functions, the need to entertain has been added. Unfortunately, it has become the most important. Advertising Selected commercials - VISA MasterCard (Pierce Brosnan/Catherine Zeta-Jones); Channel (Nicole Kidman); Nike (Michael Jordan); Close-Up (unknown) !) Which commercials seem to be the most effective Least effective For the commercials selected, the use of celebrity endorsement as a strategy is quite effective. These advertisements can surely achieve "recall" from their viewers simply because they are using named stars which appeal to most people. In the case of Channel, at first glance, it looks ineffective in the sense that it looks "too rich," and the not-so-rich citizens may not easily identify with it (obviously, it is a product that may not be a household name for the masses) but the employment of someone possessing classic beauty like Nicole Kidman and the way the whole campaign has been packaged and presented can still appeal to

View from the Bridge Essay Example for Free

View from the Bridge Essay A view from the bridge: a kind of metaphorical title the obvious bridge is the Brooklyn Bridge in New York. Italian immigrants had been coming to New York for a long time and they tended to gather in communities as America is a very multi racial cosmopolitan area. Catherines aspirations are to cross the bridge to go out, to work, and to go out with her lover Rodolfo. 1) Home: poor and simple but they open it to show their generosity- opportunity to show their loyalty to the Sicilian family. But Eddie says it is his home so he is entitled to his respect provider, it represents food, clothing, the upbringing not just the physical home. Catherines view gratitude for home and she wants to get a job to then pay for furniture for the home e. g. rug. Simple home and cosy, small Beatrices world but is still shared by all people. It represents the hard work and poverty yet the generosity of the people. Workers flat, clean, the flat is Eddies space and his home he wants his respect. Generosity show by: B! Your cousins and yet she is not annoyed for having to look after people and have extra mouths to feed, simply embarrassed as the host: didnt even buy a new tablecloth. Catherine wants to repay Eddie and B for bringing her up. When she gets a job and has enough money she wants a rug and new plates etc she is proud of the home but wants to contribute now she has come of age excitement. Pg 11. The idea is that these people are poor it is a struggle to keep going and they offer shelter to Sicilian relatives and immigrants to get work and send money back to their family. Their willingness to share and Eddies duty to look after family means hard physical work. The home and the family itself have their tensions, jealousies and loyalties. Beatrice does not work her place is in the home. Eddie where, where am I going? This is my house page 61. Massive change before and after Marco and Rodolfo arrive- before; love, poverty but warmth and humour, cosy, struggle Eddie = provider the family with laughter and nurture, welcome and generosity in food, shelter and roof in spite of lack of wealth, loyalty- Catherine looked after and brought up here. After, in Act 2, the home changes to mean respect and his name I want my name back! Hatred, Bad relationships, coldness, tears, fighting the generosity now needs to be owed back this is how you repay me? now deserving something in return. 2) Street: Alfieri tells him that there is no law nothing that Eddie can do to stop Rodolfo and Catherine he must let her go. The only way is to betray them and give them up to the authority as illegal immigrants but the Italian community will take revenge like they did with the young boy whose head bounced like coconuts. Loyalty lies with family and to Sicilian immigrants. Eddie has to rid of Rodolfo to betray the family. Bowling, Louis. Brooklyn paramount where Catherine and Rodolfo see the film. 3) Place of work: Red Hook docks, waterfront, long shore men, piers, plumbers yard. Red Hook docks signify mans world sea breeze links to Sicily and Italy, the comradeship of the men e. g. you coming bowling tonight Eddie? they are good friends, hard physical work and mafia links illegal immigrants come on the ship called submarines they are brought in, own dockers slang, word is associated with the docks and the sea. The labour you feed and keep your family. Miller creates an impression of the docks as a place of manliness but gives an air of underlying Italian immigrants. We learn that they are called submarines. Smells of coffee and bananas and spiders when unloading rough district where Catherine wants to work Eddie is very protective as it is not a place for women. Plumbers yard around where Catherine wants to work, plenty can happen in a block away. Red Hook build huge ships, all about the docks and hard work grafting. Eddie gets embarrassed of Rodolfo he is not manly enough he sings on the docks! For immigrants the work is easy to get, until the mafia are paid off, then they have to scramble like everyone else. Show preview only The above preview is unformatted text This student written piece of work is one of many that can be found in our GCSE Arthur Miller section.

Essay on the Metamorphosis of Tom in The Glass Menagerie

The Metamorphosis of Tom in The Glass Menagerie by Tennessee Williams      Ã‚   In Tennessee William's play, The Glass Menagerie, the character of Tom is both a son and a brother. Tom has also been forced into the role as the man of the house because of his father's departure. He is very unique and somewhat unpredictable in his words and actions. Tom is selfish, yet caring, and he has a strong need for adventure. Without doubt, Tom is the most round and dynamic character in the play. Tom's role in his household is to provide for his sister and mother by working at the shoe warehouse. He basically gives up his life so his family can live. So how can one say that Tom is selfish? The reader has to look further than skin deep. Tom works at the warehouse but he truly despises it, because in scene three he said, "I'd rather somebody picked up a crowbar and batter out my brains than go back mornings."(Williams 1036).   Also, it seems Tom does not care if he gets fired or not judging by the amount of time that he spends writing poetry at work. Tom does not appreciate what he has or that his family is provided for. Tom also shows a hint of selfishness when he tells Amanda that there is nothing in that house that he can honestly call his own. Tom also goes to the movies or gets drunk almost every night and he knows that Amanda and Laura are worried about him but that changes nothing. He still goes out without thinking of how it affects his mother or sister.   To escape from his slow life while he was at home Tom goes to the movies almost every night. It is at the movies that Tom can drink and somehow live his adventurous life through his imagination and the characters in the movies. The movies only satisfied Tom's thirst for adve... .... Works Cited Bloom, Harold Ed. Modern Critical Views: Tennessee Williams. New York: Chelsea House Publishers, 1987. Fordyce, William. "Tennessee William's Tom Wingfield"   Papers on Language and Literature 34.3 (Summer 1998): 250-272.   ProQuest.   Jacobs Library, Oglesby, IL.   11 July 2001. <http://www.umi.com/proquest>. Jolemore, Nancy.   "Lecture Notes and Study Guide Questions for Tennessee William's The Glass Menagerie."   Old Dominion University.   18 January   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   2000.   29 June 2001. <http://courses.lib.odu.edu/engl/njolemor>. Reser, Rob.   "A Touch of Glass."   29 June 2001. <http://www.filmspot.com/glassmenagerie.html>. Williams, Tennessee.   The Glass Menagerie.   Literature and The Writing Process.   5th ed. Elizabeth McMahan, Susan X. Day, and Robert Funk. Upper Saddle River, NJ: Prentice, 1999.   693-734.

Airport Security Essay -- Safety Airlines Terrorism Papers

Airport Security On September 11, 2001, twenty Arab men boarded four different airplanes with the intent of attacking our country. They boarded the planes with the intent of causing tremendous damage to New York City and Washington, D.C. Two planes crashed into each tower of the World Trade Center, one plane crashed into the Pentagon, and the last plane crashed into a Pennsylvanian field. These twenty men cut short over 3000 lives. The innocent people that died had no need to have their lives taken in the way that they were. However, they lost their lives because they were American, and to the terrorists, they stood for certain principles. How were these terrorists allowed to board these planes with the weapons that they used for the take over? There is an easy answer to that question: airport security was virtually nonexistent. Anyone could be in the terminal. Friends and family could be with the passenger up to the time that the passenger went through the gate. However, since that fateful day, security has been tighter at the airports. Now, before passengers board a plane, they have to go through an x-ray machine and a metal detector before entering the terminal. Sometimes they have to go through random searches at the plane's gate. One question raised from the tighter security measures is whether these security measures invade people's personal rights. Airport security has changed since September 11, but this change is not always a good thing. One of the major changes that has taken place in airport security is more searches are being done. As a result of increasing the number of searches taken place, more people have their privacy rights violated. Another result of the increase of airport security is that less peopl... ...y.html Simon, Harvey. "Homeland Security and Defense." Aviation Week. n.d. 5 June 2002 Swenson, Dan. Personal interview. 23 October 2002 Sperry, Paul. "Know Your Rights at Airport Checkpoints." Worldnetdaily. 9 January 2002, 15 Oct. 2002 http://www.worldnetdaily.com/news/printer-friendly.asp?ARTICLE_ID=25974 "Suggestions for Reducing Security Related Threats." Airsafe. 22 October 2001, 16 September 2002 http://www.airsafe.com/events/war/moresafe.htm The Thompson Chain-Reference Bible: The NIV Version. Indianapolis, Indiana: B.B. Kirkbridge Bible CO., INC., 1990 "Travelers' Blues." Free-Market Net. n.d.15 October 2002 http://www.free-market.net/spotlight/airtravel/organizations/ "Women Travelers Complain of 'Busy Hands' Among Airport Guards." Startribune. 25 November 2002, 15 Oct. 2002 http://www.startribune.com/stories/1631/850064.html

Bonacorso Insurance Agency, Burlington, MA

Bonacorso Insurance company was created by John Bonacorso and Brittany Martel, in Burlington Massachusetts. Presently, that location offers their only office, but another office building is being built in Middleton, Massachusetts, and it will be open soon. The company was originally established in 1956, and it served as a local insurance agency, but recently it has expanded to some degree, and offers various insurance portfolios in the private and business sectors.The company is a basic small insurance company, that is trying to acquire as many clients as possible, and to facilitate that action, the company offers discounts to new clients, and campaigns to provide people who could potentially save with Bonacorso Insurance with free quotes, and the advantages of the company, compared with those of competitors. Bonacorso Insurance offers a number of basic policies and packages, and gladly provides quotes for potential clients.The have life insurance policies, homeowner policies, health coverage policies, automobile insurance policies, policies for boat-owners, and for motorcycle owners. Life insurance premiums vary based on the specific conditions of given clients, but the policies usually cost between $500 and $1,500 per month. Depending on the size, condition, and overall value of a home, homeowner’s policies also vary greatly. For more conventional homes, policies start at $500 per month, and range up to, for the more expensive homes, a rate of $250,000 monthly.Basic health insurance policies for those who qualify cost $360 a month. Automobile insurance policies range from $550 to $6000 dollars monthly, depending on the quality and condition of the vehicle. Boat insurance is comparable in premium price to homeowner’s insurance, as its premiums range from $350 a month to $250,000 per month, based on the specifications of the boat. Motorcycle insurance is also offered by Bonacorso Insurance, and premiums for this type of insurance range from $225 t o $350 monthly, depending on the quality of the motorcycle.That is how every successful insurance agency operates, as rates are different for every client depending on their histories, and certain specifications of what is to be covered. For more conventional cars, boats, motorcycles, and houses, rates may be lower, as not as much is at risk. But for expensive items, rates are generally higher, as are the deductibles, because the company will have to make a much larger payout if coverage proves to be needed. All of these policies also take into account the specific cases of each client who is covered by Bonacorso Insurance.Rates may be slightly higher for clients who have bad histories, and lower for those who have shown their responsibility. For instance, drivers whose records are free of accidents of their own fault save on automobile insurance, as they present less of a monetary risk to the company. But drivers who have been involved in a number of accidents will generally have h igher premiums because the insurance agency feels that they are more likely to be involved in accidents, which the insurance company will pay for on their behalf.And in trying to recruit new clients, Bonacorso Insurance has people who are hired to give people free quotes, hoping that that will encourage them to realize that they could be saving if they switched to Bonacorso. People who work for the agency seek potential clients, and show them their rates, compared to the rates of their competitors, or the national average of a premium for similar clients. Often, when new clients apply for policies with Bonacorso Insurance, discounts are offered to encourage the clients to remain with the agency, because it will save them money.The insurance agency also offers benefits to clients who remain accident free after joining the agency, which may show in a decreasing of premium rates for improving drivers. Automobile insurance is one of the company’s biggest fields, so a lot of the c lient benefits and rewards are offered in that field. Monthly get-togethers, or parties, are hosted by the company, which invites clients to attend the festivities, giving clients a homely, local feel about their insurance provider.Mugs, T-shirts, and other apparel and novelty items are given to clients as well. Businesses are also recruited by Bonacorso Insurance company, and certain benefits are offered to particular businesses. Portfolios for businesses that offer coverage in a number of areas are provided for professional clients, which gives many businesses incentive to join the agency. And much like other insurance companies that work with businesses, certain services may be exchanged between a business and Bonacorso Insurance agency.For instance, if a business agrees to speak out in favor of the agency, or host certain agency events, which shows the business’ satisfaction with the agency, potentially encouraging other businesses to compare rates and perhaps switch to B onacorso, rates and portfolios may be less costly for the business. The agency has been growing in popularity lately, and has expanded from just a small, local boat and automobile coverage agency to one that offers all of the amenities of a larger, more established firm.In 1983, John Bonacorso took the company down a new road, which opened the company to the market of home insurance policies, health insurance policies, life insurance policies, and motorcycle insurance policies. One of the major benefits of the company is that premiums are cut for improving clients. Clients who had histories of accidents at home or in their vehicles would generally have higher premiums initially, but like some of the larger insurance agencies such as State Farm and Progressive are doing, rates may decrease for a client if his or her record improves, as that shows that he or she presents less risk to the agency.Bonacorso Insurance only sustains itself by its number of clients. For any insurance agency to succeed, the number of clients has to be somewhat established, and it cannot sharply decrease. For example, if there were only three clients that an agency had acquired, who were paying an average of $500 a month for their automobile insurance, it would potentially ruin the agency if one of the cars was to be totaled, causing many thousands of dollars in damages.But one in three cars being totaled in a short period is very bad odds for the insurance agency, and if one thousand in three thousand clients totaled their vehicles, it would have the same devastating effects on the insurance agency as if one in three was totaled. But the risk is much higher when the number of clients is low, because with a large number of clients, the firm acquires a level of stability, as the premiums of everyone else would be used to cover the accidents of the few.So Bonacorso Insurance makes it clear that they are always looking for clients, and they tell potential clients how they operate, which is done by stabilizing themselves with a large number of clientele. As with most insurance companies, Bonacorso provides potential clients with rate quotes, that in some cases can be detrimental to the agency, as it demonstrates that, in particular cases, the people shopping for insurance could save more elsewhere. But this is part of the process. No company can offer every client a lower rate than the individual could find with other agencies unless that agency was well on its way to monopolizing the market.So for the most part, Bonacorso Insurance knows that most clients will feel that they could be saving with the agency, as in many cases, rates are lower for potential clients with Bonacorso than with other agencies. So Bonacorso has established enough stability to reveal their quotes, compared with their competitors quotes for particular people (which at times could be slightly lower) because for the most part, Bonacorso Insurance agency offers more to the clients. Another thing t hat the agency has going for it is its local status.The company fits into the community of the Burlington, Massachusetts area, and that makes people feel safe and satisfied as they are insured by people whom they know. This is really shown by the get-togethers and parties that the agency hosts, which it invites its clientele to attend. Trust is thus established by the agency and its clients, which encourages clients to remain with the agency, which, many of them feel, really is helping them. All in all, the company has been a smaller, cordial insurance agency that has a neighborly relationship with its clients.Benefits and cut rates help the agency to secure clientele, and decreasing rates and courteousness on the part of the agency help Bonacorso Insurance maintain its client base. Although it started as a very localized agency that did not offer coverage in all of the fields that it does today, Bonacorso Insurance has grown to some degree, and plans to open a second branch in Midd leton, Massachusetts. But community involvement and its local, neighborly nature should continue to keep the company going at both locations for some time, because clients are satisfied by the way the agency operates.