How to cite a website in an essay
Different Topics You Could Use To Write An Essay On The Lottery By Shirley Jackson
Thursday, September 3, 2020
Tolerance in the Middle Ages :: essays research papers
The issue of lenience has and consistently will be a solid and powerful point among people groups of all ethnic and culture foundations. The equivalent is valid for the issue of strict lenience, for the situation being between the Jews and the Christians in Medieval Europe. It is contended between R. Menahem ha-meir and Katz that the word lenience isn't just a clarification of the occasions, yet rather a bogus impression of reality. Reality for this situation being, that the Jews and Christians needed seclusion and rebellion from one another while simultaneously having the option to coincide together in their separate social orders. Ã Ã Ã Ã Ã By taking a gander at the Katz text, it is plain to see that his fundamental contention on the subject of strict lenience is that these two gatherings of individuals in this timespan did without a doubt want partition and eliteness from one another. The difficult that originated from this separation was the trouble in making regular day to day existence work for both strict gatherings while simultaneously keeping them separated from each other however much as could be expected. Moreover, we see the battle characterized by Katz which depicts the Jews and the trouble they looked in making an interpretation of their old writings to consistently life situations. Quite a bit of what was written in the Aggadah and the Halakha was not generally pertinent to these past consistently circumstances, so we start to see a reclassifying and extending of the idioms in the old content and the legislative issues of the time so as to more readily suit the individuals and not disturb the economy, society, and so forth. For instance, we see the Jews presently having the option to speak to themselves in court on account of the new detail which permits the vow to be taken. It is presently permitted in light of the fact that the Christian making the vow is swearing on a ?composite? God and all the more actually, a bit of paper which the Jews don't perceive as obvious power (The Gospels). This shows how the social real factors had changed and how the Jews had adjusted to the circumstances by not disposing of the content, however by rather articulating the content while looking after eliteness. Ã Ã Ã Ã Ã On the other hand, R. Menahem ha-meir says in his article that lenience should be seen logically, as in Katz?s work, anyway he additionally focuses on that the requirement for the seclusion and partition ought to be taken a gander at carefully in its chronicled condition alongside the effectively explicit strict presumptions that the Christians and Jews have towards each other.
Tuesday, August 25, 2020
Project Proposal Team- Hope of Youth Free Essays
Venture Proposal Team-Hope of Youth | Project-Caring for Lives| | ICBT Campus-Nugegoda| | Table of Contents 1. Underwriting Page3 2. Vision, Mission and Objectives of the Project4 3. We will compose a custom exposition test on Venture Proposal Team-Hope of Youth or then again any comparable point just for you Request Now Undertaking Team Structure5 4. Prologue to the Community Project6 4. 1. Task Name6 4. 2. Venture Logo6 4. 3. Venture Objective6 4. 4. Duration6 4. 5. Location6 5. An Outline of the Legal and Ethical Requirements of the Project7 6. Execution Plan8 6. 1. Introduction8 6. 2. Raising support Activities8 6. 3. Financial plan for the Raffle Draw9 6. 4. Spending plan for the Dinner Dance10 6. 5. Assessed Cost for the Repairing of the Ward11 6. 6. Cost for the Cabinetry12 . 7. System Analysis13 6. 8. Gantt Chart14 7. Partner Analysis15 8. Inside and External Constraints17 9. Letter to Management18 Endorsement Page Hope of Youth 132/B, ICBT Campus, High Level Road, Nugegoda. 14/06/2011 Mr. Mohan Pathirana, CEO/Executive Director, ICBT Campus, 31 33, Hotel Road, Mount Lavinia. Dear Sir, Requesting Approval for the Community Project â⬠ââ¬Å"Caring for Livesâ⬠We, the understudies of ICBT Campus Nugegoda, HND in Business Management Batch 05, are looking for your endorsement to encourag e the youngsters segment of Maharagama Cancer Hospital as a given undertaking for the module ââ¬Å"Managing Activities to Achieve Resultsâ⬠. So as to raise assets for our locale venture we have arranged two occasions which are the supper move and the pool draw. Herewith is encased a definite report with respect to the task for your data. We would be happy on the off chance that you could benevolently favor our locale undertaking and give your fullest help so as to make this task a triumph. Expressing gratitude toward you, Yours loyally, | Secretary(Ms. Udari Kahandawalaarchchi)| Event Manager (Mr. Dasun Abeysooriya)| (Mrs. Farhul Hassana)| | Lecturer/Head of Academics(Mr. Forthright Gunasekara)| Assistant General Manager(Mr. Hareen Jayawardana)| Vision, Mission and Objectives of the Project Vision Our vision is to think about little companions. Crucial strategic to give some assistance to our little companions finding for fix. Targets To encourage the kids segment of Maharagama Cancer Hospital by raising assets inside a timespan of two months where we are to fix a youngsters ward by fitting windows and flexibly the medical clinic with a cabinetry to store drugs. Undertaking Team Structure Introduction to the Community Project 1. 2. 3. 4. 1. 2. 3. 4. Task Name ââ¬Å"Caring for Livesâ⬠Undertaking Logo Project Objective To encourage the kids area of Maharagama Cancer Hospital by raising assets inside a timeframe of two months where we are to fix a kids ward by fitting windows and furnish the clinic with a pantry to store drugs. Length The span for the fulfillment of the whole task is 2 months inside which the venture proposition ought to be given over and be endorsed by the regarded parties before executing the undertaking ââ¬Å"Caring to Livesâ⬠through which we encourage the youngsters area of malignant growth emergency clinic. Area Maharagama Cancer Hospital An Outline of the Legal and Ethical Requirements of the Project Implementation Plan From Period 08/06/2011 to 26/08/2011 5. 6. Acquaintance Managing Activities with Achieve Results is a module intended to expand upon the information and comprehension of functioning as a gathering so as to accomplish the particular objectives of an undertaking. The understudies are offered errands to fill in as a gathering where they are to arrange a raising support program and to sort out a network movement. As understudies of ICBT, Batch 05 of HND in Business Management we have accumulated to exhibit the abilities as the group ââ¬Å"Hope of Youthâ⬠where we sort out the task ââ¬Å"Caring for Livesâ⬠to profit for our locale. This venture would assist the understudies with working as a gathering and accomplish the module learning results viably and to find the hypothetical fundamentals of the subject so the understudies are equipped for executing their applications in down to earth circumstances and conditions. Raising money Activities So as to meet the budgetary need to execute ââ¬Å"Caring for Livesâ⬠, we have proposed two gathering pledges exercises through which we plan to gather the sum required. (1) Selling of wagers evaluated at Rs. 50 to the general population and three victors would be drawn where particular champs would get prizes. (2) Organizing a Dinner Dance focusing on the youthful group and the pool draw would likewise occur during the occasion. On the off chance that regardless the previously mentioned raising support exercises come up short, our alternate course of action is to print 500 tops with a unit cost of Rs. 50 focusing on the understudies of the considerable number of parts of ICBT grounds as it were. Spending plan for the Raffle Draw Budget for the Dinner Dance | Unit Rate (LKR)| Quantity| Total(LKR)| Expected Income| Tickets â⬠Pre Selling At the Gate| 10001200| 150 Persons| 150 000| Sponsorships| - | - | 150 000| Souvenirs-Inner front Inner back Outer back Full Page Half Page Q uarter Page| 25002000300015001000750| - | 25 000| Total Expected Income| - | - | 325 000| Expected Expenses| Catering| 450/Head| 150 Persons| 67 500| Printing Costs| - | - | 15 000| Dance Floor| - | - | 30 000| D. J| - | - | 12 000| Decorations| - | - | 5 000| Travelling| - | - | 5 000| Phone Bill| - | - | 1 500| Other Expenses| - | - | 10 000| Mixture | - | - | 10 000| Total Expected Expenses| - | - | 156 000| * Estimated Profits=Expected Income â⬠Expected Expenses Estimated Profits=325 000 â⬠156 000 =169 000 LKR Estimated Cost for the Repairing of the Ward * Cost for the Cabinetry Network Analysis Gantt Chart Stakeholder Analysis Description on how every partner is intrigued Children Section in the Cancer Hospital The ward of kids area needs fixing for window fittings. Thusly this undertaking would satisfy the above notice necessities. * Labor The temporary workers would be working in the Project for the fixing of the wards where they would gain for themselves. * Printers The Printers will be engaged with the task for the printing of tickets, trinkets and flyers. * Donors Sponsors They would be giving their help to the undertaking where they would get introduction about their association. * Internal Management of the Hospital They would be seeing how well the task is being continuing and how far we will accomplish our objectives. * Lecturers They will screen the studentsââ¬â¢ singular exhibitions and if the understudies are accomplishing the necessary destinations. * Material Suppliers The Material required for the undertaking will be given by the providers who might be acquiring for themselves. Customer needs To encourage the Children area of malignant growth Hospital by fixing the windows and giving them a pantry to store drugs. Inner and External Constraints Letter to Management Ms. Gayathrika Senaratne Assistant General Manager â⬠Program Management International College of Business Technology (ICBT Campus) 317 A, Galle Road Colombo 04 14/06/2011 Dear Ms. Senaratne, We undersigned understudies of BTEC HND in Business Management Batch 05 are taking a shot at the ââ¬Å"Managing Activities to Achieve Resultsâ⬠and as an incomplete prerequisite of the task of the module we are intending to flexibly cabinetry for the kids area of Maharagama Cancer Hospital and furthermore extra window fittings redesign dependent on the extreme gifts got. This is to affirm that assets for the above venture may be gathered by gathering pledges bunch exercises, which are clarified in detail in the joined proposition and won't utilize individual cash it will be offered back to understudies (to the individuals who put away cash at first) after the main raising money action. Likewise we get that, ICBT Campus has no obligation over the gathering pledges exercises we complete and the benefit/misfortune we make out of those exercises. Further, we comprehend that uccess of this will depend just if the whole bunch fills in as a one gathering (little gatherings can be framed for various exercises) and if the instructor/the board found to have any questions among the cluster the whole task will be dropped and we have to do another venture from the earliest starting point. Much thanks to you. Yours Faithfully, | Aishath Noorath| Chathuri Weththasinghe| Dasun Abeysooriya| Dhasra Kariyawasam| Farhul Hassana| | Hawwa Iyanath| Piumi Seneviratne| Sandu ni Sathsala| Shane Maddumage| Tharindu Kodagoda| | Udari Kahandawalaarachchi| | The most effective method to refer to Project Proposal Team-Hope of Youth, Essay models
Saturday, August 22, 2020
Essay --
Nehal Banik 12-12-13 Period 4 Room 121 The Noble Gettysburg Address The Gettysburg Address basically passes on the thoughts that extends his astuteness of governmental issues and Civil War, and socializes the individuals who wish to regard the dead that died battling for their nation. Abraham Lincoln, an incredible representative, and shrewd pundit, all through his discourse utilizes numerous methods that grip his audienceââ¬â¢s consideration and maneuver them into the current situation. His discourse contains different data from all through mankind's history that regards the extraordinary men that have battled for this nation, and relates to conditions that would have been useful in persuading his crowd. The Gettysburg Address utilizes equal structure that decides the tone of handing-off a message of lost fighters that battled as far as concerns them in the nation. He is attempting to set up a reason where the Union needs to succeed and can't die before the nation is entire once more. The Gettysburg Address was written in a structure that was int ended to show his crowd what had occurred at Gettysburg; one of the bloodiest and gutting skirmishes of the war; and was intended to pass on his concept of our country, and address the individuals about the harmony and penances that have been made so the war would arrive at end and the that the countries achievement would not go down futile. The reason for his discourse was to revitalize the individuals and spread his plan to the country; to speak to that the thoughts that encompassed the archives composed by the establishing fathers, and not let their monumental passings go futile. In the content, Lincoln starts to state, ââ¬Å"That legislature of the individuals, by the individuals, will not die from the earth.â⬠Lincoln deciphers the ethics once instructed by the establishing fathers; government and vote based system will... ... equal structure not exclusively are spoken to without restriction, yet they were passed on in regarded habits of the viewerââ¬â¢s predisposition and were consequently withstanding. The reason and primary thoughts of the Gettysburg Address was to respect the daring fighters that took on in the blood conflicts, and complete their errand that was not wrapped up. He starts to pressure the significance of freedom and opportunity. He needs the country to be entire again and joined together with the goal that they can improve it for the people in the future. He attempts to pass on a message to everybody that they all have a section in the war and when they understand their activity they can at long last start to push ahead. The Gettysburg Address tells the individuals of America that regardless of whether many are lost, that their particular crucial not completed and there is still a lot to do before opportunity can be depicted by the individuals that live consequently on this mainland. Article - Nehal Banik 12-12-13 Period 4 Room 121 The Noble Gettysburg Address The Gettysburg Address essentially passes on the thoughts that grows his astuteness of legislative issues and Civil War, and socializes the individuals who wish to regard the dead that died battling for their nation. Abraham Lincoln, an incredible representative, and astute pundit, all through his discourse utilizes numerous procedures that grip his audienceââ¬â¢s consideration and maneuver them into the current situation. His discourse contains random data from all through mankind's history that regards the extraordinary men that have battled for this nation, and relates to conditions that would have been useful in persuading his crowd. The Gettysburg Address utilizes equal structure that decides the tone of handing-off a message of lost officers that battled as far as it matters for them in the nation. He is attempting to build up a reason where the Union needs to succeed and can't die before the nation is entire once more. The Gettysburg Address was written in a structure that was intended to show his crowd what had occurred at Gettysburg; one of the bloodiest and gutting skirmishes of the war; and was intended to pass on his concept of our country, and address the individuals about the harmony and penances that have been made so the war would reach end and the that the countries achievement would not go down futile. The reason for his discourse was to mobilize the individuals and spread his plan to the country; to speak to that the thoughts that surrounded the records composed by the establishing fathers, and not let their impressive passings go futile. In the content, Lincoln starts to state, ââ¬Å"That administration of the individuals, by the individuals, will not die from the earth.â⬠Lincoln interprets the ethics once educated by the establishing fathers; government and majority rules system will... ... equal structure not exclusively are spoken to without limitation, however they were passed on in regarded habits of the viewerââ¬â¢s inclination and were in this way withstanding. The reason and primary thoughts of the Gettysburg Address was to respect the fearless troopers that took on in the blood conflicts, and complete their errand that was not wrapped up. He starts to pressure the significance of freedom and opportunity. He needs the country to be entire again and joined together with the goal that they can improve it for the people in the future. He attempts to pass on a message to everybody that they all have a section in the war and when they understand their activity they can at long last start to push ahead. The Gettysburg Address tells the individuals of America that regardless of whether many are lost, that their particular crucial not completed and there is still a lot to do before opportunity can be depicted by the individuals that live hereafter on this landmass.
Hero and Beowulf Free Essays
Epic saints have numerous attributes that different characters need. Among these are physical quality, courage, and shrewdness. These traits help the legends with their excursions all through the epic. We will compose a custom paper test on Legend and Beowulf or on the other hand any comparable theme just for you Request Now Beowulf embodies every one of these qualities some place is the story. They help him in his fights with beasts and permit him to be a pioneer to his kin. These qualities cause Beowulf to stand apart among his friends and charm him to the peruser. Beowulf is certainly an ideal case of an epic saint. Beowulfââ¬â¢s physical quality, courage, and insight portray him as an epic saint. Beowulfââ¬â¢s physical quality is uncovered to the peruser through his stunning accomplishments and his mind blowing fights with supernatural animals. In lines 91 and 92 it expresses that Beowulf was the most grounded man on the planet. These words originate from the Geats who are uncouth individuals in any case. The way that they talk so profoundly of Beowulfââ¬â¢s quality is a demonstration of its honesty. After Beowulf shows up in Denmark he rapidly goes to Herot to plan for his fight with Grendel. In the lines following 307 it is expressed that Grendel was quickly seized by Beowulf after attempting to grasp him. This is an accomplishment that no man had the option to achieve before Beowulfââ¬â¢s appearance. Beowulfââ¬â¢s quality is additionally appeared in his fight with Grendelââ¬â¢s mother. In lines 465 and 466 it expresses that Beowulf had the option to toss the she-witch to the ground. This just reemphasizes Beowulfââ¬â¢s incredible physical quality. At last, Beowulfââ¬â¢s quality is appeared in his fight with the mythical serpent. Beowulfââ¬â¢s fight with the winged serpent happens when he is an elderly person. The way that Beowulf is as yet ready to overcome the mythical beast shows the peruser the degree of his extraordinary quality. Beowulfââ¬â¢s incredible physical quality is one of the attributes that make him an epic legend. The second trademark that Beowulf typifies is boldness. In the start of the story it is made clear to the peruser that Beowulf has driven a brilliant youth. He preformed accomplishments that no other man would set out attempt. When expression of Grendel arrives at the shores of Geatland, Beowulf makes it his own crucial destruction the beast. During the fight with Grendel on lines 295 and 296, Beowulf lies calmly on the floor and hangs tight for Grendel to hold onto him. He additionally decides not to utilize weapons to battle the beast. While seeking after Grendelââ¬â¢s mother on lines 307 and 308, Beowulf hops into the lake without the slightest hesitation. As he sinks to the base the musings entering his thoughts are of the fight to come and the magnificence he will pick up. During the fight with the mythical serpent Beowulf keeps battling close by Wiglaf considerably after all others surrender them. One of the primary wellsprings of Beowulfââ¬â¢s grit is his conviction that ââ¬Å"Godâ⬠is in charge. Beowulf accepts that he has no power over his own passing. With this information Beowulf can storm into fight without any ditherings. Beowulfââ¬â¢s courage is the second trademark that makes him an epic saint. The last trademark that separates Beowulf as an epic saint is his knowledge. From the earliest starting point of the story Beowulf is painted as an astute person. On the long excursion from Geatland to Denmark Beowulf fills in as the vessel skipper. He is the nonentity of his individual Geats and is appeared as the pioneer. During his fight with Grendel, Beowulf shows predominant battling capacity and battle procedure. By claiming to be snoozing, Beowulf shocks Grendel and increases the high ground in the battle. At the point when Beowulf is hauled into the she-witches refuge he rapidly understands that his weapons have no impact. Beowulf sees the giantââ¬â¢s blade holding tight the divider and draws it. Utilizing the blade he cuts off the head of Grendelââ¬â¢s mother and wins the fight. At the point when Beowulf was confronted with an uncommon condition, he utilized his astuteness to manage him through the fight. In the long run Beowulf turned into the leader of Geatland. His long periods of battling had given him the knowledge to successfully lead his kin. There he would manage until his arrival to Denmark and his last fight with the mythical serpent. Beowulfââ¬â¢s quality is the third quality that characterizes him as an epic saint. Beowulf is one of the most famous instances of an epic legend. His physical quality, grit, and intelligence set him apart from every single other warrior. Beowulf had the option to crush foes that no other man would challenge. Despite the fact that Beowulf was in the long run killed in fight, he passed on never knowing annihilation. This is an achievement that couple of saints make. Beowulf speaks to one of the most outstanding epic saints ever. Step by step instructions to refer to Hero and Beowulf, Papers
Friday, August 21, 2020
GASTRO ESOPHAGEAL REFLUX DISEASE Essay Example | Topics and Well Written Essays - 1250 words
GASTRO ESOPHAGEAL REFLUX DISEASE - Essay Example GERD is a hazard factor for Barrettââ¬â¢s esophageal (BE), which additionally inclines patients to esophageal adenocarcinoma (EAC). Patients determined to have GERD require proton siphon inhibitors treatment as a system to forestall the event of BE and EAC. This paper is an exploration of the present examinations on GERD and a survey of a contextual analysis for a youngster experiencing GERD. Contextual investigation The contextual analysis is of a multi year old kid who experienced migraines and neck torment. The kid had begun whining of the agony four years before the mother counseled a chiropractic specialist. The youngster had created torment subsequent to riding in a ââ¬Å"dodge ââ¬Ëemâ⬠vehicle. A crisis stop compounded the agony, which constrained the mother to look for clinical help. The seriousness of the neck torment had decreased before interview, however the power of cerebral pains had stayed consistent. Different side effects included episodes of discombobula tion and queasiness brought about by neck revolution, substantial sickness in the first part of the day, and extreme neck torment and heaving after dinners. The youngster likewise experienced stomach torment over the stomach, repeating bronchitis and headache because of the family ancestry. The specialist played out a physical assessment that demonstrated ordinary development and improvement. Neurological, stomach, cardiovascular, and respiratory assessments didn't display strange discoveries. Limitations on segmental movement on upper cervical spine and sacral brokenness were seen after a chiropractic spinal assessment. The specialist additionally watched Shimizu reflex on the upper right hand side showing an upper cervical issue (Jonasson, and Knaap, 2006). Utilizing the above data, the specialist made a determination of cervicogenic cerebral pain and stomach torment. The specialist accepted the agony had a somatovisceral root. The analyzed issue was accepted to be because of uppe r cervical complex subluxation and milk sensitivity. The specialist proposed treatment including a mix of chiropractic control of upper cervical intricate and cranial treatment. This prompted an impermanent decrease in cerebral pains and unaltered stomach torment. The mother looked for another feeling from a youngsters specialist after seven medications. The subsequent conference uncovered standard colic, steady reflux, and occasional spewing forth of undigested food. These side effects irritated when the kid accepted a supine stance. Stomach torment on the stomach and lower chest caused the specialist to adjust the underlying analysis to GERD. The patient was alluded to his general professional for GERD treatment and follow-up contacts uncovered that the condition had improved enormously (Jonasson, and Knaap, 2006). Ebb and flow Research History of the infection The predominance of the illness has expanded worldwide because of rising weight and drugs that influence LES capacities. Studies have demonstrated that roughly 33% of the US populace grumble of GERD side effects month to month (Narmeen and Woodward, 2013). Ladies have a higher pace of encountering GERD indications than men. Western nations have a high pervasiveness going from 38 percent in Northern Europe to 9 percent in Italy. Every year, more than 100 million proton siphon inhibitors are recommended to GERD patients in the western world. The high commonness in western nations can be ascribed to way of life, which is a significant inclining factor. The condition is an inclining factor for esophageal malignant growth, which influences around 400, 000 individuals around the world (Vats et al, 2006). Patients experience loss of hunger and harms to the lungs, throat, and ears because of abundance
Monday, August 3, 2020
Best Retirement Plans For Entrepreneurs
Best Retirement Plans For Entrepreneurs © Shutterstock.com | pathdocIn this article, we discover 1) an introduction to preparing for retirement for entrepreneurs, 2) the importance of retirement planning for entrepreneurs, 3) most popular retirement plans for entrepreneurs, and 4) how entrepreneurs can plan for retirement.INTRODUCTIONA retirement plan is an investment and savings plan that would provide you with enough income to live independently after retirement. Against common perception, even entrepreneurs can have retirement plans and make their life as easy as possible after retirement. You, as an entrepreneur, might provide retirement plans for your employees, but you must consider choosing a good retirement plan for yourself as well.A retirement plan often includes identifying income goals after retirement as well as decisions and actions to attain those goals. The plan further includes managing assets, implementing a savings program, estimating expenses and determining the source of income necessary for you to li ve without any financial woes after you have retired. Similarly, you also need to estimate future cash flows in order to ensure that you do achieve your retirement income goals.As mentioned above, it is totally false on your part to think that retirement plans are only for government workers, police officers or teachers, etc. You need to think again. These are definitely the most common types of retirement plans, but there are many other types of plans that have been devised especially for entrepreneurs like you.For example, I always recommend a Simplified Employee Pension Individual Retirement Arrangement (SEP-IRA), one of the most common types of IRAs available to entrepreneurs in the United States. There are negligible administration costs if you happen to be a solo entrepreneur. If you have people working for you, all of you will receive the same SEP benefit.Today, most entrepreneurs like to work beyond the typical retirement age. However, adequate financial planning for the lon g run can provide you with enough flexibility and control when you do decide to hang up your boots.IMPORTANCE OF RETIREMENT PLANNING FOR ENTREPRENEURSIt is absolutely essential for you to take your retirement in your own hands and plan well in advance to enjoy a financially secure retirement. Here are some reasons why you need to plan for retirement:You Canât Rely on the Government Welfare System: Although the government sponsors your retirement, it is not enough to meet your financial requirements once you retire. You need to remember that the ratio of covered workers to the number of beneficiaries has decreased significantly over the last few years. Similarly, people are living longer than ever before due to advances in healthcare. As a result, there is a greater strain on resources and governments nowadays have no other option but to reduce social security benefits.Find Possible Sources of Income Now: It is necessary for you to find all possible sources of income when you are s till in control, to financially secure your post-retirement life. Once you retire, it will be difficult to maintain your current lifestyle as social security will replace only a fraction of the money you are earning while working. You have to supplement social security benefits by investing in retirement plans such as a 401(k), Individual Retirement Agreement Accounts, and other securities.Increasing Life Expectancy: Due to tremendous advancements in healthcare, people are living longer these days. Therefore, it is even more important for you to arrange enough financial resources to support yourself. It is also a bad idea to save only enough to last to a certain age. What if you live beyond that age? In this case, you might struggle to fund the âextra yearsâ of your life. Therefore it is imperative for you to plan to live beyond the average life expectancy.Unexpected Medical Expenses: It is never the best option to rely on funds that you cannot control. Frequent health problems and increased medical expenses are an integral part of old age. If you donât have adequate funds to cover these expenses, the golden years of your life may also become a nightmare because social security will only cover the bare minimum of your expenses. In this case, investing in long-term healthcare medical insurance can help you to prevent a lot of problems in the long run.Flexibility to Take Future Challenges: Life is full of surprises and unforeseen difficulties such as the deteriorating health of your loved one, a crumbling social security system and growing financial needs of your dependents. However, you will do yourself a big favor if you have secured enough to meet all of your future requirements without any hassle. This will provide you with peace of mind when you need it the most.Money Depreciates in Value: Considering the current inflation rate, the value of money is going to decrease considerably, say in next 30 years. Unless you plan properly, your buying and sellin g power will not be the same as it is today. It is important for you to recognize the true potential of saving in future terms if you donât want to ruin your last years of your life struggling with financial problems.MOST POPULAR RETIREMENT PLANS FOR ENTREPRENEURSAs an entrepreneur, it is your own responsibility to determine what type of retirement plan suits your particular requirements. It can be a bit confusing because there are plenty of options to choose from. In this regard, following are some of the most comment retirement plans you might consider.The Small Business or Self-Employed 401(k)A 401(k) is perhaps the most popular retirement plan not only among employees, but entrepreneurs as well. All the big banks in the United States offer different variations of this very plan such as the self-employed 401(k) or small business 401(k). In simple words, a 401(k) is all about investing a portion of your income in a mutual fund. There is a pool of management investments or contri bution that helps your investment grow over time.You can slightly reduce your tax burden as all the contributions are pre-taxed based. The major difference between self-employed and small business plans is that the former does not have any set up fee. For small business plans, set up fees are scaled to the size of your business and they cover multiple employees. Similarly, your selected institution will handle distribution of the profits and tax advisory services.Simple IRA PlanIf your company has less than 100 employees, you might consider a Simple Individual Retirement Account (IRA) plan. Contributions are mostly done in the form of payroll deductions before the tax is paid. This plan requires both the employer and the employees to contribute some portion of their salary from each paycheck.You, as an employee, must make a matching contribution dollar for dollar, and it can be up to 3% of the compensation you pay to an employee. On the other hand, you can make a fixed contribution for all eligible employees even if they donât contribute to the plan. This contribution can be up to 2% of their respective compensations. You can include all new employees in this plan without their consent but must also give them the option to opt out.There are many institutions across the country which can help you to establish a simple IRA for your business. Similarly, if you are already dealing with a certain bank, they might also have provisions to set up a simple IRA for you.Retirement-Oriented Profit SharingRetirement-oriented profit sharing is an option for you if you cannot afford the fees of the 401(k) or you are not sure whether your business requires a simple IRA or not. The discretionary nature of the profit sharing plan also gives you the liberty to set any threshold level in terms of how the plan will be kicked in and how the profits will be distributed.Most profit sharing plans are launched at the end of the fiscal year when all the expenses have been calculated. This simply means that you will not be working with pre-tax gross but have to deal with post-tax net profit. Profit sharing plans can reduce your saving efficiencies and increase tax expenses, but it will make employees feel more empowered to achieve the organizational goals as well.Simplified Employee Pension (SEP) PlanYou can set up SEP-IRAs for all of your employees and yourself through a Simplified Employee Pension (SEP) plan. You have to make a uniform contribution for each of the employees, but it is not compulsory to make a contribution every year. If you automate the contributions and define them well, the pension plan can work perfectly both for you and your employees. In fact, missing a contribution to the SEP can also be an advantage for you, especially if your company is having a really bad year.Again, almost all large financial institutions provide the facility of SEPs but its forms are a bit more complex as compared to IRA plans. Advisory services and fees vary from in stitution to institution. It is also pertinent to note that you are not bound to make any contribution as a package deal because this is essentially a pension plan. You must take a good look at the plans and make a decision accordingly. However, you have to maintain transparency so everyone knows what the scope of the pension plan is and how it is going to help them.Individual Pension Plan (IPP)More and more entrepreneurs are investing in Individual Pension Plans nowadays. Essentially a type of Defined Benefit Pension Plan, IPP helps you to secure your retirement in addition to increasing your tax-deferred retirement plan contributions. You make contributions according to a set formula based on the total years of your services and your age.The first year contribution can be as big as $40,000 where your company has to contribute most of the money. However, this type of plan is well-suited to rich businessmen only because the annual contributions are $100,000 or more. The good thing i s that the amount paid by the company will decrease as the contribution is a tax-deductible expense.Insured Retirement Plan (IRP)I would also suggest you try an Insured Retirement Plan, especially if you are still 10-15 years away from retirement. Similarly, if you are looking to acquire life insurance, it is better to invest in an insured retirement plan rather than choosing traditional insurance. As a matter of fact, insured retirement plans offer additional income through a life insurance that is, of course, exempted from all kinds of taxes. This type of retirement plan can also be a great option for you if you are already maximizing your contributions to Registered Retirement Saving Plans (RRSP).Retirement Compensation Agreement (RCA)You can also invest in the Retirement Compensation Agreement for the welfare of key employees of your company, including yourself. As the name suggests, RCA is a sort of agreement in which an organization makes a contribution to a third party that i s commonly known as a custodian. These contributions are later delivered to the employee at the time of his retirement or termination.As compared to other retirement plans discussed above, RCA is rather complex and unsuitable for every entrepreneur. However, it has certain benefits such as it helps you to avoid valuation requirements as in the case of IPP. Similarly, the tax will not be deducted from the contribution until the employee receives the benefits.Money-Purchase Pension Plan (MPPP)Both you and your employees make contributions to a Money-Purchase Pension Plan according to the terms of the agreement where the contributions are based on annual salaries. You can purchase a sort of allowance for your lifetime at the time of your retirement using the total pool of capital in your account. Obviously, the amount of capital varies from member to member based on their level of contribution and return on investment of those contributions. An MPPP depends upon your employees to ensur e adequate levels of retirement income for all the members including the employers.HOW ENTREPRENEURS CAN PLAN FOR RETIREMENTThere is nothing wrong in saying that most entrepreneurs lose sight of their retirement goals because they have so many duties to perform. However, there are many things you can do to make your retirement smooth and hassle-free as explained below.Save Money for RetirementYou must start saving a substantial amount of money for your retirement right now because saving for retirement is not a sprint but a marathon. There are many businessmen who invest all their resources, energy and money back into their business and cut a sorry figure when they retire. You should not repeat this mistake as it is vital to start saving as soon as possible.Choose a Retirement PlanOne of the easiest methods of saving money for retirement is to invest in a retirement plan. There are plenty of retirement plans for entrepreneurs, and you can choose one depending upon your particular re quirements, obligations, and investment limits. Investing in a retirement plan of your choice is a decision will not regret.Groom a Worthy SuccessorIt is never a wise idea to postpone the creation of a succession plan. Just like the retirement plan, you should start formulating a succession plan as early as possible even if your retirement is decades away. Grooming a worthy successor, whether it is your son, daughter or anyone else, means you and your business will always remain in good hands.Formulate a Realistic Retirement StrategyYou should have a good idea about how many more years you want to work or when you are going to retire. You should not put off your retirement plan because retirement often comes earlier than you expect. Put all your requirements and ideas in black and white, as it will make things smoother for you. Do all things legally to make sure that you donât jeopardize your retirement.Prepare a Good Tax StrategyThere are many things you need to beware of when pl anning for retirement and the most important of them is the tax implications. For instance, you are eligible for a capital gains exemption (up to $70,000) if you are selling your business. It is always better to work with a trusted legal professional to better understand tax requirements and how to meet them.Identify Sources of Your Retirement IncomeIt is foolish to think that you will fund your retirement simply by selling your business. The value of a business can depreciate over time or you may even decide to pass on the business to your heir. What you will do if anything like this happens? Similarly, money received from social security is never enough to live a post-retirement dream life. Therefore, it is important for you to identify all sources of income that can fund your retirement and make it pleasant rather than a nightmare.Your business is just like your child, and it is always difficult to bid farewell to someone you love so dearly. It is a herculean task to set up a suc cessful business, and it is even more difficult to sell it or pass it on to someone else. However, you have to go through this ordeal one day, and you can make the transition as smooth as possible with some careful retirement planning.
Sunday, June 21, 2020
Pride And Revenge In The Cask Of Amontillado - Free Essay Example
The The Cask of Amontillado is a Gothic fiction by Edgar Allan Poe who develops the theme of pride and revenge to show the motive for Montresor actions and to foreshadow what is to happen in the story. The Cask of Amontillado is told in past tense about a chilling murder Montresor committed 50 years ago. The narrator says the reason for his cruel intentions, was because Fortunato had wronged him for some unknown reason. All we know is that Montresor wants revenge, and he thinks his actions are right and just. As you continue reading, you see that the narrator has gruesome detail on he plans to kill Montresor and how revenge and obsession can dominate a personrs thoughts. Poes dark style is one of his key trademarks in his writings. The Cask of Amontillado is no different. In the story we see how Montresor obsessions continues thru out the story. Montresor family quote Nemo me impune lacessit translates to No one insults me without impunity This quote is a leading factor to making Montresor obsessed with killing Fortunato who offended him for some reason we are never told. The story begins with . The supreme madness of the carnival season. This quote implies that there is going to madness, irrationals choices are going to be made during that day. Then as the story, the characters get to damp catacombs. The catacombs imply that death will be happening and gives us an image of a resting place for a murder. Montresorrs obsession with killing is also seen within the dialogue of the characters. I shall not die of a cough says Fortunato as he walks down to the catacombs. Revenge has also been seen with the irony in the story. Poe uses dramatic and very irony as a way to add darkness to The Cask of Amontillado. An example of dramatic irony is when Fortunato is dressed as a jester and intoxicated when Montresor approaches him at the carnival. We see Montresor be almost exited by Fortunato drunk state. Part of the irony is that Fortunato name means Good Fortune. As we learn thru the story, we know Montresor is planning revenge on Fortunato. The irony being that Fortunato will not have good fortune in the story. This irony become apparent after you read the story, because Fortunato fortune is anything but good. An example of verbal irony is how Fortunato uses the word Ignoramus to tell of a person. Ignoramus means a stupid and ignorant person. Fortunato is the ignoramus one thou, because he is so ignorant to everything happening around him. Fortunato had many chances to escape death, but never takes the chance. He is to intoxicate to understand the situation. Another example of verbal irony is when Montresor and Fortunato are walking down to the catacombs and Fortunato starts to cough. Montresor keeps asking Fortunato if he would like to turn around. Fortunato replies I shall not die of a cough (Poe 63). The irony is that Fortunato wont die of a cough. He is walking to his death in the catacombs, were Montresor will kill him.
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