The only thing you have to do in this world free essay sample

My father once told me, The only thing you have to do in this world is die and pay taxes. Thoreau didnt pay his for 6 years and was placed in jail for a period of one night and even then he believed that he was freer than the townsmen. My professor and I spoke about Thoreaus essay, Resistance to Civil Government, that he wrote in his over night stay in jail and came to the conclusion that we have a disagreement on a few items. My professor disagrees with Thoreau for based on what we have talked about and read he believes that the goal of a good government are the most basic and fundamental principles that help the country. If a country does not have these there is no control or laws on which one may need to follow in order to have a successful government. Our legal system was made so that we could enforce change. We will write a custom essay sample on The only thing you have to do in this world or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page If we choose to to ignore this there is no progress in government. I have only a few agreements in Thoreaus essay and that is on his refusal on paying the church and his opinion on voting. I agreed with Thoreau in the matter of not paying taxes and that is only because he refused to pay the church that he did not even attend, but they demanded a payment. I wouldnt want to be paying for something, or in this case someplace, that I do not use or go to. In both cases of paying the church and the six years of poll taxes in which he refused to pay someone else did for him. I disagree with this person(s) who did this for him for I believe that one should pay for their bills and when they do not they go to collections or in this case jail and stay there until it is paid. For Thoreaus opinion on voting he states, Even voting for the right is doing nothing for it.(Thoreau 12) Thoreau saw voting as a gamble. He also saw it as whether the majority will be right or wrong. When I use to vote, I assumed that I was voting for the right person based on what was told to me and presented to me given the circumstances and available options, but I also accept that who I saw as wrong might be in office only because the majority voted that way. I believed that when voting I could choose the best from the worst. As Thoreau has stated, They take too much time, and a mans life will be gone (Thoreau 20), meaning voting is slow and often ineffective to bring about change for there may be little left to be changed. In the film, Do Not Resist by Director Craig Atkinson, a city council meeting on August 12, 2013 was filmed in Concord, New Hampshire on the voting and purchasing of a Bearcat. The citizens of Concord made statements to the City Council that purchasing a Bearcat was not necessary or even needed there. One citizen even said, So the idea that we should have that just because its free money. Its not free money. Its all of our money and its more then just all of our money. Its debt. And debt is a form of slavery. The more this country goes into debt. The heavier the chains on all of us. (16:14-54) Heavy huh? Makes you think about when someone in politics says its free why not get it. I go into question mode. Where did the money come from then? Is it a fund put in by others? Did you put on a fundraiser to get these items that you are stating are free but then find out its federal government money and then a light bulb goes on and its not longer free money cause its tax money that we as hard working citizens put into and so WE are buying this so-called free Bearcat. Both of us agree that there is a need to reform the government and the means of accomplishing it is Both of us want a better government and to do so one must talk instead of just letting it happen. If a law is broken, a person must accept the consequences, which may be the penalty of jail time.

Fruit Juices essays

Fruit Juices essays Children and the Intake of Fruit Juice A recent controversy that is still semi-continuing is whether or not fruit juice consumption has a negative effect on growing children. There are always two sides to every story. The kind of juice being referred to is only 100% juice. Other juice drinks are being mistaken for fruit juice. For example, fruit drinks, such as sport drinks, or less than 100% juice drinks. Fruit juice does have its positives. When consuming 100% fruit juice, children are taking in several important nutrients such as ascorbic acid, folate and potassium (3). A negative to fruit juice is that is high in sugars/carbohydrates. Back in 1997 a study was done between the correlation of fruit juice consumption and childhood obesity and short stature. The study publicized their results that fruit juice did have a relationship to obesity in children and height. It was then suggested for parents to limit the intake of juices for their children. One of the methods they said to control fruit juice consumption was to dilute the juice with water when being served to children (3). This study did not take into effect what the children were eating as well as drinking. They could have absorbed two different types of children to help formulate their opinion. The first type of child could have been a child that consumed a mass of amount of fruit juice and because of the high caloric intake, might have lead to a slight increase in weight, especially if the child was not active. The other child could have been consuming fruit juice as well as eating foods high in fat with the juice. Both of these situations could make it appear that fruit juice could have a relationship to childhood obesity when not taking into consideration the food intake of the child. Childhood obesity could be the result of many factors. The study did not realize that because children do like the sweet taste in juice that as the fruit juice intake ...

Marketing Research ( Slumber Party Kit ) Essay Example | Topics and Well Written Essays - 500 words

Marketing Research ( Slumber Party Kit ) - Essay Example This plan would help Pillow Fight Night, the slumber party kit provider to employ its market research effectively. Methods and Procedures ‘Pillow Fight Night’ sells slumber party kits and it offers a wide range of benefits to its customers. Since there are a large number of websites that offer slumber party kits to its customers, Pillow Fight Night will have to analyze recent trends in market for its further expansion. In order to identify the threats and opportunities for Pillow Fight Night in market, the company may use several methods in its market study. Firstly, the company can make use of online survey methods in the form of Google advertisements programs, which should be published on some popular sites so that the company may collect feedback from those who click on the advertisements. In the advertisements, there must have a column provided for knowing customer requirements. According to Christ (2009), it is suggestible for the company to organize some TV program s or road shows as an advertisement strategy which would assist the firm to publicize various packages. In such programs, the company should try to familiarize its products and services. The website mainly markets a few packages; hence they need to examine whether these kits satisfy their customers at the anticipated level.

ARTICLE BRIEF Essay Example | Topics and Well Written Essays - 250 words

ARTICLE BRIEF - Essay Example v. Commissioner, 350 U.S. 46 (1955). According to the ruling, capital assets include the property held by the taxpayer but does not include goods in trade or assets held by the taxpayer for the primary purpose of resale. It is, therefore, viable to conclude that Haig Simmons did not incur a loss on capital and hence the loss is categorized as ordinary. The Supreme Court held the verdict of the Court of Appeals and the Tax Court that the petitioner’s future business transactions are designed to caution its manufacturing business against the price increase that would reduce the profit margin. In this case, Anderson (2001) declares that the loss emanating from such transactions should be included as an income when determining the tax payable. Similar ruling was made on March 7, 1988 in the case Arkansas Best Corp. v. Commissioner, 485 U.S. 212 (1988). In the case, the court noted that future transaction had a consistent trend of giving rise to huge gains that went untaxed. The court therefore held that the petitioner should be slapped with a tax burden with the future loss as part of taxable income. In conclusion, losses emanating from future contracts form a part of the loss on inventory and hence the amount in the transaction should be incorporated as an income to the enterprise but not as a loss on

Legacy Business Project Essay Example | Topics and Well Written Essays - 500 words

Legacy Business Project - Essay Example Completing legacy business project on Cliff’s hardware instilled in me clear knowledge about systems and agency or stewardship surrounding family businesses. Completing the project made me realize the family business system is comprised of three mutually dependent and overlapping groups, which include the family, business and ownership. The overlap creates numerous groups within the family business with varying opinions, interests and objectives. Besides family owners, there are family members, family employees, family owner-employees, non-family owner employees as well as non-family employees. For example, we found out that Cliff’s hardware family business is managed by the family members including Martha Asten and Terry Asten Bennett, who has been Cliff’s Variety manager since the 1990s. There are also employees, who are not part of the Asten family. Based on the research, it was clear that the probability of a family business transitioning successfully from the first to the second generation is usually slim and grows slimmer as the business progresses to successive generations. Like in every business, family business is not immune to the issues of stewardship of agency. The interest of the family business must be protected because the overlapping groups with varying interest and opinions try to push for their own ends. A healthy family system is usually advantageous to the family business while a broken family system will negatively impact the health of the family business. Trust is often a critical ownership tool in family businesses. Holding regular meetings is crucial for the growth and survival of legacy businesses because it creates a platform for discussions beyond the confines of boardrooms. For example, in our project during our attempts to reach Martha, a second-generation member of the family business, we were told by Frank, an employee at Cliff’s that Martha and other family

Obesity is a long-term complex condition

Obesity is a long-term complex condition Obesity is a long-term complex condition which has become a worry for many people in our culture nowadays and it is important to obtain and realizing of what obesity is. According to Wlardlow (Journal of the Hela, 2000, vol. 7) obesity is defined as a condition characterized by excess body fat and also defined as being 20% above the average weight. Generally increase consumption of foods high in fats and sugars may lead to obesity. According to research, we all have and require fat tissue in our bodies. When there is too much body fat, the result is obesity (The World Book Multimedia Encyclopedia CD-ROM, 1996). Classification of obesity is commonly based on Body Mass Index (BMI) which adjusts body weight for height is associated with the total body fat content in adults. A BMI of 25-29.9 is classified as overweight while a BMI of 30 or greater is considered obese. The energy needed by the human body is divided into two. Primary energy is needed by the human body for non-voluntary act ivities, such as heart rate, breathing, bowel movements, and others and secondary energy activity and movement is caused by human use during the day walking, swimming and movement in general. The World Health Organization, the National Institute of Health. Its over- all prevalence has increased by 33% in the last decade (Merck, 2003, pp. 685-687). Researchers have found that obesity is directly related to an increase in the mortality rate (Journal of American Medical Assoc., 2003, vol. 289, 2, pp.187-193). Obesity tends to run throughout ones life, meaning that its presence at any age will increase the risk of the condition at later ages. This paper discussed the causes and effects of obesity.  Obesity can contribute to many adverse health outcomes which increase ones risk of developing high blood pressure, diabetes, heart diseases, stroke, gallbladder disease, cancers, pulmonary disease, bone joint disorders and early death( Rosemary., para.2 ).Each plays an important role so many people are overweight or obese nowadays because of many factors that influence being obese or overweight which include behavior, environment , eating habits and lifestyle changes all plays an significant role in obesity. According to the American Medical Association, being obese means that 30% of your ideal body weight is constituted by fat (Atkinson, 1999). Obesity is the worlds biggest health epidemic at the moment! Preventing obesity is one of the main steps that we need to focus on. Causes of Obesity To begin with, there are many causes that lead people to become obese. First of all, many people get obese because of heredity. For example, if the person has a strong family history of obesity, he will have the tendency to be obese more than the other people with no family history. Some people are prone to gain weight and store fat due to increase in genetic. Although not everyone with this tendency will become obese, some persons without genetic tendency do become obese. This is due to our genes that decides the level of metabolism. Wardlaw, Insel and Seyler suggest that genetic background accounts for about 70% of weight differences between people. The genetic and hormonal problems lead people to get higher weight than they should as it tends to run in families. The sedentary life style of some people also plays a role in being obese. Technology has made labor and timesaving products such as, cars, computers and TVs with remote controls devices reduces  the overall amount of energy used in their daily lives (NIDDK, 2001). Employers do not give efforts for the physical activities and most hold jobs that involve minimal physical labor especially at work places. If people do not practice enough exercise due to the use of cars instead of walking. For example, lack of movement due to demand for watching TV and playing video games rather than engaged in playing different sports. Besides, eating habits include the spreading of the fast food which contain high amount of fat and calories and changing environment has widened food options and eating habits. for example, Shelves in the supermarkets are stocked with a greater selection of foods, soft drinks, fast food restaurants and pre-packaged foods are more accessible today. Although such foods are fast and convenient they tend to be very high in fat and calories contributing to an excess caloric intake, causing weight gain (National Institute of Digestive, Diabetes and Kidney Disease, 2001). So people are not aware of the quality and quantity of the food, they will certainly end up in raising their weight. The psychological condition has great influences on some people to become obese especially those who suffer from certain emotional or stress problems, because their feelings influence their eating habits, causing them to overeat.

Ah, Wilderness - Significance of the plays title Essay -- Ah Wildern

Ah, Wilderness - Significance of the play's title The title of the play, Ah, Wilderness, by Eugene O'Neill, plays a significant role in the understanding of the play. The "wilderness" is used as a metaphor for the period in a male's life when he is no longer a boy, but not yet a man. This play tells the story of the coming-of-age of Richard, and the evolution he undergoes while becoming a man. The "wilderness" used in the title is a metaphor for the years between childhood and manhood. Life, for a man, is like the woods. When one is a boy, he is in a clearing. Everything told by adults is taken as truth, and because of this trust the truth is clear. As one enters the in-between years, the truth is no longer as clear. The developing mind begins to question the notions held by those in control, parents in particular. This period is like a wilderness one must wander through. When one exits the woods, things once again become clear. One no longer feels the need to wander aimlessly through the darkness, and one usually returns to the truths instilled by parents. Richard begins the play as a boy on the verge of manhood. A studious youth, just beginning to sow the seeds of rebellion, he at first feels no need to rebel against things close at hand. This soon changes with a visit to his father from Richard's girlfriend's father. Richard has been sending poetry to Muriel, his girlfriend, and her father sees the subject matter of this poetry as inappropriate. Unbeknownst to Richard, Muriel has been coerced into writing a letter to him breaking off the relationship. Richard feels so heartbroken he rebels against everything. This moment is the point in which Richard enters the "wilderness." The perfect opportunity to prov... ...uneasy side glances, and steels himself for what is coming." Richard has come back around to his prior ways of thinking. He now states "(His head down humbly.) I know I was a darned fool" (844). Richard, in the course of the play, makes the transition from boyhood to manhood. As with most young men, Richard enters the "wilderness", a metaphor for the stage of rebellion, and exits with no lasting scars. Richard's father, like most parents, realizes that Richard has walked out of the wilderness and states, " . . . I don't think we'll ever have to worry about his being safe--from himself--again. And I guess no matter what life will do to him, he can take care of it now" (845). This statement shows the necessity of the wilderness to the evolution of man, and the importance of a father's understanding during this important stage of development. Ah, Wilderness - Significance of the play's title Essay -- Ah Wildern Ah, Wilderness - Significance of the play's title The title of the play, Ah, Wilderness, by Eugene O'Neill, plays a significant role in the understanding of the play. The "wilderness" is used as a metaphor for the period in a male's life when he is no longer a boy, but not yet a man. This play tells the story of the coming-of-age of Richard, and the evolution he undergoes while becoming a man. The "wilderness" used in the title is a metaphor for the years between childhood and manhood. Life, for a man, is like the woods. When one is a boy, he is in a clearing. Everything told by adults is taken as truth, and because of this trust the truth is clear. As one enters the in-between years, the truth is no longer as clear. The developing mind begins to question the notions held by those in control, parents in particular. This period is like a wilderness one must wander through. When one exits the woods, things once again become clear. One no longer feels the need to wander aimlessly through the darkness, and one usually returns to the truths instilled by parents. Richard begins the play as a boy on the verge of manhood. A studious youth, just beginning to sow the seeds of rebellion, he at first feels no need to rebel against things close at hand. This soon changes with a visit to his father from Richard's girlfriend's father. Richard has been sending poetry to Muriel, his girlfriend, and her father sees the subject matter of this poetry as inappropriate. Unbeknownst to Richard, Muriel has been coerced into writing a letter to him breaking off the relationship. Richard feels so heartbroken he rebels against everything. This moment is the point in which Richard enters the "wilderness." The perfect opportunity to prov... ...uneasy side glances, and steels himself for what is coming." Richard has come back around to his prior ways of thinking. He now states "(His head down humbly.) I know I was a darned fool" (844). Richard, in the course of the play, makes the transition from boyhood to manhood. As with most young men, Richard enters the "wilderness", a metaphor for the stage of rebellion, and exits with no lasting scars. Richard's father, like most parents, realizes that Richard has walked out of the wilderness and states, " . . . I don't think we'll ever have to worry about his being safe--from himself--again. And I guess no matter what life will do to him, he can take care of it now" (845). This statement shows the necessity of the wilderness to the evolution of man, and the importance of a father's understanding during this important stage of development.

Skoog Solution of Chapter 15

Crouch Principles of Instrumental Analysis, 6th ed. Chapter 15 Instructor’s Manual CHAPTER 15 15-1. In a fluorescence emission spectrum, the excitation wavelength is held constant and the emission intensity is measured as a function of the emission wavelength. In an excitation spectrum, the emission is measured at one wavelength while the excitation wavelengths are scanned. The excitation spectrum closely resembles an absorption spectrum since the emission intensity is usually proportional to the absorbance of the molecule. 15-2. a) Fluorescence is the process in which a molecule, excited by the absorption of radiation, emits a photon while undergoing a transition from an excited singlet electronic state to a lower state of the same spin multiplicity (e. g. , a singlet > singlet transition).Phosphorescence is the process in which a molecule, excited by the absorption of radiation, emits a photon while undergoing a transition from an excited triplet state to a lower state of a different spin multiplicity (e. g. , a triplet > singlet transition). (c) Resonance fluorescence is observed when an excited species emits radiation of he same frequency at used to cause the excitation. (d) A singlet state is one in which the spins of the electrons of an atom or molecule are all paired so there is no net spin angular momentum (e) A triplet state is one in which the spins of the electrons of an atom or molecule are unpaired so that their spin angular moments add to give a net non-zero moment. (f) Vibrational relaxation is the process by which a molecule loses its excess vibrational energy without emitting radiation. 1 Principles of Instrumental Analysis, 6th ed. (g) Chapter 15Internal conversion is the intermolecular process in which a molecule crosses to a lower electronic state with emitting radiation. (h) External conversion is a radiationless process in which a molecule loses electronic energy while transferring that energy to the solvent or another solute. (i) I ntersystem crossing is the process in which a molecule in one spin state changes to another spin state with nearly the same total energy (e. g. , singlet > triplet). (j) Predissociation occurs when a molecule changes from a higher electronic state to n upper vibrational level of a lower electronic state in which the vibrational energy is great enough to rupture the bond. (k) Dissociation occurs when radiation promotes a molecule directly to a state with sufficient vibrational energy for a bond to break. (l) Quantum yield is the fraction of excited molecules undergoing the process of interest. For example, the quantum yield of fluorescence is the fraction of molecules which have absorbed radiation that fluoresce.Chemiluminescence is a process by which radiation is produced as a result of a chemical reaction. 5-3. For spectrofluorometry, the analytical signal F is proportional to the source intensity P0 and the transducer sensitivity. In spectrophotometry, the absorbance A is proporti onal to the ratio of P0 to P. Increasing P0 or the transducer sensitivity to P0 produces a corresponding increase in P or the sensitivity to P. Thus the ratio does not change. As a result, the sensitivity of fluorescence can be increased by increasing P0 or transducer sensitivity, but the that of absorbance does not change. 2 Principles of Instrumental Analysis, 6th ed. Chapter 15 5-4. (a) Fluorescein because of its greater structural rigidity due to the bridging –O– groups. (b) o,o’-Dihdroxyazobenzene because the –N=N– group provides rigidity that is absent in the –NH–NH– group. 15-5. Compounds that fluoresce have structures that slow the rate of nonradiative relaxation to the point where there is time for fluorescence to occur. Compounds that do not fluoresce have structures that permit rapid relaxation by nonradiative processes. 15-6. The triplet state has a long lifetime and is very susceptible to collisional deactivation.T hus, most phosphorescence measurements are made at low temperature in a rigid matrix or in solutions containing micelles or cyclodextrin molecules. Also, electronic methods must be used to discriminate phosphorescence from fluorescence. Not as many molecules give good phosphorescence signals as fluorescence signals. As a result, the experimental requirements to measure phosphorescence are more difficult than those to measure fluorescence and the applications are not as large.3 Principles of Instrumental Analysis, 6th ed. 15-7. Chapter 15 4 Principles of Instrumental Analysis, 6th ed. 5-8. Chapter 15 15-9. Q = quinine ppm Q in diluted sample = 100 ppm ? 245 = 196 125 mass Q = 196 mg Q 500 mL ? 100 mL ? = 490 mg Q 10 mL solution 20 mL 3 5 Principles of Instrumental Analysis, 6th ed. 15-10. cQ = A1csVs (448)(50 ppm)(10. 0 mL) = = 145. 45 ppm ( A2 ? A1 )VQ ( 525 ? 448) (20. 0 mL) Chapter 15 145. 45 ppm ? 1 mg quinine 1 g solution ? ? 1000 mL = 145. 45 mg quinine 3 1 mL 1 ? 10 g solution 0. 225 g Q ? 100% = 3. 43% 4. 236 g tablet 15-11. Assume that the luminescent intensity L is proportional to cx, the concentration of iron in the original sample.Then, L1 = kcxVx / Vt where Vx and Vt are the volume of sample and of the final solution, and k is a proportionality constant. For the solution after addition of Vs mL of a standard of concentration cs, the luminescence L2 is L2 = kcxVx / Vt + kcsVs / Vt Dividing the second equation by the first yields, after rearrangement, cx = L1csVs (14. 3)(3. 58 ? 10? 5 )(1. 00) = = 1. 35 ? 10? 5 M ( L2 ? L1 )Vx (33. 3 ? 14. 3)(2. 00) 15-12. Assume that the luminescence intensity L is proportional to the partial pressure of S* . 2 We may then write L = k[S* ] 2 and K = S* ][H 2 O]4 2 [SO 2 ]2 [H 2 ]4 where the bracketed terms are all partial pressures and k and K are constants.The two equations can be combined to give after rearrangement 6 Principles of Instrumental Analysis, 6th ed. Chapter 15 [SO 2 ] = [H 2 O]2 [H 2 ]2 L kK In a hydr ogen-rich flame, the pressure of H2O and H2 should be more or less constant. Thus, [SO 2 ] = k ? L where k? = 1 kK 15-13. The fluorescent center is the rigid quinoline ring, which is rich in ? electrons. 15-14. From Equation 15-7, we can write F = 2. 303 ? f K bcP0 = 2. 303 ? K cP0 ? 0 Dividing both sides by the lifetime ? yields F = 2. 303K bcP0 ? ?0 Since K? , ? , b, ? 0 and P0 are constants, we can write F ? = Kc where K is a compilation of all the constants in the previous equation. 7 Principles of Instrumental Analysis, 6th ed. 15-15. (a) Chapter 15 (b) (c) The corrected fluorescence Fcorr would be Fcorr = F? 0/? , where F is the observed fluorescence, ? 0 is the lifetime for [Cl–] = 0. 00, and ? is the observed lifetime. The results are in the spreadsheet. 8 Principles of Instrumental Analysis, 6th ed. Chapter 15 9

Pacing in Writing 10 Powerful Ways to Keep Readers Hooked

Pacing in Writing 10 Powerful Ways to Keep Readers Hooked Pacing in Writing: 10 Powerful Ways to Keep Readers Hooked If you’ve ever bitten your nails in expectation while reading a novel - or struggled to focus on a particularly long passage of a book - then you already have firsthand experience when it comes to learning how readers can be affected by the pacing in writing. Pacing refers to the speed at which the action takes place. It’s a vital part of your story, and it takes time and careful consideration to get just right. What is pacing and why is it important? Learn the answer here Why exactly is pacing important?Think all you need is a compelling character to hook readers? Well†¦ you need a bit more than just that. Wonderfully drawn characters can’t keep your readers interested forever - even a book featuring beloved characters like Indiana Jones, Harry Potter, or Elizabeth Bennet would be a slog if the first fifty pages described them slowly going about their daily activities.That's where pacing steps in. Pacing affects the mood of your story, helps develop ideas and themes, and allows your readers to connect to the characters and the events that surround them.While it might be easy to think that a fast pace will be most effective, the truth is that it depends on the story you’re telling. While thrillers tend to be quick and action-packed, romances and other character-driven stories sometimes work best when they take their time.To see what "fast-paced" means, check out these 23 psychological thrillers that will make your head spin.That sai d, the most important thing to keep in mind when you're outlining your novel and thinking about pacing is balance. A single story can’t (and shouldn’t) be all fast or all slow. Instead, there should be a trade-off between the two. This provides variety, makes the story interesting, and keeps the readers hooked.Think about it as music: it’s the highs and lows combined that makes a song appealing to the ear. If it was made up of a single, flat note, it would be pretty boring, wouldn’t it?What techniques have you used to change the pacing of your story? Let us know in the comments below!

Deferred Compensation

Deferred Compensation Deferred compensation plans are arrangements by which a part of an employee’s compensation is paid at a later date, or put into investment instruments that the employee can only access at some point in the future Benefits and Hazards of Deferred Compensation There is a large variety of deferred compensation plans, arrangements by which a part of an employee’s compensation is paid at a later date, or put into investment instruments that the employee can only access at some point in the future. There are two basic reasons for deferred compensation. From the employee’s point of view, it reduces  or at least postpones his income tax liability. For employers, deferred compensation helps to manage payroll costs and can be used as an incentive for better employee performance. Types of Deferred Compensation The most common type of deferred compensation plan is the â€Å"defined contribution plan†: A  portion of the employee’s pay is deducted and invested on his behalf, usually in some form of mutual fund.   These are familiar to workers in the US as the â€Å"401(k)†, named after the section of Internal Revenue Code that pertains to them. The deferment from the employee’s salary is made before income taxes are withheld, which is a benefit to both employees and the employer. Employees do not pay taxes on their investments until they withdraw them sometime in the future, and employers are able to reduce the amount of withheld taxes they must remit to the government. Many employers also match all or part of the employee’s contribution, providing an extra incentive for employees to participate in the program; this helps to reduce the company’s transactions costs for maintaining the investment package. In the US, 401(k) programs have the added security of being protected by law from creditors in case of the company’s bankruptcy, although the value of the employees’ investments can fluctuate; in the wake of the 2008 financial crisis, millions of US workers saw the value of their 401(k) savings drop as stock markets plummeted. Other kinds of deferred compensation packages not covered by the same regulations as 401(k) programs are more risky, although they generally offer higher returns. Non-401(k) programs are generally only offered to the highest-earning employees who also pay the highest rates of income tax. The main reason for these kinds of programs is that there are legal limits on the amount of money that can be deferred into a 401(k). The main risk is that there is much less regulation of non-401(k) programs, and they are not protected from bankruptcy. Many workers in the US discovered they had lost their investments in the wake of the financial crisis when their employers declared bankruptcy. Read also:  Financial Rewards  |  Money Makes the World Go Around Stock purchase plans and stock option plans are also common forms of deferred compensation: In a stock purchase plan, the company establishes a trust to receive employee contributions, which are converted to shares of the company’s stock.   Stock purchase plans are regulated in much the same manner as 401(k) programs, the only real difference being that instead of contributions being invested in an array of mutual funds, they are only reinvested in the company. The plan is popular with employers and employees alike; for employers, the stock purchase program is reflected in better cash flow and tax savings and is seen as a useful tool to increase employee productivity. Employees benefit by gaining an ownership stake in the company, and some small degree of control over the growth in value of their investments. Stock option plans differ in that the employee is not actually compensated in the form of stock, but â€Å"earns† options to purchase the company’s stock at a low fixed price in the future.   A stock option plan has most of the same benefits as a stock purchase plan  but allows the company to keep control over its shares for a longer period. Employees in rapidly-growing companies benefit the most from stock option plans; a well-known recent example is Facebook, which launched a highly-publicized – and unintentionally controversial – IPO in 2012. Facebook employees who had exercised their options prior to the IPO were able to profit handsomely from the high price Facebook shares fetched in the market, but their returns were reduced somewhat by a condition that they hold their shares for a time before selling them; Facebook’s share price dropped rapidly after the IPO, so employees who waited too long to sell shares saw very little profit, or even lost money in some cases. Another less well-known version of a stock-based deferred compensation plan is called the â€Å"phantom† stock plan: It provides employees benefits similar to those they would receive from owning company stock, without actually giving stock to the employees.   For example, employees might be compensated in â€Å"stock credits† equivalent to shares of stock, from which they can receive bonus payments based on the stock’s performance or dividends paid. Because phantom stock plans are hard to regulate and do not provide many benefits to employers as conventional purchase or option plans. What Should  Employees Look for in Deferred Compensation Plans? Because deferred compensation programs are based on investments that can lose as well as gain value, employees considering a compensation offer should make sure they understand the details of the deferred compensation package. 401(k) programs are the most highly-regulated and most secure  but vary in the specific funds or investment instruments they contain. In the 2008 financial crisis, many 401(k) holders watched their investments vanish  because a large number of 401(k) funds were heavily invested in popular but ultimately worthless mortgage-backed securities. For stock-based deferred compensation plans, the biggest issue is what part of the employee’s compensation the plan is supposed to represent since it is very difficult to quantify the future value of stock. Employees should ask for details about whether a certain level of returns or other incentives is guaranteed, and what limits are imposed on stock purchases or sales. Compensation is compensation, whether deferred or not, and it is up to an  employee  to decide whether or not what he can expect to earn, in whatever form he will receive it, is a fair exchange for his work.

The Theme Of Fame In Ex-Basketball Player By John Updike Essay

The Theme Of Fame In Ex-Basketball Player By John Updike - Essay Example Pearl Avenue in the poem symbolically represents the road to success, which is, according to the author, a hard one to follow. It has many â€Å"bends† and it â€Å"stops† and â€Å"cuts off† in many places, thus making it a difficult path to traverse. Nature does endow human beings with many talents. However, all the people who are gifted with such talents do not become famous and it transpires that achieving fame is not an easy task. Thus, by using the symbol of Pearl Avenue, to represent the road to fame, the author contends that humans cannot attain fame easily. This is the reason why, despite being a gifted player, Flick is not able to attain real fame. This is one of the main ideas that Updike wants to convey the theme of fame in this poem.In an interview, the author admits that most of his stories derive from his â€Å"interest in the phenomenon of an athlete outliving his time†. In the instant case, Flick does not remain totally committed to his ca ll. Though he is shown as a highly gifted player, whose â€Å"hands were like wild birds† and whom â€Å"the ball loved,† he fails to maintain the cutting edge of performance, and, therefore, his fame vanishes. Thus, the author implies that simply by being talented, an athlete cannot sustain the fame. On the other hand, he or she needs to remain dedicated to the game and continuously improve his or her performance. This is the second idea about fame that the author wants to communicate to his audience through this poem.

Tourists decision-making Essay Example | Topics and Well Written Essays - 1000 words

Tourists decision-making - Essay Example Tourists’ decision-making Tourism experience motivates the ability, desire, style and quantity of tourism. These experiences ought to influence the future development and growth of tourism. They consist of sights, encounters, on-site activities, collecting of souvenirs and some sensations like. The tourism experiences should make the visit of the tourist memorable. Tourism experience involves services of a wide range such as transportation, accommodation and insurance. It also requires financial services, marketing and information in order to produce the requirements that are needed for tourism experience. The experiences help the tourists to know more about that destination. They should offer more information, adventure, relaxation and whatever else the tourists might require. Therefore, they should provide entertainment and excitement, as it is demanded. Entertainment, leisure and tourism industries have the responsibility of providing the satisfaction of tourism experience. The experiences are the driving force for leisure and tourism consumption. Tourists have a variety of tourist experiences to choose from. They are usually in need of a different experience from the normal. Some tend to distance themselves from their normal live and everything related to that and free themselves to experience the change and interact with new people.They should plan their tour depending on their expectations and what motivates them to choose the experience. Tourists should have a clear understanding of the activities that they would be involved in during the visit. The visit is expected to offer tourism experience that will be full of treasured memories and give total satisfaction. The purchase of a tourism experience is mainly influenced by the interest of the tourists. It can also be influences by self and cultural confidence. A tourist can be driven to purchase a tourism experience that involves discovering about a certain culture. This means that it would involve l earning about local or traditional foods of a culture. Having a taste of different foods is fun and interesting. The tourist was motivated to choose a destination depending on the attractions and activities of that region. Another motivation could be the desire for thing that are more authentic. Local foods are authentic and a symbol of the culture and region of a destination. This tourism experience