We use cookies to create the best experience for you. Keep on browsing if you are OK with that, or find out how to manage cookies.
1. What is social security from a macroeconomic view 2. Why do we need social security 3. why should I care about social security, Who is going to fund my social security benefit in 2055, Is there enough financing
1. What is social security from a macroeconomic view 2. Why do we need social security 3. why should I care about social security, Who is going to fund my social security benefit in 2055, Is there enough financing
2 pages (500 words)
Nobody downloaded yet
... Social Security Social Security constitutes of old-age and survivors insurance, hospital insurance and disability insurance. This is the U.S. government program, responsible for paying benefits to employees following retirement, to deceased employees’ spouses and children, as well as employees who end up being disabled prior to their retirement period (Weaver). In 2003, this program had not less than 47 million recipients whereby 32.6 million happened to be retired workers along with their dependent relations, 6.8 million were deceased employees’ survivors while 7.6 million happened to be disabled former workers along with their dependent relations. Social Security gets its finances from a payroll...
Preview
Pension System in China
Pension System in China
25 pages (6250 words)
Nobody downloaded yet
... evolution of the pension system in China Summary/Abstract The evolution of the pension system has been marred by inefficiencies and unfairness. The purpose of this paper is to analyze the aspect of inefficiency and unfairness in the evolution process of the pension system in China. The determination of China in establishing a pension system that is partially funded is deemed a step in the right direction. However, if the individual accounts are not separated from the social pooling, the replacements, the efficiency of the implicit pension debt, improvements in fund regulations and management may not be sustainable. The growth of the pension funds has consistently represented a challenge especiall...
Preview
Hire a pro to write
a paper under your requirements!
Win a special DISCOUNT!
Put in your e-mail and click the button with your lucky finger
Your email
YOUR PRIZE:
Apply my DISCOUNT
Business Ethics and Issues of Employment
Business Ethics and Issues of Employment
3 pages (750 words)
Nobody downloaded yet
... issues in Business: Employer/employee relations Ethics is a general term that describes the study of whatever is right and appropriate for humans. In business, ethics refers to all actions that take place in a business environment and how they impact on human value. Therefore, an evaluation of business practices can help to explain the level to which certain business observe ethics. When a business claims that it follows the rules of ethics, it means that it goes beyond facts in some cases to include the “ought to” of that situation. There are two forms of conventional ethics in business: Ethical relativism and Truth-telling (Arneson 46). Ethical relativism designates the universal values that apply ...
Preview
Employment Law - Problem Question
Employment Law - Problem Question
4 pages (1000 words)
Nobody downloaded yet
... LAW – PROBLEM QUESTION Introduction Employment law defines and regulates relationships between workers and their employers in an employment set up. The branch of law regulates and enforces rights and obligations that are accrued from an employer- employee relationship. This paper seeks to discuss some of the elements of employment law. The paper will explore a case study, to identify the legal principles involved, with the aim of offering legal advice to the involved parties. Issues The case involves three different counts between Christian, an owner of a catering firm and three employees to the firm. In the first count, Diana, a waitress who has just had a baby, is anxious about how she will manage ...
Preview
Personal financial planning report for Ms Lucy Hargreaves
Personal financial planning report for Ms Lucy Hargreaves
10 pages (2500 words)
Nobody downloaded yet
... Personal financial planning report for Ms Lucy Hargreaves Table of Contents Introduction 4 2) Goals & Objectives 4 2 Immediate Objectives 4 2.2) Long-term Goals 5 3) Current Scenario Analysis 6 3.1) Total Assets Analysis 7 3.2) Total Liabilities Analysis 7 3.3) Income and Expenditure Analysis 8 4) Personal Risk Management & Insurance 9 5) Retirement Planning 10 6) Investment Analysis 11 7) Inheritance Tax 11 8) Insurance Planning 12 9) Summary and Conclusion 12 References 15 Appendices 20 Table 1 – Statement of Income & taxation 20 Table 2 – Statement of Expenditures 21 Table 3 – Statement of Total Assets 21 Table 4 – Statement of Total Liabilities 22 1) Introduction Subsequent to our latest...
Preview
Kayte Clark (case)
Kayte Clark (case)
5 pages (1250 words)
Nobody downloaded yet
... Kayte Clarke Case A. What law applies federally, under, ERISA VII), the NLRB, and Torts apply in her case? B. As a judge, reach a conclusion regarding what law relates, and the elements she must prove, for a prima facie case in each area in question? C. What awards or damages should she be extended? I Federal Anti-Discrimination Laws Kayte Clarke can invoke any of the following federal laws against her employer: the Age Discrimination in Employment Act (ADEA) and the Americans with Disabilities Act (ADA). To successfully bring a case of discrimination against her employer under ADEA, there are certain things that Kayte Clarke must prove. In the case of Palasota v Haggar Clothing Co., 342 F.3d 569...
Preview
Social Security College Essay
Social Security College Essay
18 pages (4500 words)
Nobody downloaded yet
... Meyers Order #121313 April 21, 2006 Social Security Throughout the world, there is the idea that governments should provide economic security to the people under their jurisdiction. When Pilgrims came to America, they brought with them the tradition of the "Poor Laws" of England. Public assistance was poorly organized, poorly funded and its' recipients stigmatized. In Colonial America, "Relief was made as unpleasant as possible in order to "discourage" dependency. Those receiving relief could lose their personal property, the right to vote, the right to move, and in some cases were required to wear a large "P" on their clothing to announce their status" (DeWitt, sect. Economic Security in America,...
Preview
The financial statements of XYZ Corporation
The financial statements of XYZ Corporation
9 pages (2250 words)
Nobody downloaded yet
... financial statements of XYZ Corporation REQUIREMENT 1 The defined contribution plan is a type of pension plan whereby the employer and the employee both contribute to the fund in a defined manner. Basically, employers are the one who establish the plan and are responsible to make their contributions (Retirement Plan Basics, n.d. retrieved 08.09.06). The contribution on the part of employers happens to be a defined amount and may differ with the salary of the employees. The employees’ contribution to the plan comprises fixed deductions from their salary (Building Your Retirement Funds, 2006). The contribution that can be deductible by the employer must not exceed 25% of employee’s total compensation (...
Preview
Social Security
Social Security
8 pages (2000 words)
Nobody downloaded yet
... Social Security The social security program has been the most popular social insurance scheme in the United States of America. Many citizens in the US benefit from the program but only a few understand its operation methodology, or the comparison of the social insurance scheme with other retirement investments. A large portion of the American population have the notion that the Social Security system maintains a sort of saving account for each citizen of the country with a amount of money. On the contrary, the system does not connect the amount of money in taxes that people pay to the benefits that they will eventually receive on retirement. To add to this, the return rate on Social Security taxes...
Preview
The psychological realism in the 100 year old man who jumped out of the window and disappeared by jonas jonasson
The psychological realism in the 100 year old man who jumped out of the window and disappeared by jonas jonasson
6 pages (1500 words)
Nobody downloaded yet
... Lecturer The psychological realism in "the 100 year Old Man who Jumped out of the Window and Disappeared" by Jonas Jonasson Introduction The main issue in the book the 100 year old man who jumped out of the window and disappeared, by Jonas Jonasson, concerns a centenarian who climbs out of window and disappered, at the home of the elderly during his hundredth birthday, so as to have adventures. This story takes us through a very interesting journey of the life of this centenarian. The characters in this book are very interesting and also likeable; but later in the story the characters become more complex in their characters and behaviors. Allan Karlson, the main protagonists in this book, has the ab...
Preview
Employment Law
Employment Law
3 pages (750 words)
Nobody downloaded yet
... Employment Law Kayte Clark was a very diligent employee to the company. Despite her age she always had the enthusiasmand the energy to go about her duties at work. The circumstances which follow her decision to allow union representatives to come to the company offices raise various legal issues. Ms. Clark has been terminated for not accepting an offer made by her company; which by all means was not fulfilling all the benefits of retirement as required by law. The company board of directors as well as the CEO conspired to dismiss her from her work due to ‘her poor judgment’. For years the clothing industry had been trying to build a union for employees in the industry. Now that the company was going...
Preview
Speech outline on why you should start a savings account
Speech outline on why you should start a savings account
2 pages (500 words)
Nobody downloaded yet
... A speech Outline on Importance of a Savings Account INTRODUCTION Attention hook: How many of you have ever thought of opening a savings account? Thesis sentence: Saving money is a crucial aspect in the management of personal finances. I advise everybody to at least set aside some funds as savings for future occurrences. Focus: Savings should be a crucial element in the financial planning of a person. Preview of points A. assists in time of emergencies B contributing towards retirement C future development and investments Connect with audience: A savings account comprise accounts in financial institutions into which, customers deposit Focus: Savings should be a crucial element in the financial plann...
Preview
People who contribute to social security should have the right to choose how their money is invested
People who contribute to social security should have the right to choose how their money is invested
6 pages (1500 words)
Nobody downloaded yet
... Who Contribute to Social Security Should Have the Right to Choose How Their Money is Invested Living in these uncertain times, when money is tight and penny pinching is the order of the day, when the country faces a fiscal cliff, and our savings accounts and other investments are basically equivalent to worthless stock, it is important for people to take a step back and study their various remaining options when it comes to their retirements benefits. One of these benefits as promised by the government is a pension after reaching the mandatory retirement age. The government agency tasked for this specific purpose is the Social Security Administration. The system is currently in a status wherein it...
Preview
Planning Personal Finance
Planning Personal Finance
8 pages (2000 words)
Nobody downloaded yet
... Section/# Financial Planning: An Analysis and Discussion with Regards to Life Cycles It is without question that consumer demand place at powerful role with regards to defining the types of products or services that are represented to individuals in different demographics. As a function of this realization, the following analysis will seek to describe the various stages of the typical lifecycle of an individual in the United Kingdom today and identify the most relevant financial products that should be considered at each stage. Through such a level of inquiry, it is the hope of this author that the reader will gain a more informed and nuanced understanding with respect to the manner through which...
Preview
Principles of Human Resource Management
Principles of Human Resource Management
3 pages (750 words)
Nobody downloaded yet
... Number: Principles of Human Resource Management Performance appraisal is an important activity for organization as well as its employees. An excellent performance appraisal requires courage since one needs to look at the employees and be able to understand what motivates them. It should be enable organization to get as much as possible from the employees hence be able to know those who are able to do the job and those who are not. An excellent performance appraisal also requires trained supervision whereby the supervisors deal with the workers. It also requires focus on the whole year and giving the employee the benefit of doubt to the employees’ self assessment. This type of appraisal should also...
Preview
Personal Financial Planning
Personal Financial Planning
10 pages (2500 words) , Download 1
... Financial Planning Everyone has to plan for his better future life. 60 years old Jeff needs to invest his money in such a way that he may get a good return at the time of retirement. The data shows his average annual income of last five years i.e. about ?28000. He has now 5 years of job remaining. The best way to utilize his resources to save the money for his retirement is to invest the amount to get a good return. So that he may have enough money to complete his post-retirement plans. Jeff is also having full National Insurance contributions and has some savings. He has won the lottery ticket prize of ?800,000. Now he has to use the entire amount wisely because he has various plans to be...
Preview
Social Security Research Paper
Social Security Research Paper
3 pages (750 words)
Nobody downloaded yet
... The social security came into being when Franklin D. Roosevelt signed the social security Act on 14th Aug, 1935 (Max, 2005). The aim of the act was to come up with a system of social insurance. It was based on the idea that workers can collect a proportion of their pay to protect themselves and their relatives against disastrous loss of earnings that result from retirement, disability or decease. Workers make monthly contributions to this system and receive their benefits at due time. Individual saving accounts are not maintained by this system but a group of individuals who are supposed to retire at a particular a time are put together. However, there is been a debate on whether this social fund...
Preview
Finance and Accounting Essay: Personal Finance
Finance and Accounting Essay: Personal Finance
12 pages (3000 words)
Nobody downloaded yet
... Finance Table of Contents Current Situation 3 2.Objectives and Goals 9 3.Analysis and Problem Identification 9 4.Strategies and Recommendations 10 Overall Recommendations 13 Overall Improvements 13 1. Current Situation An integral part of knowing what an individual would like to attain is identifying his/her current position. This segment of the paper would detail the key facts upon which the strategies for the financial planning for Ms Joan Waterson are based. The Statement of Advice is based on the information that was obtained from Ms Joan Waterson about her. The identification of the current situation of Ms Waterson is crucial because that would determine whether the recommended strategies are...
Preview
The Illinois Supreme Courts Health Care Ruling
The Illinois Supreme Courts Health Care Ruling
2 pages (500 words)
Nobody downloaded yet
... Illinois Supreme Court’s Health Care Ruling On July 3, 2014, the Supreme Court of Illinois ruled that the government workers who retire should be given free healthcare. According to the court, free healthcare is among the pension benefits. The state government claims that the reform will help in improving the pension system in the state. The state was ranked among those with the worst pension systems in the US. As a result, the state government responded by implementing the reform. The government also claimed the new ruling will not only improve the pension system, but it will also improve the lives of state workers after their retirement (Plume 1). Many retirees, especially those with many dependan...
Preview
Age Discrimination
Age Discrimination
2 pages (500 words)
Nobody downloaded yet
... Discrimination Policy: An interview with HR manager Modern organizations heed voluntary concern to legal as well as ethical issues associated with Equal Employment Opportunity (EEO). Although age discrimination/ compulsory retirement have become a hot button issue in many of the developed countries, several organizations cherish non-discrimination to be their major feature. Given below is the report of an interview with the HR manager of a midsize inventory marketing firm, Lords’ Exporters International. Q. Could you please explain your organization’s stance on age discrimination? Our company in common follows the policy of maintaining diverse workforce in every area of its business operation. As ...
Preview
Formal Proposal on Pensions for Public Employees
Formal Proposal on Pensions for Public Employees
4 pages (1000 words)
Nobody downloaded yet
... Proposal on Pensions for Public Employees of the of the of the College CONTENTS EXECUTIVE SUMMARY 3 INTRODUCTION 4 ANALYSIS AND CHANGES IN THE CURRENT PENSION PLAN 5 CONCLUSION 6 References 8 Appendices 9 EXECUTIVE SUMMARY Pension is defined as a contract of employees that they would be paid some amount on a regular basis after they their retirement. This amount is important for people because it provides them financial support after they have completed their services. This report presents a proposal for pension for public employees. It is suggested in the proposal that the company should implement a pension plan with low administrative cost and high returns for the employees. The current problem is ...
Preview
Long-Term Investment Strategy
Long-Term Investment Strategy
4 pages (1000 words)
Nobody downloaded yet
... Long-Term Investment Strategy My overall goals to choose long-term investment strategy isto ensure that after I retire, I do not suffer and remain relevant as far as investment or business is concerned. My children’s future also needs to be cared for as they grow to become independent people in the society. Therefore, I would like to save close to $1 million for my children before I retire. I also need to invest in long-term strategy that will have me save and invest at the same time. Again, the savings have to be an equal amount of money that I get from my security fund every month. I really want that when I retire, I have enough money that can enable me to build a bigger and expensive residential...
Preview
Economics of Aging in Terms of How it Relates to Long-Term Care Facilities
Economics of Aging in Terms of How it Relates to Long-Term Care Facilities
5 pages (1250 words)
Nobody downloaded yet
... aging is an exercise that entails thorough research on the health and economic conditions of citizens in a particular territory, as well as the implications to the older people in the long term. Economics of aging lays focus on the demographic trends of the population and the implications of population trend changes on the economy of the area under consideration. From the available information worldwide, it is well documented that the steady low fertility rate will have unavoidable results in the economy in terms of the age difference and so will be the generational gap. As a way of example, China’s one-child policy indicates that twenty years from now, the nation’s aging curve will be steep, meaning...
Preview
Field Report
Field Report
4 pages (1000 words) , Download 1
... Field Experience Narrative Report Late adulthood is a frequently seen aspect in several nations. Most of the old aged people are willing to lead their life independently. In such situation, there lays a need for delivering better healthcare to those people by the nursing professionals in order to develop their health and assist them leading their life happily. With this concern, this paper intends to provide a detailed description about the field experience relating to explore and focus on the humanistic aspect of nursing. Field Experience Narrative Report Late adulthood is a life stage which is estimated to occur after 65 years (Royal Challenge of Nursing, 2004). It can be apparently observed with...
Preview
Age Discrimination
Age Discrimination
4 pages (1000 words) , Download 1
... Discrimination Age discrimination is discrimination based on the age related factors. It has been a problem for the whole world from the centuries. It can be direct or indirect. There are many laws and regulations have been established to prevent the age discrimination but there is still need a lot to be done to overcome this problem. According to a survey conducting for the University of Kent, England, 29% of respondents said that they had suffered from age discrimination - the percentage is higher than for race or gender discrimination. Prevailing System The prevailing system of compulsory early retirement is not fulfilling the needs of the era; the system is biased towards ages of the older work...
Preview
Aging Population and Its Effects on Job Market, Healthcare
Aging Population and Its Effects on Job Market, Healthcare
6 pages (1500 words)
Nobody downloaded yet
... Population and Its Effects on Job Market, Healthcare, and Social Security Introduction The aging process should be viewed through a positive lens. However, it brings with it problems at familial, communal and national level. The ability of various nations to provide for the older citizens has been in question for a long time. The trend of increasing old age groups implies there are changes in personal needs that must be embraced. The older people, as opposed to the younger members of the society, require far much attention regarding welfare. Many countries have policies and programs in place to sustain the increasing number of aging populations. Such policies include the provision of proper health c...
Preview
Personal Financial Planning
Personal Financial Planning
12 pages (3000 words)
Nobody downloaded yet
... FINANCIAL PLANNING David and Ruth prefer low risk and an assured and stable income from their personal investment portfolio. Hence, this important investment preference must be considered in the process of determining the best possible investment and retirement portfolio for the couple. a) The total wealth portfolio of the couple is as follows: David has 80,000 held in a building society 30 day notice account. Given an 8% annual return, he gets to earn 6,400 annually from this investment. He has 760,000 invested in equity unit trusts which earns annually. Ruth receives index-linked occupational pension of 16,000 per year. She has 50,000 in ISAs which earns 7,000 yearly. They own a house with a ne...
Preview
Type Of Tax-Book Difference
Type Of Tax-Book Difference
9 pages (2250 words)
Nobody downloaded yet
... The defined contribution plan is a type of pension plan whereby the employer and the employee both contribute to the fund in a defined manner. Basically, employers are the one who establish the plan and are responsible to make their contributions (Retirement Plan Basics, n.d. retrieved 08.09.06). The contribution on the part of employers happens to be a defined amount and may differ with the salary of the employees. The employees' contribution to the plan comprises fixed deductions from their salary (Building Your Retirement Funds, 2006). The contribution that can be deductible by the employer must not exceed 25% of employee's total compensation (Green, n.d., retrieved 07.09.06). The employer recei...
Preview
Race and ethnicity & gender and Age
Race and ethnicity & gender and Age
2 pages (500 words)
Nobody downloaded yet
... AND ETHNI & GENDER AND AGE Chapter 9 The historic slavery and successive socio-economic and political discrimination towards the Black Americans is still haunting the country to date. Although there are several minority groups, the Black America are used as the epicenter of the problem. Despite significant increase in government efforts towards elimination of the hatred between the Black America minorities against the White, the spirit of discrimination is deep rooted and has been with successive generations. Critical analysis of past literature on the demographic structure of the United States and the governments affirmative action policies indicates that Black American have progressively got...
Preview
International Financial Reporting
International Financial Reporting
13 pages (3250 words)
Nobody downloaded yet
... International Accounting Standards (IAS) provides objective and detailed of accounting standards while developing financial statements. The aim is provide standardised, coherent, consistent, and useful information to various users of the financial information. To date, a total of 41 IAS have been released; however, 10 have been superseded by other IAS or IFRS (International Financial Reporting Standards); and 2 have been withdrawn by International Accounting Standards Board - IASB (IAS Plus, 2009). This paper provides a broad introductory review of the five standards from IAS; namely: IAS 16 - Property, Plant and Equipment IAS 17 - Leases IAS 23 - Borrowing Costs IAS 26 - Accounting and Reporting by ...
Preview
Employee Benefits
Employee Benefits
2 pages (500 words)
Nobody downloaded yet
... Benefits Employee Benefits Employees are en d to some benefits that should be offered all along their working periods. Additionally, upon retirement, employees also enjoy some retirement benefits as granted by the employment act. The employee benefit plans are established to provide health benefits, vacation benefits, disability benefits, training benefits, retirement benefits as well as death benefits among other similar benefits. These plans are voluntarily made and maintained by the employer and employee organizations. Every employee has the right of access to the employee act which analyses all benefits that should be offered to an employee during or after his/her working period. An employee has ...
Preview
Final Examination Employment Law
Final Examination Employment Law
5 pages (1250 words)
Nobody downloaded yet
... Examination Employment Law INTRODUCTION OR CASE OVERVIEW The case is about Kayte Clark who was a victim of discrimination in a particular workplace. She was a Vice President of the company “Danskin Inc.”. Observably, Ms. Clark is legally blind owing to her eye disease, which was identified when she was thirty. She had been kept away from the designation of Senior Vice-President owing to her increasing age and the aspect of disability. The company believes that with all these restrictions, she will not be able to tackle the challenges that are associated with the aforesaid particular designation. In recent times, the business had determined to go “public” and became qualified for selling stocks and...
Preview
Prejudice & Discrimination
Prejudice & Discrimination
5 pages (1250 words) , Download 1
... Prejudice is an absurd suspicion or dislike of a specific group, race and religion for personal reasons. Discrimination on the other hand is a behavioral act of passing unfair judgment to a person because of their race sex and age. Ageism can be defined as an attitude, action or human structure which makes a person or group feel less important due to their age or any assignment roles in the society strictly on the basis of age (Traxler 1980 pg.4). An aspect of ageism is prejudice against elderly people. Ageism indicates that as soon as a person can be described as old they are automatically separated into the following categories: They are a burden on the society. The perception of slow, deaf and m...
Preview
Benefit Compensation Essays
Benefit Compensation Essays
5 pages (1250 words)
Nobody downloaded yet
... Compensation Essay Discretionary benefits. Discretionary benefits are not mandatory. They are given to individuals in special circumstances on a discretionary basis.  Discretionary benefits are usually arranged by different of public and faith-based companies. This is a voluntary help and it represents a response to person’s needs and not all the people in need receive this assistance, some requests may be denied. There are three types of discretionary benefits: - help provided by social organizations; - charity; - help provided by faith-based organizations. Discretionary benefits are very helpful, because they give assistance to people who really need it. On the other hand, those who receive this he...
Preview
Summary of Choosen Article (3-5 paragrphs)
Summary of Choosen Article (3-5 paragrphs)
2 pages (500 words)
Nobody downloaded yet
... of Rotavirus Gastroenteritis among Elderly Adults Background This research paper is an analysis of the article s from the field: outbreaks of rotavirus gastroenteritis among elderly adults in two retirement communities --- Illinois, 2011. Rotavirus is enteric virus that is double stranded and is known to cause severe dehydration especially in children. The article is based on cases of rotavirus infection reported in Illinois. As the article by CDC acknowledges, the epidemiology of rotavirus especially in adults is poorly understood. The article mentions recently reported cases of rotavirus, which include three residents in a retirement community in Illinois in February 2011, and another case in a...
Preview
(whatever you want)
(whatever you want)
2 pages (500 words)
Nobody downloaded yet
... My Retirement When I retire from work in about 40 years, the world will be a completely different place from what it is now. I am wondering if I will even want to quit working just because the working environment might have changed a lot. By then, we might be working mostly from home in an environment of our own choice and interacting with our ‘office-mates’ through digital video and audio transmission. I might choose to cut down my working hours and work more often from exotic locations, but life might be a lot different and more relaxing. The demographic situation I envision for myself at retirement age is much different from the situation my parents face. Because life will be less stressful...
Preview
Age Discrimination
Age Discrimination
15 pages (3750 words)
Nobody downloaded yet
... HEAD: Age Discrimination Age Discrimination BY YOU YOUR ACADEMIC ORGANIZATION HERE HERE HERE OUTLINE Introduction …………………………………………………………………… 4 Corporate Rationale for Discrimination and the Law…………………………. 4 Who is Affected?................................................................................................ 7 Compulsory Retirement – A Case Study………………………………………. 9 Preventing Age Discrimination at Work……………………………………….. 10 Conclusion……………………………………………………………………… 14 REFERENCES APPENDIX Abstract In contemporary society, there is a significant push to provide workplaces which are diverse, including various demographics, lifestyles and work-related skills and knowledge-bases. However, despite this ...
Preview
Financial Planning Coursework
Financial Planning Coursework
41 pages (10250 words) , Download 1
... The Financial Planning Process The introductory chapter helped me understand the following: How to find a starting point of a financial planning process. An overview of the procedure to be adopted to move from where I am to where I intend to be in the future Understand my own spending pattern Understand how various factors influence my personal financial plan Various elements of a comprehensive financial plan Making effective decisions considering opportunity costs and marginal effects Understanding necessity of a qualified financial planning professional This chapter is a foundation of remaining chapters. The chapter sets out five steps essential for planning and the rest of the chapters explain ...
Preview
Life Stages and Financial Products
Life Stages and Financial Products
10 pages (2500 words)
Nobody downloaded yet
... Stages and Financial Products Introduction Life expectancy in the UK is relatively high. Consequently, millions of Britons will live on into their seventies and eighties. Unless a person plans wisely throughout their productive years, it is likely that they may struggle to make ends meet in retirement. Furthermore, poor financial management has adverse implications on quality of life lived during one’s working years. The ideal goal for all individuals is to be financially secure at every stage of life regardless of the ups and downs that occur. This ought to start with an understanding of the different life stages and customisation of financial instruments and products for each stage. Lifecycle of a...
Preview
Practicing financial planning (easy)
Practicing financial planning (easy)
3 pages (750 words)
Nobody downloaded yet
... Practicing Financial Planning Part (a) At the moment both of you are 35, in the next five years you will be 40, are there any specific targets in terms of income or assets, which you wish to accomplish before that point in time? You all have your retirement age set at 65, normally people wish to retire after attaining some level of income, what are your projections on the matter of joint income at the age of retirement? I notice that your life expectancy is two years apart with the highest at 79, I wish to know if you have any lifestyle diseases such as diabetes or any health conditions that require long-term attention. I deduce that your joint income is 140,000 dollars, do you have any other sources...
Preview
2 Papers for Political Science
2 Papers for Political Science
6 pages (1500 words)
Nobody downloaded yet
... Removal of the Phrase “In God We Trust” The phrase “In God We Trust” is as familiar to any American as the American flag or the statue of Liberty. This now household phrase which is printed on our currency, is facing possible removal from said currency. The reason for removing this phrase from the dollar bill is attributed to the Constitutional declaration of separation of church and state. Many feel that Congress has overstepped its bounds by permitting the use of the phrase on U.S. currency and have therefore, demanded its removal. This tug of war actually dates back to the time of 1864, when it was suggested that the currency of the United States, should in some way acknowledge ‘divine...
Preview
Compensation Plan
Compensation Plan
6 pages (1500 words)
Nobody downloaded yet
... As per the ments which have been declared in Unilever Group’s Annual Report and Accounts (2003), the comprehensiveness of compensation plans which are practiced by the organization comprise of an effective and well-rounded ‘equity based compensation system’. The presence of this plan possesses the advantage that it allows company employees the ability to exercise their control over the provision of ordinary shareholdings (Unilever Group Annual Report and Accounts, 2003). Moreover, these plans have been further classified under six categories to suit the specific requirements of each and every employee of Unilever. For example, the ‘All-Employee Option Plans’ which are currently being regulated in...
Preview
Employee Compensation and Benefits
Employee Compensation and Benefits
5 pages (1250 words) , Download 2
... and Benefit Package Lecturer The IT Solution Company is a new company that aims at bringing IT related services and goods closer to potential customers. As such, having an effective HR department is one of the most significant ways in ensuring the company remains competitive in the market. To ensure effective workflow, a position of secretary is essential. As such, it is significant to have a documented package and justification for the compensation package. Compensation and Benefit package Compensation and Benefit Packages $000 Social Security 1,013 Medicare ...
Preview
Employment law
Employment law
3 pages (750 words) , Download 1
... Head: EMPLOYMENT LAW EMPLOYMENT LAW A) What is Age Discrimination? Age discrimination can be experienced by all people of all ages but mainly between the older and the younger people mostly if the legal action is implicated for the older workers suffering discrimination. (Sargeant & Lewis, 2004, 87) Ageism encompasses a combination of institutional practices, individual attitudes and relationships Ageism and age discrimination are different from each other, as ageism is application of assumed age –based group distinctiveness to an person, regardless of individual‘s actual personal character. However age discrimination refers to the rough ‘age proxies’ in personal decisions in regards to selecting,...
Preview
Investment Plan
Investment Plan
3 pages (750 words)
Nobody downloaded yet
... Investment Plan As a recent graduate from Michigan I realize that the education I received will be very instrumental as I begin to decide on the best possible fiscal plan that will ensure I reap maximum benefits from the $ 2,500 nest egg that I accumulated through gifts and my own personal savings. One of the most important financial lessons that I have learnt during my college years is the prudence and importance of building a retirement fund as early as possible because the more years you save, the higher the likelihood of increasing your wealth. In fact, the best time to start saving for your retirement is during your early twenties. My investment goal is to save for retirement which I anticipate ...
Preview
Improving Personal Performance
Improving Personal Performance
22 pages (5500 words)
Nobody downloaded yet
... Personal Performance Introduction Personal performance plays an important role in the future development and advancements in attaining life goals and objectives. Success depends on the overall performance of the individual, in regard to self and with others at various places. The single most important goal in any performance is to maintain the focus centered on what connects the individual with its performance and enables and enhances his or her performance. Orlick (2007:27) mentions that focusing and refocusing are the essential components for learning, performing and achieving excellence. It is further stated that performance, whether good or bad, is grounded in the individuals focus and focus...
Preview
Changes in Family and Personal Finances in the Last Generations
Changes in Family and Personal Finances in the Last Generations
4 pages (1000 words)
Nobody downloaded yet
... Changes in Family and Personal Finances in the Last Generations Introduction Financial and economic environments and trends show that there have been changes in family and personal finances in the last generations. Family and personal finances of people of generation X were different from the family and personal finances of people of generation Y. People of generation X lived through a period of social and economic turmoil. Social factors such as racism and gender discrimination in the workplace affected their financial status because of low productivity levels. Political factors such as the Cold War and political tensions globally also affected their productivity and participation in economic...
Preview
Managing Human Resources (Reflecting on the issue raised by the Sales Manager)
Managing Human Resources (Reflecting on the issue raised by the Sales Manager)
6 pages (1500 words)
Nobody downloaded yet
... 3 - Ideas to Share with the Sales Manager Reflecting on the issue raised by the Sales Manager, I have to put together pieces of reports which I heard about the Sales Department. An article which appeared in the paper of "Paint & Coatings Industry state that, "According to experience, some important actions can positively affect the sales performance of the network of an agent. The important factors range from the development and communication of company's objectives to some perks for the agents to achieve company profits and sales targets" (Spiegel 2006). Spiegel claims that, "Sales agents are attracted and stay longer in the organization by giving them fair commission rates that are promptly paid. T...
Preview
Conduct a Search for Potential Research Sources
Conduct a Search for Potential Research Sources
5 pages (1250 words)
Nobody downloaded yet
... Evaluation The of retirement preferences and nursing plans of ‘baby boomers’ (the sandwiched generation who are aged between 45-55)is one that needs careful consideration and thought. Many researchers have attempted to address this issue in both qualitative and quantitative manners. In this study, the attempt is to evaluate three such researches to and to identify the scope for improvement (if any). The papers that are taken into consideration are Baby Boomers in the Middle: Analysis of Social Supports Among African-American Caregivers (Gadling-Cole, 2010), Baby Boomers' Needs and Preferences for Retirement Housing: A Phenomenological Qualitative Study (Elridge, 2010) and Cultural Competency in...
Preview
Should business take care of its superannuated employees
Should business take care of its superannuated employees
5 pages (1250 words)
Nobody downloaded yet
... Business Take Care Of Its Superannuated Employees? Superannuation refers to the plans that the employees makes with the business to make fundsavailable for them in retirement. Superannuated employee considers the fund as the prominent source of income for the future once they attain the retirement age. Any mismanagement of the fund amounts to tampering with the future welfare of the members. In Switzerland, the scheme is supported by the government. The federal government sets the guidelines directing on the remittance of the minimum contributions that are compulsory for all employees. For instance, the government requires employers to contribute a certain proportion of the employee’s wages or...
Preview
151 - 200 results of 500 items
Let us find you essays on topic Retirement for FREE!
Contact us:
+16312120006
Contact Us Now
FREE Mobile Apps:
  • About StudentShare
  • Testimonials
  • FAQ
  • Blog
  • Free Essays
  • New Essays
  • Essays
  • The Newest Essay Topics
  • Index samples by all dates
Join us:
Contact Us