Contact Us
Sign In / Sign Up for FREE
Go to advanced search...

Journal opinion article - Essay Example

Comments (0) Cite this document
Name: Lecturer: Course: Date: Journal Opinion Article The slow economic growth from economic crisis have rendered many consumers with little supple spending. This is because many of them are convinced that little spending would be the best in case one wants to save money for future benefits even though annuities are exceedingly becoming difficult…
Download full paperFile format: .doc, available for editing
GRAB THE BEST PAPER93.6% of users find it useful
Journal opinion article
Read TextPreview

Extract of sample "Journal opinion article"

Download file to see previous pages The article of Scism and Tergesen Getting Smart about Annuities attempts to address the economic issue in the U.S economy. The authors attempt to reveal the changes in the stock market because of the shift from defined benefits to pension plans contribution in the U.S economy. Annuity markets have started expanding but the slow economic growth in the global market has become a major problem. Annuity refers to the payment made for life insurance or it is simply referred as the U.S financial products; thus the article attempts to address the way consumers can become elegant about annuities. Annuity issue has become among the most aspects for the recent decades because of the need to improve the quality of life (Scism and Tergesen para. 1). Although financial advisers have not been popular with annuities, it has become one of the hot products in the U.S market. The products do not offer the potential for outsized gains but there is a guarantee for some benefits (Scism and Tergesen para. 3). Consumers need to be smart when dealing with these products because there are some associated risks that may arise including investment losses but it appears that annuities have irrefutable appeal. At first, annuity offers a way for restoring some financial security for golden years but there is no clear evidence that retirees with standard paychecks will be happier than those relying on exclusively social security supplement. It appears that annuities will not offer contentment to consumers; hence one needs to be smarter before making a decision about life annuity. Moreover, annuities in the contemporary global financial markets have an undeniable appeal for those grappling with investment losses (Scism and Tergesen para. 4). The problem with this is because investors may have a common idea about the importance of annuity but a few of them may recognize the strategies available for making these financial products a part of their assets. Therefore, it is crucial for one to figure out the total amount of products one needs to purchase maybe whether he or she wants to put money to work immediately or slowly and what to invest with the remaining balance. Scism and Tergesen offer significant and best ways that one should do in order to achieve success or avoid any financial losses (Scism and Tergesen para. 3). One of them is the immediate gratification because immediate annuity can enable one to convert payment for a month, quarterly or yearly income for life. Although most immediate annuities are fixed, immediate annuities can offer considerable higher sustainable revenue than the ones being generated from the venture portfolio. For example, an older a man who purchases an immediate annuity is likely to receive about 8.4 percent of the total amount which he instead (Scism and Tergesen para. 5). This is significant because the payment has interest rates and they are guaranteed to continue increasing for the rest of one’s life. Another way is longevity rider and this is one way of preserving more for purchasing a differed-income annuity (Scism and Tergesen para. 7). This generates an income for life and one may benefit; however, the economists have attempted to argue as to whether it is significant for one to purchase for a longevity rider or conventional immediate annuity. This is in case the financial benefits outweigh the annuity pool; thus one may likely to undergo losses. However, ...Download file to see next pagesRead More
Cite this document
  • APA
  • MLA
(“Journal opinion article Essay Example | Topics and Well Written Essays - 750 words”, n.d.)
Journal opinion article Essay Example | Topics and Well Written Essays - 750 words. Retrieved from
(Journal Opinion Article Essay Example | Topics and Well Written Essays - 750 Words)
Journal Opinion Article Essay Example | Topics and Well Written Essays - 750 Words.
“Journal Opinion Article Essay Example | Topics and Well Written Essays - 750 Words”, n.d.
  • Cited: 0 times
Comments (0)
Click to create a comment or rate a document

CHECK THESE SAMPLES OF Journal opinion article

Should Freedom of Opinion or Speech Ever Be Restricted

Freedom of speech is, of course, part of the First Amendment to the Constitution, and as such is a part of the American national identity. However, even in the early years, the 1798 Sedition Act restricted this freedom; during the two World Wars people were also imprisoned: the famous “Clear and Present Danger” case, for example, involved someone imprisoned for advocating opposition to the draft (Through legal means), a sentence which the Supreme Court upheld.

Current fears about dissident opinions have meant that individual freedoms have been placed second to the safety of the population as a whole: however, many people have expressed fears that it has also meant an end to freedom of speech for those oppose...
6 Pages(1500 words)Term Paper

Critique of Research Article Moral Problems Among Dutch Nurses: A Survey by Arie JG van der Arend

...Critique of Research Methods and Statistics in the Research Article: ‘Moral Problems Among Dutch Nurses: A Survey’ by Arie JG van der Arend and Corine HM Remmers-van den Hurk. Published in Nursing Ethics 1999 6 (6) Arnold This essay will critically examine the survey and report, in order to determine whether the research methods, hypotheses and findings were appropriately utilized and if they made a valid contribution to nursing research in the fields of ethics and moral problems. Each section of the article will be looked at in the order in which it was presented, using a critical appraisal checklist to assist the process of analysis. Introduction: The opening statement clearly outlines what the survey was about, and summarised...
12 Pages(3000 words)Term Paper

Critique of Technological Innovations, Activity Based Costing and Satisfaction Article by Davood Askarany

Many of the innovations have been introduced as early as 1980, such as “activity-based costing (ABC); activity management (AM) and activity-based management (ABM); local information system (LS); balanced scorecard (BS); life cycle costing (LCC) and target costing (TC) [and] strategic management accounting (SMA).” (Askarany, Smith and Yazdifar 54). However, few of these have been implemented and utilized to their full potential. The authors propose to find a reason for this.

ABC focuses on costs associated with activities, but also evaluates whether those activities add value, thus providing a means of understanding how to most effectively reduce costs. In addition to cost reduction benefits, applying ABC giv...
7 Pages(1750 words)Term Paper

Analysis of All Changes Great or Small Exploring Approaches to Change and Its Leadership Article by Higgs and Rowland

The change referred to in this context includes a broad array of topics. From an individual perspective, the change may be a new behavior. From a business perspective, the change may be a new business process and/or new technology. From a societal perspective, the change may be a new public policy or the passing of new legislation. Successful change, however, requires more than a new process, technology or public policy. Successful change may require the engagement and participation of the people involved. Change management provides a framework for managing the people side of these changes. The most recent research points to a combination of organizational change management tools and individual change management models for effecti...
13 Pages(3250 words)Article

Analysis of a Management Practitioner Article Using Relevant Organisational Behaviour Theory

The culture of an organization is its integral part and the behaviors and attitudes of its people are responsible for the organization’s success or failure. The ingredients of change are coordination, commitment, and competencies. Coordination is the key to improving the organization. Commitment is the key to concerted effort to achieve the vision that magnifies the desired improvement. Competencies are the skills that are required to bring about the change.

While there are many well defined and understood theories of strategic management there are few for cultural and management practices. The managers often fall back on these theories to emulate them in practice.

According to Nelson and Winter (1982)...
11 Pages(2750 words)Term Paper

Article Analysis of 11 Ways to Critique an Article by Mike Metcalfe

The systems for thinking perspective and T.O.P perspective styles have been chosen as this article needs to have an explicitly straight conclusion. Moreover, the ethical issues concerning the organization have also not been given adequate treatment in the article which makes it a one-sided communication on the part of the author. Also, certain other critical issues concerning the article involve lack of adequate clarification on the part of the author regarding various key issues such as what would be the resultant consequences in case of failure on the part of the employee / prospective employee to adhere to the rules and regulations governing the protection of privacy of the organizational data. Are there any legal obligations i...
11 Pages(2750 words)Assignment

Analysis of Negative Equity Spells End of US Love of Homeownership Article by Dominic Rushe

...1. Article Summary The article by Dominic Rushe d ‘Negative equity spells end of US love of home ownership’ appeared on the internet on Friday the 22nd of April, 2011. The article can be accessed at us-housing-market-still-in-doldrums. The article states about the situation of the housing market in the US; “it is still on the slide for five years and there is no sign of an imminent recovery.” Home possession degrees are now back to those levels as was seen in 1998. Some economists are even anxious that the USs may have lessened their love of property ownership. It looks that boom years had never occurred. Paul Dales, US economist at Capital Economics says that "You would have to go back to the Great Depression to find anything similar...
6 Pages(1500 words)Term Paper

Analysis of Article about Global Warming

...Sur Lecturer Global warming Global warming is the increase in the level of the average temperature of the atmosphere of the Earth andoceans and its anticipated continuation since the late 19th century. Warming of the system of the climate has been unequivocal, and many scientists are more than 90% sure that it is majorly caused by rising concentrations of greenhouse gases that are produced by activities of human beings like deforestation and burning of fossil fuels. Many journal articles have been authored by various authors on global warming, and this paper seeks to note a narrative essay concerning one journal article: Martin, Susan. Climate Change, Migration and Governance: Global Governance 16 (2010), 397–414. This is a primary source...
6 Pages(1500 words)Essay

Writing a Journal - Surmounting Barriers in Life

... journals and sport journals. These are published periodically-weekly or monthly. There also are political journals. These present in depth analyses of political situations at a given point in time. They could be reviews about a presidential tenure, an election period and political rivalry among others. They are often written by political analysts or journalists. Writing these journals may require professional training. This is because as far as personal opinion is paramount, objectivity remains the bottom line. There is need to minimize bias. A personal journal, however, is distinct. It is a recount of one’s day to day experiences. This is one of the major fundamental roles of a journal. It requires no level of professionalism or formal...
6 Pages(1500 words)Essay

Features of Journal Assignment

...Journal Online Communication Summary Online communication means the exchange of messages through the use of computers. Online communication started in the 1960s but it could not be employed in the educational realm until the 1980s (Warschauer). The use of online communication in the teaching and research on language is based on two distinct periods; the mid-1980s when computer-mediated communication was introduced in education and the mid-1990s when the World Wide Web was introduced. In the mid-1980s, educators started using long-distance exchanges and synchronous software programs for computer-assisted conversation. The mid-1990s was particularly remarkable for it also allowed students to search the reading material online in addition...
6 Pages(1500 words)Essay
sponsored ads
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.

Let us find you another Essay on topic Journal opinion article for FREE!

Contact Us