...Prof. Brenda Refaie 11/14/1014 Driving Age, Pros and Cons Scholastic Choices magazine asked their readers about their opinion in young driving, 65% of the readers who replied said that driving age should stay at 16. They said that teenagers who drive at a young age, have more experience and they will have more hours to drive and to improve their driving. Also they help out there parents with grocery shopping and picking up younger siblings. Even with these advantages of young driving, there is high rates of deaths and injuries among teenagers, and that teenage and young drivers are overly represented in fatal crashes.Government should pass a law that prevents these high rates of deaths by increasing the driving...
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...Reasons to save early: 1. More Time to Save: The simple fact is that if one starts saving early, he/she will likely be able to save more. There's no secret tip or strategy as to why: he/she just have more time to put money away. For example if a person starts saving at the age of 30, he/she will have 35 years to save before retirement at age of 65. So with small amount of 1000 saving every year he/she will have a lot of time to save at age of 65 he will save 35000 which will grow over the years, but if the person starts saving at the age of 45 he will have only 20 years to save. At the age of 65 he will save only 20000. Which is quite a small amount compared to previous one. So his savings will be less. 2. More time to grow: Essentially, compound interest is the interest earned on interest. By continuously reinvesting your earnings, you are exponentially increasing your return on investment. Investors understand the benefits of investing early and taking advantage of the potential gains from compound interest. In the above case the person who saves early his money will grow with 10% rate and at the age of 65 his money will amount to 271024.but for the person who starts late his total savings after growing will amount to 57275. 3. Small Investments: To meet a goal in future if one starts early he/she will have to invest small amount every year to meet that goal. This will be easier for the person. But if he starts late he/she will have to invest large amount...
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...how their roles can affect the project outcome. Analysis will also include how the project is managed by the project manager and their efficiency and effectiveness. Finally, the outcome of the project is analysed whether they lead to a success or failure of the project (Morris 1990, p.198). 'Close the gap' Aboriginal program is a project that aim to provide more advantages for Indigenous with respect to their life expectancy, child mortality, access to early childhood education, educational achievement and employment outcomes. This program was induced by the Australian Government in 2008 and was targeted to focus on health, housing, early childhood, education, economic participation, and remote service delivery (Department of Health, Primary Health Care 2008). Aboriginal sexual health program is one of the current ‘Close the gap’ projects. The purpose of the Aboriginal sexual health is to enhance the sexual and reproductive health, wellbeing and safety of young Aboriginal South Australian. Investing in Aboriginal youth program is included in the project and aims to improve the sexual health literacy of Aboriginal young people to understand positive and respectful relationships. It includes health, education and community workers and Aboriginal teenagers within rural, remote and metropolitan Aboriginal communities. The targets of the...
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...The Fourth Demography Forum 6 and 7 May 2013 (Brussels) Employment, Social Affairs & Inclusion The Fourth Demography Forum Table of Contents Introduction ...................................................................................................... 3 Opportunities for young adults ............................................................................ 4 Improving the work-life balance .......................................................................... 5 Enabling people to be active longer ...................................................................... 6 Successful inclusion of second-generation migrants ............................................... 7 Regions in rapid demographic and economic decline and inequalities within regions ... 8 Investing in Europe's demographic future - how the SIP will support the drive towards extending Europe's demographic dividend ............................................................ 9 Conclusions .....................................................................................................10 May 2013 2 Employment, Social Affairs & Inclusion The Fourth Demography Forum Some 320 participants attended the Forum opened by Commissioner Andor. This report was drafted by the Forum organisers on the basis of the delivered speeches. Any possible errors or omissions are to be imputed to the Forum organisers Introduction In his welcoming speech, Commissioner Andor underlined our duty to...
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...Age >20K | In % | In Million | Youth | 0.05 | 4 | Young | 0.19 | 15.2 | Middle | 0.25 | 20 | Senior | 0.36 | 28.8 | Elderly | 0.15 | 12 | Situational Analysis: Consumer Market | | In million | Total Households | 100 | Present Market Sales | 15 | Projected Mkt Sales Over 10 Years with Mrktng Activities | 40 | | | Market % Growth over year | 11.5 | Age | Youth | 15-24 | Young | 25-34 | Middle | 35-44 | Senior | 45-64 | Elderly | 65+ | Potential Segments | Age | Income | Household | >10 | >20K | Households With Children | <35 | | | | | | In Million | Total Households | 100 | Percentage of Households > 20K | 80 | Percentage of Households <20K | 20 | Households Types | Non family | Family With Children | Family Without Children | Age Group | In % | In Millions | Age Group | In % | In Millions | Age Group | In % | In Millions | Youth | 0.04 | 1.14 | Youth | 0.06 | 1.14 | Youth | 0.06 | 1.71 | Young | 0.14 | 3.4 | Young | 0.29 | 7.2 | Young | 0.18 | 4.4 | Middle | 0.15 | 3.7 | Middle | 0.43 | 10.6 | Middle | 0.23 | 5.6 | Senior | 0.29 | 10 | Senior | 0.22 | 7.6 | Senior | 0.32 | 11.1 | Elderly | 0.38 | 7.7 | Elderly | 0 | 0 | Elderly | 0.21 | 4.2 | Segment Vs Purchase Profile by Household type | | Youth | Sports | Standard | Youth | 0.2 | 0.18 | 0.07 | Young | 0.27 | 0.56 | 0.53 | Middle Age | 0.51 | 0.15 | 0.3 | Senior | 0.02 | 0.11 | 0.1 | Characteristics...
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...over the years. Samsung should reduce its expenses every year to keep being profitable. Samsung need to supply it components to less competitors. B. Demographic Environment Samsung Electronic has increased its employees because of the new production plants in China. Samsung need to look into reducing its manufacturing cost because the economy is not getting any better. China is known for cheaper labor. Samsung need to find a way to decrease employees in the manufacture or machinery cost. C. Social and Cultural Environment Samsung Electronic is well known worldwide. Samsung products are made for all ages to use. Samsung need to make sure that its products are attractive to all generations. Many of the older generation are happy with the older products. Older generation find the newer phones hard to use. Samsung need to make its newer product more user friendly for all ages. D. Political and Legal Environment Samsung need to work with big competitors to help them go through fewer layers of bureaucracy, taxes and the exchange rates. Samsung need to make sure its Patents are registered. Apple suing Samsung is causing the company to lose money because of not patenting its product. E. Technological Environment Samsung need to look into cheaper alternatives and other products that can help develop the mobile phone and reduce its product line. Technology and Products are changing every year. People are looking for better. F. Global Environment Samsung has 34 research centers...
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...In today's modern world, computers are an essential part of everyday life. Around the globe, children often use computers from a very young age. Although it is important for children to participate in various well-balanced activities, in my opinion, children who use the computer daily are actually developing a critical skill for future success. The bases for my views are personal, academic, and professional. From a personal point of view, computers are an invaluable resource to help young people explore the world around them. For example, children who use Internet to satisfy their curiosity about diverse topics are already becoming independent learners. No child with a computer is ever bored! By starting early in their lives, children feel totally at ease around computers; they are also able to take advantage of the wide range of services computers provide. From an academic viewpoint, children have no choice but to master this technological invention. For instance, when I was in university, students brought their laptops to class to take notes, do research and exchange information. They wrote assignments, created presentations and developed databases. Children who build early confidence and experience in these abilities are at a distinct advantage over those who have not. From a professional perspective, the computer has found a permanent place in the workplace. Today, employers still pay to provide computer training to their employees. Tomorrow, corporations will expect prospective...
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...In today's modern world, computers are an essential part of everyday life. Around the globe, children often use computers from a very young age. Although it is important for children to participate in various well-balanced activities, in my opinion, children who use the computer daily are actually developing a critical skill for future success. The bases for my views are personal, academic, and professional. From a personal point of view, computers are an invaluable resource to help young people explore the world around them. For example, children who use Internet to satisfy their curiosity about diverse topics are already becoming independent learners. No child with a computer is ever bored! By starting early in their lives, children feel totally at ease around computers; they are also able to take advantage of the wide range of services computers provide. From an academic viewpoint, children have no choice but to master this technological invention. For instance, when I was in university, students brought their laptops to class to take notes, do research and exchange information. They wrote assignments, created presentations and developed databases. Children who build early confidence and experience in these abilities are at a distinct advantage over those who have not. From a professional perspective, the computer has found a permanent place in the workplace. Today, employers still pay to provide computer training to their employees. Tomorrow, corporations will expect prospective...
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...Do you think it represents an example of social investment? Why or why not? The Solidarity Fund had 2 purposes: to democratize access to professionally managed retirement accounts, and to support job growth in Quebec either through long term investment in small and medium sized local companies or by investing in outside companies whose activities benefited the province. Solidarity Fund does represent an example of social investment in my opinion because fills financial gaps when citizens are retired or are at a job loss. It also helps develops sustainability since high interest rates had created bankruptcy for many small to medium sized businesses while also a nearly a quarter of the young adult population in Quebec were unemployed. 2. Do you believe in the evidence in the case shows Gildan Activewear to be a socially responsible company, or not? I don’t believe that Gildan Activewear is a socially responsible company after the evidence set forward by the Maquila Solidarity Network (MSN), a North American labor rights organization, and Equipo de Monitorio Independiente de Honduraas (EMIH) which is an independent nonprofit monitoring agency. The report stated that ages for not meet the basic needs of the workers and they were responsible for excessively high production targets. Gildan failed to provide day care and nursing facilities as required by the law and the new employees are tested for pregnancy and the ones found to be pregnant were fired. It was reported that...
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...«Loveliest» in 1975 and had significant growth(34,9% in total sales) in its shares. During coming years the firm introduced 6 more perfumes all under the label Loveliest: Awash (6,3% of total sales, Summit (22.6%), Essential (16.9%), Swept Away (23.4%) and the most recent Natural (9.1%). The Flare Fragrances with all their perfumes generated 9.5 % of the total 66.6% of the U.S retail market of fragrances. By 2007, 93% of Flare Fragrance come from it’s six lines of fragrances. However, Flare Fragrance has been faced a growth challenge in a difficult economic environment. Decline in Growth Rate was from 12% growth in 2007 to 2% growth in 2008. There are different reasons for a decline in Growth. Firstly, company had underutilized market for young women(18-34 years old). Secondly, increased competition in the market. The company had comparatively low spending on the advertising. Another reason is that Flare Fragrances had relatively low sales in distribution areas. The corporation had to choose one of the strategies proposed by its consulting group in order to remain afloat. CEO of the company, Joelly Patterson, underlines two possible opportunities to her marketing team to evaluate. One of the possibilities of future development includes introducing a new product. It is a fragrance oriented at a younger audience. Another one is doing market penetration into the drug stores channel (increasing its sales at drug stores, prestige department stores, and through the internet). In...
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...Political Politically stable nation with two major (Democratic and Republic) parties and a qualified candidate will become the president. Each state has its own political subdivisions and its own set of laws governing the conduct of business within its jurisdiction such as banning the companies to use Agriculture land. Therefore, no single governmental agency or body imposes all of the laws and regulations applicable to all businesses. However, there is a significant body of federal and state regulations that affect the investment decisions of foreign businesses in the United States. Foreign investments are traditionally welcomed to create new jobs, increase capital growth and for technology advancements. Since 1990, FDI increased dramatically. FDI accounts for $148 billion in 2009 and forecasted $300 billion in 2014. Policies like tax credits such as Real Estate Act 2010 removes the current taxes on foreign investors of commercial real estate and other investment incentives are provided to attract more foreign investors. But US- China relationship is not in a good shape due to the factors such as Yuan manipulation, import taxes, excluding foreign suppliers at certain sectors. Outlook Stable political environment and favor to foreign investments. US- China relationship may become better or not based on the leaders decisions. Impact: Haeir have to spend time and effort on understand the system and to adhere to the State government regulations and Federal regulations...
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...the poor trends and the injustices the have plagues America's education system in the recent years. Children throughout this country do not have equal opportunities and if Congress fails to address the issue, it will come back and haunt them. Right now the graduation rate is at an all time low more and more students are dropping out of school. Racial Minorities make up 70% of the students who were arrested due to school related incidents. Why are students being punished by being taking out of the classroom that seems detrimental to their success in life. If the goal is to educate children for a young age, then punishments that keep them out of the classroom in the later years should be eliminated. That should be kept specifically for students who commit severe or extreme crimes , But how can we prevent students from being punished? The key is simple educate children from a young age. trials show that children that are talked to and read to are “ less likely to be arrested as teenagers”(Kristof,For Obama’s Second Team, Head Start Act). That is Pretty simple. Then the child will be less likely be punished...
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...The same exception to age discrimination is allowed when an organization is providing training classes or creating other initiatives targeting a specific age group. Cases of age discrimination can also be justified when employment is refused to a person too young. For example, a 17 years old man’s application for a job on a construction site, or other dangerous facilities, may be refused because accident statistics show that it can be dangerous for young inexperienced people. Specific financial services to targeted age groups, or the categorization of age groups for insurances purposes, are also allowed and have the purpose of targeting insurance and financial products based on needs as well as assessing risk. A life insurance for a person over 80 years of age will surely comply a higher risk than the same insurance for a person below the age of 30 and will therefore have different costs. Generally speaking, age discrimination is permitted, provided that the organization demonstrates that there is a good reason for the discrimination (Equality and Human Right Commission,...
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...More children are living below the poverty line in America today than when the war on poverty began almost fifty years ago. Despite consistent efforts by the government, nonprofit organizations, and the people themselves, poverty rates in 2012 are very similar to the early 1960s. Social security and Medicaid have reduced the number of seniors living in poverty, but the plight of children has worsened. Several factors have contributed to this problem. As measured by inflation adjusted dollars, wages of low-skill jobs have declined. The number of families headed by unmarried mothers has risen, and large numbers of immigrants with little education have entered the U.S. The combination of these factors have resulted in approximately 20% of our country’s children living in poverty, which is 50% higher than 1969. Historically, the foundational basis for lifting the disenfranchised out of poverty is education. One of the first steps of the civil rights movement was a grassroots movement educating the poor and disenfranchised to a level of literacy that would enable them to register to vote. This strategy was led by Stephen Currier and his wife, Audrey Bruce, the granddaughter of Andrew Mellon, during the early 1960s. Their Taconic Foundation brought the leading civil rights groups together with other foundations including the Stern, Rockefeller, and Norman foundations. The funding to civil rights advocacy associations was matched with volunteers throughout the South who tutored...
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...or experience. Essay 1 – High Score – Band 8-9 In today's modern world, computers are an essential part of everyday life. Around the globe, children often use computers from a very young age. Although it is important for children to participate in various well-balanced activities, in my opinion, children who use the computer daily are actually developing a critical skill for future success. The bases for my views are personal, academic, and professional. From a personal point of view, computers are an invaluable resource to help young people explore the world around them. For example, children who use Internet to satisfy their curiosity about diverse topics are already becoming independent learners. No child with a computer is ever bored! By starting early in their lives, children feel totally at ease around computers; they are also able to take advantage of the wide range of services computers provide. From an academic viewpoint, children have no choice but to master this technological invention. For instance, when I was in university, students brought their laptops to class to take notes, do research and exchange information. They wrote assignments, created presentations and developed databases. Children who build early confidence and experience in these abilities are at a distinct advantage over those who have not. From a professional perspective, the computer has found a permanent place in the workplace. Today, employers still pay to provide computer training to their...
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