...November 12, 2011 In the Unites States we do not need to plan for retirement. Social Security will cover our needs when we are retired. "The Social Security program is a pact between workers and their employers that they will contribute to a common fund to ensure that those who are no longer part of the work force will have a basic income on which to live. It represents our commitment as a society to the belief that workers should not live in dread that a disability, death, or old age could leave them or their families destitute." - December 20, 1977 President Jimmy Carter. "This law represents a cornerstone in a structure which is being built but is by no means completed--a structure intended to lessen the force of possible future depressions, to act as a protection to future administrations of the Government against the necessity of going deeply into debt to furnish relief to the needy--a law to flatten out the peaks and valleys of deflation and of inflation--in other words, a law that will take care of human needs and at the same time provide for the United States an economic structure of vastly greater soundness." -August 14, 1935 President Franklin Delano Roosevelt. The statement that Social Security will cover needs when one is retired is not only a myth but an ancient and outdated philosophy. As one looks into the Social Security today, one must look at the entire pie. Social Security is a tax paid by working men and women. A percentage of these taxes are suppose...
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...writer is trying to prove is that her mother was a hard worker throughout her whole life who never once stopped working regardless of the circumstances or obstacles that she came across. I think that her thesis was never explicitly stated because the telephone conversation stated her thesis well. She stated her essay with the telephone conversation and in the pause between the response of the lady from the Social Security Office she goes back in time and gives a little background of all the jobs her mom had. The writer had a specific question and the lady had a solid answer. At the end of the passage the lady answered her question and gave her the news that she wasn’t eligible for death benefits because her mother never worked according to their records. In my opinion the thesis was in some way written throughout the whole essay when she was explaining all the jobs and task her mom actually had because at the end of the essay you don’t question the answer the Smith-Yackle answered to the lady because she simply gave the readers a background of all the jobs her mom actually did throughout her whole life. In my personal opinion I wouldn’t change the way she wrote her essay and how she didn’t exactly write her thesis it was smartly written. 2. Answer question three under Purpose and Audience.I think that Smith-Yackle mentioned less about...
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...Social Security Essay Outline Social Security Outline The current system has disproportionate burdens for current and future youth, if not changed immediately. 1. There are simple reasons as to why the system is projected to be unable to pay future benefits. A.) Social Security involves today’s workers to pay for retirements of today’s retirees. B.) When Social Security began there were 16 workers paying in for every retiree. C.) In the future there will be 1 or 2. D.) The benefit formula is increasing above inflation but it is not enough to cause the problem. E.) The ratio of working to retired is the problem. The debate isn’t whether we will go broke it is when. 2. If projections are correct, we will be dipping into a surplus in the Social Security taxes. A.) This is not fair and the “surplus” does not exist, the government borrows against our own money. B.) At this rate the system will be short on money by 2042. C.) This will make for higher taxes, and cuts in government spending. D.) Worse case scenario, benefits will be also be cut. I sequenced my paragraphs as such to show my audience the severity of Social Security benefit decline in the near future. Most people are not aware of how Social Security even works. I had chosen this topic because I do not agree with the idea, that there is no need for retirement plans because Social Security pays for itself. That thought process is false. I am here to disprove that claim and show my audience...
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...purpose was to do an argumentative essay in accordance with Rampage Chapter 14. I want the reader to understand the pro and cons of using privatizing Social Security. 2. What was the most challenging part of writing this paper, and why? Explain. For me it was sitting down and gathering my thoughts. I had a trying schedule with work and needed that time to myself to make it happen. I do have an opinion and I find it difficult to put them aside and argue both sides. 3. What do you see as the strengths of the paper, and what would you try to do if you were to revise it some more? The strength of my paper I feel is that it gives legit and strong facts of the pros and cons of the topic. If I could tweak it some more it would be to not personalize it as much. 4. What is not a part of your paper that you think might help a reader understand or appreciate it more? What didn't you put in? Are there certain events or feelings or memories that led you to write on this topic or to take this approach? What kind of feedback or response would you like from your reader? I think this essay will definitely bring to light the future of social security. I think that individuals don’t know that they could lose their money if they do not take the time to learn the benefits of the programs to include privatization. Jabari Williams Professor Houston English 102 25 January 2011 Social Security-Privatize or Not? Should Social security be privatized? In order to understand...
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...States, we do not need to plan for retirement. Social Security will cover our needs when we are retired. Outline for persuasive essay that retirement planning is crucial due to Social Security will not provide sufficient benefits to main a bare existence. Thesis statement: For those that plan on dying at an early age there is no need for retirement planning, however many of us hope to enjoy our golden years; therefore planning for retirement is a grave issue (excuse the pun). Points for Paragraph One: a). Social Security was designed as an anti-poverty program. b). Social Security only provides 40% of retirement income. Points for Paragraph Two: a). Living expenses only marginally different during retirement. b). Cost of living and inflation factors. c). Poverty level. Points for Paragraph Three: a). Federal government is not here to completely take care of us. b). Personal responsibility. c). Options. Conclusion: We make a choice as to whether we want to live well during retirement, or barely exist. What will your choice be? Placing my key points that I want to make in a logical order is important to how my essay flows, and to create a steady rhythm of hard information. Here is you income, here are your expenses, and here are your options. This is very similar to creating a budget. My main references for information are the Social Security Administration, United States Department of...
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...not need to plan for retirement. Social Security will cover our needs when we are retired.” Thesis: Retirement is a time to break away from a hectic schedule and enjoy life. Retirement also can be a time of change and unexpected challenges. Planning for retirement with a solid financial investment is the key to providing financial security for life’s “golden years.” Relying solely on Social Security benefits to fund your retirement will place your financial security at risk. Organization: Order of importance. Purpose and audience: To show a solid financial plan for retirement is possible at any age, and the importance of not relying on Social Security as a sole means of taking care of day-to-day expenses. This essay is intended for an audience interested in learning how to make wise choices for their retirement, especially those who are planning to rely on Social Security benefits only. I. Relying solely on Social Security to fund for retirement may be a recipe for financial failure. A. Current research states the Social Security fund may be depleted of funds by the time most people are ready to retire in the next ten (10) years. B. Provide government statistics indicating current rate of payouts as opposed to program’s available funds. C. Current economic research showing of increasing cost of living expenses versus Social Security benefit increases, or lack thereof. II. Relying solely on Social Security benefits can have other far-reaching effects...
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...Preventing Data Security Breaches And Identity Thefts Information Technology Essay Current online marketing strategies deliver immense benefits to the modern global firm by way of better market reach, cheap and convenient transaction possessing, multiple online payment options and real time consumer data management. Marked benefits are commonly discernible in the area of internet based business-to-business or B2B, and business-to-consumer or B2C e-commerce models. These online commerce models rely on digital marketing for their success, which in turn in essentially a remarkable success of information technology and data management techniques. However, the growth of digital marketing is getting severely affected by the misuse of technology by criminals and unscrupulous persons in various ways. Such misuse of technology encompasses identity theft, data loss and other data security breaches. Increasing information security breaches and cases of identity theft in recent times threaten the marketing of products and services either online or offline like never before. This paper attempts to understand issues and outcomes of identity theft, data loss and security breaches on the present and future global marketing environment by examining several secondary sources of information. 2. What is identity theft? We can help you to write your essay! Professional essay writers Our writers can help get your essay back on track, take a look at our services to learn more about how we can...
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...Particularly in paragraph 8, it uses seven keywords to make the blur language of Article 11(1) of the International Covenant on Economic, Social and Cultural Rights on adequate housing become very lucid. “Legal security of tenure”, “availability of services, materials, facilities and infrastructure”, “affordability”, “habitability”, “accessibility”, “location” and “cultural adequacy” are the seven key words are very essential to detail the concept of adequate housing. In the case study of Chinese floating population’s housing right, the essay stresses the “legal security of tenure”, “availability of services, materials, facilities and infrastructure”, “affordability”, “habitability” and “location”...
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...BUS 681 Entire Course Compensation and Benefits http://www.devryguide.com/downloads/bus-681-entire-course-compensation-benefits/ To purchase this tutorial copy and paste link in your browser. BUS 681 Entire Course Compensation and Benefits Week 1 Compensation Strategy. Discuss the general goals of an organization’s compensation system, including how a compensation strategy works to support the organization’s business strategy. Respond to at least two of your fellow students’ postings. Compensation Practices. Discuss the various factors that influence a company’s competitive strategies and compensation practices. Assess how a company can mitigate these factors using effective compensation practices. Respond to at least two of your fellow students’ postings. Journal Article Research and Analysis. Using a variety of research techniques, write a 3-5 page essay that summarizes the impact and affect of compensation within an organization. This essay should be based on research obtained through a minimum of three Journal articles. Week 2 Seniority and Merit Pay. Define the concept of seniority and merit pay plans, including the strengths and limitations of such plans within an organization. Discuss the job, organizational and/or other factors that should be considered when deciding between the two. Respond to at least two of your fellow students’ postings. Incentive Pay Plans. Discuss how incentive pay plans – both individual and group – motivate employees to achieve...
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...Many individuals believe they can rely on Social Security to cover their needs when they retire. However, if they do not take the responsibility of planning and saving for their retirement today, they will find themselves working far longer than they expected or living at a lower standard of living. Social Security was introduced during the Great Depression by President Franklin Roosevelt to provide benefits to those who qualify for retirement, disability, and death. The system is set up so that it funds itself. It uses the funds that working individuals pay into it through taxes and pays out to those collecting Social Security. This means that even though working individuals are paying the Social Security taxes today, it does not necessarily mean the money will be available for them to collect when they retire. This is because the money does not go into a retirement account for each individual paying the taxes and saved for their retirement, but instead is used to fund the system for today’s retirees. When the amount collected from tax deductions is greater than the payout to participants, the excess money is saved in the Social Security Trust Fund. Many people believe that relying solely on the Social Security System for their retirement needs is a secure plan. They assume that as people retire, there will always be a younger generation working to fund the system for current retirees’ Social Security benefits. However, this is not exactly the case. As Baby Boomers are retiring...
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...People with disabilities (PWD) are faced with many challenges. Prejudice and discrimination is a challenge people with disabilities are faced with. There are several sources of prejudice and discrimination. This essay identifies a source of prejudice and discrimination and explains the effects that source of prejudice and discrimination may have on a person with a disability. It considers a way to change negative attitudes and behavioral related to the source of prejudice and discrimination towards people with disabilities. A prejudice is having an attitude and beliefs about a particular group or culture, which could lead to discrimination. Discrimination is an act of denying the rights of those whom they believe do not deserve the same...
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...Social Responsibility is a concept that includes a company’s actions, activities and attitudes and how they impact the business and the market in which it operates, with emphasis on maximizing its positive impact while minimizing its negative impact. In this essay, I will explain why I think Company Q is or is not acting in a socially responsible manner for each of the three situations in this scenario. I will also explain three ways I think Company Q can bolster its attitude towards social responsibility to improve its positive impact on all its stakeholders and the community it operates within. Each situation in the scenario has a component of merit and detriment to its stakeholders, but to me, I believe the attitude towards social responsibility by company Q is negative at the core. Company Q appears to be following more of a shareholder model, in which it is placing most of its emphasis on the shareholder and increasing profits without much consideration for its other stakeholders. For example, in situation 1, Company Q closed two stores in a major metropolitan area suffering from high crime rates due to a consistent loss of money. While this decision was beneficial to the shareholders, it will also put all of those stores employees out of work and eliminates a source of groceries for its communities. Situation 2 shows the emergence of a limited health-conscious/organic products section in the stores after years of requests from customers. But these items are all...
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...purpose of this paper is to create and devise a memo for Forward Style, Inc.’s management. The company offers benefits, such as Private Retirement Plan, Medical insurance, Disability insurance, Social insurance, including Social Security, Unemployment insurance, Worker’s Compensation, Pay for time not worked, Stock options, Child Care, and Family and Medical Leave (FMLA) of 6 paid weeks and up to 6 additional unpaid weeks. After reviewing and evaluating the company’s incentives and benefits program, I will determine if legal requirements are being met by the company. I will accurately identify and explain which benefits are legally required and which benefits are being used to attract employees. Additionally I will explain how the offered benefits impact the organization. Employee benefits are important to most employees. Therefore, benefits an employer offer can be a deciding factor for a potential employee in deciding whether or not to work for that company. According to the U.S. Small Business Administration, there are two types of employee benefits, such as benefits employers are required by law to provide and benefits that are optional for an employer to offer and or provide. Examples of required benefits include unemployment insurance, workers' compensation, and social security, whereas optional benefits include health stock options, child care, retirement benefits, and health care insurance coverage (The U.S. Small Business Administration, n.d.). Memorandum To: Forward...
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...Essay 1--Medicare Medicare is a social insurance program administered by the United States federal government to guarantee access to health insurance to citizens age 65 and older, those with end-stage renal disease and former workers who have been receiving Social Security Disability Insurance for at least two years. Signed into law on July 30, 1965 by President Lyndon B. Johnson as Title XVIII of the Social Security Amendment of 1965, Medicare was designed to close major gaps in the Old Age, Survivors, and Disability Insurance program (OASDI). Prior to the enacting of Medicare, less than half of the elderly in the US were covered by health insurance. The most significant impact of this law was the establishment of two related health insurance programs to provide protection against the high costs of hospital expenses (Part A), and a voluntary supplemental plan that covers payment for physician services and other medical expenses (Part B). The original budget for Medicare was approximately $10 billion and covered 19 million Americans during the first year. Early legislation to provide a national health plan for seniors was first introduced by President Harry Truman in 1945 when he called for the creation of a national health insurance fund. Every Congress from 1952 to the passage of this bill received proposals, primarily from Democrats, for providing hospital insurance and health benefits as part of the social security system. Medicare Part A, financed by a portion...
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...Thesis Statement With the recent school shootings happening and evidence of the perpetrators posting comments online thru social media, the government should be focusing on applying laws requiring companies to use artificial intelligence agents to help identify persons of interest and allow local law enforcement, along with the companies, to monitor these agents. Annotated Bibliography Dulek, R., Motes, W., & Hilton, C. (1997), Executive Perceptions of Superior and Subordinate Information Control: Practice versus Ethics. Journal of Business Ethics Vol. 16, pgs.1175-1184 This entry examines the ethical practices of leaders in a business and their employees involving information control within a business. Specifically it examines whether these executives know if control is being performed and if they deem it ethical. The statement “…executives are generally drawn to those command activities they deem to be "proper and right." but shy away from those that are iniquitous.” R. Dulek has authored six books and publishes more than forty journal articles. He is currently...
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