...your organization. Throughout the process the details of the 401(k) plan at Tampa Bay & Company, a small sized organization, will be compared to other non-governmental company 401(k) plans to highlight specific examples and draw comparisons. Overall 401(k) Trends In response to the economic downturn there has been an increasing surge of employers who are lowering benefits associated with 401(k) plans. The most common trends are employers reducing the amount of match, reducing the portion of the match, or eliminating the match altogether. Over the past couple of years several surveys have been completed by investment firms, revealing that the number of employers who have decreased company contributions is on the rise. Some surveys show as low as a 7% decrease, but the majority of surveys claim that the amount is closer to 25% of employers who decreased matches or ceased employee contributions all together. Nearly two-thirds of employers still continue to provide matching contributions. This is astonishing, considering that 75% of all employers froze raises and/or reduced salaries in 2009. ( Metropolitan Life Insurance Company, 2010). Participants have also decreased their contribution amounts while increasing their need for loans and hardship withdrawals. Due to the current economic conditions and the need for disposable income, 38% of participants have chosen to...
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...Logos in “Letter from Birmingham Jail” In his “Letter from Birmingham Jail”, Dr. Martin Luther King, Jr. states his argument against racial injustices and responds to accusations made by eight white clergy men against him and his fellow Negroes that their non-violent direct action protest was “unwise and untimely” (739). One of the ways that Dr. King responds is with the use of the rhetorical appeal, logos. He presents logical reasoning along with citing specific examples, facts, and evidence for his actions. The information he presents is truth and therefore convincing. In paragraph six, King points out that the actions of his organization were well-planned out and justified by listing the four basic steps that were taken leading...
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...stating from the political environment of the Indian market and the trade barriers it faced, going through the market entry and penetration strategies considered and the flexible marketing mix used and how it was placed to increase consumption and market share, ending with the change in the environment and market due to boycott campaigns for different reasons. Discussion Political environment and trade barriers: Until the early 1990s, India was considered unfriendly to foreign investors, especially in consumer goods sector. If an item could be obtained within the country, imports of similar items were forbidden. Due to this environment, Coca-Cola had withdrawn from the Indian market in 1977. Looking back at Coca-Cola's withdrawal we can notice: Coke's refusal to give the formula and withdraw from the market wasn't a clever decision, because as a big company, coke must expect to face many challenges. It should have believed in it marketing capabilities and its ability to position its brand as a unique one, different from others even if they claim they are the same. And using the huge resources it has worldwide, it could have planned a strategy to overcome this problem and stay in the market and even gain market share as the only unique multinational brand. If coke had stayed in the market, it could have too advantage of the BVO warning crisis that the local companies faced after it appeared to be carcinogenic. And if coke had stayed in...
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...David Garcia SOC 240 Professor Ortiz Homelessness and Deviance Homelessness is something that is widespread throughout the United States as well as many other parts of the world, some places being more severe than others. Regardless of where the place is, a stigma is placed on those who are homeless, often being labeled as deviant. Those who are homeless, unemployed, or those receiving welfare are often viewed as lazy, reluctant to work, and possibly a drug addict. Also, assumptions are often made that those who are homeless are where they’re at as a result of their own actions. As a result of being homeless, individuals are left to fend for themselves in the streets, and ultimately these individuals are more vulnerable to using drugs, alcohol, committing crimes, and even prostitution. This only makes the people who already label these homeless individuals deviant as even more deviant. I argue that homelessness is not a form of deviance, that it is not a personal choice to be homeless but that there are conditions that are out of those individuals control that can lead to homelessness. It is more of an economic and lack of information issue than it is an issue of whether it is deviant or not. Homelessness itself isn’t deviant, but under certain circumstances it can lead to deviant behavior. As Jeffery Chaichana Peterson states on his article on homelessness (2012), “As a result of urban deprivation, economic decline, a rise in housing costs, and a decline in blue-collar...
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...Trauma is derived from the Greek word for a wound, it is said to be a ‘deeply distressing or disturbing experience’ (Oxford Dictionary) A traumatic incident is where a person experiences, witnesses, hears about a (real or perceived) threat to the physical and/or psychological integrity of self, or others whereby the person's response involves great fear, horror and/or helplessness.(APA 2002) Examples of a traumatic incident could be a threat, an accident, a form of abuse, of the death of a loved one to name only a few. Dependency can be described as the state of relying on or being controlled by someone or something else. The world health organisation in the 1960’s recommended that the term addiction be replace with dependence- as dependence can have varying degrees of severity as opposed to the ‘all or nothing’ concept behind addiction. Dependence can be seen as a compulsive need for and use of a habit forming substances, characterized by tolerance and well defined physiological symptoms upon withdrawal. Drug dependency is a common problem amongst all ethnic groups and social classes worldwide. Drugs can be taken for a number of reasons and not everyone who consumes them will become dependent. It has been suggest that drugs are taken for one of two reasons Pleasure or relieve symptoms of suffering. There are a number of contributing factors why people develop addictions. However trauma and addictions are very closely linked. Never the less this does not mean that ever addict...
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...Discuss. The term lame duck president used to mean a president who was in his last few months in office, after his successor had been elected. Now it is used to mean anything up to the last two years of his last, typically 2nd, term. Without the prospect of re-election, and time in office running out a president may seem to lose power and or focus, becoming weak and having little impact of the country as a whole. The media and members of Congress are looking ahead to the next election and administration. Since the ratification of the 22nd amendment in 1957, a president has been limited to serving 2 terms. Since, in his second term, the president is not up for re-election he no longer has appeal to his electoral base, meaning XXXXX EXAMPLE. • members of Congress know even a popular president will have no coattails in the next election The president and congress are aware that he will have little impact on the election of his successor, meaning the Legislation can take a long time to pass through all the different stages needed for it to become law. This is especially true if the President RECOMEDS a bill and it has to pass through an opposition controlled government. As the president approaches the end of his second term, he will stop SUGGESTING bills as they will be unable to pass through congress, making him look weak. The administration has usually run out of steam Since 1932 only 2 incumbent presidents have failed to be elected for a second term, Bush sr and Carter...
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...Name Writing Assignment 3: Writing a comparison- contrast essay Due: October 13th, 2015 Introduction to Independent Learning Teachers name Herion Abuse VS Alcoholism My goal in this paper is to compare and contrast the difference of Heroin abuse and Alcohol abuse. To achieve this goal, I will explain the differences and the similarities. Heroin is a very popular drug affecting all ages. It is a drug that is severely abused by mental dependency. According to narconon.org, Opium was “developed as a pain killer in approximately 1810. It was considered a wonder drug because it eliminated severe pain associated with medical operation or traumatic injuries.” This drug was used in the Civil war treating thousands of soldiers. Resulting in, becoming addicted to Heroin. At one point in the 1920’s, in the United States Heroin was sold legally. Quickly, congress realized the danger of this drug and created the Dangerous Drug Act. This act prohibited people to purchase, export, and transit Heroin. In 2011, according to drugabuse.gov Heroin has effected 4.2 million American aged 12 or order. This means, they’ve sniffed, injected in veins, or smoked this evil drug. Many documentaries have been filmed about Herion addiction. Including, Drugs, Inc, National Geographic, and Monroe news. All these documentaries have been aired on Television. Heroin has become a public focus. According to think process.org, the Obama administration “unveiled a new strategy to combat heroin abuse...
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...Struck by the inequalities and isolation thrown onto poor people in America, Matthew Desmond (2016) decided to study poverty. Desmond (2016) understood that poverty was not an occurrence with complete focus on the surrounding poorness, but rather a relationship between the rich and the poor. His desire to understand that relationship drove him to study evictions—a great representation of such. Desmond visits the “Brew City” of Wisconsin, Milwaukee, where he portrays the hardships of eight families to show how the same issue affects different people in different ways, though all poorly, in his ethnography Evicted: Poverty and Profit in the American City. Desmond did an amazingly maintained the focus of his novel on poverty instead of getting...
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...University of Phoenix Material Effects of Mass Media Worksheet Write brief 250-to 300-word answers to each of the following: |Questions |Answers | |What were the major developments in the | At the turn of the 20th century, there were several different developments in the | |evolution of mass media during the 20th |evolution of mass media. Which were cell phones, color printers, televisions, and the | |century? |internet. The turn of the 20th century also allowed for duplication of others materials. | | |Using duplication technologies like printing, and film replication, which allowed the | | |reprinting of books, and films for a lesser cost to bigger audiences. Live broadcast | | |stations and T.V. stations would allow for the republication of their programs, which was | | |the first time in history, this had ever been aloud. Some have considered this to be a | | |treat to our overall well-begin. Mass media has had a difficult history. Mass media | | |stretches all the way back to the cave man days, where the tough was that the cave man | | ...
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...play a role in a person’s desire to refrain from the use of drugs. However, brain structures and functions of the brain related to motivation play a bigger role in the ability to do so. Brain Structures and Functions The Merriam-Webster’s dictionary defines addictions as a “compulsive need for and use of a habit-forming substance characterized by tolerance and by well-defined physiological symptoms upon withdrawal; persistence compulsive use of a substance known by the user to be harmful.” The human brain releases chemicals called neurotransmitters when we feel pain or pleasure. For example, a person touches a hot stove and immediately our brain registers the pain and tells us to remove our hand. This is a survival mechanism. Not only does pain cause us to react, but the neurotransmitters released also serve to reinforce this behavior whenever we react by avoiding it (painful stimulus). Our brain forms a neural pathway connecting perceptions to our reactions (Cooper 2010). When we feel pleasure, neurotransmitters called endorphins are released into our brains. For example, when we eat, it causes a happy feeling and the endorphins are sent out. We form different reactions for different substances. With the use of drugs such as heroin, the chemical itself cuts out our natural endorphins and act as our pleasure...
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...biologically, or family. Many students with EBD display learning and behavioral problems that make teaching them effectively in instruction difficult (Kauffman, 2005). When a student is in a class where the instruction is not being effectively instructed, an EBD student will tend to make much less academically then their peers. The EBD student may have a deficits of learning and behavior problem and the instructor cannot provide adequate instruction and the EBD student may need intensive remediation. An EBD student may show aggressive behavior or a lack of motivation and all these things adds to the instructor or teacher not being able to provide instruction. For example, a teacher who is unskilled in showing students’ individual differences may create an environment wherein aggression, frustration, and withdrawal or common attitudes in the class. But, teachers who are skilled at managing classroom behavior or making up lessons to show the diversity within the class usually can...
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...withdrawals it’s forces. Firstly, we must look at the model of Iraq and the forces that play key roles in withholding Iraq’s security. The state of the country, in 2010, is set up like so. The core of Iraq consists of the Government of Iraq (GoI), which is mainly dominated by Shi’s parties such as Da’wa and Islamic Supreme Council of Iraq (ISCI). The main opposing groups also in the core are the Sunni and Kurd, which consist of the Sunni Iraqi Islamic Party (IIP) and Sons of Iraq (SOI) and the Kurdish block, which consists of Kurdistan Democratic Party (KDP) and the Patriotic Union of the Kurdish...
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...One of the most striking changes in family structure over the last twenty years has been the increase in single-parent families. In 1970, the number of single-parent families with children under the age of 18 was 3.8 million. By 1990, the number had more than doubled to 9.7 million. For the first time in history, children are more likely to reside in a single-parent family for reasons other than the death of a parent. One in four children are born to an unmarried mother, many of whom are teenagers. Another 40 percent of children under 18 will experience parental breakup. Ninety percent of single-parent families are headed by females. Not surprisingly, single mothers with dependent children have the highest rate of poverty across all demographic groups (Olson & Banyard, 1993). Approximately 60 percent of U.S. children living in mother-only families are impoverished, compared with only 11 percent of two-parent families. The rate of poverty is even higher in African-American single-parent families, in which two out of every three children are poor. Effects on Children Past research has indicated that children from single-parent families are more likely to experience less healthy lives, on the average, than children from intact families. For instance, children growing up with only one parent are more likely to drop out of school, bear children out of wedlock, and have trouble keeping jobs as young adults. Other consequences include risks to psychological development, social...
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...creativity and personality of a person and level of stress. A mild level of stress makes a person more challenging, competitive and more enthusiastic towards his work and feel him proud after successful handling a situation, a moderate level of stress leads to increase in productivity and performance. However a high level of stress leads to feeling of puzzlement, uncertainty and fear of failure, doubts about owns abilities and perception and cause medical problems like headache, heart problems, ulcers and even death of employees. Effects of stress not related to individual, it also had consequences on organization there is a significantly change in the attitude of a person towards organization, leading to decrease in performance or even withdrawal from the organization. Considering all these effects of stress on employees organizations are...
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...brought into the world with different views and how to encounter the world’s greatest issue with prejudices, discrimination, stereotypes. Race, gender, age, ethnicity, and religion are prime examples of biases. As a reader, one may envision prejudice, discrimination, and stereotype are the same words just used in different context; however, the definitions illustrate the opposite. According to Fiske (2010), all facets of biases include category-based responses, which are directed towards other individuals (Fiske, 2010). Social biases can negatively affect an individual’s life, employment status, and outlook and quality of life. It is important to understand and research the many reasons why social biases are negative and how to conquer and modify one’s behavior to better prepare for the future. Define the concepts of prejudice, stereotyping, and discrimination According to Myers (2005), social biases are a typical occurrence in any type of group collaboration that involves negative evaluations of each group (Meyer, 2005). Many social psychologists frequently associate cognition to stereotype, affect to prejudice, and behavioral to discrimination. The first type of bias is stereotype, which is represented when an individual places personal beliefs on a particular group. Some examples of groups are whites, Muslims, homeless, and rich. Stereotypes are usually distorted and mislead information regarding certain types of groups. These stereotypes are based off of inaccurate...
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