MPH 504 - Epidemiology (Module 4 - SLP) Essay Example | Topics and Well Written Essays - 500 words

MPH 504 - Epidemiology (Module 4 - SLP) - Essay Example This means that the outcome which is E.Coli diarrhoea in this case, is associated with the exposure, the alphalpha sprouts. The confidence interval is 7.5 to 545.7. Since the confidence interval does not include 1, the Odds ratio is significant, indicating that there is a positive association between exposure and outcome. Confidence interval is an interval estimate of population parameter, measuring as the interval which is likely to include the parameter given. Most of the times, the confidence interval is qualified as "95% confidence interval." The end points of this interval are known as confidence limits. In this case, the end points are 7.5 and 545.7. Just because there is statistical association between alphalpha sprouts and E.Coli diarrhoea, it does not mean that there exists a cause-effect relationship between alphalpha sprouts and E.CColi diarrhoea. There are five aspects which have to be examined before determining the causality. The first one is the strength of association. In this case, it is the Odds ratio. The greater the Odds ratio, the greater is the association. The Odds ratio is 29 which means that the strength of association is significant. Other four aspects which need to be determined are dose-response relationship, consistency of association, temporally correct association and biological plausibility. Since we do not have information about these aspects, it cannot be positively said that there exists a cause-effect relationship between alphalpha sprouts and E.Coli

The Values And Ethics Social Work Essay

The Values And Ethics Social Work Essay Social workers are faced with making decisions about risks whilst managing the pressures of limited resources such as a lack of social workers and societys view of social work (11). This can cause a social worker to be risk averse and become more concerned with avoiding risk to protect themselves instead of taking action that may be right for the service user. 88% of social workers have expressed a concern that cuts in services can put peoples lives at risk and 77% stated that they were unable to manage their caseloads (1). Wales has the second highest vacancy rate of social workers in the UK at 9% with England at 11% (Lombard, 2010). There are 3 different types of risk (Adams, Dominelli Payne). These are the risk to service users from others, the risk to service users from themselves and the risk to others from service users. In the statutory sector risk assessment is a mandatory part of casework as it is within law and agency policy to assess risk to an individual (Healy,2012). S17 and S47 of the Children Act 1989 places a duty on a social worker to investigate when it is believed that a child is at risk of harm. The difference between S17 and s47 is the urgency and seriousness of risks (Beckett, 2010). Risk to the child includes some form of harm and the probability of that harm occurring. 2. Factors of Risk There are certain factors in a childs life that may be linked to poor outcomes (Parton, ) These include low family income, homelessness, parenting capacity, post natal depression in the mother, low birth weight, substance misuse and community factors such as residing in a disadvantaged neighbourhood. Protective factors may include a strong relationship with parents and other significant adults, parental interest and involvement in the childs education and positive role models. There are also other protective factors if the child is outgoing, has self motivation, has intelligence and plays an active role in family and community life. The more risk factors present the more likely it is that they would experience abuse or poor outcomes (5). Early intervention to identify risks can help to reduce problems. Identifying the risk and protective factors can give a prognosis on the childs future development (8). Assessing their needs and risks will help to identify the services that should be in place to prevent further impairment to their health and development (BASW, 2012, 3.2). In assessment we must recognise the factors that could have harmful consequences and the severity and the likelihood of harm (Beckett, ). The difficulty in assessing risks is that we may see a high risk factor that may be unlikely to materialise but dismiss low risk factors which may cause more harm long term. There is the potential to reinforce social inequalities as many factors are strongly associated with socioeconomic disadvantage such as single parents, low income and previous institutional care (CCW, 2002, 1.5). 3. Assessment In social work the assessment of children involves analysing the childs development needs, parenting capacity and family and environment factors (Welsh Government, 2001). Using the assessment triangle gives a holistic view of the child and the influences upon them. Once all the information is gathered it can be easier to identify the areas in which a child is most at risk and how those risks maybe addressed (BASW, 2012, 3.2). Risk is an aspect of all assessments (Whittington, 2007). The aim of a risk assessment is to consider the situation, decide on the likelihood of the risk happening and aim to reduce the identified risk having a negative impact. There are different types of risk assessment (Coulshed Orme, ). These are preventative, investigative and continuation. Preventative is undertaken before intervention to decide on whether or not to intervene. It involves looking at the situation and assessing the risk factors along with balancing the rights of service users and the responsibilities of the social worker. Investigative is carried out during an initial assessment to identify the current and potential risks. Continuation assessment is balancing the risks of intervention against no intervention. A social worker should evaluate the original situation then acknowledge changes and what effect these changes will have if any at all. In social work the actuarial and clinical methods of risk assessing are used (Cree Myers, ). The actuarial method uses statistical calculations of probability and how an individuals behaviour is judged on the basis of behaviours in other people in a similar situation. The clinical method uses personality factors and situational factors relevant to risky behaviour and the interaction between the two. Adhering to legislation, policy and procedures and the rights of the service user should ensure good practice in relation to assessment and managing risk and protection (Adams, Dominelli and Payne, ). Legislation and policy shapes and determines the actions, duties and powers of a social worker (CCW, 2002, 6.1). Failure to follow set policies and procedures can result in things going wrong. 4. Skills and Judgements in Assessment Management of risk is often judged by the outcome and not the process of the assessment (7). When examining a case that has had negative outcomes it is easy to see the presence of heightened risk. This can reinforce the view that the outcome could have been avoided had the risks been realised. Conducting an initial assessment requires interview skills to get the information and reasoning skills to analyse the information and identify risks (CCW, 2002, 4.2). Assessment is an essential skill in itself (9). It requires effective communication skills to gather the necessary information and critical analytical skills to interpret that information. A social worker will need the appropriate skills to be able to negotiate with a service user or an agency in order to provide appropriate services (BASW, 2012, 2.2.3). Serious case reviews often highlight the importance of assessment and analysis (Good practice in assessment book). An effective assessment looks at the overall situation to explain what has happened to a child and provides a framework for analysing the needs of the child and the dangers that individuals pose to children. Particular care must be taken so that the assessment does not become over optimistic and minimise the risk to the child. The focus should be on gathering evidence to make professional judgements about whether a child is safe from harm, neglect, and abuse. Other skills in assessing risk is the ability to predict what may happen in the future in areas of uncertainty (Trevithick, ). If the information gathered is accurate and up to date and the social worker has a sound knowledge and skill base there is less chance of over or underestimating the risks involved. In order to gain accurate information a social worker should use effective communication and listening skills to pick up on the risks presented. Communication between professionals and agencies may be difficult as there may be issues of power, different priorities and professional values (10). For example a doctor will be more concerned with discharging a service user once their medical issue has been addressed. A social worker will be concerned that services are put in place to ensure that the service user is safe to return home. Skills and knowledge are frequently criticised in serious case reviews into child protection services and can adversely affect risk management. 5. Risk Management In a review of child protection services it was identified that mistakes in assessment of risk have been either over or under estimating the risk posed to the child (2). Risk management cannot completely eliminate risks only reduce them. An assessment may decide that the risk of harm to a child will be low but low risk events can still happen. A social worker should use their professional judgement when deciding on actions to take as all options will involve a certain amount of risk (CCW, 2002, 4.1). For example when a child is removed from their family and placed in local authority care they may face other risks such as being unable to settle with a new family. The principles of working in child protection are to maintain the safety, security and well being of individuals. A social worker should use their judgement to balance the possible benefits of a decision against the likelihood of possible harm. They should work with other professionals to make decisions on risk involved so th at errors can potentially be reduced (BASW, 2012, 3.1). Lessons can be learnt to improve decision making from the successes as well as the failures. Positive risk taking relies on quality information. Agencies should share appropriate information on those individuals who pose a risk to others or those that are at risk from harm. A serious case review identified several failings in the protection of Baby P (6). Two of the children in the family were already subject to child protection plans which may be seen as a risk factor. The adults involved had refused to explain Ps injuries. It would have been reasonable to believe that Baby P was at risk if the adults were not willing to provide an explanation if they had nothing to hide. It was recommended that interagency working and communication must improve to ensure that children have a greater level of protection from different professionals. Professionals should recognise and respect each other roles and be trained appropriately together (BASW, 2012, 3.14). Supervision for the social worker in the case of Baby P was inconsistent and often cancelled. When carrying out S47 enquiries a social worker should be supported by their manager and have periods of supervision to review their caseload. This provides the opportunity to view the actions of the social worker f rom another perspective so that other options can be explored. A criticism of social workers in child protection is over familiarity with a family (10). The social worker may have long term involvement with the family and are unable to take an unbiased view of the situation. Therefore it is important that supervision takes place to gain another perspective (BASW, 2012, 3.13). Child protection conferences should involve the parents (AWCCP). Professionals should determine how information about the case will be shared with them to ensure that a child is not put at further risk. Unless the criteria for exclusion are met parents should always be encouraged and supported to attend the conference. By attending the conference parents will be clear on what the concerns are, understand the risk to their children and the reason for the involvement of the different agencies. This will ensure that they are aware of the changes that need to be made to protect their children from harm. During the conference professionals involved must consider the risks of harm if the child were to remain at home and how those risks can be managed. A plan will be created which will detail the arrangements for managing the risks identified and how it will be monitored. The child protection plan must consider the wishes of the child and the parents (CCW, 2002, 1.2). A solution focussed approach can be utilised by the social worker to plan the necessary services required to manage the risk (Creer and Myers). This approach is used when finding solutions to the current situation. A social worker may consider services such as family counselling to explore and understand the issues the family have. 6 Values and Ethics etc There are times when taking a risk is a positive move (Beckett, ). It provides an opportunity to learn to manage risk. If a child is over protected they cannot be expected to understand how and when to take risks. If risks are unavoidable then the positives and negatives of the outcome should be analysed. In child protection the dilemma may arise when deciding on whether to remove a child and place them in foster care or remain with the family. As previously identified there are risks in placing a child in foster care. If they are unable to settle they may experience multiple moves. When there are risks of harm to children there will be pressure on the social worker to act quickly but this may be difficult as exploring the risks and benefits effectively may take time. There are also risks to social workers from aggressive parents when working in child protection (Lindon, ). The social worker should acknowledge the parents feelings and refrain from arguing back. As the social worker has a responsibility towards the children they should attempt to diffuse the situation to prevent upsetting the children (CCW, 2002, 5.7). The anger from the parents could present a risk to the children and should be acknowledged as such. A child has the right under Article 19 of the United Nations Convention on the Rights of the Child to protection from abuse and neglect (WAG, 2008). The parents could also argue that they have the right to a private family life under Article 8 of the Human Rights Act 1998 but if they are subjecting their child to abuse or neglect then this right is over ridden. There are many uncertainties regarding risk in child protection (Adams, Dominelli and Payne). There may be no right or wrong decisions if it is approached correctly. However, there is always the possibility of a negative outcome which can be difficult for all involved and have serious implications for a child. It is difficult to make decisions where there is incomplete knowledge and uncertainty of a situation. The social worker must use their professional judgement to ensure they have taken as much care as possible to address risks with the information available (BASW, 2012, 2.3.4) In conclusion risk can be difficult to manage as it contains many areas of uncertainty. The negative factors should be identified early to prevent further risks occurring. The assessment must take into account all areas in a childs life to ensure a complete picture is gained and all risks are acknowledged. If the social worker has good communication skills then the quality of the information gained should be high and will enable them to make a more informed assessment. If the relevant information is not gathered then appropriate decisions may not be made. Several recommendations were made in the serious case review of Baby P. Supervision is important as it can ensure the quality of a social workers practice, provide other perspectives on relevant cases and potentially can improve outcomes for service users. Multi agency working is a requirement in social work. It must be utilised to gain a holistic view of the child and identify various services that can be put in place to manage ris ks. A service user still may not experience a positive outcome even though the most appropriate services are utilised to reduce and manage risks. If the social worker has carried out their duties correctly in accordance with legislation and policies, identified the risks and worked with others to manage those risks then they can be satisfied that they have done all they can and accept that not all outcomes will be positive.

Mexico :: essays research papers

PopulationThe Mexican population is divided into three main groups, the people of European descent, the Native Americans, and the people mixed with European and Native American descent or better known as Mestizos. Of these groups, the Mestizos are by far the Largest, making up about 60% of the people of Mexico. The Native Americans are the next largest with 30% and the Europeans the smallest with only 10%. The society is semi-industrial. The population of Mexico in the 1995 census was 93,670,000 giving the country an estimated person for about every 4 square miles. About 75% of people live in urban areas. Mexico consists of 32 administrative divisions, 31 states and the Federal District. The capital and cultural center of Mexico is Mexico City, with a population of 8,236,960 in 1990. Other important cities are Gaudalajara, population 1,628,617, Netzahaulcoyotl, population 1,256,115, Monterrey, population 1,064,197, Puebla, population 1,054,921, Leon, population 758,279, Cuidad Jaurez, population 798,499, and Tijuana.ClimateMexico is bisected by the tropic of Cancer; therefore, the Southern half is included in the Torrid Zone. In general, climate varies with elevation. The Tierra Caliante (hot land) includes the low coastal plains, extending from sea level to about 3000ft. Weather is extremely humid, with temperatures varying from 60-120 degrees. The Tierra Templata (temperature land) extends from about 3000-6000 ft. with average temperatures of 62-70 degrees. The Tierra Friar (cold land) extends from 6000-9000 ft. with average temperatures of 53-65 degrees. The rainy season lasts from May to October. Although sections of Southern Mexico receive about 40-60 in. of rain a year most other parts are much dryer. Rainfall averages less than 25 in. in the temperature lands about 18 in. in the cold land and less than 10 in. in the Semiarid North. Government: 1980-PresentDuring the 1980s Mexico pursued an assertive hemispheric policy. In 1982Miguel de la Madrid Hurtado was elected to succeed President Lopez Portillo. By the mid 1980's a rapid increase in foreign, coupled with falling oil prices, had plunged the country into severe financial straits. Amid reports of widespread irregularities, the PRI claimed victory in congressional elections in 1985. However in that same year the added burden of a devastating earthquake, which killed 7000 kept Mexico's financial systems desolate.Carlos Salinas De Gortari, the PRI candidate was elected president in 1988. Another thing that happened was Hurricane Gilbert devastated the Yucatan Peninsula and severely damaged the southern most parts of Texas.

Distribution Strategy Essay

Introduction The core of this presentation is to discuss the theory of distribution strategy with the underlying real life examples of McDonald’s fast-food restaurants in Australia. In other words, the aim is to discuss McDonald’s distribution channel, the way this fast-food restaurant gets its products to the market. Nonetheless, this presentation will demonstrate that McDonald’s distribution strategy is effective in many cultures. In the theory of marketing mix, place (distribution) determines where the product will be sold and how it will get there. In fact, McDonald’s is the leading global foodservice retailer, with more than 30,000 local restaurants serving nearly 46 million people each day in 121 different countries. Approximately 80 percent of all McDonald’s restaurants worldwide are owned and operated by independent franchisors. Furthermore, at the essence of place decisions, Kotler (et al., 2001, p. 513) claims that, â€Å"retailers, particularly image fast foods chains often state their seven P’s of marketing to be, that is location, location, location, location, location, location and location.† Hence, a retailer’s location is the key to attracting customers. The costs of the building or leasing facilities is a major factor on the retailer’s profits. Thus, site location decisions are among the most important the retailer make (Kotler, et al., 2001, p. 513). Intensive Distribution On the other hand, McDonald’s opened its first restaurant in Australia in December 1971. Today there are more than 690 restaurants throughout Australia and serving in excess of one million customers per day and employing over 55,000 staff. Therefore, you can find them everywhere in Australia, where some of the McDonald’s are open 24 hours per day which satisfy people’s needs and wants, especially for exists their hunger. This kind of distribution strategy is called â€Å"intensive distribution†, means marking the product available for sale through all possible channels of distribution. As defined by Kotler (et al., 2001, p. 487), â€Å"intensive distribution is stocking the product in as many outlets as possible.† In addition, this strategy must be designed to reach the consumer wants at  anytime and anywhere. Vertical marketing network (VMN) Furthermore, to quote Kotler (et al., 2001, p. 482), a franchise organization is â€Å"a contractual vertical marketing network in which a channel member called a franchisor links several stages in production-distribution process†. McDonald’s has adopted the service-firm-sponsored retailer franchise network, in which a service firm licenses a network of retailers to bring its service to consumers (Kotler, et al., 2001, p. 482). Nevertheless, McDonald’s caters to a large consumer market with varying tastes and thus cannot afford to introduce products without familiarizing itself with provincial preferences in food. For this reason, McDonald’s distributes its products in foreign locations with the help of franchisors who are well aware of what works in their country. Moreover, these franchisors also provide insight to the company on its diverse customers and helps McDonald’s achieve its vision of â€Å"being the world’s best quick service restaurant experience.† In brief, this is an extremely intelligent distribution method since it helps in providing people with the kind of products they desire, maintaining the franchise reputation worldwide. To encourage repeat customer visits, McDonald’s are intensifying the efforts to ensure the restaurant interiors and exteriors are clean and welcoming. Moreover, McDonald’s intends to regain the status as the gold standard for clean restaurants. Furthermore, McDonald’s are giving the business a fresh edge in many places by rebuilding, renovating and re-imaging the restaurants. The experiences in Australia demonstrate that doing such can result in improved sales and profitability. McDonald’s ensures consistent products by controlling every stage of the distribution. In addition, regional distribution centres purchase products and distribute them to individual restaurants. On the other hand, when designing its channels, a company needs to consider competitors’ channels. Yet, it may want to compete in or close to the same outlets that carry competitors’ products (Kotler, et al., 2001, p. 486). Thus, food companies  want their brands to be displayed next to competing brands. Meanwhile, McDonald’s adopted this setting channel objective as a view and therefore wants to locate near KFC. On the other hand, McDonald’s uses essentially the same competitive strategy in every country as be the first in a market and establish the brand as rapidly as possible by advertising very heavily. However, the strategy has helped McDonald’s develop a strong market share in the fast-food market around the world. Moreover, according to Kotler (et al., 2001, p. 513) store must have a planned atmosphere that suits the target market and moves customers to buy. In addition, McDonald’s determine the locations for reaching a widely spread population. Hence, McDonald’s are turning their stores into theatres that transport customers into unusual, exciting shopping environments that designed to meet the taste of target markets. For instance, McDonald’s Blacktown is one of McDonald’s Australia’s newest restaurants, it has create a locate playgrounds for children to enjoy. Conclusion In conclusion, McDonald’s improve the frequency of their deliveries, form relevant partnerships and implement alternate distribution strategies to effectively capture market and build international brand name based on hygienic, healthy, appetizing fast food consistently worldwide. Adopting market study and focusing on location of franchise, MacDonald’s ensures market niche for food product distribution is a definite success story. References ââ€" ª Kotler, P., Brown, K., Adam, S., & Armstrong, G., 2001, Marketing, 5th Edition, Pearson Education Australia, Frenchs Forest, NSW ââ€" ª http://www.mcdonalds.com

Shower Gel Marketing

Soap, Bath and Shower Products Issues in the Market The soap, bath and shower category straddles two worlds – at once it falls into the arena of must-have consumer goods, which consumers see as integral to their everyday wellbeing, while at the same time it has an opportunity to tap into a consumer desire for escapism and fantasy. Close to half of women who use bath additives, for instance, cite a long bath as their ultimate pampering treat. How many fast-moving consumer goods segments can claim to satisfy such lofty needs with such a low ticket price?The beauty industry often cites the resilience of the colour cosmetics category in times of crisis – otherwise known as the lipstick index. It is time for the beleaguered bath additives segment to do the same and position their products as a luxury indulgence at prices accessible to most. Q: How is the economic environment impacting sales of soap, bath and shower products? A: Value sales of SBS products grew in single digi ts between 2006 and 2011 (with the exception of 2010 when year-on-year growth was more or less flat). The category is buffered somewhat from he inclement economic climate because of the must-have nature of daily cleansing products. At the same time, consumers are clearly under pressure to keep a close eye on household budgets. A third of adults who use shower products are paying more attention to how much they spend on such items because of the economic situation and the same is true for four in ten bath product users and three in ten soap users. Looking ahead, Mintel forecasts the SBS category will grow by 11% between 2011 and 2016, while in real terms (excluding inflation) sales will slip very slightly.Q: Which segments have most potential for growth? A: There is a clear divide between two promising segments – liquid soaps and shower gels – and two less buoyant ones – bar soaps and bath additives. Mintel expects liquid soap and shower gel sales to grow by 28% and 17%, respectively, between 2011 and 2016, whereas we expect bath additives to slump by 4% and bar soaps by 15% in the same timeframe. The differing performances come down to consumer preference. Adults are much more inclined to use shower gels and creams over bath additives, for instance, likely because showering is uch more convenient and is a quicker option for today’s time-poor consumer. In addition, half of soap, bath and shower product users have switched to taking showers rather than baths in an effort to save water. Meanwhile, liquid soaps have an edge over the more traditional bar format with 89% of women using liquid soaps compared to 77% who use bar soap. While they potentially offer a cost saving over liquid varieties, Brid Costello Senior UK Beauty Analyst [email  protected] com Tel: +44 (0) 20 7606 4533 A self-confessed beauty junkie, Brid tracks the UK’s fast-moving beauty market.Before joining Mintel in 2010, she spent a decade as a beauty editor f or fashion and beauty trade newspaper Women’s Wear Daily. Based in the Conde Nastowned title’s Paris office for five years before transferring to its London bureau, Brid acquired expertise across the beauty spectrum. Brid studied Journalism at Dublin City University (DCU).  © 2012 Mintel Group Ltd. All rights reserved. Confidential to Mintel. Soap, Bath and Shower Products Issues in the Market bar soaps suffer from a somewhat old-fashioned image. With no sign of consumers’ habits changing in the hort term, there is unlikely to be any reversal of these sectors’ performance. A third of bath and shower product users buy whatever product is on special offer, while half stock up when their favourite brands are on special offer. Q: What are consumers’ primary concerns when it comes to buying soap, bath and shower products? A: While the basic premise of SBS products is to cleanse, such items now go above and beyond that call of duty. More than three qua rters of adults who use shower products, for instance, want their gels and creams to moisturise or soften their skin, while just over half are looking or an invigorating or refreshing showering experience. When it comes to bath additives, pampering and relaxing are the key concerns for two thirds of bath product users. Women are particularly keen on luxurious soaks, with just over half considering a long bath to be their favourite pampering treat. Soap, meanwhile, has a much more pragmatic bent. Close to half of liquid and bar soap users say that cheap or good value products are their top priority, while suitability for the whole family comes second. Q: Which consumer demographics are most important to the category and how will opulation changes impact sales going forward? A: Changes in the UK’s population make-up will impact the SBS sectors to differing extents between 2011 and 2016. Shower product and liquid soap sales will likely be buoyed, for instance, given that these s ectors’ highest volume users – adults aged 25-34 – will grow in number by 872,000 in the period. Population changes are less favourable for bath additives and will do little to bolster the category, which is already in the doldrums (sales dipped by 2% in 2011). In general, however, the country’s population will increase y more than 3% (or 1. 7 million) between 2011 and 2016. Given the high penetration rates of soap and shower products, this is some good news for the category in general. Q: What influence do promotions have on the market? A: The SBS category is highly promotional with multi-purchase offers and discounts top priorities for consumers. For instance, a third of bath and shower product users buy whatever product is on special offer, while half stock up when their favourite brands are on special offer. It is little surprise then that the multiple-door grocery hains dominate the retail landscape and account for close to half of category retail sa les. With large chains – such as Sainsbury’s, Tesco, Asda and Morrisons – frequently basing advertising on their commitment to low pricing and vying with each other to offer headline-grabbing discounts, it’s unlikely the situation will change anytime soon. This will continue to put pressure on the category vis-a-vis growing value sales as consumers have become accustomed to finding their preferred goods at preferential prices.  © 2012 Mintel Group Ltd. All rights reserved. Confidential to Mintel.

Theme of Araby by James Joyce

Theme of Araby by James Joyce Free Online Research Papers Araby, a short story by James Joyce, set before the turn of the century in Dublin, is not the story of any outward action but the story of the inner whirl of the mind. It represents the excited representations of Joyce as a young boy, to relish and cherish beauty that was deemed as an ideal by him. In the first portion of the story, his ideal was Mangans sister whom he saw from a distance and felt fascinated by the very sight. The author portrays his eager watching or for a slight view of her with an idealistic yearning and romantic sensibility. Of course, he was too young to realize then what love was, but he became somehow or other a slave, to the massive power of love, and waited eagerly for a little touch or communication with her. Of course, he talked with her at long last, promised her to bring a gift from Araby and eagerly waited for the time to accomplish his promise. By the side of this yearning, there was also another longing, his deep longing to go to Araby, the fete, which was a place of romance and beauty to him. He obtained his uncles permission after fixing a date for going to Araby. This vision of Araby seemed to dazzle before him and tempt him. He waited for the day of his visit and considered all his day-to-day occupations as unnecessary interruptions towards his goal of life. Indeed, Mangans sister and Araby gleemed before the boy as the Holy Grail of the Grail legend which had prompted the chivalrous knights in the Middle Ages to undertake perilous journeys. His young and undeveloped mind was equally fascinated and like the medieval knights, he waited and waited for that which he could never possess nor relish. This story indeed records the longing, the lingering, the waiting for the unattainable ideal of love and the insatiable expectations for the grandeur and beauty which ever alluring and never yielding. The experience of the boy at Araby is thoroughly disappointing. He went to the grand bazaar with many expectations but they were all illusions. Nor could appease his relish for the Great Oriental Grandeur over there neither could he fulfill his promise of bringing a gift for Mangans sister. His dreams were shattered. He left the place the place with utter anguish and anger. The theme of the story is the unholy union of the lifeless and dirty reality of metropolitan life with the romantic yearning of a young heart for all the things that draws yet deceives. Araby has a symbolic undertone that reveals mans frustration in his effort to attain his most cherished desires. The only universal fact of life is the anguish and frustration while searching for mans most cherished desires. Research Papers on Theme of "Araby" by James JoyceMind TravelThe Masque of the Red Death Room meaningsBook Review on The Autobiography of Malcolm X19 Century Society: A Deeply Divided EraThe Hockey GameHonest Iagos Truth through DeceptionHarry Potter and the Deathly Hallows EssayTrailblazing by Eric AndersonAnalysis Of A Cosmetics AdvertisementHip-Hop is Art

Free Essays on Individual Retirement Accounts

Many people often live their lives without considering how they plan to retire. People do not realize that the idea of living solely on the benefits of social security is not realistic. In order to secure a comfortable future, people must have some type of additional income. Sacrificing a small amount of money into an IRA at a relatively early age could make a considerable difference in the lives of people upon retirement. When planning for retirement, Individual Retirement Accounts offer several benefits; however, careful planning is essential to ensure that: upon retirement there is an adequate amount of money saved, that the heirs to the IRA are chosen carefully, and that unnecessary taxes and penalties are avoided. It is important to consider how much money will be needed for a comfortable retirement. Careful planning is essential when considering an item with such importance. Phaneuf states that, according to figures used by most financial planners, upon retirement the average person will need roughly seventy percent of their current income to continue living their present lifestyles (94). With only income from Social Security and money saved in bank accounts, most people are unable to achieve this goal. Furthermore, one must also consider, for a retirement account to be effective the account has to maintain interest rates above that of inflation. Inflation increases approximately four percent annually; and standard bank accounts barely beat this rate. In fact, at present, most savings accounts have an interest rate below four percent. Thus, regular savings accounts are not a practical method to save for retirement; however, IRA’s offer deferred taxes on the interest e ! arned until the money is withdrawn from the account. Therefore for a given amount of money, there is a considerable advantage when saving in an IRA. In order to qualify for an IRA one must make under $95,000 and if married under $150,000.... Free Essays on Individual Retirement Accounts Free Essays on Individual Retirement Accounts Many people often live their lives without considering how they plan to retire. People do not realize that the idea of living solely on the benefits of social security is not realistic. In order to secure a comfortable future, people must have some type of additional income. Sacrificing a small amount of money into an IRA at a relatively early age could make a considerable difference in the lives of people upon retirement. When planning for retirement, Individual Retirement Accounts offer several benefits; however, careful planning is essential to ensure that: upon retirement there is an adequate amount of money saved, that the heirs to the IRA are chosen carefully, and that unnecessary taxes and penalties are avoided. It is important to consider how much money will be needed for a comfortable retirement. Careful planning is essential when considering an item with such importance. Phaneuf states that, according to figures used by most financial planners, upon retirement the average person will need roughly seventy percent of their current income to continue living their present lifestyles (94). With only income from Social Security and money saved in bank accounts, most people are unable to achieve this goal. Furthermore, one must also consider, for a retirement account to be effective the account has to maintain interest rates above that of inflation. Inflation increases approximately four percent annually; and standard bank accounts barely beat this rate. In fact, at present, most savings accounts have an interest rate below four percent. Thus, regular savings accounts are not a practical method to save for retirement; however, IRA’s offer deferred taxes on the interest e ! arned until the money is withdrawn from the account. Therefore for a given amount of money, there is a considerable advantage when saving in an IRA. In order to qualify for an IRA one must make under $95,000 and if married under $150,000....