2012 Five-year Top Performing Direct Plans Q4

Savingforcollege.com ranks the performance of direct-sold 529 plans. Direct-sold plans are those that consumers can enroll in without using a broker. We have prepared both one-year, three-year, five-year and ten-year performance tables. To prepare this ranking, we compared a subset of portfolios from each 529 savings plan. We selected portfolios based on their mix of stocks, bonds and money market funds, which allows for an apples-to-apples comparison in seven asset-allocation categories. The lower the "percentile," the better the ranking. This ranking could be a useful tool for you when selecting which direct 529 plan might be right for you. Here are our 529 performance rankings as of December 31, 2012 for Direct-sold 529 plans. Five-year performance ranking (click here for one-year performance table and three-year performance table, and ten-year performance table): Rank State Plan Percentile 1 Nevada USAA 529 College Savings Plan 13.81 2 Utah Utah Educational Savings Plan (UESP) Trust 25.79 3 Florida Florida 529 Savings Plan 27.26 4 Kansas Schwab 529 College Savings Plan 30.91 5 Pennsylvania Pennsylvania 529 Investment Plan 31.43 6 New York New York's 529 College Savings Program -- Direct Plan 31.59 7 Michigan Michigan Education Savings Program 33.11 8 Alaska University of Alaska College Savings Plan 35.16 9 Ohio Ohio CollegeAdvantage 529 Savings Plan 35.40 10 Nevada The Vanguard 529 Savings Plan 35.61 11 Iowa College Savings Iowa 36.06 12 Alaska T. Rowe Price College Savings Plan 37.20 13 Colorado Direct Portfolio College Savings Plan 38.67 14 Oklahoma Oklahoma College Savings Plan 38.68 15 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 38.92 16 Maryland College Savings Plans of Maryland -- College Investment Plan 39.73 17 Connecticut Connecticut Higher Education Trust (CHET) 39.80 18 Louisiana START Saving Program 40.00 19 Hawaii Hawaii's College Savings Program 40.22 20 Arkansas GIFT College Investing Plan 40.75 21 Vermont Vermont Higher Education Investment Plan 42.35 22 Minnesota Minnesota College Savings Plan 42.88 23 South Dakota CollegeAccess 529 (Direct-sold) 43.09 24 Kentucky Kentucky Education Savings Plan Trust 43.17 25 Virginia Virginia529 inVEST 43.63 26 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 43.88 27 District of Columbia DC 529 College Savings Program (Direct-sold) 44.22 28 Kansas Learning Quest 529 Education Savings Program (Direct-sold) 44.74 29 West Virginia SMART529 Select 45.26 30 New Jersey NJBEST 529 College Savings Plan 46.63 31 North Dakota College SAVE 47.96 32 Idaho Idaho College Savings Program (IDeal) 48.54 33 Maine NextGen College Investing Plan -- Client Direct Series 52.68 34 Illinois Bright Start College Savings Program -- Direct-sold Plan 56.16 35 West Virginia SMART529 WV Direct 57.50 36 Rhode Island CollegeBoundfund (Direct-sold, Alternative RI) 62.43 37 Texas Texas College Savings Plan 64.32 38 Massachusetts U.Fund College Investing Plan 65.61 39 Delaware Delaware College Investment Plan 65.84 40 Arizona Fidelity Arizona College Savings Plan 66.02 41 New Hampshire UNIQUE College Investing Plan 66.05 42 New Mexico The Education Plan's College Savings Program (Direct-sold) 89.04 - Alabama College Counts 529 Fund (Direct-sold) NA - California The ScholarShare College Savings Plan NA - Georgia Path2College 529 Plan NA - Indiana CollegeChoice 529 Investment Plan (Direct-sold) NA - Mississippi Mississippi Affordable College Savings (MACS) Program NA - Montana Montana Family Education Savings Program Investment Plan NA - Nebraska Nebraska Education Savings Trust - Direct College Savings Plan NA - Nebraska TD Ameritrade 529 College Savings Plan NA - Nevada SSgA Upromise College Fund NA - North Carolina National College Savings Program NA - Oregon Oregon College Savings Plan NA - Tennessee TNStars College Savings 529 Program NA - Wisconsin Edvest College Savings Plan NA NA = Not Applicable = Program does not have at least one portfolio with sufficiently-long performance in a minimum of four asset allocation categories under our ranking model. The Savingforcollege.com plan composite rankings are derived using the plans' relevant portfolio performance in seven unique asset allocation categories. The asset-allocation categories used are: 100 percent equity, 80 percent equity, 60 percent equity, 40 percent equity, 20 percent equity, 100 percent fixed and 100 percent short term. The plan composite ranking is determined by the average of its percentile ranking in the seven categories. The performance data underlying these rankings represent past performance and are not a guarantee of future performance. Current performance may be lower or higher than the performance data used. A plan portfolio's investment return and principal value will fluctuate so that an investor's shares or units when redeemed may be worth more or less than their original cost. Investors should carefully consider plan investment goals, risks, charges and expenses by obtaining and reading the plan's official program description before investing. Investors should also consider whether their beneficiary's home state offers any tax or other benefits that are available for investments only in such state's 529 plan. Brokers, please note: For internal use only and not for use with or to be shown to the investing public. Disclaimer: Saving For College, LLC shall not be liable for any errors or omissions in this report. Users should rely on official program disclosures. For broker-sold plan rankings, click here. Savingforcollege.com ranks the performance of direct-sold 529 plans. Direct-sold plans are those that consumers can enroll in without using a broker. We have prepared both one-year, three-year, five-year and ten-year performance tables. To prepare this ranking, we compared a subset of portfolios from each 529 savings plan. We selected portfolios based on their mix of stocks, bonds and money market funds, which allows for an apples-to-apples comparison in seven asset-allocation categories. The lower the "percentile," the better the ranking. This ranking could be a useful tool for you when selecting which direct 529 plan might be right for you. Here are our 529 performance rankings as of December 31, 2012 for Direct-sold 529 plans. Five-year performance ranking (click here for one-year performance table and three-year performance table, and ten-year performance table): Rank State Plan Percentile 1 Nevada USAA 529 College Savings Plan 13.81 2 Utah Utah Educational Savings Plan (UESP) Trust 25.79 3 Florida Florida 529 Savings Plan 27.26 4 Kansas Schwab 529 College Savings Plan 30.91 5 Pennsylvania Pennsylvania 529 Investment Plan 31.43 6 New York New York's 529 College Savings Program -- Direct Plan 31.59 7 Michigan Michigan Education Savings Program 33.11 8 Alaska University of Alaska College Savings Plan 35.16 9 Ohio Ohio CollegeAdvantage 529 Savings Plan 35.40 10 Nevada The Vanguard 529 Savings Plan 35.61 11 Iowa College Savings Iowa 36.06 12 Alaska T. Rowe Price College Savings Plan 37.20 13 Colorado Direct Portfolio College Savings Plan 38.67 14 Oklahoma Oklahoma College Savings Plan 38.68 15 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 38.92 16 Maryland College Savings Plans of Maryland -- College Investment Plan 39.73 17 Connecticut Connecticut Higher Education Trust (CHET) 39.80 18 Louisiana START Saving Program 40.00 19 Hawaii Hawaii's College Savings Program 40.22 20 Arkansas GIFT College Investing Plan 40.75 21 Vermont Vermont Higher Education Investment Plan 42.35 22 Minnesota Minnesota College Savings Plan 42.88 23 South Dakota CollegeAccess 529 (Direct-sold) 43.09 24 Kentucky Kentucky Education Savings Plan Trust 43.17 25 Virginia Virginia529 inVEST 43.63 26 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 43.88 27 District of Columbia DC 529 College Savings Program (Direct-sold) 44.22 28 Kansas Learning Quest 529 Education Savings Program (Direct-sold) 44.74 29 West Virginia SMART529 Select 45.26 30 New Jersey NJBEST 529 College Savings Plan 46.63 31 North Dakota College SAVE 47.96 32 Idaho Idaho College Savings Program (IDeal) 48.54 33 Maine NextGen College Investing Plan -- Client Direct Series 52.68 34 Illinois Bright Start College Savings Program -- Direct-sold Plan 56.16 35 West Virginia SMART529 WV Direct 57.50 36 Rhode Island CollegeBoundfund (Direct-sold, Alternative RI) 62.43 37 Texas Texas College Savings Plan 64.32 38 Massachusetts U.Fund College Investing Plan 65.61 39 Delaware Delaware College Investment Plan 65.84 40 Arizona Fidelity Arizona College Savings Plan 66.02 41 New Hampshire UNIQUE College Investing Plan 66.05 42 New Mexico The Education Plan's College Savings Program (Direct-sold) 89.04 - Alabama College Counts 529 Fund (Direct-sold) NA - California The ScholarShare College Savings Plan NA - Georgia Path2College 529 Plan NA - Indiana CollegeChoice 529 Investment Plan (Direct-sold) NA - Mississippi Mississippi Affordable College Savings (MACS) Program NA - Montana Montana Family Education Savings Program Investment Plan NA - Nebraska Nebraska Education Savings Trust - Direct College Savings Plan NA - Nebraska TD Ameritrade 529 College Savings Plan NA - Nevada SSgA Upromise College Fund NA - North Carolina National College Savings Program NA - Oregon Oregon College Savings Plan NA - Tennessee TNStars College Savings 529 Program NA - Wisconsin Edvest College Savings Plan NA NA = Not Applicable = Program does not have at least one portfolio with sufficiently-long performance in a minimum of four asset allocation categories under our ranking model. The Savingforcollege.com plan composite rankings are derived using the plans' relevant portfolio performance in seven unique asset allocation categories. The asset-allocation categories used are: 100 percent equity, 80 percent equity, 60 percent equity, 40 percent equity, 20 percent equity, 100 percent fixed and 100 percent short term. The plan composite ranking is determined by the average of its percentile ranking in the seven categories. The performance data underlying these rankings represent past performance and are not a guarantee of future performance. Current performance may be lower or higher than the performance data used. A plan portfolio's investment return and principal value will fluctuate so that an investor's shares or units when redeemed may be worth more or less than their original cost. Investors should carefully consider plan investment goals, risks, charges and expenses by obtaining and reading the plan's official program description before investing. Investors should also consider whether their beneficiary's home state offers any tax or other benefits that are available for investments only in such state's 529 plan. Brokers, please note: For internal use only and not for use with or to be shown to the investing public. Disclaimer: Saving For College, LLC shall not be liable for any errors or omissions in this report. Users should rely on official program disclosures. For broker-sold plan rankings, click here.

Essay Writing Topics For Class - How to Choose Your Essay Writing Topics

<h1>Essay Writing Topics For Class - How to Choose Your Essay Writing Topics</h1><p>In my experience, the best exposition composing points for class are found, all things considered, situations that we would all be able to identify with. Theories could be close to home understanding, encounters that we had or would have, or all around situations. The fact of the matter is, they will get your thought out there and will ideally compel you to carry your own thoughts into the discussion.</p><p></p><p>One approach to do this is to look at an internet learning program. A large number of these projects permit you to step through online examinations for subjects that you have to improve on. Another alternative is to simply review a free online test for yourself. Or then again, surprisingly better, discover a book that has a paper composing point or numerous decision question for each subject you can think of.</p><p></p><p>This will give you the training that you need before you begin on composing your article. You can utilize these techniques as a component of your guide or as one of your sections in your book, thus you won't feel so rushed.</p><p></p><p>A great approach to conceptualize and furthermore keep things new is to do a Google search on your theme. Quest for comparable subjects and exercises that you can discover and explore on them. On the off chance that you find that you think of numerous thoughts that sound fascinating, you might need to compose a short article on that subject.</p><p></p><p>Now you have to begin reviewing your paper. Once more, I suggest a book or an online asset to get you out. You may likewise need to look at some great example articles online that can help you too. In the event that you do it along these lines, you can get some assistance with the structure of your article, you can likewise check with another person on the test and figure out how to set up your answers, and you may even build up a book of your own.</p><p></p><p>You will have some extremely good thoughts that you can execute into your paper. Attempt to place it in the request for your preferred films, books, occasions or even thoughts you experience all through your life.</p><p></p><p>Or, you may even think of an extraordinary thought and offer it with others. Good karma and upbeat writing!</p>

Best Topic for Research Paper Reviews Guide

Best Topic for Research Paper Reviews Guide Obesity is to a great extent a direct result of poor dietary patterns with the goal that you can do an examination paper on the healthy eating options for kids. You can focus on the impacts of the following points on the nature and improvement of a child, grown-up or old. On the off chance that you despite everything have issues with theme choice, don't stop for a second to demand help at GradeMiners. You should consider issues in your one of a kind subject matter you need to find arrangements. Best Topic for Research Paper Help! On the other side, you may compose from a worldwide point of view and inspect economical urban communities all through the world. Obviously, settling on the best possible point for your exploration paper is the underlying and most significant advance on the most ideal approach to composing the paper itself. In case you're expounding on social issues, you will commonly be expounding on the manner in which the subjec t influences bigger gatherings of individuals, similar to how neediness influences an entire age. By doing this you're in a situation to illuminate how perusers can show up at the understanding of an examination theme. Continue perusing to become familiar with a few points that you can consider. In the methodology for composing research articles, it's basic to hold fast to a particular theme. On the contrary edge, the exploration paper point ought to be one which your perusers will find simple to appreciate. The Lost Secret of Best Topic for Research Paper So, you've understood that you're good to go to form your exploration paper. An exploration paper should be exact and dependent on demonstrated realities. An amazing exploration paper involves itemized information regarding your matter of decision. The more you appreciate the more straightforward it's for you to form a flourishing examination paper. Perfect research paper point is one which can be supported up with adequate proof. While choosing your exploration paper point, you should make certain it is neither exhausting nor exhausted. Best school look into paper themes are those which are unique. Picking a theme for an examination paper isn't simple in any regard. Falsehoods You've Been Told About Best Topic for Research Paper You need to uncover the perusers that you ace of the subject and not a confounded novice who doesn't comprehend what the individual alluding to. Presently you have an idea about what a proposition paper is and the best approach to choose the suitable point to create your own article, here are a couple of instances of proposition exposition themes. On the off chance that you select a subject that is excessively expansive, you will end up composing only a general review without an inside and out understanding. Before you begin composing a solitary expression of your paper, you first should comprehend what your theory will be. Educational program proposition themes is a way to attempt. Innovation is conceivably the most prestigious theme to talk about today. Best Topic for Research Paper Ideas An incredible strategy to consider novel and outstanding thought is to scout web or become familiar with the most sultry point in the news. You need to get a subject that has bunches of accessible material for you to utilize. In the event that you select the wrong subject, you may stall out with your composition and make some intense memories pushing ahead. Regardless of whether a specific research paper theme is getting a lot of buzz right now or others appear to be keen on expounding on it, don't feel enticed to make it your subject on the off chance that you don't truly have some sort of enthusiasm for it too. Best Topic for Research Paper and Best Topic for Research Paper - The Perfect Combination Thus, it's consistently essential to acquire a subject that intrigues you. In case you're keen on your subject, finding out about it will be progressively pleasurable and you'll compose with expanded enthusiasm, so select your theme astutely. On the off chance that the point is excessively restricted, you may think that its hard to find the proper writing. So pick the subject that you're energetic about, and do it! Best Topic for Research Paper - the Story Locating a decent point is only one of the most basic advances when composing any sort of paper. You're ready to start thinking how you'll build up a proposition proclamation for the paper to hold up your theme. Without an appropriate substance, not too bad research paper themes won't bode well. Underneath you'll discover a rundown of general subject thoughts that it is conceivable to limit to fit the specific requests of your examination paper's parameters. In the occasion you're not required to take a shot at the unmistakable topic, you have to do what you can to find a convincing one without anyone else. Without questio n, it would be much easier that you get familiar with the subject that is identified with the zone of your advantage. So you should downsize to ensure that you will be in a situation to play out an exploration inside a constrained timespan. Basically, it interfaces your proof to your main contention.

Use a Last-Week Management Term Paper Or Last-Minute Paper

<h1>Use a Last-Week Management Term Paper Or Last-Minute Paper</h1><p>A the board research paper ought to remember the plans of your arrangements to prevail for the work environment. You can design your business so that you can accomplish your fantasies and objectives. Simply remember that you have to keep on target with your arrangement as you are giving it your best effort.</p><p></p><p>It is a smart thought to begin in the beginning periods and the specific structure of the paper will rely upon your arrangements. For the most part, research projects for chiefs are generally introduced in two configurations a minute ago or a week ago. The two organizations are utilized by individuals in various capacities.</p><p></p><p>For the very late configuration, this is the sort that can make you comply with a time constraint for your cutoff time or it can likewise be one that can decide your timetable for the rest of the week. The two kinds of a minute ago administration research project will likewise shift from individual to individual.</p><p></p><p>For the most recent week group, the fundamental prerequisite for this sort of the board research project is that you would have the option to give your subordinates or collaborators the time expected to get ready for the different exercises that you have for the week. This will assist you with having the option to plan for the essential errand assignments so you can proceed with your present place of employment at the equivalent time.</p><p></p><p>You can likewise utilize this sort of the executives research project in the event that you need to keep a tight timetable so as to stay away from movement costs. You can give every one of your directions to your subordinates and you will have the option to finish your task on time.</p><p></p><p>The other kind of research project will come as t he most recent week the executives research project. You will as a rule give your situation at your firm, yet you will likewise need to incorporate what your arrangement to work for what's to come is as far as close to home just as expert growth.</p><p></p><p>You can likewise utilize these two configurations to show your arrangement of the accomplishment of your marketable strategy. For the individuals who need to deal with an enormous business or an online store, you can choose the most recent week group for your papers.</p>

Good Topics Research Paper

<h1>Good Topics Research Paper</h1><p>If you have a thought for an examination paper, at that point you can exploit great subjects inquire about paper Philippines for study. Doing the examination as of now will permit you to get ready for your paper.</p><p></p><p>The Philippines is perhaps the best spot on the planet to do inquire about in light of the fact that it has been a focal point of learning since the most punctual of times. From that point forward, there have been investigating about the historical backdrop of the Philippines from the old occasions to the present and even in the provincial occasions as well.</p><p></p><p>In actuality, it isn't just the rich history that makes the Philippines a decent subject of study for understudies. The Philippines is otherwise called one of the most all around created nations in Asia except for Japan.</p><p></p><p>One of the most ideal approaches to begin your exploration is to take up the Philippines' experience ever. You should above all else find out about the start of the nation. You can do this by going on the web and visiting the sites of the Philippine government and recorded sites.</p><p></p><p>When you visit these locales, you will be allowed to study the nation, history, culture, language, and so on. These destinations are what you have to peruse when you need to do an examination about the Philippines.</p><p></p><p>A beneficial thing about the Philippines is that it has been around for quite a long time and is being grown continually. That is the reason you will never be exhausted when you are doing your exploration and regardless of whether you have no clue about specific points, you can simply sign on to the World Wide Web and locate a decent subject to research.</p><p></p><p>Another significant thing is that you ought not stress over the time it takes for your examination. The administration offers free periodical distribution for points about the Philippines with the goal that you can get the news that is generally fascinating to you.</p>

Cell Phone Radiation Essay - 1012 Words

Purpose: My purpose is to provide information on cell phone radiation, the risks that can be caused by cell phone radiation, and the potential health problems that could result from this. Details of the topic: I am going to talk about the arguments about how cell phone radiation can affect our lives and whether these arguments are accurate or not. Cell phone radiation is a type of electromagnetic radiation that has the ability to cause health issues. The radiation from this device can cause serious brain tumours, according to one study by Anna Lahkola of the Radiation and Nuclear Safety Authority in Finland, which found that people who use their cell phone for more than 2000 hours have a higher chance of getting a brain tumour. The†¦show more content†¦Cell phones/smart phones would be in the non-ionizing category because they use a low to mid frequency. In this diagram you can see the frequency for cell phones/smart phones is in the range from 0 to 10 ¹Ã‚ º in hertz (Hz). Furthermore the group also mentioned that, even though the frequency for non-ionizing radiation is less dangerous, it is still possible to have side effects that may affect to our personal lives. There was a c lass where at the end we had a very brief discussion about radiation from electronics and the topic of cell phones/smart phones was brought up by few students when they were asked about their opinion or personal experience. Some side effects they mentioned from using their cell phones/smart phones constantly were having problems falling asleep along with minor headaches. Reflection: This voluntary assignment helps me because it provides some very interesting facts and debates about the side effects of cell phone/smart phone radiation. In this course we have covered many different kinds of radiation, but we have not talked a lot about the radiation from technology. We presume this kind of radiation is too low to have serious effects on us. However, I remember that I actually had some problems when I used my IPhone (smart phone) two years ago. For instance, I started out with a headache that turned into a very seriousShow MoreRelatedThe Impact of Cell Phone Radiation on Our Health3234 Words   |  13 Pages Cell phones represent a type of technology that has been around for more than over fifty years; it has only been recently that many people began to use cell phones as a major part of their everyday life. In the past cell phones were for business people to conduct their business, but in today’s society every one owns a cell phone. Cell phones are interesting, useful and also play a major role in our life’s bringing people closer and keeping in touch with one another. Most people do not know and understandRead MoreCell Phone Radiation And Its Effect1257 Words   |  6 Pagesaware of cell phone radiation and its effect, but when it comes to smartphones, people seem to forget all about the radiation. 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Professor Arendash, started this study by noticing that the students in the hallway of the university had cell phones plastered to their ears. He set up the experiment with lab mice, beaming electromagnetic signals at them two hours a day, for eight months, this is the equivalent to daily phone use for 25 to 30 years for humans. The resultsRead MoreHow Cell Phones Can Harm Children921 Words   |  4 PagesHow Cell Phones Can Harm Children As of 2013, cell phones rank number one for causes of car accidents, yet it seems almost impossible to go anywhere without seeing a cell phone in a person’s hand or attached to their ear (â€Å"Two-thirds of Adults Use a Cell Phone†). In the past thirty years, cell phones have started to pop up everywhere and have increased tremendously in popularity since. Worldwide, almost five million cell phones are in use today (â€Å"Cell Phone Use Linked†). 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Over the past few years there has been concern about our health when it comes to cell phones. Some people say that cell phones are dangerous because there is harmful radiation coming from them. Others say that cell phones are safe. However, cell phones emit 900-1800 MHz radiofrequency electromagnetic fields during calls which effects the protein structures in mice and humans (Eid 573). Therefore, cell phones can be dangerous to humans. Most

Classification Essay Samples - Finding Reliable Free Paper Work

<h1>Classification Essay Samples - Finding Reliable Free Paper Work</h1><p>Many secondary school understudies frequently get confounded with regards to composing papers or any sort of normalized papers. They simply don't have a clue where to begin with the task and subsequently they settle on getting some task expositions tests from any paper classifieds, promotions in papers etc.</p><p></p><p>Well there is no utilization for taking any ad in papers except if you are keen on composing an alternate desk work. The extraordinary thing about composing tests is that you can utilize them at home without much difficulty.</p><p></p><p>You ought to be mindful in picking the paper tests as they couldn't give you the necessary quality for your article. It is likewise essential to make your exposition alluring and interesting.</p><p></p><p>Essay authors consistently have an inclination that the nature of th e composed paper is subject to the example gave. On the off chance that you don't have this individual responsibility and are simply looking for a modest method to begin, at that point the paper classifieds would be a decent source. Be that as it may, on the off chance that you truly need to have any kind of effect in your article, at that point you ought to be exceptionally specific about the sorts of subjects you decide for the paper and you ought to be sure that the composing test is fitting for the topic.</p><p></p><p>A part of understudies are of the conclusion that the example picked isn't applicable to their particular theme and henceforth they wind up composing something like 'Long and Childless Marriage.' This happens on the grounds that they don't have the foggiest idea what they are discussing and subsequently they get confused.</p><p></p><p>A parcel of understudies think that its simpler to compose expositions by utilizing the book they read yet as a general rule this isn't extremely viable. The whole motivation behind utilizing the book is to get a thought of the point. The subject is critical and thus you ought to invest a great deal of energy and exertion before choosing the exposition samples.</p><p></p><p>It is genuine that there are numerous sources that offer these paper tests for nothing however actually the vast majority of them are only not sufficient. On the off chance that you need to compose an excellent article, at that point you ought to be cautious about the source.</p><p></p><p>It isn't that hard to choose the task exposition tests. Notwithstanding, you ought to consistently search for them with a great deal of care and sensitivity.</p>

An Analytical Literary Analysis by Tobias Wolff For A Literary Analysis Essay by Tobias Wolff

<h1>An Analytical Literary Analysis by Tobias Wolff For A Literary Analysis Essay by Tobias Wolff</h1><p>This article is an expository paper by Tobias Wolff for a scholarly investigation exposition. The article is an investigation of Tolstoy's 'Anna Karenina' by Anna Karenina by Leo Tolstoy. This paper examines Tolstoy's tale and takes it to its obvious end result - an otherworldly reaction to the ethical subjects in the novel.</p><p></p><p>A book is supposed to be an intriguing book on account of the inquiries that it pose or that it answers. What's more, I can think about no better method to address the topic of what is a book than to do an artistic investigation of the novel.</p><p></p><p>For the individuals who are new to this composing style, the style will most likely be genuinely evident to you. For the individuals who know about this composing style, this article will layout a portion of the center purposes of Wolff's essay.</p><p></p><p>Wolff utilizes a non-direct viewpoint to come to his meaningful conclusion, which is generally extraordinary among writers who utilize this composing style. Wolff investigates the good and magical topics in the novel and finds in them a supernatural structure that fits well into an exposition format.</p><p></p><p>In terms of structure, the composing style is for the most part straight. The thought is in any case the human spirit and afterward proceed onward to moral topics. The good and mystical topics in Tolstoy's tale are rarely completely grown, yet Wolff takes them in and afterward goes through them, posing inquiries about each one.</p><p></p><p>There is a postulation proclamation toward the start of the exposition, trailed by a few sections to four-line inquiries regarding San-trio, Anna Karenina, and Tolstoy. The proposition proclamation is very clear in this paper and starts wi th a statement this is a diagnostic exposition. I accept that Wolff would venture to such an extreme as to state this is one of the most 'explanatory' expositions he has ever written.</p><p></p><p>The moral subjects that Wolff takes to the end depend on the topic of opportunity and religion, the two of which he accepts are key to Tolstoy's composing style. The opportunity and strict subjects are additionally enveloped with another topic, to be specific the integrity of human nature.</p><p></p><p>The extreme finish of the exposition is that Tolstoy gives an exceptionally intriguing perusing experience as a result of the inquiries that the novel raises and replies. Toward the finish of the exposition, Wolff accomplishes something that is practically one of a kind to Tolstoy: he causes the peruser to approach questions and put forth the defense for his/her own contentions. It is an intriguing (and exceptional) approach to make a peruser c onsider a specific book.</p>

Red Barons Kills

Flying ace Manfred von Richthofen, more commonly known as the  Red Baron,  was not only one of the best pilots of World War I:  he has become an icon of the war itself. Credited with shooting down 80 enemy aircraft, the Red Baron owned the skies. His bright red airplane (a very unusual and ostentatious color for a fighting plane) brought both respect and fear. To the Germans, Richthofen was known as the Red Battle Flier and his exploits brought the German people courage as well as increased morale during the bloody years of the war. Although the Red Baron survived for much longer than most fighter pilots during World War I, he eventually met their same fate. On April 21, 1918, the day after his 80th kill, the Red Baron once again got into his red airplane and went searching for the enemy. Unfortunately, this time, it was the Red Baron who was shot down. Below is a list of the Red Barons kills. Some of these aircraft  held one and others held two people. Not all of the crew members were killed when their airplanes crashed. No. Date Type of Aircraft Location 1 Sept. 17, 1916 FE 2b near Cambrai 2 Sept. 23, 1916 Martinsyde G 100 Somme River 3 Sept. 30, 1916 FE 2b Fremicourt 4 Oct. 7, 1916 BE 12 Equancourt 5 Oct. 10, 1916 BE 12 Ypres 6 Oct. 16, 1916 BE 12 near Ypres 7 Nov. 3, 1916 FE 2b Loupart Wood 8 Nov. 9, 1916 Be 2c Beugny 9 Nov. 20, 1916 BE 12 Geudecourt 10 Nov. 20, 1916 FE 2b Geudecourt 11 Nov. 23, 1916 DH 2 Bapaume 12 Dec. 11, 1916 DH 2 Mercatel 13 Dec. 20, 1916 DH 2 Moncy-le-Preux 14 Dec. 20, 1916 FE 2b Moreuil 15 Dec. 27, 1916 FE 2b Ficheux 16 Jan. 4, 1917 Sopwith Pup Metz-en-Coutre 17 Jan. 23, 1917 FE 8 Lens 18 Jan. 24, 1917 FE 2b Vitry 19 Feb. 1, 1917 BE 2e Thelus 20 Feb. 14, 1917 BE 2d Loos 21 Feb. 14, 1917 BE 2d Mazingarbe 22 Mar. 4, 1917 Sopwith 1 1/2 Strutter Acheville 23 Mar. 4, 1917 BE 2d Loos 24 Mar. 3, 1917 BE 2c Souchez 25 Mar. 9, 1917 DH 2 Bailleul 26 Mar. 11, 1917 BE 2d Vimy 27 Mar. 17, 1917 FE 2b Oppy 28 Mar. 17, 1917 BE 2c Vimy 29 Mar. 21, 1917 BE 2c La Neuville 30 Mar. 24, 1917 Spad VII Givenchy 31 Mar. 25, 1917 Nieuport 17 Tilloy 32 April 2, 1917 BE 2d Farbus 33 April 2, 1917 Sopwith 1 1/2 Strutter Givenchy 34 April 3, 1917 FE 2d Lens 35 April 5, 1917 Bristol Fighter F 2a Lembras 36 April 5, 1917 Bristol Fighter F 2a Quincy 37 April 7, 1917 Nieuport 17 Mercatel 38 April 8, 1917 Sopwith 1 1/2 Strutter Farbus 39 April 8, 1917 BE 2e Vimy 40 April 11, 1917 BE 2c Willerval 41 April 13, 1917 RE 8 Vitry 42 April 13, 1917 FE 2b Monchy 43 April 13, 1917 FE 2b Henin 44 April 14, 1917 Nieuport 17 Bois Bernard 45 April 16, 1917 BE 2c Bailleul 46 April 22, 1917 FE 2b Lagnicourt 47 April 23, 1917 BE 2e Mericourt 48 April 28, 1917 BE 2e Pelves 49 April 29, 1917 Spad VII Lecluse 50 April 29, 1917 FE 2b Inchy 51 April 29, 1917 BE 2d Roeux 52 April 29, 1917 Nieuport 17 Billy-Montigny 53 June 18, 1917 RE 8 Strugwe 54 June 23, 1917 Spad VII Ypres 55 June 26, 1917 RE 8 Keilbergmelen 56 June 25, 1917 RE 8 Le Bizet 57 July 2, 1917 RE 8 Deulemont 58 Aug. 16, 1917 Nieuport 17 Houthulster Wald 59 Aug. 26, 1917 Spad VII Poelcapelle 60 Sept. 2, 1917 RE 8 Zonebeke 61 Sept. 3, 1917 Sopwith Pup Bousbecque 62 Nov. 23, 1917 DH 5 Bourlon Wood 63 Nov. 30, 1917 SE 5a Moevres 64 Mar. 12, 1918 Bristol Fighter F 2b Nauroy 65 Mar. 13, 1918 Sopwith Camel Gonnelieu 66 Mar. 18, 1918 Sopwith Camel Andigny 67 Mar. 24, 1918 SE 5a Combles 68 Mar. 25, 1918 Sopwith Camel Contalmaison 69 Mar. 26, 1918 Sopwith Camel Contalmaison 70 Mar. 26, 1918 RE 8 Albert 71 Mar. 27, 1918 Sopwith Camel Aveluy 72 Mar. 27, 1918 Bristol Fighter F 2b Foucacourt 73 Mar. 27, 1918 Bristol Fighter F 2b Chuignolles 74 Mar. 28, 1918 Armstrong Whitworth FK 8 Mericourt 75 April 2, 1918 FE 8 Moreuil 76 April 6, 1918 Sopwith Camel Villers-Bretonneux 77 April 7, 1918 SE 5a Hangard 78 April 7, 1918 Spad VII Villers-Bretonneux 79 April 20, 1918 Sopwith Camel Bois-de-Hamel 80 April 20, 1918 Sopwith Camel Villers-Bretonneux

Writing a Research Question Paper - Basic Guide

Writing a Research Question Paper - Basic GuideThe first step in writing a research question paper is to choose a topic. The goal of the writing project is to solve the problem which may exist in the various areas of life. It is the duty of the researcher to make a relevant research study and test the overall condition to verify the facts.First and foremost, the main reason for the essay sample preparation is to make it easier for the researcher. It should be written in such a way that it can be easily understood by the readers. Here are some pointers on how to write a research question paper.Start with researching your research topics and make a selection from among the related research questions. Choose the one which you feel will have the most relevance and importance in the end. The essay topic must relate to the main theme and question which are the focus of the entire project.The next step is to create a draft of the research papers. Try to be concise and maintain the simplicit y and legibility of the writing. Make sure that you spend enough time reviewing and improving the research paper.Once you are satisfied with the research papers, start editing them. It is best to have someone edit your paper as you might forget something important or could have put in an unnecessary word. This is what editors would check.Apart from this, it is also important to read your research paper and see if it contains any grammatical mistakes. This happens when you use common words instead of technical ones. Another method of checking the grammatical errors is to read the word list of the paper before checking the sentence structure and sentence content.Now that you have finished all the initial preparation work for writing a research question paper, the main purpose of the essay sample is to gain some knowledge and increase your knowledge base. If you need some help with this aspect, the internet is a good source for information. There are plenty of websites that provide ans wers to many of the common research questions asked by students. You can also ask your professors to help you with it.The main aim of this project is to improve your knowledge base by writing a research question paper. You can now get hold of your essay sample in the internet and start writing it.

Important Psychology Topics For Research Paper

<h1>Important Psychology Topics For Research Paper</h1><p>The diverse Psychology Topics for Research Paper subjects that you should know are broadly utilized. Obviously, there are the reality and topic themes that are similarly significant, yet the subject of the paper will decide its quality. Moreover, you should incorporate the various parts of the theme too, for example, test distributions or undertakings, to perceive what will be expected.</p><p></p><p>Generally, the points will be contained in early on brain science. A large portion of the points will be identified with the educational plan of the school and understudies are required to take them. Since you will get numerous requests from your understudy customers, these can be accessible available to you for your thought. Obviously, so as to discover the best ones, you need to do explore. Not just this, it is likewise important to assess them dependent on your own school's programs.< /p><p></p><p>It is additionally suggested that you discover however many subjects as could be expected under the circumstances to cover all the territories of brain science. One of the other best subjects to learn would be brain science subjects for look into. This will permit you to grow your points of view and to go after research positions. The absolute most regular brain science subjects for inquire about paper themes would learn brain research, learning brain science points and brain science explore. You will find that they are for the most part valuable and are now taken.</p><p></p><p>It is additionally imperative to understand that you should take the course materials on the web or as a digital book arrangement to contemplate. There are additionally numerous physical books that you can use as course books, yet a large number of these could be excessively costly and are a bit much. Additionally, a few people feel that contemplating these courses would take a ton of time, however this isn't true.</p><p></p><p>You need to ensure that you have a decent web destinations where you can search for these courses. Along these lines, you would have the option to spare time, and you would be bound to discover great outcomes. You could look at different sites where you could get this course material, or you could look at a physical book shop to discover progressively about this sort of course.</p><p></p><p>There are additionally a lot of spots where you can take the Psychology Subjects for Research Paper with downloadable PDF's and digital books. Now and again, the web permits you to get the primary part free, or you could even get a few limits for buying them in huge quantities.</p><p></p><p>The brain science subjects for investigate paper ought to be paid attention to. In the event that you are not concentrating in a conventional brain research clas s, at that point this will assist you with getting familiar with the subject. Obviously, you will in any case need to do a decent measure of research and get a smart thought about it before you can go after a position in this field.</p>

How to Find a Very Good Essay Sample

<h1>How to Find a Very Good Essay Sample</h1><p>A understudy searching for a generally excellent exposition tests ought not commit any error in the determination of the papers. It isn't at no different as what the secondary school understudies use to do during their early stages of studying.</p><p></p><p>There are two things that are significant piece of the procedure. As a matter of first importance, you need to peruse the article and check whether the peruser will have the option to make sense of what it is about. This is really one of the most significant viewpoints that can represent the moment of truth the essay.</p><p></p><p>Second thing, you should comprehend the subject of the paper before you examine it with the peruser. By understanding the theme, you will have the option to compose your article with more certainty. What's more, in the event that you do this, the excellent paper tests will be there.</p> <p></p><p>As I referenced prior, you can discover numerous awesome article tests on the web. Some of them depend on acclaimed creators and some of them depend on notable individuals in various fields. In any case, the best sort of these expositions is by following a portion of the tips and systems that I have imparted to you here.</p><p></p><p>There are numerous sites accessible where understudies can learn and concentrate all alone. Be that as it may, as an understudy, you have to guarantee that the site is helpful to you and furthermore that it is pertinent to the subject that you are managing. This implies you should focus on the sentence structure and the structure of the paper. This is significant in light of the fact that it is the establishment of the entire essay.</p><p></p><p>Another significant part of picking the excellent article tests is that you ought to consistently recall that great composing requires a ton of training. What you need to do is to figure out how to compose an article the correct way and this will likewise assist you with having certainty when you are composing. So it is enthusiastically suggested that you should work on writing in your extra time.</p><p></p><p>Another significant viewpoint is that you ought to consistently attempt to work as indicated by the topics that are set by the educators. The topic may change from subject to subject. This implies it isn't vital for you to chip away at an alternate theme each day.</p><p></p><p>In expansion, whenever you see the task for the day you will be searching for an assortment of subjects. A portion of the points might be associated with your school subjects, while others might be founded on recent developments. At the point when you do this, it will assist you with building your believability and furthermore to make the understudies trust you as a teacher.</p>

How to Study Online

<h1>How to Study Online</h1><p>Do you know what sort of research papers that are an absolute necessity have in your course? You will be stunned to realize that there are a lot of magnificent papers accessible for you to have the option to study.</p><p></p><p>The web is loaded with data accessible and one can use the web to concentrate on subjects which are intriguing as well as straightforward. This implies you can without much of a stretch gain admittance to the great quality and advantageous papers which are open as well as simultaneously go under your expense. You can begin in following ways.</p><p></p><p>Firstly, you can search for sites that are only for tutoring research papers. Such destinations give access to several paper locales which are an unquestionable requirement have in a course. These locales come at sensible costs and you will have the option to pick a couple. To ensure that you pick the best for your course, you should peruse the papers cautiously and make a rundown that are generally pertinent to your course.</p><p></p><p>Secondly, you can search for web articles that are intended for this reason. These articles can be perused at no expense and these can be the best advisers for study. You can discover this article by doing a pursuit on the topic.</p><p></p><p>You can look over the assortment of papers and on the off chance that you would prefer not to squander cash, at that point go for those which are helpful to you. There are a few destinations which give a list of the considerable number of papers accessible, so you can without much of a stretch analyze them and select the one which is generally appropriate for your course.</p><p></p><p>Thirdly, you can search for enlightening locales that can furnish you with data about the subject. The majority of these locales are free and can be an incredible assis tance in planning for your course.</p><p></p><p>You should keep a tab on the aides accessible and exploit them. There are various techniques to successfully exploit them and you will have the option to guarantee that you complete your course with ease.</p>

Lord of the Flies Essay Topics Help!

<h1> Lord of the Flies Essay Topics Help! </h1> <p>At the gathering, it rapidly turns out to be certain that some of the young men have started to transform into apprehensive. The young men were boisterous and hard. Different young men begin to cry too. The tiniest young men, alluded to as littluns, have been disturbed by bad dreams from the beginning, and an expanding number of young men presently think there is some sort of brute or beast sneaking on the island. </p> <p>William Golding solidly accepted that there isn't any space for those masterminds on earth. The book happens in a vague atomic war. This indistinguishable decision is made continually all around the globe, all from the beginning of time the cause of the anguish Golding looked to pass on. At that point they may talk about way of thinking. </p> <p>To the rest of the Earth, the double-crossers had apparently disappeared from the outside of the earth. Perhaps in order to comprehend humanity we should see that word itself, Handey once noted. The characters aren't spared, yet they're set up for salvation. The first is incredible for a particular explanation. </p> <h2>The Good, the Bad and Lord of the Flies Essay Topics </h2> <p>Take a glance at our value mini-computer to figure out what your ideal cost for the paper is! What's more, he at that point leaves the room. The glasses are used to start a sign fire on the outside of the mountain by utilizing the methods for the sun. There's something which he said that I trust I'll recollect until the end of time. </p> <p>Jack claims he will be the head of the trackers and that they'll visit the stronghold rock in where they expect to make a post and have a dining experience. The island itself is an indication of flawlessness unadulterated all- common magnificence. Watching a long pursue, most of the island is expended on fire. There isn't any other person on the island and no one knows where they are. </p> <h2>The Unusual Secret of Lord of the Flies Essay Topics </h2> <p>It is conceivable to aggregate them anyway you want. Be that as it may, the investigation isn't the criticalness of life. In the event that you might want to be a piece of the gathering, you should step about your standards. Note, however, what the outcomes are in the two gatherings with time. </p> <p>It's almost certain they will end up in adolescent detainment office till they cheat the local children in a house beautification undertaking. The work, which requests the total consideration and an exceptionally clear psyche. You don't need to be worried about your own subtleties that might be seen, as we handle the issue on a protected system. This surprising site, including experienced business for 9 decades, is one of the essential drug stores on the web. </p> <p>Jack and the trackers even produce their own chasing serenade after their absolute first murder. Pick the one which will intrigue you the most. The mammoth has a great deal of components that are dependent upon the effect he might want to show up at. Likewise, he requires the lead in the completed chase, where he's speaking to Jack. </p> <p>To get exposition on the web, you essentially should fill in the application structure and you'll get predominant work on the ideal subject. It's difficult to pick a help to buy your article from. At our article support, expositions are constantly conveyed in a concise second. Composing an exposition isn't ever a simple activity. </p> <p>Let's expectation this occasion end up being an irregular condition. It can imply raising the warmth, or it might connote de-heightening a situation. Feel free to close your eyes now and envision you're on a plane. Moreover there's likewise an incredibly thick backwoods, with a lot of awesome concealing spots, however in any case, it additionally supplies a generally excellent spot to run over materials. </p> <p>1 day, you have the possiblity to escape. To begin with, Piggy and his glasses represent insight and human progress. The 1963 adaptation's acting is extremely flat and exhausting at times. For one, it may be an outline of the past time the individual read something. </p> <h2> Lord of the Flies Essay Topics Fundamentals Explained </h2> <p>Juxtaposing both of these books together, you may begin to see why pigs aren't held in the perfect respect. Among the unmistakable feelings told certainly inside this novel is Fear. This inquiry is constantly posed with respect to adjustments. All of the prompts underneath is identified with significant thoughts that are discovered going through the whole novel. </p> <h2> Most Noticeable Lord of the Flies Essay Topics < ;/h2> <p>Smart Custom composing won't be hesitant to make your paper! That idea is something which can convert into regular daily existence, and maybe it's the reason center schoolers are mentioned to peruse the book in the usa. As a result, there are many contacting article points that you may utilize while talking about the novel. So far as the understudies are included, composing an examination paper is among the hardest and baffling undertaking as they would see it. </p> <p>Somebody's adored book expresses a decent arrangement about what their identity is. Along these lines, it's significant that you settle on the perfect theme to compose. The chief characters in the book represent one of a kind parts of society. At that point, there are two or three characters that think autonomously for themselves, and numerous those characters end up getting hurt. </p> <p>The drumbeats are essentially the main music, other than the Hunters' serenades, for by f ar most of the film. Suppose you need to buy paper for school. All through the film, the two gatherings end up conflicting heads with each other, bringing about death and demonstrations of sorted out aberrance. Quite a bit of that which we know as relating to sorted out abnormality was displayed in the media, especially in the circle of Hollywoodian blockbusters. </p>

Student Written Procrastination Essay Samples

Student Written Procrastination Essay SamplesStudent written procrastination essay samples can be a very good way to get some inspiration for your own written pieces. I used to get a lot of these before I wrote my first one and I am sure you can, but what if you have never written one?Writing is not something you learn in school. You learn how to compose sentences and paragraphs and sometimes that is enough, but most writers will go on to write longer pieces that take them far beyond the ability they picked up early on. There are some very good reasons for this, and while they may seem obvious to some, the truth is that very few writers who start out thinking they are good at writing actually get better over time.For this reason I always recommend that writers use the many student-written procrastination essay samples that are out there as a way to keep themselves motivated. Yes, these are some great materials that will help motivate you to write, but the real key is to write, and to write a lot.Of course if you are just beginning to write, or if you just do not feel like writing any more than is absolutely necessary, I would suggest that you at least try to write something every day for a month or so. At first this may seem a little bit unrealistic, but it is something that you can do. It also helps to give yourself something to look forward to, which is a great motivator.After a month or so I would also suggest that you give yourself an actual act of discipline to begin writing again. You will probably be tempted to write a piece and let it sit for a week and a half or so, then decide that it is not good enough. That might have been the case a week ago, but today, when you finally sit down to write you should make sure that you are fully committed to writing.In other words, before you actually sit down to write you should spend about an hour (or two or three) reading some of the student written procrastination essay samples that you will find. This will help you see if there is something you want to write that you have never written before.Another thing you will notice is that many of the writing samples I talk about encourage you to make sure that you put the work in by doing some writing yourself. By practicing with a pen or by writing out a rough draft you will begin to realize how much easier writing is and how much better you will be at it if you really get into it.One last thing you will notice is that often the one that has the greatest success at writing these days will be one who takes his time. This will not only save you a lot of time, but will also make sure that you get all the inspiration you need. With all of the available student written procrastination essay samples out there you should be able to find some that will work for you.

Tips For Describing an Essay on Beowulf

Tips For Describing an Essay on BeowulfDescribing an essay is much the same as describing a sample of descriptive essay on Beowulf. If you are writing the essay on Beowulf, you need to make sure that you are actually writing an essay on Beowulf. You can never assume that the essays you are reviewing are written for you because of the fact that they will contain references to subjects and events in which you do not have the expertise.When it comes to writing someone else's essays, you need to go ahead and prepare your own content to use in the paper. You should prepare it from your expertise. In case you do not have any expertise in the subject, you might want to consider contacting the person to whom you are writing the paper for more information.In order to properly describe an essay on Beowulf, you need to be able to give various types of examples in which you would like to write the descriptive essay on Beowulf. You should be able to write a sentence which is followed by the word 'like' to make it possible for you to differentiate between the two. You also need to use descriptive words as much as possible.It would be best to follow the standard styles for writing descriptive essays. It would be best if you follow several essay guidelines. Some of the tips that you need to consider are repetition, information, main ideas, and structure. It would be best to write with a variety of sentences and paragraphs so that it can be easier for you to compare them.You should always remember that you will be using examples from Beowulf to help you with your essay. When you are reviewing samples of descriptive essay on Beowulf, it would be good to keep a notebook with a pen nearby so that you can write down the examples as you review. Thisis a great way to stay organized and to remember the topics you are reviewing.In addition to examples of descriptive essay on Beowulf, you need to be able to write a topic outline for your essay. You need to consider how long your essay w ill be. You should be able to provide ideas for the length of your essay, which will help you write a good and appropriate topic outline.You should also include information in your topic outline which will allow you to include specific details about what you plan to write. This will make it easier for you to write a good essay for a literary publication. You should include such information as topics and points that are worthy of being included in the writing sample.The most important aspect of describing an essay on Beowulf is to be able to use the appropriate keyword. You should be able to use this keyword so that your work will be published. This is a very important factor because only then will it be possible for you to receive a literary award. This is why it is very important to consider the correct keyword in your research.

Legal Drinking Age - 2466 Words

Legal Drinking Age, 18 or 21? People have always wanted what they cannot have. Starting in 1984, this is the attitude most lawmakers in America have taken with respect to underage drinking, since it was the time when many states changed their drinking age from eighteen to twenty-one. Lawmakers thought that if you raised the drinking age, people could drink more responsibly, because as you grow older, your brain matures and with maturity comes responsibility. Although this law, passed not even twenty years ago, was made for the safety of young adults, people now are arguing to have the law returned to the age of eighteen. Many college students, professors and teachers have a lot to say about this topic. From John McCardell, former head of†¦show more content†¦The ideal of potential and prudence fit in with the fact that lawmakers can not single-handedly pick out who is mature enough to legally consume alcohol at the age of eighteen. With more developed brains at twenty-one, the risk for drunk driving and making poor decisions while under the influence are lower. According to the Mother’s Against Drunk Driving Association, the MADD, an estimated twenty-three thousand lives have been saved from the elevated age of drinking since it the law was passed in 1984. Although it has saved lives, McCardell says that â€Å"(raising the drinking age to twenty-one) forced alcohol consumption behind the closed doors of dorms and fraternity basements. Always unsupervised, done in secret and too often excessive, this style of drinking has no doubt been responsibility for the alarming rise in rates of so called ‘binge’ drinking seen at colleges† Looking further into McCardell’s statement, TIME magazine says that data does not show that binge drinking has gotten worse since states raised their drinking age. John Schulenberg of the University of Michigan and Jennifer Maggs of Penn State say, â€Å"During the past two decades, despite many social, demographic, politica l and economic changes†¦rates of frequent heavy drinking among those ages nineteen to twenty-two have shifted little.† Having the ideal of prudence, lawmakers have to take statistics under consideration. They have to choose the option of lettingShow MoreRelatedThe Legal Drinking Age: 18 or 21?1770 Words   |  8 Pages When someone turns 18 they acquire certain rights. They can vote for legislation, enroll in the military and buy a house. Before 1984, they were also allowed to buy alcohol.   This all changed when President Reagan signed the National Minimum Drinking Age Act of 1984. This act stated that the drinking age would change to 21 and it has remained that way since. There has been controversy on the effectiveness of the law because most people drink before they turn 21. Which side is right? Was ReaganRead MoreMicroeconomics Essay- Suppose the Government Raises the Legal Drinking Age in the Uk from 18 to 21. Conduct an Economic Analysis of This Policy to Examine Its Impact on Affected Markets.1260 Words   |  6 PagesSuppose the government raises the legal drinking age in the UK from 18 to 21. Conduct an economic analysis of this policy to examine its impact on affected markets. With reference to the above statement, if the UK government were to increase the legal drinking age from 18 to 21 there are two markets that would mainly be affected- the producers, which is the alcohol industry as a whole and the consumers who are the UK citizens between the age of 18 and 21. A market is a group of buyers and sellersRead MoreThe Legal Drinking Age Should Not Be Lowered988 Words   |  4 PagesThe Legal Drinking Age Should Not Be Lowered There are copious amounts of people who believe that the legal drinking age should be lowered to eighteen. Others think the drinking age needs to remain the same. A few of those also conclude the legal age of adulthood should be raised to 21. The belief is if the adolescent brain has not matured enough to support alcohol use by age 21, it cannot make the responsible decisions required at 18 years of age. Voters should make the decision toRead More The Drinking Age Should NOT Be Lowered Essay1006 Words   |  5 Pagesminimum legal drinking age. Choose Responsibility, a group founded by John McCardell, proposes that upon completion of a 40 hour course to educate young people about alcohol, 18, 19, and 20 year old people should be licensed to drink. The Amethyst Initiative, part of Choose Responsibility, is a petition to Congress to rethink the minimum legal drinking age. Several college leaders have signed this petition in the belief that lowering the minimum legal drink ing age will reduce binge drinking on collegeRead MoreShould The Legal Alcohol Age Be Changed?1560 Words   |  7 Pages To fight for our country at the age of 18 and seeing things that only you could imagine in the battlefield. Coming home from deployment and just wanting a simple beer for your hard work but not being able to buy any because you are not 21 years of age. How is that fair to the men in the military forces? Fighting for our country’s freedom but not being able to have a few beers with your closest friends and family members. The topic of the legal alcohol age being changed has been a great topicRead MoreKeeping the Minimum Legal Drinking Age1283 Words   |  6 Pagesminimum legal drinking age in the United States or not. Many Americans forbid the idea of legalizing the drinking age so that it would be profitable to the businesses. Likewise, there have been many advantages and disadvantages of why should the government allow young adults drink under the age of 21. To prevent this issue, many Americans have provided reasoning that will support the idea of keeping the minimum legal drinking age where it is now. The government should maintain the minimum legal drinkingRead MoreThe Legal Drinking Age Should Be Lowered From The Age Of 21 Essay980 Words   |  4 Pagesconsidered â€Å"adults† cannot even make their own decisions? The drinking age on alcohol is a controversial social and cultural issue in today’s society; all fifty states have a minimum drinking age of 21. The legal drinking age should be lowered from the age of 21 to 18 allowing young adults to be granted the right to drink in restaurants, bars, at social events, in the comfort of their own home, and so on. If anything, lowering the legal drinking age would have a positive impact on the United Sates economyRead MoreLegalizing the Drinking Age to 181624 Words   |  7 PagesLegalizing the Drinking Age to 18 When people turn to the age of eighteen, they are finally considered an adult. They can join the army, have the right to vote, buy cigarettes or tobacco products, get a tattoo and even die for our country, but they aren’t allowed to buy alcohol? A person can be responsible enough to live on his or her own, make money, pay bills, and yet they are not old enough to purchase or consume any type of alcohol. Underage drinking has been a major controversial issue forRead MoreThe Generations Of People Who Were Born After 1984 Have1284 Words   |  6 PagesThe generations of people who were born after 1984 have only known the minimum legal drinking age (MLDA) to be 21 years old. But, it was not so long ago when the minimum legal drinking age was 18. In 1984 Congress passed the MLDA Act as a result of the rise in drunk driving accidents involving teens and alcohol related deaths. This Act ultimately made the states raise their MLDA to 21 from 18 for fear of losing federal highway fun ds. There have been many debates about it and whether or not it shouldRead MoreThe Minimum Drinking Age Act1692 Words   |  7 PagesMinimum Drinking Age Act. This act stated that all states must raise their minimum drinking age to 21. Individuals under the age of 21 would now be prohibited from purchasing or being in public possession of any alcoholic beverage. Though not every state was keen on this idea, they all jumped to raise the minimum drinking age due to the government threat that they would lose up to 10% of their federal highway funding if they ignored the request. However, since the National Minimum Drinking Age Act was

The Flawed Arguments Of Anti Hunters - 958 Words

The Flawed Arguments of Anti-Hunters Hunting is the world’s oldest and most productive means of food, yet it has begun to take a turn from its originality. Most â€Å"hunters† do hunt for food, but the select few that specifically hunt for the sport and nothing else have begun to sway organizations to the concept of â€Å"Anti-hunting.† These institutions have concluded some very critical, and factual, evidence in their opposing arguments on the matter, but in some ways the argumentation presents weakness that has been overlooked; these flaws are menial, but need to be surfaced. These little defects within the following arguments justify the hunter’s right to hunt and harvest game, and Anti- Hunting organizations such as PETA (People for the Ethical Treatment of Animals) have stated multiple facts about the way hunting has turned against its inventiveness such as: sport hunting as an unnecessary form of cruelty, fair chase of animals, and hunters as conser vatives. First off, according to PETA, hunting has become nothing more than a violent form of a recreational activity, and vaguely they’re right; hunting has taken a vast turn towards â€Å"trophy hunting.† Although this is the case, what about those who hunt for trophies and then eat their kill as was the very means for hunting? Are they grandfathered in under those that do not eat their kill? PETA states that they are, yet those hunters are executing the correct hunting procedure, are Pollard 2 they not? The correct equation forShow MoreRelatedResponse to Hunter S. Thompsons Ferar and Loathing in Las Vegas1180 Words   |  5 PagesHunter S. Thompson’s Fear and Loathing in Las Vegas is a travelogue of sorts, due to the blurred lines between fiction and non-fiction, which deeply explores the status of the American Dream during the early 70’s, specifically 1971. 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Performance Management and Performance Appraisal- MyAssignmenthelp

Question: Discuss about thePerformance Management and Performance Appraisal. Answer: Performance management and performance appraisal are two common terms that form the spine of human resource management. The two terms are interconnected and provide the basis through which managers and employees fulfil their roles within the organization and by so doing, achieve the set goals and objectives. Performance management refers to the process through which managers and employees work in unison through planning, monitoring and evaluation of their performance as well as collective contribution to organizational development. On the other hand, performance appraisal refers to the process through which an employees performance is evaluated against set standards with the aim of spotting areas that need improvement (through training) as well as promotion, demotion or layoff (Bernardin Wiatrowski, 2013). From the two definitions, it is evident that the two concepts are differentiated by a few characteristics. The fundamental difference between performance management and performance appraisal is that the former is a process whereas the latter is a system (Toppo Prusty, 2012). Performance management is a process in that it is manifested in every organizational process with no limitations. As long as work is going on in the organization, performance management is also running. On the other hand, appraisal is a system that applies specific parameters in respect to a documented criteria and standards. Performance appraisal is a tool used by the management to increase efficiency through application of rewards and promotions whereas performance management is a strategic tool that is laid down in the organizational culture (DeNisi, 2000).The core essence of appraisal is to track individual performance and document the results. On the other hand, performance management is concerned with strategically positioning the organization to communicate certain cultures and values. Performance management is an exclusive responsibility of the human resource department of the organization. The HR department is the one tasked with monitoring and evaluating performance and taking the necessary measures in line with the outcomes (DeNisi, 2000). On the other hand, performance management is a role taken by all managers who oversee the day to day organizational activities across all spheres of the organization. The managers can influence operations in line with organizational goals and objectives and by so doing, replicate a certain performance pattern that is to be followed by the junior employees. Performance appraisal is periodical while performance management is a continuous exercise (Toppo Prusty, 2012). For most organizations, appraisals are carried out annually or bi-annually depending on the need for human resource as a result of expansion, replacement of transfers. On the other hand, performance management is a running process that is tied to the organizations existence. As long as the organization is operational, performance management is always present. Performance appraisal employs and individualistic approach and the outcomes are instant. For appraisal, it is an individual performance that is evaluated and the results documented at the end of the session so that the employee(s) can be promoted, fired or demoted (Buller, McEvoy, 2012). On the other hand, performance management applies a more collective approach and the outcomes are always forward looking. This is because performance management assesses individuals in relation to the systems and processes and seeks gradual improvement. In the same context, performance appraisal has predetermined outcomes that have to be met by the individual while performance management is more flexible. Performance management and appraisal present managers and employees with various challenges. For managers, employee resistance is a common challenge (Gruman Saks, 2011).Appraisal and management can be viewed as a process of re-interviewing the employee(s) and as such, it can be received negatively. More often, employees can feel uncomfortable with the scrutiny that comes with the processes and as such, they may resist in some ways. Another challenge for managers is maintaining neutrality/fairness. Although appraisal and performance are guided by organizational provisions, dealing with employees whom you have worked with for long and even formed friendships with can subject you to bias (Guest, 2011). Equally, managers can be tempted to overlook past shortfalls in favor of present or recent individual performances. Another challenge for managers is maintaining positive relationships with employees after the processes. As earlier stated, the outcome of appraisal and performance management can be as fatal as demotion. Consequently, managers may develop a feeling of guilt and this may escalate into negative relations with employees who have been negatively affected (Mone London, 2014).Equally, managers face a dilemma on the right scheduling for appraisals. In most organizations, the period is known and as such, employees can save their best for the period approaching the actual day. Consequently, managers can fail to meet the set goals and objectives due to disguise of behavior or performance by employees. For employees, performance management and appraisal can subject them to undue feedback or negative ratings. This is because the processes can be infiltrated by managers with ill motives who would want to use the exercises to favor certain individuals at the expense of others. This can lead to wrongful dismissal or demotion (Daley, 2012). Another challenge for employees is the possibility of receiving feedback and rating based on group or departmental performance. Some of the individual shortfalls may emanate from the organizational structure rather than individual character or competence, yet they affect individual rating and feedback. Another problem for employees is that there is no appeal mechanism (second chance). Any faults that might have occurred in the process and which are not of the employees making cannot be reversible since the processes are one-off (Bititci et al., 2012). Performance appraisal and management are executed with one goal in mind; helping the organization achieve its goals and objectives. Performance management ensures that all the processes are running in line with organizational goals. Any flaws detected in the system are addressed gradually to avoid any impasses (Buller McEvoy, 2012).On the other hand, performance appraisal ensures that the company has the right group of employees in terms of competence and behavior who fit in the firms culture and values. These employees are better placed to execute their roles and meet organizational goals and objectives both in the long and short term. Performance management and appraisal are tools for individual and collective improvement and skill development. Both processes are meant to empower employees and prepare them for future roles as well as adapting to any changes in the market (Armstrong Taylor, 2014). In appraisals, the feedback can serve as a motivational factor for promoted employees as well as their colleagues. When the employees are rewarded, they feel valued and ready to put on an extra effort to help the organization achieve their goals and objectives. Similarly, performance appraisal and management help the organization to get rid of underperforming employees and replace them with more productive ones. By doing this, the company increases the chances of success since unproductive employees are a liability rather than an incentive to the company. The role of the HR is policy formulation. The department lays down the necessary policies and guidelines that guide the entire processes (Armstrong Taylor, 2014).These policies determine the scheduling, standard measures as well as rewards that should be applied to each individual or the entire organization in order to achieve the set targets. Through policing, the HR is able to stay in touch with the current trends in the market and tailor performance management and appraisal to meeting these conditions. Secondly, the HR is directly involved in execution. The department conducts the appraisals and makes recommendations to the top brass for appropriate action depending on the outcomes. The HR department also plays the role of monitoring both processes. Whereas the outcomes in appraisal are instant, their role does not end at this point. Instead, the HR continuously monitors the progress of each employee in their new roles to see how they are fitting in their designations (Daley, 2012). In this context, the HR also has the responsibility of monitoring employee performance (performance management) and applying improvement tools such as training and inductions so that in the end, all employees are working towards a common goal. Through continuous training, monitoring and assessment, the HR sets up the organization strategically to have a competitive advantage while moving fast towards achieving organizational goals and objectives. Lastly, the HR is involved in research and development to discover new practices that aid future procedures. This also helps the organization to stay in touch with the labor market patterns and overcome barriers associated with obsolescence. References Armstrong, M., Taylor, S. (2014).Armstrong's handbook of human resource management practice. Kogan Page Publishers. Bernardin, H. J., Wiatrowski, M. (2013). Performance appraisal.Psychology and Policing,257. Bititci, U., Garengo, P., Drfler, V., Nudurupati, S. (2012). Performance measurement: challenges for tomorrow.International Journal of Management Reviews,14(3), 305-327. Buller, P. F., McEvoy, G. M. (2012). Strategy, human resource management and performance: Sharpening line of sight.Human resource management review,22(1), 43-56. Buller, P. F., McEvoy, G. M. (2012). Strategy, human resource management and performance: Sharpening line of sight.Human resource management review,22(1), 43-56. Daley, D. M. (2012). Strategic human resource management.Public Personnel Management, 120-125. DeNisi, A. S. (2000). Performance appraisal and performance management.Multilevel Theory, Research, and Methods in Organizations: Foundations, Extensions and New Directions. San Francisco, CA: Jossey-Bass, 121-156. Gruman, J. A., Saks, A. M. (2011). Performance management and employee engagement.Human Resource Management Review,21(2), 123-136. Guest, D. E. (2011). Human resource management and performance: still searching for some answers.Human resource management journal,21(1), 3-13. Jiang, K., Lepak, D. P., Han, K., Hong, Y., Kim, A., Winkler, A. L. (2012). Clarifying the construct of human resource systems: Relating human resource management to employee performance.Human Resource Management Review,22(2), 73-85. Mone, E. M., London, M. (2014).Employee engagement through effective performance management: A practical guide for managers. Routledge. Toppo, L., Prusty, T. (2012). From performance appraisal to performance management.Journal of Business and Management,3(5), 1-6.

Earnings Management and Audit Opinion †Free Samples to Students

Question: Discuss about the Earnings Management and Audit Opinion. Answer: Introduction: The ethical requirements of APES 110 have been breached in this scenario as the professional ethics does not allow the practicing firm to disclose the information collected during the audit and assurance procedure about the client without taking prior permission from him. Mortdale accounting firm has conducted audit of several public companies from where he has collected working papers of the client. He has shared the information collected during the assurance procedure to peer reviewer Penshurst accountants for carrying out the assurance activity of mortdale. Although the information given was to conduct the working procedure of the firm and to check that all the procedure necessary for carrying out audit is being fulfilled but it should not be shared without the permission of the clients. Therefore mortdale should have taken prior permission from his clients before providing the working papers to his peer reviewer. Yes, the ethical requirements of APES 110 have been breached by the CPA as well as by the accounting firm. The accounting firm should not wholly rely on the words of the candidate applying to the entity rather should try to collect information about his past engagements. It is also important to know whether his interests are not in conflict with the objectives of the organization. In this scenario the local accounting firm should have made research about Jan Dungog, a CPA before providing him job in the organization. The firm should have tried of taking information from his previous employer for the reasons about leaving his past job. By collecting this information the firm should have been able to get information about the true reasons for the dissociation of the person with his previous job and get to know about the strength and weakness. So, the firm should have contacted the previous employer before employing Jan for the position. The practicing accountant has breached the ethical requirements of the standards as he is not allowed to solicit its clients about his other engagements and advertising about the other form of services he is providing. A professional accountant should be independent of his objectives and opinions. He should not be influenced by any factors while conducting his audit and assurance services. This can lead to biased opinion on the true position of the entity towards its stakeholders. In this case wendal sailor contacted the firm in which he was providing audit and assurance services for considering about the other services which he provides apart from providing audit opinion before giving his final audit opinion for the entity. This was against the ethical standards of the professional accountant because this will affect the independent opinion formation about the actual picture of the engaging firm in exchange of other benefits of the accountant. The professional standards are not affected in this case as the partner who is performing the audit procedure of the respective Non Profit Organization. He is not performing any management function rather holds only honorary position in that organization. As he is not in the management function and is not involved in decision making powers so it can be said that he is at independent position in the organization. Judith Durham is at the honorary position of the respective Non Profit organization which is not at anywhere related to the decision making position and can form independent view while providing audit opinion. Honorary position is where a person occupies a position for giving him honor but he does not have any power in making decision. So from the above discussion it is proved that he can perform audit procedure in the organization as he is not in any way affecting his independence. The accountant should not disclose the information of his clients without taking prior permission for the documents which he had collected during his engagements. Here the accountant has breached the ethical and professional standards as specified by APES 110 by transferring all the working papers to the acquiring audit firm. He does not have the permission to provide the information of his clients to the acquiring firm before taking permission from them about the related acquisition and if the client wants to continue with the acquiring firm then only he should provide the documents On acquisition of the firm, Ernie Dengate should have taken permission of his clients about the transfer of the working papers related to the audit procedure. Although he has taken permission before transfer of taxation working papers, he should also sought permission for the audit documents also. Therefore it can be said that the ethical requirements were breached. In this scenario the standard provided by APES 110 under section 290 which provides that the professional accountant should be independent in his views and should not be influenced while providing audit opinion. He can provide management services, taxation services and auditing services but is not allowed to provide all the related services to the same client. If he is providing management services to his client and is anyway related to the decisions of the organization then he should not provide audit procedure to the same organization. In this scenario Fred provides management services along with taxation and audit procedures and if providing management services affects the independence while providing audit and taxation services then it will be against the professional standards. Therefore a professional accountant should not provide management services along with taxation and auditing engagement. Hence we can say he has breached the standard. The professional standard is not breached in this scenario as the accounting firm can maintain the accounts of the organization in which it does not provide audit opinion on accounts. The accounting firm can provide the book keeping services. In this scenario all good chartered accounting firm has provided assistance in maintaining accounting records of the branch company. The branch company has inadequate computer facilities because of which proper records are not prepared. Therefore accounting firm has taken the services of maintaining the records of Branch Company. As the firm is not providing the assurance services to the branch company so the firm can provide the services for maintaining the accounting records for the same. If the firm was providing book keeping services along with auditing engagements then it affects the independence if the accountant. Professional accountant has breached the standards as per APES 110 under section 150. Where the professional accountant indulges in illegal activities by which he brings disrepute to his profession it will be said that the person has adversely affects the reputation of the profession. In this the public accountant James Jameson is involved in fight and has assaulted a person in the drunken state. Also he has acted in disorderly behavior while attempting drive off. Because of this behavior he was convicted and been sentenced for three months and his licensed has been suspended for 1 year. Therefore it can be said that the accountant has breached the standard of professional behavior by which we can say that he had not act diligently has brought the profession into disrepute. Hence we can conclude that there has been breach of professional standard by the accountant. Upon looking into the case we can say that the auditor can form a non qualified opinion on the issue as he has taken all the necessary steps in order to grab the information about the consumer position reflecting in the accounts where he was unable to take confirmations from them on the same. He has undertaken other audit procedure in order to confirm the consumer position that was in included in the sample. Undergoing the procedure he was satisfied about the true and fair position of the accounts. So we can say that a non qualified opinion can be expressed in this situation. The auditor should express a qualified opinion on this issue as the client is not providing assistance in verifying the position of property, plant and equipment. Where the accountant finds that he is not able to generate information on the true position of the accounts he should share the same with those charged with governance and where no satisfactory reply is not received and he is not able to form a suitable opinion on the same he should give a qualified opinion. Also the plant and property on which confirmation is not received comprises the major part comprising of 35%. So necessary disclosure should be made along with qualified opinion. The auditor should form a qualified opinion where the client has not disclosed about the presence of a contingent liability and which if takes the form of actual liability can harm the financial position of the client. The auditor should discuss the matter with the management and if the management does not discloses the contingent liability in its books then he should provide a qualified opinion on the same as it has the potential of affecting the financial position of the client and the information for the same should be provided to its stakeholders. Ann adverse audit opinion should be formed on this issue as the client organization does not have proper and inadequate internal control procedure for recording its cash sales which affects the true financial position of the client. Also the auditor cannot perform necessary audit test on the same which make the situation worse because of which the auditor is not able to form audit opinion on the true and fair position of the sales made by the client. Where the auditor is unable in collecting the information and finds that the defects are persistent in nature then he should form an adverse audit opinion. The auditor should form a qualified opinion where he finds that the he is unable to collect appropriate information on the balances and where it is difficult to ascertain the true and fair position of the financial statements. In this scenario the accountant could not confirm the opening balances as he was not engaged with the organization in previous financial year. Where he is unable to collect information about the opening balances with the previous auditor or with the management then he should provide the information for the same in his report. Not adhering to the accounting standards has the potential to affect the financial position as well as true position of the client position so adverse opinion should be expressed while reporting the issue in his report. It is unable to form audit opinion on the accounts where the client has not prepared the financial statements as per the standards prescribed. The auditor should state the matter with the management and if the rectifications are not made then he should form adverse opinion. The auditor should form a qualified opinion on this issue as the client is not following the appropriate accounting principles and following the principle which is not allowed by the Australian accounting standard. The client should have prepared the valuation of inventory as per the allowed accounting principle in order to disclose true position of the inventory at the year end. As the there is no proper disclosure of the valuation of inventory on which the auditor could express opinion on the same. If management does not change the method of inventory valuation the auditor should report the same in the report giving qualified opinion. Where the going concern position of the entity is not appropriate in the organization and client entity position in the financial statements states that its survival is difficult then the auditor should report the same in his report along with necessary facts and figures and reasons and circumstances stating a qualified opinion. As the major customer of the entity has gone into liquidation and also because of producing specialized product it is difficult that new customers will take their position so it can be seen that the going concern position is affected so providing qualified opinion is necessary. References Rahman, A. R. (2013). The Australian Accounting Standards Review Board (RLE Accounting): The Establishment Of Its Participative Review Process. Routledge. Birt, J., Chalmers, K., Maloney, S., Brooks, A., Oliver, J., Janson, P. (2014). Accounting: Business Reporting For Decision Making 5e. Chen, J., Cumming, D., Hou, W., Lee, E. (2013). Executive Integrity, Audit Opinion, And Fraud In Chinese Listed Firms. Emerging Markets Review, 15, 72-91. Habib, A. (2013). A Meta-Analysis Of The Determinants Of Modified Audit Opinion Decisions. Managerial Auditing Journal, 28(3), 184-216. Banimahd, B., HASAS, Y. Y., Yazdanian, N. (2014). Earnings Management And Audit Opinion: Evidences Of Private Audit Firms. Carey, P., Potter, B., Tanewski, G. (2014). Application Of The Reporting Entity Concept In Australia. Abacus, 50(4), 460-489. Newberry, S. (2015). Public Sector Accounting: Shifting Concepts Of Accountability. Public Money Management, 35(5), 371-376.