Reaction Paper: Film About Life The Forest Has Essay

3 Steps to Acing Your Upcoming Group Interview You’ve been approached in for a board meet. Perhaps you’re threatened. Perhaps frightened. Possibly you’re not even sure you comprehend what that really involves. Whatever your degree of fear, here are three simple strides to traversing your board meet tranquilly and in one piece. Stage 1: BEFOREYou reserve the privilege to ask who will be on your board. Do this. At that point inquire about each board part as well as could be expected. You’ll have the option to make sense of a considerable amount and get ready better for what each may be generally quick to ask you. What does this specific gathering of individuals educate you regarding what the organization is attempting to assess?You can likewise ask to what extent (generally) the meeting should last. This will give you a nice sentiment for what amount to and fro conversation will be conceivable, how much space you’ll be given to pose inquiries, to what extent your answers can be, etc.Step 2: DURING Treat every individual on the board like an individual not simply one more anonymous face. This isn't an indifferent divider asking you inquiries. Every questioner on your board is another chance to make a human association and persuade that a lot more individuals in the organization what an extraordinary fit you would be.Be sure to observe everybody’s name as they are presented. Record every one if that causes you recall. When responding to questions, talk straightforwardly to the person who asked, yet then attempt to widen your answer out to cause the remainder of the board to feel remembered for the discussion.Step 3: AFTERYou’ve took in their names and put forth an attempt to interface with each board part presently thank every single one of them earnestly withâ solid eye to eye connection and a quality handshake. From that point forward, it’s the typical post-meet follow-up methodology. Be that as it may, recall that you have to keep in touch with one card to say thanks for each board part. It appears to be a torment, however it’s these little contacts that will help set you apart.The board talk with: 6 hints for previously, during, and after

Concepts of Learning

As per George Kimball, learning Is the aftereffect of a fortified practice which brings about an adjustment in conduct. Be that as it may, learning may not really show itself in an adjustment in conduct, however through the securing of information. As such, in the wake of learning, the individual will have new information or have the capacity to do something they would not have had the option to do something else (Olson and Hermann, 2013). For instance, when a youngster Is being potty prepared, he figures out how to utilize the latrine; his conduct will change from utilizing a diaper to utilizing the can o soothe himself.To further clarify the idea of learning, we will take a gander at the job of conduct corresponding to learning, old style and operant molding, and the connection among learning and discernment (Olson and Hermann, 2013). Job of Behavior In Relation to Learning According to Simile's emptying of learning, there are a few manners by which taking in must be construed from a perceptible adjustment in conduct. At the end of the day, learning must be converted into discernible conduct (Olson and Hermann, 2013).However, an adjustment in conduct may not be detectable promptly, that is, there may e a possibility to act distinctively tat later time. Ultimately, as indicated by Kimball, learning as understanding or practice, which must be strengthened, will bring about an adjustment in conduct (Olson and Hermann, 2013). Except for B. F. Skinner, most learning scholars concur that the learning procedure must be expected from changes in conduct. In any case, not all adjustments in conduct are the consequence of learning.Some changes in conduct could be the aftereffect of a brief state, for example, ailment, weariness, or medication use (Olson and Hermann, 2013). A few practices don't should be scholarly, for example, breathing or perspiring. These practices are called homeostasis instruments. Their motivation Is to manage a physiological security. People are additionally brought into the world with reflexes. These reflexes, alongside homeostasis, are essential for endurance. Learning Is frequently Identified through a generally lasting change in conduct (Olson and Hermann, 2013).Types of Learning There are two essential sorts of learning as far as a strategies that can alter conduct: old style controlling and operant molding. Old style molding was first evolved by Ivan Pavlov when he unintentional found that his pooches had earned to relate the sound of a ringer with supper time, which made the mutts salivate (Olson and Hermann, 2013). There are two prerequisites to traditional molding. There must initially be a characteristic response to a current boost, for example, an occasion or item. Next, the unconditioned boost that inspires a characteristic reaction Is matched with another or â€Å"neutral† stimulus.The result Is that the in the past impartial my mother accepts that giving her canine a high five preceding going out makes her fortunate in light of the fact that she won a few times at the gambling club in the wake of doing as such. This renowned conduct is a typical case of old style molding in regular day to day existence (Olson and Hermann, 2013). The second type of molding is operant molding, in some cases called instrumental molding. Operant molding is a term initially created by B. F. Skinner, who utilized a contraption he called the Skinner Box. The Skinner box was utilized to acquainted a fortify with condition an ideal reaction (Olson and Hermann, 2013).Operant molding contrasts from traditional molding in that the living being must act with a particular goal in mind before it is fortified; as it were, authorization is dependent on the life forms conduct. With old style molding, the response is viewed as automatic (Olson and Hermann, 2013). The most significant part of operant molding is that a fortify is utilized to reinforce a conduct. There are four distinct sorts of fortifies: uplifting fe edback, negative support, positive discipline, and negative discipline (Olson and Hermann, 2013).Positive fortification is the expansion of something pleasing or lovely to fortify a conduct. For instance, giving the canine a treat in the wake of playing out the stunt appropriately. Negative support is the one-celled critter of something negative or unsavory from the circumstance to reinforce the conduct. For instance, when the understudies are polite the educator expels the exposition question from the test (Olson and Hermann, 2013). Presently, positive discipline is the option of something the living being sees as horrendous to diminish or debilitate a behavior.For model, when the understudies are acting mischievously, the educator adds a paper question to the test. Finally, negative discipline is the expulsion of something wonderful from the circumstance to debilitate the conduct. At the point when a youngster is acting up, removing their preferred toy (Olson and Hermann, 2013). C onnection Between Learning and Cognition and learning are firmly related and are mutually dependent on each other. Without subjective procedures, learning can't exist. The intellectual procedures comprise of reasoning, recalling, knowing, and issue solving.Other psychological procedures include putting away, getting, preparing, and utilizing data learned by the individual (Olson and Hermann, 2013). Learning is the way where an individual increases information or aptitudes through experience and practice, which causes an adjustment in conduct. Learning requires the utilization of numerous psychological procedures. Comprehension is traditionally thinking, yet not everything an individual contemplates will be put away in their drawn out memory for sometime in the future. So as to learn, an individual must store the new information into their drawn out memory, normally done through redundancy (Olson and Hermann, 2013).How memory forms data shifts on an individual premise. A few people c an review data after Just one experience, others have to redundancy or practice to have the option to review a similar data (Olson and needs to save for recovery sometime in the future. For instance, when I was a youngster I viewed a dinosaur film just because, and did to have the information to distinguish â€Å"the monsters†. When my mom recognized the beasts as dinosaurs to me I presently had the psychological experience of â€Å"dinosaur. I cherished the film and the possibility of dinosaurs such a great amount of that throughout the following not many months I read as much as Possible about dinosaurs. Through perusing and taking a gander at pictures, I picked up the capacity to recognize various types of dinosaurs. In the long run, I got ready to recognize other reptilian creatures of different sizes. End In rundown, learning is the result of training and experience that has been strengthened which brings about a conduct alteration. Then again, learning doesn't generall y uncover itself in an adjustment in conduct, however through the acquisition of knowledge.However, most learning scholars accept that the learning procedure must be assumed from an adjustment in conduct. A generally perpetual change in conduct is a decent pointer if learning has occurred. Traditional molding and operant molding. Are two essential kinds of learning regarding a procedures that can alter conduct. The distinction between operant molding and traditional molding is that in operant molding is that the life form must act in a particular ay before it is fortified; in old style molding support is dependent on the living beings behavior.Learning and insight have a cozy relationship and are mutually dependent on each other. Without psychological procedures, learning can't exist. In this paper, we took a gander at the idea of learning, we took a gander at the job of conduct comparable to learning, traditional and operant molding, and the connection among learning and insight. R eferences Olson, M. H. and Hermann, B. R. (2013). A prologue to speculations of learning (ninth deed. ). Upper Saddle River, NJ: Pearson.

Power Crisis in Tamilnadu and Remedial Measure free essay sample

The Power Crisis in Tamil Nadu The force emergency has come to remain in the province of Tamil Nadu. For a long time currently, power cuts for more than six hours in the towns and towns of the state have been the standard. Chennai, which till as of late was saved the rigors of intensity shedding has now been brought into the ambit. This offers a conversation starter on the state attempting to draw in increasingly more speculation, giving confirmations of continuous force gracefully. Burden shedding which was initially implied for an hour or something like that, has now been reached out to three hours in numerous rural areas of the city. While this has influenced homes and ommercial foundations, the enterprises in and around the city (High Tension force customers) have been hit hard by exacting guidelines on long stretches of burden shedding, with numerous units being compelled to close down activities for a whole day every week. Industry sources are additionally irritated with the way that while fabricating units expend just 35% of the 9500 MW power utilization in Tamil Nadu, they are being compelled to endure load shedding unmistakably more than residential customers. We will compose a custom article test on Force Crisis in Tamilnadu and Remedial Measure or on the other hand any comparable point explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Numerous units have started working movements with the assistance of diesel generators, yet this is ending up being a costly arrangement which is influencing the primary concern. There is likewise a developing inclination among indigenous ventures that the state bit off undeniably beyond what it could bite when it came to welcoming enormous activities to set up base in and around Chennai. The expansion in power utilization was not thoroughly considered as they would see it and there is additionally an inclination that multinationals are being given force to the detriment of household organizations. While there might be no reason for such a view, it indicates that the state government has laid the ground for a possibly unstable circumstance on the force front. Maybe it was against this foundation that the state just made a couple eeble commotions about offering for the Nano venture which in the end went to Gujarat. There is no momentary answer for the force emergency in the city and the state. Strikingly, on paper, the state can at present case to have surplus force for it has around 10500 MW introduced limit. Anyway constant creation is less. Poor downpours have influenced hydro-power and the deficiency of fuel has implied that the nuclear force plant at Kalpakkam is working at sub-ideal limit. Help somewhat is normal when the Koodamkulam plant is charged in around a half year from now. The greater part of the recently endorsed power units are just in the land dentification stage at the present time. The misfortunes in transmission and circulation of influence are likewise noteworthy with the state-controlled Electricity Board not performing at anticipated levels. Industry halls have been requesting the unbundling of creation, conveyance and transmission of intensity in the state to improve this, however there has been no reaction. The state government has then again drew closer HT buyers with a recommendation that they share the expense of intensity during night hours. This whenever acknowledged will guarantee that there is some alleviation given to units that depend on generators for their capacity during night and other pinnacle equirements. On the off chance that at all there is a splendid side to the story, it is the expanding center around non-customary wellsprings of vitality. IT majors who represent at any rate 500MW of intensity utilization during top hours nave started talking about the reasonability ot utilizing sun based boards. At any rate one IT major in the city has started working with wind vitality. The long stretch of September in reality observed the deficiency in power in the state descending because of a multiplying of the breeze power created from 600 MW to 1200 MW. It is to be trusted that such new pushes will help in hauling the force area out of its current chaos.

Reading response Essay Example | Topics and Well Written Essays - 250 words - 43

Understanding reaction - Essay Example The image helps in demonstrating that both regular and human may have some relationship. His work is additionally observed as not the same as ongoing picture takers. Subsequently, there is contention that his work is antiquated and lacking taste. In any case, plainly his work keeps up some creativity and unpredictability. Consequently, one may contend that Adams work give a distinctive portrayal of the real factors on the ground. The other contention in the article is impression of the connection among man and nature. A few specialists, for example, Thoreau are appeared to accept that man isn't a piece of nature (4). In any case, as the article takes note of a decent scene might be accomplished with individuals on it. I agree with this view as in numerous events; man has battled to make improvement to the scene through beautifications. Consequently, man ought not be made to seem unique in relation to the tasteful part. Man ought to be viewed as having influence in the beautification of land. Then again, unmistakably man ought not be viewed as an adversary to protection of nature. This is on the grounds that man assumes a noteworthy job in the protection of nature. For instance, man raises a fence to protect parks (4). Subsequently, barring man won't help in saving our characteristic scene. The protection must be accomplished through normal utilization of land by man. Consequently, as Adams notes, if a man utilizes common habitat seriously, he is the one to fault. Then again, there is the attention on photography as arrangement of importance. Genuine photography is viewed as demonstrating all the more significance when contrasted with the stylish segment (7). Additionally, photography is likewise appeared as offering depiction of a spot. As I would see it, photography can help in comprehension of a spot if appropriately taken by a goal individual. For instance, this can be found in narrative photos

Take Advantage of a Comparative Essay Outline

Take Advantage of a Comparative Essay OutlineIf you've ever wondered about an online college degree program, the best tool you can use is a comparative essay outline. It helps your chances for acceptance in many schools because the whole essay outline program gives you several advantages over just a conventional document. The biggest advantage of course is that it can help you get into a particular school or university.Many students who are in need of college help take up academic writing courses and read some basic standards before they get started. These general tests give them a rough idea of what they should expect to read and write when they eventually go to college.One thing you want to think about when you're filling out an application for a college course is that there are some things that you should be thinking about and others that you should avoid. You need to be sure that your essay addresses all of these concerns. You should never try to ignore these factors as doing so will only hurt your chances for admission into a specific college.A comparative essay outline helps you achieve this objective because it takes up the time of the admissions committee that is reviewing your application. This means that you have the opportunity to explain precisely why you are different from the other applicants. Of course you should also point out how your strengths make you unique and differentiate you from other applicants.Writing a good essay is one of the main points of a comparative essay outline program. By writing about yourself as well as by the content of your essay, you can prove that you're willing to be different enough to stand out.A comparison of your essay to another applicant's essay can help you get some points across. Remember that with a good essay, you can introduce yourself as someone who wants to learn. You also need to state clearly why you are different from your classmates and why you deserve to be accepted in their particular college.Having a good essay for admissions purposes, is the best way to do it. Taking the time to use a comparative essay outline to determine what you need to say and when you need to say it can really help you get through the writing process. If you're looking for tips on how to write an excellent essay, consider checking out this guide.

2009 Plan Performance Rankings Q3

Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, for three-year investment performance and for five-year investment performance. The top performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile" the better the ranking. For more details on our methodology click here. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers (click here). These rankings are for periods ended Sept. 30, 2009 One-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Nevada USAA College Savings Plan 15.27 2 Kansas Schwab 529 College Savings Plan 26.26 3 Alabama Higher Education 529 Fund (Direct-sold) 26.83 4 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 28.89 5 Maryland College Savings Plans of Maryland - College Investment Plan 29.35 6 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 32.69 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 35.42 8 Nevada The Vanguard 529 Savings Plan 37.65 9 New Jersey NJBEST 529 College Savings Plan 37.91 10 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 38.09 See the full list of one-year direct-sold rankings. Three-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 21.62 2 Nevada USAA College Savings Plan 25.92 3 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 27.29 4 Maryland College Savings Plans of Maryland - College Investment Plan 34.11 5 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 35.53 6 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 36.72 7 Nevada The Vanguard 529 Savings Plan 36.95 8 Utah Utah Educational Savings Plan (UESP) Trust 37.54 9 Ohio Ohio CollegeAdvantage 529 Savings Plan 37.59 10 Arkansas GIFT College Investing Plan 37.65 See the full list of three-year direct-sold rankings. Five-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 27.28 2 Maryland College Savings Plans of Maryland - College Investment Plan 29.22 3 Alaska T. Rowe Price College Savings Plan 31.87 4 Alaska University of Alaska College Savings Plan 33.91 5 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 35.18 6 Nebraska College Savings Plan of Nebraska (Direct-sold) 36.74 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 37.30 8 Utah Utah Educational Savings Plan (UESP) Trust 37.94 9 Nevada USAA College Savings Plan 38.25 10 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 39.09 See the full list of five-year direct-sold rankings. For broker sold plan rankings, click here. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performance. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performance. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool. Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, for three-year investment performance and for five-year investment performance. The top performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile" the better the ranking. For more details on our methodology click here. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers (click here). These rankings are for periods ended Sept. 30, 2009 One-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Nevada USAA College Savings Plan 15.27 2 Kansas Schwab 529 College Savings Plan 26.26 3 Alabama Higher Education 529 Fund (Direct-sold) 26.83 4 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 28.89 5 Maryland College Savings Plans of Maryland - College Investment Plan 29.35 6 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 32.69 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 35.42 8 Nevada The Vanguard 529 Savings Plan 37.65 9 New Jersey NJBEST 529 College Savings Plan 37.91 10 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 38.09 See the full list of one-year direct-sold rankings. Three-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 21.62 2 Nevada USAA College Savings Plan 25.92 3 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 27.29 4 Maryland College Savings Plans of Maryland - College Investment Plan 34.11 5 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 35.53 6 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 36.72 7 Nevada The Vanguard 529 Savings Plan 36.95 8 Utah Utah Educational Savings Plan (UESP) Trust 37.54 9 Ohio Ohio CollegeAdvantage 529 Savings Plan 37.59 10 Arkansas GIFT College Investing Plan 37.65 See the full list of three-year direct-sold rankings. Five-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 27.28 2 Maryland College Savings Plans of Maryland - College Investment Plan 29.22 3 Alaska T. Rowe Price College Savings Plan 31.87 4 Alaska University of Alaska College Savings Plan 33.91 5 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 35.18 6 Nebraska College Savings Plan of Nebraska (Direct-sold) 36.74 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 37.30 8 Utah Utah Educational Savings Plan (UESP) Trust 37.94 9 Nevada USAA College Savings Plan 38.25 10 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 39.09 See the full list of five-year direct-sold rankings. For broker sold plan rankings, click here. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performance. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performance. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool. 2009 Plan Performance Rankings Q3 Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, for three-year investment performance and for five-year investment performance. The top performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile" the better the ranking. For more details on our methodology click here. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers (click here). These rankings are for periods ended Sept. 30, 2009 One-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Nevada USAA College Savings Plan 15.27 2 Kansas Schwab 529 College Savings Plan 26.26 3 Alabama Higher Education 529 Fund (Direct-sold) 26.83 4 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 28.89 5 Maryland College Savings Plans of Maryland - College Investment Plan 29.35 6 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 32.69 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 35.42 8 Nevada The Vanguard 529 Savings Plan 37.65 9 New Jersey NJBEST 529 College Savings Plan 37.91 10 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 38.09 See the full list of one-year direct-sold rankings. Three-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 21.62 2 Nevada USAA College Savings Plan 25.92 3 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 27.29 4 Maryland College Savings Plans of Maryland - College Investment Plan 34.11 5 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 35.53 6 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 36.72 7 Nevada The Vanguard 529 Savings Plan 36.95 8 Utah Utah Educational Savings Plan (UESP) Trust 37.54 9 Ohio Ohio CollegeAdvantage 529 Savings Plan 37.59 10 Arkansas GIFT College Investing Plan 37.65 See the full list of three-year direct-sold rankings. Five-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 27.28 2 Maryland College Savings Plans of Maryland - College Investment Plan 29.22 3 Alaska T. Rowe Price College Savings Plan 31.87 4 Alaska University of Alaska College Savings Plan 33.91 5 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 35.18 6 Nebraska College Savings Plan of Nebraska (Direct-sold) 36.74 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 37.30 8 Utah Utah Educational Savings Plan (UESP) Trust 37.94 9 Nevada USAA College Savings Plan 38.25 10 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 39.09 See the full list of five-year direct-sold rankings. For broker sold plan rankings, click here. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performance. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performance. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool. Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, for three-year investment performance and for five-year investment performance. The top performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile" the better the ranking. For more details on our methodology click here. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers (click here). These rankings are for periods ended Sept. 30, 2009 One-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Nevada USAA College Savings Plan 15.27 2 Kansas Schwab 529 College Savings Plan 26.26 3 Alabama Higher Education 529 Fund (Direct-sold) 26.83 4 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 28.89 5 Maryland College Savings Plans of Maryland - College Investment Plan 29.35 6 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 32.69 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 35.42 8 Nevada The Vanguard 529 Savings Plan 37.65 9 New Jersey NJBEST 529 College Savings Plan 37.91 10 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 38.09 See the full list of one-year direct-sold rankings. Three-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 21.62 2 Nevada USAA College Savings Plan 25.92 3 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 27.29 4 Maryland College Savings Plans of Maryland - College Investment Plan 34.11 5 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 35.53 6 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 36.72 7 Nevada The Vanguard 529 Savings Plan 36.95 8 Utah Utah Educational Savings Plan (UESP) Trust 37.54 9 Ohio Ohio CollegeAdvantage 529 Savings Plan 37.59 10 Arkansas GIFT College Investing Plan 37.65 See the full list of three-year direct-sold rankings. Five-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 27.28 2 Maryland College Savings Plans of Maryland - College Investment Plan 29.22 3 Alaska T. Rowe Price College Savings Plan 31.87 4 Alaska University of Alaska College Savings Plan 33.91 5 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 35.18 6 Nebraska College Savings Plan of Nebraska (Direct-sold) 36.74 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 37.30 8 Utah Utah Educational Savings Plan (UESP) Trust 37.94 9 Nevada USAA College Savings Plan 38.25 10 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 39.09 See the full list of five-year direct-sold rankings. For broker sold plan rankings, click here. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performance. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performance. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool. 2009 Plan Performance Rankings Q3 Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, for three-year investment performance and for five-year investment performance. The top performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile" the better the ranking. For more details on our methodology click here. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers (click here). These rankings are for periods ended Sept. 30, 2009 One-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Nevada USAA College Savings Plan 15.27 2 Kansas Schwab 529 College Savings Plan 26.26 3 Alabama Higher Education 529 Fund (Direct-sold) 26.83 4 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 28.89 5 Maryland College Savings Plans of Maryland - College Investment Plan 29.35 6 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 32.69 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 35.42 8 Nevada The Vanguard 529 Savings Plan 37.65 9 New Jersey NJBEST 529 College Savings Plan 37.91 10 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 38.09 See the full list of one-year direct-sold rankings. Three-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 21.62 2 Nevada USAA College Savings Plan 25.92 3 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 27.29 4 Maryland College Savings Plans of Maryland - College Investment Plan 34.11 5 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 35.53 6 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 36.72 7 Nevada The Vanguard 529 Savings Plan 36.95 8 Utah Utah Educational Savings Plan (UESP) Trust 37.54 9 Ohio Ohio CollegeAdvantage 529 Savings Plan 37.59 10 Arkansas GIFT College Investing Plan 37.65 See the full list of three-year direct-sold rankings. Five-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 27.28 2 Maryland College Savings Plans of Maryland - College Investment Plan 29.22 3 Alaska T. Rowe Price College Savings Plan 31.87 4 Alaska University of Alaska College Savings Plan 33.91 5 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 35.18 6 Nebraska College Savings Plan of Nebraska (Direct-sold) 36.74 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 37.30 8 Utah Utah Educational Savings Plan (UESP) Trust 37.94 9 Nevada USAA College Savings Plan 38.25 10 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 39.09 See the full list of five-year direct-sold rankings. For broker sold plan rankings, click here. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performance. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performance. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool. Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-year investment performance, for three-year investment performance and for five-year investment performance. The top performing 529 plans In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. The lower the "percentile" the better the ranking. For more details on our methodology click here. We ranked plans that consumers can enroll in directly (see below), as well as those sold through brokers (click here). These rankings are for periods ended Sept. 30, 2009 One-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Nevada USAA College Savings Plan 15.27 2 Kansas Schwab 529 College Savings Plan 26.26 3 Alabama Higher Education 529 Fund (Direct-sold) 26.83 4 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 28.89 5 Maryland College Savings Plans of Maryland - College Investment Plan 29.35 6 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 32.69 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 35.42 8 Nevada The Vanguard 529 Savings Plan 37.65 9 New Jersey NJBEST 529 College Savings Plan 37.91 10 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 38.09 See the full list of one-year direct-sold rankings. Three-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 21.62 2 Nevada USAA College Savings Plan 25.92 3 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 27.29 4 Maryland College Savings Plans of Maryland - College Investment Plan 34.11 5 Missouri MOST - Missouri's 529 College Savings Plan (Direct-sold) 35.53 6 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 36.72 7 Nevada The Vanguard 529 Savings Plan 36.95 8 Utah Utah Educational Savings Plan (UESP) Trust 37.54 9 Ohio Ohio CollegeAdvantage 529 Savings Plan 37.59 10 Arkansas GIFT College Investing Plan 37.65 See the full list of three-year direct-sold rankings. Five-year performance ranking Updated Nov. 17, 2009 Rank State Plan Percentile 1 Kansas Schwab 529 College Savings Plan 27.28 2 Maryland College Savings Plans of Maryland - College Investment Plan 29.22 3 Alaska T. Rowe Price College Savings Plan 31.87 4 Alaska University of Alaska College Savings Plan 33.91 5 Rhode Island CollegeBoundfund (Direct-sold, Alternative R) 35.18 6 Nebraska College Savings Plan of Nebraska (Direct-sold) 36.74 7 South Carolina Future Scholar 529 College Savings Plan (Direct-sold) 37.30 8 Utah Utah Educational Savings Plan (UESP) Trust 37.94 9 Nevada USAA College Savings Plan 38.25 10 Montana Pacific Life Funds 529 College Savings Plan (Direct-sold) MT 39.09 See the full list of five-year direct-sold rankings. For broker sold plan rankings, click here. How to rank 529 plan performance Ranking over 3,000 investment options is no easy task, considering the wide variety of options found in 529 savings plans, and it requires a special methodology. Step one: We select specific portfolios from each 529 plan that can be compared on an apples-to-apples basis to portfolios in other 529 plans based on their allocation among stocks, bonds and short-term instruments (money market and guaranteed investments). We've set up seven different asset-allocation categories ranging from 100 percent equity to 100 percent short-term. Step two: Within each of the seven categories, we compare historical performance of the selected portfolios and assign each plan a percentile ranking between one (best) and 100 (worst). Separate rankings are developed for one-year, three-year and five-year performance. Step three: We take the average of each 529 plan's percentile rankings in the seven asset-allocation categories to produce a combined or "composite" percentile ranking. We then produce reports showing how the 529 plans rank against each other in their composite percentile rankings. Note: We currently produce these composite rankings for one-year, three-year and five-year performance. For a more in-depth explanation of our methodology, please read our white paper. See the one-year direct-sold, three-year direct-sold and five-year direct-sold rankings. More information Links to our full report on the composite rankings for this quarter are provided below for the direct-sold 529 plans. Only our Premium subscribers have access to composite rankings for advisor-sold 529 plans, to the underlying data supporting the rankings and to separate one-year, three-year and five-year rankings for each of the seven different asset-allocation categories. In addition, subscribers can easily look up the historical performance for every 529 portfolio in every available share class by using our Fee and Performance Lookup Tool.

Living A Better Life Essay - 1683 Words

Living a better life. Immigration has always been an issue in the United States. There are many people who immigrate to the United States illegally because of issues that they face in their home countries. There are about 11 million undocumented immigrants in the U.S (Rodriguez 10).In order to gain citizenship is takes a lot of time and it also cost a lot of money; Most come illegally because they do not have the money to pay for a citizenship. Many people say they do not want immigrants to enter the United States because they see them as criminals. They see them as criminals because they came illegally, but that is not always true. It is just a stereotype that people put on them. What most people don’t know is that most of the young adults that are illegal were brought by their parents so that they could experience the American dream. Everyone should have an equal opportunity to live the American dream whether they came here illegally or legally. Undocumented people would be a great asset to our country because they are willing to work hard labor jobs that most Americans do not want, they come here for a better life and better opportunities, and they pay taxes which make the U.S more money just like everyone else and they bring different cultures to the U.S. It is obvious that in order to provide for oneself and a family one has to work. No one really likes to work jobs that are considered hard labor because it takes a toll on a person. Hard labor jobs would beShow MoreRelatedEssay on Living Life in a Better, Healthier Way1772 Words   |  8 Pagesshould be one’s priority as it plays a crucial role in one’s life. Health is the one factor that determine and guarantee people abilities to do work, chores, and to complete every activity in life. From this, we can how important and how much health serve to human. Without proper and good health care, people will likely fall sick which causing them to become less productive in life and making th em unable to perform their daily activities. Living a healthy lifestyle is very important due to the increaseRead MoreAdvantages And Disadvantages Of Living In The City And Urban Life758 Words   |  4 Pageshas considered whether a living environment is a city or a country. Some people like city life, and some enjoy the rural life more. Rural and urban life are different. They all have their advantages. The most suitable place is the best, depending on what kind of life people want. In urban life, people living more convenient, more job opportunities and medical development. People living in the cities which is enjoy more a better life. This is suitable for some peoples living standards and requirementsRead MoreCountry Better Than City961 Words   |  4 PagesCountry Life is better than City Life City life and country life are very different to each other. The bustling city is alive with people and activities, whereas the country is relaxed and quiet; but which is better? I strongly think that life in the country beats the city by far because of the better environment and friendlier community. The tranquil setting of the country is definitely superior compared to urban life, and is really appealing to everyone. Firstly, the environmentRead MoreMass Migration to America During the 19th Century693 Words   |  3 Pagesindustrialisation and employment and living standards, and thus many migrants traveled to America with the hope of a better life. By saying that the reasons for the mass migration are primarily due to industrialisation and employment and living standards, it is important to emphasize that the migrants’ destination of America was better than remaining in their origin country. With all of this considered, this essay will examine the roles of industrialisation and employment and living standard in the decisionRead MoreEssay about Clancy of the Overflow695 Words   |  3 Pageswhich is better than his city life. In this poem Banjo uses a variety of poetic devices to get his message across like the use of suggestive language, descriptive language and imagery. Banjo uses suggestive language to make the reader realise that country life is much better than city life where it is crowded and dirty. This becomes evident where the speaker says â€Å"As the stock are slowly stringing, Clancy rides behind them singing, for the drovers life has pleasuresRead MoreDoes Better Education Necessarily Lead to a Better Standard of Living?1279 Words   |  6 Pagesorder to understand if better education leads to a better standard of living, we have to first note that a better standard of living means an improved condition of which people live by, indicated by factors such as increased literacy rates, mortality rates and –perhaps, a better education – referred to as better educational qualifications in the form of training, certification or knowledge. Hence, we see that education has become necessary in order to alleviate our living standards and the key toRead MoreDoes Better Education Necessarily Lead to a Better Standard o f Living?1271 Words   |  6 Pagesorder to understand if better education leads to a better standard of living, we have to first note that a better standard of living means an improved condition of which people live by, indicated by factors such as increased literacy rates, mortality rates and –perhaps, a better education – referred to as better educational qualifications in the form of training, certification or knowledge. Hence, we see that education has become necessary in order to alleviate our living standards and the key toRead MoreEssay on Incorporating Adventure in Your Life771 Words   |  4 Pages A person must always choose between living their life accustomed to settling for less or actually living their lives the way they want to. We suffer from the fear of missing out on life experiences and in the end all we really want is to be happy of the life we chose to live. The willingness to take an adventure can range for example someone quitting their job th at they hate and going after for the job they actually want. A second type of adventure can be a little bigger than that like actuallyRead MoreJames Truslow Adams And The American Dream1371 Words   |  6 Pagessupported the idea that all American citizens are able to obtain a better life than they are currently living; however, that idea is continuously changing and many interpret their own dream in different ways. James Truslow Adams, an American author and historian, coined the term â€Å"American Dream† in his book, The Epic of America, published in 1931. Adams once described the American Dream as a, â€Å"†¦dream of a land in which life should be better and richer and fuller for everyone...† (Adams). Even thoughRead MoreGdp and the Standards of Living752 Words   |  4 PagesStandards of living can be evaluated by the measure of GDP, level of inflation, net exports and fiscal balance. Evaluation by using the GDP as an indicator would be relevant as it reflects the total national economic activity and the level of wealth of the society. GDP per capita is adjusted for the size of the economy in terms differences in price levels and also population of the country. There are many factors that would affect the standard of living in a country. Some that cannot be measured

Civil War - 1284 Words

American Civil War Milan Patel The journal paper discusses the problems faced by Abraham Lincoln and Jefferson Davis that contributed to civil war in their respective states. It analyses the contribution of each person in the American civil war. The achievements of both commanders will also be discussed together with their weaknesses. Introduction A civil war involves the conflict between different groups in the same state. The main objectives of the civil war are the intention of one group to exercise control over the other group or to need to amend some government policies, which are unfavorable to them. Each occurrence of civil war is associated with a particular commander who is responsible for initiating the war. Main Text Abraham†¦show more content†¦Slaves in the south explained the declaration as an act to compromise their life’s because the promise to freed slaves in the south did not rejoin the already split Union. The civil war had massive effects on the communities at the south and north. The war marked a major turning point in the economy of United States. Starting with the northern state, slavery was abolished and the citizens gained more recognition from the government. Many slaves who were uneducated, unemployed and homeless were liberated and they lived lives that are more comfortable. The north had more dominance in power with its military troop attaining more recognition in the federal union. The north also experienced rapid expansion of its economy with the development of the industrial, railroads and the agricultural sectors. During the period of the civil war, there was booming of businesses leading to increased profits (O Brien Patrick, 46). The end of the war did not lead to slow growth in the north as cities like Chicago became very industrialized. The general rise in the American economy after the civil war was tremendous. This was associated with the federal government control by the northern republicans. In the south, most of the effects were negative to the society. However, the abolishment of slavery wasShow MoreRelatedThe War Of The Civil War921 Words   |  4 PagesThere are no doubts that acts of war can have a negative impact on the individuals involved. There are countless stories of the soldiers’ experiences in the war, and how it affected their lives, families, and attitudes. However, there is a large demographic that is hardly accounted for: children, specifically during the Civil War era. Understanding the children that lived in the time of the Civil War is important because it affected their future careers, shaped their attitudes towards race, and affectedRead MoreThe War Of The Civil War964 Words   |  4 Pageswasn’t one sole cause of the Civil War but there were many events that took the country to war and put brother against brother and states against states. Abraham Lincoln wanted to preserve the union and that could only be attained by civil war. Sla very which was an underlying cause for the war played its role in the division that divided the North against the South. Ultimately the preservation of the union, slavery and the consequences and conflicts leading to the Civil War all rested on President Lincoln’sRead MoreThe War Of The Civil War1522 Words   |  7 PagesCosts The war produced about 1,030,000 casualties, including about 620,000 soldier deaths—two-thirds by disease, and 50,000 civilians. The war accounted for roughly as many American deaths as all American deaths in other U.S. wars combined. Based on 1860 census figures, 8% of all white males aged 13 to 43 died in the war, including 6% in the North and 18% in the South. Union army dead, amounting to 15% of the over two million who served, was broken down as follows: Notably, their mortality rateRead MoreThe War Of The Civil War777 Words   |  4 PagesThe widespread violence that turned into the Civil War began with the election of 1860. Abraham Lincoln won the election of 1860 without a single vote from the states below the Ohio River. South Carolina was the first state to respond to Lincoln’s election. On December 20, 1680, South Carolina seceded from the Union. South Carolina was the first of the â€Å"Original Seven† who seceded from the Union, including Mississippi, Florida, Alabama, Georgia, Louisiana, and Texas. This became known as â€Å"secessionRead MoreThe War Of The Civil War1039 Words   |  5 PagesThe civil war is by far the bloodiest war in American history. In the four deadly years of war, over six-hundred thousand Americans were killed. Many disputes that led to the civil war. These conflicts started under Presiden t James Buchanan who was a Democrat elected in the election of 1856. The issue of slavery, states’ rights, the abolitionist movement, the Southern secession, the raid on Harper’s Ferry, the election of Abraham Lincoln all contributed to the start of the civil war. The civil warRead MoreThe War Of The Civil War Essay1444 Words   |  6 PagesThe story of this outlaw originated during the Civil War years, April 12,1861-May 9, 1865. The War were the rich sat and watched, while the poor died. A War that wanted to keep black people as slaves permanently by the South (Confederates). Newton Knight quickly grew unhappy with the situation that the people of Jones County, where he was originally from were in. He also did not approved of slavery at all. Newt was the Outlaw who freed Jones County s people, whites and blacks alike when they mostRead MoreThe War Of The Civil War1284 Words   |  6 PagesEnglish 30 January 2015 The Civil War There are many facts most people generally do not know about the Civil War, so much research is needed to improve one’s knowledge about the Civil War. Authors such as: Robert G. Lambert, Rustle B. Olwell, and Kay A. Chick were all helpful in this research. Many people think that everyone on the Union side of the war believed that blacks should be equal to whites. Most people also think that everyone on the Confederate side of the war believed in slavery. SomeRead MoreThe War Of The Civil War1723 Words   |  7 PagesThe Civil War is by far the bloodiest war in American history. In the four deadly years of war, over six-hundred thousand Americans were killed. Many disputes that led to the civil war. These conflicts started even before the presidency of James Buchanan, who was a Democrat elected in the election of 1856. The issue of slavery, states’ rights, the abolitionist movement, the Southern secession, the raid on Harper’s Ferry, the election of Abraham Linc oln all contributed to the start of the Civil WarRead MoreThe War Of The Civil War Essay944 Words   |  4 Pages The War of Succession, universally known as the Civil War, was a war unlike any other. According to the Civil War Trust, â€Å" it was the most immensely colossal and most destructive conflict in the Western world between the cessation of the Napoleonic Wars in 1815 and the onset of World War I in 1914.† It commenced when the Confederate army assailed Fort Sumter on April 12, 1861. The Civil War was a rigorously catastrophic event for both the North and the South. About 360,000 of the Union’s men wereRead MoreThe War Of The Civil War1704 Words   |  7 Pagesof thousands of Americans volunteered to fight in the Civil War, also known as the First Modern War. The main causes of this war were the economic and social differences between the North and the South. These differences led to other fundamental issues such as slavery and its abolition. In addition to that as the war was coming to its end, federal authorities found themselves presiding over the transition from sla very to freedom.After the war, there was a 12-year period best known as the Reconstruction

Music Piracy Should be Illegal - 644 Words

Many people are in discord with the polemical statement, music piracy should be legalised. It is a topic that provokes arguments, as some believe that it should be free and accessible whereas others believe that it should be paid for and should remain illegitimate. Music piracy is the act of illegally downloading music for free, bilking sites such as iTunes and iMesh that lawfully sell music to millions of people worldwide. It is one of the most frequently committed crimes. According to an article in the newspaper ‘The Guardian’ in 2009, ninety-five per cent of music available online is downloaded illegally with no payments made to the artist and over 40 billion files were illegally shared in 2008. It may be a free service but is it ethical? Is it something that society should continue to do or something that should be discouraged? The downloading of songs using the Internet is a large source of income for musicians. Without this, they would not be earning as much as they currently are. If artists begin to lose money to pay record labels and advertisers, loyal fans end up paying more money to help support their favourite artists. It can be argued that many renowned and creditable musicians earn the majority of their money from t ours and concerts rather than sales. However, there are also an abundant number of musicians who have neither the money nor the fame to go on tour. Therefore, if the revenue from sales is taken away from them, they could be left impecunious andShow MoreRelatedPiracy, The Intellectual Property Rights Of The Recording Industry Association Of America1285 Words   |  6 Pages 1 Piracy is defined as illegally acquiring a private property, in this case, music, without paying for it. Piracy, therefore, violates the intellectual property rights of the recording companies, together called Recording Industry Association of America (RIAA). The intellectual property right being violated at hand is the copyright laws that the RIAA have. The biggest problem that the RIAA has with this violation is that they believe their sales are declining because of piracy. In fact, theRead MoreIfsm 304 A11344 Words   |  6 PagesSOFTWARE PIRACY IFSM 304 Abstract In the various media industries there are extreme worries concerning unauthorized downloading and copying of their products known as piracy. Piracy of items has been part of commerce for centuries; counterfeiting of currency for example. With the information age the ease at which media can be pirated has caused an explosion of this phenomenon. This practice is an illegal act that is done by individuals for personal use and also for profit. The first doRead MoreThe Digital Music Industry Is Forever Evolving999 Words   |  4 PagesThe digital music industry is forever evolving. The problem of piracy has been created when people began to illegally download music. Music should not be pirated. Piracy can be partially reduced by using various advertising messages encouraging students not to pirate. Music producers should be a given the right to their music. Producers and advertising agencies can work hand in hand to fight the battle of music piracy. The majority of college students may see music piracy as nothing but a way toRead MoreEssay about The Impact of Music Piracy1144 Words   |  5 PagesThe Impact of Music Piracy According to the Recording Industry of America (RIAA) the record industry loses $4.3 billion dollars, worldwide, due to music piracy (RIAA, 2003). The American Federation of Artists claims that on-line music piracy has caused some record store sales to drop by 20% and that 20.6 billion illegal downloads occur every month (AFM, 2004). Many experts believe that music piracy is currently the number one threat to the music industry. RIAA sources claim 278 million peopleRead MoreThe Most Overlooked Crime: Piracy Essay882 Words   |  4 Pages Internet piracy is not a victimless crime. Piracy is a term used to describe the illegal downloading of music, movies, games, and even software online. Although many people don’t feel that piracy is a crime that affects anybody, it really does. People pirate stuff online because it is free and does not require one to run to a store to get their product. People that pirate these things don’t think of the repercussions that go along wit h it. You can have to serve up to 10 years in prison, and payRead MoreSerious Problem of Music and Movie Piracy Essay823 Words   |  4 PagesMovies and music Piracy Piracy became a very serious problem that is facing a lot of people and mostly those who make living or make out profit out of things that could be illegally stolen and published for free. Internet made it so easy to people to get the products and services that they should be paying for in an unethical way so they won’t pay for it but still get them for free , a lot of people wonder why would they pay money on a product while they can have it for free ? and this is why aRead MorePiracy And Its Effects On Online Piracy1630 Words   |  7 Pages â€Æ' IV. Piracy its Effects: Online piracy is another substantial type of a cybercrime. With rapid developments to technology, piracy has become easier and more widespread. Piracy, the act of pirating, is defined as the illegal reproduction, via copying or counterfeiting, of any type of work which includes: software, recordings, or even motion pictures. Although are many ways to pirate material, online piracy is most common. Online piracy uses the internet, and computer technology to illegally reproduceRead More The Growing Problem of Music Piracy Essay1254 Words   |  6 PagesThe Growing Problem of Music Piracy    At the turn of the millenium, the music industry has been faced with an unforeseen phenomenon that has affected its very foundation - mass scale music piracy. The decline of CD sales in the past three years have been blamed on the availability of songs that can be downloaded from Internet sites and service providers like Napster, KaZaA and Morpheus free of charge. Today the issue of intellectual copyright infringement in music has been taken more seriouslyRead MoreThe Corruption of Downloading Music832 Words   |  3 PagesDigitally illegal music file sharing is now mainstream. But should it be legal to those who have broken the law against the music industry and its artists? More specifically by RIAA the criminal can be charged by up to five years of jail time and fines up to $250,000. Some people agree that music files should be digitally shared, so everyone can have easy access to their favorite music without spending a substantial amount of money. But not everyone agrees with this idea. Some people believe thatRead MoreMusic Piracy And Piracy1426 Words   |  6 Pagestoday’s world of conflict and international tension, music can aid to bring people together. This generation enjoys access to extensive communication with people around the world, through calls, text messages, and social media. Social media especially plays a vital role in bringing people from all parts of the world together over common interests and beliefs. Music is playing a major role in the unity of people through social media (Lachman, 2014). Music is often shared through Twitter, Instagram, Facebook

The Four Key Ideas Entrepreneurs Essay - 1564 Words

Introduction: Entrepreneurship is a frame of mind set with which dreams, the desire to achieve and passion for innovation, all combine to embody what it means to be an entrepreneur (Busenitz et al., 2003). Entrepreneurs are habitually opportunistic when seeking prospective opportunities; therefore it is crucial that entrepreneurs should abide by four key ideas when seeking opportunities. The four key ideas entrepreneurs need to embody when seeking opportunities are, denoting the entrepreneurial mind-set, innovation, Passion, leadership and creating economic value. Through the understanding of these key ideas entrepreneurs will be able to seek out opportunities and have a better chance of becoming a successful entrepreneur. Through analysis of articles and journals a comprehensive evaluation can be used to establish why these are the four key ideas entrepreneurs should have. Through entrepreneurs such as Richard Branson, Steve Jobs, Dr. Sangeeta Bhatia and Bill Gates, we can see the entrepreneurs s uccess can be attributed to one of the key ideas that entrepreneurs should keep in mind when opportunity seeking. The Entrepreneurial Mind-Set Denoting the entrepreneurial mind-set is a key idea which is assigning different values to resources and opportunities than ordinary people. Entrepreneurship is about identifying opportunities and having the ability to pursue in an attempt to ‘make something better’ or innovate (Ma Tan, 2006). The entrepreneurial perspective needs to beShow MoreRelatedThe Following Seven Key Lessons Are To Help Any Beginner1618 Words   |  7 PagesThe following seven key lessons are to help any beginner entrepreneur strive for success with a little more ease than as if they were to tackle it without any guidance. This book will focus on seven key lessons to becoming a successful entrepreneur as well as examples of entrepreneurs that have become successful either following these methods or creating their own pathway through the battle of entrepreneurship. To become and entrepreneur there are the lessons, the theories, the playbook that existsRead More21200 Words   |  5 Pagesï » ¿ CHApter1 2.What key insights does the GEM study provide us about entrepreneurship?      Of particular interest to GEM is early stage entrepreneurial activity, which consists of businesses that are just being started and businesses that have been in existence for less than three and one-half years. While the high rates of entrepreneurial start-up activities occur in low-income countries, where good jobs are not plentiful such as brazil, china, Argentina. 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Analysis of Marketing Plan of La Trobe Management Online

Question: Describe about the Analysis of Marketing Plan of La Trobe for Management Online. Answer: Introduction The following report contains analysis of marketing plan of newly launched and commercialized marketing program of La Trobe Masters in Management course. This program is a masters course of management that is being offered by La Trobe University. This product enables students and prospects to access classes and consultation online through a well developed module. The product has been developed as a result of increasing demand for convenience and flexible mode of learning from the Australia and offshore post graduates students. This has been driven by advancement in technology from the past few years. This report will involve a comprehensive analysis of situation, customers, competitiveness, marketing objectives, marketing strategies and the marketing Ps in the marketing plan of La Trobe University masters of management online. The report also discusses the current issues that may affect the program and outlines recommendations for improving the marketing plan. Background Context La Trobe University is a public research institute that was established in 1964. The university has 36000 students. The university has over 7000 international students from different parts of the world. The main campus has 26000 students at Melbourne. The remaining 7500 students are hosted by the other six campuses in the country (La Trobe, 2016). The university has had a culture of bringing higher education to students who might otherwise not have a chance to have it. Therefore the University has continuously focused on future to offer online courses to widespread students willing to study with La Trobe University. The University launches online courses to suite diverse student need with desire to offer real world experience that give a global perspective and a society that take knowledge to the next level. The University has a mission is to serve the society of Victoria for the purpose for higher education, economic, social and cultural benefit of Australian and international communities. This is to be done through access to quality higher education to this disadvantaged in the societies. (La Trobe Act, 2009). The University envisions that it will be different in pursuit of world class research that makes difference in the worlds most pressing issues. La Trobe is to be a social inclusion place that will be globally recognized for excellence. Industry Context La Trobe University is offering a managerial course on online platform. The product is in the education industry meant for advancing leadership skills from the undergraduate level. The industry on online platform is a developing one though the traditional industry has existed for years. The studies remain the same with the online platform developed to enhance accessibility, flexibility and convenience. Students are not required to be around the school premises to access classes, library or tutorials. Rather, they are able to access these services from whenever they are and are only required to login in their portals. The industry is a developing industry that has attracted most of higher learning institution in Australia and around the world. Improvement and advancement of technology has enabled development of the online learning products (Online Education Degrees Booming, 2012). Each institution has a role to position itself in a manner that it will be able to attract both Australian and international students to enroll in their program. Therefore, it a competitive industry that require good marketing planning in order to reach, persuade and convince targeted students to enroll. Situation Analysis The organization product is a masters degree in management. La Trobe University offers the Masters degree in an online interface that allows students to access classes, library and tutorials using their smart phones or computers. The degree allows the student to develop knowledge in management or leadership. The student is equipped with tools and skills important to manage companies, government and non-profit making organizations. The University program targets all the graduates willing to study online. It qualification is an undergraduate degree from Australian university or an equivalent international qualification. The program also allows individuals with prior learning and experience in their professional to enroll for the course. Therefore, the product target markets are all graduates from Australian universities who are more the one million per year and international scholars around the world (Maria, 2016). The online platform has gained popularity in the past years. 87% of the Universities in Australia have access to internet. 70% of Australia universities have enables students to access online services and information away from universities. It estimated that 90% of the Australian universities allow students to browse for material online. From a survey carried out by Australia.edu, it showed that there were 207 courses offered online. The program was offered by 23 universities in the county. It showed that 31% of the online courses were exclusively with internet interaction only. It also noted that 90% of the total courses offered online were post graduate studies (Australia.edu, 2016). According to ICEF monitor, the online education market grew by 20% in Australia for the past 5 years. The market is estimated to grow to million in the next 10 years. Therefore, it can be established that the online educational product are on rise with increasing demand and competition as universities adopt this form of learning. The major players in Australia offering an online Masters in Management are; University of southern Queensland- Master of Management The University of Notre Dame Australia offering masters in Business Leadership Macquarie University- Masters of management The market leaders in the online course are Seeking Learning, open Universities Australia and Kaplan. Macro factors that will present opportunities for the Product; Advancement in Technologies: An improvement of gadgets and internet access will create more connections and accessibility of these two important requirements for an online learning program. Advancements in technology will enhance the interface between the scholar and the product offered by the institution. Target Customers The institution target customers for the online Masters degree are individuals willing to continue their studies without leaving their job due to personal reason. It focuses on graduates who are working and cannot quit their jobs for studies. Therefore, the program enables the student to multitask by learning during their free time and comfort. These customers have fixed schedules to afford to attend a lecture in the institution premises. The organization target groups are individuals who can afford internet and gadgets that can be used for learning process. The product also requires individuals with self discipline to can self manage themselves and follow instructions under no or little supervision. Customers targeted by this service have a need for knowledge and skill in management or leadership. Customers are in need of sharpening of their skills to improve their businesses or assume a leadership role in an organization (Network, 2016). Therefore, the online Masters degree will satisfy their need for better performance in the leadership responsibilities in their respective jobs. Competitiveness La Trobe University is operating in a very competitive environment. The market has several institutions offering the same course. La Trobe is operating in an industry where the institutions that have specialized on the serve before it launched it service. The organization masters degree in Management is accessed in the same way like that of its competitors. The difference is the charges and support given by the institution. La Trobe has adopted a distinct culture from the beginning and is evident in the operation the newly launched program of Masters in Management. The institution offers an interactive service that is supportive to student and also the charges are different from that of the competitors. The industry has few limitations to entry. Other higher level education institutions can venture into offering Online Masters degree in the future. Therefore it with great importance that the organization establishes it brand appropriately that it continues to grow and increase the market share. Marketing Objectives The marketing plan objective of La Trobe Online program was to inform and grow market share of the service in the industry. The marketing objectives were specific, attainable, realistic and measurable. This will enable continues popularity of the program. This will make the program effective as it will be able to attain the predetermined objectives. Marketing Strategies Target Markets: The strategy chosen in the marketing plan of La Trobe University is multiple segments. This strategy will enable the newly launched program have a widespread customers. Individuals across all courses provided that are graduates from Australian universities or equivalent from other countries. Multiple-segmentation gives them a wider target of the prospect students to enroll for the course. It is noted that La Trobe Online Masters in Management is seeking to attract scholars in different disciplinary as far as they are in need of knowledge and skills for leading their businesses or assuming a leadership position in an organization. The design for online masters in Management is not specific nor does it require special qualifications. Therefore, a multiple-segmentation for targeting markets is appropriate for its ability to get more prospects to the program. A niche is not important in this case. The organization is in need of kicking off and requires as many scholars enrolling as possible. Therefore, separating the market and focusing on an individual niche will serve to the disadvantage of the organization. Product The product is designed to offer foundation knowledge for leadership. The package allows the student to attain knowledge and skills important in running an organization. The program allows the student study management in broad or can specialize with entrepreneurship and innovation or project management. The package design also allowed to on campus students but permits only 25% online for these students. This restriction is outlined by ESOS on domestic and foreign students. The organizations student requirement for enrolling is an Australian degree or any international equivalent. It also requires an IELTS score of 6.5 for international students in English. The IELTS for student from Australia is 6.0. Then the institution requires personal statement stating the student education background. This is followed by a resume from the applicant. Therefore, it can be seen that the application process is easy and requires achievable past requirements. The program will cost AU$24730 for 120 per 120 credit points for students in Australia and New Zealand. While the cost for international student is AU$28460 for 120 credit points. The Brand The online Masters in Management will be marketed the La Trobe umbrella. This will establish the brand for the course in the target audience (Hamer, 2011). The La Trobe brand will be used to offer associate to the online Masters in Management brand to increase confidence and awareness of the course. This enables the newly launched program to be adopted by targeted audience. The established brand of La Trobe University of doing thing differently will fasten the adoption phase of the new course (Rungie and Laurent, 2005). For instance, students and former student will approve the course confidence basing their judgment of the course on the previous courses they undertook from the university and give it the same rate. Therefore, the course promoted under the University umbrella brand will give the course a new edge of marketing making it easy to penetrate the market in Australia, New Zealand and the rest of the world. The online masters in management will use the universitys colors, design and symbols. This will promote the brand in the market by distinguishing it from it competitors. These colors, design and symbols will also enable consumers to different the product in the market. These features will enable online Masters in Managements be distinct and unique under the brand features of parent established brand. The newly launched online Masters in Management will use the Parent university slogan of doing everything differently. This will incorporate the culture of the parent school to the new course (Chawla et al., 1999). Therefore, the targeted audience will receive the information about the newly launched course with the perception that the quality and support services are the same to that of the La Trobe University. Price The La Trobe online Masters in Management program is priced at AU$24730 for 120 credit points. Each subject is priced approximately at AU$3557.50. These are the prices for Australian and New Zealand students. La Trobe has priced the course higher for international students at AU$28460 per 120 points and each subject is priced at AU$3557.50. Therefore, La Trobe complete price is AU$49460 for Australians students and A$56920 for international students. In order to analyze the appropriateness and competitiveness of the La Trobe price, comparison to it two competitors are discussed. For instance, Macquarie University price for online masters in management is AU$ 41000 in one year. For University of Southern Queensland Australia, they charge AU$ 31680 to complete the program for two years (Masterstudies.com, 2016). Therefore, it can be said that the prices of La Trobe are slightly higher than that of their competitor. This price is can be perceived by potential targeted customers as price for quality. High prices are associated with quality and therefore, the program of Online Masters in Management offered will regarded as of high quality relative to that of its competitors. Other Issues in the marketing plan of La Trobe online Masters in Management Flexibility: The course it portrayed as a flexible program that a student has an option to enroll with more than four intakes in a year. This is different from it competitor who have one or two intakes in a year. Requirements for entry: La Trobe online Masters in Management does not limit students to pursue the course on the bases of the course they studied on undergraduate level. This is different to other competitors who require the student to have taken a business related course in order to qualify for their online Masters Management course. Conclusion From the analysis in this report, La Trobe Online Masters in Management course is a timely product to be launched at the time. This has been driven by advancement of technology and improvement of services through internet. Consumers have changed their preferences to services valuing convenience, flexibility and adaptability. La Trobe Marketing program has a role to inform, persuade and convince target consumers for the new product launched by the university. It has been established that the design of the course itself gives them a competitive advantage to the organization to be able compete with its competitors. Therefore, it can be summarized that the La Trobe Online Masters in Management course launch in the market is a timely product due to the increasing demand among Australians and international students. The marketing program is effective and the product success in the market is expected due to strong branding and adaptability of the product in the market. Recommendations From the analysis above, the following is recommended; The promotional activities should be aggressive the first three months. This will create awareness of the masses that a new program has been launched. Internet marketing is highly recommendable. The marketing program should focus on internet marketing through social media and high traffic websites. This will have a wide range of audiences reached by the promotional message. References Australia.edu. (2016). An Overview of Online Education in Australia, Online Courses, Services, Universities. [online] Available at: https://www.australia.edu/admissions/Online-Education/ [Accessed 11 Oct. 2016]. Chawla, S., Ellis, J., Saluja, A. and Smith, M. (1999). Global perceptions of online advertising. Services Marketing Quarterly, 19(1), pp.91-98. 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Practical marketing in Australia. Brisbane: John Wiley Sons. Network, A. (2016). Student Numbers at Australian Universities | AustralianUniversities.com.au. [online] Australianuniversities.com.au. Available at: https://www.australianuniversities.com.au/directory/student-numbers/ [Accessed 11 Oct. 2016]. Online Education Degrees Booming. (2012). Phi Delta Kappan, 94(3), pp.6-7. Robinson, K. (2003). La Trobe University, Melbourne, Victoria. Health Information Management Journal, 31(4), pp.16-17. Rungie, C. and Laurent, G. (2005). Repeated Binary Logit: Analysing Variation in Behavioural Loyalty. Australasian Marketing Journal (AMJ), 13(2), pp.27-36. Stair, L. and Stair, L. (2009). Careers in marketing. New York: McGraw-Hill. Technology-Driven Online Marketing Performance Measurement:. (2014). International Journal of Online Marketing, 4(4), pp.0-0. University, L. (2016). Master of Management. [online] Latrobe.edu.au. 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