Q:Does a 529 plan affect financial aid?

Watch video.A:Does a 529 college savings plan affect financial aid?Yes†¦ but not as much as you might think. Most schools use the FASFA form to determine your Expected Family Contribution, or, EFC.Savings in a 529 plan = parental assets on the FAFSA.Why is that good?Parental assets are treated favorably compared to student assets.†¢ Percent of assets reported on the FAFSA:Parental – 5.64% (maximum)†¢ Student – 20%Here’s an example:Dana’s parents have $30,000 saved in a 529 plan. How Dana’s college savings affect financial aid- The 529 plan only increased Dana’s EFC by a maximum of $1,692.A lower EFC means more financial aid eligibility.And it gets better†¦Qualified withdrawals from a 529 plan aren’t counted on the FAFSA as long as a dependent student or their parent owns the account. And Coverdell ESAs enjoy the same treatment, too. So, Save Away!

Professional Ethics And Public Administration - 2137 Words

Generally, the issue of ethics especially in the business world is very complicated. Accordingly, many scholars have tried to explain the rationale behind being ethical. For instance, early scholars such as Milton Freidman and Adam Smith explains this issue by exploring on the social responsibilities of corporates, as well as in the theory of incentives whereby the rationale is driven by the needs of either the firm or an individual who is profit maximization and maximization of utility by households. This paper critiques two articles on professional ethics in public administration. The first article under critique is Professional Ethics and Public Administration in the United States authored by Moataz Fattah. In his introduction, Fattah (2011) defines the importance of professional ethics by arguing that the lack of ethical workplaces across the world has partly contributed to skepticism and a widespread lack of confidence in public officials and institutions among the citizenship. According to the author, this diminished confidence in public institutions ultimate results to the phenomenon of decline state capacity, weak or soft states or even failed states. In essence, no development and progress can occur if public institutions lack credibility and are regarded as unethical are corrupt. To provide a solution, Fattah suggests looking at several nations that have been able to control corruption and maintain strict ethical monitoring such as the United States.Show MoreRelatedPolicing1068 Words   |  5 PagesEthics in Criminal Justice Administration Analysis Perla M. 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Management for Sustainability

Question: For most of the first 10 weeks of the session, students are required to maintain a Learning Journal in the Blog section of Interact. A total of 8 entries are required for Weeks 1-6 and Weeks 9 10 respectively. Requirements for each entry are included in the relevant Weekly Modules. Weekly entries should be no more than 250 words and address the issues specified in the modules. Additional marks are awarded for regular participation in discussion forums for the relevant topics in Interact, hence it is strongly recommended that students keep up with the topics on a weekly basis. Dropping behind will result in discussions being missed and marks being dropped. Answer: Week 10: Reflection about Video In this video, the author has outlined about the basic principles of marketing through critical assessment of the sustainable goods and services, explained about the marketing strategy and practices and finally described about the effective social marketing. Sustainable Marketing Strategy provides an insight to the global players that how they can develop their career in the field of global marketing management(Jones, Clarkeà ¢Ã¢â€š ¬Ã‚ Hill, Comfort, Hillier, 2008). All the important information embedded in the video has provided a view that how leaders can pursue about social and sustainable marketing strategies and can overcome the issues related to the global environment crisis as well as growing constraints of the products and services in the organization. The concerns of the leader surrounds only for the task that how to market the product according to the sustainable principles(Sharmaa, Iyerb, Mehrotrac, Krishnana, 2010). The thing that is commonly examined by the marketers is that sustainability constructs practices and theories existing in the international marketing management environment. It involves the climate change models, mitigation and adoption measures as well as developing skills used for the critical evaluation of the quantitative trends data and issues related to predictive modeling. It is good for the students and proud for the teaching team as they have used the views of well-known experts of the industry and renowned academics. Students will get the opportunity to take part in team building and leadership events during the tenth week programme(McDonagh, 1998). We were really pleased by the lecture of the teacher and mainly by the feedbacks and ideas provided by them. The video has provided an overview of differences and developments of the sustainability marketing. Based on the overview and perspectives of the marketing, it will be easier for the marketers to determine a broad view ab out the social, environmental and economic outcomes about sustainability marketing(Mitchell Wooliscroft, 2010). Week 12: Case Study Background Environmental Changes have been undertaken at the vehicle plant situated in UK. This organization is the part of larger multinational automotive manufacturing company. Change Drivers On the global level, the organizations are committed for the sustainability of the environment. They were mainly aimed to continue with their manufacturing facilities with minimal negative impacts on the environment. In accordance with their long term vision, they were holding an environmental pledge that is to minimize the environmental impacts of the manufacturing and vehicles. For making such achievements, the environmental policies of the organization were focused on the elimination of the pollution. The process is continually striving to achieve such objectives based on 5R's: Reduce (for example: reduction the use of natural resources such as water, electricity, gas etc.) Reuse (for example: 99.9% of the European Packages are re-used) Refine (for example: wherever possible, avoid the use of CFCs, water-based paints etc.) Recycle (for example: recycling of as much material as possible- plastics, water, paper, rubber, steel etc.) Retrieve Energy (for example: exhaust gases reheat other production processes). Organizational Initiatives to Increase Sustainability As the plant has aimed to foster the environment policies, a series of initiatives are introduced to engage the employees in environment friendly activities. It involves: Creation and implementation of different environmental programs which provides the opportunity to take part in varied environmental activities. Creation and opening of nature walk sites through making a balance between lakes and local wildlife trust. Introduction of annual event for making an open invitation to the families to spend a day and can carry down with some fun loving activities. Recycling of waste water. Installation of solar PVs in front of the plant. Introduction of some future projections such as harvesting the water, introduction of benefits to the employees such as insulation of solar panels. Staff engagement in Changes The vehicle plant highly prioritizes with staff engagement in the environmental activities through encouragement of employees. Presently, around 98% of employees were involved in the environmental programs which have been introduced last year. Out of total, 50% of employees have completed their second level program. Such initiatives has fostered the creativity of employees and made them more environments friendly. References Jones, P., Clarkeà ¢Ã¢â€š ¬Ã‚ Hill, C., Comfort, D., Hillier, D. (2008). Marketing and Sustainability. Marketing Intelligence Planning, 26(2), 123-130. McDonagh, P. (1998). Towards a theory of Sustainable Communication in Risk Society: Relating issues of sustainability to marketing communications. Journal of Marketing Management, 591-622. Mitchell, R. W., Wooliscroft, B. (2010). Sustainable Market Orientation: A New Approach to Managing Marketing Strategy. Journal of Macromarketing, 30(2), 160-170. Sharmaa, A., Iyerb, G. R., Mehrotrac, A., Krishnana, R. (2010). Sustainability and business-to-business marketing: A framework and implications. Industrial Marketing Management, 39(2), 330-341.

The Decline and Fall of Classical Civilizations free essay sample

The classical civilizations Han China, Gupta India, and Rome all declined and eventually collapsed all together due to internal corruption, economic decline, and external invasions. Although Rome was destroyed culturally and politically once it fell, China and India were able to maintain some culture due to the religions Confucianism and Hinduism. One of the causes of the collapse of all three civilizations is that all three empires were ridden with political corruption during their later years, all three suffered under poor leadership, and moral decay also haracterized the fall of these once great empires. In Han China the central governments control disappeared, and as a result, the bureaucracy became more corrupt. Due to this loss of power, local proprietors decided to pick up the slack and ruled their neighborhood however they saw fit. Peasants were taxed even more than they already were and the proprietors demanded more services of them. We will write a custom essay sample on The Decline and Fall of Classical Civilizations or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Many had to sell their land and become laborers on estates, and some people even had to sell their own children into service. Military generals later took over the falling empire to try to raise it back up. There were several empires that rose and fall until the bureaucratic system was revived for good. This period of havoc did leave behind a mark in the Buddhist minority that was left and in the newer styles of art and literature. Unlike the fall of Rome, the disruption was not permanent and china eventually regained its former state. The decline of Rome is actually very similar to the dramatic collapse of Han China. After 180 C. E. political confusion produced several weak emperors, who only damaged the empire even more, and several power struggles over the succession to the throne only weakened the once powerful empire. Similar to the downfall of Han China, army intervention only complicated political life and contributed to political decline from the top of the chain downwards. In contrast to the drastic downfalls of Rome and Han China, the fall of Gupta India was much more subtle and not nearly as dramatic of declines. It also was not based on political unity unlike Han China. Because no native ruler native to India even attempted to build an empire, invaders integrated into the warrior caste and formed a new ruling group of regional princes that came to be known as the Rajput. Few political events of ignificance occurred under their ruling, and due to their poor leadership, the Gupta India civilization slowly declined as well. However once this had happened Rome and the Han China civilization had already collapsed, but internal corruption was not the only reason for the eventual collapse. Another common cause of the fall of these classical civilizations is due to outside invasions. One connection between all the civilizations was the fact that the Huns invaded all three. The Huns themselves invaded Rome and Han China while Gupta India was by another Hun group from Asia. Another similarity that Rome and Han China shared is the fact that both of these civilizations had their capitals overrun which highly contributed to their fall and made their downfall occur even faster. Although Rome and Han China nad been suttering trom internal problems betore the invaders began causing problems, the nomads Just dealt the final blows that sent the civilizations to their doom. Gupta India had not yet resolved their tendency for their political system to dissolve and for the whole system to dissolve, making them a prime target for invaders to come and take over. The fact that these once powerful civilizations were already very weak probably encouraged the nomadic invaders to harass and destroy even more. Unlike the other two civilizations, Rome suffered directly from the Germanic invaders who mainly fought because they had also fallen prey to the Huns harassment. Although these outside invasions were a big factor in the decline of these civilizations, economic decline also majorly played a part in the collapse. Even though it came in different forms, economic decline was also a cause of the fall of these empires. The Decline and Fall of Classical Civilizations free essay sample The classical civilizations Han China, Gupta India, and Rome all declined and eventually collapsed all together due to internal corruption, economic decline, and external invasions. Although Rome was destroyed culturally and politically once it fell, China and India were able to maintain some culture due to the religions Confucianism and Hinduism. One of the causes of the collapse of all three civilizations is that all three empires were ridden with political corruption during their later years, all three suffered under poor leadership, and moral decay also characterized the fall of these once great empires. In Han China the central government’s control disappeared, and as a result, the bureaucracy became more corrupt. Due to this loss of power, local proprietors decided to pick up the slack and ruled their neighborhood however they saw fit. Peasants were taxed even more than they already were and the proprietors demanded more services of them. We will write a custom essay sample on The Decline and Fall of Classical Civilizations or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Many had to sell their land and become laborers on estates, and some people even had to sell their own children into service. Military generals’ later took over the falling empire to try to raise it back up. There were several empires that rose and fall until the bureaucratic system was revived for good. This period of havoc did leave behind a mark in the Buddhist minority that was left and in the newer styles of art and literature. Unlike the fall of Rome, the disruption was not permanent and china eventually regained its former state. The decline of Rome is actually very similar to the dramatic collapse of Han China. After 180 C. E. political confusion produced several weak emperors, who only damaged the empire even more, and several power struggles over the succession to the throne only weakened the once powerful empire. Similar to the downfall of Han China, army intervention only complicated political life and contributed to political decline from the top of the chain downwards. In contrast to the drastic downfalls of Rome and Han China, the fall of Gupta India was much more subtle and not nearly as dramatic of declines. It also was not based on political unity unlike Han China. Because no native ruler native to India even attempted to build an empire, invaders integrated into the warrior caste and formed a new ruling group of regional princes that came to be known as the Rajput. Few political events of significance occurred under their ruling, and due to their poor leadership, the Gupta India civilization slowly declined as well. However once this had happened Rome and the Han China civilization had already collapsed, but internal corruption was not the only reason for the eventual collapse. Another common cause of the fall of these classical civilizations is due to outside invasions. One connection between all the civilizations was the fact that the Huns invaded all three. The Huns themselves invaded Rome and Han China while Gupta India was by another Hun group from Asia. Another similarity that Rome and Han China shared is the fact that both of these civilizations had their capitals overrun which highly contributed to their fall and made their downfall occur even faster. Although Rome and Han China had been suffering from internal problems before the invaders began causing problems, the nomads just dealt the final blows that sent the civilizations to their doom. Gupta India had not yet resolved their tendency for their political system to dissolve and for the whole system to dissolve, making them a prime target for invaders to come and take over. The fact that these once powerful civilizations were already very weak probably encouraged the nomadic invaders to harass and destroy even more. Unlike the other two civilizations, Rome suffered directly from the Germanic invaders who mainly fought because they had also fallen prey to the Huns harassment. Although these outside invasions were a big factor in the decline of these civilizations, economic decline also majorly played a part in the collapse. Even though it came in different forms, economic decline was also a cause of the fall of these empires.

Edgar Allan Poe Essays (4642 words) - Free Essays, Term Papers

Edgar Allan Poe Essays (4642 words) - Free Essays, Term Papers Edgar Allan Poe Edgar Allan Poe, znakomity amerykaski pisarz, krytyk literacki i poeta, urodzi si 19 stycznia 1809r. w Bostonie, w biednej rodzinie aktorskiej. Od samego pocztku chopca przeladowa pech, bowiem w niedugim czasie po jego narodzinach odszed ojciec David, a nastpnie, w grudniu 1811r, zmara jego matka, Elizabeth Arnold Poe. Osierocone dzieci pastwa Poe trafiy do rodzin zastpczych w Richmond. Modsza siostra Edgara, Rosalie zamieszkaa u pastwa MacKenzie, natomiast malutkim Edgarem zaopiekowao si bezdzietne maestwo, John i Frances Allanowie. Poe mia jeszcze starszego brata o imieniu Henry, ktry jednak ju za ycia rodzicw zosta oddany pod opiek dziadkw w Baltimore. Allanowie nigdy formalnie nie zaadoptowali Edgara aczkolwiek chopiec zwraca si do nich "mamo" i "tato". Swoje drugie imi, Allan, "odziedziczy" wanie po przybranych rodzicach. Rodzina Allanw utrzymywaa si z handlu tytoniem. W nowym domu, Edgar mia wygody o jakich nie mg marzy za ycia rodzicw. Chopiec nie czu si jednak tam szczliwy, nie potrafic nawiza uczuciowej wizi z ojczymem. Ucieka w wiat wyobrani, ju wtedy prbujc pisa poezj i proz. Jednoczenie zainteresowa si wiedz okultystyczn, co miao pozostawi lad w caej jego twrczoci. W latach 1815-1820 przyszy poeta przebywa z przybranymi rodzicami w Anglii, gdzie uczszcza do szkoy m. in. Mr. Bransby'ego, upamitnionej pniej w opowiadaniu William Wilson. Dalsz edukacj pobiera Poe w szkoach w Richmond i, ukoczywszy szko redni, 14 lutego 1826 r. podj studia na uniwersytecie stanu Virginia w Charlottesville, gdzie zabysn zdolnociami. Mia bardzo dobre wyniki w nauce, by take aktywnym czonkiem Jefferson Literary Society. Niestety chroniczny brak pienidzy skierowa go w stron hazardu przez co wpad w dugi i ju po roku zrezygnowa ze studiw. Przybrany ojciec Edgara nie aprobowa stylu ycia jaki w trakcie studiw prowadzi dorastajcy syn (a zwaszcza jego pocigu do alkoholu), w zwizku z czym czsto dochodzio midzy nimi do zatargw. Kiedy pewnego razu, po ostrej ktni, ojczym zdecydowa si nie przesya pienidzy, Poe postanowi rzuci uczelni i opuci dom rodzinny. Bez grosza przy duszy i z marzeniami o karierze pisarskiej wyjecha do Bostonu. W Bostonie ukaza si pierwszy tomik wierszy E. A. Poe Tamerlane and Other Poems (1827r.). Szczupe wydawnictwo nie spotkao si z zainteresowaniem na jakie liczy mody poeta jednak pozwolio mu na poprawienie swego wizerunku w oczach przybranych rodzicw. Rwnoczenie, z braku dostatecznych rodkw utrzymania, jako Edgar Allan Perry, Poe zacign si do wojska gdzie wytrzyma dwa lata. Dziki protekcji ojczyma udao mu si dosta do Akademii Wojskowej w West Point, lecz brak pienidzy spowodowa, e i tych studiw nie skoczy. W midzyczasie zmara macocha Edgara (John Allan w 1830r. oeni si ponownie). Konflikty z ojczymem narastay i po kolejnej ostrej sprzeczce, Poe zerwa ostatecznie kontakt z przybranym ojcem. Tym samym pozbawi si skromnej pensyjki, ktr ojczym przesya na czas nauki w West Point. Wyjecha do Baltimore, gdzie zamieszka ze swoj ciotk Mari Poe Clemm i jej dziemi: Virgini i Henrym. Opowiadania i wiersze, ktre w tym czasie pisa, nie znajdyway zainteresowania. Przekonany o ich wartoci, Poe opublikowa kolejne zbiory poezji: w 1829r. jako nowe, rozszerzone wydanie ukazao si Al Aaraaf, Tamerlane and Minor Poems a niedugo pniej Poems (1831). Jednak wydawnictwa te rwnie nie przyniosy mu oczekiwanego powodzenia. Jednoczenie prbowa swoich si take w prozie. Wanie tu, podczas pobytu u ciotki w Baltimore, Edgar zacz tworzy swoje pierwsze opowiadania. Bra udzia w konkursach literackich, pocztkowo bez wikszych sukcesw. Prbowa take znale prac w tamtejszej gazecie, niestety bezskutecznie. Tymczasem pomau rozkwitao uczucie Edgara do swojej modszej kuzynki, Virginii. Zdobycie w 1833r. pierwszej nagrody w konkursie literackim na opowiadanie MS. Found in a Bottle (Rkopis znaleziony w butli) zwrcio na poet uwag pisarza J. P. Kennedy'ego, ktry pomg mu w uzyskaniu dwa lata pniej posady redaktora pisma "Southern Literary Messenger" w Richmond. Mimo wielkich zdolnoci i niewtpliwych sukcesw poeta ustpi z tego stanowiska w 1837r. Jednak zanim zrezygnowa ze swojej pierwszej posady, 16 maja 1836r. Poe polubi sw niespena czternastoletni kuzynk Wirgini Clemm. Zapocztkowao to kilka szczliwych lat w jego yciu. Wraz z on i ciotk wyjecha do Nowego Yorku, gdzie w 1838 roku ukazaa si The Narrative of Arthur Gordon Pym (Opowie Artura Gordona Pyma z Nantucket), jego pierwsza i jedyna powie, a stamtd do Filadelfii (1839 - 1844). Przez ten czas wsppracowa z czasopismem E. Burtona "Gentelman's Magazine"(1839 - 1940) i "Graham's Magazine" (1841 - 1842). Niektre

The cost and benefits of cross boarder merger, merger and acquis Essay

The cost and benefits of cross boarder merger, merger and acquis - Essay Example A history of boom in this trend is shown in these comments, â€Å"They skyrocketed in the1990s reaching a pick in 2000 with the booming stock markets and the larger degree of financial liberalization worldwide, declined sharply in 2001 and 2002 and rebounded again with new developments in the world economy after 2003.† [Coeurdacier, DE Santis & Aviat, 2009] In case of merger two firms are combined and one firm is formed from them and acquirer assumes all the assets and liabilities of the target company. A merger may be friendly, hostile, strategic or financial; some other popular types of mergers are horizontal merger, vertical merger, congeneric merger, conglomerate merger. An acquisition which is also known as â€Å"takeover† or â€Å"buyout† is takeover of any firm by another firm by purchase of its assets or common stock. Like merger an acquisition may also be friendly or hostile. Before deciding any merger or acquisition companies evaluate it completely to check whether it should be pursued or not as it is quoted â€Å"Before going for any merger or acquisition, both the companies calculate the costs of mergers and acquisitions to find out the viability and profitability of the deal.†[mapsofindia] In order to evaluate the mentioned viability and profitability companies use different sort of valuation models and techniques, some of these methods are listed below. One of the major benefits of Cross border mergers and acquisitions is that they allow firms to diversify their country risks as by expanding in foreign country, decreases firms overall performance’s sensitivity to its country risk. Moreover mergers also result in diversification of business risk. Some other benefits resulted from mergers and acquisitions include synergy, economies of scale, fund raising, tax benefits, defense against takeover, ownership liquidity, reducing competition and access to proprietary and new products or services. The factor of

Key Responsibilities Presentation Essay Example | Topics and Well Written Essays - 750 words

Key Responsibilities Presentation - Essay Example Rationale: The smooth implementation of tasks and responsibilities of security personnel need an efficient system of interaction between officers of the organization, the safety and security investigators and the rest of the personnel in terms of addressing issues concerning security, safety, emergency plans, as well as business continuity measures. The role of the security personnel is very critical in ensuring that there exists a workable system to ward off danger and to prevent any harm in the organization. These encompass the following specific responsibilities such as: (1) Maintains a registry of research projects and/or proposals involving security and safety of the organization; (2) Reports incidents of problems of safety or non-compliance; (3) Prepares reports regarding significant deficiencies, noncompliance, or other emergency issues to be forwarded to management for proper and immediate action; and (4) Reports any repairs immediately necessary for facilities used for security and safety of the organization such as: CCTV cameras, checking alarm systems, among others. Rationale: Actually, in addition to these reports, as discussed during the modules on disaster response, incident command system and business continuity plan, the security personnel have obligations to comply with reportorial documents needed to ensure safety and security of personnel such as incident reports on accidents, falls, disasters, emergencies, and the like. Rationale: The security personnel should maintain the file of important contact numbers such as the National Response Center, the State Emergency Response Commissions, Local Emergency Planning Committees, Fire departments, Police deparments, among others. In the module discussing response scenarios and disaster response and business continuity measures, the critical role of the security personnel in reaching the proper authorities could not be