Retirement and old age Essays

Retirement and mature age Essays Retirement and mature age Essay Retirement and mature age Essay Retirement and mature age Many individuals decide to resign when they are qualified for private or open annuity benefits, albeit some are compelled to resign when states of being no longer permit the individual to work anything else (by sickness or mishap) or because of enactment concerning their position. These days most created nations have frameworks to give benefits on retirement in mature age, which might be supported by businesses or potentially the state. In numerous less fortunate nations, support for the old is still for the most part gave through the family. In numerous western nations this privilege is referenced in national onstitutions. The standard retirement age shifts from nation to nation however it is by and large somewhere in the range of 50 and 70 (as per most recent insights, 2011). The rundown incorporates 91 nations, home to 89 percent of the universes old. Sweden best the rundown, trailed by Norway and Germany. It is intriguing to take note of that Japan, where the yearly occasion of older individuals regarding turned into a national occasion 50 years prior, just barely arrives at the best ten. Additionally, Austria, which in a comparable, ongoing overview by Forbes, was at the highest priority on their rundown, was excluded from this review by any means. Our nation involved 60th osition, in front of Poland, Serbia, Ukraine, Moldova and Russia. The most awkward nations for the old to be living are Pakistan, Tanzania and Afghanistan. The investigation shows that the marker of GDP per capita is a poor one for old individuals. For instance, less fortunate nations like Mauritius and Sri Lanka are high up on the rundown on account of their dynamic social arrangements, while the USA, with every one of its wealth, is just in eighth spot. Specialists considered, not just the pay of the individuals who are more than 60, yet in addition their condition of wellbeing, instruction, business, ideal condition and their social action. The quantity of individuals of respectable age is developing, and by 2050 there will be in excess of 2 billion of them. As per estimates, the measure of older individuals in Belarus will arrive at 28 percent in the following 12 years. The most youthful individuals, adolescents, individuals in their 20s, are the least glad pack. Theres a great deal of vulnerability and you are framing your personality and youre not so much sure what your identity is. You probably won't have the certainty that you have when youre more seasoned. In any case, the studies show that individuals will in general get more joyful as they get more seasoned and that pinnacle happens genuinely late. By DianaSea

Leaman brother Research Paper Example | Topics and Well Written Essays - 500 words

Leaman sibling - Research Paper Example ublish its budget report so when the fiscal summaries were discharged to people in general, the fiscal reports may delineate that the bank had cash and was paying its account holders (Hallman 1). When a time of seven or less days had passed and the record proclamations were distributed, the bank repurchased sold resources. Anton Valukas was doled out the obligation of investigate the matter of Lehman Brother and uncover the explanations behind its tumble down. Valukas states that the Repo 105 exchange was first detailed by Mathew Lee who was a worker of Lehman. Lee began by detailing the exchanges to the administration of Lehman and later announced the discoveries to the organization’s reviewing firm, Ernst and Young and no moves were made (Hallman 1). When the firm could no longer enjoy Repo 105, it needed to begin portraying that it was exceptionally utilized and didn't have cash to take care of its obligation and at last the bank petitioned for financial protection. Because of this few partners needed to encounter material just as enthusiastic misfortunes. The primary partners who were adversely affected incorporated the organizations that had loaned cash to the bank, the investors of the bank and its representatives. At the point when the organization failed there were in excess of 25000 representatives working for them and a significant level of them needed to encounter joblessness and social and mental related with it (Corelli 326). Moreover, the investors needed to lose their cash since the organization was not performing great and it has been recorded that because of the tumble down of the organization around $10 trillion assets were infused out of the value markets (Corelli 326). It is accepted yet not yet demonstrated that the CPA firm called Ernst and Young (E&Y) was engaged with the monetary misrepresentation directed by Lehman Brother. They are said to have been associated with the concealment of this misrepresentation. Because of these claims against the CPA firm a few common claims were documented against the firm after the breakdown of Lehman Brothers. These claims

Financial accounting (Asset, liability, revenue, expense and sale) Essay

Money related bookkeeping (Asset, obligation, income, cost and deal) - Essay Example Further those are named substantial or immaterial resources. Utilization of fixed resources is discounted to benefit and misfortune account as devaluation. Liabilities are of two sorts, to be specific current liabilities and non-current liabilities. Liabilities whose commitment to pay emerge inside a time of a year or in a business cycle are called current liabilities. These are grouped in accounting report on liabilities side as ‘current liabilities’ and furthermore incorporate the present commitments (emerging inside a year) of long haul liabilities. It might likewise be appeared as reasoning from current resources so as to figure net current resources. Long haul liabilities or non-current liabilities are those are expected to be paid past a time of a year or a business cycle. These are demonstrated independently than current liabilities on risk side of monetary record. Costs: Expenses for the most part result from increments in liabilities or diminishes in resources. For instance lease for utilization of business premises builds the present liabilities and in this manner brings about costs. Costs are deducted from all out income or pay in a salary articulation or benefit and misfortune account so as to figure benefits or misfortunes during a bookkeeping period. Costs might be income consumption or non-income use Revenue costs are utilized to register benefits or misfortunes of the business. Non-income costs are by and large added to resources in regard of which those are caused. Deal: Sale of merchandise happens on move of possession to the purchaser and receipt of significant worth or guarantee to the business estimation of such products. Deals are perceived as income from standard business of element. The merchandise managed in are those in the customary course of business of the substance. Deal is treated as income or salary in the benefit and misfortune represent reason for figuring of benefit or misfortune earned during the bookkeeping time frame. Deals that are

Drinking age Essay Example | Topics and Well Written Essays - 1500 words

Drinking age - Essay Example Utilizing the exploration directed in 2005 by White and Hayman by means of ‘Australian Secondary School Students and Drug Use Survey’, reports show that roughly 40% out of tests from the 16-multi year-old drinking Australian populace admitted that guardians bear boss impact in alcoholic utilization. Moreover, such discoveries had no significant difference from among the individuals who got impact from companions through the friend weight of drinking on a week by week premise. Still the inquiry remains what age must one be lawfully permitted to drink and to what degree should it be endured comparative with different types of compulsion. White and Hayman (2006) analyzed whether parental control of drinking might be ascribed to the event of hazardous drinking for transient mischief (RSOD) and liquor related troublesome practices, for example, physical and boisterous attack from an example of underage consumers. Research shows that 86% of young people 16-17 years old are existing liquor purchasers while some 20% give off an impression of being week after week RSOD and over 34% engage in any event one instance of liquor connected issue with direct. In addition, it is discovered that insignificant prohibiting of liquor drinking for youth 18 isn't basically adequate. New designs for proper intervention and shirking are evidently fundamental as per the investigation of parental request that was figured to affect lesser paces of RSOD and liquor related social conduct. This somewhat infers the probability that by changing the typical gracefully of liquor from the source other than the guardians to the guardians alone, the mo ve may realize great limitation to the measure of utilization and injury among the young people. Be that as it may, as much as parental direction toward liquor gracefully control is viewed as one positive methodology, it is very unexplored and should in this way experience intensive examination as promising other option (Dietze, Livingston,

Reading Pathways Valentine De Landro

Reading Pathways Valentine De Landro Valentine De Landro will be speaking at Book Riot Live 2016, November 12 and 13 in New York City. Valentine De Landro is an illustrator, artist, and designer who has been working in comics for years, creating art for superhero comic books with Marvel and DC, other licensed properties like Buffy: the Vampire Slayer, and now his own creator-owned comic with Kelly Sue DeConnick. Not sure where to start with his work? We’ve got you covered! Cover by Valentine De Landro I first discovered De Landro through Bitch Planet, the feminist sci-fi prison colony series he co-created with Kelly Sue DeConnick in 2014, and I would recommend you start there. Bitch Planet tells the story of several women deemed “non-compliant” by the government, sent to be rehabilitated on the Auxiliary Compliance Outpost Bitch Planet, as it were. Bitch Planet houses thieves and murderers, but also women who just don’t fit within the patriarchal system. Women who don’t accept being cheated on by their husbands. Who are fat. Who talk back. Who stand up for themselves. In issue 4 one of the inmates, Kam, is looking through the files of her fellow non-compliant women and many of their crimes I’d be proud to commit: political incitement, development and distribution of gender propaganda, criminal literacy… De Landro’s art is essential to the comic, contributing enormously to the exploitation/grindhouse movie feel. He honestly depicts women’s bodies, bodies with shape s we rarely get to see in any media, and does it without shame or sexualization. Start with the first trade paperback, Bitch Planet Volume 1: Extraordinary Machine, but it’s worth picking up individual issues as well, which come with bonus feminist essays not included in the trade. After that, check out De Landros run on Marvel Knights 4, starting with issue 19 (collected in Marvel Knights Fantastic Four, Vol. 4: Impossible Things Happen Every Day). Its the beginning of a short arc about the Inhumans, who you may be familiar with from Marvels Agents of S.H.I.E.L.D. tv show. Even if youre not, there is enough exposition for a newbie to jump on board. This series, focusing on the Fantastic 4, continues the sci-fi tone from Bitch Planet and is a great jumping on point for De Landros superhero work. I could stare at his drawings of the Thing for hours. For more superhero comics, try X-Factor. De Landro penciled many issues of this Marvel comic about a detective agency for mutants, but Id recommend starting with issue 39 (collected in X-Factor Vol. 7: Time and a Half). It works well as a standalone story, answering the question “Whats it like when mutants have babies?” De Landro’s art conveys both the wonder and the horror of becoming a parent, and may make you cry. Lastly, read the Adventures of Superman #17, another collaboration with Kelly Sue DeConnick. Adventures of Superman was a digital-first anthology series published from 2013-2014. It contains stories written and illustrated by various people, published online first in chapters containing one story each. De Landro and DeConnick’s story was published in chapter 50, collected in issue #17. It’s a cute romance between Lois Lane and Superman as they get and give each other presents for Valentine’s Day. It’s as witty as any DeConnick comic, and De Landro’s art expertly conveys Lois and Clark’s emotions through sparse linework. Sign up to The Stack to receive  Book Riot Comic's best posts, picked for you. Thank you for signing up! Keep an eye on your inbox.

Justifying research methodologies in the economic world - Free Essay Example

This Chapter will discuss the methodology used in this research. The justification for the chosen methodology will also be analysed. It will also look at the data collection technique and the approach to be used for analysis to arrive at the findings. Exploratory research such as structured questionnaire will be used to obtain the primary data. This questionnaire was analysed using both the qualitative and quantitative approach. The primary data will also be supported with secondary data such as text books, journals, and the banks website. The goal of this research is to critically analyse Operational risk Management is UK banks, a case study of Barclays UK retail bank. JUSTIFICATION FOR THE CHOICE OF METHODOLOGY According to Saunders, (2007), a research strategy can be exploratory, descriptive and explanatory, taking an inductive or deductive approach. Whatever the case, it is important that the choice of strategy is guided by the research questions, objectives, the extent of existing knowledge , amount of time and other resources available and the researchers philosophical underpinnings all geared towards answering the research questions and meeting the researchers objectives. The three main research strategies are; Exploratory research strategy, according to Creswell, (2009) explores a phenomenon by using quantitative data in the interpretation of qualitative findings. It is particularly useful for a researcher who wants to explore a phenomenon and at the same time expand on qualitative findings. Saunders, (2007) however, noted three principal ways of conducting exploratory research; Literature search Interview of experts in the subject Conducting focus group interviews. D escriptive research strategy is used to gain insight of the variable of interest as it naturally exists and to capture interesting, behaviours that occur naturally (Gravetter and Forzano, 2009). The Observational research, survey research and case study research are the three researches are seen as the different types of descriptive research. Explanatory research strategy studies a situation or a problem in order to establish a causal relationship between variables. Quantitative and qualitative data are therefore used in explorative research strategy (Saunders, 2007). These strategies make use of two distinct approaches; the Induction and Deduction approach. Induction approach observes a relationship in a single case which will be used to observe in several other cases in order to construct a general theory to cover all the cases. The deduction approach simply uses theory to observe particular observations (Gilbert, 2008). For the purpose of this study and in order to achieve the aims and objectives of this research, the researcher will combine the descriptive and explanatory research strategies, using the inductive approach. This is because a framework or theory will be used to analyse a case study. The descriptive research will further portray the accurate profile of the events or situations in the case study. The researchers choice of descriptive strategy will be the use of Survey and Case study research and Archival research. Survey strategy will be used to collect quantitative data which will be analysed quantitatively using descriptive method. The researcher will also be able to bring out possible reasons for particular relationship between variables. The merits of this method, according to Saunders (2007) are that the researcher will have control over the research process. The samples generated will also be a representation of the whole population. However, the limitation is that this process is time consuming as the analysis is depend ent on the respondents. However, the respondents might be bored with the questions if the questions are much. Yin, (2009) describes a case study as an empirical enquiry that investigates a contemporary phenomenon in depth and within its real-life context especially when the boundaries between the phenomenon and context are clearly not evident. This, he argues makes a case study distinct from all other researches. Saunders, (2007) emphasized on the importance of case study saying it has the ability to answer the questions on Why, What and How with particular emphasis to What and How. The data collection techniques employed in a case study are usually observation, interviews, documentary analysis and questionnaires. A case study can either be single or multiple case study (Yin, 2009, Saunders, 2007). Single case study provides the research an opportunity to observe and analyse a phenomenon, hence single case study defines the actual case. On the other hand, a multiple case study es tablishes a benchmark, using the findings of a first case to analyse the other cases. In addition, a case study can be holistic or embedded. It is holistic when the research is on a single organization as a whole and it is embedded when a number of sub-units within an organization are used for analysis. A multiple case study will be employed in this research as the research will engage in assessing the actual performance of the operational risk framework of Barclays UKRB against its policy framework. The researcher will issue questionnaire, one to the senior management, the managers, supervisors and the staff. This aim is to analyse how operational risk is viewed at the top and how its implementation at the bottom. This will give an in-depth analysis and draw a single set of cross-case conclusion. Archival research makes use of archival records by using administrative records and documents as the principal source of data (Saunders, 2009). The historical undertone however does not mean its only historical documents, modern documents can also be used. These products are important as they form part of the day to day activities of the organization in order words they are part of reality being studied. Archival research also has its limitations. Some documents are classified confidential documents and as such might not be accessed. Secondly, the available data might not contain the information needed or meet the objectives of the researcher (Saunders, 2009). This research will make use of archival documents sourced from annual reports, independent sources and company websites. This will be used to support the survey, explanatory and descriptive strategies. This will give an in depth knowledge on the activities of the banks, culture and strategy thereby helping the researcher achieve the research objectives. RESEARCH DESIGN To illustrate, before a good building is put in place, there is an initial design by an architect who has a style. A research design deals with the aims, uses, intentions and purposes of research. It also deals with the constraints of location, time, money and availability of staff. Just like an architect, a research design has its own unique style with the researchers preference and ideas (Hakim, 2000). The three approaches to research are Qualitative, Quantitative and Mixed method research. Qualitative research explores or understands individuals or group attributed to social or human problem (Creswell, 2009). Woods, (2006) noted that a good qualitative research focus on natural settings, interest in meanings, perspective and understanding, emphasizes on process and uses an inductive analysis and grounded theory. He however lists eight methods of qualitative research as observation, interviews, sampling, written materials, questionnaires, validity, ethics and qualitative research assessed such as documentary analysis, observation and interviews. Qualitative research is also seen as a situated activity which locates the observer in the world (Ritchie and Lewis, 2003). This is usually subjective because the researcher interprets the data based on participant observation, in-depth interviews, observation of data collected etc. One good advantage is that the researcher tends to be in control of the research. Qualitative research technique is also more likely to present better quality results and easily interpretable findings (Pickard, 2007). Ritchie and Lewis (2003) emphasized on the importance of a qualitative research when they stressed that their natural and interpreting approach is attached to the meaning that individuals ascribe to beliefs, actions, values and decisions. Robson (2003) highlights on the richness and fullness of the qualitative research, emphasizing on its ability to restore a subject in as real a manner as possible. Quantitative Research is a means for testing individual theories by examining the relationship among variables which can be measured with instruments, using statistical procedures to measure numbered data (Creswell, 2009). The quantitative method also referred to as being realist or sometimes positivist aims to uncover an existing reality (Muijs, 2004). One good advantage of Quantitative research is its simplicity and lack of ambiguity (Gilbert, 2008). Surveys are the most common type of quantitative method. Mixed Method research combines both the quantitative and qualitative methods. This method is increasingly used for business and management research. It uses the quantitative and qualitative data collection techniques and analysis procedures. The mixed method performs the triangulation method by using two or more independent sources of data collection to corroborate research findings .It also uses qualitative methods to explain the relationship between quantitative variables (Saunders, 2009, Creswell , 2009). This research will employ the mixed method research, using questionnaires, written documents, documentary reports and secondary data to support the analysis. Mixed method is highly recommended for case studies as it helps the investigator address a broader range of historical and behavioural issues. The findings are however accurate and convincing (Yin, 2009). However, the limitation of this method according to Yin, (2009) is that it can be overly burdensome and more expensive than the single method. DATA COLLECTION Two methods of data collection to be employed are the Primary and Secondary data collection methods. A questionnaire will be issued to respondents through online software (Qualtrics) who will answer the same kind of questions. This is because it is an efficient way of collecting responses and opinions from a large sample before analysis. It also gives individuals the opportunity to express their honest views anonymously without fear or prejudice. Secondary data will be collected from secondary sources such as annual reports, Barclays bank websites, intranet, independent sources and online sources. This will be used to complement the primary data. DATA ANALYSIS The data collected using from the primary source which is the questionnaire will be analysed using both excel spreadsheet and SPSS which will run descriptive statistic to identify trends and patterns in the data set. Simple relationships using bar charts, histograms, line graphs, and scatter plots will be developed with excel. More in-depth analysis will then be carried out using SPSS which will investigate the relationships between the identified metrics and provide significant values based on the analysis. The choice of SPSS was because of its ability to do statistical analysis in addition to data management (case selection, file reshaping, creating derived data) and data documentation. The descriptive statistical process will be used to confirm the normality of the distribution of the data set. Some of the exploratory analysis will test for normality in the data set. A normally distributed data set will have 68% of the data fall within 1 standard deviation of the mean, 95% of the data will fall within 2 standard deviations of the mean, and almost all (99.7%) of the data will fall within 3 standard deviations of the mean. Correlation analysis will be used to describe the strength and direction of the linear relationship between two metrics and will quantify how much two uncertain quantities vary together and the relationships between them. The qualitative data will however be used to support the quantitative analysis.

An Intrusion Prevention System ( Anthem ) - 1282 Words

With another breach hitting the news (Anthem), I often wonder when companies will learn a lesson, a right lesson even. What I found fascinating about the recent Anthem breach, was that it was an employee of Anthem that discovered that something was wrong. Not a firewall, not an intrusion prevention system, not an intrusion detection system, not a web application firewall, or any other of the dozens of technologies I could mention. According to news reports [1], a database administrator noticed queries made with his/her account, that they never made. The employee reported it, and the trickle effect occurred spurring the notification of Anthem being breached. Kudos to the alert employee, and shame on the technology that failed Anthem. That in itself - â€Å"shame on the technology† - was not a fair statement but was somewhat meant to get your attention. Did it work? For all of the technology corporations throw into an infrastructure to prevent, mitigate, detect, and or correct breaches, why is it that so many are failing? I could quickly point a finger at any vendor, product, or technology but the reality is, and will continue to be, people failed. The thought processes from the professionals whose task it is to secure an infrastructure often lag so far behind the curve I wonder if many are fit to associate the word security in their profession. It will not matter what technology is put in place if the threats are not fully understood. This in itself is also a problem theShow MoreRelatedHow Does Network Security Work?2835 Words   |  12 Pagesbehavior Common Controls: -Segmentation -Host Anti-Virus and intrusion prevention -Access Control -Secure Configuration -Monitoring, reporting, and alerting Segmentation -Separating your critical infrastructure or sensitive data from general access. -Use of VLANs (Virtual local area networks. -Using firewalls -Using an IPS Host Anti-Malware and Intrusion Prevention -Hardening all devices on the networks. Access Control -User Log-in -System-to-system authentication -Control of network segment access -RestrictingRead More1000 Word Essay85965 Words   |  344 PagesSubstance Abuse Program ..................... 29 ACS - Army Community Service ........................... 32 ACES - Army Continuing Education Center ................... 34 AER - Army Emergency Relief ............................ 37 Army Sexual Assault Prevention and Response Program ........... 40 EO - Equal Opportunity ................................ 44 AFAP - Army Family Action Plan .......................... 48 ARC - Army Red Cross ................................. 50 Army Reenlistment / Retention ProgramRead MoreSda Manual Essay101191 Words   |  405 PagesFounded on Divine Principles Correct organization is of God; it is based on divine principles. â€Å"System and order are manifest in all the works of God throughout the universe.†Ã¢â‚¬â€Testimonies to Ministers, p. 26. The myriads of stars that speed through space move in perfect order. In the structure of every plant that grows and in every living creature we have a marvelous demonstration of order and system. In heaven there is absolute, faultless organization. â€Å"Angels work harmoniously. Perfect order characterizes