Saturday, June 27, 2020

Despite High Student Loan Balances, Millennial Parents Are Saving for College

With unique attitudes toward saving, spending and family life, millennials have become the most talked about generation in history. Their financial behaviors have been shaped by the post 9/11 recession and student loan crisis, so it's no surprise they tend to be risk-averse investors who feel it's important to save for college ï ¿ ½ regardless of how much debt they owe. These 19-36 year olds (in 2017) are being criticized for delaying home ownership and spending too much money on avocado toast, yet they're saving more than any other generation. According to a study from Merrill Edge, on average millennials put away 19 percent of their income per year. That's more than Boomers and Gen Xers, even though millennials typically have smaller salaries and more credit card and student loan debt. But it's what they're saving for that's been making recent headlines. Retirement isn't always a priority The Merrill Edge Report suggests that younger workers are more concerned with being able to achieve financial freedom than planning for traditional retirement. They're also more likely to spend money on travel, dining out and fitness than put away money for the future. (Yet 60 percent of millennials aren't counting on Social Security to be around when they leave the workforce). What's more, according to a study from T. Rowe Price, millennial parents prioritize education for their children and having an emergency fund over planning for retirement. High aspirations for college Millennials have student debt, but they don't want their children to. Savingforcollege.com's 2017 Annual College Savings Survey, which was administered to website visitors who were researching college savings options, revealed that nearly half (47%) of parents ages 25-34 carry a student loan balance. What's more, T. Rowe Price's study found that millennial parents owed an average of $9,180 in student debt, and $11,995 in other debt, yet those who were saving for college were putting away an average of $310 per month. Two-thirds of these parents are confident that they'll be able to pay off their student loans before their children go to college. Where are they getting the money to save? According to the study, millennial parents are willing to cut back on eating out and entertainment spending, and spend less on themselves in order to free up funds for college savings. Bringing costs down is another common strategy. Respondents of Savingforcollege.com's study were planning to apply for scholarships and focus on less expensive schools. But it's not just millennials who are planning for college - parents across the board appear to be concerned about higher education expenses. Savingforcollege.com's survey revealed 68 percent of respondents had already started putting money away, up from 62 percent last year and 41 percent in 2015. The majority (81%) of these parents are investing in 529 plans, which offer tax-free investment growth and tax-free withdrawals when the funds are used to pay for college. The study also showed that misconception about 529 plans appear to be declining, suggesting that they've become a more mainstream investment product, at least among more affluent parents. RELATED: Top 10 financial mistakes millennial parents make With unique attitudes toward saving, spending and family life, millennials have become the most talked about generation in history. Their financial behaviors have been shaped by the post 9/11 recession and student loan crisis, so it's no surprise they tend to be risk-averse investors who feel it's important to save for college ï ¿ ½ regardless of how much debt they owe. These 19-36 year olds (in 2017) are being criticized for delaying home ownership and spending too much money on avocado toast, yet they're saving more than any other generation. According to a study from Merrill Edge, on average millennials put away 19 percent of their income per year. That's more than Boomers and Gen Xers, even though millennials typically have smaller salaries and more credit card and student loan debt. But it's what they're saving for that's been making recent headlines. Retirement isn't always a priority The Merrill Edge Report suggests that younger workers are more concerned with being able to achieve financial freedom than planning for traditional retirement. They're also more likely to spend money on travel, dining out and fitness than put away money for the future. (Yet 60 percent of millennials aren't counting on Social Security to be around when they leave the workforce). What's more, according to a study from T. Rowe Price, millennial parents prioritize education for their children and having an emergency fund over planning for retirement. High aspirations for college Millennials have student debt, but they don't want their children to. Savingforcollege.com's 2017 Annual College Savings Survey, which was administered to website visitors who were researching college savings options, revealed that nearly half (47%) of parents ages 25-34 carry a student loan balance. What's more, T. Rowe Price's study found that millennial parents owed an average of $9,180 in student debt, and $11,995 in other debt, yet those who were saving for college were putting away an average of $310 per month. Two-thirds of these parents are confident that they'll be able to pay off their student loans before their children go to college. Where are they getting the money to save? According to the study, millennial parents are willing to cut back on eating out and entertainment spending, and spend less on themselves in order to free up funds for college savings. Bringing costs down is another common strategy. Respondents of Savingforcollege.com's study were planning to apply for scholarships and focus on less expensive schools. But it's not just millennials who are planning for college - parents across the board appear to be concerned about higher education expenses. Savingforcollege.com's survey revealed 68 percent of respondents had already started putting money away, up from 62 percent last year and 41 percent in 2015. The majority (81%) of these parents are investing in 529 plans, which offer tax-free investment growth and tax-free withdrawals when the funds are used to pay for college. The study also showed that misconception about 529 plans appear to be declining, suggesting that they've become a more mainstream investment product, at least among more affluent parents. RELATED: Top 10 financial mistakes millennial parents make

Tuesday, May 26, 2020

The Essay Samples Can Help You If You Are Trying to Succeed in Your English Course

The Essay Samples Can Help You If You Are Trying to Succeed in Your English CourseA lot of people have asked me about 'the score'gre scores'. They are not the same thing. Gre score is an exam or exams that can be taken in order to determine the GRE score a student needs to score over the required requirements for entrance into the school of their choice. For those who are new to this, let me explain.The GRE score is used to decide whether a person will be admitted into their college of choice. These essays test the students' ability to present knowledge and interpret their writing skills. In other words, the test consists of both the essay and the personality tests. When these are completed correctly, they will give you a score which will then be used to calculate your score. The best way to prepare for these is to find an English school which offers these courses.These English courses are the ones that offer a minimum of seven subjects to the students. However, most schools only off er three to four subjects. In order to get a perfect score, you need to focus on writing and analysis skills. To learn more about these topics, I recommend you read my article 'Gre Score and the Essay Samples.'For those who are wondering what a GRE score is, it stands for Graduate Record Exam. It is used by many universities to gauge a student's proficiency in the English language. These are done by taking a different type of tests in order to ascertain if the student is capable of speaking and writing properly. As soon as you finish the GRE exam, the scores will be ready for you to use.You can find GRE essay samples on the internet. You can also read your scores online and review them at a later date.There are a lot of online companies that sell GRE essay samples. These usually come in very good quality and can help you prepare for the test. The Essay Samples can also help you if you are working on a college application.You have to keep in mind that these are available in different formats such as PDF, Microsoft Word and Microsoft Excel. Be sure to choose the one that you prefer.

Monday, May 18, 2020

St. Louis And New Orleans - 1606 Words

Kate Chopin was born Katherine O’Flaherty on February 8, 1851, in St. Louis, Missouri, into a socially prominent family with roots in the French past of both St. Louis and New Orleans. Her father, Thomas O’Flaherty, an immigrant from Ireland, had lived in New York and Illinois before settling in St. Louis, where he prospered as the owner of a commission house. In 1839, he married into a well-known Creole family, members of the city’s social elite, but his wife died in childbirth only a year later. In 1844, he married Eliza Faris, merely fifteen years old but, according to French custom, eligible for marriage. Faris was the daughter of a Huguenot man who had migrated from Virginia and a woman who was descended from the Charlevilles, among the earliest French settlers in America. Kate was one of three children born to her parents and the only one to live to mature years. In 1855, tragedy struck the O’Flaherty family when her father, now a director of the Pacific Railroad, was killed in a train wreck; thereafter, Kate lived in a house of many widows — her mother, grandmother, and great-grandmother Charleville. In 1860, she entered the St. Louis Academy of the Sacred Heart, a Catholic institution where French history, language, and culture were stressed — as they were, also, in her own household. Such an early absorption in French culture would eventually influence Chopin’s own writing, an adaptation in some ways of French forms to American themes. Chopin graduated from theShow MoreRelatedImportance of Louis Armstrong1568 Words   |  7 PagesLouis Armstrong Louis Armstrong was the greatest of all Jazz musicians. Armstrong defined what it was to play Jazz. His amazing technical abilities, the joy and spontaneity, and amazingly quick, inventive musical mind still dominate Jazz to this day. Only Charlie Parker comes close to having as much influence on the history of Jazz as Louis Armstrong did. Like almost all early Jazz musicians, Louis was from New Orleans. He was from a very poor family and was sent to reform school when he was twelveRead MoreThe French Quarter New Orleans1145 Words   |  5 PagesThe French Quarter, one of the oldest neighborhoods in New Orleans, is one of the most classic and flourishing areas in Louisiana. It is also known as Vieux Carrà ©, which is French for Old Square. It was established by the French in 1718 and it was a valuable site for trade because of its location along the Mississippi River. It was first in the hands of the French, then it was given to the Spanish, then the Louisiana Purchase took place, and ever since it has been in the hands of the United StatesRead MoreTransportion Problem1020 Words   |  5 PagesRefineries | * New Orleans, Louisana * Charleston, South Carolina * Seattle, Washington | DistributionCentres | * Pittsburg, California * Atlanta, Georgia * Kansas City, Missouri * San Francisco, California | Texago is a growing organization amp; so is its market share. The Board of Directors have therefore decided to add another Refinery to expand the output. The three prospective Refineries are Los Angeles, Galveston amp; St. Louis, Missouri. The addition of the new refinery willRead More Louis Armstrong Essay1336 Words   |  6 Pages Louis Armstrongs Influential Career Louis Armstrong’s Influential Career Louis Armstrong was the most successful and talented jazz musician in history. His influence and expansive career continues to make waves in the jazz world. That is what made him become what he is to many today – a legend. Born on August 4, 1901, in the poorest section of New Orleans, Armstrong grew up with his grandparents due to his parents’ separation. On January 1, 1913 he made a mistake which turned out to be theRead MoreThe History and Influence of Jazz in America Essay example852 Words   |  4 Pagesstarted some believe jazz started in New Orleans. Work it way up toward other major cities throughout in Midwest, such cities as Memphis, St. Louis, and Chicago have their own unique style of jazz. While the city of New Orleans was founded in 1719 by French men and for years was Ran by Spain. Until France took back control of the land in 1803, and immediately sold the land to the Americans as part of the Louisiana Purch ase. The city of New Orleans brings a new perspective on life with the love ofRead MoreKate Chopin s Story Of The Hour Essay982 Words   |  4 Pages1904 but according to Kate Chopin Biography, several of her short stories appeared in an anthology within five years after her death, others were reprinted, and slowly people came back to read her stories. Catherine (Kate) O’Flaherty was born in St. Louis, Missouri on February 8, 1850. She was the second of Thomas O’Flaherty and Eliza Faris. Kate grew up speaking French and English because her mother’s side was of French extraction. Since Kate was bilingual and bicultural, her influence of FrenchRead MoreJazz Influences on the 20th Century1158 Words   |  5 Pagesjazz was at its peak. Most of the jazz scene started in New Orleans. Other major cities throughout the Midwest, such as Memphis, St. Louis, and Chicago have their own unique style of jazz. While the city of New Orleans was founded in 1719 by the French, it was run by Spain for years. France took back control of the land in 1803, and immediately sold the land to the Americans as part of the Louisiana Purchase. The city of New Orleans brought a new perspective on life with the love of good food, wineRead MoreJazz : The Emergence Of Jazz1301 Words   |  6 Pagesmany great musicians, and its ties are in the melting pot of New Orleans. Jazz has a variety of styles to listen to and also has man y diverse musicians to experience these diverse sounds from. Jazz is a great form of music. Its different styles and musicians give it diversity, while strengthening ties to the African American community. It grew out several different forms of music in the melting pot of the United States known as New Orleans, in the 1800s, where African American, European, AmericansRead More Early Jazz Essay1136 Words   |  5 Pagesappeared in the city of New Orleans and eventually moved onto Chicago, St. Louis, Kansas City, and New York City. Jazz unites different elements of African, African- American, religious, brass brand, and blues style of music. The music of Jazz, and its changes through the years, is now a form of music that is known and respected throughout this nation and the world. nbsp;nbsp;nbsp;nbsp;nbsp;Jazz music is a blending of both black and white tradition and heritages. New Orleans was the center of manyRead MoreLouis Armstrong Essay850 Words   |  4 PagesLouis Armstrong Louis Armstrong was born in New Orleans, Louisiana on August 4, 1901 to Mayanne and William Armstrong. His father abandoned his family during Louis infancy. Louis spent the first years of his life with his grandmother, Josephine Armstrong. After age five, Louis moved back with his mother and his sister, Mama Lucy. The family was forced to live in stark poverty. Louis got into some trouble when he was just 12 years old and was placed in the Waifs Home for Boys. It was

Saturday, May 16, 2020

The Conflict Of Police Brutality Essay - 802 Words

We, as humans, come into conflict on a daily basis at all times of the day. We encounter conflict on all levels in our home lives, social lives, entertainment and careers. Conflict is also brought to our attention second and third handedly through word of mouth and the mass media and the internet. Personally, locally, nationally, and globally conflict and problems surround us. Instead of addressing personalized conflicts, I would like to attempt to provide critical analysis on a crucial social issue facing the United States. This issue is police brutality, especially against minority, particularly black Americans. I will attempt to do this with the root cause tool of critical analysis and problem solving. The conflict of police brutality has made national and international news. It has also sparked a new social movement. While police brutality is not limited to minorities, the rate that it used against African American individuals is alarming. To further the problem, no pe rpetrator has been brought to justice and the victims and their families are left behind or blamed. I will be using Root Cause Analysis model of critical analysis. This strategy consists of five steps. They include: Define the Problem Collect Data Identify Possible Casual Factors Identify the Root Cause(s) Recommend and Implement Solutions This unit’s readings onShow MoreRelatedThe Conflict Of Police Brutality And Racial Profiling858 Words   |  4 Pagesis focusing on the prominent conflict of African American males and police officials in Western nations, focusing directly on the American South. In the late 1920’s African Americans in the U.S.A, were hopeful that their struggle against racism was nearing a successful conclusion with the start of the NAACP (National Association for the Advancement of Coloured People). For many years, especially for people not of colour, racism, racial discrimination and police brutality were â€Å"hidden† from the mainstreamRead MoreThe Social Problem Of Police Brutality1458 Words   |  6 Pagesproblem I would like to conduct sociological research on is the use of excessive force used by members of the police department in recent unconscionable shootings of unarmed civilians. With all the recent attention that the people of Ferguson Missouri and New York City h ave been able to rise on this issue, making it a media sensation, it seemed like a good topic to discuss. Police brutality is an egregious, ongoing problem in our society that, until just recently, has been accepted as a sad fact ofRead MoreThe Truth About Police Brutality Against Minorities754 Words   |  4 Pages Police brutality is one of the most serious human rights violations in the United States and it occurs everywhere. The reason why I chose this topic is because police brutality happens all the time in the United States and still remains unrecognized by many. Additionally, the public should be knowledgeable about this topic because of how serious this crime can be and the serious outcomes that police brutality can have on other police officers and the public. The job of police officers is toRead MorePolice Brutality And The United States Essay1408 Words   |  6 PagesPolice brutality in the United States has escalated in recent times. To develop a peaceful environment amongst human beings, one of the main topics to look at is human rights. While more often than not, police brutality violates the concept of human rights it is still a very important task to discuss the topic and create possible solutions to such a concerning and threatening issues in the United States. In this case, statistics is a very important factor that is required to display how serious ofRead MorePolice Brutality a Violation of Human Rights980 Words   |  4 Pages Police brutality is one of the most serious human rights violations in the United States and it occurs everywhere. The reason why I chose this topic is because police brutality happens all the time in the United States and still remains unrecognized by many. Additionally, the public should be knowledgeable about this topic because of how serious this crime can be and the serious outcomes that police brutality can have on other police officers and the public. The job of police officers is to maintainRead MoreArgumentative Essay : Police Brutality1561 Words   |  7 Pageshas been an overwhelming amount of police brutality in recent years. Police brutality can be defined as, when a police officer uses more force than necessary. This issue has spread throughout the United States of America, and is putting the lives of our citizens in great danger. Police brutality is not only physical, but it can also be verbal attacks; and, in most cases, it is caused by false arrest and racial profi ling due to police corruption. Police brutality has been and continues to be a majorRead MorePolice Brutality Is Very Today s Society866 Words   |  4 PagesPolice brutality is extremely prevalent in today’s society. Police brutality is a police officer deliberately using excessive force, psychological attacks, and verbal abuse during law enforcement activities with the population. This unjust brutality is fueled from law enforcement taking action based on emotion or abusing the authority that has been given to them from the government. These actions are causing people, primarily minority groups, to rebel against law enforcement, and inexcusably createRead MoreAnalysis Of The Article Racism And Brutality By Cassandra Chaney1226 Words   |  5 PagesIn the article, Racism and Brutality in America, author Cassandra Chaney presented the case of Rodney King, a forty-seven year old African-American taxi driver, who was brutally attacked four LAPD police officers. According to her novel, the aim of her study was â€Å"to examine how the public generally perceive police and how race and racism shape this discourse.† Unfortunately, the public was left clueless. Rodney King’s case was left unfinished as the media never released any studies of implicationsRead MoreEssay 21110 Words   |  5 PagesApril 29, 2015 Professor Christian Heisler ENG-103(Argument Essay) Police Brutality has become a serious topic in today’s time being that every time you turn on the TV you see them mention another act of violence from the police and since that were in 2015, cellphone cameras are being used to capture every single second of it, so it won’t become he say, she say evidence. According to Salem Press Encyclopedia, police brutality is abuses of authority that amount to serious and divisive human rightsRead MorePolice Brutality1314 Words   |  6 Pages Police brutality Those of the minority community have been subjected, for many decades, to violence by those in law enforcement in the United States. This type of violence is a direct depiction of police brutality, which often leads to death. Police brutality has been an issue for many years, and it remains a major concern for those of the minority community. Over the past five centuries, black people have endured violence in many different ways. Today, police officers use deadly, excessive force

Wednesday, May 6, 2020

Beauty And The Beautiful Beast A Discussion Of Gender...

Beauty and the Beautiful Beast: A Discussion of Gender Roles and Abusive in Twilight The main premise of Stephenie Meyer’s popular novel Twilight involves a romance between two teens: Bella Swan, who is seventeen, and Edward Cullen, who is also seventeen, but has been that age for over 100 years because he also just so happens to also be a vampire. Though their romance has been described as desirable by many who have read the book, and has even been compared to Romeo and Juliet, it has also been argued that the relationship between the two lovers is much unhealthier than it seems on the surface. Having been described as a stalker, abusive, and even a psychopath, many critics of the novel say that Edward is anything but the desirable partner, and warn that his relationship with Bella in Twilight represents outdated gender norms and may not be good for young girls to be viewing as a â€Å"normal† relationship. Despite the novel s romanticization of him, Edward is an obses sed stalker with no interests or friends other than his â€Å"family† (six other vampires) and Bella. He lures her with money, cars, and clothes—all of which she claims she does not want—to isolate her from connection with others. When she originally attended her new school, Bella had managed to make a few new friends. However, after Edward criticizes them as being â€Å"shallow,† Bella immediately cuts herself off from them. After they begin dating, Bella becomes completely dependent on Edward, as he is from then on oneShow MoreRelatedThe Effects of Scientific Racism on Black Women Essay5776 Words   |  24 Pagesenslavement of Africans in the New World. During this period women of African descent were raped and abused. They were deemed as sexual beings and were used not only as producers but also as reproducers, to replenish the enslaved population. This latter role was also perpetuated through the rape of enslaved African women by their white slave masters. Thus, the health of these women was negated for the welfare of the plantation system. This system was justified by scientific racism and my essay will showRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 PagesComprehensive Cases Indexes Glindex 637 663 616 623 Contents Preface xxii 1 1 Introduction What Is Organizational Behavior? 3 The Importance of Interpersonal Skills 4 What Managers Do 5 Management Functions 6 †¢ Management Roles 6 †¢ Management Skills 8 †¢ Effective versus Successful Managerial Activities 8 †¢ A Review of the Manager’s Job 9 Enter Organizational Behavior 10 Complementing Intuition with Systematic Study 11 Disciplines That Contribute to the OB Field 13 PsychologyRead MoreLogical Reasoning189930 Words   |  760 Pages.................................................................................. 474 Inferring from Correlation to Causation......................................................................................... 479 Criteria for a Causal Relationship................................................................................................ 481 Criteria for Creating Good Explanations ........................................................................................ 483 Assessing

The Effects Of Posttraumatic Stress Disorder ( Ptsd )

Posttraumatic stress disorder (PTSD) is unquestionably a debilitating disorder as stated in the earlier part of the paper emphasizing that PTSD diagnosed individuals are at higher risk for violent behaviour, undoubtedly affecting relationships and society as a whole. Additionally important to PTSD and violence is the increased likelihood for suicidal behaviour (Dell’Osso et al., 2009; Marshall, 2001; Oquendo et al., 2005; Poindexter, 2015; Tarrier Picken, 2011). Suicidal behaviour can be defined as the formation of suicidal ideas, leading to planning the act, which may or may not lead to killing one’s self (Tarrier Picken, 2011). Although suicide is no longer a criminal offence in Canada (Department of Justice, 2013), this study†¦show more content†¦However, patients with major depression comorbid with PTSD and aggression had higher rates of suicidal behaviour than patients with major depression alone (Oquendo et al.), leading the reader to believe that ag gression was the underlying factor of suicide. The results, nonetheless, were not statistically significant (Oquendo et al.). Aggression, on the other hand, was not a mediating factor for suicidal behaviour with patients that had independent diagnoses of PTSD and cluster B personality disorders (Oquendo et al.). Also important to note, the study pointed out that women were more likely to be diagnosed with major depression and PTSD than men, and that women who were diagnosed with PTSD had a higher probability of being abused. Two years later Oquendo et al. (2005) completed another study; their findings were more comprehensive. First, they measured the comorbidity of major depression with PTSD as they did in their previous study, and compared the results with individuals that had major depression and no PTSD. The study indicated that PTSD increased the risk for depression and that pre-existing depression influenced the symptomatology of a traumatic event. This meant that a perso n with PTSD has a higher risk of acquiring major depressive disorder, and as a result may experience the impact of a traumatic event with

Thanksgiving and Christmas Comparison and Contrast Essay Example For Students

Thanksgiving and Christmas Comparison and Contrast Essay Thanksgiving and Christmas Comparison and Contrast Essay: For most of us, in the United States, Thanksgiving and Christmas are very important holidays. Aside from both of them being in winter, They are traditional holidays for the union of family. In the United States, when children grow up, they usually leave the comfort and security of their parents home in order to build lives of their own. Thanksgiving and Christmas gives them a chance to return home and visit with their parents. These holidays also give parents a chance to be more intimate with their children Thanksgiving and Christmas are the holidays when people show more concern and compassion for others. There are some differences between the two holidays, Thanksgiving Day, is the holiday that you give thanks to God for a plentiful harvest, it involves not only thanks but also giving it is a time when people help those who are poor and less-fortunate then themselves. Its origins can be traced back to 1621 when the Pilgrim settlers celebrated their first harvest by enjoying a great feast with their newfound Native American friends. An American holiday, we celebrate Thanksgiving Day much like the Pilgrims did with turkey, stuffing, pumpkin pie, and the company of family and good friends it is now celebrated on the forth Thursday in November. Christmas Day, an international holiday, is celebrated in a number of countries, it is the Christian holiday that celebrates the birth of Jesus Christ, because we do not know the exact date for Christs birth, we choose December 25th as the birthday of Jesus. On Christmas day you go to Church where you take part special religious services. In order to celebrate the birth of the Son of God, Christmas is a day for spreading joy, good cheer, and the word of God. Much like Thanksgiving, Christmas is also a time for giving thanks, not only for a good harvest, but for all that you have, family, love, and the freedom of choice. It is a time for the exchange of gifs, out of love for one another, a time for families to enjoy each other the company of friends, a time to try and bring a little happiness to all you come into contact with, a time of forgiveness. Thanksgiving Day and Christmas are both very important holidays for families. They provide a good chance for families to get together and communicate with each other. They promote peace, health, plenty, happiness and good will toward men. In this time of moral decline, both give you a break from the day-to-day grind in this rat race we are confronted with to day, and gives you a chance to get back to our roots. .