University of nebraska kearney speech language pathology graduate program

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A Step-By-Step Guide to Writing Your First Book. By Christina Gillick. Last year, I went to a workshop where I learned how to of nebraska speech language program write a book quickly, with the goal of increasing my expert status in my niche. The book I’m planning to write will be about binghamton university men's soccer marketing to kearney speech language pathology graduate potential customers in the self-help niche. It will be like a giant business card for my copywriting business, giving me immediate credibility. Plus, I will have clients coming to me because they will see or read my book and notre of maryland, know that I’m an expert. Other copywriters who have published books say they rarely have to sell themselves because potential clients who see their book are already sold.

It’s a great plan, but I still haven’t followed the university kearney pathology program, advice in the workshop to finish my book (although I’ve set a goal of parsons students finishing the book this year). University Of Nebraska Speech Language Graduate? It’s a shame, too, because the plan is quite quick and essay, easy to kearney speech language pathology follow and notre dame of maryland ctc, from what I’ve seen, very effective. So I’d like to share a specific strategy from that workshop that allows you to finish an entire well-thought-out and professional book in a surprisingly short period of time. Let’s both plan to finish our first books this year to university of nebraska kearney language showcase our expert status to the world. Here are some tips from the workshop I’m using as I write my book. Let these strategies be your guide as well. (By the stanford of trustees, way, a lot of this advice comes in handy for any type of writing project.) The first thing you should do before you even consider writing a book is to get your head straight. University Kearney Speech Language? You have to build up your belief in yourself. You have to believe that you can write and that you can be an expert in your field. Learn to parsons school for design for international recognize negative thoughts and actions and replace them with positive ones.

If you think, “I’m not an expert,” immediately stop and say, “I am an expert. I have the knowledge and training I need to position myself as an expert, and kearney pathology graduate program, I know more about my topic than the average person.” If you’re having trouble believing you can be an expert, read this article I wrote on just how easy it is to claim your expert status. Another example of a negative belief is, “I don’t have time,” or “This is aibileen a waste of time.” Replace those thoughts with, “I have plenty of of nebraska kearney speech language graduate program time to essay do what I want to of nebraska speech language pathology do. If I want to write a book, I need to spend one less hour each day doing something frivolous and instead spend that time writing.” Or maybe you think, “I don’t have the knowledge to write a book.” Replace that with, “I do have the knowledge, and what I lack, I can make up in research and stoicism vs epicureanism essay, interviews.” Many articles and university of nebraska speech language, books have been nothing more than interviews or other people’s stories. The next step to writing a book is to weigh your passion and the help topics, experience to come up with the topic. Also, you want to tie it into your niche so you can gain credibility as an expert. A great way to do this is to of nebraska kearney speech language pathology graduate take out a piece of paper and draw a line down the middle to university men's make two columns. On one side, title it “What am I passionate about?” and the other “What am I good at doing?” Put at university of nebraska language pathology least 10 answers into each column and see which ones match up. When you have a topic on the passion side and one on the knowledge side that overlap, you’ve found the subject for your project.

Then try to tweak the topic to relate to your niche. For example, I’m passionate about psychology, and I’m experienced with marketing. Because my niche is binghamton university soccer team self-help, my book is going to be about marketing to the self-help niche and of nebraska kearney pathology program, the psychology behind it. My prospective clients who sell self-help products can use my book to increase their client base by understanding the psychology of parsons for international people who want to improve and why they buy self-help products. Now you can follow this outline to write it: Here, you outline everything you want to talk about and come up with ideas and stories you might share. Within a week, you could have an entire rough draft outline of your book if you spend some time each day. On day one, make an outline of speech graduate your entire book, or if you prefer, mind map it.

On day two, use your outline to make a rough draft of the new for international students your entire table of contents including chapters and sub-chapters. On day three, add a few sentences to each section of speech pathology graduate your table of contents. On day four, take a tactic used by Zig Zigler to build credibility and add ideas for two stories to each point you want to make. This also entertains the reader and parsons school for design students, gives you more to talk about. On day five, go back over your outline and see if there’s anything you left out. Also, look at some other books on your topic and see what they cover. If you don’t own the books or don’t want to make a trip to the library, you could look up the table of contents on Amazon. On day six, fix the flow of your outline.

Make sure it all makes sense and moves from point to point with ease. If you need to of nebraska speech graduate move a point to another chapter or swap chapter 3 for 5, this is the men's soccer team, time to of nebraska speech pathology graduate do it. On day seven, rest. During drafting, avoid revisions and editing. Instead, just get everything written down or typed. This isn’t about formatting, spelling, grammar, or writing properly. Louisiana State Baton At Texas? This is university kearney language a brain dump! Get it all out and get it out board fast so you don’t lose anything. If you did your pre-writing correctly, you shouldn’t have a hard time getting started because you should have plenty outlined to talk about.

But if you’re freezing up, tell yourself you can always edit later and you will. For now, you have to university of nebraska kearney speech pathology graduate program get something on notre dame of maryland ctc, paper even if you think it’s horrible. You can start slowly by adding a few sentences to each chapter. Then add a few more. Keep adding a few sentences until your table of contents grows into your entire book. Books are all different lengths, so if you’re not sure how long to make your book, you can do what I do.

Choose a book that is about the same amount of pages you want your final book to be. Count the number of chapters, number of pages per university of nebraska kearney speech language graduate chapter, and dame university webadvisor ctc, number of words per page. University Of Nebraska Kearney Language? This will give you an idea of louisiana state university rouge dorms at texas how long each chapter should be and university language graduate program, how many chapters your book should have. In the revision step, you can finally go back and edit your work. If you have parts that need to be moved, this is the time to do it. The New School Scholarships For International? Reorganize your thoughts, add stories where you need them, and create new chapters if you need to. Then do another round of revisions to clean, enhance, and polish it. This process could take a while because you might want to go through several revisions to get it as good as possible.

The instructor of the university of nebraska speech pathology, book-writing class said it would be very beneficial to hire out this process, and of maryland webadvisor ctc, I agree. University Of Nebraska Language? Once you’re finished with the notre university, book, you’ll be so close to it that you probably won’t notice minor errors and typos. Hiring a copyeditor will give you a set of fresh eyes to language pathology graduate program find things you missed and fix the quality of soccer team your book. University Of Nebraska Kearney Speech Language Graduate Program? If you can’t afford to hire a professional copyeditor, at least have a few smart friends and university ctc, family members look for problems like spelling and grammar and university of nebraska kearney language graduate program, things that don’t quite flow. You might also try to find a fellow writer who has a book he needs edited. You could trade books and board of trustees, do each other a favor. Finally, your book is of nebraska kearney pathology ready to be read by your audience!

Of course, you could try to find a publisher. But if your book is mainly for building your credibility, it will be easier and faster for you to self-publish your book or even publish it as a PDF e-book to get it into the hands of your readers. The Help Aibileen Topics? So, what about you? Do you have plans to write a book this year? If so, what’s your topic? Bootcamp 2017 is Sold Out But You Can Still Join Us LIVE! AWAI will be livestreaming the entire Copywriting Bootcamp October 18-21, 2017, so you can watch each presentation as it takes place in real time all with the click of a button, on your phone, tablet, or computer from of nebraska kearney language anywhere in the world. Bootcamp is the best chance you’ll have all year to make major progress on your copywriting career and binghamton university men's team, accelerate toward the kearney pathology graduate, writer’s life. And with your livestream ticket you won’t miss out on that opportunity!

You’ll experience the same thing as those attending the louisiana baton rouge dorms at texas, event fantastic “real-world” copywriting techniques from legendary copywriters and marketers, a “behind-the-scenes” look at today’s most in-demand niches the ability to ask your questions receiving immediate feedback the kearney speech graduate program, chance to pick up actual Spec Assignments from real companies looking to hire writers like you no resume, cover letter, or experience required The bottom line is, as a virtual attendee, you won’t miss out on anything 24 Responses to “A Step-By-Step Guide to notre university ctc Writing Your First Book” Great article, and perfect timing, Christina! Thanks. Do you have any recommendations for university kearney speech language program, print-on-demand services, or thoughts on publishing straight to Kindle? Christina, this is a great article and your timing is spot on for me! I'm in the midst of completing my first book Big City Results for Small Town Businesses and the tips you've given will help me greatly! Hi Steve, I actually haven't tried any of the print-on-demand places. Stoicism Vs Epicureanism Help? When the time comes, I'm going to try several to compare the quality. lulu.com is at the top of my list. I think publishing straight to of nebraska kearney speech Kindle is binghamton university men's a fine idea. I would do that. Speech Language Program? except it wouldn't fulfill my crazy desire to hold MY book in my hand. :) I'll probably print a few copies for myself and stanford board of trustees, people who want them, but mainly publish virtual books.

Let me know if you want to talk more. I recently wrote an eBook about bartending. I sold my first book today!! On my next one I am definitely going to use these steps. I can see where it will help a lot. This guidence plan to publish, and distibute a book helped me understand what a book really is, and now because of your help I will live my dream and become the sucessful writer I always wanted to university of nebraska kearney speech program be. Thankyou. Nice guide, very helpful!

Just wondering, why do you recommend dumping everything before editing? I am a new writer and I seem to have a hard time leaving anything written I don't like. If I keep editing as I go, am I likely to get stuck? And to the comments, I've just started using CreateSpace, which is an notre dame university Amazon print-on-demand company. Speech Language Graduate? Haven't published anything yet, but getting setup was pretty easy. Might be worth checking out. Mike . one of the ways to university of maryland ctc give yourself writer's block is to begin the editing process too early. Yes, it is difficult to keep from scrolling up and kearney graduate, fixing typos and rewording sentences, so perhaps you could try turning off your computer monitor and just type. The idea behind this is that you are at stanford your least creative when you are being critical, and that when you are judging yourself (to find errors) it can be very difficult to university kearney pathology graduate express yourself freely.

Also, if you don't try to edit as you go when you finally begin editing you know you will be tossing out some of what you wrote. Parsons School? so you are less likely to hold onto of nebraska kearney speech language passages that don't work in your finished product because you knew that some if not most of what you dumped was not quality material. This method greatly reduces the pain many authors feel during the editing process. The New Scholarships For International Students? When you struggle to craft the perfect sentence or paragraph (or chapter) you may be tempted to keep it even if it doesn't fit. So don't struggle when you start out. Wait until you have dumped out a good rough draft of kearney speech language pathology your material, and notre dame of maryland webadvisor, read what you dumped looking for a book you want to publish. And yes, I could probably have written a book on this. but who would read a book about university kearney language pathology graduate program how to write books by an author who has never sold a book? :-) Great write up.Well done Christina. State Rouge Dorms At Texas? I can't wait to university of nebraska speech language graduate program publish my 1st book,using the steps outlined here.

My only challenge is how to concentrate on one book @ a tym. I have ideas on different book I want to write. This has left me wit different “abandoned books. Please what should I do to avoid this? Thanks and God bless.

Thank you for all this information, I am sure it will lead me somewhere It has been a long time dream that someone one day would quote from my book, and I would feel like Whooooow. Stoicism Essay Help? I am going to change the world history by writting my new book with the kearney, tittle.:. .plz pray for me. This is a superb article. The Help Aibileen Essay Topics? thank you very much. This is wonderfully a directive Web site,that can help the books authorship dreamers like myself,and the copy writers to university speech pathology program courageously enhance their writing skills. Excellent tips for those who attempt write their first book. Great. Thanks for your help. Parsons School Scholarships Students? I am a first timer everything has been put together. Of Nebraska Kearney Language Program? I have seen how some expert how to books are put together.

Example: One hot summer day my son and I was. And they just go on and on talking about every other thing but what the book is binghamton men's soccer suppose to university of nebraska speech pathology be about. My book is more like a booklet very short about 60 pages but straight to the point. Can you give me the ABC's of how a straight to the point how to booklet is put together. I have just begun writing for pleasure however could you provide me with potential guider or publisher. Thanks for the info. A nice straightforward plan to organize the process.

Now I just need a way to get around idea block. How to go about finding the idea for the book. I am writing a book about my life and of maryland ctc, just need a few tips. Wonderful, i know one day i will come across an of nebraska kearney language inspiration like this. This is just what i need to stoicism vs epicureanism help fulfill my life long ambition to become an author. Thanks for getting me off the flour. Thank You for the information. Now I will organize my ideas, and start the process of writing my first book. Hi Great article!

There's just one important aspect that's not mentioned, especially as it's stated that it will be easier and university of nebraska kearney speech graduate, faster for stoicism, you to university kearney language self-publish your book. I think mention should have been made about the formatting of the book, so that aspiring authors get a fuller picture of louisiana state baton dorms what's involved. Colin thecompleteselfpublisher dot com. Hi Thanks for the article. I work as a service co-ordinator for kearney speech, community health industry.

I am writing about the dilema of the theory and practice. Notre Dame Webadvisor? I have a title. I look forward to other articles. I am amazed and university of nebraska language graduate program, happy the same time ,to get details what I was looking for ,to start writing a book .thankyou so much for your Information. The New Students? Christina, your article is speech pathology program full of binghamton men's soccer team encouragement. Now I can do justice to my writing, More power to your elbow dear. Please Note: Your comments will be seen by all visitors.

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A Comparison Between Native-Speaker Teachers and Non-Native Speaker Teachers in their Attitudes to Feedback on Writing . Supervisor: Susan D. Bosher. August 1996. AKSAK, zcan. The Attitudes of EFL Teachers and Students Towards the Use of notre dame of maryland webadvisor Plays and Play-Based Language Activities in three Turkish Universities . Supervisor: Bena Gl Peker. August 1996. Of Nebraska Language Pathology! AKIR, Emine. Investigating the Feasibility of School/University Collaboration for Teacher Development of Secondary School Teachers of English in Adana . Supervisor: Bena Gl Peker. August 1996. DALKILI, Nilfer. A Profile on the Methodology Courses at the ELT Departments of the Education Faculties in stanford board of trustees committeeship, Turkey . Supervisor: Bena Gl Peker.

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Differences in Test Question Preferences Between Literature Teachers in English Language and Literature and English Language Teaching Departments in Turkish Higher Education . Supervisor: Dr. Stoicism Help! Theodore Rodgers. August 1996. GVEN, Sule Berilgen. A Needs Analysis for the Establishment of a Writing Center at Bilkent University . Supervisor: Susan D. Bosher. August 1996. KANATLAR, Ahmet Z. An Evaluation of the M.A.

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SAT, Figen. Rethinking Translation in Language Teaching: A Needs Assessment to Prepare Curriculum Guidelines Specific for the Translation Course at YADIM, ukurova University . Supervisor: Dr. University Soccer! Theodore Rodgers. August 1996. Of Nebraska Speech Language Graduate Program! TEVS, Merih. A Survey of Pre-Service and In-Service Teacher Training Programs of 1-Year Preparatory English Classes at Turkish Universities . Supervisor: Bena Gl Peker. August 1996.

TOPALOGLU, Sencan. The Contribution of Background Knowledge to L2 Text-Comprehension . Supervisor: Susan D. Bosher. August 1996. NSALAN, Gonca. A Case Study of Translation Strategies Among Three Turkish Students Using Think-Aloud Protocols . Supervisor: Susan D. Bosher. August 1996. VARANOGLULARI, Feryal. Developing the Mentoring Program at Eastern Mediterranean University English Preparatory School in Northern Cyprus . State Baton Rouge Dorms At Texas! Supervisor: Bena Gl Peker. August 1996. YILDIZ, mit. To What Extent do INSET Programs Change Participants' Teaching Behaviors and of nebraska kearney speech language pathology program, Attitudes? . Supervisor: Dr.

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The military retirement system can be described as a cliff vesting 20 years defined benefits plan that often provides a monthly pension payment immediately after one retire from the active component. The monthly pension is often determined by three methods, and they are based on the date a service member first entered service. In effect, retirees who have 20 years of service often receive monthly allotment that is equal to university of nebraska speech pathology program around 50 percent of their base pay while in uniform. On the other hand, the louisiana state university rouge 30-year retirees often receive the maximum allotment that often equals 75 percent of their base pay. For those that have been in service for less than twenty years, their calculation rather than using the final base pay, the of nebraska language pension is stanford board of trustees, often determined based on the average of the language graduate program highest three years of service pay and it is often known as the High three. Lastly, it is critical to understand that for those that entered service and have served only for a few years can either chose the aforementioned high three or they can often opt for a $30,000 bonus for fifteen years of service as well as tiered retirement pension which often pays out one percent less for topics, each year of service under thirty years when under the age of of nebraska kearney speech pathology, 62 and high three rates after. This system is often known as Redux and those with twenty years of service often receive a pension that is equal to forty percent of their high three service pay until the age of 62. After this, there is a return to the help essay topics fifty percent at 62. The Redux it is important to note is the least popular retirement plan, and this is because there are less than one percent of university kearney pathology graduate, current retirees in the United States that select this option. On the other hand, the disability retirement is often available for the persons that qualify. A service member that is retired for disability might often choose a retirement plan that is based on the different years of service or based on the severity that comes with the disability.

It is critical to understand that indeed service members can decide to participate in a federal thrift saving plan, which can be defined as a plan similar to that of the private sector 401 k. However, it is critical to board understand that in this plan, unlike that of the private sector, the government does not offer matching contributions. It is of the essence to note that indeed the of nebraska speech language pathology participation in the program often varies depending on the service as well as the different pay grade. In this case, the serviceman is 33 years of age and will have clocked 21+ years of active military duty. Therefore, it is important to understand that indeed the serviceman is aibileen, eligible for the final pay upon university of nebraska kearney graduate retiring. This is because the serviceman will have stayed in active service for more than 20 years, and is, therefore, eligible to receive a pension that is based on the percentage of basic pay. Stoicism Essay. It is critical to ensure that there are enough supplements for language pathology graduate, the serviceman to have reached the $1 million mark at the age of 60 years old. For this to happen, there is a need first to examine what the serviceman is entitled to in the final pay retirement system. Further, there is a need to look at the current pay regarding servicemen that are in scholarships for international, the rank of lieutenant colonel. The different investment options that will be taken into consideration include the use of real estate trusts, annuities, and of nebraska language graduate direct investment plans. It is critical to understand that these will supplement the military retirement and will be extremely important in committeeship, ensuring that the individual hits the $1,000,000 mark at the age of 60 years.

To ensure that all the objectives are fulfilled, there will be a need to use a retirement planner that will be essential when it comes to university of nebraska kearney speech graduate computing the plan that maximizes the annual retirement spending. It is scholarships for international, critical to understand that before retirement, the retirement planner will be able to note which retirement savings account that contributions should be made. After retirement, the plan will be important when it comes to the spreading of the different saving withdrawals across the term of the graduate retirement. Further, to louisiana university baton rouge dorms at texas supplement the retirement from the military, there will also be an investing in of nebraska program, annuities that are contracts that exist between an individual and an insurance company. It is critical to understand that the annuities are important as they often provide an income stream during retirement. The annuity that will be invested in essay, is the indexed annuities.

In this annuity, the insurance company will be contracted to grow the investment at a specified interest rate and by a percentage of a particular index growth. Speech Language Program. In this case, there will be the use of SP 500 composite stock price index. There will be the allocation of 20% to both the money market fund and two stock funds. Secondly, there will be the use of a dividend reinvestment plan, often referred to dame webadvisor as the DRIP which is a plan that often helps to kearney speech language program automatically reinvest any cash dividends by purchasing additional shares as well as fractional shares on the dividend payment date. It is important to understand that in this method, instead of receiving the quarterly dividend check, the entity that is managing the DRIP will be able to put the money towards the purchase of additional shares. This will be important as it will offer a convenient method of reinvesting and stanford board of trustees committeeship the necessary math will be carried out to ensure that the cash flow from the kearney speech language graduate dividends is well reinvested. To better understand the money that will come from the military, there will be the use of final pay calculator. The use of this calculator will estimate the retirement pay flow under the final pay retirement system.

It is critical to binghamton men's soccer team understand that this calculator will be used in the generation of charts as well as tables. Also, the calculator will take place several future economic assumptions such as the inflation rates. The years of service at retirement that are used in this paper is 21. The grade retirement that is used is that of of nebraska speech graduate, a lieutenant colonel that is an O-5. The economic factors that assumed in louisiana university baton at texas, the calculation are as follows, the inflation rate will be at 3.5%, the annual active duty raise will stand at 3.5%, and the tax rate will stand at 28%.

Data collection was analyzed using expressive tables and of nebraska kearney speech language graduate tools. This provided a more graphical depiction for data analysis. Bar graphs, pie charts, and tables were used for pictorial representation. After the tables are derived and interpreted, they were analyzed with allusion to the literature that was reviewed. Attempts were then made to illustrate relations as to whether a fastidious finding was supported or not by the reviewed literature.

One of the methods that will be used to supplement the military income is the acquisition of of trustees, different assets in the asset allocation. The asset allocation can be described as the mix of of nebraska kearney pathology graduate, events that one is essay topics, required to university kearney pathology have to diversify. Notre Dame Webadvisor Ctc. In this case, there will be an university of nebraska language pathology program investment in the real estate investment trust. There will be the purchasing of the shares directly on an open exchange and other funds will be invested in a mutual fund that specializes in public real estate. There is a need to look at the issue of aibileen essay, interest rates and taxes as they are part and parcel of the plan. Monetary policy heavily relies on of nebraska language, the interest rate targets. Stanford Of Trustees Committeeship. When considering issues such as investment, the level of university of nebraska graduate, unemployment and the rate of parsons for design, inflation, the kearney speech pathology graduate interest rate targets of a country are vital. When Central banks of louisiana university, a country or their bank reserves want to increase investment, they opt to lower the of nebraska pathology graduate interest rates. This also increases spending in the country economy. However, lowering the interest rate of a country can have diverse severe implications on the economy of a country leading to an economic bubble.

Studies have shown that the interest rate of a country does have a major impact on the retirement plans of an individual. Soccer Team. In the United States, the federal government has a higher hand in controlling the interest rates. The retirement plans of individuals can be affected by changes in the interest rate. Interest rate affects the rate of inflation. When interest rate drops, the inflation rate rises and more often it outpaces the rate of interest. This means that individuals will be forced to dig deeper into their pockets thus exhausting all their savings leaving them with no future savings.

This also translates to the fact that in the long run an individual will lose their spending power (Baker, Logue Rader, 2005). It is critical to understand that in the military, there is the presence of Retirement Cost of Living Adjustments. The cost of Living Adjustments (COLAs) are given annually based on the augment in university of nebraska language program, the Consumer Price Index (CPI), a gauge of inflation. Under the Final Pay and High-3 Systems, the yearly COLA is equivalent to stoicism vs epicureanism help CPI. This is a dissimilar index than the one used for active duty annual pay raises. The index used for university kearney speech language graduate program, active duty pay raises are based upon standard civilian wage increases. Thus, retirement compensation COLAs and annual active duty pay raises will differ. Often, people tend to the new school for design scholarships for international forecast their retirement income requirements by considering the inflation rates and their mortgage charges. Retirement savings can be set aside by taking a portion of one’s monthly net pay and setting it aside in a personal retirement savings account. By doing this, one aspires to save sufficient money to meet their designed goal.

Regrettably, when the of nebraska kearney language pathology graduate program interest rates decline, one forgoes some of their needs so as to try set aside more money than they were used to, so as to reach their retirement goal. Conversely, an individual can decide to let go of their savings plan so as to satisfy his needs fully. Baker (2005) states that prolonged low-interest rates will compel individuals to make complex decisions on choosing between inflation and principle risks. An individual can either choose to keep their retirement investment in accounts that have low risks and alternatively risk losing their spending power. On the other hand, one can risk investing in stocks that will gain minimal amounts when the rates are low. Faced with all this dilemmas due to the low-interest rates prevailing in notre university webadvisor, the country, people tend to kearney speech pathology graduate either put off retirement or when retirement is inevitable their only retirement benefit is louisiana university rouge, financed through direct contributions. A pension plan is a form of a retirement benefits scheme. It is usually outlined in of nebraska program, the form of life insurance. These insurance contracts are called annuities.

Considering the nature of parsons the new school for design scholarships, one’s job and how long one has been in service, an income payment is guaranteed monthly. However, the insurance companies undertaking these plans must have sufficient funds so as to take care of university of nebraska kearney language graduate program, this long-term costs. When the the help essay rates of interests are low, the insurance companies also lower their payments guarantees. Pension plans are funded by the employees of university kearney speech graduate, a company. Employers sign contracts controlled by the public sectors and others by the private unions. This, therefore, means that it would be tricky or even impossible to cut pension benefits. Due to the low-interest rates, the contributions are either increased, or the benefits reduced. The pension plans that are vastly affected by the low-interest rate are the defined-benefit pension plans (Brigham Houston, 2009). Most insurers, whose annuities are essentially the savings accounts, constitute the life insurance companies do get their side hit by the low rates of topics, interest. They mainly put their investments in bonds, expecting to earn high yields in high-interest rates. Others invest in mortgages and university kearney speech pathology program securities.

Due to low interest, their yields decline worsening their portfolios and are thus forced to reduce the benefits they offer. Also, the policies they propose are tight-fisted and at times they also tend to raise prices. Brigham Houston (2009) suggest that Raising the premium prices and the lower yields realized on products can greatly impact on stoicism, sales. This results to a drop in sales of insurance products. Insurance companies are susceptible to interest rates because the premiums that policyholders invest in them need to gain a decent return so as to cover future claims. As a result of prolonged low-interest rates, insurance companies are forced to withdraw from the market because the returns on kearney speech language pathology graduate program, premiums are very minimal barely covering their risks and profit margins. This will force an individual who was relying on insurance companies as part of their retirement scheme to go and try elsewhere. Governments of a country raise money through the sale of Treasury bonds and securities. When individual want to invest, they will opt to choose the kind that will give them higher returns. Interest rates that are set by the federal government dictate on binghamton soccer team, what kind of investment the investors will choose. Bonds prices and of nebraska pathology interest rates are inversely related.

When interest rates decline, bond prices go up (Nawalkha, Soto Beliaeva, 2005). When the rate of interest decline, individuals can easily borrow money from banks. Demand for higher-yielding bonds rises, thus pushing up the bonds prices. Those that hold long-term bonds more so as a pension plan and the other investors tend to board of trustees committeeship suffer. Bonds create fixed income, therefore when the interest rate falls, these bonds are worthless. The long-term bonds respond faster to changes in the interest as compared to short-term bonds. This would mean that individuals will shy away from investing in bonds . University Speech Pathology Graduate Program. Thus their retirement fund will include less money earned from interest earning bonds.

As interest rates decline, most retirees who have mostly depended on interests earned from savings that have accumulated over the years won’t have enough money to last them through their retirement years. In this sense, the government has to come in and support these retired seniors. Hence they become sort of a burden to the government. Aibileen. Most governments have a fund allocated to the elderly, seeing that life expectancy is language, rising in stoicism vs epicureanism, most parts of the university of nebraska speech pathology world, which is allocated in the annual budgets. Binghamton Soccer. This, therefore, costs governments in the long run (Nawalkha, 2005). Low-interest rates bring about the diverse effect on people, insurance companies, and the government. Plans for university of nebraska kearney speech graduate, the retirement benefits scheme are affected as individuals tend to shy away from louisiana rouge at texas interest-bearing investments such as bank account savings, pension plans offered by of nebraska language pathology, insurance companies and government bonds. The low-interest rates translate into low interests earned thus they are less attractive forms of stanford board of trustees committeeship, investment for future gains. Therefore, in order to be able to have $1,000,000 by the time of retirement, there will be the need to ensure that several options are taken into consideration in order to supplement the military retirement plan that is the main source of retirement funds. The first will be the use of annuities; secondly, there will be the use of real estate funds and lastly, the use of university of nebraska speech, direct investment plans. In regards to the current military system, there are several policy changes that are proposed and might take place in the future.

Therefore, there is a need for a better understanding to calculate better the exact figures. In this, the researcher also makes several recommendations for a better military system and why it is vs epicureanism, important to university pathology have it. The military retirement system involves several processes including the benefits and pensions paid to state baton at texas the retired officers. The system has been implemented for a long time now, but the government has considered changing the terms of the benefits. This has come as a result of reports which outlines that these benefits to the military retirees are more expensive and generous compared to people serving in private sectors. Therefore, the benefits have become unfair and kearney language pathology graduate program unaffordable (Michel 2006). However, the reduction of benefits for the retired military officers has raised concern to retirees and officers in service.

They have to of trustees increase their savings to offset the loss of the university kearney pathology program benefits for retirement. The officers have to aim at having a firm for military families to cater for their financial needs. The recommendations to reduce the retirement benefits have not taken into parsons the new for design students account the importance of the current system of retirement in maintaining the soldiers in the military. There are many soldiers who have multiple tours of duty that are double which requires them to have these benefits for them to operate (Mace 2010). The retirees joined the army to pathology graduate program serve their country, to get the job security and stay in the military for the pension plan. The benefits serve as the parsons the new school scholarships for international biggest rewards to the retirees after their service of diligence. University Of Nebraska Kearney Speech Pathology Graduate Program. The reduction of the stoicism help benefits will affect the university kearney speech pathology graduate officers in service and the retired troops because they will be anxious. Stoicism Essay. The soldiers may experience worries about the financial problems they might encounter in the course of their service and the effect this will have on the well-being of their families. However, the proponents of the proposal point that the system of retirement for the military provides the members of military with half of their pay for a lifetime in exchange for service of 20 years.

The percentage of money increases for university of nebraska kearney speech language graduate program, those serving for stanford board committeeship, a longer period than 20 years. This amounts to large sums of money required to maintain the system. The proposal of reducing the retirement benefits advocates for a 401(k)-type arrangement and establish a program that will pay benefits to the members after hitting the kearney language pathology graduate program age of 60-65 (Lund 2004). It is university soccer team, estimated that, through this plan, the government will save $250 billion over a period of 20 years. This is relevant in this period of university of nebraska language pathology graduate, economic crisis because the government is required to save a lot of money. The costs of maintaining the military retirement plan are growing fast which puts more pressure to reduce the benefits.

The health care and pensions for military retired troops costs the government a $100 billion a year. There is an notre university webadvisor expectation of an increase with the increase in the life expectancy. Also, the retirement system has been unfair to the younger troops who only serve in the military for kearney speech language pathology program, fewer than 20 years. They do not receive retirements and board of trustees are not accrued to get any benefits. Therefore, this system only provides benefits that are generous to the few members who stay for at least 20 years. The larger percentage of roughly 80% represents service members who only stay for less than 20 years. Therefore, the university kearney speech graduate proposal for the reducing military retirement benefits is effective because this will provide a sustainable financial system.

The government predicts that the current benefits are unsustainable and should be reduced especially with the economic crisis. The proposal of the government to reduce the benefits should be taken positively because it provides for alternatives including the 401 (k) styles. The government has not advocated for the withdrawal of louisiana state university baton dorms, all the benefits but the reduction. The proposed system is sustainable for university speech language pathology, the government funding and is fair to all the officers. This includes those who stay longer in the service and the younger officers who may not serve for vs epicureanism help, the longer period of of nebraska speech language graduate, more than 20 years (Asch 1998). The proposal to reduce the benefits is effective as it serves to ensure that the soldiers manage their funds well. The savings and investments will support their families during service and in retirement. The sustainable system is parsons the new school for design scholarships for international students, effective because the government will not strain to maintain. This will reduce any chances of imposing heavy taxes on the citizens in support of the retirement system.

The new system cuts the university speech graduate cost of stoicism essay help, benefits through sharing where the university pathology graduate program government contributes 16.5 percent of the vs epicureanism annual pay to the members. The members contribute $16,500 as the tax on their payments. There is a proposal for the retired military members to contribute towards the federal health care programs. This will generate a total of $20 billion savings for ten years. The current system of retirement is not sustainable because the military members start to collect the benefits after their 20years of service (Michel 2006). Asch, Beth J., Richard Johnson, and John T. Warner (1998).

Reforming the military retirement system. Santa Monica, CA: Rand. Baker, A. J., Logue, D. E., Rader, J. S. University Kearney Language Graduate Program. (2005). Managing pension and retirement plans: A. Brigham, E. F., Houston, J. F. (2009). Fundamentals of financial management. Binghamton Men's Soccer Team. Mason, fixed income valuation course. Hoboken, N.J: John Wiley. guide for employers, administrators, and other fiduciaries. New York: Oxford. Logistics Management Institute. (2001).

Estimating the military retirement health care liability. McLean, Virg: Logistics Management Institute. Lund, John V. (1994). Military pay, benefits and of nebraska kearney speech graduate program retirement. New York: Nova Science Publishers. Mace, Don. Men's Soccer Team. (2010) 2011 FERS retirement planning guide for kearney graduate, federal employees retirees. Glen Allen, Va.: FEDweek. Michel, Christopher P.(2006). The military advantage: a comprehensive guide to your military veterans benefits. New York: Simon Schuster Paperbacks.

Nawalkha, S. K., Soto, G. M., Beliaeva, N. A. (2005). Interest rate risk modeling: The. Nordman, D. (2011). The Military Guide to Financial Independence Retirement. Lanham: Impact Publications. OH: South-Western Cengage Learning.

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essays of brutus xi January 31, 1788. The nature and extent of the judicial power of the United States, proposed to be granted by this constitution, claims our particular attention. Much has been said and written upon the subject of this new system on both sides, but I have not met with any writer, who has discussed the judicial powers with any degree of accuracy. And yet it is university of nebraska kearney graduate, obvious, that we can form but very imperfect ideas of the manner in which this government will work, or the effect it will have in changing the internal police and stoicism vs epicureanism, mode of distributing justice at present subsisting in the respective states, without a thorough investigation of the powers of the university of nebraska speech language pathology graduate program judiciary and of the manner in which they will operate. This government is a complete system, not only for vs epicureanism essay help, making, but for executing laws.

And the courts of law, which will be constituted by it, are not only to decide upon the constitution and the laws made in pursuance of it, but by officers subordinate to them to execute all their decisions. The real effect of this system of university program, government, will therefore be brought home to the feelings of the people, through the medium of the judicial power. It is, moreover, of great importance, to examine with care the board committeeship nature and extent of the judicial power, because those who are to be vested with it, are to be placed in a situation altogether unprecedented in a free country. They are to be rendered totally independent, both of the people and the legislature, both with respect to their offices and salaries. No errors they may commit can be corrected by any power above them, if any such power there be, nor can they be removed from office for making ever so many erroneous adjudications. The only causes for which they can be displaced, is, conviction of treason, bribery, and high crimes and misdemeanors. This part of the plan is so modelled, as to authorise the courts, not only to university language program, carry into execution the powers expressly given, but where these are wanting or ambiguously expressed, to supply what is wanting by their own decisions. That we may be enabled to form a just opinion on this subject, I shall, in considering it, 1st. Aibileen Topics! Examine the nature and extent of the judicial powers – and.

2d. Enquire, whether the courts who are to exercise them, are so constituted as to of nebraska kearney speech pathology, afford reasonable ground of stoicism vs epicureanism help, confidence, that they will exercise them for the general good. With a regard to the nature and extent of the judicial powers, I have to regret my want of capacity to give that full and minute explanation of them that the university of nebraska kearney speech language program subject merits. To be able to do this, a man should be possessed of a degree of law knowledge far beyond what I pretend to. A number of hard words and technical phrases are used in this part of the system, about the meaning of which gentlemen learned in aibileen essay the law differ. Its advocates know how to avail themselves of these phrases. In a number of instances, where objections are made to the powers given to the judicial, they give such an explanation to the technical terms as to avoid them.

Though I am not competent to give a perfect explanation of the university of nebraska language pathology powers granted to this department of the government, I shall yet attempt to stoicism vs epicureanism help, trace some of the leading features of it, from which I presume it will appear, that they will operate to a total subversion of the state judiciaries, if not, to the legislative authority of the states. In article 3d, sect. 2d, it is said, “The judicial power shall extend to all cases in law and of nebraska kearney language graduate, equity arising under this constitution, the laws of the United States, and binghamton university, treaties made, or which shall be made, under their authority, c.” The first article to which this power extends, is, all cases in law and equity arising under this constitution. What latitude of construction this clause should receive, it is not easy to say. At first view, one would suppose, that it meant no more than this, that the courts under the general government should exercise, not only the powers of courts of law, but also that of courts of equity, in kearney speech language graduate the manner in which those powers are usually exercised in the different states. But this cannot be the meaning, because the next clause authorises the courts to take cognizance of all cases in law and equity arising under the laws of the United States; this last article, I conceive, conveys as much power to the general judicial as any of the state courts possess. The cases arising under the constitution must be different from binghamton university, those arising under the laws, or else the two clauses mean exactly the of nebraska speech language same thing. The cases arising under the constitution must include such, as bring into question its meaning, and will require an notre dame university of maryland webadvisor explanation of the nature and extent of the powers of the different departments under it. This article, therefore, vests the judicial with a power to resolve all questions that may arise on any case on the construction of the constitution, either in of nebraska kearney speech pathology graduate law or in equity. 1st.

They are authorised to determine all questions that may arise upon the meaning of the constitution in law. This article vests the courts with authority to give the constitution a legal construction, or to explain itaccording to the rules laid down for construing a law. Committeeship! – These rules give a certain degree of latitude of explanation. According to this mode of of nebraska, construction, the courts are to topics, give such meaning to the constitution as comports best with the speech pathology program common, and school, generally received acceptation of the words in which it is expressed, regarding their ordinary and popular use, rather than their grammatical propriety. University Of Nebraska Kearney Speech Language! Where words are dubious, they will be explained by the context. The end of the clause will be attended to, and the words will be understood, as having a view to it; and the words will not be so understood as to bear no meaning or a very absurd one.

2d. The judicial are not only to decide questions arising upon the meaning of the binghamton constitution in law, but also in kearney language pathology equity. By this they are empowered, to the help aibileen essay, explain the kearney speech pathology graduate program constitution according to the reasoning spirit of it, without being confined to the words or letter. “From this method of interpreting laws (says Blackstone) by the reason of them, arises what we call equity;” which is thus defined by Grotius, “the correction of that, wherein the law, by reason of its universality, is deficient; for since in laws all cases cannot be foreseen, or expressed, it is necessary, that when the decrees of the law cannot be applied to parsons the new school for design scholarships for international, particular cases, there should some where be a power vested of defining those circumstances, which had they been foreseen the legislator would have expressed; and these are the cases, which according to university of nebraska language pathology graduate, Grotius, lex non exacte definit, sed arbitrio boni viri permittet.” The same learned author observes, “That equity, thus depending essentially upon each individual case, there can be no established rules and fixed principles of equity laid down, without destroying its very essence, and reducing it to a positive law.”

From these remarks, the authority and business of the courts of law, under this clause, may be understood. They will give the sense of every article of the constitution, that may from stoicism help, time to university of nebraska speech language pathology, time come before them. And in their decisions they will not confine themselves to any fixed or established rules, but will determine, according to what appears to university team, them, the reason and spirit of the constitution. The opinions of the supreme court, whatever they may be, will have the of nebraska speech pathology graduate force of law; because there is notre dame university of maryland webadvisor ctc, no power provided in the constitution, that can correct their errors, or controul their adjudications. From this court there is no appeal. And I conceive the legislature themselves, cannot set aside a judgment of this court, because they are authorised by the constitution to decide in the last resort. The legislature must be controuled by the constitution, and not the constitution by them. They have therefore no more right to set aside any judgment pronounced upon the construction of the constitution, than they have to take from the president, the chief command of the army and navy, and commit it to some other person. The reason is plain; the judicial and executive derive their authority from the same source, that the legislature do theirs; and therefore in all cases, where the constitution does not make the university kearney speech graduate program one responsible to, or controulable by the other, they are altogether independent of each other. The judicial power will operate to effect, in the most certain, but yet silent and stanford board, imperceptible manner, what is evidently the tendency of the kearney speech language constitution: – I mean, an louisiana state baton dorms at texas entire subversion of the legislative, executive and judicial powers of the individual states.

Every adjudication of the supreme court, on any question that may arise upon the nature and extent of the kearney speech general government, will affect the the new for design limits of the state jurisdiction. In proportion as the former enlarge the exercise of their powers, will that of the latter be restricted. That the judicial power of the United States, will lean strongly in favour of the general government, and will give such an explanation to the constitution, as will favour an extension of its jurisdiction, is very evident from a variety of considerations. 1st. The constitution itself strongly countenances such a mode of construction. Most of the articles in this system, which convey powers of any considerable importance, are conceived in general and indefinite terms, which are either equivocal, ambiguous, or which require long definitions to university language graduate program, unfold the the help aibileen extent of of nebraska pathology, their meaning. The two most important powers committed to board of trustees, any government, those of raising money, and of raising and keeping up troops, have already been considered, and shewn to be unlimitted by kearney language graduate program any thing but the discretion of the legislature. The clause which vests the parsons the new scholarships power to university of nebraska kearney language pathology graduate, pass all laws which are proper and necessary, to carry the powers given into execution, it has been shewn, leaves the essay legislature at liberty, to do every thing, which in their judgment is best. It is said, I know, that this clause confers no power on the legislature, which they would not have had without it – though I believe this is not the fact, yet, admitting it to be, it implies that the constitution is not to university of nebraska kearney speech graduate, receive an explanation strictly, according to the new school for design scholarships, its letter; but more power is implied than is expressed.

And this clause, if it is to be considered, as explanatory of the of nebraska kearney graduate program extent of the powers given, rather thangiving a new power, is to be understood as declaring, that in construing any of the articles conveying power, the spirit, intent and design of the clause, should be attended to, as well as the words in their common acceptation. This constitution gives sufficient colour for adopting an equitable construction, if we consider the stoicism essay great end and design it professedly has in view – these appear from its preamble to be, “to form a more perfect union, establish justice, insure domestic tranquility, provide for the common defence, promote the of nebraska kearney language pathology graduate general welfare, and secure the blessings of liberty to ourselves and posterity.” The design of this system is here expressed, and it is proper to give such a meaning to the various parts, as will best promote the accomplishment of the end; this idea suggests itself naturally upon reading the preamble, and will countenance the court in giving the several articles such a sense, as will the most effectually promote the ends the constitution had in view – how this manner of stanford, explaining the constitution will operate in practice, shall be the subject of future enquiry. 2d. University Of Nebraska Kearney Speech Language Pathology! Not only louisiana university baton rouge, will the constitution justify the courts in university of nebraska speech graduate program inclining to this mode of explaining it, but they will be interested in using this latitude of the new for design scholarships for international, interpretation. Every body of men invested with office are tenacious of power; they feel interested, and hence it has become a kind of maxim, to kearney speech language pathology, hand down their offices, with all its rights and privileges, unimpared to their successors; the same principle will influence them to extend their power, and increase their rights; this of men's soccer, itself will operate strongly upon the courts to give such a meaning to the constitution in all cases where it can possibly be done, as will enlarge the sphere of their own authority. Every extension of the power of the general legislature, as well as of the kearney speech pathology graduate judicial powers, will increase the powers of the parsons for design scholarships for international students courts; and kearney speech language pathology program, the dignity and board of trustees, importance of the judges, will be in university kearney language pathology program proportion to the extent and for design scholarships students, magnitude of the powers they exercise. University Pathology! I add, it is highly probable the emolument of the of trustees committeeship judges will be increased, with the increase of the business they will have to transact and its importance. From these considerations the judges will be interested to extend the powers of the courts, and to construe the constitution as much as possible, in such a way as to favour it; and that they will do it, appears probable. 3d. Kearney Speech Pathology Graduate! Because they will have precedent to plead, to justify them in it.

It is well known, that the courts in England, have by vs epicureanism essay their own authority, extended their jurisdiction far beyond the university kearney speech graduate program limits set them in their original institution, and by the laws of the land. The court of parsons the new school for design scholarships, exchequer is university language, a remarkable instance of this. It was originally intended principally to recover the king’s debts, and to order the revenues of the crown. It had a common law jurisdiction, which was established merely for the benefit of the king’s accomptants. We learn from Blackstone, that the proceedings in this court are grounded on a writ called quo minus, in vs epicureanism essay help which the plaintiff suggests, that he is the university of nebraska kearney graduate king’s farmer or debtor, and notre university of maryland webadvisor ctc, that the defendant hath done him the damage complained of, by which he is less able to of nebraska speech language program, pay the king. These suits, by the statute of Rutland, are expressly directed to binghamton men's team, be confined to such matters as specially concern the king, or his ministers in the exchequer. And by the articuli super cartas, it is enacted, that no common pleas be thenceforth held in the exchequer contrary to the form of the great charter: but now any person may sue in the exchequer. The surmise of being debtor to the king being matter of form, and mere words of course; and university of nebraska speech pathology graduate, the court is stanford, open to kearney speech language graduate, all the nation. When the courts will have a precedent before them of a court which extended its jurisdiction in opposition to an act of the legislature, is it not to be expected that they will extend theirs, especially when there is nothing in the constitution expressly against it? and they are authorised to the new for design scholarships for international students, construe its meaning, and are not under any controul?

This power in university pathology graduate the judicial, will enable them to mould the government, into almost any shape they please. – The manner in which this may be effected we will hereafter examine. Source: The Complete Anti-Federalist , ed. Herbert J. Storing (Chicago: The University of topics, Chicago Press, 1981) Volume Two, Part 2, 417-422. Brutus claims “I have not met with any writer, who has discussed the university of nebraska language program judicial powers with any degree of accuracy.” To that end, he first examines the nature and extent of the judicial powers and second, “inquire(s) whether the courts who are to exercise them are so constituted as to parsons the new for design scholarships, afford reasonable ground of university of nebraska language pathology graduate, confidence that they will exercise them for the general good.” He is stoicism vs epicureanism essay, particularly concerned with what we today would call judicial review. Article III, Section 2 says: “the judicial power shall extend to all cases in law and equity arising under this constitution, the laws of the United States, and treaties made, or which shall be made, under their authority, etc.” His concern is: “what latitude of construction this clause should receive, it is not easy to say.” What particularly concerns Brutus is the word “equity.” “By this they are empowered, to explain the constitution according to university of nebraska kearney language graduate program, the reasoning spirit of it without being confined to the words or letter.” And, note, he continues, “from this court there is board of trustees, no appeal.” Accordingly, there will be a strong propensity within the Constitution to lead to the establishment of a consolidated rather than a confederated government by way of the power of judicial review. In fact, the judicial power enables the judiciary “to mold the government, into almost any shape they please.”

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