A Millennial Revolution

A Millennial Revolution
millennial–revolution.com Let the Government Fund Your Retirement – Millennial Revolution
Wanderer About Latest Posts Wanderer The Wanderer retired from his engineering job at a major
Silicon Valley semiconductor company at the age of 33. He now travels the world, seeking out
knowledge from other wealthy people, so that he can teach people how to become Financially
Independent themselves. Latest posts by Wanderer (see all) 13856170934_ff326b613f_k Photo
credit: American Advisors Group @ Flickr, license: CC BY–SA 2.0 Hey you know what I've always
wanted to do? Pay more taxes to the government. –Nobody Ever Over the course of the last few
weeks since this silly little blog went viral, we've done our fair share of reader case studies figuring
out how quickly our intrepid Revolutionaries can kiss the 9–5 goodbye forever. A few have been
featured publicly on this site, and far more behind the scenes in our inboxes. FIRECracker gets off
on spreadsheets. Don't judge. And after the first five, or ten, or twenty, you start to notice a few
patterns. The first being that people are in far better shape than they thought. Even without six–
figure salaries, with a few tweaks we can often bring their retirement plan down from "never" to
"totally doable." And second, people generally don't understand how important taxes are. For higher
earners especially, just the act of walking into a bank and filling out a bunch of forms shaved up to 5
years off their retirement! So
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Pension Plan Memo Essay
Pension Plan Memo Yeah Ok ACC/541 13 February 2012 Daphne Wagner MEMORANDUM TO:
All Executives FROM: Chief Executive Officer DATE: February 13, 2012 SUBJECT: Required
Reporting on Pension Plans CC: Board of Directors Our company has been providing their
employees with a pension plan for many years. However, these benefits plans have to be reviewed
and possibly revised after the recent acquisition of XYZ Company. Through the use of a funding
agency, payments are invested so that periodic payments can be made to the employee during
retirement. Defined contribution and defined benefit are the two most common types of pension
plans. ... Show more content on Helpwriting.net ...
Moreover, the company needs to disclose any information that affects "comparability from period to
period (such as amendments increasing the annual contribution percentage" (Schroeder, et al., 2011,
p.457). Thus, any changes to the plan or contributory payments must be disclosed on the financial
statements. Defined Benefit Employers assume responsibility for providing retirement funds in a
defined benefits plan. In the plan, a specified amount is set aside for future payments to employees,
for life, during retirement. The amount is determine in advance is based on factors such as age,
salary, and length of employment. In 2009, the maximum amount to be allotted under the plan was
$195,000. Decisions concerning the amount of money to contribute to the plan and the type of
investment are at the discretion of the employer. The complexities in accounting for these plans
make hiring an outside actuary essential. Actuaries are used to provide statistical calculations about
the cost of future investments. Using a benefits formula, actuaries calculate the required investments
needed to meet the necessary contributions. SFAS No. 87 established the basis for disclosing
defined benefits. Accordingly, the standard requires the immediate recognition of a liability "when
the accumulated benefit obligation exceeds the fair value of plan assets," (SFAS 187, p. 5),
expanded disclosures

Essay On Family Budget
How the Average American Family Spends and How to Cut The Costs
Are you curious how the average American family spends its income? Let's take a look at six major
cost of living categories, the average spending statistics and some practical ways to cut your budget
in each of these areas. In these instances, it pays to be below average!
According to Forbes, the average American household spends about one–third of their yearly budget
on their house – whether they rent or own.
This can definitely be one of the harder areas to save money depending on your location. While it's
important to live within a reasonable distance to your employer and in a safe area, consider your
actual needs. Many people are purchasing very large, extravagant ... Show more content on
Helpwriting.net ...
Even the busiest people can invest in a crockpot and a cookbook. Toss a meal in when you leave in
the morning and come home to a hot, ready to eat, wholesome dinner.
Meal prep and shop according to your needs. Purchase in–season, fresh foods or frozen when
necessary and avoid the pitfalls of expensive pre–packaged foods.
Make it a group effort. Once a month cooking groups, food co–ops, and coupon clubs can help
distribute the cost, planning, and effort required to prepare so many homemade meals.
Generation X Finance's recent poll indicates that the average family spends approximately $232 per
month on utilities. Budget–wise, families spend 5% monthly for this category.
You're probably already aware of the need to properly insulate attics and walls, but many people
don't realize that one of the most common sources of air leaks are wall switches and outlets. This
simple DIY project can save you hundreds per year.
Speaking of air, whenever possible, air dry everything – dishes, clothes and even your hair to
prevent unnecessary electricity consumption.
Insulated curtains block out light in the summer months and hold in heat in the winter months. If
you have south facing windows, purchase a roll of the large bubble wrap and cut to fit your window
panes. Spritz the inside glass with water, stick the bubble wrap to it and open the curtains on sunny

days.
Our living area has south facing windows and is ten degrees warmer than other areas when we

National Security Agency Benefits
Fortunately I am currently working for the "company" I would be interested in working for if I was
seeking for a career. I searched for my "companies" compensation and benefits if as though I was
not currently working there and was seeking a job opportunely. Company: The National Security
Agency (NSA) URL: https://www.intelligencecareers.gov/nsa.html The compensation plan that
NSA offers motivates me, because of the following: They offer a wide range of benefits such as
health care coverage, retirement savings, room for improvements, flexible leave, job movement,
training, etc. They promote work life balance, which is very important for me and my family, and
job/education growth, which allows for advancement. NSA provides meaningful

From Great Inflation To Great Moderation
From Great Inflation to Great Moderation At the end of President Jimmy Carters administration
(1976–1980), the economic environment in the United States was heading toward the 8th recession
since World War II ("The Reagan Years"). Oil prices continued to rise from $4 a barrel in 1973 to
$37 a barrel (Sloan 31) creating an energy crisis, business investments slowed (Michael), Congress
repealed usury laws allowing credit card companies to increase interest rates up to 20 percent or
higher, (Foner1048) and a move toward automation and outsourcing manufacturing created loss of
employment. By 1980 the rate of inflation was at 13.5% and unemployment rates were at 7.1%
(Foner 1045 [table 26.1]). The country had deteriorating public confidence ... Show more content on
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On January 20, 1981 Ronald Reagan was inaugurated to the office of the presidency and with this
inauguration came a report from Arthur Laffer, Congressman Jack Kemp, and David Stockman
which declared a crisis situation due to government regulation and disastrous overtaxation
(Samuelson 60). The solution to this problem became what is now known as Kemp–Laffer–
Stockman supply–side economics. This type of economics held that a greater supply of goods and
services, made possible by measures to increase business investment,was the swiftest road to
economic growth ("The Reagan Years"). To implement this plan a cut in tax rates for three years had
to be implemented. These tax cuts the administration argued would increase capital investment and
corporate earnings which would increase government revenues ("The Reagan Years"). In 1981
Reagan succeeded in getting Congress to pass the Economic Recovery Tax Act of 1981 (Sloan 7)
initiating the beginning of what would be later dubbed Reaganomics. Later, another act would be
passed, the Tax Reform Act of 1986, which reduced tax rates for all groups (Sloan 7). At the initial
onset of Reaganomics there was a recession from 1981–1982. Conservatives painted this recession
as being the result of inherited problems from the Carter administration and not as a failure of
Reaganomics. Instead Conservatives point out that following the lowest point of

Persuasive Speech
Laura Boreen
Neilson
Intro to Public Speaking
14 November 2010
Persuasive Speech
Reduce Landfill Waste by Reduce, Reuse and Recycling and the financial benefits
I. Introduction A. Attention Getter: Over half of the waste that ends up in the landfill does not
belong there because it could have been recycled or reused.
B. Credibility Statement: Not only do I religiously practice reducing, reusing, and recycling, but I
have done a great deal of research for this speech, also research for a recycling project in my Human
Concerns Class.
C. Significance/Identification Statement: The survey that I conducted with this class concluded that
every one of us acknowledges that recycling is beneficial, yet only 60%, a little ... Show more
content on Helpwriting.net ...
For example, using a leftover coffee can for loose nails or screws, or even washing and reusing a
plastic zip–loc bag instead of throwing it in the garbage. Thrift shopping is a way of reusing
someone else's unwanted goods. As I spoke about in an earlier speech about thrifting, I included
many locations and ways to thrift, also the benefits to the shopper and the donator. One place in
particular was shopping at the local boys and girls club. I personally shop there, keeping my eyes
open for a good deal. For example, the pair of jeans that I am wearing today was purchased from
this store just a few months ago. I paid only $8.00 for this pair of Lucky Jeans and according to
buckle.com, a retailer for lucky jeans the retail price is $99.00 that is a savings to me of $91.00.I am
not the type to worry about name brands, but quality usually does cost more. If I can get a quality
pair of jeans at a fraction on the price, I am glad to shop at the thrift store. I am thankful to the
person that made the donation of the lucky jeans and they can benefit from that donation. According
to the IRS webpage, IRS. Gov it explains that an individual can donate items like clothing,
household furniture and furnishings, a car or boat, even taxidermy. The donations are appraised, by
the donator, and recorded. At the time of filing taxes if the donation equals at least $500 for the year,
the donator may take advantage of the

Essay On Federal Agents
First, is the pay and benefits for just federal employees, not Special Agents in particular. Federal
employees get a health benefits program, a long–term care insurance program, a group life insurance
program, a flexible spending account program, and a thrift savings plan. Federal employees also
receive retirement benefits. The Federal Employees Health Benefits Program provides agents with
health care. There are many different health care plans to choose from in the Federal Employees
Health Benefits Program. The Federal Long–Term Care Insurance Program provides long–term care
for federal employees and U.S Postal Service employees that are active or retired. The Federal
Employees Group Life Insurance Program provides life insurance to ... Show more content on
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The hiring process for the Federal Bureau of Investigation is quite extensive, however, it is for a
very good reason. The FBI needs to make sure that the people they are hiring are able to keep the
country safe and have the best interest of the United States in mind. The first step an applicant must
take when applying to be hired by the FBI is to make sure that they fit all the eligibility and physical
requirements. During this step of application, candidates may have to go to a field office multiple
times in order to be tested and interviewed. If a candidate lives in another country, or overseas, they
are responsible for getting themselves to the United States at their own expense, in order to be tested
and processed. The applicant may choose the most convenient field office for them. The second step
in the hiring process is online application. When a candidate is filling out the application they will
be asked many questions about eligibility and suitability for the job. Candidates will also have to
submit their scores for their self–Physical Fitness Test. A candidate should not lie or estimate their
scores when recording their self–PFT results because lying can disqualify a candidate from being
considered further. The FBI states that scores for the self–PFT must be submitted within thirty days
of beginning the

Xacc/280 Week 2 Individual Assignment
In this scenario, I envisioned Jenny as a single college student, living alone in an apartment within
walking distant from her campus and part–time job. Her car was a high school graduation gift from
her parents; therefore, she does not have a car payment expense. She is still covered under her
parents' dental and health insurance plans while attending college so she does not have to allocate
money for those expenses either. Garbage and recycling services at her apartment complex are
included in her monthly rent. Having access to the internet is vital for her college courses so Jenny
could bundle her cable, internet, and landline services for a discount.
For budgeting purposes, once Jenny has allotted money to her main expenses (rent, ... Show more
Our paychecks are direct deposited into these individual accounts. We also have a joint savings and
checking account. This joint savings is our emergency fund. The joint checking account is our
"family fun fund", which covers miscellaneous family activities, vacations, and holiday/birthday
expenses. My husband has a full time job so he covers the big–ticket expenses such as our
mortgage, insurance, transportation, clothing, and daycare expenses. The one benefit of the Coast
Guard's pay system that we take advantage of is allotments. Through an allotment, my husband can
automatically direct a portion of his earnings each month to our joint savings account and our
children's college saving accounts. He also uses an allotment to direct funds to our Thrift Savings
Plan for our retirement savings. It's a quick and easy way to ensure our future is secure without
much effort. When my husband's paycheck is deposited, he uses that money to cover his portion of
our expenses. Half of any funds that are leftover are deposited into our joint checking account and
he keeps the rest. My paycheck is not nearly as big as my husband's; therefore, I am responsible for
only utilities, cable, internet, and groceries. Like my husband, I direct half of any leftover money
each month to our joint checking account. Fortunately for me, attending college does not create a
financial burden because my tuition

Notes On Reading : Https
Akintunde Rockson
Period 2
Link to reading: https://andromeda.rutgers.edu/~jlynch/Texts/modest.html
This is also found in your Patterns book.
NOTE: The questions below should be answered and submitted to turnitin.com by 11:59pm on
Monday, March 14th. Your answers will then be shared and discussed in groups, where you will
then turn in ONE answer key per group based on specific questions from below and/or questions
using your answers for deeper analysis. We will then further discuss this piece of writing.
How does Swift want the reader to view the speaker? What features best describe the "persona" he
adopts? Give examples from the text.
Jonathan Swift wants the readers to view him as a pragmatic and heartless realist who has found a
solution to a serious issue. Swift used sophisticated diction to list seemingly sensible reasons as to
why his horrifying solution wasn't absurd. His persona exhibits one of a lunatic, yet it changes once
during the passage. Preceding the speaker's joyous rant about how infant 's flesh will be in season
throughout the year, he discussed abortion and how sacrificing poor innocent babies was
inconceivable in paragraph 5 which is something a normal human would say. Then he returns to
detailing his argument about the pros of eating the underprivileged children. The speaker 's image
seems quite apathetic, yet in fact he is quite ironic. This can be seen in the very last sentence of the
last paragraph when he writes, "I have no children by which I

King And Queens Assignment
King and Queens Consignment
1. King and Queens will benefit the economy by providing a few jobs to members of the
community. It will bring more money to the area because as the business grows I will be able to hire
more people and with the taxes that I pay will help create the money that is needed for
improvements.
2. I can save my earnings and invest in my business. I can save money from odd jobs that I do and
from my tax return. Pus, saving money from my Pell Grant to buy goods and resale them online
making a profits. Only after I have enough saved I can use the money to finance a brick–and–mortar
establishment. My purpose is to not have to pay any monies out with interest.
3. The most feasible way for me to get the financing to open

Registered Retirement Savings Plan
Taxation Assignment
Registered Retirement Savings Plan
(RRSP)
Submitted By:
Instructor:
Date:
What is an RRSP?
A Registered Retirement Savings Plan (RRSP) is a tax–deferred account designed specifically for
retirement savings. Any resident of Canada under the age of 71 who has earned income may
establish and contribute to an RRSP. (Edward Jones, 2013)
RRSPs are the Canadian government's way of helping citizens save their money for retirement.
Saving for 30 to 40 years of retirement may seem like a long task, but well–planned contributions
and withdrawals from your RRSP can be a great way to get enough money for when you retire.
Objective
The objective of a RRSP is to provide individuals with an account which they may ... Show more
The maximum you can take out in one year is $10,000. You won't pay any tax on it as long as you
pay it back over 10 years. This does not include paying for a child's education.
My conclusion is that RRSPs benefit Canadians by reducing their taxes and allowing their savings
to compound tax free. Individual RRSP's are the most common type of RRSP's. RRSP contributions
are deducted from earned income before it is taxed, so the money that you put into an RRSP is not
taxed until it is withdrawn. Taking money out of an RRSP account before retirement can be very
expensive because withholding taxes often apply. The RRSP Home Buyer's Plan allows contributors
to borrow RRSP funds to finance the purchase of a home. Also that it would be the best to start
making contributions early to avoid early withdrawals.
Works Cited
Investopedia. (2009, February 25). Retrieved December 10, 2013, from Investopedia Website:
http://www.investopedia.com/university/rrsp/
Canada Revenue Agency. (2013, January 8). Retrieved December 11, 2013, from Canada :
http://www.cra–arc.gc.ca/tx/ndvdls/tpcs/rrsp–reer/wthdrwls/menu–eng.html
Canada Revenue Agency. (2013, January 3). Retrieved December 10, 2013, from http://www.cra–

arc.gc.ca/tx/ndvdls/tpcs/rrsp–reer/rrsps–eng.html
Edward Jones. (2013). Retrieved December 10, 2013, from Edward

Military Retirement
Can I live with my military retirement pay?
Military retirees especially of USA have one of the best pension plans in the world. Military retirees
can retire after 20 years with 50% of their basic pay, full medical coverage, and other benefits that
will stay with them throughout their lives.
A person can begin receiving retirement benefits at the age of 40 and will receive the benefits for
another 40 years or more. It is a good deal, right? But is it already enough for you to live off for the
rest of your life?
Can I really live off military retirement?
A military retirement is greater compared to most civilian retirement plans. But the immediate cash
flow is not enough for most people to retire immediately. It will even be more difficult ... Show
more content on Helpwriting.net ...
It may not be a traditional job, but it is something that can provide them income.
Their military retirement pay and benefits are allowing them to decide whether they will work or
not. An amount of $58,500 a year without doing anything is giving them the freedom to work or to
choose a more rewarding work if they want.
How can I make use of my military retirement pay?
Before you officially retire from the military, make sure that you paid all the loans and credit cards
as soon as possible. One of the quickest ways to enslave you and to tie your future pension plans is
debt. Eliminating your debt allows you to use your money for more important things such as your
vacations, regular living expenses, and other activities.
The addition of other sources of retirement funds is an important factor in military retirement. It is
very important to open a ROTH IRA, Thrift Savings Plan, and other investments. A Thrift Savings
Plan account can be opened through your military pay unit or check out the best IRA brokerages to
start your civilian retirement plan.
Having said such, are you on the right track of your retirement life

Different Types Of 401 Plans
What is a 401(k) plan? Many employers sponsor a retirement savings plan for their employees.
Under these plans, also commonly known as defined contribution plans, you can save money toward
your retirement on a tax–deferred basis – that is, you don't pay federal or state income taxes on your
savings or their investment earnings until you withdraw the money at retirement. The most common
types of employer–sponsored retirement savings plans are called 401(k), 403(b) or 457 plans, so
named for the Internal Revenue Service tax codes that govern them, and Thrift Savings Plans. Each
has a different target audience– 401(k) plans are offered to employees of public or private for–profit
companies, 403(b) plans are offered to employees of tax–exempt ... Show more content on
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Any portion of a distribution that represents deductible contributions is subject to income tax
because those contributions were not taxed when you made them. In addition to income tax, you
may have to pay a 10 percent early withdrawal penalty if you're under age 59½, unless you meet one
of the exceptions. If you wish to defer taxes, you can leave your funds in the traditional IRA, but
only until April 1 of the year following the year you reach age 70½. After that, you must take a
distribution by the end of every calendar year until you die or your funds are exhausted. However, if
you withdraw less, you'll be hit with a 50 percent penalty on the difference between the required
minimum and the amount you actually

The Real Estate Agent Is Not Paid For A Sale Essay
The savvy buyer of real estate is one who will do the homework to save money and get what he or
she pays for, no surprises. There are various on–line resources that will aid the buyer in locating
property and the specific price range and amenities offered. This article addresses some of the public
web sites that do not require you to sign with a broker. This step is preliminary to either hiring a
broker or deciding if you want to do it on your own. Most lawyers in every state may also act in the
capacity as representing your interests in a real estate transaction. You can decide what fits your
comfort zone and your price range. Real estate agents work on a commission. All lawyers will work
on a hourly fee and will probably not get involved in locating the property for you. The real estate
agent can seek out real estate properties and guide your through the entire process. The real estate
agent is not paid for a sale unless the sale is completed. Realtor.com: This web site has some great
features. The web site is user friendly and provides real estate listings for the entire United States.
The click on feature on various states allows you to narrow searches to counties and cities. The
public user can narrow the search to the type of property, price range, bathrooms, bedrooms, views
and various factors. The site has features that allow you to search crime statistics in the area you are
considering. It also contains demographics as to income and census information. The web

The Demand And Supply Of Financial Services For Retirement...
The purpose of the paper is to provide a better understanding of the demand and supply of financial
services for retirement system of United States, with a specific focus on the needs of small
businesses. 1.2 ACRONYMS DB – Defined Benefits DC – Defined Contribution 2 BRIEF
HISTORY OF RETIREMENT PLANS Until the late 19th, the idea was to work until you die or
until you can't work anymore. However, in 1889 a German Chancellor Otto vin Bismarck
introduced in Germany the pension plans, not because he was compassion for the working class but
because he wanted to pre–empt a growing socialist movement in Germany before it grew more
powerful. Later, the idea of providing financial security for aged gradually expanded in Europe,
United States and other advanced economies. In 1875, American Express offered America's first
employer–provided retirement plan. Five years later, the Baltimore and Ohio Railroad introduced
the first retirement plan, financed jointly by contributions from an employer and its workers. After
World War II, as life expectancy reaches lengths American government couldn't have imagined,
United States started struggling with government pension plans they can no longer afford.
Therefore, private plans became more common. 3 DIFFERENCE OF RETIREMENT PLANS There
are many types of retirement plans but the most common are Defined Benefits Plan, most known as
pension plans, and Defined Contribution Plan. 3.1 DEFINED BENEFITS PLANS It is an
employer–sponsored retirement

Military Retirement Essay
Military members are used to substantial challenges. Combat tours, deployments, and regular moves
are only some of the difficulties they deal with on a regular basis. Probably due to this pressure, a lot
of military members go through considerable difficulty with regards to getting ahead in financial
terms.
A new FINRA study shows that regardless of regular paychecks, military members are have
considerable debt. 82% of military service families have the typical credit card debt of $10,000.
Military Retirement
The military pension program is the primary financial tool accessible to service members who
decide to stay in service for 20 plus years. It gives an instant yearly income upon retirement which is
related to 50% of the member's basic ... Show more content on Helpwriting.net ...
Low Expenses
The expense ratio for the TSP is around 0.015%. Your contributions compound quicker when
compared to conventional mutual funds (usually 1.5% fee).
Contribution Limits
The highest permitted contribution to the TSP is $16,500 under the age of 50, or $22 over the age of
50.
Withdrawal Rules
Participants can withdraw contributions and profits without penalty fees from their TSP after age 59
1/2, and any withdrawals are taxed like regular income. But, withdrawals before age 59 1/2 suffer a
10% charge in combination with income taxes.
TSP Loans
Loans need to be repaid to your TSP account within 1 to 15 years, based on the kind of loan.
Roth IRA
Roth IRAs provide many advantages to long term investors looking for tax–free growth.
Tax Benefits
Unlike the TSP, the tax advantages to choosing a Roth are not instant. The Roth IRA lets you invest
after–tax capital on which the growth is never taxed, even upon withdrawal.
Contribution Limits
Federal law permits a contribution of $5,000 annually to a Roth IRA ( $6,000 50+ Years ) providing
your revenue is under $105,000 annually for those single, or $166,000 if

Veterans Day Essay
1. THIS DAY IN NAVAL HISTORY – NOVEMBER 4, 1955 Gioconda R Saraneiro became the
first appointed female captain in the U.S. Naval Medical Corps. Initially appointed a Lieutentant
junior grade in the WAVES during World War II in 1943, she left the Navy to teach and start a
medical practice. She returned to the Navy in 1949 and retired in 1966. Captain Saraneiro passed in
1983. 2. VETERANS DAY. As we celebrate Veterans Day, take a moment to reflect on and give
thanks to our veterans for their contributions to our nation. Veterans Day will be observed as a
Federal holiday for most Navy personnel on Friday, 10 November 2017. Accordingly, the Secretary
of the Navy has approved the release of Department of the Navy military members ... Show more
Each organization should minimize its holiday manning while ensuring mission accomplishment.
Have a safe and enjoyable holiday! 3. BLENDED RETIREMENT SYSTEM (BRS) TRAINING.
The Fiscal Year 2016 Nation Defense Authorization Act created a new military retirement system
that blends the traditional legacy retirement pension with a defined contribution to Service members'
Thrift Savings Plan account. The new Blended Retirement System goes into effect on January 1,
2018. The opt–in/election period for the Blended Retirement System begins January 1, 2018, and
concludes on December 31, 2018. All Service members who enter the military on or after January 1,
2018, will automatically be enrolled in BRS. A Naval notification will be mailed out to all Sailors
eligible to opt–in to the new BRS. The letter states that all MANDATORY training must be
completed no later than 31 December 2017. BRS training is mandatory and provides Sailors with
information that compares the benefits of the current retirement system and BRS. Once a
servicemember decides to enroll in BRS, the selection is

Persuasive Essay On Saving Money
Saving money is an important part of your financial health. The more you save, the more you can
feel at ease whenever a rainy day might hit. You cannot predict the future but you can prepare for it.
If you prepare now, your future self will thank you. But how can you save if you have so many bills
and only one stream of income? Here are some tips you can use to rack up that account with a single
income.
Try to make a budget, it will be your blueprint for your finances. The first step for anyone wanting
to take control of their finances is to make a budget. A budget will allow you to understand where
your money is going and enable you to adjust your spending by designating how much you can
afford. Creating a budget is a good idea for everyone, but especially for individuals with limited
income. Write down your budget, with specific categories of spending, and stick to it. Start slowly
by using a percentage on how much you will save versus spend. A plan doesn't work unless you
work the plan.
Do not live a life that you cannot handle, spend within your means. Be honest with yourself, if you
can't afford something, don't buy it! Affordability is much more than the amount of money in your
bank account, it also is how long it will take for the money you spent to be back in your account.
Think of your finances as a long term process, not a short term fix. This is also why you should limit
your credit card usage. If you rack up your credit card and lose your sole source of income,

Corporate Strategy Analysis : Management
Corporate Strategy Analysis: The rationale that management uses to guide its decisions and actions
is a four level strategic plan and the business logic and reasoning is that it make good business
sense. It is extremely important to OPM that the problem it resolved quickly and efficiently and not
allowed to get any worse. The customers are getting angry that the issues are not being resolved
quickly and the backlogs are just getting longer. 1. Invest in IT– Information Technology tools and
solutions to facilitate benefit payments 2. Use Performance Measure–Quality Customer Service. 3.
Strengthening Quality Assurance processes 4. Deliver Optimal Quality Customer Service by
improving processes Retirement Services is charged to Develop a 21st century customer–focused
retirement processing system that adjudicates claims in a timely and accurate manner. RS serves
Federal retirees and survivors who receive monthly annuity payments. OPM program activities
make the decisions and eligibility determinations, including eligibility for disability benefits.
Congress has a different set of business rules for each. Of the 100,000 claims under either CSRS or
FERS processed each year 85% are new claims. Retirement Services receives funding from both
discretionary and mandatory sources. Because Of Claims backlog RS has been the subject of
annunitant complaints and Congressional hearings and frequent media scrutiny I know Mother who
is a military retiree

Republic National Bank of Dallas
Environmental Analysis
The Macro Environment
Revenue within the Texas banking unit is generated primarily from the pockets of urban and
commercial growth. Demographic and economic factors have caused a dramatic increase in banking
activity. This is due in large to a population growth and increases in the economy in the state of
Texas, generally life in Dallas is progressive and prosperous.
Anticipated changes in the Political–Legal environment have the potential to transform the banking
industry. Due to an attempt by a Thrift Institution to circumvent the prohibition of offering chequing
accounts in the state of Massachusetts, there is a possibility that NOW accounts could be introduced
in the state of Texas, in an effort to prevent ... Show more content on Helpwriting.net ...
At the end of 1976, 218 credit unions were located in the city of Dallas and its immediate environs.
These Credit Unions operated 232 offices. Combined, they held over $666 Million assets and served
almost ½ million members. Some of their advantages are:
 Offer consumer or installments loans to their members at competitive interest rates.
 Hold a significant share of the automobile loans in the Dallas market.
 Provide share drafts to their members.
 Hold substantial funds in member savings accounts.
The Organization
The Republic National Bank is a progressive and growth–oriented organization whose focus has
been customer related since its commencement. This is evident in the manner in which they engaged
in the advertisement of their campaign titled "Republic National Bank Is Dallas". Mr. Orson Welles
a famous radio and film personality was the focal point in the campaign. This was designed to
reflect the mutual traditions of RNB Dallas residents as progressive and growth–oriented.
RNB is the market leader in the commercial banks with a relative market share of 1.05 in terms of
total deposits.
Figures indicate that 32% of RNB's personal chequing account is under $200.00
RNB provides a number of innovative banking services inclusive of the following packages:
 24hr teller service via bank teller/cash machine available at 26 locations around the city of Dallas
and six

Online Shopping Analysis
So you've just bought your first apartment and you've never felt more independent. You think to
yourself, I don't need mum and dad, I'm on my own now! Well, you think this until you realise that
you've spent all your money on rent before proceeding to call mum and dad in need of a loan that
you promise you'll back when really, you won't.
However, before you go pestering your parents for some extra cash, here at Intention, we have a
range of tips on how to save money on your new home.
Buying Online
There are two main steps in acquiring furniture; shopping and buying. In order to buy, you need to
shop and the online world is a great way to start your furniture buying adventure. Here, you can gain
an idea of what styles you like as ... Show more content on Helpwriting.net ...
This is, unfortunately, one of the risks of online shopping.
Even though online shopping is definitely a huge risk, chances are, you can find many variations of
furniture for amazing prices, so amazing that your new friends will have no idea you were shopping
on a budget.
Buying In Store
So you want to buy furniture in the store, huh? Though buying in store is more trustworthy and
comforting as you can see the scaling and materials, your browsing space is smaller which can result
in buying really expensive furniture. However, there are still some tips to get styling on a budget.
1. Thrift Stores
One big fault I find with people buying new furniture is that they believe that you can't look at thrift
stores. If I'm being honest, sometimes thrift store furniture can be better than your standard couch as
it has a sense of authenticity and its own story with it. Buying second–hand furniture can sometimes
be as good as buying it for the first time. Also, buying second–hand furniture can also be a key
ingredient in any DIY projects you care to indulge yourself into.
2. Garage Sales and Clearance
Now, buying from garage sales and clearance is a huge lifesaver, mostly because people are giving
the furniture away for a good price because people don't want it anymore. Usually, this is because
people decide to change up their style, not because there is anything wrong with the

Essay about solution slainas
I. Problem definition:
Ms. Salinas Savings & Loan has bucked the trend of financial and liquidity problems that has
plagued the industry since 1985. Ms. Salinas believes it is necessary to have a long range strategic
plan for her firm including a 1 year forecast and preferably even a 5 year forecast of deposits.
Objective:
1.To determine what would be a successful forecasting tool for the strategic plan of Ms. Salinas.
2. To compare different forecasting tool with its Pros and Cons.
II. Review of Background Information:
In this case study, we should also focus the discussion on the 1980s concurrent crisis in the savings
and loan (S&L) industry even though it was stated that Salinas has bucked the trend of financial ...
Show more content on Helpwriting.net ...
Despite the liquidity problems experienced in 1980's, it only took a little of the growth of the
company by slowly increasing its deposit during this time frame. The data also showed an
increasing trend both for the GSP of Kansas and the Deposit.
a. Naive Approach:
Answer:
Year
Deposit
GSP
2003
108.9 million
5.3 billion
b. Moving Average:
For Ma =3
For Ma=5
c. Exponential smoothing:

A=.3
A=.5
A=.7
d. Linear Trend analysis
e.
f.
e. Linear regression:
DEPOSIT = –17.64 + 13.596 (gsp)
IV. Alternative courses of action to be taken:
Naive Approach:
Advantage:
1. Easy to do, and not time consuming.
Disadvantage:
1. Too simple, not all factors are considered.
2. Only one value can be forecasted.
Moving Average:
Advantage:
1. Helps to clear out noise from the data and helps the observer make a clearer idea of any changes
that are actually occurring in the long term.
2. Discounts the value of the oldest data.
Disadvantage:
1. Can only forecast one value, limited only to the next data set.
2. Too large or too small value can greatly affect the result and also then sometimes significant long
term changes in the data could be masked.
Exponential Smoothing:
Advantage:
1.

Gold IRA Research Paper
Throughout history there's been an incredible interest associated with the investment of gold. It's no
surprise that this special type of the retirement plan is attracting investors with an interest in
precious metals and a desire to put gold into an investment fund. The first step is to speak with a
qualified professional to answer questions and assist in setting up the account to meet the
requirements as an IRA. History tells the story of precious metals with gold increasing in value over
and over. In today's economy like all other commodities, the price of gold fluctuates but, typically
holds its value through economic conditions, making it a commodity that can be liquidated if
needed. Before deciding to invest, it's critical to learn about the process. Gold IRA is an individual
Retirement Account (IRA) sharing the tax advantages of other IRA investment accounts. The first
difference with the Gold IRA, it's held by a custodian on behalf of the account owner. The second
differences, unlike traditional IRAs, which hold paper assets, Gold IRA hold actual bullion in the
forms of coins or bars. Facts ... Show more content on Helpwriting.net ...
The custodians or trustees administer the investments with direction from the account holder on how
much of the funds can be invested in gold. In most cases, the gold needs to meet a standard of purity
and refinement. This is where the custodian or trustee's experience and knowledge become very
valuable to the Gold IRA account. Rollovers can be done with these Gold IRA accounts, allowing
the holder to participate in diverse investments, which may include other precious metals or
additional IRA plans such as ROTH IRAs, Thrift Savings Plan or

The Ontario Retirement Pension Plan
The purpose of this paper is to investigate the creation of the Ontario Retirement Pension Plan and
to argue that it is a necessary and potentially effective way to ensure that workers in the private
sector in Ontario will be able to retire and live comfortably. This conclusion is not made lightly as it
is import to view any broadening of government influence through the most critical of lenses.
However, there is an increasing need for Ontarians to save for retirement and it is becoming more
and more apparent that private pension plans will not be able to meet the needs of most people. This
is because too few people have private pensions and the once that do exist sit on volatile ground. In
order to understand why the ORPP is justifiable policy, it is necessary to understand the scope,
extent and dimensions of the policy problem. With the Baby Boomers in the process of retirement
there are fewer people paying to support the pensions of greater numbers of people. Governments at
the federal, provincial and municipal levels have all made financial promises without taking steps to
ensure that promised programs are adequately funded. This is creating two classes of retirees. The
first are public sector employees with extremely generous tax–payer funded guaranteed pensions.
The second is everyone else– the 80 percent of people who depend on other, far less desirable means
like the Canadian Pension which is drastically underfunded particularly when compared to the
pension

Portfolio Investment Analysis
Introduction As a consequence of the expectation for earning a return, a portfolio investment is
made through the portfolio of the investment of securities. However, the investment's expected risk
is always significantly related to the expect return in portfolio construction. Compared to direct
investment, Portfolio investment is distinct in which a sizable target companies'stake will be
managed day by day. The asset classes of Portfolio investments Portfolio investment managers will
make a portfolio through a large number of asset classes, for instance, stocks, government bonds,
corporate bonds, Treasury bills, real estate investment trusts, exchange–traded funds, mutual funds
and certificates of deposit. Besides, Portfolio ... Show more content on Helpwriting.net ...
However, high risk tolerances investor may not favour riskier growth stocks if they will retire soon.
Portfolio Investments for Retirement As for Investors who are saving for retirement, their
investment portfolio should be diversified with low–cost investments such as index fund. As a
consequence of the minimum expense level among a number of asset classes, index funds are
favoured by investors who are saving for retirement. Therefore, the retirement portfolios will corely
hold these types of funds. In order to get a more hands–on portfoilo, investors may add additional
asset classes to their portfolio mix, for instance, they can tweak portfolio allocations to add real
estate, private equity, stocks and bonds. Interestingly, the investments between you and other
investors can be considered as a tug of war. In tug of war, the best foothold should be gripped to win
game. Similarly, in order to win the investing game to get profit, you should make effort to manage
your portfolio as well as possible. Therefore, during the rest lifetime, the profit of share you take
will be determinated by your decison now or 10 years later in your Thrift Savings Plan account. In
my opinion, it's essential to try to distill this complex recipe for managing your investment portfolio
down to its essential ingredients. What

Military VS Civilian Compensation
Military Compensation versus Civilian Compensation
Military Compensation versus Civilian Compensation
The advantages of a career in the U.S. military greatly outweigh working in a civilian career when
considering compensation such as education, salary, health care, and retirement. In today's economy,
everyone is looking to receive the most from his or her employer. A person wants a salary that can
provide for his or her family, a healthcare plan with little out–of–pocket cost, retirement benefits to
plan for the future, and an education that makes it all that possible. The military offers exemplary
tuition assistance and salary when benefits such as the basic housing allowance are taken into ...
Becoming eligible for a defined–benefit plan requires that employees work for the company for a
minimum of five years; however, retirement payouts are larger the longer an employee stays with a
company. Civilian employees must also wait until at least age 62 to retire and can retire anytime
between the age 62 and 70; however, retirement benefits are reduced when an employee retires
early. Military retirement plans are very different from their civilian counterparts, in that military
service members do not invest any money into their retirement plan. After 15 years of service a
military employee can choose between two plans: a standard High–3 plan or a Redux retirement
plan. The standard High–3 plan bases retirement pay on the highest average basic pay for 36 months
of a service member's career. Choosing the Redux retirement plan, a service member will receive a
$30,000.00 bonus, a percentage–based annuity, and basic pay. Military employees can retire after 20
years of service, so the average age of a service member at retirement is age 40. Another remarkable
benefit that military service members can use for retirement is a thrift savings plan that resembles a
civilian 401k. The most significant difference in a thrift savings plan is that the military does not
match any employee contributions. By not matching what a service member invests

Safespace Shelter Case Study
An agency in Stuart, Florida, Martin County and along the treasure coast that helps women in cases
of domestic abuse is called SafeSpace Shelter Program. Individuals find refuge at this agency when
they are in a situation of domestic violence. They offer safe housing and programs to help them
progress with an action plan to stay safe and set personal goals. The agency has several steps in the
process within their program, which determine their immediate necessities. The staff of SafeSpace
advocates for victims of domestic violence to gain employment, childcare, legal services and safe
housing. These sponsors offer emotional support in court and the assistance with translating and
filling out legal documents.
SafeSpace also offers an Outreach

Centrust Bank Essay
CenTrust Bank Scandal
CenTrust, first called Dade Federal Savings and Loan, was founded in 1934 during the Great
Depression and eventually became a stalwart of the South Florida business establishment. By the
early 1980s, Miami had a corporate community that any city would envy. The companies were large
and growing. They contributed mightily to local causes. They virtually invented a skyline where
none existed as late as the early 1980s. CenTrust Bank and David Paul gave huge sums of money
and much effort toward founding the New World Symphony in the 1980s. But the local corporate
world was shaken badly at that time. In South Florida, home of fragile physical, social and
economic climates, big business became an endangered species. ... Show more content on
Helpwriting.net ...
Thrifts suffered more than mutual funds, because they were clogged with battered Drexel–
underwritten issues.
The episode marks the first time a financial institution has been brought down primarily because of
its involvement in the junk–bond market. CenTrust reported a $119.5 million loss for its fiscal year
ended Sept. 30, 1989, after writing down a ton of junk and reserving for losses. Under thrift rules,
CenTrust needs about $130 million of equity capital but currently has an equity shortage of $283
million.
After all this happen, CenTrust planned to sell most of its branches to raise capital and create a
separate unit to hold its junk until maturity to avoid turning accounting losses on bonds real losses.
Months later, they planned to merge with Hamilton Holding Co., but neither the sale of its branches
nor the merge gotten executed.
CenTrust Bank, the non–operational Miami savings and loan that invested heavily in junk bonds,
also invested heavily in political candidates. The thrift's chairman, David Paul, also had dozens of
meetings and meals with politicians, most of them Democrats. The get–togethers included a June
1988 lunch with former President Carter and seven meetings with Florida Rep. Bill Nelson, a
member of the Banking Committee.
Just how far CenTrust's fortunes had deteriorated became clear in December 1989, when the Office
of Thrift Supervision slapped a cease–and–desist order on the thrift, attacking its sloppy
bookkeeping and

How Do I Save For Education?
How Do I Save For Education? By Joe Barbieri | Submitted On December 01, 2013 Recommend
Article Article Comments Print Article Share this article on Facebook Share this article on Twitter
Share this article on Google+ Share this article on Linkedin Share this article on StumbleUpon
Share this article on Delicious Share this article on Digg Share this article on Reddit Share this
article on Pinterest Expert Author Joe Barbieri The cost of education has risen steadily over the past
20 years. This would include post–secondary education, but also private school and alternative
schools. Since the workforce has become so competitive, more education has constantly been touted
as the solution to assuring a good paying job. It is a moving target because the world of work is
changing rapidly, and a degree of 5 years ago may be obsolete today. Since the cost of education has
risen so quickly, the payoff from getting a good education is getting smaller and more risky. Interest
on student loans is also getting more expensive simply because it takes longer to pay them off. What
Do You Need? Given this backdrop, how do you save for an education? This could be for your child
or for yourself, since many adults have to go back to school due to job market instability or career
change. There are some key points to keep in mind. What kind of education is needed? If you have
done your homework, you may find that education may not cost as much as you thought, or you don
't need as much

Purpose Of Budget Reform
Budget: The Purpose: The budget plan is more than only a financial system to advance development
and growth in jobs. It is our outline for the sort of society we need to redesign for our kids and
grandchildren. It is a call to inner voice, an update that without this reform the economy will fail
without the proper mindset and goals for a better America. The most vital part of our reform
completely revolves around balancing the budget. Our plan starts with the reduction of taxes
concentrated in the middle class, since it is here where the American dream is truly made, although
there is a common misconception that to dig America out of debt we must raise taxes this in fact will
actually only hurt the economy and American workers by weakening investment and job ... Show
Therefore we must look at government's spending, only significant reductions in spending will
effectively curb debt and deficits. When deciding where we will cut from spending Congress will
promptly stop all spending for projects that advantage just a couple and have even the presence of
constituents and unfair donor involvement with ulterior motives, similar to endowments for open
television, farming, environmentally friendly power vitality, and ethanol. The government ought to
concentrate on a predetermined number of suitable national

The Wealthy Barber Chapter Summary
In the book The Wealthy Barber it begins by talking about the thing that he likes to do in his spare
time. David then begins to introduce his wife and talks about how they have a baby on the way but
he is completely clueless when it comes to managing/saving money. He needs to make himself a
smart financial quickly with having a wife and now a baby on the way. David talks continues to
talking about how his father was very smart with financial means. His father has never bought
anything without saving for it first. The only thing David's father borrowed money for was to buy a
house and he had a 30 year mortgage. He learned to become financially smart from a local barber
named Roy. David, his sister Cathy, and his best friend Tom together go visit Roy who promises by
the end of seven months all of them will be on the road to success.
The first tip of advice Roy gave to the group was the ten percent solution. An old man once told Roy
to invest ten percent of all you make more a long term growth. If they save 30 dollars a month from
the age of 18 to age 65 at a 15% annual return, they would end up with around two million dollars.
... Show more content on Helpwriting.net ...
If you die without having a will created the estate assets become frozen and the court manages it. No
thought is put into the deceased family. A living will is a document that talks about if a person
become extremely ill they do not have to be kept alive by medical machines if they don't want to be.
Everyone should obtain life insurance so when they die there living family members will be
provided enough money for a standard life. Between your living estate and insurance you must have
enough money to cover all debt, future obligations, and supporting your

Legislators Argue That Employees Are Losing Out, Even Though
Legislators argue that employees are losing out, even though the government requires businesses
that terminate pension funds to help pay out benefits employees. According to the collective
bargaining agreements labor unions will create employee pension plans and other benefits. Due to
the increase in pension and benefit plans per employee, businesses compare rates to the open
market. After the retirement of employees, businesses are required to fund pensions because of
pension plan agreements. Also, unions can increase pension and benefit plans when negotiating new
collective bargaining agreements, continually raising this business cost.
Interests the union itself may try to maintain, despite organizational needs or goals. Labor unions ...
The social responsibility of businesses is the general idea that businesses should behave properly
and contribute to economic development while improving the workplace. Nonetheless, unions on
behalf of government workers are expanding while a majority of union members today now have
ties to a government individual, at the federal, state or local levels. Approximately 1–in–3 public
division workers is a union member, associated with about 1 in 15 for the private division
employees last year. Overall, 11 percent of wage and salary worker's in the United States are
unionized, down from 35 percent during the mid–1950s.
Local versus national unions and how these groups may affect future and global unionization. There
are different levels of the labor unions from local, to the general, and
to the national officers. They are responsible for bringing out the policies and programs
of the unions. Support for the union programs is not enforced. It 's agreed upon
constitutionally by locals attending. As a national union depends entirely on how well
local unions live up to the agreement they strike annually with all the other locals in our
union. A remarkable example of real equality in action is watching member express
amazement at how it was conducted. National unions tend to provide advice and
assistance for their members so the that they can be fully informed about different
decisions on matters that may affect their locals. All wages and conditions are directly

The Collapse Of Washington Mutual Essay
J.P. Morgan planned to close branches of Washington Mutual that J.P. Morgan was already settled
and successful in.
Sidel, Robin, David Enrich, and Dan Fitzpatrick. "WaMu Is Seized, Sold Off to J.P. Morgan, In
Largest Failure in U.S. Banking History." WSJ. Wsj.com, 26 Sept. 2008, 25 Nov. 2016.
Sidel, Enrich, and Fitzpatrick discuss what lead to the collapse of Washington Mutual back in 2008.
Leading up to the collapse of Washington Mutual, the downfall of the housing market was
impacting the mortgage portfolios of Washington Mutual. A month before the collapse the bank tried
to auction itself off, with little to no offers. Washington Mutual's customers began pulling out their
deposits, reaching $16.7 billion in just a couple days after Lehman Brothers had filed for bankruptcy
protection on September 15, 2008. Because of the overwhelming amount of deposits that had been
pulled from the bank, Washington Mutual did not have enough cash or liquidity resources to meet
their obligations and in turn proved to be an unsafe bank to do business with. The FDIC rapidly set a
deadline for offers by parties interested in taking over the bank on a Wednesday instead of the usual
Friday that the FDIC has been known to do in the past. Eventually on that Thursday, J.P. Morgan
bought Washington Mutual for $1.9 billion. J.P. Morgan was able to start business in states that they
had not been apart of before including California and Florida, where Washington Mutual had over
900 branches located.

Philippine Financial Institutions
FINANCIAL INSTITUTIONS
* Regarded as the suppliers of financial resources. * Enormous capital structure compared to other
institutions (Educational and Religious) * Funds that they supply to the different markets do not
originate totally from them but some come from the public source. * Their vast activities interlinked
with the activities of other business organizations. * They are part of different aspects of the use and
need of Financial Resources.
INSTITUTIONS IN THE PHILIPPINE FINANCIAL SYSTEM
(As classified by The Bangko Sentral ng Pilipinas)
I. Bank Financial Institutions II. Non–bank Financial Intermediaries III. Non–bank Thrift
Institutions
I. CLASSIFICATION OF BANK FINANCIAL INSTITUTIONS AND THEIR ... Show more
* Most RB's have ATMs, Remittance services, Peso and Dollar Accounts, Checking accounts, Time
Deposits, Micro financing loans and OFW placement loan packages.
4. Quasi Banks a. Non–bank quasi bank Investment House P20 Million
b. Investment House not Non–bank quasi bank P20 Million
http://beginnersinvest.about.com/od/banking/a/investment–bank.htm II. NON–BANK FINANCIAL
INTERMEDIARIES AND THEIR MINIMUM CAPITALIZATION
(Privately owned Institutions)
1. Investment house P20 Million * Any enterprise which engages in the underwriting of securities of
other corporations * organized in the form of stock corporations 2. Financing Companies P0.5
Million http://www.chanrobles.com/republicacts/republicactno9474.html#.US8ZxqJHI–c 3.
Investment Companies no specification 4. Insurance Companies * A company that offers insurance
policies to the public * selling directly to an individual or through another source such as an
employee's benefit plan. * usually comprised of multiple insurance agents. * An insurance company
can specialize in one type of insurance, such as life insurance, health insurance, or auto insurance, or
offer multiple types of insurance.

a. Direct writing company P10 Million b. Professional Reinsurer P15 Million
Example:
Insular Life
Manulife China Bank Life Assurance Corporation
Philippine American Life and General Insurance

Aims And Objectives Of Shari Rozgar Yojna
Introduction
The Swarna Jayanti Shahari Rozgar Yojana (SJSRY) was a centrally sponsored updated poverty
alleviation scheme launched on, 1st December 1997 substituting the three schemes of: Nehru
Rozgar Yojana (NRY), Urban Basic Services for the Poor (UBSP), Prime Minister's Integrated
Urban Poverty Eradication Programme (PMI UPEP). The provision of inputs under the Scheme was
done through the medium of urban local bodies and community structures. Thus, SJSRY focussed
on strengthening these urban local bodies and community organizations to empower them to address
the issues of employment and income generation facing the urban poor (SJSRY– Revised
Guidelines, 2012).
Aim and Objectives of SJSRY
The basic aim of the Swarna Jayanti Shahari Rozgar Yojna was "to provide gainful employment to
the urban poor (living below the urban poverty line) unemployed or under–employed, through
setting up of self–employment ventures or provision of wage employment." (SJSRY– Revised
Guidelines, 2012). ... Show more content on Helpwriting.net ...
(SJSRY– Revised Guidelines, 2012)
Coverage: The target population under SJSRY was the urban poor living below the poverty line,
which was demarcated by the Planning Commission on periodical

How To Write A Persuasive Essay For Marines
SECNAV ANNOUNCES NEW ADMINISTRATIVE SEPARATION POLICY. To protect
servicemembers suffered with Post Traumatic Stress Disorder (PTSD), Traumatic Brain Injury
(TBI), or other diagnosed mental health condition, Secretary of the Navy Ray Mabus has made his
department the first in the military to assure such conditions are considered prior to separating a
servicemember. Effective immediately, Sailors and Marines being processed for any type of
involuntary administrative separation (ADSEP) who have a diagnosed mental health condition may
be referred into the Disability Evaluation System. Secretary of the Navy Ray Mabus stated, "It is
one of the great maxims of naval history that Sailors and Marines are the sea services' greatest
advantage ... Show more content on Helpwriting.net ...
NAVY RECOGNIZES LESBIAN, GAY, BISEXUAL AND TRANSGENDER (LGBT) PRIDE
MONTH. The Navy joins the nation in recognizing Lesbian, Gay, Bisexual, and Transgender Pride
month during the month of June. Established by Presidential Proclamation in 2000, LGBT Pride
Month is an annual celebration that recognizes the importance of diversity within our society and
the many achievements of LGBT individuals. This year's theme is "Celebration", and calls
Americans to eliminate prejudice and celebrate our diversity. This month, the Navy recognizes
LGBT service members and civilians for their dedicated service to our country. "Diversity is a
source of strength for the Navy, and is [a] key component to maintaining our highest state of
readiness," said a Navy spokesperson. "Diversity encompasses more than race and gender –– we
seek to include diversity of thought, background, language, culture and skills as well. Our force
comes from a diverse populous, and we are simply better at what we do when we are more diverse.
We want individuals to serve who are right for the job regardless of race, gender, sexual orientation,
and creed. Our goal is to ensure that the mission is carried out by the best–qualified and the most
capable service

Naval History And Heritage Command (NHHC)
ENHANCE THE MISSION! Naval History and Heritage Command (NHHC) encourages the use of
their information and resources to support Navy commands and fleet units. All Commanding
Officers (COs), Executive Officers (XOs), Officers–in–Charge (OICs), and Command Master
Chiefs (CMCs) are encouraged to use the various resources provided by NHHC to promote naval
history and heritage as desired in execution of their duties. Naval history and heritage are important
components to every command's warfighting effectiveness. Naval history and heritage inspires and
empowers the Navy's most important asset, its Sailors. Our 240 years of proud history and traditions
serve as foundation for Navy's core values of honor, courage, and commitment. Our history ... Show
OPERATIONAL SECURITY. The slogan 'Loose Lips Sink Ships' is dated but still embodies the
basic principle of Operational Security, or OPSEC. A newer slogan, 'Loose Tweets Destroy Fleets'
carries the same message. OPSEC is a multi–faceted concept that strives to prevent the inadvertent
compromise of sensitive or classified activities, capabilities or intentions. OPSEC involves a
relatively simple five–step process that anyone can use: – Identify critical information – information
can assist an adversary in many ways. – Analyze information threat. Does an adversary have the
capability to collect or use the information, and if so, how? – Analyze the vulnerabilities – how is
the critical information relayed daily and how is it protected? – Risk assessment – how likely is it
that the information could be compromised. – Countermeasure development – what steps can be
taken to protect information from being disclosed? Additional simple steps include avoid talking
about work away from the office; be aware of your immediate surroundings at all times, and who is
in the area. Keep in mind that what is not being said can be information in itself. Whether on or off
work, a Sailor's safest bet is to assume

Process Essay
Looking Fashionable on a Limited Budget Is it possible to look fashionable with a limited amount of
money? Many women, especially college students and young adults, want to look stylish without
emptying their bank account. This can be difficult to achieve because women want to be up to date
with trends, but trends continuously change leaving them with little money. To help keep women
from spending money on the next latest trend, they must know how to become fashionable while
still able to save. Knowing where to begin is key to looking fashionable without breaking the bank.
[Question] Before going out and spending money, one must first know how to dress for their figure.
... Show more content on Helpwriting.net ...
It is suggested that these women have everything fitted where the clothes pinch slightly at the waist.
This figure is the only one where wearing a wrap around dresses is okay because the dress's fabric is
pulled in at the skinniest part of the waist, drawing attention to it. These women can also wear low
and slimming necklines such as V–necks and scoop necks which slim down the bust but avoid boat
necks because they can make her look top heavy. Choosing patterns and colours wisely are also
helpful as( it can affect the way her body looks.) Certain colours look different on different skin
tones while some patterns can give the illusion that a woman is larger than she actually is. This is
why patterns and colours are important to know. When a woman knows what suits her then she can
better aid how she dresses. Not everyone can wear every colour there is in existence because (people
have different tones of skin). There is only a small range of colours that will suit a person. If
someone has pale skin, they can wear jewel toned colours. Jewel tones are what precious and semi–
precious gem colours are like vibrant reds, blues, greens, purples, and black. If someone has olive or
tan skin, they can wear autumn tones. These would include reds, browns, oranges, and greens. They
should avoid any light or pastel colours. And if someone has a darker complexion, greens golds,
reds, and purples look best. Just like people with olive skin, they should not wear

A Millennial Revolution

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