The Marketing Strategy Of Countdown Essay
Countdown is one of the market leaders in the FMCG industry in New Zealand where the customers
are changing rapidly. The author has chosen Countdown for the study as it has a well–known history
of success in satisfying multicultural customers in New Zealand and also it is on a continuous look
out for the possibilities in growth.
The author has selected two models which are Porters Five Force and Value Chain and has applied
these models on Countdown. Woolworths, Progress Enterprises and Countdown supermarket's web
sites are the key resources for this report.
A thorough study of the IT systems in Countdown supermarket has been made by various methods
such as personal visits to the branches, oral interviews with Countdown staff and also by studying
the resources available on the websites. The assumption that has been made after reviewing all the
available resources is that the Countdown is still using a legacy mainframe system for their Payroll
management system.
The Author has analysed the company based on the information that has been gathered and aims to
make an IT plan. This IT plan would include current and proposed IT systems and its processes. The
new IT systems may include CRM, CPFR and web based approach for payroll management.
To enable successful execution of the new IT plans the author plans to move ahead with the
planning on SLA (Service Level Agreement) with third party IT vendors, IT Security and plan to
mitigate risks. The author has prioritized the proposed
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Benefits Of The Prepaid Plan
We know college can be very expensive. There are many expenses for higher education including;
tuition, room and board, books, and extra cost. That being said, there are many programs and plans
that can assist with the cost. I will discuss 529 plans, Coverdell education savings account,
American Opportunity Tax Credit, Lifetime Learning Credits, and tuition fees.
There is a 529 Plan that can help the parent start preparing for their child's college. The plan will
help families save many for future college funding. The plan is setup into two plans, saving and
prepaid. Saving plans work by investing your money in shared funds. If the family were to choose
the savings plan, it comes with different options to invest the family's money in. The account will
either increase or decrease in value based on the investment. The prepaid plan will allow the family
to pre–pay all of the cost for public higher education. The prepaid plan may also be converted for a
private college. Even though contributions are not deductible, the income in the plan is federally
tax–free. Therefore, the income will not be taxed when they are removed to pay for college. The 529
plan does not have to be reported on tax return. The donor will stay in control of the account. The
account owner can withdraw funds at any time, but non–qualified withdrawals will earn income tax
and a ten percent tax. Anyone can qualify for a 529 plan. There are no limits on income, age, or
yearly contribution. (§529)
Coverdell

The Free Application For Federal Student Aid
Introduction During week two, we were tasked to conduct a financial analysis of the Johnson family
and assess their ability to independently fund the college educations of their three children. That
analysis determined the two hundred dollars currently contributed monthly to each child's college
fund since each child was born will not fully fund their educations, given their ages, current
balances in each college fund and the annual inflation of college costs. Assuming their available
cash flow will only support the current monthly college fund contributions, alternative methods and
financial tools must be explored to mitigate the shortfall. The purpose of this paper will be to
research other college funding alternatives which may ... Show more content on Helpwriting.net ...
However, it is equally important for other potential forms of financial aid as "many states and
colleges use your FAFSA data to determine your eligibility for state and school aid, and some
private financial aid providers may use your FAFSA information to determine whether you qualify
for their aid" (Federal Student Aid, 2017, p.1). Federal Student Aid is a very large program
"providing more than $150 billion in federal grants, loans, and work–study funds each year to more
than 13 million students paying for college or career school" (Federal Student Aid, 2017, p.1).
Therefore, the student who is seeking financial aid to cover a portion of college costs needs to first
and foremost complete a FAFSA application as it is the basis for Federal Student Aid but is also the
data source for other forms of student financial aid. FAFSA applications consider the assets of the
parents and the student in determining the Expected Family Contribution (EFC) and will normally
expect a higher percentage of contribution from student assets vice a lower percentage from the
parents (Mannaioni & Greer 2016). For determining family or student assets to be assessed against
potential financial aid, FAFSA places emphasis on family or student adjusted gross income as other
assets such as "retirement accounts, cash value life insurance, home equity and small business
assets" are excluded when calculating the EFC. Institutional Methodology, on the other

Similarities Between Proctor And Gamble And Unilever
Proctor and Gamble vs. Unilever Over the past decades creating corporate social responsibility has
become very important to companies in order to compete in their industries. It has become obvious
to the public that corporations have so much power in society; so corporations efforts to improve
society has become a necessity to many consumers. Corporate social responsibility is defined in our
textbook as, "a business concern for society's welfare"(Lamb, Hair, McDaniel 2017). When taking a
look at Proctor and Gamble and Unilever's goals to create stronger corporate social responsibility in
society I have identified a few major similarities and differences. First we will talk about a few of
the similarities that have been identified in these company's plans. One similarity shared between
these company's plans is their focus on Gender inclusiveness. Unilever's goal is to empower 5
million women by 2020, while P&G is also focusing on empowering women in many ways. One of
the ways is by promoting work for women within the firm, in India they claim to have 30% of their
plant workforce being women. Another similarity can be seen in their focus on enhancing lives
through out the world. A Forbes article about Unilever outlined that, "the washing brand Persil has
helped 10m children get an education whilst cleaning bleach Domestos has helped 5m people gain
access to toilets"(Feller 2016). P&G has also shown is commitment to improving lives by teaming
up with Habitats for Humanity to provide shelter for low–income families. According to Habitats
website, "Nearly 2,000 P&G employees have built, repaired or cleaned homes with 12,000 families"
(Proctor and Gamble 2015). The last similarity that I have found is both companies have set their
goals for 2020 and have tracked their progress over the years. Unilever has focused on its three main
goals and have further divided these goals into 50 goals in order to track their progress. P&G has
done a similar thing by creating sub goals within each of their four major goals. Both company's
track and reported yearly progress for each of these goals.
There are a few major differences between P&G's and Unilever's plans. First off Unilever focus
more on differences the consumer of

Building a New Mentality and a more Aware Society to Fight...
Introduction The obesity levels have reached its highest limits in the MENA region recently. People
who are eating from the boxes are more than those who eat from the nature, fast food industry is
booming and the diseases do increasingly take over a day after another. We need a new mentality
and more aware society to control the obesity, that for sure; however we need an effective tools and
handy services that have the potential of restraining the so – called "developing countries killer".
Product Description The product is a research–based technology. A recapitulation of previous
softwares concerned by health and dieting developed in collaboration with the world's finest chefs
and nutritionists. "My Cooking Mate" is online/offline application developed to work on Android
and IOS operating platforms, which means that you will use it on the go, on portable devices
anywhere anytime. What is so special about the app is the fact that you will not struggle to decide
what to eat or what "shouldn't you eat". Basically to get started with the app, you have to build your
profile on spot by the time you download it and entering your details: your current weight, your
desired weight and other details, As the app calculates for you and creates the right daily macros,
you will choose your favorite cuisines and food types and then you will choose your mate (a vocal
instructor) who will give you a step–by–step guidance while you cook with a voice recognition
feature, you will

The Importance Of Being A Manager During Times Of Success...
Introduction:
The following Case Analysis details the many aspects of being a manager during times of success
and struggle. Ron Bent, a plant manager at Engstrom Auto Mirror plant in Indiana, implements a
bonus incentive plan in order to raise morale and productivity in his company. The following
analysis will demonstrate how at its inception, the plan is successful in its goals, but eventually
starts to decline when a downturn hit the industry. In this paper, several recommendations will be
made on whether or not the Scanlon plan should be abandoned, and strategies Ron Bent can take to
increase performance at the Engstrom Auto Mirror Plant.
Analysis: The Scanlon plan was introduced in the 1930's by Joseph Scanlon, an accountant and
member of the Steelworkers union (2). The Scanlon plan that Engstrom used focused on cost saving
and higher production, which would then increase labor savings. Adapting the plan is a long process,
and Bent made sure 75% of employees were on board. Engstroms version encouraged suggestions at
all levels, and encouraged input to help productivity. The plan focused on transparency of financial
and business data to all ranks of the organization (2). With transparency, allowing suggestions, and
an encouragement of new ideas, Bent believed that the plan would provide a source of intrinsic
motivation to employees of Engstrom. As stated earlier, Bent ensured that at least 75% of his
workforce agreed to the plan. By doing so, he was examining the

Advantages Of 529 Plan
A 529 plan is one way of saving money for college for qualified educational expenses, including
tuition, college fees, room and board, books, computer and computer associated equipment, and
required school supplies and equipment. The IRS has specific guidelines in IRS Publication 970:
Tax Benefits for Education.
The IRS has a 529 Plans: Questions and Answers web page which lists common questions about the
plans.
An example of state specific plans is the North Carolina 529 Plan. In North Carolina, a 529 plan is
one way of saving money for college for family members, friends, and even the account holder.
In North Carolina an NC 529 account can be opened by persons of over age 18 who have a valid
Social Security number or taxpayer identification

Strategic Plan Of The Saudi Arabia Ministry Of Foreign...
Introduction:
The Saudi Arabia Ministry of Foreign Affairs has a five year applied strategic plan (ASP) to develop
the performance of its human resources. This ASP is put in place to help senior leaders establish a
better outcome form new hired employees at the ministry. The purpose of this ASP is to draft a
roadmap for new employees to enroll in training and gain techniques. The foundation of this plan is
training for employees on learning new techniques. That the human resources (HR) applied strategic
plan is in place, but not very efficient to accomplish their goals. A re–examination is needed.
Applied Strategic Planning
The applied strategic plan lays the five year framework for the new hired employees to become
productive and successful. The ministry has developed its strategic plan from operational
applications and previous data. There are four aspects of ASP that will be examined:
1. Planning to plan. Since the ministry has an existing strategic plan, the post–planning will be
designed to tactics on developed. This plan will be presented to senior leaders of the ministry.
2. Environmental monitoring. Examining the macro, industrial, competitive, and internal
environments will produce the reasoning and ongoing analysis as to why this plan will support the
senior leaders and new employees achieve their best performance.
3. Values Scan. Analysis is necessary to identify the deficiencies and errors that need modification.
4. Mission Formulation. To expand and

529 Plans In Higher Education: A Case Study
If you are like many Americans, you may not be. College costs are rising quickly, although not as
much for 2013–14 school year as in the past. For tuition and fees only in 2011–12, we saw increases
of 8.5%; in 2012–13, we saw increases of 4.5%; and for 2013–14, the increases were 2.9%. Who
knows what the future holds? It is best to start preparing now. A 529 plan can help you with the
uncertainty, and help you to be ready financially for when beloved sweet pea leaves the nest for
some higher education.
What is a 529 Plan?
A 529 Plan is an education savings plan operated by a state or educational institution designed to
help families set aside funds for future college costs. 529 Plans can be used to meet costs of
qualified colleges nationwide. In most plans, your choice of school is not affected by the state your
529 savings plan is from.
Why might I need a 529 Plan? ... Show more content on Helpwriting.net ...
If you have any desire to pay for any, or all of your children's college costs, it is best to start saving
early. For example, a child currently 2 years old, with no 529 plan yet established, who will go to 4
years of public, in–state school, will likely need almost $240,000 to pay for their college! If you
start funding a 529 plan now, you would need to save a little more than $600 monthly to pay for the
entire 4 years of college (this includes anticipated college cost increases of 5% annually and with
6% after tax earnings each year in your college savings fund). A private school for 4 years could be
double these

Functions And Activities Of Health Services
Health Services Management is connected to procedures, actions, functions and activities that are
carried out in improving Health care or services. Health Services helps to enhance health of an
individual by serving the population in a right way. Moreover, Management in Health Services plays
an essential role to deliver care services by applying appropriate technologies to meet the health
demands of the societies served. Thus, management is responsible for delivering health services in
an effective or mannered way in keeping with restrictions or limitations and chances of the
environment. Moreover, planning is the fundamental issue in health services management.Planning
is a continuous process which starts with setting of goals and ... Show more content on
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In addition, a leader always think that what to do in the future to achieve the goals and how to reach
to gain the success and whether the planning which is made is effective or not for the desired future
outcome.This essay will examines the fundamental issues in Health Services Management that are
planning and decision making which plays a vital role in managing Health Services Management in
a creative manner but planning is the most important fundamental issue to make all the process
happened in a positive way and the abilities of a leader to control the healthcare sector environment
with leadership skills like knowledge, analysing the situation, successfully coordinates the work of
the group, inspires confidence, motivating the workers, managing goals, plan, policies and achieving
workable unity in order to achieve the specific goals
There are various characteristics of planning in Health Services Management. Planning is the
primary issue in Health Services Management which should be made in very effective and
disciplined ways. Planning is very necessary to achieve the objectives which can be attained only by
adopting the well planned methods and adequate manners. According to Liebler and McConnell
(2004) ,adequate plans should be made with ability so that it can be changed with flexibility
(p.89).Therefore,original successful plans have flexibility to improve old plans into new plans in
order to make some

The Business Communication Market Is Growing Tremendously...
Newtel is pleased to refer to HUNSA's request for proposal dated 1 May 2015. We understand that
your company has been having issues with your current communication provider. We have
recognised this as a unique opportunity to work closely with your company – and we aim to resolve
your current issues with our innovative way of thinking.
We strongly believe the Business communication market is growing tremendously and Newtel is
uniquely positioned to successfully fulfil both present and future requirements.
By accepting our proposal, Hunsa will encounter the following benefits:
We aim to be the company where geography doesn't compromise quality. Hence, we have entered in
multiple agreements with local communication infrastructure providers to provide the best overall
coverage quality.
We are highly confident in our pricing strategy, providing you very competitive pricing in the
telecommunications market. We aim to provide you with the most value possible through our wide
range of pricing options available at your disposal for anyone within your firm.
We understand that business doesn't always go to plan and there is always unforeseen circumstances
operating a business. This is where the flexibility of our business mobile plans excel, we will not
charge exuberant prices (like our competitors) for excess amounts of data or minute of calling,
simply log into our website and add an extra data or calling boost to the account for the month.
We pride our self on customer

Personal Narrative : A Short Story
=One day Breanna was on her way to the store. She was going to the store for some clothes and
food. Breanna is seventeen years old and loves shopping. When she got to the store she saw two
security guards. She was a little confused but didn't worry about it. When she was about to go inside
the store one of the guards stopped her. Then she could not believe what she heard.
"I am sorry ma'm but you can not come into this store" said the guard. "What!? Why!" said Breanna.
"It is now against the law for a women to come inside a store without a male adult with you" said
the guard. "What! That is so unfair!!" said Breanna feeling anger boil in her blood. "I understand
how you are feeling ma'am but unless you have a male adult with you then I will have to ask you to
leave" said one of the guards. Then in that moment Breanna stormed off.
Right when Breanna got home she went straight to her mom. When she saw her mom she told her
everything. When her mom heard what happened the news she was just as confused and shocked as
Breanna. "Mom we should really do something about this" exclaimed Breanna. "Honey, we should
just give it some time" said her mom. "Breanna I am not talking about this with you!" said her mom
starting to get angry. "Ok fine mom!" said Breanna.
The next day Breanna started texting all of her friends about the new law. The first person she texted
was Addy, her best friend. Addy was completely shocked, confused, and even a little sad. They kept
on

Total Rewards
Describe each of the top five (5) advantages of a total rewards approach.
The first advantage of a total rewards approach is self fulfillment so that people are recognized for
what they do and encouraged to reach their potential through effective learning and development
processes and given feedback on their performance. The second advantage is an organization culture
where roles are clear and organizational and personal values are in alignment so that employees
engage and enjoy work. Another way to consider the necessary components of rewarding people is
to view them as individuals, within their team, in the organization and generally in the workplace.
The fourth advantage is recognition, you must make sure that the employees ... Show more content
on Helpwriting.net ...
The next step in developing your communication plan is to identify objective/goal statements that
indicate the "end state" you hope to achieve. It's critical that each of your objectives/goals has a
specific, targeted "end point" or outcome. This both helps you determine the amount of resources
that must be allocated to achieve the goal and also provides an indicator of success. The next step is
to target your audience because you will need to remember that your challenge will be finding a
balance between exerting more effort than is required to communicate to various audiences and not
exerting enough effort to impact the appropriate audiences. A good starting point in identifying
target audiences is to consider the various stakeholders that the message impacts. Each identified
target audience has different communication needs. The content, order and number of key messages
are likely to vary by group. The fewer and more specific your key messages can be, the better. Three
key messages are a good number to aim for more than that will broaden your focus and minimize
the impact of your communication. Objectives/goals identify the end points you hope to achieve.
You will have to go beyond these broad objectives to identify

The Purpose Of Process And Process Planning
.PROCESS PLANNING
1.1 PURPOSE OF PROCESS PLANNING
Process planning is defined as the development of set of instructions describing all the operations
required to convert a design into a product. Process planning deals with the selection of the
processes and the determination of requirements of the processes. The selected operations and
requirements have to be realized in order to transform raw material into a given shape. All the
specifications and requirements of operations are included in the process plan.
The process plan is a document such as drawing. Both the drawing and the process plan present the
basic document for the manufacturing of part/assembly.
Process planning is the planning activity of a planner. In TML following activities

Article Report On Google 's Article On Facebook
Goal Setting – Your Goal Is More Important Than the Route You Take to Get There
By Carrie Greene | Submitted On April 15, 2016
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Expert Author Carrie Greene
When I set out for my walk today, I had several very specific goals in mind. I wanted to walk for
about an hour, cover about 4 miles, and get some inspiration along with fresh air. Based on my
goals, I created a plan. I would drive to a large wooded "reservation" near my home. I plotted the
path I would take. I would start by walking through the woods toward a paved path, do the loop on
that path, and finally circle back along the road to my car.
I parked my car and headed to the path that would take me through the wooded area. It 's right next
to a dog park. There were five people walking with their dogs along the path that I was about to turn
onto. I don 't have a dog and frankly, didn 't want the company. How was it that, before I even
began, my plan wasn 't working out right?
Entrepreneurs and goal setting
The reason I 'm sharing this story is because I see this happening every day to the entrepreneurs I
speak with. Goals are set, plans are made, and then something goes wrong. They don 't

Ese 697 Week 2 Assignment Lesson Plan 2 Phonics or Oral...
ESE 697 Week 2 Assignment Lesson Plan 2 Phonics or Oral Language
To Buy This material Click below link http://www.uoptutors.com/ESE–697–ASH/ESE–697–Week–
2–Assignment–Lesson–Plan–2–Phonics–or–Oral–Language Lesson Plan #2:
Phonics or Oral Language. As you have learned this week, it is essential to understand how to plan
for effective instruction in phonics and oral language for students with disabilities. In the classroom,
it is important for all lesson plans to not only integrate effective strategies for instruction and
accommodations for students with disabilities, but to also align with Common Core State Standards
and the student's individualized needs. This lesson plan will focus on using effective, research–based
strategies for ... Show more content on Helpwriting.net ...
Include the type of disability, the student's individualized needs of the student, and any pertinent
information about the student(s).
d. Common Core State Standards and lesson objective: Provide a specific learning objective for the
lesson and the Common Core State Standard that the lesson plan will address.
e. Assessment: Describe how you will assess student learning of the lesson objective based on the
age/grade/ and needs documented.
f. Accommodations or modifications to be provided: Provide a detailed description of the
accommodations you will use throughout the lesson to address the individualized needs of each
student with a disability.
g. Teaching procedures: Provide a detailed description of the teaching procedures, including teacher
input and modeling, guided practice, independent practice, and closure. This section must include
strategies from the text and peer–reviewed articles related to effective strategies for teaching
students with disabilities. You must cite your sources to demonstrate your knowledge of effective
strategies.
h. Checks for understanding: Throughout the lesson, you will provide at least three ways that you
will check for understanding to ensure students are grasping pertinent and central concepts in your
lesson.
i. Reflection: This section will include a brief reflection on how assessment will help inform you of
your students' achievement of the learning objective, as well as how it will inform your future

529 Savings Plan Case Study
David Schleis– Using 529 plans to save for college
Exploring the Details of a 529 Savings Plan
David Schleis and his colleagues at DS Financial Advisors, Inc help families to set up 529 Savings
Plans in Pennsylvania. This group of well respected Tax Preparers and accountants comprehend the
benefits and details surrounding this educational savings program. If you have a child, or a child in
your life, he recommends that you find a tax professional in your area who can help you set up the
529 Saving Plan to prepare for their educational future.
What is a 529 Savings Plan?
In recent years, the cost of tuition has increased to an astounding rate. Most parents are not in a
position to pay the full cost of their child's higher education. Sadly, ... Show more content on
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If, for example, a 529 Savings Plan is opened for your oldest child, and they decide to join the
military instead of going to college, that account can be transferred to another child in the family. In
this way, these plans can also be split between multiple children. Instead of joining the military,
maybe that child chooses a college that costs far less money than is saved, or maybe they receive
scholarship and grant money to offset their tuition costs. The money that is not used toward that
child can be moved to another child, by turning them into the new

Rusty Tims
Rusty Rims IT Strategic Plan, Part 2
Before you begin this assignment, be sure you have read the "Rusty Rims Case Study" and the
feedback you received on your IT Strategic Plan Part 1 assignment. Also, be sure you have read the
chapters in the textbook that have been assigned to this point.
Purpose of this Assignment
This assignment gives you the opportunity to apply the course concepts to complete the
development of an Information Technology Strategic Plan (ITSP) to support the strategic direction
of Rusty Rims
Distribution Company (RR). This assignment specifically addresses the following course outcomes
to enable you to:


identify, define, and explain the concepts of information technology governance and
management ... Show more content on Helpwriting.net ...
Create a roadmap, similar to the one in the textbook, Chapter 9,
Figure 9.3. The table below is similar to Figure 9.3; it shows the five functional areas of an example
company and two systems for each area. To develop your roadmap, use a table like the one below;
you can copy the table, insert the functional areas and systems that are discussed in the Case Study,
and use 'insert shape – rectangle' to insert the bars showing the timeframes for development of each.
The functional areas and projects in development, and their timeframes should be extracted from the
Case Study. Be sure to include an introductory paragraph to explain the table that will follow.
Projects by
Functional Area
Qtr. 1
Qtr. 2
Qtr. 3
Qtr. 4
Qtr. 5

Qtr. 6
Sales
Sales Force Automation
Online Quoting
Product Development
Collaboration – Wikis, Blogs
Showcase Company Products
Marketing
Customer Experience
Marketing Analytics
Finance
Business Intelligence
Global Payroll
Technical Support
Network Upgrade
Data Center Move
3. Proposed Project: Next, you will propose a new IT project to support at least one of the strategies
in section 1 above, and include it in the Table above. Use a different color font to indicate this new
project and insert it with the appropriate functional area in your table. In
Section 3, describe how your proposed project will supplement the current IT development

Higher Education Savings Plans Essay
Higher Education Savings Plans
Abstract
This paper is about the Section 529 higher education savings plans that allow family members to
receive certain tax breaks while investing for a child's higher education. The data used in this study
is the historical rate of return on a Connecticut 529 plan versus the benchmark, the S&P 500.
The time period covered was the inception of this plan starting in 2002 up to the start of research on
this study, the end of September, 2004. The tests show that although this particular 529 plan offers
tax benefits that could help in investing for higher education, that this particular plan failed to
outperform the market during the period observed. Therefore it is my ... Show more content on
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Such a plan allows an individual donor to contribute up to $55,000 to the account with couples
allowed up to $110,000 without paying gift taxes and without reducing estate tax credits (Malkiel,
2003). But as we know, if it does not outgain the alternative, then it is not a worthwhile cause. Plans
have a 10% penalty that is assessed on the income portion of any distribution in excess of qualified
higher education expenses as well as a penalty for withdrawals not made for a qualified use. Such
penalties are on top of the federal taxes that now must be paid to due to non–qualifying use (Auster,
2003). Therefore, there is a need to examine further just how well these 529 savings plans are
performing and whether it is a way to beat the market.
I. Literature Review
There are many positive aspects of Section 529 college savings plans that are attractive to parents
and grandparents. These plans are designed to encourage saving for college or post–graduate
education of the younger generations. These plans let the family save for any eligible higher
education institution in the United States. Qualified higher education expenses include tuition, fees,
room and board, required books, supplies and equipment at an eligible institution.
There is no question of the growing popularity in these plans. Their assets had doubled by 2003 and
could triple to approximately $50 billion by 2005 (Karp, 2003).

Time Management
Time Management
By:
Time management is often thought of when describing task related to business management or
executive positions; those who have meetings and appointments related to business deals as well as
meeting deadlines and time lines. However, time management is something everyone will have to
deal with no matter the task or job. The following essay will describe time management and its
importance in the work place as well as its importance for those who use it on a more personal level
such as studying and learning. The essay will also explore strategies for maximizing time
management and the associated individual responsibilities of time management. Finally, the benefits
of time management will be discussed.
Importance of ... Show more content on Helpwriting.net ...
Phillips (2009) also suggest some unconventional strategies such as taking a break, which may seem
as a waste at time; however this will allow tasks or jobs to be looked at with fresh eyes after a break.
Phillips (2009) also suggest that developing an ability to say no to certain assignments which can be
beneficial in reducing overload, while this may be feasible for work assignments it does not work
with school assignments. Lastly Phillips (2009) recommends that time is made to maintain optimum
health which includes eating right and getting enough rest as well as scheduling and keeping health
checkups. Care must be taken to adapt the strategies that will best suit individual needs, while some
advocate checking emails regularly as well as dealing with distractions, others suggest strategies that
minimize interruptions, such as standing during phone conversations, or repeatedly checking the
time while having a face to face conversations all in an effort to cut the distractions short (You can't
make more time, 2008). It has also been suggested to turn off e–mail alerts during peak working
time to maximize the time spent doing work (You can't make more time, 2008). These strategies of
completely focusing on the task and eliminating

Questions On Article On ' 5 Budget Mistakes You 're Making...
5 Budget Mistakes You 're Making In Your Business Right Now
By Sherrell T. Martin | Submitted On October 26, 2014
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Expert Author Sherrell T. Martin
As we head into the 4th quarter, you are super focused on ending the year with a bang, right? It is
also the best time to start thinking about your plans for the upcoming year. Take a look at your
current year to date actual figures and answer these questions:
How ... Show more content on Helpwriting.net ...
Without it you are operating your business blindly. Trying to hit a target that you can 't even see.
Have you ever tried to shoot a dart at a bullseye? Very hard to do right. Well operating a business
without a budget is like trying to hit that same bulls eye in the dark. Impossible to hit that target...
unless you can see in the dark.
2. Not tracking against your actuals.
Once you have a budget you must compare how you are performing to that budget regularly.
Minimally once per quarter. If you don 't do this critical step then you have no idea how good or bad
you are doing as compared to that plan. Comparing your budget to your actuals helps you
understand what is really going on in your business. It also helps you see how your business is
trending year over year as well as compared to your industry competitors.
3. Not following your budget.
Once you create your budget you MUST FOLLOW IT. Say it with me I WILL FOLLOW MY
BUDGET. There is nothing worse than creating a budget and not following it. Why create a plan
and then place it in a drawer and never look it again? That is the equivalent of not having a budget at
all. Would you climb a mountain without a guide? No. Would you buy a house without determining
a budget around how much house you can afford and the taxes and the insurance and the utilities.
No. So why would you operate your business without a plan? Following your budget allows you to
see

Hausser Food Company
CASE: HAUSSER FOOD PRODUCTS (HFP) COMPANY:
● Brenda Cooper → South–eastern Regional Sales Manager (Jefa de ventas de la Región Sudeste)
for the HFP.
● Her concern: their current methods of selling products are not adequate.
1) Background: (Antecedentes):
● HFP: was a leading producer and marketer of infant foods in the U.S. (era un destacado productor
y vendedor de comida infantil en Estados Unidos). It maintained a market share of aprox. 60%.
● Its products line included: strained (triturada/machacada) or partially strained or chopped
(picado/cortado en trozos pequeños) meats, fruits and combination dishes.
● HFP owned its production and warehousing (almacenamiento) facilities. Its distribution network
provided ... Show more content on Helpwriting.net ...
*District manager and sales responsibles received low base salaries plus bonus.
4) The Problems of the Regional Sales Manager:
● Brenda Cooper, seated in her Atlanta office, talked about some problems she was facing in her
region:
– Very mature product line → The need to diversify.
– There must be better ways of selling our product → The need to increase existing sales.
– Problem → we haven´t had many new ideas from our sales teams.
● Brenda was going over (estaba dándole vueltas/analizando) the sales performance (resultado de
ventas) of the different districts. She noted (observó):
– Jay Boyar and his group in Florida → They come in at 10% above plan (superan o llegan al 10%
sobre el plan de ventas).
– She cannot figure (no puede comprender/entender) how they do it.
– They must be doing something that could be used in other places, but when she asks them they
answer her with vague answers (respuestas imprecisas o vagas).
5) The Florida Sales Team:
● Jay Boyar was contemplating (considerando/contemplando) hiring (contratrar) an old friend with
sales experience for the next opening in his district → David Berz.
● David Berz talked about why he liked his job → "I´m my own boss, I like the freedom, being out
in the world, talking to people and making sales".
● Neil Portnow (a team member)→ commented on the group:
– This is a great bunch (grupo) of guys to work with → Jay knows how to do our jobs and he doesn
´t try to put a lot of controls on

Planning Consultants Of Somersworth, New Hampshire
According to the planning consultants of Somersworth, New Hampshire (2010) a new Master Plan
has been revised for a vision into 2020 due to significant investment in both the private and public
sector. Somersworth is currently undergoing significant change since 2000 and these modifications
to the city allow for several social and economic opportunities in the area. Development and
redevelopment that has occurred since 2000 has been the relocation of both City Hall and the Police
Department, the renovation of an old mill building into residential units and small business offices,
an expansion of retail development and medical offices, constructing a connector road from High
Street to Route 108, establishing business parks, developing a golf course and a recreational facility,
upgrading the wastewater treatment facilities, and lastly, dedicating land acquisition to conservation
purposes (Master Plan Update, 2010).
The basis of this paper is to layout improvements that can be made to the Master Plan of
Somersworth, as well as provide improvements for the community. One of the most prominent
assets to the Master Plan was appointing a committee for the 2020 Vision in hopes to create a
positive future. Some of the goals the committee is striving to accomplish are as follows: an ability
to take a strategic goal and turn it into a practical plan, an incorporation of a revitalization plan, an
evaluation of new ways for economic growth, enabling a conservation plan for a sustainable

Graduation Speech : Avoiding College Debt
Avoiding College Debt
From elementary school career days to college visits in high school, the importance of continuing
our education is drilled into our heads from day one. What the adults who so graciously give up their
time to speak at career day fail to mention is enormous cost of college. So, what is a parent to do,
dash their child's dream of becoming a doctor, or find a way to make it happen? We all know a
college education comes with a high price tag, but with all the advantages like high income potential
and job stability, the investment is well worth it. With time and effort a college education does not
automatically come with tremendous debt.
Advantages of a College Degree
Meeting new people, taking interesting course and the added bonus leaving away from mom and
dad, just some of the things a new college thinks are the advantages of going to college. True is
while those are all great life experiences, there are true advantages to earning a Bachelor's Degree or
higher. First of all is that college graduates have higher annual incomes and greater lifetime earning
potential than non–graduates. According to the United States Census Bureau "median annual
salaries for college and advanced degrees : PhD's, $100,000 or more; master's, $63,000; bachelor's,
$55,700; associate's, $42,000; high school diploma, $32,500." (collegeatlas.org, 2015). The potential
lifetime earnings of college graduates are," bachelor's degree holders earn about $2.3 million over
their

Cbc 's Physical Facilities And Technical Infrastructure
CBC's physical location is 3096 Cherokee Street, Kennesaw, Georgia 30144. All educational
classrooms and clinic floor spaces are at this location. This location is also host to the management
office, the admissions department, the education department, the student services department, and
the financial aid department. Accounting and payroll are contracted out through Milkwick and
Company.
The physical resources of CBC are designed, managed, and maintained to serve institutional needs
as defined by the mission of the college. The physical equipment and the availability of equipment,
supplies, and other material resources are important to CBC. The Standard 6 Physical Resources and
Technical Infrastructure Committee is composed of employees and contractors that review and
evaluate the campus needs. They work on the implementation of these procedures with other
employees, including instructors, at CBC.
Analysis
1. A plan that addresses the adequacy and improvement of all physical facilities and technical
infrastructure has been developed and is maintained that includes, if applicable, distance education
infrastructure.
A plan for the adequacy and improvement of the physical facility and technical infrastructure has
been developed and is in use.
2. The technology used by the institution to deliver services and, if applicable, program content to
students meets the needs of the students without creating barriers to student support or learning.
CBC uses Smart web based program to

Fighting Rising College Tuition Costs Essay
Declining state support, educational race for top rankings, uneven financial aid, or economy
downfall: there are reasons all across the board as to why the cost of college tuition is getting out of
hand. Envision a senior girl whose heart had been set on her dream college for years. An elite,
honorable college where everyone seems to want to go. She has been telling her parents from an
early age she was going to one day be a member. While on a visit to the college in late fall of her
senior year, she fell in love with the beautiful campus which seemed to spread for miles. The
advisers and professors she met with were polite and unquestionably convincing. Her favorite part
of the visit was seeing how happy all of the current students ... Show more content on
Helpwriting.net ...
As more and more high school students realize this, the increased demand and need for college is
going to go up. According to the Lumina Foundation for Education, colleges are realizing students
and families are willing to go into debt as to increase their post–secondary education income
(Dickeson). What about the others who cannot afford to go this route? Individual states play a major
roll in the cost of higher education. If anyone has been watching the news lately, they most likely
have seen states facing budget problems and shortfalls. With this being said, it now means most of
the problem has been shifted onto the shoulders of the parents and aspiring students. Justification for
these outrageous costs is being demanded not only by parents, but also by state and federal officials.
According to the College Board, "In the past five years, the average cost of in–state tuition and fees
at public colleges has jumped 35% –– after adjustment for inflation. . . . In the past 25 years, the
average cost of tuition and fees has risen faster than personal income, consumer prices and even
health insurance" (Block 1). Tuition prices pose a serious problem, especially for families whose
income cannot keep up.
How much does college actually cost? The answer is, it varies. Colleges come in a wide variety.
Depending on location, rankings, public or private, majors and minors, and numerous other factors,
all play a factor in determining the cost of an

Cango Week 1 and 2 Analysis Essay examples
Week 1 Clip 1
Scenario:
Julian, the President of the Hudson Valley Business Association, places a phone call to Liz to inform
her she has been nominate the Regions Business Leader of the Year and that she will be expected to
deliver a speech at the next Association meeting about the "How and why of CanGo's success".
During the conversation Julian goes on to describe Cango as the "Fastest Growing Company in the
Hudson Valley" and as a "Success Story." Liz is obviously flattered and elated by this news and it
becomes apparent how much this company and its success means to her and the fact that somebody
has recognized all the effort that has been put into building this company. Following this interchange
we see Liz working on her ... Show more content on Helpwriting.net ...
Her employee then makes the statement, "You're a hit, you can move on from here." To which Liz
responds "Hindsight is always 20/20."
Analysis:
Liz definitely needed to plan ahead for her presentation to the Hudson Valley Business Association.
Her speech made her lack of knowledge obvious to all the business leaders present at the meeting
and may have exposed the weaknesses to her competition. On the other hand, after returning to her
office Liz did handle the criticism very well, she was open, honest and direct with her coworker in
discussing the issues with her speech. It was a great testament to management that this employee felt
at liberty to be direct with Liz, there are few companies which can claim the same open door
success. This employee did a great job of outlining her concerns but ended up dismissing her entire
argument with the statement "You're a hit, you can move on from here." This is a little discouraging
because it indicates that Liz's downfall with planning and strategy is being approved and affirmed
by her employee base, this is dangerous for a company.
Week 1 Clip 3
Scenario:
CanGo management is called into a meeting where Liz briefly introduces the idea of entering
CanGo in the online gaming market. Andrew then takes over the meeting concerning this endeavor,
he gives very few details but he is passionate, excited about this prospect and he does a great job of
preventing the

Problem Statement For Condominium Management System
CGNB413 (IS)/CISB423 Project Proposal Form
A. Student details
Name Hairul Shameen bt Ismail
Student ID IS092496
B. Project description
Proposed title
Condominium Management System
Problem statement
Recently, the number of condominium are increasing rapidly and hence there is a lot of strain on the
people who stay there and system are not usually used in this context. The management usually use
the manual way to solve the problem. These manual way lead to many other problem and increase
the cost of the management as they need a lot of thing to do.
The problem can be seen from 2 perspective, which are :
1. Administrator – it's difficult for them to deliver the information and announcement to all the
tenant as they need to print it and put ... Show more content on Helpwriting.net ...
User – tenant/ resident. They do not have all access. They only can view function that only for user.
C. Project timeline
The development of the system are through procedures, steps and reports. For the FYP 1, all the
development are based on paper work and will be implement soon on FYP 2. It will be used as a
guidelines to create the system which will be develop on FYP2.
For FYP 1, activity that need to do is project proposal, introduction about the project, analysis and
system requirement, report and submission. The total duration to complete this project is 15 weeks.
Below are explanation about the project:
1. Project proposal – plan for the project
2. Project introduction– explanation of the project which include problem statement, background,
objective and scope.
3. Analysis and system requirement – conduct some survey to collect more information, perform

benchmarking. All these input will improve the system.
4. Design – produce necessary design to model the system and create design for database.
5. Presentation – presentation of the aid of poster.
6. Report – more explanation about the project so that it will be easily to

Education Tax Planning For Children 's Education
Education Tax Planning
INTRODUCTION
Suppose your child just started kindergarten and possibly the most important thing that is
overlooked up to this point is college. Did you know that starting early to help fund your children's
education can be beneficial for you and your children? With the college tuition inflation rates
increasing each year, it is very important to start early so you and your child can be prepared. A
national study by Sallie Mae® shows that only 48% of families are saving for college. This is
compared to 51% in 2014, 50% in 2013, and 60% in 2010. It is a substantial decrease from previous
years. It is never too late to start planning for your child's education; however it is very important to
do so. Successful ... Show more content on Helpwriting.net ...
The 529 Plan, which is named after a section in the Internal Revenue Code, is a qualified tuition
plan that is operated by a state or educational institution. They offer tax benefits and other
advantages. Nearly every state offers a 529 Plan and can be chosen based on preference of the
features and benefits of each plan. There are two types of 529 Plans: College Savings Plans and Pre–
Paid Tuition Plans. Savings Plans work much like a 401(k) where the funds can be saved in mutual
fund accounts. Prepaid plans let you pre pay all or part of the college tuition. Since each state differs
based on investment options households need to consider many factors, including the age of the
beneficiary, their own risk tolerance, and their overall financial situation. Households may find some
options more suited to their savings needs than others. Whatever option is chosen will be the best
option well suited depending on the individual. The following pictures will show two different
savings plans in two different states: These two are the Savings Plans that can be chosen. The
individuals interested in the Bright Directions College Savings Program in Illinois can be enrolled
through a financial advisor where individuals interested in the Texas College Savings Plan can be
enrolled directly into the program. Both plans offer maximum contributions up to at least $350,000.
In Illinois, there are no minimum

Strategies in Planning
Sharyn A. Quelitano
BSIE III–2
Topic: Strategies in Planning
I. Introduction: Strategic planning is an organization 's process of defining its strategy, or direction,
and making decisions on allocating its resources to pursue this strategy. In order to determine the
direction of the organization, it is necessary to understand its current position and the possible
avenues through which it can pursue a particular course of action. Generally, strategic planning
deals with at least one of three key questions: "What do we do?", "For whom do we do it?", "How
do we excel?" In many organizations, this is viewed as a process for determining where an
organization is going over the next year or–more typically–3 to 5 years (long term), ... Show more
content on Helpwriting.net ...
The goal of strategic planning mechanisms like formal planning is to increase specificity in business
operation, especially when long–term and high–stake activities are involved.
One of the core goals when drafting a strategic plan is to develop it in a way that is easily
translatable into action plans. Most strategic plans address high level initiatives and over–arching
goals, but don 't get articulated (translated) into day–to–day projects and tasks that will be required
to achieve the plan. Terminology or word choice, as well as the level a plan is written, are both
examples of easy ways to fail at translating your strategic plan in a way that makes sense and is
executable to others. Often, plans are filled with conceptual terms which don 't tie into day–to–day
realities for the staff expected to carry out the plan.
The following terms have been used in strategic planning: desired end states, plans, policies, goals,
objectives, strategies, tactics and actions. Definitions vary, overlap and fail to achieve clarity. The
most common of these concepts are specific, time bound statements of intended future results and
general and continuing statements of intended future results, which most models refer to as either
goals or objectives (sometimes interchangeably). One approach recommends having short–term
goals, medium–term goals, and long–term goals. In this model, one can expect to attain short–term
goals fairly easily: they stand just slightly above one 's reach.

Meeting At The Council Chambers Of The Durham Town Hall Essay
On Wednesday, October 26th, 2016, I attended the Durham planning board meeting located at the
Council Chambers of the Durham Town Hall. The meeting began at 7:00pm and went till 10:05 pm.
The planning board members that were present are as follows: Andrew Corrow, Chair, William
McGowan, Vice Chair, Barbara Dill, Jim Lawson, Town Council Rep., Lorne Parnell, Paul
Rasmussen, Alan Bennett, Council Alternate, Bob Brown, Alternate, Wayne Lewis, Alternate,
Michael Behrendt, Town Planner and Victoria Parmele, Minute Taker. Roughly 30 attendees came to
the meeting, including citizens with an interest in the community and intention to speak, as well as
the general public. The process first began with a call to order, followed by a roll call and then the
seating of alternates. There was then an approval of agenda items, a report given by the town
planner, reports from the board members, and then the board members opened the floor to public
comments, which none were given. Before the issues were addressed there was a review of old
minutes, and selection of a new secretary. Following the agenda items, the issues were presented.
David Newhall, who is a perspective lot buyer, brought the first issue to attention, which was asking
for approval to construct a driveway, and water and electric utilities for a new single–family house.
This new development would occur within the Wetland Conservation Overlay District and this
proposal was the final action of this movement. The board members

The Summit Mobile Garage ( Smg )
A. Summit Mobile Garage (SMG) –
1. C–17 Date – Earl said they don't have enough highline to support both loads of panels. Jay is
going to work with them to find a work around for this constraint.
a. Earl has all the information on the loads for the SMG and ATTLA has approved the loads.
Newburgh was identified as the delivery location in the RFPs.
b. They don't have a second highline at Newburgh to build the two loads (seven panels stacked) of
the SMG modular bases, but Jay has been working with them on alternative options. They are
looking at using a trailer with rollers. Could also look at other locations.
2. RFP Packages – Bids are due back Oct 27th. Award is planned for Nov 10th. RFIs for the
structure were due Oct 9th. Received ... Show more content on Helpwriting.net ...
May need to look at sending the existing system back with the GrIT.
d. CPS is looking at a self–contained unit in an ISO container. This would be fabricated in the U.S.
Planning to bring it Summit later in the season. This would resolve the issue with requiring access to
the snow melter in the SOB. This unit could be place at Vault 1, near the micro–turbine the first
year. It would then be located near the SMG.
e. Pat would like to look at a SIP building as an alternative to an ISO container. Pat agrees that this
is a good approach to support the water needs at Summit and CPS should move forward based on
this concept.
f. Flying it will be expensive and not sure it will be able to make the GrIT. May be able to wait to fly
it in the spring of 2017.
g. CPS will work on developing a concept and pricing for the new water module. Randy said that he
could work with Kuchar to get preliminary pricing. CPS will work on engineering and plan to
include this module in the CR for APP4.
4. Transition from SOB to SMG – CPS to prepare a CR for early procurement items required to
transition from the existing SOB to the SMG. This to include items such as HVAC, LED lighting,
snow melter modifications (or replacement) and connections of utilities to the Energy Module. CPS
to work with ALEX on reviewing the options and developing a list of elements that can be reviewed
for priorities, with a NTE goal of $300k.
B. AFFECT

State 529 Saving Plan
State 529 savings plan is the best college saving plan(....). With price of college increasing every
year, it's getting harder and harder for families to send their kids to college. In such hard economic
times State 529 savings plan can come to rescue. State 529 saving plan is provided by the state, in
which parents can start saving for their kids. For 529 savings plan to work, parents have to start
early by planning ahead. As per author Nellies, Hung, and clark parents have to save only two–
thirds of the funds needed for the future tuition fee of there kids. The gap between the funds in the
saving plans and tuition is usually filled by scholarships, grants, and the interest made over the
savings. Parents have to be careful while estimating

The Quaker Oats Company
EXECUTIVE SUMMARY A strategic plan has financial and other implications over the next
several years of implementing the company strategies. And strategies come in different forms and
magnitudes. Since strategic plans covers a relatively long range of period, difficulties in maintaining
the organization's effort to keeping the strategic plan arise. The Quaker Oats Company began long
range planning in fiscal 1965. The plans created that year and annually thereafter were primarily
numbers–oriented estimates of income and requirements of capital.
Mr. Robert D. Stuart Jr. announced in September 1970 announce the reorganization of management
structure. The reorganization decentralized all operation into four major profit centers.
Harry ... Show more content on Helpwriting.net ...
Stuart and Guinee on the expectations regarding the formal planning system. a. Content of long
range planning. b. Status quo for short range planning. c. Covered period of long range planning. d.
Responsibility of developing of plans. e. Approval of Plans f. VP–Finance and Planning – format
and administration of short and long range plan. Responsibilities of individual departments in
finance and planning as shown in Exhibit 3. g. For both planning process to commence January
1971 and concludes of the same year. h. Review and responsibility of long and short range plan. 5.
Four functions were assigned to four major groups. 6. Different kind of factors are at work in the
long term planning because many of these factors are very intangible their handling requires the use
of a disciplined, logical, technique. 7. How tight the linkage between long–range plans and short
range plans should be.
ANALYSIS
Though Mr. Harry T. Ambrose has a significant experience with The Quaker Oats Company, his
deficiency in exposure to environment of long range planning could hamper his performance at full
capacity to his position. The reorganization in 1970 will require time for managers to adjust with the
new setup.
The previous long range planning of the company were primarily focused on financial figures.
Strategic planning is not only about financials aspects, this procedure requires

How Education Can Be Beneficial For You And Your Children?
Suppose your child just started kindergarten and possibly the most important thing that is
overlooked up to this point is college. Did you know that starting early to help fund your children's
education can be beneficial for you and your children? With the college tuition inflation rates
increasing each year, it is very important to start early so you and your child can be prepared. A
national study by Sallie Mae® shows that only 48% of families are saving for college. This is
compared to 51% in 2014, 50% in 2013, and 60% in 2010. It is a substantial decrease from previous
years. It is never too late to start planning for your child's education; however it is very important to
do so. Successful education planning will potentially save ... Show more content on Helpwriting.net
...
The 529 Plan, which is named after a section in the Internal Revenue Code, is a qualified tuition
plan that is operated by a state or educational institution. They offer tax benefits and other
advantages. Nearly every state offers a 529 Plan and can be chosen based on preference of the
features and benefits of each plan. There are two types of 529 Plans: College Savings Plans and Pre–
Paid Tuition Plans. Savings Plans work much like a 401(k) where the funds can be saved in mutual
fund accounts. Prepaid plans let you pre pay all or part of the college tuition. Since each state differs
based on investment options households need to consider many factors, including the age of the
beneficiary, their own risk tolerance, and their overall financial situation. Households may find some
options more suited to their savings needs than others. Whatever option is chosen will be the best
option well suited depending on the individual. The following pictures will show two different
savings plans in two different states: These two are the Savings Plans that can be chosen. The
individuals interested in the Bright Directions College Savings Program in Illinois can be enrolled
through a financial advisor where individuals interested in the Texas College Savings Plan can be
enrolled directly into the program. Both plans offer maximum contributions up to at least $350,000.
In Illinois, there are no minimum contributions to the account. In Texas, the

Planning Changes
Planning changes:
Why is it important?
▪ Identifying the final aim of the change and communicating it effectively
▪ monitoring the progress of the changes (sponsor/agent and targets)
▪ understanding the change (targets)
▪ identifying lack of infrastructures/staff/training to support changes
▪ setting achievable time frames and goals
▪ setting roles and responsibilities
▪ motivating people within the change
▪ increasing efficiency
▪ increasing transparency
Issues to consider: "culture and behavior"
▪ Change begins before final aim is identified or sponsor identified (e.g. lost of contract)
▪ Emotional reactions to changes are difficult to plan and ... Show more content on Helpwriting.net
...
▪ Understand and believe what the Company wants – ensure that there aren't any wrong corporate,
organizational culture, mission or vision objectives. The first question should be: where we are and
where do we want to go? On the other hand, you need really to trust and believe in what you will be
defending, and this is the first filter of the plan. (buy in) You cannot "push against the flow".
▪ Decide which strategy to use – there are plenty of strategies in Change Management from the
"normative/educative" strategies based on mutual commitment based on values and cultural norms,
as well as the "Coercive" strategies based on authority power and "imposition of sanctions".

▪ To have support from top management – this is a vital point and the bottleneck of the Change
Management Process. If this point is not covered, the percentage of failure is high and the activity
can become as unprofitable assignation of resources.
▪ Document and formalize the CM Plan – this should include training in technical and process, as
well as communications towards all the organization. An important part of the plan is to chose and
define roles for the team that will be assisting you in the tasks, putting emphasis in choosing
personnel really committed and results oriented.
▪ Check, act and start again – a series of

529 Plan Advantages And Disadvantages
A 529 account is the go–to place for saving for kids' college. But before you commit to this type of
plan, you should take a closer look at the details so you know whether it's really a good choice for
you. While this is a popular savings vehicle for saving for college, it's not perfect. First, let's review
what a 529 plan is.
What is a 529 plan?
A 529 plan is a college savings vehicle, known as a qualified tuition plan, that allows you to save
money for your child's college education. By doing so, you get to have your money grow without
paying taxes on it (no capital gains tax and no tax upon withdrawal).
Named after the section of the Internal Revenue Code that it's written in, 529 plans are sponsored by
states, so different states have different plans. However, you are not limited to your state's plan (you
... Show more content on Helpwriting.net ...
Regardless of how much money you make, you can continue to contribute to a 529 plan. The
benefits of a 529 plan are pretty compelling, as this type of plan is the most popular college savings
vehicle today.
The disadvantages of a 529 plan
There are a few drawbacks of using a 529 plan to save for college. For starters, you cannot
contribute to a 529 plan until the beneficiary child is born. So, if you want to start saving as soon as
you're married, or if your parents want to get a head start on saving for their future grandchildren,
then it won't be through a 529 plan. You'll have to save somewhere else.
Additionally, colleges consider 529 money in financial aid packages. This means that your child
could receive less financial aid for having money in a 529 plan. This is the biggest drawback of a
529 plan. Not all savings vehicles are like this. If you have savings in retirement, it's not included in
your child's financial aid package, for example. But any money that your child receives from a 529
plan will be included in determining how much financial aid your child

Variable Pay
Abstract
The main two reasons for the companies to implement variable pay plan are: motivating employees
and reducing cost. In this paper we try to point out the challenges the organizations might face when
they apply variable pay system by reviewing related literature. We find that it is difficult for the
company to have a reliable measure for the variable pay system. In addition, the focus of the
variable pay plan should be on motivating employees or cutting cost and how to strike a balance
between these two is also an essential issue. Finally we conclude that we always have to assess the
circumstances of the organization before applying the plan.
Variable Pay Plan 3
Variable Pay Plan: One Way to Motivate Employees and Cut Cost. ... Show more content on
Helpwriting.net ...
Besides, Jessica and Kathy (2004) also stated that 63% of those companies which have variable
compensation plan believe that the benefits of the plan outweigh the costs. What is more, 57% of
those companies had unexpected favorable results such as increased productivity.
Challenges of using variable pay However, it is not easy for an organization to apply a variable pay
program. Like John& Traci (2004) stated in their article that if the companies do not manage
variable pay plan effectively, the outcome could be less than stellar. There are several concerns for
the organization to think about. Thomas (2003) suggested that first concern is about the performance
measures. It is difficult
Variable Pay Plan 6 for many jobs to measure performance in an objective and reliable manner.
Second issue is the general rejection to variable plans because of having previous bad experiences.
This is also mentioned by Paul (2007) that variable pay received bad reputation because of many
companies ' bad experiences when they failed to have supporting information or they had other
organizational problems which need to be emphasized. The third issue is that the employees may
feel the performance measures are not in control or their suggestions are not taken by the
organization. The last one concern is that employees will fix on earning their variable pay and they
will not make changes or take actions that are not related to the goals of

Important Aspects And Key Issues Of The Current Project Essay
This document will intend to illustrate the brief of the project. The most important aspects and key
issues of the current project have been covered by this summary. Furthermore, it also explains the
existing project programme which is drawn up so as to support project team in developing a plan,
knowing the progress and growth of the project. Moreover, it demonstrates the project risks which
might affect the project period, cost and quality. Also, it shows the brief of stakeholders and the
greatest Health and safety risks. 1.1 Background: Kingston University has its mark in the Kingston
area over 100 years. Town house building is the one of the most significant part of Kingston
University as it could be easily spotted once anyone gets Penrhyn Road. Thus client simply requires
replacing it by new building which would probably have magnificent look at outside. 1.2 Objective:
As it is mentioned earlier, the objective of this project is replacing existing town house by a new
one. And the client clearly outlines that the cost is his first priority, he states that there must not be
any extra costs than the specified one, he further says that although quality is important, it is less
essential than time. The main purpose of this report is to clarify the project programme to the client,
and classify any possible risks which could influenced on the project time, cost and quality.
Furthermore, the objective of this report tends to identify most dangerous health and safety risks. 2.0

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