A Survey Of Canadians Led For The Canadian Medical...

A Survey Of Canadians Led For The Canadian Medical...
2) INCREASING COST OF UNIVERSAL HEALTHCARE IN CANADAAND ITS IMPACT
It is consider that new innovative ideas needed to put into action in social activities for assurance the
future of Canada. A survey of Canadians led for the Canadian Medical Association which
demonstrates that increasing the expense of universal healthcare in Canada will cuff governments '
whose capacity to give social services such as education, transportation, financial supports and
pension benefits. (Increasing cost of universal health care in Canada to handcuff governments '
ability to provide different services: Poll, 2010)
As indicated by the study gathered information found that the human services area would obscure
the needs spending by people in general. The outcomes found that, most (91%) said making the
therapeutic administrations system more capable and convincing was the best way to deal with back
off creating social protection costs. (66%) said prizes and disciplines to enable strong living could
back off creating wellbeing costs. (Increasing cost of universal health care in Canada to handcuff
governments ' ability to provide different services: Poll, 2010)
Regardless of the way that Canadians bolster looking for after specific measures to direct wellbeing
spending, they are in like manner doubtful. Only 35% are either greatly or to some degree positive
about the limit of governments and executives to find efficiencies in the structure. More distant than,
not as much as half (47%) are
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Registered Nurse
You hear a distinct crashing sound in the near distance following a loud screeching noise while
driving down a dimly lit road. As you are driving down the road you come upon a car wreck and
you can see people that need your help. You jet out of your vehicle and immediately get your
medical bag with all your instruments that you use to save lives. You have to react fast because the
people that crashed have already lost a lot of blood and will not survive if they wait for the
ambulance to arrive. You start the normal procedure by cutting off their clothes to find where the
wounds are or anything that needs to be attended to. You try to cut off the blood flow and apply
pressure to the wounds to slow down the amount of blood loss in the patient ... Show more content
on Helpwriting.net ...
They provide high quality evidence based care across the lifespan to enhance patient safety, reduce
adverse events, impact and improve patient's satisfaction, support and promote optimal health status,
track admissions and readmissions, and manage costs within and among continually expanding,
diverse, and complex populations. This means that registered nurses are essential to the delivery of
safe, high quality care and should not be replaced by less skilled licensed or unlicensed members of
the healthcare team. Registered nurses are the people that are best prepared to facilitate the
functioning of interprofessional teams across the care continuum. They also coordinate care with
patients and their caregivers, and also mitigate the growing complexity or transitions in care.
Registered nurses play a critical role in the delivery of telehealth services and virtual care. The
development of the art of science of telehealth nursing practice has improved and expanded
coordination of healthcare services, reduced patient risk, and contributed significally to care
management models. Registered nurses must practice at the top of their license, education, and
expertise to affect quality and cost through patient engagement, care coordination, enhanced
teamwork, resource reduction, improved access, and quality and outcome improvement. Registered
nurses must lead, participate, and support performance improvement activities designed to promote
and enhance quality and safety, improve efficiency in care delivery, and evaluate impact on patient
outcomes. Registered nurses also have the expertise in the development, implementation, and
sustainability of quality measures and clinical practice

The Social Security Program of USA
Background: What is the specific policy or program? When was it established? How does it serve
older adults? (You can answer this last question in a few sentences.) For example, the program could
fund long–term care, social services, or provide income support.) This does not have to be the
longest section. Social security program is a retirement program for Americans aged 65 years and
over. This consists of 92% of the entire American populace. Other beneficiaries of the program
include the disabled, unemployed and aged but the government must have a record to ascertain that
only those that are in need qualify to obtain the benefits. About 47 million Americans that fall under
this bracket collect monthly benefits. On August 14, 1935, President Roosevelt signed a law that led
to establishment of this program. This program serves older adults in various ways, for instance it
offers long–term care, social services and provide income support for them. In addition to
establishment of this program, the new Act also created a social insurance program to cater for
retired group of employees aged 65 years and above entitled to receive income after retirement
period (Jie & Junsen, 2004). Need: Why was the policy or program established? How many are
being served now? How many more are expected to need the service in the future (over the next 30
years)? During the inception of the Great Depression and the fall of the stock exchange market,
USA suffered tremendous economic downturn.

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

Benefits Of Registered Pension Plan Essay
(a) owns, directly or indirectly, not less than 10 per cent of the issued shares of any class of the
capital stock of the employer or of any other corporation that is related to the employer,
(b) does not deal at arm's length with the employer.
There are important tax considerations for an IPP. Rules dictate the tax–deductible amounts with
respect to contributions for both past and current service benefits and annual withdrawals. These are
more closely discussed below.
Taxation Considerations
(A) Tax–Deductible Contributions and other considerations
Subject to certain conditions, registered pension plan (e.g. IPP) contributions by employers are
deductible for the employer (during the year or within 120 days after year end) for purposes of
computing taxable income subject to certain conditions. Generally, prescribed contributions are
eligible for deductibility; however, rules governing these contributions are limited in scope to
defined RPPs and not applicable to designated plans which more often that not, an IPP is. Therefore,
in order for employer IPP contributions to be eligible for deduction, they must satisfy certain
prescribed conditions as set forth in subsection 147.2(2). To reiterate an earlier point, in effort by the
government to eliminate aggressive tax minimization through deduction schemes, the prescribed
conditions aim to restrict aggressive funding of individual pension plans without regard for the
funded status of the plan. . One way the CRA achieves this

Compound Interest In Adolescents: Article Analysis
When it comes to saving habits for younger generations, it is fairly hard to believe that the majority
of adolescence do not have a lot of assets saved. Despite the fact that, in the article of "Investing:
Money Plus (Lots of) Time Equals Excitement", Carl Richards, a financial planner in Park City,
Utah has come up with the idea of compound interest in such a way that, "If you start with one
penny and double it every day for 30 days, you'll end up with $5,368,709.12" (Richards, 2013, para.
5). This idea of compound interest relates to the norms of investing early and or starting to save up
for assets into account. From here, it is significant to know that as a young adult, putting more
savings into account allows a person to accumulate more,

Life Styles And Income Of Individuals And Their Households
After analysing all the information it appears to me that the life–styles and income of individuals
and their households will differ, in particular the gender difference that will arise between men and
women. We all understand that paid employment is a major source of every household's income and
the pay that each individual receives is greatly influenced by the type of job. "Gender matters in pay
too (Callaghan :2012, p62)" this shows that women in the UK on average are paid less this is due to
women are concentrated more on lower paid jobs because men are placed more in senior
management position's while women would be placed more in a secretarial and administrative role.
Additional to this, she highlights that there is an increased caring commitment taken by women and
is a direct result in the pay gap. The ageing society today does show us that on average women are
more likely expected to live longer than men. After considering all these issues, women will have a
huge effect on their financial life–course. So in this essay I will discuss all about what financial
consequences women could probably face by being paid less than men, living longer and likely to
become carers. While the equal Pay Act 1970 and the Sex Discrimination Act 1975 had established
the equal pay right for equal work in the UK, data presented by Office for National Statistics (ONS),
represents that there are still a considerable difference in way men and women paid – for example,
in 2010 men earned an

Dipfa Coursework- Pension Planning
Advanced Financial Advice Cover Sheet
|AFA Coursework |
|Submission deadline 02 March 2012 |
|For Internal Use Only |
| |1st Mark |2nd Mark |
|Part A | | | | |
|Part B | | |
|TOTAL Awarded: | | |
[pic]
|Please type your Word Count for Part A (only) in the following box: |3845 |
If you do not agree to the ifs using any part of ... Show more content on Helpwriting.net ...
Pensions Input Periods
A PIP does not have to be the same as the tax year. PIPs can be different between pension schemes
and can be changed by an individual. For new pensions started after the 6th April 2011, a PIP will
automatically end on the 5th April. It is important to understand that PIPs are only used for the
Annual Allowance and any contributions made to a scheme will still be eligible for tax relief in the
tax year that they are made.
Annual Allowance– The rate of charge
Only contributions made in excess of the annual allowance will be charged. The rate will
approximately be the top rate of income tax that is applied your income.
[pic]
Carry Forward
New rules for 'Carry Forward' have been introduced for 2011/2012 which potentially allow clients
to invest more than £50,000 to be contributed to a pension arrangement without being subject to the
Annual Allowance charge. This may be of particular importance to high earners whose pension
contributions have previously been restricted.
The new 'Carry Forward' rules allow unused Annual Allowance to be carried forward by up to three
years. Where an individual wishes to use 'Carry Forward', the Annual Allowance for previous years
is deemed to have been £50,000.[pic]

Lifetime Allowance (LTA)
At the same time as announcing changes to the annual allowance, a similar change was

Essay on Canadian's Aging Population
There is diversity among all Canadian, hence there is differences among the aging population. Not
all seniors are aging well and have the appropriate programs and services to meet their needs. Some
seniors are victims of abuse and some are living in isolation and poverty. Some seniors suffer from
chronic illness and other socio–economic factors limit the amount of money they can put away for
retirement. Hence these middle and low income elderly retirees will have to depend mainly on the
pension plan that is offered between the age of 60– 65. The age of 60–65 is regarded in Canada as
the age of retirement. This paper will focus mainly on the disadvantaged older populations. The
disadvantaged older populations are those who are currently ... Show more content on
Helpwriting.net ...
These concerns were reinforced by the fact that many elderly Canadians were applying for public
relief." However, it was not until several provinces began complaining about the amounting cost of
relief that lead to the federal old age pension scheme. "Guest (as sited in Chappell, 2006) the federal
government made a commitment to assist the elderly and the old age pensions act was established in
1927." All Canadians were entitled once they reach the age of seventy or older in contrast to today,
one can retire at the age of 60–65. The Canadian government eventually shared the cost of relief
with the provincial government. The old age pension act has been criticized because of the
inadequate in benefit pay outs. According to Guest (as sited in Chappell, 2006) in 1951, the old age
pension was replaced by two pension plans, Old Age Security and Old Age Assistance." The Old
Age Security provides universal benefits and was funded by the federal government while the Old
Age Assistance was funded by the federal and provincial government and managed by the province.
As Guest (1997) pointed out, The Canadian Pension plan and Quebec Pension Plan was introduced
in 1965 which individuals could collect once they retired, however they had to have made
contribution between the ages of eighteen to seventy years of their working life.
People also had the opportunity to contribute to

TFSA Vs Rrsp Essay
A RRSP is a Registered Retirement Savings Plan that is an account set up to save for retirement
whereas a TFSA is a Tax Free Savings Account that is set up for any type of savings goal. They both
differ in their own ways however, both offer tax advantages to help one reach their savings goals.
First, in order to make contributions to a RRSP one needs earned income on the other hand for a
TFSA one does not. Also, another key difference between the two plans are that RRSP contributions
are tax deductible as you can deduct your contribution from the income you report on the tax return.
A TFSA is the exact inverse, as you cannot deduct your contribution on your tax return.
Furthermore, when it comes to withdrawals, both of the plans are opposite once again as TFSA
withdrawals are tax free and RRSP withdrawals aren't tax free. Also another difference would be the
age limit for making contributions, with a RRSP one has to stop making contributions at the age of
71, whereas in a TFSA there is no age restriction, one could make contributions for how ever long
they want. ... Show more content on Helpwriting.net ...
Now when it comes to choosing one plan and making the most from it, it depends on a few key
factors including tax situations, when your planning on taking out the money, and individual
circumstances. The best path would be to contribute to both, but most citizens can't afford that. The
way I look at it, RRSP is more long term (10 years or more), and TFSA is more short term (1–10
years). If the client is a young adult and is saving for an investment within the next 10 years, the
client should invest in a TFSA. If the client however is older, someone who maybe is a full adult,
perhaps over the age of 28 should look to invest in a RRSP, as that person will need money once he
or she has retired. Plus, if the person is being taxed heavily, its always good to get that

Personal Finance
Foundations for Financial Success Volume 1, Issue 1, March 3, 2011 TABLE CONTENTS OF What
is financial literacy and why is it important? Financial literacy is the ability to use knowledge and
skills to manage financial resources effectively for a lifetime of financial well–being. More
specifically, it refers to the set of skills and knowledge that allow an individual to make informed
and effective decisions through their understanding of finances. Financial literacy involves a number
of different areas of understanding. Learning about money and how it works is an important aspect,
as well as understanding products like credit, loans, and investments. Competency in managing
money appears to be a skill that doesn't come naturally to ... Show more content on Helpwriting.net
...
This is why money alone does not make you rich." – Robert Kiyosaki Newsletter Determining
Where Your Money Goes Title To determine where your money goes, you must be able to
understand the importance of a personal cash flow statement, and the components needed to develop
this tool. The cash flow statement outlines your total income and total expenses to demonstrate
where your money is going and how much of it. This can help you control expenses. The potential
benefits of examining your cash flow may lead to moderate spending, increased savings and
investments, and peace of mind knowing that you are now in control. The merits of examining a
cash flow statement will be illustrated in the following example. Once you have gone through
Stephanie Spratt's cash flow statement, you Example will realize how important it is to make sure
your expenses are not exceeding your income. The best way to do this is by budgeting. In Stephanie
Spratt's case you will see how much her morning coffee can add up over the course of a month. You
will also realize that making small, manageable changes in your everyday expenses can have just as
big of an impact on your financial situation as getting a raise. Opportunity cost is a financial term
which represents what you give up as a result of that decision. By spending money for a specific

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

Self-Directed Registered Retirement Savings Plans
Aside from simply providing some of your cash as a mortgage and receiving taxable income from
someone, there are other options where you provide a mortgage, which may better suit your long
term plans. SDRRSPs (Self–Directed Registered Retirement Savings Plans) allow you to use cash in
your SDRRSPs to provide mortgages to various people or companies. You can use your imagination
as to who might use these mortgage funds. And it is possible to get high rates of tax sheltered
returns this way. But this may be a unique way to profit. You hold the mortgage on your own house
in that plan. There are some minor restrictions in how this must be set up. For example, you cannot
charge too much or too little an interest rate to yourself. Rates must generally ... Show more content
However, if you can assess the risk properly, this is often an appropriate dollar amount to provide
someone with a second mortgage! And generally, when a first mortgage may be 2–4%, a second
mortgage may well be 6–9%, which is a respectable rate of return! Suppose you are able to invest
the $36,500 as a second mortgage and can get your mortgagee to agree to a 5–year term, for a 25–
year amortization period, the longest period currently allowed under Canadian law. And, suppose
that you are able to contribute the maximum of $5,500 during each of the next 5 years, for a total
additional contribution of $27,500. Using the 6% rate, you will receive $14,011.80 in principal and
interest from the client and a return of your capital in the amount of $32,793.10 (the original
$36,500 less the client principal payments) for a total of $46,804.90. With your 5 years of
contributions, there will be at least $74,304.90 in your TFSA, more than double! Then using the 9%
rate, you will receive $18,132.60 in principal and interest from the client and a return of your capital
in the amount of $33, 993.15 (the original $36,500 less the client principal payments) for a total of
$52,125.75. With your 5 years of contributions, there will be at least $79.1125.75 in your TFSA,
more than

Difference Between Tfsa And Rrsp
What is a Registered Retirement Savings Plan?
Many know Registered Retirement Savings Plan as an investment vehicle where Canadians can put
money aside for retirement. However, there's more to an RRSP than its intention of a retirement
savings. RRSP is registered with the CRA, in accordance with the income tax act, to allow
individuals to get a tax deduction for the amount they contribute (up to a certain limit) to their
RRSP. RRSP gives highly advantageous for high income individuals. The RRSP is taxed upon
withdrawal, allowing individuals to pay lower tax if withdrawn close to retirement. There are many
investment options for an RRSP offered by financial institutions such as a daily interest savings,
mutual funds, self–directed and guaranteed ... Show more content on Helpwriting.net ...
Usually, a taxpayer will pay less tax on the funds that are withdrawn closer to retirement as the
MTR will be lower. However, the RRSP do offer plans such as the Home Buyers' Plan and the
Lifelong Learning Plan where the taxpayer is allowed to withdraw up to a certain limit without
getting taxed but is expected to be paid back within a certain number of years. The Home Buyers'
Plan (HBP) allows an individual to withdraw up to $25,000 from their RRSP to build or buy a
qualifying home. The withdrawals won't be treated like a regular withdrawal where it doesn't have
to be included in the income of the individual. However, the amount withdrawn under the HBP must
be repaid within 15 years installments or else missed payments will treated like a regular withdrawal
and would be included in the taxable income for the year. The Lifelong Learning Plan (LLP) allows
an individual to withdraw up to $20,000 over four calendar years to help finance for full time
education for themselves or they spouse/common–law partner. Like the HBP, the amount withdrawn
won't be taxed as a normal withdrawal but must be paid back within 10 years in installments.
Unpaid amounts will be included in the taxable income for the current

Pros And Roles Of Entrepreneurship
Entrepreneurship happens to be getting popular and fast rising to be the largest employer of labor in
many developed nation's economy. An entrepreneur is an individual who, rather than working as an
employee, runs the small business and assumes all the risks and rewards of a given business venture,
idea, or good or service offered for sale. The entrepreneur is commonly seen as a business leader
and innovator of new ideas and business processes. Entrepreneurs play a very important role to the
society. It is because the entrepreneurs and their activities are the critical determinant of the level of
success, prosperity, growth and opportunity in any economy. the most dynamic societies in Thailand
and in the world are the ones that have the most entrepreneurs plus the economic and legal structure
to encourage and motivate entrepreneurs to greater activities. Then Entrepreneur becomes one of the
most interesting occupation for more and more people especially for Gen Y(born between 1982and
1993) and Gen Z(born between 1994and2010) because they can use social networks as a new form
of communicating to their suppliers and customers. The improve of technology such as
communication technology is the most important reason to increase the number of self employed
business. Since Entrepreneurs don't have pension then it is their own responsibility to determine
what type of retirement plan suits their particular requirements. It can be a bit confusing because
there are plenty of

Purpose For A Retirement Plan
Purpose for a Retirement Plan
Retirement Planning is the process of determining retirement income goals and the actions primary
to achieve those goals. It includes identifying the sources of retirement income, estimating future
retirement expenses, managing the assets and implementing a savings plan. A future cash flow
statement is prepared to determine whether the goals can be achieved or not. The primary purpose of
a retirement plan is to provide financial stability so people can leave their full–time jobs after
retirement.
Financial planning is a 6–step process and also examines 6 components. The 6 steps are as follows:
1. Establishing and defining the client–planner relationship: The planner informs the client about the
services to ... Show more content on Helpwriting.net ...
5. Implementing the recommendations: The planner and the client agree on how the
recommendations will be carried out.
6. Monitoring the recommendations: The planner and the client periodically review the situation and
adjust the required recommendations.
The six fundamental components of financial planning are as follows – Financial Management, Tax
Planning, Asset Management, Risk Management, Retirement Planning and Estate Planning.
In this retirement plan, you will see only the retirement related issues addressed as well as the others
you asked me to consider. In this retirement plan, you will see your current situation stated or
described followed by your desired situation and any issues which have presented themselves.
It is important to understand that this initial financial roadmap will not stay "current" forever. It will
become outdated with changes in your goals and objectives, tax laws, and other personal economic
circumstances. Thus, it is important to have your Financial Plan updated on a periodic basis. We
should meet at minimum annually to update; more often if life changes occur. We should also meet
to address other financial planning issues still to be addressed.
Client Profile
The following table summarizes your personal information:
Name Alan Adams Alicia Adams
DOB September 16, 1986 July 12, 1987
Employer Home Depot ABC Legal
Title Department Manager Legal Clerk
Smoking Status Non–smoker Quit 2 years ago
Health In good health In good health

Canada Pension Plan Pros And Cons
1. Canada Pension Plan (CPP) – CPP is a government sponsored pension plan available to all
working Canadians. Everyone pays into it and receives retirement benefits based on how much and
how long each person pays into it. The CPP provides pensions and benefits when contributors retire,
become disabled, or die. The amount you contribute is based on your employment income. You
make contributions only on your annual earnings between a minimum and a maximum amount
(these are called your pensionable earnings). The minimum amount is frozen at $3,500. The
maximum amount is set each January, based on increases in the average wage in Canada. The
maximum amount for 2015 is 53,600 The expected income from Canada pension plan for Alan is
$6,156 annually and for Alicia is $8,964 annually. (Additional information – Appendix A) 2. Old
Age Security (OAS) – The OAS program is operated by the federal government in accordance with
the Old Age Security Act. It is essentially a public assistance program, meaning that recipients of the
benefits do not contribute directly to the cost of providing the benefits. The Old Age Security (OAS)
pension is a monthly payment available to most Canadians 65 years of age who meet the Canadian
legal status and ... Show more content on Helpwriting.net ...
Registered retirement savings plan (RRSP) & Registered retirement income fund (RRIF) – RRSP is
an account that holds savings and investment assets. It has various tax–advantages when compared
to investing outside of tax–preferred accounts. RRSP was formed primarily to promote savings for
retirement. Your contribution room builds up from the time you begin to work. Amongst both, Alicia
has invested in RRSP whereas Alan has not invested in RRSP. But you both have different RRSP
contribution room which could be helpful for future investments. You both will have a contribution
room of $172,016 and $372,160 (Alan and Alicia) in 2052.It has been assumed that Alicia invested
in her RRSP in 2011 and contribution room is adjusted for the

Dental Hygienist Experience
After graduation, I plan on working for a modern pediatric dental practice close to home. I am
seeking to work for a dental facility with an average paying job possession for a registered dental
hygienist. The benefits I am mostly interested in are 2 weeks of paid vacation leave, health
insurance, free dental services for my immediate family and I, and a 401(k) retirement savings plan.
Also, I am seeking for a facility that is all electronic, paperless, and that has advanced dental
equipment preferably from 8am–4pm. The area I plan to work in is the Jonesboro, Georgia area so I
can work close to home. I am very fond of the Jonesboro, Georgia area not only because it is close
to home, but because of the Hispanic population. Being bilingual in a predominantly Spanish
speaking area is an advantage for me when applying for a possession as a registered dental hygienist
in this area. I enjoy being able to help non–English speaking patients understand their dental
appointments better. It essentially creates a better relationship with the patient and the dental office.
This could also increase the cliental of the practice because there will not be a ... Show more content
I spoke with the pediatric dentist, Dr. Christina McKellar, at the Hinman luncheon about her facility.
Dr. McKellar explained to me the facility is very new and opened in the beginning of this year.
Their equipment is new and they work electronically. This lets me know the office is modern and up
to date facility with a working schedule from 9am–5pm. She also added that they are in dire need of
a Spanish speaking dental hygienist, which is no problem for me. We did not speak about salary or
benefits, but the working conditions and the location will balance it out. This would be a great
practice to get started and gain experience to then move to a facility that pays more but requires

Financial Advisors: Factors To Hire One
Financial Advisors : Reasons To Hire One By Mark Walters Feb 7, 2011 The decision that you need
to hire a financial advisor is not one to be taken lightly and needs to be based on a few aspects.
Initially, however, you must decide what kind of financial advisor you are in need of. If you need
somebody to help you with planning your estate or for your retirement, then you need a certified
financial planner. If, however, you want somebody to advise you in financial investments then you
must look for the services of a registered financial advisor. Rather than asking the question "What
can a financial advisor do for me?", it is probably better to start with looking for an answer to the
question "Am I making efficient and effective use of my finances?"

A Pension Policy For The Province Of Ontario
A pension policy for the province of Ontario is being discussed, in an attempt to make it more
effective or being readily available. The existing issue is how it functions in low interests rates and
low returns in equity markets. Also, the low participation in such plans is failing the system as a
whole. It is important the government to protect workers in the private sector; as it is noted one–
third of the paid workforce in 2005 was in a registered pension plan. Canada lacks when it comes to
voluntary employer–sponsored pension plans and tax–assisted programs, like the TFSA, who must
improve their services. The current pension plan fails to accommodate for private sector workers
that are provided with no other occupation–related pension program other than the CPP. Many of the
solvency funding rules are still adopted from the Ontario Pension Benefits Act in 1966. The
voluntary participation system has failed in Canada. The government must change into a
compulsory contribution system for it to achieve the sufficient accumulation of assets. It is of
concern that "nearly two thirds of private sector DB pensions plans operated either closed or frozen
plans". All pension plans should be based on individual circumstances, but currently the system
lacks in regulating. The other main issue is low household saving rates that are misbalancing
pension funds reserves. Many politicians are focusing on the type of pension scheme to use, instead
of finding a way to increase the level

Pension System In Australia
Overview Global retirement income systems are stretched to the limit these days. People on the
verge of retiring are worse off than those who retired a decade earlier due to the rising cost of
purchasing an annual flow of future income in most jurisdictions around the world. According to
Glenn Stevens, governor of Reserve Bank in Australia, the global retirement income system is under
a lot of pressure, and the problem "must be acute" in Europe, where sovereign yields in some
countries are negative for significant durations. Mr. Steven's went on to say, "How will an adequate
flow of income be generated for the retired community in the future, in a world in which long–term
nominal returns on low–risk assets are so low?" According to Mr. Stevens, "they have to accept a lot
more risk to generate the expected flow of future income they want," he warned. So, in a world in
which long–term yields on low–risk assets (i.e., bonds) are so low, what's a retiree to do? Pension
systems vary across countries, and there's no single model for all. The pension landscape is
changing In OECD countries. Recent reforms are changing the way pension savings are distributed.
In several jurisdictions like Britain, Denmark, Australia, Holland, Sweden, Switzerland and Canada,
pension reforms have allowed retirees to take control of their own retirement pots to spend as they
please. The changes apply to people with defined contribution pension schemes, which both
employer and employee contribute to

The Core Elements Of The Registered Pension Plan
Individual Pension Plan Background As a baseline to understanding an IPP, it is critical to establish
some of the core elements of the registered pension plan (RPP) regime. AN IPP is essentially a
defined benefit pension plan (DB) setup by an employer with a limited number of designated
beneficiaries (e.g. directors and officers) or possibly, a single beneficiary (owner–manager). It
requires registration with Canada Revenue Agency (CRA) with ongoing maintenance and
compliance in accordance with the Act. Failure to comply with rules set forth in the ITA could result
in revocation or deregistration, which consequently could lead to unfavorable tax consequences. The
plan must be sponsored and funded by a corporation with funding possibly also coming from
employees. In general, DB plans offer employees specific future pension benefits upon retirement,
typically calculated on the basis of a percentage of their employment income over their service
period. IPP subscribers have additional confidence in knowing that their post–employment benefits
will be fixed in value each year – which eliminates the uncertainty and concerns raised with
retirement investments premised on the performance of capital markets. Pension plans are in the
purview of either provincial or federal legislation; however, the scope of this discussion is confined
to the Act. Perhaps the most attractive feature of an IPP is that for the right individual(s), it is a more
effective tax–planning vehicle by

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
content on Helpwriting.net ...
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

Advantages And Disadvantages Of Geriatric Care In Malaysia
Upgradation of geriatric care over 5 years in Malaysia
Introduction
What is geriatric care?
Geriatric care is derived from the Greek "geron" which means "old man" and "iatreia" which means
"the treatment of disease".
According to UN– World Assembly on ageing in 1982, Vienna, in Malaysia, older persons are
defined as those who are 60 years and above. Ageing nation are defined as a nation where more than
10% of the population is aged more than 60 years old" and by 2020, Malaysia will be defined as an
ageing nation (9.9%)
Ther eare many phases in life and elder age is considered quite a sensitive phase. This is because old
people need attention and care to have a healthy and quality life. In this era, many countries
including Malaysia, are now facing the problem of an ageing population. However we should start
preparing for future ageing problem in our country and implies strategies such as applying geriatric
care professionals to help other states in Malaysia that do not have such services. ... Show more
According to Prof Dr Philip Poi Jun Hua from the Malaysian Society of Geriatric Medicine
(MSGM), who pioneered and now leads the Geriatrics Division of University Malaya Medical
Centre (UMMC), Kuala Lumpur said that the biggest issue for health professionals is to be able to
persevere in providing good services for older adults in Malaysia because they themselves will grow
old, and if they don't think about it now, when they get old, it is too late for

Purpose For A Retirement Plan
RETIREMENT PLANNING
CASE STUDY (PART 3)
Purpose for a Retirement Plan
Retirement Planning is the process of determining retirement income goals and the actions primary
to achieve those goals. It includes identifying the sources of retirement income, estimating future
retirement expenses, managing the assets and implementing a savings plan. A future cash flow
statement is prepared to determine whether the goals can be achieved or not. The primary purpose of
a retirement plan is to provide financial stability so people can leave their full–time jobs after
retirement.
Financial planning is a 6–step process and also examines 6 components. The 6 steps are as follows:
1. Establishing and defining the client–planner relationship: The planner informs the client about the
services to be provided and defines his or her responsibilities along with the responsibilities of the
client.
2. Gathering client data and determining goals: The planner learns about the client's financial
situation, goals and risk tolerance. This primarily involves gathering all the data.
3. Analyzing and evaluating client's financial status: The planner analyses the client's financial
situation and determines what must be done in order to achieve the goals of the client.
4. Developing and presenting alternatives to the client: The planner provides the clients with various
alternatives to achieve the goals, based on the information provided by the client. The planner then
reviews the alternatives with the client

Essay About Being A Registered Nurse
The Story Behind Being a Registered Nurse
Nursing was believed first encountered to start around 300 A.D. in the Roman Empire. This is when
the Empire thought they should place hospitals in every town as their rule. During this time there
were many nurses to assist patients and the sick with doctors. In the middle ages nursing was based
on religion consisting of nuns and monks. In the late 500s and late 600s there was the first Spanish
hospital in Merida, Spain and it was supplied by the Catholic Church.
You may be asking "How could someone become a registered nurse or a nurse in general?" Well
first of all you must be required to have an education. It requires having a high school diploma to a
bachelor's degree. Diploma programs are offered at hospitals and typically last three years. Getting
your associate's degree in nursing area offered at community colleges and takes two to three years to
complete. Bachelor degrees in nursing are offered at colleges and universities and take up four years
to complete.
Nurse can get paid really good for helping out patients and for their hospitality. A registered nurse
earns an average wage of $28.39 per hour. Their national average is $63,070, in Odessa, Texas
averages are $62,077, which is 1.6% lower than the ... Show more content on Helpwriting.net ...
The first level is Novice Nurse. This level RNs under the direction of the nurse's manager is
accountable for provision of the direct care to the assigned patients. The second level is Proficient.
This level RNs under the direction of the nurse's manager is accountable for the patient's care based
on established standards. The third level is Expert Nurse. This level mentor nurses provision of
expert patient care including services to patients with complex needs. The fourth and last level is the
Nurse Leader. This level the nurse leader is accountable for supporting standards of care and
providing consultation, expertise within the delivery of patient

Choosing The Right Accountant For Your Financial Goals
Choosing the Right Accountant for Your Financial Goals Choosing the right accountant can
seriously impact your taxes, ability to build wealth and lifestyle. Creative accounting can offer you
and your family a better life, provide for retirement and shelter income so that you can earn more
money with pretax income. Choosing an accountant is critical for getting the maximum return from
your business and investments. Choosing an accountant often results in getting an expert in one area
of investments or business management while sacrificing the advice of an independent advisor who
consults with you closely, takes your goals into account and helps you to choose between business
and tax strategies. Market experts often don 't care about your financial profile, lifestyle issues,
changes in the tax code or your goals to buy a second home, send the kids to college and provide the
family long–term financial security. A Certified Tax Coach, however, facilitates meeting your goals,
reducing your tax burden and providing for your retirement and other long–term financial
objectives. Taxes are one of the biggest expenses that investors and small business owners face, so
choosing a professional tax advisor can provide enormous benefits for most investors and business
owners. Why Trust an Accountant with Sensitive Financial Information? The reason that successful
people don 't manage their own taxes, keep the books or manage their money without advice is that
most people don 't have the

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
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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

Summary Of Goals, Needs And Recommendations
Summary of Goals, Needs and Recommendations After a review of the information gathered by Mr.
Bartlett during your initial meeting, we have been able to prepare a financial plan that will speak to
your specified short–term and long–term goals and concerns. We have listed your goals based on
your needs and time horizons. Short–Term Goals Complete the home renovations (basement) in two
years of $12,000.00 Purchase the family business within two years – $100,000.00 Pay off Natalie's
student loans in three years – $19,881 @8% with a payment of $600.00 per month Start a family
between three and five years. Long–Term Goals Replace vehicle in 6years – $15,000.00 Pay off
mortgage in 12 years at age 40 – $124,569.00 @ 5.35 amortized ... Show more content on
Helpwriting.net ...
We assess your net worth and analyze your financial goals and desired lifestyle. After compiling this
information we will establish a cash flow strategy that will allows you to meet your goals, while
building wealth for your estate. You currently have a combined net worth of $291,519.00, (total
assets $416,008.00 less total liabilities $124,569.00) and a debt to asset ratio of 30%. This is quite
impressive for a young couple with their own home. You have a current annual income of $102, 000
and total annual expenses of $89,520 leaving $12,480.00 annually in unallocated cash flow. Your
projected income and expenses have been indexed to 2.25(assumed) as such your unallocated cash
flow is indexed to be the same. Your current attitude towards debt and savings, foregoing additional
savings to aggressively pay down debt, is impressive and consistent. You both hold credit cards that
are paid in full with no recurring balance. You currently do not have a savings plan in place for an
emergency fund, however Nicole has a checking account with $10,000.00 with no specific purpose
and Chris has a checking account $ 9,626 used primarily for bill payment. Let's review your goals
and how they relate to your current and future financial situation. Payoff Natalie's student loans in
three years – $19,881 @8% with a payment of $600.00 per month p/y = 12 & c/y = 12 PV =
$19,881 N = 36 I =

The First Retirement Plan Of The United States
The first retirement plan created in the United States, is one that the majority of us are familiar, the
Social Security Act, signed under law in 1935. Up until 1939, Social Security only paid retirement
benefits to primary workers, which for the most part were men. Age 65 was chosen as the retirement
age because individuals who survived past childhood were likely to live past 65. However, not
everyone benefited from such assistance, even after age 65–agricultural and domestic workers were
excluded from coverage (DeWitt, 2010). The excluded group consisted of roughly half of workers
contributing to the economy, which the majority were African Americans. According to Larry
DeWitt, a public historian from the Social Security Administration, exclusion of such groups was
due to tax–collection procedures and not due to racial bias. Although it may seem as though Social
Security was meant to be the only form of retirement plan for qualified retirees, it was not. During
such time, many individuals strongly depended on their savings as well as on their family. Today,
the certainty of receiving sufficient benefits solely from Social Security for a quality standard of
living after retirement is indefinite. Baby boomers–individuals born post World War II between
1946 and 1964–are beginning to claim their benefits, and given what I have learned in class, the
number of individuals entering the workforce is inadequate to sustain such a large population, thus
such generation will consume

The Poverty Of Older Women
Studies have shown economic disparities between unmarried women, women who are married, and
those who are divorced or separated later in life. Each of these women will experience a different
standard of living and financial well–being based on the circumstances of their life course. (193) In
2008 women living alone had the highest rate of low income with an after tax poverty rate of 18%
for women and 12% for men. Studies show that separated and divorced women are the poorest of all
older unattached women in Canada and the group that should be the focus of public concern. In this
paper I will discuss the key factors contributing to the poverty of older women in Canada, which are
marital status, gender inequalities in the family, ... Show more content on Helpwriting.net ...
Widowers, tend to be worse off than those who were never married, but better off than those who
were separated or divorced in mid and later years. This is because widows can benefit from
husbands' assets left to them, and to receive some protection from C/QPP. Going through a
separation or divorce in mid and later life increases the likelihood of an elderly woman living in
poverty. A woman who is married may rely on her husband's financial resources for security later in
life. As such, she may not do any retirement planning of her own. A woman who divorces later in
life is left with a very short and unrealistic amount of time to build up her own savings before
turning 65. These women are less likely to receive pension income and their average economic
family income from pensions is much lower than that of married men and women or even divorced
or separated men. Retired divorcees are least likely of all women to rate their income as adequate to
meet their needs. Gender Inequalities In The Family (207) Women are more likely to be faced with
occupational segregation and pay gaps, as well as to be burden with unpaid work responsibilities at
home, creating a weaker labour force attachment and less access to work related pensions in
retirement (Kaida &

Pension Law Case Study
Residents in Abbotsford, BC seeking legal counsel pertaining to pension division governed by the
section of Benefits and Pension Law will discover changes affecting survivors, limited members and
maturing pensions. In general, legal assistance is needed when benefit and pensions are affected as a
result of changes within a relationship. Legal services in Abbotsford, BC include advice on the
pension plan at issue, clarification of division options available and drafting of the pension division
arrangements.
Your pension is planned for retirement income and may be connected to public and private pension
benefits related to the Canada Pension Plan (CPP), Registered Retirement Savings Plan (RRSP),
Life Income Funds (LIF), supplemental plans, disability and flex benefits. The CPP in British
Columbia is the most traditional plan for retiring after working a full time career. All workers start
... Show more content on Helpwriting.net ...
CPP benefits have stipulations for receiving disability, spouse and pension sharing and death
benefits. More important are the guidelines to continue receiving pension distributions according the
General Drop out Provision; covering child rearing, common law partners and reduction of work
contribution as a primary caregiver within the CPP guidelines.
Legal Procedure
Today, CPP changes in pension law reform, particularly for division requiring expert and legal
guidance. Legal services may fall into two categories; business benefits and pension and family law
for litigation or class actions. Litigation is a process to resolve disputes by filing a complaint. The
complaint is governed through a legal process to determine the change or value of benefits under
family law practices. A class action is usually business related representing the collective who may
have suffered damages. Both methods require some level of legal representation to reach a
settlement.
Family

College Retirement Benefits
As college quickly approaches, the financial decisions I constitute today will affect me for the rest
of my life. As a young adult with minimal financial experience, one uneducated decision could
establish a precedence of financial insecurity for the majority of my young life. Consequently,
planning a budget and savings plan will immensely benefit my future spending and saving habits.
Another decision is how to independently manage my personal income and my spouse's student
loans. Lastly, contemplating the later years of my life propagates the necessity of a retirement plan
and investing.
Ten years from now, I will sustain a stable career as a physical education teacher and an assistant
college softball coach earning approximately $50,000 a year. I will have graduated from college
approximately six years prior and plan to have my college debt paid off. I'm constructing the
presumption that I will be in a stable relationship, living with my significant other, and
contemplating marriage. After my spouse and I have been married for two years, I plan to assist
them with their ... Show more content on Helpwriting.net ...
For example, a large university such as the University of Alabama costs around $40,000 for
someone who lives out of state. Private schools may cost even more, severely restricting payment
options. The advantage of paying your way through college is that you have little to no debt upon
graduating. You will have enabled yourself to become financially secure long before your peers and
coworkers are. Therefore, you can go on vacation, pay for the car you want, and potentially buy the
house you've always wanted by saving the money you would have been paying off your student
loans with. Lastly, paying your way through college teaches you to be financially and personally
responsible. It allowed you to learn to balance your time and finances at a young age, laying the
path for financial wellbeing in the

A New Generation Of Workers
A new generation of workers are in the midst of taking over the workforce: Generation Y, also
known as the Millennials. Baby boomers are ending their employment life cycle and transitioning
into retirement, leaving Millennials as the soon–to–be dominant generation in the workforce. By
2020, more than 46% of labour will be provided by these millennials. (Weber, 2016) As this
transition begins, a new trend within the workforce has also begun. Modern workers are no longer
spending their entire career with one employer. In fact, according to data from the Bureau of Labour
Statistics, the average worker today only stays at each of his or her jobs for 4.4 years. However, the
expected tenure of the workforce's youngest employees is about half of that. Ninety–one percent of
Millennials (born between 1977–1997) expect to stay in a job for less than three years, meaning
they would have 15 to 20 jobs over the course of their working lives. (Meister, 2012) With career
development and work–life balance on the forefront of the millennial mind, gone is the era of
employers using base salary in order to compete for the worker talent pool. They now have to
consider the total compensation package, which includes all forms of money, benefits, services, and
other "perks" eligible to the employee when competing with other firms, as modern employees have
begun to place just as strong of an importance on benefits as they do salary. The various benefit
packages offered by employers play a

Henderson Financial Plan
ALL STAR FINANCIAL PLANNING ALL STAR FINANCIAL PLANNING Personal Financial
Plan for John & Mary Henderson Table of Contents Table of Contents
Introduction............................................................................................3 Net
Worth..............................................................................................4 Cash
Flow..............................................................................................5 Financial
Goals........................................................................................6 Cash Flow
Planning..................................................................................7 Investment
Vehicles...................................................................................8 Current Investment
Allocation...................................................................10 Educational
Planning..............................................................................12 Asset
Allocation......................................................................................14 Retirement
Planning................................................................................17 Risk
Management...................................................................................20 Long Term Care ... Show more
Cash Flow Planning will help you understand where your income is going and give you a better idea
of your expenses. Your cash flow planning should be realistic and paint a clear picture. As seen
earlier in your cash flow statement you have a surplus of $9,000 at the end of the year. This tells me
that your family is doing a good job of being financially responsible. I have included a pie chart that
breaks down your cash outflows. This pie chart will give you a better idea of where your money is
going. As you can see from the pie chart you biggest sources of cash outflows are taxes and living
expenses. While I think your family is doing well financially you could benefit greatly from
reducing your everyday living expenses. Your family spends a significant amount of money on
recreations, vacations, and other personal expenses. By cutting down on these expenses you would
be able to invest more money into your children's education expenses or your own retirements.
Currently you are only investing 9% of your income into educational expenses and 6 percent of your
income towards retirement. Investment Vehicles There is no one single financial product or
philosophy that is right for every family. There are many different ways to obtain your financial
goals. This section will discuss some of the different types of investment vehicles you can use to
meet your financial goals. An investment vehicle refers to anything that a person

Termpaper on Status of Life Insurance in the Philippines
METHODS OF RESEARCH
(MIDTERM EXAM REQUIREMENT)
SUBMITTED BY : JANICE I. ARIZOBAL
MBA–M3
CBIBE
DATED: NOVEMBER 20, 2012
SUBMITTED BY: PROF. MICHAEL CABRA
PHILIPPINE WOMEN'S UNIVERSITY
DISTANCE EDUCATION
IMPORTANCE OF LIFE INSURANCE TO FILIPINO SOCIETY
ABSTRACT
This research and study is intended for future researcher's reference and insights of the importance
of life Insurance in the Philippine Society. the first part contains the history of Insurance in the
Philippines, Statements of what Life Insurance is, the types of Insurance, its advantage and
disadvantage.
The research also includes the present ... Show more content on Helpwriting.net ...
It may be too simplistic but I firmly believe that is the answer to our many problems.
On this research highlights on the importance of life insurance and how to manage low income will
be tackled.
History of Insurance in The Philippines
Development of Insurance in The Philippines

Pre–Spanish Era – there was no insurance; every loss was borne by the person or the family who
suffered the misfortune.
Spanish era – Insurance, in its present concept, was introduced in the Philippines when Lloyd's of
London appointed Strachman, Murray & Co., Inc. as its representative here.
1898 – Life insurance was introduced in this country with the entry of Sun Life Assurance of
Canada in the local insurance market.
1906 – First domestic non–life insurance company, the Yek Tong Lin Insurance Company, was
organized
1910 – First domestic life insurance company, the Insular Life Assurance Co., Ltd., was organized
1939 – Union Insurance Society of Canton appointed Russel & Surgis as its agent in Manila. The
business transacted the Philippines was then limited to non–life insurance.
1936 – Social insurance was established with the enactment of Commonwealth Act no. 186 which
created the Government Service Insurance System (GSIS) which started operations in 1937. The Act
covers gov't employees.
1949 – Government

Personal Statement: A Career As A Registered Nurse
Registered Nurse The nursing field gives a person the opportunity to work with and care for elderly,
sick, and injured patients. I want to join the registered nurse team because they take on multiple
medical settings. Registered nurses are known as RNs. They are responsible for multiple things.
Being a RN has a lot of responsibility. The topics I will be covering are: job description, specialties,
trends, salary, benefits, and required trainings. These are essential things that a person needs to
know before going into nursing school. A RN can have many different jobs. They can work in a
hospital, doctor's office, nursing home, in someone's home and many more places. "The main job
description of an RN is to provide care for sick and injured ... Show more content on
Helpwriting.net ...
The levels of education are associates and bachelor degrees which takes two to four years. You can
go to a university or a teach college to get the licenses to become a registered nurse. An
undergraduate usually go to school only for a diploma in nursing. The most common schooling for a
registered nurse licensure and a nursing career is through a hospital based schools of nursing like
MUSC. The first degree that a student can receive in the nursing field is an associate's degree. An
associate's degree takes two or three years to complete. The degree is offered by a teach colleges or
hospital–based schools. The final degree that an individual can receive in nursing is a bachelor
degree. A bachelor's degree is only offered by four year universities. To be a licenses nurse you must
graduate and pass the National Council Licensure Examination (2014–2015 Occupational Outlook

Benefits Of A Pension Plan
their pension plan will be there for them when they retire (5). In terms of reform the following
factors can help to make DB plans more attractive again: Risk shared plan where the cost is
explicitly shared between participants and sponsors; Target benefit plan (TBP) where accrued
benefits can be increased or decreased according to experience, and Plans where indexation of
pensions is conditional (Bakvis and Skogstad 2008, 144). The second tier consists of the CPP and
QPP, which is an earnings–related program for the employed and self–employed that provides
retirement, disability, and survivor benefits as well as benefits for children of deceased and disabled
contributors (Pierlot 2008, 3). The plans provide a retirement benefit of 25 ... Show more content on
Helpwriting.net ...
This matter is not discussed in this paper. In general any reform to the CPP is meant to apply to both
the QPP and CPP. The context in which the CPP/QPP operates refers to as joint–decision
federalism; although made for the purpose of mutual negotiation, it is harder to reach agreements
over important matters in the CPP (Bakvis and Skogstad 2008, 143). The federal government and
the provinces jointly administer the CPP whereas the OAS works within the domain of only federal
jurisdiction (Beland and Myles 2012, S78). First, any changes to the CPP must have the consent of
two–thirds of the provinces having two–thirds of the population, which implies that any four
provinces can, in concert, block a change to the CPP (Dyck 1986, 55). Second, the federal
government has the authority to block any change that it disapproves (55). These rules create a
system where multiple vetoes can overpower changes to the CPP. This makes it difficult to reach a
common consensus on urgent issues and reform, since there is a diverse range of governments with
different ideologies and viewpoints (Bakvis and Skogstad 2008, 144). The requirement that
assenting provinces represent two–thirds of the population gives a special veto to the larger
provinces. Ontario has a veto in its own right, and will continue to retain that power as long as more
than one–third of the population continues to reside within its borders (Dyck 1986, 55) In addition;
Quebec is included in

U.s. Labor Policy Proposal Essay
Labor Policy Proposal
Presented by
Institution
Introduction Many people have no idea of what they expect to achieve after retirement when asked
about their retirement plans. The government's policies about retirement do not cater for the well–
being of retirees creating a lot of worry for the life after employment. The increasing number of
employees demanding cover by government pension programs and the current decline in the
retirement income levels contributes to the change of the American pension landscape (Heiland and
Li, 2012). The United States of America developed labor laws during the time when the country's
economy was independent and self–contained. The main aim of U.S. labor policy was to get rid of
different challenges affecting employees and improve their lifestyle in order to enjoy working in a
suitable environment. Additionally, the labor policy aimed at protecting American workers by law
and protecting certain human rights. According to Dugas (2013), despite the growing economy in
U.S. more than 28 percent of American workers lack confidence with the current labor policy on
retirement. The research conducted by the Employment Benefit Research Institute (EBRI) in 2013
revealed that most workers are not sure of saving money for retirement. The above information calls
upon a recommendation of labor policy about retirement that would fulfill the demands of workers.
The proposed policy will bring change to the Public Employees' Retirement Fund

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