The Baby Boom and the Future of the Economy

The Baby Boom and the Future of the Economy Whats going to happen to the economy as all the baby boomers get older and retire? Its a great question that would need an entire book to properly answer. Fortunately, many books have been written on the relationship between the baby boom and the economy. Two good ones from the Canadian perspective are Boom, Bust Echo by Foot and Stoffman, and 2020: Rules for the New Age by Garth Turner. The Ratio Between Working People and Retired People Turner explains that the big changes will be due to the fact that the ratio between the number of working people to the number of retired people will change dramatically over the next few decades: When most boomers were in their teens, there were six Canadians like them, under the age of 20, for every person over 65. Today there are about three young people for every senior. By 2020, the ratio will be even more frightening. This will have profound consequences on our entire society. (80) Demographic changes will have a major impact on the ratio of retirees to workers; the ratio of the number of people ages 65 and over to the number ages 20 to 64 is expected to grow from about 20% in 1997 to 41% in 2050. (83) Examples of Expected Economic Impact These demographic changes will have both macroeconomic as well as microeconomic impacts. With so few people of working age, we can expect that wages will rise as employers fight to retain the small pool of labor available. This also implies that unemployment should be fairly low. But simultaneously taxes will also have to be quite high to pay for all the services that seniors require such as government pensions and Medicare. Older citizens tend to invest differently than younger ones, as older investors tend to buy less risky assets like bonds and sell riskier ones such as stocks. Do not be surprised to find that the price of bonds rises (causing their yields to fall) and the price of stocks to fall. There will be millions of smaller changes as well. The demand for soccer fields should fall as there are relatively fewer people will the demand for golf courses should rise. The demand for large suburban homes should fall as seniors move into one story condos and later to old-age homes. If youre investing in real estate, it will be important to consider the change in demographics when youre considering what to buy.

Exercise Your College Reading Skills

Exercise Your College Reading Skills Your college career depends largely on your ability to read well. However, its a fact that some of the most brilliant minds, including Albert Einstein, were not great readers. You may be frustrated if you understand advanced material but have trouble getting it from the page into your brain. Here are some tips on how to improve your reading skills and your grades. Indulge in Pleasure Reading Daily Sure, you spend most of your day reading textbooks and other course-related content. It is hoped that you enjoy at least some of what youre reading. However, set aside some time before bed to read something you truly enjoy. Choose a magazine, chick lit, a classic novel, or the hottest creative nonfiction. When youre engaged in what youre reading, youll be more attentive and naturally improve your reading skills. Allow Enough Time Scheduling regular study times throughout the week is a good idea anyway, but particularly if you find reading challenging. Leaving all of your reading assignments for the last minute makes you feel pressured to fly through the material, which is never good for deep understanding or long-term memorization. Read While You Listen Listening to an audiobook as you follow along with a print version can be an enjoyable experience. While it may sound like overkill, this double-input method is a great way to improve weaker reading skills. Hearing the words pronounced aloud as you read them will improve your retention of vocabulary and your comprehension. Just be sure that your audiobook is an unabridged version; otherwise, you may have a hard time skipping ahead to the right spot in your book. Read to Yourself You may not have access to a recorded version of your school texts. If your roommate is gone frequently or tends to wear headphones a lot, try reading aloud as you study. Hearing the words may increase your comprehension and retention of the material. Use a Reading App It may contradict what weve said above, but if youre an average reader, pronouncing words in your head as you read may slow you down. After all, you have the capacity to read words far faster than you can speak them. Therefore, while some people have reading difficulties that respond best to vocalization, others do better to quiet the voice in their head. An app like Syllable can actually teach you how to become a speed-reader. Eliminate Distractions Online Who can read when there are ads, links, pictures of cats, and other distractions on the margins of a webpage? Install a browser add-on or plugin that allows you to read a clean version of the primary content. Youll read faster and remember more of what you read. Use a Dictionary or Thesaurus If you understand every word that you read in college textbooks, youre probably a professor by now. Dont just skip over unfamiliar words. That one definition may clarify an entire paragraph. Make sure you have a dictionary or thesaurus site or app nearby whenever youre reading. Take Care of Your Eyes Even though youre young, youre staring at screens and pages for hours a day. Human eyes simply werent designed for so much effort. If you struggle even the slightest bit with reading, be sure to get an eye exam. Glasses or contacts might make a huge difference in your reading ability. Furthermore, dry eyes are a common affliction today, so always have a bottle of artificial tears on hand. You blink less when you stare at a computer screen, so youll need to replenish that lost moisture regularly. The more comfortable your eyes are, the better youll be at reading. Some people are natural-born readers, but that doesnt mean that you cant improve your skills significantly. Get into good reading habits and make use of the tools that are available to you. When you can read well, you can accomplish anything.

Property law Case Study Example | Topics and Well Written Essays - 750 words

Property law - Case Study Example Thus, so long as the disseisor physically possess the land, and gained entry into the land without the permission of the owner, and has been using the land appropriately according to its resources and location, and also fulfilling the statutory duties regarding the property such as paying taxes, rates and rent for a reasonable period of time, then the disseisor has the right to the ownership of the property, without compensation to the rightful owner (Martin, 102). In this case, as the legal attorney, I would advise Barney to give up claims on the property as a legal advice, since the 2o years settled by Ernest on the land, and the consequent use and development allows him the right of ownership, under the concept of adverse possession, and tell him that God will reward him otherwise, as a spiritual advice, since his action would amount to helping others, which is a fundamental spiritual principle. The second issue regarding the move by the authorities to take over the beach house ow ned by Barney for the sake of developing the property as the â€Å"Future home of the Nickelodeon Family Resort†, can be pitched on the legal concept of Eminent Domain. ... y the authorities can then be developed for public utilities or economic generation projects, as long as the projects are undertaken to meet the public interest such as employment, providing basic services or availing a rare service to the region where the property is being has been taken over. Under the concept of Eminent Domain, the law provides that the rightful owner of the property that has been taken over by the state or other government agencies should be granted a just value compensation (Paul, 47). The law interprets just value to mean the prevailing fair market value. Therefore, considering the fact that the property owned by Barney is being taken over by the relevant government authorities in the best interest of the public, such as to create employment opportunities, then, the course is justifiable, under the legal concept of Eminent Domain. Therefore, as the attorney advising Barney on legal matters, I would recommend that he receives the due compensation being offered a s per the fair market value. Additionally, on the spiritual perspective, it would also be in line with the spiritual principle of sharing what an individual has with others, since the property will be applied in a way that would benefit many through service provision and employment creation. Therefore, it would be spiritually correct for Barney to allow the take-over of the property. On the third issue where Barney’s vehicle was stolen by Carl and then sold to a car dealer, the circumstances can be drawn from the legal concept of Good Faith Purchasers for Value. This concept defines a Good Faith Purchaser for Value, as an individual or party that purchases a property from another party, and gives value in exchange of that asset, without the due knowledge of adverse claims to that asset

Law and Policy Case Study Example | Topics and Well Written Essays - 750 words - 1

Law and Policy - Case Study Example These strategies promote integrity, availability and confidentially of information by defining security procedures, guiding their implementation and outlining wide array of measures. This proposal looks the impact of organization laws, regulations, and policies in maintaining confidentiality, integrity, and availability. Legal environment and its impact on information security The legal environment provides an indispensable framework that guides organization on how to achieve various goals such as information security. In many organization, the triad of factors—rules, regulations and policies constitute the entire framework the promote information security (Martin, & Khazanchi, 2006). These factors, however, differ on their scope and impact on information security matters within an organization. In many organizations, policies remain the first strategy of ensuring the organization information systems are secure. Regardless of the type of organization, whether business, nonprof it or federal, policies stipulate guidelines that promote information security. Policies in general, guide information security governance within an organization and this help maintain information security within an organization. ... For instance, the United States Federal government publishes a minimum-security requirement that its agencies must adapt to secure data and information technologies (Martin, & Khazanchi, 2006). On the other hand, organization can develop policies that guide how their employees interact and use information system to protect data and promote confidentiality, integrity, and availability. In many cases, government policies guide how government entities structure their policies and implement security apparatus. However, organization policies direct the conduct and use of information system among the organizations personnel, administrators, and clients. Despite their difference, these policies provide a baseline that helps define access rules and develop mitigation effect should there be any security breach. For instance, government and organization polices provide employees with guidelines on how to secure systems. For instance, the Federal guidelines stipulate the minimum encryption that federal entities must adapt to secure the system from threats that can influence (Martin, & Khazanchi, 2006). In addition, an organization can develop policies that outline how its users can secure their information when using information system. For instance, a banking institution can set policies that require customers to change users’ passwords after the lapse of a certain period. These policies reduce the risk that can breach security measures not to mention promoting responsibility over information security. Rules on information security define the legal environment of an organization. Regulations refer to orders that define what users of information can perform and what they user should not. This aspect of the legal environment is critical in

A Swimming Adventure Essay Example for Free

A Swimming Adventure Essay Awaking early, I decided to sit on the screened porch and watch the Florida sun come up. Within a very short time as I sat there, the sun peaked on the horizon as it gradually awakened from its night of slumber. The dew sparkled like diamonds as the suns rays tenderly caressed the grass. Off in the distance, I could hear the world spring to life as the birds began to sing a spectacular melody, growing louder and louder as each bird began to chirp in unison, like a choir singing in church on Sunday morning. A new day had dawned and I remember thinking how magnificent the birds song was and what a wonderful day it was going to be. Returning to my duties as a mom, I started making breakfast for my children, who would wake shortly wanting to eat. Within a few minutes, the wonderful aroma of the pancakes and bacon cooking on the stove gave way to the sound of pitter-pattering little feet as they hit the floor. My children Michael, Laura and Misty were awake and joined me in the kitchen. I seated the children; gave them their breakfast and told them that it was going to be a very hot day and if they ate all of their breakfast and cleaned up the toys, I would take them to the beach to go swimming. The children, bustling with excitement over the news, hurriedly ate their breakfast and started cleaning up their toys while I cleaned the kitchen. Around noon, the temperature was a blistering 95 degrees as we packed a cooler with sandwiches and drinks. We loaded the trunk with our chairs and headed off to the beach. On the way, we saw a black and white cat racing across the street chasing a gray mouse. We played a game called I Spy and sang songs to pass the time. Growing closer to the beach Michael spied a snake lying in the road, and asked, Why is the snake lying in the middle of the road mommy? The snake  was dead and not wanting to upset him, I replied, The snake is basking in the sun so it can get warm. It was not long before we had reached our destination. Anticipation filled the air as we found the perfect spot and unloaded the car. The children helped set up the chairs and then headed off to swim. Deciding to relax a few minutes, I took in the peaceful views that lay before me. The beach was covered with white sand and on each side of the swimming area were large boulders and rocks that had been piled up. There were several covered tables and a bathroom area. Many people were playing in the water while others were lying on their towels and blankets on the sandy beach. A volleyball game was taking place a few yards away and I remember thinking how hot it was as the glaring sun beat down on everyone. Watching the children playing in the surf, the waves from the shore looked fun and almost childlike as they crested and then crashed over one another. I could taste the salt in the air and watched little rainbows glisten through the prisms of the oceans spray. The warm ocean water toward the shore was covered with foam and bubbles from the rumbling waves as my children and other families played in the gritty sand of the Gulf. I watched the seagulls swoop  down as a child threw small pieces of bread up in the air. The sea gulls were white and gray and had a long orange beak. I remember thinking to myself, This is going to be a perfect day. The children are playing and laughing in the ocean and call out Come on mom, come and play. I start towards the water trying not to step on any of the tiny hermit crabs as they emerge from their sandy homes in search of scraps. I reached the water; no crabs injured and plunged head first into a two-foot wave coming to shore, hah! How refreshing. My children and I are swimming and playing together in the cool refreshing water. I lift them one by one tossing them slightly in the air and letting  go, I hear them shriek with delight as they plummet towards the water with a splash! This exciting activity is repeated several times until my arms give out and I am forced to take a break, much to the dismay of my children who are having a wonderful time. I stand there in about three feet of water when my children come up with another exciting game; they start swimming through my legs playing mommy is a bridge. I remember thinking boy! I wish I had their energy. After resting a few minutes I picked them up, placed them one at a time on my back and began to swim; we slowly swam under the blue water and up again and I could hear them giggle with excitement and say Do it again mommy, do it again. A short time later a commotion broke out interrupting our games, I struggled to hear what everyone was shouting about and saw people running to the waters edge and pointing about fifty feet from where the children and I were playing. Looking in the direction they were pointing, a  man with his daughter in tow yells, SHARK! without hesitation, I yelled to my son, Michael, get out of the water! I grabbed Laura and Misty and headed to shore. My adrenalin pumping we reached the shore incredibly fast, like a bolt of lightning streaking across the night sky. Only when we were safely on shore did we look back to see three fins just skimming the surface of the water. I stood there stunned and shocked watching the fins, wondering what kinds of sharks they were and very grateful that everyone was in one piece. A few minutes later, the fins disappeared beneath the surface and everyone was treated to a wondrous sight, there off in the distance, were three dolphins jumping high into the air and making a big splash as they entered the water. The dolphins took turns jumping and playing; sometimes they would jump in unison, as if dancers in a chorus line. As fast as they had appeared, the dolphins slipped beneath the waves and headed out to sea. I wondered if the dolphins laughed to themselves; thinking about how they had scared the two-legged creatures from the water  or if they were just as curious about us as we were of them. With the all clear, we headed back into the water and continued swimming and playing games. A short time later, the children became hungry so we decided to get something to eat and drink. The ham and cheese sandwich tasted good and the Pepsi was refreshing. As we ate, the children began to get goose bumps so I covered their shoulders with a blanket. Hours later, the sun setting, we gathered our belongings, packed up the car and ventured home. The children tired from a full day of fun and games fell asleep quickly. Not wanting to wake the children, I turned off the radio and listened to the hum of the motor as we made our way home. Later as I lay in bed I replayed the days events in my mind, from the stunning sunrise, the splendor of the birds as they sang, the laughter of they children as the played, the show of the dolphins, the beauty of the beach and the setting sun, I thanked God for all the wonderful gifts he had given me. THE END Graded and Corrected A+ paper The teacher wanted us to write an essay about something that happned in our lives. I scored a 94% on this essay due to poor punctuation, which has since been fixed.

An Analysis of the Los Angeles County Hospital Emergency Room Essay

An Analysis of the Los Angeles County Hospital Emergency Room Learning Team Operations Management Plan The problem of emergency department overcrowding has become an important issue for many emergency departments throughout the city and county of Los Angeles. Patients frequently have to wait hours just to get into the emergency department to be seen by a physician or other healthcare professionals. The problem does not seem to be getting better as times goes on, but indeed studies seem to indicate that the condition is growing worse. At a local Los Angeles County Hospital (King Drew Medical Center) emergency department, we found that the problem is especially severe. Patients are forced to wait as long as 8-12 hours to be seen and treated by physicians. This paper will propose a plan that will help to alleviate this critical problem of emergency department overcrowding and long patients waits for services. Problem Statement There is a nationwide shortage of emergency room space and an increased demand for emergency services. Public health officials, hospital executives, and doctors are increasingly concerned about emergency department ''boarding," because of the potential impact on both patient safety and staff burnout (Kowalczyk, 2005). Our paper will attempt to solve the problem of emergency department overcrowding and long waiting times. We propose to first create a flow chart of present operations from the beginning of the emergency department visit to the discharge or admission of the patient. We believe that the process can be analyzed and changed in a way that improvement can be accomplished by improving efficiency and flow of traffic through the emergency department processes. Null Hypothesis Our study attempts to identify a serious problem at a local Los Angeles County Hospital that appears to have plausible solutions. Looking at other similar hospitals throughout the nation and abroad, it appears that restructuring and appropriate panning may help to alleviate long patients’ waits for services. The null hypothesis states that changes in the processes of triage, registration, evaluation, treatment and disposition will shorten waiting times and improve efficiency (mu= changes in process). The alternative hypothesis states that changing in the process of triage, registration, evaluation, treatment and disposition will not change or improve waiti... ...y will be made and expenses reduced by a more efficient process. References Campbell, A.B. (2003). Strategic planning in health care: Methods and application. Quality Management in Health Care, 1(4), 12-23. Kowalczyk, L.(2005). Hospitals strive to reduce waiting lines for beds. Retrieved April 26, 2005 from the world wide world: http:// www.boston.com/news/education/higher/articles/hospitals ================================================================= Kelton, W. D., R. P. Sadowski, D. A. Sadowski, 2002. Simulation with Arena, Second Edition. New York: McGraw-Hill Higher Education. Joint Commission on Accreditation of Healthcare Organizations. Quality in Healthcare. Retrieved April 26, 2005 from the world wide world: http://www.jcaho.org/qualitycheck/ Los Angeles County Hospital (King Drew Medical Center Emergency Room, 2005). Measures to reduce length of stay in the emergency room. LA: Author. Affinity Data Collection Systems. Retrieved April 26, 2005 from the world wide world: www.affinitydata.com. Wilson, A. (2004). Reduction of ED Queues and Elopement Through the Straight Back Approach. .Retrieved April 26, 2005 from the world wide world: http://tgi@thomasgroup.com/

Equality and Diversity Essay

This essay examines the key factors that influence inclusive learning and teaching in the lifelong learning sector. Teaching methods will vary according to what you want to get out of the session, what the learners are able to achieve within the time frame, what materials and resources are available, what you are teaching, the needs of the learners and your personal style. This could be formal, informal or a mixture of both. Formal teaching methods include lecturers, demonstrations and presentations. Informal teaching includes discussions, group work and practical activities. As I will be teaching within the Beauty Therapy my lessons would be a mixture of both these delivery methods. Each activity within the classroom will consist of teaching and learning activities which are balanced to meet the different needs of my learners. Blended learning incorporates both traditional and computer based methods. This is commonly referred to as Information learning technology (ICT) this use of computer based technology to enhance teaching methods and resources or develop learner autonomy is widely promoted. The other main teaching methods other than ICT I am opting to use are lecturers and demonstrations. These demonstrations are very important as it would show the students the beauty routine that we would expect them to follow within their practical sessions. This ensures that students will be working to the same standard and will also adhere to the requirements of the awarding body. Practical sessions also help to explain difficult parts of the task when verbal exposition in not enough. I would also use group work activities, these particularly suit kinaesthetic learners but also when you have a group consisting of various abilities it allows both weak and strong learners to work collectively. Question and Answer sessions will be most commonly used in my tutorials. If I was teaching for example ‘the bones and muscles of the body) I would ask students to identify where muscles are on the body to help promote learning. At the start of the course the approach I will use to facilitate inclusive learning will be to carry out an initial assessment. This will help me identify what type of learners they are, I would then plan my teaching sessions to meet these individual needs by using a mix of visual, auditory, kinaesthetic teaching and learning strategies. For example I had just completed a practical demonstration to my group on ‘a facial routine’, I wanted to make sure my learners could confidently work in pairs and practice this routine on each other. A task like this would suit the kinaesthetic because he/she is provided with an opportunity to do and learn, and for the visual learner I would produce a step by step illustrated hand-out to support the routine. The Equality Act 2010 outlines protective characteristics which promote equality within schools and colleges and prevent discrimination. This includes sexuality, sex, disability, marital status and religion. In order to promote equality in my classroom I will need to respond positively to the diverse needs of all learners. Effective communication with learners is essential and it is the teacher’s responsibility to ensure that learners understand appropriate vocabulary and terminology and that comments are not discriminatory or offensive. As a teacher I would keep language simple so that if I have a learner from different backgrounds they may not have the same level of English as British learners. Resources used such as hand-outs, assignments and work sheets will also aim to promote equality and diversity. For example I would produce worksheets in a gender free language and also aim to promote multiculturalism by producing scenario based worksheets that use names from various ethnic backgrounds. I would also pace my sessions so students have plenty of time to take notes and ask any questions. Although inclusion is about supporting learners’ needs. It is not always possible for teachers to do this without support themselves. All teachers should be aware of the limits of their own responsibility and know when and where to access support for learners. you will not be able to get students to solve all their own difficulties. Get to know and use your institutions student services or pastoral support system: it exists to support your students, and you, so do refer where it is appropriate† Petty 2004 There are many places of referral within education; these can be both internal within the education establishment or an external organisation. The internal places of referral may inc lude student support services, learner study support centre, and counselling and careers advice. If I had a student for example who needed help with writing their essay I would arrange for them to go to the learner study support centre who would be able to assist Learners with learning difficulties or disabilities may need additional support and may need a designated support worker to support them within the classroom. A learner with dyslexia may find it hard to read text or numbers or have difficulty with writing and spelling, therefore I would produce written hand-outs and allow learners with dyslexia to present their ideas verbally or tape notes if necessary. Political correctness is a commonly used term at the moment and is used to ensure that expressions do not cause offence to any particular group of people. There are also many external agencies where learners can be referred, and which agency they are referred to would depend on the individual’s needs of the learner. This may include health related issues, family difficulties, poor attendance, or repeated challenging behaviour. The purpose of referring a learner to an external support agency is to support an individual student and to help them overcome their difficulties which are impacting on their education. For example if I had a student who was constantly disruptive in class and had a record of aggressive behaviour I would refer them to the Pupil Referral Unit. They would help and encourage the learner to be involved in the learning process, but in a smaller environment where they be in a much smaller group (3-4 learners) and also receive one-to-one support. Functional skills such as literacy, numeracy and ICT can be easily integrated into my lessons. These activities will meet both literacy and numeracy standards but are more easily understood by the learner. An example of this would be an assignment covering salon duties. I would ask the students to produce a sales ledger for stock to be re-ordered from our supplier. This would include maths as the student would have to calculate the cost of goods and also the total value of the order, it would include English as the student needs to produce the document and ICT as the student would have to present it in a typed format. The best way to establish ground rules with my learners is to negotiate them. The rules should be appropriate and fair and agreed as a whole class. As a teacher, I would establish ground rules during the first session, and plan a short activity around this. The class could discuss what is expected of them and write the rules in small groups. I would also list a few ground rules and then negotiate them as a class. This gives all learners the opportunity to be included and involved and as they have decided on the rules they are also more likely to respect them. When establishing ground rules it is important to ensure they are clear and brief and start positively rather than with ‘do not’. Once the rules have been established I would ask the learners to write them on some flipchart paper and hang them up in the class so that they are visible to all. It is also important to reinforce the rules consistently and to phrase learners when rules have been adhered to. I feel this method would motivate learners and also model good behaviour. Some rules may not be able to be negotiated. For example when the students come into class they must be wearing their salon uniforms and hair must be tied back. As a teacher even though I have designed my lessons to meet everyone’s needs I still need to ensure that my learners are motivated and want to learn. Maslow (1970) argues that basic needs such a food, safety, love and belonging and self-esteem need to be met in order for them to achieve their goals and aspirations. Everyone is motivated through either Intrinsic (because they want to learn) or extrinsic motivators (because they have to i. e. better job prospects). â€Å"A good teacher will play to the strengths of the learner when trying to raise enthusiasm in learning† Wilson 2004 – page 188 Other theories of motivation that can be used to motivate learners include the goal orientated theory, based on desire to be rewarded for achievement. A learner is given a clear direction or task and when it is reached there is a reward. For example I would set a group task for my learners to complete within the lesson. If they finish before the end of the lesson they are allowed an early break. If they don’t complete the task at the by the end of the session they will have to complete as homework. Albert Bandura (1994) suggested that an individual’s belief in themselves and their ability is related to what they can achieve. An example of how this can be applied into the classroom is to encourage my learner to try, and re-explain the topic if they are unsure. Through coaching and reassurance I will enable that learner to achieve. Giving effective feedback will help to improve the confidence of learners and develop their potential. Feedback should be delivered promptly and be a two way process. I would ask the learner how they think they did and get an idea if their understanding of the topic. Even if I had negative feedback to give to my learner I would end with a positive statement to incite the learner to take my comments on board and leave them feeling more positive about their performance. To conclude I suggest that inclusive teaching can only take place if both equality and diversity are positively promoted. Inclusive teaching relies on a range of differentiation strategies which may include adapted resources or additional classroom support. Depending on individual learner needs, learners may need to be referred to internal or external places of referral for extra support. .