Death benefits Essay Example for Free

Death benefits Essay Scholars such as Gnckenzie (2007) advised people to take action before the 1st of July in order to ensure that they stand an opportunity to benefit under the new super rules. Among the things people were advised to do were to make a clear review on their nominations of death benefits, to make sure that they were still appropriate and in the current manner. Doing a review on insurance cover was also necessary to consider whether the amount in the account should be increased or not. Another strategy was to do a combination of all or part of the money for those who started their funds before 1983, the 1st of July. The set one million as a limit was also supposed to be utilized by people if they were to get advantage in the new changes. According to Betamann (2006) a person was supposed to make sure that they had effectively quoted the number on the tax file (TFN) to make good use of the new rules on their superannuation funds. Co-contributions were to be appropriately made to the government for the people whose contributions on the super is non-concessional, all these were recommended to be done before 1st July 2007. People were also advised to review their arrangements on salary contributions and confirm that the contributions they made did not go above the set limits. The set one million as a limit should be utilized by people if they are to get advantage in the new changes. A recommendation was also made that one should make sure that they have effectively quoted the TFN to make good use of the new rules on their superannuation funds. Co-contributions should be appropriately made to the government for the people whose contributions on the super is non-concessional. Annette (2006) advised people to make a review on minimum payments allocated on pension and be careful about the amount of money they withdraw, because if one withdraws a lot of money, then it means their accounts would soon run out. There was an advice to people to make applications for the health card of the seniors if they were legible for that. Checking whether one would suitably fit in the non-commutable to be able to enjoy the benefit of exception on the asset test which is on a 50% limit. Conclusion By and large the, the changes made on the 2007 simplified superannuation Act as Gnckenzie (2007) stated, have had a great improvement on the lives of the employees who were approaching retirement period. The exemption of tax, tax deduction, reduction of tax on death penalties and tax free death benefits upon the immediate dependents are among the benefits the seniors have enjoyed. However, the limitations introduced in the Act may have negative effects on the retirees who may not be able to comply. If a retiree takes action on the advice offered by the scholars, then they stand a great chance to take advantage of the 1st of July simplified superannuation Act. References Annette, N. (2006).Choices of Individual Investment and Retirement Enhancement: The Subcommittee Hearing. New York: McGraw Publishers. Batemann, H. (2006). Retirement Provision in Scary Markets (3rd ed. ). Cambridge: Cambridge University Press. Clare, S. (2005). Retirement in Australia and Superannuation: The Government Fund. Cambridge: Anderson Publishers. Cohen, P. (1998). Superannuation and Retirement (2nd ed. ). Chicago: Moody Press Gnckenzie, R. (2007). The Book That talks On Money: How to Manage Your Money Well. Cambridge: Cambridge University Press.

Tuberculosis is A Global Disease Essays -- Disease TB International

Abstract Tuberculosis is a deadly disease that is now affecting our world and the people living in it in a horrible way. Due to many factors such as poverty, HIV/AIDS, and lack of health care, many third world and developing countries have been left very vulnerable to tuberculosis. It is affecting a large part of these countries and is leading them deeper into poverty and sickness. The effort to help these countries against tuberculosis has only been slightly effective against this widespread and destructive disease. Tuberculosis is an infectious disease that affects one third of the world's population. The most infected areas are developing counties or third worlds countries such as Africa, India, Pakistan, and East Timor. Tuberculosis has been affecting people for millennia. Despite all of mankind's medical advances, TB is a global pandemic. This pandemic is caused by a number of factors such as poverty, HIV/AIDS, lack of health care, lack of knowledge, and new drug resistant strains. Globally, TB is second only to HIV/AIDS as a cause of illness and death of adults, accounting for nearly nine million cases of active disease and two million deaths every year (WHO declares TB an emergency in Africa Para 4). Microscopic droplets spread TB when an infected person talks, coughs, laughs, sneezes, or sings. It usually takes prolonged exposure with an infected person to become infected. In the United States, tuberculosis, compared to the rest of the world, is not as widespread. In 2003, a total of 14,871 tuberculosis (TB) cases (5.1 cases per 100,000 population) were reported in the United States. In addition, in 2003, foreign born people were recorded for 53.3% (7,845 cases) of the national case total, and 25 states reported th... ... public-private efforts, and expand community participation in tuberculosis control activities. Although counties have made efforts to fight this disease, they are unable to overcome this pandemic (WHO declares TB an emergency in Africa Para 7). Works Cited Mwinga, A. Drug Resistant Tuberculosis in Africa. 2001. New York Academy of Sciences. 1 Aug. 2007. 06>. Projects in Africa. 2005-7. Target Tuberculosis. 1 Aug. 2007. . Trends in Tuberculosis. 19 March 2004. Morbidity and Mortality Weekly Report. 1 Aug. 2007. . WHO Declares TB an Emergency in Africa. 2007. World Health Center. 1 Aug. 2007. . Tuberculosis is A Global Disease Essays -- Disease TB International Abstract Tuberculosis is a deadly disease that is now affecting our world and the people living in it in a horrible way. Due to many factors such as poverty, HIV/AIDS, and lack of health care, many third world and developing countries have been left very vulnerable to tuberculosis. It is affecting a large part of these countries and is leading them deeper into poverty and sickness. The effort to help these countries against tuberculosis has only been slightly effective against this widespread and destructive disease. Tuberculosis is an infectious disease that affects one third of the world's population. The most infected areas are developing counties or third worlds countries such as Africa, India, Pakistan, and East Timor. Tuberculosis has been affecting people for millennia. Despite all of mankind's medical advances, TB is a global pandemic. This pandemic is caused by a number of factors such as poverty, HIV/AIDS, lack of health care, lack of knowledge, and new drug resistant strains. Globally, TB is second only to HIV/AIDS as a cause of illness and death of adults, accounting for nearly nine million cases of active disease and two million deaths every year (WHO declares TB an emergency in Africa Para 4). Microscopic droplets spread TB when an infected person talks, coughs, laughs, sneezes, or sings. It usually takes prolonged exposure with an infected person to become infected. In the United States, tuberculosis, compared to the rest of the world, is not as widespread. In 2003, a total of 14,871 tuberculosis (TB) cases (5.1 cases per 100,000 population) were reported in the United States. In addition, in 2003, foreign born people were recorded for 53.3% (7,845 cases) of the national case total, and 25 states reported th... ... public-private efforts, and expand community participation in tuberculosis control activities. Although counties have made efforts to fight this disease, they are unable to overcome this pandemic (WHO declares TB an emergency in Africa Para 7). Works Cited Mwinga, A. Drug Resistant Tuberculosis in Africa. 2001. New York Academy of Sciences. 1 Aug. 2007. 06>. Projects in Africa. 2005-7. Target Tuberculosis. 1 Aug. 2007. . Trends in Tuberculosis. 19 March 2004. Morbidity and Mortality Weekly Report. 1 Aug. 2007. . WHO Declares TB an Emergency in Africa. 2007. World Health Center. 1 Aug. 2007. .

How Does Stevenson Engage His Readers? Essay

In Dr Jekyll and Mr Hyde Stevenson uses many ways of engaging his reader throughout the novel. He applies these methods in this way to keep the reader interested in the book. To start off with, Stevenson uses Narrative Methods. These methods add to the suspense and heighten the emotional impact. One use of narrative methods is the fact he tells the story from several perspectives. One chapter of the book is set out as a type of police report with the maidservant recalling what happened the night that Danvers was murdered. The way you can tell it is a report of some kind is because of the extra bits of information added – â€Å"(as the maid described it)† (page 47, line 2). This chapter, apart from giving you a different view of events, makes the readers realise that this man was an important figure in society and this story has gone from a mystery story (with the mystery being the nightmare Enfield had, the door and the strange man named Hyde) to a murder-mystery story as now there is a killer on the loose. This will give the story a frightening twist for the readers but the use of the language makes them keep reading particularly as it Hyde is revealed to be the killer in chapter 4. This twist gives the readers momentum to keep reading as they have already learnt that Hyde has no conscience really and has an inhuman side which can snap at any moment making him all the more dangerous but making the story all the more exciting – â€Å"And then all of a sudden he broke out in a great flame of anger, stamping with his foot, brandishing the cane, and carrying on like a madman† (page 46-47). This helps as all of the Narrators (bar the maidservant) were all reliable figures in society and truthful characters who never dream of lying. Mr Utterson – â€Å"Mr Utterson the lawyer was a man of rugged countenance, that was never lighted by a smile† (Page 29 line 1), this explains he did not have a sense of humour and would not joke around but tell the story as it is. This will help keep the reader interested as if it was a story told by a tramp then the Victorians would never have believed it as they have no reason to be truthful whereas Utterson is a lawyer and was well respected so there’s every reason to trust him. Stevenson introduces him as a calm, gentle man, who just wants to lead a quiet life (making him all the more believable) – â€Å"He was austere with himself; drank gin when he was alone† (Page 29 line 9.) This sentence is very important as well as it tells the reader that he is very strict with himself and sets himself boundaries . What also attracts the reader’s attention is they think that the story has finished chronologically at the end of chapter 8. The Victorians didn’t like mystery stories finishing with loose ends not tied up, so he leads on to the two real documents by saying – â€Å"They trudged back to his office to read the two narratives in which this mystery was now to be explained†. This ends the chapter on a cliffhanger, therefore adding to the suspense and inviting the reader to get involved with the conclusion of the mystery. Stevenson made sure not to reveal that that Hyde was Jekyll until the end when the story was over, although he had left clues – Hyde’s and Jekyll’s writing was similar. Also in chapter 8 when they find that Hyde was wearing oversize clothes that looked suspiciously like Jekyll’s and he infact does pretend to be Jekyll. Chapters 9 and 10 give the story a sense of authenticity as they are â€Å"real† documents. In chapter 9 Utterson receives a letter that was meant for Lanyon from Jekyll. There is a sense of urgency about the letter – â€Å"I had already sealed this up when a fresh terror struck my mind† (Page 75 line 29). This shows he wasn’t thinking clearly and he was rushed, leaving the audience to think why? And therefore reading on. Chapter 10 is a full summary of the book. It ties up all the loose ends as it is a letter from Jekyll himself summarising all the events that have taken place. This particular chapter uses a lot of emotional sentences from Jekyll – â€Å"Under the strain of this continually impending doom and by the sleeplessness to which I now condemned myself† (Page 95 line 13-14) and also â€Å"A mist dispersed; i saw my life to be forfeit. This tells how Jekyll feels he has nowhere to go in life and feels despondent. He recalls all of Hyde’s action and how he â€Å"enjoyed the leaping pulses and secret pleasures† but how he knew admits Hyde was sadistic and mental – â€Å"No man morally sane could have been guilty of that crime†. This is because it was a stupid thing from Hyde’s point of view as know he is a wanted man and cannot roam the streets freely anymore – â€Å"To be tempted, however slightly, was to fail†. Jekyll starts to think suicide’s the only way to stop the maniacal Hyde – â€Å"and when I know he fears my power to cut him off by suicide† (Page 96 line 15-16), as he has â€Å"terrors of the scaffold†. The last page of the book is the most emotional and well-written page of the whole book as Jekyll writes â€Å"his wonderful selfishness† but also â€Å"ape-like spite†. There he turned some con about Hyde into a pro but also made a con seem more than a con. This will tell the reader how emotionally attached to Hyde, Jekyll really was and how this decision was probably the hardest he has had to make in his life. The last few lines Jekyll has made up his decision in the sense he has gone from contemplating suicide to being definite – â€Å"And indeed the doom that is closing on us both† (Page 96 line 6-7). Stevenson also makes you feel sorry for Jekyll – â€Å"I know how i shall sit shuddering and weeping in my chair, or continue with the most strained and fearstruck ecstasy of listening, to pace up and down this room (my last earthly refuge)† (Page 96 line 11-13). That quote makes you think it’s taking every bit of strength to make these decisions and to do the simplest tasks and by this stage the readers eyes are glued to the page. The ending is a cliffhanger, in the sense you do not know anyone else’s reactions to Jekyll’s confession. It ends – â€Å"Here, then as i lay down the pen, and proceed to seal up my confession, i bring to life of that unhappy Henry Jekyll to an end†. That line tells you that he will kill himself but does not tell you how the others react which the readers will put the book down and think about it – in shock due to the confession but also thinking about it some more. My penultimate method is the setting that Stevenson used. He brought the â€Å"evil† immediately into the readers’ lives due to the fact he relates to London which was the most densely populated place in the UK. He also used middle class and well respected gentlemen which told the readers that not all people were perfect and not all the well off led boring lives. Stevenson uses winter as a month where â€Å"bad† things happen as both the murder of Danvers and the girl getting trampled was in Winter late at night. He uses to points of views – a characteristic and a psychological point of view. Characteristic – Mr Hyde’s resides in Soho which was a pocket of poverty and crime whereas Hyde lived in the West End (represents Hyde/Jekyll relationship) Also the respectable view of the entrance to Jekyll’s house to the back door which Hyde uses (represents two sides of the character) Psychological – The misty, dreary London seems to echo the unsettled mood of the characters and the dark mystery of the story – â€Å"The square when they got there was full of wind and dust, and the thin tress in the garden were lashing themselves along the railing† (Page 63 line 17-20). These settings help to set the scene and add the tension as they usually involve a â€Å"cold, windy night† which makes a chill run down the spine therefore wanting the reader to know more. My final method is the way Stevenson has used morals and the likes of the Victorian people in his favour. He has given us the moral – you can never trust appearances, as charming Dr. Henry Jekyll led this duel life with the bloodthirsty Mr Hyde. But also don’t let anything control you – â€Å"I am now finishing this statement under the influence of the last of my old powders†. He is reliant on a source which has driven him to suicide. It is also hypocritical as it’s saying â€Å"if we repress our dark side, it will become stronger†. This is true as Jekyll said of not changing to Hyde for two months – â€Å"But time began at last to obliterate the freshness of my alarm, I once again compound and swallowed the transforming draught†. Stevenson also included a lot more questions than there were answers. The Victorians enjoyed this as although the main loose ends tied up they had a feeling of authority as they got to decide some of the outcomes. As the Victorians found literature as a type of â€Å"escapism† where they could escape from their boring, old lives Dr Jekyll and Mr Hyde was the perfect novel which fitted all the criteria of a good, mystery/horror book that the Victorians could escape to and therefore engage them! In conclusion to the question, How Does Stevenson Engage His Readers, I think he engages them by using all these different methods – narrative, setting, and what the people in the era it was written liked. I think he engaged the Victorians though particularly on the latter as they had something to relate to e.g. Soho – a lot lower – middle class people lived round there who would buy this book and therefore read it to the end as it is of particular interest to them. This is the same for all of London though. For most people though this story kept them engaged by the excellent descriptions, the use of emotions and the suspense involved. Once a murder had taken place no one was ever going to put the book down!

The Negative Effects of High-Stakes Tests Essay - 1396 Words

Visualize a standardized test taken annually by millions of students in the U.S.A. that directly affects teaching methods, school budgets, and grade promotion. Presently, millions of schools are utilizing high-stakes tests to determine these major factors. The United States expects students to perform well on standardized testing, or school districts will suffer financial consequences under the No Child Left Behind Act (Au 502). This places pressure on everyone from administrators to students in a school district. Schools worldwide are stressed to succeed on these standardized tests when they only measure a fraction of a student’s intelligence. Standardized testing must be discontinued because it negatively affects school curricula,†¦show more content†¦Currently, instructors are pressured by state education department to adjust school curricula to meet the expectations of the standardized test. Educators alter the curriculum to â€Å"match the [standardized] testâ⠂¬  (â€Å"How Standardized†). Therefore, instructors are limited and classroom instruction is focused around test preparation for the annual standardized test. Teachers are forced to abandon their creative lessons and â€Å"teach the test,† or concentrating only on the material that will be evaluated (â€Å"How Standardized†). This frequently involves taking multiple choice tests that are formatted identically to the standardized test and only memorizing facts, formulas, and items included only on the standardized tests (â€Å"How Standardized†). Even though test scores may improve, students are not learning how to think critically and perform better in other subjects that are not on the test (â€Å"How Standardized†). Instructional time is limited in the other subject areas such as science, social studies, music, and art. Instructors feel â€Å"handicapped† and plead to state officials abandon these standardized tests for the sake of th e â€Å"quality of the instruction in American schools† (Zimmerman 206). School curricula are being modified only to prepare students for a single test, not for education the students need in the future. Additionally, school teachers are facing a gargantuan amount of pressure to teach their students the information the students need toShow MoreRelatedHigh Stakes Testing Is An Educational Strategy976 Words   |  4 PagesHigh-stakes testing is an educational strategy that affects students, teachers, and society as a whole. The topic of high-stakes testing has been supported and discredited by many educators, politicians, and citizens. Nationally, schools are using high-stakes testing for a variety of reasons. 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High stakes tests have been a concern for America’s educationalRead MoreImportant Skills A Student Needs Help Learn For Their Future929 Words   |  4 Pagesalso need the skill to deal with difficult life issues. Students may be able to achieve academically, but lack what is necessary to cope with difficult life issues. Teachers have to abandon teaching students what is not related to the standardized tests, which then makes them lose sight of what is important for the students. A whole child is not simply composed of their intellect, but their emotional and spiritual well-being as well. According to Barrier-Ferreira, â€Å"A school must be about achieving