Free Essays on Fats Wallers

Ain’t Misbehavin’ Nobody to converse with; without anyone else; nobody to stroll with, In any case, I'm upbeat on the rack. Ain't making trouble I'm sparing my adoration for you. I know for certain the one I love. I'm through with being a tease It's simply you that I'm considering. Ain't making trouble I'm sparing my adoration for you. Like Jack Horner in the corner-don't go no place What do I give it a second thought? Your kisses merit sitting tight for, trust me. I don't remain out late, couldn't care less to go I'm home around eight. Just me and my radio. Ain't making trouble, I'm sparing my affection for you. This is a first individual storyteller and can take care of business or lady singing the melody since it is basically discussing not â€Å"misbehavin’† on their better half. The storyteller is talking intensely about missing their better half; considering them, composing a letter or conversing with their cherished one straightforwardly. The speaker is tragic and is trusting that their cherished one will return. The speaker needs the object of their adoration to realize that they will remain dependable and that there is no compelling reason to stress over them going despite their good faith with another person. The speaker makes reference to Jack Horner and I have no clue about who that man is so this melody must be composed a quite a while back. The last line additionally makes a reference to a radio, which implies this melody was certainly composed before TV in light of the fact that the reference would have been TV rather than radio. The verses allude to a potential episode or occurrences of unfaithfulness in light of the fact that the speaker would not be singing this tragic tune about being dedicated if there was not an episode. The speaker is likewise attempting to persuade their cherished on that they are their unrivaled love and despite the fact that there has been â€Å"flirting† there won't be any longer. â€Å"I know for certain the one I love. I'm through with being a tease. It's simply you that I'm thinking of.† Whether or not their adored one will trust them is another tune, however it seems like t... Free Essays on Fats Waller's Free Essays on Fats Waller's Ain’t Misbehavin’ Nobody to converse with; without anyone else; nobody to stroll with, Be that as it may, I'm cheerful on the rack. Ain't acting mischievously I'm sparing my adoration for you. I know for certain the one I love. I'm through with being a tease It's simply you that I'm considering. Ain't acting mischievously I'm sparing my adoration for you. Like Jack Horner in the corner-don't go no place What do I give it a second thought? Your kisses merit hanging tight for, trust me. I don't remain out late, couldn't care less to go I'm home around eight. Just me and my radio. Ain't acting mischievously, I'm sparing my adoration for you. This is a first individual storyteller and can take care of business or lady singing the melody since it is essentially discussing not â€Å"misbehavin’† on their life partner. The storyteller is talking earnestly about missing their loved one; pondering them, composing a letter or conversing with their cherished one straightforwardly. The speaker is dismal and is trusting that their adored one will return. The speaker needs the object of their affection to realize that they will remain dependable and that there is no compelling reason to stress over them going despite their good faith with another person. The speaker makes reference to Jack Horner and I have no clue about who that man is so this melody must be composed a quite a while back. The last line likewise makes a reference to a radio, which implies this tune was certainly composed before TV on the grounds that the reference would have been TV rather than radio. The verses indicate a potential occurrence or episodes of unfaithfulness in light of the fact that the speaker would not be singing this dismal tune about being dedicated if there was not an episode. The speaker is additionally attempting to persuade their adored on that they are their unrivaled love and despite the fact that there has been â€Å"flirting† there won't be any longer. â€Å"I know for certain the one I love. I'm through with being a tease. It's simply you that I'm thinking of.† Whether or not their cherished one will trust them is another melody, however it seems like t...

Italian Diminutives - Alterati Diminutivi

Italian Diminutives - Alterati Diminutivi In Italian, diminutives (alterati diminutivi) are a classification of modified words (alterati) in which the importance of the base word is constricted or decreased in some sense. Models incorporate sassolino (a rock), spiaggetta (little sea shore), tastierina (keypad), and visitina (short visit). Framing Diminutives With Suffixes Diminutives can be framed with the postfixes: - ino: mammaâ ⠻â mamminamother, momâ ⠻â mommy minestraâ ⠻â minestrinasoupâ ⠻â broth pensieroâ ⠻â pensierinothought, worryâ ⠻â small blessing, somewhat present ragazzoâ ⠻â ragazzinoboyâ ⠻â young kid, young man, kid belloâ ⠻â bellinobeautifulâ ⠻â cute difficileâ ⠻â difficilinodifficult, complicatedâ ⠻â minor trouble The addition - ino has two variations with an infix (interfisso) (component embedded between the base and the postfix): - (i)cino and - olino. Here are a few models: bastoneâ ⠻â bastoncinowalking stick, stick, staff, rodâ ⠻â stick, twig, switch libroâ ⠻â libric(c)inobookâ ⠻â booklet sassoâ ⠻â sassolinorock, boulderâ ⠻â small stone, rock topoâ ⠻â topolinomouse, ratâ ⠻â baby mouse freddoâ ⠻â freddolinocoldâ ⠻â brisk magroâ ⠻â magrolinothin, lean, thin, spareâ ⠻â skinny In communicated in Italian there are additionally avverbi alterati: prestoâ ⠻â prestinosoon, early, quicklyâ ⠻â somewhat rapidly tantoâ ⠻â tantinoso much, veryâ ⠻â a considerable measure tardiâ ⠻â tardinolateâ ⠻â barely late The changing postfix - ino is most as often as possible utilized with addition mixes: casaâ ⠻â casettaâ ⠻â casettina, gonnaâ ⠻â gonellaâ ⠻â gonnellina. - etto: bacioâ ⠻â bacettokissâ ⠻â little kiss, peck cameraâ ⠻â camerettabedroomâ ⠻â small room casaâ ⠻â casettahouseâ ⠻â cottage, little house lupoâ ⠻â lupettowolfâ ⠻â wolf whelp, fledgling scout bassoâ ⠻â bassettoshortâ ⠻â shrimp, small fry piccoloâ ⠻â piccolettosmallâ ⠻â shorty A mix of postfixes is normal: scarpaâ ⠻â scarpettaâ ⠻â scarpettinao, seccoâ ⠻â secchettoâ ⠻â secchettino. - ello: alberoâ ⠻â alberellotreeâ ⠻â sapling asinoâ ⠻â asinellodonkeyâ ⠻â little or youthful jackass paeseâ ⠻â paesellovillageâ ⠻â hamlet rondineâ ⠻â rondinellaswallowâ ⠻â baby swallow cattivoâ ⠻â cattivellobad, wickedâ ⠻â mischievous, shrewd poveroâ ⠻â poverellopoorâ ⠻â poor individual This addition has variations with the interfixes - (i)cello and - erello: campoâ ⠻â campicellofieldâ ⠻â small field informazioneâ ⠻â informazionecellainformationâ ⠻â small snippet of data fattoâ ⠻â fatterellofact, occasion, occurrenceâ ⠻â minor matter, account fuocoâ ⠻â f(u)ocherellofireâ ⠻â small fire Regularly there is a mix of postfixes: storiaâ ⠻â storiellaâ ⠻â storiellina, bucoâ ⠻â bucherelloâ ⠻â bucherellino. - uccio (has an insulting implication or, all the more normally, is a pet name): avvocatoâ ⠻â avvocatucciolawyerâ ⠻â shyster casaâ ⠻â casucciahouseâ ⠻â small comfortable house cavalloâ ⠻â cavallucciohorseâ ⠻â small horse, seahorse caldoâ ⠻â calduccioheatâ ⠻â warmth freddoâ ⠻â fredducciocoldâ ⠻â coldness, coolness A variation of - uccio is - uzzo: pietraâ ⠻â pietruzza. - icci(u)lo: astaâ ⠻â asticci(u)olapole (for vaulting), bar, lanceâ ⠻â small bar; the pole of a bolt or a pen festaâ ⠻â festicciolafeast, occasion, vacationâ ⠻â small party portoâ ⠻â porticcioloharborâ ⠻â small harbor Now and then likewise has a disparaging sense: donnaâ ⠻â donnicci(u)ola. - ucolo (has a derisive implication): donnaâ ⠻â donnucolawomanâ ⠻â silly lady maestroâ ⠻â maestrucoloteacherâ ⠻â ignorant, uncouth instructor poetaâ ⠻â poetucolopoetaâ ⠻â scribbler, rhymster - (u)olo: faccendaâ ⠻â faccenduolamatter, business, affairâ ⠻â small task montagnaâ ⠻â montagn(u)olamountainâ ⠻â mound poesiaâ ⠻â poesiolapoetryâ ⠻â limerick, a little sonnet Note additionally the alterazione with - olo, which happens for the most part in mix with another postfix: nomeâ ⠻â nomignolonameâ ⠻â nickname viaâ ⠻â viottolostreetâ ⠻â lane medicoâ ⠻â mediconzolo (pejorative connotation)doctorâ ⠻â quack For the addition - iciattolo see underneath. - otto: contadinoâ ⠻â contadinottofarmer, peasantâ ⠻â poorly taught comrade pienoâ ⠻â pienottofull, stuffed, overflowing withâ ⠻â pot-bellied giovaneâ ⠻â giovanottoyoungsterâ ⠻â young man, single guy ragazzoâ ⠻â ragazzottoboyâ ⠻â sturdy kid bassoâ ⠻â bassottolow, shortâ ⠻â squat Can indicate a youthful creature: aquilaâ ⠻â aquilottoeagleâ ⠻â eaglet lepreâ ⠻â leprottohareâ ⠻â baby rabbit passeroâ ⠻â passerottosparrowâ ⠻â young sparrow - acchiotto (can be a minor or affectionate nickname): lupoâ ⠻â lupacchiottowolfâ ⠻â wolf offspring orsoâ ⠻â orsacchiottobearâ ⠻â bear offspring, teddy bear volpeâ ⠻â volpacchiottofoxâ ⠻â fox offspring, wily individual furboâ ⠻â furbacchiottosly, crafty, keen, canny, cleverâ ⠻â cunning individual (wily old fox) - iciattolo (can be a minor or affectionate nickname): febbreâ ⠻â febbriciattolafeverâ ⠻â slight fever fiumeâ ⠻â fiumiciattoloriverâ ⠻â stream libroâ ⠻â libriciattolobookâ ⠻â small book mostroâ ⠻â mostriciattolomonsterâ ⠻â little beast

Bai Tap Essay Example

Bai Tap Essay Educator Anu Vuorikoski Bus 173A Intermediate Financial Management Chapter 8: scaled down case a. For what reason are proportions valuable? What are the five significant classes of proportions? Proportions are valuable to assess a firm’s budget reports and one can likewise contrast their exhibition and different firms, or the business normal. The five significant classifications for proportions are: I. Liquidity Ratios: quantifies the liquidity of the firm’s current advantages for their present liabilities (or commitments to loan bosses). ii. Resource Management Ratios: quantifies how successfully the firm is taking care of and dealing with their benefits. ii. Obligation Management Ratios: measure their obligation financing, or money related influence; what amount is the firm relied upon obligation. iv. Benefit Ratios: these proportions exhibit the impacts of liquidity, resource the executives, and obligation consolidated together on working outcomes. v. Market Value Ra tios: these are proportions that help directors realize what speculators think about the company’s past execution and future possibilities. b. Compute the 2007 present and speedy proportions dependent on the anticipated accounting report and pay proclamation information. What would you be able to state about the company’s liquidity position in 2005, 2006, and as anticipated for 2007? We frequently consider proportions being valuable (1) to supervisors to help maintain the business, (2) to investors for credit investigation, and (3) to investors for stock valuation. Would these various sorts of investigators have an equivalent enthusiasm for the liquidity proportions? Current Ratio = Current Assets/Current Liabilities Current Ratio = $2,680,112/$1,039,800 Current Ratio = 2. multiple times Quick Asset Ratio = (Current Assets †Inventory)/Current Liabilities Quick Asset Ratio = ($2,680,112 $1,716,480)/$1,039,800 Quick Asset Ratio = 0. multiple times The firm is has improved their in lessening their present liabilities and expanding their present resource; in any case, they are still underneath modern avg. | |2005 |2006 |2007E |Industrial Avg. | |Current Ratio |2. 3x |1. 5x |2. 58x |2. 7x | |Quick Acid Ratio |0. 8x |0. 5x |0. 93x |1. 0x | Table 1 †from minicase (pg 281) Not all sort of expert would have an equivalent enthusiasm for the liquidity proportions. For example, banks may be intrigued more than directors. In the event that they will loan the firm a few assets, they need to be certain they can be recuperated their capital quick incase the organizations fails. c. Ascertain the 2007 stock turnover, days deals exceptional (DSO), fixed resources turnover, and all out resources turnover. How does Computron’s usage of benefits stack facing that of different firms in its industry? Stock Turnover = Sales/Inventory Turnover = $7,035,600/$1,716,480 Inventory Turnover = 4. multiple times Industry turn over is 6. multiple times while the organizations stock turnover is 4. 10. We will compose a custom paper test on Bai Tap explicitly for you for just $16.38 $13.9/page Request now We will compose a custom paper test on Bai Tap explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer We will compose a custom article test on Bai Tap explicitly for you FOR ONLY $16.38 $13.9/page Recruit Writer The firm’s stock is being put away longer than the business normal; consequently it is occupying room, which is costing them cash. They have to improve their stock administration framework. Days Sales Outstanding = Receivables/(Annual Sales/365) Days Sales Outstanding = $878,000/($7,035,600/365) Days Sales Outstanding = 45. 55 Industry DSO is 32 days while the firm’s DSO is 45. 55 days to gather cash from deals (or gather cash from their records receivable). On the off chance that they have a 30 days term, they are not doing to a great job and should change or authorize new arrangements. Fixed Assets Turnover = Sales/Fixed Assets Fixed Assets Turnover = $7,035,600/$836,840 Fixed Assets Turnover = 8. multiple times The business fixed resource turnover is multiple times while the firm’s is relied upon to be a smidgen more than 8. 41. Which means, they are being more productive than the business normal in utilizing their advantages for create deals. All out Assets Turnover = Sales/Total Assets Turnover Total Assets Turnover = $7,035,600/$3,516,952 Total Assets Turnover = 2. multiple times The business all out resource turnover is 2. multiple times while the firm’s is required to be a 2. multiple times. The firm is underneath the business normal due the expansion in inventories and records receivables. d. Compute the 2007 obligation, times-premium earned, and EBITDA inclusion proportions. How does Computron contrast with the business with deference with budgetary influence? What would you be able to close from these proportions? Obligation Ratio = all out liabilities/all out resources Debt Ratio = $ 1,539,800/$3,516,952 Debt Ratio = 0. 44 = 44% The business normal is half, which implies loan bosses have provided (half) of their financing. The firm’s obligation proportion is lower than the business normal, 44%, which is a decent sign. They should attempt to limit it more or not let it increment. Times-Interest-Earned (TIE) = EBIT/Interest Charges TIE = $502,640/$80,000 TIE = 6. multiple times The business and the firm’s TIE are nearly the equivalent (firm’s is 6. 28 and the business normal is 6. 2). They are both covering interest charges on their obligation in a similar time span. EBITDA Coverage proportion = (EBIT + Depr. + Amort. + Lease installments)/(Interest + Lease installments) EBITDA Coverage Ratio = ($502,640 + $120,000)/($80,000 + $40,000+0) EBITDA Coverage Ratio = 5. multiple times e. Compute the 2007 net revenue, essential acquiring power (BEP), return on resources (ROA), and profit for value (ROE). What would you be able to state about these proportions? Net revenue = Net Income/Sales PM = $253,548/$7,035,600 PM = 3. 6% | |2005 |2006 |2007E |Industrial Avg. | |Profit Margin |2. 6% |-1. 6% |3. 6% |3. 6% | Table 2 †from minicase (pg 281) The firm did frightful in 2006, yet it’s now meeting the mechanical normal. Fundamental Earning Power = EBIT/Total Assets BEP = $502,640/$3,516,952 BEP = 0. 142 = 14% | |2005 |2006 |2007E |Industrial Avg. | |Basic Earning Power |14. 2% |0. 6% |14% |17. 8% | Table 3 †from minicase (pg 281) Basic Earning Power dispenses with the impact of expenses and money related influence. The anticipated is underneath normal contrasted with the modern normal. Profit for Total Assets = ROA = Net Income/Total Assets ROA = $253,548/$3,516,952 ROA = 7. 2% ROA is brought down by debtinterest cost brings down overall gain, which likewise brings down ROA. |2005 |2006 |2007E |Industrial Avg. | |ROA |6. 0% |-3. 3% |7. 2% |9% | Table 4 †from minicase (pg 281) Return on Common Equity = ROE = Net Income/Common Equity ROE = $253,548/$1,977,152 ROE = 12. 8% The utilization of obligation brings down value, and if value is brought down more than total compensation, ROE would increment. | |2005 |2006 |2007E |Industrial Avg. | |ROE |13. 3% |-17. 1% |12. % |17. 9% | Table 5 †from minicase (pg 281) f. Compute the 2007 value/income proportion, value /income proportion, and market/book proportion. Do these proportions show that speculators are relied upon to have a high or low assessment of the organization? Value/Earning Ratio = Price per share/Earning per Share Earnings per Share = Income/Number of exceptional offers P/E proportion = $12. 17/($253,548/$250,000) P/E proportion = 11. 99x = 12x | |2005 |2006 |2007E |Industrial Avg. | |P/E proportion |9. x |-6. 3x |12x |16. 2x | Table 6 †from minicase (pg 281) Price/Cash Flow Ratio = Price per Share/Cash Flow per Share Cash Flow per Share = (Net Income + Depr. )/Shares Outstanding Price/Cash Flow Ratio = $12. 17/(($253,548+$120,000)/250,000) Price/Cash Flow Ratio = $12. 17/(($373,548)/250,000) Price/Cash Flow Ratio = $12. 17/$1. 494192 Price/Cash Flow Ratio = 8. 15x | |2005 |2006 |2007E |Industrial Avg. | |Price/Cash Flow Ratio |8. x |27. 5x |8. 15x |7. 6x | Table 7 †from minicase (pg 281) Market/Book Ratio first Book Value per Share = Common Equity/Shares Outstanding Book Value per Share = $1,977,152/250,000 Book Value for every Share = $7. 91 second Market/Book proportion = Market Price per Share/Book Value per Share M/B proportion = $12. 17/$7. 91 M/B proportion = 1. 54 x | |2005 |2006 |2007E |Industrial Avg. | |Market/Book proportion |1. 3x |1. 1x |1. 54x |2. x | Table 8 †from minicase (pg 281) The cost procuring proportion is still beneath modern normal. The firm is viewed as more dangero us. Notwithstanding, financial specialists are happy to pay a more for the assessed multi year than they accomplished for the time of 2006. They do anticipate both income and procuring to develop. g. Play out a typical size examination and percent change investigation. What do these investigations educate you regarding Computron? Basic Size investigation for Income Statement (86. 7) than industry (84. 5), however higher different costs. Result is that net, net the organization has comparative EBIT % (7. 1) as industry. To build EBIT and primary concern to make investor riches (by expanding NOPAT), organization needs to reduce expenses or develop costs more slow than deals [pic] Common Size investigation for Balance Sheet The firm has higher extent of stock and current resources than Industry. The firm presently has more value than the business normal. The firm has more momentary obligation than industry, however less long haul obligation than industry. [pic] Common Size investigation for Balance Sheet (cont. ) [pic] Percent Change Analysis for Income Statement Sales became 105% from 2004, and Net Income became 188% from 2004. pic] h. Utilize the all-inclusive Du Pont condition to give a rundown and review of Computron’s money related condition as anticipated for 2007. What are the firm’s qualities and shortcomings? Expanded Du Pont Equation = ROE = (Net Income/Sales) x (Sales/Total Assets) x (Total Assets/Common Equity) = ($253,548/$7,035,600) x ($7,035,600/$3,516,952) x ($3,516,952/$ 1,977,152) = 0. 036038 x 2. 000482 x 1. 778797 = 0. 128239 OR = Net Income/Comment Equity = 0. 128239 I. What are some potential issues and constraints of budgetary proportion examinations? Normal execution isn't the best position a firm woul

Culture and Hipster Central Dogma Essay Example for Free

Culture and Hipster Central Dogma Essay Fashionable person is a subculture of youthful (15 25), urban white collar class grown-ups and more established adolescents that showed up in the 1990s.The subculture is related with non-standard way of life. They esteem free reasoning, dynamic governmental issues, imagination, knowledge and non-standard design reasonableness. The majority of them can be discovered living in the large urban areas like New York, Chicago, and San Francisco. Additionally hipsterism is regularly interwoven with unmistakable style sensibilities .Hipsters dismiss the socially oblivious mentalities of standard shoppers, and are frequently be seen wearing vintage, tight pants, old-school tennis shoes, and frequently thick rimmed glasses. People fashionable people have comparative hermaphroditic haircuts that incorporate blends of filthy shag trims and unbalanced side-cleared blasts. Such styles are crafted by inventive beauticians at urban salons, and are generally not standard. Regardless of the misguided judgment made ​​on the outer picture, trendy people will in general be knowledgeable in sciences, which require certain imaginative explanatory reasoning capacities. This prompts the way that they end up in imaginative works, for example, music, craftsmanship, and style ventures. It is a fantasy that most fashionable people are jobless and live off of their folks trust reserves. Trendy people avoid standard, It is a piece of the fashionable person focal authoritative opinion not to be affected by standard promoting and media. This is watches out for just advance ethnocentric goals of excellence, the ideas of bisexuality and woman's rights have impacted fashionable person culture, where trendy person men are regularly as slim as the ladies they date. Ladies see the strong, athletic and other male standards as images of their persecution, sexism, and sexism. In like manner, socially lifeless sorority-type young ladies with counterfeit light hair, excessively tanned skin, and Britney Spears tube-tops are not seen as appealing by refined fashionable person guys who rather consider them to be images of female instability, low confidence, and absence of social knowledge and autonomous reasoning. In like manner, young ladies with counterfeit fair hair and excessively tanned skin are not seen as appealing by refined fashionable person guys who rather consider them to be images of female instability, low confidence, and absence of social knowledge and autonomous reasoning. There are numerous interracial couples in fashionable person subculture since they are racially liberal. In spite of the fact that fashionable people are traditionalists inside their own subculture, in contrast with the a lot bigger standard mass they are pioneers most recent social patterns and beliefs. For instance numerous groups have gotten fruitful and known to standard crowds simply because trendy people initially found and tuned in to them as early-adopters of new culture. When certain ideas of style and music have arrived at standard crowds, trendy people proceed onward to something better than ever. When something from style and music have arrived at standard crowds, fashionable people proceed onward to something new. On account of the ascent of different online photograph blog and long range informal communication destinations, experiences into urban fashionable person culture is contacting shielded rural crowds at an exponential rate. Social standards have been deconstructed by trendy person culture all in all.

Ivy League Companies

Ivy League Companies March 10, 2013 Weve decided to make this week a week in which we focus on successful Ivy League companies. Ivy League companies, as defined for the purpose of this post, are startups founded by Ivy League graduates. A Princeton University professor of politics and international affairs, Anne-Marie Slaughter, once asserted that the innovators and entrepreneurs who will shape the future of the United States arent in her Ivy League classroom. We strongly beg to differ and have made a point over the last couple of years on our blog to highlight these very innovators from the Ivy League who defy her erroneous assertion. Her assertion was based on anecdotal evidence so we take great pleasure in countering her point with anecdotal evidence of our own. Even big-time startup founders like Quantified Impressions Noah Zandan can sport cool shades. Noah Zandan, a 2005 graduate of Dartmouth College and a Northwestern MBA, is an excellent counterpoint to Professor Slaughters claim. Zandan founded Quantified Impressions, an Austin, Texas-based startup that helps people become world-class communicators through the power of analytics. Through their pioneering analytics and personalized performance feedback, companies hire Quantified Impressions to help make their employees more effective verbal and nonverbal communicators. As you probably know if youre a regular reader of our blog on college admissions, we are big fans of analyzing nonverbal behavior and weve given quite a few tips to students on how to improve their nonverbal communications in college interviews. So, needless to say, we think that Quantified Impressions is offering businesses quite a lot of value. Zandans company has been a staple in the press of late, garnering attention from ABC News, Yahoo Finance, and many other outlets on topics ranging from the nonverbal communication of Obama and Romney in the presidential debates to what your body is really saying in its nonverbal communications on your Valentines Day date. We offer our congratulations to Noah, a former Big Green swimmer and a close friend of the son of the Founder of Ivy Coach, on the success of his company. May his entrepreneurship be an example for all twenty-somethings looking to carve out their American success story.

Are U.s. Savings Bonds Still an Effective Way to Save for College

Back in the dark ages before smartphones, Netflix and Facebook, U.S. Savings Bonds were the vehicle of choice for many families saving for college. Why? Well, for starters they offer guaranteed interest if held to maturity. And thanks to the Education Savings Bond Program, Series EE and I bonds purchased after 1989 by someone age 24 or older may be redeemed tax-free when the proceeds are used to pay for higher education expenses. This includes contributions to Coverdell Education Savings Accounts and 529 plans. So whatï ¿ ½s changed? Many families and financial professionals are realizing that 529 college savings plans might have more to offer. In 2006, the coveted federal tax benefits of 529 plans became permanent and they have been growing in popularity ever since. Today, there are over 100 different plans available that offer a variety of investment options. In most cases, a 529 plan is the best choice for college savings, but do U.S. Savings Bonds ever still make sense? Here are some things to consider: Your household income The tax exclusion on Series EE and I savings bonds is phased out for individuals with a modified adjusted income (MAGI) between $76,000 and $91,000 ($113,950 and $143,950 for married couples filing jointly). That means if your MAGI is higher than $76,000 you will have to pay taxes on part of the interest earned, and if you make more than $91,000 you wonï ¿ ½t qualify for any tax break. 529 plans, on the other hand, offer tax-free earnings growth and tax-free withdrawals for families of all income levels who use the funds to pay for college. Some states also offer additional tax benefits for residents. Find out more about 529 plans in your state Maturity dates Have you been holding on to savings bonds for as long as you can remember? Series EE savings bonds generally stop paying interest after 30 years. That means if your bond was purchased before 1985 thereï ¿ ½s really no additional benefit to keeping it. But most parents saving for college today wouldnï ¿ ½t have a bond that old ï ¿ ½ so what should they do? Well, that all depends on the bondï ¿ ½s interest rate. Interest rates The amount of interest your bonds earn depends on when they were purchased. Families who purchased savings bonds issued between May 2006 and November 2006 are enjoying a 3.7 percent guaranteed interest rate. However, rates have been much lower in recent years. Itï ¿ ½s a good idea to compare your bondï ¿ ½s interest rate with the potential return you would receive from a 529 plan. In todayï ¿ ½s low interest rate environment, the 529 plan return will likely come out ahead. Top performing 529 plans Financial aid To be eligible for the tax breaks on Series EE and I bonds, the proceeds must be spent on college related expenses for the bond owner, their spouse or their dependent. The bonds are considered an asset on the Free Application for Federal Student Aid (FAFSA), but their value can have a very different affect on the studentï ¿ ½s eligibility for aid depending on the owner. If the parent owns the bond, it will be considered a parental asset when calculating the Expected Family Contribution (EFC) and can reduce the amount of aid you are eligible for by a maximum of 5.64 percent of itï ¿ ½s value. However, if the student owns the bond, its value will be assessed at 20 percent. That means if you have bonds in your childï ¿ ½s name worth $10,000, the amount of aid they are eligible for will be reduced by $2,000, but if the bond is in your name the maximum impact is only $564. Funds saved in a parent- or student-owned 529 plan, however, are always counted as parental assets on the FAFSA. If the student was at least 24 years old when the bond was purchased, you can redeem it tax-free and deposit the proceeds into a 529 plan to take advantage of the more favorable financial aid treatment. Savings bonds arenï ¿ ½t the only low-risk option When you save with a 529 plan, your money is invested into mutual funds or other similar investments. When you enroll in a plan, youï ¿ ½ll have to select your investment option based on your appetite for risk. Some plans offer low-risk FDIC-Insured options, where the investments are backed by the full faith and credit of the U.S government up to certain limits in the event of a bank failure. If youï ¿ ½re thinking about moving your college savings from savings bonds to a 529 plan but are worried about the added risk, a plan that offers FDIC-insured options might be a good fit. 12 states offering FDIC-insured 529 plan options Back in the dark ages before smartphones, Netflix and Facebook, U.S. Savings Bonds were the vehicle of choice for many families saving for college. Why? Well, for starters they offer guaranteed interest if held to maturity. And thanks to the Education Savings Bond Program, Series EE and I bonds purchased after 1989 by someone age 24 or older may be redeemed tax-free when the proceeds are used to pay for higher education expenses. This includes contributions to Coverdell Education Savings Accounts and 529 plans. So whatï ¿ ½s changed? Many families and financial professionals are realizing that 529 college savings plans might have more to offer. In 2006, the coveted federal tax benefits of 529 plans became permanent and they have been growing in popularity ever since. Today, there are over 100 different plans available that offer a variety of investment options. In most cases, a 529 plan is the best choice for college savings, but do U.S. Savings Bonds ever still make sense? Here are some things to consider: Your household income The tax exclusion on Series EE and I savings bonds is phased out for individuals with a modified adjusted income (MAGI) between $76,000 and $91,000 ($113,950 and $143,950 for married couples filing jointly). That means if your MAGI is higher than $76,000 you will have to pay taxes on part of the interest earned, and if you make more than $91,000 you wonï ¿ ½t qualify for any tax break. 529 plans, on the other hand, offer tax-free earnings growth and tax-free withdrawals for families of all income levels who use the funds to pay for college. Some states also offer additional tax benefits for residents. Find out more about 529 plans in your state Maturity dates Have you been holding on to savings bonds for as long as you can remember? Series EE savings bonds generally stop paying interest after 30 years. That means if your bond was purchased before 1985 thereï ¿ ½s really no additional benefit to keeping it. But most parents saving for college today wouldnï ¿ ½t have a bond that old ï ¿ ½ so what should they do? Well, that all depends on the bondï ¿ ½s interest rate. Interest rates The amount of interest your bonds earn depends on when they were purchased. Families who purchased savings bonds issued between May 2006 and November 2006 are enjoying a 3.7 percent guaranteed interest rate. However, rates have been much lower in recent years. Itï ¿ ½s a good idea to compare your bondï ¿ ½s interest rate with the potential return you would receive from a 529 plan. In todayï ¿ ½s low interest rate environment, the 529 plan return will likely come out ahead. Top performing 529 plans Financial aid To be eligible for the tax breaks on Series EE and I bonds, the proceeds must be spent on college related expenses for the bond owner, their spouse or their dependent. The bonds are considered an asset on the Free Application for Federal Student Aid (FAFSA), but their value can have a very different affect on the studentï ¿ ½s eligibility for aid depending on the owner. If the parent owns the bond, it will be considered a parental asset when calculating the Expected Family Contribution (EFC) and can reduce the amount of aid you are eligible for by a maximum of 5.64 percent of itï ¿ ½s value. However, if the student owns the bond, its value will be assessed at 20 percent. That means if you have bonds in your childï ¿ ½s name worth $10,000, the amount of aid they are eligible for will be reduced by $2,000, but if the bond is in your name the maximum impact is only $564. Funds saved in a parent- or student-owned 529 plan, however, are always counted as parental assets on the FAFSA. If the student was at least 24 years old when the bond was purchased, you can redeem it tax-free and deposit the proceeds into a 529 plan to take advantage of the more favorable financial aid treatment. Savings bonds arenï ¿ ½t the only low-risk option When you save with a 529 plan, your money is invested into mutual funds or other similar investments. When you enroll in a plan, youï ¿ ½ll have to select your investment option based on your appetite for risk. Some plans offer low-risk FDIC-Insured options, where the investments are backed by the full faith and credit of the U.S government up to certain limits in the event of a bank failure. If youï ¿ ½re thinking about moving your college savings from savings bonds to a 529 plan but are worried about the added risk, a plan that offers FDIC-insured options might be a good fit. 12 states offering FDIC-insured 529 plan options

Sally Brampton s Life Fighting The Demons Of Depression...

â€Å"Killing oneself is, anyway, a misnomer. We don t kill ourselves. We are simply defeated by the long, hard struggle to stay alive. When somebody dies after a long illness, people are apt to say, with a note of approval, He fought so hard. And they are inclined to think, about a suicide, that no fight was involved, that somebody simply gave up. This is quite wrong.† When Sally Brampton quoted this she was going through a rough patch in her life fighting the demons of depression and alcoholism. Sometimes people will have ways to control those demons or even fight them, in regards to Sally a general understanding of her depression and alcoholism, along with the treatments that can be tried to help her out, and how you can perceive the illness when it doesn’t regard to yourself. Sally Brampton was a successful magazine editor and prize-winning journalist, In 1985 she launched Elle magazine in the UK, but all of that was just a cover up with a glamorous career. Nobody knew how awful things had gotten for her. Understanding depression varies from person to person. One person may understand it and know what’s going on, while another person will totally be lost and believe that you are making everything up. While reading the book one particular quote stuck out to me, it helped me understand depression more than I ever have (â€Å"Sometimes, says a fellow depressive, I wish I was in a full body cast, with every bone in my body broken. That s how I feel anyway. Then, maybe,