Thursday, January 30, 2020
TurboTax and TaxCut Essay Example for Free
TurboTax and TaxCut Essay This article focuses on what individuals and families must consider when making financial decisions and plans to buy long-term care insurance. As people get older they have to plan for and make decisions about how to pay for nursing home care. If insurance in general provides protection against financial disasters, then long-term care insurance protects against medical disasters that cause financial hardship. Insurance in general pays for unexpected expenses that a person normally cannot pay for. Long-term care insurance pays for an unexpected illness and nursing home care that a family cannot cover through savings, income, and other insurance. The most important consideration in buying long-term care insurance is; how long will the policy pay benefits. Most policies are set up to pay for three to four years in a nursing home. This is based on the idea that most people only need three to four years of care. The problem is that benefits will not continue if nursing home care is required beyond the three to four year period. There are also situations where a person will stay in a nursing home for as many as 10 years. In that case, a longer term policy with reduced benefits may be advisable. In other words, the recipient will get a smaller dollar benefit for a longer period of time. This will give families some relief in covering continuing expenses. Other options include buying a policy with up to a two year waiting period. Nursing home payments would be delayed, but extend over a longer period of time. The final option is for married couples to buy a joint policy. A joint long-term care policy would provide a fixed amount of money that either spouse could draw from to pay for nursing home care. This coverage would be limited by dollar amount instead of by time. This would allow either spouse to use benefits for short or long term care as long as funds are available. â€Å"And the Best Tax-preparation Program Is †This article discusses the best tax planning and preparation tools for various situations. Financial planning tools now include computer software and the internet. Tax payers have more do-it-yourself options than in the past and must weigh these options against using a paid professional preparer. Tom Herman states that at minimum a taxpayer must consider their opinion of whether a paid preparer would work better, their own computer skills and knowledge of IRS rules, and how complex their return could end up being. Other situations to consider are potential life changes such as having children or getting married or divorced during the tax year. Wealthier tax payers whose incomes come from investment, sports and entertainment industries may have to file multiple returns or have income from multiple sources. When a tax payer needs advice and help with tax planning for the future a professional preparer, such as a CPA or enrolled agent, is preferable. There are two ways to obtain tax filing programs, and two types of services that individual taxpayers can use. Taxpayers can purchase software programs in a retail store, or download them from the internet. Internet downloads or online use programs are either paid programs, or there are some free programs available. Tom Herman points out that 70% of tax payers are eligible for the Free File service through the IRS website. Free File is available when the adjusted gross income is $54,000 or less. TaxACT and TurboTax also offer free software for very simple federal returns. Herman purchased and compared TurboTax and TaxCut software programs. TurboTax appeared to have the edge on importing and tracking important tax records and on making sense of the stimulus plan payments. Tax software is a good way to check the work of a paid preparer as well as a good
Wednesday, January 22, 2020
american lit Essay -- essays research papers
When did American Literature begin?      -with the Native Americans Three dominant characteristics/themes of Native American Literature?      1. Relationship with the land      2. Belief in the Great Manito      3. Use of natural images How did Columbus describe the New World?      -astonishing, colorful, marvelous speed of the canoes, a paradise Identify:      -Bay Psalm Book: first book published in America      -manito: spiritual forces      -Walum Olum: painted record      -allusion: reference to something      -concrete language: short, forceful, cleaner      -conceit: controlling image      -analogy: comparison      -simile: direct comparison using like or as      -metaphor: saying it is something its not      -antonyms: two opposite words      -irony: opposite of what's supposed to happen      -sarcasm: low form of irony      -Great Awakening: fervent revival of religious dedication      -pictographs: word pictures Compare and contrast the literature of Puritans and the southern colonies.      -Puritans: simple, religious, practical, examining of spiritual selves, communicated ideas clearly, explained Biblical interpretation      -Southerners: flashy, flowery, ornate, complicated, decorative What is the purpose of ‘A Description of New England?' How does the author go about meeting this purpose?      -to get people to move to New England; exaggerates the good, doesn't mention the bad What does TULIP stand for? Explain each point.      -Total Depravity/inability      -Unconditional election/selection      -Limited Atonement      -Irresistible grace      -Perseverance/preservation for the saints Identify the conceit of ‘In Reference to Her Children' and ‘Huswifery'    &nb... ...ial encounter with the Devil, wife's involvement, terms of tom's deal, occupation, Tom's fate. Translate Thanatopsis. Summarize Bryant's thanatopsis.      -‘view of death,' Bryant's view was deaath is one with nature, be with other great people who have gone before, etc. Define:      -meter: regular rhythm in poetry, unit of meter      -foot of poetry: stressed/unstressed syllables/ one stressed two unstressed syllables How is the Black Cat an example of Romantic Literature?      -focus on self and individual, fascination with the supernatural, gothic Compare and contrast the following views on the dark side of humanity:      -Death Instinct/Spirit o Perverseness: Freud and Poe–dark side is constantly present      -Sinful Nature: Christianity–there is a way out According to Montressor, what are the two requirements of meaningful revenge?      -can't be consumed by it, once you've taken your revenge, drop it      -don't let the person know you're upset with them and seeking revenge
Tuesday, January 14, 2020
American Indians and Freedom Essay
American Indians have striven for freedom ceaselessly since the colonization in 1800s. But for different American Indians, the definitions of freedom vary a lot. For the chief Seattle, the writer of AUTHENTIC TEXT OF CHIEF SEATTLE’S TREATY ORATION 1854, the freedom means the rights to live with the nature harmoniously and to keep their religion and traditions. For Carlos Montezuma, the writer of Let My People Go, the definition of freedom is very absolute and stems from political rights. His freedom means the rights of managing the stuffs of American Indians totally without the control of white man. From my point of view, the definition of freedom to American Indians is more close to its political definition because the rights of protecting the holy nature will not be given if they lose the political rights. But I argue that the real freedom does not mean the absolute free. Moreover, the chief Seattle and Carlos Montezuma differ in the issue about whether American Indians should accept the management of colonists. For the chief Seattle, he thinks him and his people can accept the management of colonists on the condition that the colonists will not destroy their holy nature. For Carlos Montezuma, he asks the colonists not to interfere the issue of American Indians because the corrupt management of the colonists. I think that American Indians can accept the management of the colonists if they can own enough political rights. The best way is to contend for a democracy system and government for American Indians rather than just asking for leaving the control of the colonists. It is obvious that the two writers own quite different understandings when they face with the same wordâ€â€freedom, as I mentioned at the beginning. The writer of AUTHENTIC TEXT OF CHIEF SEATTLE’S TREATY ORATION 1854 shows deep love to his ancestors and the things his ancestors leave for them. He uses â€Å"sacred†to describe its ancestors and â€Å"hallowed ground†, â€Å"verdant valleys†, â€Å"murmuring rivers†and so on to describe his living environment. Also, the writer thinks that their religion is â€Å"the Great Spirit†and gives them in â€Å"solemn hours of the night. †Yet, in the perspectives of these American Indians, the colonists refuse to accept and respect the holy nature and ancestors of Africa Americans. The writer writes, â€Å"Your God is not our God! Your God loves your people and hates mine! †The quote indicates that American Indians in Seattle fear deeply that the colonial rule will ruin their living environment, religion and traditions. Hence, for the writer, their freedom means the respect of their culture. Nevertheless, Carlos Montezuma, the writer of â€Å"Let My People Go†, asks for totally different freedom. He writes, â€Å"The Indian Bureau is the only obstacle that stands in the way that hinders our people’s freedom. †, â€Å"†¦when the Indians will need the most help in this world , †¦ the Indian. Bureau will cease to exist†¦Ã¢â‚¬ and â€Å"the Indian employees in the Indian Service; their personality is destroyed†¦they have nothing to say. †These quote express the strong willing of American Indians to escape from the control of White Americans because of the corruption of Indian Bureau. So, the definition of freedom to Carlos Montezuma is the rights to express their own willing and achieve more political rights. I quite agree with Carlos Montezuma because he wants to ask for more political rights. Even if the Big Chief at Washington promised that the new colonists will respect the culture of the American Indians in Seattle, he can easily renege on the promise without the political rights or the protection of the law. On the other hand, the chief Seattle and Carlos Montezuma own different attitudes towards the issue about the management of white American. Carlos Montezuma hastily wants to abolish the Indian Bureau system rather than improve the system. Carlos Montezuma writes, â€Å"The Indian Bureau system is wrong. The only way to adjust wrong is to abolish it, and the only reform is to let my people go. †The quote expresses the urgent willing of Carlos Montezuma to stop the run of the wrong system. He owns the opinion to escape the control of White Americans. However, I think that American Indians can accept the management of colonists only if the colonists launch laws to protect the American Indians and give them enough political rights. The opinion of stopping the run of the system is too arbitrary and naive. It is highly possible that a ruder way to manage the American Indians created after the abolition of the old system. Carlos Montezuma cannot accept the management of White Americans at all. But the chief Seattle’s requirements related to the acceptance of the White Americans’ management perhaps is without much consideration. The chief Seattle writes, â€Å"But should we accept it, I here and now make this condition that we will not be denied the privilege without molestation of visiting at any time the tombs of our ancestors, friends, and children. †The quote has implication that the chief Seattle will accept the colonial rule on the condition that the colonists will not hurt their ancestors, friends and children. And in the same paragraph, the writer emphasizes the importance to protect their holly hillsides, valleys, plains and so on again. I argue that his thoughts and requirements are too premature and primitive. These are the basic rights for human beings. Even these rights are promised to give these American Indiana, they are still far away from freedom, as I regard it. Therefore, the real freedom cannot be achieved either by abolishing a wrong system and totally losing control or by asking for so limited rights and show kindness or obedience to the colonists. Of course, freedom definitely is not what the Chief Seattle thinks. He views freedom as the rights on the foundation of compromise and only asks for poor limited rights. Besides, for me, freedom also is not absolute like Carlos Montezuma thinks. It does not mean you can do what you want without others’ management and totally losing control. Freedom means you can own all the proper political rights under the protection of an impartial system or laws. The most significant issue for the real freedom is to create a right system or laws to protect the rights legally for these American Indians. No matter the chief Seattle or Carlos Montezuma, they both lack in the consciousness to create a right system or laws to protect themselves. If this kind of thing can be done, the existence of India Bureau or the colonial rule of White Americans does not matter to them at all. For this reason, it is so vital for American Indians and also other races to force the society to create a more and more impartial system ceaselessly. Works Cited Carlos Montezuma, â€Å"Let My People Go†: An Address delivered at the conference of the Society of American Indians in Lawrence, Kansas, N. p : n. p ,1915 Dr. Henry A. Smith, AUTHENTIC TEXT OF CHIEF SEATTLE’S TREATY ORATION 1854, N. p : n. p ,1887.
Monday, January 6, 2020
Caffeine and Reaction Time - 1286 Words
Daniel Kim 12-3-12 HBS, period 1 Reaction time experiment Caffeine and Reaction Time 1) Identify the Problem or Question How does the consumption of caffeine affect the reaction time of the nervous system? 2) Introduction Purpose of the experiment: To identify the whether or not caffeine increases or decreases the reaction time of the nervous system. In our experiment, we have decided to use all the â€Å"cases†which will test how fast a signal from our brain will be sent to our muscles in order to click the mouse when we see an object or directions on the screen. We know that the commonly used drug, caffeine, increases the heart rate, thus the increase in blood flow. The question in our experiment is, does the†¦show more content†¦When he consumed the 12 oz of coffee, his average reaction time decreased to 344+-60 milliseconds. It is quite apparent from the graphs that the average reaction time for every â€Å"case†for each test subject decreased when absorbing caffeine into their system. Test subjects also consumed the â€Å"right†amount of caffine, 160mg, which allowed the subject to shorten their reaction time, while the wrong dosage could impair it. We can also draw from the graphs the relation that the younger the test subjects are, the quicker their reaction time will be. Also, we can also conclude from the results that males tend to have a quicker reaction time than females (Daniel’s reaction times were faster than Jazmine’s, and Keon’s were faster than Mi’s). 8) State the conclusion The hypothesis was correct. The effects of caffeine shortened the reaction time in all of our test subjects. 9) Summary Paragraph The reason why we were able to correctly devise a hypothesis for the experiment was because of the prior knowledge we had of the drug, caffeine. Caffeine increases the heart rate, which allows for faster muscle contractions. Caffeine does not really affect the actual reaction of the nervous system, but rather the actual contractions of the muscles themselves. This known fact of caffeine is reflected in the experiment. It shortened the reaction time of our test subjects in everyShow MoreRelatedCaffeine versus No Caffeine781 Words  | 3 PagesCaffeine vs. No Caffeine Humans have used caffeine for the past hundred years to be active and get work done faster, but is caffeine really helping us do that? Caffeine has been demonstrated to improve reaction time, cognitive performances, and physical activities. Effect of caffeine has been studied in various research studies. Caffeine is used in many different activities to stay active or awake during the task. 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