Basics Of Mutual Funds :: essays research papers

In this report I decided to take advantage of an opportunity to get information on how best to invest money for my daughter’s college fund. The choices are between Mutual funds or an IRA. Thanks to the research I did for this I have made up my mind how best to invest my money.   Ã‚  Ã‚  Ã‚  Ã‚  My main research I did on the IRA is on the Internet through AOL. Through them I found out in a Traditional IRA’s you can contribute up to $2,000 per person per year tax free. In other words the $2,000 invested is deducted off your total income for that year. Yet when you retire and receive the money it is then taxed. Also in a Traditional IRA you cannot remove the money prior to retirement without being heavily penalized. In a Roth IRA you pay taxes on it the year that you invest the money. Though the Roth IRA does bring some benefits such as you can retrieve your money without being penalized as long as you opened your account over five years prior to withdrawal and your are at least 59.5 years old at time of withdrawal. Some exceptions are death, disability or first time purchase of a home. There is also an Educational IRA which you can contribute a maximum of $500 per year per child. This obviously is only good enough for a college education if you plan to invest in other places. On the AOL site I used it had a page where you enter in your date of birth and how much money you wish to contribute. I entered in both DOB-7/9/79 (approximately 46 years until retirement) and that I wish to contribute $2,000 a year. It then stated that with a Roth IRA I would have $1,058,685 and with a Traditional IRA I would have $1,036,239 (which I would have to still pay taxes on). Out of the two the obvious choice is the Roth IRA you pay taxes when you are working and have the extra money and it also has a higher turn over rate.   Ã‚  Ã‚  Ã‚  Ã‚  I then researched mutual funds. Mutual funds are a group of stocks together. It tends to be more stable then stocks since there is only one stock if it falls you’re out money, with a Mutual fund if one drops then the others generally tend to balance the loss out so you still tend to make money.

Gwen Harwood Relationships Throughout Poems Essay

Gwen Harwood’s poetry endures to engage readers through its poetic treatment of loss and consolation. Gwen Harwood’s seemingly ironic simultaneous examination of the personal and the universal is regarded as holding sufficient textual integrity that it has come to resonate with a broad audience and a number of critical perspectives. This is clearly evident within her poems ‘At Mornington’ and ‘A Valediction’, these specific texts have a main focus on motif that once innocence is lost it cannot be reclaimed, and it is only through appreciating the value of what we have lost that we can experience comfort and achieve growth. Gwen Harwood’s poetry explores the reality of human existence, utilising a number of personal experiences in order to impart meaning onto the responders. The poems, At Mornington and A Valediction, explore countless thematic concerns including the loss of childhood innocence, comprehending mortality and maturation of individuals. Utilising a regular variation of tense, between past and present, and her own personal relationships with others, Harwood’s poetry provokes an appreciation of the past, and reinforce themes, which highlights their universal significance. Within the beginning of the poem At Mornington, Harwood explores a childhood memory, at â€Å"the sea’s edge†, in order to highlight her apparent childhood strength in her naà ¯ve belief that she could defy nature by â€Å"walking on water/it’s only a matter of balance†, only to be saved by her father. This nativity is reinforced in the parable of the pumpkin, which grew upwards in â€Å"airy defiance of nature†. The biblical allusion with the attempt to walk on water reinforces the blind faith and innocence of the child which is contrasted to the personas self-awareness and acceptance of her own mortality, â€Å"at the time of life, when our bones begin to wear†. This childhood recollection can be deemed as the commencement of her acceptance of death; however it is only upon self-reflection on this experience as an adult that the persona can come to a complete acceptance of her own mortality, as portrayed in the simile â€Å"the peace of this day will shine/like the light on the face of the waters†. Similarly encompassing this experience is night owl, in which the child persona is blind to the nature of death, regarding herself â€Å"wisp-haired judge†¦the master of life and death†. Gwen Harwood’s poetry is steeped in romantic traditions and is underpinned by humanist concerns. Throughout Harwood’s poetry there is a continuing theme where human existence is  characterised by loss and consolation. Like At Mornington, A Valediction explores the importance of the balance between physical and spiritual love. Harwood explores the nature of both form of love and how each is needed to develop ultimate love. Harwood suggests that poetry can offer comfort and deepen the human understanding of life and love. This is portrayed through the use of sarcasm, rhetorical questions, direct speech, allusions, metaphors and imagery. This poem presents the basis on which the sorrow of physical separation can be transformed into joy this is evident within â€Å"my lover will come again to me, my body to its true end will give him joy† and depicts the emphatic tone and confidence in which her husband will return and is presented through future tense. This reflects on the interrelation between flesh and spirit in love and the necessary mix of the spiritual if love is to survive physical separation. Harwood’s A Valediction raises the idea that as humans we change and develop over time with a new sense of maturity and contentment with life. In this poem Harwood speaks about a farewell as she alludes to past poem by John Donne. However, she moves from a literal experience and memory to pensive reflection in order to create a contrast between the younger and older character. This is used by writing about movement from the past to the present and including its effect on the future. The varies of tense further highlights the changes over time as she focuses on the dualities of self and the universal emotions. In my thoughts, Harwood’s poetry engages readers through its poetic treatment of loss and consolation throughout relationships as well as its exploration of universal themes about human existence and processes of life. Harwood’s poetry validates the consoling influence of childhood experiences upon adult development evident in both At Mornington and A Valediction where they both explore one sense of loss and consolidation. Harwood cleverly includes personas with their own feelings and anxieties to outlook on the present and future and the power of memories held with past relationships. Relationships link within Harwood’s poetry as throughout life she experiences suffering and includes her personal voice and life within the story of her poem. In conclusion, Gwen Harwood deals with the constant relevant issues of loss and consolation by the enduring power of poetic treatment of age and youth. In my opinion, on the most profound of universal truths, there is no certainty in life and we must deal with events and situations as we encounter them.  Harwood’s poetry distinctly presents a slight difference throughout exploration of the relationship between age and youth, which has greatly shaped my own understanding of these specific effects. Her unique and personal manner allows the responder to not only form a deep empathy with her words, but also to critically consider one’s own life and experiences.

Mobile Technology And Its Effects On People - 1485 Words

This paper report the main focus is mobile technology. In this specific report mobile technology and its effects on people was discussed. The first portion of the report speaks of an article that supports the advancement of mobile technologies in their children’s lives and the second portion speaks of an article that believe mobile technology should have its limitation or banning it completely in children lives until they become teenagers or young adults. Throughout this paper the advantages and disadvantages of the two articles will be compared and contrast and in the end I will discuss and give my comments about the two. Introduction Mobile computing is where a device that has no bodily connection to a link or in other words wireless, has the ability transmission data such as a video or voice. Mobile computing is surrounded by the ideas of the telephones abilities to be free from a specific location, mobile hardware, and mobile software: also known as mobile application where computer programs were converted specially to meet the capabilities of a mobile device. Though mobile computing and mobile technology definitions are basically the same, in this report mobile technology define as portable technology will be the main focus. Common types of mobile devices are mobile phones, laptops, and tablet computers. Throughout this whole report, the advantages and disadvantages from these two articles about mobile technology and their effects on children and adult lives will beShow MoreRelatedThe Impact of Mobile Phones on Teenagers1244 Words   |  5 Pagesaged ten to thirteen own a mobile phone. It is therefore a neces sity to inform today s youth of the effects of owning a cellular phone. 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