Traditional Practice of Buddism in Asia Essay Example | Topics and Well Written Essays - 1500 words

Customary Practice of Buddism in Asia - Essay Example Proposal proclamation: The differentiation study demonstrates that Buddhism rehearsed by contemporary Americans and customary acts of Buddhism in Asia are diverse because of the distinction in the job of ladies in strict issues, contrast between text-based and reflection focused practice, distinction among conventional and reconsidered Buddhism, and social contrasts (unique references to American and Asian Buddhist practices). Buddhism rehearsed by contemporary Americans Buddhism rehearsed by contemporary Americans is a cross breed assortment of Chinese, Japanese, Tibetan, Cambodian, Thai and Burmese Buddhist customs. Seager clarified that â€Å"There are numerous types of American Buddhism and a wide range of Buddhist ceremonies, a large portion of which have their sources in Asia however are being transplanted and adjusted to the United States† (4). Moreover, exchange and business assumed a significant job in the spread of Buddhist practice in America. To be explicit, the Am erican vendor transport, in particular ‘The Empress of China’ expecting to grow exchange and business with China, arrived at Canton in the year 1784 and presented Buddhism in America. Likewise, the outsiders from China who happened to arrive at the territory of America in 1820s spread Buddhist practices in America. The World parliament of Religions (Chicago, 1893) profoundly affected the spread of Japanese Buddhism in America. Afterward, the convergence of Tibetan outsiders to America because of Chinese holocaust in Tibet presented Tibetan Buddhist practice in America. The shakiness in the Asian countries like Laos and Thailand brought about the huge scope migration of Asians to America. Plus, this brought about the presentation of Theravada custom of Buddhism in America. Along these lines, Buddhism rehearsed by contemporary Americans isn't inflexible however adaptable. To be explicit, the amalgamation of various Buddhist customs profoundly established in the Indian Bud dhism is the establishment of the Buddhist practices in contemporary America. This helped the American Buddhism to acknowledge the center components of American culture. Customary act of Buddhism in Asia The conventional act of Buddhism in Asia depends on Gautama Buddha’s lecturing. Inside this unique circumstance, Buddhism doesn't have confidence in the presence of the God. Rather, Buddhism broadcasts that one can achieve salvation or ‘moksha’ through intercession. The Buddhist way of thinking or the lessons of Gautama Buddha is the center part of the customary act of Buddhism in Asia. Moreover, the customary act of Buddhism in Asia can fuse distinctive social angles. To be explicit, the Indian Buddhism can be considered as an augmentation of Hinduism. For example, a large portion of the acts of Indian Buddhism are profoundly established in the acts of Hinduism. The main contrast is that Hinduism puts stock in the presence of God yet Buddhism disposes of the equ ivalent. Inside this unique circumstance, Buddhism acknowledged a few components of Hinduism and got mainstream past Indian setting. This trait of osmosis was useful for Buddhism to spread to the various pieces of Asia. Swearer clarified that â€Å"Buddhist priests in Southeast Asia have taken positions of authority in causes that have prompted both immediate and circuitous political consequences† (132). In China, Japan, Tibet and other Asian countries, Buddhism acknowledged

Forest Policy In Malaysia Essay Research Paper free essay sample

Timberland Policy In Malaysia Essay, Research Paper Malaysia is among the states in Southeast Asia which has encountered solitary financial developing and industrialisation in the past decennary. It is distant from everyone else in that its prosperity is non an outcome of following any one hypothetical record for advancement. Or maybe, Malaysia? s specialists distinguished its closures and looked to make a nation explicit hypothetical record of improvement fit to their requests for developing. A representation of this is the Malayan specialists? s expansion in fares of fabricated merchandise rather than focusing on common asset exchange products as proposed by the World Bank and International Monetary Fund. ( pg.6, HBS ) In contrast to its neighbor Singapore, Malaysia is honored with a bounty of normal assets. Despite the fact that its fares of regular asset exchange products have declined in ongoing mature ages for made merchandise ( pg. 6, HBS ) , Malaysia? s characteristic asset industry stays an of import bit of the state? s monetary and political agenda. Malaysia? s Forest Products Industry It is difficult to ignore the way that 60 % of Malaysia is secured with regular wood and that lumber creates more outside trade than some other characteristic asset in Malaysia. The Malayan specialists perceived the monetary strength of the woodland stock industry right off the bat in the decennary and continued to play a cardinal capacity in farther creating and propelling this curious segment of its financial framework through an awards framework and the support of downstream ventures. The Concession System conceded logging rights to private gatherings in return for eminences paid to the Malayan specialists ( pg. 11, HBS ) . Permitting logging awards to private gatherings other than permitted Malaysia? s specialists to deliver inclusion in the wood stocks industry while keeping an evaluation of command over the nations and unconventional use the timber could be logged for. This framework did non end up being extremely solid in the guardianships of private inclusion bunches in chase of expanded overall gains. With just 1,600 workers to police the lacking woods nations, the Sarawak Forest Department thought that it was difficult to thwart unlawful logging ( pg. 12, HBS ) . Assurance of local markets from outside rivalry is a typical example among industrializing states. In the occasion of Malaysia? s wood stocks industry, the specialists empowered neighborhood creation of lumber, furniture, and other wood stocks through the restriction of sending out grungy logs. This was known as downstream enterprises. The consolation of downstream enterprises was another of import agenda for the Forestry Department of Peninsular Malaysia, a specialists development for the supervising of Malaysia? s wood stocks industry. # 8220 ; The idea that the forested areas could be utilized as a springboard for downstream incorporating, or? asset based industrialisation? spoke to numerous Malaysian authorities. # 8221 ; ( pg. 13, HBS ) To these functionaries, downstream incorporating took into account the work of a major for each centum of the market work power each piece great as a diminishing in the whole of wood expected to deliver occupations and fare grosss. ( pg. 13, HBS ) To farther empower downstream int! egration, the Malayan specialists allowed income upgrade interferences, appropriations, and different promptings to household producers. The Problem Creating ventures which manage the creation of normal asset stocks are extremely prone to be set in the worldwide spotlight by pulling ominous judgment from ecological gatherings around the universe. Such is the example for the Malayan specialists as clarified in the Harvard Business School occasion study in which Malaysian chief clergyman Mahathir receptacle Mohamad was confronted with media assessment sing his state? s timberland stock industry during a visit to the United States. Bing an express that is, as it were, subject to remote contributing for its financial developing, Malaysia could non bear to just negligence the horrible judgment its state gets from westerners whose investings they are attempting to maneuver into the state. The activity lies in varying situations in favor of western progressives and the Malayan specialists. Western Critics Despite the fact that Malaysia contains just 2 # 8211 ; 3 % of the universe? s tropical woods ( pg.3, HBS ) , the organic potencies and condition potencies found in its downpour timberlands are a reason for worry among western progressives. These environmenta records are fast to show out that as often as possible occasions, the open help of the earth is a long way from the leaders of those controlling a newly industrializing state trying to gain by its responsibility for characteristic assets. Orchestrating to the London Rainforest Movement and the Singaporean and Malaysian British Association, â€Å"the fast decimation of the Sarawak downpour woods implies that a colossally rich characteristic research lab with immense strength for the wellbeing of world will be obliterated FOR EVER.† ( pg. 3, HBS ) Where a traditionalist may see the clinical and ecological estimations of an actual existence wood, the Malayan specialists sees an exchange decent ideal for outside trade and financial developing. The traditionalists other than blame the Malayan experts for pardoning Acts of the Apostless, for example, timberland # 8220 ; mining # 8221 ; ( pg. 3, HBS ) in which the totals of timber collected surpass the developing of the staying wood, and mediation in the privileges of autochthonal individuals populating inside the forested areas. Fitting to western pundits, the most adequate way of making change in Malaysia? s wood stocks industry is begin an overall blacklist of Malayan wood stocks to which the Malayan specialists unequivocally restricted. The Malayan Government Regardless of the accusals from western traditionalists and pundits of improvement of Malaysia? s downpour timberlands, the state? s specialists demands they have taken significant stairss in guaranting the drawn out sparing of the forested areas through new procedures, innovative work, and the constitution of specific commissions and undertaking powers. Orchestrating to the Forest Research Institute of Malaysia ( FRIM ) , Malaysia is by and by inquiring about alternatives to customary logging methods, for example, chopper logging. The benefit of this strategy for logging is a decline in wood bother in light of the fact that the interest to manufacture streets is limited. This framework would other than limit soil dissolving which prompts deluging. The Forest Research Institute of Malaysia ( FRIM ) was set up to create rules for ranger service heading and biodiversity safeguarding. The National Forestry Policy 1978 ( modified 1992 ) was set up to # 8220 ; save and get off the backwoods through manageable bearing and keep its of import works in the national financial framework and sparing of natural stableness # 8221 ; ( WWW ) . This papers inside informations explicit procedures the Malayan specialists tries to achieve in ensuring its downpour timberlands. In any case, western moderates question the effectivity of such a good natured papers without the correct assets to execute them with. Potential Solutions It is difficult to follow and execute strategies reducing Malaysia? s use of its assets as a result of its significance of drawing out monetary developing and advancement as a newly industrializing state. From perusing the example review and looking into current data sing Malaysia? s wood strategy on the World Wide Web, there is no vulnerability that the Malayan specialists is mindful of the universal worry of its backwoods stocks industry. In late mature ages, the Malayan specialists has looked to enhance its enterprises. The accomplishment of Malaysia? s woods safeguarding approaches incredibly relies upon its capacity to win in expanding fares of grouped produced merchandise each piece great as pulling more noteworthy remote contributing. In the meantime, there are a few prospects the Malayan specialists can examine in changing over the worldwide network that its endeavors in ranger service are earnest. In footings of the award framework in the logging business, one chance is do it all the more difficult for private gatherings to acquire logging awards by holding the Malayan specialists request higher sovereignties consequently. The expansion in gross can so be diverted to help endeavors in patroling the downpour woods so as to prevent illicit logging designs. A first measure for both the Malayan specialists and western traditionalists is keep a discussion to talk significant issues of worry with each other rather than transfer disputes and horrible decisions through the global media. By keeping a gathering influencing the two delegates from the Malayan specialists and arranged ecological gatherings, the universal spotlight is quickly removed the accusals which would so let with the expectation of complimentary medicines towards an answer the two sides are happy with.

Touch Screen free essay sample

A touchscreen is a simple to utilize input gadget that permits clients to control PC programming and DVD video by contacting the showcase screen. A touch framework comprises of a touch Sensor that gets the touch input, a Controller, and a Driver. The touch screen sensor is a reasonable board that is intended to fit over a PC. At the point when a screen is contacted, the sensor identifies the voltage change and passes the sign to the touch screen controller. The controller that peruses makes an interpretation of the sensor contribution to a regular transport convention (Serial, USB) and a product driver which changes over the transport data to cursor activity just as giving frameworks utilities As the touch sensor lives between the client and the showcase while getting continuous physical contribution from the client vacuum stored straightforward conductors fill in as essential detecting component. Vacuum covered layers can represent a huge division of touch framework cost. We will compose a custom article test on Contact Screen or on the other hand any comparative theme explicitly for you Don't WasteYour Time Recruit WRITER Just 13.90/page Cost application parameters are boss rules for deciding the suitable kind deciding the framework selection.Primarily, the touch framework integrator must decide with what execute the client will contact the sensor with what [censored] the application will bolster. Applications requiring enactment by a gloved finger or self-assertive pointer, for example, a plastic pen will determine either a minimal effort resistive based sensor or a greater expense infra-red (IR) or surface acoustic wave (SAW) framework. Applications envisioning uncovered finger info or amiable to a fastened pen involves the tough quick capacitive touch frameworks. A higher [censored] tag by and large prompts expanded solidness better optical execution bigger [censored]. The most ordinarily utilized frameworks are commonly the capacitive resistive frameworks. Different advances utilized in this field are Infrared innovation SAW (surface acoustic wave innovation) these advances are most recent in this field yet are a lot of costly. How Does a Touchscreen Work? A fundamental touchscreen has three primary parts: a touch sensor, a controller, and a product driver. The touchscreen is an information gadget, so it should be joined with a presentation and a PC or other gadget to make a total touch input framework. I. TouchSensor

How Did Men Deal with the Stress of World War II Essay

The notable â€Å"thousand-yard stare†, a far away, unfocused look normal for officers who had surrendered to the injury of war by separating from it, rose with its name through the chilling photographs of fighters who were surpassed by these indications in the wake of World War II. It’s nothing unexpected that war negatively affects the mind of each one of those influenced by it. Given the ruthlessness and extent of World War II, which started just 21 years after World War II (a war that had just desolated the scene and individuals of Europe leaving high gauges of the loss of life at 65 million passings), regular folks and troopers the same were immersed in all out war. As Hitler and the Nazis’ belief system depended on â€Å"A War of Extermination† energized by a racial philosophy that looked for the ethnic purging and complete reengineering of the social populace of Europe, the enormous measure of Soviet warriors that died as they were tossed wave after wave so as to slow the Nazi war machine, and the general mercilessness that was clear in this war, fighters upon troopers became horrified by the idea of the war. As one fighter admits in The Italian Job, â€Å"After three months, it was demoralizing†¦ it was each night, consistently everyone was chasing Germans, everyone was out to kill anybody†¦ we was insane†¦ We became like creatures in the end†¦ Yes, much the same as rats†¦ It was far more awful than the desert. You were stuck in a similar spot. You had no place to go. You didn’t get no rest, as in the desert. No sleep†¦ You never expected to see its finish. You just overlooked why you were there† (Addison 208). Generally, the measure of exertion put into it and the lives yielded appeared to far exceed the advantages harvested from both; Gottlob Herbert Bidderman, a German officer that was available on the Eastern Front pondered â€Å"the inconsequentiality of twelve kilometers: twelve kilometersâ€in an interminable land, where solid fields extended to the skyline before us from dawn to dusk. I considered what number of progressively twelve-kilometer fights lay in front of us during our walk away from the setting sun† (Bidderman 23). In any case, such as anything that individuals are overexposed to, these men gradually became used to and desensitized to the trocities and detestations of the war. Individuals are normally versatile creatures and history has demonstrated on numerous occasions that they do what is required so as to endure. It is oversimplified to arrange every one of the countries and their armed forces as being uniform in their adapting to the war †because of the particular idea of a portion of the issues and arrangements that rose up out of having a place with that specific country, (for example, the Soviets delighting in their devotion and the religion like love of Stalin and the Nazis racial belief system being one that guaranteed in their psyche their triumph), yet numerous men, paying little mind to their alliance, took care of the war likewise. Some treated the time on these fronts as a since quite a while ago broadened workday, disassociating from the demonstrations they submitted and the sights they saw as just being a piece of a vocation. Others dismissed to their families from home †siblings and sisters, who through their normal encounters, agonies, and snapshots of expectation, stood together in solidarity. Others went to the base of a jug to facilitate the agony; while others turned rather upwards to a higher force, or in any event started to visit strict administrations. The individuals who were not ready to look so grandiosely went to their bosses and pioneers for direction and dauntlessness; while on account of the Soviet troopers, looked dreadfully in reverse as the higher-ups pushed them forward to their demise. Far away from home and under brutal conditions, food and other risked upon arrangements and products would frequently fill in as a best to moral. Because of the sheer expansiveness of stress epitomized in being an officer in any front during WWII, troopers managed the huge strain in shifting manners so as to keep flawless their humankind, or at any rate, keep their rational soundness with the goal that they could guarantee their endurance. There is an observation held by numerous optimistic, youngsters that war is a to some degree similar to a respectable campaign. Be that as it may, there is actually significantly more closely resembling, to as one German fighter put it â€Å"this is multiple times more regrettable than hell† (Grossman 151). A scene from the Italian Job subtleties this hellfire: â€Å"some (too much, awfully many) were conveyed in passing on, with net blends of broke appendages, projections of digestive organs and mind from extraordinary openings in their poor casings torn by 880millimetre shells, mortars and people killing bombs. Some lay tranquil and still, with legs drawn up †infiltrating injuries of the guts. Some were conveyed in sitting up on the cot, wheezing and hacking, shot through the lungs †¦ All were depleted in the wake of being under persistent shoot, and in the wake of lying in the mud for quite a long time and days† (Addison 208). Thus, as these optimistic ideas were lost, many went to survey the whole trial as an occupation. Having endured the war for quite a while, one trooper commented, â€Å"You’re battling for the skin in the line. At the point when I was enrolled I was enthusiastic as hellfire. There’s no energy in the line. A kid up there 60 days in the line is in peril each moment. He ain’t battling for patriotism† (Addison 210). Another fighter delighted in battling at first light as he felt that it was as though he was taking off to work at the processing plant. As opposed to intentionally thinking about the entirety of the repulsions that they were seeing regularly and concentrating on the way that they could bite the dust at any second, the idea of simply carrying out a responsibility gave a cover under which these men looked to keep up control of their humankind by isolating their minds from the horrifying condition of being they were in. A man in a prior war who was cited in Addison’s book expressed that â€Å"whatever its size a man’s world was his sectionâ€at most, his unit; all that made a difference to him was the one little boatload of castaways with whom he was marooned on a remote location making movement to keep off the climate and any unexpected assaults by wild beast† (Addison 211). Away from their families and companions, drenched in a ridiculous war where tons of individuals could bite the dust in a clash or fight, these troopers could just rely on one another to really comprehend the circumstance they were presently in. Beaten and battered together, having lost huge numbers of similar companions, triumphed quickly, or withdrew hurriedly, this common comprehension offered route to a care group †a family who officers could lean upon and secure their prosperity. Of this, Bidermann composed, â€Å"Our contemplations were continually involved by the dubious if not sad circumstance in which we got ourselves. We got comfort just in our numbers and in being with friends with whom we had shared such huge numbers of encounters throughout the weeks, months, and years† (Bidermann 266). Over and over all through the 3 readings, there is notice of men, regardless of whether they in the warmth of fight or â€Å"relaxing† with organization, being flushed. It’s nothing unexpected as liquor has been a methods by which men have adapted to their issues for a huge number of years. On the off chance that the issues won’t leave, the answer for certain has been to drink until those issues don't enlist as issues any longer. In that capacity, Holmes noted â€Å"headaches were practically widespread in a battlefield where wine and liquor were promptly available† (Addison 212). Grossman ctually discusses how his brigade officer Kozlov, amidst fight, â€Å"withstood an assault of tanks. He was on extraordinary structure and totally alcoholic. The tanks were tossed in a running fashion† (Grossman 103). As religion has worked as a type of solace since the beginning of progress and the introduction of religion, it was just normal for men living in wickedness to come to it to diminish them of a portion of their weight. Along these lines, the men of the pastorate were frequently instrumental to good and help. Moreover, because of the approaching chance of death in war, the mortality of some turned into significantly more obvious. In Bidermann’s account, he discusses a divisional cleric named Satzger who had a few times took a chance with his life to recuperate injured men. Coming about because of priests like Satzger and with death approaching, â€Å"many of the fighters who had not been so disposed started to go to strict administrations †¦ For excessively numerous [the chaplain] would offer the last voice of consolation and the last remnant of solace before they, as well, surrendered to mortal wounds† (Bidermann 25). Another Catholic cleric was named â€Å"the backpack priest† as he conveyed a field pack from which he furnished soldiers on the bleeding edges with straightforward food things that had in war become extravagances. While it might have been an otherworldly comfort that many got because of these righteous men, others went to for having an encouraging and assistance. It’s been informed that pioneers should show others how its done. Trapped in riotous occasions, better officials regularly worked as reference points than come together for. In times past, extraordinary pioneers, for example, George Washington, Alexander the Great, and Genghis Khan drenched themselves in fights, indicating that the best commandants don't guiding them from the back, yet rather driving them in the front. A leader by the name of â€Å"Captain Kendall, transformed a temperamental organization into an acceptably decent one by open presentations of sheer guts. ‘Look at me,’ he said unobtrusively, strolling from man to man enduring an onslaught. ‘They can’t hit me. Take a gander at me’† (Addison 210). Models like this gave moral lifts to terrible men who required something positive to stick to. Alternately, as opposed to moving by a controlling light of valiance and courag

Notes on Essay Writing

Notes on Essay WritingSometimes it is necessary to use notes on essay writing. These notes can come in handy if you are trying to remember specific points that you need to make. They can also help you structure your essay, which will make the entire writing process easier for you.Using these notes on essay writing will be a good idea if you want to be able to explain your points in a few minutes. You should not spend too much time trying to remember all of the details that you need to write about, because you will just forget them. Taking notes on your essay may take you a while, but it will make your work a lot easier.If you are struggling with writing an essay, then it might be a good idea to look for tips on note taking, and do not be afraid to ask for help. There are plenty of other people out there who are experts in this field. They can give you some great ideas on how to structure your paper and how to make your essay an enjoyable experience for you.Sometimes it is easier to s it down and just read your essay from cover to cover rather than trying to come up with your own thoughts. This will enable you to really get into your topic. Sometimes it is good to be able to read through the entire essay in order to understand it.If you have a friend with you who is a good writer, they can actually help you polish up your essay, and they can also give you hints as to how to organize your whole piece. It is possible that they could even help you add a few sections. That way you will not miss anything important.The best thing about making notes on essays is that they will not take up too much of your time. You can use this to try to improve your skills, and you can use this to make the process of writing the essay less stressful. You will be able to relax a little more, and this can help you concentrate on your writing process.Some people find that they can write essays easier than others. There are other individuals who find that they are struggling with the mater ial that they are writing about. Using notes on essay writing can be a great way to help you figure out what type of essay that you should be writing, or where you should be writing it from.If you have special needs that need to be accommodated, then you may want to find a good essay writing service. If you cannot write well on your own, then you may want to consider the services of a professional writer. They will be able to help you make the most of your writing time, and they will not have to spend any of their own time actually doing the writing.

11 Myths and Realities of Scholarships

Myth 1: I'm not a great student or an athlete, so I won't get a scholarship Reality: You may stink at sports and have a mediocre GPA, but believe it or not, you may qualify for multiple scholarship opportunities. Awards can be based on extracurricular activities, ethnic heritage or even how well you can create a Zombie Apocalypse survival story! RELATED: 100 weird scholarship ideas Myth 2: Scholarships are only awarded to low-income families Reality: According to Sallie Mae's How America Pays for College 2014, 38 percent of students from households with incomes over $100,000 received scholarships. RELATED: How a financial planner can help you find scholarships Myth 3: Applying for scholarships is a lot of work ï ¿ ½ it's just not worth my time! Reality: While your first scholarship essay will take some time, you can reuse it for subsequent applications by making a few tweaks in order to meet specific requirements. And don't overlook small awards. If you're awarded a $5,000 scholarship, that's $5,000 you won't have to borrow for school ï ¿ ½ and pay back with interest! RELATED: Learn about using automatic scholarships to help pay for college Myth 4: I missed "scholarship season", so I'm out of luck Reality: Colleges may have certain deadlines for the scholarships they give out, but there are plenty of other types of organizations that give out scholarships all year long. RELATED: 10 things you need to know about getting scholarships Myth 5: If you're a top student, you'll automatically get scholarships Reality: There are plenty of students who are just as talented as you who want scholarships. In fact, U.S. News and World Report rankings include data from over 21,000 public high schools. That means there are 21,000 students who ranked #1 in their class, without even including students from private schools. The competition for scholarships is real ï ¿ ½ if you want an award, you're going to have to work for it. RELATED: Surprising facts about scholarships Myth 6: The FASFA determines how much I'll have to pay for school out of pocket Reality: Colleges use data from your FASFA to calculate your Expected Family Contribution (EFC). Your EFC is the amount the school believes you are able to pay out of pocket, and it's used to determine the amount of federal need-based financial aid you qualify for. But you may still be eligible for other types of scholarships that can help bring down costs. RELATED: How much financial aid will you get? Use this tool to get an idea. Myth 7: Only colleges award scholarships Reality: There are many types of corporations, local organizations and even high school districts that award scholarships. Start by checking with your parents' place of employment and your school guidance counselor to see what might be available in your area, and then explore online opportunities. RELATED: 5 secrets to winning a college scholarship Myth 8: Getting scholarships will hurt financial aid eligibility Reality: The government does take awards into consideration, but any affect on your aid package will be minimal. A scholarship may reduce the amount of federal student loans you qualify for, which is actually a good thing ï ¿ ½ since you have to pay back a loan, but not a scholarship. RELATED: How 7 different assets affect financial aid eligibility Myth 9: My financial advisor knows nothing about scholarships Reality: This might be true, but many advisors are eager to help families find ways to bring down the costs of college, including finding scholarships. In fact, according to an article from >Investment News, today's advisors are playing a key role in their clients' college planning decisions. RELATED: You're saying my financial advisor can help me plan for college? Myth 10: If I get a scholarship, I'll lose all of the money I saved in my 529 plan Reality: You'll never lose all of the money you saved in a 529 plan. If you get a scholarship, you can take a non-qualified withdrawal from your plan up to the amount of the award without getting hit with the normal 10% penalty. You will, however, have to pay federal income tax on the earnings withdrawn. To avoid paying any taxes, you can always save the money in the plan for another qualifying family member who will be attending college. RELATED: 8 common 529 plan mistakes to avoid Myth 11: I should pay a scholarship agency to help with my search. Reality: Unfortunately, there are many scholarship scams out there. Agencies that charge a fee for services likely fall into this category. And remember, scholarships and grants can never be guaranteed. If you need help finding scholarships, consult your financial advisor or a reputable site such as Fastweb.com or Scholarships.com. RELATED: 5 ways to cut college costs Myth 1: I'm not a great student or an athlete, so I won't get a scholarship Reality: You may stink at sports and have a mediocre GPA, but believe it or not, you may qualify for multiple scholarship opportunities. Awards can be based on extracurricular activities, ethnic heritage or even how well you can create a Zombie Apocalypse survival story! RELATED: 100 weird scholarship ideas Myth 2: Scholarships are only awarded to low-income families Reality: According to Sallie Mae's How America Pays for College 2014, 38 percent of students from households with incomes over $100,000 received scholarships. RELATED: How a financial planner can help you find scholarships Myth 3: Applying for scholarships is a lot of work ï ¿ ½ it's just not worth my time! Reality: While your first scholarship essay will take some time, you can reuse it for subsequent applications by making a few tweaks in order to meet specific requirements. And don't overlook small awards. If you're awarded a $5,000 scholarship, that's $5,000 you won't have to borrow for school ï ¿ ½ and pay back with interest! RELATED: Learn about using automatic scholarships to help pay for college Myth 4: I missed "scholarship season", so I'm out of luck Reality: Colleges may have certain deadlines for the scholarships they give out, but there are plenty of other types of organizations that give out scholarships all year long. RELATED: 10 things you need to know about getting scholarships Myth 5: If you're a top student, you'll automatically get scholarships Reality: There are plenty of students who are just as talented as you who want scholarships. In fact, U.S. News and World Report rankings include data from over 21,000 public high schools. That means there are 21,000 students who ranked #1 in their class, without even including students from private schools. The competition for scholarships is real ï ¿ ½ if you want an award, you're going to have to work for it. RELATED: Surprising facts about scholarships Myth 6: The FASFA determines how much I'll have to pay for school out of pocket Reality: Colleges use data from your FASFA to calculate your Expected Family Contribution (EFC). Your EFC is the amount the school believes you are able to pay out of pocket, and it's used to determine the amount of federal need-based financial aid you qualify for. But you may still be eligible for other types of scholarships that can help bring down costs. RELATED: How much financial aid will you get? Use this tool to get an idea. Myth 7: Only colleges award scholarships Reality: There are many types of corporations, local organizations and even high school districts that award scholarships. Start by checking with your parents' place of employment and your school guidance counselor to see what might be available in your area, and then explore online opportunities. RELATED: 5 secrets to winning a college scholarship Myth 8: Getting scholarships will hurt financial aid eligibility Reality: The government does take awards into consideration, but any affect on your aid package will be minimal. A scholarship may reduce the amount of federal student loans you qualify for, which is actually a good thing ï ¿ ½ since you have to pay back a loan, but not a scholarship. RELATED: How 7 different assets affect financial aid eligibility Myth 9: My financial advisor knows nothing about scholarships Reality: This might be true, but many advisors are eager to help families find ways to bring down the costs of college, including finding scholarships. In fact, according to an article from >Investment News, today's advisors are playing a key role in their clients' college planning decisions. RELATED: You're saying my financial advisor can help me plan for college? Myth 10: If I get a scholarship, I'll lose all of the money I saved in my 529 plan Reality: You'll never lose all of the money you saved in a 529 plan. If you get a scholarship, you can take a non-qualified withdrawal from your plan up to the amount of the award without getting hit with the normal 10% penalty. You will, however, have to pay federal income tax on the earnings withdrawn. To avoid paying any taxes, you can always save the money in the plan for another qualifying family member who will be attending college. RELATED: 8 common 529 plan mistakes to avoid Myth 11: I should pay a scholarship agency to help with my search. Reality: Unfortunately, there are many scholarship scams out there. Agencies that charge a fee for services likely fall into this category. And remember, scholarships and grants can never be guaranteed. If you need help finding scholarships, consult your financial advisor or a reputable site such as Fastweb.com or Scholarships.com. RELATED: 5 ways to cut college costs

Pension Reforms Highlights Rhode Island And Michigan

Pension Reforms Highlights: Rhode Island Michigan In order to make a more comprehensive analysis of the two cases presented in this report the information is going to dissected into three categories: Policy, Politics and Public Opinion in order to convey a more detailed view of the reform process. Rhode Island Background As early as 1993, the net present value of the State Employees’ pension fund represented only about 72 percent of the expected liabilities. The Teachers’ fund was in worse shape. Some modest attempts were made by the General Assembly to improve the situation in the mid-2000s, such as raising state employees’ minimum retirement age. While these changes slowed the decline of Rhode Island’s pension fund stability, they did†¦show more content†¦Ã¢â‚¬ ¢ 2. Implemented a Hybrid Defined Benefit (DB) and Defined Contribution (DC) Plan: The hybrid DB/DC plan aims to reduce DB liabilities with a DC fund while also maintaining support from union groups who desire the security of a DB system. †¢ 3. An increase in retirement age for current employees so that it matched Social Security’s age thresholds. †¢ 4. Extended Amortization Rate of Liabilities. †¢ 5. A plan to help local governments bring their unfunded pension liabilities under control. †¢ Reforms by itself is not enough, it is crucial to assure that the legislature always make their legally required contributions to the pension fund. Public Opinion †¢ Roughly 62 percent of state employees are union members, meaning that law makers in the GA are generally wary of pushing too hard on publicly unpopular policy reform that affected unionized labor. †¢ Pension-reform allies decided that before they could effectively move pension reform through the General Assembly, they needed to ensure that everyone was clear on the risks to the system and on what reform was trying to accomplish. †¢ They determined that forming coalitions of the interested parties in advance of the legislation would effectively lay the groundwork for reform specifics †¢ Reformers choose to campaign for the reform ideas they settled on to gain buy-in from stakeholders prior to any legislative debate. †¢ A blue ribbon panel â€Å"Pension Advisory Group† was a drivingShow MoreRelatedFundamentals of Hrm263904 Words   |  1056 PagesWorkplace 323 Management Commitment and Employee Involvement 323 Worksite Analysis 323 Hazard Prevention and Control 324 Retirement Benefits 297 WORKPLACE ISSUES: Flying High No More: Airline Pensions Crash and Burn 298 Defined Benefit Plans 299 Defined Contribution Plans 299 Money Purchase Pension Plans 299 Profit-Sharing Plans 299 Individual Retirement Accounts 299 401(k)s 300 Paid Time Off 300 Vacation and Holiday Leave 301 DID YOU KNOW?: Benefits Around the Globe 301 Disability InsuranceRead MoreOne Significant Change That Has Occurred in the World Between 1900 and 2005. 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