Free College Admissions Essays: An Issue of International Concern :: College Admissions Essays

College Admissions: Discuss an issue of international concern and its importance to you It was easy to empathize with Andy Dufresne and the other prisoners in The Shawshank Redemption as they suffered in their prison cells; I suffered while watching the movie. It was not because I disliked the film far from it. But while the prisoners in the movie were serving their sentences in Shawshank Prison, I served my own three-hour sentence for drinking five cups of fruit punch before entering the theatre. When the credits finally began to scroll, I strode quickly to the men's room, opened the door and found, to my dismay, that all seven urinals were already occupied. Well, not exactly. There were only four people using the urinals a person at every other one. Although there was a considerable line of guys eagerly awaiting the opportunity to relieve themselves, the three odd urinals remained unused. I did not dare to use one of the unoccupied urinals. Instead, I waited my turn along with the two dozen other men ahead of me. I reached the urinal a scant few seconds before losing control. Why is it that the middle urinals in men's restrooms remain tacitly forbidden? Whether a set of urinals is in an executive washroom or in the train station's public washroom, no man dares to use a urinal located next to a urinal in use. There seems to be no rational explanation for this, and it bothers me that this issue is given so little attention. Some men claim they "just want a bit of privacy." An understandable reason, to be sure, but it lacks substantiation. In the men's restroom of a particular gym close to my home, there are 3 urinals. As one might expect, the middle urinal remains unused. If privacy is the reason for this, why do the men at the gym shower together? There are no barriers whatsoever in the neither showers, nor are the urinals separated from the shower room. On busy days, all showerheads are used, and these same men who shower together refuse to relieve themselves while standing next to one another. So much for the "privacy" excuse. The issue is even more confounding when one learns that this is an international phenomenon. The every-other-one rule is not limited to developed countries where public restrooms are common; my father grew up in a tiny village in India and told me that Indian men relieve themselves at every other tree, even though there is plenty of distance between adjacent trees.

Brittens Assignment

Bernie and Pam Britten are a young married couple beginning careers and establishing a household. They will each make about $50,000 next year and will have accumulated about $40,000 to invest. They now rent an apartment but are considering purchasing a condominium for $100,000. If they do, a down payment of $10,000 will be required. They have discussed their situation with Lew McCarthy, an investment advisor and personal friend, and he has recommended the following investments: The condominium – expected annual increase in market value = 5%.Municipal bonds – expected annual yield = 5%. High-yield corporate stocks – expected dividend yield = 8%. Savings account in a commercial bank-expected annual yield = 3%. High-growth common stocks – expected annual increase in market value = 10%; expected dividend yield = 0. Calculate the after-tax yields on the foregoing investments, assuming the Brittens have a 28% marginal tax rate (based on Public Law 108-27, The Jo bs and Growth Tax Relief Reconciliation Act of 2003). How would you recommend the Brittens invest their $40,000? SolutionWe use the provisions outlined in The Jobs and Growth Tax Relief Reconciliation Act of 2003 to compute the applicable tax rates to be faced by the Brittens – a married couple subject to a 28% marginal tax rate – for the different investment decisions they will pursue. Given that the tax-free yield for each investment has been provided, we compute for the after-tax yield using this formula: After-Tax Yield = Tax-Free Yield x (1 – tax rate). But first, let us determine the tax rate applicable to the Brittens for each of the investments.A. The condominium – expected annual increase in market value = 5%. The 5% increase in market value of the condominium is not subject to taxes. While taxes are set at 18%, the Brittens can expense up to $100,000 of the property pursuant to the Section 179 Expensing, and can take advantage of the bonus depre ciation. Hence, tax rate is de minimis, or maybe assumed at 0%. B. Municipal bonds – expected annual yield = 5%. Any annual yield from municipal bonds is not taxed at the Federal Level.Municipal bonds are usually-tax exempt. Hence, tax rate is 0%. C. High-yield corporate stocks – expected dividend yield = 8%. Dividends received by a stockholder are taxed the same way as capital gain income. The 8% dividend yield, if it qualifies as a qualified capital gain or dividend, will be subject to the 15% tax rate, for the Brittens. D. Savings account in a commercial bank-expected annual yield = 3%. Savings account in a commercial bank is subject to the Britten’s marginal tax rate, which is 28%. E.High-growth common stocks – expected annual increase in market value = 10%; expected dividend yield = 0. High-growth common stocks are subject to 15% taxes. While the yield, which is subject to capital gains tax, is 0, any gain from the disposition of stock is considered a â€Å"gross income†, and is considered a capital gain, which is subject to 15% tax. Using those tax rates, we can compute for the after-tax yields: Pre-Tax Yield Tax After-Tax Yield Condominum 5% 0% 5. 00% Municipal Bonds 5% 0% 5. 00% HY Corporate Stocks 8% 15% 6. 80%Savings Account 3% 28% 2. 16% HG Common Stocks 10% 15% 8. 50% Basing from the after-tax yield itself, the best investment for the Brittens would be the High Growth Common stock. The Brittens’ 40,000 dollar investment may grow by 8. 50% if the whole amount is invested in High Growth Common Stock. However, if we take in to account the risks and the degrees of liquidity, or if the investment could be easily turned to cash. Municipal bonds and savings account (which are guaranteed) for example, while low yield, have low default risks.High yield corporate stocks, and high growth common stocks, while high yield, are subject to the volatility of the stock market, and are very high risk. Stock prices are fluctua ting everyday, and the value of the stock would depend upon the company’s performance and investor interest on the company. The condominium investment is medium risk, since it is also subject to supply and demand – real estate investments, for example, at these times are subject to risk due to the subprime mortgage crisis.

A Short Note On Stress Management And Stress Essay

Stania Tavil Dr. Diane D. Ashe Psychology 2012 October 15, 2016 Stress Management In everyday life, people have to deal with some good moments and some difficulties. They can be helpful and also destructive. Life Comes down to several characteristic as:/ joy, love, sadness, crying etc. There are many phenomena that appear and seem good and a little weird too sometimes. They can be: physical, moral, social, economic, psychological, natural disaster, or failing to achieve. Everyone wants to be happy because it is a moment of rejoicing although it is not easy to define happiness. Some people are happy when they have made money, others are when they found their true love, / or accomplishments. It’s all depend on the expectations. When someone feels nervous about something that is called stress. Stress is something natural thing which is people cannot avoid,/ but manage or reduce it. Stress is your body’s way of responding to any kind of demand or threat. When you feel threatened, your nervous system responds by releasing a flood of stress hormones, inc luding adrenaline and cortisol, which rouse the body for emergency action. Your heart pounds faster, muscles tighten, blood pressure rises, breath quickens, and your senses become sharper. There are different kind of stress it can be personal, social, and academic. A detailed study on this paper can help to clarified ideas and how to solve or reduce stress in life. Personal stress is a package of obligation or pressure developsShow MoreRelatedShort Note On Stress Management2753 Words   |  12 Pages STRESS MANAGEMENT Group members: Anil Kumar Raju (PGP30239) Ankita Jain(PGP30247) Banothu Kiran Kumar (ABM11026) Disha Jaiswal (PGP30255) Prachi Agrawal (PGP30263) Rishi Raj Singh(PGP30271) Shifali Makkar(PGP30279) Sukriti Vijay(PGP30287) Vivek Anandan(PGP30295) TABLE OF CONTENTS i. Introduction-------------------------------------------------------------------------------------- 3 ii. 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