Thursday, July 2, 2020

How to Build a 529 Portfolio

With age-based accounts depressed in the stock market meltdown, it may be time to consider building your own 529-plan investment portfolio. While building, implementing and monitoring such an approach requires more time than using an age-based plan, it gives you more control over your investment and allows you to craft a portfolio more finely attuned to your individual risk profile. Declines in college savings portfolios are especially painful for parents and grandparents who have to build retirement and emergency funds, so dollars lost to investment declines are hard to replace. Extra pain resulted investors thought they were pursuing the safer course by shifting their money into more conservative investments and away from individual funds. Limits on how often you can change investment options means you have to act with care when selecting 529-plan investments. Because of the market meltdown, Congress is allowing 529-plan custodians to change investment options twice in 2009, but once this year is over, switches will be restricted to once a year. "The issue goes back to choosing your investment options correctly the first time and then staying with your decision and not reacting to what's going on in the market," says Bruce Hagemann, executive vice president and national sales manager for BBVA Compass Investment Solutions, in Dallas. "If you're conservative, you need to be conservative from the beginning," says Hagemann. "If you weren't, and took losses, there's not much you do about that at this point." What went wrong In the recent market meltdown, many investors in age-based plans lost upwards of 20 to 30 percent of their investment ï ¿ ½ in some cases two years in a row. And returns for the last year on an average annual basis remain ugly, despite the recent market uptick. North Carolina's age-based plan performance over the past year is a good example. In the 12 months ending June 30, 2009 the state's aggressive age-based plan lost 24.20 percent; the moderate plan lost 17.64 per cent and the conservative approach lost 11.75 per cent. "The college funds that are age-weighted became too aggressive to make their returns in the past several years," says Christine D. Moriarty, CFP, and president of MoneyPeace, a financial planning firm in Bristol, Vt. "They swayed from their true goals. The old adage 'buyer beware' works with these funds. Know what you are buying. Do not simply buy at face value because of what the product says." The theory behind age-based plans is to invest aggressively when the beneficiary ï ¿ ½ the child who will be going to college ï ¿ ½ is young, then shifting to more moderate investments at age 9 or 10 and finally getting more conservative at high school age. But there's a ton of variation in terms of what is aggressive, conservative and moderate, and even if you've got 10 years before college, a 24.2 percent loss is hard to take. Setting investment goals The key to success in any investment-related endeavor is setting clear goals, says Hagemann. If you know what you're trying to achieve and figure out a sensible way to get there by assessing your risk tolerance, you'll be in better shape to handle the difficulties of the market. Many 529-plan and other investment sites have questionnaires designed to help you make these decisions. If you're unable to tolerate a lot of volatility in your college savings investments, it's better to invest conservatively, especially since you can't change your investment options as often as you can in other types of investment plans, such as retirement plans. On the other hand, if you are willing to take more risk in the hopes that your investments will provide larger returns, you'll likely be more comfortable with more aggressive investment options, at least when your child is younger. Crafting a 529 portfolio If you want to avoid age-based plans, you usually have at least two options in creating and managing your own 529 account: asset-allocation portfolios, which blend several mutual funds together to achieve a targeted mix of stocks, bonds, and money market single-fund options, in which each portfolio is invested in a single mutual fund whether that be a stock fund, bond fund, or money market fund. Typically, if you invest in an asset-allocation portfolio, you'll place 100 percent of your investment in one portfolio, just as you would place 100 percent of your investment in an age-based plan if you wanted to go in that direction. On the other hand, if you pick single-fund options, you'll probably want to choose more than one, so you'll need to decide what percentage of your assets go into each fund. In Moriarty's opinion, there are some rules of thumb to keep in mind when crafting a college-savings portfolio because of the time-limited nature of college savings. "If your child is within two years of college, most of the money should be safely in bonds and cash, she says. "This is not the time because of the age of the child to invest in the stock market," she says. "For years I've said 'If you need money in three years, keep it in cash. If you need money in three to eight years, keep it in bonds. The rest can be in the stock market.' Yes, you may not make as much, but you do not have the time to make up the money if you lose it either." In a portfolio offered by a 529 plan, the plan puts several funds together to achieve a particular investment purpose. For example, a conservative portfolio might have a stock fund, a bond fund and a money market fund. An aggressive portfolio might have a US stock fund and a foreign stock fund. The number of single-fund options depends on the plan, but you typically want to mix and match at least three or four funds to have a diversified portfolio. When selecting among single-fund options, aim for some diversity - if you're looking at putting a stock portfolio together, you could pick a growth fund, an international fund and a value fund to give you exposure to different sections of the market. Managing your 529 portfolio Once you set up your account, whether it's composed of single-fund options or an asset allocation portfolio, you should check it on a yearly basis to ensure it is accomplishing the initial goals you set and decide if any changes are needed as your child gets closer to college. Look at performance, investment objectives and fees. See if your underlying funds have performed as well as or better than a market index during a particular period. You can generally find performance information on the Website of your 529- plan sponsor and in reports mailed on a quarterly basis. With an asset-allocation portfolio, you want to make sure the funds included in the portfolio have not been changed, and if any have they should be as similar as possible to the old ones in terms of investment objective. You don't want an international stock fund, for example, replaced with a bond fund. As for costs, the lower the better ï ¿ ½ if either the percentage of your assets charged for fund operations or any fees charged by the 529 plan itself rise significantly, you may want to make a change. As your child gets older, you may want to change your investments so that you don't lose a large sum of your investment a few years before you need to spend the money on tuition, room, board, fees and other college expenses. Remember that you can only change investment options once annually (after 2009), so consider setting up a specific date each year to review your objectives and the plan to decide whether to make any changes. "The restriction on changing investments once a year was set up, I think, to keep parents from moving in and out of the market," says Hagemann. "This is like any other investment, where you need to look at your risk tolerance versus the length of time before you need the funds. The tendency can be to be more aggressive with investing, but I think with college funds it makes sense to be more conservative." Posted August 7, 2009 With age-based accounts depressed in the stock market meltdown, it may be time to consider building your own 529-plan investment portfolio. While building, implementing and monitoring such an approach requires more time than using an age-based plan, it gives you more control over your investment and allows you to craft a portfolio more finely attuned to your individual risk profile. Declines in college savings portfolios are especially painful for parents and grandparents who have to build retirement and emergency funds, so dollars lost to investment declines are hard to replace. Extra pain resulted investors thought they were pursuing the safer course by shifting their money into more conservative investments and away from individual funds. Limits on how often you can change investment options means you have to act with care when selecting 529-plan investments. Because of the market meltdown, Congress is allowing 529-plan custodians to change investment options twice in 2009, but once this year is over, switches will be restricted to once a year. "The issue goes back to choosing your investment options correctly the first time and then staying with your decision and not reacting to what's going on in the market," says Bruce Hagemann, executive vice president and national sales manager for BBVA Compass Investment Solutions, in Dallas. "If you're conservative, you need to be conservative from the beginning," says Hagemann. "If you weren't, and took losses, there's not much you do about that at this point." What went wrong In the recent market meltdown, many investors in age-based plans lost upwards of 20 to 30 percent of their investment ï ¿ ½ in some cases two years in a row. And returns for the last year on an average annual basis remain ugly, despite the recent market uptick. North Carolina's age-based plan performance over the past year is a good example. In the 12 months ending June 30, 2009 the state's aggressive age-based plan lost 24.20 percent; the moderate plan lost 17.64 per cent and the conservative approach lost 11.75 per cent. "The college funds that are age-weighted became too aggressive to make their returns in the past several years," says Christine D. Moriarty, CFP, and president of MoneyPeace, a financial planning firm in Bristol, Vt. "They swayed from their true goals. The old adage 'buyer beware' works with these funds. Know what you are buying. Do not simply buy at face value because of what the product says." The theory behind age-based plans is to invest aggressively when the beneficiary ï ¿ ½ the child who will be going to college ï ¿ ½ is young, then shifting to more moderate investments at age 9 or 10 and finally getting more conservative at high school age. But there's a ton of variation in terms of what is aggressive, conservative and moderate, and even if you've got 10 years before college, a 24.2 percent loss is hard to take. Setting investment goals The key to success in any investment-related endeavor is setting clear goals, says Hagemann. If you know what you're trying to achieve and figure out a sensible way to get there by assessing your risk tolerance, you'll be in better shape to handle the difficulties of the market. Many 529-plan and other investment sites have questionnaires designed to help you make these decisions. If you're unable to tolerate a lot of volatility in your college savings investments, it's better to invest conservatively, especially since you can't change your investment options as often as you can in other types of investment plans, such as retirement plans. On the other hand, if you are willing to take more risk in the hopes that your investments will provide larger returns, you'll likely be more comfortable with more aggressive investment options, at least when your child is younger. Crafting a 529 portfolio If you want to avoid age-based plans, you usually have at least two options in creating and managing your own 529 account: asset-allocation portfolios, which blend several mutual funds together to achieve a targeted mix of stocks, bonds, and money market single-fund options, in which each portfolio is invested in a single mutual fund whether that be a stock fund, bond fund, or money market fund. Typically, if you invest in an asset-allocation portfolio, you'll place 100 percent of your investment in one portfolio, just as you would place 100 percent of your investment in an age-based plan if you wanted to go in that direction. On the other hand, if you pick single-fund options, you'll probably want to choose more than one, so you'll need to decide what percentage of your assets go into each fund. In Moriarty's opinion, there are some rules of thumb to keep in mind when crafting a college-savings portfolio because of the time-limited nature of college savings. "If your child is within two years of college, most of the money should be safely in bonds and cash, she says. "This is not the time because of the age of the child to invest in the stock market," she says. "For years I've said 'If you need money in three years, keep it in cash. If you need money in three to eight years, keep it in bonds. The rest can be in the stock market.' Yes, you may not make as much, but you do not have the time to make up the money if you lose it either." In a portfolio offered by a 529 plan, the plan puts several funds together to achieve a particular investment purpose. For example, a conservative portfolio might have a stock fund, a bond fund and a money market fund. An aggressive portfolio might have a US stock fund and a foreign stock fund. The number of single-fund options depends on the plan, but you typically want to mix and match at least three or four funds to have a diversified portfolio. When selecting among single-fund options, aim for some diversity - if you're looking at putting a stock portfolio together, you could pick a growth fund, an international fund and a value fund to give you exposure to different sections of the market. Managing your 529 portfolio Once you set up your account, whether it's composed of single-fund options or an asset allocation portfolio, you should check it on a yearly basis to ensure it is accomplishing the initial goals you set and decide if any changes are needed as your child gets closer to college. Look at performance, investment objectives and fees. See if your underlying funds have performed as well as or better than a market index during a particular period. You can generally find performance information on the Website of your 529- plan sponsor and in reports mailed on a quarterly basis. With an asset-allocation portfolio, you want to make sure the funds included in the portfolio have not been changed, and if any have they should be as similar as possible to the old ones in terms of investment objective. You don't want an international stock fund, for example, replaced with a bond fund. As for costs, the lower the better ï ¿ ½ if either the percentage of your assets charged for fund operations or any fees charged by the 529 plan itself rise significantly, you may want to make a change. As your child gets older, you may want to change your investments so that you don't lose a large sum of your investment a few years before you need to spend the money on tuition, room, board, fees and other college expenses. Remember that you can only change investment options once annually (after 2009), so consider setting up a specific date each year to review your objectives and the plan to decide whether to make any changes. "The restriction on changing investments once a year was set up, I think, to keep parents from moving in and out of the market," says Hagemann. "This is like any other investment, where you need to look at your risk tolerance versus the length of time before you need the funds. The tendency can be to be more aggressive with investing, but I think with college funds it makes sense to be more conservative." Posted August 7, 2009

Tuesday, May 26, 2020

Feminism in Maya Angelous Poetry - Free Essay Example

Maya Angelou once said if you dont like something, thanthen change it and if you cant change, then change your attitude(25) and that exactly what she did to her entire life. Maya Angelou grew up and was born in the state of Louis, Missouri. She is   a Daughter of two hard-working parents, named   Bailey Johnson who was the main provider and worked as a doorkeeper and Vivian Johnson who was a nurse, night club habitue. Eventually, her parents were divorced just when she turned three years old.   At a young age, her brother Bailey that was eight years at the time,herself and their grandmother were living in a small town called Stamps in Arkansas where she absorbed much religious faith and would have to wear old-fashioned courtesy due to the old traditional African American lifestyle.   In her early childhood years, Maya Angelou was raised with her brother Bailey during in the racial segregation in the   South by her paternal grandmother. She earned a scholarship to a drama school. While living there she also goes several part-time jobs as a table dancer in a nightclub works in a mechanic shop, and worked in restaurants. She was one of the first women to be a black female cable car conductor.   Ã‚  Ã‚  Ã‚  Ã‚   One of many struggles she faced was finding her true identity, growing up there were a few obstacles she had to face and they were very tuff, making her the women she is today. Another struggle she faced was being a teen mother. When Maya Angelou was sixteen in the days after WWII, she had given birth to her first son Clyde Johnson in San Francisco. When she was at the age of fourteen, she had decided to drop of out her studies and fell in love. She eventually decided to run away at the age of seventeen   and considered living a different lifestyle causing her to become a single parent becoming homeless with her son Guy and living outside of a parking lot and trying to support herself, and her child by working late shifts as a waitress nonetheless, she never gave up on her dreams and goals. Her and her son, moved   back with her grandmother in Stamps, Arkansas which she had to escape to go back to San Francisco due to her involvement in illicit activities. Af ter a few years she moved back in with her mother and fell in love with a preacher named Episcopalian and left her son   to be taken care of with   Big Mary who had disappeared with her child but could track them down in California where they were able to   reunite.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Meanwhile, Dr. Maya Angelou had worked as a writer-producer on the television for one of the best media network called the 20th-century fox 20th. She had written a powerful screenplay for Georgia, Georgia, including many other several scripts on the television including, sister, sister. In early 1998, she also tried to make her first attempt in the filming career and directed with a movie named   Down in Delta. Before becoming one of Americas most admired writers. Throughout, her empowering writings and poems, she had motivated a generation of African Americans woman who had to struggle to overcome prejudice,   discrimination, and, abuse sadly, at the age of seven, she had been   raped by her mothers boyfriend   and swore to never speak a word again because she believed she caused her rapist   his death. Eventually, Maya Angelou had been retreated into a voluntary silence for about five years or more. When she was brought to stay in stam ps to live with her great-grandmother,   Maya Angelou was helped and supported by two very strong independent women, her mother, Mrs. Bertha who made her feel comfortable to speak again.    Feminism in Maya Angelous poetry was also important. she was an important woman when it came to her showing hardships among all women by focusing to address issues that were involved with feminism, sexism,and racism. Therefore, she displays feminism in her poems Phenomenal woman and All Women Work. Phenomenal Woman by Maya Angelou was published in 1978 making history as the first nonfiction best-seller by an African-American woman. Although Angelou writes of her actual experiences growing up and living as a black girl and a black woman in the American South, she also connects her experiences to those of all black women dealing with racism, sexism, and isolation. Her book   sends out an important message to the world about convention and stereotype but mostly to women to have empowerment and be confident in their own female skin and acceptance. Nonetheless, in her poem Woman Work she describes what a single woman does for her family and the society. The woman she is describing is been expected to live a certain lifestyle due to what society expect from her. For example, at a young age being consider a lady when youre little. How a role of a woman can be confined with one simple word and how woman today are required to have curtain skills. One skill woman need to have was to become a warrior, have a tough mindset, be able to convince herself that her values, choices are very important. Shen then explains the role that man played and how they were in control, man would treat women like an object and as property rather than being treated as their wives or a normal human being.   Fighting for gender equality in her poem   phenomenal women is a phenomenal example of her poetic identity. She expressed that black women can do anything and also fights for racial equality. Her wise words in her poetry didnt just come from her heart, they were explaining life, love, and concepts that were very abstract and obscure became clear through her poetry.   Maya Angelou quotes in her book if growing up is painful as the southern black girl and being aware of her displacement can be there rust on the razor that threatens the throat. Its an unnecessary insult in her poem   I know why the caged bird sings Maya angelou is talking about   how as a child she never lived a normal lifestyle and wrote her daily experience or racial discrimination   and was not treated equally and she knew that she wanted to break all barriers between race.   She expresses that black woman can do anything and also fights for racial equality.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   One strength was Maya Angelou is referring to herself that she is a phenomenal woman and she left a mark for other women to follow. She describing her poem through her confidence the ways she walks, the rhythm of her hips and the way she smiles on line 30-31. In the book, it also mentions that one of Maya Angelous secrets is that she is leaving behind for women that will touch their hearts to lead them to be a phenomenal woman. One of her weakness was the tone and the mood of the poem phenomenal men phrases the joy in my feet the sun of my smile also the click of my heel to create a feeling of joy while in the song I was here   in the book the tone of the song it was aspiring. Indeed she wanted to achieve so many things like leaving a mark on the world so that everyone knew what she was fighting for. Threw this journey Ive learned that Maya uses imagery consistently in her poem to create a physical image of a woman who loves herself and is very self-confident. She also uses imagery to describe her physical features but the irony of this poem is that the American stand of beauty is to have sharp features like having the perfect body or perfect skin tone. Indeed she uses a lot of metaphors through her poems in the book. Nonetheless, she uses repetitions to stress certain phrases to emphasize the main idea of the poem that she is a phenomenal woman. Just how her poem Caged Bird is an example description of a caged bird that is able to see another bird outside the window but the caged bird is trapped with his clipped wings and his feet are very tired and begins to sings in pain.Then the caged bird wants to be set and dream of flying far away from the world but id trapped in the caged. Also, To Beat The Child Was Bad Enough The poem is about the innocence of a child and how it is taken away when a child is beating leaving them alone and mute because when a child is abused, they lose their sense of speech and are afraid to speak. Mayas perspective of the poem highlights the tragedy of her childhood when she had been raped by monster also known as her mothers boyfriend and became mute. While reading the poem the tone of the poem changes to fear because you can see the change of events in the poems story.   Ã‚  Ã‚  Ã‚  Ã‚   Another strengths she had were her accomplishments she had achieved was in 1960. She worked for Martin Luther King as a coordinator and organized   a Christian Leadership Conference for a short period of time. After some time   she left New York and moved to Cairo, Egypt   in 1961 where she met a civil rights activist named Vusumzi Make who was a freedom fighter. He had motivated Maya Angelou to become a journalist and work as the editor for the Arab Observer organization. Her work did not stop there, she went to Ghana   and worked as an editor of the   The african Review and   taught as a   professor at the University of Ghanas were she learned several different languages . In 1986, she publishes a novel called   All Gods children need traveling shoes were she reveals several obstacles she faced   and began to discover her heritage as an African american woman while she was in Ghana. In the 1964, she came across a black activist named Malcolm X    who was also involved in the civil right movement and lead an organization for the African American Unity community but his organization collapsed after he was assassinated . Leaving Maya angelou to publish her final series of her autobioghy called   A song Flung up to Heaven   were she mentions her role as an influential leader to the Civil Rights movements .   Ã‚  Ã‚  Ã‚  Ã‚   A few years back Maya Angelou came out with an album titled Caged Bird Songs. This contemporary Hip Hop album came out November 04, 2014 includes songs like: Still I Rise, Africa, Life Doesnt Frighten Me, and ten more other songs. Angelous voice does not sound like any other female artist in todays mainstream music. Angelous voice is powerful. She is reciting the lyrics more like spoken word over raw beats. Although she is older Maya Angelou is still rapping, if thats not inspiring then, I do not know what is. Angelous title for her album is Caged Bird Songs, similar to one of her books titled, I Know Why The Caged Birds Sing, (a great piece of literature). The caged bird could symbolize her, not only is this a genuine title, but meaningful to those who know the real meaning of what it means and have actually read the book that connects to the title. The artwork for her album is simple yet, clever.   Ã‚   Maya Angelou was also know for having empowering human spirits, In her third book Still I Rise tends to use fiction writing techniques. For instance, setting plot, dialogue, characterization and developing different themes. She creates a personal struggle of how an American-American woman are brought to life through there poetic works. She mentions personal journeys of her struggles to overcome injustice and reminds us that we should never stop fighting on gender equality on a daily basis. She intended to grow and develop courage to women who fear to speak up and voice their opinions and beliefs.In the poem she declares that she will not accept racism,allow anyone to have frewer right than anyone in their society. There were alot of people that she worked with that wanted to crush her dreams and what she believed in but that did not stop her even if they wanted to kill her   she   would still fight for the movement of equal equality. Maya Angelou   then write a poem ca lled   Our Grandmothers(32). She mentions a woman who survives a life of a slave, she specifies and shows what slavery did to a particular human being. Being a slave consisted of being treated like property. She also mention how humiliated she had to endure when they would get whip. Women were considered to suffer more than men because they would get double the punishment because they were women and were considered   African American.   Ã‚  Ã‚  Ã‚   The album has a bird and the color of the bird is golden colored, which can demonstrate Angelous heart, Golden hearted. Although she did die, her legacy will continue to live and that has been proven by the success of her new album. This is not her first, she has made another albums. Angelous family has helped this album become successful. Especially her grandson. What do the lyrics have that are so meaningful? The album is entirely based on what Dr. Maya Angelous poetry would have, especially on black and women empowerment. Maya Angelou quotes, A bird doesnt sing because it has an answer, it sings because it has a song.  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Lastly, Maya Angelou was an author, activist, feminist, lecture and woman of color who went through several trials in her life that made her the women she is today. Her impact on the world was meant to go on through generations. Women are important to society, not only do we make babies to keep the human race alive, but we are important too because women have been thought to be less than men and that has to be proven wrong. Glorifying women for having   all the empowerment to surpass many obstacles that all women have undergone needs to be done a lot more often, but in fact our society created a month for all women and its meaning to it is delivering a message across the world letting others know that women will continue to fight for that they believe is right. She considered best known for all seven autobiographies she wrote and her work moved tremendously all over the world through Schools and   Universities.Her work didnt not stop there she impacted the black culture and inspi red the African American culture. Her dream was to motivate and change a generation of women to be courageous.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Months like March, is significantly important, its a month to appreciate women, afterall it is Womens History (Herstory) Month from March 1st to March 31st.   March 8, is International Womens Day. Its a transnational feminist organization, organized a Rally on March 08, 2015 in order to show the power of women. This day has been around since the early 1990s through the ongoing years anyone who identifies as a woman stands up for their rights and supports women as a whole and recognizes their struggles. Power women Like Maya Angelou are the reason why Events like Womans day exist, to glorify woman who suffered and fought for a generation to empower one another and have a voice especially to women who are afraid to voice their opinions   because they are   woman. Theres a lot of women who historically have done so much for our nation, and try to make a difference in todays life. Having event and organization that are created for women who do n ot get recognized for their role in this society are changing lives day by day. Therefore, Maya Angelou was a great   historian   whose legacy still lives .   Work cited page Angelou,Maya.I Know Why The Caged Bird Sings.New York : Random House,1970.Print. MEACHAM, JON.22AUG2017: A racist World,Described by Those Who Knew It https://www.achievement.org/achiever/maya-angelou/ Angelou, M.(1970). I Know why the caged bird sings. New York : Random House Angelou,M.(2004). The collected auntobiographies of Maya Angelou. New York: Modern Libary Biography. www.mayaangelou.com.Caged Bird Legacy, 1, Jan.2015.Web.10 Apr.2015

Tuesday, May 19, 2020

Dilution Calculations From Stock Solutions in Chemistry

If youre working in a chemistry lab, its essential to know how to calculate a dilution. Review of Dilution, Concentration, and Stock Solutions A dilution is a solution made by adding more solvent to a more concentrated solution (stock solution), which reduces the concentration of the solute. An example of a dilute solution is tap water, which is mostly water (solvent), with a small amount of dissolved minerals and gasses (solutes). An example of a concentrated solution is 98 percent sulfuric acid (~18 M). The primary reason you start with a concentrated solution and then dilute it to make a dilution is that its very difficult—and sometimes impossible—to accurately measure solute to prepare a dilute solution, so there would be a large degree of error in the concentration value. Use the law of conservation of mass to perform the calculation for the dilution: MdilutionVdilution MstockVstock Dilution Example As an example, say you need to prepare 50 milliliters of a 1.0 M solution from a 2.0 M stock solution. Your first step is to calculate the volume of stock solution that is required. MdilutionVdilution MstockVstock(1.0 M)(50 ml) (2.0 M)(x ml)x [(1.0 M)(50 ml)]/2.0 Mx 25 ml of stock solution To make your solution, pour 25 ml of stock solution into a 50 ml volumetric flask. Dilute it with solvent to the 50 ml line. Avoid This Common Dilution Mistake Its a common mistake to add too much solvent when making the dilution. Make sure you pour the concentrated solution into the flask and then dilute it to the volume mark. Do not, for example, mix 250 ml of concentrated solution with 1 liter of solvent to make a 1-liter solution.

Saturday, May 16, 2020

Utopi An Island Shaped Like A Crescent - 1081 Words

1. Utopia is an island shaped like a crescent, with eleven miles of sea in-between the top and bottom point that doesn’t have any currents. This sea allows for everyone that lives in Utopia to be able to trade. Entering the bay that surrounds Utopia is dangerous because of the hidden rocks, which are known by the locals, but not by strangers so it is hard for them to enter. There are fifty-four cities, all having the same customs and laws, and all large. The city of Amaurot is near the center of Utopia, which is why it is the city where every year three senators are sent to talk about their concerns. (found on page 45-47) Their geography helped develop their society into one that was isolated from other societies, but very close and similar within its own community. 2. Utopians believe in working hard and working equally. There work day is only six hours, but yet they are very productive. They have plenty of gold and silver, but it does not play a roll in the economy because it is seen as child-like to desire luxuries. Gold and silver are only used to offer to their opponents during war. There is no money, so Utopians always make sure to have more than enough goods so that there is no unfairness. Everyone is trained in agriculture, but everyone has a separate job. 3. Capitalism is an economic system where the trade and industry of a country are maintained and controlled by private owners, rather than the government. Socialism is an economic model of social organization

Wednesday, May 6, 2020

Childhood Obesity A Public Health Crisis - 1237 Words

Introduction Childhood obesity is a public health crisis in Canada. Research shows that childhood obesity is related to morbidity and mortality in adulthood (Tremblay, 2010). According to one study about 31% of Canadian youth between the ages of 2-17 years are obese and overweight, which put them on a greater risk for developing chronic conditions in their early adulthood years (Vine Elliot, 2014). Children spend most of their time during the day in the schools, hence, it is very important that schools needs to implement interventions related to healthy diet and meals. Furthermore, eating patterns in childhood determines the eating habits in adulthood, so implementation of healthy eating policies in secondary schools is very essential as†¦show more content†¦For example, nutritious standard PPM 150 was implemented in 2011 in Ontario. According to this policy, the food and beverages sold on school premises must meet the specific nutritional requirements (Ontario Ministry of Education, 20 17). The standards is applicable to school cafeterias and vending machines. Furthermore, it limits the bake sales in schools as well, only 10 bake sales per year is allowed (Vine Elliot, 2014). Physical inactivity is another area of concern as it is associated with chronic diseases and obesity. One study shows that about 50% of Canadian youth is not physically active enough and about 90% do not achieve minimum 90 minutes of physical activity per day (Lagarde LeBlanc, 2010). Sedentary life styles, availability of electronic gadgets and lack of motivation are some of the factors that contributes towards physical inactivity among children. Health promotion and Advocacy for Heathy Eating The Ottawa Charter for Health Promotion defines, â€Å"Health promotion is the process of enabling people to increase control over, and to improve, their health (Public Health Agency of Canada, 2014). Canadian Community Health Nursing Standards of Practice defines the scope of community nursing and establish criteria for safe, ethical care and acceptable nursing practice (Stanhope Lancaster, 2011). Furthermore, standards also promotes the community health nursing as a specialty and support ongoing development ofShow MoreRelatedChildhood Obesity Is Becoming A Major Public Health Crisis Essay1375 Words   |  6 PagesIntroduction Childhood obesity is becoming a major public health crisis in both children and adults. The American Heritage dictionary simply defines obesity as a condition of increased body weight that is due to excessive build up of fat in the body. The CDC (Center for Disease Control), use the BMI (Basal Metabolic Index) and CDC growth charts to determine obesity and overweight in adolescents and children. The BMI-for-age percentile is determined by plotting the BMI value. Using this chart, obesity is definedRead MoreBackground and Methodology of the Research Process to Problems in Health Care1003 Words   |  5 PagesProcess to Problems in Health Care Childhood Obesity HCS/465 August 2, 2012 Donald Steacy Introduction The purpose of the paper is to show how to develop and understand methodology of the research process when pertaining to health care. The process consists of retrieving a peer-reviewed article and applying the research methodology to the article selected. 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State-Sponsored Terrorism The Relationship between...

Most of the countries involved in state-sponsored terrorism make modest attempts to disassociate themselves with terrorist organizations. These countries do this in hopes that the United Nations will not place sanctions. More often than not, these countries continue their support of various terrorist groups. They support the terrorist organization in various ways: financially, training, supplies. Iran has remained the most active state sponsor of terrorism to date (State Department, 2013). Iran supports several different terrorist organizations, including Hamas, Palestine Islamic Jihad, Popular Front for the Liberation of Palestine-General Command and Hizballah. Often times, Iran is involved in the planning and support of different†¦show more content†¦The common definition of state-sponsored terrorism is terrorism practiced by a government against its own people or in support of international terrorism. Currently, there are only four countries that are on the US State Depar tment’s list of State Sponsors of Terrorism: Cuba, Iran, Sudan and Syria. These countries have been accused of providing different types of aid to several different terrorist organizations throughout the world. A country is placed on the State Sponsor list when it has demonstrated to the United States government they frequently give support to terrorist organizations. The United States government automatically places four sanctions on these countries: a ban on arms-related exports and sales, controls over exports of dual-use items, prohibitions of economic aid and various financial and other restrictions (State Department, 2013). Hizballah (Party of God), a Shia Muslim organization, was established in 1982 as a response to the Israeli invasion of Lebanon. Hizballah has several different goals and is funded in many ways. It was not until October 8, 1997 that Hizballah was classified as a Foreign Terrorist Organization, even though they had been linked to several terrorist attacks dating backShow MoreRelatedQuds Force : The Hand Of Iran2699 Words   |  11 PagesHenley-Putnam University 06/29/2015 Author Note Mathew Heazlett is a Master’s Student in the Terrorism Counter Terrorism Studies at Henley-Putnam University. Submitted to the faculty of Henley-Putnam University, this research paper is in partial fulfillment of the requirements for TCT 596.4A, Origins, Evolutions, and trends in Terrorism and the Master’s Terrorism and Counter Terrorism Studies program. Contact Mathew Heazlett at MathewHeazlett@stu.henley-putnam.edu for correspondence regardingRead MoreEssay about The Scourge of Terrorism3471 Words   |  14 Pagesdesires of all humans. A placid emotional state that is individually subjective. Individuals have a right to pursue the happiness they desire. And yet strife, injustice, want, and oppression are what most individuals on earth experience, to varying degrees. These iniquities spawn increasing acts of terrorism and are characteristic of a variety of despondent groups. Will terrorism be a world-wide scourge in the 21st century? What interaction is there between terrorists and the television media?

Resolution of Matter into Pure Substances free essay sample

The purpose of this laboratory was to determine how different substances have different solubilities in a given solvent. This was accomplished using the method of chromatography. The solubility of each substance was first determined by dropping a drop or two of each on a line drawn 2 inches above the bottom of a piece of paper. Then the paper was lightly bent in order to tape both sides of the paper leaving about a 4 centimeter gap so that the sides of the paper are not touching. The paper was then put into a beaker of a hydrochloric acid, ethanol, and butanol mixture, being sure that the paper does not touch the sides of the beaker, and then topped. After the eluting solution has risen to within two centimeters of the top of the filter paper, the paper was removed from the beaker, dried, and was stained with a staining reagent solution containing potassium ferrocyanide and potassium iodide. We will write a custom essay sample on Resolution of Matter into Pure Substances or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page This reagent forms colored precipitates or reaction products with many cations, including all of those used in this experiment. The distance of which the spots moved were determined by calculating the Rf value of each substance. The Rf value is determined by following formula: This experiment was successful overall, given a few errors. This experiment was done twice due to the paper having pen ink marks which interfered with the movement of the substances in the first experiment. During the second trial, it was a little difficult to measure the distance the substances traveled because multiple drops of each were dropped right above each other rather than on top of each other. By the end of the experiment, the distance traveled by each substance and the color changes of each substance was still clear and was able to be measured and recorded.