Saturday, March 14, 2020

SSD vs. SSI Difference Between Social Security Disability and Supplemental Income

SSD vs. SSI Difference Between Social Security Disability and Supplemental Income SSD vs. SSI While  Social Security Disability  (SSD) and Supplemental Security Income (SSI) are both programs providing benefits to persons with disabilities, managed by the Social Security Administration (SSA), entailing the same medical requirements for evaluating an individual’s disability, the initial â€Å"technical† eligibility criteria are entirely different for each program.SSD is considered the work-credit based system funded by our payroll dollars. In other words, SSD recipients were workers that have paid sufficient FICA Social Security taxes (which translate into Social Security â€Å"credits†) during their relevant working years. A worker can earn up to four credits in one year from wages or self-employment income. The amount a worker would need to earn to accumulate a credit usually changes from year to year.  In 2014, for example, a worker can earn one credit for each $1200 of wages or self-employment income – capping out at $4800 or 4 credits reg ardless of additional earnings. To give some perspective, in 1978, an individual earned a credit for each quarter where $50 was made. After 1978, the amount of earnings satisfying a credit became dependent on the national average wage index.[i]Therefore, when an individual files for SSD, Social Security will first review that individual’s work record to ensure that the applicant has earned sufficient credits, before even evaluating that person’s disability. Essentially, a worker will need 40 credits, 20 of which must have been earned in the last 10 years from the date that you became disabled or allege disability. SSA has termed an individual’s date last insured (DLI) as the date when the worker’s credits â€Å"expire.†Ã‚   The worker must be found disabled as of, or prior to, his DLI in order to be eligible for SSD.On the other hand, SSI applicants need not have worked at all; even a child could qualify.  SSI applicants, however, must prove that their resources are below the threshold outlined by SSA before the disability evaluation process will begin.[ii] SSA has recently mandated that a recipient of SSI payments must not have â€Å"countable† resources exceeding $2000 for an individual[iii] or $3000 for a married couple.[iv] If the value of all of the countable resources is above the allowable limit at the beginning of the month, SSI payments will not be paid for that month.As referenced above, FICA taxes paid from the workers payroll dollars make-up the SSD fund.  Therefore, the amount an individual receives upon approval is based on the wages contributed during the relevant working years.[v]   The monthly amount is typically calculated using the â€Å"averaged index monthly earnings† (AIME). SSA applies a formula to the individual’s AIME which will dictate the actual monthly amount.[vi]   SSD recipients will receive this monthly amount regardless of other resources[vii], and will also be elig ible to receive Medicare. However, SSI payments derive from general tax revenues. Essentially, SSI is designed to provide assistance to the aged, blind, and disabled who have little to no income and resources. In addition to providing a monetary benefit to help pay for basic needs such as food, shelter, and clothing, recipients may also receive Medicaid entitlement. What’s more, unlike SSD recipients who must wait 2 years from the date of entitlement to be eligible for Medicare, SSI recipients may be entitled to receive Medicaid immediately upon approval.[viii]Our attorneys and staff at Disability Attorneys of Michigan understand the highly technical and evolving rules that may impact an individual’s eligibility for SSD, SSI, or both, including the alleged onset date of disability, DLI, countable resources, and more. These factors can become crucial factors even at the initial application stage. We specialize in assisting individuals with filing their initial applicati on through the appeals stage if necessary.  Contact us today  for a free consultation at (888) 678-5839.[i]  ssa.gov/OACT/COLA/QC.html.[ii] Note: there are additional criteria, primarily as it relates to citizenship and

Wednesday, February 26, 2020

Lancome Brand Management in China & USA Dissertation

Lancome Brand Management in China & USA - Dissertation Example Existing surveys about Lancome were utilized to discover the differences in customer acceptance in the two countries. To countercheck the findings of surveys, online articles, annual reports of L’Oreal, the mother company of Lancome, and other reading materials were considered as references. Primary survey of 20 Chinese respondents and 20 American respondents revealed the impact or brand management, brand equity, and brand equity value in terms of 65% of total demand for luxury cosmetics among the Chinese and 50% for the Americans. Findings showed that other than differences in preferences about what is considered beautiful and the differences in attitude as well as behavior of consumers with regards to luxury cosmetics, indeed the brand management theory is practiced in both countries. It states people value quality, consistency with good experiences with a product, and would also appreciate gaining added value from the same brand. Its value is initially gained from discoveries of risks with using the product. Since there are more competitors in the USA which are also branded and known to be safe and the market is saturated, Lancome in the USA faces price competition, whereas in China, due to less competitors that are known to be similarly safe cosmetics and many more cities do not have such a quality cosmetic, Lancome China has been growing faster in spite of the much higher prices of its products. Lancome cosmetics in the USA are known as Privilege Cosmetics while in China, it is a luxury with the best quali ty – safest to use, best value, consistent and predictable with the many years of its existence. Chapter 1: Introduction 1.1 Background Globalization of businesses and the need for developed countries to look for new markets have been challenging marketing managers to find ways and means to penetrate economies for quality products to be appreciated, accepted, and established. One effective way has been brand marketing. France, the home of Lancome brand managed by its mother company L’Oreal, had formulated this luxury cosmetics since 1935. It was Armand Petitjean who invented it while L’Oreal decided to own it by 1964. The success of this brand in the world market has reaped for the company $5.5 billion worth of brand value, according to Forbes (2012). Lancome was named # 75 most powerful brand covering all products worldwide. As of 2012, its sales total had reached $ 3.8 billion. L’Oreal brand is # 25. Avon is # 70. These three are under the same consumer packaged goods industry. Lancome has outperformed Avon in China through brand marketing management strategies since Avon is more on direct selling which is said to be â€Å"25% about the brand and 75% about the sales channel† (Kowitt 2012, par. 9). In North America, L’Oreal’s Clarisonic cosmetic brand experienced a â€Å"double-digit growth† in 2012 (L’Oreal 2012). 1.2 Objectives The overall aim is to prove that the principles in brand

Monday, February 10, 2020

Flood in Gilgamesh and Genesis Essay Example | Topics and Well Written Essays - 1250 words

Flood in Gilgamesh and Genesis - Essay Example Discussed in Tablet XI, the character of Utnapishtim maintains proximity with the respectful spiritual Biblical personality Noah, story of whom has been elaborated in details in different parts of the Old and New Testaments including Book of Genesis chapter 6 to 8. The similarities and dissimilarities between both these texts are analyzed in the following paragraphs: Genesis portrays the flood hero or Noah as a holy and spiritual personality (and prophet too), who obeyed all the commands of God in their true spirit and led a pious and sacred life. Contrary to the overwhelming majority of his nation, Noah always avoided practicing evil and turned down the filthy enticements made by the same satanic forces, which had paved the way towards the fall of Adam and Eve from heavens. Since the large majority of the people had got indulged into malpractices and wickedness of various types, Lord God the Creator, according to the Bible, had turned out to be fed up with the misdeeds of the childr en of Adam and Eve. Consequently, He had decided to send heavy rains from the sky causing a catastrophic flood, which would drown the entire humanity besides Noah, his family, and companions. Thus, God sent a command to Noah decreeing order of constructing a huge ark, where his family, companions and one pair each of every living creature could be ridden in the ark in order to preserve the generation of the creatures by protecting them from the ruthless waves of the flood. The ark would carry several apartments and portions, which will receive daylight and air for their survival. Hence, Noah’s flood, according to Genesis, was the outcome of the wrath of Almighty Lord because of the misdeeds and transgressions and sins and offenses committed by humans on the face of the earth; which destroyed the entire human generation consisted of violators, sinners, and mischievous individuals. The rain continued for forty days and nights, which destroyed every human being, animal, beast an d reptile existing on the earth, and even the high mountains were drowned deep in the water. Hence, the signs of life perished away in the heavy rain, and the earth was deprived of any kind of vegetation and greenery even. At last, the rain stopped, and the ark stayed at its destination after five months. However, it took five more months in the drying of the water. Noah relieved raven with the hope of the signs of life on earth, but it returned in a hopeless manner. Then Noah sent the dove, but it also returned in despair; however, its second return was hopeful as it had an olive branch in its beak, and on its third relieve, it did not return to Noah. Noah was ordered to step down the ark by the Lord, and he did the same along with his family. He built an altar and offered sacrifice to his Lord, and paid his humble gratitude for His favors and bounties upon him and his family. The epic of Gilgamesh shares many similarities with Noah’s tale, where flood took place in the same river Euphrates according to both the texts on which the ark or boat was to whirl. In addition, as the protagonist of Genesis, the flood hero of Gilgamesh was also instructed by the deity for building the ark.

Thursday, January 30, 2020

Discuss the character of Banquo and his role in Macbeth Essay Example for Free

Discuss the character of Banquo and his role in Macbeth Essay Banquo was one of Duncans brave generals. He was a man of honour and integrity. He held the same rank as Macbeth and they were very closely linked characters. They were courageous and loyal warriors. They both witnessed the Witches prophesies and their future successes were foretold throughout the play. Banquo had a generous spirit and a rational view of the world and had the attributes required by a good King, however, Banquo was an ambiguous character, in that he was sceptical of Macbeths manner following their encounter with the Witches. Macbeths beliefs worried Banquo, as he was a good man and he believed deeply in upholding Gods rule of order. Banquo sensed that the Witches prophesies prompted new reactions in Macbeth further encouraging his ambitions towards kingship. Banquos first encounter with the Witches was quite unbelievable to him and he remarked to Macbeth, What are these, So withered, and so wild in their attire, That look not like thinhabitants oth earth, And yet are on,t? , Banquos words describe Macbeths startled and uneasy reaction to the Witches prophesies, touching moral confusion in Macbeth by saying to him, Good sir, why do you start, and seem to fear Things that do not sound so fair? The half rhyme fear and fair echoes the Witches previous fair and foul. Although Banquo was not afraid of the Witches, he still wanted them to speak to him but at the same time he wished to remain detached from them. He addressed the Witches, saying, Speak to me, who neither beg, nor fear Your favours nor your hate. The Witches in turn replied, Thou shalt get Kings, though thou be none. The Witches directed most of their prophesies towards Macbeth and Banquo noticed how lost in thought his companion was because of this experience and remarked, Look how our partners rapt. When the Witches vanished, Banquo and Macbeth were astounded, wondering if what they had just witnessed was indeed real or just fantasy. When Banquo heard that Macbeth was to become Thane of Cawdor, in contrast to Macbeths excitement, he showed wariness and sensed that the Witches words might be deceitful by telling Macbeth, And oftentimes, to win us to our harm, The instruments of darkness tell us truths, Win us with honest trifles, to betrays In deepest consequence. Banquo is clear-sighted in his summary of the way of temptation. However, resisting the prophecies was a struggle, even for Banquo. He said to his son Fleance, Merciful powers, Restrain in me the cursed thoughts that nature Gives way to in repose! Banquo was clearly disturbed by all the strange events that had taken place. He was afraid to sleep and the Witches words returned to him in his dreams when he did so. After King Duncan was murdered, Banquo became very suspicious of Macbeth and was becoming concerned about his destiny. He spoke of this to the Kings son Malcolm, In the great hand of God I stand, and thence Against the undivulged pretence I fight Of treasonous malice. However, I criticize Banquo because of his passivity when he says, soon afterwards, Thou hast it all now, King, Cawdor, Glamis, all As the weird women promised, and I fear Thou playdst most foully fort: It was obvious that Banquo suspected Macbeths involvement in Duncans death, yet he took no steps against Macbeth. I suspect this was because Banquo had ambition too, like Macbeth when he says, May they not be my oracles as well, And set me up in hope? But hush, no more. Macbeths prophecy had come true, so he hoped, perhaps it would all happen for him and he would father a line of Kings. Banquos inaction and suspicions of Macbeth attracted Macbeths attention as his soliloquy in Act 3 denotes, Our fears in Banquo Stick deep, and in his royalty of nature Reigns that which would be feared. Then at the end of his soliloquy he really expresses his innermost thoughts by saying, Only for them, and mine eternal jewel Given to the common enemy of man, To make them Kings, the seed of Banquo Kings! This showed that he was determined that no- one would interfere with his kingship. Macbeth saw Banquo as simply too strong and honourable a rival to be left alive. Here again, we see that Macbeth and Banquo were closely linked. They were both tragic and doomed with flaws within themselves. Macbeth became obsessed by irrational passions, then anger and fear took hold, resulting in Macbeth having Banquo murdered. Macbeth held a banquet to celebrate his kingship which Banquo had agreed to attend as chief guest. He was indeed chief guest, but only visible to Macbeth as a ghost, taunting him, driving him insane with guilt. Macbeth felt this ghost was real, but it was only an extension of the evil in Macbeths troubled mind. This hysterical reaction in Macbeths vision aroused the suspicions of the lords attending. All this behaviour exhibited Macbeth as totally deranged, however, it was Banquo who finally exposed Macbeths deceptiveness by appearing to him as an avenging angel and deeply highlighting Macbeths guilt. There were contrasts in Banquos character. He was honourable to the King, yet, he was pathetic, unable to act when his suspicions of Macbeths evil were obvious. There is also evidence of contrast between Macbeth and Banquo in Act 2. I, when neither of them can sleep. Banquo was tormented by the Witches predictions and Macbeth was driven by them. Banquo really wanted what the Witches predicted, but at the same time he wanted to keep a clear conscience. He also observed how Macbeth changed from a loyal warrior into a self-seeking tyrant, but with everything happening so hastily he might not have had the time to act upon his suspicions and maybe he thought about the fact that his suspicions may have been wrong. Banquo clearly displays signs of ambiguity throughout the play.

Wednesday, January 22, 2020

Decisions Small Business Will Face in 2005 Essay -- essays research pa

What are some of the important financial decisions that small business owner will face in 2005? There are numerous issues such raising capital, accounting and bookkeeping, cash flow management, poor inventory management, over investments in fixed assets, poor credit arrangements, unexpected growth, and other economic factors that will affect a small business’s finances. The U.S. Small Business Administration has seen lots of small businesses com and, unfortunately, go. According to the SBA, over 50% of small businesses fail in the first year and 95% fail within the first five years (â€Å"Why Small Businesses Fail†, 2005, p. 1). With this fact in mind, one should seriously consider gaining a thorough understanding of finances and the effects it will have on their businesses.   Ã‚  Ã‚  Ã‚  Ã‚     Ã‚  Ã‚  Ã‚  Ã‚  In dealing with raising capital, one should consider how important his/her credit profile is to the loan equation. A small business should always strive to stay in good standing with all creditors, not only to gain favorable credit, but sometimes to gain cost cutting deals from just being a good customer which ultimately affects profits/losses. Debt-to-Income ratio is another important factor in raising capital. If your business has a high debt ratio, then you become a high risk investment. The most important issue in raising capital is if your request for funds logical and thoroughly justified. Lenders are in the business to make a profit, theref...

Tuesday, January 14, 2020

Introduction of Sociology Essay

1. I think that sociologist should try to reform society, based on what they have studied about sociology. Because the main job of those sociologists is to study and research about the society and the human behavior, they are the ones who understand it the best. As a result, they should reform it, not others. 2. If I were a sociologist, I would use all of sociological perspectives, because each perspective has its own advantage and disadvantage. * Symbolic Interactionism: According to the symbolic interaction’s perspective, people attach meanings to symbols, and then they act according to their subjective interpretation of these symbols. Conversation is an interaction of symbols between individuals who constantly interpret the world around them. Of course, anything can serve as a symbol as long as it refers to something beyond itself. However, with the example about applying Symbolic Interactionism to U.S. marriages and divorces over time, this perspective just shows the sligh ting the influence of social forces and institutions on individual interactions. * Functional Analysis (Functionalism, and structural functionalism) each aspect of society is interdependent and contributes to society’s functioning as a whole. This basic approach can be applied to any social group, whether an entire society, a college, or even a group as small as a family. Nevertheless, when any social group loses function, functionalism does not encourage people to take an active role in changing their social environment. * Conflict Theory: conflict theorists stress that society is composed of group that are competing with one another for scarce resources. However, with the example about Feminist, the conflict perspective shows that women are more powerful in making headway in their historical struggle with men. As the result, the combination of 3 perspectives is the best sociological perspective I would use.

Monday, January 6, 2020

Imperialism Causes - Free Essay Example

Sample details Pages: 1 Words: 439 Downloads: 10 Date added: 2017/09/20 Category Economics Essay Type Narrative essay Tags: Civilization Essay Government Essay Imperialism Essay Industrial Revolution Essay Did you like this example? The â€Å"New† Imperialism (1800-1914) †¢From 1770-1900: England took 50 Colonies, France 33, Germany 13, US 6, The Netherlands 4, Russia, 3, Italy 3, Spain 3, Japan 2, Portugal 2 and Belgium 1. †¢Ã¢â‚¬Å"The sun never sets on the British Empire. † (Edward VII) †¢Old Imperialism vs. New Imperialism: old imperialist states, though brutal and repressive at times, lacked the power to dominate their colonies (think Spanish in the Americas). However, with the combination of the Industrial Revolution, the unification of nation-states and a period of sustained economic prosperity, the new imperialists set their eyes on a more comprehensive form of domination. In short, M + N = I. I. Causes of New Imperialism i. Economic Benefits: the industrial revolution cried for raw materials and output markets ii. Political Apprehension: once the race for colonies was on, nations were compelled to enter the race in fear of being left in the dust (Africa). iii. Milit ary Might: the industrial machine mass produced new and exciting military technologies. Steam powered vessels needed coaling stations and islands and ports around the world were in demand. iv. Psychological Motivations: superiority feels good and fear and anxiety feel bad. Moreover, there is a certain pride and glory to the fight—especially when it is the fight for civilization v. Curiosity: adventurers wanted to experience (and dominate) other cultures. vi. Capitalism: imperialism is the natural manifestation of capitalism. Corporations, with government aid, profited brilliantly. Enter multinational corporations. vii. Social Darwinism: application of natural selection to the human species. European races were destined to follow their natural order and uplift and strengthen humankind viii. Humanitarian Concerns: missionaries and doctors felt compelled to civilize their â€Å"little brown brothers†. II. The Success of Western Imperialism (1870- 1914) i. Weakness o f Non-Western States i. The Ottoman Middle East ii. Mughal India iii. Qing China iv. West Africa ii. Western Advantages i. Industrialized Economies ii. Strong Militaries (with industrial weaponry) iii. Medical Technology (esp. quinine) iii. Mass Appeal of Imperialism i. The glory of sailors, adventure, diamonds, spices and mysterious Asia ii. Poetry and literature glorified imperialism (White Man’s Burden) III. Britain’s lead was challenged . Britain was the lead exporter of goods, money, entrepreneurs and services. Yet Britain was losing her monopoly on industrial capitalism. b. By the end of the 1800’s, Britain couldn’t decide of the colonies were worth it. Yet, in late 1800’s, they decided to tighten control on India (they needed resources to feed their industrial machine, they needed a market and they feared the competition) c. Imperialist Rivalries i. France, Russia, Germany, Spain and Portugal entered the race ii. Even Belgium, Italy and Germ any got in the African race iii. The United States desired Latin American and Eat Asia Don’t waste time! Our writers will create an original "Imperialism Causes" essay for you Create order