December 8,2014

I learned that I don't know anything about Rhetorical analysis.I write in this way all the time,Rhetorical analysis plays a major part in constructing arguments. It just dawned on me that when writing about opposing views I some how worked the others view point into my writings, critically examining their views.

December 4,2014

Today was a great day for me, finally I'm getting some relief from the Chicken Pox. LOL
A funny thing happen, my job wants me to come back to work while still under the care of my doctor. One word "Rediculas." I guess they must be short of help. I noticed when my employer is desperate for help they have no shame.

December 3,2014

The Constitution was written during the Philadelphia convention, now known as the constitutional convention, which was form May 25 to September 17, 1787. The American Dream is interpreted in the Constitution which to some people, is a document used to martin the privileges of certain groups while giving just enough rights and liberties to ensure the popular support persecuted minority were largely ignored by the country’s founding document, enabling. This very important document seems to have left out four major second class segments of American society: slaves, indentured servants, women, and men without property, as well as the Native Americans who, as a centuries of exploitation by the political and legal system. My Question, is The American Dream possible for everyone?

November 30,2014

Do you have enough money saved in your 4O1K or do you have a 4O1K  

Their is a huge concern that most Americans do not have enough saved money saved to maintain their life style at retirement. I have been checking with my investors and came across this article. I thought I would share it with you. I hope you find it interesting. P.S My investor are FIDELITY.

In June, investment management specialist Vanguard issued some seemingly positive news about current 401k balances in Vanguard accounts: The average workplace retirement plan balance topped $100,000 for the first time at the end of 2013, having nearly doubled from where it stood at the end of 2008.

The news isn't quite as rosy as it looks, though, because you should aim to far exceed the average 401k balance by retirement.

A critical differenceThe near-doubling in 401k balances is good news indeed. But that six-figure sum is the average. Themedian workplace retirement account balance at the same time was just $31,396 -- and the median is a more appropriate number to assess. As you surely know, the average is attained by adding all the accounts' values together and then dividing the sum by the number of accounts. Seems simple enough, but this figure can be distorted by a handful of extreme values.

The median number reflects what you would get if you ranked all the accounts by the size of their balance and then picked the one right in the middle. Imagine a series of five numbers: 50, 50, 50, 50, 300. Their average is 100, but their median is 50. If they represented 401k balances, which number would more accurately reflect the typical saver's situation? Given the average and median balances of $101,650 and $31,396, respectively, it's clear that some people have very big balances, while most do not. The "typical" saver has just $31,396.

Photo: TaxCredits.net via Flickr.

Not enoughSo the situation is worse than it seems. And even if everyone had a 401k balance of $101,650, that wouldn't be ideal. Yes, young people would be in good shape, because they could grow that balance into $1 million or more over the course of decades. But someone in their 50s or 60s would be in poor shape. The average 401k at retirement, according to Fidelity and Vanguard, is well below $200,000, and the median 401k balance is likely lower still. That's just not enough for most folks.

Think about it this way: A widely accepted rule of thumb is that you can withdraw 4% of your retirement nest egg to live off of in your first year of retirement, and then adjust further withdrawals for inflation. That might sound good until you crunch the numbers. Four percent of $200,000 is a mere $8,000. Even if you add the average annual Social Security benefit for retirees of about $15,528, you're still below $25,000.

The good newsDespite the worrisome perspectives above, unless you're retiring today, there are probably some steps you can take to improve your financial condition. Here are some effective strategies to consider:

• Don't cash out that 401k! According to stats from Fidelity, about a third of 401k participants in plans managed by the financial services company cashed out in 2013 when moving to a new job. That can be lethal to retirement savings. Even if you're "only" cashing out, say, $20,000, that amount could grow to $135,000 in 20 years (assuming average stock-market returns), serving as a meaningful cushion in your golden years, rather than helping you pay for a newer car this year.
  
• Save and invest more. That old rule of thumb to sock away 10% of your earnings might be fine if you start at age 25, but for most folks, who are not close to reaching their retirement savings goals, it's smarter to aim for 15% or more.

Photo: TaxCredits.net via Flickr.

• Invest more effectively. As you save more, don't just stuff those savings into a coffee can or a low-interest-rate account -- at least not if you have many years ahead of you before retiring. Make the most of those dollars and favor stocks over bonds. A simple and inexpensive broad-marketindex fund hard to beat -- even for most professional fund managers. Healthy and growing dividend-payers are also great for building long-term wealth with low risk. (You can access some high-yielding stock recommendations at the end of this article.)
  
• Work longer. Few people want to work longer than they planned (and not everyone gets to choose when to stop working), but if you can swing a few extra years, you can boost your nest egg powerfully. Imagine, for example, that you've socked away $300,000 by the year you would retire. If you delay retiring for three more years and achieve average annual growth of 8%, that nest egg can approach $380,000 -- and you won't have to start drawing down your savings as soon.
  
• Be tax-smart. The Vanguard report also noted that the average 401k plan participant socked away $8,327 into his or her account in 2013. That's far below the maximum, which was $17,000 in 2013 and is $17,500 in 2014 (and those aged 50 and older could chip in an additional "catch-up" contribution of $5,500 in both years). Aggressively take advantage of tax-deferred accounts such as traditional IRAs and 401ks and tax-free retirement accounts such as Roth IRAs and Roth 401ks.
  
• Think outside the box. Be creative in your thinking about how to accumulate more money and/or spend less. You might, for example, turn a hobby such as woodworking into a side business. You might take in a boarder. You might carpool or bike to work. Relocating might seem extreme, but a dollar goes a lot further in certain parts of the country. A part-time job for a year or two could add thousands or tens of thousands to your nest egg.

The average 401k at retirement is insufficient to support most people in retirement, so don't let it be your benchmark. Aim higher, and with some strategizing, your financial future can be considerably improved.

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november 27 2014

I am so thankful, today My daughter and I will go Ice skating for the first time ever.We had a ball ,it was hard at first But as we kept skating the better we got. My daughter and I  had the time of our lives. This was a last minute decision. Hope my family will forgive us for skipping Thanks Giving Dinner ,for some mother ,daughter time. Thank you God for a wonderful daughter.

Novenber 26,2014 Great

Q: What does a nosey pepper do? A: Gets jalapeno business!

 Q: What do you call a fake noodle? A: An Impasta

 Q: What do you call an alligator in a vest? A: An Investigator 

Q: What happens if you eat yeast and shoe polish?A: Every morning you'll rise and shine 

Q: "What's the difference between a guitar and a fish?" A: "You can't tuna fish." 

Q: Did you hear about the race between the lettuce and the tomato? A: The lettuce was a "head" and the tomato was trying to "ketchup"!

 Q: What do you get from a pampered cow? A: Spoiled milk. 

My daughter is now a comedian, I have to put up with the funniest jokes ever, at least I think they are funny. I can remember when I was a little girl and all the crazy phases I went thorough. It is truly my pleasure. Thanks GOD

November 22,2014

To day I'm  at work, and is a blessing to have a job, that you like.My only problem is that the staff has been making some life threatening mistakes.I watch over my nurses an help within my job discipline . But this is huge. I  know for a fact that other hospitals are the same. Their should be some kind if investigation into hospital care, not to get nurses in trouble but to  fix this problem that has pledged our hodpitals. What do you think?

NOVEMBER 19,14 POST 16

while writing and doing research something dawned on me.The fact that in every thing I read Logos,Pathos,Ethos and Kairos seem to be in everything I read. the concept of audience based reasons to enhance logos underlining assumptions,ethos and pathos helping to identify the audience by interring into their believe system. And don't let me forget kairos and how it deal with the timeline and how certain explanations fit in a sentence.

November 17,2014 post 15

Facebook 

I am new to facebook, my reason for getting a facebook was to keep in contact with family and friends.What is interesting to me is how people make these one to three minute movies of themselves doing the most inappropriate acts and using the most foul language.is their a way to get these people off my face book page? please let me know

november 16,2014 post14 Kairos

Karios  :The time and  Fitness of my argument in my paper is very important, after I state my thesis then my three topic sentences.A I discuss my topics  I will in a timely fashion start informing my reader of the many important reasons their is to getting a BSN degree verses getting  RN degree.Even though both degrees are respectable both degrees have their down falls. these positives and negatives will be talked about in order to fit the writings logic, sympathy, and cranologic  order in regards to these professions.

November 14,2014 "Pathos" number 13

Pathos will relate to my paper by appealing to sympathy, which will help readers understand my view point.  Before I read about pathos and understood how to use this as a persuasion,I did think pathos would be any good for my paper.

Ethos november 12 no 12

 

How I will be creating an Ethos effect in my paper. My paper is about the education system of nursing and how the nurses feel about the Registered Nurse Degree and the Bachelors of science in Nursing Degree. I will command the attention of my audience with examples,personal experience and statistics. I will be knowledgeable, fair and  respectful while empathizing  with others view points with grace and dignity.

november 8 ,2014 no 11

If that exam were a patient,you would back down. That's what I had to tell myself. After all my years of experience, I was terrified I wouldn't pass, And then I realized something. I save lives every day! why should I be afraid of a test?  That is the attitude of so many Professional in Nursing. After being stressed out for 4 years of nursing school,now more stress, and I don't know if this company is legitimate. My point is their are hundreds of certifications and no way of knowing if your certifications are legitimate until someone  administrator  of a hospital informs you that your certifications  are not acceptable where you are working.

post 10 No Matter what

I've learned that no matter what happens, or how bad it seems today, life does go on, and it will be better tomorrow. I've learned that you can tell a lot about a person by the way he/she handles these three things: a rainy day, lost luggage, and tangled Christmas tree lights. I've learned that regardless of your relationship with your parents, you'll miss them when they're gone from your life. I've learned that making a "living" is not the same thing as making a "life." I've learned that life sometimes gives you a second chance. I've learned that you shouldn't go through life with a catcher's mitt on both hands; you need to be able to throw something back. I've learned that whenever I decide something with an open heart, I usually make the right decision. I've learned that even when I have pains, I don't have to be one. I've learned that every day you should reach out and touch someone. People love a warm hug, or just a friendly pat on the back. I've learned that I still have a lot to learn. I've learned that people will forget what you said, people will forget what you did, but people will never forget how you made them feel.”
― Maya Angelou

post 10 A walk down memory lane

                                                                                                                                                                                                       

Ruth and Mae's

Natural Hair Products

                                                                                                                                                                                               

Yesterday I found out that my cousin was making natural hair care products. To my surprise our beloved grandma and great aunt pictures are on advisement as well as other family members modeling in the ad. I my first reaction was wow I miss my family. I totally gave her my blessing. I wish her the best with the business, And  I thank her for the walk down memory lane.

 

http://www.ruthandmaes.com/

How I have Illogically thought of people in other groups post 9 NOV 2,2014

                                    My  illogical thinking started when I was a little girl. My family is African American and Italian. All through marriage this happened and we grew up happy, and most of all  my aunt and uncle were happily married. while growing up in this wild family I always heard negative whispers from outsiders and some times racial remarks. As a little girl I thought only Italians liked African Americans until I made friends with other Caucasian races. I learned at a early age that color has nothing to do with love, and some people are afraid and ignorant of different cultures so they act out inappropriately.

POST NO 8 Logical fallacy in popular media NOV 1,2014

    Logical  fallacy in popular media 

I always knew that the media had lots power  in how they report and edit, Stories depending on  personal opinion of a person or issue. These opinionated pieces of journalism can be found being used by The world News which is known for legitimate sources to such as The Enquire Who has illegitimate sources of information. They  both use fallacy in the same ways to argue illegitimate arguments or revelent points, and are often identified because they lack evidence that supports their claims. In a nut shell its all about the influence or persuasion. But we the people must not be influenced or persuaded by anyone. Resourceful facts and our common sense should ultimately make our decisions.

October 31 not 7 Doc 1

I want to do well, so I decided to do more research on my topic.What I learned is that the research part is really interesting, becomes while searching for one topic I get off track reading other interesting articles.I find that I have to keep reminding my self of my topic. There is some really great articles in the library.

October 22,14 post5

This is a post about the annotated bibleography.For me it was so hard to research the topic of night school scheduling, the reason was, night school in general have so many problems.I really belive in this topic and hope that I can represent the topic in a respectable way. Hopefully getting better every day.

October 17,2014 post4

           This blog is about Doc 1, I have not come up  with any solid information. I'm still brainstorming and exploring ideas. The topic of Night Scheduling issues. This topic is so interesting because there is surely a problem. Hopefully  I can get some great information for my group.







  any                                                                                    solid  information.Still in the process of brain storming