Commentary First Quarter 2016 Plan Performance Rankings

Financial Professional Content Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-, three-, five-, and 10-year investment performance. We rank plans that consumers can enroll in directly, as well as those sold through brokers and fee-based financial planners). In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. We use a subset because plans vary greatly in their underlying investment options. We use a representative subset of options to compare plans on an apples-to-apples basis. The "performance score" determines the ranking. For more details, please view our methodology. Top performing 529 plans For the most part those plans that have performed well continued to perform well. A few outliers such as Virginia529 inVEST and SMART529 WV Direct did not place in the top ten in the three- or five-year periods despite top placement over one- and ten-years. In both cases, though, the plans were just outside their respective top tens. Plan Name Top 10 Periods (Years) Alaska: T. Rowe Price College Savings Plan 5, 10 Alaska: University of Alaska College Savings Plan 3, 5, 10 District of Columbia: DC 529 College Savings Program (Direct-sold) 3, 5, 10 Florida: Florida 529 Savings Plan 3, 5, 10 Illinois: Bright Start College Savings Program -- Direct-sold Plan 1, 5 Iowa: College Savings Iowa 5, 10 Louisiana: START Saving Program 3, 10 Maine: NextGen College Investing Plan -- Client Direct Series 3, 5 Michigan: Michigan Education Savings Program 1, 3, 5 Missouri: MOST - Missouri's 529 College Savings Plan (Direct-sold) 1, 3, 5 Nebraska: Nebraska Education Savings Trust - Direct College Savings Plan 1, 3, 5 New York: New York's 529 College Savings Program -- Direct Plan 1, 3, 5, 10 Ohio: Ohio CollegeAdvantage Direct 529 Savings Plan 10 Pennsylvania: Pennsylvania 529 Investment Plan 1, 3, 5 South Carolina: Future Scholar 529 College Savings Plan (Direct-sold) 1, 3 Tennessee: TNStars College Savings 529 Program 1, 3 Utah: Utah Educational Savings Plan (UESP) 5, 10 Virginia: Virginia529 inVEST 1, 10 West Virginia: SMART529 WV Direct College Savings Plan 1, 10 ï ¿ ½ Source: Savingforcollege.com 1Q16 market commentary As would be expected, 529 plan rankings remained stable over longer periods; five- and 10-year returns as of 3/31/16. However, one-year rankings shifted significantly from their 4Q15 positions due to high market volatility during 1Q16 ï ¿ ½ specifically, January and February ï ¿ ½ coupled with the falloff of 1Q15 returns, as the same period one year ago had been quite volatile, as well. First quarter markets ended relatively flat, but the beginning and end donï ¿ ½t tell the story in the middle, when concerns about oil prices, weak U.S. profit growth, and a lack of confidence in the Fed led to a sharp decline. Indeed, if you just looked at total return for the period, youï ¿ ½d never know the market, using the S widening spreads were further evidence to the volatility and anxiety that were pervasive throughout the quarter. First Quarter 2016 S&P 500 Returns Source: Yahoo! Finance 529 plan performance was similarly flat in the same first quarter period of 2015 with high intra-period volatility. The minor 0.13% gain in the S&P 500 belies the virtual roller coaster of the equity markets during the period. First Quarter 2015 S&P 500 Returns Source: Yahoo! Finance As a result, we saw huge movements in short-term rankings. Some of the biggest movers in the one-year period: The Kansas Learning Quest 529 Education Savings Program went from a rank of 36 up to 20. North Carolinaï ¿ ½s National College Savings Program rose from 33 to 16. Virginia529 inVEST went from a bottom-half one-year return rank of 28 to end in the top-ten at position eight among its peers. The University of Alaska College Savings Plan had been in position 39 for its one-year return at the end of 4Q15, but rose to 19 at the end of 1Q16. At the end of 4Q15, not nearly so many plans changed positions over the one-year period as did in 1Q16 due to lower market volatility and relatively steady market movements. This only serves to reinforce the notion that short-term performance is, generally, less relevant than long-term performance. There are good reasons for investment disclosures including the language, "Past performance is not necessarily an indicator of future returns." 2Q16 expectations Thus far 2Q16 has been a period of steady growth, and the second quarter of 2015 was less volatile that the first quarter, so it would be reasonable to expect rankings to remain relatively stable for the next quarter. However, with the impending change in program manager in Rhode Island, rankings may be changing in the coming year. A big change in the underlying investments and fee structure of a plan with extensive performance history may have a broad impact on the relative rankings. You can find the full performance rankings here. Financial Professional Content Each quarter Savingforcollege.com analyzes the investment performance figures for thousands of 529 portfolios and ranks the 529 savings plans from best to worst for one-, three-, five-, and 10-year investment performance. We rank plans that consumers can enroll in directly, as well as those sold through brokers and fee-based financial planners). In producing our rankings, we compared the reported investment performance of a subset of portfolios from each 529 savings plan. We use a subset because plans vary greatly in their underlying investment options. We use a representative subset of options to compare plans on an apples-to-apples basis. The "performance score" determines the ranking. For more details, please view our methodology. Top performing 529 plans For the most part those plans that have performed well continued to perform well. A few outliers such as Virginia529 inVEST and SMART529 WV Direct did not place in the top ten in the three- or five-year periods despite top placement over one- and ten-years. In both cases, though, the plans were just outside their respective top tens. Plan Name Top 10 Periods (Years) Alaska: T. Rowe Price College Savings Plan 5, 10 Alaska: University of Alaska College Savings Plan 3, 5, 10 District of Columbia: DC 529 College Savings Program (Direct-sold) 3, 5, 10 Florida: Florida 529 Savings Plan 3, 5, 10 Illinois: Bright Start College Savings Program -- Direct-sold Plan 1, 5 Iowa: College Savings Iowa 5, 10 Louisiana: START Saving Program 3, 10 Maine: NextGen College Investing Plan -- Client Direct Series 3, 5 Michigan: Michigan Education Savings Program 1, 3, 5 Missouri: MOST - Missouri's 529 College Savings Plan (Direct-sold) 1, 3, 5 Nebraska: Nebraska Education Savings Trust - Direct College Savings Plan 1, 3, 5 New York: New York's 529 College Savings Program -- Direct Plan 1, 3, 5, 10 Ohio: Ohio CollegeAdvantage Direct 529 Savings Plan 10 Pennsylvania: Pennsylvania 529 Investment Plan 1, 3, 5 South Carolina: Future Scholar 529 College Savings Plan (Direct-sold) 1, 3 Tennessee: TNStars College Savings 529 Program 1, 3 Utah: Utah Educational Savings Plan (UESP) 5, 10 Virginia: Virginia529 inVEST 1, 10 West Virginia: SMART529 WV Direct College Savings Plan 1, 10 ï ¿ ½ Source: Savingforcollege.com 1Q16 market commentary As would be expected, 529 plan rankings remained stable over longer periods; five- and 10-year returns as of 3/31/16. However, one-year rankings shifted significantly from their 4Q15 positions due to high market volatility during 1Q16 ï ¿ ½ specifically, January and February ï ¿ ½ coupled with the falloff of 1Q15 returns, as the same period one year ago had been quite volatile, as well. First quarter markets ended relatively flat, but the beginning and end donï ¿ ½t tell the story in the middle, when concerns about oil prices, weak U.S. profit growth, and a lack of confidence in the Fed led to a sharp decline. Indeed, if you just looked at total return for the period, youï ¿ ½d never know the market, using the S widening spreads were further evidence to the volatility and anxiety that were pervasive throughout the quarter. First Quarter 2016 S&P 500 Returns Source: Yahoo! Finance 529 plan performance was similarly flat in the same first quarter period of 2015 with high intra-period volatility. The minor 0.13% gain in the S&P 500 belies the virtual roller coaster of the equity markets during the period. First Quarter 2015 S&P 500 Returns Source: Yahoo! Finance As a result, we saw huge movements in short-term rankings. Some of the biggest movers in the one-year period: The Kansas Learning Quest 529 Education Savings Program went from a rank of 36 up to 20. North Carolinaï ¿ ½s National College Savings Program rose from 33 to 16. Virginia529 inVEST went from a bottom-half one-year return rank of 28 to end in the top-ten at position eight among its peers. The University of Alaska College Savings Plan had been in position 39 for its one-year return at the end of 4Q15, but rose to 19 at the end of 1Q16. At the end of 4Q15, not nearly so many plans changed positions over the one-year period as did in 1Q16 due to lower market volatility and relatively steady market movements. This only serves to reinforce the notion that short-term performance is, generally, less relevant than long-term performance. There are good reasons for investment disclosures including the language, "Past performance is not necessarily an indicator of future returns." 2Q16 expectations Thus far 2Q16 has been a period of steady growth, and the second quarter of 2015 was less volatile that the first quarter, so it would be reasonable to expect rankings to remain relatively stable for the next quarter. However, with the impending change in program manager in Rhode Island, rankings may be changing in the coming year. A big change in the underlying investments and fee structure of a plan with extensive performance history may have a broad impact on the relative rankings. You can find the full performance rankings here.

A Synthesis Of Learning Across Topics - 2233 Words

Social Science and Medical Ethics: A Synthesis of Learning Across Topics Introduction: Allan Brandt (1997: 2) in the book â€Å"Morality and health: Interdisciplinary Perspectives†, begins with the assertion that health and morality are â€Å"deeply and fundamentally entangled.† He is not alone in this view. De Vries (2007), as cited in Harden (2014a), states that â€Å"The predominantly medical battle against obesity could then also be explained not because of the potential harmful effects of obesity on health, but by an inclination to medicalize behaviour we do not find acceptable.† What these two perspectives share is the concept that the knowledge of medicine is intrinsically linked to the social circumstances of the lay people and medical†¦show more content†¦In the third section, we will examine the role of the social sciences in deconstructing patient experiences of healthcare through concepts like the role of the doctor and the lay expert. We will apply this to different modes of doctor-patient communication and decision making, an d explore the use of patient narratives in clinical care. This will be tied to the concept of social construction of illness through patient experiences. The final section will outline the role of medical ethics in influencing medical treatment, examining the way in which various ethical theories and principles serve to resolve issues related to the social determinants of health, and doctor-patient relationships, and the significance of concepts like confidentiality, consent, autonomy, and justice in discussing patient experiences. The social construction of medical and lay knowledge about health, illness and disease. Blaxter (2004), calls upon the concept of social construction to examine disease categorization and treatment in lay and medical context, demonstrating how this both reflects and serves to reinforce social hierarchies and perceptions. In her view, not only the categorization but the very experience of disease faced by healthcare professionals and lay people are socially constructed. Blaxter

Sitting In That Room, You Wait Anxiously For The Arrival

Sitting in that room, you wait anxiously for the arrival of the nurse with the bag of â€Å"goodies.† As the door opens, she walks in and sets the needles beside you. Then a stench of alcohol is released in the air as she rubs the wipe on your arm. Then she counts down, â€Å"3-2-1.† That is when you feel the pinch of a needle. That was not so bad, considering that the vaccine is going to protect you. Parents should make their kids get vaccinated because it protects them from the diseases that run through the world. Fear of autism is leading to a fear of vaccines; however, vaccines are critically important for children’s health. Disneyland, California is supposed to be one of the happiest and most magical place on Earth. Hundreds of people visit†¦show more content†¦Vaccinations are one of the studies that will never die and will continue to shock people. The first vaccine was invented by an English scientist, Edward Jenner in the late eighteenth century . He was helping solve a case of the smallpox that was running through a little boy (â€Å"Vaccine Debate†, 1). It was a success and that is when the first vaccine was invented. Today, we have learned more and more about these type of vaccines. We have created some of the most prestigious needles to help cure different viruses. We are able to live longer with these immunizations and are able to help create a better living environment. However, vaccinations could take another side. Fear has crept into the minds of parents. The fear of something going wrong; the fear of it not working; and the fear of autism. Autism has crossed the minds of many in different states. The reason is of a study done by one scientist. All it took was one study to send the world into panic. Andrew Wakefield, a British scientist, shocked the world with the lab results he recorded. He found that vaccines can spread autism by mutating DNA (â€Å"Vaccine Debate†, 1). Of course, this study is goin g to send terrible thoughts into the minds of parents getting their child vaccinated. Only one scientist completed this study and it was published all over the books, magazines, and internet. Years later, other scientists did not believe this was an accurate study due to it being only a â€Å"one man’s† study.Show MoreRelatedThe And She Lived Happily Ever After2711 Words   |  11 Pagesabruptly by slobber all over her face, Lisa was only dreaming. Her dog had snuck into her room and awoken her with his good morning kisses. As a tear trickled down her face, her repeated dream of her dad reading her a story was no reality. Lisa’s dad was enlisted in the army and had been gone for now five years, which felt like an eternity. His term was soon to be over and Lisa’s family has been anxiously waiting for this day to come. Her dad has been unable to come home for quite sometime becauseRead MoreJennifer Sandoval Miss Longino Period 1 The Truth About Maleficent I am one of thirteen sisters.2800 Words   |  12 PagesPeriod 1 The Truth About Maleficent I am one of thirteen sisters. If you think it’s hard to get along with your siblings, imagine thirteen fairies abusing their abilities without rest in a small house just past the eastern village. Being the youngest, I sometimes feel my gift was what all that was left over. My sister Akila has the gift of beauty, Cass with the gift of riches, Agatha with goodness, and so on with every great gift you could imagine. I, on the other hand, was given the gift of wishfulnessRead MoreEssay On Ambeth9414 Words   |  38 PagesHe fit the part of a villain perfectly, down to the streaks of gray hair at his temples in his jet-black hair. His obsidian eyes narrowed as they scanned her face. â€Å"Why are you doing this to us? My husband is gone. 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Chef dan Butler free essay sample

The same cannot be said of the server imple yes, but definitely a nuisance. While his freelancing was counterproductive to the kitchen and probably motivated by the waiters desire to increase his tips (and prove his culinary prowess to be superior to the chefs), it shows that the power of suggestive selling, when used properly (unlike in this case) can be a terrific tool to keep your refrigerator inventory turning over at a healthy pace. You can write a lilting description of your venison chops with rosemary and caramelized onion crust so beautiful that it would make Shakespeare Jealous but until your waitstaff gets behind t, you might not want to pre-sear any of those chops. That requires inspiring your servers to become sales-minded professionals. That can be a tall order if youre not running a well-respected and expensive restaurant in a big city, say like Union Square Caf, in New York, where staffing your restaurant with quality, career servers is a relatively easy task. We will write a custom essay sample on Chef dan Butler or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Servers who are motivated by a progressive healthy and vibrant workplace and, Oh yeah, a very healthy wallet bulge, are naturally attracted to such environments. Theyre even willing to compete to work there. But how does a chef in Wichita or Wilmington inspire his staff? A premeal meeting between the chef and the waitstaff should be a routine in every restaurant. Ours always happens at the tail end of the employee meal time, Just before service. Its a stolen moment of calm when the chef speaks to the servers like humans and explains not only specials but also tries to instill his passion in the front-of-the-house staff. When the chef shares his enthusiasm and pride, the feeling can be infectious. But to really get the waitstaff behind selling an item, have them taste it. When the waitstaff can speak from experience instead of reading from a card, their genuine enthusiasm is irresistible to the customer. The premeal meeting is also a time when servers can give feedback to the chef about prior specials or new menu items. The chef needs to leave his ego handcuffed to the Vulcan range when this exchange takes place because the feedback cant and shouldnt always be positive. But as long as the customers comments (and decidedly not the servers) are presented in a constructive manner, the chef has only to gain by listening and acting accordingly. Chefs Notebook: Conducting a Preservice Meeting Always hold a premeal meeting to discuss the days specials or any special circumstances of the upcoming shift. Have the waitstaff taste any specials or, in fact, anything you want to move. If they can recommend from experience, their pitch has instant credibility. Provide buzzwords but encourage them to embellish on their own. Specity ingredient origins whenever possible, like Oregon morels and Jersey tomatoes. Listen to customer feedback, especially negative, with an open mind. Its invaluable information but only if its used. Chefs Notebook: Responding to a Returned Meal Dont be defensive. Take the opportunity to investigate to make sure that your product is sound. Analyze the validity of the complaint only to avoid repeating the problem, not to dispute the customers claim. Offer a small, quickly-made appetizer for customers to nibble while their dish is refired. Servers should be quick to suggest an alternative to the offending meal. Be sure to acknowledge the difficulty with something special. Dont exacerbate the situation by dwelling on the complaint. Work harder on making the solution as peedy as possible. Be apologetic but dont go overboard unless the situation really warrants. Case Study: The Chefs Role in Developing Server Salesmanship: Inspiring Your Wait staff in Wilmington and Wichita Members: Vince Martin Flores Dezerie Mae Pronto Angel Lyn Dela Cruz Dan Lendel De Guzman Dominico Soriano Vince Rey Carl Lozano Marionne Gayanilo Jaymie Ocampo Paulo Infante S. W. O. T Analysts Strengths A pre-meal meeting between the chef and the waiter staff should be a routine in every restaurant. Its a stolen moment of calm when the chef speaks to the servers ike humans and explains not only specials but also tries to initiate his passion in the front-of-the-house staff. The chef shares his enthusiasm and pride, the feeling can be infectious. The waiter staff behind selling an item, have them taste it. When the waiter staff can speak from experience instead of reading from a card, their genuine enthusiasm is irresistible to the customer. Weakness The pre-meal meeting is also a time when servers can give feedback to the chef about prior specials or new menu items. The chef needs ego to handcuffed to the Vulcan range when this exchange takes place because the feedback cant and shouldnt always be positive. Opportunities Listen to customer feedback, especially negative, with an open mind. Its invaluable information but only if its used. Provide buzzwords but encourage them to embellish on their own. Specify ingredient origins whenever possible, like Oregon morels and Jersey tomatoes. circumstances of the upcoming shift. Threats Dont exacerbate the situation by dwelling on the complaints. Dont be defensive to customers. A returned meal of a customer.

How to Buy Research Papers Cheap

How to Buy Research Papers CheapSo you want to know how to buy research papers cheap? Well, there are a few things you need to know about this process. The first thing you will need to do is find a reliable web-based research company.There are several companies online that are willing to sell you their research. If you know where to look, the process can be much easier. Try asking around the office. It may be difficult to get a good price on research paper if you don't ask around in person, but if you approach a reputed company, they will have a lot of experience with selling paper.You will need to use a search engine to find out who has a discount program. You should be able to find this out in your local phone book or your town's newspaper. Once you find the company you are interested in, take a note of the name and number.Now you will need to contact the company and find out what information you need on the research paper. If you are buying online, take a screenshot of all the inf ormation you are given. You will be asked for information like the paper name, publisher, area of publication, date of publication, size, etc. This information is what you will need when you sell the paper.You will also be asked about the number of copies that the company's research paper will be in. This is important, because if you want to keep one copy on file for later reference, then you will have to purchase the number of copies, not the paper itself.There are companies that will sell you the number of copies you need, but this can be tricky. When you go with a company that will sell you the number of copies, the price you are offered will be in line with what you would be paying if you bought the paper. Be careful not to sign up for more than you actually need, or you will end up paying a lot more.One of the best ways to find out how to buy research papers cheap is to go directly to the source. You can find out how to get the best price for your research papers by doing a lit tle research online.

All About Essay Paper Samples

All About Essay Paper Samples Your tutor isn't going to determine the fact you used the service. Locating a trustworthy essay writing service might not be that hard. Locating a worthy essay writing service at an inexpensive price isn't a simple endeavor for an inexperienced student. A paragraph is a group of sentences associated with aspects of the identical point. You are very fortunate you have just stumbled upon the ideal essay writing service on the marketplace! Now you know a bit about what online essay writers do, there are a variety of important reasons why you need to only trust experienced academic writers to supply you with an adequate paper. Our writing services are the greatest solution. Our group of writing professionals is composed of graduates and teachers proficient in various disciplines. For quite a few reasons, students cannot always complete their assignments in time or with the amount of quality they should earn the grades they want. The Battle Over Essay Paper Samples and How to Win It There are broadly four kinds of essays. Maybe you're not happy or pleased with the work done, do not worry. It's possible to order components of papers you're assigned to write also. When it has to do with academic papers, occasionally it can not be possible to fulfill all deadlines and stick to high academic standards. The Honest to Goodness Truth on Essay Paper Samples Rewrite the essay according to that revised plan and resist th e inclination to panic in the center, tear this up and begin all over again. The use of the introduction is just to introduce the subject, to explain how you comprehend the question, and describe briefly how you plan to cope with it. Once you've got an outline, its time to begin writing. The next thing to do is to outline what you're going to write about. Despite this kind of unpromising start, today it's so a lot more than that. Today, among the most regularly practiced ways to fix educational problems is ordering written papers. If you attempt to google something like buy essay on the internet or even do my homework for me, you will observe hundreds of return effects. You risk obtaining a minimal grade as teachers are extremely strict about every mistake they find. No matter the reason, if you are unable to compose an assignment, you've got to locate a way out of your panic. Finish the register form on the represented essay writing website, in the event you made a decision to make a purchase. In here you'll discover a lot of helpful suggestions on essay writing process. In the event you're indecisive to pay a person to compose your essay, explore other facets of our websites or contact our support team for any extra guidelines. Ruthless Essay Paper Samples Strategies Exploited You simply turned in your essay, and it's okay. Essays can be both formal and informal. An essay has to be composed of an introduction, a body, and a conclusion. Don't be afraid your essay is going to have incorrect structure. Formal essays are normally academic in nature and tackle significant topics. An essay outline is a set of ideas and ideas applicable to the subject issue. The thesis will often be utilized in your introductory paragraph. Your thesis is the principal point of your essay.

Essay Topics for Grade 12 - Finding Excellent Essay Topics For Students

Essay Topics for Grade 12 - Finding Excellent Essay Topics For StudentsThere are many reasons why people go for the Othello essay topics. If you are looking for a specific course, it's easy to look up the topic, but when you want something that is general and teaches you how to write an essay, you will need to find a selection of essays that suit your requirements. This can be a difficult task for some, because, if you use the wrong selection, you may not get the grades you were expecting. While this is common sense, there are more than a few cases where the topic chosen is just wrong for your level of writing.First of all, you should try to avoid using one, unless the one you have chosen is simply not good enough. You can find these by finding people who used the same topic, but they all scored lower than you did on the standard academic essay. Of course, you don't want to use one as your first option, but if you get yourself into a situation where you have to, you should find a sel ection that can get you the grades you expect.Some people prefer Othello essay topics that come with sample essays that you can read before taking the course. The problem is that they may be out of date, so they may not be able to help you get the grades you want. Of course, you can check out the forums, and then you can start to get ideas. However, you won't find a lot of helpful information, as most of the topics here are simply recycled from other sources.A better idea is to look for essays that have topics similar to what you're looking for, but which don't come in the form of sample essays. Often, it's better to have an idea in your head, so it can guide you throughout the essay. The fact that the topic is basic is another point to look at, as you might not be able to use a topic that focuses on history or religious themes if you're writing something more professional.When you do find a selection of essays that have excellent Othello essay topics, you can then choose one based on your style. This is very important, because you won't get any more practice with writing this type of essay than you would if you had used the one you're given.In conclusion, there are quite a few things to keep in mind when you're looking for essays that have good Othello essay topics. To begin with, you'll need to take into account your level of writing ability. It's not always worth spending money on such an expensive course, when it's going to waste time for the rest of your life.Another thing to remember is that if you really want to focus on the topics in the Othello essay topics, make sure you spend a few hours every day on them. Even if you don't use them as a basis for your writing, you'll still benefit from them. Remember, all they are good for is writing essays.