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The Spirit Catches You And You Fall Down Essay Topics
Sunday, August 23, 2020
Phase 2 Weekly Discussion Assignment Example | Topics and Well Written Essays - 750 words
Stage 2 Weekly Discussion - Assignment Example The basic advantage of authoritative undertaking the executives is to encourage comprehension of the hierarchical procedures that impact the ability to mange the conveyance of tasks. This paper plans to address addresses, for example, how venture the executives is seen inside associations, what the worth can be brought by venture the executives into the association and what hindrances that may exist in the midst of the field of task the executives. This paper analyzes these inquiries corresponding to level application to the HLR Inc (Harry and Schroeder, 2000). How is venture the board seen inside associations? Not all the organizations see venture the equivalent. Some accept tat it is a method of accomplishing objectives while different firms see venture the executives as a danger. Task the board being a specific field, which needs master showed information specifically segments of business of assessing and bringing up explicit venture dangers with a plan of lessening foreboding dan gers and underwriting in each prospect that would profit the undertaking (Deeprose, 2002). Basically, venture the executives is underestimated ability by lion's share of the undertaking directors. This is on the grounds that it is subject to assorted conclusions dependent on the region of work. This adds to the primary point of view, which sees venture the board as a misjudged angle inside certain enterprises, however positively in businesses, for example, HLR Inc, it stays a focal component in the general administrative procedure and system usage proposed to accomplish the authoritative objectives (Deeprose, 2002). It is noticed that differing suppositions and points of view characterize the authoritative venture the board however the merged position prompts its acknowledgment as a key angle in associations. Various associations stay static however those that have grasped the dynamism have actualized fast rebuilding requested by the milieu conditions. The dynamic conditions can be innovation progressions, expanded finish and scramble for control of the restricted common assets. Note that the authoritative structures structure basic thought before introducing any task since; this angle will influence the entire procedure (Harry and Schroeder, 2000). The general viewpoints incorporate that of associations being either venture driven or driven by non-venture. Instances of venture driven associations are the enterprises and aviation where the whole undertaking is portrayed by the activities in thought. This examination sees that, three authoritative structures exist. They incorporate conventional, network and undertaking driven. The utilitarian progression, for example, HLR Inc. may not be adequate for the undertaking the executives in light of the fact that, there is no thought of the dynamism in the worldwide field (Deeprose, 2002). It is feasible that, the practical structures grasped in the HLR Inc, may not be adequate. The utilitarian structure described by inadequacies to agree to the dynamic structure grasped by the worldwide players in the market. Note that a venture the executives should be sold inside the organizationââ¬â¢s outskirts. What's more, thought of the grid point of view, it is eminent that, the network viewpoint has a double impact in dynamic (Harry and Schroede
Friday, August 21, 2020
Attitude Toward Power Essay
Both Ulysses and Macbeth had the option to pick up intensity of sovereignty, however the manner in which they picked up the forces are unique. In this article I am going to look at how they respect power, both diversely and likewise. I mean to utilize Heinemann, (1994), adaptation of Macbeth by Shakespeare and the class present of Ulysses. The principle focal point of Macbeth will be from Act1 Scene 7, lines 1-28 and Act 2 Scene 1, line 33-61, while I will likewise assess other related part all through the play. Since Lord Tennyson and William Shakespeare are from various time in the history, their point of view of the world will be extraordinary, consequently I will likewise make reference to about Shakespeareââ¬â¢s and Lord Tennysonââ¬â¢s alternate point of view towards force and language they utilized. Most extraordinary essayists mirror their mentality to life on their work, so it is essential to consider the social and authentic foundation of the Jacobeans when Shakespeare composed the play, and the Victorian time, when Lord Tennyson was alive. In Victorian occasions, Britain was an amazing nation. There were boundless open doors for the most part the privileged individuals to expand their insight by going to new places and experience the outside societies. At the point when Lord Tennyson composed this sonnet, he was lamenting over his best friendââ¬â¢s demise. By composing this sonnet he had the option to communicate his passionate inclination just as to convince him to release it. He additionally had the chances to tell individuals that it is ââ¬Å"never past the point where it is possible to look for a more current worldâ⬠. For models, Ulyssesââ¬â¢ new world would be existence in the wake of death world and Lord Tennysonââ¬â¢s new world would be the world without his closest companion. Toward the finish of Macbeth, the ethical we get is that never to go too far of Divine Order. During Jacobean time, they accepted that the obligation of the King is picked by God: They accepted that each living life form has a request and it is chosen by God, this is call the Divine Order. On the off chance that one chooses to conflict with the Divine Order, such as executing the King to be simply the government at that point, he had accomplished something that is sullen during the Jacobeans: conflicting with God. Shakespeare attempted show that by the expense of Macbeth need to look after he had killed the King, one model is that he lost his regards from his subjects and toward the end he was without anyone else. Jacobeans were additionally odd; they accepted that witches are abhorrent in light of the fact that they venerate evil spirit, so if there was a plague or a cataclysmic event, they accused on the witches: they are first put to preliminaries and afterward was executed, for the most part hanged or consumed. Since Shakespeare made Macbeth partner with the witches by talking and more regrettable of all confiding in them, that made Macbeth insidious. Shakespeare did this to satisfy his King, King James, as he was against the powerful and was capable assistance King James to spread the evilness of the witches through his play. The sonnet, ââ¬Å"Ulyssesâ⬠began by a moderate cadence. Ruler Tennyson dealt with this by utilizing the words with long vowels, for example, ââ¬Å"hoard, and rest, and feedâ⬠. These words give us the feeling of bluntness and everyday, which was the manner by which Ulysses feels toward the start. In any case, as we go further down the sonnet, the bluntness was decline as he began to discuss his audacious days.
Friday, August 14, 2020
A Path to Success in College Essay
<h1>A Path to Success in College Essay</h1><p>There are a few reasons why you ought to compose a school paper, and it isn't just about passing the courses. It is likewise essential to do it since you need to dazzle your instructors. A decent exposition can assist you with improving your review and get you to an increasingly regarded school. Subsequent to doing this, it is better for you to comprehend what you have to do to compose a fruitful school essay.</p><p></p><p>To start with, it is a smart thought to have a composed blueprint. Ensure that the paper has all the data about the theme that you intend to compose. You can check this diagram during the composing process.</p><p></p><p>It is likewise imperative to choose the intended interest group of the exposition. This implies picking the sort of individual you are composing for. You can utilize this as a manual for what you have to compose so it is as per what the cr owd wants.</p><p></p><p>Make sure that you focus on sentence structure and accentuation. You ought to write in an arrangement that will make it simple for your perusers to comprehend. There are a few people who whine that they can't comprehend what the essayist is attempting to state. They feel that the exposition is difficult to read.</p><p></p><p>The last advance is to peruse the article to check whether it is directly for the theme. On the off chance that it isn't, at that point you can overhaul it. Remember that in the event that you are a decent author, you can overhaul the paper much after it is as of now distributed. So ensure that you can finish the task before you submit it.</p><p></p><p>Make sure that you don't duplicate a great deal of sections from different sources. There is no reason for duplicating the entire thing. The reason for composing a school paper isto assist understudies with monitoring t he rules that are engaged with their school experience.</p><p></p><p>The most significant piece of composing a school exposition is to thought of a topic for the article. You should ensure that the topic you think of depends on the theme that you expounded on. This is significant in light of the fact that the article is really a prologue to the point. Without a topic, it is difficult to figure out how to compose an effective school essay.</p><p></p><p>The papers that are composed can undoubtedly be changed to mirror the assessments of the understudies. On the off chance that the subject or the paper changes, at that point the understudies can transform it as well. To put it plainly, the understudies ought to be given the opportunity to alter and update the exposition at whatever point they want.</p>
Saturday, August 1, 2020
Essay Writing Essay Samples
<h1>Essay Writing Essay Samples</h1><p>With more people needing to get into the universe of advanced education, numerous schools are expecting understudies to take in any event one composing task from an ESL composing test. A few understudies might be overpowered by the possibility of a composing test, however as a general rule there are not many necessities. Composing tests are a typical piece of any school educational program, and they ought to consistently be given by your school.</p><p></p><p>Most colleges require composing tests from English writing understudies. Regardless of whether you're required to take a composing course at a junior college or a four-year college, on the off chance that you decide to join up with that program, you should get some composed assignments so as to demonstrate your capacity to write in English. This is the most well-known type of ESL composing tests, and numerous understudies are shocked to see the quant ity of various ones given to them.</p><p></p><p>Writing is a significant aptitude that can't be educated in a couple of days or weeks. Numerous understudies locate that in the wake of taking some early on courses that their composing capacities start to decay. Composing tests are probably the simplest approaches to re-uphold your capacity to write in English.</p><p></p><p>No matter to what extent you've been taking a composing class, or how capable you've become at composing toward the finish of every semester, practice constantly. You have to continue composing until you can unhesitatingly create quality composition. A composing test will assist you with building up a superior degree of certainty, just as make you increasingly positive about the style you decide for your essay.</p><p></p><p>Because composing tests are frequently simple to discover, a great many people are shocked when they get them. There are s everal unique examples on the web, and they all have fundamentally the same as purposes. The significant advantage to composing tests is that you get the opportunity to see yourself in a distributed bit of work. For some individuals, this is the most ideal approach to improve your aptitudes at English writing.</p><p></p><p>While you're picking between getting an example articles or not, consider what you truly ask for from the task. On the off chance that you just need a couple of guides to gain proficiency with the nuts and bolts of composing, at that point you'll most likely be bound to pick a composing test. Likewise, in the event that you have more than one composing test, you'll have a more extensive assortment of materials to analyze. Remember that so as to prevail at ESL composing, you'll have to apply an assortment of styles and procedures to your essay.</p><p></p><p>You'll need to apply an assortment of strategies when writing in English composition, so the more sorts of materials you have, the better your odds will be of prevailing in the class. Composing tests are one of the most well-known ESL composing courses, and this shouldn't demoralize you from taking a couple of them. Since they give a wide assortment of papers to browse, you ought to have the option to succeed regardless of what design you choose.</p>
Wednesday, July 22, 2020
Booker T Washington Research Papers - Is it a Scam?
<h1> Booker T Washington Research Papers - Is it a Scam?</h1> <h2>Booker T Washington Research Papers: No Longer a Mystery </h2> <p>Booker T. Washington is a fabulous model that in any event, when you originated from nothing, you can achieve astounding things on the off chance that you invest sufficient effort and are set up to make the penance. This remained with Booker for an amazing rest. The tale of Jack Trice is right now picking up the enthusiasm of Hollywood. There isn't a lot of story to it. </p> <p>Dreams are made by G-D! Individuals today need to meet up, affection each other, and regard each other's desires. </p> <p>Totally free Booker T Washington article tests are offered on FreeEssayHelp with no installment or enlistment. This section gives a synopsis of Du Bois' vocation. Washington considered brickmasonry nearby university courses. Normally, it takes upwards of 2 hours of time to sift through many locales until you find something energizing to expound on. </p> <p>Although it is anything but an altogether exact value, it supplies worth and perceivability on the particular activity when required. To create this choice you should realize you've done all that you may have done. Plunging into 3D spaces has its own particular appeal. </p> <h2>What Everybody Dislikes About Booker T Washington Research Papers and Why </h2> <p>Wilson figured out how to win isolation in the US significantly more profound than previously. It' s trying to monitor an objective, even if you need it super severely. </p> <h2> Key Pieces of Booker T Washington Research Papers </h2> <p>Here you're ready to arrange your altered paper composed dependent on your details. Science, on the contrary hand, which is a particularistic field, one dictated by lab and field work, is regarded delicate. John audits how following sheets will be applied as the beginning stages to each gathering. There were loads of connections which were developed through the mail. </p> <p>Most significant charge cards, notwithstanding PayPal, are acknowledged. To begin composing your task you would need to experience a fascinating and promising subject. The site was made to introduce the papers in a reasonable and clear style. In any case, after a decent arrangement of research, I figured it might be the issue. </p> <p>It is vital to me to find that it isn't only the couple of two or three individuals which were advised to me when I was in school as somebody you should gaze upward to. I comprehend I'm by all account not the only individual who develops more than collards. Have youngster apply stick (a generally excellent sum) on the 3 light circles-one at a second. Over this indistinguishable slave crap. </p> <p>The school had propelled educators, additional cash, and a couple of the city's absolute best pioneers in training and friends. City View isn't accessible in all urban communities. </p> <p>There's an interest on the opposite side of the board that individuals from varying backgrounds should be in a situation to appreciate equivalent rights. These experts in their own one of a kind way, license us to consider the potential outcomes. Your best asset is clearness yet lucidity is so hard to track down when you're in its focal point. This amazing component is a noteworthy bit of American culture. </p> <h2> Booker T Washington Research Papers Secrets </h2> <p>Detentions, suspensions, and ejections are the key disciplinary measures inside this framework. In such situations, an understudy might need to get ousted from the school. Another approach to rate an incredible school process is the amount of parental contribution. </p> <p>There's no nutrient, crude vegetable, or excellent drops to stay away from seasonal influenza. It very well may be given together with this season's cold virus antibody. Bed rest with a great deal of snoozes is proposed to abbreviate the separation of ailment. It is anything but a run of the mill test, and I believe I was his absolute first patient to request it. </p> <p>If you bargain with these sorts of people, at that point you're similarly at fault in prejudice and abuse. Multiculturalism is only various societies abiding in precisely the same society in a composed way. While there are a couple of downsides to multiculturalism, the geniuses you ought to consistently focus on. </p> <p>To become enormously fruitful in anything, you should not just focus on precisely what you ought to do, however moreover on what you shouldn't do. This end up being a very non-compromising and well known thought with a lot of whites. The best approach to start is to quit talking and begin doing. A mess of individuals accept satisfaction is tied in with saying yes to the proper stuff. </p> <h2> The Booker T Washington Research Papers Game </h2> <p>Washington accepted the point of the Tuskegee Institute was going to deliver individuals who may endeavor, to get familiar with an exchange, and get by. DC mentoring can create the distinction between a dreary scholastic vocation and one that is an antecedent for a lifetime of succeeding. Society I have an issue with this. Dr. Watch and cell gadgets. </p>
Wednesday, July 8, 2020
Using Term Paper Helps Britains
<h1>Using Term Paper Helps Britains</h1><p>The interest for research project help Britain has never been more noteworthy and this is something that is useful for the economy. As the whole world is feeling the spot of high loan costs and low expansion, more individuals will be searching for occupations in the UK and they won't get them in the event that they don't have the foggiest idea how to deal with the desk work and consent to the specific guidelines set by the examination foundation in the country.</p><p></p><p>There are numerous organizations, particularly through the web, that guarantee to have the best paper help to the English talking understudies, however everything relies upon the client care that you get. A few offices accuse their customers of unfathomable costs for their administrations. What's more, others charge over the top costs to oblige the wealthy in India and to the individuals who venture to the far corners of the plane t and make a lot of cash from their term papers.</p><p></p><p>Paper assist Britain with canning be named as perhaps the most ideal methods of setting aside time and cash while composing the research papers. You can likewise set aside a ton of cash when you need to go to the college or school and pay for their administrations ahead of time. What's more, you can decrease the danger of traveling to another country for the research papers, when you realize that the colleges will have the option to give you great help through research paper help Britain. This is on the grounds that it will be simpler for you to send your paper as data instead of hanging tight for it to be endorsed by the institution.</p><p></p><p>Term paper help Britain is an approach to diminish the expense of organization, and when your paper has been affirmed by the foundation, you are probably going to have the cash put something aside for different costs that join such paper works. It will spare you from the regularly expanding expenses of college and school charges, transportation costs and even understudy allows that will build the sum that you should pay at long last. Research project assist Britain with canning spare you a great deal of cash, which is the reason it is constantly favored by most understudies, since it is the most ideal approach to set aside cash regarding term papers.</p><p></p><p>Students today need to have research papers endorsed by their school or college inside the apportioned timespan. With research project help Britain, you have the choice of sending your papers in a manner so you won't need to invest additional energy and cash on various methods. The association will know whether your paper is appropriate and that you have clung to the papers' necessities, which is significant on the grounds that understudies know about the evolving measures. The associations will know about the numerous perspec tives that you have to consider while finishing the term papers.</p><p></p><p>Term paper assist Britain with canning additionally help in making your life simpler in light of the fact that you won't need to manage the issue of an expansion on research papers. It can likewise lessen the weight on the educators or the understudy gathering, who will then not need to monitor your paper. With research paper help Britain, you can without much of a stretch discover the assist you with requiring for the paper you are taking a shot at. You can likewise get the assist you with expecting to guarantee that your paper will breeze through the assessment or that it is one that will give your accommodation an extra boost.</p><p></p><p>You will never need to think about whether your paper has been acknowledged by the school or the college and furthermore you won't need to stress over the way that you won't get the necessary number of imprints. Indeed, even the negative parts of paper help, for example, the measure of time and cash that you should contribute will likewise be diminished with research paper help Britain. It is additionally simple to meet individuals from abroad and converse with them about your papers and the association can help you in finding the individual who can get you out. Research project assist Britain with canning likewise spare you from your activity as well.</p>
Three Life Stage Scenarios for 529 Savings
As any empty-nester parent will tell you, children grow up too fast. As they do, incomes shrink and expand, and markets fluctuate. As the years pass, it's important to continue to evaluate your investments and strategies for 529 college savings plans. People choose to plop their money into age-based asset allocations that work essentially on autopilot and are adjusted by the plan administrator as your child gets older. The plans typically start out aggressively when a child is a baby and become more conservative as the child approaches high school graduation. Anyone who does their own investing should review and rebalance their portfolio on a periodic basis, typically every year, says Joe Hurley, a certified public accountant and founder of Savingforcollege.com. With the help of several experts in the field, we have mapped out three ideal college savings-plan scenarios, based on age and income. Newborn -- $50,000 household income This family has more than two decades for investing, considering that the family has some 18 years to prepare before the child goes to college for four years. Cheryl Costa, managing director of AFW Wealth Advisors in Boston, recommends an all-equity portfolio. When the child is very young most of the investments should be in stocks for maximum growth before they go to college, Hurley says. "What they're supposed to do is have the more risky stuff from newborn to age 5," says Deborah Maloy, president of Wakefield, Mass.-based Maloy Financial Services. But she admits that drops in 529 saving portfolios in 2008, and even before the historic market collapse, reinforced the fact that people need to consider whether they can deal with market volatility. "They don't like seeing the plan go from $2,000 to $1,000," Maloy says. "Give some thought to, 'Who am I? What do I believe? Do I want to risk this?' Sometimes people think all 529 plans are created equal, but they're not. Some now have stable value and no equity exposure." After maximizing their retirement contributions, these young families should try to contribute at least $10 to $15 a month as a start, Costa says. "You can revisit as you progress and earn more money," she says. If you can afford it, Maloy, who's also president of the Financial Planning Association of Massachusetts, suggests putting in a large lump sum early in the child's life so it has a chance to grow, collect interest and accumulate. "The sooner you start and more you can put in, the better," says Greg Wilder, Grant Thornton LLP partner in charge of the private wealth services practice for the southeast, based in Atlanta. From there, Costa recommends monitoring the 529 every year or two to make appropriate changes in allocation and contribution levels. 8-year-old -- $75,000 household income Near the halfway point to your child's high school graduation, Costa recommends moving toward this allocation mix: 70 percent equities and 30 percent fixed income. That's different from age-based portfolios, she says, which would be more conservative, with 55 in equities, 35 in bonds and some even in money markets. Most people can expect to experience increases in their income and accumulate their savings over time, Hurley says. "You don't have to assume the same amount being put in every month over 18 years," he says. "You can look to increase that over time." It's wise to also encourage people to contribute to the plan, instead of, or in combination with, giving other gifts for birthdays, holidays and special events, Maloy says. Although your contributions should have increased since the early years, advisers warn against overfunding if you only have one child. If you've saved based on the expectation your child will attend a private school ,and they decide later to go to a state school, you've oversaved, Costa says. The money, however, could be transferred to another family member or used for graduate school. Choosing a prepaid tuition plan at this age can be risky because they are restrictive, Maloy says. One option is to invest in a prepaid tuition plan that allows you to secure the current tuition at in-state public schools. Obviously that has pitfalls, considering that you don't know where your child will choose to go to school in 10 years, she says. 17-year-old -- $100,000 household income Want to sleep at night? At this point, make sure your investments are no longer in stock market vehicles but are in more conservative, less volatile asset mixes, Maloy says. This is the kind of goal that you really don't want to fall short on, she says. "I don't want to work with someone for 14 years, helping them, and I know college is their primary goal, and then say to them in year 12, 'We really thought the markets would do better than they did, so I'm really sorry.'" In other words, don't get greedy. Costa suggests having some equities in a portfolio at this age, possibly as low as 25 percent, with 75 percent in fixed income. Once children are in college, she recommends putting all in fixed income, or if you want to be a little aggressive, maintaining a 10 percent to 15 percent allocation in equities. If families don't have other significant resources to pay for college, they need to be conservative, Hurley says. If they have other resources they can tap, they may want to stay at least partially in stocks to try to capture the most upside. "They're gambling a little bit more, but they can afford to do that because they have other resources they can fall back on if necessary," he says. But remember what happened to some people who had a child going to college in 2008 to 2009 and saw their funds, which had 15 percent to 20 percent in equities, plummet due to market conditions. "A lot of people were caught off-guard or surprised with 2008 returns on their accounts," Costa says. "You really need to just be honest about your risk tolerance throughout the whole process." Posted July 31, 2009 As any empty-nester parent will tell you, children grow up too fast. As they do, incomes shrink and expand, and markets fluctuate. As the years pass, it's important to continue to evaluate your investments and strategies for 529 college savings plans. People choose to plop their money into age-based asset allocations that work essentially on autopilot and are adjusted by the plan administrator as your child gets older. The plans typically start out aggressively when a child is a baby and become more conservative as the child approaches high school graduation. Anyone who does their own investing should review and rebalance their portfolio on a periodic basis, typically every year, says Joe Hurley, a certified public accountant and founder of Savingforcollege.com. With the help of several experts in the field, we have mapped out three ideal college savings-plan scenarios, based on age and income. Newborn -- $50,000 household income This family has more than two decades for investing, considering that the family has some 18 years to prepare before the child goes to college for four years. Cheryl Costa, managing director of AFW Wealth Advisors in Boston, recommends an all-equity portfolio. When the child is very young most of the investments should be in stocks for maximum growth before they go to college, Hurley says. "What they're supposed to do is have the more risky stuff from newborn to age 5," says Deborah Maloy, president of Wakefield, Mass.-based Maloy Financial Services. But she admits that drops in 529 saving portfolios in 2008, and even before the historic market collapse, reinforced the fact that people need to consider whether they can deal with market volatility. "They don't like seeing the plan go from $2,000 to $1,000," Maloy says. "Give some thought to, 'Who am I? What do I believe? Do I want to risk this?' Sometimes people think all 529 plans are created equal, but they're not. Some now have stable value and no equity exposure." After maximizing their retirement contributions, these young families should try to contribute at least $10 to $15 a month as a start, Costa says. "You can revisit as you progress and earn more money," she says. If you can afford it, Maloy, who's also president of the Financial Planning Association of Massachusetts, suggests putting in a large lump sum early in the child's life so it has a chance to grow, collect interest and accumulate. "The sooner you start and more you can put in, the better," says Greg Wilder, Grant Thornton LLP partner in charge of the private wealth services practice for the southeast, based in Atlanta. From there, Costa recommends monitoring the 529 every year or two to make appropriate changes in allocation and contribution levels. 8-year-old -- $75,000 household income Near the halfway point to your child's high school graduation, Costa recommends moving toward this allocation mix: 70 percent equities and 30 percent fixed income. That's different from age-based portfolios, she says, which would be more conservative, with 55 in equities, 35 in bonds and some even in money markets. Most people can expect to experience increases in their income and accumulate their savings over time, Hurley says. "You don't have to assume the same amount being put in every month over 18 years," he says. "You can look to increase that over time." It's wise to also encourage people to contribute to the plan, instead of, or in combination with, giving other gifts for birthdays, holidays and special events, Maloy says. Although your contributions should have increased since the early years, advisers warn against overfunding if you only have one child. If you've saved based on the expectation your child will attend a private school ,and they decide later to go to a state school, you've oversaved, Costa says. The money, however, could be transferred to another family member or used for graduate school. Choosing a prepaid tuition plan at this age can be risky because they are restrictive, Maloy says. One option is to invest in a prepaid tuition plan that allows you to secure the current tuition at in-state public schools. Obviously that has pitfalls, considering that you don't know where your child will choose to go to school in 10 years, she says. 17-year-old -- $100,000 household income Want to sleep at night? At this point, make sure your investments are no longer in stock market vehicles but are in more conservative, less volatile asset mixes, Maloy says. This is the kind of goal that you really don't want to fall short on, she says. "I don't want to work with someone for 14 years, helping them, and I know college is their primary goal, and then say to them in year 12, 'We really thought the markets would do better than they did, so I'm really sorry.'" In other words, don't get greedy. Costa suggests having some equities in a portfolio at this age, possibly as low as 25 percent, with 75 percent in fixed income. Once children are in college, she recommends putting all in fixed income, or if you want to be a little aggressive, maintaining a 10 percent to 15 percent allocation in equities. If families don't have other significant resources to pay for college, they need to be conservative, Hurley says. If they have other resources they can tap, they may want to stay at least partially in stocks to try to capture the most upside. "They're gambling a little bit more, but they can afford to do that because they have other resources they can fall back on if necessary," he says. But remember what happened to some people who had a child going to college in 2008 to 2009 and saw their funds, which had 15 percent to 20 percent in equities, plummet due to market conditions. "A lot of people were caught off-guard or surprised with 2008 returns on their accounts," Costa says. "You really need to just be honest about your risk tolerance throughout the whole process." Posted July 31, 2009
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