Thursday, September 3, 2020

Chapter 5 Weasleys’ Wizard Wheezes Free Essays

string(40) and consumed all the request forms†¦. Harry spun quicker and quicker, elbows tucked firmly to his sides, obscured chimneys blazing past him, until he began to feel wiped out and shut his eyes. At that point, when finally he felt himself easing back down, he tossed out his hands and stopped so as to keep himself from falling face forward out of the Weasleys’ kitchen fire. â€Å"Did he eat it?† said Fred energetically, holding out a hand to pull Harry to his feet. We will compose a custom article test on Section 5 Weasleys’ Wizard Wheezes or on the other hand any comparable subject just for you Request Now â€Å"Yeah,† said Harry, fixing up. â€Å"What was it?† â€Å"Ton-Tongue Toffee,† said Fred brilliantly. â€Å"George and I created them, and we’ve been searching for somebody to test them on all summer†¦.† The minuscule kitchen detonated with chuckling; Harry glanced around and saw that Ron and George were sitting at the cleaned wooden table with two red-haired individuals Harry had never observed, however he knew quickly who they should be: Bill and Charlie, the two oldest Weasley siblings. â€Å"How’re you doing, Harry?† said the closer of the two, smiling at him and holding out an enormous hand, which Harry shook, feeling calluses and rankles under his fingers. This must be Charlie, who worked with mythical serpents in Romania. Charlie was fabricated like the twins, shorter and stockier than Percy and Ron, who were both long and thin. He had an expansive, well-intentioned face, which was climate beaten thus freckly that he looked nearly tanned; his arms were strong, and one of them had an enormous, glossy consume on it. Bill got to his feet, grinning, and furthermore shook Harry’s hand. Bill came as something of a shock. Harry realized that he worked for the wizarding bank, Gringotts, and that Bill had been Head Boy at Hogwarts; Harry had consistently envisioned Bill to be a more established variant of Percy: particular about standard breaking and attached to bossing everybody around. Be that as it may, Bill was †there was no other word for it †cool. He was tall, with long hair that he had tied in a pig tail. He was wearing a hoop with what resembled a tooth dangling from it. Bill’s garments would not have watched strange at a stage performance, then again, actually Harry perceived his boots to be made, not of calfskin, however of mythical beast cover up. Before any of them could state whatever else, there was a black out popping clamor, and Mr. Weasley showed up out of nowhere at George’s shoulder. He was looking angrier than Harry had ever observed him. â€Å"That wasn’t clever Fred!† he yelled. â€Å"What on earth did you give that Muggle boy?† â€Å"I didn’t give him anything,† said Fred, with another detestable smile. I just dropped it†¦.It was his deficiency he proceeded to eat it, I never let him know to.† â€Å"You dropped it on purpose!† thundered Mr. Weasley. â€Å"You knew he’d eat it, you realized he was on a tight eating routine - â€Å" â€Å"How huge did his tongue get?† George asked energetically. â€Å"It was four feet well before his folks would let me contract it!† Harry and the Weasleys thundered with giggling once more. â€Å"It isn’t funny!† Mr. Weasley yelled. â€Å"That kind of conduct genuinely subverts wizard-Muggle relations! I consume a large portion of my time on earth battling against the abuse of Muggles, and my own children â€Å"We didn’t offer it to him in light of the fact that he’s a Muggle!† said Fred resentfully. â€Å"No, we offered it to him in light of the fact that he’s an extraordinary harassing git,† said George. â€Å"Isn’t he, Harry?† â€Å"Yeah, he is, Mr. Weasley,† said Harry truly. â€Å"That’s not the point!† seethed Mr. Weasley. â€Å"You hold up until I tell your mom - â€Å" â€Å"Tell me what?† said a voice behind them. Mrs. Weasley had recently entered the kitchen. She was a short, full lady with a benevolent face, however her eyes were by and by limited with doubt. â€Å"Oh hi, Harry, dear,† she stated, spotting him and grinning. At that point her eyes snapped back to her significant other. â€Å"Tell me what, Arthur?† Mr. Weasley faltered. Harry could tell that, anyway furious he was with Fred and George, he hadn’t truly planned to tell Mrs. Weasley what had occurred. There was a quiet, while Mr. Weasley looked at his better half anxiously. At that point two young ladies showed up in the kitchen entryway behind Mrs. Weasley. One, with extremely shaggy earthy colored hair and rather huge front teeth, was Harry’s and Ron’s companion, Hermione Granger. The other, who was little and red-haired, was Ron’s more youthful sister, Ginny. Them two grinned at Harry, who smiled back, which made Ginny go red †she had been extremely taken with Harry since the time his first visit to the Burrow. â€Å"Tell me what, Arthur?† Mrs. Weasley rehashed, in a hazardous kind of voice. â€Å"It’s nothing, Molly,† muttered Mr. Weasley, â€Å"Fred and George just †yet I’ve had words with them - â€Å" â€Å"What have they done this time?† said Mrs. Weasley. â€Å"If it’s got anything to do with Weasleys’ Wizard Wheezes - â€Å" â€Å"Why don’t you show Harry where he’s dozing, Ron?† said Hermione from the entryway. â€Å"He knows where he’s sleeping,† said Ron, â€Å"in my room, he dozed there last - â€Å" â€Å"We can all go,† said Hermione distinctly. â€Å"Oh,† said Ron, cottoning on. â€Å"Right.† â€Å"Yeah, we’ll come too,† said George. â€Å"You stay where you are!† growled Mrs. Weasley. Harry and Ron defeated of the kitchen, and they, Hermione, and Ginny set off along the restricted corridor and up the unsteady flight of stairs that crisscrossed through the house to the upper stories. â€Å"What are Weasleys’ Wizard Wheezes?† Harry asked as they climbed. Ron and Ginny both giggled, despite the fact that Hermione didn’t. â€Å"Mum discovered this pile of request structures when she was cleaning Fred and George’s room,† said Ron unobtrusively. â€Å"Great long value records for stuff they’ve designed. Joke stuff, you know. Counterfeit wands and stunt desserts, heaps of stuff. It was splendid, I never knew they’d been creating all that†¦Ã¢â‚¬  â€Å"We’ve been listening to blasts of their space for a long time, however we never thought they were really making things,† said Ginny. â€Å"We thought they simply loved the noise.† â€Å"Only, the majority of the stuff †well, every last bit of it, truly †was a piece dangerous,† said Ron, â€Å"and, you know, they were intending to sell it at Hogwarts to bring in some cash, and Mum went frantic at them. Revealed to them they weren’t permitted to make anything else of it, and consumed all the request forms†¦. You read Part 5 Weasleys’ Wizard Wheezes in class Paper examplesShe’s incensed at them at any rate. They didn’t get the same number of O.W.L.s as she expected.† O.W.L.s were Ordinary Wizarding Levels, the assessments Hogwarts understudies took at fifteen years old. â€Å"And then there was this huge row,† Ginny stated, â€Å"because Mum needs them to go into the Ministry of Magic like Dad, and they disclosed to her all they need to do is open a joke shop.† Simply then an entryway on the subsequent landing opened, and a face jabbed out wearing horn-rimmed glasses and an exceptionally irritated appearance. â€Å"Hi, Percy,† said Harry. â€Å"Oh hi, Harry,† said Percy. â€Å"I was pondering who was making all the commotion. I’m attempting to work in here, you know I’ve got a report to complete for the workplace †and it’s fairly hard to focus when individuals keep roaring here and there the stairs.† â€Å"We’re not roaring, â€Å"said Ron peevishly. â€Å"We’re strolling. Sorry if we’ve upset the top-mystery functions of the Ministry of Magic.† â€Å"What are you working on?† said Harry. â€Å"A report for the Department of International Magical Cooperation,† said Percy conceitedly. â€Å"We’re attempting to normalize cauldron thickness. A portion of these imported products are only a shade too slim †spillages have been expanding at a pace of very nearly three percent a year - â€Å" â€Å"That’ll change the world, that report will,† said Ron. â€Å"Front page of the Daily Prophet, I expect, cauldron leaks.† Percy went marginally pink. â€Å"You may jeer, Ron,† he said heatedly, â€Å"but except if a global law is forced we may well discover the market overwhelmed with shaky, shallow-bottomed items that truly jeopardize - â€Å" â€Å"Yeah, better believe, everything right,† said Ron, and he began upstairs once more. Percy hammered his room entryway shut. As Harry, Hermione, and Ginny followed Ron up three additional stairways, yells from the kitchen beneath reverberated up to them. It seemed as if Mr. Weasley had told Mrs. Weasley about the toffees. The room at the highest point of the house where Ron dozed looked much as it had the last time that Harry had come to remain: similar banners of Ron’s most loved Quidditch group, the Chudley Cannons, were spinning and waving on the dividers and inclining roof, and the fish tank on the windowsill, which had recently held frog bring forth, presently contained one amazingly enormous frog. Ron’s old rodent, Scabbers, was here no more, however rather there was the little dim owl that had conveyed Ron’s letter to Harry in Privet Drive. It was jumping here and there in a little pen and twittering frantically. â€Å"Shut up, Pig,† said Ron, edging his way between two of the four beds that had been crushed into the room. â€Å"Fred and George are in here with us, since Bill and Charlie are in their room,† he told Harry. â€Å"Percy gets the chance to keep his room all to

Wednesday, August 26, 2020

Exclusive essayEssay Writing Service

Selective essayEssay Writing Service Selective exposition Selective essayThe selectiveness statement ought to be applied to the case in light of the fact that the case includes the meaning of terms, for example, ‘sandwich’, which contain the center of the understanding between parties included. The restrictiveness proviso plans to characterize obviously all terms and states of the understanding and quintessence of items that organizations are utilizing and selling. Right now, the organization is simply searching for the precise meaning of key terms.Rule           The eliteness provision permits the organization to secure its items and licensed innovation to keep different organizations from utilizing similar items or its scholarly products.Rule explanationâ â â â â â â â â â â The restrictiveness condition expects to shield organizations from the unapproved utilization of their items and protected innovation and causes organizations to shield them from the out of line rivalry from the piece of opponents, who can emulate their items or simply utilize their licensed innovation rights wrongfully. The exact meaning of terms is essential for the restrictiveness clause.Analysis/Applicationâ â â â â â â â â â â The use of the eliteness statement on account of PR includes the elaboration of compact meanings of key terms, including items and administrations, the organization accommodates its clients. The meaning of these terms is critical to expand the understanding between the gatherings to come to understanding and maintain a strategic distance from instances of abuse on protected innovation rights or results of organizations by the outsiders. The exact meaning of key terms will ensure items and administrations of the organization from the uncalled for rivalry from the piece of adversaries, who may attempt to mimic results of the organization and damage its licensed innovation rights.Conclusion           Thus, the selectiveness proviso will sh ield the organization from the out of line rivalry and upgrade the serious situation of the organization.

Saturday, August 22, 2020

Contractors in the Military Essay

Returning so as to the Civil War, private temporary workers can be discovered, offering help, coordinations, and supplies to the military powers. On the off chance that you consider today’s army installations and moving toward the front door that do you see? Well the main individual you see is a private security monitor remaining there holding on to invite you to fortification whatever. Why don’t you see a Military Police Officer remaining there? Straightforward inquiry right, well it isn’t on the grounds that the Military is going increasingly more towards a non military personnel work power. What does going to essentially regular citizen work power accomplish for those people that serve in the United States Military today? Is the administration truly settling on the correct decision by proceeding to utilize private temporary workers back home and abroad in combat areas today? That is the place this paper is going to look out the circumstances and end results of the utilization of private contractual workers or regular citizen work power in today’s Military. Today’s Military bases are overwhelmed with regular citizen workforce working for the administration as private contractual workers. The Government today is searching for in any case to cut Military spending plan and set aside cash. In any case, is utilizing the non military personnel workforce setting aside cash? Well let’s talk about those security monitors at the front entryway, let’s state the gatekeeper is between a GS 1-3 the normal pay for them are seventeen thousand to twenty 8,000 per year. Presently take a gander at an Army Military Police Officer e-1 through e-3 which is proportionate to the GS 1-3 the pay for that e-1 through e-3 is between seventeen thousand to twenty thousand dollars every year. So from that little correlation utilizing a private workforce truly isn’t setting aside anybody any cash. Let me advise you that doesn’t remember a very long time for administration. Since additional time in the GS positions you get more cash-flow quicker. However, for that enrolled trooper his cash tops after such huge numbers of years. In any case, wherever you go you see increas ingly more regular citizen workforce so there must be a positive side to having regular citizens work close by with the Military offices. Having private temporary workers work nearby with the Military can remove some worry from units that are conveyed down range in battle zones. Those units can concentrate on their missions within reach and can depend on strategic help and staff support from essentially private security powers downrange. â€Å"For the State Department, outfitted contractual workers moreover play out an assortment of security tasks†(Isenberg 2009). In contrast with past clashes the United States was associated with like Gulf War one in which the proportion was one temporary worker to fifty eight assistance men. Presently let’s bounce to the Bosnia struggle where the proportion hopped to one to fifth high schooler. At that point you see Iraq War which the proportion dropped to one to six. So the utilization of the contractual worker is getting progressively obvious in furnished clash zones. Such a significant number of employments that the Military provides for the private part are explicit occupations or a â€Å"valuable skill† that is a particular undertaking. So by giving those particular occupations to contractual workers in combat areas permits the military to give sustainment capacities on forward bases. â€Å"Then you need to take a gander at the awful side of those private contractual workers, with any semblance of Black Water, and Triple Canopy†(Cotton 2010). Those two organizations have been associated with numerous fights that put an awful preference for people’s mouth about privately owned businesses working in combat areas. Each organization did numerous things that caused a great deal of emergency for individual assistance individuals while they were sent in unfriendly places. These organizations go to carry out a responsibility get paid more by our United States Government at that point proceeds to do antagonistic acts against the other nation, that puts numerous others not simply administration individuals in hurt manner. So for what reason should the DOD pay individuals like this? Well that is only the incredible discussion. So with the administration in war still in Afghanistan, for what reason do we keep on depending on such a significant number of privately owned businesses, well that is a result of those essential resources those individuals offer. So if the administration would place somewhat more confidence in the Military Services we have and train. We could begin dealing with the expenses of what is spent while we are at war. Despite the fact that it is incredible to confine the utilization of temporary workers, the utilization of the contractual workers simply should be constrained in specific manners. Continue utilizing the ones that are expected to aid calculated help and help in missions to help. Attempt and stop the utilization of the ones in combat areas running missions could enhance the administration spending, let those individuals that serve in the Military continue running those missions, since that is the thing that enrolled do serve our nation. Works Cited ISENBERG, DAVID. Shadow Force. Westport, CT: Praeger Publishers, 2009. Praeger Security International Online. 1 Jan 2013.

Challenges of Education Sector in India-Free-Samples for Student

Question: Examine about the moral issues looked by the Education Sector in India. Answer: Presentation: Morals can be characterized as the training that doesn't hurt others. Being moral methods playing out the exercises that are significant and don't hurt different people groups resolve. Morals is one of the significant worries for all. Deceptive practices are found to exist in practically all fields or parts today. This examination is about different variables that bring forth the unscrupulous practices at the training area. The Indian instruction area is considered in the examination in light of the fact that as of late, there are numerous exploitative exercises have been seen in the equivalent. Considering this territory helps in understanding the fundamental idea of morals in business. The significant destinations of this examination are: To recognize the issues looked by the instruction area To recognize the activities that has been taken so as to deal with the business moral issues in this area. To distinguish that reasons for moral issues in training segment of India Investigation: Training area is likewise confronting numerous moral issues in India. This is a result of commercialization and defilement in the business. Moral issues looked by the part: Privatization: Privatization isn't at all a terrible thing for India. In any case, privatization in the instruction framework in India is influencing the framework and the understudies in negative way. As the legislature of India has permitted the private part to fire up their own financing instruction establishments, training in India is turning into a market ware (Kingdon, 2007). The primary deceptive conduct of these foundations can be found in the measure of expenses they charges from the understudies. They utilize extravagant foundation to pull in the understudies after which these organizations misuse them deceptively. Another moral issue that has been found in such establishments is selecting instructors at low pay scale (Rossouw, Van Vuuren, Ghani, and Adam, 2010). These educators are not able to be on that post. These practices may destroy the eventual fate of the understudies as they are not getting the right instruction and information. As these organizations runs on priva te premise so they likewise orchestrate the assessment papers for the understudies and give them higher evaluations without giving them information (Kumar and Dash, 2011). This is the most unscrupulous practice done by these foundations. Absence of significant worth instruction: In antiquated occasions, the training in India has various methods. The Gurus around then spotlights on giving Indian culture esteems to the understudies. Presently the time has changed thus as the example of the training. Todays educational program of the Indian training framework just gives information to the understudies that makes them cash producers and gets them far from their social qualities. Defilement: Increase in debasement in the training framework has denied the degree of moral practices in the equivalent. Debasement in training framework is about the utilization of open workplaces to have private advantages. Today, the training in India has become a field of business matters. Defilement has happened at each purpose of instruction segment, for example, organization; school foundation, course book circulation, conceding just the smooth layers, affirmation by gifts and so on are a portion of the practices (Arnove, Torres and Franz, 2012). Manageability focal point of the part: Training part of India is concentrating on different parts of supportability nowadays. It has been broke down that supportability in India is identified with the natural concerns. Each business in India needs to concentrate on keep up nature supportability by diminishing the exercises that can hurt the earth. Training can have their influence in the equivalent by actualizing a portion of the courses identified with condition security and measures. Teaching the understudies for similar aides in giving them information about the significance of the guarding nature in the nation. Significant partners in the area: Partners of any area are the individuals who are legitimately or in a roundabout way connected with that specific division (Agarwal, 2007). In spite of the fact that, the significant focal point of the training area is understudies who are concentrating in the instructive intitutions however there are some different partners who are likewise engaged with making the instructive organization to run appropriately (Peters, 2015). The inside partners of the training division in India are understudies, resources, organization and the care group that bolsters the working of the establishments. To the extent the outer partners of the division are thought of, some of them are government and nearby bodies, the graduated class, networks, neighborhood organizations and so on. Variables that drives the part to deal with the business morals: There are numerous elements that drive the instruction segment in India to deal with its business morals. It has been broke down that the greatest factor that drives the administration of business morals is identified with the debasement that is spreading in the division and furthermore identified with the misuse of the understudies by giving them the information that doesn't identifies with their way of life. It has been examined that in view of the commercialization of the instruction in India, the understudies are confronting such a great amount of issues as they don't get the quality training from the establishments need to pay a ton for getting affirmations in such huge foundations (Prakash, 2007). The way of life of giving gift confines the individuals get the excellent instruction as they have to pay a lot of cash for that. understudies accepts that instructive establishments are the spot to revere as they get training and information yet the weakening of the moral practices i n the training framework has changes the essence of the entire framework for the understudies (Reyhner and Eder, 2015). They search for their objects of worship in the schools and universities yet these untrustworthy practices in the training framework diminish the regard that the understudies have for their foundations. In a portion of the states in India, the tests have changed to Shiksha Mafia, the understudies are thinking of new plans to cheat in their tests and their educators help them in the equivalent. This limits the real importance of instruction to the understudies and furthermore gives them wrong exercises (Umashankar and Dutta, 2007). After the freedom of the area, numerous arrangements have been encircled by the administration to improve the training arrangement of the nation yet these strategies have not indicated any palatable impact on the instruction framework improvement. This is on the grounds that the arrangements that have been made focused more on the element s of subjects however has given no weightage to the moral and virtues. Overseeing business morals: The legislature of the nation has taken numerous activities so as to improve the training framework and dealing with the business morals in the instruction segment of India. In the ongoing years, it has been talked about that there is a requirement for educators preparing with the goal that they can give right instruction to the understudies (Ainscow and Sandill, 2010). There are strategies framed by the legislature so as to make the standard capability mandatory for the educators to be selected at the instructive foundations. The legislature of India is likewise investing amounts of energy by opening increasingly more semi-administrative organizations that works by the private establishments however are administered by the administration of India or the state government, for example, Rajasthan specialized college, Mumbai college and so on. To the extent the educational program of the courses in India is concerned, it has been broke down that the worth instruction is significant for the understudies in India and in this manner the educational program ought to be change as indicated by the social estimations of India (Agarwal, 2009). The instructors should likewise step up to the plate and improve their showing designs and ought to be faithful to their obligations so they can have their influence in the training arrangement of India. Being moral likewise appoints the obligation to the individuals to play out their obligations. This is likewise significant for the guardians to give moral information and qualities to their kids. The aggregate endeavors of the considerable number of partners of training division are significant for building up the framework and for dealing with the business morals in the framework (Miles and Singal, 2010). It has been recognized from the example of training that it is required to give the functional information to the Indian understudies as opposed to compelling them to score great checks in the hypothetical subjects. This weight i s made on the brains of the understudies additionally brings about wrong practices by the understudies and here and there it prompts wretchedness that influences the soundness of the understudies. End: This examination reasons that morals is the significant piece of any business so as to keep up the estimations of the business. Instruction segment is additionally one of the parts that are confronting numerous issues as far as morals in India. A portion of the issues are identified with defilement, the educational plan, absence of qualities and culture of India and so forth there are different partners of the training area who need to take activities to the executives the business morals. A portion of the partners are understudies, educators, organization and so on these issues can be overseen by activities such changing the educational program, including the qualities and preparing the instructors. References: Kingdon, G.G., 2007. The advancement of school training in India.Oxford Review of Economic Policy,23(2), pp.168-195. Kumar, S. furthermore, Dash, M.K., 2011. The board training in India: patterns, issues and implications.Research Journal of International Studies,18(1), pp.16-26. Subsides, R.S., 2015.Ethics and Education (Routledge Revivals). Routledge. Arnove, R.F., Torres, C.A. furthermore, Franz, S. eds., 2012.Comparative instruction: The logic of the worldwide and the neighborhood. Rowman Littlefield Publishers. Agarwal, P., 2007. Advanced education in India: Growth, concerns and change agenda.Higher Education Quarterly,61(2), pp.197-207. Prakash, V., 2007. Patterns in development and

Friday, August 21, 2020

Essay Topics of War Is Peace Is War

Essay Topics of War Is Peace Is WarIf you are planning to write an essay for your college paper or dissertation, then you need to take a look at the essay topics of war is peace is war. This question is actually not one of the common ones asked in college admissions. However, if you want to be successful in your academic career and in other aspects of your life, then you must know that it is important to know these things.Although this question has been around for years, the term 'common topic' was used to describe it, which implies that the topic is common in many schools and colleges. As such, students usually have to go through lots of research on the topic before they can publish their essays. In addition, they also have to submit papers on all sorts of topics, which makes them spend more time on writing essays. It is important to choose a topic that would appeal to the readers, but it is also important to know how to compose a good essay.The most basic rule of choosing essay top ics is to choose one that would be easy to understand for the reader. Therefore, students should choose topics that are informative. It is not necessary that you should include a lot of information in the paper. You just have to get the basics right.In fact, the common topic is usually related to what is being discussed in the paper. Thus, you should always remember that you are trying to relay important information to the readers. You should not just add a bunch of facts because the facts are already in the paper. You should write in such a way that it would be easy for the readers to understand. Of course, your essay will be different when compared to other students.While the subject of the paper is a factor that would determine the common topic, it is not the only factor. You should also consider the theme of the paper and the time that you will have to complete the paper. Remember that most people have jobs and they have other obligations to attend to. Therefore, it would be imp ossible for you to devote sufficient time to writing a long paper.Since the aim of an essay is to give the reader a clear view of what you are all about, you should avoid using metaphors or figurative language that might mislead the readers. There are also some examples in the English language that do not contain any kind of metaphor. These examples are 'it is raining cats and dogs', 'his horse's mouth is such a funny thing', 'it was a blizzard when we left home', 'it doesn't matter where you go, you will never find a dry day' and many others. These examples are usually used in academic settings, but if you were to use these examples in your essay, you would surely lose the interest of the readers.The next point that should be considered is the time period of your essay and how you would relate to the topic, and the essay topic should be on the same topic as the paper itself. In order to avoid problems with topics, you should first make sure that your topic is related to the content of the paper itself. Otherwise, it will be very difficult for you to write the essay.In conclusion, if you are going to write an essay on war is peace is war, you need to be familiar with the topic and to know how to relate to the topic. Also, you should check whether the topic of your paper is actually something that the readers would find interesting.

Sunday, August 16, 2020

Slow down, fast train.

Slow down, fast train. DID YOU KNOW? In Guam, Hawaii, and Saipan, you can get SPAM at McDonalds. This week sucks. Well, for everybody else it sucks, because they had finals. Ruth 07, Mitra 07 and I 07 tried to make that a little more tolerable for our floor by preparing one of Conner 2s patented senior finals breakfastsevery year, its tradition that the seniors on Conner 2 make breakfast for the rest of the floor on the first day of finals. Since we cant half-ass anything on Conner 2, unless its every problem set I turned in this semester, we totally blew every other senior breakfast in history away and rocked our floor with eggs benedict, a frittata, fresh fruit smoothies, maple-glazed bacon, homemade coffee cake, and fruit salad served in portable hollowed-out melon bowls. Basically, its the greatest breakfast ever seen at MIT. But after that? Im at the start of a pretty big downer. First of all, finals are over, so Ive just been sitting here watching everyone else on my floor leave MIT forever and their rooms get scrubbed clean by Rosa, our friendly Portuguese cleaning assistant. Second, my parents are here this weekend, and weve started packing up my roomnever to be unpacked in Cambridge again. And finally, my beloved high school friend Shana stopped by to visit in Boston this week. Now, thats normally not such a big downer, but on Thursday I took her on a ten-hour walking tour of Boston that basically touched on every place in Boston I have ever been to, ever, including every random hole-in-the-wall restaurant that Ive fallen in love with over the past four tears. And that, I have to say, was a little wistful. Like how Tim Gunn cries at the end of every season of Project Runway. I think it all hit home last night, when we were standing in Toscaninis, which they New York Times has claimed, in some context-free quote, to serve the best ice cream in the world. Seriously, its not even the best ice cream in Bostonthat would be J.P. Licks, but it was too hot to walk across the river last night. Anyway, I was enjoying the utterly bizarre avocado tequila ice cream when Shana noted that they had a Sunday brunch menu on the wall. Yeah, Ive never tried it. I said. And, oh, nor will I ever, because Im not going to be in Boston for the next two Sundays. Oh well. So with all this going on right now, the moving and the packing and the touring, I feel kind of like a lonely Neko Case, standing onstage with my backing band and just sort of wailing Blacklisted into a red sky as an apocalypse of piano chords rains down around me. Slow down, fast train. Take me with you. That is what I am wailing. Seriously, yall. High School was slow. Slow slow slow! Slooooooooooooooow. S L O W. Okay, enough Lulu. But seriously. It was slow! Like, I was in high school for probably one thousand years, two hundred of which were spent just listening to our vice principal ominously call names to the office. MIT is like the craziest, bumpiest, fastest ride you will ever get on. Seriously. Wikipedia tells you Kingda Ka is the tallest, fastest, and most amazing roller coaster. And I hate to denigrate anything from New Jersey for fear of retribution by the mafia, or Laura, but the tallest, fastest, and most amazing roller coaster is an MIT education. I cant imagine anywhere else where I could have done more to pass the past four years more quickly or more ridiculously. I remember this like it was yesterdayI had just met Ruthie 07 the previous night when I was walking to my room for only the second time ever and somehow ended up going across the river for terrible greasy pizza at 1 AM. I saw her again at the activities midway, and I didnt know anybody at MIT because I didnt go to CPW or do any pre-orientation programs (let that be a lesson, prefrosh), and I totally forgot her name. But whatever. There were balloon animals, she made a squirrel, but we pretended it was a monkey, and she named it Bruce, because it was green and had hulking arms. Then we took it back to her room, which was 222A at the time, and hung it up in the window, probably much to the amusement of her roommate, which at the time was Nicola 07. I remember standing in the admissions office, mere steps from Ben Joness door, and having a conversation with Sue and Mitra 07 about fingerling potatoes, and somehow turning that into a joke about how Mitra and I were going to run the Boston Marathon. And then I remember my first marathon, when my heart was just a-flutter as we walked a quarter mile down the street so the policemen wouldnt see us jumping in, and having an Odwalla Super Protein bar in my left pocket, which I ate while going over a bridge, and how Mitra basically carried my sore legs through the last 6 miles of the 2007 marathon. I remember Lynn 05, and how she gave me my nickname, Spammy, within seconds of meeting me, and how she is still the most aggressively bizarre person I have ever met, and how we used to go on play-dates to restaurants in Harvard Square and Chilli Duck, and one time it was going to rain, and I thought that an insect crawled up my butt while I was walking down the street, and she was seriously concerned for me, but then it turned out everything was okay and we watched Zoolander. Then I remember saying goodbye to her after her graduation, and I only got to do that because I randomly saw her in the Prudential Center, and all she said was, Okay, bye Spammy, by the way, take all my dishes! All my dishes, yah? I remember voting against Rick Santorum in Killian Court under what must have been the bluest sky in history. I remember taking differential equations homework on a ski trip Freshman year, and learning about laplace transforms while we melted skittles in a saucepan just to see what would happen. I remember meeting French Horn Guy within my first 6 hours at MIT, then never talking to him again until a beautiful reunion in a senior seminar. With Pulitzer Prize-winning composer John Harbison. I remember buying a pair of pink pants on my first trip to Garment District, then destroying them because I forgot you dont iron polyester on high. I remember taking my first two exams, 5.112 and 18.022, on the same day, and thinking I failed both of them, and having a weekend of terrible suspense and then finding out I got a 98 and 99 on them. Conversely, I remember getting a 40 on an exam and stapling a hole in my finger on the same day, and then blogging about it like two hours after that. I remember an exam with an average of 44, and a final that made people cry, that nobody was even working on when I looked around. I remember drawing a picture of one of my TAs playfully impaling the professor for that class with the flag of Italy and swearing at him in her delightful broken English. That was during a kind of boring lecture. I remember losing at DDR during orientation in the basement of Random Hall to a guy who was wearing something like a roll of paper towels on his head. I remember the first time I went to Pour House, not on a Saturday because I didnt know any better, and Ruth got two hamburgers and I ate all the french fries because theyre my favorite food. I remember walking across campus with Stella 07 to deliver one of her problem sets and retrieve my bike, and she saw some ice on the ground that someone had dumped out of a refrigerator, and she asked if it was snow, because shes from California and it was hilarious. I remember when there used to be this really awesome fountain at the Christian Science Monitor building and the water shot out in a perfect torus, so if one of the spouts wasnt working you could crawl inside and run around under a spray of water, and how Ive tried to go there on like five separate dates, but its never turned on anymore. Okay, so this has just turned into some stupid list of all my sad memories, like Im some sort of emo Walt Whitman. But seriously, my point is that this is all one gigantic stupid sad memory in my mind, like I really just got here yesterday and made a green balloon monkey and bred fingerling potatoes while running a marathon and then started failing tests, and then I visited the Mary Baker Eddy library after a night at Harvard and then Ruth ate two Kansass, much to our waitresss surprise, all before I pulled three consecutive all-nighters and my TA had to wake me up after a biochemistry lecture. Readers, readers. Seriously, enjoy every single second you have at MIT, because there are far fewer than you think. EVERY SECOND! No pressure or anything. Whoa, I just realized that an emo Walt Whitman would actually be pretty awesome. I have Heard of a Glass, that can only spill that which in It is Containd. Theres more to say about leaving and what Im thinking right now, but this entry is long and depressing enough, so Ill try to post an entry on American Idol or something in between. Seriously, have you seen Kelly Clarksons new video for Never Again? Love it!!

Sunday, June 21, 2020

7 Steps to Enrolling in a 529 Plan

1. Pick the plan You donï ¿ ½t have to choose your own stateï ¿ ½s 529 planï ¿ ½but perhaps you should. Check to see if your state offers some extra perksï ¿ ½like a state tax deduction, matching contribution, or expense waiverï ¿ ½that you lose with an out-of-state 529 plan. Then consider how much better an out-of-state plan must perform (or how much less it must charge in fees) to overcome the value of any foregone in-state plan benefit. You can even open accounts in more than one 529 plan if you see reason to do so. Remember, except for a few of the ï ¿ ½prepaid tuitionï ¿ ½ plans, 529 plans do not in any way restrict your beneficiaryï ¿ ½s choice of colleges from among the thousands of eligible institutions, including many foreign colleges and universities. 2. Download the official program description Granted, this is a tedious document, and most people will skim it at best. But the program disclosure statement (PDS) is the only ï ¿ ½officialï ¿ ½ description of the 529 plan, and if you decide to skip it entirely, you have no grounds for complaining later on about missing some important details concerning the 529 plan. Program rules, contribution and withdrawal procedures, investment options, fees and expensesï ¿ ½itï ¿ ½s all in there. Get easy and immediate access to the enrollment materials from the 529 plans in our Enroll Now program! 3. Name the account owner Of course, you will name yourself as account owner. But what about your spouseï ¿ ½should he or she have an account as well? (Very few plans permit joint ownership.) If the funds for the 529 plan are sourced from an existing UGMA or UTMA account, youï ¿ ½ll need to preserve the minorï ¿ ½s ownership rights by designating it as a ï ¿ ½custodial 529ï ¿ ½ account. It is also possible for corporations, trusts, and other legal entities to be account owners. Ready to enroll? Get started immediately with the 529 plans in our Enroll Now program! 4. Name the beneficiary The beneficiary must be a living individual for whom you will need to provide a social security number and, in most cases, a birth date and current address. Most 529 accounts are set up with a son, daughter, or grandchild as beneficiary, but you instead can name the kid down the street if you want. And did you know that you can even name yourself as beneficiary? Use the 529 plan to go back to school, even if only part-time, or simply change the beneficiary to another family member at any time in the future. Ready to enroll? Get started immediately with the 529 plans in our Enroll Now program! 5. Name the successor owner Who is capable of taking over the 529 account in the event of your death or incapacity? Thatï ¿ ½s the person you want to name as successor owner on the account application. Remember, the account owner has all control over the account, including the right to request distributions for college, replace the beneficiary, or even revoke the account assets. If you donï ¿ ½t have someone you can really trust as successor owner, consider setting up a legal trust to be the successor owner, with explicit instructions to the trustee on how to handle the 529 funds. Ready to enroll? Get started immediately with the 529 plans in our Enroll Now program! 6. Pick an investment option With most 529 plans, you have a choice of investment options, and they typically range from very conservative (e.g. money market funds) to fairly aggressive (e.g. 100% stocks). Select an investment optionï ¿ ½or in some plans a mix of optionsï ¿ ½that best meets your own risk tolerance and your investment objectives. The most popular option in many 529 plans is the so-called ï ¿ ½age-basedï ¿ ½ option that automatically shifts to a more conservative asset allocation as the beneficiary approaches college age. This helps manage risk in your college savings account without you lifting a finger. Ready to enroll? Get started immediately with the 529 plans in our Enroll Now program! 7. Begin making contributions You can either write a check, arrange for an electronic transfer from your bank account, or enroll in automatic monthly contributions through payroll or your bank. Most 529 plans have very low minimum contribution requirements, so if you donï ¿ ½t have a lot to set aside for college, start with just a little. Keep the gift-tax rules in mind, including the $14,000 annual gift-tax exclusion and the special five-year election for large 529 contributions, since your contributions to a 529 plan under some circumstances will require the filing of a gift-tax return. Ready to enroll? Get started immediately with the 529 plans in our Enroll Now program! 1. Pick the plan You donï ¿ ½t have to choose your own stateï ¿ ½s 529 planï ¿ ½but perhaps you should. Check to see if your state offers some extra perksï ¿ ½like a state tax deduction, matching contribution, or expense waiverï ¿ ½that you lose with an out-of-state 529 plan. Then consider how much better an out-of-state plan must perform (or how much less it must charge in fees) to overcome the value of any foregone in-state plan benefit. You can even open accounts in more than one 529 plan if you see reason to do so. Remember, except for a few of the ï ¿ ½prepaid tuitionï ¿ ½ plans, 529 plans do not in any way restrict your beneficiaryï ¿ ½s choice of colleges from among the thousands of eligible institutions, including many foreign colleges and universities. 2. Download the official program description Granted, this is a tedious document, and most people will skim it at best. But the program disclosure statement (PDS) is the only ï ¿ ½officialï ¿ ½ description of the 529 plan, and if you decide to skip it entirely, you have no grounds for complaining later on about missing some important details concerning the 529 plan. Program rules, contribution and withdrawal procedures, investment options, fees and expensesï ¿ ½itï ¿ ½s all in there. Get easy and immediate access to the enrollment materials from the 529 plans in our Enroll Now program! 3. Name the account owner Of course, you will name yourself as account owner. But what about your spouseï ¿ ½should he or she have an account as well? (Very few plans permit joint ownership.) If the funds for the 529 plan are sourced from an existing UGMA or UTMA account, youï ¿ ½ll need to preserve the minorï ¿ ½s ownership rights by designating it as a ï ¿ ½custodial 529ï ¿ ½ account. It is also possible for corporations, trusts, and other legal entities to be account owners. Ready to enroll? Get started immediately with the 529 plans in our Enroll Now program! 4. Name the beneficiary The beneficiary must be a living individual for whom you will need to provide a social security number and, in most cases, a birth date and current address. Most 529 accounts are set up with a son, daughter, or grandchild as beneficiary, but you instead can name the kid down the street if you want. And did you know that you can even name yourself as beneficiary? Use the 529 plan to go back to school, even if only part-time, or simply change the beneficiary to another family member at any time in the future. Ready to enroll? Get started immediately with the 529 plans in our Enroll Now program! 5. Name the successor owner Who is capable of taking over the 529 account in the event of your death or incapacity? Thatï ¿ ½s the person you want to name as successor owner on the account application. Remember, the account owner has all control over the account, including the right to request distributions for college, replace the beneficiary, or even revoke the account assets. If you donï ¿ ½t have someone you can really trust as successor owner, consider setting up a legal trust to be the successor owner, with explicit instructions to the trustee on how to handle the 529 funds. Ready to enroll? Get started immediately with the 529 plans in our Enroll Now program! 6. Pick an investment option With most 529 plans, you have a choice of investment options, and they typically range from very conservative (e.g. money market funds) to fairly aggressive (e.g. 100% stocks). Select an investment optionï ¿ ½or in some plans a mix of optionsï ¿ ½that best meets your own risk tolerance and your investment objectives. The most popular option in many 529 plans is the so-called ï ¿ ½age-basedï ¿ ½ option that automatically shifts to a more conservative asset allocation as the beneficiary approaches college age. This helps manage risk in your college savings account without you lifting a finger. Ready to enroll? Get started immediately with the 529 plans in our Enroll Now program! 7. Begin making contributions You can either write a check, arrange for an electronic transfer from your bank account, or enroll in automatic monthly contributions through payroll or your bank. Most 529 plans have very low minimum contribution requirements, so if you donï ¿ ½t have a lot to set aside for college, start with just a little. Keep the gift-tax rules in mind, including the $14,000 annual gift-tax exclusion and the special five-year election for large 529 contributions, since your contributions to a 529 plan under some circumstances will require the filing of a gift-tax return. Ready to enroll? Get started immediately with the 529 plans in our Enroll Now program!