Free Business Forms and Templates for Download and Print, free business plan template.#Free #business #plan

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Free Business Forms and Templates

Free business plan template

Welcome! Here you have immediate access to hundreds of free business forms and business templates that you can download and print immediately. We also offer a great selection of free legal forms.

Below are a few of our most popular business forms, business templates, and legal forms :

Employment Forms

Includes samples of employee handbook, termination letter, employment application, employee policies, independent contractor agreement, subcontractor agreements, and more.

Transfer – Assignment Forms

Includes bill of sale form, assignment of contract, assignment of copyright, conditional sale agreement, general assignment, contract of sale for personal property, and more.

Guardianship Forms

Includes temporary guardianship and short-term guardianship plus court ordered forms with links to each state.

Business Thank You Letter

Includes a free software program with over 20 different thank you templates.

Real Estate Forms

Includes lease forms, rental agreement forms, and more.

Medical Forms

Includes health care proxy form, medical power of attorney form, free child medical consent form, and more.

HR Forms

Includes incident report form, job description form, vacation request form, employee warning notice, job evaluation form, weekly expense report, and more.

Construction Contracts

Includes purchase order form, cost-plus contract, conservation easement, subcontract agreement, building contract, cost of building, contract change order, liability insurance form, and more.

Bankruptcy Forms

Includes forms for chapter 7 and chapter 13 bankruptcy.

Financial Calculators

Includes car loan calculator, home equity line of credit calculator, investment property calculator, 401k calculator, business loan calculator, self-employment tax calculator, profit margin calculator, and more.

SWOT Analysis Template

Choose from our top 10 list. Each SWOT template comes prefilled with an example.

Living Will Form

Here we offer a free living will form with a sample and step by step instructions on how to fill it out.

Business Proposal Template

Includes a generic business proposal template, bid proposal template, construction proposal template, job proposal template, and more.

Please note: If you need any of your business and legal forms reviewd by an attorney or need legal adivce, one of the best places to find an attorney in your state is to check with the American Bar Association. There you can find an attorney to review your business forms or customize one for your specific needs.


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Business Case Templates (MS Word), Templates, Forms, Checklists for MS Office and Apple iWork, free

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Business Case Templates (MS Word)

You can use this Business Case template (MS Word 22 pages) to outline the Business Need, Current Process, Services, Expected Benefits, Change Analysis, Cost estimate, Cost/Benefit Analysis, and Project Schedule. You can easily modify this MS Word template, which includes sample text in each chapter to get you started.

Free business plan template

Free business plan template

Business Case Template: Blue Theme

You get two templates in the zip file. One blue theme, the other red. Here is the blue and silver theme.

Free business plan template

Free business plan template

Free business plan template

Free business plan template Free business plan template

Free business plan template

Free business plan template

Free business plan template

Free business plan template

Free business plan template

Business Case Template: Red Theme

The red theme of the MS Word template has the exact same content as the blue theme. You can change the color scheme by updating the styles.

NB: Let me know if you need any help with this.

Free business plan template

Free business plan template

Business Case, Approval Sheet

Free business plan template

Chapter 1, Executive Summary

Free business plan template

Chapter 2, Governance and Analysis Team

Free business plan template

Chapter 3, Current Position

Free business plan template

Chapter 4, Future Process

Free business plan template

Chapter 5, Expected Risks

Free business plan template

Chapter 6, Expected Benefits

Free business plan template

Chapter 7, Change Analysis

Free business plan template

Chapter 8, Cost Estimate

Free business plan template

Chapter 9, Cost/Benefit Analysis

Free business plan template

Chapter 10, Project Schedule

Free business plan template

Business Case: Table of Contents

1 Executive Summary

1.2 Anticipated Outcomes

1.4 Critical Success Factors

2 Governance and Analysis Team

2.2 Business Case Team Members

3.1 Current Process Services

3.2 Current Technology Environment

3.2.1 Current Software

3.2.2 Current Hardware

4.1 Process Description

4.2 Performance Measures

4.3 Proposed Technology Environment

4.3.1 Methodology For Technology Selection

4.3.2 Statutory Fulfillment

4.3.3 Strategic Alignment

4.3.4 Alternatives Analysis

4.3.5 Appropriateness of Technology

4.3.6 Proposed Software

4.3.7 Proposed Hardware

10 Project Schedule

10.1 Project Milestones

11.1 Glossary of Terms

11.2 Acronyms and Abbreviations

Product Specifications

File Size: The download file is 4 MBs.

Opening the Files: You don’t need any special software to unzip the files. To unzip the files, right click on it, then select Extract, and save it to your computer

Getting Started: Depending on your MS Office settings, the files may say Read Only when you open them. If this occurs, click File, Save As and save the files. There are no security settings on any of the files.

Images: All of the images in the templates are copyright free.

The Business Case templates are in Microsoft Word format and can be downloaded online for only $9.99.

The template pack includes the following documents:

  • 2 x Business Case Templates
  • Page count: 22 pages

Free business plan template

Who are your Customers?

Here is a sample list of our customers.

Since 1998, Klariti provided products and services to Accenture, AIG, Bearing Point, Cap Gemini, Cisco, Disney, Ernst Young, GE, HBO, IBM, J.P. Morgan, KLM, KPMG, Lehman Brothers, LEVI’S, MacDonalds, Macy’s, Mayo Clinic, McCormick, McGrawHill, MEGA, Mesirow , Mitre, NHL, NTL, OmniVision, Oracle, OshKosh, PennWest Energy, Pepico, Performance Technologies, Philips, PriceWaterhouseCoopers, PV Cycle, Raytheon, Reuters, Roche, Rogers, SAAB, Sabre Holding, Safeway, Sagem Morpho, Sara Lee, Shaw, Shell, Siemens, Sikorsky, Sobeys, SpeakEasy, SunPower, Sydney Opera House, Symantec, TATA, Tetra, ThyssenKrupp, TNT, Toyota, Travellers, TYCO, UC Davis, Verizon, Visteon, Vodafone, Wachovia Securities, Wal Mart, Whirlpool, WIPRO, Zurich.

Technical SupportFree business plan template

I am here to help you with any questions. You can contact me directly if you need any helping using these templates.

What file formats do the templates work in?

The files work in MS Word 97, 2003, 2007, Office 2010, Office 2016, Windows 7, XP, Vista, and Apple iWork (if you have Word for Mac), and Google Docs.

How do I get my templates?

After you make the payment, you are sent an email. This has a link to a Download Page from where you can save the templates,

What is the refund policy?

We offer a 60 days refund policy.

I have not received my product. Who do I contact?

Please email ivan at klariti.com or info at klariti.com or ivanawalsh at gmail.com. Please include your order number.

Help! I’ve accidentally deleted my templates!

Just drop us a line with the order number. We’ll send it out.

Why does my file say it’s corrupt?

If you open a zip file during the download, it may display an error message that the file is corrupt. What this means is that not all of the file have downloaded and therefore the system thinks its contents are corrupt. Please try to download the file again or contact us for assistance. Email us the receipt number you received from eJunkie and we’ll send you another copy.

How Do I Buy the Templates?

It shows how to order templates, how can you pay (with PayPal or with Credit Cards), and how to download the template.

How do I Download the Templates?

After you buy the order, you’ll get an email with a link to download the templates.

If you have any problem downloading the templates, send me the order number and I will get back to you.

Please allow 12 hours for a response as our time zone may be different than yours.

How do I Pay with my Credit Card (Instead of PayPal)

This page explains how to buy templates using your credit card instead of PayPal.

Note: You do NOT need a PayPal account to place an order.

You can pay for your order using your credit or debit card.

You can contact me at:

As we’re in Europe, there may be a time difference when getting back to you.

Again, if there are any problems, just let me know.


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Business Case Templates (MS Word), Templates, Forms, Checklists for MS Office and Apple iWork, business

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Business Case Templates (MS Word)

You can use this Business Case template (MS Word 22 pages) to outline the Business Need, Current Process, Services, Expected Benefits, Change Analysis, Cost estimate, Cost/Benefit Analysis, and Project Schedule. You can easily modify this MS Word template, which includes sample text in each chapter to get you started.

Business plan template free

Business plan template free

Business Case Template: Blue Theme

You get two templates in the zip file. One blue theme, the other red. Here is the blue and silver theme.

Business plan template free

Business plan template free

Business plan template free

Business plan template free Business plan template free

Business plan template free

Business plan template free

Business plan template free

Business plan template free

Business plan template free

Business Case Template: Red Theme

The red theme of the MS Word template has the exact same content as the blue theme. You can change the color scheme by updating the styles.

NB: Let me know if you need any help with this.

Business plan template free

Business plan template free

Business Case, Approval Sheet

Business plan template free

Chapter 1, Executive Summary

Business plan template free

Chapter 2, Governance and Analysis Team

Business plan template free

Chapter 3, Current Position

Business plan template free

Chapter 4, Future Process

Business plan template free

Chapter 5, Expected Risks

Business plan template free

Chapter 6, Expected Benefits

Business plan template free

Chapter 7, Change Analysis

Business plan template free

Chapter 8, Cost Estimate

Business plan template free

Chapter 9, Cost/Benefit Analysis

Business plan template free

Chapter 10, Project Schedule

Business plan template free

Business Case: Table of Contents

1 Executive Summary

1.2 Anticipated Outcomes

1.4 Critical Success Factors

2 Governance and Analysis Team

2.2 Business Case Team Members

3.1 Current Process Services

3.2 Current Technology Environment

3.2.1 Current Software

3.2.2 Current Hardware

4.1 Process Description

4.2 Performance Measures

4.3 Proposed Technology Environment

4.3.1 Methodology For Technology Selection

4.3.2 Statutory Fulfillment

4.3.3 Strategic Alignment

4.3.4 Alternatives Analysis

4.3.5 Appropriateness of Technology

4.3.6 Proposed Software

4.3.7 Proposed Hardware

10 Project Schedule

10.1 Project Milestones

11.1 Glossary of Terms

11.2 Acronyms and Abbreviations

Product Specifications

File Size: The download file is 4 MBs.

Opening the Files: You don’t need any special software to unzip the files. To unzip the files, right click on it, then select Extract, and save it to your computer

Getting Started: Depending on your MS Office settings, the files may say Read Only when you open them. If this occurs, click File, Save As and save the files. There are no security settings on any of the files.

Images: All of the images in the templates are copyright free.

The Business Case templates are in Microsoft Word format and can be downloaded online for only $9.99.

The template pack includes the following documents:

  • 2 x Business Case Templates
  • Page count: 22 pages

Business plan template free

Who are your Customers?

Here is a sample list of our customers.

Since 1998, Klariti provided products and services to Accenture, AIG, Bearing Point, Cap Gemini, Cisco, Disney, Ernst Young, GE, HBO, IBM, J.P. Morgan, KLM, KPMG, Lehman Brothers, LEVI’S, MacDonalds, Macy’s, Mayo Clinic, McCormick, McGrawHill, MEGA, Mesirow , Mitre, NHL, NTL, OmniVision, Oracle, OshKosh, PennWest Energy, Pepico, Performance Technologies, Philips, PriceWaterhouseCoopers, PV Cycle, Raytheon, Reuters, Roche, Rogers, SAAB, Sabre Holding, Safeway, Sagem Morpho, Sara Lee, Shaw, Shell, Siemens, Sikorsky, Sobeys, SpeakEasy, SunPower, Sydney Opera House, Symantec, TATA, Tetra, ThyssenKrupp, TNT, Toyota, Travellers, TYCO, UC Davis, Verizon, Visteon, Vodafone, Wachovia Securities, Wal Mart, Whirlpool, WIPRO, Zurich.

Technical SupportBusiness plan template free

I am here to help you with any questions. You can contact me directly if you need any helping using these templates.

What file formats do the templates work in?

The files work in MS Word 97, 2003, 2007, Office 2010, Office 2016, Windows 7, XP, Vista, and Apple iWork (if you have Word for Mac), and Google Docs.

How do I get my templates?

After you make the payment, you are sent an email. This has a link to a Download Page from where you can save the templates,

What is the refund policy?

We offer a 60 days refund policy.

I have not received my product. Who do I contact?

Please email ivan at klariti.com or info at klariti.com or ivanawalsh at gmail.com. Please include your order number.

Help! I’ve accidentally deleted my templates!

Just drop us a line with the order number. We’ll send it out.

Why does my file say it’s corrupt?

If you open a zip file during the download, it may display an error message that the file is corrupt. What this means is that not all of the file have downloaded and therefore the system thinks its contents are corrupt. Please try to download the file again or contact us for assistance. Email us the receipt number you received from eJunkie and we’ll send you another copy.

How Do I Buy the Templates?

It shows how to order templates, how can you pay (with PayPal or with Credit Cards), and how to download the template.

How do I Download the Templates?

After you buy the order, you’ll get an email with a link to download the templates.

If you have any problem downloading the templates, send me the order number and I will get back to you.

Please allow 12 hours for a response as our time zone may be different than yours.

How do I Pay with my Credit Card (Instead of PayPal)

This page explains how to buy templates using your credit card instead of PayPal.

Note: You do NOT need a PayPal account to place an order.

You can pay for your order using your credit or debit card.

You can contact me at:

As we’re in Europe, there may be a time difference when getting back to you.

Again, if there are any problems, just let me know.


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Free Business Plan Samples #free #dvd #decoder

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#free sample

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Free Sample Business Plans

Find the sample plan you need

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How to use a sample business plan to write your own plan

If you’re like most small business owners, you’ve never had to create a business plan before. In fact, you may have never even seen a formal business plan document let alone had to put one together.

This is why we gathered this collection of sample plans for you here on Bplans. Our business plans can give you a great sense of what a finished plan looks like, what should be included, and how a plan should be structured – whether you’re building a plan for investment or just to develop a better strategy for your business.

But, building your own plan isn’t as simple as just cutting and pasting from someone else’s plan. In fact, if you do that, you will be doing yourself (and your business!) a huge disservice. Here are a few tips to get the most out of our sample business plans and build the plan your business needs to succeed.

Find a plan from a similar industry to your business, but don’t worry about finding an exact match. In fact, you won’t find an exact match for your business. That’s because every business is as unique as its owners and managers. Every business has a different location, different team, and different marketing tactics that will work for them. Instead of looking for an exact match, look for a business plan that’s for a business that operates similarly to how your business will work. For example, a business plan for a steak restaurant will actually be useful for someone starting a vegetarian restaurant because the general concepts for planning and starting a restaurant are the same regardless of what type of food you serve.

Use the sample plans for inspiration and ideas. Staring at a blank page can be the worst part of writing a business plan. In fact, that’s probably the reason that’s preventing you from getting started right now. Instead, take advantage of our sample plans to avoid writer’s block. Feel free to copy words, phrasing, and the general structure of a plan to start your own. Also, as you read through several plans, you might find ideas for your business that you hadn’t considered. Use our plans for inspiration and ideas, borrow phrasing when it makes sense, and just get going!

Write a business plan that’s right for your business. As tempting as it is, don’t just cut and paste from a sample plan. Any banker or investor will be able to tell from miles away that you copied someone else’s plan. Not only will you be less likely to get funding if you copy a business plan, you’ll be greatly reducing your chances of success because you didn’t write a plan that’s right for your specific business, its specific location, target market, and your unique product or service. Thinking through how you are going to launch your business is a critical step in starting a business that you shouldn’t let go.

The value of business planning is in the process, not the final document. By creating your own business plan, you are going to have to think about how you are going to build your own business. What marketing tactics are you going to use? What kind of management team do you need to be successful? How is your business going to set itself apart from the competition?

The process of writing a business plan guides you through answering these questions so that you end up with a strategy that works for your business. You will also end up with a plan that you can share with business partners, investors, and friends and family. Sharing your vision and your strategy is the best way to get everyone on the same page and pushing forward to build a successful business.

Use your plan as a management tool and build a better business. When you’re done with your plan and your business is up and running, your plan shouldn’t just end up in a drawer. That would be a huge waste of all the time and effort you put into your strategy, budgets, and forecast. Instead, using your plan as a tool to grow your business can be one of the most powerful things you can do to grow your business. In fact, businesses that use their plan as a management tool to help run their business grow 30% faster than those businesses that don’t.

To use your business plan to grow 30% faster than the competition, you need to track your actual results – the sales that you get and the expenses that you incur – against the goals that you set out for yourself in your plan. If things aren’t going according to plan, perhaps you need to adjust your budgets or your sales forecast. If things are going well, your plan will help you think about how you can re-invest in your business. Either way, tracking your progress compared to your plan is one of the most powerful things you can do to grow your business.

Need more? Check out our philosophy on lean planning and download a free business plan template to get your business started.

LivePlan makes business planning easy

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Health Care Systems – Four Basic Models #universal #health #care, #health #care #for #all, #single-payer,

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Health Care Systems – Four Basic Models

An excerpt from correspondent T.R. Reid s upcoming book on international health care, titled We re Number 37!, referring to the U.S. s ranking in the World Health Organization 2000 World Health Report. The book is scheduled to be published by Penguin Press in early 2009.

There are about 200 countries on our planet, and each country devises its own set of arrangements for meeting the three basic goals of a health care system: keeping people healthy, treating the sick, and protecting families against financial ruin from medical bills.

But we don t have to study 200 different systems to get a picture of how other countries manage health care. For all the local variations, health care systems tend to follow general patterns. There are four basic systems:

The Beveridge Model

Named after William Beveridge, the daring social reformer who designed Britain s National Health Service. In this system, health care is provided and financed by the government through tax payments, just like the police force or the public library.

Many, but not all, hospitals and clinics are owned by the government; some doctors are government employees, but there are also private doctors who collect their fees from the government. In Britain, you never get a doctor bill. These systems tend to have low costs per capita, because the government, as the sole payer, controls what doctors can do and what they can charge.

Countries using the Beveridge plan or variations on it include its birthplace Great Britain, Spain, most of Scandinavia and New Zealand. Hong Kong still has its own Beveridge-style health care, because the populace simply refused to give it up when the Chinese took over that former British colony in 1997. Cuba represents the extreme application of the Beveridge approach; it is probably the world s purest example of total government control.

The Bismarck Model

Named for the Prussian Chancellor Otto von Bismarck, who invented the welfare state as part of the unification of Germany in the 19th century. Despite its European heritage, this system of providing health care would look fairly familiar to Americans. It uses an insurance system the insurers are called sickness funds usually financed jointly by employers and employees through payroll deduction.

Unlike the U.S. insurance industry, though, Bismarck-type health insurance plans have to cover everybody, and they don t make a profit. Doctors and hospitals tend to be private in Bismarck countries; Japan has more private hospitals than the U.S. Although this is a multi-payer model Germany has about 240 different funds tight regulation gives government much of the cost-control clout that the single-payer Beveridge Model provides.

The Bismarck model is found in Germany, of course, and France, Belgium, the Netherlands, Japan, Switzerland, and, to a degree, in Latin America.

The National Health Insurance Model

This system has elements of both Beveridge and Bismarck. It uses private-sector providers, but payment comes from a government-run insurance program that every citizen pays into. Since there s no need for marketing, no financial motive to deny claims and no profit, these universal insurance programs tend to be cheaper and much simpler administratively than American-style for-profit insurance.

The single payer tends to have considerable market power to negotiate for lower prices; Canada s system, for example, has negotiated such low prices from pharmaceutical companies that Americans have spurned their own drug stores to buy pills north of the border. National Health Insurance plans also control costs by limiting the medical services they will pay for, or by making patients wait to be treated.

The classic NHI system is found in Canada, but some newly industrialized countries Taiwan and South Korea, for example have also adopted the NHI model.

The Out-of-Pocket Model

Only the developed, industrialized countries perhaps 40 of the world s 200 countries have established health care systems. Most of the nations on the planet are too poor and too disorganized to provide any kind of mass medical care. The basic rule in such countries is that the rich get medical care; the poor stay sick or die.

In rural regions of Africa, India, China and South America, hundreds of millions of people go their whole lives without ever seeing a doctor. They may have access, though, to a village healer using home-brewed remedies that may or not be effective against disease.

In the poor world, patients can sometimes scratch together enough money to pay a doctor bill; otherwise, they pay in potatoes or goat s milk or child care or whatever else they may have to give. If they have nothing, they don t get medical care.

These four models should be fairly easy for Americans to understand because we have elements of all of them in our fragmented national health care apparatus. When it comes to treating veterans, we re Britain or Cuba. For Americans over the age of 65 on Medicare, we re Canada. For working Americans who get insurance on the job, we re Germany.

For the 15 percent of the population who have no health insurance, the United States is Cambodia or Burkina Faso or rural India, with access to a doctor available if you can pay the bill out-of-pocket at the time of treatment or if you re sick enough to be admitted to the emergency ward at the public hospital.

The United States is unlike every other country because it maintains so many separate systems for separate classes of people. All the other countries have settled on one model for everybody. This is much simpler than the U.S. system; it s fairer and cheaper, too.

Note – Reid s Beveridge model corresponds to what PNHP would call a single payer national health service (UK); Bismark model refers to countries that PNHP would say use non-profit sickness funds or a social insurance model (Germany); and National health insurance corresponds to single payer national health insurance (Canada, Taiwan). Reid s out-of-pocket model is what PNHP would call market driven health care. Some countries have mixed models (e.g. Sweden has some features of a national health service such as hospitals run by county government; but other features of national health insurance such as physicians being paid on a FFS basis). This explains why Reid might classify the Scandinavian systems as Beveridge while PNHP classifies them as single payer national health insurance.


SparkNotes: The Great Gatsby: Chapter 5 #the #great #gatsby, #chapter #5, #f. #scott #fitzgerald, #scene

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Summary

That night, Nick comes home from the city after a date with Jordan. He is surprised to see Gatsby s mansion lit up brightly, but it seems to be unoccupied, as the house is totally silent. As Nick walks home, Gatsby startles him by approaching him from across the lawn. Gatsby seems agitated and almost desperate to make Nick happy he invites him to Coney Island, then for a swim in his pool. Nick realizes that Gatsby is nervous because he wants Nick to agree to his plan of inviting Daisy over for tea. Nick tells Gatsby that he will help him with the plan. Overjoyed, Gatsby immediately offers to have someone cut Nick s grass. He also offers him the chance to make some money by joining him in some business he does on the side business that does not involve Meyer Wolfshiem. Nick is slightly offended that Gatsby wants to pay him for arranging the meeting with Daisy and refuses Gatsby s offers, but he still agrees to call Daisy and invite her to his house.

It rains on the day of the meeting, and Gatsby becomes terribly nervous. Despite the rain, Gatsby sends a gardener over to cut Nick s grass and sends another man over with flowers. Gatsby worries that even if Daisy accepts his advances, things between them will not be the same as they were in Louisville. Daisy arrives, but when Nick brings her into the house, he finds that Gatsby has suddenly disappeared. There is a knock at the door. Gatsby enters, having returned from a walk around the house in the rain.

At first, Gatsby s reunion with Daisy is terribly awkward. Gatsby knocks Nick s clock over and tells Nick sorrowfully that the meeting was a mistake. After he leaves the two alone for half an hour, however, Nick returns to find them radiantly happy Daisy shedding tears of joy and Gatsby glowing. Outside, the rain has stopped, and Gatsby invites Nick and Daisy over to his house, where he shows them his possessions. Daisy is overwhelmed by his luxurious lifestyle, and when he shows her his extensive collection of English shirts, she begins to cry. Gatsby tells Daisy about his long nights spent outside, staring at the green light at the end of her dock, dreaming about their future happiness.

Nick wonders whether Daisy can possibly live up to Gatsby s vision of her. Gatsby seems to have idealized Daisy in his mind to the extent that the real Daisy, charming as she is, will almost certainly fail to live up to his expectations. For the moment, however, their romance seems fully rekindled. Gatsby calls in Klipspringer, a strange character who seems to live at Gatsby s mansion, and has him play the piano. Klipspringer plays a popular song called Ain t We Got Fun? Nick quickly realizes that Gatsby and Daisy have forgotten that he is there. Quietly, Nick gets up and leaves Gatsby and Daisy alone together.

Analysis

Chapter 5 is the pivotal chapter of The Great Gatsby, as Gatsby s reunion with Daisy is the hinge on which the novel swings. Before this event, the story of their relationship exists only in prospect, as Gatsby moves toward a dream that no one else can discern. Afterward, the plot shifts its focus to the romance between Gatsby and Daisy, and the tensions in their relationship actualize themselves. After Gatsby s history with Daisy is revealed, a meeting between the two becomes inevitable, and it is highly appropriate that the theme of the past s significance to the future is evoked in this chapter. As the novel explores ideas of love, excess, and the American dream, it becomes clearer and clearer to the reader that Gatsby s emotional frame is out of sync with the passage of time. His nervousness about the present and about how Daisy s attitude toward him may have changed causes him to knock over Nick s clock, symbolizing the clumsiness of his attempt to stop time and retrieve the past.

We’re reading The Great Gatsby and WE HAVE THOUGHTS

Gatsby s character throughout his meeting with Daisy is at its purest and most revealing. The theatrical quality that he often projects falls away, and for once all of his responses seem genuine. He forgets to play the role of the Oxford-educated socialite and shows himself to be a love-struck, awkward young man. Daisy, too, is moved to sincerity when her emotions get the better of her. Before the meeting, Daisy displays her usual sardonic humor; when Nick invites her to tea and asks her not to bring Tom, she responds, Who is Tom ? Yet, seeing Gatsby strips her of her glib veneer. When she goes to Gatsby s house, she is overwhelmed by honest tears of joy at his success and sobs upon seeing his piles of expensive English shirts.

Next: Page 2 of Chapter 5


The Reports on Public Credit I – A Biography of Alexander Hamilton (1755-1804) – Biographies

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A Biography of Alexander Hamilton (1755-1804)

The Reports on Public Credit I

Report Relative to a Provision for the Support of Public Credit (Submitted to Congress on January 9, 1790)

In this massive and detailed report which would determine the permanent financial foundation of the United States, Hamilton began by humbly stating the overwhelming nature of the task he had tackled and the underlying principle of his plan:

“In the discharge of this duty, he has felt, in no small degree, the anxieties which naturally flow from a just estimate of the difficulty of the task, from a well-founded diffidence of his own qualifications for executing it with success, and from a deep and solemn conviction of the momentous nature of the truth contained in the resolution under which his investigations have been conducted. ‘That an adequate provision for the support of the Public Credit is a matter of high importance to the honor and prosperity of the United States.'”

The debt would be funded; that is, the federal government would convert its debts into interest bearing bonds which would mature after an assigned period of time. A sinking fund of revenue from the post office would be established for the payment of the principal of the debt.

The plan contained three basic provisions for the handling of the debt:

  • As mandated by the constitution, the foreign debt and interest would be paid in full according to the terms initially agreed to.
  • The principal of the domestic debt would be paid at par (with 4 percent interest on long-term, and 6 percent on short-term bonds–slightly less than the interest promised by the Confederation government) to current bearers.

  • State debts would be assumed by the federal government with interest payments deferred until 1792.

  • Federal stocks would circulate as money, thus making capital more plentiful and readily available. Large reserves of capital would encourage commerce, as well as agriculture and manufactures. The availability of cash, and its rapid circulation would lower interest rates, making it “easier and cheaper” for individuals and smaller businesses to secure loans for their enterprises.

    Hamilton’s plan for revenue was based upon an import tariff and an excise. To soften the blow of such a tax plan, Hamilton painted the items to be taxed as darkly as possible: “They are all of them, in reality–luxuries–the greatest part of them foreign luxuries. pernicious luxuries. ” Spirits, which because of their “cheapness” are imbibed to an extreme, “which is truly to be regretted, as well in regard to the health and the morals, as to the conomy of the community. “

    THE OPPOSITION – FUNDING

    If asked how he came to his conclusions on the funding of the public debt, Hamilton might have answered in a Sherlock Holmes deadpan, “why, it’s elementary.” It was not so evident to congress.

    It took some time for congress to digest the report, but when they did, a bitter controversy ensued. Hamilton obviously had expected some objections to his plan, but he had not bargained for the extent of the outcry, nor for the direction from which it came.

    The voice of the opposition came from James Madison, whom Hamilton considered a friend and ardent fellow Federalist. He had depended upon Madison’s support for his plans, and his former collaborator’s opposition was to Hamilton a shocking blow both personally and politically.

    Madison and the opposition did not object to the funding of the debt, rather they disagreed as to who should be paid and how much. During the course of the war and afterward, many holders of continental bonds, often veterans and farmers who had contributed goods and services to the war effort, sold their certificates at depreciated prices for much needed cash. Now that provisions had been made to fund the certificates, those who had bought bargain certificates would reap monstrous profits, leaving nothing for the original bearers.

    Madison argued that this was unfair, and only served to further enrich an already wealthy class of merchants and “stock-jobbers” at the expense of farmers, soldiers, and backwoodsmen. Madison favored a plan of discrimination, paying the original bearers the nominal value of the certificates they once held, while paying the current bearer the highest market value plus interest. Granting benefits to both types of investors, in Madison’s view, would be more just.

    THE OPPOSITION – ASSUMPTION

    The plan for assumption of states’ debts was also seen as unfair in that it favored states that still retained large wartime debts. Some states, such as Virginia, had already paid much of their debt and would not benefit as much as states who had been less assiduous about paying their bills. Indeed, the Virginians asserted that, given the opportunity to balance their accounts with the federal government, they would be owed some three million dollars. The opposition called for the balancing of accounts between individual states and the government before making a decision on assumption. The decision, of course, would be based on whatever was more profitable to the states.

    HAMILTON’S JUSTIFICATION

    Although he had briefly toyed with the idea of discrimination, Hamilton eventually rejected it on a number of grounds. At the very base, it would be an administrative nightmare to track down the original bearers and verify claims. More far-reaching problems were inherent in Madison’s plan, however. Hamilton understood that the foundation of any financial system was faith. Investors needed faith in the strength of the system and the prospect of dividends before risking capital on an enterprise. It would be a breach of that faith if holders of public securities marked “payable to the bearer” were not given their due return. The United States needed to be consistent in its policies, and to uphold basic tenets of good faith from the outset in order to generate confidence with investors at home and abroad. In fact, the original bearers had already engaged in a speculation of their own. The current bearers, who had gambled on the certificates themselves, should not be penalized.

    Hamilton did not deny that the funding plan would ultimately concentrate large amounts of capital in select hands; but this was part of his larger plan. Those in possession of large bankrolls would reinvest their capital in the government and in enterprise which would benefit the economy as a whole.

    Underlying Hamilton’s reasoning, as always, was the intention of strengthening the union and diminishing as much as possible the strength of the states. Fusing the interests of the public creditors to the central government was a necessary step in that direction.

    THE DEAL

    The report was fiercely debated in congress throughout the spring. Hamilton waited anxiously, and monitored the proceedings with mounting anguish as his former ally denounced his work and endeavored to defeat it. If that was not enough, he also had to endure cruel personal attacks in the press. One such diatribe which appeared in papers in both Virginia and New York indicates that details of Hamilton’s background were circulating and being used as cheap ammunition against him and his policies. It described the assumption plan as a “bastard of eastern speculators,” delivered through the midwifery of the Secretary of the Treasury, and baptized “Alex–der Assumption.”

    With defeat of the entire plan imminent, Hamilton appealed to Secretary of State Thomas Jefferson to help him win over the largely Virginian-led opposition. Jefferson invited Madison and Hamilton to dinner, and offered to cut a deal. Jefferson proposed to Hamilton that he and Madison would conjure the extra votes needed to pass his plan if it were tied in with a bill to place the national capitol on the Potomac–near Virginia, and more accessible to the south as a whole. An interim location in Philadelphia would placate those politicians who had favored that city as the capitol; and the fact that it would be far removed from Hamilton’s power base of Manhattan was probably significant to the Virginians as well.

    Hamilton agreed, and as promised, the Virginians brokered the two extra votes needed to pass the funding and assumption in the House. Hamilton had triumphed; and the entire central government packed their bags for Philadelphia.


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    UNI-CARE 200 Discount Dental Plan #the #empire #plan #insurance

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    Our Prescription Drug Plan links most of the largest pharmacy chains into a common and consistent savings program. Through an exclusive agreement with one of nation’s premier drug management organizations, members can obtain savings of up to 30-75% on drug prices through a national network of approximately 53,000 pharmacies.

    Take your membership card with you to a participating pharmacy. Show your membership card to the pharmacist. The pharmacist will enter the information on your membership card into the on-line computer system, and you will be immediately eligible for the special negotiated price. Your actual cost will be the contract price or the pharmacy’s customary charge that day, whichever is lower. As a member you will receive savings on many brand name and generic prescription drugs.

    Some major chain participants include:

    Note: The Prescription Drug Plan cannot be used in conjunction with any other discount prescription program.

    An important part of the Prescription Drug Plan is the mail services option. You can use the mail order service anytime, but it is most convenient when ordering medication you take on a regular basis. The mail order service can save you even more money than the retail pharmacy program.

    • The mail order form will provide the address to which you will send: your mail order form, a new prescription from your doctor and pre-payment by check, money order or credit card.
    • If a credit card is used, refills can be ordered by calling Sav-Rx customer service at the toll free phone number found in your Members Area. If a check or money order is used, refills can be ordered with the re-order envelope included with your original order.
    • Your physician may also fax in a prescription to Sav-Rx at the toll free phone number found in your Members Area.
    • All prescriptions are filled in full size packages of up to a 100-day supply. Please contact Sav-Rx the toll free phone number found in your Members Area for information on the package size and pricing for your medication.
    • It is standard pharmacy practice to substitute generic equivalents for brand name drugs whenever possible, unless your physician will not allow a generic substitute or you specify otherwise.
    • Most regular prescriptions are mailed via first class mail within 24 hours of receipt of your order by Sav-Rx. Please allow 3-6 business days mailing time after Sav-Rx processes your prescription.

    This plan is NOT insurance. This plan does not meet the minimum creditable coverage requirements under M.G.L. c. 111M and 956 CMR 5.00. This is not a Medicare prescription drug plan. The plan provides discounts at certain health care providers for medical services. The plan does not make payments directly to the providers of medical services. The plan member is obligated to pay for all health care services but will receive a discount from those health care providers who have contracted with the discount medical plan organization. The range of discounts will vary depending on the provider type and services provided. The licensed discount medical plan organization is Coverdell Company, Inc. at 8770 W. Bryn Mawr, Suite 1000, Chicago, IL 60631, 1-800-308-0374. To view a listing of participating providers visit www.findbestbenefits.com and enter promo code 979000. You have the right to cancel this plan within 30 days of the effective date for a refund of membership fees paid, less any allowable non-refundable processing fee.

    Eye Care Benefit

    This vision program offers members 10% to 60% off eyeglasses, contact lenses (excluding disposables), and other retail eyewear items as well as 10% to 30% off eye examinations and 40% to 50% off the national average on LASIK. Over 12,000 eye care professionals nationwide – including many local opticians – participate in this Benefit.

    Some Major Participating Eye Care Professionals Include:

    For Eyes Optical
    JCPenney
    LensCrafters
    Pearle Vision
    Sears Optical
    Sterling Optical
    Target Optical
    Visionworks

    How to Use Your Vision Plan

    1. Call the number on your member card for participating provider locations or use the Personalized Provider Directory to obtain a list of participating providers in your area.
    2. Locate the vision network name on the front of your membership card. Give this network name to your provider when making your appointment.*
    3. At your appointment, simply present your membership card before getting treatment to be assured that the proper discount is applied.
    4. There are no limits on the number of times you may use the benefit per year.
    5. If you, or the provider, have any questions, contact Customer Service at the number listed on your membership card.

    *These are examples only. Savings will vary by procedure, provider and geographical area.

    Replacement Contact Lenses

    Replacement contact lenses can be ordered through the mail order service at discounted prices. Call 1-800-878-3901 and give the operator the brand and type of lens for a price quote over the phone.

    Mail a valid doctor s contact lens prescription to: America s Eyewear, P.O. Box 810255, Farmers Branch, TX 75381 and include your name and plan membership number from your membership card. You may place orders as often as you wish prior to the expiration date of the prescription.

    Most orders are received within 7 to 14 days and can be paid for by Visa, MasterCard, money order or check.

    Mail Order Option through FramesDirect.com

    Choose from over 100,000 frames from top name brands. Save either 40% on lenses for eyeglasses or sunglasses when ordering online, or save 15% off your entire order through FramesDirect.com (excludes
    contact lenses and certain brands of eyewear due to manufacturer guidelines). Includes free standard shipping for orders over $99.

    Low Price Guarantee:

    If you find a lower price anywhere else on the exact same pair of prescription eyeglasses purchased at a participating location within 30 days, the difference will be refunded.

    30 day Unconditional Guarantee

    Your satisfaction in the vision program and the mail order service is fully guaranteed within 30 days for an exchange or full refund. If for any reason you are not happy with a purchase at the retail locations or through the mail, return the merchandise within 30 days for an exchange or full refund.

    Using the Guarantees

    To utilize any of the guarantees, call Customer Service at the number shown on your membership card.

    Vision benefit not available to Washington and Vermont residents

    Members can save 15% on the latest digital hearing aids, including a wide range of small, discrete and sophisticated models. Explore the world of better hearing and experience significant savings on any hearing aid purchase. In addition, you will receive discounts on options and accessories, such as remote controls and Bluetooth capability. You will also enjoy savings and no-charge follow up care with any hearing aid purchase. Free hearing aid batteries (16 cells) with any hearing aid purchase and an unconditional 45-day refund policy on hearing aids and a no charge replacement of any hearing aid if it has been repaired three times or more in the first year from the date of delivery.

    Hearing aids aren’t the answer? Visit hearingshop.com and save 10% on telephone amplifiers, TV listening products and other helpful solutions for hearing loss.

    Type of Hearing Aid

    Savings plans are NOT insurance and the savings will vary by provider, plan and zip code. These plans are not considered to be qualified health plans under the Affordable Care Act. Please consult with the respective plan detail page for additional plan terms. The discounts are available through participating healthcare providers only. To check that your provider participates, visit our website or call us. Since there is no paperwork or reimbursement, you must pay for the service at the time it’s provided. You will receive the discount off the provider’s usual and customary fees when you pay. We encourage you to check with your participating provider prior to beginning treatment.


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    Cpanel Hosting Services #web #hosting, #hosting, #cheap #web #hosting, #unix #hosting, #shared #web #hosting, #shared

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    Cpanel Hosting

    What is cPanel?

    cPanel is the web hosting industry’s most trusted and reliable control panel interface. It combines all the tools and features of your hosting plan into one central hub. Everything from creating email addresses to setting up a new website builder can be managed by cPanel. The cPanel interface is also extremely intuitive and simple to navigate, even for beginners.

    Easy-to-use Control Panel

    1-Click App Installs

    Hundreds of website applications included FREE

    Softaculous is an app installer included free in your cPanel account. It automates the installation of some of your favorite website software such as WordPress, Drupal, Magento, and many more. With over 400 applications spanning categories like blogging tools, shopping carts, and content management systems, our cPanel has everything you could need to create and manage your dream site.

    Hassle-Free Email Management

    Unlimited Email with POP, IMAP, and SMTP

    With cPanel hosting you can manage all of your email accounts from one place. Easily create email addresses, set up email forwarding, customize SPAM filtering and much more. You can utilize POP, IMAP, and SMTP and can check your email using cPanel’s webmail clients like Horde, Roundcube, or SquirrelMail. And because we provide unlimited email on all hosting plans, Web Hosting Hub is the best place to manage your email with cPanel hosting.

    Website Stats and Logs

    Data and analytics to make your site better

    cPanel includes multiple tools for tracking and monitoring website performance and activity. Know your audience and maximize your websites effectiveness using Webalizer and AWStats. You can view everything from Visitor History to the Search Terms your visitors used to find your website.


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    National Association of Special Education Teachers: Computer Hardware and Software for Special Education #computer #software,

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    IEP Goals, Objective and Activities

    NASET has created a simple, and easy to use application for the iPad and iPhone. The IEP Goals, Objectives Activities App provides a convenient tool to easily choose and build a student’s list of IEP Annual Goals, Short Term Objectives, and Behavioral Objectives.

    In order to do this, you will be able to choose from:

    • Numerous Annual Goal areas;
    • Over 100 Short Term Objectives
    • Almost 5,000 Behavioral Objectives

    Plus, this app allows you to:

    • Plan each student’s educational curriculum
    • Develop, from a list of over 2,700 Suggested Activities, enrichment experiences to enhance student development
    • Export the assembled annual goals, short term objectives and behavioral objectives for each student via email

    Failure Free Reading’s materials include a unique combination of print, talking software, and teacher directed lessons. Classroom kits include teacher’s manual, reinforcement activities, student workbooks, independent reading booklets, instructional readers, flashcards, parent communication letters, certificate of accomplishments, and more. Software includes spelling, listening comprehension, story books, language development, reading comprehension activities and more. The software also has Spanish resources for teaching English to Spanish speaking students.

    Failure Free Reading uses a model of repetition, control, and feedback – integrating teacher, text, and technology. The program is integrated and coordinated to provide multiple exposures in multiple contexts. Students read material that is designed to be of interest to students in their grade/age level; the logic of the program is that at each and every level, repetition, semantic support in the form of word meaning and word pronunciations, and the “additive” principle of sentence complexity (which is relaxed in grade 3 and above) provide the scaffolding that helps students cope with the texts.

    Progressive Academic Learning Systems (PALS)

    ABA/Discrete Trial Educational CD

    • Educational software for school and home
    • 168 lessons
    • 44,000+ tasks
    • Supports school curriculum standards
    • Spanish version available

    SofDesign International, Inc.
    701 E. Plano Pkwy
    Suite 500
    Plano, Texas 75074
    Phone 972.644.0098
    Fax 214.722.1500

    Parrot Software
    P.O. Box 250755
    West Bloomfield, MI 48325
    Phone: 1-800-727-7681
    FAX: 248-788-3224
    International: 1-248-788-3223

    Computer software and more at special

    teacher only prices. Proof of employment as

    a teacher required to purchase products at their

    LEAPS – Online Resources for Behavior Remediation

    Provenio’s flagship product, LEAPS, (Life Excelerator/Assessment of Personal Skills) consists of a research-based interactive library covering 109 coping, adapting and functioning life skills. LEAPS’ assessment tool allows instructors to assess each individual student’s instructional needs and prescribes a personalized instructional program for the behavior component of the IEP process.

    About

    2006/2007 National Association of Special Education Teachers. All rights reserved