First term argument essay
Stock vs. Real Estate
Stocks and Real Estate, two ways that people have been investing their money for decades. While both have been proven to help build wealth over time which one is the better investment? When saving for retirement which one should you put your money into? I am here to tell you that stocks is the way to go. There are many reasons as to why you should invest your money into the stock market. When investing into stocks you have the potential for high returns, lowers costs with more benefits, and generally there's less work involved compared to real estate.
in the past 60 years it has been shown that people who invest in stocks get an 8% return compared to the 2-4% of real estate investors. If you do your homework, and put time into researching stocks you have the potential for a high return. Also if you are investing into large companies if their profits increase yearly so will their cash dividends, meaning more money for you, which you can put into more shares, and since you are investing for retirement this is perfect. If I were to ask you without knowing which was stock and which one was real estate, what would you choose 2% or 8%?
Compared to real estate, stocks can be both cost efficient and come with a lot more benefits. In real estate you have money going out in a lot of different areas. In the beginning you must pay an initial investment amount or a down payment. Purchasing insurance is another thing that real estate investors need to keep themselves safe from potential lawsuits. You also have taxes, and if need be professionals to help you or the house, the money can just pile up. Liquidity is another thing that stocks offers you that real estate can't. If you need money on the spot or you don't like a certain share you own, you can sell it fast and easy. The only thing you pay for is a small $10 dollar transaction fee. The best you can do for real estate is take out a home equity line, these are expensive and you still wouldn't see this money for at least a month. Stocks offers a faster means of getting to your money.
Lastly compared to real estate there is less work involved with stocks. Since real estate is tangible there is a lot of hands on work involved with it. Managing maintenance, hiring professionals, and watching your tenants are all part of real estate. With stocks you don't have to worry about any of those things. Stocks are intangible, if you wanted to you could buy shares, forget about them (not recommended), and you still have the chance to make money. While there is work involved into stocks such as researching companies, watching the market, etc. It is easier work to do, and if you want hire a stock broker to do it for you. Stocks are more manageable, leaving you time to focus on other things.
Some may say that you shouldn't invest into stocks because you could lose your entire investment. This is true, nothing is guaranteed in stocks, you could win a lot or you could lose a lot; however there are ways to make sure this doesn't happen. Do your research, invest into a good company, know your risk tolerance, and how much you are willing to spend. If you don't feel 100% sure you can always hire a stock broker to help you make decisions. If you are financially sound you don't need to worry about losing your investment.
In conclusion if you want to invest for your future and your retirement stocks is the way to go. When investing into stock there is more potential to get a high return, lower costs with more benefits, and generally there's less work involved compared to real estate. In the end this is your money, invest into what you feel comfortable with, however if you are looking for a big return stocks is the way to go.
Stocks and Real Estate, two ways that people have been investing their money for decades. While both have been proven to help build wealth over time which one is the better investment? When saving for retirement which one should you put your money into? I am here to tell you that stocks is the way to go. There are many reasons as to why you should invest your money into the stock market. When investing into stocks you have the potential for high returns, lowers costs with more benefits, and generally there's less work involved compared to real estate.
in the past 60 years it has been shown that people who invest in stocks get an 8% return compared to the 2-4% of real estate investors. If you do your homework, and put time into researching stocks you have the potential for a high return. Also if you are investing into large companies if their profits increase yearly so will their cash dividends, meaning more money for you, which you can put into more shares, and since you are investing for retirement this is perfect. If I were to ask you without knowing which was stock and which one was real estate, what would you choose 2% or 8%?
Compared to real estate, stocks can be both cost efficient and come with a lot more benefits. In real estate you have money going out in a lot of different areas. In the beginning you must pay an initial investment amount or a down payment. Purchasing insurance is another thing that real estate investors need to keep themselves safe from potential lawsuits. You also have taxes, and if need be professionals to help you or the house, the money can just pile up. Liquidity is another thing that stocks offers you that real estate can't. If you need money on the spot or you don't like a certain share you own, you can sell it fast and easy. The only thing you pay for is a small $10 dollar transaction fee. The best you can do for real estate is take out a home equity line, these are expensive and you still wouldn't see this money for at least a month. Stocks offers a faster means of getting to your money.
Lastly compared to real estate there is less work involved with stocks. Since real estate is tangible there is a lot of hands on work involved with it. Managing maintenance, hiring professionals, and watching your tenants are all part of real estate. With stocks you don't have to worry about any of those things. Stocks are intangible, if you wanted to you could buy shares, forget about them (not recommended), and you still have the chance to make money. While there is work involved into stocks such as researching companies, watching the market, etc. It is easier work to do, and if you want hire a stock broker to do it for you. Stocks are more manageable, leaving you time to focus on other things.
Some may say that you shouldn't invest into stocks because you could lose your entire investment. This is true, nothing is guaranteed in stocks, you could win a lot or you could lose a lot; however there are ways to make sure this doesn't happen. Do your research, invest into a good company, know your risk tolerance, and how much you are willing to spend. If you don't feel 100% sure you can always hire a stock broker to help you make decisions. If you are financially sound you don't need to worry about losing your investment.
In conclusion if you want to invest for your future and your retirement stocks is the way to go. When investing into stock there is more potential to get a high return, lower costs with more benefits, and generally there's less work involved compared to real estate. In the end this is your money, invest into what you feel comfortable with, however if you are looking for a big return stocks is the way to go.
Second term argument essay
National vs. Private Healthcare
Healthcare; one of the single most important things that you can own in your life, it pays for when you get injured so you don’t lose all your money in the process. Right now everyone in the United States is talking about it; from the President of The United States of America to the everyday average Joe. For the 238 years that we have been a country it has been something that we haven’t been able to figure out. We have jumped from one system to another, right now we are just a pot of different ways to get health insurance. As of 2010 President Barack Obama even signed the Patient Protection and Affordable Care Act (PPACA) law to make sure that everyone in America can get covered by affordable healthcare. While it is a step in the right direction we still have a long ways to go.
For this paper we will be talking about the two main healthcare options used most often in the U.S, National and Private Healthcare insurance. So what is the difference, and which one would better solve our nation’s healthcare problem? Let’s start off with what they are National insurance is healthcare that is provided by the government to the people, while Private insurance is healthcare that is provided by employer’s to their employees. Now that we know what they are, which one is the better choice? I believe that National Healthcare is the way to go because it can extend our lives, reduce medical costs, and there are models for this system in countries around the world.
First off let’s talk about how extending our lives. Right now we live in an amazing time for medical advances. Stem cell research, 3D printing of organs, less evasive surgeries, they are all in the realm of possibility now. If we chose to go National healthcare all of our citizens could live longer because of these advances. Just look at countries that use National Healthcare insurance their citizens are living longer lives compared to the United states according to live strong “Canadians have a three-percent higher lifespan than Americans, according to United North America.” If you looked at other countries you would find similar results. Japan for example has a life expectancy of 84.6 years a whopping 5 years more than compared to the United States at 79.8 years. It is estimated by CNN that over 45,000 citizens of the U.S die because they lack the access to Healthcare; the scary part is that over 45 million are not insured. Not only would our citizens live longer but we could also save them too.
Secondly, the cost for healthcare is way too high; it’s astonishingly inflated to say the least. Why is that? Well without the government being able to regulating healthcare, insurance premiums, and hospital fees the people in the insurance companies and hospital can make it cost whatever they like. We live in a country that is driven by capital and while that is good for a lot of things, our health is not one of them. With a National Healthcare in place these costs can all go down. The government would be able to regulate all these things that I previously mentioned and the costs of the expenses would plummet. Now if this government monitoring was in place you could have a piece of mind instead of worrying that you will out of money once you are better.
Lastly, but I would say most importantly is that this system has been established around the world by other fully developed countries. Now why do I say this is most important? Well it would give us somewhere to look to if we ever need help or ran into problems. We need to stop trying to always do things our own way and look to others for help. I know this can be shocking to some, but other countries are better at healthcare than us. When our founding fathers were creating this country they looked to things such as democracy in Greece, and France, the Magna Carta, and the Petition of Rights to form our country, now look where we are today with that. It can be the same way with healthcare all we need to do is start.
A good country to start with would be Japan. Why start there? Well as previously mentioned their life expectancy is five years longer than ours, their system is also fair. The patient is only responsible for 30% of the medical service costs while the government takes care of the other 70%, this will allow people with lower wages the opportunity they need to get services if they need. The fees are set by the government meaning there would be inflation set by insurance companies or hospitals.
Another nice thing offered by the Japanese healthcare is that by law the citizen can choose where he or she wants to go for treatment. This isn’t always the case with National Healthcare but it is for Japan. On trueblog.com it shows how many countries have National Healthcare “Thirty-two of the thirty-three developed nations have universal health care, with the United States being the lone exception.” How many times have you heard about other developed countries having problems with healthcare? There are twenty-two countries that we can look to for help. We could pick the best about each and make our healthcare better just like we did with government. It wasn’t always smooth sailing, but look what can be accomplished.
Some might disagree with National Healthcare, stating things such as too long of wait times for patients. Where someone might go into the emergency room with the common cold making people with more serious injuries or disease have to wait longer. While I can see where they are coming from, isn’t this already the case? People go into emergency rooms all the time for minor things that don’t need to be seen right away or they die.
There are a few ways that I can think of on how we could stop this from happening. One if a non-urgent did come into the E.R a doctor would do a brief diagnose, if the physician felt they were not sick enough to stay there they could transfer them to an adjacent ward that was made for non-urgent. Two, they could charge the patient with a penalty for using it when they didn’t need too. These are coming from a 17 year old senior in High School; if I can think then I know others can think of better ones. Also I don’t think that most people would do something like this. People have common sense, and if they know they won’t die if they have wait 15 extra minutes they won’t go to the E.R.
In conclusion, I believe that our nation would be better off if we went with a National Healthcare system. There are many reasons why I believe this, it can extend our lives and save the lives of those not covered, reduce medical costs by having our government regulate costs, and there are models for this system in countries around the world that we can get help from. Our system hasn’t been working for a long time now, we all know it, and we talk about it all the time. While it may take time to put a National Healthcare system into effect, it will be well worth it. We will be able to save so many people in doing so. Just look at our government, it wasn’t built in one day, but we did, and we can do the same with our health care. While I don’t fully agree with all the terms of Obamacare it is a step in the right direction, now we can’t ignore it anymore. This system is used by 22 other developed countries, it is time that we stop being third world healthcare wise, and join the others.
Healthcare; one of the single most important things that you can own in your life, it pays for when you get injured so you don’t lose all your money in the process. Right now everyone in the United States is talking about it; from the President of The United States of America to the everyday average Joe. For the 238 years that we have been a country it has been something that we haven’t been able to figure out. We have jumped from one system to another, right now we are just a pot of different ways to get health insurance. As of 2010 President Barack Obama even signed the Patient Protection and Affordable Care Act (PPACA) law to make sure that everyone in America can get covered by affordable healthcare. While it is a step in the right direction we still have a long ways to go.
For this paper we will be talking about the two main healthcare options used most often in the U.S, National and Private Healthcare insurance. So what is the difference, and which one would better solve our nation’s healthcare problem? Let’s start off with what they are National insurance is healthcare that is provided by the government to the people, while Private insurance is healthcare that is provided by employer’s to their employees. Now that we know what they are, which one is the better choice? I believe that National Healthcare is the way to go because it can extend our lives, reduce medical costs, and there are models for this system in countries around the world.
First off let’s talk about how extending our lives. Right now we live in an amazing time for medical advances. Stem cell research, 3D printing of organs, less evasive surgeries, they are all in the realm of possibility now. If we chose to go National healthcare all of our citizens could live longer because of these advances. Just look at countries that use National Healthcare insurance their citizens are living longer lives compared to the United states according to live strong “Canadians have a three-percent higher lifespan than Americans, according to United North America.” If you looked at other countries you would find similar results. Japan for example has a life expectancy of 84.6 years a whopping 5 years more than compared to the United States at 79.8 years. It is estimated by CNN that over 45,000 citizens of the U.S die because they lack the access to Healthcare; the scary part is that over 45 million are not insured. Not only would our citizens live longer but we could also save them too.
Secondly, the cost for healthcare is way too high; it’s astonishingly inflated to say the least. Why is that? Well without the government being able to regulating healthcare, insurance premiums, and hospital fees the people in the insurance companies and hospital can make it cost whatever they like. We live in a country that is driven by capital and while that is good for a lot of things, our health is not one of them. With a National Healthcare in place these costs can all go down. The government would be able to regulate all these things that I previously mentioned and the costs of the expenses would plummet. Now if this government monitoring was in place you could have a piece of mind instead of worrying that you will out of money once you are better.
Lastly, but I would say most importantly is that this system has been established around the world by other fully developed countries. Now why do I say this is most important? Well it would give us somewhere to look to if we ever need help or ran into problems. We need to stop trying to always do things our own way and look to others for help. I know this can be shocking to some, but other countries are better at healthcare than us. When our founding fathers were creating this country they looked to things such as democracy in Greece, and France, the Magna Carta, and the Petition of Rights to form our country, now look where we are today with that. It can be the same way with healthcare all we need to do is start.
A good country to start with would be Japan. Why start there? Well as previously mentioned their life expectancy is five years longer than ours, their system is also fair. The patient is only responsible for 30% of the medical service costs while the government takes care of the other 70%, this will allow people with lower wages the opportunity they need to get services if they need. The fees are set by the government meaning there would be inflation set by insurance companies or hospitals.
Another nice thing offered by the Japanese healthcare is that by law the citizen can choose where he or she wants to go for treatment. This isn’t always the case with National Healthcare but it is for Japan. On trueblog.com it shows how many countries have National Healthcare “Thirty-two of the thirty-three developed nations have universal health care, with the United States being the lone exception.” How many times have you heard about other developed countries having problems with healthcare? There are twenty-two countries that we can look to for help. We could pick the best about each and make our healthcare better just like we did with government. It wasn’t always smooth sailing, but look what can be accomplished.
Some might disagree with National Healthcare, stating things such as too long of wait times for patients. Where someone might go into the emergency room with the common cold making people with more serious injuries or disease have to wait longer. While I can see where they are coming from, isn’t this already the case? People go into emergency rooms all the time for minor things that don’t need to be seen right away or they die.
There are a few ways that I can think of on how we could stop this from happening. One if a non-urgent did come into the E.R a doctor would do a brief diagnose, if the physician felt they were not sick enough to stay there they could transfer them to an adjacent ward that was made for non-urgent. Two, they could charge the patient with a penalty for using it when they didn’t need too. These are coming from a 17 year old senior in High School; if I can think then I know others can think of better ones. Also I don’t think that most people would do something like this. People have common sense, and if they know they won’t die if they have wait 15 extra minutes they won’t go to the E.R.
In conclusion, I believe that our nation would be better off if we went with a National Healthcare system. There are many reasons why I believe this, it can extend our lives and save the lives of those not covered, reduce medical costs by having our government regulate costs, and there are models for this system in countries around the world that we can get help from. Our system hasn’t been working for a long time now, we all know it, and we talk about it all the time. While it may take time to put a National Healthcare system into effect, it will be well worth it. We will be able to save so many people in doing so. Just look at our government, it wasn’t built in one day, but we did, and we can do the same with our health care. While I don’t fully agree with all the terms of Obamacare it is a step in the right direction, now we can’t ignore it anymore. This system is used by 22 other developed countries, it is time that we stop being third world healthcare wise, and join the others.