Alcoholism in 1800 in USA Research Assignment - 1375 Words

Alcoholism in 1800 in USA Research Assignment (Essay Sample) Content: NameInstitutionInstructorCourseDateDrugs and SocietyThe effects of drugs on the society is serious, it not only impacts the users of the drugs but also the families of the people affected. Today, the reports by ONDCP quantified the effects of drugs economically in the United States to be $180.2 billion. The most common effect of drug use too many is poor health, prolonged sickness, and death. In the early days of 1900's through 1920's, the most common form of the drug that was used remained to be alcohol and it accounted for 51% of the total drugs in the country. As always, it destroyed the social structures and created so much burden on the families especially the women. To restore the dignity into the country, the Prohibition Act was introduced and was effected in 1920. The main purpose of having the law was to restore sanity to the country and restore the already broken social structures. However, the law failed to restore the country from the massive usage of alco hol but instead promoted the illegal business in the United States. The effects did not only reach the United States, but it was also felt in the other parts of the world like the neighboring countries.Later in 1930s after the laws failure had been noticed, was the introduction of the Volstead Act which managed to restore the country from the menace of Alcoholism. In this paper, therefore, is the analysis of the diverse effects of 18th constitutional Amendment had in the country and some of the impacts that were created by the introduction of the Volstead Act.Effects of Prohibition Act Then and NowThe prohibition Act was intended to create and restore sanity into the American society but it failed and instead, it brought so many effects that some are even felt in the present day of America as explained blow:Massive corruptionOne of the fundamental effects of the prohibition laws was the massive growth of corruption in the country during those days. Instead of ending the culture of a lcohol drinking, one of the challenges that faced people was the growth of corruption since potential gang groups in the country were engaging in the illegal transportation of the liquor and its sale. They grew to be very rich and they could hire the best lawyers in town making them buy their way out of legal authoritiesCITATION Ksi08 \p 123 \l 1033 (Ksir, Ray and Hart 123).Lack of respect for religionAmong the main forces that advocated for the creation of the prohibition Act was the church, they wanted the society to embrace God and shun from the evil ways which were drinking. Instead of embracing the new paradise, the culture of drinking grew more, making the paradise to be an issue for the few and not the majority of the people. In a way, the law contributed to the disobedience of the people not to recognize the law, but recognize alcohol which was appreciated by many.Growth of Hard DrugsProhibition law led to the creation of the Volstead Act after it failed to contain the coun try. From it, therefore, supply and possession of alcohol were illegal. As a result, therefore, there was massive growth of the hard drug network since the gangs wanted to maintain their status quo in the society. Today, the sale of alcohol and consumption is not as high as it was in 1800 but there is the equal growth of hard drug cartels in the country.Effects of Alcoholics Anonymous MovementThe alcoholics Anonymous abbreviated as the AA is an international and a mutual aid fellowship that was established by Dr. Smith and Bill Wilson in 1935. The main reason for the movements formation was to help alcoholics remain sober. Basically, the movements secret is based on the 12 step program of both spiritual and character development. Since its formation, the effect it created is immense and has been felt from then and today. The main aim of prohibition Act was to take people back to God, however, the creation of AA ensured that more alcoholics were strengthened spiritually, making them appreciate the role of religion in their livesCITATION Die16 \p 89 \l 1033 (Diehl 89). Just like today, the AA helped alcoholics remain sober, with 27% of the individuals taken through the program gaining the required level of sobriety in less than a year. Its presence in the presence day has also remained relevant in helping drug and substance addicts restore themselves from such addictionCITATION Die16 \p 89 \l 1033 (Diehl 89).Effects of Wayne Wheeler and Grassroots MovementsGenerally, Wayne Wheeler and the grassroots movement played a significant role in defining the politics of the day and even today. According to the philosophy spread by Wayne, his primary agenda was to ensure that the prohibition Act works and all the politicians respect the law on prohibition. As a result, therefore, people were being rejected on the basis of support they offered prohibition. An individual who did not offer any support for the prohibition, would, therefore, be leftCITATION Mac161 \p 73 \l 1 033 (MacGirr 73).Today, these are the same philosophies that have been maintained by the conservatives especially by the families with a strong Christian background. It has to be noted that Wheeler was using the churches to have his mission of supporting prohibition and drafting of the Volstead Act. These values have, therefore, lived from one generation to another, exposing people to various values which as well shapes their political affiliation and choices based on the policies of the individual and the party.Effects of the Volstead ActAffected Quantity and Type of Alcohol producedOnce in the history of the country, production, transportation and the sale of illegal alcohol were controlled by the gang groups. These groups remained to be powerful in the face of the ordinary Americans to an extent that their lifestyles were being admired by many, especially the lower level class individuals. However, with the introduction, if the Volstead Act, the terms of production changed and t here came the birth of new dispensation in the United States. The law introduced a new way of production in the country regulating the home production system to 200 gallons with an alcohol percentage of not more than 0.5%. In other words, it advocated for fruit juice production at home and change the production of toxic alcohol allowed by the Prohibition.Created Effect on the Legal system...

Is it a Mistake Not to Hire a Financial Planner

Paying for college has become the number one financial concern among parents of young children. Four years of tuition 18 years from now will likely cost more than your familyï ¿ ½s first home. But figuring out just how much you will need to save can be a challenge. Your childï ¿ ½s total college costs will depend on a variety of factors, including their age, type of school, location, whether or not they will live on campus and if scholarships are in their future. When it comes to planning, some families prefer to endure the journey alone, but others are willing to pay for professional guidance. DIY college planning may work for some, but hereï ¿ ½s what you might be missing out on: 1. Access to more investment products If your child is young, or perhaps not even born yet, an easy way to start preparing for their college education is to open a 529 plan. You can enroll in some 529 plans directly but others can only be purchased from a financial advisor. Although your advisor may earn a commission by selling you a certain plan, he could also recommend that you open a direct-sold plan if he thinks itï ¿ ½s a better fit. According to this yearï ¿ ½s College Savings Survey, only 28 percent of parents who currently save in a 529 plan said they used a financial advisor to shop for one. The top three reasons for not working with an advisor were that they were comfortable researching and understanding investment options on their own, they didnï ¿ ½t want to pay commissions and they were concerned about hidden fees or costs. What is a 529 plan? 2. Help with selecting a savings vehicle Almost every state offers a 529 plan and there are hundreds of different investment options to choose from. A financial planner who is familiar with college savings plans and the investment managers who run them will be able to help narrow down your choices. If youï ¿ ½re already working with an advisor who knows your investment goals and risk appetite youï ¿ ½ll get an even more personalized recommendation. Even if youï ¿ ½re working with a fee-based independent advisor he or she can still help recommend an appropriate direct-sold plan. 3. Evaluating the schoolï ¿ ½s expected ROI Most families are comfortable with the idea of supplementing their college savings with some student loans, but no one wants their children to be crippled with excessive debt. A financial planner can help you evaluate your childï ¿ ½s choice of school and the expected return on investment to ensure that theyï ¿ ½ll be able to afford the future loan repayments. This includes researching tuition costs as well as expected starting salaries for the studentï ¿ ½s desired field of study. Youï ¿ ½re saying my financial advisor can help me plan for college? 4. Finding scholarships and grants According to Sallie Maeï ¿ ½s How America Pays for College 2014 report, undergraduate students paid for 31 percent of their total college costs with grants and scholarships. Whatï ¿ ½s more, 38 percent of students from households with incomes over $100,000 received scholarships. So even if you are a high earning family, thereï ¿ ½s a good chance you will be able to get some sort of scholarship. Todayï ¿ ½s financial planners play a large role in helping families uncover opportunities to cut down tuition costs. 5. Maximizing financial aid eligibility According to the 2011-2012 National Postsecondary Student Aid Study (NPSAS), around 2 million students missed out on receiving a Federal Pell Grant simply because they failed to complete a FAFSA. Thatï ¿ ½s right, these families gave up a chance to receive money for college that they wouldnï ¿ ½t have had to pay back! The FAFSA is a highly complex form. So much so that the President is taking major steps to simplify the financial aid process. Remember that federal financial aid is first come first serve, and if you make a mistake on your FAFSA youï ¿ ½ll have to make a correction and re-submit. For families who donï ¿ ½t feel comfortable filling out this complicated form alone, who better to ask for help than their financial planner, who already has a complete picture of their household finances? 6. Aligning your investments Do you currently work with a financial planner to manage your retirement account and other investments? If so, it might make sense to involve them in your college planning process as well. You may even qualify for a discounted sales charge if your investments within the same fund family reach certain breakpoints. For example, this could happen if you have an IRA, a brokerage account and a 529 plan all in the same fund family purchased through the same financial advisor. 4 reasons to buy a 529 plan through a financial advisor Paying for college has become the number one financial concern among parents of young children. Four years of tuition 18 years from now will likely cost more than your familyï ¿ ½s first home. But figuring out just how much you will need to save can be a challenge. Your childï ¿ ½s total college costs will depend on a variety of factors, including their age, type of school, location, whether or not they will live on campus and if scholarships are in their future. When it comes to planning, some families prefer to endure the journey alone, but others are willing to pay for professional guidance. DIY college planning may work for some, but hereï ¿ ½s what you might be missing out on: 1. Access to more investment products If your child is young, or perhaps not even born yet, an easy way to start preparing for their college education is to open a 529 plan. You can enroll in some 529 plans directly but others can only be purchased from a financial advisor. Although your advisor may earn a commission by selling you a certain plan, he could also recommend that you open a direct-sold plan if he thinks itï ¿ ½s a better fit. According to this yearï ¿ ½s College Savings Survey, only 28 percent of parents who currently save in a 529 plan said they used a financial advisor to shop for one. The top three reasons for not working with an advisor were that they were comfortable researching and understanding investment options on their own, they didnï ¿ ½t want to pay commissions and they were concerned about hidden fees or costs. What is a 529 plan? 2. Help with selecting a savings vehicle Almost every state offers a 529 plan and there are hundreds of different investment options to choose from. A financial planner who is familiar with college savings plans and the investment managers who run them will be able to help narrow down your choices. If youï ¿ ½re already working with an advisor who knows your investment goals and risk appetite youï ¿ ½ll get an even more personalized recommendation. Even if youï ¿ ½re working with a fee-based independent advisor he or she can still help recommend an appropriate direct-sold plan. 3. Evaluating the schoolï ¿ ½s expected ROI Most families are comfortable with the idea of supplementing their college savings with some student loans, but no one wants their children to be crippled with excessive debt. A financial planner can help you evaluate your childï ¿ ½s choice of school and the expected return on investment to ensure that theyï ¿ ½ll be able to afford the future loan repayments. This includes researching tuition costs as well as expected starting salaries for the studentï ¿ ½s desired field of study. Youï ¿ ½re saying my financial advisor can help me plan for college? 4. Finding scholarships and grants According to Sallie Maeï ¿ ½s How America Pays for College 2014 report, undergraduate students paid for 31 percent of their total college costs with grants and scholarships. Whatï ¿ ½s more, 38 percent of students from households with incomes over $100,000 received scholarships. So even if you are a high earning family, thereï ¿ ½s a good chance you will be able to get some sort of scholarship. Todayï ¿ ½s financial planners play a large role in helping families uncover opportunities to cut down tuition costs. 5. Maximizing financial aid eligibility According to the 2011-2012 National Postsecondary Student Aid Study (NPSAS), around 2 million students missed out on receiving a Federal Pell Grant simply because they failed to complete a FAFSA. Thatï ¿ ½s right, these families gave up a chance to receive money for college that they wouldnï ¿ ½t have had to pay back! The FAFSA is a highly complex form. So much so that the President is taking major steps to simplify the financial aid process. Remember that federal financial aid is first come first serve, and if you make a mistake on your FAFSA youï ¿ ½ll have to make a correction and re-submit. For families who donï ¿ ½t feel comfortable filling out this complicated form alone, who better to ask for help than their financial planner, who already has a complete picture of their household finances? 6. Aligning your investments Do you currently work with a financial planner to manage your retirement account and other investments? If so, it might make sense to involve them in your college planning process as well. You may even qualify for a discounted sales charge if your investments within the same fund family reach certain breakpoints. For example, this could happen if you have an IRA, a brokerage account and a 529 plan all in the same fund family purchased through the same financial advisor. 4 reasons to buy a 529 plan through a financial advisor