Individual Savings Account Essay Example | Topics and Well Written Essays - 500 words

Individual Savings Account - Essay Example Good thing about ISA's is that Fred does not have to pay tax on the income earned from the savings fund. Fred Murray can try Barnsley BS. It offers 2.65% rate for savings from 1, 2.85% from 10,000, and 3% from 20,000. There is also the fixed rate ISA from Northern Rock which offers 3.5% interest for a minimum balance of 500. C. It would be better if Henry Murray would buy the three-bedroom terraced house since there is a benefit from it if it were rented for 800 a month. In addition to that, the value of the house may increase in time. Costing 117,000, the house could be paid in a year or two with the income from the students' rent. A buy to let mortgage suitable for him is First Direct. It is a fixed type of mortgage, meaning that monthly repayments will remain constant regardless of the standard variable interest rate. With this, he will know exactly what the repayments are. D. Bill Murray could start paying while he is still studying. He must make sure to save an amount of money every month. This will lower the interest he will have to pay. Getting a job right after school will surely help too. It is advisable to look for a job in a government institution. They could offer assistance with payment of student loans. He could also look for student assistance programs and search for options for payment and find the one most suitable for him. He must ensur

Barriers to Citizenship Research Paper Example | Topics and Well Written Essays - 2000 words

Barriers to Citizenship - Research Paper Example In Canada, the 2009-2010 citizenship tests have been used to evaluate citizens’ movement in various national settings. Such tests can be used as a tool to formulate public policy. In this context, the Canadian citizenship test has become a tool for naturalization as well as inclusion of various races into a singular national identity. In Britain, the naturalization process has been used as a tool to control immigration (Paquet 243). The American Context of Naturalization Process The road to getting American citizenship has largely got evaded from the inspection of legal experts. Scholars and policy makers have not given due attention to it on the cross-roads of two overdue issues of U.S. citizenship: that it has not been tackled efficiently, and that in no circumstance, it has been a smooth process (Spiro 1). The first task has been neglected due to the emerging proofs of a heightened difference between citizenship and alienage. Leaving aside the issue of vote and a reducing c ount of public sector jobs, for decades it has been difficult to differentiate the status of legal citizen aliens in U.S. society. Things changed with the implementation of the 1996 welfare legislation, which decided the criteria for critical federal benefits available on citizenship only. The process of naturalization got a unique revival with the severe amendments in the federal immigration law. The period of mid-1990s observed a record increase in the number of naturalization applications (Spiro 1). Thus, after decades of negligence, the issues pertaining to naturalization and citizenship came to the political limelight. Academics have taken the hint by writing on citizenship issues. The reinforced attention given to citizenship issues lacks the direction for the criteria of naturalization process. The second rough detail of citizenship has acted as a backstop to the revision of the first. Citizenship rank may now be eventful, but if citizenship is easily attained, then the proce ss of acquiring it is of little value. The traditional wisdom greatly rests with the concept that U.S. citizenship is not exclusive, and that the bridge to naturalization is not unattainable. Actually, not going with the traditional wisdom, and adhering to the premise that naturalization needs create barriers for the applicants to naturalization. Being both a historical and current issue, a large number of naturalization applications have been rejected, causing loss of benefits to be accruing from citizenship (Spiro 1). A big rush was seen in citizenship applications in the mid-1990s to verify famous reasons including, such as the outcomes on IRCA law, fear of inability to avail public benefits, and impact of citizenship outreach programs. Applicants seemed very eager to attend English language classes. With the provision of Amnesty under IRCA, it initiated quick rush for citizenship after becoming eligible but it did not materialize in proficiency in the English language or the nat uralization process. The public rush to apply for naturalization was because of not loosing benefits attached to citizenry. Applicants were more interested to apply to ensure their participation in day-to-day American life, to offer sponsorship for the immigration of relatives, and to guarantee a promising career for their children. The leading recognized barrier was total expertise of the English language. The most dependable mean to facilitate naturalization in the 1990s