Elements of Evaluation Assignment Example | Topics and Well Written Essays - 250 words

Elements of Evaluation - Assignment Example They are reach, adoption, efficacy, maintenance and adoption. Reach is used to measure the depth in which the intervention is exposed to a specific group of people or a community (McKenzie, Neiger & Thackeray, 2012). Adoption is an analysis of the effectiveness of the way in which intervention strategies have been implemented in a certain community setting. The creation of an intervention program should be based on its ability to be adopted to solve a specific problem (McKenzie, Neiger & Thackeray, 2012). The efficacy of an intervention refers to its ability to address the health problem described. An intervention program should also be maintained. Maintenance of an intervention reflects heavily on the evaluation results of the intervention which reflects the durability of an intervention and its ability to maintained and remain relevance in addressing the health problem stated (McKenzie, Neiger & Thackeray, 2012). After obtaining of the results an intervention can be moved forward by using validity, reliability and sensitivity to change. Validity increases the durability of intervention and helps it maintain relevance in addressing the stated health problem (McKenzie, Neiger & Thackeray, 2012). Reliability is the ability to increase the level at which a health issue is dependable on an intervention program to be solved. Additionally, an intervention can be enhanced by increasing its adaptability feature which increases its sensitivity to adapt to incorporate changes (McKenzie, Neiger & Thackeray,

Raising the Minimum Drinking Age to 21

Raising the Minimum Drinking Age to 21 Alcohol is drinks such as beer and wine. It contains a substance that causes to loss of consciousness, which affect the thinking person. Drinking alcohol is one of the biggest problems facing the Australian community. The proportion of people at risk as a result of excessive drinking of alcohol 3200 people die and almost 81000 people admitted to hospital every year. The government is trying to reduce the risks that affect their health and their social situation because of it is impact on the public and especially minors. As a result, the government cares about its population and especially minors and believe that drinking alcohol has many threats to minors could lead to several problems and risks to lead of loss their lives and also because of its negative impact on health, mind and behaviour of minors. So, the government is trying to raise the drinking age to 21. This essay will discuss the positives and negatives for raising drinking age to 21. There are several positives for raising drinking age to 21. Firstly, alcohol adversely affect their health. For example, alcohol is containing ethyl alcohol is the substance adversely affect the mind that affect thinking, mood, and emotion of the person. In addition, The mind of the person grows and develops from the age of 15 to 24. So, alcohol has a toxic effect on the brain of a minor. Secondly, reduce the fatality rate. For instance, Increase dose of drinking alcohol may cause death because their bodies and small brains do not bear it. Statistics show that half of the males and females aged 14 to 24 die each year from drinking alcohol. Moreover, many fatal accidents; such as traffic accidents while crossing the road as well as car accidents due to loss of concentration and awareness that caused by drinking alcohol. Also, may negatively affect a person life which may lead increased incidence of suicidal in minors. Thirdly, lift the legal drinking age to 21 has positive affects to their behaviour. An example of the affect a person life to increase in violence. The Government believes that raising the age of drinking to 21 is the best ways to address the problem of violence caused by drinking alcohol. Furthermore,   for drinking alcohol affects the behaviour of the minors, such as aggression, anger and depression that caused by family problems and social. In fact, drinking alcohol negatively affects the lives of those people who under the legal age. Raising drinking age to 21 has several negatives. First of all, raising the drinking age to the age of 21 deprives them of their rights as adults.   some people believe the person who at 20 becoming an adult is entitled to vote, and live in private home away from their parents, and enter the military. For example, in the war withVietnamhas been reduced drinking to the age of 18 due to the death of many young people in the war to protect their country. So, they are considered adults and they can rely on themselves. In addition,   raising the drinking age to 21 to prevent them from enjoying life and doing as adults. Many countries have the legal drinking age of 18 as well. Secondly, raising the legal age of drinking does not prevent a minor from drinking. For instance, a minor can find someone for brings the alcohol for him, many under the age of 17 drinking alcohol; even though, they are prevented from drinking. Also, raising the legal age of drinking that prevents them from drink ing alcohol and can lead to minor went to the steals alcohol. In addition, raising the legal drinking age does not solve the problems resulting from underage drinking. For example, theUnited Statesthe legal age for drinking alcohol have the age of 21 but they have the same problems of countries with legal drinking age of 18. Indeed, raising the legal drinking age will creates many social problems instead solve the problems. Raise the legal drinking age to 21 would not solve the problem of violence, suicide, car accidents and other problems. For example, can reduce loss of life and the risks resulting from drinking alcohol.   placing limit for amount of drinking alcohol instead of changing the law at the age of drinking alcohol. Additionally, minors can   learn how to drink alcohol responsibly and in an attempt to prevent addiction to alcohol instead of raising the legal drinking age to 21.

Pez :: essays research papers

Pez was invented in 1927 in Vienna, Austria by an already accomplished candyman named Edward Haas III. The word "Pez" comes from the German word for peppermint, which is phefferminz. You take the first, middle, and last letters, put them together and you get Pez. When Edward Haas first invented Pez it was originally a breath mint for adult smokers, thus the first dispenser which came along in 1947, naturally, looked like a cigarette lighter. In 1952 Edward Haas brought his business to America and did extensive research with his products and the way children had grown attached to them. So in 1952 the first fruit flavored Pez was introduced along with the first Pez dispensers with character heads on them. The first flavors of Pez included cherry, lemon, orange and strawberry. These were the flavors that Edward thought the children would like the most. DispensersIn 1947 when the first Pez dispenser was invented it looked like a cigarette lighter and the "characters" that we know Pez by were not introduced until 1952. It is not certain, but some experts think that Mickey Mouse, and several other Disney characters were the first to appear on the top of dispensers. The top selling dispensers of all times are Mickey Mouse, Santa, and Dino the dinosaur from the Flinstones. Since the beginning of dispensers, over 275 different characters have been featured on top of a dispenser. Before 1987 dispensers did not have "feet". Feet are the two tabs on the bottom of the dispenser that help it stand up straight. The new Pez "regulars" are a remake of the first dispenser that looked like the cigarette lighter. The new regulars have no feet. Pez dispensers are made in and imported from Austria, Czech Republic, China, Hungry, Hong Kong, Yugoslavia, and Slovenia. The dispensers are sold at local Toys R Us, K-mart, Walmart, Wallgreens, Target, Eckard Drug, Family Dollar, Dollar Tree, and many other stores. Some dispensers like Bubble Man are only available through Special order direct from the Pez Candy Co. The most money ever paid for a single Pez dispenser was $3,600 brought at auction for a Big Top Elephant dispenser. Dispenser TagsThere are two different types of tags on Pez dispensers. The first type is the patent number. Pez first applied for a patent in 1968, and received the number 2.620.061. The patent number is located on the bottom left side of the dispenser.

An Efficient Bio-key Management Scheme for Telemedicine Applications

An Efficient Bio-key Management strategy for Telemedicine Applications Abstraction: Checkup detector webs play a critical function for real-time wellness attention monitoring of telemedicine based applications. Telemedicine provide specialized health care audience to patients in distant locations. We use electronic information and communicating engineerings to supply and back up health care when the distance separate the participants. In order to guarantee the privateness and security of patient’s critical wellness information, it is indispensable to supply efficient cryptanalysis strategy. This paper presents a fresh Mamdani based Bio-Key Management ( MBKM ) technique, which assures existent clip wellness attention supervising with out any overhead. We present the simulation consequences to demo that the proposed MBKM strategy can accomplish greater security in footings of public presentation prosodies such as False Match Rate ( FMR ) , False Non Match Rate ( FNMR ) , and Genuine Acceptance Rate ( GAR ) than other recent bing attacks. Keywords:Healthcare, security, Medical detector webs, Key Management 1. Introduction Progresss in communicating engineerings, such as wearable and implantable biosensors, along with recent developments in the embedded computer science country are enabling the design, development, and execution of medical detector webs. This category of webs is paving the manner for the deployment of advanced health care monitoring applications. In the past few old ages, much of the research in the country of medical detector webs has focused on issues related to medical detector designs, detector miniaturisation, low-power detector circuitry, signal processing, and communications protocols. In this paper, we present a novel Mamdani based Bio-Key Management ( MBKM ) , which assures existent clip wellness attention supervising with less operating expense for telemedicine applications. Telemedicine means the distant medical expertness at the point of demand or medicate at distance. Telemedicine engineering is chiefly required for the people populating in rural countries, aged people and handicapped people [ 1 ] . We highlight some of the design challenges and unfastened issues that still need to be addressed to do medical detector webs genuinely everyplace. The development of telemedicine based health care applications presents assorted fresh challenges like dependable existent clip informations transportation, seasonableness, Energy and Power direction for a broad scope of applications [ 2 ] . Further using new engineerings in telemedicine applications without sing security facets like privateness, hallmark, confidentiality and unity as susceptible [ 3 ] . For illustration, the patient’s wellness information is delicate and escape of single patient’s personal informations could do him uncomfortable. Furthermore sometimes exposing wellness information may ensue in a individual losing his occupation or do it infeasible to obtain insurance protection [ 4 ] . Fig.1 explains the hazards to patient security in Body Area Network ( BAN ) . Here assorted detectors are implanted in the human organic structure to mensurate the critical marks like ECG, EEG, EMG, Blood force per unit area, glucose degree, etc. , can be connected to other detectors or to the control nodes. Further detectors transmit the patient information to a medical expertness utilizing wired or wireless engineering. Now the interloper may spy the patient informations and he can change or may post the information in societal sites, which pose hazards to patient’s security. Fig.1 Risks to patient security More significantly, Healthcare supplier must follow HIPAA ( Health Insurance Portability and Accountability Act ) regulations. Otherwise supplier is subjected to punishment [ 5 ] .So a patient security is a most of import anxiousness in telemedicine based health care applications. 2. Related Plants With the betterment of progress engineering invasive computer science is observed as cardinal engineering to help streaming medical informations communicating for telemedicine based applications with the aid of deploying detectors [ 6, 7 ] .Several solutions for medical information security have been proposed to protect the Body country web security. ECC ( Elliptic curve cryptanalysis ) , hardware encoding, TinySec and biometric methods are sorts of solutions discussed in [ 8 ] . Link layer encoding is achieved in the organic structure country web by TinySec attack [ 9 ] . If one medical detector releases the key or it acts as an aggressor, all the information in the Body country web will be released. Elliptic curve cryptanalysis ( ECC ) has been used in the radio detector webs [ 10, 11 ] . This public cardinal cryptographic technique requires more energy compared to symmetric cardinal cryptanalytic techniques. Biometricss obtained from the human organic structure to procure the key is proposed in [ 12 ] . Compared with cryptanalytic techniques, this technique cut down calculation and communicating cost. Electro cardio gm ( ECG ) and Photo plethysmogram ( PPG ) signals are used as first-class biometric characteristics to procure the informations in organic structure country web [ 13, 14 ] . The fuzzed vault strategy has been preponderantly used for biometric hallmark, such as fingerprints and iris image acknowledgment [ 15–17 ] . Fuzzy vault strategy play a major function to work out the job of security in telemedicine based applications. Fuzzy vault strategy is used in Phsiological Signal based Key Agreement ( PSKA ) to set up secured pairwise cardinal understanding between the nodes in Body country webs [ 18 ] , which solves chiefly the synchronism job and issues in characteristic reordering [ 19 ] . Biometric Encryption strategy is a cryptanalysis strategy which is used to keep the security of biometries and bring forth a strong key from biometries [ 20 ] . In this strategy, the husk points are non necessary to be added to convey, so the hold clip and energy ingestion is reduced. In [ 21 ] , the writer proposes new thought for message and user hallmark. This strategy compares present ECG signal with the antecedently recorded ECG templet to verify the individuality. Since the templet is inactive, this method provides hapless public presentation. The writers of the paper [ 22 ] propose ECG-IJS strategy to better hallmark of streaming medical information. The writer used characteristics of ECG signal to identify coevals for unafraid real-time medical informations communicating. 3. System Design Mamdani based Bio-key Management ( MBKM ) strategy is proposed based on the earlier treatment on ECG-IJS strategy. MBKM strategy is introduced to guarantee the security for streaming medical informations communicating in Telemedicine based applications. The proposed MBKM strategy is shown in Fig. 2. Fig. 2 MBKM strategy A novel proposed MBKM strategy is shown in Fig. 2 which uses organic structure country webs to give qui vive to the infirmary, even before the patient have critical jobs like bosom onslaught, glucose degree through mensurating alterations in their important marks as temperature of the patient, pulse rate, glucose degree, blood force per unit area and respiratory rate. Detectors, which are implanted in the patient’s organic structure step the degree of important marks and convey the parametric quantity values to medical expert working in the intensive bearer unit of the infirmary to take necessary actions to salvage the life of a patient. Intensive attention units are equipped with multi-modal proctors which are able to simultaneously step and expose the wellness position of the patient. In such instance, this important real-time medical information must be good sheltered against aggressors and security facets must be satisfied [ 23 ] . Health attention units with hapless security execution processs for telemedicine may take to incorrect diagnosing and intervention for the patient. The process at the transmitter side is given as follows: Electrocardiogram detector is used to detect the ECG signal from the human organic structure. Nyquist theorem at the rate of 120 Hz is applied on the ECG signal to take samples. 512 points Fast Fourier transform ( FFT ) is conducted on the sampled ECG informations. Since FFT procedure is symmetric foremost 256 coefficients are retained among 512 coefficients. All the extremum values on the extracted FFT coefficients are used as characteristics. A multinomial equation with degree N is constructed and the cardinal K is generated. Patient’s information is encrypted with the generated key K and hash value based on SHA-1 algorithm is calculated. Then sender sends the envelope contains the encrypted message, subset of coefficients and hash value to the receiving system. The process at the receiver side is described as follows: Similar to the transmitter, receiving system besides repeats the process to detect the ECG signal, try the signal and pull out the first 256 Feature coefficients. Then a new multinomial with degree M is constructed utilizing the standard coefficients and the multinomial on all points in characteristics to acquire a set of braces. Key at the receiving system K’ is reconstructed from received coefficients and the new hash value is calculated. Key K and hash value is compared with reconstructed cardinal K’ and new hash value. If the keys are same, so decrypted information is authenticated informations. Mamdani based Fuzzy illation system is playing a major function to guarantee security in telemedicine applications. Stairss for the design of fuzzed illation system are explained in the instance of multinomial grade 10 as follows: 1 ) Input signal variables are identified as I1, I2and end product variable is identified as Y. 2 ) Universe of discourse for the input variables are defined in the scope [ -0.01, -1e-16] and end product variable is defined in the scope [ 0,1 ] . 3 ) Linguistic label assigned for the interval spanned by each input variables in to a figure of fuzzed subsets are taken as S1, S2, S3, S4, S5,Second6, S7, S8, S9, S10. Linguistic label assigned for the interval spanned by each end product variables in to a figure of fuzzed subsets are taken as Yttrium1, Y2, Y3, Y4, Y5Yttrium6, Y7, Y8, Y9, Y104 ) Triangular rank map is assigned for each fuzzy subset. 5 ) Rule-base is formed by delegating the fuzzy relationship between inputs fuzzed subsets on the one manus and end products fuzzy subset on the other manus. If I1is S1and I2is S1so Y is Y1.If I1is S1and I2is S2so Y is Y2.If I1is S1and I2is S3so Y is Y3.If I1is S1and I2is S4so Y is Y4.If I1is S1and I2is S5so Y is Y5.If I1is S1and I2is S6so Y is Y6.If I1is S1and I2is S7so Y is Y7.If I1is S1and I2is S8so Y is Y8.If I1is S1and I2is S9so Y is Y9.If I1is S1and I2is S10so Y is Y10.In similar manner, wholly the 100 combinations of regulations are formed. 6 ) Fuzzy end products recommended by each regulation are aggregated. 7 ) Crisp end product is obtained by using one of the defuzzification technique called Centroid of country ( COA ) . Then utilizing this end product, parametric quantities like False Match Rate, False Non Match Rate and Genuine Acceptance Rate are calculated. 4. Simulation Consequences We validate the MBKM strategy by mensurating the parametric quantities like False Match Rate ( FMR ) , False Non Match Rate ( FNMR ) and Genuine Acceptance Rate ( GAR ) and Half Total Error Rate ( HTER ) . For this strategy, we downloaded 10 patient’s ECG signal for 10 seconds from MIT-BIH Arrhythmia database. We used MATLAB package tool to imitate the proposed MBKM strategy. ECG signals are used for coevals of cardinal and medical information like EEG, EMG, blood glucose degree, blood force per unit area degree etc. , can be send to medical expertness in existent clip for telemedicine based applications. The public presentation of FMR versus figure of patients is given inFig. 3. FMR value represents the chance that the system falsely matches the input form to a non-matching templet in the database. It measures the per centum of invalid inputs which are falsely accepted. So FMR value must be low for the stable system. This secret plan proves that False Match Rate is lower in the proposed MBKM strategy when compared to ECG-IJS strategy. Fig. 3 FMR versus Number of patients The public presentation of FNMR versus figure of patients is shown inFig. 4. FNMR value represents the chance that the system fails to observe a lucifer between the input form and a duplicate templet in the database. It measures the per centum of valid inputs which are falsely rejected.Stable system should give lower FNMR. This secret plan proves that False Non Match Rate is lower in the proposed MBKM strategy when compared to bing ECG-IJS strategy. Fig. 4 FNMR versus Number of patients The public presentation of GAR versus figure of patients is present inFig. 5.GAR value represents the fraction of hallmark efforts by echt users that are accepted. Stable system should give higher GAR. This secret plan proves that Genuine Acceptance Rate is higher in the proposed MBKM strategy when compared to the bing ECG-IJS strategy. Fig. 5 GAR versus Number of patients The public presentation of HTER versus figure of patients is present inFig. 6.HTER value represents the norm of False Match Rate and False Non Match Rate. Stable system should give low HTER. This secret plan proves that HTER is lower in the proposed MBKM strategy when compared to the bing ECG-IJS strategy. Fig. 6 HTER versus Number of patients 5. Decision Secure communicating is robustly required to continue a patient’s wellness privateness and safety in telemedicine based applications. In this paper, we present an efficient Mamdani based Bio-Key Management ( MBKM ) strategy for cardinal direction based security strategy in telemedicine based applications. This strategy makes the system stable system by supplying low FNMR, High GAR, low FMR and low HTER. This new strategy is less complex and is offers the security in footings of hallmark, informations confidentiality, informations unity. It remains future work to make energy analysis and implement nervous web attack to procure medical informations communicating for telemedicine applications. Mentions: [ 1 ] Yasumitsu Tomaika, Isao Nakajima, Hiroshi Juzoji, Toshihikonkitano, Patent Issues on Telemedicine in eHealth, IEEE International conference on e-Health Networking, Applications and Service,187-193,2008. Pardeep kumar and Hoon Jay-Lee, Security Issues in Healthcare Applications Using Wireless Medical Sensor Networks: A Survey, Sensors,55-91,2012 [ 3 ] Dimitriou, T. , ,Loannis, K. , Security Issues in Biomedical Wireless Sensor Networks. In Proceedings of 1st International Symposium on Applied Sciences on Biomedical and Communication Technologies ( ISABEL’08 ) , Aalborg, Denmark, 25–28 October 2008. [ 4 ] Meingast.M, Roosta.T. , Sastry.S, Security and Privacy Issues with Healthcare Information Technology. In Proceedings of the 28th IEEE EMBS Annual International Conference, New York, NY, USA,5453-5458, 31 August–3 September 2006. . [ 5 ] Office for Civil Rights, United State Department of Health and Human Services. Medical Privacy. National Standards of Protect the Privacy of Personal-Health-Information. Available online: hypertext transfer protocol: //www.hhs.gov/ocr/privacy/hipaa/administrative/privacyrule/index.html. [ 6 ] J. Woods, â€Å"The five manners of centripetal applications, † Gartner Research, 2006. [ 7 ] M. M. M. B. Amer and M. I. M. Izraiq, â€Å"System with intelligent cable-less transducers for monitoring and analysing biosignals, † European Patent Application, 2007. [ 8 ] M. Mana, M. Feham, and B. A. Bensaber, â€Å"Trust cardinal direction strategy for radio organic structure country webs, † International Journal of Network Security, vol. 12, no. 2, pp. 61–69, 2011. [ 9 ] C. Karlof, N. Sastry, and D. Wagner, â€Å"TinySec: a nexus bed security architecture for radio detector webs, † in Proceedings of the 2nd International Conference on Embedded Networked Sensor Systems, ( SenSys ’04 ) , pp. 162–175, Baltimore, Md, USA, November 2004. [ 10 ] M. Guennoun, M. Zandi, and K. El-Khatib, â€Å"On the usage of biometries to procure radio biosensor webs, † inProceedings of the 3rd International Conference on Informationand Communication Technologies: FromTheory to Applications, ( ICTTA ’08 ), pp. 1–5, Damascus, Syria, April 2008. [ 11 ] P. Szczechowiak, L. B. Oliveira, M. Scott, M. Collier, and R. Dahab, â€Å"NanoECC: proving the bounds of elliptic curve cryptanalysis in detector webs, † inProceedings of the 5ThursdayEuropean Conference onWireless Sensor Networks, pp. 305–320, Bologna, Italy, February 2008. [ 12 ] S. Cherukuri, K. K. Venkatasubramanian, and S. K. S. Gupta, â€Å"BioSec: a biometric based attack for procuring communicating in wireless webs of biosensors implanted in the human organic structure, † inProceedings of the International Conferenceon Parallel Processing Workshops, pp. 432–439, Kaohsiung, Taiwan, October 2003. [ 13 ] C. C. Y. Poon, Y.-T. Zhang, and S.-D. Bao, â€Å"A novel biometries method to procure radio organic structure country detector webs for telemedicine and m-health, † IEEE Communications Magazine, vol. 44, no. 4, pp. 73–81, 2006. [ 14 ] S. D. Bao, C. C. Y. Poon, L. F. Shen, and Y. T. Zhang, â€Å"Using the timing information of pulse as an entity identifier to procure organic structure detector web, † IEEE Transactions on Information Technology in Biomedicine, vol. 12, no. 6, pp.772–779, 2008. [ 15 ] U. Uludag, S. Pankanti, and A. K. Jain, â€Å"Fuzzy vault for fingerprints, † in Proceedings of the Audio- and Video-Based Biometric Person Authentication ( AVBPA ’05 ) , vol. 3546, pp. 310–319, Hilton Rye Town, NY, USA, July 2005. [ 16 ] E. S. Reddy and I. R. Babu, â€Å"Authentication utilizing fuzzed vault based on iris textures, † inProceedings of the 2nd Asia International Conference on Modelling and Simulation, ( AMS ’08 ), pp. 361–368, Kuala Lumpur, Malaysia, May 2008. [ 17 ] A. Juels and M. Sudan, â€Å"A fuzzy vault strategy, † inProceedings of the International Symposium on Information Theory, vol. 38, pp. 237–257, Seattle, Wash, USA, July 2006. [ 18 ] K. K. Venkatasubramanian, A. Banerjee, and S. K. S. Gupta, â€Å"PSKA: useable and unafraid cardinal understanding strategy for organic structure country webs, †IEEE Transactions on Information Technology in Biomedicine, vol. 14, no. 1, pp. 60–68, 2010. [ 19 ] F. M. Bui and D. Hatzinakos, â€Å"Biometric methods for secure communications in organic structure sensor webs: resource-efficient cardinal direction and signal-level informations scrambling, †EURASIPJournal on Advances in Signal Processing, vol. 2008, Article ID 529879, 16 pages, 2008. [ 20 ] A. K. Jain, K. Nandakumar, and A. Nagar, â€Å"Biometric templet security, †EURASIP Journal on Advances in Signal Processing, vol. 2008, Article ID 579416, 17 pages, 2008. 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Long-Term Planning

â€Å"Pay yourself first† is a standard commitment device used by financial planners seeking to encourage disciplined saving and budgeting; it is also the principle underlying US payroll-deduction 401(k) plans. These plans are one of the most successful commitment devices in current use, and they are formulated such that contributions are automatically deducted from workers' pay before the money can be spent. As such, saving in 401(k)-type plans would be best for my personal situation, as participation rates in 401(k)-type plans, where payroll deduction is the norm, are at least four times as high as for Individual Retirement Accounts (IRAs) (Mitchell and Utkus, 2004), where structured payroll deductions are uncommon. Additionally, I am given the liberty to exert some control over how my money is invested (subject to some constraints), and receive the risk and reward for those investments. Since my tax rate when I retire would be presumably higher than my tax rate before retirement, I would likewise be better off with a Roth IRA than a traditional IRA because I won’t have to pay tax on my withdrawals at the higher rates. I can withdraw the money I contributed to a Roth IRA penalty-free anytime, since I already paid tax on it so the government would not care. Since I would not probably need my money I invested in Roth IRA for at least five years from now, my money will be tax-free on withdrawal. The catch is that I cannot know for sure what my tax rate would be when I retire, but I can find several online calculators that will help me compare results with a Roth IRA versus traditional IRA. Further, the new Roth IRA provisions apply even if I am covered under my employer’s retirement program. Lastly, the SEP proves to be a promising retirement plan based on my personal situation. Although the SEP is an employer-provided retirement plan, record-keeping and tax reporting are simplified, a plus factor for me. The higher limit in a SEP makes this plan as attractive as the profit-sharing plan, but easier and less costly to administer, which are two of my foremost criteria when choosing a fitting retirement plan for myself. WORK CITED Mitchell, O. & Utkus, S. (Eds.). (2004). Pension Design and Structure: New Lessons from Behavioral Finance. Oxford, England