Pension Plans in the United States After Retirement

Annuity Plans in the United States After Retirement Annuity plans are one of the key strategies to effectively putting something aside for retirement in the United States, and however the administration doesn't expect organizations to give such designs to its representatives, it offers liberal tax cuts to organizations that set up and add to benefits for their workers. Lately, characterized commitment plans and Individual Retirement Accounts (IRAs) have become the standard as far as independent companies, independently employed people, and independent specialists. These month to month set sums, which might possibly be coordinated by the business, are self-guided by the representatives in their own investment accounts. The essential technique for directing annuity plans in the United States, however, originates from its Social Security program, which benefits any individual who resigns after the age of 65, contingent upon the amount one contributes through an amazing span. Government organizations guarantee that these advantages are met by each business in the U.S. Are Businesses Required to Offer Pension Plans? There are no laws that expect organizations to offer their representatives annuity plans, be that as it may, annuities are controlled by a few administering offices in the United States, which to a great extent characterizes what benefits bigger organizations must offer their workers - like social insurance inclusion. The ​Department of Stateâ website subtleties that the national governments charge assortment organization, the Internal Revenue Service, sets most standards overseeing annuity plans, and a Labor Department office directs plans to forestall manhandles. Another government organization, the Pension Benefit Guaranty Corporation, guarantees retiree benefits under customary private annuities; a progression of laws sanctioned during the 1980s and 1990s supported premium installments for this protection and solidified prerequisites considering managers liable for keeping their arrangements monetarily sound. All things considered, the Social Security program is the best manner by which the United States government expects organizations to offer their representatives long haul annuities choices - a simply prize for working a full profession before retirement. Government Employee Benefits: Social Security Representatives of theâ federal government-includingâ membersâ of the military and common assistance just as disabledâ warâ veterans-are offered a few sorts of benefits plans, yet the most significant government-run program is Social Security, which is accessible after an individual resigns at or over the age of 65. In spite of the fact that run by the Social Security Administration, the assets for this program originate from finance charges paid by the two workers and managers. As of late, notwithstanding, it has gone under investigation as the advantages got upon retirementâ only spread a segment of the salary needs of its beneficiary. Particularly on account of the retirement of a large number of the post-warâ baby-blast age right off the bat in the 21st century, legislators dreaded the administration wouldnt have the option to pay every one of its commitments without expanding charges or diminishing advantages for retirees. Overseeing Defined Contribution Plans and IRAs Lately, numerous organizations have exchanged over to what in particular is known as characterized commitment plans wherein the worker is given a set sum as a component of their compensation and is therefore entrusted with dealing with their very own retirement account. In this kind of annuity plan, the organization isn't required to add to the investment funds store of its representative, however many decide to do so dependent on the consequence of the workers contract arrangement. Regardless, the worker is liable for dealing with their pay assignment proposed for retirement reserve funds. In spite of the fact that it isn't hard to set up a retirement support with a bank in an Individual Retirement Account (IRA), it tends to be overwhelming for independently employed and independent laborers to really deal with their speculations into an investment account. Sadly, the measure of cash these people have accessible at retirement completely relies upon how they contribute their own income.

How can people be achieved between cultures Research Paper

By what means can individuals be accomplished between societies - Research Paper Example John Stuart plant and John Locke supported for maintaining human rights sooner than different researchers. By the by, this doesn't really imply that they were the one answerable in the definition of human rights. The all inclusiveness of human rights cuts across different societies. Despite the fact that valuation for the rights happened in the Western world and as portrayed in both the American and French upheaval, the verifiable advancement of human rights is a lot more seasoned (Marek, 2010). While trying to comprehend the current worldwide social governmental issues, present day researchers draw understanding from advancement. This view holds that innovation started from the West in a Judaeo Christian setting. The interrelation between monetary, logical, philosophical and imaginative upheavals prompted a comprehension of novel ways about individuals, nature and political force. These contemplations didn't prompt globalization, however through military aptitude and financial government the Europeans added to innovation (Reus-Smit, 2011). There are numerous conclusions on what establishes human rights, the recognitions vary from a scholarly or political perspective. Moreover, the distinctions appear to begin from the authentic development of human rights. Human rights start from individuals with various foundations. Another view holds that human rights can be partitioned into; regardless of whether dependent on an individual’s status or status of gathering, how much individuals are dealt with relying upon progress or affirmation, the significance of rights, commitment and musings on the interdependency between the two or the accentuation on monetary and social rights versus common and political rights (Plantilla and Raj, 1997). The aftereffect of the virus war introduced a period with numerous vulnerabilities. There was a conclusion to the super force hatred and the North-South gap. In any case, this period agreed with numerous world issues including joblessness, neediness,

A&P Topic Essay Example | Topics and Well Written Essays - 500 words

A&P Topic - Essay Example The utilization of an incredibly low temperature stops each and every biochemical procedure inside the cells including apoptosis and cell passing methodology, in this way the cells can be put away in a stale state for extensive stretches of time till they are defrosted for use. The temperature should be as low as - 196˚C and the medium utilized currently is fluid nitrogen. Be that as it may, cryoprotective operators like DMSO and glycerol are utilized currently to forestall intracellular freezing. Cells like microbial cells (protozoa, parasites spores and so forth), creature cells (oocyte, sperm, undeveloped organism and so forth) and infections have been effectively cryopreserved till date. Cryopreservation is an aid for logical turn of events. Pregnancies have been conceivable utilizing 20 years solidified undeveloped organisms and ovarian cells can be put away to assist ladies with conceiving significantly after menopause. Cryopreservation of organisms is being directed to add information to bio-bank, accordingly making it conceivable to consider something regardless of whether it gets wiped out. Another critical use for cryopreservation is, protection of undeveloped cells. On the off chance that another born’s undifferentiated organisms (extricated from placenta) are saved, they can be utilized for medical procedures in the course of his life subsequently wiping out careful difficulties. Untamed life researchers are likewise considering to utilize this strategy to spare imperiled species and clone some wiped out ones. My first brush with Anemia was the point at which I was caused by it. That is the point at which I came very close with the sickness and picked up data about it from my primary care physician. The most significant vehicle liquid in the human body is the blood and the sythesis of which is mind boggling and multifaceted. Pallor is the most widely recognized blood issue which emerges when there is a decline in the quantity of RBC’s or in the measure of hemoglobin in the body. Since the essential work of RBC’s is to flexibly oxygen, lack of it causes oxidative worry in the cells which prompts further clinical confusions. The level of the malady relies upon the seriousness and the kind of

Fine Tuning Look at Different Theories Concerning This - 2200 Words

Fine Tuning: Look at Different Theories Concerning This (Essay Sample) Content: Fine-TuningStudentà ¢Ã¢â€š ¬s NameInstitutional AffiliationAbstractFine-tuning of the universe is the idea that there is precise conditions or balance that exists allowing observable universe to exist. If the conditions were to change even by a little difference, the universe would not exist as it is. This paper is going to bring to light aspects that are believed to be fine-tuned; with which if they were not fine-tuned a different universe would exist. Such elements include Cosmic Constants Initial Conditions and "Brute Facts", Local" Planetary Conditions and Effects of Primary Fine-Tuning Parameters. The fact that no one Science can explain entirely how the universe is fine-tuned is evident that God fine-tuned the universe for habitation.IntroductionThe occurrence of life in itself is a wonder but what sustains it is of immense surprise. An argument that exists on fine-tuning includes that there are many universes and the odd of having a perfect universe is higher than the probability of having an imperfect universe. However, no evidence has been substantiated of this and most of the time this theory is said to suffer from infinite regress by scientists. Another theory is that the universe is fine-tuned by an intelligent designer, this theory does not state who the designer is but asserts that there must be a particular artist. Another theory states that it could have occurred by a natural process where volcanic eruptions occur and various compounds formed and fallen in the right way to form the universe (Baer et al. 2013). Such an event is not only unlikely but also extraordinary consequently this argument is not valid (Wallace 2012).One of the aspects that are fine-tuned include gravitational force which is at a constant calculate by Brandon Carter shows that the if gravity had been stronger or weaker by one part in the tenth to the fortieth power, then life-sustaining stars like the sun would not exist. What would be life like without the sun? Winter in itself is a season that most people do not look forward to The Sun is one of the primary things that life depends on due to the provision of heat for both human beings and growth of plants that we depend on for food. Without the sun, people would lack Vitamin D that is necessary for the growth of bones and formation of calcium. The Sun also provides heat favourable to make some places of the universe warm like the earth. Other planets like Mars and Pluto are so cold to be inhabitable. This shows that the constant gravitational force is fine-tuned and necessary for life. Another aspect of fine-tuning is electromagnetic force constant where if the constant were to be changed by a small number making it weaker or stronger life would be impossible because the chemical bonds would be unstable. Cosmological constant which Albert Einstein proposed as to provide an outward pushing pressure that prevents gravity matter from causing the universe to collapse on itself. This cont rols the expansion speed of the universe. It refers to the balance of the attractive force of gravity with a hypothesised repulsive force of space observable only at large size scales. It must be very close to zero, that is, these two forces must be nearly perfectly balanced. If it were just slightly more positive, the universe would fly apart while slightly negative, and the universe would collapse. Also, if the constant were not there, there would be a high possibility that the universe would not have life-sustaining planets. In addition to those aspects, another form that exists is strong nuclear force constant (small-scale attractive force, holds nuclei of atoms together, which otherwise repulse each other because of the electromagnetic force which if it were weaker, the universe would have fewer stable chemical elements, eliminating several that are life-sustaining. Weak nuclear force constant which governs radioactive decay if it were much stronger or weaker, life-essential st ars could not form. These four aspects are referred to as the fundamental force in the general theory of relativity (Ruiz 2013).Besides physical constants, there are initial conditions, which describe the conditions present at the beginning of the universe which are independent of physical constant. Entropy represents the disorder in the system. Thus, low entropy is good for the start of the universe. A physicist, Roger Penrose estimates that the odds of the initial low entropy state of our universe occurring by chance alone are on the order of 1 in 10 10(123) that is extremely entropy which is necessary. The ratio of protons and neutrons is at a constant such that neutrons are about 1.001 times the mass of the proton; all protons would decay into all neutrons or vice versa thus making life impossible. If it were greater, there would be too few heavy elements for life while if it were smaller stars would quickly collapse as neutron stars or black holes (Razavi 2013). Another example of fine-tuned aspect that falls under initial conditions category is finely tuned density of the universe. For the universe to be life-sustaining the universe must have maintained a constant. The density is so finely tuned that a change in one part in 1015 would cause a collapse or a big crunch or there would be such a massive expansion that the galaxies would not exist (Carroll 2014).Drange's formulation asserts that there must be an intelligent designer who designed the universe. To put this intelligent designer into perspective, God must have been the one that created those finely-tuned parameters this for the entire living to exist. Another reason that this is possible is that scientists and physicists alike have not found...

Macroeconomics of New Zealand - 1812 Words

Macroeconomics New Zealand 2001 | May 12 2011 | This document contains 1552 words without the Harvard style referencing and the table of contents. | | ------------------------------------------------- Created by: Rausch Pà ©ter ------------------------------------------------- Module: Macroeconomics ------------------------------------------------- Contents Economic profile of New Zealand 3 Rate of GDP Growth 4 Stance of Fiscal policy 6 Government spending 2001 6 Financial System 7 Exchange rate 8 Balance of Payment 9 Works Cited 10 New Zealand’s Macroeconomic situation This is going to be an analysis of New Zealand’s Macroeconomic situation taking into consideration the most important measures of a†¦show more content†¦Direct public debt increased by a net amount of 1,004 million dollar including swaps between 1 July 2000 and 30 June 2001. This increase consisted of a net increase in internal debt of 1,061 million dollar and a net decrease in external debt of 57 million dollar. Government gross direct debt amounted to 34.1% of GDP in the year June 2001, which is a decrease from 35.5% in the previous year. The Budget forecasts operating balances rising to 2%, and net debt being maintained at a highly manageable 18% of GDP by the 2003 financial year. It initiates the transfer of funds into the New Zealand Superannuation Fund, a process that contributes to higher national savings and improves the ability of future governments to meet the costs of an ageing population structure. Government spending 2001 New operating spending is around $700 million in 2001/02, including contingency funding. Initiatives fall into three priorities: investing in education, health and disability services, social services and housing (the fundamentals) Enhancing economic transformation and cultural development (moving New Zealand forward) Investing in our defence and police forces, conservation, bio security, and the environment. For 2001, the New Zealand government has planned the following in their spending: * Enhance community and voluntary services * provide for New Zealanders’ housing needs * Funding a wide range ofShow MoreRelatedMacroeconomic Trends And Conditions Of New Zealand Essay1511 Words   |  7 Pagesfollowing essay, various macroeconomic trends and conditions will be explored in reference to New Zealand. While New Zealand has a rich history dating back to prehistoric times, the main economic development began with the colonization by British explorers in the late 1700’s. Throughout time, the island nation has shared much with its British lineage in that it has been a predominately isolated island nation that relies heavily on international trade. While this has allowed New Zealand to become developedRead MoreIncome Distribution And Distribution Income System1368 Words   |  6 Pagesin the long term. 4. Industrial democracy. 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Fiscal policy is a demand side policy used by the government to help direct the economy by altering theRead MoreDesigning New Products That Use Their Components Essay1128 Words   |  5 Pages†¢ Suppliers - Invent new products that use their components as input and Develop other products that are complementary to their components †¢ Customers – the special requirement of the customer can be the new product of the market †¢ Complimentary innovators –for an example Microsoft is a complimentary innovator for Compaq 3. university government and private laboratories – the firms may need related research and development for both basic and applied. 4. other nations and regions – affect the ideasRead MoreBank Specific And Macroeconomic Determinants Of Bank Profitability Essay767 Words   |  4 PagesReferences ASB. (2015). comprehensive credit reporting. Retrieved from https://www.asb.co.nz/personal/comprehensive-credit-reporting Athanasoglou, P. P., Brissimis, S. N., Delis, M. D. (2005). Bank-specific, industry-specific and macroeconomic determinants of bank profitability (32026). Retrieved from Munich Personal RePEc Archive website: http://mpra.ub.uni-muenchen.de/32026/1/MPRA_paper_32026.pdf Bank for International Settlements. (n.d.). The Basel Committee s work. Retrieved November 4, 2014Read MoreThe Reserve Bank Of New Zealand Essay1382 Words   |  6 Pages91227 Task 1 The Reserve bank of New Zealand is the central bank of New Zealand. It is the main bank to both the Government and registered banks such as ASB ANZ and more. The Reserve Banks biggest and main function is to provide stability in the general price level, as defined in the Reserve Bank of New Zealand Act 1989. In September of 2012 Graeme Wheeler was appointed the Governor of the Reserve Bank. Him and his staff have the responsibility of controlling New Zealand’s currency and operatingRead MoreThe Economic Issues Of New Zealand Essay1563 Words   |  7 PagesIntroduction: I selected the book that giving us information about the economic issues in New Zealand. The name of the book is KEEPING ECONOMICS REAL (NEW ZEALAND ECONOMIC ISSUES) written by Paul Hansen and Alan King. This book is published by Pearson Education New Zealand in 2004.This book is printed in Malaysia and typeset in 10.5/12 Palatino. This book is dedicated to the memory of Ajit, Erikin, Pete and Priyatosh. Royal ties go to Erkin Bairam Memorial Scholarship. This book has three part. PartRead MoreA Research Study On Investment Products1436 Words   |  6 Pages p. 142). For this investment simulation, cash and domestic equities were selected as part of the trading process. Fixed interest based products were omitted from the trading process. The domestic equities selected included the Australian and New Zealand Banking Corporation and biomedical research firms CSL Limited and Monash IVF Limited. Further information regarding the corporation and the trading process review will be provided in detail below. A hypothetical amount totalling $300,000 was usedRead Morebilet 31023 Words   |  5 PagesПÐ µÃ'€Ð µÃ ²Ã µÃ ´Ã ¸Ã'‚Ð µ Ã'‚Ð µÃ ºÃ' Ã'‚ Ð ¸ Ð ¾Ã'‚Ð ²Ã µÃ'‚Ã'Å'Ã'‚Ð µ Ð ½Ã ° Ð ²Ã ¾Ã ¿Ã'€Ð ¾Ã' Ã'‹: WHAT IS MACROECONOMICS? Macroeconomics provides us with a bird s-eye view of a country s economic landscape. Instead of looking at the behavior of individual businesses and consumers—called microeconomics—the goal of macroeconomics is to look at overall economic trends such as employment levels, economic growth, balance of payments, and inflation. The study of the world economy, for example, is essentially a macroeconomic survey. Just as the speed of an engine is

The Lord Of The Rings Essay - 1803 Words

Everyone tells story. Most are about things that are not real and unnatural. Look at the Brothers Grimm. If they were alive today, they would be making a fortune because of all the movies and books there are. Jonathan Tolkien dreamt about an alternate world, with a mix of languages and songs. The stories grabbed the minds of thousands and grew an empire. The Lord of the Rings series was by far one of the most successful books series in history. The main issue in the entire series is the One Ring. The one that Frodo and Bilbo Baggins carried around. However if you look into it closely, the main point to the One Ring is to represent power and temptation. I.Biography Childhood of Tolkien John Ronald Reuel Tolkien was born in Bloemfontein, South Africa, on January 3, 1892, to Arthur Tolkien and Mabel Suffield Tolkien. After his dad died from peritonitis three years later, Mabel took Tolkien, and his younger brother Hilary, to Sarehole, near Birmingham, England. Mabel started to teach Tolkien at an early age. She taught him about botany. Tolkien liked to draw landscapes, but he had a great interest in languages, such as Greek, Anglo-Saxon and Finnish. He could read by age four and could write soon afterwards. He disliked Treasure Island and The Pied Piper. He did like the works of George MacDonald and Alice’s Adventures in Wonderland. When Mabel died in 1904 from diabetes, the two brothers were sent to live with the family’s Catholic priest, Father FrancisShow MoreRelatedThe Lord Of The Rings1648 Words   |  7 Pagesand religious truth (or error), but not explicit, not in the known form of the primary real world.† As The Lord Of The Rings is, by Tolkien’s definition, a fairy-story, it would be correct to assume that it, too, contains â€Å"elements of moral and religious truth.† However, many who read Lord Of The Rings dispute the trilogy’s religious content. Tolkien states, The Lord Of The Rings is of course a fundamentally religious and Catholic work†¦ That is why I have not put in, or have cut out, practicallyRead MoreThe Lord Of The Rings1736 Words   |  7 PagesThe Lord Of The Rings The story began as a consequence to Tolkien s 1937 fantasy novel The Hobbit, but eventually improved into a much larger employment. Written in stages between 1937 and 1949, The Lord of the Rings is the second pick-selling surprising ever written, with over 150 million carbon copy sold. The Lord of the Rings is an epopoeia exalted-imagination recent written by English subcreator J. The toil was initially intended by Tolkien to be one roll of a two-volume put, the other toRead MoreThe Lord Of The Rings1383 Words   |  6 PagesSome stories can affect people emotionally, but once in a while a story can call a person to escape to it. The Lord of the Rings is an enchanting story with masterful use of setting and sensational characters that engages readers and can move them to experience life in a deeper way. As a child J.R.R. Tolkien lived in Africa until his father passed away. Then his mother moved them to England. Mrs. Tolkien made certain that her children learned literature and languages. It was probably due somewhatRead MoreThe Lord Of The Ring1455 Words   |  6 PagesTom Bombadil placed the magic ring on his finger; everyone waited for him to disappear, but nothing happened, and he handed the ring back to Frodo without a slight hesitation. Frodo offered Galadriel the ring and she grew into a horrible creature towering over Frodo, but fought the ringâ€⠄¢s strong temptation, and finally decreasing back to her normal self and declined the powerful ring. Both Tom and Galadriel, in The Lord of the Ring, portray Tolkien’s respect for nature and strong spirituality, becauseRead MoreThe Lord Of The Rings1549 Words   |  7 PagesDarkness extended over all of Middle-Earth like a veil during the time of war. New laws were enforced and the citizens’ freedom was taken away. Frodo’s magic ring represents the unsustainability of the environment, and the characters of Middle-Earth. In The Lord of the Rings, Tolkien uses the magic ring to reflect the politics of sustainability, by drawing from his own life experiences. Two philosophers, Scruton and Hart write their recipes for sustainability. Scruton believes that finding the rightRead MoreThe Lord Of The Rings1469 Words   |  6 Pagesauthor of The Fantastic: A Structural Approach to a Literary Genre, defined fantasy as â€Å"the creation of a moment of hesitation betw een two worlds†(qtd. Kelly, Course Introduction 2). This description of the genre compliments J.R.R Tolkien’s The Lord Of The Rings trilogy due to the author’s use of sub-creation to construct his alternate world. Tolkien believed that the way to create a believable, all-encompassing world was to combine fragments of reality, or the â€Å"primary world†, together to constructRead MoreThe Lord Of The Rings1698 Words   |  7 Pagesaudiences. Both of these have had a profound effect on the world, whether it be through changing a way of life or just by making time pass for a few hours. Certain books and movies have played great roles in the world and had many influences. The Lord of the Rings has had a massively positive effect on both literature and film. Its creation has led to many positives and in doing so has become one of the most influential stories ever created. It has also led to some major impacts outside of literature andRead MoreThe Lord Of The R ings999 Words   |  4 Pagesby J.R.R. Tolkien in The Lord of the Rings, where the ultimate power source created contains enough power that the master of the Ring becomes in turn the master of Middle Earth, and absolute power follows in accordance to absolute corruption of he who possesses it. Many a man and creature wields the Ring, falling to the temptation of its power and the poison of its possession, bringing about death and evil life to the masters of the Ring.In Tolkien’s The Lord of the Rings, the wizard Gandalf renouncesRead MoreThe Lord Of The Ring841 Words   |  4 PagesThe Lord of the Ring J.R.R Tolkien Setting the western, middle, and southern region of Middle earth in the third age Character Frodo - a Hobbit with the one ring and has to take it into the land of Mordor and throw it into Mount Doom Sam - a Hobbit who is Frodo’s best friend who helps Frodo on his journey and come with him to the end Peregrin Took - a Hobbit call Pippin, who is Frodo’s friend and he helps Frodo on his journey Merry - a Hobbit who is Frodo’s friend and he helps Frodo on his journeyRead MoreThe Lord Of The Rings1352 Words   |  6 PagesThe darkness that had extended over Middle-Earth, lifted like a veil the moment the magic ring was destroyed. New laws were enforced and the citizens’ freedom was taken away. In The Lord of the Rings, Tolkien uses the magic ring to reflect the politics of sustainability, therefore exploring the hardships of an unsustainable community. Frodo’s magic ring represents the ruthless actions of the creatures of Middle-Earth. Two philosophers, Scruton and Hart write their recipes for sustainability. Scruton

Dairy product free essay sample

Squash is a kind of vegetable that is commonly raised throughout the year in abundance. Ice cream is a frozen dessert made from dairy products, such as milk and cream. Because the squash is commonly raised througout the year, the researcher would like to study about squash as ice cream. The researcher gathered the materials needed. The researcher washed and sliced the squash. It is boiled with the malunggay leaves within 15 minutes after that the researcher let it cool. While waiting to the squash to cool the reseacher cooked the cornstarch and added sugar and condensed milk. By using the blender the reseacher mix the squash and the mixed sugar, condence milk and cornstarch. After that the researcher put it on a container and freezed it. The result of the study is, the people who taste the squash ice cream fill-up an evaluation paper. Many of them agree that the taste, smell, color and appearance were satisfying. We will write a custom essay sample on Dairy product or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Few only agree that it needs improvement. The researcher therefore conclude that squash ice cream is cheaper than the other ice cream. It is also nutritious because it is made up of squash. And we all that squash has lots of nutrients. About the taste of the ice cream, it is delicious because of the dairy products added. ACKNOWLEDGEMENT I, the researcher would like to thank the people who helped and contributed to make this study successful. To my beloved Research teacher Ms. Loida Calma who helped and encouraged us to improve our work. To my parents and relatives who gave moral and financail support in making this project possible. To my friends who gave some ideas and tips about this project. To my group mates who extended their time just to finish this project. And specially I would like to thank God who gives knowledge, wisdom and his blessings to us. INTRODUCTION: Background of the study Squash is a kind of vegetable that is commonly raised throughout the year in abundance. One squash plant could bear fruits of more or less 200 before it dies. According to phytonutrient research, squash has health benefits. It has nutrients that make our body healthy, it is a brilliant source of vitamin C and a very good source of magnesium, vitamin A fiber, folate, copper, riboflavin and phosphorus. It is also abundant in potassium, that is a key electrolyte in the balance of fluids and also provides muscle energy. In addition, it is high in manganese, a mineral which helps the body process fats, carbohydrates, and glucose. Malunggay leaves was once considered a poor mans vegetables but now it is known as a miracle tree. It has many health benefits for human, malunggay leaves helps strengthens the immune system, help restores skin condition, controls blood pressure, relieves headaches and migraines, help normalize blood sugar level therefore preventing diabetes an many more. Ice cream is a frozen dessert made from dairy products, such as milk and cream, combined with flavorings and sweeteners, such as sugar. And we all know that lots of people like ice cream. So I the researchercome up with an idea to make a nutritious and delicious ice cream out of squash with peelings. I want to make this ice cream because this ice cream is nutritious and we can also sell this so that we can earn money. Statement of the Problem †¢Can squash with peelings be made into an ice cream? †¢Will the squash with malunggay bits taste good? Hypothesis Squash with peelings and malunggay bits can be made into an ice cream that tastes good with the help of sweeteners like sugar and condensed milk. Significance of the Study This study is significant because it aims to promote the use of squash and malunggay. It may also lessen the expenses of ice cream for people who cant afford expensive ice creams. This study can also be use for business. We can sell the ice cream so that we can earn money for more beneficial means. Ice cream out of squash and malunggay is rich in nutrients and vitamins that helps for our body to be healthy and prevent sickness or serious diseases. Definition of Terms †¢squash- edible fruit of various trailing annuals of the gourd family. †¢peelings- skin or outer layer of the squash. †¢ice cream a frozen dessert made from dairy products. †¢container- anything that serves to contain. †¢measuring materials- materials that measure liquids or anything. †¢dairy products- a commercial establishment that process or manufactures milk products. †¢strainer- anything that serves to contain. †¢Malunggay leaves- leaves of the miracle vegetable (malunggay).