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The front side of the house has the most detail compared to the three other buildings in the picture. I can clearly see the door, windows, and even the color of the house. This leads me to believe that Christina is focusing on the front of the house. I see what appears to be a typical farm in rural America, somewhere in a Midwestern grassland state. This farm however, has no livestock, or crops. I see a shed to the right, and a barn about fifty yards to the left of the house. If I look closely, birds can be seen flying from the barn. Is this a possible sign of abandonment?

Judging between the rough, tall grass and the smooth texture to the grass around the farm tells me this place is not as deserted as it looks. This tells me that Christina’s world has boundaries, and it appears that she is out of bounds. The colors of the painting are very dull and flat. This only enhances the theme of a desolate and nearly dead farm. The vast field and wide open spaces make this place look very empty. The path leading up to the house seems faded by over growth; another sign that Christina’s world is a lonely place. When I come full circle, I set my eyes back on Christina.

I begin to wonder, why is she here? Why is she in rough wild grass instead of the smooth tame lawn? As I take a closer look, I notice her rigid hands clutching the earth. It’s almost as if she’s pulling herself forward; as if she’s trying to get to safety. Her body is thin and frail. She looks starved and malnourished. Loose strands of hair are flowing in the breeze. Her dress is pink; a sign of femininity, but it’s also faded along with the rest of the scene. The point of view Wyeth gives is as if I’m standing right behind Christina. I can’t help but feel tempted to do something to help her.

I want to get her to safety, give her some food, put her in bed, and get her some medical attention. Would she be safe though? When I look closely I can see a pile of lumber on the side of the house, and a latter propped up on the front. This house needs work done. Maybe this house isn’t a sanctuary for Christina. She probably dreads going back, but she has nowhere else to go. I think Christina has accepted her world because she has no other choice. She had to leave the boundaries and explore the outside a little bit before she realized this. Maybe the outside world rejected her so she begrudgingly turned back.

Even though it’s a warm summer day; I sense coldness here. The dark looming house has a forbidden feel to it. The barn is equally forbidden; only home to the birds now. It seems Christina’s world was left to fade away. When I researched Andrew Wyeth, and his painting of Christina’s World I found some interesting facts. Christina is in fact Christina Olsen, one of Wyeth’s neighbors. She lived with her brother Aravo Olsen in what is now known as the Olsen House located in Cushing Maine. This is far from what I originally thought. There is some speculation that Christina was schizophrenic. This however, is false.

On the other hand, Christina did have an undiagnosed muscular disorder. This disease, probably polio, caused her to lose her ability to walk in the late 1920’s. This explains why Christina is clutching the ground. She was crawling. It is a fact that Christina regularly crawled around the farm. The Olsen family and farm were inspirations for a few of Wyeth’s paintings. They even let him use the third floor of their house as an art studio. Wyeth’s father died in a horrible train accident three years before he painted “Christina’s World. ” This had a noticeable impact on Wyeth’s art. His colors became more bland and dull.

His landscapes were bare. These traits are highly reflected in “Christina’s World. ” If you look at modern pictures of the Olsen House you can see the place is surrounded by evergreens. In the painting, there isn’t a tree in sight. The landscape is almost bare except for the grass. I would say “Christina’s World” is Wyeth’s way of expressing his grief for his father’s death. Andrew Wyeth was inspired to paint this picture when he looked out his window and seen Christina crawling around in the fields. Though Christina inspired the painting, it was Wyeth’s wife Betsy who modeled the torso, and head.

The Olsen farmhouse is the most famous model of the painting. It was first built in the late 1700’s, then later had a third floor annexed to it. The Olsen house still stands to this day in Cushing Maine, and is a historic landmark. It is owned by the Farnsworth Art Museum. I believe Wyeth was asking his viewers a question in this painting. If your standing behind this woman who is crawling across the field. What would you do? Wyeth is giving us a choice. He’s showing us a cruel, harsh world. Do you help her, or do you pass her by; letting her fend for herself?

How Much Will You Need To Retire

Exercise Two: How much will you need to retire?
The purpose of this exercise is to help you understand how much money you will need at retirement to maintain a reasonable standard of living, taking into account Social Security payments, a company retirement/savings plan and you own personal savings. Make sure you carefully follow the instructions provided to complete this exercise.
Go to Social Security Life Expectancy (Links to an external site.)(https://www.ssa.gov/oact/STATS/table4c6.html) and take a look at the “how long you can expect to live” (this table has been updated through 2019). Remember this estimate is based on current longevity. Your higher educational status, your income potential and medical advances during your career are likely to extend the time you will live. Find your age and then add the number in the column labeled “Life Expectancy” to your current age. Use that information and then make your best guess as to how long you might actually live.
Then go to Quick Calculator (Links to an external site.) (https://www.ssa.gov/OACT/quickcalc/). The Quick Calculator is just that, it provides a quick estimate of what you may expect to get from Social Security when you retire. Enter your date of birth (if there is a date already entered, just delete that date and re-enter your own birth date). You must be at least age 22 to use the calculator. If you are not yet 22 assume that you were born in 1999 or before. Then enter the earnings you might expect to receive in your first year of your professional work (again, if that field is pre-populated, just delete that entry). Then enter your future retirement date (remember, you can get reduced payments at 62, full payments at 67, and increased payments if you retire after that, with the maximum occurring at age 70). Lastly, check the box for “inflated (future) dollars”. Then click on “submit request”.
You now have your baseline data: “how long you will live after you retire, when you will retire, and your potential Social Security income”. Make a note of that baseline data. Next, we will determine how much you will need from other sources.
Go to Bank Rate Retirement Calculatorhttps://www.bankrate.com/calculators/retirement/retirement-plan-calculator.aspx (Links to an external site.) This will provide you with the amount you need to save to reach your desired “retirement replacement ratio” income goal. In the current work environment, most employers provide a 401(k) and we will assume that is the retirement plan you will participate in. Typically, in a 401(k) you contribute a percentage of your pay (e.g., 6%) and the company will make a matching contribution. Those contributions can be invested in mutual funds where it can grow tax deferred until you retire.
Under Retirement Plan Inputs:
Enter your “Current Age”
Enter your desired “Age of Retirement”
Enter “Annual Household Income”. (This is a salary you would expect in your first year of professional employment.)
Enter your “Annual Retirement Savings” (This is how much you think you could reasonably save on an annual basis as a percentage of your salary e.g., 4%, 5%, 6%, etc.)
Enter your “Current Retirement Savings”. (If you have some, great, enter that amount. If not, just enter 0).
Enter your “Expected Income Increase”. (This is the annual percentage increase in pay, your pay raise, you think your pay will grow from when you start working until your retirement).
Enter your “Income Required at Retirement”. (This is your retirement replacement ratio. That is, how much of your last year of working pay, in a percentage, will you need to retire comfortably and maintain your standard of living?
Enter your “Years of Retirement Living”. (This is the number of years you expect to live in retirement. Go back to item 1 (your baseline data) above and find how long you are expected to live and your desired age of retirement and that difference is the years you plan on living in retirement).
Now, click on the little pencil in the section on Investment Results, Inflation and Social Security and continue with inputs
Enter your “Rate of Return before Retirement”. (This is how much your savings will grow as an annual percentage while invested before you retire).
Enter your “Rate of Return after Retirement”. (This is how much will savings will grow as an annual percentage while invested after you retire).
Enter an “Expected Rate of Inflation”. (This is what you think cost of goods and services (inflation) as an annual percentage will increase until your retirement).
Finally, click on “Include Social Security”. (Ignore the Married box).
Next, click on “Calculate” and after it calculates, click on “View Report”
Use the View Report document to help you answer the following questions:
Questions to answer for Exercise 2
Answer the following questions. Turn them in on Canvas. Make sure your answers are saved as a Word Document.
How long will you live, when will you retire, what is your expected Social Security benefit and how much do you have to save?
How do you feel about how long you will live during retirement given your preferred retirement age and your anticipated life expectancy? Explain why.
What is your reaction to the amount you need to save for retirement to maintain your standard of living? What is your reaction to the “how to meet your goal” recommendations provided in the report? Explain why.
How good an investment are your contributions to Social Security? Consider that you currently pay 6.2% of your pay up to $147,000 and your employer pays the same amount. So, if you make $100,000, a total of $12,400 ($6,200 from you and $6,200 from your employer) goes into the Social Security Trust Fund. Is that a good use of your and your employer’s money? Do you believe Social Security will be there when you retire? Explain why or why not?
List and describe 3 ways you can improve you own personal financial security in retirement?
Provide 3 examples/ideas how HR can work with employees to make sure they understand the need to save and invest?