Financial Planning By Considering Personal Financial Needs - Free Essay Example

Sample details Pages: 12 Words: 3671 Downloads: 3 Date added: 2017/06/26 Category Finance Essay Type Analytical essay Did you like this example? We know that the conditions of an economy do not remain static. The factors which influence it keep on changing. The rate of flow of funds also, changes with time in an economy, so people have funds available in different strengths at different moment of time. Don’t waste time! Our writers will create an original "Financial Planning By Considering Personal Financial Needs" essay for you Create order It affects the lives of people living in that economy because to satisfy their needs they require funds. People always feel a gap, positive or negative, between their needs and required funds. So they do their financial planning. In this project we have tried to find and analyse how and in which ways people are doing financial planning in the prevailing market situations. We have also tried to find the awareness of people about current market situations, awareness of financial planning among them and their interest area of investment. Financial Planning is not a very new concept in India. It had been in practice in earlier social systems also. In the past also, people used to do this in some ways. They used to purchasing pieces of land, jewellery and keep these with them for their bad days. Some of them kept their saved money with so called à ¢Ã¢â€š ¬Ã‹Å"Mahajanas who used to acting as banker. Though people in the past were involved in some kind of activities related to the ir financial planning, yet they were not very conscious and aware of the thing and were not doing this very actively. It was so because the joint family system was there in the society and also the economic conditions, in the country, were almost static and not as turbulent and volatile as in current scenario. So people did not feel so much insecure. But after industrial revolution, things started to change. People started to move towards cities in searching of new earning opportunities. This leaded to a dynamic economic condition in the country and a change in family structure in the society. This thing has been continuing for years in the country and today we can observe increasing number of nuclear families and varying economic conditions here. The needs of a person and his consumption habits have also changed significantly. Further, the priorities and these needs of a person also change with change in his life stage. So financial planning has become more relevant and impor tant in current market scenario. But, How many persons are there who understand the meaning of financial planning? How many of them are actively doing it? In which ways are they doing their financial planning? These are some questions we need to find answers so that we can conclude to a result and can act accordingly. We have tried to find the answers of these questions in this project. Personal Financial Success: The Six-Level Pyramid  Ãƒâ€š Using the six-level pyramid to help explain the various building blocks to financial success helps to reveal the development of financial planning and indications, at each level, if instruments that might be considered. At the first level of the pyramid, there are four stages that need to be considered. Before any phase of an action plan can be implemented, an individuals current situation must be determined. One must evaluate their personal income because the amount of money a makes directly affects the amount that person can save. After all debts and living expenses are subtracted form income, one can know how much to put in savings every week, month or year. The amount one puts in savings is very important. This will have bearing on a spouse, children, and retirement life. Saving money should become a top priority in the financial planning realm of life. Goals are another important factor in financial planning. Without goals, a person has nothing to strive for, nothing to loo k forward to. This should come with ease during the implementation of a financial action plan. Career choice plays a major role in ones ability to live at a certain level in society. There are many factors to consider when making a career choice. They include personal factors, social influences, economic conditions, and trends in the industry. A person must consider these things when deciding on a career if they want to have long-term success in any given profession or calling. Keeping good records and being organized is a necessity for a person with a successful financial action plan. After receipts have been found, invoices filed, and check numbers recorded, one can develop a budget. A budget simply allocates income to different areas of spending. For example, one family may spend two hundred and fifty dollars per week on groceries, while another only spends one hundred per week. A budget can be done on a weekly, bi-weekly , or monthly time frame basis. An important part of an overall budget is taxes. Taxes, in general, include federal and state, occasionally county expenses on land ownings and other purchases. A person should be fully aware of how to calculate their taxable income and on how to get help with taxes. The second level of the pyramid involves managing. The absolute first way to begin with money management is to get the money out of a pocket ( or from under a mattress ) and put it into am interest-bearing account. Before this can be done, however, the best bank suitable to a persons needs mus be located. To do this, one must evaluate the different banks rates, fees, and other factors such as number in branched in the area and the services offered. One should examine the gains and losses of having a checking account as well. Credit is a way of life for million of American today. In my opinion, one must be very cautious when choosing whether or not to use consumer credit. There are almost always hidden costs and consumer traps ready to suck a trusting person in. One should be aware of possible credit mistakes and try their best to avoid them. Also, spending far above ones personal income level can become a major problem if taken advantage of. In the market for loans, the most enduring statement is to Shop Around! A person will never know what could be gotten until they try to look for the best deal. One should be aware of the fluctuation of interest rates and the affect that they will have on the principle amount of money borrowed. The third level of the pyramid illustrates the major purchasing decisions in life. Should I buy that shiny new Mustang on credit or save that money for a down payment on a home in a nicer neighborhood? The allocation of personal funds is one of the most harrowing sets of decisions a person will ever make. The decision to purchase a home is in this set. This will probably be the most expensive purchase one will ever make. One should be sure that the purchase of a new home is not o utrageously out of his or her income range and that it meets all of their needs. The second most important purchase would be that of a new vehicle. A car purchase can be an exciting time. Since cars are seen as status symbols in society today, most people attempt to buy one that they cannot afford. This can be ruining to credit and make daily expenses much harder. Day to day existence in todays society can be dangerous if a person does not have adequate insurance coverage for self, spouse, and children ( if any ). The fourth stage of the pyramid deals with the adequate amount of insurance. How much is too much or too little? Risk management is a major factor in this. For example, a race car driver is not going to get a good a rate of insurance as a middle aged accountant. Factors such as car accidents, speeding tickets, safety measures taken, and daily activities such as smoking or drinking all affect the amount different types of insurance will cost an individual. After life insurance, I believe that the next necessity is to have automobile and home insurance. These are the two most likely things that someone might have to call on insurance to cover. Health care and disability insurance truly comes in to play when one has a family, nut possibly when single if severe illness occurs frequently. Finally in the fourth level, a value must for life insurance must be chosen. This is directly affected on who will be left depending on money received from your life insurance. This insurance money can be left as a legacy, as a help for funeral expenses, or even a gift from the deceased. The fifth stage of this financial planning pyramid is about investing. There are four fundamental ways that one can invest. They are stocks, bonds, mutual funds, and real estate. Stocks are divided into two main categories, common stock and preferred stock. Common stock makes money by dividing the value of an investment three ways: income from dividends, dollar appreciation of t he stock value, and stock splits. Preferred stock is similar to common stock. However, with preferred stock, the investor receives his/her cash dividends before the holders of common stock receive theirs. There are a number of factors that enable investors to evaluate the value of any certain stock. One can read daily newspapers, and gain information from professional in the stock market field. Bonds are divided into two main categories as well. A corporate bond is a corporations written pledge to repay a specified amount of money plus interest gained over a specific period of time. This total is referred to as the face value of the bond. Corporations issue bonds in order to have available monies to finance expansions, takeovers, etc. This is referred to as debt financing for a corporation. The other type of bond is one that is issued by the federal, state or a local government agency. The bonds that the federal government sells are referred to as treasury bills, notes, bonds, or sa vings bonds. These are used to finance the national debt and for the governments everyday activities. A municipal bond is one that is issued by a state or local government. All three of these types are said to be generally risk-free. As a financial planner, I would advise my client to seriously look into bonds. Mutual funds are unique in the fact that there is diversification of the purchased portfolio. A persons money goes into a large pool, which a company then invests in many different stocks. The last type of fundamental investing is Real estate. There are different types of real estate investments. For example, your home can be an investment if handled properly or one can purchase commercial property for resale only. The sixth and last stage of the pyramid involves retirement and estate planning. Taking steps now to ensure that a person has money during retirement is particularly important. This should be linked in with the amount of money chosen to save in part one of the f inancial planning program. Last of all, one must know a little about estate planning. There are legal and personal aspects of this matter. Estate planning is the plan for the disposition of ones property during ones lifetime and at ones death. Legally, everyone needs to have a last will and testament to ensure that their properties are distributed accordingly. A lawyer usually needs to be consulted on this matter. In summary, the most important aspect of financial planning is just what it states-PLANNING. A great deal of money can be gained and saved if the correct methods are incorporated into a persons everyday life and activities. OBJECTIVES We have conducted the study taking following objectives in our concern: To understand customers awareness about current market/ economic scenario. To understand customers awareness about financial planning. To understand how customers do their financial planning. Capture reasons for doing / not doing financial planning. Understand the key areas where investments and savings are made and rational reasons behind the same. Review of Literature Jim Gewert Named Executive Vice President of Worldwide Finance, Planning and Systems for Warner Bros. Home Entertainment Group An industry leader since its inception, WBHEG oversees the global distribution of content through packaged goods (Blu-ray Disc and DVD) and digital media in the form of electronic sell-through and video-on-demand via cable, satellite, online and mobile channels, and is a significant developer and publisher for console and online video game titles worldwide. AGL Resources; AGL Resources To Webcast 2010 Annual Meeting of Shareholders on April 27 During the meeting, AGL Resources Chairman, President and Chief Executive Officer John W. Somerhalder II will provide an update on the companys financial and operating performance and its business strategy. 2010 MAY 1 (VerticalNews.com) AGL Resources (NYSE:AGL) will webcast its annual meeting of shareholders on Tuesday, April 27, at 10 a.m. Eastern Daylight Savings Time. During the meeting, AGL Resources Chairman, President and Chief Executive Officer John W. Somerhalder II will provide an update on the companys financial and operating performance and its business strategy. The meeting will be held at the AGL Resources corporate headquarters at Ten Peachtree Place in Atlanta. Solutions Financial, Llc; Actfinancially.com Launches Personal Financial Planning Website The site includes personalized financial planning, budgeting, goal-setting tools and reports, a library of information and resources, blogs, tips, financial coaching help to manage money and community features such as forums, message boards and live chat for guidance and support. Financial Planning Steps Needed Now to Prepare for Health Care Bill Outcomes Even though the bill is still a few years from implementation, its not too soon to consider several financial planning strategies now to mitigate significant tax increases for the wealthy and the potential for increased borrowing costs for earners of all income levels, Kahler advises. Walking the Walk: A Financial Planner Teaching His Children In an interview, Daniel M. Stern, CFP, with his children, Lily and Benjamin, talked about financial planning for his kids. Stern said theyve been doing it two years now, since right after they talked. Looking at the idea of an allowance as something you give to the children; you dont base it upon work that theyre doing. Its so they can learn how to handle money and get a sense of the value of money and what can be done with it or not done with it. When it came to charity, they were trying to do it every week, but its not that big of an amount to give. Ben thinks its great. It gives them experience to know how to handle money. Lily also thinks its really good. Stern added that toward the last part of the year they had to adopt a spending moratorium. He thinks in todays society theres a huge amount of materialism. Lessons from Her Father Its no surprise that 30-year-old Kimberly Allman has her finances in order. Her parents guidance dovetailed with her own financial self-discipline. A Cornell Law School alum, Allman uses her financial sensibilities in two jobs: as manager at a nonprofit that helps homeowners avoid foreclosure, and as president of Allman Financial Planning LLC, her own personal finance consultancy. Allmans father helped to shape her relationship with money. Allman who is single, now follows her fathers example when she doles out advice to clients regarding debt, credit scores, and investments, among other concerns. In addition to her law degree, Allman has a bachelors in psychology and political science from Duke University, and shes set to receive a certificate in financial planning from Boston University this spring. While in school she avoided frills and kept expenses to a minimum. To reach her current level of financial security, Allman resisted shopping for handbags and jewelry. Money on Your Mind: The Brains Role in Financial Decision-Making The sophistication of modern civilization masks the fact that the brains have evolved little since the Stone Age. The neural programming of human beings was optimized for physical survival, not contemporary challenges such as financial decision-making. The human brain has separate, dedicated centers for coping with situations that present imminent danger or attractive rewards. When triggered by highly stimulating personal or financial events, these centers can cause the brain to react reflexively, dampening the ability to think analytically. Technology gives people ready access to their credit, savings, and investment accounts. Unfortunately, this access makes it easier for people to act upon impulsive financial decisions. This paper examines a case study to demonstrate how perceived financial dangers or rewards can unconsciously trigger emotions that override their rational decision-making. Financial planners also can help their clients develop new methods to read to financial sit uations in a more analytical manner that is consistent with the clients primary values. A House Divided: Americans Have Two Distinct Views Of Retirement The financial turmoil of the past few years has taken a huge toll on Americas confidence about the future and apparent readiness for retirement, said Jamie Ohl, senior vice president and director of The Hartfords Retirement Plans Group. The Planning Dynamic But The Hartfords research shows that people who have taken the time to plan their retirement are generally in a better place financially and are significantly more optimistic about the future than those who have not planned, Ohl said. OppenheimerFunds Survey: When It Comes to College for Their Kids, Women Drive the Planning Process But Many Take a Back Seat on Finances Later College funding is an issue for women in college, after college and for decades after, for both parents and students alike. Because women outnumber men on college campuses by a factor of almost three to two, women pay the price literally and figuratively for poor college financial planning, frequently dropping out or graduating with debt that can cast a shadow over much of their adult life, affecting even their ability to retire, Winn said. The Financial Planning Association(R) of Arkansas iShares* Make $20,000 Contribution to Arkansas Aspiring Scholars Matching Grant Program For more information about the iShares 529 Plan, contact your financial advisor, call 1-888-529-9552 or visit www.ishares529.com to obtain a Program Description and Participation Agreement which includes investment objectives, risks, charges, expenses, and other important information; read and consider it carefully before investing or sending money. If you are not an Arkansas taxpayer, consider before investing whether your or the designated beneficiarys home state offers any state tax or other benefits that are only available for investments in such states qualified tuition program. METHODOLOGY Methodology is a strategy that guides a research in providing answers to research questions and for which, research survey is being done. This study has been carried in the following manner:- Methodology Adopted Questionnaire Design: The questionnaire was prepared covering the details about the client and the above objectives. The questions were designed in an easily understandable way with the help of (Miss. Nancy sahni ) that the respondents may not have any difficulty in answering them. The questionnaire also contained a comments section. This section was included so as to get opinion of the people. Random Sampling: Sampling can be defined as a part of population. Thus random sampling may be defined as the selection of a portion from the whole population in which each elements of the population has an equal chance of being selected. In this research survey people were surveyed at random to get the relevant information. Sampling Techniques: The sampling techniques used in this project are probability sampling techniques and the methods used in cluster sampling. Sampling Unit: The respondents who were asked to fill out questionnaires are the sampling units. In this survey these comprise of Govt. Employees and Self Employed persons. Sample size: The sample size was restricted to only 100 people between age group more than 25 years which comprised of mainly peoples from the area where the survey was conducted. Data Collection: Structured Questionnaire: In this part of data collection, structured questionnaire was used as a tool by asking a set of standardized questions which answers we needed to know. Interpretation: Interpretation refers to the task of drawing inference from the collected facts after an analytical study. The simple statistical tools are used to analyze the data collection. Bar Graphs and pie chart have been used to illustrate the findings diagrammatically. AREA OF SURVEY https://www.radhasoamiji.in/images/map.jpg The survey was conducted in a village BEAS and Mehru which is situated in kapurthala district in Punjab. Though it is a town of almost 40,000 people yet its market caters the need of a large customer base which comprises of people, in addition to the town people, living in several villages that surround the town. It is situated near the BEAS river and second near Phagwara, so people from other side also come here for shopping. This is a reason that a big part of population here is involved in business and related activities. A good number of service class people are also present here, because of working of several Government organisations in the town. Block Office, Subdivision Office, Seema Suraksha Bal, Registration Office, Banks, Food Corporation of India, Irrigation Department, Public Work Department, Govt Schools, Municipal Office and also some other departments are working here. In financial institutions here these are pre sent: State Bank of India (CBS) Punjab National bank of India (CBS) Bank of India Life Insurance Corporation of India ( Satellite Branch ) Bajaj Allianz LIC Co LTD ( Branch Office ) Rahika Co-operative Bank ( Branch Office ) Sahara India ( Branch Office ) Some other institutions like à ¢Ã¢â€š ¬Ã¢â‚¬Å" Birla Sunlife, Reliance Life Insurance, ICICI Prudential also work here controlling their activities from Main branch. LIMITATIONS The report is prepared on the basis of responses given by the respondents and is confined to the area of survey, so it does not necessarily show a pattern applicable to other areas also. Some respondents were reluctant to divulge personal information which can affect the validity of all responses. In a rapidly changing environment, analysis on one day or in one segment can change very quickly. The environmental changes are vital to be considered in order to assimilate the findings.

The Importance Of Clean Drinking Water Pollution - 2357 Words

Abstract The sustenance of safe and quality drinking water is increasingly becoming an urgent priority due to global pollution. It means that maintaining clean drinking water requires effective policies, regulations, and acts that identify, document, and eliminate health risks in all potable water sources. Water pathogenic microorganisms must be understood and identified in water sources because they have a relationship with acute and chronic illnesses. Surface water could quickly change because of human waste, chemicals, and organic nutrients. Water disease outbreaks could occur due to inadequate water treatment facilities, illegal dump sites, and outdated water lines/infrastructure. Policies made across the world must include the goal of†¦show more content†¦According to the World Health Organization (WHO), a drinking water quality value represents the constituent concentration that results in no health risk to a consumer over an extended period of consumption. It must be sustainab le for human consumption. Guidelines available must be followed to ensure clean water supply for the consumers. When enforcing government acts the local, socioeconomic, geographical, and cultural factors are accounted within the acts. In each country relevant authorities must look at all considerations when setting policies concerning water quality issues. The matter of water quality maintenance must include everyone because leaving them only to agencies of water control may lead to a conflict of interest (WHO, 2004). Water analysis alone cannot maintain clean water and combined with periodic review and policy compliance is vital. Reviewing and acceptance of any type of water treatment facilities form a necessary basis for the maintenance of quality drinking water. According to the WHO, quality drinking water contains no pathogens and bacteria indicative of fecal matter and that regular water samples should be taken and examined to ensure good quality drinking water. The presence of Escherichia Coli in water is a potential indicator of fecal matter. Clean drinking water must not contain any trace of bacteria once the sample is analyzed. The provision ensures that, quality, pathogen free

Punk Rock free essay sample

Although Rock and Rolls most promising performers are gone, the rock and roll music still lived in the early sass, constantly adapting and creating different kinds of music, and still, rock and roll lived by its successors like Elvis Presley, a legacy was born and still adored by many rock and roll music enthusiasts. And later, the famous groups like The Beetles and Led Zeppelin emerged from the rock music scene in United Kingdom, but, at the progress of the continuously evolving rock and roll, a new genre was developed, one of the first submerges of rock and roll music and garage music.Punk rock music became a huge success around the world in the late sass (Yule, 201 0), with its fast, trashy, and rebellion-like lyrics; indeed, Punk is a revolution and a success to the audience, which was adored by many Punk rock fanatics by the time of its formation, 1969, until the present Punk rock music. Punk Rock adds another chapter in the long list of independent concepts and ideas within the American Culture. â€Å"America marches to a different drummer. Its uniqueness is explained by any or all of a variety of reasons: history, size, geography, political institutions, and culture. † This type of â€Å"American† thinking continues to inspire all kinds of musicians, but more so with the Punk Rock genre than any other. It was defines the core competencies of the bands, as well as that of their followers. This defining concept of individualism is also why Punk Rock has stayed relevant for all of these years. This country was built off this impression, as well as Punk Rock. It is hard to break down the barrier of individualism, because everyone is so unique, and Punk Rock simply unites and celebrates all different types of unique thinking. Through lyrics from bands such as the Romones, Blink 182, and The Clash, a colossal following came to Punk Rock. The lyrics almost became anthems to band groupies lives. In â€Å"The Shape of Things to Come† by the Romones, they sing â€Å"Theres a new sun Risin up angry in the sky? And theres a new voice Sayin were not afraid to die. One could argue that that way of thinking was backbone for what soldiers in the American Revolution stood for, and how the United States became to be what it is today. Of course American exceptionalism has its negative aspects to it that can be looked down upon. The United States has at times been exceptionally bad, racist, and violent. This cannot be ignored in the conversation of American exceptionalism. Although some of this demonstrates unfair and harsh governing, it shows that the American spirit still have that Punk Rock â€Å"drive† in them that fuels and strengthens them. This is also another reason why Punk Rock has, and will always continue to stay relevant in todays American Culture

Thesis Statement Is Mozarts Requiem Mass free essay sample

Thesis statement is Mozart Requiem Mass reveals not only a mastery of musical imagery, but also the composers own views about life and death. Introduction Wolfgang Amadeus Mozart Is one of the most talented composers of all time. The Requiem he composed in 1 791 was the last composition he worked on before his death. The Requiem is the most performed and studied pieces of music history and the story of the mysterious commission of Mozart Requiem is a well known. The Requiem Mass reveals not only a mastery of musical imagery, but also the composers own view about life and death. ContentWolfgang Amadeus Mozart was born January 27, 1756 In Salisbury to Leopold and Marl Anna Mozart. He was the seventh and last child to be born and only the second to survive, along with his older sister Manner. At an early age, Mozart had a gift with music. He began to compose at age five and In 1761 made his first public appearance with his father. We will write a custom essay sample on Thesis Statement Is Mozarts Requiem Mass or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Leopold was proud of his sons many gifts and paraded Mozart around Europe to perform at concert halls and courts. Even though throughout his childhood Mozart was often bed ridden with illness, he would compose and return to touring once his illnesses let up.In fact, Mozart was always composing, no matter where he went. One account from Mozart hairdresser states that Mozart carried a small notebook with him to Jot down ideas and notes as they came and went. To better understand the events of 1791 It Is Important to understand other critical events In Mozart life. On August 4, 1782, at the age of 26, Mozart married Constance Weber at SST. Stephens Cathedral In Vienna. Nine years later, Mozart died in 1791 at the age of 35. Before his death, Constance gave birth to their sixth child Franz Xavier Wolfgang.Franz, however, was only the second child, along with Karl, to revive; four died in infancy. After Mozart death, Constance married George Noises. Constance died in 1842. Unfortunately, Karl and Franz both died before having legitimate children to carry on the Mozart family name. Various sources recall the events in 1791 leading up to Mozart death. The story begins with Count Franz von Wallets, who commissioned a requiem mass for his wife Anna who died at age 20 at Chutzpahs Castle In Austria on February 14, 1791. Wallets often composed his own work, and he and his wife performed concerts for the people of his manor.Wallets was known for using ghost writers. He would commission works from famous composers and pay a good sum for them. He would take the complete work back to Chutzpah, recopy all the parts by hand and house claimed that they were always aware that Wallets was deceiving them, but played along for enjoyment. Annas death would require a large scale, glorious requiem mass. Naturally, Mozart help would be needed; he would be the ghostwriter. In the early summer of 1791 a gray messenger appeared at the Mozart apartment in Vienna with an unsigned letter.The author of the letter stated that a requiem mass was to be composed for a man who would remain anonymous, UT who would like a loved one to be remembered. The letter asked Mozart to respond and state a desired sum in writing; the messenger would respond shortly. After discussing the matter with his wife Constance, he decided to accept the offer. The messenger returned with the amount Mozart requested, a sum of around 30 ducats, and promised more money when the requiem was completed. The commissioner did not request any specific form the mass should take, and this became Mozart decision while composing.He chose the traditional form with the Dies Aria (Latin hymn sung in s Mass for the dead) as the Sequence. The writing of the Requiem was interrupted when Mozart traveled to Prague after the birth of his second son Franz Xavier Wolfgang Mozart. In Prague he performed his latest Opera La Clemency did Toto (written for the coronation of Emperor Leopold II). After returning in late September, Mozart continued writing. He had laid out ideas in a form called participle which are his brief sketches of music (referred to by Constance as little scraps of paper). In late September Mozart famous opera Die Kafuffle ¶et was completed and a success.Its completion gave Mozart the opportunity to work solely n the Requiem. Mozart worked night and day, focusing all of his energy on the Requiem. As the composing continued, Mozart grew more and more emotionally attached to the piece. Soon he became delusional and started to believe that he was writing this death mass for himself. In 1829, Constance recalled her husbands words. [Mozart said] l know I must die, he exclaimed six months before he actually did. Someone has given me aqua tiffany [poison] and has calculated the precise time of my death, for Inch they have ordered a Requiem, it is for myself I am writing this. On January 7, 792 the Sulzberger Intelligentsia first mentioned the requiem and Mozart mental state: Now Mozart had to write, which he did, often with tears in his eyes, always saying l am writing a Requiem for myself. Other accounts based on Constancys statements from Cholesterols biography in 1793 state that the requiem was getting on his over-sensitive nerves On November 20, Mozart was forced to retire to his bed following the early symptoms of his fatal illness. Though he decreased physically, Mozart work ethic did not; there Nas still an incomplete requiem to be finished.Mozart worked on the piece until his friends (singers from his opera), Mozart sang the alto parts of the requiem with his friends and family singing the other voice parts. They sang through to the Lachrymose, where Mozart had stopped composing. Th e last thing [Mozart] did was to imitate the kettledrums in his Requiem. Due to illness, Mozart body had become completely swollen. After the doctor performed a regular bleeding in hopes of lessening the swelling, he provided a cold compress for Mozart. At the time of his death, Mozart was not living in penury.He had had serious financial difficulties from 788 to 1790, but the last year of his life was exceptionally remunerative. He lived Nell, but not extravagantly, and despite some debts, his prospects for increasing Anneal were excellent. Shortly after, Mozart lost consciousness and died at one in the morning December 5, 1791 at the young age of 35. Mozart was buried at SST. Marx Cemetery in Vienna and placed in an unmarked grave. Constance never attended the funeral nor visited the gravesite. Shortly after Mozart death, the people of Vienna began circulating rumors that Analogs was the mysterious person who commissioned the piece.After studying teeters and records from 1791, Musicologists believe that Mozart and Constance were aware who their commissioner was and played along for the money. Mozart was in debt and tried to accept as many offers as he could. In fact, evidence indicates that Michael Bugbear (Mozart dear friend) might have helped Mozart get the Job. Bugbear lived in one of Walleyes buildings and worked in the building where Franz Anton Letting (the gray messenger and another friend of Mozart) worked as administrator and marketing manager of Walleyes factory. Mozart Notes Mozart is the primary composer of his Requiem.Of the finished score, Mozart completed the Introit and Keri as well as the Offertory. The two fugues Mozart developed in the Keri are original and Mozart expressed his intentions to S;smeary to repeat this section at the close of the mass. Mozart also composed a majority of the first five movements of the sequence up to the eighth measure of the Lachrymose. In the Confutation, the majority of the vocal parts are pure Mozart, as is the orchestration at the beginning of the piece. At measure 26 the top notes of each chord in the orchestra are his, and the rest have been added.In the Lachrymose the orchestration in the first measures are his and the top note in the chord from measures 3 through 8 are his. The voice parts are also authentic through to measure eight, where Mozart stopped abruptly and moved into the Offertory. Mozart also composed most of the Domino Jesus and Hosting. After his death, Mozart left notes and sketches with his ideas for other parts of the Requiem. He also left directions for exactly which instruments were to be included, but did not explain the notes each instrument would play, with the exception of the strings which were somewhat developed.Musicologists have studied the differences between Mozart and phrases are Mozart and which are S;gossamers by examining the grammatical mistakes S;smeary constantly makes. Nevertheless, Mozart is the primary composer; therefore a conductor should express the emotion Mozart was feeling Nile composing this piece. This feeling is gathered by examining what notes Mozart actually composed himself. While conducting this piece I will emphasize the vocal parts of the Confutation and the delicateness of the Lachrymose following Mozart directions, and taking into account S;gossamers completion.