The Setting of Charles Dickens’ Oliver Twist

Oliver Twist depicts a destitute London and how poor living conditions may cause criminal behavior in children. The novel centers around Oliver Twist, an orphan who lives in horrid places where innocent children are subjected to forced servitude and arduous child labor. Despite this, Oliver’s purity and innocence shine through, allowing him to triumph in the ultimate battle for survival. Oliver spends his early years in a town whose name is never stated by the author. It is noted that the farm workhouse is about seventy-five miles north of London as Oliver runs away from the undertaker and walks toward the city. When Oliver travels to London, he unwittingly joins a gang of young thieves and pickpockets led by Fagin, a despicable criminal. Dickens paints a vivid and largely accurate picture of this criminal underworld, complete with all its evil.

The main action of Oliver Twist alternates between two worlds, the slums of London and the Maylies’ happy home. The first world is both real and terrifying, while the other world is romanticized, almost dreamy in its safety and beauty. The city of London is depicted as crime-ridden. Because criminals are supposed to be nocturnal creatures, a significant proportion of the action in the story occurs after dark. Sunlight rarely enters their bleak existence, and when it does, it is often simply to mock, such as the morning when Nancy was murdered.

Dickens placed Oliver Twist in early nineteenth-century England, at a time when long-held beliefs and ideas were being questioned. It was the disregard for human values that fueled the spiritual degradation depicted so vividly in the surroundings.

The novel’s socioeconomic setting is portrayed on separate levels. The parochial world is revealed first. The inhabitants of this world, who are members of society’s lower-middle-class, are cold and insensitive to the feelings of the impoverished. In addition, the criminal underworld is revealed, and pickpockets and assassins have a place in this universe. Poverty pushes individuals to commit crimes, and violence is their tool to attain their goals.

Dickens also contrasts the filth and harshness of the workhouse and city slums with the tranquility and affection Oliver discovers at the Maylies’ home in the country. The city has been described as a labyrinth or a maze, and once someone is inside it, it is not easy to get out. Oliver’s country village, where he is so happy with Rose and Mrs. Maylie, is the polar opposite of the city.

In the book, Dickens claims that the countryside can “cure” some of the city’s negative consequences. Even in the country, though, Oliver remains vulnerable to Fagin’s criminal network. Further, the most immaculate and serene country house can be overrun by opportunistic city dwellers, who vanish like ghosts without leaving a trace. Dickens may be implying that the city is more powerful after all, and that its wicked representatives can permeate the countryside. At the same time, parts of country life appear to exist only on the city’s outskirts.

Many farmworkers were displaced by industrialization during this era, and most of them ended up in poverty due to poor working conditions and inadequate housing. In the vast slums inhabited by destitute workers, the extraordinary expansion in the urban population spawned overwhelming sanitation problems, overcrowding, poverty, and crime. In addition, Oliver Twist, the drama, is set against the 1834 New Poor Law, which created a series of workhouses for those unable to sustain themselves due to poverty or mental illness.

Common Age-Related Medical Expenses

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According to the United States Department of Health and Human Services, seniors spend nearly twice as much on health care as individuals aged 45 to 64. Since healthcare costs go up as earning potential goes down, seniors should consider future medical expenses as a key part of retirement planning.

There are several ways to defray out-of-pocket medical expenses, but retirees still may be on the hook for hundreds of thousands of dollars in healthcare costs. The increase in healthcare expenditure is related to increased vulnerability to medical emergencies. For example, bone mass and bone density decrease with age. This makes seniors at risk of serious injuries from falls. Older people also are more likely to require hospitalization from a fall.

Retirees also must continue to receive preventive care. Health guidelines recommend multiple screenings for people over 65, including more frequent eye exams and physicals. Spending on outpatient treatment and other services sharply increases when individuals enter their 70s.

Increasing medical costs are partially due to higher rates of chronic illness among seniors. The Centers for Disease Control and Prevention (CDC) estimates that nearly 80 percent of people over 55 have at least one chronic illness. More than half have at least two chronic conditions.

Even with Medicare and other insurance plans, treating chronic illnesses is expensive. Medicare covers only 80 percent of medical costs, which leaves retirees liable for the other 20 percent. Many of these conditions require expensive ongoing prescriptions. The CDC lists cardiovascular ailments, high blood pressure, cancer, and diabetes as the most expensive conditions for seniors.

Many seniors also require short-term hospital stays for acute and chronic conditions. Some patients may be required to undergo medical supervision after surgery. In other cases, patients may need help with everyday tasks while they recover.

A short-term stay in a skilled nursing facility can cost thousands of dollars. Medicare does cover expenses related to rehabilitation after a medical procedure but only for stays of fewer than 100 days. Further, Medicare covers only a portion of costs after the first 20 days.

One of the largest post-retirement healthcare expenditures is long-term care. Individuals may need long-term care when their personal and health needs require around-the-clock support. Long-term care can take place at home or in a facility.

Two-thirds of people over 65 will need long-term care at some point in their lives. A fifth of these individuals may need care for more than five years. On average, long-term care ranges from $4,500 to $8,500 per month. Much of this amount is not Medicare eligible.

There are several ways seniors and their loved ones can prepare for rising health costs. Medicare supplement policies are an option, but they also have ongoing premiums and copays.

Individuals can start health savings accounts during their working years. While this option is available only to people with high-deductible insurance plans, people over 55 can contribute up to $4,550 per year. Taking out a long-term health insurance policy before reaching 65 can help secure financial protection for a reasonable premium.

The NJCPA Encourages the New Jersey Governor to Assent Bill

Having been a public accountant for close to three decades now, Richard Belott has significant experience in the industry. In 1992, he set up his accounting firm in New Jersey with his wife, Linda Belott. Richard Belott is a member of various professional accounting organizations, one of which is the New Jersey Society of Certified Public Accountants (NJSCPA).

Founded in 1898, NJSCPA is a long-standing organization protecting the interests of certified public accountants in new Jersey. It offers over 500 continuing education programs to further increase the skill and value of its members in the accounting industry and workforce. The organization also represents accountants’ interests before regulatory bodies and lawmakers.

In a statement by its executive director, Ralph Albert Thomas, released on the 18th of August, 2021, the NJCPA has encouraged the governor of New Jersey, Phil Murphy, to sign a New Jersey State legislature bill. This legislation would create financial empowerment centers to improve people’s financial literacy in certain low-income communities in New Jersey.

Parents Are Planning to Use Student Loan to Fund College Fees

A certified public accountant based in New Jersey, Richard Belott owns and operates Belott & Company CPAs, LLC, which he founded in 1992. At the firm, Richard Belott provides clients and elders with various financial consulting services, including college savings plans.

Borrowing student and parent loans are an essential part of many families’ financial plan regarding impending education expenditures on their child’s college. According to a new nationwide College Ave Student Loans poll of 1,045 parents conducted by Barnes & Noble College Insights, roughly 55 percent of families will utilize student loans.

Around half of those anticipating their child to borrow expect to get further loans (ranging from $10,000 to $40,000) themselves. 23 percent of parents plan to borrow $75,000 or above (through a parent loan) to fund a college degree. Meanwhile, eighty-five percent of parents who contribute financially to their children’s college education strongly believe that a college degree is more vital than ever. Perhaps this is the reason so many parents polled are prepared to bear full responsibility for their child’s education loan.

Membership Benefits with the AICPA

A certified public accountant (CPA) based in Chatham, New Jersey, Richard Belott joined Belott & Company CPAs LLC in 1992 and received a 25-year service award from the state society of CPAs in 2019. Richard Belott maintains membership in professional organizations such as the American Institute of Certified Public Accountants (AICPA).

Comprising more than 400,000 CPAs working around the world, the AICPA develops standards, provides educational guidance, and advocates before legislative bodies. Membership benefits include powerful networking opportunities at the annual AICPA conference and through volunteer work with AICPA governing Council and various boards and panels.

AICPA members can access more than 300 self-study courses and virtual conferences aimed at knowledge enhancement and career development, as well as an online career center that helps connect recruiters and job seekers. Additionally, AICPA membership offers steep discounts on products and services such as electronics, rental cars, and appliances. For more information on AICPA membership benefits, visit www.aicpa.org.

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