Term Vs Whole Life Essays - Life Insurance, Whole Life Insurance

Term Vs Whole Life TERM VS WHOLE LIFE In case you're similar to the vast majority, there's nothing more essential to you than your family. As troublesome for what it's worth for you to envision not being there for them, it's a hazard we as a whole face. To help be certain your friends and family have the money related insurance they'll require, it's essential to think about the unforeseen, however to anticipate it. On the off chance that you were gone, who might accommodate your friends and family? Who might help... Give money to family pay? Spread the cost of bringing up your youngsters? Pay off your home loan? Pay off your obligations? Disaster protection can help give your family the security they need while giving you with genuine feelings of serenity. It can help give proceeding with salary and help pay the bills- - keeping your family's deepest desires alive significantly after your demise. or then again to see whether you're affirmed for up to $150,000 of prompt 10-year term life protection that could spare you up to 30%.* Coverage begins today with no clinical test if you're approved.** Or on the other hand, get more data on other disaster protection inclusion offered through U.S. Bancorp Protection Services: in higher inclusion sums for most extreme inclusion at the least premiums that can be intended for long haul security while giving adaptability in wording of premium installments and money esteem gathering. Applying for 10-and 20-year endorsed term and all inclusive disaster protection includes an meet and a clinical test (counting blood and pee tests). Term Insurance Points of interest At first, premiums are lower than those for different types of entire disaster protection, accordingly permitting you to buy higher measures of protection inclusion. It is useful for covering explicit requirements that will vanish in time, for example, contracts and different advances. Hindrances Premiums will increment as you become more seasoned and toward the finish of the term of the strategy you buy, for example, multi year term. In the eleventh year the premiums will increment. In the end, inclusion may pass because of the cost of the arrangement the more established you do get.Generally, the arrangement doesn't have money esteem. Perpetual Insurance Points of interest For whatever length of time that the fundamental premiums are paid, the disaster protection strategy is destined to be there for as long as you can remember. Your premium can be fixed or adaptable to meet your very own needs. The arrangement amasses a money esteem that you can obtain against. Credits would should be taken care of with intrigue or your recipients will get a decreased estimation of advantage in the event that you die rashly. In the event that you at any point expected to have your premiums paid for with you existing money esteem, you can. In the event that you give up your approach, the money worth will be come back to you. Burdens The required premiums may make it to costly to buy the essential measure of protection you and your family needs. It might cost more than term protection if you don't keep the arrangement long haul. I figure I would take the entire life coverage since it will conform to your individual need as the term wont it is only a fixed rate yet the entire life likewise has a fixed rate however, it will fluxuate to accommodate your own needs at the time that your in that would be the reason I pick entire life over term life. TERM VS WHOLE LIFE In case you're similar to a great many people, there's nothing more essential to you than your family. As troublesome all things considered for you to envision not being there for them, it's a hazard we as a whole face. To help be certain your friends and family have the money related insurance they'll require, it's critical to think about the unforeseen, yet to anticipate it. On the off chance that you were gone, who might accommodate your friends and family? Who might help... Give money to family pay? Spread the cost of bringing up your youngsters? Pay off your home loan? Pay off your obligations? Extra security can help give your family the assurance they need while giving you with true serenity. It can help give proceeding with salary and help pay the bills- - keeping your family's deepest desires alive significantly after your demise. or on the other hand to see whether you're affirmed for up to $150,000 of prompt 10-year term life protection that could spare you up to 30%.* Coverage begins today with no clinical test if you're approved.** Or then again, get more data on other disaster protection inclusion offered through U.S. Bancorp Protection Services: in higher inclusion sums for most extreme

Free Essays - A Lesson Before Dying :: Lesson Before Dying Essays

Ganes, Earnest J. A Lesson Before Dying. New York: Vintage Books  1993. Kind: Novel 256 pages Setting: The story is set in a little Cajun Louisiana town in the 1940’s. The setting in this story is huge on the grounds that, the entire story is about how a youthful dark kid is dealt with unjustifiably and condemned to death on account of something he didn't do. It additionally manages the feelings that this dark kid faces since he has been dealt with unreasonably by the white individuals. Significant Characters: Jefferson, dark kid who is blamed for a wrongdoing and condemned to death; Grant Wiggons, instructor sent to support Jefferson. After he proceeded to acquire a higher education, Grant Wiggins returns to live with his grandma. Being that he is an informed individual, Grant was chosen by his grandma to attempt to get Jefferson to understand that he was a man and not a creature like the white individuals had persuaded. All through the whole novel, Grant is doing combating this thought in his mind since he doesn’t feel that even he comprehends what it is to take care of business. He doesn’t accept that he is the correct individual to converse with Jefferson. Yet, before the finish of the novel, he makes sense of what it is to take care of business. Minor Characters: Miss Emma is Jefferson’s grandma. She is the person who had the entire thought of Grant going up to the prison and conversing with Jefferson, giving him that he is a man. Tante Lou is Grant’s auntie. She is the individual who raised Grant to be the acceptable, kind individual that he is. She is likewise the person who convinced Grant to converse with Jefferson. Vivian is Grant’s sweetheart; she is Grant’s consolation. Whatever issues he has, he generally converses with her about them and she causes him to feel better, and encourages him through them. Rundown: This story is about bigotry in the south and how it influences the individuals it concerns. It begins with Jefferson being condemned to death for a wrongdoing that he didn't submit. He was in an unlucky spot, and in light of the fact that he was dark, they accepted he did it. Award Wiggins is advised to go up to the prison and persuade Jefferson that he is a man. From the start he doesn’t realize how to make Jefferson see that he is a man, yet through visiting Jefferson, conversing with Vivian and seeing things around the network, he can arrive at Jefferson, persuade him that he was a man.

To-Do List for Regular Action Applicants

To-Do List for Regular Action Applicants If you are applying to MIT this year, heres an update on what you might want to be thinking about: If you havent yet done so, set up a MyMIT application portal account. Schedule your interview now. The deadline (December 10) to schedule your interview is fast approaching! You can find the contact information for your interviewer (Educational Counselor) on the MyMIT website. [If your interview has been waived, dont worry about it, we understand that we cant be everywhere!] Even if you are applying elsewhere via an early decision or single choice early action program, you should still schedule your interview now, since the interview scheduling deadline falls before most schools notify. Having an interview with MIT does not violate early agreements. If you qualify for a fee waiver, please request one. Requesting a fee waiver does not negatively impact your application. And if you qualify for a fee waiver, your family needs the $65 more than we do. If you are interested in our music community or our arts community, consider sending in some of your work. If you are interested in playing on a varsity sports team at MIT, please contact the appropriate coach or fill out the form. And if youre interested in ROTC, please contact the appropriate branch (Army Navy Air Force). Be sure your standardized test scores have been sent to MIT. Our College Board Code (for SAT and TOEFL) is 3514 and our ACT Code is 1858. And if you havent yet completed your standardized testing (especially SAT Subject Tests), now is a great time to register for the January administration of the tests, which is the last acceptable testing date for MIT. Be sure to designate MIT (3514) as a recipient of the scores. If you havent yet given your teachers their MIT recommendation forms, what are you waiting for? Teachers get very busy this time of year, respect their time! Try to get your application components to us in advance of the January 1 deadline, if you can. It will save you and us some angst in the long run. [For example, submitting your Part 1 now isnt a bad idea] As the year draws to a close, start talking with your parents about financial aid applications. For more information about this, check out the Financial Aid website and also Daniels blog. I hope youre having a great senior year so far!

Online Shopping Reviewers Are Not All That They Seem

With the recent shift to web based communication, everything, including shopping, has gone online. With online shopping, consumers experience being in the comfort of their own home and they do not have to face bustling crowds. On the contrary, though, online shops allow for customer reviews on their items. The problem that these online stores are facing is that fake users are commenting on items to either boost or lower the ratings. Seventy percent of people trust online reviews (Fake Online Reviews). Online superstores like Amazon.com are popular because of their convenience. Amazon can post items themselves or independent stores can use their website to sell items. Since Amazon sells millions of items online each year, users have†¦show more content†¦If the review sounds more like a press release or a legal document, it probably is not a legitimate one. The main point of this article by Ngo is that reviews that fall between are more reliable. People that really did purc hase and use an item are more likely to talk about the reliability of an item and the overall value of the item Although one or two fake reviews will not affect the overall rating of an item, many of them can have a negative affect. Software developers have created programs to stop these fake reviewers from posting comments online. These programs have been programmed to tell the difference between the language used in a fake review and a legitimate one. Researchers sorted 2400 reviews written online and put them in categories of â€Å"spam, borderline spam, or non spam† (Marks). Researchers at Cornell University have attempted to create software that does the same thing. They found 400 false hotel reviews and 400 truthful ones and entered them in a database. The program’s job was to spot the difference between each review. The program got answered correctly 90 percent of the time. The average person can only spot the difference about 50 percent of the time. Creators of this software made it to work the same as plagiarism software. The creators also found that when a review is false, the review contains more verbs than a real one. The Cornell software developers’ next job is to try the softwareShow MoreRelatedThe End Of Solitude By William Deresiewicz1002 Words   |  5 PagesWriting Assignment # 1 â€Å"The End of Solitude† by William Deresiewicz Summary William Deresiewicz is a contemporary writer, reviewer, and literary critic. He taught at Yale University from 1998 to 2008. This essay, The End of Solitude, that Deresiewicz wrote, explains with the mixture of new technology it is becoming almost unheard of for people to be alone. He also goes on explaining that newer generations have no aspiration to be alone because they are afraid toRead MoreCompany Overview And Situation Analysis Of Tesla s Mission Statement1216 Words   |  5 Pagesconsidering building their own â€Å"giga plant† to start producing their own batteries and becoming their own supplier so that they can have control over the market price and their operating expenses (Putros, 2014). Tesla’s current market price is at $241 and seems to be growing strong as it grew from $181 in March. Tesla’s business portfolio consists of vehicles with a wide range of pricing. They started with the Roadster which was a luxurious sports car which had a high price, low volume strategy. Then theyRead MoreThe First Task Of Either A Writer Or A Critical Book Reviewer1735 Words   |  7 Pagescritical book reviewer is to imagine the audience for whom the work is intended. For us at Interface, that is those interested in the impact of the Internet. 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Amazon Gold Box Amazon Gold Box is a center of the best deals and bargains on Amazon, all brought convenientlyRead MoreThe Influence of Online Product Recommendations on Consumers Online Choices9028 Words   |  37 PagesRetailing 80 (2004) 159–169 The inï ¬â€šuence of online product recommendations on consumers’ online choices Sylvain Senecal a,âˆâ€" , Jacques Nantel a,1 a HEC Montreal, University of Montreal, 3000 Chemin de la Cote-Sainte-Catherine, Montreal, Que., Canada H3T 2A7 Abstract This study investigates consumers’ usage of online recommendation sources and their inï ¬â€šuence on online product choices. A 3 (websites) Ãâ€" 4 (recommendation sources) Ãâ€" 2 (products) online experiment was conducted with 487 subjectsRead MoreIntroduction : What Are Yelp?2436 Words   |  10 PagesIntroduction: What is Yelp? Yelp is mostly known for their business online reviews. It originally started as an online website and has grown into an application based for user generated reviews of local business and communities. Customers can use yelp for a variety of reasons other than writing reviews such as finding events, business openings, and communicate with other yelpers. â€Å"Yelpers† is a coined name given to users that write reviews and communicate with one another through the website andRead MoreOnline Voting For E Democracy3835 Words   |  16 Pages ONLINE VOTING FOR E-DEMOCRACY IN DEVELOPING COUNTRIES: IS IT POSSIBLE? Julius Jillbert Hasanuddin University (UNHAS) Indonesia Mustarum Musaruddin Haluoleo University (UNHALU) Indonesia ABSTRACT Issues such as reliability, security and affordability of voting procedures might be seen as factors that can stimulate enthusiasm upon democracy system among potential voters and increase participation. This paper argue that online voting may play important role on enhancing securityRead MoreAmazon vs Wallmart2716 Words   |  11 PagesAnother one is e-tailer model. It is close to the typical bricks-and-mortar storefront, except that customers only need to connect to the Internet to check their items and place an order. The value scheme of e-tailers is to provide convenient, low-cost shopping 24/7, offering large assortments and consumer choice. Some e-tailers, such as Walmart.com, indicated to as â€Å"bricks-and-clicks,† are divisions of existing physical stores and have the same products. Others, however, exist only in the virtual worldRead MoreAmazon. Case Study4926 Words   |  20 Pagesour customers low prices, convenience, and a wide selection of merc handise.† The vision is still to offer â€Å"Earth’s biggest selection and to be Earth’s most customer-centric company. Consider how these core marketing messages summarising the Amazon online value proposition are communicated both on-site and through offline communications. Of course, achieving customer loyalty and repeat purchases has been key to Amazon’s success. Many dot-coms failed because they succeeded in achieving awareness, butRead MoreBranding in Digital Age4372 Words   |  18 Pagesthe Digital Age by David C. Edelman †¢ You’re Spending Your Money in All the Wrong Places Included with this full-text Harvard Business Review article: 1 Article Summary Idea in Brief—the core idea 2 Branding in the Digital Age: You’re Spending Your Money in All the Wrong Places Reprint R1012C SPOTLIGHT ON SOCIAL MEDIA AND THE NEW RULES OF BRANDING Branding in the Digital Age You’re Spending Your Money in All the Wrong Places Idea in Brief Consumers today connect with brands in

Self Reflection Self-Reflection - 1436 Words

Self-Reflection This spring semester I have evolved as a writer and reader. This course has refreshed my memory with basic essential writing techniques and it has made me more proficient when it comes to writing. When it came to writing essays, I use to be so scared to turn them in. I was never a good writer and composing an essay was usually extremely tough. I would have multiple people proofread my essays, but I still doubted my work. Now when it comes to writing essays I feel more confident in my work, I have less grammatical errors, and I don’t feel the need to have multiple people proofread it. It’s nice not having to rely on people to check my work and going back several times to fix the errors that were made. Now I have†¦show more content†¦I began to incorporate these characteristics into my life and soon made them my own. Now when it comes to school and life I look forward to challenging work because I will learn the most from those situations. When it comes to school assignments that I don’t do as well on, I reflect on my work and begin to think what I could improve so I can receive a better grade on the next assignment. In personal life situations where I had made a mistake, I look back at the problem and analyze what I could have done differently. I learn from those mistakes so history doesn’t repeat itself and I’m prepared for the next obstacle that arrives. When I’m faced with a challenge I keep a positive attitude and know, if I work hard I will be rewarded, maybe not physically but mentally, because I had learned something that has helped me grow as a person. Dweck’s theory has had an impact on my lifestyle and the way I view things because having a growth mindset has made me a better person academically and mentally. Throughout this semester I have learned a lot when it came to writing like being more specific, verb tense, types of sentences, grammar, and comma usage. I struggled with these types of english problems the most. Comma usage was my biggest problem. I had a hard time placing commas in the right places and refraining from making my sentences and paragraphs sound like huge run on sentences. In this example â€Å"Since there is only one girl in Perrault’s story thatShow MoreRelatedReflection Of Self Reflection And Self Restraint962 Words   |  4 Pagesthe new moon. This month is fundamentally a time where followers of the Islamic give up food, drinks, sex, smoking etc. for the main purpose of self reflection and self restraint. Prominent practices during Ramadan include, sawm, praying and reciting the Quran. All of the previously mentioned practices are believed to connect to spiritual reflection, self improvement and increased worship. Fasting during the month of Ramadan is both a duty and a great worship. The fast otherwise known as sawm whichRead MoreReflection On Self Reflection809 Words   |  4 PagesSelf-Reflection The purpose of this paper is to explain how I will plan to implement effective choices in improving a change in personal behavior and the improvement tours my fitness attitude. Wellness has a broader definition, than health, which it’s definition is the absence of disease and wellness is defined as the optimal health and vitality to living a healthy and fulfilling life. Also, is a process in which we become aware and we make choices to a better lifestyle. Maintaining an excellentRead MoreSelf Reflection1245 Words   |  5 Pagescommunication skills, it will enable me to learn more about myself which in turn can positively influence my relationships in both personal and professional settings. There are times I am challenged with my own self-concept and perception of what I convey versus how it is perceived and interpreted by others. 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As weak individuals living in a controlling society we tend to examine our own personal qualities and the depiction that others have for us, and morph o urselvesRead MoreSelf Reflection1292 Words   |  6 PagesIndividual Reflection Name: XUDONG SHI ID: 3845684 Victoria University Table of Contents Presentation 4 Describe 4 Interpret 4 Evaluate 4 Plan 4 Project 5 Describe 5 Interpret 5 Evaluate 5 Plan 5 Team Performance 6 Describe 6 Interpret 6 Evaluate 6 Plan 6 Individual Behaviour 7 Describe 7 Evaluate 7 Interpret 7 Plan 7 Reference List 8 Appendix 1 9 Appendix 2 10 Presentation Describe During the presentation, the team adapted the demonstrationRead MoreSelf Reflection1851 Words   |  8 PagesEarly in the education process in becoming a clinician, I learned that understanding my own values and morals as well as my own biases are important in order to clearly conceptualize a client. 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The Hidden Facts on Photography Essay Topics

The Hidden Facts on Photography Essay Topics The Advantages of Photography Essay Topics One other important aspect ought to be the choice to represent the narrative in colour or monochrome. If you see something particularly and think that it might be a very good photo opportunity, do your best not to assess the situation too much, rather trust your instincts and see the way that it unfolds. Make your very first order at the moment and find the help you need whenever possible. Even if people weren't involved as subjects, you are inclined to have personal feelings toward images that the overall public may not find the ability behind. You might wind up trashing everything, or you can not. Have a good idea of what you wish to attain, and create it as though you were teaching somebody else. You can make your own detective story in pictures if you've got two or three friends who'd love to act a bit. Even in case you don't have a human subject to portray, using personification can stay a great guide to stop from losing course. The ultimate goal of the photographic essay is to get a set of images that tell various details of the story, but visually do the job together around a central narrative. If you believe a photo essay is something which you may want to try, here are a number of ideas to hopefully get you going. Perhaps your original idea for your photographic essay was supposed to post it upon your blog. For instance, if you're putting a story together for a magazine it is far better be acquainted with its contents to gauge the way your essay might fit. Photo projects provide an amazing means to try out something new and will be able to help you escape from a rut. Photographs are sometimes a good source of entertainment and a type of art, but when it has to do with portraying reality, perhaps it doesn't succeed all of the moment. There have been many incidences in the past where they have been faked or misinterpreted creating havoc situation. For instance, in the area of commerce, a photograph can play a vital part in influencing consumers or clients or forming the standing of a specific brand or company. There, you only ought to mention ones you've already talked about. There will be many jobs and careers which people do you have zero idea about. As it happens, to be in a position to capture the moment, one needs to master a range of techniques and digital programs. Therefore, if you're planning some underwater photography on the following vacation, our trained associates will be able to help you find exactly the most suitable DSLR or submergible kit. Transformation is among the most used photo essay topics, and that's as it is a terrific way to demonstrate change. The topic may supply you with freedom. Understanding constraint is truly best to know in regards to focus. The Ultimate Photography Essay Topics Trick The region is also famous for having an extremely dark sky, making it well suited for night sky photography. The subject can figure out whether or not your photos are deemed interesting. Below you'll discover some of the most eye-catching photographs we ran on the website in the previous calendar year. For example, a photograph of a lovely beach isn't going to demonstrate the litter present behind the camera. The photo below was taken on spot metering mode, but if you should take the exact same photo utilizing evaluative mode, you would end up getting a totally different exposure. First, the images ought to be emotive to get some sort of emotional effect on your viewer. Frequently, a photograph is an effective weapon to influence groups of individuals. When speaking about photographs, an image may be partly true but it's only part of the entire truth and a snapshot of the larger picture. The facet of photography itself can be broken up into various subjects. The art of photography occupies the equal place in keeping with the other sorts of art. If you're interested in learning about photography, you're likely going to find what you want here. Social media photography is the action of sharing your images on social networking platforms. Photography immortalized the absolute most intriguing things of our life. It is a fun and fascinating process. It plays a very important role in our lives. Travel photography is the action of documenting an area or location through the use of photography.

Finding Yourself free essay sample

Here is a world which beautiful and terrible things happen. A world which has life on it. So what is life? Life is the existence as a human being. It is being alive, the ability to function and grow. Grow in the sense that it is to experience misery, loneliness, suffering, happiness and all other feelings you’ve thought you will never experience. In other words, life is full of many unpredictable things. â€Å"What is the meaning my life?† I remember the time when I asked myself the same question before. At that time, I was alone and thinking also who and what am I after all? Who am I after many years from now? And who am I before dying? Condone me for uttering death because we really can’t deny that there will be and there will always be death after life. I wonder why great people go into their graves with their greatness still in them. We will write a custom essay sample on Finding Yourself or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page They are not just great because they are famous or what. It’s because they died great because they found their selves. They fulfilled their desires or ambitions. They showed their greatness to people who idolizes them. They proved their selves. That made me realize that life is worthless if you haven’t fulfilled what you want. I also believe in what Mahatma Gandhi, he said that â€Å"where there is love, there is life.† Yah that’s true. The word love is a too broad term. Some say that if you are in loved. Things are brighter, things seems clearer and there is a euphoric feeling of contentment. Think about how you feel when you are in love. You feel unexplainable joy in yourself. To know that someone adores you or loves you unconditionally, seems to make everything alright. You feel like you have everything you wanted to. You feel the contentment and satisfaction†¦ and that’s what life should feel like. Life is so meaningful with the presence of love. I think that now, I must begin to look, look for the things I can do that will put me to some commitment in life. That will enable me to do some things that uses my capabilities that I have and also to feel my contentment, satisfaction and especially happiness. We are what we think we are. We are as old as we feel, as rich as our imagination, as strong as our faith, and as weak as our fears. It is these things that make up life for us. It is our mind, it is us, it is our choices that makes the world and our minds are exactly what we make them. The only thing is that there is no one answer or exact answer to what life’s meaning, because its different for everyone. The meaning of life is to achieve whatever it is we set ourselves to do in our short time on this world.There will always be those who search and search for straight answers but most likely answers they will never find. Whatever your passion, whatever your desire or ambition, fulfill it with your greatest potential and you will find the meaning of your life.

Residual welfare model in Hong Kong Essay Example

Residual welfare model in Hong Kong Paper Residual position of societal public assistance Social public assistance is a important issue in a society. The societal issues allow us cognize which public assistance should supply and to what extent the public assistance can be provided. In fact, the ways to supply societal public assistance may change between different societies. The societal public assistance system in Hong Kong is following the residuary public assistance theoretical account. Hong Kong has followed the large market, little authorities political orientation for many old ages. It is based on the thought of the residuary public assistance theoretical account that there is no demand for the authorities to prosecute in the distribution procedure of societal public assistance. This is because people can decide the jobs themselves. The needy can happen support through the market mechanism, household or the non-profit-making organisations. The authorities will merely supply support to people when the needy truly can’t solve the jobs themselves. Therefore, harmonizing to the large market, little authorities rule, the authorities holds the belief that people have the ability to acquire rid of the troubles. The authorities is the last and impermanent resort of the needy. The authorities can supply the immediate support to the needy. However, in the long term, the needy have to happen ways to assist themselves. We will write a custom essay sample on Residual welfare model in Hong Kong specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Residual welfare model in Hong Kong specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Residual welfare model in Hong Kong specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Due to the residuary public assistance theoretical account, the policies in Hong Kong are non cosmopolitan. The societal aids in Hong Kong normally have the agencies trial because the authorities merely will assist people who are under a really hapless fiscal or populating status. I will utilize the instruction and lodging facets in order to demo that the policies in Hong Kong demonstrate the political orientation of residuary public assistance theoretical account. For instruction, the authorities provides support in the signifier of loans and grants for pupils who live in the low income household. The pupils might acquire full grants of their tuition fee but they should undergo the agencies test foremost. Besides, in order to protect people’s basic life demand, the authorities launches the public lodging strategy. The authorities provides low-cost lodging for low-income occupants. If people want to use for the public house, they should go through the agencies trial in the public lodging strategy. From the policies of instruction and public lodging, we can cognize that Hong Kong is under the residuary public assistance theoretical account because every policies are non cosmopolitan and they will put some demands for people to achieve which this is fit t he beliefs of residuary public assistance theoretical account. Therefore, the individualistic manner and ‘positive non- interventionism’ are regarded as two chief characteristics of Hong Kong’s policy. Despite the instruction and lodging policies, the retirement protection system besides demonstrate the thoughts of residuary public assistance theoretical account. The aging population job is going more serious in Hong Kong. The aging population of aged 65 and above is acquiring increasing from 12 % to 17 % in 2002 to 2012 ( Census and Statistics Department, 2013 ) . Hong Kong is sing the aging jobs over the past decennary. In my undermentioned portion, I will concentrate on the retirement protection policy within the aged public assistance system. Three-pillar retirement protection attack In order to cover with the aging jobs, the World Bank implements the multi-pillar-model. There will be three pillar attacks toward the retirement protection system when the World Bank first times to establish the strategy. The Pillar I is a public retributive and defined-benefit system. It is so called the ‘pay as you go’ attack. Besides, the Pillar II is a private, funded and defined part system. Besides, the Pillar III is a private, voluntary and auxiliary defined part system ( Roller, 2012 ) . The two more pillars were added in the theoretical accounts subsequently which are the Zero Pillar and Pillar IV. The Zero pillar purposes to protect people’s basic demand. It holds the belief that everything should undergo the procedure of agencies trial. It is besides related to the Pillar I because both of them are wishing to relieve poorness. Both of them believe that all citizens should prosecute in the public assistance procedure ( Castells, 2010 ) . Furthermore, Pi llar IV is speaking about some support from household which might non be related to the money ( Chou, 2009 ) . Even though the theoretical account of the World Bank has five pillars today, Hong Kong is still following a three-pillar attack toward the retirement protection policy. First, the Zero pillar exists in Hong Kong which aims to supply the basic demand to the aged. In Hong Kong, when the aged meet the age demand, they can have the CSSA and Old Age Allowance ( OAA ) . The CSSA and OAA can move as trim money for the aged to carry through their day-to-day life. Second, Hong Kong has the Pillar II which the illustration is the MPF. If you get a occupation, there is no uncertainty that every employee has to prosecute in the MPF. Third, Hong Kong has the Pillar III which is related to the voluntary private nest eggs ( e†ºÃ‚ ·e?Zei2011 ) . In order to hold a better life as a retired individual, they might utilize their ain nest eggs to back up their day-to-day life. For the retirement protection policy, we can cognize that the authorities is obeying the regulation of ‘big market, little authorities ’ . It means that the authorities and the other establishments besides have the duty toward the retirement protection policy. The Means trials are the primary method for finding eligibility when using the CSSA and Old Age Allowance. Selective hard currency aids are reserved for people defined within the context of the policy as in demand. Means testing is used to place people with limited resources. This selective procedure determines the eligibility for public assistance benefits or services so it shows the thoughts of residuary public assistance theoretical account. The authorities uses the three pillars approach in order to supply the basic demand to the aged. However, it is non job free with the three pillars approach. Hong Kong Council of Social Service finished a statistic about aging population last twelvemonth. There are a 3rd of people aged 65 and over are populating under poorness ( e†ºÃ‚ ·e?Zei2011 ) . They are regarded as really hapless people among the universe. Therefore, people argue that if the CSSA and Old Age Allowance which the aged rely on can truly supply the basic necessities for them. Besides, people besides argue that the MPF covers merely working people. Housewifes and others who are non employed are non covered by the MPF. There is small trouble in understanding that people will experience uncertainty that how the retirement protection of the homemakers is. Obviously, the bing retirement protection policy is seeking to undertake the fiscal jobs of the aged. When the aged truly necessitate aid, the authorities can supply them with the basic demand. The study from the Census and Statistics Department shows that the aging population will be increasing rapidly in the coming old ages. The aged aged 65 and above will increase from the 1.0 million last twelvemonth to 2.6 million in 2041. This statistic suggests that by 2041, around one in three individuals will be seniors ( Census and Statistics Department, 2013 ) . Therefore, due to the restrictions in the retirement protection policy I mentioned, there is no uncertainty that the authorities should do betterment toward the retirement protection policy. Experiences from Taiwan Taiwan is the same as Hong Kong that it besides has the aging population and with the similar geographic background as Hong Kong. As the retirement protection policy in Taiwan is rather good developed, it can be Hong Kong’s mention when bettering the retirement protection policy. Taiwan follows the five-pillar attacks when covering with the aged policy. I will concentrate on speaking about the National Pension Program in Taiwan because the other retirement protection policies in Taiwan are about the same as other states. The National Pension Program purposes to supply the aged with the basic demands in their day-to-day life. For the seniors who want to use for the National Pension Program, they ought to undergo the procedure of agencies trial and there is a residence demand that they have to go through. In order to keep the sustainability of the National Pension Program, the authorities should non pay the money to the seniors in one clip. They should pay the money measure by measure, such as monthly ( Roller, 2012 ) . Urge for a cosmopolitan retirement protection strategy Hong Kong and Taiwan have the similarities in the reform procedure. However, their pension reform is really different. Taiwan implements the National Pension Program successfully whereas Hong Kong merely focuses on the CSSA and Old Age Allowance. With mention in Taiwan, some people suggest that Hong Kong ought to spread out its retirement protection policy which is to present a retirement protection strategy which is for all citizens. This strategy is subsequently explained by Professor Nelson Chow Wing-sun. He proposed to put up a cosmopolitan retirement protection strategy in Hong Kong. In the strategy, HK $ 3,000 monthly pension will be given to people aged 65 and above ( a‘ °- °i2013 i?†° . In order to keep the stableness of the strategy, the employers and employees need to lend and the authorities would be responsible for some of the fund. This new strategy eliminates means trials and other administrative processs because age standards are the lone eligibility to make up ones mind if you can acquire the pension or non. I think that the retirement protection strategy proposed by Professor Nelson Chow has the same significance as the National Pension Program in Taiwan because both of them concentrate on the people who are non in the labour market. They all want to protect these people from being hapless. For the bing three pillar attack, I feel uncertainty of their effectivity in run intoing the demands of the aged. With the low rates of return, the MPF can’t support people’s day-to-day life. Therefore, if the senior merely rely on the MPF system, it is non rational for them. Due to the defect of the three pillar attack, I have a pursuit for a cosmopolitan retirement protection strategy as what Professor Nelson Chow proposed. However, based on Professor Chow’s proposal on cosmopolitan retirement protection strategy, I think there should add the means trial into the strategy. The purpose of the cosmopolitan retirement protection strategy is to relieve aged poorness. Therefore, the hapless people serve foremost. We should aim on those with a echt demand and some signifier of agencies proving is necessary. There is no uncertainty that the aged deserve a decent and better retirement. If we have the means-tested in the cosmopolitan retirement protection strategy, some people can’t have the public pension due to their income degree. Therefore, people might reason that it is non a retirement protection for all citizens so it is unjust. However, if there is no means trial and everyone aged 65 or above can have the pension, it might damage the economic development of Hong Kong and increase load on employers. Furthermore, any retirement protection strategy without agencies trial is sing as ‘welfarism’ . This might do the financially impracticable for the authorities to shoulder the load of a cosmopolitan retirement protection strategy over clip. Therefore, in order to do a good usage of the cosmopolitan retirement protection strategy, I suggest that there should include a means trial in Professor Nelson Chow’s proposal which is the same as the Taiwan’s National Pension Program. There is non a new thing when speaking about the ripening job. Hong Kong and Taiwan have many similar features toward the aged policy. However, Taiwan developed its retirement protection policies at a faster gait. Therefore, Hong Kong should larn from the Taiwan’s National Pension Program that to implement the agencies trial in the cosmopolitan retirement protection strategy. The advantage of the strategy is that it provides the protection to the non-employees. For the bing retirement policy, such as the MPF system, it excludes the protection of the homemakers. Thu, a cosmopolitan retirement protection strategy can complement this job. Besides, for some people, they argue that the fiscal force per unit area will be mounted on working people under the cosmopolitan retirement protection strategy because they have to bear the cost of the strategy. Therefore, in order to do a good usage of the fund, the cosmopolitan retirement protection strategy should include the means trial. Furthermore, the agencies test can move as a resource distribution. This is because the destitute seniors can be found and they can acquire aid from the authorities. Improvement of the three pillar attack Many people hold the belief that it is a immense concern for the population development that one in three people will be aged 65 old ages old and above in the coming old ages. This phenomenon threatens the economic growing because there will be more people but less that are working. Therefore, fewer people will lend to the economic system. If we have more aged people in Hong Kong, it is a must to reexamine the retirement protection policy. For our hereafter planning of retirement protection system, Professor Nelson Chow’s cosmopolitan retirement protection strategy can be one of the steps. We can’t happen a theoretical account reply to state us how to put up a good retirement protection policy due to the diverseness of different states. Despite Professor Nelson Chow’s proposal, there is indispensable for the authorities to do alterations on the three attack theoretical account toward the retirement protection policy. For the Zero pillar, CSSA and OAA act as a safety cyberspace for the destitute aged. However, there might hold some jobs toward the CSSA. When using the CSSA, the elderly’s household members, such as her boy or girl, have to subscribe the declaration that they won’t provide fiscal support for the aged. Therefore, if the aged is in bad relationship with her household members, here boy or girl might non able to subscribe the declaration for her. Therefore, the senior can’t get the CSSA. Besides, the money in the CSSA might non be able to supply basic demands for aged because of the rising prices. Due to the rising prices, we have to pay more money when purchasing things. In order to assist the aged during rising prices, the authorities should set the money in CSSA more often. In add-on, we should better the MPF system in the Pillar II. The employees should experience free to take their MPF plan due to the different sets of demands. There should be no barriers for employees when taking the MPF plan. Furthermore, the authorities ought to offer inducements to promote voluntary nest eggs in Pillar III. The pillar III is related to the voluntary parts to the MPF system. In order to promote personal nest eggs, the authorities needs to supply the revenue enhancement incentives for people. For the three pillars approach, the authorities needs to measure the fiscal sustainability on a regular basis. As suggestion before, the bing three pillars policies should be reinforced and enhanced. Future planning of the retirement protection policy Everyone agree that the cosmopolitan retirement protection strategy is non implemented in Hong Kong for the aged at this minute. The authorities merely focuses on the Zero pillar. The authorities set some regulations for the aged to run into. If they can go through the demands set by the authorities, they can acquire aid. When be aftering the hereafter policy for retired people, the strategy proposed by Professor Chow could be the manner out. We should see the construct of ‘responsibility’ when be aftering the future retirement protection policy. Hong Kong is under the residuary public assistance theoretical account that people solve the jobs through the household and market. The authorities is the last manner to assist people. Therefore, for the retirement protection policy, it is related to the construct of ‘who is responsible? ’ . Some people think that the old age life protection should be the duty of persons and their household and non be laid on others nor should it be entirely financed by the authorities. Therefore, the function played by the authorities in retirement protection policy can be different from assorted parties. In the position of limited fiscal resources, the authorities should merely supply for the financially destitute ageds and non for all senior citizens. On the contrary, with the degree of Hong Kong’s economic development and the immense fiscal modesty, some people proposed that the authorities have the capacity and means to supply for basic support protection for all senior citizens. The perceptual experience toward retirement protection policy will act upon the function of the authorities. If people link the retirement protection policy with the income, it causes heavy load on public finance and may hold influence on the economic system. On the other manus, people who universal retirement protection strategy points to a sort of benefit for all senior citizens, unrelated to their past work history or wage. They hoped for the puting up of some sort of cosmopolitan support protection grant. There is obvious that Hong Kong uses the three attacks toward the retirement protection policy. Many elderly received the hard currency aids from the authorities. They still live under poorness. This might people reason that if the CSSA or other hard currency transportation plans are feasible or non. Presents, people have a higher outlook on the public assistance support. They have the pursuits for cosmopolitan retirement protection strategy. The strategy supposed to supply better protection for retired people. However, how the strategy should be implemented is still under a dialogue procedure. There are many things we have to make up ones mind when implementing the strategy, such as to undergo the means trial or non. The cosmopolitan retirement protection in Taiwan implement in a really successful manner. Even some people claim that Hong Kong is better developed than Taiwan, we still should larn from Taiwan’s experience and make up ones mind how to originate a cosmopolitan retirement protection strategy. We should establish the strategy harmonizing to the specific characteristics of Hong Kong. In fact, some people claim that the political environment affect the implement of the retirement protection strategy. This is related to people‘s conservativeness toward a policy. Therefore, we should be cognizant of the political issues when planing the retirement protection policy. The retirement protection policy is a really complicated topic which affects all HongKonger and has far-reaching impact on the financial sustainability in Hong Kong. In order to happen a suited manner of the development toward retirement protection policy, people should clear up the construct which is related to ‘responsibility’ . Mentions e†ºÃ‚ ·e?Zei?saˆSc‚?a »Ã‹â€ eaˆ?a†¦Ã‚ °Ã¢â‚¬Ëœeˆˆa?‘aes?a? ¶a? ¦aˆ?aaei?Y aˆâ€ ¹iaˆSaa  ±ec ¶Ã¢â‚¬Å"?- °e?zaˆâ€ ¹i2011 a4 4 ?-? . a‘ °- ° : aˆSc ¤Ã¢â‚¬ ?c ­-cs„e §Ã‹â€ a? µa’?a? ¶a? ¦aˆâ€ ¹i2013 i?†°ia? ­e†º?a ±Ã‹â€  Castells, M. ( 2010 ) ,The Shek Kip Mei Syndrome: EconomicDevelopment and Public Housing Development in Hong Kong and Singapore, UK. Pion Ltd. Census and Statistics Department ( 2013 ) , Hong Kong Special Administrative Region Chou, L.K. ( 2009 ) .â€Å"Retirement Income Protection in Hong Kong† . Ageing in East Asia Challenges and Policies for the Twenty-first century( pp. 105-137 ) . London: Routledge. Roller, E. ( 2012 ) .The public assistance province: the equality dimension. The range of authorities, New York: Oxford University Press. 1

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What is Christian Religious Education? Introduction Christian religious education is defined as the process where by Christian learning takes place. It often involves teaching which enables practicing Christians to adopt and deepen their Christian belief, values and dispositions to experience and act in a Christian way. It depends to a greater extent on how this process is adopted and practiced in different churches. Different practices in Christian education in local churches At some degree of certainty that all Christian churches have a similar aims and practices. The liturgical aspect is of paramount importance in the Trinitarian belief and practices in that it serves as introduction to what Christianity is all about. This is where the process of Cognitive learning takes places it involves the worship service where hymns are sang, lessons extracted from the books of the bible are read, sermon often punctuated with exhortation, admonishment and instruction in righteous living is delivered and prayers are said. It also involves the celebration of the holy Eucharist which Jesus Christ himself, recognized as the head of the church, initiated based on experience acquired in the worship service, it can be seen as Christian religious education is a confessional churchly activity of evangelism, instruction and nurture. I assure that Youth are the most critical of all critics when it comes to religion. Today, common inhabitants do pray and accept the holiness in church for Christ which they are aware that Christ constitutes the sacred bread and wine, but do not entirely act upon worshipping and fail to confront the thoughts and feelings to masses which would spread dignity of godliness among selves. The moral lies in the fact that this creates lackness to reach spiritual beliefs through worship and liturgy resulting in declination the faith which affects the divine nature approaching positivity. Christian education is a vital important part in youth development. For Christian education to be explored, generation of today should be brought into contact through various practices. In the early centuries, reformers emphasized and trusted true faith and doctrines, to change and reform behaviour as the only solution for salvation in Christian education. Christian school movements prove a challenge as a messenger to convey gods given mission and honour god. Traditional approach This approach was practiced since many decades and is still continued to be practiced which helps in binding and governing the ethics and morality within the religion and belief. Since beginning described, in leaving our homeland to teach the gospels throughout the world through scriptures, god conveyed his message by sending his son Jesus for us, the Holy Spirit, the Holy Church, and Baptism for building unity. Christianity consists of three things Religious faith, way of life and community of mankind towards salvation are most important. The most vital of all belief preached is that there is only one god. The term Christian does not imply on the fact that a Christian should grow up in a Christian community, but precisely accepts Christian faith and belief, follows and leads the path of life on which Jesus walked on and made mankind accept Christian community through involvement and participation physically and mentally, as a result, traditional approach is how the local churches and preachers go about conducting their services. The apostles creed was apparently developed to summarize the Christian doctrine for man who baptised himself. Theological and Biblical approach This approach is regarded as an abstract discipline which teaches what bible is written. It is the study of god expressing gods thought. The movement of bible indicates the doctrines to the kerygma to didache, to theological ethics, to revealed truth, to the way of living in Christian community. Gods salvation to the world, worshipping the holy spirit, baptizing people in the name of god, preaching gospels as the word of god, share Christs own body and blood as bread and wine in holy communion, repenting and confessing gods forgiveness etc are the concepts of theological and biblical foundation to Christian education. Even though mankind is aware but fail to involve due to the increasing evil and greed. The service is organized to accept the call of god and to love him and others and which aims to gather people to worship him in return allowing him to take control over the world and through his presence spread peace, righteousness, justice, joy and helps in the growth of the life in an individual through increased faith. Activities organized and performed in different local churches through to these practices Some churches develop the initiative of the worshippers by confessing their faith in the words of the apostle creed. Each activity is correlated and composes a range of varied elements. Their current activities reflect the lives of an individual and drive them for a purpose through various numbers of activities to attain a better quality of life. Due to activities, all age group gain variety of skills through many spiritual centred activities. Church acts as an interpreter between god and the worshippers to support in training the composition of these activities which are far more complex to solve a disturbed youth. They have to thereby standardize their curriculum and activities in regards to implement it. Different denominations organize activities to resolve the aim therefore to meet the need of the youth. Curriculum should be more focused than just on providing knowledge. Activities are necessarily planned to build youth commitment. I believe it is necessary to reach them, i.e. train them to be strong future leaders. They should be kept one step ahead, for their life is very challenging. I believe that the best way to outreach youths mind is to be a youth like them to understand their psychology as it differs from every individual. The same activities do get affected as the youth is choosy and subtle. Changing activities for tomorrow Here the question is voiced that, what substantial change can be brought apart from the current activities to eradicate the above upcoming and dynamic problems in nature with respect to behavioural management or of what medication of healing would work out. I would comment, the activities in the practices should be expanded and conduct likewise programmes workshops on educating purity before marriage, sex, child abuse, exploitation, rape, adultery, adolescence sex, teenage mothers, drugs addiction, aids, and divorce. Workshops, seminars for sex, abuse, peer mentoring, identifying preventive measures instead of curative measures targeting the social, political and the economical factors would be effective for incorporating the overall issues to bring the insight of the good and evil sides of every consequence, discussion on essential real life skills. Our goal is to create world changers, inviting the sacrifiers of evil and giving and sharing healthy priorities to save ourselves and the world, before it becomes a terrible fate and a debt for our own selves. As the world is in unsafe fists of crime, terrorism, corruption, violence, youth have been diverted to a fast-paced and expects instant opportunities. Perhaps, the approaches of these local activities tend to be helpful and may bring positive results but I still feel that there is something missing, to monitor the youth from within. In an article Practical: The Role of the Full-Time Youth Pastor in the Local Church, by Graeme Codrington, Denomination: Baptist (All), submitted on, May 18, 1997, states that, In a world that is so busy, and demands so much of all of its inhabitants, young people need a secure environment, where they can experiment and decide who they want to be. They need significant people to be there to help them through this process. They need role models to follow. Above statement eventually satisfies the fact that these folks are craving for friendly support socially and for stimulation. Overall factors which conglomerate are peers, parents, teachers, church members and Christian community. All factors rely on one common feature which constitutes leadership. Ironically, most youth do understand the surrounding factors but the factors themselves become tough unknowingly that they cant quite control the situation which then becomes too late to recover. The task is questioned commonly as what kind of leader a person should be to prove creditability and capability to influence the youth to pursue the direction towards god? In an article again stated by, Graeme Codrington, Denomination: Baptist (All), Practical: The Role of the Full-Time Youth Pastor in the Local Church, submitted on, May 18, 1997, Young people are not just little adults (cf. Elkind 1984:18). They are complex individuals who are battling to deal with the awesome transformation of their bodies, minds, and emotions. They are in a time of transition and growth, developing from the birthed bundle of potential to a fully integrated, functional member of society. The church is in a unique position to assist in this process. Church as a role model fosters spiritual growth in every youth making them responsible to participate in Christian faith; she is a sign for an entrance of the gods kingdom to the world of salvation, repentance, justice and peace to bring equality. She struggles hard and performs her duties wholly and solemnly reminds parents to structure their offsprings life in Christian formation. Church members acting as supporters, preach to establish and to promote a platform and share to encourage several types of civic, cultural, religious educational associations. In an article by Arthur Paul Boer What must a Pastor know? Reflection on Congregational studies defines on writer James Hopewells statement saying beyond the embarrassment. He has also observed that churches are sometimes chagrined by the change of hypocrisy and lament that they cannot measure upto ideals of Christian community. Writer James Hopewell referred by Arthur Paul Boer notes that Christian leaders are incharge and build a church thereby rise in hypocrites. I observe practically that, though the world is changing, church strategy is also changing in complementing the growth. It still targets the set mission. Even though, somewhere in the corner hypocrites do exist but church leaders aim to find out what is the outcome in the people from the traditional, theological and biblical practices. Perhaps according my research, I suggest they experiment bringing out good approaches to youths growth. Instead of the current activities followed in churches I would want to suggest the approach can be focused to bring in the outcome irrespective to exploration and innovation of ideas and thoughts for internal and external behaviour of an individual related to the surroundings around him, deepening of commitments to the teaching, provide opportunities to analyse socially and theologically and viewing his life in a theological manner. To build a framework of an activity consist of to have an experience like us, to sense new boundaries by exploring new links to every Christian among themselves and to god across social and cultural boundaries. In addition, exploration and inventive programmes can be executed to judge youths spirituality. Daily opportunities resulting in disorientation gets support through mission of god. Integration conceptual activities also can help in building and to capture a born leader. Church leader serves them as task leaders in the corrosion and freeing the task of a disconnected mind by planning tactics and dividing the burden of others through consultation. As the purpose is commitment, to serve the lost, skill based leadership formation training programmes can be organized to develop an effective leader so as to sustain the capability and capacity of the leader to solve the complaints lies in the dimensions of the ability. Workshops on intersections to shape boundaries of an individual and communities through theological and biblical language, symbols, and rituals to attain certain centered objectives. As growth of globalization is tremendous, these leaders come across and face new opportunities and challenges. I believe they help in building an integral performance in conducting entrepreneurial business-based activities, describing the activities because youths mind is business-oriented, therefore the activities are to be structured keeping business in mind involving biblical and theological approaches with the existing resources for a business oriented youth. They tend to produce facilitate management sources to sustain and develop faith and love. When the youth develops a church from within, he will be able to observe and analyse the holistic environment. The activities require presence of not only church members but also worshippers for youth development in successful implementation of these practices. Some worshippers form in small groups, some large varied to race culture. Arthur Paul Boer also examines simultaneously that when a group of pastors were having service of congregation, one among them exclaimed in deep breath It showed me Im not alone. So often in our churches we berate ourselves for problems we face: not enough men, too few youth, preponderance of a certain race or culture. He is clear with the fact that a single person fails, unity increases strength. We ourselves give birth to a problem and then strive hard to face it because as there are few leaders left to catch a grip to support a large community. Due to less number of youth, less support is achieved to sustain the laws and policies of the church and unable to accomplish gods mission. It is not only one who contributes but many. Above mentioned statement It showe d me Im not alone expresses that each race and culture form their own group; build small churches for their own community within their own boundaries, where god expects togetherness, wholeness. It requires lot of efforts to help small churches grow whereas large church with mass contribution grows as their already exist efforts in large numbers which take over the chained actions for development. Whether single church group or many, big or small, the development is important. On this contradiction, I would suggest that this also includes that in small group the development is paid more attention and given a close eye, problems are spotted quickly and easily to meet the challenges. No matter how large or small challenges occur, the way we approach it is unique and comprehensive as this brings out effects of development in the youth. Whereas in large it becomes difficult to assist as there are more than one individuals. Due to small groups according to races and culture, differentiation exists. But the important criterion is group commitment and work effort in all sets of practice for congregations in any race or culture for a healthy youth so that to accomplish gods mission. As a result both objectives are co-related to each other. To understand the nature of Christian youth it is a very distinguished and a unique phenomenon. Due to the increasing issues of peer pressure, this has led to the obstruction in the development of youth. There are negative as well as positive aspects of it. Negative aspects influence a weaker mind. It is the most consistent findings revealed in observation. Due to the inquisitive innocence, an innocent becomes a prey of the negative aspect, thereby exploited and develops an evil companionship where he adopts negative qualities and habits. But there is positive aspects as in there are some groups who work towards peer relationship. Here innocent gets an opportunity to identify his fear, weakness and have control over his own power. The peer mentors play the part in organizing programmes to understand the behaviour. They interact with the teens and open lines of communication, build up action plans to change the behaviour by using the discipline skills wherever necessary. As church mem bers play an integrate role, it is a challenge for them to develop the youth and make Christian education reachable to them. Teachers are responsible preachers. Youth growth depends on a teacher infact they are the true facilitators of our learning, are Baptist figures and true authors of an individuals life book. They also act as the resource developer and planner setting the curriculum for the healthy growth of an individual, depending how the curriculum is designed with the kind and level of leadership skills to recognize the youth psychology. Parents play a significant role in Christian education. They are the promising leaders which shape up Christianity, infact are the real teachers of Christian education. Parents act as a moral standard and support, therefore can synchronize to their growing youth to be aware from their early hood to gain knowledge in Christian faith and this is done when they themselves too experience a fullness of church. Misunderstandings and miscommunication between parents and their children are one of the issues which follow breakings in the development of the youth. Due to parents own principles, for respect and love of family values often creates harmness to the childrens growth which tempts them to behave against them. Thus youth becomes a totalitarian of his own life by going against the values and ethics and unknowingly gets stucked in the torturous situations. Most Christian youth, fail to act upon the 10 commandments of bible. I must say, I myself as a youth in my real life experience have observed that the originality of the commandments has changed excessively and replaced with the following: Thou must worship money Thou must lyrically murder Thou must have evil possession Thou must have sex Thou must enjoy drug addiction Thou must prosper, worship own self Thou must not feel guilty Thou must have no respect for ancestral values Thou must not serve, sacrifice Thou must differentiate Due to the above, youth fails to feel guilty in which guiltness is a part of our conscience creating a false belief system as an obstacle in his maturity and creating structure of his own. Under such circumstances he avoids promoting prayer, sacrifice, grace, redemption, worship and meditation, atonement. Considering money and sex are the only two things reliable to satisfy the needs, creating a limitation and a boundary for establishing personal spiritual growth and development. In general terms, when the efforts of religious and educational institutions, society lack to perform the planned task for Christian education, a positive approach is expected and constructed to gain knowledge and teaching through parents and teachers. Youth must be aware of guiltiness which is a gift from god to help us in being and doing well. Still the question is raised in a Journal: Volume 5 Number 4, October 2003 by Author Charlene Tan, Can Christian teachers and parents teach Christian beliefs without indoctrinating their students and children? Yes, they can teach Christian beliefs without indoctrinating their students and children they need to be careful when a child is to be handled as their minds are immature. At times it is difficult to understand them because their way of thinking is varied. Firstly before going to the next process, the first process has to be resolved. As teachers and parents are the role models for the development. In order to develop and understand these three role models should be systematically developed first. Only by abiding this rule, they can achieve the development in child. But the point lies beneath that how teachers and parents can prove themselves as an effective source of development by keeping in mind the relative factor of Childs mind compatibility and psychology? As there are variations in psychological behavior teachers and parents should be mentally prepared, be changeable and adjustment oriented accordingly. The political and current affair of the nation is affected by corruption and evilness rationally which gave birth to vivid factors like jealousy, modesty and so on, making humans built a tendency to mislead the positive factors. The situations have made the teachers adapt those inequalities within them, affecting the surrounding factors. Parents have too due to their increasing self priority created barriers of understanding among their families. Many people are often drawn towards the attention of the church because of their felt needs and not for spiritual needs. For instance, it does occur that why the youth is tuned out of his own way? Even in their interaction with their own members it tends to happen with them that they fail to hear a word said to them stating I didnt hear a word you said?, even though it is obvious that they have said something relating to us. This proves a kind of negligence in contacting the positive mechanism which grows in the back of our minds. Such system blocks all the wanted and useful messages allowing us to hear and see only what our mind tells us to hear and believe. As this tendency is increased in the youth generation, it is creating gaps between a believer and faith of god. The question is How? How can we overcome this problem? Youth have themselves developed a capacity in mind to hear only what pleasures them without taking a decision that whether it is false or truth. My query is How we can bring these groups of youth closer to god? Unconsciously resulting in unexpected calamities and unknowingly they are unable to repent it wisely. Due to this increasing factor, youth cant get a grip of effective communication and develop themselves internally. Here the parents then enter the scene to play their role. The main question lies whether the local churches fulfill and meet to mature disciples in Christian education? As stated above, youth are the most critical of all critics when it comes to religion. In this modern era, youth is distracted to church because they are building castles in air due to the unmaterialistic desire. Youth today have focused their vision to crave success and prosperity for their rising life graph; they exploit their own ones due to greed and selfishness. During the primary phase of struggle and hard work, youth craves to achieve prosperity, at the same time, do thank god and accept his involvement for success, but hand in hand, lack to follow the bibles ethics which says to respect others in and with unity. Due to the competition and growth politically, more often youth seem to push the fellow mates and strive to takeover their place. They themselves are unaware that they give birth to exploitation and inequality. And due to inequality, unity is declined, wherein bible does not specify inequality. In a book source, Pastor Rick Warren illustrates in his book The Purpos e-Driven Church -The issue is church health, not church growth! declares warren. if your church is healthy, growth will occur naturally. Healthy consistent growth is the result of balancing the five biblical purposes of the church. In addition to this he also declares that If u concentrate on building people, God will build the church. I agree at a certain point with the above statement. I herewith would want to magnify on How would one build a healthy youth for a healthy church? In this sense I believe that both are co-related with each other. Again the issue arises in my mind How will the church be healthy if the youth is unhealthy? The issue cant be only concentrated on church. For a church to survive, the basic foundation is the youth and for the youth to be saved and attracted the church has to be healthy. In my knowledge it is a Vicious Circle. Local churches upto some extent do specifically fulfill the discipleship through the practices and play a great emphasis in fulfilling and conveying the message of god to us, but still lack to read the minds and bring the youth closer to her, for which she has to upgrade her atmospheric appearance with new packages to reach the youth in a new taste due to the competitive modernism which is hovering on the youth. The latter part can play the best part coz when first falls in place, everything else falls in place, from the beginning to the end, from all angles in all walks of life. Towards a healthy faith, healthy church can turn and seed a growth of spirituality through which mankind will grow spiritually from within thereby causing church growth. Author Perry G. Down states in his book Teaching for spiritual growth that how can we best enable Christians to grow towards maturity? For this question he suggests three key concepts- ministry, believer, and purpose. But my understanding says that these concepts are incomplete somewhere to create a bond in reaching the results because todays youth is attracted towards the unrealistic worldly matters, but has resulted in declination towards the gods spiritual growth. The major role connecting these three concepts is commitment and effort. As the church ministry is the foundation pillar, the main aim is how much measure of commitment is valued and given to achieve the target successfully. Mankind is able to commit only when he chooses the right direction in fear and is able but this is unfortunate as the alien world tend to let us unidentify the type of strategies of growth for maturity. By identifying the type of strategies of growth, we can understand the level of growth required t owards maturity at which we can be spiritual. Another reason for in growth is fear. As the youth fears to face unexpected problems, the efforts are less and require the hierarchys support. Author Gary C. Newton stated in his book Going towards spiritual maturity quotes the principle that God is ultimately responsible for all spiritual growth. The question arises at this point that if god is responsible for everything, what will be the purpose and role of human? I comment that while god supplies the resources like bible, church, Holy Spirit, baptism, it is also our responsibility to supply effort and commitment to utilize those resources and give results to god. In bible, Paul highlights this principle of his personal lifestyle and in his teachings comparing with the example of a soldier or athlete to illustrate the amount of sincerity and efforts. (1 Corinthians 9:24-27), Paul states that In a race all the runners run, but only one gets the prize. I herewith conclude in a Christian race all runners (ministry, believers, purpose) will fail to get a prize if there is no effort that is commitment from everyone. Along with the concept of ministry, believer, purpose; effort is also the key concept and it has to be achieved from the youth as well. A healthy youth will gain efforts only when the growth will favour them from within, when the forces of the ministry believers and youth will collide with each other to form a healthy growth. This will create a mutual relationship between gods provisional resources and our active involvement in process which is more clearly in Philippians 2:12-13: Continue to work out your salvation with fear and trembling, for it is god who works in you to will and to act according to his good purpose. This principle is intricate but the application is clear. If one is to grow towards maturity in Christ then one must cultivate and demonstrate the efforts with passion, Philippians 2:17-18: But even if I am being poured out like a drink offering on the sacrifice and service coming from your faith, I am glad and rejoice with all of you. So you be glad and rejoice with me. Therefore the conclusion lies in the above concept, both; effort of the youth along with the work of ministry, believers proves in the healthiness of the church. In the book Youth At Risk by Peter Christian Olsen, 2003, he highlights four basic needs which he has clearly created an awareness of the effects that affects the development of youth: Acceptance belonging New beginnings and second chances forgiveness Significance generosity Freedom independence I agree with his confirmation that he examines in deriving the above developmental needs from the provision of the Almightys resources as the absence of these needs do intentionally contribute in how they shape the personality, maturity, responsibility and stability of emotions. He emphasizes Christian community in respond to the needs determining that, the resources will be polishing youth through support during the fear and avoid them from destruction. At times the concepts will be foreign, indigestive for youth because unable to realize its importance. Rather the community need not re-interpret or change the language but simplify their thoughts and improve their visionary and understanding by change in structure through a friendly communication by becoming an effective leader to bridge the gap between the church and the youth. Therefore forces and efforts are needed for decision making which is an effective key in respond to ministry believer and purpose for a possibility of a hea lthy youth to build a healthy church, which will make the church flourish. Supporting surveys According to a survey, some findings proved that church fails to answer every question of the youth. Q.1 In what way and sense is Christian religion, faith and church viewed by todays modern youth? Youth of todays modern era is firm on the point stating that inspiration is lacked in religion; they feel that the world is divided through religion and is the major factor which is affecting the growth. A 17-year-old Jude from Kent says confidently that He does not agree with the church who talks on subject morality and is Overfilled with traditionality. Youth pick their ideas which suit their taste through various religious beliefs. There are few in bunch who strongly believe, there exist only single religion which has controlled the truth. Young generation refer to perform all activities as per their own desire which in return less importance to the religious belief are being given, which gives birth to the side effects of the conduct. Q.2 Why do young crowd feel that Christianity is not a happening cultural activity? An 18-year-old Marcus said that he left church when he was 15 because the teachings did not amuse him and it did not interest him of anything as a youth. The major quest, a struggle for a religion is to impose an exertion of force of involvement in terms of attraction. I usually attend church service wherein I find young ones missing the services. I kept questioning myself that, where the young crowd has disappeared? Surprisingly the young ones have taken charge for the attendance of the church. In this consequence the church should give priority to change its curriculum and its way of presenting the services with new attractive packages for enhancement. Q.3 Are the young preachers practicing different approaches in Christianity declining. What are your suggestions? As the attendance of the youth in church has declined, but on the other hand people practicing approaches are increasing in numbers. The following is revealed through one of the youths that more the deepening are the studies of the bible, more a person becomes a hypocrite of the Christian leadership and unintentionally accepts and performs the lifestyle of the clergy right or wrong at times unknowingly. In such case, the practices are affected and become different from those which are to be precise. Seen are still some true Christian youngsters who are different in their attitude and conduct, but in spite of such difference, they are not involved into the immorality and violence activities with other youths. They present themselves as they are from a different unknown religion, but practice the religion and it

Comparing Colonialism and Imperialism in Heart of Darkness and Kipling

Imperialism in Heart of Darkness and Kipling's Poetry   Ã‚  Ã‚   Imperialism sprung from an altruistic and unselfish aim to "take up the white man's burden"1 and â€Å"wean [the] ignorant millions from their horrid ways.†2 These two citations are, of course, from Kipling’s â€Å"White Man’s Burden† and Conrad’s Heart of Darkness, respectively, and they splendidly encompass what British and European imperialism was about – at least seen from the late-nineteenth century point of view. This essay seeks to explore the comparisons and contrasts between Conrad’s and Kipling’s view of imperialism in, respectively, Heart of Darkness and â€Å"White Man’s Burden† and â€Å"Recessional.†      Ã‚  Ã‚  Ã‚  Ã‚   In a historical context, the two texts differ greatly: Heart of Darkness is Conrad’s autobiographical description of his trip up the river of Congo and his encounter with the atrocities of European rule in Africa.3 Conversely, Kipling’s â€Å"White Man’s Burden† was written to welcome the United States of America to the club of imperialistic nations. The event that prompted Kipling to write this poem was the United States’ intervention in the Philippines. Under the Treaty of Paris in 1898, the Philippine sovereignty was transferred from Spain to the United States and thus the United States emerged as an imperialistic nation dedicated to progress. This is the core of the matter – progress. Kipling speaks of ‘a Law’ in his poem â€Å"Recessional.† The code of behaviour and the enlightenment that Kipling wished to be aggrandised to all ‘primitive’ nations. In other words: Progress in the mean s of railroads across continents, telegraph lines over deep seas, commerce beyond boundaries and steam boat lines criss-crossing the earth.      Ã‚  Ã‚  Ã‚  Ã‚   Imperialism was at its height... ...55,1978) * Conrad, Joseph. â€Å"Heart of Darkness† in The Norton Anthology of English Literature, M.H. Abrams, general editor.   (London: W.W. Norton, 1962, 2000) * Islam, Shamsul. Kipling’s Law: A Study of His Philosophy of Life (London: The MacMillan Press Ltd., 1975) * McClure, John A. â€Å"The Rhetoric of Restraint in Heart of Darkness† in Nineteenth Century Fiction, Volume 32, Issue 3 (Dec. 1977), pp. 310-26 – available through www.jstor.org * Raskin, Jonah. The Mythology of Imperialism (New York: Random House, 1971) * Rudyard Kipling’s Verse, ‘Definitive Edition’ (London: Hudder & Stoughton, 1940) * Watts, Cedric. â€Å"‘A Bloody Racist’: About Achebe’s View of Conrad† in Joseph Conrad; Critical Assessments, Keith Carabine, ed., Volume II: ‘The Critical Response: Almayer’s Folly to The Mirror of the Sea’ (Mountfield: Helm Information Ltd., 1992)

Class or Mass Essay

Neptune Gourmet Seafood is faced with the issue of increased supply in its market. The response action is very time sensitive as a failure to react may cause severe loss in brand perception. Though they have increased investments as of late to produce more and also maintain high quality products through their freezing technology, they still need to find a way to combat long-term supply issues. They should not threaten their high brand image through low cost maneuvers, as this is the key driver of their competitive advantage. The recommendation I propose is to partner with very well known supplement retailer GNC to begin exclusive production of fish oil. On top of that, Neptune should recommend to GNC in the partnership that they expand to the young and upcoming market of frozen healthy meal delivery. GNC can partner with a smaller company that has already established their healthy meal plans, such as MagicKitchen.com. Utilizing GNC’s distribution and marketing prowess, both Neptune and GNC will be able to sustain competitive advantages through high brand equity and first mover advantages in a small, yet poised to grow market. As the world starts to become more health conscious, it will be a huge competitive advantage to have already set up the correct infrastructure to tack this market. Industry Dynamics Neptune Gourmet Seafood is North America’s third largest seafood producer playing in a market where seafood is considered high-end. They have generated nearly a third of its revenue from selling frozen and processed fish through US grocery chains and organic food retailers. An even bigger market is through the many restaurants within 250 miles of Fort Lauderdale that they sell to; along with many big cruise lines. The final third of their market was through wholesalers who then sold the fish to restaurants across the country. Neptune was considered top quality, and therefore demanded a 30% premium over the majority of its competitors. They demanded this premium due to their investments in new ships and freezing technologies that allowed them to find the biggest and best catches along with administering their top notch freezing agents to keep fish fresh. Some customers even preferred their frozen fish to fresh fish. Situation  Analysis Neptune Gourmet Seafood is in a tough situation where they continue to have surplus inventory although demand for their product is increasing. They have recently become more productive through both investments in new freezing technologies as well as new government regulation forcing them to deeper waters where they are having more successful catches. After analyzing their current market situation, some possible opportunities have been unveiled (Appendix A) that could possibly remedy their current predicament. These opportunities are coordinated with the company objectives, but it is clear that not all will be optimal due to offsetting industry conditions. The managers and decision makers at Neptune Gourmet Seafood have each begun to disagree about the proper course of action to best sustain a competitive advantage. (Appendix D) These issues come down to three main areas: Inventory Levels: Is this a short-term problem that will pass with time or is it a strategic problem that must be addressed now to avoid long-term damage. Pricing Scheme: Will a 50% discount help to rid of excess inventory or will it simply reduce profits? Will profits be hurt in the long term? Brand Awareness: Should the brand equity of Neptune Gold be jeopardized with the creation of a secondary Neptune Silver brand? What other opportunities could be explored to increase the brand awareness and brand equity of Neptune as a whole. After performing a SWOT analysis (Appendix C) it became clear that the creation of a secondary discount brand would not only hurt the reputation of Neptune but also cut into its own sales. Moreover, the increasing supply of fish due to new regulation makes it clear that this problem is not something that will just go away by shedding a bit of inventory. It is an issue that needs a long-term solution in order to sustain a competitive advantage, whether that is in another market with a different product, or some other long-term strategy. (Appendix B). For that reason, the idea of expansion to the fish oil market with a partnership with GNC has emerged. This will be able to rid of excess inventory as supply increases while also tapping into a budding demand market. (Appendix E2). Further, they should use their frozen fish to provide the seafood for GNC expansion to the frozen meal delivery market. GNC can partner with MagicKitchen.com to utilize there already in place menu  (Appendix E4) while using the distribution, advertising, and target market that GNC already obtains. Importance of Decision The whole seafood production market is facing a difficult problem of how to deal with increased supply. The response that Neptune takes is vital to its long-term solvency as a misstep may set them back compared to their competitors. Due to its historical success along with a recognizable and trusted brand, Neptune’s customers expect no change in the status quo. Any negative spillover onto their current product or product mix may induce a negative customer response. Furthermore, a move to a low cost brand may hurt their brand image beyond repair. Evaluation Criteria Speed: how fast will the alternative address and remedy the surplus issue? Growth: will the alternative continue growth in current/new markets? Resource Usage: will the alternative use current resources or require new investments? Quality: will the quality of product be reduced through the alternative? Competitor Response: will the alternative start a price war? Customer Response: will the alternative affect customer perception of high quality? Supply Inventory: will the alternative address the increase in supply in short and long-term? Alternatives Neptune is at a point in which action is required. A â€Å"do nothing† strategy would almost certainly put them in a hole that would not allow them to compete long term in this industry. The alternative of a price cut does not align with their core values, and therefore the following three options were considered: 1). Create a Neptune branded chain of high-end Seafood restaurants located along the Florida Coast. Pros: Get’s rid of excess supply Maintains high quality brand perception Increases revenue while creating a testing ground for new products Cons: Large investment buildings and gaining restaurant experience Directly competing with a large portion of customer base 2). Form a partnership with GNC and begin production of fish oil tablets and recommend expansion into preplanned frozen meal market where Neptune would  be exclusive supplier of fish. (Further partner with MagicKitchen.com). Pros: Long term solution for increase in fish supply Extends brand to another market, non-seafood eaters GNC already understands processes to create/has distribution GNC has distribution system in place for frozen sector, already has target market as well Cons: GNC features many brands of fish oils already Possible cannibalization with GNC advised frozen meal plans 3). Create a mass-market brand called Neptune Silver that sells at lower cost through the same distribution channels. Pros: Addresses supply problem now and in the future Attracts new lower end customer base Cons: Decreased revenue Brand perception is lowered, may lose high-end customer base as well Possible lost ability to charge a premium in the high-end market Alternatives Evaluation Matrix Recommendations Short-term – Tactical: With the surplus of inventory increasing every day, Neptune must prepare its transportation services to begin regular deliveries to GNC’s manufacturing site. Long-term – Strategic: Neptune must take action in a few different areas if they are to be successful. Based on the alternatives matrix, the joint venture with GNC gives them the biggest opportunity to retain a competitive advantage. The current growth of the fish oil industry shows the trend that more and more consumers are starting to care about their longevity in health. Furthermore, the meal plan expansion recommendation to GNC helps to gain another competitive advantage in the pre-planned healthy meal industry. They must prepare an offer to GNC outlining the opportunities for GNC and the possible market penetration that they can achieve through this partnership. They will also recommend partnering with already in place frozen healthy meal delivery services such as MagicKitchen.com . The healthy frozen meals industry is growing and doesn’t have a lot of players. First mover advantages will be acquired and  flourished with the scale and distribution GNC already has in place. Key Implementation Actions 1). Begin weekly or monthly transport of specified amount of surplus fish to be used for fish oil at first until partnership with frozen meal team is acquired. 2). Fish oil production will begin at GNC production site, begin marketing and advertising campaigns. 3). Once GNC has partnered with a frozen meal provider, they must begin the marketing and advertising to help bring the health conscious customers of GNC together with the convenience of frozen meals. 4). MagicKitchen.com can utilize GNC distribution systems to deliver low transaction costs Impact to Resources and Capabilities on Competitive Advantages The impact of this partnership is an enhancement to both companies’ competitive advantages. Neptune is able to not only maintain its high quality perception but also penetrate a growing market of fish oil and pre-planned healthy frozen meals. GNC will be able to expand its product mix by penetrating the busy yet health conscious individuals. This is a market that is sustainable and growing due to the increase of information available about healthy eating habits and the importance of food to longevity. The groups of health conscious people are also great brand ambassadors, and are driving marketing efforts and demand for products through their use of social media (Appendix E5). Furthermore, through the partnership GNC will save on transportation costs and other costs by utilizing Neptune as its sole fish supplier. Expected Competitor Response Due to the common issue of increased supply throughout the market, it is likely that other competitors will be trying to find other outlets to sustain a competitive advantage. However, due to the lack of premium brand recognition it will be difficult for them to make such large partnerships. Neptune’s increasing margins over the past few years are giving it ample cash to make these big deals. The competitors will likely try to rid excess inventory through price cuts or charitable giving. Appendix A). Market Expansion Grid B). Porter’s Five Forces C). SWOT Analysis D). Stakeholder’s Analysis E). Exterior Research A) Market Expansion Grid B) Porter’s Five Forces C). SWOT Analysis D) Stakeholder’s Analysis E). Exterior Research E1. Finding New Uses Fish Byproducts Report http://www.ars.usda.gov/is/ar/archive/apr07/fish0407.pdfGlobal demand for fish protein will exceed supply by 2016 â€Å"Fish oil and protein supplements for humans can be made from high-fat livers. And low-fat livers, such as salmon, can be used as supplements for pets and livestock as well as humans.† E2). Grandview Research Industry Report: Fish Oil Market Global fish oil demand nearing $2 billion and expected to grow at 9% between now and 2014 The major driver of this growth is the increase in direct human consumption based on increased health benefit awareness and concern of general population. Not enough production to keep up with the increasing demand. E3). Global Frozen Food Market Report http://www.foodproductdesign.com/news/2013/09/global-frozen-food-market-to-reach-294-billion-by.aspxManufacturers finding more and more demand from organic and natural frozen market Overall market expecting nearly 15% increase by 2019 E4). Possible Partners for Frozen Meals for FNC http://www.magickitchen.com/press_releases/Local-Partner-Program.htmlDelivery of frozen healthy meals to individual doors Could do bulk deliveries to GNC for mass pickup and low costs E5). Health Conscious Shoppers building brands http://socialtimes.com/health-conscious-shoppers-become-powerful-brand-advocates-infographic_b149137More healthy people, more brand recognition and driving  demand. Infographics: