Manage Programs That Promote Personal Effectiveness Essay

1. Three normal Health Issues that Can Affect Productivity In The Work Place Are: Psychological well-being Issues for instance: Depression, Anxiety, stress and Behavioral Conditions. Constant Illnesses for instance: Diabetes, asthma, Cancer, coronary illness and stroke. Way of life hazard Factors, for example, medication and liquor misuse, betting, Obesity and smoking this incorporates recycled smoke. 2. Utilize the web to explore each Identified issue for the accompanying: Predominance of the issue and any gauges. Emotional wellness is on the ascent all through the work place, And not at all like numerous physical ailment it impacts on individuals during their prime working years untreated psychological wellness issues are costing Australian associations $642,000 per 1000 representatives. Constant Illness is expanding in a worldwide commonness and in 23 high weight created nations the expense related with this worldwide pervasiveness will cost the economy 84 billion dollars by 2015 if nothing is done to slow this up ward pattern. Way of life Risk Factors have expanded significantly not just has Obesity expanded Across all age bunches the working age bunches has a consistent upward development. Somewhere in the range of 1995 and 2012 the normal BMI for people more than 18 have expanded by 9.6% And just 5.5% of Australian grown-ups had a sufficient common day by day admission of products of the soil there has been a decline in smoking as per the national wellbeing Survey â€Å"In 2011 12, men were bound to smoke every day than ladies (18.3% Compared with 14.1%). These rates have diminished since 2001, when 25.4% of men And 19.5% of ladies smoked daily†. Standard ways to deal with address the Issue in the work place. Being proactive in adequately bringing issues to light and tending to Mental Heath in the work place so early mediation can occur is significant for staff good and certainty. Some standard methodologies for tending to and managing emotional well-being would be: Educating and giving directors and employee’s the instruments and abilities expected to together distinguish triggers and arrangements. For a bigger scope and relying upon the general wellbeing and faculty needs of the workers and financing from the association or government an EAP could be planned and arranged. Standard ways to deal with tending to incessant ailment in the work place are: Initiating an in worker help program to give the representatives the training and bolster they need this could be anything from a fundamental to an extensive program contingent upon all the variable components to consider. Standard Approaches to Lifestyle hazard factors incorporate arrangement changes, for example, smoke Free situations to additionally diminish the smoking rate or in any event, advancing quit line Services for smoking related issues. Give wellbeing choices and Incentives to utilizing And keeping up more beneficial decisions inside the working environment to manage diet related Lifestyle dangers. Two of the Identified methodologies quickly itemized on how the methodology is overseen in The work spot and which approach I like. Psychological well-being Actualizing compressive methodology or national work environment program (Employee help program) alongside planning a prosperity strategy and counteraction strategy will expand information and comprehension on the most proficient method to bargain and forestall emotional wellness in the work spot and address business related hazard. Along these lines expanding mindfulness, diminishing disgrace and improving perspectives thusly giving staff representatives the instruments to make a solid workâ environment where nobody has fears of revolting against having an emotional wellness issue this can give work protections and consolations they have the help of the association. Full responsibility from all partners including all administration mental heath specialists and the picked worker delegate is fundamental to the achievement and result of program. Ways of life Risks Factors Presenting a progressed or thorough program to teach and give staff/Employee’s chances to be instructed on Nutrition, Physical action, Smoking and stress the executives and experience to rehearse the aptitudes expected to manage and forestall Lifestyle Risk related issues. Give wellbeing alternatives and Incentives To utilizing and keeping up more advantageous decisions inside the work environment to manage diet Related Lifestyle dangers. Additionally elevating administrations identified with way of life chance factors, for example, Quit line, Heart Foundation, Cancer Council, Substance misuse consolers and GP’s for General check ups. Approach I Prefer The advantages for tending to way of life chances out of sight the expense and time as Implementing this as a safeguard measure would support getting, confidence and Trust inside the association in this manner boosting Productivity the association would Save Money on a drawn out premise because of the reality That numerous interminable ailment and some psychological wellness issues Stem from related Lifestyle Risk factors. So I think tending to way of life chance Factors you are subsequently Addressing a general wide dominant part of issues. Handling way of life chance factors before They become Chronic ailment is basic and ought to be focused on as Prevention Is superior to Cure. So I would present a progressed or far reaching system to Change the conduct. 3. Summary Report Psychological well-being Issues for instance: Depression, Anxiety, stress and Behavioral Conditions. Ceaseless Illnesses for instance: Diabetes, asthma, Cancer, coronary illness and stroke. Way of life chance Factors, for example, medication and liquor misuse, betting, Obesity and smoking this incorporates recycled smoke. â€Å"Healthy Employees Make A Healthy Business† Psychological wellness Issues, incessant ailments and way of life chance variables are all on the ascent it is critical to such an extent that they be tended to on the grounds that the drawn out effect of unaddressed issues inside any association can be annihilating for both business and representatives. Not exclusively did a recent report run by Medibank Private put the yearly expense of truancy and presenteeism to Australia at $25.7 billion. Wellbeing and prosperity are by a long shot the superseding factors. By improving wellbeing guidelines in the work place you will discover more beneficial representatives are multiple times increasingly gainful. All the above medical problems profoundly affect Daily profitability non-attendance and presenteeism tending to these issues viably won't just advantage this association and employee’s yet improve generally speaking mental and physical prosperity improving efficiency, worker connections, diminished truancy and debilitated leave and expanded wellbeing mindfulness and information. â€Å"Global research has discovered that when representative wellbeing and health is overseen well the level of connected workers increments from 7% to 55%. This exploration additionally got self-detailed imagination and development increments from 20% to 72%.† Giving the vital apparatuses and aptitudes for staff and employee’s to preform at there best I would recommend embracing an EAP to move toward way of life hazard issues, a portion of the strategies perhaps government helped workshops. so with the endorsement of senior administration I would adore input and endorsement to compose a progressed or extensive EAP for Lifestyle Risk Factors since I accept that in tending to way of life chances out of sight the cost, time and assets and With cost according to misfortunes from non-appearance and presenteeism anâ investment for a bigger scope like a progressed or far reaching EPA would be progressively helpful in this circumstance. Actualizing this as a protection measure would support getting, resolve and Trust inside the association in this way boosting Productivity. The association would Save Money on a drawn out premise because of the reality the work spot will be a solid more secure spot with diminished non-appearance and presenteeism and expanded efficiency. â€Å"a transport can't be cruised without a crew† so keeping your staff/employee’s cheerful and sound will have a positive effect on totally included and improve the associations corporate picture. With cost corresponding to misfortunes from truancy and presenteeism a venture for a bigger scope like a progressed or extensive EPA would be progressively helpful in this circumstance. Likewise in tending to way of life chance you are thus tending to numerous constant sicknesses and Some emotional wellness issues as most Stem from related Lifestyle Risk factors. So I Believe tending to way of life chance Factors you are along these lines tending to a general wide Majority of issues. Handling way of life hazard factors before They become Chronic disease it Is basic and ought to be focused on as Prevention Is superior to Cure. References http://www.cgdev.org/doc/expert%20pages/nugent/Nugent_Annals_article.pdf https://www.bspg.com.au/dam/bsg/product?client=BEYONDBLUE&prodid=BL/0538&type=file http://www.abs.gov.au/websitedbs/D3310114.nsf/home/home?opendocument http://www.heartfoundation.org.au/dynamic living/Documents/Healthy-work environment guide.pdf

Finance For Business Investment Or Initial Outflow Free Sample

Question: Characterize about the Finance for Business for Investment or Initial Outflow. Answer: Section A Pay Back Period Recompense period is utilized to investigate that how much time is required to recoup the underlying expense of venture or starting outpouring. On the off chance that recompense period is shorter, the undertaking is increasingly alluring (Chandra, 2015). Regardless of whether in limited recompense period, the idea of time estimation of cash is relevant. Pay Back period = Initial Investment/Cash stream of per period On the off chance that income of consistently is same, at that point above recipe will apply. For instance, resource buy costing $100000 and income consistently is $25000, at that point take care of period will be 4 years ($100000/$25000). Furthermore, on the off chance that income is distinctive in consistently, at that point limited restitution period determined. In the given venture required pace of return is 12% and income is distinctive consistently, so limited recompense period will be determined. Count of devaluation: Deterioration = (cost - rescue esteem)/life of advantage = (34500000 - 5500000)/5 = 5800000 Uses for including new highlights and uses for advertise study both considered as starting money outpouring. Restitution time of the undertaking is 2.79 years implies cost of advantages can be recuperated in 2.79 years. It is useful for the Emu hardware to interest in assembling types of gear. Gainfulness Index (PI) Gainfulness list used to recognize the relations among cost and advantages by determined proportion. It is utilized for positioning undertakings. While figuring benefit record, time estimation of cash is likewise material. It is an instrument of account to taking choice, regardless of whether the undertaking will be acknowledged or not (Damodaran, 2010). The undertaking will be acknowledged whether gainfulness record will mutiple (1) and the task will be dismissed if benefit file falls beneath (1). What's more, on the off chance that, gainfulness list is equivalent to 1 (=1), at that point it will be circumstance of unconcerned methods anticipated will be acknowledged or dismissed. Productivity Index = Present Value of Inflow/Present Value of Outflow = 52205510.12/35,450,000 = 1.47 According to above computation productivity file is mutiple, so the task is worthy. Emu gadgets ought to have acknowledged the undertaking. Inside Rate of Return (IRR) It is the pace of return which is utilized to compute productivity of venture. IRR is the pace of intrigue. The net present worth ought to be equivalents to zero of all incomes at inside pace of return (Gallagher Andrew, 2007). Count of Internal Rate of Return by Trial Error technique: IRR = 30 + (35570884.83 - $35,450,000)/(35570884.83 - 34908659.88) = 30.18254345 Inward Rate of Return of the venture is 30.18% on which net present worth will be zero. Net Present Value (NPV) It alludes to uniqueness between present estimation of money inflows and present estimation of money outpourings. The measures of acknowledgment the task is net present worth (NPV) will be sure and the models of dismissal of venture is net present worth (NPV) will be negative. Also, if, net present worth (NPV) is zero, it will be state of lack of concern. Recipe: Net Present Value = Present Value of money Inflows Present Value of money Outflows Figuring of Net Present Value: While figuring present estimation of inflows, present estimation of leftover worth/rescue (for example 5500000) additionally included (Needles, Powers Crosson, 2010). Here, net present estimation of undertaking is $16,755,510 which is certain in this way, task will be acknowledged. Affectability of NPV to changes in the cost of the new advanced cell Changes in income straightforwardly effects on NPV and income changes if there is variety in cost of item. Net present worth changes with change in the cost of the item. On the off chance that cost of the advanced cells will be builds, at that point net present worth will increments and stays positive. Furthermore, on the off chance that, cost of the advanced mobile phones will be diminishes then net present worth will diminishes or falls negative. In this way, it very well may be said that net present worth is exceptionally touchy with changes in the cost of the new advanced cell (Moyer, McGuigan Rao, 2014). Affectability of NPV to changes in the amount sold On the off chance that selling amount of any item transforms, it legitimately effects on net present worth. On the off chance that selling amount of PDAs will be expands, net present worth will increments. What's more, if, selling amount of advanced mobile phones will be diminishes, net present worth reductions. So it very well may be said that affectability of net present worth (NPV) is relies upon change in number of units sold or amount sold. Net present worth is increasingly delicate with changes in the amount sold (Gill, 2015). Emu Electronics should create the new advanced mobile phone Emu Electronics ought to need to deliver the new PDA since it is productive according to computations made under net present worth, compensation period and gainfulness list. The recompense time of Emu Electronics is 2.79 years. In the event that Emu Electronics put resources into assembling types of gear of new PDA, at that point they can recoup their speculation cost in the time of 2.79 years. Productivity list of Emu Electronics is 1.47 which is mutiple, so new task is appropriate for them. Net present estimation of Emu Electronics is certain, so new venture is adequate. On the off chance that Emu Electronics loses deals on different models in light of the presentation of the new model On the off chance that Emu Electronics present new model of advanced mobile phone, it will be conveyed more particulars. So clients will want to get it. Thus, naturally deals of different models will be diminished. It impacts the benefit and net present estimation of organization. According to advertise general situation, on the off chance that any new item propelled in showcase, at that point it will be effective or not relies upon its determinations or clients need. In the event that such item is increasingly helpful or have uncommon qualities, at that point clients will want to get it since they got more fulfillment. In the event that there is no determinations in new item, at that point clients won't get it. Presentation of new item consistently impacts to the offer of different items. Same with Emu Electronics, they got loss of deals on different models on account of presentation of the new model. It happens in light of the fact that clients redirect to buy new model and deals diminishes of different models. Because of progress in deal, income of organization changes and it impacts straightforwardly to net present worth, productivity record and recompense period. So it influences on complete investigation of organization. Part B Cost of capital for Hubbard PC ltd 1) From the ASX site yearly report of Harvey Norman of 2015 downloaded. The yearly report of any organization shows the total expense of that organization. According to accounting report or proclamation of money related situation as at 30 June 2015, on page number 59 book estimation of obligation and book estimation of value found. Book estimation of obligation included notes payable, current bit of long haul obligation and long haul obligation. According to yearly report of Harvey Norman, the book estimation of obligation is $698,438,000 as at 30 June 2015 may be: Current segment of Interest bearing advances and borrowings $408,438,000 Non-current segment of Interest bearing advances and borrowings $290,000,000 Book Value of Debt $698,438,000 Book estimation of value incorporates share capital or contributed value, saves excess and held benefits. According to yearly report of Harvey Norman, the book estimation of value is $2,556,860 as at 30 June 2015 seems to be: Contributed value $380,328 Stores $113,290 Held benefits $ 2,043,463 Non-controlling interest $19,779 Book Value of Equity $2,556,860 (Source: Annual report of Harvey Norman, 2015) According to title Interest Rate Risk Management in yearly report of Harvey Norman at page number 120, breakdown of Harvey Normans long haul obligation is as per the following: (Source: Annual report of Harvey Norman, 2015) Normal loan cost (gliding) of long haul obligation is 0.47% to 5.93% given in yearly report of Harvey Norman. There is no other classification of obligations according to gathering of years. 2) Latest stock cost recorded for Harvey Norman 5.18 Market estimation of value, or market capitalization 5.76B Exceptional portions of Harvey Norman 2,066,523 Latest yearly profit (pay date 01 Dec 2015) 11 penny According to yearly report profit per share 20.0 penny According to yearly report uncommon profit per share 14.0 penny Profit markdown model can use for this situation as all important data are accessible. Beta for Harvey Norman 0.70 Note: All the sums given above are in Australian Dollar (AUD). (Source: aufinance.yahoo.com, 2016) Yield on government obligation is 1.86% according to Bonds interface at aufinance.yahoo.com. Cost of value for Harvey Norman by Capital Asset Pricing Model (CAPM): Cost of value = Risk free pace of return + Premium expected for hazard Cost of value = Risk free pace of return + Beta * (advertise pace of return chance free pace of return) = 1.86% + 0.70 * (3% - 1.86%) = 0.02658 = 2.658% Here, government securities yield esteem taken as hazard free pace of return. Cost of value is loan cost of value capital (Pratt Grabowski, 2010). Under capital resource valuing model, hazard factor of capital contributed is thought of. Hazard free pace of return is a pace of government securities, which are liberated from showcase chance. Estimation of beta is taken from Harvey Normans site. What's more, advertise pace of return is determined, it is appeared in reference section. 3) Business advance rate is 5.34% p.a. according to gave site of Westpac. Weighted normal expense of obligation for Harvey Norman By book esteem loads: Weighted normal expense of obligation = aggregate of weighted rate/aggregate of weight = 3.738/1 = 3.738% Here one kind of obligation (for example enthusiasm bearing advances and borrowings) accessible according to yearly report of Harvey Norman. Cost of obligation is 3.73% for both, current and non-current enthusiasm bearing credits and borrowings. So there is no divergence between cost of obligation and weighted normal expense of obligation. It tends to be comprehend by above estimation of weighted normal expense of capital. Weighted normal expense of obligation can't be dictated by showcase esteem premise since advances an

How to Ask Your Friends and Family For Money

How to Ask Your Friends and Family For Money How to Ask Friends and Family For Money  Asking your friends and family for money can be a dangerous proposition. Here are some best practices to make sure that it wont end in tears and anger.Unless you live in a post-capitalist society, you’re probably going to run into a financial emergency at some point. Hopefully, you have an emergency fund already prepared for something like this, but if not, you may need to borrow money to get through it.This is especially true if the financial emergency affects your car or your body or anything else that’s vital to your day-to-day life. If your credit is in a good place, you can take out a loan with a relatively low interest rate. If your credit is in a bad place, then your options are more limited.You might be tempted  to take out  a payday loan, but we would strongly caution against it. The payment terms are incredibly short, and if you don’t pay back the whole loan plus interest and fees in time, you’ll have to pay to extend the loa n. This is a quick path to a cycle of debt that can make everything worse.Getting an installment loan can be a better option, as you can work out a much more reasonable schedule. You’ll still need to be careful, however. Make sure that the lender wants some kind of proof of income and make sure the payments are amortizing, meaning that each payment covers some of the original principal as well as the interest. Otherwise, you could get scammed.Ideally, the lender should have an easy-to-access customer service line, so you can work something out if you’re ever worried you can’t make a payment. And of course, if your credit is shot, you’ll have to settle for a bad credit loan or a no credit check loan with less than ideal interest rates.But there’s one way to take out a loan with zero-to-reasonable interest rates, even if you have terrible credit. It’s called the First Bank of Friends and Family. It can be incredibly uncomfortable asking loved ones for help, but it’s an o ption worth considering.To borrow, or not to borrowBefore we get into how you should ask friends or family for help, it’s worth figuring out where that option should rank in your consideration.There are certainly obvious advantages to borrowing money from friends or family. Depending on how well you get along, you may not need to pay any interest at all. And if you’re relationship is on good terms, they should be more accommodating than a bank or other lender would be. And though you might feel weird asking, if you get taken in by a scammy title loan or payday loan store, you’ll be in a worse financial position should your friend or family ever need help one day.But some believe that asking friends or family for money should be a last resort option. “First of all, you should avoid asking them at all costs,” financial expert Debbi King (@DebbiKing) told us. “No matter what plan you have in place, there will always be a tenseness in the relationship possibly even after the money is paid back.”But if you do decide to ask your family or friends for money, you’re going to want to follow some ground rules.Make sure you have a planAs King mentioned above, you don’t want there to be any more hurt feelings or tension than is necessary. That’s why she suggests you: “Develop a plan that is beneficial to both parties â€" one that will help you out without hurting the family member or friend. And then aggressively plan on paying back the money before anything else.”She even offered a personal example from her own family: “Many years ago, my mom borrowed money from her dad to buy her first car. She was supposed to pay him back a small amount each month until it was paid. She actually paid him off every week and paid him much more than agreed upon. To her, paying my grandfather back was the most important thing right behind housing.“What she did 50 years ago still works great today. If and only if you must borrow from a friend or family member, as k as little as possible, go in with a payment plan, and then make it a priority to pay back.”Get it in writingIt might be uncomfortable to write out a contract with a friend or family member, but there’s a reason so many financial transactions require them. Jeff Campbell (@middleclassdad1), of NewMiddleClassDad.com shared a personal experience of his own to emphasize the importance of written contracts:“I lent my father a very large sum of money 10 years ago after he filed bankruptcy and had nowhere else to turn and had to go through the process of realizing he would never pay me back and how that impacted our relationship. The key in entering  any business arrangement with family or friends is to be crystal clear and transparent about everything.Putting the agreement in writing really helps; that way there’s no gray area and no surprises. It’s even better if the person lending the money looks at it more as a gift than a loan. When you have no expectations of getting repai d then there’s no disappointment when the family member or friend falls short of their agreement.Ultimately I had to look at my own loan to my father as a gift. If I hadn’t, I would have forever been resentful of his failure to repay it and it would have tainted my final years with him. In the end, I’d rather have those years than those dollars. Inevitably business agreements and partnerships fail because one person has a different expectation than the other and instead of discussing, it one just expects the other to do what they would do in that situation.At the very least having a specific written agreement eliminates the possibility of confusion or misinterpretation.”More tips  for borrowing money from  family and friendsCarla Dearing, CEO of SUM180 (@mysum180), also advised getting the deal in writing, and offered some additional advice:“1. Protect the personal relationship by creating a clear and fair repayment plan up front. Put it in writing and stick to it. Whether a legal document is created or not, your personal relationship depends on the borrower taking this transaction seriously.“2. Insist on paying interest at a rate of at least what your friend or family member would earn if he or she put the money in a high yield savings account. The truth is, with bank rates as low as they are these days (1-2  percent), by asking for a loan and offering to pay 4-5 percent interest, you could be doing your family member a favor.“3. Create a schedule for tracking payments on the loan and share it with your friend or family member. Knowing when to expect your payments and when the loan will be repaid in full should ease any anxiety your personal lender may have. You show your gratitude for the favor of the loan by making repayment as transparent and stress-free for them as possible.”Looking for a good sample contract? Well, we’ve actually written one for you! Check it out below. Hopefully, you’ll never need it, but better to have it and not ne ed it than to need it and end up broke.Personal Loan Agreement How to Ask Friends and Family For Money  Asking your friends and family for money can be a dangerous proposition. Here are some best practices to make sure that it wont end in tears and anger.Unless you live in a post-capitalist society, you’re probably going to run into a financial emergency at some point. Hopefully, you have an emergency fund already prepared for something like this, but if not, you may need to borrow money to get through it.This is especially true if the financial emergency affects your car or your body or anything else that’s vital to your day-to-day life. If your credit is in a good place, you can take out a loan with a relatively low interest rate. If your credit is in a bad place, then your options are more limited.You might be tempted  to take out  a payday loan, but we would strongly caution against it. The payment terms are incredibly short, and if you don’t pay back the whole loan plus interest and fees in time, you’ll have to pay to extend the loa n. This is a quick path to a cycle of debt that can make everything worse.Getting an installment loan can be a better option, as you can work out a much more reasonable schedule. You’ll still need to be careful, however. Make sure that the lender wants some kind of proof of income and make sure the payments are amortizing, meaning that each payment covers some of the original principal as well as the interest. Otherwise, you could get scammed.Ideally, the lender should have an easy-to-access customer service line, so you can work something out if you’re ever worried you can’t make a payment. And of course, if your credit is shot, you’ll have to settle for a bad credit loan or a no credit check loan with less than ideal interest rates.But there’s one way to take out a loan with zero-to-reasonable interest rates, even if you have terrible credit. It’s called the First Bank of Friends and Family. It can be incredibly uncomfortable asking loved ones for help, but it’s an o ption worth considering.To borrow, or not to borrowBefore we get into how you should ask friends or family for help, it’s worth figuring out where that option should rank in your consideration.There are certainly obvious advantages to borrowing money from friends or family. Depending on how well you get along, you may not need to pay any interest at all. And if you’re relationship is on good terms, they should be more accommodating than a bank or other lender would be. And though you might feel weird asking, if you get taken in by a scammy title loan or payday loan store, you’ll be in a worse financial position should your friend or family ever need help one day.But some believe that asking friends or family for money should be a last resort option. “First of all, you should avoid asking them at all costs,” financial expert Debbi King (@DebbiKing) told us. “No matter what plan you have in place, there will always be a tenseness in the relationship possibly even after the money is paid back.”But if you do decide to ask your family or friends for money, you’re going to want to follow some ground rules.Make sure you have a planAs King mentioned above, you don’t want there to be any more hurt feelings or tension than is necessary. That’s why she suggests you: “Develop a plan that is beneficial to both parties â€" one that will help you out without hurting the family member or friend. And then aggressively plan on paying back the money before anything else.”She even offered a personal example from her own family: “Many years ago, my mom borrowed money from her dad to buy her first car. She was supposed to pay him back a small amount each month until it was paid. She actually paid him off every week and paid him much more than agreed upon. To her, paying my grandfather back was the most important thing right behind housing.“What she did 50 years ago still works great today. If and only if you must borrow from a friend or family member, as k as little as possible, go in with a payment plan, and then make it a priority to pay back.”Get it in writingIt might be uncomfortable to write out a contract with a friend or family member, but there’s a reason so many financial transactions require them. Jeff Campbell (@middleclassdad1), of NewMiddleClassDad.com shared a personal experience of his own to emphasize the importance of written contracts:“I lent my father a very large sum of money 10 years ago after he filed bankruptcy and had nowhere else to turn and had to go through the process of realizing he would never pay me back and how that impacted our relationship. The key in entering  any business arrangement with family or friends is to be crystal clear and transparent about everything.Putting the agreement in writing really helps; that way there’s no gray area and no surprises. It’s even better if the person lending the money looks at it more as a gift than a loan. When you have no expectations of getting repai d then there’s no disappointment when the family member or friend falls short of their agreement.Ultimately I had to look at my own loan to my father as a gift. If I hadn’t, I would have forever been resentful of his failure to repay it and it would have tainted my final years with him. In the end, I’d rather have those years than those dollars. Inevitably business agreements and partnerships fail because one person has a different expectation than the other and instead of discussing, it one just expects the other to do what they would do in that situation.At the very least having a specific written agreement eliminates the possibility of confusion or misinterpretation.”More tips  for borrowing money from  family and friendsCarla Dearing, CEO of SUM180 (@mysum180), also advised getting the deal in writing, and offered some additional advice:“1. Protect the personal relationship by creating a clear and fair repayment plan up front. Put it in writing and stick to it. Whether a legal document is created or not, your personal relationship depends on the borrower taking this transaction seriously.“2. Insist on paying interest at a rate of at least what your friend or family member would earn if he or she put the money in a high yield savings account. The truth is, with bank rates as low as they are these days (1-2  percent), by asking for a loan and offering to pay 4-5 percent interest, you could be doing your family member a favor.“3. Create a schedule for tracking payments on the loan and share it with your friend or family member. Knowing when to expect your payments and when the loan will be repaid in full should ease any anxiety your personal lender may have. You show your gratitude for the favor of the loan by making repayment as transparent and stress-free for them as possible.”Looking for a good sample contract? Well, we’ve actually written one for you! Check it out below. Hopefully, you’ll never need it, but better to have it and not ne ed it than to need it and end up broke.Personal Loan AgreementDate of Loan:Full Repayment Date:Amount Borrowed:Terms of Contract:I, _______________, borrowed $__________on ______________, from __________________.Print borrower name Loan amount Date of loan Print lender nameThe money was borrowed for the purpose of __________________ and will be repaid, in full,Reason for loanby ________________.Full repayment dateThe loan will be repaid in: one payment / series of scheduled paymentsCircle repayment structureIf repayment will be through a series of scheduled payments:There will be _________ payments in the amount of $__________made on the following dates:# of payments Payment amountPayment NumberDate DueDate Paid123456789101112Interest and fees associated with this loan:Interest Rate (if applicable) Fees (if applicable)Example: $500 loan with 15% APR and fixed payments repaymentPayment NumberMonthly PaymentDebt Remaining1$95.83$479.172$95.83$383.343$95.83$287.514$95.83$191.685$95.83$ 95.836$95.83$0.00Monthly payments and debt remainingPayment NumberMonthly PaymentDebt Remaining1$$2$$3$$4$$5$$6$$7$$8$$9$$10$$11$$12$$If for any reason any scheduled payment is late, the following action applies:If loan is not repaid in full by repayment date, the following will occur:______________________________________ _____________Lender’s Signature Date______________________________________Lender’s Printed Name______________________________________ _____________Borrower’s Signature Date______________________________________Borrower’s Printed NameAdditional Notes/Witnesses Present:________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________For more information on  the best ways to borrow money when youre in a jam, check out these other posts from the OppLoans Financial Sense Blog:5 Alarming Payday Loan StatisticsHow to Avoid Bad Credit Loan ScamsIs Guaranteed Approval a Real Thing?Have you ever borrowed a large sum of money from a friend or family member? Wed  like to hear about your experience! You can  email us  or you can find us on  Facebook  and  Twitter.ContributorsJeff Campbell (@middleclassdad1) blogs on all things Personal Finance, Parenting, Relationships more at MiddleClassDad.com. He is a Dad, Husband, Martial Artist and worked for over 2 decades as a leader for Whole Foods Market.Carla Dearing, a Wall Street veteran, is the CEO of SUM180 (@mysum180), an online financial wellness service designed to be simple and affordable. Carla is also CEO of Vibrant Nation, the leading online community of women 35+, and CEO and Managing Director of IMC, a Louisville, Kentucky-based marketing services agency.Debbi King (@DebbiKing) is a personal finance expert, motivational speaker, an d the author of two award-winning books, “The ABC’s of Personal Finance” and “26 Weeks to Wealth and Financial Freedom”. She is also the host of a weekly radio show, “The ABC’s of Personal Finance”. Debbi has been featured in numerous media outlets empowering others to win in the area of money. In addition to her work, she is the founder and President of Lovell Ministries and is happily married with a beautiful 19-year-old daughter, 4 stepchildren and 5 wonderful granddaughters.

Essay on The Truth - 1288 Words

The â€Å"Truth† Every thought that ever entered our mind is a consequence of our struggle to reach out for the truth. Since our early age we have been thought to believe that there has to be right and wrong and we continuously searched for the â€Å"correct† answer. Unlike school’s multiple choice tests, life thought us that there is more than one correct answer. At one point we learned that some questions don’t have answers at all, or they are way too complex for our mind to understand them. Yet we never stopped struggling to reach out for the ultimate truth. In order for us to become closer to it, we classified the â€Å"truth† in many ways. Some of the ways to approach the â€Å"truth† are through math and science, art or our personal beliefs†¦show more content†¦All of our beliefs and thoughts are about the outside world and we would not have any of them if we didn’t â€Å"use our eyes†. Our â€Å"eyes† help us create and change wh at we believe is true. If we try to define the â€Å"truth† from a different perspective as an ultimate objectivity, or universality that holds for everyone, then our opinions or what we have â€Å"inside† could never be the â€Å"truth† since one person’s thoughts will never be the same as anyone else’s. The problem rises when people define the â€Å"truth† as an objective and that they see, know or understand it while everybody else is wrong. This is a great fallacy because what is objective to one person, for the uniqness of individuals, becomes subjective for a group of people. Therefore, no one can be either right or wrong. However, if one chooses to see the truth as an ultimate objectivity, then he must understand that his beliefs on what is â€Å"truth† are as wrong or as far from the â€Å"universal truth† as anyone else’s. There are two ways of knowing: searching for the â€Å"truth† within yourself, and searching the outside world to gain factual sort of information. They art both equally important. The only difference is that those two ways should be used to solve different problems. When it comes down to personal issues a person should refer to him/herself for the â€Å"truth† because that is the only place where it lays.Show MoreRelatedTruth And Truth About Truth912 Words   |  4 Pagessomething is the â€Å"truth† the definition of truth may vary from person to person; however, it is generally something that a person believes. What is the nature of this â€Å"truth†? How do us people know when something is the truth? These questions will be answered in this paper using two different approaches and how I interpreted them. In this paper I will describe what truth is and how it is attained by using two different sections of my reference, then I will combine them into wha t I think truth is as a wholeRead MoreTruth And Truth About Truth985 Words   |  4 Pages Truth Over Fact Truth is in the eye of the beholder. Truth and fact seem like equals. Isn’t the truth a fact, no the truth and facts can be complete opposites but still equally important. Truths are what we believe, while facts can be proven. Both truths and facts play important roles in our lives, but truths shape who we are. Facts may change how we do something, but cannot change who we are the way the truth can. Truths change how we approach our lives more than facts ever could. When theRead MoreTruth Is Not Moral Truth1273 Words   |  6 PagesMerriam-Webster defines truth as â€Å"the property of being in accord with fact or reality.† With one universe, which follows a definite set of laws, only one reality exists. Therefore, with one reality, only one, absolute truth exists. In recent years, with â€Å"social progress,† truth has been under attack. Many are not willing to accept the truth as it is, as they view absolute fact as offensive and emotionally damagin g. People are told that truth is relative; they are encouraged to tailor the truth to their opinionsRead MoreThe And Of The Truth990 Words   |  4 Pagessearch for the truth. Even though each sought new, unheard of, or at least not well defined answers to what were, in many cases, new and unasked questions, they did so with one portion of their findings already defined. Even Descartes, claiming to believe only the things that were proven without a doubt (35-38), behaved similarly to so many other early scientists in this regard. They almost all allowed one questionable theory to dictate the search for and even the presentation of the truth as they sawRead MoreWhat Is Truth About Truth Essay981 Words   |  4 Pages What is Truth? What is truth? Simply, it is knowing that something is right or wrong. But is it really that easy? The answer is as no. The problem with truth is it has a long history and has been a central issue in epistemology. In the first century, Jesus Christ was on trial, and in the gospel of John, chapter 18:38 Pontius Pilate asked Jesus Christ: ‘And What is Truth’? Ever since then, many philosophers have attempted to answer the question. According to Stanford Encyclopedia of philosophyRead MoreThe Whole Truth And Nothing But The Truth933 Words   |  4 PagesThe Whole Truth and Nothing but the Truth When a parent thinks about protecting their child, they may not consider protecting their child from the invalid information that is being taught in schools across the nation. There are many factors that go into publishing an academic textbook, but many of these factors rely solely in the political roots of the publisher. Textbooks today aim to impress children with vivid images and information that is easily understood and related to. Leaving out vitalRead MoreDifference Between Truth And Story Truth936 Words   |  4 Pagesâ€Å"I want you to feel what I felt. I want you to know why story-truth is truer sometimes than happening-truth† (O’Brien 171). When telling a story, people often exaggerate details, characters and other events in the story in order to make it more interesting. Why do people do this? Do they do it because they feel that the story lacked something and needs to be expanded upon, or is it something else. This way of telling a story is especially pre valent in Tim O’Brien’s book The Things They Carried, whichRead MoreThe Importance Of Knowledge And Truth. Truth And Knowledge1380 Words   |  6 PagesThe Importance of Knowledge and Truth Truth and knowledge are important traits that society should value in order to avoid ignorance. Without truth nor knowledge, society will be unable to function properly. Ignorance is very dangerous, for we can be easily manipulated by false information, and we will likely take the first piece of information given to us as fact rather than question it, and come to our own conclusions. If people don’t seek truth and knowledge, we run the risk of becoming intellectuallyRead MorePragmatism And Truth : The Pragmatist View Of Truth1530 Words   |  7 PagesPragmatism and Truth The pragmatist view of truth, as written by William James in â€Å"Truth is Established on Pragmatic Grounds,† is the view that the best way to define truth is in terms of beliefs that work. In other words, truth becomes a human manifestation of individual beliefs, where people believe what is better to believe, so long as it doesn’t clash with another â€Å"vital benefit† (Mulvaney, 297). I will argue that the pragmatist’s interpretation of the truth allows for confirmation bias to takeRead More Truth Essay578 Words   |  3 PagesTruth The question of right and wrong has been battled over for centuries. Many conservatives still believe that truth is absolute, while others disagree, saying that truth is relative. I believe that truth is an individual’s perception of beliefs and decisions. For that reason, truth differentiates among individuals thorough their contrasting opinions. But, truth is something that everyone believes to be correct. Thus, it greatly depends on what’s true in the minds of the people. On the contrary

Essay on Bipolar Disorder - 3259 Words

Abstract Bipolar Disorder is a mental illness in which a person’s mood alternates between extreme mania and depression. Bipolar disorder is also called manic-depressive illness. In a related disorder called cyclothymic disorder (sometimes called Bipolar III), a person’s mood alternates between mild depression and mild mania. Some people with cyclothymic disorder later develop full-blown bipolar disorder. Rates of bipolar disorder are similar throughout the world. At least fifteen percent of people with bipolar disorder commit suicide. Bipolar disorder is much less common than depression. Many people with bipolar disorder function normally between episodes. Medications known as â€Å"mood stabilizers† are usually prescribed by psychiatrists to†¦show more content†¦Critics of this research note that many creative people do not suffer from bipolar disorder, and that most people with bipolar disorder are not especially creative (E). SYMPTOMS Bipolar disorder usually begins in a person’s late teens or twenties. Men usually experience mania as the first mood episode, whereas women typically experience depression first (E). Episodes of mania and depression usually last from several weeks to several months. On average, people with untreated bipolar disorder experience four episodes of mania or depression over any ten-year period. Many people with bipolar disorder function normally between episodes. In rapid-cycling bipolar disorder, however, which represents five to fifteen percent of all cases, a person experiences four or more mood episodes within a year and may have little or no normal functioning in between episodes (H). In rare cases, swings between mania and depression can occur over a period of days or hours. The term ultra-rapid cycling may be applied to those who cycle through episodes within a month or less. If this pattern is demonstrated within a twenty-four hour period, the persons diagnosis could possibl y be phrased ultra-ultra-rapid cycling or ultradian.Show MoreRelatedBipolar Disorder ( Bipolar )847 Words   |  4 Pagesâ€Å"Bipolar Disorder† Bipolar Disorder is a mental illness, which involves hypomanic episodes, which are changes in someone’s usual mood. Originally, Bipolar Disorder was called manic depression because it does share similar symptoms with people diagnosed with depression. Bipolar Disorder is a severe condition because it can cause mania, which then causes hallucinations and paranoid rage. (Bipolar Disorder) Bipolar Disorder is classified into two categories, bipolar type 1 and bipolar type 2. BipolarRead MoreBipolar Disorder ( Bipolar )829 Words   |  4 PagesBipolar disorder is an often devastating mental illnesses, with high emotional, social and economic impact on the lives of patients and family members [Jin and McCrone, 2015; Miller et al., 2014]. In recent decades, there has been significant progress in developing diagnostic methods for reliably diagnosing severe bipolar disorder (bipolar disorder type I) and some related bipolar â€Å"spectrum† disorders (bipolar type II disorder), and there has also been recent progress in identifying some of the geneticRead MoreBipolar Disorder ( Bipolar )956 Words   |  4 PagesBipolar Disorder Definition Bipolar Disorder is an increasingly common mood disorder that effects millions of people worldwide. In order to understand the plight of any psychiatric patient suffering from this ailment or to be prepared to treat this disease, it is pertinent to first fully understand what this mental disorder truly is. The first misconception surrounding bipolar disorder is that it is just one disease, contrarily it can be divided into two different sub categories. The National InstituteRead MoreBipolar Disorder ( Bipolar )1010 Words   |  5 PagesIntroduction/Overview of Condition Bipolar Disorder (BD) is a severe mental illness (SMI) characterized by dramatic mood â€Å"swings† between manic and depressed states. In their manic states, individuals experience an abnormally elevated mood characterized by extreme, grandiose gestures and ideas, inflated self-esteem, lack of sleep, constant talking, distractibility, poor judgement, and even aggression (Griggs). Individuals can be characterized as having either a hypomanic episode or a manic episodeRead MoreBipolar And Bipolar Disorder ( Bipolar )1397 Words   |  6 Pagesâ€Å"Bipolar robs you of that which is you. It can take from you the very core of your being and replace it with something that is completely opposite of who and what you truly are† (A. Reyan 2015). Bipolar disorder is a mood disorder that alters a person’s life, they can never go back to who they were before. â€Å"It is estimated that more than 10 million Americans suffer from bipolar disorder† (everydayhealth.com 2015). Bipolar disorder is broken down into two types; bipolar I and bipolar II disorderRead MoreBipolar Disorder ( Bipolar )1536 Words   |  7 PagesBipolar disorder has been gaining more and more attention over the last few years. With shootings on the rise, or at least the publicity of them, people are often pointing their fingers at mental diseases including bipolar disorder. An ongoing issue regarding mental illnesses, however, is the population has failed to fully understand what they truly are, the symptoms, and how to treat them. Bipolar disorder, which is commonly referred to as manic-depressive illness, is a disorder within the brainRead MoreBipolar Disorder ( Bipolar )1447 Words   |  6 Pages Bipolar disorder is a serious mental illness in which common emotions become intensely and often unpredictably magnified. Individuals with bipolar disorder can quickly swing from extremes of happiness, energy and clarity to sadness, fatigue and confusion. Bipolar disorder more commonly develops in older teenagers and young adults; it can appear in children as 6. The exact cause of bipolar disorder is unknown; there are two types of this disease: Types of the bipolar disorder: People with bipolarRead MoreBipolar Disorder ( Bipolar )1155 Words   |  5 PagesBipolar Disorder Research Paper What is Bipolar Disorder? Bipolar Disorder is an increasingly common mood disorder that affects millions of people worldwide. In order to understand the plight of any psychiatric patient suffering from this ailment or to be prepared to treat this disease, it is pertinent to first understand what this mental disorder truly is. The first misconception surrounding bipolar disorder is that it is just one disease, contrarily it can be divided into two different sub categoriesRead MoreBipolar Disorder ( Bipolar )1541 Words   |  7 PagesManic depression, also known as Bipolar Disorder is not your normal up and down mood change; it’s not like what most people experience, getting a little sad and getting over it. Instead it is extreme mood swing that â€Å"usually going from EXTREMLY happy to EXTREMLY angry† also include emotional highs and lows such as, depression and mania. Mood changes can happen as little as a few times a year or as often as several times a week; it depends on the person and thei r environment. At times, you feel veryRead MoreBipolar Disorder ( Bipolar ) Essay1544 Words   |  7 PagesBipolar Disorder or manic-depressive disorder is a disorder characterized by highs, manias, and lows, depressions, and can therefore be easily distinguished from unipolar depression, a major depressive disorder in DSM-5, by the presence of manic or hypomanic episodes (Miklowitz Gitlin, 2014). Bipolar disorder is generally an episodic, lifelong illness with a variable course (American Psychiatric Association, 2010). There are two classifications of bipolar disorder; bipolar I disorder and bipolar

Clearing the Mind Weeds in a Counselling Profession Free Essays

string(40) " took risks that I was willing to take\." Response-ability says Perls, is a misused word. It â€Å"means the ability to respond: the ability to be alive, to feel, to be sensitive. † (GTV, 100). We will write a custom essay sample on Clearing the Mind Weeds in a Counselling Profession or any similar topic only for you Order Now It does not mean â€Å"obligation. † It doesn’t mean â€Å"duty. † Duty- what is that anyway? One way or another, it is something that I’ve been directed to do without asking why. I do it automatically, without accepting responsibility for my actions. This was the trait that saw me through the travails in my life where I moved from letting others be responsible for me to taking responsibility for myself. Perhaps this is what motivated me to pursue my goals without relying too much on my family resources. I learned early on not to assign the cause of my behavior to my parents or my past or even the wealth of my family. In the process I learned this most important value of responsibility that kept me grounded and helped me in my studies and work. However, it was not an easy journey. I cannot consider my life as an extraordinary this world had ever had. Each person has a story to tell and I must say mine is not really something different. While some people spend their lives with lots of colors around them, some just do not – and as much as I hate to admit, I spent many years of my life belonging to the second group. I go with flow and that has always been the case. It goes this way: I knew I need to attend school and so I did. I have to do well in school or else I will suffer from all the criticisms – the usual criticisms. It is never easy to live in other people’s expectations to the point that it is what they want that drives you. It is your body under their minds. I can now imagine how pathetic that was. All the while, though, I do not think I was as inspired as the rest of the class was. I did not make lots of friends from school. No big deal! But there were times when I also deal with thinking of the reasons for the ‘empty’ life. Those days would usually end with me getting no answer than ‘It must be me†¦Ã¢â‚¬â„¢ Although I acknowledge the fact that each of us has our own set of preferences and all the while, I lived in the thought that I just prefer to live my life like this – lonely, detached, alone. It was tiring when you care for no one and more when no one cares for you. In a way, my opinions have been changed because I have learned to create a balance in obeying orders. It was there where I learned that there is blind obedience that ignores all rationality and obedience based on freedom. Those involved in a transaction are independent—they can walk away from the deal if they don’t like what’s happening. And just as they are free to leave, they are also free to stay. In fact, if one is not free to walk away, he is not free to choose to stay. Some of my own teachers then helped me develop a sense of competence and love of learning. Though some helped me find my own directions and make my own discoveries, others taught me to follow orders and not ask questions. If I had enough teachers who cared more about their authority than about my growth, I probably would have left school more a robot than when I entered. I learned that to the degree that I’ve been conditioned in ways that block my process of growth, I act like a robot. Something happens near me and I respond. No time for choice, between the stimulus and the response. I’m reacting entirely to preprogrammed instructions in my memory. In examining the idea of obedience in the context of my schooling, I remember the works of authors Darymple and Milgram who provided two points of views. In doing so, I got several insights especially when I began examining the idea of the authors in the execution of orders. In the course of my study, I was able to see where the authors were coming from in their pursuit of obedience. I have learned that if I want to increase my power of authority, I can develop and cultivate my honor rather than seek honors, status, recognition and praise. Others will honor me when they know that not only do I have the capability to do what is necessary, I execute it in grace and honor. I started my career as an advocate of science and technology. Yes, my first degree was Bachelor of Science in Mechanical Engineering. I used to get fascinated with breakthroughs science gets to offer – all those inventions and advances in technology. Awesome! Hale great! Breath-taking! Fantastic! All those praises†¦ Nothing can beat the feeling of having invented something out of nothing. Or the feeling of being the one to drastically improve the current state of something for the benefit of people around the globe – it is always satisfying! But who could tell it was not really a career of my own choice? I was one of those high school graduates who do not really know what they want to happen in their lives. And so, without any particular basis, it was Bachelor of Science in Mechanical Engineering that I ended up with. I was aware of the good future this field has to offer. I have known of lots of people who have succeeded in this career who took up this course. I, at least, had this driving force to continue with my study. Fair enough to push me to strive harder and harder. I just told myself I need it or else I will end up with nothing. Looking at my Engineering career, I know that I took risks that I was willing to take. You read "Clearing the Mind Weeds in a Counselling Profession" in category "Papers" They were statements of who I am and who I am not. We can almost never know enough to be sure what is going to happen as a result of what we do. We can only guess, assume and expect, with varying degrees of certainty. At this moment, under these circumstances, with knowledge I have now, I make my choice. I live with its results. The conditions of my life today are the result of choices I made yesterday. Everyone â€Å"blows it† now and then. If I think clearly and act as honestly and wisely as I know how, that’s all I can do. We can’t help some of our suffering, but sometimes we ourselves create the rest. Now, I have learned to take my failures and my half-successes as a normal part of life. My â€Å"errors† and â€Å"defeats† sometimes teach me more than my successes. In an important sense, they are not failures at all. In the process, I learned interdependence. Interdependence asks, â€Å"What can we do and be together? † Interdependence asks the synergy question. It is not external but the power that focuses internally. It relies on the capacity that people have within themselves to be tougher on themselves, to push themselves harder when they are subsuming what they want in the cause of something that’s greater. Ultimately, that’s what sacrifice is all about – giving up what I want now for what I want the most. Giving up what does not matter as much, for what matters more. Sometimes the needs of the few are sacrificed for the needs of the many. Sometimes the sacrifice is just the reverse, and the needs of the many can accommodate the needs of the few. The needs of the few are worth the sacrifice and commitment of the many. Self-control, demonstrated in a group setting, is very powerful. Each person essentially says, â€Å"I give myself to it, because it is the right thing to do. † Many enjoy learning but they do not always like being taught. It requires humility. It requires recognition, first within and then to those who would teach you. It was at this phase of my life where I learned to be a true leader—one who is not afraid to learn new things and try out new ways of doing things. When a leader says one thing, the effect is intent listening and execution. The art of listening which I learned well at this point enabled me to come to the other person in terms that they understand, because I now approach them from their frame of reference, their desires, wants, and needs. Indeed, true leaders are able to connect with people well. I started my career as an advocate of science and technology. Yes, my first degree was Bachelor of Science in Mechanical Engineering. I used to get fascinated with breakthroughs science gets to offer – all those inventions and advances in technology. Awesome! Hale great! Breath-taking! Fantastic! All those praises†¦ Nothing can beat the feeling of having invented something out of nothing. Or the feeling of being the one to drastically improve the current state of something for the benefit of people around the globe – it is always satisfying! But who could tell it was not really a career of my own choice? I was one of those high school graduates who do not really know what they want to happen in their lives. And so, without any particular basis, it was Bachelor of Science in Mechanical Engineering that I ended up with. I was aware of the good future this field has to offer. I have known of lots of people who have succeeded in this career who took up this course. I, at least, had this driving force to continue with my study. Fair enough to push me to strive harder and harder. I just told myself I need it or else I will end up with nothing. Description of a Learning Event in Listening and Being Listened to I remembered an incident that was the turning point in my career. When I read the book on Teach only Love, I knew that I wanted to shift my course. I wanted to go into Counselling. There was something about the book that touched the innermost being in me. I wanted to shift my profession from Mechanical Engineering to Counselling Studies. These are far apart degrees and, yes, I did not see myself engaging in counselling. No, not even in my wildest dream. But this is not a dream. Yes, I am living in reality and the reality is that this is the vocation of choice. This is where I find myself, my heart. This is where I belong. It is true what the â€Å"magical† book says – that it is from your past where you draw your present. If not for the thousands of rejection, if not for the feeling of inferiority, if not for the lack of self-confidence, I do not really think this book would have as much effect on me as it had. I was so excited about it that I immediately told it to my best friend. I knew he would understand me more than anyone else. As I was telling him of my decision, I could see that he was getting listless. I saw him avoiding my eyes as soon as I uttered those words. I could not blame him. We both dreamt that we would finish the course and here I was bowing out on him. After a while, I responded, â€Å"You’re angry. † he says, â€Å"Why would I be angry? † I was sure that my friend was angry but resisted knowing his own anger because of his personal values in which anger is a wicked emotion. I knew that there was resistance to acknowledge this since he was terrified of losing control, unable to think of himself as angry because of our friendship. He seemed to be projecting his anger on me at that moment and I could feel it so strongly. In a way, I was able to gently tell him how he looks and sounds which made him aware and he then began to talk about his anger. At that very moment I felt like a real professional counsellor. I was able to gently guide him about his feelings, even if I was unsure of what to say at all. I knew that if I uttered the wrong words, he will walk out on me. But I gently drew out his feelings then. I tried to help him break out of his sullen, angry depression. Finally, he suggested that he punch a throw pillow bunched up in a corner of the couch in a corner of the student lounge. There were a few students around. He did not wait for my reply. He started punching, harder and harder, until he was breathing fast and deeply, feeling the relaxation. He did this several times, while I sat quietly, finally remarking on how much different his face looked—smoother, less tense , not so red under the eyes. He countered how clear his mind seemed, that it was the first time in several days that he really felt relaxed. I managed to ask him if those punches were meant for me because I was planning to change courses. He said, he thinks those were more of his angry feelings because he was obligated to take up Engineering when he wanted to go into the arts. In an instant, I empathized with him. I knew how it was like to take up something where one’s heart was not on it. He then began to talk quietly about his father, and how he wanted him to take up Engineering instead of Speech and Drama. After a minute or so of that conversation, I asked, â€Å"How do you feel now? † He was beginning to feel tense and angry again. The object lesson for him was (1) the need for physical release for his anger, and (2) the amount of control his thoughts exercised over his feelings (Ellis, 1966). The heart’s yearning The pent-up feelings seem to come mainly from either of two frustrations, my classmate was having feelings and thoughts which appear to be enormous, odd, scary, and feeling cut off from other people because of his own inferiority with our other classmates. I have learned from this incident that catharsis is often not enough. At some point in the helping process, the understanding, which comes with a careful analysis of anger, may be healing. My classmate was able to see his anger in the context of internal polarity or conflict, between desire for freedom and a sense of duty, and be liberated by the understanding. The precise descriptions of the anger experience helped my classmate by removing excess emotional baggage. Insight is curative, but most frequently, both client and counsellor will find additional action useful to manage anger. For me, this action is intervention, helping my classmate change attitudes about each of our decisions. It was a poignant moment I would never forget. I knew he wanted to lash out his anger on me. Although I appeared to be so passive all the while, in my heart I know I long for something. That something, however, is unknown. I do not know if I am just one those people who experience wanting something they do not exactly know what or looking for something they do not know, for sure, if existent. Can you just imagine how if feels to be in the dark? Be somewhere without any clear direction? They say that every little thing just takes a little of getting used to. Oh, well, probably, as I seemed to have been used to the feeling of being lost. It was sad but true. Despite the lack of light in my life, I never questioned the existence of the Great Someone Up There. I perfectly know he is there. I do not recall how often I scream for His help. Maybe not that often but, of course, I do. I do and in my heart, I know I am not essentially alone all the while. However, there are moments when I tend to question the number and quantity of challenges facing me. There seems to be an imbalance in load allocation. How come I felt so lost while others follow certain direction? How come I do not know what I want in life while others are so certain of what they want in theirs? How come I do not seem to possess enough reason to be happy and complete. I often envy happy and satisfied people, I must admit – but I do not harm to them. I just envy them, that is it. And more often than not, I wish I were in their shoes. In all the insecurities I have inside, there were times when I ask myself if this is something I caused. What is that something I failed to do? What is that something that I can probably change to make a difference? What could be missing? I have heard of success stories about people who started with nothing and ended up having the life they have always dreamed of. Can I not be one of them? My concern is never monetary. I did not wish for the whole world. I just want a piece of it – a piece of it where I can enjoy life to the fullest. I did not ask for extravagant things. What would a loner do with those? I doubt if anybody could really enjoy everything alone. I did not wish for fame. I have lived my life not having the attention of the whole world. I just want some compassion and feeling of belongingness. I did not wish for power as I have never ever seen myself mandating others or controlling the world. It could be that I long for power but that power is the power to appreciate and enjoy life, the power to make people see me as a sensible being worth the company, the power to contribute to the ‘real’ things in this world. In short, I was never a materialistic type. There are things I lack from within and that is something I longed for to fill in. I used to have a very narrow view of things in life. I exist. I have to live. I have to survive. I used to find the question, â€Å"What am I here for? † or â€Å"Why do I exist? † as cliche that should have been buried decades back. Come on! You are here because you are here and there is just nothing you can do about it! It is not a problem needing solution. It is just a situation that you have to live with. You are left with just two options – either you continue to exist or you end your own existence. Is that something needing some sort of profound thinking?! Life is as plain as that. You just have to go with the flow. The True Art of Listening Counsellors can provide instruction in observing and listening by making these skills an integral part of their ongoing activities. The dominant characteristic of observing and listening activities are often appropriate for poor readers or students in the primary grades. To believe that all students will learn the same things at the same time, at the same rate, and with the same degree of retention is sheer fantasy. In almost any classroom at any grade level, the range of students’ abilities, interests, talents, knowledge, previous experiences, personalities, learning styles, dispositions and needs is so great that it is staggering. This kind of individualized instruction has resulted from efforts to make teachers more responsive to individual students and their instructional needs. Activities that focus on observation skills emphasize things that children can observe; things that can include objects, behaviors or processes. Teachers need to adapt a curriculum appropriate to the needs of the students. Some of the best teaching resources for students with these kinds of learning difficulties are those teachers have developed themselves. Teachers could build most of the student activities. This will go into refining—that is, they will be tried out with students and then revised—but once developed, they can become resource to be used in future years. Before teachers can duplicate an activity, it would also be wise to share it with someone he/she can rely on for honest feedback—a colleague, or a fellow student teacher. One is almost certain to find that what one thought was perfectly obvious is not, and thus gain a chance to make appropriate adjustments before trying it out with one’s students. It is best to start small and then build the collection of materials slowly and steadily. Responsibility in everyday life From then on, after realizing the implications of these theories, I began to take responsibility for my life now at work and beyond–which involves self-management competency. Often, when things do not go well, people tend to blame their difficulties on the situations in which they find themselves or on others. I have learned that effective self-management does not fall into this trap. Self-management competency includes integrity and ethical conduct and personal drive and resilience. I agree with what Jay Greiner posits about the reason why it is most difficult to take personal responsibility for mistakes. It is because one feels threatened and insecure. The word responsibility itself is a misused word. More than postponing automatic assumptions, Perls, the renowned psychologist sees growth as a move from letting others be responsible to taking responsibility for oneself. Education in today’s environment will be successful if we formulate activities that are engaging as much as they are educational, and if we adapt to new technologies that will help complement classroom interaction. I have further learned that drive and resilience are especially important when someone sets out to do something no one else has done or when that person faces setbacks and failures. The responsibility aspect which Jay Greiner talks about will spur more insights about ethical dilemmas that arise at all levels in the business world. People, whether employer or employee, may face situations in their work or dealings with other people in which ethical dilemmas arise. The individuals in these cases are faced with ethical questions in their relations with customers, employees, and members of a larger society. More often than not, the answers to these questions are difficult because it involves weighing of values. Conflicting values in a given situation are not capable of compromise. One has to choose one over another. Sometimes, the ethically correct course of action is clear, and hopefully individuals act accordingly. But the answers are often not simple. The dilemma is most commonly presented when ethical concerns come into conflict with the practical demands of business. This is related to the proper obedience and responsibility that I discussed earlier. Knowing how to negotiate and persuade people would be very essential for the progress of my future career. Through interactions with various kinds of people in a potential workplace, I get to know particular complexities of people and use this to a good advantage. I believe that an effective leader is a pathfinder and a team builder. As pathfinders, he has to recognize needs and accommodate the legitimate needs and wants of all stakeholders by clarifying: Vision, Context, Direction, Location, Goals, Strategy, Purpose and Pace (Business Ethics). As team builders, he has to help others achieve as they create healthy, safe conditions for risk taking, help others become leaders, provide resources and be a resource themselves, help some move from dependence to independence, help others get things done; and help determine how people work together. In the course of my experiences as a leader in the fields I have chosen, I have come to understand how my social environment wants me to be, and why, I can more wisely choose which people and events in my environment I want to make a part of me, and which ones I don’t. Conclusion In summation, in order to become the person I want to be, I need to continuously identify my core competencies. Skills are to be developed according to the actual needs and not merely based on generalities and perceptions. Work-based learning will address this concern by integrating actual experiences and practices in developing new knowledge about the organization. Today, I now know that practice and theories must be merged together (Sill, S. 1958). People can overcome barriers to effective communication. They must first be aware that barriers exist and can cause serious problems. Then they must be willing to invest the effort and time necessary to overcome the barriers. Learning is a lifelong process. If I operate with the assumption that I do not have all the answers or insights, I allow myself to value the different viewpoints, judgments and experiences others may bring. Sometimes I cannot help but think how my life would have turned out had I stayed in the comforts of my home, not taking risks or venturing into the pursuit of my goals. In small ways, I may not even recognize that I do contribute to larger events that happen in this world. If anybody would ask me now if I regret giving up my first degree to pursue counselling, I will answer, â€Å"The sad past led me to a wonderful today. Every bit of failure and pain did not really lead me to regretting anything because in each of those, I learned. And in each of those, I grew – not just as a person for myself but as a person for other people. † And now, I no longer find the question, â€Å"What do I live for? † mushy. I can tell, with chin up, I live for others to appreciate their lives. I do not just exist. I live. I continue to learn through others with high hopes and belief that they also learn from me. As I act, others may take heart and be stirred to action too. But if I waited for things to just happen then in the comforts of my own home, I would have probably be doing things automatically without any awareness devoid of the colorful life I have led ever since I made my choice to be responsible and independent and not sabotage my ability to do things for myself. Part II Portfolio Counselling’s Role in Education The theories learned in the course is revealed as I look at it deeply and as I ponder on the experiences I had about the listening process and being listened to. What comes to be more alive to me now is the issue on Understanding. I learned that to be truly effective, the counsellor must have a thorough understanding of human behavior and be able to apply that understanding to the particular set of problems. For a moment, I knew that my experience with my friend was what I really wanted. This was actually what counsellors do with their clients. And I knew that I had the aptitude for it. In a way, it occurred to me that what I was doing at that moment was like the Person-centered approach which authors Embleton and colleagues (2004) were talking about. At that point I knew the person-centered approach was an effective model for both counselling and psychotherapy especially living in a complex world. (Embleton et al. , 2004). Diagnosis and the hypothesis-generating are critical and inevitable parts of the counsellor’s work. To understand human behavior means to have a set of concepts and theories that help to account for and explain significant human reactions and relate them to experiences. These concepts and principles provide the core for the counsellor’s diagnostic work. Counsellors use their understandings to talk to themselves about their own behavior as well as the concerns, actions, perceptions, emotions and motivations of their clients. With no theory, counsellors have nothing to say in their conversations. Counsellors who comprehend the role that an understanding of human behavior serves in their work, and who recognize the proper function of diagnosis, will work very hard to avoid the pitfalls in this area. It is part of their ethical responsibility. â€Å"How can I help? † As I uttered those words, I remember Higdon’s work on From Counselling Skills to Counsellor: Psychodynamic Approach, because it gave me a new understanding as he began talking. It was as if I was listening with another ear, able to comprehend the emotions behind those words and what he was really saying. (Higdon, 2004). So, I was able to cope with it well. Initially, I was about to call it quits. I had my own issues to attend to. But it dawned on me that his desire to punch the pillows was his desire to remove the cobwebs in his own mind about what he really wanted to pursue. When I really â€Å"heard† him, and listened to him from the heart, I understood that it was his own feelings that he was wrestling with. (Higdon, 2004). Catharsis is often not enough. At some point in the helping process, just as in this example, the counsellor must take advantage of a pause, the completion of some part of the session, or an explicit expectation of the client to help him move to a greater understanding of his anger and eventually to some new action or attitude. Ellis’ proposition that the way we think has a lot to do with the way we feel. Recently, I am reminded of the trend pursued by Meichenbaum (1974), which have very broad applications as a total system of therapy, and is particularly useful with clients whose anger shows righteousness or defensiveness as the dominant component, and many find it by far the most useful long-term approach. These theories became alive as I underwent that experience with my friend. How does it work? Ellis (1966) presents the basic paradigm to clients: (a) A stimulus takes place in your life; (b) you interpreted it in some way; and (c) you have an unpleasant emotional response (anger). Ellis’ Rational Emotive Therapy intervenes in the process at the second step, the interpretation, which, he says, comes from a faulty way of looking at life, a system of illogical thinking. The therapy consists of re-educating the client to think in a healthier, more appropriate way, by helping the client dispute the faulty thinking. This is the point at which many counsellors balk, because to keep at a resistant client with this kind of re-education requires a lot of conviction, ingenuity and persistence. There is a perversity that seems to want to keep the anger. One sees it in the client who resists the helper’s efforts to teach the ways his or her thoughts of being unjustly treated serve to maintain the anger. There comes a time in many helping situations at which the question is appropriate; â€Å"Do you want to give it up? † And the question: â€Å"If you give up the anger, what else do you have to give up? † Sometimes clients will say, â€Å"Yes, I want to give it up. But I can’t† Some clients will say, â€Å"Yes, I want to. Help me figure it out. † Some will say â€Å"I want to stop being so angry, but I don’t want to give it up altogether. † Some will say, â€Å"No. No, I don’t really want to give up. † Regardless of the answer, having the client state it explicitly usually puts the counselling at a stage to consider more accurately and profitably the realities of the client’s aims. If the client asks for help, the counsellor is in good position to offer the resources of his or her ingenuity. If the client wants to stop but not altogether, the counsellor can point out to the client that truth and its implication: â€Å"That is your truth; are you willing to take what comes with it? † If the client does not want to give it at all, the counsellor can take that as a statement of the client’s goals and ask how he can help the client work through the implications of the anger and how to minimize the ill effects of it. In sum, an important precept here aside from Understanding is Client Change. I believe that the ultimate purpose of the counselling experience is to help the client achieve some kind of change that he or she will regard as satisfying. Virtually every significant theory of counselling states that creating some kind of client change in a growth-enhancing direction is the ultimate intended outcome of the counselling experience. Some say overt behavior change is the sine qua non of the experience. Others say that behavior change is simply symptom change; real and lasting change comes when the client develops new perceptions about self, significant others and about life. This is what was glaring from this experience. Client change is often difficult to document. Behavior change, if it occurs, is probably the easiest to observe because it is the most tangible. However, clients may also change their views about certain behaviors that they previously regarded as undesirable—or they may change in the extent to which they experience stress related to an unwanted life situation—or they may change in a variety of other ways that involve internal experiencing. In spite of the difficulties of assessing some kinds of change, it seems that a counsellor who cannot describe the changes that the client ahs undergone has no basis for knowing when counselling has reached and effective conclusion. REFERENCES Center for Strategic and International Studies 2002, â€Å"What is globalization? † Retrieved Feb. 2, 2007 at: CSIS Globalization 101 WEBSITE on the World Wide Web: http://www. globalization101. org/globalization/ Business Ethics. Retrieved Feb. 2, 2007 at: http://www. amazon. com/gp/reader/0130797723/ref=sib_dp_pt/104-1829689-6709521#reader-page Ellis, A. (1966). Rational-emotive psychotherapy. New York: J. Norton. Embleton,Tudor,L. ,Keeras,K. ,Tudor,K. ,Valentine,J. and Worrall,M. (2004) The Person- centred Approach:A Contemporary Introduction. London:Palgrave Higdon,J. (2004)From Counselling Skills to Counsellor:A Psychodynamic Approach,Basingstoke:Palgrave Macmillan. Leading Quietly. Retrieved Feb. 2, 2007 at: http://www. amazon. com/gp/reader/1578514878/ref=sib_rdr_ex/104-1829689-6709521? %5Fencoding=UTF8p=S00Qj=0#reader-page Meichenbaum, D. (1974). Cognitive behavior modification. Morristown, N. J. General Learning Press, Perls, F. (1975). Growth in the Human Personality. New York: New York: Julian Press. Sill, S. (1958). Leadership Salt Lake City. Bookcraft, 48. How to cite Clearing the Mind Weeds in a Counselling Profession, Papers

Benjamin Franklin Essay free essay sample

Benjamin Franklin was born in Boston as the son of a candle maker. From humble beginnings, he grew into a renowned figure of American history. He became famous for being a scientist, an Inventor, a statesman, a printer, a philosopher, a musician, and an economist. Today, Americans recognize him for being one of our Founding Fathers and a prominent citizen of the city of Philadelphia. In his autobiography, Franklin shows that he desired self-improvement and in pursuit of this goal focused on improvements of four different types: Intellectual, moral, business, and social.II. BODY Franklins intellectual improvements were numerous. As a child, he had a thirst for knowledge. He exhibited a readiness to learn and read at an early age, and while in school, he rose to the head of his class and then skipped a grade. After Franklins father pointed out that he had a poor manner of writing, Franklin resolved to Improve not only his manner of writing but also his arrangement of thoughts in his written work. His ambition was to become a good English writer.In his young age, he also was intent on improving his language and when he got older he taught himself French, Italian, Spanish, and Latin. He used the library as a means of Improvement by constant study of one to two hours per day here. Franklin went to great lengths to achieve moral improvement. As a young man, Franklin developed a plan regulating his future conduct in life that he adhered to even in his old age. He wrote a list of moral characters that he would Like to possess such as temperance, frugality, and humility.He had thirteen categories In all that he wrote down In a book to carry with him. He had a separate column for each day of the week. He would pull out the book and mark which virtues he felt he had committed a fault in that day so that he may examine them and improve upon them. During the course of this practice, Franklin said that he found himself fuller of faults than he would have thought. But he had the satisfaction of seeing those faults diminish. His actions also showed that he strove for moral perfection.He thought excessive drinking was a detestable habit and abstained from doing so when his coworkers drank all day long. He spent no time in taverns, playing games, or displaying antics of any kind. He also believed In the importance of frugality and did his best to save money on housing. During the eighteen months he lived in London, he worked hard and spent little on himself except for the occasional play or book. It was his practice of frugality that lead to his wealth and distinction later in life. Benjamin Franklin had a Quaker friend that pointed out that he thought that Franklin had a problem with pride and so Franklin endeavored to be more humble. He attributed his humility, or sometimes his 1 OFF citizens. Franklin also strove for truth, sincerity, and integrity in all of his business dealings. Not only did Franklin improve intellectually and morally but he also made improvements in business. In little time after becoming an apprentice to his brother, he exhibited great proficiency in the printing business.He was able to take a failing newspaper and make it profitable by developing a better type and better print which led to an increase in the number of subscribers. He made a mold to be used in printing houses to combat the problem of equipment deficiencies. He also made a copper press to print paper money. He filled the spaces in Poor Richards Almanac with proverbial sentences for the benefit of its readers. Similarly, he made use of newspapers to communicate instruction. Franklin also contributed greatly to social improvements in his day.He formed a club of mutual improvement called JUNTA. He started the Philadelphia public library which was an institution that was imitated by other towns. He laid the ground work for a more effective city watch and started the first fire company. He established a Philosophical Society in Pennsylvania and also an academy that grew into the University of Pennsylvania. He invented a more efficient and economical stove known as the Franklin stove. He helped in the establishing of a hospital in Philadelphia and also in streets being paved.Franklin was generally successful in his attempts at self-improvement, excelling from an early age. He attempted to be the best person he could be and genuinely desired to help others. He convinced coworkers to stop drinking and spend their money of food instead and also loaned money to them. He loaned money to his friends, Collins and Ralph, even though they took advantage of him and never repaid their debts. He recognized that Skimmer was only using him to train his workers and then was going to fire him, yet Franklin still cheerfully put Skimmers printing house in order.Franklin was also always eager to help young beginners. He further demonstrated that he was not a self- promoter when he had a chance for a better business deal but declined because of the obligations he felt he had with his current partners. Ill. CONCLUSION Franklin has long been revered as one of the great figures of American history. As a Founding Father, he was instrumental in the early days of shaping the American government. Throughout his lifetime, he strove for improvement in intellectual, moral, business, and social areas and was successful in his attempts in each of these areas. He was a benevolent individual who desired to help others, and he authored his autobiography in the hope that posterity would follow his example and reap the same benefits References Benjamin Franklin: Glimpses of the Man. 1994. The Franklin Institute Science Museum. Http://www. If. Deed/Franklin/ (accessed June 4, 2012). Franklin, Benjamin. 1909. The Autobiography of Benjamin Franklin. Deed. Charles W. Eliot. New York: P F Collier ; Son Company. [ 1 ]. Benjamin Franklin: Glimpses of the Man. 1994. The Franklin Institute Science [2]. Franklin, Benjamin. 1909. The Autobiography of Benjamin Franklin.