Life circle theory of saving Free Essays

The existence Circle Theory of Saving instructs about the modalities, rules, and methodologies in whichâ families, governments, foundations should spare, design and deal with their budgetary resources for length and cut over as long as they can remember time. On account of a family or family unit, it places on how they ought to deal with their money related resources in a transferable way to cut across various occasions throughout their life hover, taking into perception the need to spare and accommodate retirements, just as their children’s training, purchase protection, among different necessities. Agreeing toâ â Zvi, B, Jonathan, T. We will compose a custom article test on Life hover hypothesis of sparing or on the other hand any comparable theme just for you Request Now Wiillen P. (2004), this likewise identifies with an organizations evaluation concerning what to pick as the default resource portion for a mandatory retirement sparing arrangement. This hypothesis offers different conversation starters to individuals and manages such principal issues with respect to the amount of their earned pay they should put something aside for the future; how to contribute what they spare; the sort of hazard they should give insurance,â incase of any projection; are they to purchase a house or lease one; is it better to get a fix rate home loan or can foresee a flexible one. As Zvi B. (May 2007) watched, the hypothesis concerns families, yet government strategy producers and firms that give life circle serves, and even instructor who help counselâ people in general to settle on educated decisions. LIFE CIRCLE THEORY AND AGGREGATE SAVING IN AN ECONOMY This idea of life circle hypothesis is valuable in understanding the total sparing in an economy. As indicated by Hayashi, F. (2007), total sparing is determined as normal putting something aside for all age sections in the number of inhabitants in a specific country. This is relied upon to be the equivalent or equivalent to the total reserve funds in the national record. In useful terms, sparing is the distinction between discretionary cashflow and utilization. It in this manner goes that if family units can expand their total reserve funds they will be in a superior situation to spare and plan well for their life circle. Floden, M. (Date not accessible) characterizes total sparing in a general balance model in an economy, as a circumstance, â€Å"Where interminably lived families face unpredictable salary ways, holds a hazard free resource, and face a liquidity constraints†. In any economy, when singular salary, or hierarchical pay fluctuates, or contrasts, at that point the total balance capital will be bigger than when it is steady. He sets further that when salary is stochastic, the harmony capital stock is consistently bigger than when it is steady. National investment funds to a great extent relies upon the pace of development and advancement of national salary. In any case, the reason forever circle hypothesis isn't to give obvious answers, rather it is to give a system for people, strategy producers and monetary organizers to give answers for the inquiries acted like showed previously. The gigantic variety in family unit salary and in the total investment funds in the economy will decide how organizers (just as families) will tweak their encourage to suit whatever reason they need to serve. Meaning OF INCOME. The Wikipedia gave different meanings of pay, yet essentially, pay, characterized as a rule terms, is the cash that is gotten because of ordinary business exercises of an individual; or cash got from work by method of work by method of compensation, compensation, tips, just as benefits, profits from money related speculations, as premiums, capital additions, or different sources as in government disability or premiums. Pay additionally is the cash gotten from work, administrations rendered, offer of property or products or from speculation made. There are various expound meanings of pay, however we will manage with the above definition with the end goal of this paper. Changeless INCOME AND LIFE CIRCLE MODELS. In the perspective on Roberts, S. (date not accessible), this is where individuals base their utilization on what they accept to be their customary salary. In this way, they attempt to keep up a genuinely consistent and stable way of life, despite the fact that their profit may differ either on month to month or yearly premise. This occurs such that their spending design are genuinely consistent independent of increments or diminishes in their earned pay. This speculation was created by Miltonâ Friedman in 1957. In the event that individuals see that an adjustment in salary is impermanent, their spending may not change, yet on the off chance that they watch it is lasting, it might fluctuate somewhat overall. DEMOCRAPHIC FUNDAMENTALS AND FLOW OF SAVING The segment essentials as it identifies with stream of investment funds in life circle hypothesis depends on the reason that youngsters acquire cash, they moderately aged class set aside their cash, while the elderly folks individuals (old) run down or spend their savings.â Consequently, a country with enormous populace of middle age will have high reserve funds, particularly as individuals plan to resign. Concerning the connection between the segment basics and the security marker, when the investment funds flexibly is high because of the high populace of the middle age reserve funds, the cost of stocks and securities falls. Additionally, when the flexibly is low, yield similarly increments. Loan fee EFFECT ON SAVING AND LIFE CIRCLE MODEL. Normally, loan fee, which is the pace of the expense paid on acquired resource, would consistently change in accordance with level up with speculation and reserve funds. Increment in loan cost influences how much salary left for utilization. On the off chance that the financing cost is expanded it implies less cash for utilization and venture, while, it is improved there will be probability of slight increment or consistent degree of utilization and speculation. It goes in this manner to state that an ascent in sparing would realize a fall in loan cost, in this manner empowering venture. Motel life circle hypothesis, the lower the financing cost, the almost certain utilization will increment, just as venture. Both in people just as organizations. As per a broad survey by Modigliani, FF Albert, A. (Walk 2005), in a world congress of the Economic Society in Barcelona in 1990. In attempting to affirm an extensive and standard proof on sparing and development in a creating economy, he said that, â€Å"Both development and segment structures are ground-breaking indicators of national sparing, with practically no job for the degree of national income†. Riches EFFECT ON LIFE CIRCLE MODEL The degree of riches in an economy bears a straightforward connection to the length of the retirement range, which is the middle age, the very class that sets aside cash the most. It is additionally consistent with state that the utilization of a family unit is likewise needy exclusively on the current estimation of their lifetime pay. For instance, if two speculators independently have a similar complete riches (financial riches) working life, and are similarly eager of certain wellsprings of pay in their staying working life, their utilization choices will be comparative or same, not disapproving of their salary profile. REEFERENCE 1. Albert, A. Modighiani, F, (March 2005). The Life Circle Hypothesis of Saving: Aggregate Implication and Tests. American Economic Review. 53 (1) 55-84. Angus Deaton. â€Å"Research Program in Development Studies and Center for Health and Wellbeing. Princeton University. www.princeton.edu/ 2. Floden, M.www.ideas.repec.org/p/hhs/hastef/0591.html 3. Hayashi, F. (2007) Understanding Savings: Evidence from the United States and Japan. Mama. MIT Press, 55 Haywad Press. Page 305. ISBN-10: 0-262-08255-1 4. Zvi, B. Jonathan T. Willen P. (2004). The Theory of Life-Circle Saving and Investment. Open Policy Discussion Paper. No. 07-3 5. Zvi B. (May 2007) 6. www.wikipedia.com 7.Robert S. Lasting Income hypothesis,â distributed in www.wikipedia.org Step by step instructions to refer to Life hover hypothesis of sparing, Essay models

Social Class and Inequality

Presentation There are a few mentalities that the white collar class and the rich have towards poor people. These perspectives originate from the conviction that the world is a simply spot and individuals get what they merit. On the off chance that one buckles down enough and endures the individual in question will be rich. Nonetheless, the destitute individual is in that state due to poor choices, for example, impropriety, wrongdoing and liquor addiction, absence of aspiration and perseverance.Advertising We will compose a custom paper test on Social Class and Inequality explicitly for you for just $16.05 $11/page Learn More These negative mentalities have made the white collar class and the rich separation themselves from poor people. The generalizing of the poor is the beginning of class separation. Poor people have been prohibited as the remainder of the country goes on with their lives. In this paper, I examine three articles on social class and disparity to see if the authorsâ €™ sees concur with mine on the negative perspectives towards the poor by the white collar class and the rich and the manner in which they have separated themselves from poor people. The war against the poor Herbert Hans, in his article the war against the poor rather than projects to end neediness is contending that administration authorities are not tending to destitution however rather making life hard for poor people. Government assistance costs have consistently been little anyway the spending plan is turning out to be increasingly prohibitive. Poor people are being blamed for getting a charge out of government assistance as opposed to searching for work and ensuring they stay childless all through their puberty. The white collar class and the rich feel they are buckling down and the poor are most certainly not. These needy individuals are lumped along with the crooks and blamed for making the boulevards hazardous. The poor have become a reason or substitute for the issues in the public eye. Rather than conceding the decrease in profound quality, the poor are blamed for being the main ones with unmarried darlings. When they get their life all together then they can get government assistance. They are being compelled to satisfy moral hopes that the common laborers and the rich talk yet don't rehearse (Hans, 2007, pg 506). Unmistakably class bias should be tended to. The poor have moral failings that are profoundly perceptible than the working class however it doesn't mean it is at a higher extent. The rich and white collar class approach directing offices to disclose to them their ethical failings is because of earlier maltreatment or disease.Advertising Looking for exposition on sociologies? How about we check whether we can support you! Get your first paper with 15% OFF Learn More The poor would prefer not to wed the dads of their infants as they are jobless. There is really shortage of work; it isn't accurate that the poor would prefer not to work. The administration should address neediness through effectively captivating in work creation activities and guaranteeing the real wrongdoing of the poor doesn't fall underneath a specific rate. Scrutinize The author’s sees on class segregation concur with my perspectives. He agrees that making a decision about the poor brutally for their ethical failings and the capacity to make sure about an occupation isn't right. The white collar class and the rich additionally have moral failings and the working class has likewise been encountering joblessness as employments are rare. Wrongdoing and psychological instabilities ought to be seen as a portion of the impacts of destitution. It isn't that poor people and generally the Blacks have higher criminal propensities. The working class and the rich to quit oppressing poor people and having somebody to fault. The creator has additionally featured different worries that I concur with. Hans says that the administration, government officia ls and open are making life harder for poor people. I concur with Hans that the emphasis ought to be on production of occupations for poor people. On the off chance that the nation doesn't quit assaulting poor people, the resolve, personal satisfaction and financial seriousness will just go down. Center of the class The article Middle of the class distributed in the Economists is a factious bit of composing that addresses the supportability of the American Dream. America has consistently been characterized as a nation where anybody can get rich or affluent on the off chance that they simply buckle down. Shows like American Idol demonstrate this. The nation has had presidents from humble foundations like Benjamin Franklin who was the fifteenth offspring of a flame producer. Anyway the equity of chance in America for every one of its residents is quickly reducing. The creator gives the measurable figures on how the rich have gotten more extravagant while the poor have become considera bly more unfortunate augmenting the pay hole significantly more. Furthermore social versatility has gone down. A lower and lower level of individuals can change the social class they are in through increment in profit over a time of ten years.Advertising We will compose a custom article test on Social Class and Inequality explicitly for you for just $16.05 $11/page Learn More There have additionally been changes in the economy with a move towards specialized aptitudes requiring laborers who have a college degree. This has caused a high increment of the pay hole among school and secondary school graduates. It has gotten hard to ascend the company pecking order or change employments in the event that one doesn't have a college degree. The creator recommends that the American culture is turning into an instructive separated society as it were a meritocracy. The ascent in college training is additionally giving an obstacle to white collar class families to go to tip top colleges. The po rtrayal of the wealthy in these tip top colleges has expanded more than the portrayal of poor people. The mean pay of the families that have enlisted their kids in Harvard is $150,000(The Economist, 2007, pg 528). During the period 2001-2004, States wound up confronting a spending crush. They reacted by expanding the expenses of state schools where the white collar class take their kids to learn. This demonstrates the American framework is authorizing more pay imbalances through instructive contrasts. The rich kids are bound to get a degree than a kid from the base quarter pay level. There is additionally a stressing pattern in the general public that further bothers class and instructive separation. The odds of an individual gaining admittance to decent instruction, a great job and great possibilities in life is dictated by the family the individual is naturally introduced to. School graduates will in general wed school graduates. In this manner in the alumni home the profits of th e degree is twofold and their youngsters advantage significantly more with chances to go to better schools. There is in this manner incredible difficulty in being poor. In the event that in the American culture to be socially portable you should have an incredible training, an occupation and wedded with kids then the rich beginning off with higher focal points. There should be approach changes where the strategy by which schools are financed is changed and giving progressively government help to less fortunate universities. This will possibly happen when the American government officials and people in general perceive there is a problem.Advertising Searching for paper on sociologies? How about we check whether we can support you! Get your first paper with 15% OFF Find out More Investigate The creator, similar to Hans agrees with my contention that poor people are being judged too brutally in the public eye. The explanation the poor can't bolster themselves isn't that they are sluggish or need aspiration. Or maybe there is a confinement on the balance of chance with regards to the white collar class and the poor in the corporate world. The nation is being influenced by globalization and innovation changes; in this way the necessity of a degree is getting obligatory. On the off chance that the stuff to prevail in the American corporate society is the fulfillment of a degree then the administration ought to guarantee that kids from every single social foundation approach this kind of training. Making instruction costs high doesn't help poor people and white collar class by any means. It just goes to irritate the existent disparities between the rich and poor people. As the creator has given insights, over the most recent couple of years the rich have been get ting more extravagant and the poor getting more unfortunate. The administration needs to step in and address the circumstance. At the point when Shelter Feels Like a Prison The two articles described on the generalizations held by society towards poor people while the article in the Economist talks about the enlarging hole between the rich and poor people. The two papers center around poor people. The third article composed by Charmion Brown recounts the author’s encounters experiencing childhood in a destitute haven. The genuine story further fortifies my contention on the removing of the poor by society. Considering her direct encounters in the spot she believes she can just look at it a jail. As a matter of first importance, the spot is confined with four lofts fitted in each small room (Browne, 2007, pg 531). There is definitely no protection. One needs to deal with their things or they will be taken. There is a line for nourishment for the destitute. The creator discover ed that on the off chance that you don't make the line two hours before the kitchen is open, one would miss food. There are no blinds in the restrooms yet the office is being shared by more than one hundred individuals. The creator felt like the spot was a jail. Scrutinize The author’s encounters in the asylum affirm my perspectives on the deserting of poor people and destitute in the safe houses. The creator describes how the social laborers are uncommon and lack the capacity to deal with them. It is a jail. The administration and open needs to quit forsaking the sanctuaries. The day to day environments should be improved. In my contention I had advanced the suspicions society has concerning the destitute individuals. They are not effective in light of the fact that they are sluggish. The creator alerts society and advises them that there were individuals from broken homes in the safe house because of medication misuse, AIDS and early pregnancy and not on the grounds that th ey are lethargic. The poor likewise need information on the most proficient method to improve their lives. End The three articles have gone further to strengthen my contention on t

a little bit of money can go a long way COLUMBIA UNIVERSITY - SIPA Admissions Blog

a little bit of money can go a long way COLUMBIA UNIVERSITY - SIPA Admissions Blog Students sometimes come to us asking for money to make up the difference between tuition and their savings.   Sometimes its as low as a few hundred dollars so wouldnt it be nice to know you have a scholarship to fill the gap? The American Foundation of Savoy Orders has called for applications for the 2014-2015 Savoy Orders Pigott Scholarships.   The scholarships are available for North American residents.   Three $2500 scholarships to full time undergraduate or graduate students majoring in the Humanities and Fine Arts or International Studies will be offered based on scholastic achievement and financial need. For students applying for the International Studies Scholarship, please note that students will be expected to periodically attend Non-Governmental Organization (NGO) briefings at sessions relating to the Economic and Social Council of the United Nations with which the Savoy Foundation is registered as a NGO. Scholarship recipients will be required to write brief summaries of each meeting they attend. A Foundation representative will supervise and guide the student’s activities at the United Nations.   Enrollment in a college or university within reasonable proximity of the United Nations is required. Please click here for the scholarship guidelines and the application.   Application along with required materials must be completed and received on or before May 15, 2014 in order to be considered.   Incomplete applications will not be considered. The American Foundation of Savoy Orders, Incorporated will notify 2014-2015 Savoy Orders Pigott Scholarship recipients by July 30, 2014. Please direct all questions regarding the application process or candidate eligibility to:   amsavoy@aol.com  or by calling 212.922.1100, ext. 245.

How to Really Cut Government Spending

If the U.S. Congress is serious about cutting government spending, it must eliminate duplication, overlap, and fragmentation in federal programs. That was the message U.S. Comptroller General Gene L. Dodaro had for Congress when he told lawmakers that as long as it keeps on spending more money than it collects, the federal government’s long-term fiscal outlook will remain â€Å"unsustainable.† The Extent of the Problem As Dorado told Congress, the long-term problem has not changed. Every year, the government spends more money on programs like Social Security, Medicare, and unemployment benefits than it takes in through taxes. According to the 2016 Financial Report of the U.S. Government, the federal deficit increased from $439 billion in fiscal year 2015 to $587 billion in fiscal 2016. Over the same period, a modest $18.0 billion increase in federal revenue was more than offset by a $166.5 billion increase in spending, mainly on Social Security, Medicare, and Medicaid, and interest on debt held by the public. The public debt alone rose as a share of gross domestic product (GDP), from 74%at the end of fiscal 2015 to 77% at the end of fiscal 2016. By comparison, the public debt has averaged only 44% of the GDP since 1946. The 2016 Financial Report, the Congressional Budget Office (CBO), and the Government Accountability Office (GAO) all agree that unless policy changes are made, the debt-to-GDP ratio will surpass its historical high of 106% within 15 to 25 years. Some Near-Term Solutions While long-term problems require long-term solutions, there are some near-term things Congress and the executive branch agencies can do to improve the governments fiscal condition without eliminating or severely cutting major social benefits programs. For starters, suggested Dodaro, addressing improper and fraudulent benefits payments and the tax gap, as well as dealing with duplication, overlap, and fragmentation in those programs. On May 3, 2017, the GAO released its seventh annual report on fragmentation, overlap, and duplication among federal programs. In its ongoing investigations, the GAO looks for aspects of programs that could save taxpayer money by eliminating: Duplication: circumstances in which more than one federal agency, or more than one organization within an agency, is involved in the same broad area of national need and opportunities for more efficient service delivery exist;Overlap: when multiple agencies or programs have similar or identical goals, engage in similar activities or strategies to achieve them, or target similar beneficiaries; andFragmentation: circumstances in which more than one federal agency is involved in the same broad area of national need. As a result of the agencies’ efforts to fix the cases of duplication, overlap, and fragmentation identified in the GAO’s first six such reports issued from 2011 to 2016, the federal government has already saved an estimated $136 billion, according to Comptroller General Dodaro. In its 2017 report, the GAO identified 79 new cases of duplication, overlap, and fragmentation in 29 new areas across the government such as health, defense, homeland security, and foreign affairs.   By continuing to address, duplication, overlap, and fragmentation, and without entirely eliminating a single program, the GAO estimates the federal government could save â€Å"tens of billions.† Examples of Duplication, Overlap, and Fragmentation A few of the 79 new cases of wasteful program administration identified by the GAO its latest report on duplication, overlap, and fragmentation included: Sexual Violence Data: The Departments of Defense, Education, Health and Human Services (HHS), and Justice (DOJ) currently manage at least 10 different programs indented to collect data on sexual violence. The duplication and fragmentation results on wasted effort and a lack of understanding of the scope of the problem in the United States.Federal Grants Awards: The National Park Service, Fish and Wildlife Service, Food and Nutrition Service, and Centers for Disease Control and Prevention lack processes to ensure that their grants do not fund duplicate or overlapping programs already being funded by other agencies.Foreign-Assistance Data Quality: As a key step to addressing the potential overlap in the collection and reporting of foreign-assistance information, the Department of State, in consultation with the U.S. Agency for International Development and OMB, needs to improve data quality to ensure consistency in publically available information on how foreign aid is distributed and used.Military Commissaries: By better managing and coordinating purchasing for it commissaries across all military branches, the Department ofDefense could save an estimated $2 billion.Storage of Defense and Commercial Nuclear Waste: By better coordinating the agencies collecting data and analyzing options for the permanent storage of military high-level nuclear waste and commercial spent nuclear fuel, the Department of Energy could potentially save tens of billions of dollars. Between 2011 and 2016, the GAO recommended 645 actions in 249 areas for Congress or executive branch agencies to reduce, eliminate, or better manage fragmentation, overlap, or duplication; or increase revenue. By the end of 2016, Congress and executive branch agencies had addressed 329 (51%) of those actions resulting in about $136 billion in savings. According to Comptroller General Dodaro, by fully implementing the recommendations made in the GAO’s 2017 report, the government could save â€Å"tens of billions more dollars.†

Essay on Undisclosed Desires for Nellie Washington

It wasnt too hot or too cold, it was the perfect weather. I lifted my hands over my head and took a deep breath. The grass was slightly moist from the rain last night. I stepped out into the bright sunlight, urging my muscles to wake up. Fall was literally around the corner and I was trying to enjoy the last few days of summer before the leaves started turning brown and everyone brought out the pumpkins and turkeys. I glanced at my watch and read the time. I had thirty minutes before school and I hadnt done anything to get ready. I hadnt even brushed my teeth yet or made my bed. I woke up, rubbed my eyes and came out onto the front porch. I had a valid excuse for waking up and going outside though, I wanted to catch her†¦show more content†¦Car troubles? Id say just to break the ice. Nellie would look at me and smile. Youre an angel, Ian! She would say in delight or something like that. And in my fantasy, shed have on a skirt that showed off her killer legs. No, I was not some pervert. I just thought Nellie Washington would look sexy in a skirt. Since I had never seen her in one, I couldnt really picture her as well as I wanted to. But this was not fantasy, it was reality and in reality Nellie was wearing grey skinny jeans and a grey t-shirt with some weird blue police box on it. It was the kind of shirt you saw on comic book nerds. As this is reality, and Nellie is a very responsible girl for her age, her car came to life and I was instantly disappointed. She pulled out of her garage and onto the empty street after she look both ways five times. I watched as she zoomed off down the road and headed over to the mailbox. There was nothing inside for me. Most of it was for my dad, a couple were for my mom and there was one for Matt, my younger twin brother. I hoped he hadnt gotten the last bit of Nutella. Matt was sitting at the kitchen table shoveling spoonfuls of cereal, muffins and cups of orange juice in his mouth when I walked in. Damn. He muttered as a bit of orange juice fell on him. Good thing youreShow MoreRelatedStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 PagesMichigan State University Philip Roth, Clemson University Dale Rude, University of Houston Holly Schroth, University of California at Berkeley Jody Tolan, University of Southern California Debra Schneck, Indiana University Marilyn Wesner, George Washington University Over the last editions this text has grown stronger with the contribution and feedback of the following instructors: David Abramis, California State University Chris Adalikwu, Concordia College Basil Adams, Notre Dame de Namur University

Why I need a degree in Christian ministry Free Essays

I am a devoted Christian with a calling to serve human kind so as to convert as many people as possible to Christianity.   For me, nothing makes more sense that preaching the word of God.   Although I believe that Christianity is a matter of spirituality and the Holy Spirit is largely responsible for teaching Christians and especially preachers and ministers the word, I appreciate the role of studying the Christian ministry. We will write a custom essay sample on Why I need a degree in Christian ministry or any similar topic only for you Order Now With an increasingly elitist society, more people turning lukewarm to the word of God, with an increasingly rebellious youth and society, it is the high time that Christian ministers changed their approach in preaching and teaching the word of God so as to address the emerging situation. Preaching the word of God today is different from what it used to be in the past three decades or so. The preaching of the word of God requires a combination of spiritual knowledge and formal knowledge acquired through studies. A lot of contemporary issues affecting today’s churches such as high rate of divorce and infidelity even amongst Christians is a cause for worry.   Even amongst the top leadership of churches, Christian leaders are often differing in the open on some issue affecting the society something which is threatening to tear apart the church. There is a need for church leaders to be equipped with leadership skills; these are only attainable through further studies. An issue such as the accommodation of homosexuals in the church is an example of an emerging challenge for the church leadership.   To handle the fresh challenges, a quality education and training in the word of God is very important.   Leading the church today needs managerial qualities as much as the spiritual issues. Studying a degree in Christian ministry combines teachings of the bible with other contemporary issues such as leadership.   A degree in Christian ministry is ideal for a church minister in that, a sense of management skills as well as leadership skills has become a necessity in the management of modern institutions. For me a chance to pursue a degree in Christian ministry will grant me the opportunity to gain the management and leadership skills.   These management skills gained in education helps a lot in the management of churches; some of which are big enough and have congregations of tens of thousands with a network stretching many countries. I am already a Christian and I really need the training given the fact that I am planting a church in Haiti, a foreign country, with different culture from mine and under a totally different environment.   I need a combination of skills so as to be able to lead the new church into prosperity.    In preaching, it has become very important for the preachers to balance the sermons in order to meet the diverse needs of the congregation.   For instance, there could be some members of the congregation who are faced with parenting problems, others who are faced with financial challenges and others could be faced with marriage problems. The congregations look up to the ministers for hope, inspiration and for assurance.   To meet the needs such as those mentioned above, preachers must be competent in such matters.   This requires training and for me; the need for a degree in Christian ministry. Additionally, it has become very important for preachers to change the approach in missions.   For example, taking the example of nations where Christianity has not yet reached everybody or is faced with stiff opposition, there is a need for preachers to use the professional approach.   For instance, there are countries whereby a Christian teacher can not be allowed to preach. If one is trained and they have a degree, such a preacher can go into that country not necessarily as a preacher but an employee of non-profit making organizations. Once already in the areas where preaching is forbidden, it is very easy to preach in a work station.   Therefore a degree in the Christian ministry allows an individual to fit in many situations where the services of a minister are needed. A lot of scholarly materials have been discovered in the course of time which has served to fortify the belief and faith of Christians.   The best place to learn about historical discoveries on Christian issues is in the university. A degree in Christian ministry gives the student good background knowledge on topics surrounding the church, which become very useful in the conversion process whereby converts may question some teachings.   For preachers who have been through the university, they are better placed to solve such issues. Conclusion I am a devoted Christian, a Sunday school teacher and a traveling missionary with an aim of reaching the unreached and delivering the good news to those who have not has the wonderful opportunity. I really would love to pursue a degree in Christian ministry if I am granted the opportunity. References Barkley, Nella, and Sandburg, E. (1995).   Taking Charge of Your Career.   New York:   Workman How to cite Why I need a degree in Christian ministry, Papers

Memoir Taylors Darkness Essay Example For Students

Memoir Taylors Darkness Essay Cigarette smoke has always been a comforting smell to me. My grandfather smoked for 50 out of the 75 years of his life, and he was what I associated that smell with; which was safety, love, and comfort. But, as this disgusting specimen blew his cheap menthol smoke into my direction I wasnt comforted. I was forced to stand by the door, and watch Taylor move all of her stuff into boxes, while this idiot rambled on about the stupid landlord, and everyone else being the problem. I had been to this place many times. It was our crash spot after parties so our parents wouldnt find out we had been drinking. In the morning, when they had left for work, we would all go back to our normal suburban life, and sleep until the next party. All of us, except Taylor. She lived in that crash spot. No parenting, no rules, no curfew; we all told her she had the perfect situation. Little did we know, it was all vacant. Freedom always comes with a price, and no one understood that better than her. But now, that crash spot was being taken away, her whole life ripped out from under her because of a stupid financial mistake. And her home on Anderson Street was moving all the way to Fort Worth, then later Michigan. However, she wasnt invited to the final crash spot with her former family in Michigan, and all of a sudden, I gained a new roommate, a sister, and a best friend. It was really hard trying to understand why Taylor was the way she was. We were polar opposites. Me, the average middle class white kid that lived with overbearing parents and a spoiled rotten younger sibling; and Taylor, the tossed around lower class black girl with a rotten attitude and a tendency to show up to class stoned. I dont know how we managed to come together, but something connected us in a way no one will ever understand. We formed a group, her and I. We were full of rebellious teenagers trying to fill a void with drugs and alcohol. What that void was from, I still dont know. But we bonded, nonetheless. And who I thought I was would change the day she moved in with me. I was excited; I had always wanted a sister. My brother never wanted to talk to me, and I never got to have that kind of a bond with anyone. Sure, it was a little cramped sharing an eight foot by ten foot room with someone, but I wanted to make it work. And hell, she was my best friend right? It would be like a slumber party every night of the week, we would be able to do homework together, nothing would slow us down. We had all the same friends, it would be fun right? Weve never fought before, so what could go wrong? Slowly, but surely, our differences decided to catch up with us. Our daily routines, the way we do laundry, what time we go to bed and what time we wake up, all decided to rub together and cause a big irritation that spread around the house. I’m a sensitive soul, everything I do I try to do to make people happy. Taylor, on the other hand, could not care less about what anyone thought or thinks about her. She does things to make herself and the people she cares about happy, and anyone that tries to get in her way, she takes down as quickly as they tried to stand up. One thing that tended to make Taylor happy, or at least dilute her feelings temporarily was alcohol. She had a strong aching for it all throughout high school, and quite a few times, brought me down that road with her, and put us both in a good amount of danger. .ucdb3e2540d54bf2e3edb7f8bf1942dd1 , .ucdb3e2540d54bf2e3edb7f8bf1942dd1 .postImageUrl , .ucdb3e2540d54bf2e3edb7f8bf1942dd1 .centered-text-area { min-height: 80px; position: relative; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1 , .ucdb3e2540d54bf2e3edb7f8bf1942dd1:hover , .ucdb3e2540d54bf2e3edb7f8bf1942dd1:visited , .ucdb3e2540d54bf2e3edb7f8bf1942dd1:active { border:0!important; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1 .clearfix:after { content: ""; display: table; clear: both; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1:active , .ucdb3e2540d54bf2e3edb7f8bf1942dd1:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1 .centered-text-area { width: 100%; position: relative ; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1:hover .ctaButton { background-color: #34495E!important; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1 .ucdb3e2540d54bf2e3edb7f8bf1942dd1-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .ucdb3e2540d54bf2e3edb7f8bf1942dd1:after { content: ""; display: block; clear: both; } READ: Meliville Sophocles Discussion EssayI liked to drink, because it drowned out the pressure I felt every day from my mother as she was vicariously living through me. Medical school, scholarships, perfection, were all topics I had to be lectured about daily so I wouldnt turn out like her; the school teacher married to a redneck with a drinking problem in the same boring job he would have for the rest of his life. That was her opinion she portrayed about herself unfortunately. I thought that we had it pretty good. We loved each other, we took care of each other, and we didnt have to worry much about whether we were going to make it or not. But that never seemed to be enough. A lot of pressure has been dumped on me. Everyone seems to think that they need something better than they already have. They dont appreciate what they have while they have it. Taylor needed to drink. She needed to escape from herself, and I was beginning to see that. She had a dark past, but a really bright future she was creating aside from the incessant drinking and smoking she was doing. As soon as I realized what was really happening, and what we were doing to our chances at a better future, I tried to be the influence that would bring her to see that she is so much better than her past, and she didnt need those things to be a successful person. For a while, and the year and a half that she was living with us, it worked. We went to school, the occasional party, but mostly we did what we needed to do to get ourselves through school, and be successful. In the end, Taylor’s darkness dominated the positive influence I had put upon her. My functional yet dysfunctional family life was too â€Å"boring† for her, and this summer she distanced herself from us, and left the life we had tried to give her for something that she thought better suited her. Sometimes I blame myself for not telling her how much we truly loved her, and how much she meant to us. But truly, the miscommunication was in our personalities, and in our souls. We are two different people, with two different goals for ourselves.