Is Divorce Right or Wrong Essay Example

Is Divorce Right or Wrong? Essay Divorce means that one Party regards the marriage as having broken down irretrievably. In modern society divorce is just a fact of life and one in three marriages now end in divorce and there are many factors that contribute to this that I shall elaborate in this essay. There is also a Religious aspect to divorce, in Hinduism only the lowest castes could divorce until 1955. In Islam only the man can issue a divorce. In Buddhism the couple make decisions based on the five precepts. In Christianity god is displeased with people who divorce faithful spouses-Malachi 2:14-16. In this essay the religion I shall concentrate on is Judaism. The Social Issues In this section I shall cover the social issues surrounding divorce, the reasons for the rise in the divorce rate and the way companies have exploited the rise in divorce rate. Even in todays society when divorce is common practice it is still a sensitive issue. Families are torn apart, children are traumatised and shared belongings must be sold even if they have sentimental value. There are a great many social issues surrounding divorce which I shall elaborate in this essay. We will write a custom essay sample on Is Divorce Right or Wrong? specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Is Divorce Right or Wrong? specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Is Divorce Right or Wrong? specifically for you FOR ONLY $16.38 $13.9/page Hire Writer One in three UK marriages fail and end in divorce but it can often be the best thing especially if children are involved. It is far better for children to have one parent than two that constantly argue. Despite the rise in divorce and its social acceptance in modern society it is still a personal tragedy. Reasons for divorce There are many reasons why a couple may choose to get divorced :money problems and unemployment ; their spouse has changed ; they are being taken advantage of ; and change in sexual orientation. The couple may also have found fault with each other or just realised how little they thought about getting married in the first place. The law Divorce in the UK used to be only obtainable for reasons of adultery until 1923 when a long string of law changes surrounding divorce began. In 1923 a new law allowing women to divorce under the same terms as men, in 1937 divorce because of desertion and insanity was introduced. Later in 1949 legal aid was made available, this enabled even the very poor to divorce. In 1969 a couple could divorce upon agreement after a two-year separation or without agreement after a five-year separation. In 1984 a couple could apply for divorce after just one year of marriage. In 1995 no-fault divorce was introduced and in 1996 you could divorce because of marriage failure after a period of reflection and contemplation. In the UK either party can now take the custody of children. Currently the grounds for a legal divorce are: * Adultery * Unreasonable behaviour, for example, lethargy, excessive drinking, violence, intimacy with another man/woman, keeping your spouse unreasonably short of money et cetera. * A two-year separation and them being in agreement over the divorce or without agreement after a five-year separation. * Two-years of desertion. How children and parents cope As previously mentioned divorces can be painful and emotional. These feelings are often greater when children are involved. The worries and heartache in this field is probably more acute than any other part of the divorce. I myself have no personal experience in this field but I know friends and family members who have. This is a difficult topic to deal with because many children will not speak about their parents divorce with anybody, not even their parents, so they must seek help from the Internet or a book. It is not within a childs ability to stop a divorce, the parents must decide for themselves. This can be discomforting for a child, especially a teenager, because it makes them feel that they are not in control of their own life. The parents must try to work things out before divorce and tell the child this to help them to agree that it is the best thing to do. The changes that happen in the childs life when their parents divorce can be discomforting but they must remember, and the parent must remind them that things will settle down. Some parents think that it is a good idea to let the child decide whom to live with and this is a good idea once the child is a certain age. Most importantly the parents and children MUST talk about the situation and how everything will be better afterwards, its better to have one parent than two who dont get along. The child(ren) must remember that a divorce is not the end of a happy relationship between the parents and that just because they do not lo ve each other it doesnt mean they love them any less. Children cope in one of three ways. The first way is to bottle the feelings up inside. This is a bad thing because this leaves feelings unheard and un-dealt with. This can lead to teenage self-harm, mental anguish or even suicide. If a child is in this situation and feels unable to speak to a parent about it they should call one of the many helplines which are available. The second way is to talk to a parent. This is a good approach to divorce and usually ends with the child understanding why it is best for the whole family unit. The final way is to talk to a friend with experience, a teacher or anyone who can help. If the child feels unable to talk to a parent this is another good way. Why has the divorce rate increased over the last twenty years? Taken from Thinking through religions by Chris Wright, Carrie Mercier, Richard Bromley and David Worden Over the past twenty to thirty year the rate of UK divorce has been going up finally reaching its peak of 155000 in the mid 1990s. Now the number of divorces is 141000 per year, that is one in every three marriages ending in divorce. The diagram above shows many reasons for the rise in divorce rate but there are others. The increase in life expectancy, although not an immediate thought, plays a vital role. If people live to be 70-80 then a life long marriage will be 50-60 years. In 1960 the life expectancy was 69 and in 1890 it was 48. This makes life-long marriages 20-30 years longer. Another factor is the end of the housewife. Women go to work as well as men meaning it is less practical to have big families and also creating a ripe environment for adultery. Now that divorcees can so easily remarry people are more likely to divorce whereas before very few people would marry a divorcee. If men are at fault the woman can now initiate the divorce, until 1923 only the man could start it now both parties can. The final reason is the acceptance of divorce in modern society. Divorced people would have been looked down on in the 1800s and early 1900s now they are nearly as common place as married couples. The exploitation of divorce and divorcees There is much exploitation of divorce and divorcees. In this section I will particularly focus on Quickcourt(r). Quickcourt are an American company from Arizona. A series of machines, which look like ATM machines, has been set up throughout Arizona. One partner has to go up to one of these machines and an on-screen councillor asks, Are you sure you want to get divorced? If the answer is yes then both partners details must be put in as well as the details of any children they may have. The machine prints out a form, which must be taken to a clerk in the court building. The marriage will have been terminated when he/she leaves the building in a process that takes under twenty minutes. In Arizona you can get divorced more easily than getting a driving license! Between 1994 and 2000 Quickcourt processed more than 10,000 divorces. The average age of the partners was 28. Quickcourt is an awful thing because it enables a divorce to occur without the knowledge of both partners. It makes divo rce just as easy, if not easier, than marriage. Quickcourt was designed to reduce the need for court staff and make divorce easier, but has it made divorce too easy? The Religious Issues-Judaism Although nowadays divorce is often thought as a strictly legal occurrence there is often still a strong religious element. As mentioned in the first paragraph, different religions allow divorce under certain circumstances, in some religions it is compulsory to divorce in certain circumstances. Marriage Marriage is greatly valued in Judaism because family and the home are the centre of religious practice. A man without a woman is doomed to an existence without joy, without blessing, without lifes true goodness, without Torah, without protection and without peace-Talmud. A happy marriage creates a good environment for bringing up a family. Marriage enables both partners to develop as complete individuals. The ceremony lasts twenty to thirty minutes, and consists of the kiddushin and the nisuin. Kiddushin is where the bride approaches and circles the groom. Over wine, two blessings are recited: one the standard blessing and the other regarding the commandments related to marriage. The man then places the ring on womans finger and says Be sanctified (mekudeshet) to me with this ring in accordance with the Law of Moses and Israel. Jews also believe that Jews should marry Jews because a non-Jew would not understand them however in modern Judaism out-marriage is common but it means the nu mber of very religious Jews is falling. Do not intermarry with them [, those of other lands and faiths]. Do not give your daughters to their sons or take their daughters for your sons, for they will turn your sons away from following me to serve other gods, and the Lords anger will burn against you and will quickly destroy you. Deuteronomy 7:3-4 Jewish Laws about Divorce Excerpts from the Torah (Old Testament Bible): A priest shall not marry a woman who has been a prostitute or a woman who is not a virgin or who is divorced; he is holy. Leviticus 21:7 A widow or divorced woman must keep every vow she makes and every promise to abstain from something. Numbers 30:9 If a man takes a wife and, after lying with her, dislikes her and slanders her and gives her a bad name, saying, I married this woman, but when I approached her, I did not find proof of her virginity, then the girls father and mother shall bring proof that she was a virgin to the town elders at the gate. The girls father will say to the elders, I gave my daughter in marriage to this man, but he dislikes her. Now he has slandered her and said, I did not find your daughter to be a virgin. But here is the proof of my daughters virginity. Then her parents shall display the cloth before the elders of the town, and the elders shall take the man and punish him. They shall fine him a hundred shekels of silver and give them to the girls father, because this man has given an Israelite virgin a bad name. She shall continue to be his wife; he must not divorce her as long as he lives. If, however, the charge is true and no proof of the girls virginity can be found, she shall be brought to the door of her fathers house and there the men of her town shall stone her to death. She has done a disgraceful thing in Israel by being promiscuous while still in her fathers house. You must purge the evil from among you. Deuteronomy 22:13-21 If a man marries a woman who becomes displeasing to him because he finds something indecent about her, and he writes her a certificate of divorce, gives it to her and sends her from his house, and if after she leaves his house she becomes the wife of another man, and her second husband dislikes her and writes her a certificate of divorce, gives it to her and sends her from his house, or if he dies, then her first husband, who divorced her, is not allowed to marry her again after she has been defiled. That would be detestable in the eyes of the LORD. Do not bring sin upon the land the LORD your God is giving you as an inheritance. Deuteronomy 24:1-4 If a man happens to meet a virgin who is not pledged to be married and rapes her and they are discovered, he shall pay the girls father fifty shekels of silver. He must marry the girl, for he has violated her. He can never divorce her as long as he lives. Deuteronomy 22:28-29 I hate divorce, says the Lord God of Israel. I hate it when one of you [humans] does such a cruel thing to his wife. Make sure that you do not break promise to be faithful to your wife. Malachi 2:16 Marriage should be for life but Jews accept that marriages can fail. In Judaism divorce is allowed and easily obtainable but it is never the best option. There is always an attempt to save the marriage and counselling by a Rabbi is common, here is an old Jewish saying that signifies their feelings to divorce, Whoever divorces his first wife even the altar sheds a tear on her behalf. The husband is, strictly speaking, the only partner allowed to initiate the divorce. In order to do this he must obtain a get from a rabbinical court (Beth Din.) Some progressive Jews allow the woman to obtain a get because without one the woman cannot remarry and a man cannot be forced to give his wife a get. The get is phrased in positive terms not signifying the relationships breakdown but stating that the woman is free to remarry. The reason that it should be the husband is because he entered the contract by giving her the ketubah. The actual divorce takes place three months after separation to ensure that the wife is not pregnant. The children of a divorced couple are illegitimate regardless of the position at their birth. The term no-fault is relatively new in terms of civil divorce but Jews accepted them as valid thousands of years ago. The Talmud sets down many valid reasons for a divorce including, she spoiled his dinner; he prefers another woman and he must divorce her if she commit adultery even if he wishes to forgive her. The get need not be delivered personally but can be couriered to the wife (or husband.) A civil divorce is not enough for a Jewish marriage to be at an end and without a get remarriage is adulterous and any children are bastards. Rabbis can force a man to divorce his wife if a medical condition has made him repulsive, when he neglects his marital contract or where there is sexual incompatibility. If a man goes to war he should give his wife a conditional get so that if he dies and no body is found the wife can remarry otherwise she becomes agunah meaning that she is anchored and cannot remarry. Conclusion In both civil and religious terms divorce is an awful occurrence for all those involved. It is, however, normally the best or only option. I have come to the conclusion that divorce is acceptable and should continue to be religiously and civilly legal. However, marriage should always be intended for life at the outset.

More Than and Less Than in Spanish

More Than and Less Than in Spanish Spanish has two common ways of saying more than and two corresponding ways of saying less than - but they dont mean the same thing to a native Spanish speaker and arent interchangeable. Tip for Remembering the Rule on More Than and Less Than Both ms que and ms de are usually translated as more than, while menos que and menos de typically are translated as less than. Menos de is also frequently translated as fewer than. Fortunately, the basic rule for remembering which to use is simple: Ms de and menos de normally are used before numbers. (If you like mnemonic devices, think D for digit.) Ms que and menos que are used in making comparisons. (Think K for comparison.) Some examples of ms de and menos de: Pronto vamos a ver el aceite a ms de cinco euros por litro. (Soon were going to see oilat more than 5 euros per liter.)El estudio dice que las mujeres necesitan ms de un hombre para ser felices. (The study says women need more than one man in order to be happy.) ¿Es posible sentir amor por ms de una persona? (Is it possible to feel love toward more than one person? Note that while una can mean a, it also is the feminine form of the number one.)Las temperaturas mà ­nimas descendieron a menos de cero grados. (The low temperatures fell to less than zero degrees.)Hay muchos alimentos con menos de 100 calorà ­as. (There are many foods with fewer than 100 calories.)Adquirir una vivienda de menos de un millà ³n de pesos en la Ciudad de Mà ©xico es complicado, pero no imposible. (Purchasing a home for less on than a million pesos in Mexico City is complicated but not impossible.) Here are some examples of comparisons using que: Nadie te ama ms que yo. (Nobody loves you more than I do.)Eres mucho ms que tus sentimientos. (You are much more than your feelings.)Gano menos que ella. (I earn less than she does.)Yo estaba ms feliz que un nià ±o con juguete nuevo. (I was happier than a boy with a new toy.)Me duele ms que antes. (This hurts me more than before.)Soy blogger y sà ©Ã‚  mucho ms que si fuera polà ­tica. (Im a blogger and I know much more  than if I were a politician.)Se necesitan ms manos que trabajen y menos gente que critique. (Needed are more hands that work and fewer people who criticize.) Note that a comparison takes the following form: Subject verb more/less than subject verbSujeto verbo ms/menos que sujeto verbo More Examples of More Than and Less Than However, in both Spanish and English, the noun and/or verb in the second part of the sentence can be implied rather than stated explicitly. In the final sentences given, for example, both the noun and verb are omitted in the second half. This hurts me more than before (Me duele ms que antes) has the same meaning as This hurts me more than it hurt me before (Me duele ms que me dolà ­a antes). If you cant readily expand a sentence to such a form, then there is no comparison being made. Here are some more examples using ms de and menos de. Note how these sentences cant be restructured the same way a comparison can: La Wikipedia tiene ms de 100.000 artà ­culos. (The Wikipedia has more than 100,000 articles.)El estudiante promedio necesita ms de cuatro aà ±os para obtener su tà ­tulo. (The average student needs more than four years to earn his or her degree.)Son menos de las cinco de la tarde. (It is not yet 5 p.m.)Menos de uno de cada tres espaà ±oles con derecho a voto apoya el tratado. (Fewer than one out of three Spaniards with the right to vote support the treaty.) In those rare cases where ms de or menos de isnt followed by a number, de usually can be translated as of or about, never than. Le deseo muchos aà ±os ms de felicidad. (I wish you many more years of happiness.)Quiero saber ms de los dinosaurios. (I want to know more about dinosaurs.)Nike Air: un poco menos de dolor. (eslogan publicitario) (Nike Air: A little less hurt. (advertising slogan) An Exception to the Number Rule Where a comparison is being made, ms que can be followed by a number. Example: Tiene ms dinero que diez reyes, he has more money than 10 kings. To use de in the just-given example would be nonsensical (unless rey were a unit of money). There are a very few cases, however, where the distinction between ms de and ms que can eliminate an ambiguity thats present in the English more than. Take, for example, a sentence such as he can eat more than a horse. The sentence could be translated to Spanish in two ways, depending on what is meant in English: Puede comer ms que un caballo. (He can eat more than a horse can eat.)Puede comer ms de un caballo. (He can eat a greater amount of food than eating a horse.) The first example above is a comparison, while the second is not.

Amazon-Branded Smartphones Essay Example | Topics and Well Written Essays - 2000 words

Amazon-Branded Smartphones - Essay Example Have you heard about OpenSSL or SSL? SSL means Secure Sockets Layer. It is responsible for hiding your information if you logged in on a certain website. It is also responsible for hiding administrators’ and webmaster’s credentials for a particular site. What is OpenSSL then? It’s open-source software. SSL is being implemented across the web using OpenSSL. OpenSSL is a component of a widely used program to run a website like Apache and Nginx. Hence, a vast number of websites are at high risk of Heartbleed. Â  Most questions raised by internet users if it is safe to change their passwords in the midst of the big issues. It is advised that if the site’s operator does not confirm yet that a particular site is already safe from Heartbleed, stay calm, and reset your passwords if it’s already safe. There is no effect if you are going to change your passwords in the midst of the vulnerability issues and would just give hackers the chance to discover your new passwords. Is there a way a user can check if the site he joined in is vulnerable of Heartbleed? Yes. LastPass is a program and a great tool for checking if a website is secure or infected by Heartbleed. It will check the website’s very core if it has traces of OpenSSL vulnerability. LastPass, aside from checking a website security, it will also give a free access to its tool that will remember all the user’s passwords. LastPass will encrypt and protect passwords. The user will then access his online accounts using a single login password or entry through LastPass. Â  The most important thing that we can do during this unsecured times is to stay calm. We can do a lot of things to protect our accounts online, but we can only do the best response to Heartbleed if we will stay calm. Don’t panic. If you are a banker online, do not worry, because most bank accounts do not use OpenSSL.

CASE STUDY Example | Topics and Well Written Essays - 1000 words

Case Study Example The research objective is a set of goals you set for your marketing research. This is very important part of your research as it tells what do the researcher hope to achieve and why is s/he carrying out the research. (Koch) For our research problem, the specific objective is to find out what kind of customers shop at the store and what their preferences are, shopping style, shopping style, behavior and demographics. The outcome of this research will be used to design marketing strategy according to the needs of the customers, and providing them what best fits them. In this research, they should go for Primary as well Secondary research. Primary research will be of prime importance they actually need information on customers characteristics. This information can be found out with the help of detailed questionnaire, interviews, and mall intercepts. The use of Secondary sources is also important because researchers will need to look at the past researches done by the mall, and see a general buying behavior among the shoppers of the city or region. Once you have outlined the sources of your required information, you look into the details of how this information will be extracted. In this scenario, we need to find the characteristics of customers who come at the mall. The research conducted will be qualitative as well as quantitative. The quantitative research will involve questions that need use of words to express. There will be very few questions that can be answered in a quantitative manner. By qualitative analysis, the researcher can find out the answers for every unique customer, his/her beliefs, insights, opinion, preference, experience etc in words. These things cannot be measured in numbers, they are unique for every human

Signs of Elder Financial Abuse

Signs of Elder Financial Abuse CHAPTER 1: METHODS AND TACTICS OF AN ELDER FINANCIAL ABUSER Our families, communities and state legal system have worked in recent years to protect our loved ones from elder financial abuse. That said, families with elder adults still share a deep fear about the physical, mental and financial safety of their loved ones. Elder abusers, however reprehensible, often find ways to circumvent the protections that our families and society provide our senior citizens. Wrongdoers have their methods and tactics, and its our responsibility to counter them at every turn. If they think theyve gotten away with hijacking estate or trust assets, trust litigation attorneys should make them pay under the full weight of civil law. In my practice, which likely mirrors our country at large, the following are the five most common ways elder financial abuse happens: 1. Caregiver Abuse When a Michigan trial judge dismissed a familys lawsuit against a home care company for sending a caregiver with two felony criminal warrants to care for a man in his 80s, the national press erupted with questions about how this could happen. In this particular case, a caregiver company Kentucky-based ResCare sent a woman to a retired Detroit-area businessman to look after his ailing wife, who had dementia. It didnt take long until the wifes jewelry began to disappear, as well as the businessmans fortune. Court filings estimate the losses to be as high as $1.5 million. The caregiver, if she could be called that, moved the businessman out of his bedroom into the basement of his lakefront home and moved her mother into the home. The businessmans wife died, and within months the caretaker married the businessman. When the businessmans family members finally intervened and removed him from his home, his finances were in a shambles. He didnt have bank accounts with positive balances or working credit cards. He had his social security monthly payment thats it. The Michigan businessman and his family are simply representative of the widespread abuse affecting our growing elderly population. I have handled a number of cases where predators, posing as legitimate caregivers, soon take advantage of the elderly. This misconduct includes physical and medical neglect often coupled that with embezzlement and theft. The Michigan case didnt work out well not that any of these abuse cases by nature work out well. Even with a partial financial recovery, the seismic emotional repercussions stemming from misplaced trust dont easily recede. 2. Financial Exploitation Financial exploitation takes many forms. Every day, even though I have been counseling families for decades, I am regularly surprised. The sale of an elders medications; grocery bills more attributable to cash withdrawals taken by caregivers than bread and milk purchased for the elderly; lawn service for a small yard at $300.00 per week; money used for gambling; medical care and dental care neglected because of the theft of funds; and assignments of bank accounts into joint tenancy with a wrongdoer. Most families with victimized elders could readily add to the list of the ways elders are financially exploited. Vigilance helps. Here are some examples of vigilance: Be very careful and take precaution when hiring caregivers. Simply hiring a caregiver company is not an insurance policy against wrongdoing. Watch your elders bank accounts particularly withdrawal activity or changes in accounts. Sometimes the horse is out the barn door before you discover bank transfers but it is still better late than never (or a year later). Be careful and inquiring when you hear that your elder has been making frequent trips to the bank. Be vigilant in watching your elders mail. We have seen circumstances where financial information is hidden from the view of the elder and his or her relatives. This is a sign of great danger. Some financial advisors believe that an elders credit report should be ordered periodically. This could also be a good canary in the coal mine. We have seen cases where social security checks were cashed by wrongdoers. Direct deposit of social security checks, retirement and dividend checks provide some distance between a wrongdoer and your elders money. Review receipts from vendors (grocery store, pharmacy, Costco etc.) for goods purchased for your elderly relative. We have seen wrongdoing first discovered in this review. A $350.00 receipt from the local grocery store showing a $200.00 cash withdrawal can make even the most oblivious suspicious. Watch for service scams. New heaters, air conditioners, garbage disposals or lawn irrigation systems sold at a large premium are not unusual. Reverse mortgages can be a blessing or a curse. Reverse mortgages may provide a large lump sum payment or a stable predictable monthly income to senior adults, but money coming from reverse mortgages may also be a large tempting cookie jar for unscrupulous caretakers or relatives. More than once have I seen reverse mortgages paid to vulnerable senior adults with questionable capacity. The existence of a reverse mortgage is often not discovered by the senior homeowners family until the senior has passed away. 3. Misuse of Powers of Attorney Durable powers of attorney can be a great legal vehicle for senior adults to appoint a trusted agent to handle health, legal and financial matters. Such powers, when used with prudence by trusted family members or agents, provide legal protection when and if the senior becomes incapacitated or incompetent. Such powers when used correctly are an unfettered blessing. If misused, such powers can destroy a lifetime of planning. The effective and prudent use of durable or medical powers of attorney brings no headlines. In the same way, misuse of such legal vehicles is often kept secret and only met with incredulity by relatives when discovered. We have seen a number of incidents where powers of attorney were misused at the end of life of an elderly adult to benefit the holder of the power of the attorney. Examples of misuse include: The transfer of real property to the holder negating trust provisions that provide for a different distribution; entry and seizure of safe deposit personal property coupled with later denials of the existence of such properties; dramatic changes in bank accounts that are inconsistent with will or trust provisions; and transfer of vehicles. Some holders of medical powers of attorney have misused their powers to prevent family members from visiting the hospital bed of a gravely ill or dying relative. California has recently addressed this issue in legislation making such abuse much more difficult. In the meantime stories abound about how a son or daughter, grandson or granddaughter, could not visit a dying relative because a stepmother or stepfather prevented the visit. If these problems were not so common there would be little need to address it. For those who face the issue, they should immediately contact a lawyer familiar with elder abuse laws. Medical facilities should also be aware of their own limitations is preventing visits. 4. Isolation and Freeze-Outs Isolation of elders from their families, neighbors and loved ones is an all too common occurrence. Changed door locks, new locked front gates, mobile telephone seizures, failure to answer or open the door to visitors, and unreported removals of elders from their homes are part and parcel of isolation. These actions cause family members to fear for the safety of their loved ones and also may create a sense of helplessness. Unfortunately, such conduct is common. For Californians who encounter isolation or freeze-out abuse, the first step is to call Adult Protective Services or its equivalent. Local law enforcement agencies also often have task forces that deal with such abuse. Civil lawyers skilled and experienced in elder abuse issues can assist in such contacts and can also address such issues in civil filings that include restraining orders and other appropriate measures. Words of warning while isolation and freeze-out conduct might be obvious to the family member of the elder, such conduct may not be as obvious to authorities. Criminals and wrongdoers do not usually jump at the chance to admit guilt. While there is no excuse for elder abuse, wrongdoers will readily provide excuses. Common excuses include I had to keep everyone away because they just upset the elder; We had to move Grandpa to Arizona because they had the best medical care there; I had to keep Aunt Bessie from the phone because she only got upset when she heard from her relatives; Of course I had to keep my dad away from my sisters and brother because they are greedy and they only wanted to get his money; and I needed to protect my uncle because he was afraid that his children were going to hit him, push him down or lock him up in a mental asylum. Dont expect the isolator to readily admit that she bought her boyfriend a new Harley with grandmas money, that the house and surrounding are a pigsty because she is doing meth, or that all of grandmas jewelry was sold to support her drug habit. Youve got to dig at it when your loved one is isolated when you are frozen out. The process can be demanding, frustrating, and can cause anxiety. Still dont turn your back on your elder do something protect the vulnerable. 5. Unwarranted Transfers First, an obvious acknowledgment: families often have difficulty in transferring an elderly family member to an assisted living or nursing facility in situations where it is absolutely in the seniors best interests to have such a transfer. Id venture to say that most transfers are absolutely warranted and done with love and care for the senior. It is the unwarranted transfers, coupled with wrongdoing, that can petrify family members. The common setting for unwarranted transfers is the presence of a family member maybe a stepbrother or stepsister who is estranged from the seniors other children and family members. For whatever reason, and by whatever treacherous means, the wrongdoer is able to get the elder into his or her home and get the elders estate plan altered. Once the estate plan is effectively altered, it can be Katy bar the door for change. More than once we have seen circumstances that the senior is transferred against his or her wishes to a facility geographically removed from other family members. In the meantime, personal goods and family mementos are often discarded or hidden. These actions often cause even greater anger than money transfers. You simply cant replace photographs, family heirlooms, military awards, or personal collections with money. The discarding of important family treasures is an affront to the remaining family members a complete disregard of important family history and a glaring mark of the greed of the wrongdoer. Difficulties abound when trying to address unwarranted transfers. First off, the senior often lacks capacity. So what do we look at when the senior lacks capacity? One way to deal with an incompetent senior is to seek a conservatorship of his or her person and estate. This is not without complications. Does the senior really wish to be supervised by a stranger or even a benign family member? Conservatorships can be expensive and time consuming. Prospective conservatees are afforded counsel public defenders or otherwise. The costs of such counsel is paid from the conservatees estate. Courts are often reluctant to appoint conservators even for those with great impairment it is the taking away of ones freedom, even if such freedom increases vulnerability to scams and unscrupulous people. Detecting the Tactics of Elder Financial Abuse The sooner elder financial abuse is detected, the better the chance for recovery of estate and trust assets on behalf of the victims. So what are the typical signs or red flags to look out for? According to the guidelines of National Adult Protective Services Association, the following factors should be watched closely to avoid a potential personal tragedy and financial disaster: 1. Liabilities Unpaid Bills: What if an elderly loved one should have the means to pay the bills every month, but somehow their utilities get shut off? There might be more in play than just a seniors faulty memory a bad actor may have made off with money from the elders accounts, leaving the victim high and dry. 2. Surrender of Oversight: Very often we see cases of a new friend, neighbor or opportunistic relative appearing on the scene to offer their help in managing the elders financial account. At times they even succeed in gaining power of attorney. This effective forfeiture of oversight should be looked into closely for other indicators of suspicious activity. 3. Suspicious Withdrawals: As any good investigator will tell you, follow the money. When financial accounts begin registering unexplained withdrawals or checks set to cash, its time for you to speak with bank employees and get further details on whos making these transactions. 4. Vanishing Assets: Another tell-tale sign of elder financial abuse is when valuables begin to disappear. Suddenly an elders jewelry, cash or financial documents like stock certificates vanish, and the perpetrator takes to living lavishly with new purchases of fancy attire, vehicles, property, etc. 5. Changed Estate Documents: Wrongdoers who commit elder financial abuse will often seek to legitimize their predatory behavior with the stamp of legitimacy. Exercising undue influence on the elderly victim, theyll shop around for any lawyer who will agree to change a will or trust document in their favor. Ask your elderly loved one about any such changes if you are faced with such a situation, it may be time to consult an experienced trust litigation attorney. 6. Creditors Come Knocking: Is the elder encountering financial trouble where there should be none? Find out the explanation for property liens or foreclosure warnings. The reason behind creditor claims may be more than just a mistake your elderly family member might have been financially exploited by an abuser who cleaned out their accounts. Identifying Financial Exploitation and Scams As the population of senior citizens in California continues to grow, so too will the challenge posed by fraudsters who want to prey on our elderly and steal their money. To help seniors and their loved ones identify and avoid scams, Ive compiled a list of the most common ploys, tricks, and tactics financial criminals use against the elderly. So watch out for the following forms of fraud: 1. Grandparents Scam A senior will receive a phone call beginning with, Grandma? The caller will cleverly elicit the grandchilds name. Posing as the grandchild, the scammer will then say theyve gotten into some form of deep trouble they might tell the senior theyre in jail or stranded in a foreign country. Its an emergency, and they need help immediately! With the grandparent now upset and ready to assist their supposed grandchild by any means possible, the scammer will ask them to wire money to their bank account, often by Western Union. To avoid falling for the grandparent scam, dont let a caller drag you into the guessing game, whereby you willingly provide them with the names of your grandchildren and other relatives. If a scammer is more sophisticated, they might research their victim on social media sometimes theyll run the scam on platforms like Facebook. Call your family members and check on the whereabouts of your grandchildren, no matter how convincing a story you may hear over the phone or through social media. 2. Secret Shopper To your surprise, you receive a check in the mail for several thousand dollars to Wal-Mart or another big-box store. Youve been chosen for the secret shopper program! In reality, youre being conned into depositing a bad check. Once youve deposited, the scammers will ask you to mail them a check with the difference and thats in addition to your being responsible for the fraudulent check youve cashed. Secret Shopper is a nasty scam that leaves its bewildered victims thousands of dollars poorer. Keep elderly loved ones away from fraud schemes like Secret Shopper by using the too-good-to-be-true rule: if its too good to be true, its not true someones after your money. That means Secret Shopper offers are as good as garbage. 3. Email Scams Email scams have been around a long time and arent going away its cost-effective for swindlers to send out millions of spam emails, even if they only get one or two responses from potential victims. If you have an email account, youre going to receive these from time to time, even with the best spam filters. The most notorious email scams are Nigerian prince letters, which inform recipients that they have been selected to share in an enormous royal fortune in Nigeria or some other West African nation. All the recipients have to do to gain their riches is wire money to the esteemed prince to pay the transaction fee. Naturally, there is no pot of gold at the end of the Nigerian rainbow, with the net result of your bank account being emptied. Another common type of email scam is known as phishing, the imitation of real websites to elicit personal and financial information. You might very well receive a bank alert that seems to be from your bank; the message will inform you that your bank account is overdrawn, you are the victim of identity theft, etc. Even the layout of the email and fake website will look convincingly real. Yet the actual purpose of the phishing scam is to get you to enter your bank account ID, password, Social Security Number, etc., into the phony website, all in order to defraud you. In addition to Nigerian prince emails and phishing schemes, you may also receive emails marked urgent, etc. Often theyll seemingly be sent from friends and relatives. Theyll have attachments in the form of letters or videos youre told to open. In reality, theyre fake letters with harmful attachments viruses or malware that are designed to infect your computer and steal your personal information. Online criminals can even mask their spam messages to make it appear they come from friends, family, and colleagues in their attempt to trick you into opening the attachment in order to unleash their virus. To steer clear of email scams, the best policy is simply to delete unfamiliar emails and not engage too-good-to-be true offers to share in African riches. If you get a bank alert email that youre unsure of, check your account online (dont click on any link in the message) or simply call your bank to check your account. Also remember to never open attachments in unknown messages, and be very weary of vague requests from seemingly familiar senders who might very well be identity thieves and con artists. 4. Investment Fraud Investment fraud is an all-too-common form of elder financial abuse, and scammers find numerous ways to perpetrate the crime against seniors. The first variety are classic Ponzi schemes, where elderly clients are recruited into dubious investment ventures promising big returns, but which in reality generate no profit investment proceeds are simply skimmed from client funds. Ponzi schemers will pose as legitimate entrepreneurs or investment advisors, sometimes offering free meals to attend their wealth seminars. By the time a Ponzi scheme collapses (as it inevitably will if authorities dont intervene), victims are often left penniless and effectively unable to recover any of the funds they had invested in the scheme the perpetrator likely spent all the money and distributed it out as false profits. Its unfortunate but true that there are also a few bad-faith brokers out there who are willing to defraud their elderly clients. Investment advisors and brokers who violate their clients trust can sometimes go years stealing before they finally get caught. To keep a financial predator from looting your accounts or those of your loved ones, make sure to review their background through FINRAs BrokerCheck it never hurts to get a second opinion on a firm or particular advisor. Along with Ponzi schemes and outright abuses by bad-faith brokers, also watch out for multi-level marketing schemes (MLMs). MLMs, otherwise known as pyramid schemes and network marketing, are technically legal business models that require the new member to recruit others into the venture in order to sell whatever product might be on offer. Senior citizens, at times lonely and in need of companionship, can be vulnerable to these schemes, some of which will send them box-loads of products and charge them whether they agreed or not. So while MLMs are technically legal, they are often highly exploitative of senior citizens through their deceptive terms and conditions. To steer clear of investment fraud, apply the too good to be true rule to investment offerings that boast sky-high returns and near-zero risk chances are its a Ponzi scheme. Conduct due diligence and consult a reputable advisor who can help you or your elderly loved ones make sound investment decisions. And stay away from MLM pyramids, the only point of which is to enrich their very top layer while exploiting everyone else below them with largely empty promises of wealth. 5. Telemarketing Fraud Often connected with investment scams are predatory telemarketing schemes, another way fraudsters look to entrap seniors. Many elderly Americans receive several phone calls a week from slick salesmen pitching everything from penny stocks to flimsy-sounding premium retirement programs for their portfolios. Quick-talking telemarketers will pressure lonely, confused seniors into once-in-a-lifetime investments in dubious or non-existent oil and gas holdings, foreign currency exchange, real estate, and even blockbuster movie productions. Another ploy is to hit up the victim for contributions to a supposed charity. Finally, dont be fooled by con men (and women) who pretend to be calling from your bank, hospital, insurance provider, etc. Theyre looking to elicit your personal information to commit identity theft against you. Its sad but true that financial abuse is made easy over the telephone. To prevent telemarketing fraud, make it an express policy to never sign onto anything over the phone. Courteously hang up and make sure to register for the US governments Do Not Call list. Keep it simple never give personal or financial information to unknown callers, no matter who they might claim to be. 6. Repair Fraud Seniors are frequently targeted for elder financial abuse right in their own home through the common tactic of repair fraud. If an elder is forgetful or possibly suffering from dementia, wrongdoers will look to exploit this weakness by overcharging for home repairs and yardwork. Sometimes scammers will even come around repeatedly, performing the same task several times over a given period and defrauding the victim in the process. Even unscrupulous auto mechanics have been known to jack up prices for elderly, confused customers and engage in dishonest, unethical practices like changing tires every few months. Another updated form of repair fraud is the antivirus scam, which can be perpetrated in person, online, or over the phone. You might receive a fake email, a telephone call, or even a door-to-door visit from someone claiming to check your computer for viruses. Theyll tell you your computer is infected and repair it, charging you for a non-existent service and possibly even stealing your personal and financial information while they access your computer. Countering repair fraud might mean going to the doctor and getting an evaluation over possible memory loss or increased confusion. Seniors with conditions like dementia must be protected from financial exploitation one effective way to shield vulnerable elderly loved ones from repair fraud is to obtain financial power of attorney. When a responsible younger relative takes on this legal duty, its sometimes possible to recover funds lost to repair fraud. 7. Sweepstakes Scams Fake sweepstakes, lotteries, and raffles represent a widespread form of fraud perpetrated against senior citizens. Youll get a flashy mailer informing you of your amazing prize winnings, or perhaps a telephone call or spam email. A fabulous fortune is yours to be had, youre told, and all you have to do to attain your winnings is pay a phony tax, shipping fees, or other made-up charges. Your social security number and bank information might even required to claim the supposed prize. In reality, of course, the sweepstakes is a scam meant to trick you out of hundreds or even thousands of dollars, potentially putting your identity at risk. The too-good-to-be-true rule applies to most scams, and ridiculous sweepstakes mailers are no exception. A real raffle or lottery wouldnt require you pay or provide sensitive personal info to access your prize. Sweepstakes offers and other contest winnings should be promptly tossed in the trash, and whoevers sending them through the postal system should be regarded with strong suspicion. Seniors should have a trusted loved one help them sort through mail and identify all such deceptive mailers. Countermeasures Heightened Vigilance What are some initial steps you can make to prevent elder financial abuse? Several measures are available for family members, lawyers, financial professionals and medical caregivers. Along with basic awareness, coordination and ongoing communication between parties translate to increased protection. Here are some basic actions you can take to keep elderly loved ones safe from exploitation: 1. Financial Oversight: A family member and financial professional at the local bank or advisory firm should establish a system of oversight over an elders accounts. In addition to setting up bill payment, keep a sharp eye on any excessive withdrawals or irregular transfers. Consider joint accounts with the elder, and look into the possibilities of a limited credit card for an elder susceptible to financial exploitation. 2. Revocable Trust: With a revocable trust in place, a trustee has access to a trust account without enjoying the status of legal ownership. Stopping irresponsible or just plain bad trustees from squandering assets translates to building in effective safeguards. 3. Communication: The human element is vital in preventing elder financial abuse, and that means maintaining effective lines of communication between all interested parties, whether it be the attorney, investment advisor or medical caregiver. Just as importantly, a loving relationship with an elderly family member makes all the difference in shielding them from harm. If a senior is lonely, theyll be more vulnerable to fraud or unethical sales pitches. Just visiting an elder regularly, talking and showing them you care is an enormous boost in keeping them safe. 4. No-Contact Lists: Boiler room telemarketers and deceptive mailers target elders who suffer from cognitive impairment. One way to block most, if not all, of these unwelcome solicitors is to contact the FTCs Do Not Call Registry, Nomorobo and the Direct Marketing Association. Speak with your elderly loved one about the harmful nature of these calls and fliers to help them spot when theyre being scammed. Protecting your elderly family member is virtually a full-time job for many it becomes a full-time job of care, comfort, housing, medical visits, and protection. Such duties may be embraced with love, but it is a love coupled often with real suffering. It is never easy to care for a parent with dementia or with chronic physical or mental problems. Both physical and mental exhaustion often accompany such care. Sibling issues arise between those who are near the elder family member and those who are geographically removed. Friends of the elder might be critical of the care or protections that are put in place for the elders benefits. Not all is black and white. Taking care of an elder adult often reminds us to reflect on the meaning of the Fifth Commandment: Honor thy father and thy mother. Doing this honor is a day-to-day process, and is not without its challenges.

History of Punjab: State of Sikh Religion :: World History

History of Punjab: State of Sikh Religion Punjab, state in northwestern India,bordered on the north by Jammu and Kashmir state and Himachal Pradesh state, on the east and south by Haryana state, on the south and southwest by Rajasthan state, and on the west by Pakistan. Punjab state lies between the great systems of the Indus and Ganges river. Punjab had a population of 20,281,969. Chandà ®garh is the state capital. The population of Punjab consists mainly of Punjabis, Jats, and Rajputs. The official language is Punjabi. The majority of the population is Sikh, the largest minority is Hindu, and a very small percentage is Muslim, Buddhist, Christian, or Jain. 59% of Punjab population is literate. Universities located in the state include Guru Nanak Dev University in Amritsar, Punjab Agricultural University in Ludhiana, and Punjabi University in Patiala. More than 80 percent of Punjab is cultivated, and farming is the leading occupation. The major crops are wheat, maize, rice, pulses, sugarcane, and cotton.The industries include the manufacture of textiles, sewing machines, sporting goods, starch, fertilizers, bicycles, scientific instruments, electrical goods, and machine tools, and the processing of sugar and pine oil. I am proud to be Punjabi because of pure and rich culture of that state. Punjabis' are famous all around the world and can be easily found in any corner of the world. ANCIENT CIVILIZATION: Punjab is the birth place of Indus Valley Civilization, which is more than 4000 years old. Harappa and Mohenjodaro civilization, along the banks of the Indus in Punjab is also the most ancient and famous civilization in the world history. Punjab is also the birth place of many Saints belong to Sikh and Hindu religion. Aryan Migration: During ancient Punjab takes small scale migrations by the Aryans from the North-West (1500-100 BC). The next thousand year they live in Punjab, they settled never Indus Basin where the oldest books of human history called the Rig-Vedas are supposed to have been written. The language of Aryans was Sanskrit. Persian Rule: Punjab shared lot of history with great Persian empires. Punjab came under their control from time to time. Darius the great, the Persian king attacked Punjab and occupied many parts of Punjab. At last the Punjab was full invaded by the Persian King Gustasp in 516 BC. Punjab became the wealthiest Satrapy i.e., the province in the Persian kingdom. Punjab became the heart of the Persian Empire.

Interoperability Paper: Child and Family Services Essay

The Catholic Social Services of Washtenaw County provides many different services and resources. In this paper I will be talking about the Child and Family Services. The program that I will be focusing on is a program that supports and focuses on children and families. CSSW recognizes the impact that family life has on a child’s ability to grow and develop. We have established programs that recognize and address the needs of children to ensure they are in a stable, safe and loving environment. In addition, CSSW offers caregivers the necessary outlet or training needed to mentally and emotionally tend to and their parent/caregiver, connect caregivers to community resources and promote a family’s ability to stay together. (â€Å"Catholic Social Services Of Washtenaw County†, 2013) I will be focus on the three models Loosely Linked Network, Network Model and Top-Down Model. I will talk about the advantages and disadvantages that all three models have when referring to the origination Catholic Social Services of Washtenaw County. Loosely Linked Network Model This model is the least impact and would give the agency more control over their creativity and what they can afford. The child and family program that I am taking about could easily have a model like this implemented and it also could be very affective for this organization. Having in house resources and other organizations in the area can also help. The Loosely Linked Model can help with resources that they can use on the internet to find services directly related to them, it can resource the overall cost of technology that they use in the Child and Family program, and it can also it has the flexibility with in the Catholic Social Service as a whole. There are some advantages to this modal for this particular organization, cost being a big factor, and training for the staff that is working in the program and for the agency. This model would be the easiest but maybe not the best for this agency and their needs. There however are several disadvantages to this particular model. A few are there is no quality control, who is watching out for potential lack of standards and the overhead cost could be high because inefficiencies and monopolies that may occur. Also with this particular model it makes work for some organizations but for this one it would be a bad idea, because they have so many other components to their agency. If technology failed in this model it would not be hard to keep the programs running smoothly. These models resources are still local and would not require networking using a computer. Having paper information of all the support and resources that are being used would need to been done so the clients are still supported no matter what. Network Model This model is more of a formal model that has guideline and standards that have to be met and set up before establishing it for the agency. For this particular organization this type of model may be something that they really need to look and to see if this is something that would benefit the whole agency. At Catholic Social Services there is more area of focuses besides the child and family, they also have programs like adoption, counseling, housing, parenting, and pregnancy. By having a systems that networks their clients information and situation would already be in the system for the other areas of support to find resources for them and or give them other types of support that they did not know was even out there for them. There are a lot of advantages to this model like the overall networking piece, and making sure that the clients get the resources and support they need because of the network being used at the agency, there is always some disadvantages too. One major disadvantage is funding, making sure that all the agencies, services and resources are linked together has a cost to it. Another huge disadvantage is some of the jobs preformed can be taken away because the networking is being done automatically, which them the individuals that had those jobs would have to move to more complex jobs which then you may have the cost of training and or hiring individuals that are more educated for the jobs at hand. For this agency having more of a networking model would be beneficial and would also support the individual and or families more.  Having access to more services is always a bonus. This model may have a hard time functioning if technology fails. This best thing for this model is to make sure there is always paper trails and backup. It may seem like a lot of extra work but you need to remember it is for the clients that you are helping. Top-Down Model The Top-Down model is a model that has several components and ways to share the information that is needed. Keeping the Catholic Social Services Child and Family programs the three components of the IGHI would be the (a) the Child and Family Services, (b) Washtenaw County Catholic Social Services and (c) Catholic Social Services. By having these three components they are an informational infrastructure not just an organizational agency. Having these three components working together there can have some pro and cons to it. Some pros are that is a client needs information, resources or services outside Washtenaw County their information is available to others with in the Catholic Social Service origination. Also by having multiply agencies using the same system some of the task can just become routine for the system so the human service professional can focus on other task, like having more time to meet with clients. There are also some cons to this type of model. There has to be goals that are set by everyone, system wide goals. Without system wide goals there is no monitoring and control by the origination. Over all lack of support by everyone involved can be a major issue for the organization and their clients. This model would work if all parts of the origination were on board and was able to understand the benefits to this model. If they do not understand the model they may feel that they do not have the freedom to help their clients the way they see fit when in reality it is the opposite. The more information and support right at your figure tips the better for the human service professional and most importantly the clients. This model could get a little tricky if technology failed. Having everyone on the same system could and or would take down the whole agency, which them no one could help their clients until it was fixed. Even if only done for a short time it could really matter in some of your clients cases. Making sure that there is back up information on all clients would need to be done, so supporting clients could still happen even without technology. All three of these models have several pros and cons to them. I  think that to help this particular agency, The Washtenaw Catholic Social Services: Child and Family that the Networking model would be the best to support their overall need for the organizations and their clients. They already have a Facebook, twitter and a very interactive web page. This organization no matter of their model is here to support their community. â€Å"As a member of our community, we believe our work attains the greatest benefit when we join with our neighbors and colleagues to create a responsive, compassionate society where all are valued, honored and have the opportunity to thrive.† (â€Å"Catholic Social Services Of Washtenaw County†, 2013) References Catholic Social Services of Washtenaw County. (2013). Retrieved from http://csswashtenaw.org/ Schoech, D. (2010). Interoperability and the Future of Human Services. Journal Of Technology In Human Services, 28(1/2), 7-22. doi:10.1080/15228831003759539