Money in Marriage Essay Example for Free

Money in Marriage Essay Money is a vital component for a sustainable and harmony life. Knowing the main function of money in marriage is important for a successful marriage. According to (Loh,2012) a research by Smart Money magazine, cited by shows that 70% of spouses surveyed discuss about money no less than one weekly while 36% of men and 40% of women confess that they lied to their couple about their spending. Many couples do not aware about the importance of money. The ability to pay household and utility bills, the tendency to ensure the children get their rights as well as the chance to have a comfortable and sustainable living are therefore, the importance of money in marriage. One of the reasons why money is important in marriage is to pay household and utility bills. Just like how organizations have their organization’s financial details each year to trace how they spend their money to pay for things married couples also need to record their expenditure and examined them monthly. (Eugene, 2009). A couples need to distribute their money to pay the energy, electrical and telecommunication bills. Electricity is necessary to run all home utilities such as refrigerator, television, radio, including hot water heaters and water pump that allow toilet to work. Besides electrical bills a telecommunication bills also need to be managed well so that we can ensure smooth communication between a family members. The example of communication utilities is such as encompass telephone, satellite television service and Internet service. For instance communication utilities such as internet can be used by the family members especially children who are still study to find information, communicate with their friend, and sharing their opinion. A married couple also need to allocate their money for the household food budget. The monthly budget for the food and groceries of the house should be managed accurately. â€Å"It is significant to give them with a healthy-balanced diet and encourage them to work out frequently† (Vijaindren, 2012). Parents should aware that your child needs a variety of food to fuel his growth, strengthen his immune system and support his brain and nervous system. So it can be conclude that money is important in marriage to have a healthy lifestyle because an apple a day can keep a doctor away. Another importance of money in marriage is to ensure children get their rights. A beneficial education is a necessary for children (Rosmah, 2010). Every child should have an adequate education to secure their future. Money can be used to pay necessary fees regarding the education or study. For example, money can be used to pay an education fees for children who studying at primary, secondary or even children at the college. As an example, money is useful for buying a basic need for children education such as school uniform, stationeries, and of course a books. Every child deserved an additional education such as home tutor or tuition. With money, tuition fees and additional books can be paid consistently. According to Rosmah (2010, as cited in Lim (2010) a marriage that has consistency in money should give their children a well-nourished life. Every parent can make their children more valuable and comfortable with money. For example provide a comfortable shelter such as personal room for their uses. Furthermore with money parents will have the tendency to ensure that children get their rights. As an example, children nowadays will request for an up-to-date gadgets, such as smart phone, tablet, or even an android phone. This can be fulfilled with money. Thus, money is important not only for an adult, but can be very useful for a sustainable in children’s life. One of the other reasons why money is important in marriage is to have comfortable and sustainable life. Najib(2012, as cited in Shuman, 2012) â€Å"My feverent wish is to ensure that each and every one of our young productive adults and, indeed the future generation of Malaysian will have enough savings and financial assets to enjoy their retirement to the fullest†. This pension scheme is one of the ways to have a sustainable life. Many of young married couple do not aware about the importance of this pension scheme it is to persuade and influence people to set aside money for the upcoming and urgent situation. For instance one of the family members having any major health problem such as cancer or heart problem that need to spend a lot of money to heal at least this scheme can support it. Another importance of money is to keep away the future cohort to cope with difficulty and struggle to have a sustainable and comfortable life. Life insurance gives a person chance to propose a consistent financial for his or her family in the event of disaster or poor health problem happen to the family members (Morris, 2010). With the power of money a couple can buy a life insurance for their house, vehicle and family member. For example when a giant Tsunami hits Japan on 2012 many facilities and infrastructure has been demolished, at the same time many victim had lost their family members. So the reason why you need to take out an insurance policy is to look after who’s left behind you especially the ones that you loved. In a nutshell, the importance of money in marriage include chance to have a comfortable and sustainable life, the tendency to ensure the children get their rights as well as the ability to pay household and utility bills. Money is vital asset that are useful for a long time, and can secure the future. Thus, money must be managed well to ensure that the flow of money will run smoothly and can lead to a sustainable life and harmony marriage. Everyone must have their own budget so we can prepare for the unpredictable thing that may occur. Tracking your money expenses, create a monthly budget, prepare for unexpected emergencies, and plan for big expenses are few steps that can be made to managed money well. This can educate a person to become a discipline and independent in his life.

US Foreign Policy in Africa Essay Example for Free

US Foreign Policy in Africa Essay The question is that: what type of foreign policy should the US have with South Africa and the larger Africa? The answer of this question goes back to the foreign policy formulation and implementation of the United States government. According to the United States Department of State, the foreign policy approach for South Africa and the larger Africa is Transformational Diplomacy (â€Å"US Foreign Policy in Africa for 2007†). The principle being expounded in this kind of foreign policy approach is partnership. During the past years, what is being applied to South African people is the principle of paternalism, but this has been a failure (â€Å"US Foreign Policy in Africa for 2007†). The philosophy of transformational diplomacy is to do work with the people and not for them (â€Å"US Foreign Policy in Africa for 2007†). In other words, the United States government must work hand in hand with the South African people as their partners for economic, social and political progress. The idea behind this foreign policy is to facilitate in helping the Africans to improve their lives by means of building their own nations and transforming their own futures (â€Å"US Foreign Policy in Africa for 2007†). As such, the utilization of diplomatic power of the United States to reach this goal is instrumental for that matter. It is true that there are various conflicts in South Africa and the larger Africa. It could be remembered that Somalia gain benefits from the transformational diplomacy approach headed by the government of the United States. Somalia collapsed as a state for about 15 years due to war involving Ethiopian military, but with the foreign policy implementation of the United States in its benefit there was improvement (â€Å"US Foreign Policy in Africa for 2007†). At present time, Somalia was guided to the path of recovery and stability by the United States government owing to its partnership ideals with the country. The people were being taught on how to get out from poverty and at the same time working with them for economic and political stability. There are methods that are followed by the United States in resolving conflicts involving the African race. These methods are considered part of the transformational diplomacy and proved to be useful and proper. First, there was a call for resolution of the conflicts in South African nations including the larger Africa. Second, the United States government have backed African conflict mediation processes and improved the capacity of the Africans to bring out peace support operations and combat terrorism within the continent (â€Å"US Foreign Policy in Africa for 2007†). And lastly, there were also efforts to work with leading African mediators and with representatives of the United Nations, as well as the African Union and other African organizations. The transformational diplomacy approach is useful to retain peace in the African continent. Within the year 2001 and 2007, there were 6 wars that erupted in Africa and many people suffered to death (â€Å"US Foreign Policy in Africa for 2007†). The partnership of the United States government and African s together with the United Nations resulted to ongoing recovery of the war-torn areas in Sierra Leone, Liberia, Congo, Burundi, Angola as well as the North and South conflicts in Sudan (â€Å"US Foreign Policy in Africa for 2007†). Since the concept of democracy is an effective tool for peace and economic progress, the United States government tried to work with Africans in order to reject oppression and terror. Hence, it is always true that governments that mirror the popular will of the people are more likely to revere boundaries and human rights compared to those who failed to do so (â€Å"US Foreign Policy in Africa for 2007†). Majority of the African nations are now working towards democratic governance with the help of the United States foreign policy formulation and implementation under the auspices of transformational democracy. References U. S. Department of State. (2007, February 15). US Foreign Policy in Africa for 2007. Retrieved November 6, 2008, from http://www. state. gov/p/af/rls/rm/ 80210. htm.

Strategic analysis and proposal for IKEA

Strategic analysis and proposal for IKEA The name IKEA comes from the initials of Ingvar Kamprad, I and K, plus the first letters of Elmtaryd and Agunnaryd, which are the names of the farm and village where he grew up. Ingvar kamprad came with a unique idea to offer home furnishing products with good design and lower prices than other competitors. But he didnt want to compromise with the quality. So he used simple cut costing solutions. He tried to find every opportunity to reduce costs. Thats how IKEA concept began. IKEA is a home furnishing company with a fully integrated supply chain, including its own industrial groups Swedwood and Swedspan. The IKEA Group, directly or indirectly, also owns retail centres, always with an IKEA store as unique anchor tenant. The IKEA Group works in four basic areas: range strategy product development, production, supply and retail. The parent company of the IKEA Group of Companies, INGKA Holding B.V., is owned by Stichting INGKA Foundation in the Netherlands. The Stichting INGKA Foundation was established in 1982 by the founder of IKEA, Ingvar Kamprad, to create an ownership structure and organization that stand for independence and taking a longterm approach. It has two purposes to reinvest in the IKEA Group and to fund charity through the Stichting IKEA Foundation. The business idea is focused on the concept of help create a better life everyday life for many people. IKEA is a renowned global home furniture and household products retailer which is privately owned. IKEA was started by Ingvar Kamarad by 1943. Now the company owns more than 300 stores in 35 countries with more than 130,000 workers around the world. The company selling now a day more than 10000 products and the 190 million copies of catalogues distributed around all over the world. We can see how IKEA expanded by having more stores each year. Figure 1: IKEA stores expanding. To offer a wide range of well-designed, functional home furnishing products at prices so low that as many people as possible will be able to afford them. That is the business idea of IKEA. This concept of the IKEA is the base of their business operations which includes product designing, manufacturing, transportation, retailing and assembling. When IKEA develop their products, their starting point is the idea that, even with a thin wallet, people can create a beautiful home with well designed, functional, safe and healthy products. To understand the different living situations and needs of people all over the world is the key to success of IKEA. IKEA website had 712 million visitors and 676 million store visitors in 2010. And 197 million copies of catalogue were printed in 29 languages. Total sales in last year 2010 were 23.1 billion Euros as stated in graph and IKEA food services turnover is 1.1 billion Euros. Figure 2: Annual sales in billion Euros. (FY2010) Every single company tries to use unique, distinctive and effective business strategy which will help them to stay in very competitive market and especially in the global market. We will use different tools to provide a strategic analysis of IKEA. The analysis will be use SWOT analysis, Porters five forces model. SWOT analysis: SWOT analysis is strategic planning tool which helps business to focus on key issues. This tool helps to identify and evaluate of the strengths and weakness of a firm internally, threats and opportunities of external environment. Strengths and weakness is such internal aspects of the company which can be controlled. Usually these refer to marketing, finance, and manufacturing. In same way threats and opportunities are external aspects which cant be controlled. These refer to environment, local issue, government policy and others. Strengths Weakness Opportunities Threats Internal External Figure: SWOT analysis. Strengths: IKEA is one the leading strong global brand in household furnitures in its global operation which attracts consumer group and ensure the same quality and range with almost 10000 products in their all 300 worldwide stores. IKEAs interest in how peoples lives at home is the source of all their business. The key to the success of IKEAs business, understanding of peoples different living situation and needs of all people around the world. Their starting point of developing a product is how people can decorate their house with a thin wallet without compromising the quality. IKEA offers a wide range of functional household furniture in a low price that as many people as possible will be able to afford them. IKEA is completely committed to their vision to create a better everyday life for the many people. This commitment even extends to their suppliers. IWAY is the way of purchasing IKEA products. Buying bulk and large volume for long time keeps the price down from suppliers. And suppliers feel secured also. Most of IKEA products come from supplier direct to store. That means low cost and less carbon footprint. Increasing use of renewable and smarter use of raw materials helps them to keep the price low. Customers contribute in keeping low price by collecting, taking home and assemble product by themselves. Initialization of flat packing and easy assembling made it possible. Now a day people can design their kitchen wardrobe and others household furniture themselves by IKEA computerized tools. Opportunities: IKEA states: There is a true business potential for IKEA in providing solutions that enable customers to live a more sustainable life at home. IKEA is developing effective solutions for customers in order to support them recycling or reusing used products, aiming at no products ending up at landfill and the recycled materials used in producing new IKEA products. IKEA Increases use of renewable and smarter use of raw materials helps them to keep the price low. By initialize of flat packing and easy assembling help the customer to take their product home and assemble themselves. These all business policy of IKEA is juts to ensure a quality product in low price but if we look deeply we can see that IKEA using their strengths to take advantages of opportunities. Now a days all over the world everyone is concerning about carbon footprint, greener products, low cost products. IKEA is making best out of these opportunities. Now a day demand is growing for low priced products. Current financial situation made consumers trading down from expensive stores. All most everyone is concerning about carbon footprint. IKEA most of product comes to store direct from supplier by which they gradually phase out wooden pallets and use of the most spaces of transport. Using of less transport which is less carbon emission. They keep redesigning products so that they take less space. This way they save costs and contribute to environment also. Other business may be has to change their business policy because of these global concerning. But IKEA is taking advantages of these opportunities. Weakness: Each single company tries to find out their weakness and try to resolve them. IKEA is a global brand with 300 stores globally. So the size and its scale of global business can be a problem. It could be hard eventually to keep up with their standard and quality. IKEA suppliers are in such country where government doesnt implement the legalization to control working conditions. It can affect business supply chain. On the other hand IKEA need low cost raw materials but good quality for their products. But because of global warming and other financial and environmental issues it could be hard to get the supply. Threats: Emerging a new household company with low price and its own food in the market will be a strong threat for IKEA. Though emerging a new company with such range and scale is not so easy, but by keeping their standard IKEA can held their position. Porters five factors: Porters five factors is a strong analytical tool. It helps us to understand business strength of current competitive situation and the strength of the position we are moving into. The outcome of this framework is five important factors which determine the competitive intensity, as it may in use of when creating strategy, plans or making decisions regarding investment about a business. Figure: Porters Five Forces model. Powers of buyers: IKEA make sure to satisfy their customers in every aspect by providing quality service. IKEA is global brand for household furniture for reasonable prices. The management of IKEA tries to keep the standard globally so their customer is happy about the quality and the prices. Furniture and other household has small alternative and consumers has limited choices which makes IKEA unique in his competitive market. Low price strategy is other way to response buyers needs. Powers of Suppliers: We have to consider power of supplier for our competitive situation. To ensure the quality and low price business policy IKEA must have some supplier who can supply according to the demand. IKEA set some rules for their supplier. IWAY is one of it. All suppliers should follow these set of rules. IKEA get the contracts with supplier for a long time. In this way supplier and IKEA both feel more secured. If something happens with the supplier IKEA also got time for supplement. So in this case supplier got limited powers. Competitive rivalry: IKEAs furniture competitors offer different functionality and design. However, the IKEA still holds the first position in his competitive market through his quality and low price policy in Sweden and globally also. Flat packing policy saved a lot in price and easy for customer to carry out. New entrants: There is less chance to enter

The Rise Of A Nation: United States Becomes The Number One Super Power

The United States experienced many different world events that helped propel it to becoming the world’s super power. From the Monroe Doctrine which would help the United States isolate itself from the Colonialism of the European nations and set itself as the super power of the America’s, to the Spanish American War which ended Spanish rule in the America’s as well as helped the United States acquire its own territories, to the first and second World Wars which ultimately bankrupted all of Europe, to the rise and fall of Communism and the ending of the Cold War. So why were these events so important to the rise of the United States? As the Spanish began losing its territories to independence in Central and South America, the United States adopted the Monroe Doctrine to help isolate these American countries from outside European nations so it could become the dominant nation in the America’s. The Monroe doctrine helped the United States set up puppet nations in Central and South America who were loyal to United States business and political interest. From the Monroe Doctrine many Central American and Southern American countries gained their independence from Spanish rule; the doctrine stated that any European nation that tried to force its rule upon the rebelling central and southern American nations would also have to face United States intervention. The United States was able to keep these new nations from really prospering while exploiting their natural resources for American business. Take for example the Panama Canal; put in place by the American government and funded by American business. It hel ped fuel the American economy; as well as showed the United States military might, and made it clear that the Monroe Doctrin... ...super power in the world. Throughout the United States history it had to struggle to be taken seriously as a country, however, in its short time as a developing nation it was able to become the most powerful and prosperous nation in the Americas and later through European and Asian events become the most powerful and prosperous nation in the world. The Spanish American War, WWI and WWII and the fall of communism are the most significant events that helped the United States become the super power it is today. Because of the United States location on the globe it was able to stay out of the heavy bombing European and Asian countries had experienced. Without these war torn cities the United States prospered by helping rebuild European nations, which propelled the United States into economic prosperity. These events marked the United States into super power status.

The Individual and Society in the Communist Manifesto Essay -- Karl Ma

The Individual and Society in the Communist Manifesto The end of 19th century, Western Society was changing physically, philosophically, economically, and politically. It was an influential and critical time in that the Industrial Revolution created a new class. Many contemporary observers realized the dramatic changes in society. Among these were Karl Marx and Friedrich Engels who observed the conditions of the working man, or the proletariat, and saw a change in how goods and wealth were distributed. In their Communist Manifesto, they described their observations of the inequalities between the emerging wealthy middle class and the proletariat as well as the condition of the proletariat. They argued that the proletariat was at the mercy of the new emerging middle class, or bourgeoisie, and could only be rescued by Communism: a new economic form. During the 19th century, the proletariat was at the mercy of the bourgeoisie for survival. The bourgeoisie imposed conditions that required the proletariat to work under harsh, unsafe, and unhealthy industries. Cities were overcrowded, unsafe, and hazardous due to the many factors including the smoke from the factories that clouded the skies. Earlier, Friederich Engels had described the conditions of the proletariat in the town of Manchester. He saw, â€Å"everything which here [aroused] horror and indignation [as] of recent origin which [belonged] to the Industrial Epoch†.1 Not only did the proletariat have to work in unsafe factories but also was doomed to life long misery. Marx and Engels saw both the proletariat and the bourgeoisie as an outgrowth of feudal society. They argued that the bourgeoisie emerged as a result of exploration and discovery of new land, ... ... 8 Hadley Cantril, The Politics of Despair (New York: Basic Books, Inc., 1958), 41 9 Bertell Ollman, Alienation: Marx’s Conception of Man in the Capitalist Society (New York: Cambridge University Press, 1971), 131. 10 Neil Harding, â€Å"Marx, Engels and the Manifesto: Working Class, Party, and Proletariat.† Journal of Political Ideologies (1998): 13-44 11 Karl Marx and Friederich Engels, The Communist Manifesto (London: England 1848): Proletarians and Communists. 12 Hadley Cantril, The Politics of Despair (New York: Basic Books, Inc., 1958), 85-86, 87, 95. 13 Hadley Cantril, The Politics of Despair (New York: Basic Books, Inc., 1958), 87 14 Hadley Cantril, The Politics of Despair (New York: Basic Books, Inc., 1958), 94 15 Antonio Gilman, â€Å"The Communist Manifesto, 150 years later.† Antiquity (1998): 910- 913.

paintball :: essays research papers

Paintball Misrepresented Sport When you here about paintball in the news, it's always a story of someone losing an eye or committing a crime. Is this what paintball is about? Definitely not! Lets first start off by saying, that accusing the sport of paintball, for criminals vandalizing property with paintball markers (They are actually classified as markers, not guns, because they mark people, like in a game of tag), is like blaming the sport of baseball, for people that fight or injure people with bats. It's like accusing football for encouraging people to fight. Of course though, football is never blamed for that. Some people also would like to say that paintball is too dangerous, and people get injured way too often because it's unsafe to play. The fact is, those people couldn't be more wrong. Paintball requires a mask to be worn on all public fields. Neck protectors and vests are also optional if you feel like it. Most people would probably be surprised to learn that players and referees take extra care to make sure that all the players are safe in a game. National averages even show that paintball has a lower injury rate than bowling and golf! So how did those kids in the news loose an eye? Simple, they didn't wear the right protection and were probably playing on their own field, without refs and proper marker testing. Playing paintball without masks is the equivalent of playing tackle football with pads and helmets, which means someone could get hurt. Is football ever criticized for severe injuries? Almost never. So why should paintball be any different? So, before you decide to criticize paintball, first go to you local field (here in Utah, you can go to Paintball Planet or Army Navy Surplus) and try a game. Then create your opinion. Most people who go actually find it very fun. It gets your adrenaline pumping and has a frantic (but fun) feel to it. It also has some value. Playing the game a lot develops excellent hand-eye-coordination, teaches teamwork, trust, and careful planning.

Critical Review My Place

CRITICAL REVIEW: MY PLACE, SALLY MORGAN Sally Morgan's My Place, published in 1987, is an autobiography about finding her Aboriginal roots and her identity with the focus on the lives of three generations of Australian Aborigines. Sally’s family never talked about their past and she was brought up thinking she was Indian. But she always felt different than her friends, their way of living was not the same, so her curiosity led her to realizing that she is Aborigine. And then her quest for knowledge of her past begins. My Place is actually a novel about woman’s search to find herself and her place in Australian society. The main themes are discrimination, racism and Aboriginal culture. They are presented through two different versions of autobiographical writing. One is Sally’s first person narration, which is more Western autobiographical and it focuses more on her individual quest to find her identity. The other focuses on the Aboriginal life and more on the community and family life of Aborigines. The novel has 32 chapters, which are divided into four parts: Sally’s narration about her early life, education, family relationship, her perception of herself and her self-discovery; Arthur Corunna’s story, he is a brother of Sally’s grandmother; her mother’s Glady’s story and her grandmother Daisy’s story. Their stories focus on their life when they lived in Aboriginal society. The whole book is a combination of narration, dialogues, descriptions, stories within stories, anecdotes, and personal reminiscences from various characters and also humour. All that provides balance and harmony to the book. The book is easy to read, the language is quite simple, descriptions of the nature are really specific and with the use of metaphors, symbolism and personification, the reader gets a vivid picture of the place that is described. However the first part, where Sally describes her childhood is a little bit boring, because there are mostly descriptions and details about things not relevant to the theme of the book. But when she starts to investigate her family roots with her constant attempt to get some answers from her mother and grandmother, the book becomes more interesting. The parts where her family talks about their life are very emotional, the reader gets an insight into their hard life as being black in the â€Å"white world†. Before Sally’s book, not much was known about the Aboriginal life. She writes about the contact of two different cultures, Aboriginal and Western, so we get in touch with their history, their habits, way of thinking, historical background, injustice and struggles they had to fight. Other people always treated them as something less and because all the bad things that happened to them, they decided not to speak about it, they were forced to be silent. There are still a lot of secrets, that are not revealed in the book, because they are too afraid to speak about them, but we get to know some important information about their past from the people who wrote history on their own skin. So this is a really important book for Australian and Aboriginal culture, because it opens some important questions about racism and discrimination. ANA FURLAN