Sunday, December 29, 2019

The Effects of Smoking Bans on Victims of Exposure to...

The Effects of Smoking Bans on Victims of Exposure to Second Hand Smoke Exposure to second hand smoke, which for the purposes of this report will be designated SHS, poses extremely detrimental health risks for any and all individuals who consider themselves non-smokers, especially young children and pregnant women. SHS is estimated to contribute to heart attacks in nonsmokers and causes nearly 53,800 deaths in the United States alone on an annual basis.1 According to the United States Surgeon General’s report from 2010, tobacco use remains the single largest preventable cause of death and disease in this country, causing approximately 443,000 adult deaths from smoking-related illnesses each year.2 Additionally, smoking has been†¦show more content†¦Lung cancer was the most common cancer mortality in men and the second most common in women.6 The study also noted smoking differences in each of the three major language/cultural regions of Switzerland, with the mortality rates higher in the French and Italian speaking regions of the c ountry, reflecting the habits and mortality rates of both France and Italy, where smoking is much more prevalent, and the German region (which is by far the largest) having significantly lower smoking mortality rates, due to Germany’s increased anti-smoking campaigns and laws protecting citizens from SHS.7 Although not as stringent as the US laws forbidding smoking in almost all indoor spaces, Europe’s leading countries are now attempting to curb the use of tobacco products, many for the first time in their histories. All studies have pointed to the extreme dangers SHS provides for pregnant women and children, especially adolescents. In a report published by the Center for Global Tobacco Control, it was demonstrated that efforts to curtail indoor exposure to SHS was working. The results of the study showed that the proportion of US middle and high school students who were exposed to indoor SHS actually declined from 65.5% in 2000 to 40.5% in 2009, with significantS how MoreRelatedSex And Age Disparity Among Teenagers1101 Words   |  5 Pagesand Age Disparity in Teenage Exposure to Secondhand Smoke Anthony Kiprono PH 5302 04/30/2016 Second hand smoke is defined as the combination of smoke emitted by the burning end of cigarette or any other tobacco products and smoke emitted by the smoker. Individuals can be victims of secondhand smoke in various ways and places inkling the safety of being at home, vehicle, workplaces, parks and various public places. According to Jonathan, smoke contains over 200 poisonousRead MoreThe Negative Effects of Smoking1151 Words   |  5 Pagesyou love for the very last time. Smoking is a life-threatening addiction that has brought this tragedy to millions of families at an accelerated pace and not all have been those who do smoke. No one wants to have to deal with tragedy, but nowadays there may be no way to avoid it. Unless, that is, our government intervenes, and puts something into place to end the threat of Secondhand Smoke exposure. I believe the one thing that can be done to avoid this exposure, leading to the unwanted tragedy,Read MoreSmokers in the U.K. and U.S.A. and the Tr eatment of Social Pariahs1773 Words   |  7 Pagesyears, antismoking campaigns has increased due to the harmful effects that are caused by smoking. People smoke not caring about the consequences that it has not only on them, but also on other people. In the U.K and U.S.A, campaign might or might not be effective. This essay seeks to illustrate the cause and effect of antismoking campaigns, T.V advertising, campaigns against smokers not being allowed N.H.S treatment, and the ban of smoking in public places and also illustrating the reasons why similarRead MoreSmoking Is Bad For Your Health749 Words   |  3 PagesSmoking is bad for your health Thesis Statement: Not only is smoking cigarettes bad for the person both short and long term but those around are affected by the secondhand smoke. Summary: With over 300 million smokers around the globe it begs the question how is their choice to smoke cigarettes affecting not only themselves in the short run but also overall. Short term effects include frequent cough, colds, bronchitis, as well as pneumonia. The long-term effects are much grimmer than the short termRead MoreEssay on Contaminated Air: Secondhand Smoke907 Words   |  4 PagesDid you know that you could easily be a victim of breathing toxic fumes and having cancer? As of right now, countless people are being poisoned from the effects of second hand smoking. Many people have heard or seen the effects of smoking and yet they still do it. In this case, it’s not about them but about us. There should be certain areas where smokers can go that won’t affect others because it’s a nuisance and cause unrepairable damage to everyone. Have you ever tried catching your breathRead MoreSmoking Life Away: The Harmful Effects of Smoking Cigarettes1403 Words   |  6 PagesSmoking Life Away Smoke travels far. After the smoke is released, it diffuses and travels in the atmosphere reaching just about anything at a reasonable distance. When one smoker puffs out, it affects that person, somebody across from that person, and the clean air around that person. Ever wonder why warnings and disclaimers are always present with anything that concerns smoking? This is because it is dangerous, and it is harmful , and it should warn you about the lasting impact it leaves youRead MoreEssay on Smoking Risks1748 Words   |  7 Pagesin today’s society is smoking. Yet each year, cigarette smoking kills more Americans than AIDS, alcohol, car accidents, homicides, suicides, illegal drugs and fires combined. Smoking is an extremely bad pastime, practiced for centuries, for an individual’s health and those surrounding him/her. People start for many different reasons and get addicted to the nicotine in cigarettes. Smoking cause many fatal diseases, but help is available to those who seek it. Cigarette smoking is a disgusting and unhealthyRead MoreSmoking in Public Places Essay1923 Words   |  8 PagesWhy Smoking Should be Banned in Public Places. His bald head rests on a pillow. His bones from his cheeks and shoulders protrude under his skin. His mouth is open, but he cannot respond to his mother, wife or three-year-old son anymore. Doctors say there is no hope for Bryan Lee Curtis, a lung cancer victim. He started smoking when he was 13 years old and he never imagined that 20 years later, smoking would take his life away, leaving his wife and child alone. ‘’I can’t fight anymore’’, Bryan saidRead MoreSecondhand Smoke Kills : Should Smoking Be Banned?1798 Words   |  8 PagesSecondhand smoke kills: Should smoking be banned in public? Cigarettes have caused harm to society and the economy for the past twenty years. They’re not causing a harm to just the people who proceed to use them, but to those who are around it as well. Cigarettes have copious effects on active smokers, and even have tremendous long-term effects on nonsmokers. The entryway that causes effects for active smokers is called ‘mainstream smoke’ and what causes effects for nonsmokers is called ‘secondhandRead MoreThe Cost Of Smoking Cigarettes1833 Words   |  8 Pagesare pivotal in generating more than half of the money they earned from exports, $165 million. So, would we be doing more harm than good by banning the smoking of cigarettes? When investigating the true cost of smoking cigarettes there is an overwhelming amount of research into the multiple effects smoking has on health. The smoke inhaled when smoking a cigarette contains 4,000 compounds which often leave toxic traces in the lungs and other organs. This is one of the biggest contributing factors as

Saturday, December 21, 2019

The Church s Responsibility Of Persons With Same Sex...

The Church’s Responsibility to Persons with Same-Sex Attraction â€Å"†¦Finally, Jesus and the woman were there alone. Jesus stood up and asked her, Where is everyone? Isn t there anyone left to accuse you? No sir, the woman answered. Then Jesus told her, I am not going to accuse you either. You may go now, but don t sin anymore.† John 8:5-11 (Contemporary English Version Bible) Unfortunately in the currently society, one of the many terrible situations that is seen is the situation of same-sex attraction. This issue has caused tremendous stress, not only on a part of society that somehow has kept many of the existing moral principles, but this issue has also affected the individuals who were are affected and all those who are around them, either by the shame that this entails, or simply by the ignorance that exists among many who did not want to accept this terrible reality. Now, when is talk about that there is ignorance in this type of situation, it is necessary to take into account that this ignorance came from the type of action that many usually takes when the they know about this issue in certain individuals who are facing this issue, and sadly the first action taken is to judge them, and discriminating against others. However, what is most unfortunately is when this comes directly from the church, which often does not give them any hope of restoration to their issue of same-sexual attraction. Nevertheless, something that is fundamental to understand is about whatShow MoreRelatedBiblical And Contemporary Views Of Marriage And Family1618 Words   |  7 Pagesof marriage and family Introduction In this postmodern society, it is not easy to establish a strong marriage and a strong family. One of the main reasons for this tendency is the changed view of marriage as a companionship grounded on individual s freedom and self-fulfillment rather than as a social institution designed to meet economic needs and provide a place for rearing children. However, as people tend to expect more personal freedom and fulfillment in their marriage, they ironically resultRead MoreThe Debate Over The Right Of Consenting Adults1513 Words   |  7 Pagesthe preservation of this right not only ensures human prosperity through such acts of benevolence, but strengthens the concept of traditional marriage held most by those who oppose the extension of this civil right to our fellow Americans. No one person or government has the authority to prevent a citizen from experiencing a sense of attachment to another in any way. Further, aside from cases of public safety such as restraining orders, no citizen may be limited or controlled in their selection ofRead MoreCovering Information During the Civil Rights Movement1816 Words   |  7 Pagesdown your outsider identity in order to blend into the mainstream. To me the biggest one it relates to is homosexuality and gender identity. Although there has been a tremendous amount of progress over the years with giving the LGBT community the same rights as straight people they still are not considered equal in the eyes of the law and some people. For 17 years homosexuals were not allowed to openly serve in the military due to the â€Å"Don’t Ask, Don’t tell† policy implemented by President ClintonRead MoreA Christian Approach to Homosexuality7265 Words   |  30 PagesHomosexuality 2a. Stories of Sodom and Gibeah 2b. Levitical Texts 3. New Testament on Homosexuality 3a. Paul’s Statements in Romans 3b. Other Pauline Texts II. BIOLOGY AND HOMOSEXUALITY III. LAW AND HOMOSEXUALITY IV. CHURCH AND THE HOMOSEXUAL CONCLUSION BIBLIOGRAPHY 2 INTRODUCTION On 2nd July 2009, in a landmark judgement, the Delhi High Court struckRead MoreThe Views On Gay Marriage3556 Words   |  15 Pagespaper explores the differing views on homosexual same-sex marriages coming from the views of our governments as opposed to religious groups’ views. It goes into detail to see which religions are opposed, which support and which have no official position on the topic of gay marriage. It also takes into account how the state governments have opposed and supported the legalization of same-sex marriage over the course of our history. Keywords: same-sex marriage, homosexuality, religion, government, gayRead More Homosexuality, Nature or Nurture? Essay1911 Words   |  8 Pagesvoices heard; this has attracted the attention of the population making them take notice of their cause. The church has not been able to get away from the powerful political and social pressure of homosexuality. Some churches have accepted homosexuality but many still do not accept homosexuals, saying it is unnatural and not what god intended of man. The church claims that what ever decision has been made, it has been done so on the basis of Christian moral principlesRead MoreWomen s Role During The Twentieth Century1884 Words   |  8 Pageswork different types of jobs other than just staying home doing housework. Also, women held many responsibilities during the westward expansion, such as managing the movement of households overland, establishing social activities in pioneer settlements, and sharing the hard labor of farming new land. Eventually, frontier towns attracted women who worked as laundresses and seamstresses, and organized church societies and other reform movements. In other words, the born of Feminism took place and wasRead MoreChallenges Facing Modern Christians5546 Words   |  23 Pages 2. Scandals in churches B. Sexual immorality 1. Sex before marriage 2. Sex outside of marriage 3. Homosexuality C. Misinterpretation of doctrines 1. Christianity and other religions 2. Creation versus evolution D. Advancement in technology 1. Warfare 2. Abortion 3. Sex change E. Negative influence of the media 1. TelevisionRead MoreRomantic love is a poor basis for marriage.2917 Words   |  12 PagesThe decline of marriage in the West has been extensively researched over the last three decades (Carmichael and Whittaker; de Vaus; Coontz; Beck-Gernshein). Indeed, it was fears that the institution would be further eroded by the legalisation of same sex unions internationally that provided the impetus for the Australian government to amend the Marriage Act (1961). These amendments in 2004 sought to strengthen marriage by explicitly defining, for the first time, marriage as a legal partnership betweenRead MoreSame-Sex Marriage and Religion: An Inappropriate Relationship8330 Words   |  34 PagesSame-Sex Marriage and Religion: An Inappropriate Relationship Brittney Baker Key words, names, terms, concepts: California s Proposition 8, Prop 8; morals legislation; same-sex marriage, gay marriage; religion, religion and politics; separation of church and state; police powers; equal citizenship, equality; 2008 election. Introduction and Thesis The debate over same-sex marriage has been a prominent issue in our society over many years now, appearing in several ballot initiatives such as California

Friday, December 13, 2019

Public Bank Berhad Free Essays

Public Bank Berhad The Public Bank Malaysia was founded in the year 1966. The logo, in modern geometric design, is conceived from two interlocking octagons denoting the domestic and international connections of the Group. The interlocking of the two octagons also suggests security, strength and stability. We will write a custom essay sample on Public Bank Berhad or any similar topic only for you Order Now As per the latest reports Public Bank Malaysia is the largest domestic bank in Malaysia after Malayan Banking Berhad. The Public Bank Malaysia, in terms of its market capitalization, is the largest corporation in Malaysia that is not linked with the Government. The expansion and progress of the Group are symbolised by the edges of the octagons pointing outwards at various directions. Additionally, the graphic formation of the two interlocking octagons also creates an â€Å"eye† of foresight of the organisation. Industry Of Public Bank Berhad Public Bank Berhad is an industry leader in hire purchase financing, home mortgage financing and commercial lending to SMEs in Malaysia. The bank has a strong distribution network comprising 248 full service branches in Malaysia and 109 overseas in Hong Kong, China, Vietnam, Cambodia, Laos and Sri Lanka. Public Bank Product Range Of Public Bank Berhad Public Bank Berhad in one of the leading providers of integrated financial services in Malaysia. It primarily focuses on providing banking and financial services. The bank is engaged in offering various financial products and services, which includes investment banking, commercial banking, wealth management products, and Islamic banking services. Target Market Of Public Bank Berhad The whole Malaysian, Hong Kong, China, Vietnam, Cambodia, Laos and Sri Lanka. Aimed at providing customized banking services and products to individual customers in addition to small business concerns. Consumer Groups The core business areas of the Public Bank Group are consumer and retail commercial loans. Individuals and families can find a range of lending solutions to buy residential unit, vehicle or a consumer good. The bank offers home loan, car loan, passenger vehicle hire purchase financing and personal loan at easy terms and conditions. The small and medium sized enterprises, too, can find simplified procedure here to apply for a commercial loan. Position of The Company In Relation To Other Competitors Public Bank Berhad operates in the Commercial banks sector. This analysis compares Public Bank Berhad with three other companies: Malayan Banking Berhad (2011 sales of 18. 28 billion Malaysian Ringgits [US$5. 85 billion] of which 25% was Consumer Banking), Cimb Group Holdings Berhad (2010 sales: 16. 06 billion Malaysian Ringgits [US$5. 14 billion] of which 19% was Foreign Banking Ope), and AMMB Holdings Berhad (2011 sales of 5. 83 billion Malaysian Ringgits [US$1. 87 billion] of which 46% was Retail Banking). Company| Sales(blns)| P/E| P/B| Mkt Cap(RMm)| Revenue(RM’000,000)| Public Bank Berhad| 10. 345| 13. 1| 3. 10| 45,067. 8| 10,523| Malayan Banking Berhad| 18. 278| 13. 0| 1. 90| 62,592. 67| 18,397| Cimb Group Holdings Berhad| 16. 059| 13. 5| 2. 07| 55,597. 16| 16,635| AMMB Holdings Berhad| 5. 831| 12. 2| 1. 69| 17,904. 26| 6,343| Market Capital Revenue Ratio For Public Bank | 2008| 2009| 2010| Current ratio| 120,700,000,000/34,789,000,000=3. 47| 137,600,000,000/41,835,000,000=3. 29| 156,500,000,000/45,911,000,000=3. 41| Quick ratio| 60,656,000,000/34,789,000,000=1. 97| 67,986,000,000/41,835,000,000=1. 63| 59,269,000,000/45,911,000,000=1. 29| Average age of inventory | Impossible since PBB is not involved in trading. No inventories| Impossible since PBB is not involved in trading. No inventories| Impossible since PBB is not involved in trading. No inventories| Average Collection Period| Impossible since PBB is not involved in trading. No sales hence no receivables| Impossible since PBB is not involved in trading. No sales hence no receivables| Impossible since PBB is not involved in trading. No sales hence no receivables| Average payment period| Impossible since PBB is not involved in trading. No purchases| Impossible since PBB is not involved in trading. No purchases| Impossible since PBB is not involved in trading. No purchases| Total asset turnover| 10,500,307,000/196,163,106,000=0. 054| 9,715,568,000/271,136,154,000=0. 045| 11,035,597,000/226,328,976,000=0. 049| Debt ratio| (185,934,374,000/196,163,106,000)x100=94. 79%| (205,420,830,000/217,136,154,000)x100=94. 60%| (212,643,888,000/226,328,976,000)x100=93. 96%| Time interest earned| 18,790,015,000/4,562,396,000=4. 12x| 17,068,609,000/3,316,609,000=5. 15x| 19,149,128,000/3,516,111,000=5. 45x| Gross profit margin| (3,948,155,000/10,500,307,000)x100=37. 60%| (4,015,055,000/9,715,568,000)x100=41. 33%| (4,738,265,000/11,035,597,000)x100=42. 4%| Net profit margin| (2,622,660,000/10,500,307,000)x100=24. 98%| (2,551,540,000/9,715,568,000)x100=26. 26%| (3,099,077,000/11,035,597,000)x100=28. 08%| ROA| (2,622,660,000/196,163,106,000)x100=1. 34%| (2,551,540,000/217,136,154,000)x100=1. 18%| (3,099,077,000/226,328,976,000)x100=1. 37%| ROE| (2,622,660,000/10,228,732,000)x100=25. 64%| (2,551,540,000/11,715,324,000)x100=21. 78%| (3,099,077,000/13,685,088,000 )x100=22. 65%| Analysis Of Public Bank Performance Liquidity Ratio Current Ratio = Current assets/current liabilities 2008| 2009| 2010| 120,700,000,000/ 34,789,000,000 =3. 7| 137,600,000,000/ 41,835,000,000 =3. 29| 156,500,000,000/ 45,911,000,000 =3. 41| The ratio is mainly used to measure the company’s ability to pay back  its short-term liabilities with its short-term assets. As we seen the company current ratio for these 3 years, there are decreases from year 2008 to year 2009 but they increase back when come to year 2010. These 3 years current ratio is significant higher than the acceptable ratio. The acceptable ratio is 2:1 but for the public bank, the current ratio are (2008 1 : 3. 47, 2009 1 : 3. 29, 2010 1 : 3. 41). These shows that the Public Bank is not using its resources as efficiently as it could be. Public Bank should reduce its current assets so there are no excessive current assets. Quick Ratio = (current assets-inventories)/current liabilities 2008| 2009| 2010| 60,656,000,000/ 34,789,000,000 =1. 97| 67,986,000,000/ 41,835,000,000 =1. 63| 59,269,000,000/ 45,911,000,000 =1. 29| Quick ratio  measures  a company’s ability to meet  its short-term obligations with  its most liquid assets. The higher the quick ratio,  the  better the position of the  company. From the company 3 years quick ratio, the quick ratio are (2008 1 : 1. 7, 2009 1 : 1. 63, 2010 1 : 1. 29) These shows that the company quick ratio is slightly higher than the acceptable ratio that are 1:1. But the quick ratio for the company are getting better year to year. The company should reduce its current account to reach the desirable ratio that are 1:1. Activity Ratio Average age of inventory =(Average invento ries/Cost of sales)x365 2008| 2009| 2010| N/A| N/A| N/A| Impossible to compute since Public Bank Berhad is not involved in trading. No physical inventories are involved. Average collection period = (receivables/sales) x365 2008| 2009| 2010| N/A| N/A| N/A| Impossible to compute since Public Bank Berhad is not involved in trading. No physical inventories are involved. Average payment period =(Payable/Cost of sales)x365 2008| 2009| 2010| N/A| N/A| N/A| Impossible to compute since Public Bank Berhad is not involved in trading. No physical purchases are involved. Total assets turn over= Operating revenue/total assets 2008| 2009| 2010| 10,500,307,000/196,163,106,000 =0. 054| 9,715,568,000/271,136,154,000 =0. 045| 11,035,597,000/226,328,976,000 =0. 049| Asset turnover  measures  a firm’s efficiency at using its assets in generating sales. The total assets turnover over for the 3 years, there are decrease in year 2009 but increases in year 2010. For each RM1 of assets for the year 2008, Public Bank only manage to generate RM0. 054 of sales. For the year 2009 and 2010, for each RM1 of the assets, Public Bank only generates RM0. 045 and RM0. 049 of sales. The amount are worsen but there are increases for year 2010. This is because the company have higher profit margin, so they would have lower assets turnover. Financial Ratio Debt ratio=(Total liabilities/Total asset)x100% 2008| 2009| 2010| (185,934,374,000/196,163,106,000)x100=94. 9%| (205,420,830,000/217,136,154,000)x100=94. 60%| (212,643,888,000/226,328,976,000)x100=93. 96%| A ratio that indicates what proportion of debt a company has relative to its assets. The measure gives an idea to the leverage of the company along with the potential risks the company faces in terms of its debt-load. Time Interest Earned Ratio=EBIT/Interest 2008| 2009| 2010| 18,790,015,000/4,562, 396,000=4. 12x| 17,068,609,000/3,316,609,000=5. 15x| 19,149,128,000/3,516,111,000=5. 45x| Ensuring interest payments to debt holders and preventing bankruptcy depends mainly on a company’s ability to sustain earnings. However, a high ratio can indicate that a company has an undesirable lack of debt or is paying down too much debt with earnings that could be used for other projects. The rationale is that a company would yield greater returns by investing its earnings into other projects and borrowing at a lower cost of capital than what it is currently paying to meet its debt obligations. Analysis : The company have a high time interest earned ratio in this few year and the ratio keep increase. This suggests that this company is less burdened by debt expense and the company has no problem in settling its interest expenses in the future. Profitability Ratio Gross Profit Margin=Gross profit margin/Net sales 2008| 2009| 2010| (3,948,155,000/10,500,307,000)x100=37. 60%| (4,015,055,000/9,715,568,000)x100=41. 33%| (4,738,265,000/11,035,597,000)x100=42. 94%| The gross margin is not an exact estimate of the company’s pricing strategy but it does give a good indication of financial health. Without an adequate gross margin, a company will be unable to pay its operating and other expenses and build for the future. Net Profit Margin=(Earning to common stockholders/sales)x100% 2008| 2009| 2010| (2,622,660,000/10,500,307,000)x100=24. 98%| (2,551,540,000/9,715,568,000)x100=26. 6%| (3,099,077,000/11,035,597,000)x100=28. 08%| Net profit margin is the ratio of net profit to revenues a company’s pricing strategy and operating efficiency. Return On Assets=(Earning to common stockholders/total assets)x100% 2008| 2009| 2010| (2,622,660,000/196,163,106,000)x100=1. 34%| (2,551,540,000/217,136,154,000)x100=1. 18%| (3,099,077,0 00/226,328,976,000)x100=1. 37%| Return on assets is an indicator of how profitable a company is relative to its total asset, the ratio measures how efficient management is at using its assets to generate earning. Return On Equity=(Earning to common stockholders/total equity)x100% 2008| 2009| 2010| 2,622,660,000/10,228,732,000)x100=25. 64%| (2,551,540,000/11,715,324,000)x100=21. 78%| (3,099,077,000/13,685,088,000)x100=22. 65%| Return on equity  measures a corporation’s profitability  by revealing how much  profit a company generates  with the  money  shareholders have invested. Analysis : Public Bank Berhad have a very high net profit margin and the profit increase from 24. 98% in year 2008 to 26. 26% in year 2009. When in year 2010, it rise to 28. 08% again. It’s mean this company generate 24. 98% in year 2008, 26. 26% in year 2009 and 28. 08% in year 2010 for every RM100 sales. Furthermore, the return on assets are in the high rate. In the year 2008, the ROA is 1. 34% and it decreased to 1. 18% in the year 2009. However, in year 2010 the ROA increases to 1. 37%. It’s because of Public Bank has expanded its self –service channels such as Automated Teller Machines, Cheque Deposit Machines and Cash Deposit Terminals to 1,400 machines to serve its large customer base. The ROE for this company in year 2008 is 25. 64%. However it drops to 21. 78% in the year 2009. The ROE increases again in the year 2010 to 22. 65%. It’s mean this company is more capable of generating cash internally. For the example, Public Bank Berhad is able to pay its shareholders the return he interest of 25. 64% in the year 2008. Conclusion The Overall of our research about Public Bank Berhad have a very good performance. The Public Bank group should seek to tap all growth opportunities arising from the improving economic and business environment, with the aim of delivering superior shareholder value over the long-term. Reta il consumer and commercial banking should remain the core focus of the Group. In consumer financing, the group should continue to promote home mortgages, passenger vehicle hire purchase financing and personal financing. Recommendation Overall all our research about Public Bank Berhad and its competitors, Public Bank Berhad was performance very well in this 3 years. Especially when come to the year 2010, the profit before tax increases by 23. 0%. The Group’s gross loans, advances and financing recorded strong growth of 13. 8% in 2010, with the Group’s domestic lending business growing 15. 6% during the year. However, Gross impaired loans ratio drop by 0. 03%. The financial pandemic in late 2008 and 2009 that threatened to push the global economy into a deep recession was largely contained through the concerted efforts of the world’s major government and central banks. How to cite Public Bank Berhad, Essay examples

Thursday, December 5, 2019

A Review of Exploring the Therapeutic free essay sample

The article explores the concept of incorporating spiritual practices in the clinical practice of counseling. One of the primary elements the article wishes professional counselors to consider is the idea that the values and practices of religious clients deserve the same level of respect and sensitivity as any other ethno-cultural aspect of a clients life (Eck 266). In order to accomplish this, the author identifies the ethical, cultural, and professional practice parameters that all counselors should onsider. Eck points out that many professionals receive training to better assist clients from diverse ethnic backgrounds, but very few incorporate any spiritual framework within sessions with a religious client. The research he analyzed indicates that between fifty and ninety percent of clients seen highly value their spiritual orientation, yet it seems that many counselors prefer to leave spirituality out of the sessions. There are several reasons he believes this may happen, but advocates strongly that proper training with regard to incorporating religious practices in the ounseling session would help counselor competence in the area and provide a better tramework tor assisting religious clients He also recommends proper assessment to determine if spiritual interventions would even benefit the client. We will write a custom essay sample on A Review of Exploring the Therapeutic or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page In addition to discussing religious practices with the client, he also suggests the utilization of standardized measures. In addition to taking an assessment of the clients spirituality, the article recommends that professionals be aware of their own level of spirituality and how those beliefs may affect any interaction with a client. There are many ways to incorporate spiritual interventions into practice, but deciding on the best practice depends on the client and on the therapists level of training. On the whole, spiritual intervention is a method that helps the client live the life their religion advocates when the client is unable to do so alone. The article does suggest more research needs to be done to help build better model of therapeutic practices, but indicated many therapists would benefit with simply training more thoroughly with the knowledge we already have. Reflection I was interested in analyzing this particular article because I have always been urious as to why spirituality and modern medicine seem to be mutually exclusive. I especially appreciated how Eck distinguished between the clients level spirituality and that of the therapist. Much like any other ethno-cultural aspect, a clients religion should be incorporated into therapy if it is warranted despite the therapists personal viewpoints. According to APA, religion is recognized under the code of ethics, but many therapists seem to leave the spirituality aspect of their clients lives to religious leaders in their clients lives. Since so many people highly value the spiritual omponent in their lives, it seems that a therapist is doing the client a disservice by not incorporating this aspect into their sessions. Another interesting aspect he presented in the article is the difference between implicit and explicit interventions. A therapist needs to be able to properly assess their own inclinations and beliefs in order to make sure the session is compatible with the needs of the client. This can be especially beneficial to the client when the therapist is trained to determine what avenue to take in assisting the client. There were several works that Eck referred to as being essential resources for the linician seeking to develop ethno-religious competency (Eck 267). The most recent work is listed as Richards and Bergins (2000) Handbook of Psychotherapy and Religious Diversity. In addition to reading this one, I would like to find a copy of Millers (1999) Integrating Spirituality into Treatment. I think these texts will provide more information on current models of treatment that incorporate spirituality into therapy sessions while also serving to enhance my understanding of religious practices that differ from my own. Application The information from this article can be easily applied to virtually any counseling etting. First and foremost I would make sure that I was aware of my own spiritual identity and any prejudices I might harbor about differing practices. Additionally, I would want to make sure I had a basic understanding of the major religions and a competent mentor that I could turn to if the occasion presented itself. I would begin by asking the client open ended questions about their religious views and practices to help determine whether spiritual intervention is appropriate. I would make sure to help the client feel comfortable talking about their religion in addition to all the other spects of their lives. I would also make doubly sure to refrain from talking to them about my preterences so there are no unintended teelings ot religious coercion. My next step would be to assess the level of the clients spirituality with standardized measures along with any other assessment appropriate for their concerns. If a spiritual intervention is warranted, I would find the appropriate spiritual discipline to address the clients condition. Eck has identified thirty-nine different spiritual disciplines from various authors that address common themes in therapy. Ultimately hat means identifying the religious ideal and discovering what is preventing the client from reaching that goal. In doing so, I can help the client move past these barriers and help them build a life more congruent with their faith. I would also encourage the client to be open with their religious leader about their struggles and progress as that can have a very positive affect for highly religious individuals.