Prevent School Bullying: Bullying can damage people for life

Bullying remains a key issue at most schools today. Everyone needs to feel that they belong.

Many teenagers cry themselves to sleep, aching to fit in.

I have personally walked through John Gray High School and seen a few incredibly lonely and vulnerable young students stifling to fit into an environment that seemed too harsh for their delicate natures.

Or the all-important school cafeteria, where yet again I see lonely wall flowers with their heads down, sometimes birched at the end of lunch tables pretending to be invisible.

In contrast, there will always be the cool kids, who appear to have it all, the obviously smart kids, the eccentric but wonderfully creative kids etc.

Please note that I have nothing against the age-old stereotypes or groups that you will ultimately find at any school; what I do have a problem with is bullying in our schools.

I have not been blessed as yet with children of my own, but it is my intention to assist with the reduction of the number of cases involving bullying in our schools.

It is my hope that in this process, I am able to assist with the creation of a more cohesive environment which is healthier, kinder and overall more tolerant of those who are different by enriching the hearts and minds of this generation and the generations to come.

So how can we as a nation, renowned for our kindness, counteract issues of discrimination in our schools, bullying and different types of biases in relation to gender, ethnicity and class?

How can we as World Leaders, Politicians, Preachers, Teachers, Students and every hardworking community leader facilitate the needs of our fellow pupils in spite of their class, ethnicity or gender?

How can we become champions for this great cause, known as “Preventing School Bullying “when we consider each of our schools policies and classroom procedures?

Well, I don’t pretend to know these answers right now, but I am ambitious enough to do my research and analysis and share my findings as I have started to do as seen below:

Jodee Blanco

Jodee Blanco is one of the pre-eminent voices on the subject of bullying.

She is a survivor, expert and activist as well as the author of The New York Times bestselling memoir, Please Stop Laughing At Me… One Woman’s Inspirational Story. A chronicle of her years as the student outcast, the book inspired a movement among bullying victims everywhere of all ages–in middle and high schools, on college campuses, at the workplace, and at home.

She is also a youth advocate and the creator and executive producer of the critically acclaimed It’s NOT just joking around! anti-bullying program.

Her advice for students

  • If you’re a victim of bullying, remember, there’s nothing wrong with you.  It’s everything that’s right about you that makes you stand out from the crowd. Don’t change for anyone.  It is those who put you down and exclude you who need to change.
  • Never ignore the bullying and walk away.  You must look the bully in the eye without any emotions or fear, command him/her to stop, and then stare them down long enough for them to know you mean business. Sometimes this works! Always defend your dignity and  your  pride. Remember, standing up for yourself nonviolently in the moment that abuse occurs is your basic human rights. Seeking vengeance later on is the mistake.
  • Don’t suffer in silence. Confide in an adult you trust that you’re being bullied and need help.
  • School doesn’t have to be your whole world even though it may sometimes seem that way. Seek an alternative social outlet like the public library, local park, or various community centers.
  • If you see someone being bullied and don’t want to be a bystander, you have two options.  Intercede on the victims behalf and tell the bullies to stop or devise a clever excuse to pull the victim away from the situation.
  •  If you think you may be a bully or an Elite Tormentor, recognize that it’s not just joking around. You may be damaging someone else’s life for a lifetime. Stop and think about that for a moment. The next time you abuse or shun another classmate, or the worst of all, treat him/her as if their invisible.
  • Always remember that bullying isn’t just the MEAN things you do, it’s all the NICE things you never do on purpose.
  • Another thing, If you see a classmate is struggling to fit in or being maligned (means to have someone say unpleasant, vicious and untrue things about someone), tell a teacher or counselor. It could change that person’s life and it could save yours. You never want what happened at the Columbine High School or Sandy Hook Elementary School in Newton to happen at your school too.
  • Don’t be afraid of professional help. Be honest with everyone, including yourself.  Your not crazy!
A school bus passes a makeshift memorial to the victims of the Sandy Hook Elementary School shooting as it takes students to Newtown High School December 18, 2012 in Newtown, Connecticut. Students in Newtown, excluding Sandy Hook Elementary School, return to school for the first time since last Friday’s shooting at Sandy Hook which took the live of 20 students and 6 adults.

AFP PHOTO/Brendan SMIALOWSKI / AFP / BRENDAN SMIALOWSKI (Photo credit should read BRENDAN SMIALOWSKI/AFP/Getty Images)
  • Pay attention to other classmates who may be experiencing some of the same loneliness and rejection you are experiencing and reach out to them in friendship.  You could end up forging bonds that will last a lifetime.

What is “Academic Bullying “?

That’s when a student or group of students purposely make it difficult for a classmate to perform academically.  For example, if your assigned a book report and another classmate checks out the book you need and keeps it just so you can’t have access to it for your assignment, that’s academic bullying.

What role does ethnicity play in school bullying?

When ethnic groups bully each other, it can be hurtful and infuriating, but at least “intended targets” can lean on others within their own group for support.  It’s damaging however when the members of an ethnic group turns on one of their own, because that person is now not only bullied from the outside but also shunned on the inside. Wow!

Cases like these frequently have long-term emotional and psychological consequences.

Can sibling rivalry have an impact on school bullying?

Jodee Blanco also states that sibling rivalry can be the early breeding ground for bullying behaviors. It’s important that parents do not allow sibling rivalry to flourish, because if children don’t learn compassion early on, in the home, they will bring that same lack of empathy to school.

Simba idolizes his father, King Mufasa, and takes to heart his own royal destiny on the plains of Africa. But not everyone in the kingdom celebrates the new cub’s arrival. Scar, Mufasa’s brother — and former heir to the throne — has plans of his own. The battle for Pride Rock is soon ravaged with betrayal, tragedy and drama, ultimately resulting in Simba’s exile. Now, with help from a curious pair of newfound friends, Simba must figure out how to grow up and take back what is rightfully his.

Generation K (True Lies)

Everyone lies at one time or another including me. Lying is a universal talent. Some people can do it rather well. Most little kids start practicing the skill as soon as they master language.

When you look at it objectively it seems the ability to lie is part of everyone’s kit of survival tools, a side effect of possessing language skills. There are a lot of situations in which the ability to lie is extremely useful.

For instance, there are times when you might have to lie to protect yourself or someone else. Or you might have to lie just to defend your personal privacy. People lie all the time to diffuse a tense social situation or to avoid hurting someone’s feelings or even to calm someone who is frightened.

The way I see it, if people couldn’t lie, they probably wouldn’t be able to live together in groups, at least not for long or with any degree of sociability. The bottom line is- if humans could not lie, civilization as we know it would cease to exist.

http://noreena.com/generation-k-what-it-means-to-be-a-teen-today-what-this-means-for-you/

According to Noreena Hertz, an author and commentator who, among other roles, advises world leaders on strategy, economics, geopolitical risk and artificial intelligence, stated that Generation K, sometimes referred to as Generation Z, has been fundamentally shaped by technology and spends a third of their day on different social media platforms online.

As the keynote speaker at the Royal Fidelity Cayman Economic Outlook Conference held on February 28th 2019 at the Kimpton Seafire Resort + Spa, Ms. Hertz offered insights into this generation, which she says will make up approximately one third of the global workforce by the year 2022.

“Generation K” is made up of people born between 1994 and 2003. The “K” originates from the film franchise heroine with whom the generation’s members most identify: Katniss Everdeen of “Hunger Games”.

They have also been shaped by the worst recession in recent years, the financial crisis of 2008, job insecurities and a lack of financial optimism. Not to mention existential threats forged by the Manchester and Paris terrorist attacks, the rise of Al Qaeda and Isis, several terrorist attacks and multiply school shootings in many of their home cities.

Unfortunately, this generation has been desensitized from an early age to violence due to the repetitive and constant exposure experience in various ways as they grow. She states that it is not that the world had all of a sudden become garbage, but now many children and young adults’ own smartphones which never leave their side.

Unsupervised access to the internet, grants children many opportunities to bully others and be bullied. To view explicit videos and information and sometimes encounter sinister recruitment websites.

Ms. Hertz believes that because this generation saw the world as unequal and harsh, the impact is now making them extremely anxious. She says, statistics show that in the US, more than one in five high school students had contemplated suicide, and in the UK, there had been a threefold increase in the number of teenagers who self-harmed.

Although her research was primarily focused in the United States and the United Kingdom, she has also conducted limited studies in other western European countries as well.

Cayman Islands
https://teneishajohnsondream.wixsite.com/dreamcreator/the-intelligent-person

She continues to state that this generation strongly believes in equality. Economic, educational, racial, gender and social equality. They also are concerned about global issues like global poverty, global hunger and climate change.

Generation K has had to master the art of true lies in order to survive.

Also visit Joint Action Against Homophobic Bullying Project (JAAHB) at the following link: https://www.intercomtrust.org.uk/

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Testamentary Capacity, Holographic Wills and Living Trusts vs. Wills

A few years ago I acquired more information regarding making a valid will in the Cayman Islands.

The execution requirements for making a valid will in the Cayman Islands are set out in the Wills Law (2004 Revision).

It is also a requirement of Cayman Islands law that a testator must have testamentary capacity at the time of creating his or her will.

The test for testamentary capacity, known as the “golden rule,” was first explained in the English case of Banks vs. Goodfellow and it remains good law in the Cayman Islands today. Here are the facts:

(a) Does the testator understand the nature and effect of what he/she is doing;

(b) Is he/she aware, broadly, of the extent of his/her estate;

(c) Does he/she appreciate the claims of those who might reasonably expect to benefit from his/her estate; and

(d) In considering (c), is there any disorder of the mind or insane delusion that will influence the disposition of his/her property or poison his/her affections such that he/she would make a disposition of property that he/she would not otherwise have made.

In summary, the Wills Law provides that a will must be in writing; it must be signed by the testator or by some other person in his/her presence, at his/her direction.

If the latter, the testator must acknowledge such signature in the presence of two witnesses present at the same time.

If the former, the testator’s signature must be attested to by two witnesses present at the same time in his/her presence.

Subject to only two exceptions for soldiers and sailors on active service, the execution requirements must be complied with; if not, it will be invalid.​

Holographic Wills

Unfortunately, the Cayman Islands law does not, as a general principle, permit holographic wills.

Holographic wills are documents that are usually handwritten and do not comply with the strict requirements for proper execution as a will but have nevertheless been written as testamentary documents, often in extreme circumstances.

​Famous Holographic Will

The most famous holographic will was that of Cecil George Harris, a Canadian farmer who in 1948 suffered the misfortune of becoming trapped under his tractor and fearing that he was about to die, carved a will into the fender which read, “In case I die in this mess I leave all to the wife. Cecil Geo. Harris.” The fender was submitted to probate as his valid holographic will.

Testamentary Capacity

Apparently in the common law tradition, testamentary capacity is the legal term of art used to describe a person’s legal and mental ability to make or alter a valid will.

This concept has also been called sound mind and memory or disposing mind and memory. Cool!

I also learnt that Testamentary intent refers to a testator’s intention with respect to a particular instrument that functions as his/her last will.

Testamentary intent is required for a will to be valid.

Then we have to consider the person’s legal capacity to enter a contract:

Here is a definition and example:

One of the elements of a contract is capacity. Capacity means that a person is legally able to enter into a contract.

There are several things that make a person legally able to do so, including age and state of mind.

A person who is in the end stages of Alzheimer’s disease probably does not have the requisite capacity to sign legal documents.

However, a person with a diagnosis of dementia may very well be able to sign legal documents. Generally speaking, capacity is usually analyzed situationally.

The other way to change your will is by adding what is called a codicil. A codicil is like an amendment or addition to your will.

Use a codicil to revoke part of your will or add a new provision.

To be valid, they must be dated, signed, and witnessed just like a legal will.

I learnt that it is extremely important to keep your will updated. As life changes, so do potential beneficiaries and heirs.

Updating Your Last Will and Testament

If you do not keep your last will and testament updated, it may not reflect your wishes given your new circumstances. The following are good situations in which changing a will may be wise.

  • Marriage:
    • When you get married, both you and your spouse should each create a new will.
    • Most states have laws that award a percentage of your estate to your spouse upon your death.  
    • However, if you want to devise your will differently, you should specify this in your will.
    • Furthermore, adding your spouse to your will may change the percentage of your estate, or of a specific asset, that another beneficiary or heir was previously written to receive.
    • Changing a will should reflect this new proportion as you see fit.
  • Common Law Marriage:
    • The following information was all I could find that would classify eligibility:
    • Any person who has been married to a Caymanian-

v      for at least five years immediately preceding the application, where the marriage took place prior to the 1st January 2004; or

v      for at least seven years immediately preceding the application, where the marriage took place on or after 1st January 2004

v      whose marriage is not a marriage of convenience;

v      who is not living apart from his spouse under a decree of a competent court or under a deed of separation;

v      who has not lived apart from his spouse for an aggregate period of three months

v      out of the five years immediately preceding the application where the marriage took place prior to 1st January 2004; or

v      out of the seven years immediately preceding the application where the marriage took place on or after 1st January, 2004.

v      who is legally and ordinarily resident* in the Islands immediately preceding his application; and

v      who has not in any country been convicted of an offence for which a sentence of imprisonment not exceeding twelve months has been passed other than for non-payment of a fine unless-

1.      the conviction has been quashed on appeal or has been the subject of a free pardon;

2.     the act or omission giving rise to such conviction would not be an offence if done or omitted in the Islands in similar circumstances; or

3.     the conviction is one which, in the interest of justice, the Board directs to be ignored for the purposes of this section,

  • Obtaining a new partner, without marriage:
    • Only if married will your partner automatically receive assets from your estate.
    • So, if you find yourself with a new loved one, changing a will to reflect what you would like to leave that partner is necessary.
  • Divorce:
    • Upon divorce, some states revoke any gifts you leave your spouse in your will. Other states do not.
    • Changing a will upon a divorce is very important.
    • You will want to either specify what you want to leave your former spouse, or else specify how those gifts should now be distributed.
  • A new baby:
    • There are laws in some states that give children some portion of your assets upon your death.
    • However, not everyone wants their property to be distributed the way the state laws specify.
    • If you welcome a new baby into your family, be sure to specify what gifts, the baby shall receive, by changing a will.
    • Perhaps more importantly, be sure to appoint a guardian for the baby.
    • This will be the person who will care for your baby should anything happen to you.
  • New stepchildren:
    • Stepchildren are not automatically entitled to inherit a share of your property in many states.
    • Therefore, if you would like for your stepchildren to inherit any of your property, be sure to specify your wishes by changing your own will.
  • Moving from a community property state to a common law property state:
    • The laws governing what each spouse owns vary depending on whether the couple lives in a community property state or a common law property state.
    • Therefore, if you are planning on moving to a new state, check that states laws.
    • If it differs from the one you currently reside it, be sure to change your own will, according to your new property ownership status.

i.e.    Persons of independent means:

The Cayman Islands Government offers five Immigration products for wealthy, private investors and senior executives who are seeking long-term residence in the Cayman Islands.

1.      Certificate of Permanent Residency for Persons of Independent Means (Form R5) – Persons who invest a minimum of two million Cayman Islands’ Dollars in developed real estate in the Cayman Islands may apply for a Certificate of Permanent Residence for Persons of Independent Means.

As the Certificate title denotes, a holder has the right to reside indefinitely in the Cayman Islands.

A holder will also have the option of seeking naturalization as a British Overseas Territories Citizen and, thereafter, the right to be Caymanian.

A holder and his spouse may also have their permission to remain varied to allow the right to work in the Cayman Islands.

2.      Residency Certificate for Persons of Independent Means Form R2 – This facility is for persons who wish to reside long-term in the Cayman Islands without the right to work.

Applicants will be required to demonstrate that they have invested a prescribed minimum amount in developed real estate in the Islands and that they meet certain financial standing requirements.

A successful applicant will be granted permission to reside in the Islands for a period of 25 years (renewable). This residence type cannot be varied to allow the right to work.

3.      Certificate of Direct Investment Form R8 – The Certificate of Direct Investment is for persons who invest, or propose to invest, a minimum prescribed amount in a licensed employment generating business in the Cayman Islands and in which he/she will exercise substantial management control.

An applicant must demonstrate a substantial business track record or an entrepreneurial background, including specific professional, technical and other knowledge relevant and necessary to carry on the business.

4.      Residency Certificate (Substantial Business Presence) Form R6 – This facility is for persons who invest in, or who are employed in a senior management capacity within, an approved category of business in the Cayman Islands.

A successful applicant is granted a Residency Certificate valid for 25 years (renewable) which entitles him to reside in the Islands and to work in the business in which he has invested or is employed in a senior management capacity.

  • Changing your mind about heirs: Of course, things can happen in life that cause people to change their minds about the way in which they’d like their property distributed. Changing a will to reflect these new wishes is important.
  • New or disposed of assets: Perhaps in your will you would like to leave all of your property or a percentage of your property to your heirs, then what you own changes and there is no need to change your will. However, if you have willed certain gifts to people in your will, and you no longer have those properties, be sure to remove said property from your will. Additionally, when you acquire new property, be sure to account for that in your will.

Ways of changing a will

The easiest way of changing a will is simply to make a new will. It is imperative that you revoke the old will.

To do this, simply write a statement in the new will that states that you revoke all wills and codicils that you have previously made.

This is sufficient to revoke any previous wills, but it is wise to also destroy any of your previous wills in order to avoid confusion or challenges to your new will.

The other way to change your will is by adding what is called a codicil.

A codicil is like an amendment or addition to your will. Use a codicil to revoke part of your will or add a new provision.

To be valid, they must be dated, signed, and witnessed just like a legal will.

Codicils were an efficient way of changing a will before there were computers and printing was a hassle.

Today, codicils should be avoided wherever possible. They can cause confusion, be lost, and are sometimes even a means to challenge wills.

That information is definitely worth remembering!

Changes to other estate documents

Much of your property passes by law to beneficiaries, despite what your will says.

Property such as retirement proceeds, life insurance proceeds, joint bank accounts, payable-on-death bank accounts, and stocks registered with a transfer-on-death form all pass directly to a specified beneficiary.

If you change your mind about who the beneficiary should be, change the names using the forms on which you named the original beneficiaries.

Do not change the named beneficiaries through your will, for it will have no effect.

Living trusts are also not affected by the terms of your will. If you decide to change the terms of your living trust, add an amendment to the original trust document. Then, transfer property in or out of the trustee’s name, accordingly.

You do not need to worry about having to revoke a trust and create an original one, like when changing a will.

Living Trust

What Is a Living Trust?

Aliving trust is a legal document, or trust, created during an individual’s lifetime where a designated person, the trustee, is given responsibility for managing that individual’s assets for the benefit of the eventual beneficiary.

A living trust is designed to allow for the easy transfer of the trust creator or settlor’s assets while bypassing the often complex and expensive legal process of probate. Living trust agreements designate a trustee who holds legal possession of assets and property that flow into the trust.

KEY TAKEAWAYS

  • A living trust designates a trustee to manage assets for the beneficiary, while the grantor is still alive.
  • Trustees with fiduciary duty manage trusts according to the beneficiary’s best interests.
  • Living trusts can be either irrevocable or revocable.

How Living Trusts Work

Living trusts are managed by a trustee who typically has a fiduciary duty to manage the trust prudently in the best interests of the trust’s beneficiary or beneficiaries designated by the trust settlor, also called a grantor. Upon the death of the settlor, these assets flow to the beneficiaries according to the grantor’s wishes as outlined in the trust agreement. Unlike a will, however, a living trust is in effect while the settlor is alive and the trust does not have to clear the courts to reach its intended beneficiaries when the settlor dies or becomes incapacitated. 

Types of Living Trusts

Living trusts can be irrevocable or revocable.

Living Revocable Trust

With a living revocable trust, the trust settlor can designate himself or herself as the trustee and take control of assets within the trust. However, this stipulation means the assets in the trust remain a part of the trust settlor’s estate, meaning the individual may still be liable for estate taxes should the estate be valued beyond the estate tax exemption at the time of death. The trust settlor also has the power to change and amend trust rules at any time. This means the trust settlor is free to change beneficiaries or undo the trust altogether.  

Irrevocable Living Trust

With an irrevocable living trust, the settlor relinquishes certain rights to control over the trust. The trustee effectively becomes legal owner, but the individual would also reduce his or her taxable estate. Once the trust agreement for an irrevocable living trust is made, the named beneficiaries are set and the settlor can do little to amend that agreement. 

Wills and Trusts

Wills and Trusts are both estate planning documents used to pass assets on to beneficiaries at death. … Here are five ways in which a Trust is better than a Will to pass your estate to your beneficiaries. A Trust can be used to Avoid Probate – a Will cannot.

When you die, this creates a change of beneficiary or beneficiaries. The person or persons you named in your trust documents to inherit from you become the new beneficiaries upon your death. They now own the assets you placed in your trust, according to the terms you decided when you made it.

Advantages to using a Trust over a Will

Wills and Trusts are both estate planning documents used to pass assets on to beneficiaries at death.  However, there are distinct advantages to using a Trust over a Will.  Here are five ways in which a Trust is better than a Will to pass your estate to your beneficiaries.

  1. A Trust can be used to Avoid Probate – a Will cannot. Probate is the process of changing the title on assets when someone passes away.  Assets that are owned in a deceased person’s individual name and for which there is no named beneficiary are no longer accessible once the owner of the asset has died. In order for family members to gain access to accounts or other assets in the deceased’s individual name, they must file a petition with the probate court and wait for the court to approve the Will and appoint the Personal Representative.  This can be a long and costly process during which bills cannot be paid and assets cannot be managed.  A Trust is an excellent probate avoidance tool because assets that are owned in the name of a Trust are immediately accessible to the trust-maker’s designated successor.
  2. A Trust can provide Creditor Protection for the Inheritance you Leave to Beneficiaries – a Will cannot. Many people worry that the inheritance they leave to their children will be lost to their children’s creditors such as a divorcing spouse, unpaid credit card bills, a bankruptcy, a business loss, or a lawsuit.  Sadly, this is often the case when assets are distributed to beneficiaries via a Will.  A Trust allows the maker to safeguard an inheritance from the reach of the beneficiaries’ creditors by keeping the assets out of the name of the beneficiary.  Ownership of the assets remains in the Trust.  The beneficiary will have access to the assets in accordance with the directions you leave in your Trust. You may also allow your beneficiary to serve as Trustee, allowing the beneficiary to manage her own inheritance.  By leaving assets to your beneficiaries via a Trust rather than outright via your Will, you can ensure that the assets you worked so hard for will be available to your children and future generations.
  3. A Trust can Protect Governmental Benefits for a Person with Disabilities – a Will cannot. If you have a child, grandchild or other beneficiary with disabilities, then a Trust is a must.  If you leave assets to a person who receives needs-based governmental benefits via your Will, it will place your beneficiary in the difficult position of either losing those benefits, or transferring the inheritance into a Trust of which the state must be the beneficiary at the beneficiary’s death.  Unless the inheritance you are leaving is so significant that the monetary and medical benefits available to the person through programs such as Social Security and Medicaid are no longer important, then making sure that those governmental benefits continue to be available is vital.  Leaving assets to a person with disabilities via a Trust is the best way to ensure those governmental benefits are preserved and that the inheritance you leave will be available to pay for expenses that are not covered by these governmental benefits, which while vital to many, are limited in their scope.
  4. Trusts can Reduce Estate Taxes – a Traditional Will cannot. Many married couples have so-called “I-love-you” Wills, which leave all assets outright to the surviving spouse upon the first death.  If you have an estate of more than $1,000,000, then using “I-love-you” Wills means that money you think you are leaving to your beneficiaries will in fact be going to the Commonwealth of Massachusetts in the form of estate tax payable at the surviving spouse’s death.  If you would prefer that your assets pass to your family, create Trusts to reduce estate taxes.  Estate tax planning via Trusts for married couples is standard planning and permissible under both state and federal tax laws.
  5. A Trust can Administer Assets for Minor Beneficiaries without Court Intervention – a Will cannot. Leaving money directly to a minor creates an administrative nightmare because the law provides that a minor does not have the legal capacity to receive assets. The parent of the minor also does not have the ability to act as the child’s legal representative until the court says so.  As such, if you die with a Will that leaves money to minor beneficiaries, the court will need to appoint a Conservator to receive that inheritance for your children.  The Conservator will be required to report annually to the court and the court will appoint an overseer (guardian ad litem) to make sure the Conservator is doing his or her job for your minor beneficiaries.  This means huge costs and long delays in administering funds for minors.  It also means that when the minor turns 18, he or she will be entitled to receive all of those assets and will be free to do with them as he or she wishes (think fast cars, spring break, and lots of shopping).  Creating a Trust to receive assets passing to a minor, or even to a young adult beneficiary, is the best way to ensure that the court is not involved in the process, that the person  you want to manage assets for the beneficiary is able to do so, and that the beneficiary can use  the assets only for purposes you decide are important and/or at ages that you dictate.

These are just five ways in which a Trust is superior to a Will.

When There is no Will

According to Robert Mack, HSM Chambers, most people know that making a will is the “adult thing” to do, especially when children and other dependents are involved.

However, like most unpleasant things in life, we tend to put it off for as long as possible.

In some tragic cases life can end suddenly and unexpectedly, or a person can be struck down by illness and lose their mental capacity which would otherwise prevent them from creating a valid will.

So, when there is no will, what is the way?

See the Journal’s  link below for more details:

Where there’s no will – there’s a way

Digital Assets

Let’s also not forget that digital assets fall into two broad categories: valuable and sentimental.

Valuable digital assets include such things as cryptocurrencies, online investment/bank accounts, online store credits, intellectual property, and anything else which has a tangible dollar value attached to it.

Sentimental digital assets, on the other hand, include photographs, personal videos, blog posts, social media accounts, and information held in email messages.

So how can a Will manage these two distinct types of digital assets?

See the Link below for more details:

The Intelligent Person

Over the past few centuries, a certain ideal has become very popular: that of the intelligent person.

In traditional schools, the intelligent person would master classical languages and mathematics.

In a business setting, the intelligent person would anticipate commercial opportunities, take measured risks, build up an organization, and keep the books balanced and the stockholders satisfied all at the same time.

Kind of like a Renaissance Person. (Lol!) or maybe a Supercomputer!!!

Supercomputers

I was highly stimulated by my most recent research on Supercomputers. Guess what I found out? Supercomputers and mainframes are not competing solutions as you might think!

Quantum Computers vs. Supercomputers vs. Mainframes

Supercomputers vs. Mainframes 

Both Supercomputers and mainframes address a particular type of need. The difference between supercomputers and mainframes is best described as follows:

  • Mainframes – Computing power used to perform billions of small transactions. Wow!
  • Supercomputers – Used for focusing on solving a single big problem. Hhmm..very interesting.

When it comes to measuring how powerful supercomputers are, a unit of measurement referred to as “floating-point operations per second” or “flops” is used. 

Apparently, the authority when it comes to keeping track of who has the fastest computer is the TOP500 project.

Ever since 1993, TOP 500 has been using the Linpack benchmark to measure relative performance among supercomputers to determine who has the fastest computer. The list they produce every six months contains the top-500 computers in the world, along with some really interesting metrics. See the diagram below:

We can see that the fastest computer in the world is the Sunway TaihuLight, one of the greatest sources of Chinese national pride after the giant panda. With a ridiculous price tag of $273 million. Lol!

The TaihuLight is built entirely on Chinese engineered semiconductors as part of a program to decrease China’s reliance on foreign technology.

Countries with the most Supercomputers

When it comes to the country with the most supercomputers, the USA and China are now in a dead heat when measured by total GFlops (251 million vs. 235 million) and by number of machines (168 vs. 160).

Please also note that 88% of the computing power in the TOP 500 list is owned by just 10 companies:

Supercomputers vs Quantum Computers

When quantum computers are complete, they will be expected to work on the same sort of problems that supercomputers work on today – everything from designing better airplanes to discovering new drug molecules, to assisting people with their love life! Lol!

Let’s talk about Money

The Bible gives a prime example of the stewardship of money in the book of Luke,

Chapter 20: verses 20-26;

Paying Taxes to Caesar

20    Keeping a close watch on him, they sent spies, who pretended to be sincere. They hoped to catch Jesus in something he said, so that they might hand him over to the power and authority of the governor.

21    So the spies questioned him: “Teacher, we know that you speak and teach what is right, and that you do not show partiality but teach the way of God in accordance with the truth.

22    Is it right for us to pay taxes to Caesar or not?”

23    He saw through their duplicity and said to them,

24 “Show me a denarius. Whose image and inscription are on it?”

Caesar’s,” they replied.

25    He said to them, “Then give back to Caesar what is Caesar’s, and to God what is God’s.”

26    They were unable to trap him in what he had said there in public. And astonished by his answer, they became silent.

Wow!

The Ideal Human Being (Renaissance Man/Woman)

Every society features its ideal human being. The ancient Greeks valued the person who displayed physical or athletic agility, rational judgment, and virtuous behavior (good luck with the last point!) Lol!

The Romans highlighted manly courage, and the followers of Islam prized the holy soldier.

Under the influence of Confucius, Chinese populations traditionally valued the person who was skilled in poetry, music, calligraphy, archery, and drawing.

I was even fascinated to discover that even among the Keres tribe of the Pueblo Indians today, the person who cares for others is held in high regard. That’s my favorite and most encouraging! Maybe I’ll try for that one!

The Symbol Analyst and the Master of Change

Fast forward to the 21st Century where a premium has now been placed on two new intellectual virtuoso’s or types of prodigies: the “symbol analyst” and the “master of change”.

Symbol Analyst

According to my studies, a symbol analyst can sit for hours in front of a string of numbers and words, usually displayed on a computer screen, and readily discern meaning in that maze of symbols.

This person can then make reliable, useful projections.

Cool!

Master of Change

On the other hand, a master of change readily acquires new information, solves problems, forms “ties or partnerships” with mobile and highly dispersed people, and adjusts easily to changing circumstances.

Even cooler!

It should also be noted that those charged with guiding a society or community have always been on the look out for intelligent young people.

Intelligence and Family

In the late nineteenth century, Frances Galton, who was one of the founders of modern psychological measurements, thought that intelligence ran in the family.

Frances Galton

Based on that assumption, he looked for intelligence in the offspring of those who occupied leading positions in the British society.

However around 1870, he began to devise and create more formal tests for intelligence, ones consistent with the emerging view of the human mind as a subject for measurement and experimentation.

Now in today’s modern world we have countless people avidly pursuing the best ways of defining, measuring, and nurturing intelligence.

Alfred Binet

Alfred Binet was a psychologist who was commissioned by the French Government to devise an objective method for identifying children who were not doing well in school.

He designed the first comprehensive intelligence test in the early 20th century.

Then later on in 1916, Lewis Terman and his colleagues at Stanford University revised Binet’s test for use in the United States, resulting in the administered test gaining wide acceptance during the 1940s and 1950s.

From there, the Stanford-Binet Intelligence Scale was introduced and is still widely used. (Fourth Edition SB-IV).

IQ = MA/CA X 100

I was also intrigued to find out that as time progressed test researchers developed a formula for expressing a child’s intellectual level that made it possible to compare children of different chronological ages (CA), which apparently are expressed in how old in years and months the children are.

This measurement was called the intelligence quotient (IQ) and is defined as follows:
IQ = MA/CA X 100

The computation of IQ made it possible to understand how a child’s intellectual ability compared to that of peers of the same chronological age. However, there were problems with this ratio approach to IQ and now IQ is assessed using the deviation IQ approach.

This approach assigns an IQ score by comparing an individual’s test score with the scores of other people of the same age range.

David Wechsler

David Wechsler is primarily known for developing this technique and was applied to IQ tests that both he and his colleagues developed.

The test for early childhood is the Wechsler Preschool and Primary Scale of Intelligence, or WPPSI.

The test for childhood and adolescence is the Wechsler Intelligence Scale for Children or WISC and the test for adulthood is the Wechsler Adult Intelligence Scale or WAIS (“wace”).

An individual who takes any of these tests obtains a score that is compared statically to the scores of other people of the same age.

The Wechsler IQ test is widely used although there are many other intelligence tests being used.

IQ is assumed to be normally distributed around an average score of 100, with about 2/3 of the general population scoring between 85 and 115 and almost 96% of the population scoring between 70 and 130.

That leaves roughly 2% of the population scoring below 70 and another 2% scoring above 130, which is a popular cutoff point for defining giftedness.

Liberal Education, the University and the Truly Educated Person

The Board of Governors of the University College of the Cayman Islands (UCCI) made history in June 2018 when it announced the appointment of the institution’s first Vice President and Provost, Dr. Livingston Smith.

It is quite fashionable for the new student, just entering university, to have the view that making lots of money is the imperative of education and so begins to focus on what he or she is to do, rather than who he or she is to become.

A fixation on specialization as the key to this end may cause that student to miss out on an education. It may turn out that study gets in the way of education.

For the typical college student, a specialty such as accounting, computing, economics or marketing is pretty straightforward, but why, in addition, courses in literature, history, philosophy, psychology, etc.

Getting to see beyond mere specialization is the challenge of liberal education. The view that the education process should develop the person not just as a businessman, farmer or physician – but as a human being – is easily sidelined, especially in the context of globalization and the urgent need for ‘belt-tightening measures’ even in education

In lean times, the humanities come into question and so areas like languages, the arts history, cultural studies, philosophy and religion are usually hardest hit.

The ‘idealistic’ notion that critical thinking, civic and historical knowledge and ethical reasoning, areas the humanities especially develop, are necessary for effective participation in a free democracy regardless of career choice, becomes sidelined for the ‘urgent’ and the ‘now’.

And, yet, the purpose of education must be to prepare the student to think, to adapt, to be creative, especially knowing that job skills learnt today soon become irrelevant. A liberal education is vital.

A liberal education is one that ensures that a person becomes more than a specialist or technician. It is education that takes the long-range view and so concentrates on what shapes a person’s understanding and values, rather than on what he can use in one or two of the changing roles he might later play.

As Marshall Gregory says in his article ‘A liberal Education Is Not A luxury’ published in the Chronicle of Higher Education, Sept.12, 2008, students overriding concern should be how to develop as fully as possible their basic human birthright: their powers of imagination, aesthetic responsiveness, introspection, language, rationality, moral and ethical reasoning, physical capacities and so on.

Liberal education focuses on developing the students as fully as possible as human beings, as human persons, reflective, thinking beings and as responsible agents thus ensuring that a person becomes more than a specialist or technician. It trains but it also educates.

In explaining its devotion to a liberal education, Yale University says ‘At Yale you are required to learn broadly and deeply. Depth is covered in your major. Breadth is covered in three study areas: the Humanities and the Arts; the Sciences, and the Social Sciences and three skill areas: writing, quantitative reasoning, and a foreign language.”

Yale University Website – Fareed Zakaria in his excellent book on the subject – In Defence of a Liberal Education, says that “A Liberal Arts education teaches you how to write, how to speak your mind, and how to learn, immensely valuable tools no matter your profession.

Technology and education are actually making these skills even more valuable as routine mechanical and even computational tasks can be done by machines or workers in low wage countries.”

‘Students are clamouring for degrees that will help them secure jobs in a shifting economy, but to succeed in the long term, they’ll require an education that allows them to grow, adapt and contribute as citizens. And this is why many schools are shaking up their curricula to ensure that undergraduate business majors receive something they may not even know they need – a rigorous liberal arts education.” The Atlantic, June 28, 2016.

“Business majors seem to be graduating with some of the technical skills they’ll need to secure their jobs, but without having made the gains in writing or critical skills they’ll require to succeed over the course of their careers, or to adapt as their technical skills become outdated and the nature of the opportunities they have shifts over time.” Yoni Applebaum – Business Majors and the Liberal Arts, June, 2016.

Because by our very nature, human beings desire to know, the first task of liberal education is to fan the spark and ignite the natural inquisitiveness. Arthur Holmes, in one of my favorite books on education, The Idea of a Christian College, explains that if the mind is to be formed, the imagination stretched, the vision enlarged, the intellectual powers sharpened, then courses in reading and writing are mandatory.

With reading, he explains, comes the gaining of input, the fertilization of imagination, conceptualization, and evaluation. To write trains one to become articulate, to express, to expound, to argue, to explore relationships, to have a sense of the whole.

Friendships, marriage, family, work, recreation, political involvement, social action, technology, etc, requires understanding and right values. These all need reflection informed not only by the natural and social sciences, but also by the insight and sensitivity about human affairs which the humanities afford.

So values and facts must be taught together. The student must be exposed to ethics, to social problems, to aesthetics and to the logical structure of value judgments.

In modern societies, career mobility, rather than a job held for a long time, is critical. Career preparation, therefore, requires large understandings, rich personal qualities and lasting values. A liberal education contributes greatly to this. It does this by attention to thinking and values and by its emphasis on breadth of education

These underlie the understanding of management processes; historical perspectives on sociopolitical institutions and values as a precondition to understanding labour unions, free enterprise and alternative economic structures; cross cultural awareness and foreign area studies are essential in firms that have international relationships; the humanities , especially literature and philosophy, demand clear thinking, precise writing, and scrutiny of one’s own values that prepare one for any career involving careful communication and continued self examination.

The broadly integrative character of liberal learning moves the student beyond narrowly focused analytic techniques to see the overall picture.

In the end, it is liberal education, steeped in the thinking that education should develop the human being as an entire person that is best able to produce an educated person. The truly educated person possesses moral virtues – the qualities of character such as love and fairness, integrity and the courage of one’s conviction.

It includes intellectual virtues – what Holmes calls qualities of mind, such as breadth of understanding, openness to new ideas, intellectual honesty about other views, analytic and critical skills, and a sense of history, freshness of imagination, independence and creativity of mind.

An educated person is characterized by his or her responsible action in all areas of life. This person is conscientious, helpful, decisive, self-disciplined and has the ability to correct his or her course and start afresh.

The educated person also possesses qualities of self-knowledge. He or she is capable of an honest appraisal of his or her strengths and weaknesses and harbours no false modesty or overconfidence. Instead, he or she is willing to address weaknesses, to invest in his own strengths and, importantly, to learn from others.

The educated person is widely read and alert to the issues of the day. He or she continues to read and to grow, aware that however large the circumference of his or her knowledge, just as large are the borders of his or her ignorance.

Arthur Holmes is dead right. At the end of the experience, the university education should sharpen the mind, heighten the imagination, deepen the understanding, broaden the sympathies and kindle new interests. It should produce in the student the anxiety to shoulder his load of responsibility for himself and society.

Individuals with Disabilities

Many children with disabilities around the world have either been hidden out of shame, misunderstood or mistreated.

Nevertheless, in the United States of America, the passing of the 1997 Amendments to the Individuals with Disabilities Education Act (IDEA-97), the re-authorization of this act in 2004 (IDEA-04), and the No Child Left Behind (NCLB) Act in 2002, we can safely say that they are making considerable steps to the needs of their most vulnerable citizens.

Here within the Cayman Islands, the Government and the general population has also been working diligently to make improvements were necessary in this regard and I strongly believe this will only facilitate more unity, hope and ambition for the people of the Cayman Islands.

Remember , Influence should never have to stop with our generation or a person’s disability.

The Sunrise Adult Training Center

His Excellency the Governor, Mr. Martyn Roper toured the Sunrise Adult Training Centre (SRC) in West Bay on Thursday (12 September) and gave a “surprise performance”.

The Pursuit of Intelligence

It is obvious that efforts to measure intelligence will continue and become more widespread in the future.

Across cultures we see young children excelling in various pursuits, some mastering certain capabilities a lot faster than their peers.

When such children stand out, we call them talented or gifted and when they are performing at an adult level, we call them prodigies.

There are literally hundreds of books, dissertations or theses, and thousands of popular scholarly articles on the theory of intelligence, and other human cognitive capacities, such as creativity, expertise and genius.

Therefore I guess the question we each could ask ourselves is, how intelligent am I and what am I doing about it?

Night School

Night School-Day School: The Power of AAA Dow Jones Performances (Aptitude + Ability + Ambition)

We all were young once. Many of us still feel that way even though our bodies have a different interpretation.

Night School

I believe education or schooling, whether its Night School or Day School, is important for everyone and the extent of schooling in any society is tied to its level of economic development.

According to my most recent studies, the word school is from a Greek root word that means “leisure”.

In ancient Greece, famous teachers such as Socrates, Aristotle and Plato taught aristocratic, upper-class men who had plenty of spare time.

Plato (429-347 BC) was born in fifth-century Athens to a wealthy family. As a young Athenian of his station, he was expected to pursue politics and such worthy matters.

Instead Plato decided to follow the path of his mentor, Socrates (470-399 BC) and became a philosopher. In ancient times Athens was home to some of the most extraordinary accomplishments of philosophy, art, and science in human history. Plato was born in a time known as the city’s “Golden Age” in the fifth century BC.

I’m delighted to also suggest a movie I’ve watched years ago which I thought was magnificently created to depict what life must have been like during that time. Even though the emphasis was placed on Sparta, which was a small city in the rugged mountains of southern Greece and was feared for its military might, we are still able to see the connection to their neighbors in Athens.

Leonidas (GERARD BUTLER) bids farewell to his son Pleistarchos (GIOVANI ANTONIO CIMMINO) and wife Gorgo (LENA HEADEY) as the 300 begin their march north in Warner Bros. Pictures’, Legendary Pictures’ and Virtual Studios’ action drama “300,” distributed by Warner Bros. Pictures.
PHOTOGRAPHS TO BE — USED SOLELY FOR ADVERTISING, PROMOTION, PUBLICITY OR REVIEWS OF THIS SPECIFIC MOTION PICTURE AND TO REMAIN THE PROPERTY OF THE STUDIO. NOT FOR SALE OR REDISTRIBUTION

Based on evidence of the past and clear and continuous events experienced in the present, it has now been widely perceived that both politics and religion are still the most heated topics and note-worthy matters in our society today. Many cultures around the world and their people are passionate about these topics.

The same has been reported to be true in ancient China, where famous philosopher Confucius (K’ung Fu-tzu) was known to have only shared his wisdom with a privileged few.

Speaking of China, guess what I found out? The Musuo is a very small society in China’s Yunnan province, in which women control most property, select their sexual partners, and make most decisions about everyday life.

The Musuo appear to be operating with the Matriarchy (“rule of mothers”) type of system. This is a form of social organization in which females dominate males and have only rarely been documented in human history.

I’ve mentioned that interesting fact only because further on I will explain what Patriarchy (“rule of fathers”) is all about and how that has affected equality in our world today.

However, I strongly and passionately believe that neither one of these systems should be the standard or the social-norm in our world today.

Did you know that the limited schooling that takes place in lower-income countries reflects the national culture? The way that country is view by the rest of the world?

In Iran, for example, schooling is closely tied to Islam. Similarly, schooling in Bangladesh (Asia), Zimbabwe (Africa), and Nicaragua (Latin America) has been shaped by the distinctive cultural traditions of these nations.

Unfortunately, all lower-income countries have one trait in common when it comes to schooling. There is not much of it.

Here are the facts- According to World Bank 2011, In the world’s poorest nations (including several in Central America), about one-fourth of all children never get to go to school.

Another fact- World-wide, more than one-third of all children never reach the secondary grades or high school. As a result, about one-sixth of the world’s people cannot read or write. Research shows that reading and writing skills are widespread in high-income countries, where illiteracy rates generally are below 5 percent.

I’ve also learnt that in much of Latin America, illiteracy is unfortunately more common and one of the consequences are due to limited economic development.

Statistics also shows that in twelve nations-most of them in Africa- illiteracy is the rule rather than the exception. Many of their people rely on the oral tradition of face-to-face communication rather than the written word.

So, based on what you’ve read and after scrutinizing the above world map, do you agree or disagree and how can we help each other raise our standards?

However, saying all of that, you know what I have come to realize- its even greater odds to be educated if you’re a girl in certain countries. Many poor families depend on the earnings of their children, and in places like India where child labor has already been outlawed, many children still continue to work in factories-weaving rugs or making hand-crafted items which limits their opportunities for any time or kind of education.

Patriarchy (rule of fathers) is a form of social organization in which males dominate females and is found almost everywhere in the world. This type of system shapes Indian education and most Indians parents are joyful at the birth of a boy because he and his future wife will both contribute income to the family.

Whereas it is seen as an economic cost to raising a girl. In their culture, parents must provide a dowry (a gift of wealth to the groom’s family) and after her marriage, a daughter’s work only benefits her husband’s family. Therefore, many Indians see less reason to invest in the schooling of girls.

Did you also know that education has not always been part of the way of life for the Japanese? Before industrialization brought mandatory education in 1872, only a privileged few attended schools.

Now, Japan is a force to be reckoned with and its educational system is widely praised for producing some of the world’s highest achievers! Results continue to show that Japanese schooling continue to produce impressive results and in many notable fields such as mathematics and science, Japanese students continue to outperform students in almost every other high-income nation, including the United States. Wow!

I hope they make time for a love life eventually or there won’t be many of them left. Lol!

In Great Britain during the Middle Ages, education was a privilege of the British Nobility, who studied classical subjects, having little concern at the time for the practical skills necessary and needed to earn a living.

However, as the Industrial Revolution came around it became evident that there was a need for an educated labor force, and as working-class people demanded access to schools, a rising share of the population entered the classroom. British law now requires every child to attend school until the age of sixteen. I like that!

Now we can’t forget the United States in this article- after all they were among the first countries to set a goal of mass education for their people. Studies show that by 1850, about half of the young people between the ages of five and nineteen were enrolled in school (1 Thessalonians 5:19, “Do not quench the Spirit”). We still need the bible in our schools!

And by 1918, all states had passed a mandatory education law requiring children to attend school until the age of sixteen or completion of eight grade.

1 Thessalonians 5: 1-24 (The Day of the Lord) says,

5  Now, brothers and sisters, about times and dates we do not need to write to you, 2  for you know very well that the day of the Lord will come like a thief in the night. 3  While people are saying, “Peace and safety,” destruction will come on them suddenly, as labor pains on a pregnant woman, and they will not escape.

4  But you, brother and sisters, are not in darkness so that this day should surprise you like a thief. 5  You are all children of the light and children of the day. We do not belong to the night or to the darkness. 6  So then, let us not be like others, who are asleep, but let us be awake and sober. 7  For those who sleep, sleep at night, and those who get drunk, get drunk at night. 8  But since we belong to the day, let us be sober, putting on faith and love as a breastplate, and the hope of salvation as a helmet (Kind of like a Spartan Soldier).

9  For God did not appoint us to suffer wrath but to receive salvation through our Lord Jesus Christ. 10  He died for us so that, whether we are awake or asleep, we may live together with him. 11  Therefore encourage one another and build each other up, just as in fact you are doing.

12  Now we ask you, brothers and sisters, to acknowledge those who work hard among you, who care for you in the Lord and who admonish you. 13  Hold them in the highest regard in love because of their work. Live in peace with each other. 14  And we urge you, brothers and sisters, warn those who are idle and disruptive, encourage the disheartened, help the weak, be patient with everyone.

15  Make sure that nobody pays back wrong for wrong, but always strive to do what is good for each other and for everyone else. 16  Rejoice always, 17  pray continually, 18  give thanks in all circumstances; for this is God’s will for you in Christ Jesus.

19  Do not quench the Spirit. 20  Do not treat prophecies with contempt 21  but test them all; hold on to what is good,

 
22  reject every kind of evil. 23  May God himself, the God of peace, sanctify you through and through. May your whole spirit, soul and body be kept blameless at the coming of our Lord Jesus Christ. 24  The one who calls you is faithful, and he will do it.

The United States history states that Thomas Jefferson thought the new nation could become democratic only if the people learned to read. Today, the United States has an outstanding record of higher education for its people.

Education is constantly being promoted in the United States and nearly all American’s dream of higher education and equal opportunities. National surveys show that most people think education is crucial to personal success, and more and more people are starting to believe the dream!

Everyone should have a chance to get an education, and it would be wonderful to receive one that is in line with the personal ability and talent of that individual. Oh, what a dream that would be! But we all know that is everyone’s dream around the world but not the actual reality.

Many of the countries that I have mentioned above and others that were not mention but are definitely in the mix; realize the significance of education and its crucial importance to their economic development and increased equality.

So, what’s makes schools, colleges or universities so important? There are several variables. Well, number one’s pretty easy. It’s a good place to meet new people and interact.

Now please understand, everyone is different, and some people may require or function more effectively in a different environment. We are all not the same.

However, according to the definition of Sociology, which is the systematic study of the human society and the world around us, I can see such compounds as a great place to mix and mingle.

Second variable in the equation is that schools help to or at least they should help to identify and measure a child’s intelligence or aptitude. See my previous article called: An aptitude simply to Live

Alfred Binet was a psychologist who was commissioned by the French Government to devise an objective method for identifying children who were not doing well in school. He designed the first comprehensive intelligence test in the early 20th century. Then later on in 1916, Lewis Terman and his colleagues at Stanford University revised Binet’s test for use in the United States, resulting in the administered test gaining wide acceptance during the 1940s and 1950s.

From there, the Stanford-Binet Intelligence Scale was introduced and is still widely used. (Fourth Edition SB-IV).

I was also intrigued to find out that as time progressed test researchers developed a formula for expressing a child’s intellectual level that made it possible to compare children of different chronological ages (CA), which apparently are expressed in how old in years and months the children are.

This measurement was called the intelligence quotient (IQ) and is defined as follows:
IQ = MA/CA X 100

The computation of IQ made it possible to understand how a child’s intellectual ability compared to that of peers of the same chronological age.

However, there were problems with this ratio approach to IQ and now IQ is assessed using the deviation IQ approach. This approach assigns an IQ score by comparing an individual’s test score with the scores of other people of the same age range. David Wechsler (Wechester, 1974) is primarily known for developing this technique and was applied to IQ tests that both he and his colleagues developed.

The test for early childhood is the Wechsler Preschool and Primary Scale of Intelligence, or WPPSI.

The test for childhood and adolescence is the Wechsler Intelligence Scale for Children or WISC and the test for adulthood is the Wechsler Adult Intelligence Scale or WAIS (“wace”).

An individual who takes any of these tests obtains a score that is compared statically to the scores of other people of the same age. The Wechsler IQ test is widely used although there are many other intelligence tests being used.

IQ is assumed to be normally distributed around an average score of 100, with about 2/3 of the general population scoring between 85 and 115 and almost 96% of the population scoring between 70 and 130. That leaves roughly 2% of the population scoring below 70 and another 2% scoring above 130, which is a popular cutoff point for defining giftedness.

However as much as we admire or perhaps despise the gifted, we can not and most not leave behind those who need us the most. Many children with disabilities around the world have either been hidden out of shame, misunderstood or mistreated.

Nevertheless, in the United States of America, the passing of the 1997 Amendments to the Individuals with Disabilities Education Act (IDEA-97), the reauthorization of this act in 2004 (IDEA-04), and the No Child Left Behind (NCLB) Act in 2002, we can safely say that they are making considerable steps to the needs of their most vulnerable citizens.

Within the Cayman Islands, the Government and the general population has also been working diligently to make improvements were necessary in this regard and I strongly believe this will only facilitate more unity, hope and ambition for the people of the Cayman Islands.

Remember , Influence should never have to stop with our generation or a person’s disability.

White lies- Destruction of the Consecrated

Dream

Everyone lies at one time or another including me. Lying is a universal talent. Some people can do it rather well.

Most little kids start practicing the skill as soon as they master language.

When you look at it objectively it seems the ability to lie is part of everyone’s kit of survival tools, a side effect of possessing language skills.There are a lot of situations in which the ability to lie is extremely useful.

For instance, there are times when you might have to lie to protect yourself or someone else.

Or you might have to lie just to defend your personal privacy.

People lie all the time to diffuse a tense social situation or to avoid hurting someone’s feelings or even to calm someone who is frightened.

The way I see it, if people couldn’t lie, they probably wouldn’t be able to live together in groups, at least not for long or with any degree of sociability.

The bottom line is- if humans could not lie, civilization as we know it would cease to exist.

Imparting the spirit of error however happens too easily- and more often than not without the leader even realizing it.

This is what happen with King Saul and Jonathan.

If you are in the position of a leader, you are communicating to others (even without words).

Your life is saying, “The way I’m going is the way you should follow”.

Most people don’t read the bible; they read your life.

So, anything that you do incorrectly (because you have rejected the correction of the Lord), you are actually telling them, “This is the way you should act.”

If you are imparting the spirit of error to them, rebellion will multiply in the lives of your spiritual children.

In the New Testament, the apostle Paul spoke these words to Titus:

Paul, a bondservant of God and an apostle (a special messenger) of Jesus Christ (the Messiah) was sent to stimulate and promote the faith of God’s chosen ones and to lead them on to accurate discernment and recognition of and acquaintance with the Truth which belongs to and harmonizes with and tends to godliness (Titus 1:1)

So basically, in common language, Paul was saying, “I’m a servant who has been ordained by God.

Understand that I have been called by God to bring correction to you.

I want you to understand that my job isn’t to be concerned with your gifts, callings, or talents.

I’m concerned with ‘cutting out’ a pattern for character in you.”

Today in the 21st century we have many in the church with wonderful talents and abilities and even during Paul’s time, some members were expressing and using their gifts but were having a hard time being true servants.

Basically, Paul was telling Titus, “You might have been an evangelist or a prophet at your old church.

But if you’re going to minister in our church, we’re going to watch your servanthood.

If you qualify as a servant, then we know you can be trusted as a prophet.”

So many believers get too anxious, asserting: “Oh, the Lord gave me a word; He gave me a word.”

If He gave you that word, it will keep.

In the meantime, your spiritual leaders will need to carve character in you to bring you to a level where you can handle the word you have received.

You must be made to understand that a true leader cannot allow your gifts to take you where your character can’t keep you.

If you are reading this and can truly identify with me, let’s pray this simple prayer together:

“Dear Jesus,

I want so much to be used by you in a unique way.

I want you to help me to discover my spiritual gift and unique talent so that I may use it to uplift your church and my community. Help me to be bold and persistent in my journey.

Do not let the pride of life and what society might consider relevant cause me to be ineffective for you.

Let the Queen or King in me rise up and be resolute in this mighty cause.

Once again, do not let pride, discouragement, lack of finances, or even my beloved family- basically any spirit that is not of you, deter me from my course.

This day I commit myself to you. I ask for your anointing to flow freely in my life and for you to make me a special blessing in your name.

Amen.”

For those of you who followed me in that prayer; may God, the source of hope, fill you with all joy and peace by means of faith in Him, so that your hope will continue to grow by the power of the Holy Spirit.