Race and Intelligence: Your IQ- Is it a blank check for gaining employment, college admissions or other social decisions?

Professor Arthur R. Jensen of the University of California at Berkeley, whose research published in 1969 reopened the question of racial differences in mental capacities and theories of intelligence. He stated:

“When I worked in a psychological clinic, I have to give individual intelligence tests to a variety of children, a many of whom come from an improvised background.

Usually I felt these children were really brighter than their IQ would indicate.  They often appeared inhibited in their responsiveness in their testing situation on their first visit to my office. When this was the case I usually had them come in on two to four different days for half-hour sessions with me in a “play therapy “ room. In this room we did nothing more than get better acquainted by playing ball, using finger paints, drawing on the blackboard, making things out of clay, and so forth.

As soon as the child seemed to be completely at home in this setting, I would retest them on parallel forms of the Standford- Binet test. A boost in IQ of 8 to 10 points or so was the rule, it rarely failed, but neither was the gain very often much above this.”

Apparently “8 to 10 points “ is more than half the average IQ difference  of 15 points between black and white Americans, which solidifies the argument that most ambitious  individuals, if given the right education and opportunities, are just as likely to be successful.

So therefore I ask, is our IQ a blank check for gainful employment opportunities, college admissions or other social decisions?

Professor Jensen also stated,

“Whenever we select a person for some special educational purpose, whether for special instructions in a grade school class for children with learning disabilities  or problems, or for a “gifted” class with an advanced curriculum, or for a college attendance or for admission to graduate training or a professional school, we are selecting an individual and we are selecting them and dealing with them as individuals for reasons of their individuality.

Similarly, when we employ someone, or promote someone  in their occupation, or give some special award or honor to someone for their accomplishments, we are doing this to an individual.

See my previous articles for detailed information:

The Power of Q: Creative Geniuses,

The Intelligent Person

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

Inter-generational Equity: Protecting the Future of Cultural Continuity

The variables of social classes, race, and national origin are correlated so imperfectly with any of the valid criteria on which the above decisions should depend, or, for that matter, with any behavioral characteristics, that these background factors are irrelevant as a basis for dealing with individuals- ad students or as employees.

Furthermore, since, as far as research suggest, the full range of human talents is represented in all the major races of man and in all socioeconomic levels, it is unjust to allow the mere fact of an individual’s racial or social background to affect the treatment accorded to them.”

So once again I ask, is our IQ a blank check for gainful employment opportunities, college admissions or other social decisions?

In short, even though much research has shown that IQ differences matter for educational, occupational and other achievements, the magnitude of those differences also matters, and in particular cases other factors may outweigh IQ differences in determining outcomes.

However, the importance of other factors beside IQ is not a blank check for downplaying or disregarding mental test scores when making employment, college admissions or other social decisions.

Predictive Validity

Author Thomas Sowell, in his book, Intellectuals and Race stated that, IQ test or college admissions tests may not accurately measure the “real” intelligence of prospective students or employees- however “real” intelligence may be defined.

The practical question is whether whatever they do measure is correlated with further success in the particular endeavor.

Where is the corporation heading? What standards are the colleges and universities striving for?

Does the individual have the capacity to grow and develop? Do they even want to grow? Is the individual’s dreams and aspirations mutually aligned with the vision of the company?

Advertisements

Your on the right track baby….you were born that way!

Every woman was born to be a Queen or at least treated like one.

Our Father, God in heaven, is the ruler over all the earth and as His children, adopted into His royal family through our faith in Jesus Christ, the King of Kings, we are all royal heirs to all of God’s promises.

We were designed by our creator to be the glory of men and the mothers of all living things.

At the end of creation, we were the final “cherry on top” as I’d like to say to the problem of loneliness in mankind.

Why, I repeat, why have so many of us women allowed ourselves to fall from that place of honor and esteem?

It grieves me to see women hiding in the shadow of their churches, shamed and saddened by secrets that they wish they could conceal from their past.

Christian women should be restored to their place of wholeness. Their place of dignity, quality and honor before God so that their testimony may be a true blessing and will draw all women back to the Lord.

Unfortunately, many Christian women are still hiding, still carrying heavy baggage’s of hurt, fear, guilt and shame.

They go about their daily routine concealing their true royal identity, pretending not to notice their filthy condition.

Their light isn’t shining, and no one can see the Queen within them whom their Father created them to be.

All signs of their royal inheritance have been covered with the degradation of abuse, mistakes and unfortunate incidents that happened sometime in their lives.

See my previous article Smooth Criminal/Love the way you lie: Traumatic Bonding

Love is Magnetic

Love works like a magnet since everyone wants to be loved. Jesus shared a big secret with His disciples-the secret to winning more souls for Him. When Christians love one another, anyone who sees them will want to join them because everyone is looking for love.

When they find it, they will want to stay there. This is the very thing the enemy hates!

The devil and his cohorts of darkness will do everything possible to put confusion in the midst of those who love one another. This is why the church should be on the look out to identify the strategies of the devil when members who once loved begin to do otherwise.

The devil will want to use talebearers, backbiters, and critics to cause love in the church to fade away. These groups should be identified and prayed for as well as counseled so that the love in the church can remain active.

Charity within the church must also be encouraged as it encourages kindness. When we back up our love with action, those in the world will find it easy to accept Jesus Christ as their Lord and Savior.

How do You identify Yourself?

How do you identify yourself? Are you just a boy or girl, or do you see yourself as a Queen or King?

Your gender identity is a deep-seated, internal sense of who you are as a gendered being.
It is the gender with which you identify yourself.

The National Geographic(www.nationalgeographic.com) has done research on what’s being called the “gender revolution”.

Some people identify themselves as LGBTQ an acronym used to refer to lesbian, gay, bisexual, transgender or queer individuals in our community.

Affirming pronouns however or the most respectful and accurate pronouns for a person as defined by that person.

It’s best to ask which pronouns a person uses to avoid offenses.

Gender Identity in Children

Once young children learn to talk, most will declare a gender identity, boy or girl, that aligns with their biological sex.

According to research drawn from www.HealthyChildren.org around two years old, children become conscious of the physical differences between boys and girls.

By age four, most children have a concrete sense of their gender identity.

During this same time of life, children learn gender-role behavior-that is, doing “things that boys do” or “things that girls do” when they choose toys, clothes, activities or friends.

There are many paths to becoming a woman or a man.

The History of Miss Universe

In 1952, Catalina established the current Miss Universe as we know it. The first competition was in Long Beach, California. It was an instant hit.

Armi Kuusela of Finland was the first winner. Before her reign was over, she had to give up her title to get married to a Filipino tycoon, Virgilio Hilario

The Miss Universe beauty pageant has come a long way since 1952, but its ethos has remained the same:

Finding the most beautiful woman in the entire universe.

Who was Catriona Gray, Miss Universe 2018?

According to Rappler.com, The Miss Universe 2018 coronation night on December 17, 2018 in Bangkok, Thailand saw fan favorite, the Philippines’ own Catriona Gray bringing home the coveted crown.

Catriona Gray, succeeds 2017 titleholder Demi-Leigh Nel-Peters of South Africa, and is the fourth Filipina to wear the crown. Even before her pageant run, she has been advocating for HIV/AIDS awareness, and education, particularly for impoverished youth.

See my previous article: https://teneishajohnson.wixsite.com/dream/w-h-o-is-it, in this article I highlight HIV/AIDS, the World Health Organization and the Cayman Islands Red Cross.

Tyler Perry Studios

Tyler Perry
Creative Geniuses

This year, the Miss Universe will be held on December 8, 2019 at Tyler Perry Studios in Atlanta, Georgia in the United States.

https://www.instagram.com/sashesandscriptsofficial/?utm_source=ig_embed

Catriona Gray of the Philippines will crown her successor by the end of the event.

https://youtu.be/zB7XBSYlQmI

The pageant will be hosted by Steve Harvey in his fifth consecutive year as host.

Steve Harvey
Cayman Cancer Society

This is your fight song! Take back your life song!

Every person brings unique characteristics to dealing with illness: a particular personality, a way of coping, a set of beliefs and values, a way of looking at the world.

Being ill makes a person feel alone and we should never place blame as this only adds more feelings of distance and isolation.

We know a lot about the ways that our personality and emotions leads us to engage in habits or behaviors that increase our risk of getting cancer.

https://youtu.be/4X4fGbBRWw8

Good examples are smoking and lung cancer, or sunburn and malignant melanoma.

People today have many questions based on what they’ve read and what their friends tell them about cancer.

Questions

Some questions are:

1. Did my personality or emotions cause my cancer?
2. Did stress alter my immune system and caused my cancer?
3. Did grief or a loss cause my cancer, and could it make the cancer come back?
4. When I get down and depressed, am I making my tumor grow faster?
5. How important is support from others?
6. Can support groups help me live longer?
7. How can I help to make my treatment work?

Many people’s first experience with cancer begins with the discovery of a symptom or sign known to be a possible cancer indicator.

A breast lump, a sore that has changed in appearance or hasn’t healed properly, any persistent severe pain, blood in the stool or urine, a sore throat or cough that persists-these are several of the most common signs.

Many people who notice a “suspicious” symptom have encountered cancer before through the illness of a loved one, such as a parent or grandparent.

Others have not had such a personal experience but have seen cancer statistics in the media or heard about it within their community.

Cayman Islands Cancer Society

I still believe they all matter to us!

The mission of the Society is to increase awareness among the people of the Cayman Islands of cancer as a major health concern, to initiate positive change in all areas relating to cancer, to prevent the development of cancer and to counsel and support cancer patients and their families.

Made with the Famous 7 Mile Beach Sand

American Cancer Society

According to the American Cancer Society, about one out of eight invasive breast cancers develop in women younger than forty-five.

About two out of three invasive breast cancers are found in women fifty-five or older. In fact, the aging process is the biggest risk factor for breast cancer.

That’s because the longer we live, the more opportunities there are for genetic damage to occur in the body. And as we age, our bodies are less capable of repairing genetic damage.

That’s why it’s so important to take care of ourselves by eating right, exercising several times a week, maintaining a healthy weight, not smoking, and living a healthy lifestyle as we age.

Made with the Famous 7 Mile Beach Sand

Dense Breast Tissue

About 45% of women age forty to seventy-four have dense breasts. The younger you are, the denser your breast are.

Dense breast has been known to have more fibrous and glandular tissue than fatty tissue, which can make it difficult for a radiologist to detect cancer on a mammogram. Fatty tissue is dark, so any cancer is more visible.

Made with the Famous 7 Mile Beach Sand

National Cancer Institute

According to the National Cancer Institute, specific inherited mutations in BRCA1 and BRCA2 increase the risk of female breast and ovarian cancers, and they have been associated with increased risks of several additional types of cancer.

Together, BRCA1 and BRCA2 mutations account for about 20 to 25 % of hereditary breast cancers and about 5 to 10% of all breast cancers. In addition, mutations in BRCA1 and BRCA2 account for around 15% of ovarian cancers overall.

Breast and ovarian cancers associated with BRCA1 and BRCA2 mutation can be inherited from a person’s mother or father.

Each child of a parent who carries a mutation in one of these genes has a 50% chance (or 1 chance in 2) of inheriting the mutation.

Here’s another interesting fact-Studies also show that lack of regular exercise can impact the likelihood of developing breast cancer.

Even more reason for me to stay in the gym. Lol!

Made with the Famous 7 Mile Beach Sand

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/

Queen Elizabeth II

The Fear of Oblivion- Are you Resilient? Lest We Forget: Remembrance Day

Remembrance Day is a Memorial Day observed in Commonwealth of Nations member states since the end of the First World War to remember the members of their armed forces who have died in the line of duty.

I was pleased to do a more detailed research a few years ago of the story behind Remembrance Day and it can be found if you read my previous Article, Remembrance Day: Forget Them Not

Centenary Commemorations for the Armistice

As we approach the centenary commemorations for the Armistice, the world will once again turn its attention to the events of 100 years ago.

Remembrance Day 2018
The Imperial War Museum records and tells the stories of those who have lived, fought and passed in battle since 1914. As the 2 world wars that defined the twentieth century slip from living memory, war memorials maintain their tradition, a roll call of the fallen that reminds us of the fragility of peace. On Remembrance Day, 2 minutes of silence forms a bridge to the past. Gone however not forgotten, we will constantly remember them– those who given a lot for the freedoms we take pleasure in today.

Approximately 1.1million Commonwealth servicemen and women are still commemorated at 23,000 CWGC sites today. Imagine that!

But for the Commission, it is also a time to look to the future. How will they continue to maintain those sites? What are the challenges they will face for the next 100 years?

The Commonwealth War Graves Foundation (CWGF) is a charitable foundation that highlights the work of the Commonwealth War Graves Commission (CWGC) by telling the stories of the 1.7m people the CWGC commemorates. Visit the following link for more information on how you can help: https://www.cwgc.org/

Technology and Globalization

Even though I have not been able to visit many of the places I have written about, due to today’s technology, I am able to experience and understand the world a lot better.

Technological advances have fueled globalization. Most people would agree that we can still get things done around the world more quickly than we previously were able to.

However due to technological pressures to streamline operating standards and procedures, we now run the risk of threatening individual’s livelihood and our societies most precious traditions, values and beliefs.

The fear of oblivion is like a turbulent storm seen from the distance but fast approaching.

Perhaps the most powerful of the global changes we now face are the incredibly swift and increasingly rapid advances in telecommunications.

Illinois Bell Telephone

A year ago I came across information regarding a twelve-year study of Illinois Bell Telephone employees which I found most useful and informative.

The founders of the Innovative Hardiness Institute in Newport Beach, California, stated that more than experience or training, resilience in the face of stressful situations and rapid changes determines whether you ultimately succeed or fail in the workplace.

It allows you to thrive even in tumultuous (I like that word) conditions and to turn potential disasters into growth opportunities.

So where does resilience come from?

Resilience At Work

According to Deborah M. Khoshaba, who was already a professional psychologist for fifteen years at the time the book “Resilience at Work” was published, and was also a Director of Program Development and Training at the Hardiness Institute, you can learn to be resilient.

Deborah M. Khoshaba

Deborah M. Khoshaba (Newport Beach, CA) is Director of Program Development and Training at the Hardiness Institute.

When a person is under stress or find themselves in a stressful situation, if they are able to cultivate a group of attitudes and skills that help them to build on their stressful circumstances and not to be undermined by the situation, Deborah called that “hardiness”.

Hardiness emerged as the basis for resilience in their twelve-year, longitudinal study of the employees at Illinois Bell Telephone (IBT), as the company and its parent, AT&T, experienced a catastrophic upheaval when telephone services went from being a federally regulated monopoly to being a competitive industry.

Unfortunately, the massive, disruptive changes that followed greatly affected the performance, conduct and heath of two-thirds of the employees in their research at the time and many people fell apart.

However, in strong contrast, the resilient third not only survived, but also thrived! They rose to the top of the heap, and felt more enthusiastic and capable than before, as they turned the changes into opportunities.

They found that the resilient group had the hardy attitudes of commitment, control and challenge (CCC or Triple C) Lol!

These 3 Cs gave them the courage and drive to face the disruptive changes and because of their courage, bravery and motivation, the resilient group was better able to cope with the various challenges by finding solutions to the problems that arose and interacting supportively with those around them.

In the twenty years since the IBT project, more than four hundred studies around the world have further validated “hardiness” as the key to resilience.

Salvatore R. Maddi

Founder of the Hardiness Institute

Salvatore R. Maddi, who at the time the book “Resilience at Work” was published, had already obtain his doctorate in clinical psychology from Harvard University in 1960 and began developing the resilience and hardiness approach in 1975.

He later founded the Hardiness Institute in 1984.

He has been the author of over 100 papers and is internationally recognized as a leader in psychology, and continues to win prestigious awards for his hardiness-based consulting and research work. An international survey done in 1986 named him among the top 175 psychologists in the world.

Considering that it is now 2019, I am “tickled pink” to be learning from the wealth of knowledge he was kind enough to share with the world.

He clearly has no reason to fear oblivion. I fervently believe his research will stand the test of time.

“All knowledge cannot be expressed in words, yet our education is based almost exclusively on its written or spoken forms…. But the artist, dancer or spiritual person have learned to develop the nonverbal portion of intelligence.”

 Robert Ornstein

Speaking of spirituality, do you know who and what else will never have to fear oblivion? The Bible and the ministry of the Lord Jesus Christ.

The Bible has always been and I strongly believe, will always be the best-seller year after year until the end of time and is peppered with many prophecies.

Prophecies

In our fallen and double-minded world, we can either be encouraged or terrified by prophecy.

In 2 Peter 1:19 of the New International Version (NIV) it states,

“19 We also have the prophetic message as something completely reliable, and you will do well to pay attention to it, as to a light shinning in a dark place, until the day dawns and the morning star rises in your hearts”.

And it continues to solidify verse 19 in verses 20 and 21 by saying the following:

“20 Above all, you must understand that no prophecy of Scripture came about by the prophet’s own interpretation of things.

21 For prophecy never had its origin in the human will, but prophets, though human, spoke from God as they were carried along by the Holy Spirit”.

In the Old Testament there are many stories of the prophets of Israel. One story in particular features the Priest Ezekiel who was among the Judeans that Nebuchadnezzar brought to Babylon in 597 BC.

Five years into their exile, God called Ezekiel to go to Israel and “speak my words to them” or prophesy.

The Priest Ezekiel often spoke his messages by composing exceptionally polished poetic oracles which he would either speak or perhaps sing to the public.

He was also known to be a very talented and creative individual and told many of his stories with symbolic meanings, symbolic actions and often described and demonstrated his extraordinary visions that he had received to the public using his various abilities.

It’s interesting to note however in Ezekiel Chapter 2 verses 14, that when he was called to be a prophet, he wasn’t exactly jumping with joy. It says he went on his mission in bitterness and anger. Lol!

I believe there are still true prophets among us today, however we need to be cautious of people- even those inside the Church, who astonish us with their exploits.

Astonishment or amazement is not enough. I sincerely believe it wise for us as believers to observe their lives and determine if they have truly been transformed. Many people agree that we should be able to see conviction, repentance, love and unity taken place within their lives.

I strongly believe that people can be very susceptible or naïve when they have never experienced the power of the Lord. When supernatural things take place that they don’t understand or can not explain, they may call it divine or of God. But watch out!

Just because a person believes in Christ does not automatically qualify him or her to receive everything that is divine.

See my previous article which also speaks on prophetic truth:

https://teneishajohnsondream.wixsite.com/dreamcreator/historic-truth-vs-creative-truth

I believe spiritual gifts, especially the gift of prophecy is very much needed in the church today, but many who are ignorant regarding how God choses to deliver the Spirit, may feel that they can imitate the Spirit. They may even believe it’s a gift that can be purchased!

But the bible said that for every supernatural gift that comes from God, satan has made a substitute. Ancient diviners or psychics have foretold events by countless methods but the Priest Ezekiel has warned us against this in the entire book of Ezekiel Chapter 13. It reads as follows:

Book of Ezekiel Chapter 13

1 The word of the Lord came to me:
2 Son of man, prophesy against the prophets of Israel who are now prophesying. Say to those who prophesy out of their own imaginations: ‘Hear the word of the Lord!’

3 This is what the Sovereign Lord says: Woe to the foolish prophets who follow their own spirit and have seen nothing!

4 Your prophets, Israel, are like jackals among ruins.
5 You have not gone up to the breaches in the wall to repair it for the people of Israel so that it will stand firm in the battle on the day of the Lord.
6 Their visions are false and their divination a lie. Even though the Lord has not sent them, they say, “The Lord declares,” and expect him to fulfill their words.
7 Have you not seen false visions and uttered lying divinations when you say, “The Lord declares”, though I have not spoken?
8 “Therefore, this is what the Sovereign Lord says: Because of your false words, and lying visions, I am against you, declares the Sovereign Lord.
9 My hand will be against the prophets who see false visions and utter lying divinations. They will not belong to the council of my people or be listed in the records of Israel, nor will they enter the land of Israel. Then you will know that I am the Sovereign Lord.
10 “Because they lead my people astray, saying, “Peace,” when there is no peace, and because, when a flimsy wall is built, they cover it with white-wash,
11 Therefore, tell those who cover it with white-wash that it is going to fall. Rain will come in torrents, and I will send hailstones hurtling down, and violent winds will burst forth.
12 When the wall collapses, will people not ask you, “Where is the white-wash you covered it with?”
13 “Therefore, this is what the Sovereign Lord says: In my wrath I will unleash a violent wind, and in my anger hailstones and torrents of rain will fall with destructive fury.
14 I will tear down the wall you have covered with white-wash and will level it to the ground so that its foundation will be laid bare. When it falls, you will be destroyed in it; and you will know that I am the Lord.
15 So, I will pour out my wrath against the wall and against those who covered it with whitewash. I will say to you, “The wall is gone and so are those who whitewashed it,
16 Those prophets of Israel who prophesied to Jerusalem and saw visions of peace for her when there was no peace, declares the Sovereign Lord.”
17 “Now, son of man, set your face against the daughters of your people who prophesy out of their own imagination. Prophesy against them
18 And say, ‘This is what the Sovereign Lord says: Woe to the women who sew magic charms on all their wrists and make veils of various lengths for their heads in order to ensnare people. Will you ensnare the lives of my people but preserve your own?
19 You have profaned me among my people for a few handfuls of barley and scraps of bread. By lying to my people, who listen to lies, you have killed those who should not have died and have sparred those who should not live.
20 “Therefore, this is what the Sovereign Lord says: I am against your magic charms with which you ensnare people like birds and I will tear them from your arms; I will set free the people that you ensnare like birds.
21 I will tear off your veils and save my people from your hands, and they will no longer fall prey to your power. Then you will know that I am the Lord.
22 Because you disheartened the righteous with your lies, when I had brought them no grief, and because you encouraged the wicked not to turn from their evil ways and so save their lives,
23 Therefore, you will no longer see false visions or practice divination. I will save my people from your hands. And then you will know that I am the Lord”.

Wow! That’s some serious revelations right there!

However, as I stated previously, the Apostle Peter calls prophecy a “light that shines in a dark place” (II Peter 1:19).

I also believe that even though their may be different interpretations of prophetic theories, some things are still held in common by all legitimate people involved:

1 Jesus Christ, Son of God, is Savior and Lord
2 The Bible is the Word of God
3 Jesus Christ is coming back again (Titus 2:13, 1 Peter 1:3 and 3:15, John 3:2-3 etc.)

Do you fear oblivion?

So, I ask these simple questions. Do you fear oblivion? Are you living your life with purpose and would you classify yourself as resilient?

Once again, we see in the Bible, around 65 AD, where the Apostle Peter, who was an eyewitness to the ministry of Jesus, was imprisoned in Rome by the Emperor Nero.

During that time, he realized that he would soon be executed, but he knew it was of great importance that the ministry of Jesus be confirmed and therefore he once again wrote another letter to the believers, confirming Jesus’ ministry and warning against false teachers.

In powerful imagery Peter describes the false teachers’ destructive effect on the community and the judgement that awaits them.

Peter knew that the Messiah’s return had only been delayed because God wanted everyone to repent and I still believe that to be true today. So in 2 Peter Chapter 3:1-9 it reads,

“1 Dear friends, this is now my second letter to you. I have written both of them as reminders to stimulate you to wholesome thinking.

2 I want you to recall the words spoken in the past by the holy prophets and the command given by our Lord and Savior through your apostles.

3 Above all, you must understand that in the last days scoffers will come, scoffing and following their own evil desires.

4 They will say, “Where is this ‘coming’ he promised? Ever since our ancestors died, everything goes on as it has since the beginning of creation”.

5 But they deliberately forget that long ago by God’s word the heavens came into being and the earth was formed out of water and by water.

6 By these waters also the world of that time was deluged and destroyed.

7 By the same word the present heavens and earth are reserved for fire, being kept for the day of judgement and destruction of the ungodly.

8 But do not forget this one thing, dear friends: With the Lord a day is like a thousand years, and a thousand years are like a day.

9 The Lord is not slow in keeping his promise, as some understand slowness. Instead he is patient with you, not wanting anyone to perish, but everyone to come to repentance.

Wow!

Mentorship

61462087 – mentoring. chart with keywords and icons. flat design

As I have become more involved in the mentoring of young Caymanians in the Cayman Islands, I have come to realize that in order to become a more effective teacher and mentor, I will need to get deeper in the word of God.

And guess what else has also become apparent? Mentorship and discipleship go hand in hand.

Discipleship

Discipleship teaches us how to understand God’s word and pray, while mentoring demonstrates how to live life.

The Bible is full of mentoring examples: Elijah mentored Elisha, Moses mentored Joshua, Jesus mentored the disciples and there was even the story of Mary and her cousin Elizabeth.

You know what else I found out? The Lord created women to desire to be in relationships. Not only passionate coupled relationships, but sibling relationships as well as close friendships.

I believe He felt it was healthy and beneficial for us to partner with each other and offer support and assistance, when necessary, along life’s journey.

I pray that the Lord our Savior Jesus Christ will continue to see it beneficial to guide and protect me and my family as we blossom in grace and love and grow from strength to strength in faith.

To him be the glory both now and forever!

Amen.

Sunset Lovers

Flowing with the Rhythms of a Woman’s Desire: The Art of Loving and Respecting Another

Some women feel unseen and invisible.  They feel like their taking care of everybody else, but nobody is taking care of them.

Most women can barely get through the day, let alone find time for pleasure or intimacy.

Elizabeth Davis is an author, women’s health care specialist, educator, consultant, and Certified Professional Midwife (CPM). She is a resident of Sebastopol, California and a mother of three children.

Author Elizabeth Davis states that women of today are beyond busy. They precariously (love that word!) juggle the demands of work, their primary relationships, their children, their friendships as well as their personal needs.

In her book as seen above, she also highlights the additional duties included in a woman’s household.

  • Running errands
  • Paying bills
  • Purchasing groceries
  • Shopping for clothing for the family
  • Supervising household repairs
  • Cooking
  • Doing the Laundry
  • Helping with children’s home work

These are just a few of the many responsibilities in a home for a woman.

However, imagine also adding a full-time job to that ever-expanding list of responsibilities. I’m flustered just thinking about it. Lol!

Even if a woman is blessed to have a loving and supportive partner, it usually takes two wage earners to make it in today’s economy.

Equality

Equality, this is even more difficult in a society that may refuse to grant women equal rights and privileges to those of men.

It is therefore now extremely stressful and frustrating for women as the society has already precast their gender roles.

Men as a group have a higher pay scale, greater benefits, more travel and free-time  and more opportunities to play than women.

On the flip side, women’s role as “Servant to all” in our social structure is greatly evident in the institutions of marriage, education, health care, business and even religion.

For years we women have been taught to be the peacemakers, to soothe and heal the emotional problems of others to the exclusion of our own.

We are constantly being accused of being angry and reactive and let’s not forget “thin skinned”.

However, how many of you realize that our angry really stems from inequality, injustice, being overwork and maybe an unsupportive social structure?

For men, society is basically supportive and therefore they are not the target, but we women frequently are.

See my previous article:50 shades of Play: Happy Valentine’s day for other examples of unreported, malicious behaviors and what you can do about it.

Rape is a prime example of this as well as the promotion of violent pornography.

The stress of competing in a man’s world has led some women to adopt male characteristics almost to the exclusion of their own.  Women no longer want to be stereotyped as weak, indecisive and irrational.

The Estella Scott-Roberts Foundation was set up on 31 October 2008 by the husband (Rayle Roberts) of the late Estella Scott-Roberts.

He created the foundation with the intention that it will carry on her work of creating a country free from violence and the advancement and empowerment of women.

Mr. Roberts has requested that any initiatives being formulated by individuals or groups that are considering using Mrs. Scott-Roberts name or image in relation to their project to contact the foundation prior to finalizing any plans.

For more information on the foundation, call 938-6300, email: esrfoundation@gmail.com or mail correspondence to P.O. Box 84 Grand Cayman KY1-1501, Cayman Islands.

Becoming Lover’s not Fighters

I take great pride in being a lover and not a fighter. I also have great respect for the many  roles that men play in our society today.

It is my intention to remind my readers about the positive features of a woman and why God made us the way he did.

Let’s remember our sensitivity (which is so needed in our society today), our flexibility and our creativity to discern and chart our own course.

I strongly believe as a mature woman that it is time to reincorporate those feminine aspects back into our way of life, our approach to problem solving and our intimate relationships.

The Art of Loving Another

People are different. In practice however, we do not fully acknowledge that people are different from us. Instead we are bent upon changing one another.  We resent, resist, and reject each other’s differences.

We tend to demand that the people in our lives feel, think and behave as we do. When they react differently, we make them seem wrong or invalidate them. Many times we try to fix them when all they really need is understanding and nurturing.

What is Love?

Some people believe that love is only the acceptance and appreciation of a person only when they have fulfilled our expectations.  Some people also believe that love is the act of changing a person into what we want them to be rather than what they choose to become.

Is love caring for or trusting a person because they think and feel the way we do?

It may feel like love to the giver but not to the receiver.  Real love is unconditional.  It does not demand but affirms and values.

Unconditional love is not possible without the recognition and acceptance of our differences.  As long as we mistakenly believe that our loved ones are better off thinking, feeling and behaving the way we do, true love will always be obstructed.

Once we realize that not only are people different, but they are supposed to be that way, the obstacles to real love begins to fall away.

To love someone is to acknowledge the goodness  of who they are. Love is also a connecting feeling.  Love relates you to another. It says you are like a part of me. Love is an attitude that embraces another as one would embrace oneself.  It upholds, nurtures, and supports.

I strongly believe that whenever we are truly feeling loved, there will also emerge a selfless desire to serve the well-being of the loved one.

What is Love in the Bible? The Greatest Gift

1 Corinthians Chapter 13

13 If I speak in the tongues of men or of angels, but do not have love, I am only a resounding gong or a clanging cymbal. If I have the gift of prophecy and can fathom all mysteries and all knowledge, and if I have a faith that can move mountains, but do not have love, I am nothing. If I give all I possess to the poor and give over my body to hardship that I may boast, but do not have love, I gain nothing.
Love is patient, love is kind. It does not envy, it does not boast, it is not proud. It does not dishonor others, it is not self-seeking, it is not easily angered, it keeps no record of wrongs. Love does not delight in evil but rejoices with the truth. It always protects, always trusts, always hopes, always perseveres.
Love never fails. But where there are prophecies, they will cease; where there are tongues, they will be stilled; where there is knowledge, it will pass away. For we know in part and we prophesy in part, 10 but when completeness comes, what is in part disappears. 11 When I was a child, I talked like a child, I thought like a child, I reasoned like a child. When I became a man, I put the ways of childhood behind me. 12 For now we see only a reflection as in a mirror; then we shall see face to face. Now I know in part; then I shall know fully, even as I am fully known.
13 And now these three remain: faith, hope and love. But the greatest of these is love.

Unity in Diversity

According to author John Gray Ph.D., accepting our psychological differences frees us to experience an underlying oneness that permeates our relationships.

He believes in an abstract way, we are all the same. He also believes that in every spiritual teaching is an acknowledgement of that oneness.

Deep within we feel a spiritual oneness with our fellow humans. When we read of children suffering from hunger, we feel in our hearts the pain we would feel if they were our own children.

Dr. John Gray also believes that the quest to open the heart takes a variety of forms:

  • The path to enlightenment
  • The quest for God
  • The dream of a happy marriage
  • Finding one’s soulmate or
  • Creating a loving family

The Seeker of Enlightenment

The Seeker of Enlightenment is drawn to a teacher because the teacher embodies something within the student that the seeker is to realize. Through loving and understanding the teacher or the teaching can indirectly assist the seeker in loving and accepting those very qualities within themselves.

Gradually the seeker finds what they seek within their own being. In this way, they are inevitably drawn to that which they need to awaken within themselves.

Union with our Soulmates

Dr. John Gray also believes we may seek to find yet a deeper union with our soulmate, a special person with whom to share our lives, as if ordained by the heavens.

We are drawn to this person not because they are similar to us but because they are different.

He believes our soulmate embodies qualities and attributes that we unconsciously seek to find within ourselves.

Through loving this person, we begin to accept and awaken those same qualities hidden within our own beings.

This discovery of self brings us greater fulfillment.

Attraction: White and Sizzling Hot!

Intense attraction to someone is a sign that there are many differences to harmonize and many conflicts to resolve.

We are drawn to that which is different.  Therefore our challenge is to understand, accept and appreciate those differences.

Who we find ourselves attracted to is beyond our control. We can be sure we like a person, but when there is attraction; rest assure that there are lessons to learn and discoveries to be made!

Let’s talk about Men

His complexion

Fair, dark, ruddy, pale as the moon, dark as the night or caramel, men come in many shades and flavors that are appealing to various women.

Do not despise what someone else may celebrate!

His Hair

Now they all have different textures, lengths and colors of hair.

I  find it fascinating sometimes to watch a beautiful head of hair being set a fire by the sun’s morning light.

Sometimes their course textures are artfully designed and inspiring.

Or we may prefer the rich, silky waves that are tenderly groomed.

His Body

Let’s be real, we all have different parts of the body that we like. Me especially! My thing is to accentuate the positives and downplay the negatives.

He may be tall, short, pleasantly plump or athletically slender.  A man who is confident in himself knows how to work with his God-given package.

I find a confident man to be very attractive.  Almost irresistible.

He’s Enjoying Life

Everyone loves to see a parade. To go to a party. To share a joke or to just enjoy life.  Everyone wants to be a part of a celebration.

When a man enjoys life, it is the greatest way to attract interest.  From the simple pleasures to more complicated delights, a man who embraces opportunities and experiences that put a spark in his eye and a bounce in his step is intensely appealing.

Joy is irresistible! Everyone is always seeking more, and if you have a surplus to pour out, believe me, someone will come for a drink!

Joy speaks of more than the ability to amuse yourself.  It speaks of wholeness, confidence, a settled heart that is comfortable.

Sean John Combs (P. Diddy)

Puff Daddy, also known as ‘Diddy’ or ‘P. Diddy’ is a three time Grammy Award winning American rapper, record producer and entrepreneur. He is one of the biggest names in the American music industry, who has successfully carved out a niche for himself. Born in Harlem, New York, tragedy struck his family when he was still a child. He lost his father who was shot dead and was later raised by his single mother.
After dropping out from Howard University, where he was studying business, he later established the Bad Boy Records, a record label, which launched the careers of many successful artists in the music industry. After a series of successful productions, he came out with his debut album titled, ‘No Way Out’, which became a massive hit. With the success of his debut album, he reached the pinnacle of his music career and went on to produce more hit albums and also launch his own albums. Some of his albums include, ‘Forever’, ‘The Saga Continues.’, ‘Press Play’ and ‘Last Train to Paris’. He also owns a clothing line.

F.Y.I.(411)

P. Diddy’s birthday is on the 4th November

Joy acts like a magnet, drawing others to itself.  When a woman sees joy in a man’s eye’s, this is translated as promises or pleasures that have yet to be revealed.

Promises she will be determined to discover.

His Originality

Even though there are many men out there, they are all different.  The question is how do they stand out?

Everyone should embrace their originality, especially men.

There are unexplained  things that every woman likes in a  man, from the way he unconsciously  rakes his fingers through his hair, to the colorful and fun-loving socks he wears.

Why? Because his quirks make him unique. There is no one else like him, and every other man now seems boring in comparison.

His Willingness to Grow

Don’t expect perfection from him, we are all unfinished products.  It is the experiences in life and our interactions with others that cause us to grow and become better people.

Accepting a man for who he is, seeing his vast potential, and allowing him to grow into it is a rare gift that delights a man when he finds it.

Why? Most men are not really expecting this.  They have grown used to women and even the society judging them. Their judged by what they do and what they have acquired.

If he is already wealthy, they society might not be as supportive of his dreams of acquiring more wealth. Many may even be deceitfully envious.

If he is highly intelligent, they may not understand his continuous need to acquire more knowledge.

If he is a philanthropist, they may scrutinize and critize his motives for all his charitable deeds.

The bottom line is most men want to build a future filled with all the people and things they desire and a life they can share.

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?

Skittles

What’s your flavor? Taste the Rainbow! God’s Covenant Promise

According to the Dewey Color System, if you like yellow and orange, your first thoughts are about how to get things done.

Po might just be the laziest, clumsiest panda in the Valley of Peace, but he secretly dreams of becoming a kung fu legend. When the villainous snow leopard Tai Lung threatens Po’s homeland, the hapless panda is chosen to fulfil an ancient prophecy and defend the Valley from attack. Training under Master Shifu, Po embarks on an epic high-kicking adventure as he sets out to thwart Tai Lung’s evil plans.

By establishing a systematic approach, you can figure anything out. Your realism makes others see you as technical and efficient. You see yourself as someone who makes the most of his or her resources and gets results.

You embody the saying, “When life gives you lemons, make lemonade.” You are an innovator, far ahead of your time. This is your great talent! You have the ability to create something from nothing by reinventing the resources around you.

When you put your mind to something, new ideas and possibilities arrive with a bang! Use your abilities to encourage people as you are also a great motivator and construct new things as you are also an inventor and great at producing new products.

By pulling together the resources and talents around you- your know-how is unparalleled! Global competition, rapid-fire changes, increase customer demands, mergers, shrinking profit margins, downsizing, bankruptcies, insider stock trading scandals, and an unstable economy all contribute to the uneasy situations we experience in the world of business today.

Customer loyalty has been transferred to competitors offering better quality and faster delivery of products and services. Profits decline as costs increase and PRICE WATERs down, forcing you to be more cautious with your Sovereign Investments.

Happy Father’s Day- Honoring Father’s and Fatherhood

Father’s Day is a celebration honoring fathers and celebrating fatherhood, paternal bonds, and the influence of fathers in society. It will be celebrated on the 16th June 2019

Father’s Day is also celebrated in Burscough, Lancashire, North West of England

The idea for Father’s Day originated in the USA and has been officially celebrated there on the third Sunday in June since 1966.

The exact origins of what we now know as Father’s Day are disputed, though we do know the movement for a day which celebrated fatherhood began roughly 100 years ago.

While in the UK fathers can expect, at best, a breakfast in bed and handmade card and, at worst, the day to be completely ignored, elsewhere the festival is done a little differently.

In Germany it is called Vatertag (Father’s Day) but is also sometimes known as Männertag (or men’s day).

In China, Father’s Day used to be celebrated on 8 August as the Chinese for eight is “ba”, while a colloquial word for father is “ba-ba” – so the eighth day of the eighth month sounds similar to “daddy”.

The day has since been moved to the third Sunday of June, in line with the UK and US.

The Prayer of Jabez

The prayer of Jabez (1 Chronicles) is not a “quick fix”, a magical lamp with a genie or a magic wand. It’s not a few words that you memorize and just recite every day.

It is not a prayer that elevates you above your competition, gives you an unfair advantage or sets you on the path to prosperity.

No, the prayer is specifically for God to look upon you favorably with blessings as He sees fit. When you pray Jabez’s prayer, you’re asking God to bless you, to expand your territories, to guide and to protect you from evil.

The Lord changes everything based on the intent of your prayer. Jabez’s intent was focused on his desire to be used by God and was void of selfishness. His prayer was not asking God to show favoritism, partiality or take blessings from someone and give them to him. An act becomes selfish when someone is deprived or hurt by it.

Prophecy is a powerful gift to be handled very carefully. We can easily do harm if we have either got incorrect revelation for somebody, or have given them correct revelation but in an inappropriate way.

If we seek to exercise the gift of prophecy with anything in our hearts other than love for the Lord and the person or people we may be speaking to, it is all too easy for things to go wrong.

For those reasons, I believe anyone wanting to grow in the gift of prophecy, aught to be hungry for words that will strengthen, comfort and encourage as their first priority.

It is also vital that anyone exercising the gift of prophecy does so with a submissive heart. Prophecies should always be weighed and tested and confirmed by several different sources.

Most recently I located verses in the bible which once again, demonstrates the importance of understanding from a biblical perspective:

1 Corinthians 14:13-25

13 For this reason the one who speaks in a tongue should pray that they may interpret what they say. 14 For if I pray in a tongue, my spirit prays, but my mind is unfruitful. 15 So what shall I do? I will pray with my spirit, but I will also pray with my understanding; I will sing with my spirit, but I will also sing with my understanding.

16 Otherwise when you are praising God in the Spirit, how can someone else, who is now put in the position of an inquirer, say “Amen” to your thanksgiving, since they do not know what you are saying? 17 You are giving thanks well enough, but no one else is edified. 18 I thank God that I speak in tongues more than all of you.

19 But in the church, I would rather speak five intelligible words to instruct others than ten thousand words in a tongue. 20 Brothers and sisters, stop thinking like children. In regard to evil be infants, but in your thinking be adults.

21 In the Law it is written: “ “With other tongues and through the lips of foreigners I will speak to this people, but even then, they will not listen to me, says the Lord.”

22 Tongues, then, are a sign, not for believers but for unbelievers; prophecy, however, is not for unbelievers but for believers.

23 So if the whole church comes together and everyone speaks in tongues, and inquirers or unbelievers come in, will they not say that you are out of your mind?

24 But if an unbeliever or an inquirer comes in while everyone is prophesying, they are convicted of sin and are brought under judgement by all, 25 as the secrets of their hearts are laid bare. So, they will fall down and worship God, exclaiming, “God is really among you!”

The Bible has always been and I strongly believe, will always be the best-seller year after year until the end of time and is peppered with many prophecies. In our fallen and double-minded world, we can either be encouraged or terrified by prophecy.

In 2 Peter 1:19 of the New International Version (NIV) it states, 

“19 We also have the prophetic message as something completely reliable, and you will do well to pay attention to it, as to a light shinning in a dark place, until the day dawns and the morning star rises in your hearts”.

And it continues to solidify verse 19 in verses 20 and 21 by saying the following:

“20 Above all, you must understand that no prophecy of Scripture came about by the prophet’s own interpretation of things. 21 For prophecy never had its origin in the human will, but prophets, though human, spoke from God as they were carried along by the Holy Spirit”.

In the Old Testament there are many stories of the prophets of Israel. One story in particular features the Priest Ezekiel who was among the Judeans that Nebuchadnezzar brought to Babylon in 597 BC.

Five years into their exile, God called Ezekiel to go to Israel and “speak my words to them” or prophesy. The Priest Ezekiel often spoke his messages by composing exceptionally polished poetic oracles which he would either speak or perhaps sing to the public.

He was also known to be a very talented and creative individual and told many of his stories with symbolic meanings, symbolic actions and often described and demonstrated his extraordinary visions that he had received to the public using his various abilities.

It’s interesting to note however in Ezekiel Chapter 2 verses 14, that when he was called to be a prophet, he wasn’t exactly jumping with joy. It says he went on his mission in bitterness and anger.

I believe there are still true prophets among us today, however we need to be cautious of people- even those inside the Church, who astonish us with their exploits.

Astonishment or amazement is not enough. I sincerely believe it would be wise for us as believers to observe their lives and determine if they have truly been transformed.

Many people agree that we should be able to see conviction, repentance, love and unity taken place within their lives. I strongly believe that people can be very susceptible or naïve when they have never experienced the power of the Lord. When supernatural things take place that they don’t understand or can not explain, they may call it divine or of God. But watch out!

Just because a person believes in Christ does not automatically qualify him or her to receive everything that is divine. I believe spiritual gifts, especially the gift of prophecy is very much needed in the church today, but many who are ignorant regarding how God choses to deliver the Spirit, may feel that they can imitate the Spirit. They may even believe it’s a gift that can be purchased.

However, the bible said that for every supernatural gift that comes from God, satan has made a substitute. Ancient diviners or psychics have foretold events by countless methods but the Priest Ezekiel has warned us against this in the entire book of Ezekiel Chapter 13.

Ezekiel Chapter 13:1-23

It reads as follows:

“ 1 The word of the Lord came to me: 2 Son of man, prophesy against the prophets of Israel who are now prophesying. Say to those who prophesy out of their own imaginations: ‘Hear the word of the Lord!’ 3 This is what the Sovereign Lord says: Woe to the foolish prophets who follow their own spirit and have seen nothing!

4 Your prophets, Israel, are like jackals among ruins. 5 You have not gone up to the breaches in the wall to repair it for the people of Israel so that it will stand firm in the battle on the day of the Lord. 6 Their visions are false and their divination a lie. Even though the Lord has not sent them, they say, “The Lord declares,” and expect him to fulfill their words.

7 Have you not seen false visions and uttered lying divinations when you say, “The Lord declares”, though I have not spoken?

8 “Therefore, this is what the Sovereign Lord says: Because of your false words, and lying visions, I am against you, declares the Sovereign Lord. 9 My hand will be against the prophets who see false visions and utter lying divinations. They will not belong to the council of my people or be listed in the records of Israel, nor will they enter the land of Israel. Then you will know that I am the Sovereign Lord.

10 “Because they lead my people astray, saying, “Peace,” when there is no peace, and because, when a flimsy wall is built, they cover it with white-wash, 11 Therefore, tell those who cover it with white-wash that it is going to fall. Rain will come in torrents, and I will send hailstones hurtling down, and violent winds will burst forth.

12 When the wall collapses, will people not ask you, “Where is the white-wash you covered it with?”

13 “Therefore, this is what the Sovereign Lord says: In my wrath I will unleash a violent wind, and in my anger hailstones and torrents of rain will fall with destructive fury. 14 I will tear down the wall you have covered with white-wash and will level it to the ground so that its foundation will be laid bare. When it falls, you will be destroyed in it; and you will know that I am the Lord.

15 So, I will pour out my wrath against the wall and against those who covered it with whitewash. I will say to you, “The wall is gone and so are those who whitewashed it, 16 Those prophets of Israel who prophesied to Jerusalem and saw visions of peace for her when there was no peace, declares the Sovereign Lord.”

17 “Now, son of man, set your face against the daughters of your people who prophesy out of their own imagination. Prophesy against them 18 And say, ‘This is what the Sovereign Lord says: Woe to the women who sew magic charms on all their wrists and make veils of various lengths for their heads in order to ensnare people. Will you ensnare the lives of my people but preserve your own?

19 You have profaned me among my people for a few handfuls of barley and scraps of bread. By lying to my people, who listen to lies, you have killed those who should not have died and have sparred those who should not live.

20 “Therefore, this is what the Sovereign Lord says: I am against your magic charms with which you ensnare people like birds and I will tear them from your arms; I will set free the people that you ensnare like birds. 21 I will tear off your veils and save my people from your hands, and they will no longer fall prey to your power. Then you will know that I am the Lord.

22 Because you disheartened the righteous with your lies, when I had brought them no grief, and because you encouraged the wicked not to turn from their evil ways and so save their lives, 23 Therefore, you will no longer see false visions or practice divination. I will save my people from your hands. And then you will know that I am the Lord”.

Wow! That’s some serious revelations right there!

However, as I stated previously, the Apostle Peter calls prophecy a “light that shines in a dark place” (2 Peter 1:19). I also believe that even though their may be different interpretations of prophetic theories, some things are still held in common by all legitimate people involved:

1 Jesus Christ, Son of God, is Savior and Lord

2 The Bible is the Word of God

3 Jesus Christ is coming back again (Titus 2:13, 1 Peter 1:3 and 3:15, John 3:2-3 etc.)

I still strongly believe that we must be willing to submit what we have heard from the Lord in good faith as we speak or shared to others around us, and especially to our leaders.

Doing it this way, preserves “the unity of the Spirit in the bond of Peace”.

Hello World? Are you there? The Importance of Communication in a Multicultural World

In today’s world with all of its innovations and advance technology, you can communicate virtually from anywhere.

Sometimes charm is not enough. Arriving with the proper introductions and support is essential to developing workplace rapport. This is especially critical if you do not fit the local people’s stereotype of the Foreign V.I.P.

If you are not, by way of example, “The Beautiful Italian”, but instead you are of a respectable age with charming features, your initial reception may be less enthusiastic than if you fit the hosts’ preconceived image.

Unfortunately, some corporations play to the “stereotypes” and if you are a member of a minority, racial or ethnic group, female or physically disabled, this might be to your detriment.

When a former president of an Oil Company in Saudi Arabia said, “This business of communicating has become as important as finding more oil,” he stated a belief held by many. According to a study done by Watson Wyatt of 267 U.S. companies between 1998 and 2002, those that communicated most effectively provided a 26% return to shareholders and those with the least-effective communication provided a return of only 15%.

It was also concluded that those with the most effective communicative ability also had the less employee turnover. Our local newspapers inadvertently record daily, companies who are constantly and consistently seeking new hire. Why is that?

Think about it! Whatever type of organization you work in, now or in the future, your success and your organization’s success hinges on the collaborative ability to communicate effectively.

As we gallop full speed ahead into the 21st century, the concept of a global economy rings sharper than ever before! Technological advances in travel and telecommunications have provided the means for accelerated integration of the world market.

COMPETITION

Competition comes from every corner of the globe in today’s marketplace and is forcing many businesses to look at new ways of cutting costs while maintaining market share and high-quality levels.

I’ve also learnt that it is becoming more and more of an asset for an individual to become proficient in foreign languages. I need to brush up on my French. Lol! Managers and Consultants schooled in the ways of multinational business and multicultural service organizations are critical to the expansion of international opportunities.

For example, if we were to glance at the job ads in any of the big city newspapers around the world, if you have international skills, many countries are in need of English-language teachers. Business people have always been on the cutting edge of marketing the latest technological wonders, see my related article on the latest Blockchain Technology: Virtual Currency, The Blockchain Innovative Technology and its Regulation, Smart Contracts and Digital Assets

https://teneishajohnsondream.wordpress.com/2019/02/05/virtual-currency-the-blockchain-innovative-technology-and-its-regulation-smart-contracts-and-digital-assets/

This trend of internationalizing business and services has led to increasing numbers of people working in multicultural settings. Business relationships are now being forced to overcome cultural differences as firms strive to maintain a competitive edge in the marketplace.

However, according to my studies this is not as easy as it sounds. Working in a foreign country is, as the name implies, an alien experience. This means language and, most importantly, understanding diverse values in the workplace or country you’re currently residing in, is extremely important.

Therefore, individuals should be cognizant of their methods of communications and note that what might be successful in one country’s operations can and will sometimes meet with failure when transplanted into another cultural setting. Nevertheless, the basic communication process still remains the same.

The Communication Process

As we’ve all learnt as adolescents in school, it involves a sender or encoder who then sends a message using various channels or mediums (i.e. telephones, radios, televisions, computers, written memos, videotapes, electronic mails etc.) to a receiver or decoder. In this new age of advance technology, messages are communicated via Twitter, Instagram, Facebook, WhatsApp, LinkedIn, Snapchat, through the media, integrated in our songs, music videos, etc.

We have become a very interactive world! It has become regular news in today’s society to create products and methods which helps us to share and connect more and more with each other.

Early Inventions and Patents

The Fax (Facsimile) Machine

The fax (facsimile) machine is considered one of the oldest inventions. It is even older than Alexander Graham Bell’s telephone. Patents for the first fax machine dates back nearly 150 years.

Giovanni Caselli

The first commercial fax system was invented and patented in the United States in 1863 by an Italian priest, Giovanni Caselli, who helped establish a fax line between Paris and Lyons for five years, 1865-1870.

At the time, Giovanni was considered “some kind of a nut” with his scientific “junk” scattered all around his home. The Italian priest’s small home looked more like a mad scientist’s workshop than the residence of a man of the cloth. Giovanni worked alongside Alexander Bain, who was an expert clockmaker, for seven long years from 1857-1864, refining and improving the fax machine and Bain’s clock-driven pendulum idea.

Finally, in 1863 Giovanni Caselli made major improvements to the fax design:

•He installed a separate clock in the transmitting end that synchronized the pendulums on each perfectly. •His fax did not require the original to be scratched in metal or written in special ink. Ordinary ink worked.

•Originals could be reproduced in the same size or reduced.

•Different messages could simultaneously be transmitted through a single wire. While decorative and flowery pictures were occasionally faxed, the fax line was predominantly used to carry stock market information between 1866 and 1870. Eventually the fax caught the attention of the press, mainly because they could clearly see its benefits to their industry.

Newspapers and magazines praised the new invention for its public service.

“Who could do better?”

Wrote a journalist at the time. But the interruption of the 1870 war and the siege of Paris, saw the era of the mechanical fax machine with their pendulums and clockworks coming to an end.

At the turn of the century, mankind had upgraded to the modern fax machines that used light beams to read and write and had replaced the swinging pendulums.

Pictures by Fax – In 1902 physicist Arthur Korn of Germany dramatically improved English inventor Frederick Bakewell’s rotating drum idea. He constructed his cylinder out of glass, positioned a selenium cell inside, and wrapped the intended fax around the cylinder. By shinning a light through the picture and onto the selenium, Korn’s machine accurately converted the picture into electrical signals. On the other end, the signal was converted back to light and was shone on photographic film.

As a result, a permanent copy was created. Arthur Korn’s system was an overwhelming success, especially for the newspaper business, which was rapidly growing in circulation at the time.

The fax machine was quickly becoming indispensable to the press and realizing the machine’s value in the competitive newspaper business, the French newspaper at the time called L’Illustration bought out Arthur’s rights to the machine in 1906 and monopolized its use in France.

As I said before, we have become a very interactive and open world. Privacy is now a highly sought commodity! Especially for Public Figures and Celebrities and I can seriously understand all the reasons why.

However, let me not deviate from my own message which I’m trying to communicate. (Lol!)

The Telephone- Alexander Graham Bell (Patented on the 14th February 1876

Alexander Graham Bell is famous for inventing the telephone, but during Bell’s era another experienced inventor called Elisha Gray took Bell to court in the 1870s, suing for the patent rights to the talking machine.

Elisha Gray

Elisha Gray, (born Aug. 2, 1835, Barnesville, Ohio, U.S.—died Jan. 21, 1901, Newtonville, Mass).

Obviously Gray did not win the patent rights as Bell is credited with the invention. However, history might have recorded Elisha Gray as the inventor if Bell had not beaten him to the patent office by a few hours on February 14th 1876.

The story is one of the most fascinating and illustrative of the contrast in style between two different types of men: My studies claimed that one man was steered by the promise of fortune and fame, while the other strictly believed in the pursuit of knowledge as his own reward.

Even after winning his patent Bell could not convince big businesses or Elisha Gray of the telephone’s usefulness. Gray was known to refer to the invention as a “beautiful scientific toy”. Bell even offered to sell his telephone patent to Western Union https://www.britannica.com/topic/Western-Union-Corporation but it was rejected by the company. A few years later, the very same company tried to strip Bell of his patent in a lawsuit with Elisha Gray.

Many agree that Gray was definitely an able and diligent scientist who had independently arrived at the same conclusion as Alexander Bell, but the courts were convinced that Bell deserved the patent.

To Elisha Gray, as a self-assured business man, the telephone was an annoying curiosity, almost in the same category as a hobby. However, to Bell, an amateur inventor working virtually alone, the telephone was his life.

The Self-Service Supermarket

Clarence Saunders (9th August 1881- 14th October 1953) was a flamboyant and innovative man who thought there was a waste in manpower and space in the conventional stores of his time. It might sound strange, which it did to me when I came across this information, but the idea of a supermarket was indeed patented.

According to Inventing the 20th Century,100 Inventions that shaped the World by Stephen Van Dulken, Saunders idea was filed on the 21st October 1916 and published as US patent # 1242872. C. Saunders – Self Serving Store: Patented October 9th 1917 He named the new chain Piggly Wiggly ® and franchised the format as high-volume, low-profit margin stores. The Supermarket chain is still in operation to this day.

Apparently, there is a legend told about the unusual name of the supermarket chain. Saunders stated that he once saw from a train several piglets trying to get under a fence. Lol!

Clarence Saunders

Over the next several years Saunders patented several improvements to the concept of a self-service store, as well as such ideas as price tagging, a lightening system for self-service stores and tape for adding machines. Dispute with the New York Stock Exchange left him bankrupt and he never was able to live in the huge house in Memphis which he had started to build.

PINK HO– USE M– USEUM

It is now the Pink House Museum, and contains a replica of his first supermarket. Inventing is a very tough business. It takes a thick skin and the ability to keep smiling after constantly hearing “no”. With the death or departure of the founder of any innovative invention, quality often gives way to quantity.

Communication 101

In a survey of 480 companies and public organizations by the National Association of Colleges and Employers, the ability to communicate ranked first among personal qualities of college graduates sought by employers. We deliberately communicate through writing, reading, speaking and listening and according to Henry Mintzberg in The Nature of Managerial Work, Chief Executive Officer’s (CEO), spend allmost every minute of their day communicating.

In any organization, people communicate in many ways. Face-to-Face communication takes place during one-on-one discussions, in informal groups, and during meetings. However, when individuals communicate face-to-face, they experience the most effective form of communication. Both nonverbal cues and verbal communication supply immediate feedback.

The critical question for you to ask yourself when communicating is, “What is my objective?”. Do you want to motivate others to support a new or existing idea? Do you want to encourage healthy open dialogue or are you just disseminating useful information?

Miscommunication or no Communication

Unfortunately, there are many causes of miscommunication. As we know, right here in the Cayman Islands, we have many people living and working here from around the world and this can sometimes cause personality differences, word-meaning confusion, inferences, gender differences and intercultural differences.

However, I personally do not believe that this should be looked upon as a “bad thing” but as a necessary catalyst for stimulation and growth for our economy. Individuals from different cultures bring different perceptions, value systems and different languages to the workplace.

Yes, it may cause miscommunication but hey, most people are good people and there might be something you can learn from them and vice versa! I strongly believe we just need to be more sensitive and aware of an individual’s background and experience when communicating in order to be our most effective. We should also check to see if there are any hidden biases and if we are forming an opinion regarding certain people based on their sex, religion, age, race or simply because they belong to a particular group.

Prejudging people may make it difficult to communicate with them. And I can’t stress enough that we should avoid stereotyping and the use of sexist, racist or ethnic remarks.

Feedback

Immediate feedback is best but sometimes not realistic. Feedback reports to the sender that the receiver (the decoder) received and understood the message. When the receiver responds to the sender, the communication process starts over again. Feedback therefore makes communication a two-way process, allowing the sender to become a receiver and vice versa.

Sometimes personal reflections can be a source of feedback when you make observations of yourself in action. You might ask yourself, “Wow, was that really me? I didn’t think I could really do it,” or “Why didn’t I think of doing this before?” Or, you might observe a certain scenario and state, “This didn’t really work the way I planned it, but the reality turned out to be better than I could have hoped for.”

Other people are also great for feedback, with one being the sender and the other being the receiver. Sometimes we need constructive observations of our actions towards others. Someone may tell you,

“I didn’t think you had the guts to actually remain in such a toxic environment for so long. I know I couldn’t. I’m very impressed with you!”

or,

“Ever since you returned from college, you’re like a different person-so strong and decisive and self-confident. I like it!”

Unfortunately, there will always be those people around you who may be jealous of your decisive actions or your self-confidence and may give you negative feedback without any real reason for their comments.

But, if you stop and think about it, you will realize that many times a person’s jealousy is just a way of revealing their envy of you. Either way, the feedback is necessary.

Results are another important source of feedback. By observing the actual effects of your actions on the intended subject, you may be able to clear up misunderstandings and explore each other’s viewpoints. If the necessary debates and negotiations work out well, everyone should feel as if some of their ideas were taken into account.

Even though technology has revolutionized the way we communicate and conduct business, the most vital element of communication remains the continued development of an organization’s most valuable resource-its people.