The 2 Key Characteristics of Good Leader

Do you want to be a great leader? Is it easy or difficult? If you have some traits about leadership, you can be a great leader in your organization. Of course, to become a great leader is not easy. However, if you try to communicate actively with your co-worker, subordinate workers, and other managers and get a strong passion about your job and organization, you can be wonderful leader in your organization.

First, to become a great leader you have to communicate actively with everybody in your organization. The best important responsibility of leader is to achieve organization’s ultimate goal for development and improvement of organization. According to the article form Blagg, D & Young, S (2001) suggest that leader have to spend the bulk of their time communicating, tell the hard truths, and listen carefully to audience such as workers. Basically all organizations have a lot of members or workers, some sub-groups or teams, and head quarter or leader to accomplish organization’s goal. All organizations need active communication between organization members including worker, manager, and leader. Leader has to perform key role during the communicating between members. Consequently, a good communication skill is one of the best important characteristics of leader.

Next, to become a good leader you must have a strong passion about your job and organization. If some people do not have a passion about their job, they cannot achieve certain outcome in their organizations. Especially, the passion of leader in a organization is very important for organization’s development and improvement. Byrnes, J (2005) insists that to be successful leader, you must have both a passion for improving your organization and the capability to drive your efforts through to completion. Also, he suggest that to become successful leader, you have to identify and seek out a work situation right, how will he or she feel real passion. Not only common workers but also leader need to have passion about their job to achieve their goal. Especially, leader who charges key duty for organization has to have a strong passion about his or her job and organization.

Some sociologists who support traditional theory about readership claim that sometime to decide vary critical problem in organization by leader’s individual determination is effective method to avoid organization’s risk and danger. However, a organization is not leader’s individual possession. Leader also commits some mistakes. Anytime, organization’s critical problems are decided by many member including leader, workers, and other manager together. Consequently to develop organization needs active communication leading by leader and involving organization members.

In conclusion, if you want to become a great leader, you have to have a good communication skill and an enthusiastic passion of your job. First, to be a great leader needs to communicate actively with organization members because of all organization consist of many members and teams. Also a wonderful leader has have to get a strong passion of his or her job and organization because the passion about job and organization is one of the best essential element to achieve organizational key goal. Although to be a great leader is not easy, you can do it if you have a good communication skill and passion of your job.

[References]

Byrnes, J. (2005). The Essence of Leadership, Harvard Business School Working Knowledge for Business Leaders.

Blagg, D., Young, S. (2001). What Makes a Good Leader?, Harvard Business School Working Knowledge for Business Leaders.

The Problems of Payday Loan

This article, “Bill Would Limit Payday Lending”, which is written by Peter Hull, describes payday loans and exhibits contrary opinions between two people. First of all, author shows problems of payday loan through opinion of Rep. Alan D. Clemmons. According to the article, recently some states of the U. S. have attempted to ban or limit payday loans because poor people repeatedly use payday loan to solve their debts and many people who frequently use payday loan can fall in a deeper financial hole. In fact, many people have serious financial problems because of payday loan’s high interest rate. On the other hand, author exhibits necessity and advantage of payday loan through opinion of Jamie Fulmer. He supports payday loans, criticizes Clemmons’ bill, and emphasizes value of payday loan. In other words, he insists that payday loan is one of the most valuable financial supported services to help poor people and cash-strapped consumers. Also, he claims that payday loan’s rate of interest is never higher than other similar financial products, such as the bank fee and the merchant fee.

Basically, falling into debt is bad thing. Although there are many reasons to borrow money from lenders such as payday loan services, people should endeavor not to borrow money from other people. If people sincerely live themselves life everyday, people never need debt like a payday loan. Every debt like a payday loan can spoil not only borrower but also their family’s life. Also, lenders who derive excessive interests or benefits through borrower’s vulnerable points are the social evil. Although payday loans have bad factors, poor people and low socioeconomic status people continuously use payday loan services. We have to eliminate or restrict payday loans to maintain economically healthy society. First, payday loans’ operation system has a trouble because of its excessive interest rates. Second, payday loans can spoil not only borrower but also borrower’s family. Third, payday loans can bring about a social problem. Accordingly, People should try to avoid use of payday loans and the government and society should seek a suitable solution for poor people.

First, payday loans’ operation system is senseless because its interest rates are too high. Schafer (2007, para. 8) introduces that there are more than 22,000 payday advance locations in the United States that garner $6 billion annually in revenue through exceed 400% annual interest rates. Some article reported that payday loan service charge above 500% annual interest rates to borrowers (Adams, 2007, para. 4: Curtia, 2006, para. 10). Such incredible interest rates are never received with our commonsense. We can easily predict payday loans’ dangerousness through such excessive interest rates. If our society is extremely normal society, such unreasonable interest rates try to correct rightly.

Next, payday loan can spoil not only borrower but also their family’s life. According to the article from Schafer (2007), “Borrowers who can not pay often roll over the loan repeatedly, leading to more charges that can quickly add up and lead to a cycle of debt” (para. 5). In this manner many payday loan consumers repeatedly use it to pay off their fee or debt. Adams (2007) introduced some cases about payday loans victim. Lorrie and James Crouch have three children. They are disabled and have poor credit histories. The still owe about $3,000 to payday lenders. Lorrie said that “We had exhausted every other avenue. We were scraping just to feed he family. We were desperate” (para. 34-36). However, almost payday lenders do not check customer’s credit and customers just sign a few pieces of paper. At the end, customers can use any payday loans. Eventually they become to fall in a deeper financial hole. Their family also can fall into an unhappy bottomless pit. Moreover, such unhappiness can cause social problems such as a crime. People should consider to correlation between payday loans problem and crimes.

Finally, payday loans can bring out a social problem. We usually call the capitalist society as a mammon’s society. The payday loan industry well exhibits problem of capitalism like a mammonism. In the capitalist society, Generally lenders are the rich and borrowers are the poor. Eventually, this vicious circle can cause a lot of social problems and conflicts such as a crime. We sometimes can see crime related monetary through news. Payday loans customers can easily expose committing crime because they attempt to solve their financial problem through robbery, burglary, as far as homicide.

In conclusion, Almost of people who use payday loan services are poor people. They can easily fall into a deeper financial hole because of their bad credit and financial situation. They need to use payday loans because of their financial problem. However, they do not have ability that can independently solve their financial problem. Payday loans are a useless and bad thing in our society. First of all, payday loans charge customers excessively high interest rates. Next, payday loans can give a financial difficulty to borrower and borrower’s family. Finally, payday loans can bring about a social problem such as a crime. Accordingly, the individual try to achieve financial independence to avoid depending on payday loans. Also the government and society need to recognize such problem about payday loan and have to take an appropriate measure to minimize payday loan’s damage.




[References]
Adams. D. (2007). DEBT TRAP OR SAFETY NET? The Roanoke Times.Retrieved May 1, 2007, from http://web.lexisnexis.com/universe/document_m=df9580b12921dff24d2744e22abdf2a0&_docnum=1&wchp=dGLbVtz-zSkVb&_md5=71680ef3e242f8d95a34ebcf67a6e8cd

Curtia, J. (2006). States' payday-lender allowances cost families dearly.McClatchy-Tribune Business News. Retrieved May 1, 2007, from http://web.lexisnexis.com.proxy.lib.siu.edu/universe/document?_m=34a97f43d5381436334d9bb8d24c9d54&_docnum=52&wchp=dGLbVzz-zSkVb&_md5=c744fcf77f3da940499b1f155ba21f57

Schafer, M, S. (2007). Payday Loan Industry Acts to Quell Criticism. Los Angeles Times. Retrieved April 15, 2007, from http://www.latimes.com/business/custom/admark/la-fi-payday8mar08,1,4516617.story?coll=la-headlines-business-advert

Soldiers at Risk: Military Personnel Vulnerable to Payday Loans. (2004). Center for Responsible Lending. Retrieved April 15, 2007, from http://www.responsiblelending.org/issues/payday/briefs/page.jsp?itemID=28546770

Health Care Issue in the United States

[Percent of Total Population without Health Insurance, 2000]

Health care issues are closely connected human life. It is a very important to obtain appropriate health care programs and insurance in our life because most health and medical problems are not solved by individual ability and money without suitable government and public support. However, many Americans who are still placed in low socioeconomic status or lived with the aged do not have suitable medical measures. Furthermore, most of all industrialized nations adopt a single medical solution as one part of the social security policies. Therefore, the U. S. federal and state governments must try to provide the nation an appropriate health care program and support to solve the nation’s health and medical problems.

First of all, because medical expense is too expensive in the U.S., most poor people, some lower middle class people, the aged households have experienced a lot of difficulty about medical issues. Especially the aged households which expose various diseases have more serious suffering about medical problems. According to the report and survey’s results form Sara, Karen, Cathy, Michelle, & Jennifer (2006), “One-third of all respondents have medical bill problems or accrued medical debt, and nearly one-quarter (23%) said there was a time they went without needed medical care because of cost. Older workers and their spouses with low and moderate incomes are worried about the affordability of healthcare insurance coverage: over half of old workers with incomes below $40,000 and two of five (42%) with incomes between $40,000 and $60,000 said they were “very worried” about being able to afford healthcare insurance.” (pp. vii- viii). These results of research and survey well exhibit seriousness of health care issue in the U.S. Also, these results well show that the medical issue is universal problem in our society. In other word, not only poor people, but also middle class and the aged households have some medical problems. If the U. S. government realizes seriousness of the nation’s medical measures, the U. S. government will reform medical system to support and solve all of the nation’s medical issues.

Next, health care issue is one of the most important government welfare policies. Especially, under the situation which gets wider gap between rich and poor in the capitalistic society, if many low socioeconomic class people do not receive benefit from an appropriate health care program, it may became a serious social problem. For example, a poor family’s child has a serious medical problem, such as inborn heart disease and leukemia. They obviously experienced a lot of suffering because of this disease and monetary problem. Sometimes, any one of the family members may commit crime to solve their family’s trouble. If these problems are continuously accumulated in our society, they can be enormous social risk of our society. On the other hand, although the U.S is the richest country of the world, it has kept the worst medical system. According to the By Battista, R, J., & McCabe, J (1999), “The United States is the only industrialized nation that does not guarantee access to health care as a right of citizenship while 28 industrialized nations have single payer universal health care systems” (Shared Path section, para. 1). The fact that most of all industrialized nations have a single medical solution for the nation’s health and welfare is a very shocking to the U.S. government and American people. Social security system is fundamental policy to prevent general social crisis, furthermore national health policy which charges peoples’ health and life is one of the most important government policies. The U. S. government has to provide the nation a suitable public medical service through national health policy reform.

In conclusion, providing the social security service is one of the most important government’s duties. The U.S. which is the best nation in the world doesn’t have an appropriate health care system yet. If the U.S. government wants to achieve position as the best developed country and provide the nation a satisfactory public medical service, the U. S. government will attempt to reform national medical system.




[References]

Battista, R, J., & McCabe, J. (1999). The Case for Single Payer, Universal Health Care for the United States. Connecticut Coalition Universal Health Care. Retrieved December 21, 2006, from http://cthealth.server101.com/the_case_for_universal_health_care_in_the_united_states.htm.

Sara, R, C., Karen, D., Cathy, S., Michelle, M, Doty., & Jennifer, L, K. (2006). Health Coverage For Aging Baby Boomers: Finding From the Commonwealth Fund Survey of Older Adults.

Sharon, O. (n, d.). Baby Boomers and Healthcare: What are the Problems, and What Can Be Done?. About : Senior Living. Retrieved from http://seniorliving.about.com/od/manageyourmoney/a/healthcarecosts.htm.

Can Money Give Happiness to Us?

Money can shorten your life span. Is this a true or false? Because of its many problems and danger it can be truth. In the capitalistic society, most people believe that the money is able to guarantee our successful and happy life. However, everybody can never gain happiness and success through the medium of money or wealth. Some rich people can harm their health, can lose their family as well as friends because of money. Furthermore money can deprive their confidence and friendship. To spend money well is more important than to make money. If we spend money recklessly without certain criteria, we can spoil our life. If we want more happy life, we must use and make money more carefully. Consequently, money can never ensure happiness and success in human life because it can cause various problems such as health, family and social relationship problems.

First, the wealth can cause many health problems. Some rich people can have physical and mental health problems. Actually, to possess a lot of money can make people idle and cause psychological stress in their life. Some rich people exercise at a luxurious health club, have an expensive health insurance, and eat very good foods to keep their health while some rich people can spoil their health because they depend on assistants such as secretary, driver, housekeeper, and body guard for their convenience. Such bad life style will increasingly make them lazy and fat. Eventually, they will be exposed various diseases of adult people such as a heart disease, glycosuria, hyperpiesia. Also, although many rich people have a characteristic sincerity and responsibility to achieve their wealth, they can place risk such as mental and moral hazard. We can frequently see some failed wealthy people in our society because of their dissipation and luxury. Many rich people can indulge in excessive shopping. They possess a lot of cars useless and spend their money freely in everywhere. Such undesirable behaviors bring out and promote conflict between high and low socioeconomic statuses in our society. Moreover, they have a lot of stress to keep their wealth. It can also cause them a lot of anxieties. Some rich people have to possess many cashbox keys to keep their money. While the wealth can give us a certain satisfaction, it can create us a lot of physical and psychological health problems.

Next, the wealth can bring out family problems. The wealth can cause problems between husband and wife. Sometimes some rich people cheat on their spouses. After they have a lot of money, they are interested in sexual desire and vanity. They begin to seek younger and more attractive partner than their spouse to satisfy their merely sexual desire. Eventually, they lose their family as well as spouses. Also the wealth can bring out family conflicts especially conflicts between siblings about an inheritance succession. Most rich families’ siblings have experienced conflict about an inheritance succession. They may frequently rupture their family relationship because of their parents’ inheritance. Wealth is never a good thing for family members.

Finally, the wealth cause many social relationship problems. Some rich people lose trust from friends and acquaintances because of their money. The people who have a lot of money are asked financial requests from friends and acquaintances frequently. However, they can never receive their acquaintances’ requests because they are not a person of charity. In this process, many rich people are misunderstood as stingy by their friends and acquaintances. Eventually some rich people may lose their trust and friendship. Also many rich people can quit their job because of their wealth. Human is social animal. If some person quit his/her job, he/she may end social relationship. Finally the wealth may cut all social relationships.
Opponents claim that rich people can help other people. However, some rich people might exploit other people to save their wealth. In the capitalistic system, some capitalists and rich people exploit workers and harm other people to save their wealth directly or indirectly. Many company owners employ workers low wages to create their profits and capital. We can frequently see labor movement in the capitalistic society. Labors claim that they have a lot of difficulties about low wage and bad workplace conditions. Until now many middle Asian and South America countries keep child labor under the desperately bad workplace conditions. These bad labor conditions prove how labor condition is bad in the capitalistic society. Also, many rich people harm other people to increase their wealth. The land speculation is the best representative example of rich people’s selfishness. Some greedy rich people build enormous houses and apartments through their money. Most countries which keep high population density have a limited land. In this situation, some greedy rich people buy a lot of houses and apartments to make money. Eventually these land speculations deprive common people’ having housing opportunities.

In conclusion, most people believe that money is good, and to make a lot of money is a virtue in the capitalistic society. However, wealth never guarantees our happiness. Sometimes, wealth causes many physical and mental health problems because of rich people’s laziness and anxiety. Also wealth can also bring out family conflicts because of rich people’s vanity and desire. Finally, the wealth can spoil rich people’s social relationship because of money’s dangerousness. If we want to use money well, we must always consider about money’s risks. Generally money looks good. However, money has a lot of dangers and risks at the back of it. When we use money, we should deeply impress this point upon our mind. If we use money well, it is become a good medicine, on the other hand, if we abuse money, it is become a bad poison.

"Pity the Poor Lottery Winner"

This article, “Pity the Poor Lottery Winner”, which was reported by the New York Times describes that lottery winners have experienced a lot of troubles since they won huge money lottery. This article introduce four different cases about lottery winners to explain their trouble or happy. There are three failed case and one successful case in this article. Some lottery winners lost their family, friend, children, and trust while few people obtain happiness and trust through lottery.

First, in spite of a good purport of lottery all lotteries have a lot of problems and troubles. Most lotteries were founded to gather a lot of money for public benefit such as constructing public house, helping poor people, and promoting art and sport. However, many people have wasted too much money and time for only luck which is hardly possible. Also, according to the article even many lottery winners have a big trouble because of lottery problem. Consequently, a lottery has disadvantage more than advantage.

Next, many people too easily think about making money. To expect a lucky chance in our life is never a desirable life style. Usually, many people lean on a false hope. They also never think about a faithful and sincere life. Also, many lotteries stir up their gambling spirit. This is very serious social problem in the capitalistic society. A life which relies on lucky chance is never a healthy life.

In conclusion, even though most lotteries have a good purpose, they give lottery buyers a lot of trouble and damage. Also, they stir up lottery buyers’ gambling spirit. If we want more healthy society and community, we will consider to reform or abolish lottery system.

Capital Punishment : An Eye for an Eye????

Capital punishment has to disappear in the world. It is never effictive to execute a brutal criminal to prevent a dreadful crime.

First, the capital punishment is a second murder committed by the nation's authority. The death penalty violates human rights. Many criminals were executed without enough evidence. After the execution was performed by the government, the truth was often revealed.

Next, Most serious crimes(such as murder) are caused by the organizational contradiction of our society and a criminals' extreme rage. In other word; the fundamental cause of crime is never the individual or his/her responsibility. Most brutal criminals have grown up in a low socioeconomic environment without an appropriate family and community's supports. If we want a more fundamental solution to deter a dreadful crime, we have to consider structual contradiction and social reform.

In conclusion, Capital punishment is never the best method to prevent a dreadful crime. To solve dreadful crimes in our society, we must seek more fundamental solutions.

Summary of "Net Crime 'Big Fear' for Britons

Net Crime 'big fear' for Britons

This article 'Net Crime 'big fear' for Britons' from the Internet, the writer describes that many computer users were exposed by net-crimes in Great Britain, however they didn't prepare a suitable computer security system. First, many Britons worry about net cirme. According to the Get Safe Online study, 21% of respondents felt more risk from net crime than burglary. And many Britons were afraid of using the Internet because of online crime. Secondary, even though online crime was very jeopardizing, computer users didn't recognize the necessities of computer security systems. Finally, If we want to use computers and the Internet without risks of net-crimes, we must install computer security software such as anti-virus software, firewall, and spam mail prevention program.


First, high computer and the Internet used rate cause computer crimes such as fake online companies, computer virus attacks, and spam mail. Most of computer users have experienced net-crimes. They have spent too much time removing spam mail everyday. And they feel pain because of too much online advertisements. Obviously, net-crimes are so serious, they are social problems.


Next, despite serious online crimes most computer users don't have an appropriate safe method. Computers and the Internet are necessary in our lives. We can't think that we can't use computers for online-crimes. We have to destroy computer crimes in the world. So we must develop computer security systems and seek better fundamental solutions.

Finally, the Internet and computers give not only disadvantages but also advantages to our lives. We can enjoy computers and the Internet's convenience while we have to overcome computer and Internet risks. If we prepare proper computer security systems and enforce computer security consciousness, we will enjoy Internet surfing under a more safe computer environment.