Knowing how to use quizalize.

Management and Globalization Global Management Why companies go global How companies for global Global Business environments Global Business Types of global business Pros and cons of global businesses Ethnic Challenges for global business Culture and Global Diversity Cultural intelligence Silent language of culture Tight and loose cultures Values and national cultures Global Management Learning Are management theories universal? Intercultural competencies Global learning goals Key concepts of the challenges of globalisation: Global economy Resources, markets and competition are worldwide in scope Internationalisation The process of increasing involvement in international operations Globalization/Deglobalization Glob- the growing interdependence among elements in the global economy The worldwide interdependence of resource flows, product markets and business competition World 3.0 Different views: World flat vs. round Distance is a metaphor that represents the degree of dissimilarities between countries Balancing cooperation in the global Global Management Global management - managing things in different countries Managing business and organizations with interests in more than one country What do we expect from global Managers Knowing how to adapt Knowing the language Global Manager Is culturally aware and informed on international affairs International Business Conducting for-profit transactions of goods and services across national boundaries International Motive Why do firms internatioalize their activities Cheaper labour Labour tax Natural resources Enrolments to do business Clientele Exclusive materials Personal benefits: Taxes Reasons why businesses go global Customers Suppluers Capital During (1993) - 4 motive 1. Market seeking 2. Efficiency Seeking 3. Resource seeking 4. Strategic Asset Seeking Cuervo Cazurra, Narula and un (2015) - 4 motive s Internationalization Motives A company may also explore the opportunities in different markets in order to take advantage and in some cases extend the product life cycle What is a Market Entry Strategy Involves the sale of goods or services to foreign markets but do not require expensive investments Franchising Exporting and importing Involve the sale of goods or services to foreign markets but do Types of market entry strategies Global sourcing Exporting Importing Licensing agreement Franchising Types of Foreign Direct Investment (FDI) strategies: Joint venture Strategic alliance Owned Subsidiary (sometimes called WOS) How to go abroad What conditions will affect the decisions of firms on how to internationalize their activities? During (1978)- Eclectic paradigm OLI model OLI- Ownership, Location and Internalization Advantages Ownership advantages Resources owned by the organization that can be transferred across locations include trademarks, production techniques and processes, managerial skills and other resources not available to the competitors Location Advantages Represent the implications of choosing to produce or to perform activities in a specific location (country or region) Internalization Advantages: The ability to internalize or to incorporate activities that add value to its business Evolution of Concepts- New Elements Although economic factors are certainly important to explain the formation, growth and expansion of firms within and across national borders, they are not sufficient to explain the additional complexity when a firm decides to expand its activities across national borders Economic factors Investigate the economic elements that affect the internationalization of firms Behavioural Elements Explaining the additional challenges (and perhaps opportunities) a firm faces in foreign host countries when compared to indigenous (local) firms Behavioural theories Johanson and Wiedersheim-Paul (1975) and Johanson and Vahlne (1977) Included the psychic Distance concept (beckerman,1956) to explain the internationalization behaviour of firms The Uppsala internationalization model Psychic distance is: the sum of factors preventing the flow of infomatio from and to the market Psychic Distance is a broad concept that includes several elements such as: language, culture, political systems, level of education, level of industrial development Firms behave in a “Risk Averse” manner It means that when the perceived risk goes down, the firm increase its commitment to the foreign market \ The Haier Group Data Strategy Big DATA and Small DATA The use of small data to satisfy individual customers’ needs, however, the book mentions a huge cultural shock at the plant in Camden, south caroline Ex: top down, hard hat colors and hierarchy Culutral Differnces can have a huge impact on the internationalization of firms Kogut and Singh (1988)- Cultural Distance Index First statsical study on the implication of ciltiral distance to the selection of entry mode When investigating in culturally distant countries, foreign firms can choose to partner with foreign firms in order to gain local knowledge and share the risk associated to the investment (higher commitment = higher risk) How Companies Go Global Global sourcing The process of purchasing materials or services around teh world for local use Exporting Selling locally made products in foreign markets Importing Buying foreign made products and selling them domestically Exports correspond to what percentage of Candain GDP What countries are the major trending partners of Canada Management and Globalization How Companies Go Global Licensing Agreement One firm pays a fee for rights to make or sell another company’s products What are the potential risks associated to licesning The case of new balance in China Franchising A fee is paid for the rights to use another firms name, branding and methods Insourcing Insourcing: refers to local job creation that results from foreign direct investment Types of insourcing Joint ventures: operate in a foreign country through co-ownership by foreign and local partners Strategic alliances: A partnership in which foreign and domestic firms share resources and knowledge for mutual gains Foreign subsidiaries: local operation completely owned by a foreign firm Criteria for choosing a joint venture partner: Familiarity with your firm’s major business String local workforce Values its customers Future expansion possibilities Strong local market for partner’s own products Good Profit potential Sound financial standing Global business environments Legal and poliical systems Trade agreements and trade barriers Regional economic alliances Legal and political systems Differing laws and practices regards Business ownership Negotiation and implementation of contracts Foreign currency exchange Protection of intellectual property rights Counterfeit merchandise Political risk Potential loss in value of foreign investment due to instability and political changes in the host country Political risk analysis (expertise/experience) Forecast political disruptions that threaten the value of a foreign investment Changes in the rules of the game Brexit US Trade Wars-mexico-China Other examples Bolivia, Venezuela, China De-globalization The process of weakening interdependence among nations Trade Agreements and trade Barriers World trade organization Most favourd nation status Tariffs Nontariss barriers (quotes, restrictions, etc.) Protectionism Regional Economic Alliances USMCA (replacment for the NAFTA-North American Free trade Agreement) EU- European Union APEC- Aisa Pacific Economic Copperation ASEAN - Association of Southeast Asian Nationas SADC - Southern Africa Development Community MERCOSUR- Chapter 5- Global Management and Cultural Diversity (part 2) Review Types of global business Global corporation MNE (multinational enterprise) or MNC (multinational corporation) with extensive business operations in more than one foreign country Transnational corporation A global corporation that operates worldwide on borderless basis Some host country complaints about MNCs Host Country companits about MNCs: Excessive profits Interference with local government Domination of local economy Interference with local government Hiring the best local talent Limited technology transfer Disrespect for local customers Examples - War in Ukraine Disruption in global -value chains and increased pressure and interference of MNCs with local government Fertilizer imports in Brazil (one of the major producers of agricultural commodities) We must consider the triple bottom line and the impact in society, the environment and the economy $2.5 billion invest in potash mine in Brazill What about Globalization gap Large multinationals adn industrilizednaitons gaining disporoportinonally form globalization Globalization gap: Large multinational and industrialized nations gaining disproportionally from Globalization Some MNC complaints about host countries MNC Complaints about host countries: Profiit limitations Laws and regulations Overpirce resources Exploitative rules Foreign exchange restriction Failure to uphold contracts Mutual benefits for host countries and multinational companies Mutual benefits for host country and global corporation of MNC: Shared growth opportunities Shared income opportunities Shared learning opportunities Share development opportunities Develop projects together What are some of the ethical challenges for global business Ethincal challenges for global business Child labour Employmnet of children for worl otherwise done by adults Sweatshops Employment of workers at very low wages for long hours in poor working conditions Ex: Nike bad labour prices Unsafe working conditions Corruption Illegal practices that further one’s business interests Corrupiotn of froeign public officials Act makes it illegal for Candain firms and their representatives to engage in corrupt practices overseas Bribes to foreign officials Excessive commissions Non-monetary gifts Sweatshops Conflict materials What is culture Culture : The shared set of beliefs, values, and patterns of behvaiourr common to a group of people Food preferences Values and traditions Language and beliefs Religion Art music Life style Hofstede defines culture as: “The collectiv programing of teh mind distinguishing the members of one group or category of people from others” What is culture shock Culture Shock: Confusion and discoumfert a person experiences in an unfaamiliar culture Stages to adjusting to a new culture Confusion Small vitorires The honeymoon Irritation and anger Reality Cultural Intelligence The ability to adapt and adjust to new cultures What is Ethnocentrism Tendency to consider one’s own culture as superior others Slinet languages of culture Contect Low context High context Space Proxemics Ex: personal space Time Monochronic Polychronic High and low contexts cultures Edward T.Hall (1959) Def: Part of a discourse that surround a word or passage and can throw on its meaning Low context cultures Emphizes communication via spoken or written words Countries like United States, Canada and Germany High context cultures Rely on nonverbal and situational cues as well as on spoken or written works Thailand Malaysia Time Monochronic cultures People tend to do one thing at a time Canda Polychronic cultures Time is used to accomplish many different things at once Egypt Space Proxemics Study of how people use space to communicate In North American people value “personal space’ Many Latin and Asian cultures expect much less personal space Tight and Loose Cultures Cultural tightness-looseness Tight = Strength of norms that govern social behvaviour Japan, Korea, Malaysia Loose = tolerance for any deviation from norms Australia, Brazil, Hungary Values and national cultures (Hofstede) Power distance Uncertainty avoidance Individalism-collectivism Masculinity-femininty Time Orientation Indulgence vs. Restraint Comparative management How management pratices systematically differ among countries and /or cultures Intercultural competencies Skills and personal characteristics that help us be successful in cross cultural situations Global Managers (know how to adapt) Need to successfully apply management functions across interantional boundaries Global Learning goals Not universal Engage critical thinking Look everywhere for new management ideas Always consider culture

5.1 Personal data Personal data is any data that relates to you and your identity. This includes data such as: •Name •Address •Telephone number •Email address •Bank details •Medical records •Salary •Political opinions You should be very careful about revealing any of your personal data! By revealing personal data to another, especially online, you are exposing yourself to dangers such as identity theft, fraud, bullying and blackmail. These types of dangers can be issues that arise as a result of revealing more personal thoughts and feelings to those that can use them against you. It is a more sinister viewpoint to take, but the moment you reveal any personal data to another, you are providing them with the potential to harm you or your identity. This isn't to say you should never speak to another, especially those unknown online, just understand how to recognise a danger and how to keep your identity secure. To keep yourself safe in your daily life, you are likely to have been taught to take measures such as locking doors, not talking to strangers and not venturing into unsafe areas. However, when many people go online, they relax their safety measures, perhaps because they are in the comfort of their own home, so do not think anything negative will happen. Many people that use the internet are genuine, but knowing how to detect the few that aren't is important. There are several guidelines for you to be aware of to keep your personal data confidential: •Have strong passwords set on any account that holds personal data. Stronger passwords include characters, numbers and symbols and are not a recognisable word. •Encrypt (scramble text so that it cannot be read without a decryption key) any personal data that you store on your computer. •Have a firewall present, scanning incoming and outgoing data from your computer system. •Regularly scan your computer with preventative software, such as an anti-virus package, that is used to identify a virus on a computer and remove it. •Make use of any biometric devices (devices that measures a person's biological data, such as thumbprints), that are built into technology. •Only visit and provide data to websites that are a trusted source. •Do not open any email attachments from a sender you do not recognise. •Check the URL attached to any link requesting data to see if it is genuine. •Be cautious about any pictures or opinions that you post or send to people. •Remove data about your location that is normally attached to your photos and videos that you may post, such as geotags. •Do not become friends on social networking sites with people you do not know. •Set all the privacy controls to the most secure setting that are available on social media accounts. •Report and block any suspicious user. •Use a nickname or pseudonym when using the internet for entertainment, for example, playing games. •If it is possible, use a virtual private network (VPN), an encrypted connection that can be used to send data more securely across a network. The ways in which some of these guidelines can be used in more detail will be explored throughout this chapter.

“There’s No Such Thing as Sound Science” by By Christie Aschwanden was a lead science writer for FiveThirtyEight. FiveThirtyEight, Science, Dec. 6, 2017 Science is being turned against itself. For decades, its twin ideals of transparency and rigor have been weaponized by those who disagree with results produced by the scientific method. Under the Trump administration, that fight has ramped up again. In a move ostensibly meant to reduce conflicts of interest, Environmental Protection Agency Administrator Scott Pruitt has removed a number of scientists from advisory panels and replaced some of them with representatives from industries that the agency regulates. Like many in the Trump administration, Pruitt has also cast doubt on the reliability of climate science. For instance, in an interview with CNBC, Pruitt said that “measuring with precision human activity on the climate is something very challenging to do.” Similarly, Trump’s pick to head NASA, an agency that oversees a large portion the nation’s climate research, has insisted that research into human influence on climate lacks certainty, and he falsely claimed that “global temperatures stopped rising 10 years ago.” Kathleen Hartnett White, Trump’s nominee to head the White House Council on Environmental Quality, said in a Senate hearing last month that she thinks we “need to have more precise explanations of the human role and the natural role” in climate change. The same entreaties crop up again and again: We need to root out conflicts. We need more precise evidence. What makes these arguments so powerful is that they sound quite similar to the points raised by proponents of a very different call for change that’s coming from within science. This other movement strives to produce more robust, reproducible findings. Despite having dissimilar goals, the two forces espouse principles that look surprisingly alike: Science needs to be transparent. Results and methods should be openly shared so that outside researchers can independently reproduce and validate them. The methods used to collect and analyze data should be rigorous and clear, and conclusions must be supported by evidence. These are the arguments underlying an “open science” reform movement that was created, in part, as a response to a “reproducibility crisis” that has struck some fields of science.1 But they’re also used as talking points by politicians who are working to make it more difficult for the EPA and other federal agencies to use science in their regulatory decision-making, under the guise of basing policy on “sound science.” Science’s virtues are being wielded against it. What distinguishes the two calls for transparency is intent: Whereas the “open science” movement aims to make science more reliable, reproducible and robust, proponents of “sound science” have historically worked to amplify uncertainty, create doubt and undermine scientific discoveries that threaten their interests. “Our criticisms are founded in a confidence in science,” said Steven Goodman, co-director of the Meta-Research Innovation Center at Stanford and a proponent of open science. “That’s a fundamental difference — we’re critiquing science to make it better. Others are critiquing it to devalue the approach itself.” Calls to base public policy on “sound science” seem unassailable if you don’t know the term’s history. The phrase was adopted by the tobacco industry in the 1990s to counteract mounting evidence linking secondhand smoke to cancer. A 1992 Environmental Protection Agency report identified secondhand smoke as a human carcinogen, and Philip Morris responded by launching an initiative to promote what it called “sound science.” In an internal memo, Philip Morris vice president of corporate affairs Ellen Merlo wrote that the program was designed to “discredit the EPA report,” “prevent states and cities, as well as businesses from passing smoking bans” and “proactively” pass legislation to help their cause. The sound science tactic exploits a fundamental feature of the scientific process: Science does not produce absolute certainty. Contrary to how it’s sometimes represented to the public, science is not a magic wand that turns everything it touches to truth. Instead, it’s a process of uncertainty reduction, much like a game of 20 Questions. Any given study can rarely answer more than one question at a time, and each study usually raises a bunch of new questions in the process of answering old ones. “Science is a process rather than an answer,” said psychologist Alison Ledgerwood of the University of California, Davis. Every answer is provisional and subject to change in the face of new evidence. It’s not entirely correct to say that “this study proves this fact,” Ledgerwood said. “We should be talking instead about how science increases or decreases our confidence in something.” The tobacco industry’s brilliant tactic was to turn this baked-in uncertainty against the scientific enterprise itself. While insisting that they merely wanted to ensure that public policy was based on sound science, tobacco companies defined the term in a way that ensured that no science could ever be sound enough. The only sound science was certain science, which is an impossible standard to achieve. “Doubt is our product,” wrote one employee of the Brown & Williamson tobacco company in a 1969 internal memo. The note went on to say that doubt “is the best means of competing with the ‘body of fact’” and “establishing a controversy.” These strategies for undermining inconvenient science were so effective that they’ve served as a sort of playbook for industry interests ever since, said Stanford University science historian Robert Proctor. The sound science push is no longer just Philip Morris sowing doubt about the links between cigarettes and cancer. It’s also a 1998 action plan by the American Petroleum Institute, Chevron and Exxon Mobil to “install uncertainty” about the link between greenhouse gas emissions and climate change. It’s industry-funded groups’ late-1990s effort to question the science the EPA was using to set fine-particle-pollution air-quality standards that the industry didn’t want. And then there was the more recent effort by Dow Chemical to insist on more scientific certainty before banning a pesticide that the EPA’s scientists had deemed risky to children. Now comes a move by the Trump administration’s EPA to repeal a 2015 rule on wetlands protection by disregarding particular studies. (To name just a few examples.) Doubt merchants aren’t pushing for knowledge, they’re practicing what Proctor has dubbed “agnogenesis” — the intentional manufacture of ignorance. This ignorance isn’t simply the absence of knowing something; it’s a lack of comprehension deliberately created by agents who don’t want you to know, Proctor said.2 In the hands of doubt-makers, transparency becomes a rhetorical move. “It’s really difficult as a scientist or policy maker to make a stand against transparency and openness, because well, who would be against it?” said Karen Levy, researcher on information science at Cornell University. But at the same time, “you can couch everything in the language of transparency and it becomes a powerful weapon.” For instance, when the EPA was preparing to set new limits on particulate pollution in the 1990s, industry groups pushed back against the research and demanded access to primary data (including records that researchers had promised participants would remain confidential) and a reanalysis of the evidence. Their calls succeeded and a new analysis was performed. The reanalysis essentially confirmed the original conclusions, but the process of conducting it delayed the implementation of regulations and cost researchers time and money. Delay is a time-tested strategy. “Gridlock is the greatest friend a global warming skeptic has,” said Marc Morano, a prominent critic of global warming research and the executive director of ClimateDepot.com, in the documentary “Merchants of Doubt” (based on the book by the same name). Morano’s site is a project of the Committee for a Constructive Tomorrow, which has received funding from the oil and gas industry. “We’re the negative force. We’re just trying to stop stuff.” Some of these ploys are getting a fresh boost from Congress. The Data Quality Act (also known as the Information Quality Act) was reportedly written by an industry lobbyist and quietly passed as part of an appropriations bill in 2000. The rule mandates that federal agencies ensure the “quality, objectivity, utility, and integrity of information” that they disseminate, though it does little to define what these terms mean. The law also provides a mechanism for citizens and groups to challenge information that they deem inaccurate, including science that they disagree with. “It was passed in this very quiet way with no explicit debate about it — that should tell you a lot about the real goals,” Levy said. But what’s most telling about the Data Quality Act is how it’s been used, Levy said. A 2004 Washington Post analysis found that in the 20 months following its implementation, the act was repeatedly used by industry groups to push back against proposed regulations and bog down the decision-making process. Instead of deploying transparency as a fundamental principle that applies to all science, these interests have used transparency as a weapon to attack very particular findings that they would like to eradicate. Now Congress is considering another way to legislate how science is used. The Honest Act, a bill sponsored by Rep. Lamar Smith of Texas,3 is another example of what Levy calls a “Trojan horse” law that uses the language of transparency as a cover to achieve other political goals. Smith’s legislation would severely limit the kind of evidence the EPA could use for decision-making. Only studies whose raw data and computer codes were publicly available would be allowed for consideration. That might sound perfectly reasonable, and in many cases it is, Goodman said. But sometimes there are good reasons why researchers can’t conform to these rules, like when the data contains confidential or sensitive medical information.4 Critics, which include more than a dozen scientific organizations, argue that, in practice, the rules would prevent many studies from being considered in EPA reviews.5 It might seem like an easy task to sort good science from bad, but in reality it’s not so simple. “There’s a misplaced idea that we can definitively distinguish the good from the not-good science, but it’s all a matter of degree,” said Brian Nosek, executive director of the Center for Open Science. “There is no perfect study.” Requiring regulators to wait until they have (nonexistent) perfect evidence is essentially “a way of saying, ‘We don’t want to use evidence for our decision-making,’” Nosek said. Most scientific controversies aren’t about science at all, and once the sides are drawn, more data is unlikely to bring opponents into agreement. Michael Carolan, who researches the sociology of technology and scientific knowledge at Colorado State University, wrote in a 2008 paper about why objective knowledge is not enough to resolve environmental controversies. “While these controversies may appear on the surface to rest on disputed questions of fact, beneath often reside differing positions of value; values that can give shape to differing understandings of what ‘the facts’ are.” What’s needed in these cases isn’t more or better science, but mechanisms to bring those hidden values to the forefront of the discussion so that they can be debated transparently. “As long as we continue down this unabashedly naive road about what science is, and what it is capable of doing, we will continue to fail to reach any sort of meaningful consensus on these matters,” Carolan writes. The dispute over tobacco was never about the science of cigarettes’ link to cancer. It was about whether companies have the right to sell dangerous products and, if so, what obligations they have to the consumers who purchased them. Similarly, the debate over climate change isn’t about whether our planet is heating, but about how much responsibility each country and person bears for stopping it. While researching her book “Merchants of Doubt,” science historian Naomi Oreskes found that some of the same people who were defending the tobacco industry as scientific experts were also receiving industry money to deny the role of human activity in global warming. What these issues had in common, she realized, was that they all involved the need for government action. “None of this is about the science. All of this is a political debate about the role of government,” she said in the documentary. These controversies are really about values, not scientific facts, and acknowledging that would allow us to have more truthful and productive debates. What would that look like in practice? Instead of cherry-picking evidence to support a particular view (and insisting that the science points to a desired action), the various sides could lay out the values they are using to assess the evidence. For instance, in Europe, many decisions are guided by the precautionary principle — a system that values caution in the face of uncertainty and says that when the risks are unclear, it should be up to industries to show that their products and processes are not harmful, rather than requiring the government to prove that they are harmful before they can be regulated. By contrast, U.S. agencies tend to wait for strong evidence of harm before issuing regulations. Both approaches have critics, but the difference between them comes down to priorities: Is it better to exercise caution at the risk of burdening companies and perhaps the economy, or is it more important to avoid potential economic downsides even if it means that sometimes a harmful product or industrial process goes unregulated? In other words, under what circumstances do we agree to act on a risk? How certain do we need to be that the risk is real, and how many people would need to be at risk, and how costly is it to reduce that risk? Those are moral questions, not scientific ones, and openly discussing and identifying these kinds of judgment calls would lead to a more honest debate. Science matters, and we need to do it as rigorously as possible. But science can’t tell us how risky is too risky to allow products like cigarettes or potentially harmful pesticides to be sold — those are value judgements that only humans can make.

Sanitation must always be observed to promote hygiene and to prevent diseases. Sanitation and safety measures at home must never be taken for granted. All responsible members of the family should see to it that everything at home is in proper order to avoid accident. Children are usually careless and playful, they must be well taken cared off and not left alone for themselves, otherwise something wrong might happen. My dear learners keep focus, learn more! How can accidents be avoided at home? a. Multiple octopus connection can cause power overload. This can cause fire, hence it is better to install an extra outlets than to have your house burned. b. Unplug electrical appliances after use to avoid overheat appliances causing fire. c. Electrical cord should be placed away from children’s reach. d. Sharp objects should be placed in secure places where children will not reach , thus causing accidents. e. Separate shelves must be provided for poisonous substances and another one for food supplies and medicines. Following are guidelines to be observed to avoid accidents at home. Home Economics and Livelihood Education 7 Seibo College 128 f. Never touch electrical switches with wet hands. Be sure to dry your hands before plugging or unplugging appliances. In addition to that, there are accidents usually occurs in the kitchen. Since the kitchen is considered the busiest part of the house it is best to follow safety measures to avoid accidents. . 1. When preparing and cooking food never leave the fruit and vegetable peelings on the floor. Someone might step on it and fall. 2. When someone accidentally spilled liquid on the floor, wipe it immediately. 3. Use a tray when carrying or serving hot liquids to protect yourself from spills. 4. When lighting the gas stove, be sure to light the match first before turning the gas on. Always turn-off the gas stove after use. 5. Throw sand or a damp rag in case your stove catches fire. 6. Use dry pot holders to hold hot utensils. 7. Hold the kettle and its cover with dry pot holders when draining. 8. To avoid touching handles of hot utensils while cooking, turn them inward. Listed below are the health and safety practices while working in the kitchen Home Economics and Livelihood Education 7 Seibo College 129 9. Avoid carrying hot pots filled with hot liquids across the kitchen to avoid getting burned. 10. Be sure to wash your hands before and after cooking. 11. Use appropriate cooking wear like apron and hairnet. 12. Provide for a covered garbage can for trash and rubbish. 13. Use a dish cloth for wiping dry the different kitchen wares. 14. Remove accessories like bracelets, wrist watch, and ring while working in the kitchen. 15. Clean the kitchen before and after cooking. Why is it important to follow health and safety practices at home?  Knowing safety tips at home prevents common injuries like burns, cuts, poisoning, choking and falls.  Observing health practices at home prevents illness, spread of diseases or even death.  Safety measures at home prevent accidents from happening thus save time, money and energy.  Following safety measures at home ensures a healthy and peaceful life. Did you understand the lesson? If you did, observe and practice them at home for your own good and your love ones.

Write 5 multiple choice questions for the following transcript ...Setting goals and budgeting. [tranquil music] Getting where you want to be involves three important skills. Setting realistic goals, knowing your net worth, and budgeting. [energetic music] Setting goals is a way to get control of your life. A goal is not the same as a dream. It's not pie in the sky stuff. It's something that's achievable and it comes with a time frame. If you have a big goal, like buying a house in five years' time, you might need a plan that involves a whole series of mini goals to get you there in stages. The important is finding something you know you can do. Most people find longterm goals hard to stick to. Don't worry about it. If 10 years seems too far away, set your horizons a little closer. Give yourself a set sum of money to save in the next few years. You can use it as a springboard to get to your next goal and it'll get you in the savings habit. Changes in your life circumstances may also affect your goal, so use this opportunity to review them. Think about your financial goals when you have some quiet time. It may sound a little obsessive, but write down what they are and how you're going to achieve them. Be specific, be realistic, and always, always keep your goals within reach. Achieving a goal is a great excuse to celebrate, so don't forget to reward yourself for your achievement. [energetic music] Imagine if tomorrow you had to sell everything you own and pay off everything you owe the bank or anyone else, would you be left with much? Would you be left with anything? That figure is called your net worth. It's a measure of your actual financial wealth and growing it over time is what getting sorted is all about. Use Sorted's net work calculator to find out where you're at. Decide what you want your net worth to be in a year's time. Think about your cash and other assets and work out how you might get there. Monitoring and growing your net worth over time is the thing that will eventually get you to retirement in good shape. [energetic music] Budgeting is another one of those, I can't believe I didn't do something so basic, type of things. Do a budget. Stick to it and you're in control. There are two approaches to budgeting. The first is what we call cold turkey. Each time you get paid, you work out what you need to pay for all your essentials. Use Sorted's budget calculator to do this. You then take the rest and put it straight into savings. Going cold turkey on all those other things that you usually throw your money away on. Be realistic with your savings. Don't be too hard on yourself as it could take time for you to get into the saving habit. But if you remove the temptation to spend, you'll improve your financial position each month. If that seems a bit rigorous, try the alternative nip and tick approach. Do a budget using Sorted's budget calculator and then take a hard look at where your money's going. We're prepared to bet there's a nip here and a tuck there that will result in savings and every month you save, you increase your net worth. So go to it. ChatGPT What are the three important skills needed to achieve your financial goals? A) Budgeting, investing, and saving B) Setting realistic goals, knowing your net worth, and budgeting C) Planning, tracking, and monitoring How can you make a big goal more achievable? A) By dreaming about it often B) By breaking it down into a series of mini goals C) By setting a longer time frame What is net worth? A) The amount of money you have in savings B) The value of everything you own minus what you owe C) The amount of money you earn each year What are the two approaches to budgeting mentioned in the transcript? A) Cold turkey and warm turkey B) Nip and tuck and cold turkey C) Nip and tick and warm turkey How can you increase your net worth every month? A) By dreaming about your financial goals B) By sticking to a budget and removing the temptation to spend C) By investing in high-risk stocks

Rainbows Introduction. When the Sun comes out after it rains, run outside. You may see a rainbow in the sky. Rainbows are tricks made by light. We can see them, but we can't touch them or walk around them. They seem to move away when we try to get close to them. Science can explain how rainbows happen. Where and When Rainbows Appear. Look around the next time you see a rainbow. The Sun will be shining from behind you. There will be rain in front of you, where you'll see the rainbow. Rainbows need water drops and sunlight to form. They can even form under a bright moon. These are called moonbows. We usually see a rainbow as a half circle. It actually forms a full circle. From the ground, we can only see the top half. How Rainbows Form. Years ago, a French scientist studied rainbows. He found that to see a rainbow, you must be in the right spot. Knowing how light moves helps explain rainbows. Think of running on land. Now think of trying to run through water. You will move more slowly through water because it is thicker than air. This pencil seems to bend where it enters the water. In the same way, light moves faster through air than through water. As the light moves through water, it slows down and bend. Rainbows form when water drops meet sunlight. The light bends when it goes into each drop. Then it reflects, or bounces, off the back of each drop. The light bends again as it leaves the drop. This happens in millions of water drops at once, making the colors of a rainbow. The Colors of the Rainbow. Sunlight is made up of many colors. Water drops split the sunlight into different colors. Splitting light makes a rainbow. You have to be in the right spot to see a rainbow. Each water drop reflects colored light at a slightly different angle. The colors of the rainbow always appear in the same order. The name ROY G. BIV can help you remember the seven main colors. They are red, orange, yellow, green, blue, indigo, and violet. Conclusion. Rain stops and the Sun comes out. A beautiful rainbow sweeps across the sky. Most people find it hard not to stop and stare when a rainbow appears. Science explains how rainbows form. Still, a rainbow is always a magical sight to see.

Makharij al-Huruf (مخارج الحروف) refers to the specific places or points in the mouth and throat from which the Arabic letters originate. Knowing the correct makhraj is essential for proper Qur’an recitation. 📌 There are 5 main articulation areas in the human vocal system: Al-Jawf (the empty space in the mouth and throat) Al-Halq (the throat) Al-Lisan (the tongue) Ash-Shafatain (the two lips) Al-Khayshum (the nasal cavity) and trainer What is the meaning of "Makharij al-Huruf"? A. Rules of stopping B. Points of articulation C. Types of letters D. Tajwid marks ✅ Answer: B Which letters originate from the lips (Ash-Shafatain)? A. Alif, Waw, Ya B. Fa, Ba, Meem, Waw C. Ta, Da, Tha D. Kha, Ha, Ghayn ✅ Answer: B Where do the letters ‘ع’ and ‘ح’ originate from? A. Lips B. Nasal cavity C. Throat D. Tongue ✅ Answer: C The nasal cavity (Al-Khayshum) is the source of which sound? A. Ghunna B. Qalqalah C. Ikhfa D. Idgham ✅ Answer: A Which letter is produced from the middle of the tongue? A. Lam B. Kaf C. Jeem D. Ba ✅ Answer: C The sound of letter 'ق' comes from: A. The lips B. The nose C. The back of the tongue touching the soft palate D. The teeth ✅ Answer: C How many main articulation areas are there in Makharij al-Huruf? A. 3 B. 4 C. 5 D. 6 ✅ Answer: C Which of the following is a letter from Al-Jawf? A. Ba B. Waw (madd) C. Fa D. Tha ✅ Answer: B What does 'Ghunna' mean in tajwid? A. Prolongation B. Nasal sound C. Pause D. Echoing sound ✅ Answer: B Which letters are articulated with both lips closed? A. Fa and Waw B. Ba and Meem C. Ta and Da D. Ha and Kha ✅ Answer: B

1. How many pillars of Islam are there in total? A) Three B) Five (Correct) C) Six D) Seven Hint: Think about the famous Hadith of Gabriel where he asks about the basic practices of Islam. 2. What is the first pillar of Islam? A) Salah (Prayer) B) Zakat (Charity) C) Shahadah (Declaration of faith) (Correct) D) Sawm (Fasting) Hint: It is the declaration that there is no god but Allah and Muhammad is His messenger. 3. How many times a day must a Muslim perform Salah (prayer)? A) Three times B) Five times (Correct) C) Four times D) Six times Hint: Count Fajr, Dhuhr, Asr, Maghrib, and Isha. 4. What does the word 'Zakat' mean in terms of practice? A) Fasting all day B) Giving charity to the poor (Correct) C) Traveling to Makkah D) Reading the Quran Hint: It involves sharing a small part of your saved wealth to purify the rest of it. 5. During which Islamic month do Muslims fast (Sawm)? A) Muharram B) Ramadan (Correct) C) Shawwal D) Dhul-Hijjah Hint: It is the month in which the Quran was first revealed. 6. Where must a Muslim go to perform Hajj? A) Madinah B) Jerusalem C) Makkah (Correct) D) Cairo Hint: This city contains the Kaaba, the direction Muslims face during prayer. 7. Which pillar of Islam directly trains a Muslim in patience and feeling the hunger of the poor? A) Shahadah B) Sawm (Fasting) (Correct) C) Salah D) Hajj Hint: It is done during the daylight hours of Ramadan. Part 2: Pillars of Iman (أركان الإيمان) 8. How many pillars of Iman (faith) are there? A) Five B) Six (Correct) C) Four D) Eight Hint: It is one more than the number of pillars of Islam. 9. What is the first and most important pillar of Iman? A) Belief in Angels B) Belief in Allah (Correct) C) Belief in the Books D) Belief in the Last Day Hint: This is the belief in Monotheism (Tawhid). 10. Muslims believe that angels are created from what? A) Fire B) Clay C) Light (Correct) D) Water Hint: Think of a bright source that illuminates the dark, which matches their pure and luminous nature. 11. Which angel was responsible for bringing the revelation (Quran) to the Prophet Muhammad? A) Angel Mikaeel (Michael) B) Angel Jibreel (Gabriel) (Correct) C) Angel Israfeel D) Angel Malak al-Mawt Hint: He is the leader of all angels and visited the Prophet in the cave of Hira. 12. Belief in the Holy Books is a pillar of Iman. Which book was given to Prophet Isa (Jesus)? A) The Torah B) The Zabur C) The Injeel (Correct) D) The Quran Hint: The English translation often links this word closely to the 'Gospel'. 13. Who is the final Prophet and Messenger sent by Allah to mankind? A) Prophet Ibrahim (Abraham) B) Prophet Musa (Moses) C) Prophet Muhammad (Correct) D) Prophet Nuh (Noah) Hint: He was born in Makkah and received the Quran. 14. What does 'Belief in the Last Day' mean? A) Belief in the last day of Ramadan B) Belief in the Day of Judgment (Correct) C) Belief in the weekend D) Belief that the sun will never set Hint: It is the day when people will be rewarded with Paradise or punished based on their deeds. 15. What is the sixth pillar of Iman? A) Belief in Qadar (Divine Decree/Fate) (Correct) B) Belief in Hellfire C) Belief in the Companions D) Belief in Charity Hint: It relates to destiny and accepting whatever Allah has written for us. 16. What is the Arabic word for the 'Divine Decree' or destiny in the pillars of Iman? A) Zakat B) Qadar (Correct) C) Injeel D) Tawhid Hint: It sounds like 'Al-Qadr', as in the night of decree (Laylat al-Qadr). 17. Belief in Prophets includes believing in messengers mentioned in other scriptures. Who did Allah speak to directly? A) Prophet Musa (Moses) (Correct) B) Prophet Nuh (Noah) C) Prophet Yusuf (Joseph) D) Prophet Yunus (Jonah) Hint: He is the prophet associated with Mount Sinai and parting the sea. Part 3: Ihsan (الإحسان) 18. What is the meaning of 'Ihsan' according to the famous Hadith? A) To give all your money away B) To worship Allah as if you see Him (Correct) C) To memorize the whole Quran D) To fast twice a week Hint: It is the highest level of religion, focusing on absolute perfection and sincerity in worship. 19. If you cannot see Allah during worship, what must you always remember according to Ihsan? A) That other people are watching you B) That Allah sees you (Correct) C) That you should finish quickly D) That the angels will pray for you Hint: Allah is All-Seeing (Al-Baseer) and All-Knowing (Al-Aleem). 20. Which of the following represents the correct order of levels in religion from lowest to highest? A) Ihsan, then Iman, then Islam B) Islam, then Iman, then Ihsan (Correct) C) Iman, then Islam, then Ihsan D) Islam, then Ihsan, then Iman Hint: Every Muhsin (person of Ihsan) is a Mu'min (person of Iman) and a Muslim, but not vice versa.

Related quizzes

Related quizzes