Methods Analysis and Techniques Coursework Data Analysis Essay

Methods Analysis and Techniques Coursework Data Analysis - Essay Example 19% of these children were below 18 years old. The official level of poverty changes and in relation to household size; however, in 2008 the definition of poor family changed if a single parent with two children had an income below $17,346. The Connecticut Commission on children indicates that most children living in poverty are more vulnerable to diseases than children from more a well off homes. According to this commission, most babies that are born to low-income parents experience lower birth weights hence are more vulnerable to infant mortality. Child Trends organization reports that children from poor families experience mental health such as impulsiveness, disobedience and difficulties in association with other people. Their self-esteem is low and this may affect them throughout their lives. It is clear that income is a determinant on the health conditions of a person. Therefore this study wants to determine the effect of total family income on the health condition of an indiv idual. This study will be appropriate at making conclusions about the relationship that exist between income and health conditions. This study will be important to several stakeholders including the ministries of planning and health to make appropriate policies that will improve health conditions of the citizens. Researchers, who study the effect of income on health conditions, generally seek to generalize their results from the available data to some larger context by generalizing a sample to a population. Assumptions are important aspect of empirical studies. This study, just like any other study, applies some statistical assumptions in order to achieve at the desired results. The statistical assumptions are: The independent variable of the study is income while the dependent variable is health. The study will mainly duel on correlation and regression for data analysis. Correlation coefficient is important in showing

Fidel Castro’s revolution Essay Example for Free

Fidel Castro’s revolution Essay In the creation of Fidel Castro’s revolution, the promise to the Cuban people is this – under a regime that is led by the people, not Batista and his cronies, there shall soon be enough work, the sugar plantations shall be redistributed to the lowly campesinos, the American agro-industrial complexes shall be dismantled and nationalized, and education and healthcare shall soon be a reality in many parts of Cuba. Moreover, workers in the large enterprises shall be given thirty-percent of the profits, and peasants whose lands they tilled were not subject to redistribution shall be granted fifty-five percent of the sugar production. Lastly, all ill-gotten wealth by previous regimes shall be confiscated, including those presently owned by heirs and legatees of discredited rulers of former regimes. While the Cuban Revolution has indeed been able to achieve racial democracy in many years of its existence by providing socio-economic and political opportunities to all Cubans regardless of color, by the time the Revolution entered its ‘Special Period’ to cope with the collapse of the Soviet Union, there exists a creeping reversion to the years of racial prejudice against blacks prior to the 1959 triumph of the revolution. This renewed prejudice is created by the protracted economic crisis since the 1990s and the measures of the Cuban government in allowing Western-driven tourism to take root in places like Havana. As black Cubans are precluded from having free access to employment opportunities in the tourist centers, many blacks then subscribe to criminal activities and subsequently cracked down by security forces through unwarranted searches and a general profiling as being involved in criminal activities. Thereafter, a cultural construct by the white Cuban population is created –a throwback to the racial prejudice against black Cubans prior to the Revolution. On the other hand, Portrait of Teresa shows the contradictions in Teresa between the stated aims of the Cuban Revolution for gender equality and the reality of her domestic situation, in which the husband remains king of the household despite the greater opportunities given by the Revolution to women for greater self-expression, employment access, among others. Nonetheless, only time and the Cuban people will tell whether these rising inequalities may soon be addressed and rectified by the proud and mighty Cuban people. It is not for Fidel or Raul to determine such, only the people, by their struggle, can. References: 1. Castro, Fidel. â€Å"History Will Absolve Me† 1953. 2. De La Fuente, Alejandro. â€Å"Cuba’s Racial Democracy: What Now? †. 3. Vega, Pastor. Portrait of Teresa 1979.

The Life Insurance Need Analysis

The Life Insurance Need Analysis Under this, the insured person pays the premium regularly to insurance company, once a policy is taken, and in lieu of this, the insurer promises to pay a fixed sum of money at the time of the death of insured or on the expiry of a specified period of time, whichever is earlier. The payment for life insurance is certain but the event for which insurance is taken is not very certain. A Beneficiary can be a Person, Business, Trust, or Estate. The Owner of the policy is the Person or Organization who pays the premiums and has ownership rights : The right to name the beneficiary The right to receive dividends and to surrender the policy for cash The right to change ownership The right to assign a policy as collateral for a loan. Death is certain, but when it occurs is not Life insurance is of utmost importance for all individuals, businesses, communities, society and general public at large. If offers protection against loss of income and compensates the titleholders of the policy. It has other principal functions besides making cash payment on death of a life insured. Life is unpredictable. As the head of the family, everyone wants a secured life for their family members. The nightmares about your familys financial protection keep haunting you. You need life Insurance because typically the need for income continues for those who are financially dependent on you, but there is no guarantee of your ability to earn consistently and for the rest of your life. Life insurance can help you safeguard the financial needs of your family. To replace income the family would need to maintain their standard of living after the death of a wage earner. Life insurance insures your life and reduces any hardship your family may have to bear in the unfortunate event of your death. Insurance can provide an emergency cash reserve. It can provide capital to pay last expenses and operating capital during a familys readjustment period. to pay off a mortgage loan and other personal and business debts or to create a rent fund. To create a fund for childrens education. To create a family emergency fund or a fund for a family member with special needs. Life insurance proceeds generate a financial lump sum that can be used to cover a familys current and long-term operating expenses. It facilitates savings for old age to enjoy secured and peaceful life as the earning capacity of a person is reduced after retirement. It encourages people to save money by making them obliged to pay premium regularly when a life policy is taken. It helps to mobilize savings of the public to channelize it for investment and thus promote economic development of the country. It (policy) can be used as a security to raise loans and thus improves credit worthiness of an individual or a business. It also has tax benefits as under Income Tax Act, premium paid is allowed as a deduction from the total income. Exhibit 1 : Life Expectancy Graph of life expectancies from birth and from age 65 from 1900 to 2003. In order to estimate the amount of life insurance that is required an agent must be able to assess with the client which costs would be faced by the survivors resulting from the premature death of the proposed life insured, and how much it would cost to maintain the same or similar standard of living. A fact-finding interview with the client will begin by establishing qualitative goals. Once quality of life has been planned then this figure can be assigned to meet those objectives. These figures are called quantitative goals. Qualitative Goals Qualitative goals are quality of life goals. They reveal lifestyle choices that have a direct bearing on expenses, risk tolerance, and investment choices. For example; a family chooses to vacation each year in England of a month has made a qualitative decision. Quantitative Goals Quantitative goals are the dollar figures assigned to qualitative goals. For example, the family who vacations in England for a month needs Rs.22,000 to pay for their holiday. What Is Life Need Analysis ? It is the actual amount that would be needed to maintain the surviving dependants for the period they remain dependants. By considering all offsetting resources and benefits, the aggregate need for insurance can be trimmed to the unmet need for insurance the gap to be filled in order to satisfy the established goals. This net estimate may be used as the basis for a specific sales proposal. The nature of the unmet needs might also suggest the amounts and combination of types of insurance to recommend, such as a specified amount of whole life or other form of level coverage and a specified amount of decreasing term coverage. There are three basic methods for measuring life insurance needs : The Human Life Value Approach and The Needs Approach The Capital Retention Approach Each approach is a tool to help determine the amount of life insurance needed by an individual or family. Life insurance provides protection from the permanent loss of income that arises from premature death. The approaches are based on the principle that a life has economic value. This value is called capitalized value of life. Capitalized value may be represented by the sum earned as salary by an income-earner who dies during the prime of his or her life. Capitalized value may also be represented by the loss of income-in-kind such as the cost of having to provide day-care, then costs of day-care or nanny services will be a cost for the survivor to pay. The objective of insurance is to replace the capitalized value of the life insured with a sum of money that when invested at the interest rate in effect at the time of need analysis will provide an annual income stream equivalent to the annual lost earning power of the life insured. This can be expressed as : Annual Income Need à · prevailing Interest Rate = Lump Sum insurance required Capitalization of income determines the amount of insurance needed to replace that lost income. Capital retention determines the amount of insurance needed to pay capital costs of survivors by providing a lump sum-the interest earned on the lump sum provides the income. For example; if todays interest rate is 4%, the capitalized value of a life insured who earns Rs. 60,000 annually is Rs. 60,000 / 4% i.e. Rs. 15,00,000. This means Rs.15 lacs would have to be invested at 4% so that Rs. 60,000 could be used annually for expenses that would have been paid by the income earner. For the Financial Dependency of Survivors The three phases of financial dependency and the costs that survivors will face during these phases are : Readjustment/ Last Expenses Dependency/ Ongoing Expenses Survivor Life Income Needs/ Future Expenses (all explained later in this chapter) It provides ample information to establish the most effective means for that potential loss. Considerations can be personal, property or the liability. Needs Analysis can help determine the right amount of life insurance that is appropriate for your needs. It explains the overall principals behind estimating the costs associated with the death or disablement of an income earner and the provision of ongoing support for any dependants and/or the insured. Also outlines the factors to consider in the planning the amount of cover for short term disablement or illness. Again it explains how the value of property assets should be estimated for insurance purposes and develops a comprehensive and integrated set of insurance policy options for the particular clients needs and circumstances. These other assets will help in determining the amount and kind of insurance necessary to meet the applicants current and future needs. When estimating the potential contribution of Social Security benefits to survivors income, you should be aware of something known as the blackout period. This is the period of time after the youngest child is 16 years old and before the surviving spouse becomes eligible for retirement benefits. During this period, no benefits will be paid by Social Security to a surviving spouse. Offsetting benefits may reduce or even eliminate some of the items in the needs list. If existing medical insurance has a large lifetime benefit, any uninsured exposure related to a last illness may be limited to the deductibles and coinsurance, if any. Existing life insurance may substantially reduce a number of needs. Group life insurance will not provide a retirement income, but it will reduce the need for insurance by a working parent working with minor children in the family. An unpaid mortgage may already be fully insured by a credit life policy. Social Security and other available benefits might cut the remaining need for retirement income considerably. How much Life Insurance/ Determining the Need for Life Insurance (A General Concept) Well, the answer isnt really how much life insurance you need actually your life insurance needs often depend on a number of factors, including whether youre married, the size of your family, the nature of your financial obligations, your career stage and your goals. Its how much investment capital your family will need at the time of your death. This excellent question is to which there are as many answers as there are people to ask. Every advisor, financial columnist and relative has a formula that they consider the best. There are a number of approaches you can use to figure out how much insurance you should have. This section is designed to present the various need analysis methods used, as well as the pros and cons of each method. As these issues deal with how to value a life, it is indeed a very complex proposition. The method that makes the most sense to you is probably the one that may work the best for you. No method is perfect, as you are trying to hit a moving target. Life brings many changes and your needs will change with them. The more assumptions you make, the more complex you will make your planning and the more chances there are that something will not work as planned. This does not mean that you should only use simplest methods it is to give you a concept of why it is important to actively participate in all of your planning, fully understand it, and constantly monitor it. After all, it is your money. Remarkably, the simplest formulas can often be the best. Another thought to keep in mind is that as your other assets grow, such as retirement plans and investments, your need for life insurance will decrease. What determines your life insurance need ? Methods of calculating life insurance need Insurance mistakes What determines your life insurance need ? Life Stages and Circumstances When determining your life insurance need, you should first consider your life stage and circumstances. Marital status, number of dependents, size and nature of financial obligations, your career stage, and your intentions to pass on your property are all factors to consider. Your need for life insurance changes as the circumstances of your life change. Starting Out In the Starting Out stage of life, you may be just beginning your career or family. You may not have children or other dependents at this stage, but that doesnt mean you have no obligations. For instances, if you paid for your college education with student loans, you likely had a cosigner for your loan-may be your parents or a grandparent. The same may be true of your car loan. If you were to die before the loan is paid, your cosigner would be obligated to pay the debt. Under law, a cosigner is responsible for full payment of a debt in the event of default. Death doesnt erase the debt obligation. single Adult A growing percentage of the population now falls into the single adult demographic group. This group covers a broad spectrum of ages, lifestyles, and obligations. Family Obligations-Parents Although you may not have a spouse, your death could have a serious financial impact on other family members. If, like many adults, you are supporting your parents (either financially or with care), your death could have a major impact, both emotionally and financially. They would not only lose the support you have been providing to them, but they would also need to come up with the money for your final expenses. Family Obligations-Children If you are a single parent, the primary financial support for your children would die with you. If you are lucky, you may have family members who would step in and help your children if you died. If you are even luckier, they will be able to provide your children with the education and lifestyle you had hoped for them to have. Your need for life insurance as a single parent is even greater than that of a dual-parent, dual-income household, which would still have one income if one parent died. Life insurance is a cost-effective way to make sure that your children are protected financially should anything happen to you. Debt Obligations In this stage of life, you may still be paying for or even still accumulated education loans. You may have purchased a house or condo with a cosigner. If you died, your cosigner would be legally liable for the payments on the debt. Protect Your Insurability Another reason to buy life insurance at this stage of your life is to protect your future insurability. Once you buy a permanent, cash value life insurance policy, it remains in effect for your entire life (assuming the premiums are paid), even if your health changes. If you were to experience a serious change in health, you might not be able to buy additional insurance coverage, but you would still have the permanent coverage you already own. Dual-Income Couple or Family If you and your spouse both earn an income, it is possible that if one of you died, the other may be able to cope financially on the remaining income. If there are mortgages, joint credit cards or other debt, or children in the picture, the loss of one income could be much more difficult to overcome. The more people who depend on your income while you are alive, the more life insurance you should own. If you died today with insufficient or no insurance, your mate could be forced to give up the residence or lifestyle for which you have both worked. When there are children involved, the loss of one breadwinner could mean a setback in the daily way of life, not to mention any plans for private school or college. Parent of Grown Children Just because your children have grown up and left the nest doesnt mean you have no need for life insurance. you may have spent your entire adult life building an estate that you intend to pass on to your children, grandchildren, or favorite charity. You can use life insurance to ensure that the bulk of your estate passes to your heirs or designated charitable organization subject to certain tax advantages. Part of Overall Financial Planning Determining your life insurance needs should not be done in isolation. Instead, it should be looked at as part of your overall financial plan, with consideration given to your goals for savings and retirement, as well as tax and estate planning. As your life changes, your financial goals may change, as well as your need for life insurance, making it important to also periodically review your coverage. Methods of Calculating Life Insurance Need Several methods are used to calculate the appropriate level of insurance for you and your situation. While they all share common features, some methods strive to be more simplistic, while others involve more sophisticated calculations. You may want to determine an amount on your own, using one of the simpler methods. This can provide a basis for your discussions with your financial planner. Insurable Interest Before you begin calculating your insurance needs, it is important to determine insurable interest. Basically, having an insurable interest in a persons life means that you would suffer emotional or financial harm or loss if that person were to die. It is always assumed that you have an insurable interest in your own life. However, to prove an insurable interest in someone elses life, you must have a relationship to that person based on blood, marriage, or monetary interest. You must have an insurable interest before you can purchase an insurance policy. Family Needs Approach The family needs approach is one of the more comprehensive methods of calculating your life insurance needs. It assumes that the purpose of life insurance is to cover the needs of the surviving family members. This method takes into account the immediate and ongoing needs of the surviving family members, as well as income from other sources and the value of assets that could be used to help defray the familys expenses (such as bank accounts and real estate). Capital Retention Approach The capital retention approach is one of two calculation methods under the family needs approach. This approach assumes that life insurance principal will support the family indefinitely into the future. Because you will purchase more life insurance under this method, you will be in a better position if the surviving spouse lives longer than expected. Capital Liquidation Approach The capital liquidation approach is the second of two calculation methods under the family needs approach. This method does not provide as much continuing capital for the surviving spouse or for heirs after the death of the surviving spouse. However, it does allow you to spend less money by purchasing a lesser amount of life insurance coverage. Estate Preservation and Liquidity Needs The estate preservation and liquidity needs approach attempts to determine the amount of insurance needed at death for items such as taxes, expenses, fees, and debts while preserving the value of the estate. This method considers all the variables of family lifestyle and the total cash needed to maintain the current value of the estate while providing adequate cash needed to cover estate expenses and taxes. Income Replacement Approach The income replacement calculation is based on the theory that the purpose of insurance is to replace the loss of your paycheck when you die. This analysis determines an economic or human life value and factors in salary increases and the effects of inflation in determining the appropriate level of coverage. While more comprehensive than the rules of thumb, this method still fails to consider special circumstances or financial needs and operates on the premise that the current level of income provides a satisfactory standard of living that will remain level throughout the future. Rules of Thumb The rules of thumb are extremely basic calculations. They provide a starting point but fail to recognize special family circumstances or needs and focus only on the most basic components. One rule of thumb dictates that multiplying your salary by a certain number will provide an adequate level of insurance, while another calculates need based on normal living expenses. Insurance Mistakes No Insurance The worst mistake you could make concerning life insurance is having a need and not having any insurance at all. Very often, people can find all sorts of excuses for not buying life insurance. Its no fun to plan for your death, for one thing. For another, theres the tendency to think that dying wont happen to you, only to some person you read about in the obituaries. But how many times have you heard about a young, apparently healthy person dying suddenly in a car accident, leaving behind a spouse, a young child, and no insurance? Sadly, it happens, and when it does, the family faces not only emotional trauma but possibly an extremely difficult financial situation, as well. Not Enough Insurance The majority of people with insurance are underinsured. Insufficient coverage can occur as a result of buying what is affordable instead of what is needed. Failure to review your coverage periodically could also result in insufficient insurance, even if you started out with adequate levels. Inflation rates, your career, and your lifestyle may have changed. Your family could be faced with a large financial gap and left unable to maintain the current lifestyle if you died today. Consequences could include loss of the family home, scaling back of college plans, and possibly years of financial difficulty. Too Much Insurance If you purchased a large policy during one point in your life and then didnt adjust your coverage when your insurance need was reduced, it is possible that you have too much life insurance. this is another good reason to periodically review your coverage with your financial planning professional. Periodic reviews of your insurance coverage can reveal opportunities to change your levels of coverage to match your current and projected needs. Nowà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦review your coverageà ¢Ã¢â€š ¬Ã‚ ¦Ãƒ ¢Ã¢â€š ¬Ã‚ ¦ Trying to figure out how much life insurance is enough isnt always easy, and that amount will likely change with your changing circumstances. By examining your familys anticipated expenses during various periods after your death, you get a more realistic estimate of your life insurance needs. Unfortunately, many people underestimate their insurance needs and are under-insured. Often, the purchase of life insurance is based on cost instead of whats needed. By the same token, its possible to have more insurance than you need. You may have purchased a large policy during a particular point in your life, and then didnt adjust your coverage when your insurance need was reduced. Both of these circumstances are reasons to review your insurance coverage periodically with your financial professional. Doing so can reveal opportunities to change your levels of coverage to match your current and projected life insurance needs. Determining the Need for Life Insurance/ How Much is Enough? (A General Concept) HUMAN LIFE APPROACH The present value of the familys share of the deceased breadwinners future earnings. The human life value concept deals with human capital. Human capital is persons income potential. The Human Life Value approach uses mathematical computation to determine how much life insurance is needed by valuing a human life. The Human Life Value approach considers the human being to be an income-producing machine. It is a device that mathematically converts your output into an amount of cash, your expected income until retirement. It determines the value today of cash that is flowing out in the future. This method focuses on an individuals future stream of income. It considers such things as annual salary and expenses, years remaining until retirement, and the future value of current rupees and translates this into an amount of insurance needed to replace the income stream in the event of premature death. What is your Human Life Value ? Beyond all doubt, your life is invaluable. Yet, there is a certain worth that can be attributed to the financial support you offer your parents, spouse or children. This worth is referred to as Human Life Value (HLV). In the future, if your family does not have the protective blanket of your presence, they will no longer be able to enjoy the benefits of the income you earned. Put simply, Human Life Value is the present value of your future earnings. Why should you calculate your Human Life Value ? You should calculate your Human Life Value so you can accordingly invest in insurance plans that provide your family with adequate finances and hence security even in your absence. The human life value concept goes beyond numbers and considers the entire impact caused by the loss of a human life and the value to a persons loved ones. How much are your tomorrows worth? What is your Potential Earning Power (PEP) HLV of any person can be measured by capitalized value of that part of his income or income earning capacity devoted or meant for dependants arising out of economic forces incorporated within his being, like character, health education, training, experience and ambition. For better understanding let us see some illustrations. Illustration Mr. X :- Age-40 yrs, Retirement age-60 yrs, Current salary-3,00,000 per annum (expected to remain same), Personal expenses-1,25,000, Net contribution to family-1,75,000 (300000 125000). Suppose he dies at the age of 40. Income lost by the family-175000 * 20 yrs (60 40) * discount rate for 20 yrs (Present value factor): 19,00,000. Illustration Mr. Y :- Age-30 yrs, Age of spouse-27 yrs, Life expectancy of spouse-70 yrs, Age of child-3 yrs, Childs share of monthly household expenditure-10 %, Child will remain dependant till-22 yrs, Monthly household expenditure Rs. 40,000, Out of this, amount spent on Mr. Y Rs. 10,000. Expected inflation in household expenditure 5 %, Money to be set aside for childs education (in present value terms) Rs. 10,00,000. Money to be set aside for childs marriage/ other needs (in present value terms) Rs. 7,50,000. Outstanding loans Rs. 15,00,000. Other liabilities Rs. 5,00,000. Medical expenditure/ emergency fund Rs. 5,00,000. Rate of return on low risk securities/ deposits 8 %. Hence, HLV will be Rs. 1,66,45,475. If the rate of return on low risk securities/ deposits is 7 %, Revised HLV will be Rs 1,81,83,996. How do you determine your Human Life Value ? This approach is about determining how much insurance is needed and is based simply on how much income the proposed insured earns. All individuals who have financial dependants need life insurance. Factors to be taken into consideration while calculating HLV are age, current and future expenses and current and future income. The formula is; Annual Income / Interest Rate = Lump Sum (The Human Life Value). Illustration If the annual income of the primary wage-earner is Rs.30,000, the total amount of insurance needed would be (assuming a nominal rate of interest of 8% and a long-term inflation rate of 3%, the real rate of interest is 5%): Rs. 30,000 à ·.05 = Rs.600,000 (human life value = amount of insurance required) If Rs.600,000 is invested at 5%, the return will be Rs.30,000 annually. Thus, the family of the insured has, in economic terms, would replace the income-earning value of the life lost through a policy with a Rs.600,000 death benefit. Illustration An insured makes Rs.42,000 a year and the current interest rate is 3.4%. She has a generous policy plus disability benefits that pay 70% of her salary. How much life insurance does she need based on capitalization of income? A. Rs. 1428 B. Rs. 12352.94 C. Rs. 1,42,800 D. Rs.1,235,294.10 There are different school of thoughts and approaches for purchasing and calculating the needs of life insurances, which say as under : One should purchase insurance worth 5 to 10 times the current annual income. This is an old thumb rule that does not take into consideration current assets and any special needs the customer or their family may have. Thus, When ones annual income is known, the insurance need is calculated simply as annual income multiplied by the number of years to service left. Ones yearly outgo towards Insurance premium should be 10% of ones annual Income. Thus, Life insurance need is, the financial need analysis approach. This is an approach which can take care of specific needs of an individual. Here, the basic objective is that the insurance coverage should be sufficient to provide for the dependants needs in case the breadwinner dies early. Steps for Calculating Human Life Value Approach In the human life value approach, the first step is to find the amount of annual income that is surplus to the individual. The surplus is the amount above what the insured would consume himself; which provides the overall standard of living for the individual and the family. The surplus includes amounts spent on education for children, automobiles, vacations, clothing, and food for everyone in the family except him. The items to include in costs of self-maintenance are any money spent on his portion of housing, his clothing, food, the portion of his salary that goes for FICA, federal, state, and local taxes, and all other expenses to maintain the insured as a productive asset. The next part of the human life value approach involves plugging the given information into the mathematical model and calculating the answer. To determine the surplus, subtract the self-maintenance expenses from the average income. Exhibit 2 : Steps for Calculating Human Life Value Approach Weaknesses of the Human Life Value Approach Other sources of income are ignored, (e.g., business earnings), it is calculated by using a constant income stream over the life of the insured since it is difficult to know what increase in income is probable. It ignores the number of years that income (mentioned above) will be required; a person aged 25 and a person aged 65 would appear to require the same amount of coverage. In its simplest form, work earnings and expenses are assumed to be constant and employee benefits are ignored. The amount of money allocated to the family can quickly change because of divorce, birth of child, or death of a family member. The effects of inflation on earnings and expenses are ignored. Points to Ponder : One, HLV is a moving target and to make it meaningful, you must review it once a year. Rather than chasing the revised HLV year after year, the aim should be to get the broad trend right with the expectation that in the long-term, the actual and estimate will converge. Two, do not get overawed by the HLV numbers thrown up. The `number is just a starting point and must be put into the context of your present ability to set aside money. Three, remain disciplined in the sense that at any point in time you should have planned in such a manner that in your absence, your family will not need to compromise on their yet-to-be fulfilled needs. NEEDS APPROACH It is a method of calculating how much life insurance is required by an individual/ family to meet their needs (expenses) if the family head dies. These include things like funeral expenses, legal fees, estate and gift taxes, business buyout costs, probate fees, medical deductibles, emergency funds, mortgage expenses, rent, debt and loans, college, child care, private schooling and maintenance costs. This approach contrasts the human-life approach. The needs approach is a function of two variables: How much will be needed at death to meet obligations ? How much future income is needed to sustain the household ? When calculating your expenses, it is best to overestimate your needs a little. By doing this you will be buying and paying for a little more insurance than you need, but if you underestimate, you wont rea

Indigenous People of the Congo Essay -- Anthropology, Mbuti, Culture

The Congo is the home to a nomadic group of hunters-gatherers known as the Mbuti. The Mbuti are one of the oldest indigenous people of the Congo region of Africa. The Mbuti is an egalitarian society, and the band is their highest form of socialization. Bands are based on principles of teamwork and sharing. The bands are composed of about fifteen to sixty families. The Mbuti reside in the Ituri forest, a tropical rainforest in the northern part of the Congo River Basin. The forest is named after the Ituri River. The Mbuti have lived in the rainforest for more than six thousand years. According to Turnbull (1968), â€Å"The first recorded reference to the Mbuti dates back to a story of an expedition to the area by Egyptians around 2250 B.C. where the Mbuti were referred to as people of the trees.† The Mbuti see the forest as mother and father and themselves as its children. The Mbuti life cycle consists of birth, puberty, marriage, and death. Each transition corresponds with the defining child, youth, adult, and elderly age groups. Mbuti make three very significant transitions in life from childhood which includes birth, to youth including puberty, to adulthood containing marriage, and finally old age which eventually leads to death. The roles and duties found within each age group are important because personal identity is defined by Mbuti’s role in society. The term BaMbuti refers to all the different cultures within the Ituri forest. The forest region has rivers and lakes, and also has a high amount of rain. The dry season is short, and lasts one to two months. The country’s capital and larges... ...d propagating the Catholic faith and took Congolese to Portugal for study. The first missionary group arrived in 1491 and consisted of Franciscan and Dominican priests (Democratic Republic of the Congo, 2007) The Congo king was baptized and a large church was built at the royal capital, which was renamed San Salvador. The King’s son was concerted and sent away for training to eventually put the Catholic Church in power for many years. However, the Yaka invasion of the 16th century shook the kingdom. Toward the end of the century, traders who began buying and selling slaves drove missionaries out of the country. In the 19th century when the Belgians arrived there was not a trace left of this once influential kingdom or the two and one-half centuries of Catholic evangelism and church planting (Riddle, & McGavran, 1979).

Second Foundation 5. Fourth Interlude

The two Speakers passed each other on the road and one stopped the other. â€Å"I have word from the First Speaker.† There was a half-apprehensive flicker in the other's eyes. â€Å"Intersection point?† â€Å"Yes! May we live to see the dawn!† There was no sign in any of Channis' actions that he was aware of any subtle change in the attitude of Pritcher, and in their relations to each other. He leaned back on the hard wooden bench and spread-eagled his feet out in front of him. â€Å"What did you make of the governor?† Pritcher shrugged: â€Å"Nothing at all. He certainly seemed no mental genius to me. A very poor specimen of the Second Foundation, if that's what he was supposed to be.† â€Å"I don't think he was, you know. I'm not sure what to make of it. Suppose you were a Second Foundationer,† Channis grew thoughtful, â€Å"what would you do? Suppose you had an idea of our purpose here. How would you handle us?† â€Å"Conversion, of course.† â€Å"Like the Mule?† Channis looked up, sharply. â€Å"Would we know if they had converted us? I wonder- And what if they were simply psychologists, but very clever ones.† â€Å"In that case, I'd have us killed rather quickly.† â€Å"And our ship? No.† Channis wagged a forefinger. â€Å"We're playing a bluff, Pritcher, old man. It can only be a bluff. Even if they have emotional control down pat, we – you and I – are only fronts. It's the Mule they must fight, and they're being just as careful of us as we are of them. I'm assuming that they know who we are.† Pritcher, stared coldly: â€Å"What do you intend doing?† â€Å"Wait.† The word was bitten off. â€Å"Let them come to us. They're worried, maybe about the ship, but probably about the Mule. They bluffed with the governor. It didn't work. We stayed pat. The next person they'll send will be a Second Foundationer, and he'll propose a deal of some sort.† â€Å"And then?† â€Å"And then we make the deal.† â€Å"I don't think so.† â€Å"Because you think it will double-cross the Mule? It won't.† â€Å"No, the Mule could handle your double-crosses, any you could invent. But I still don't think so.† â€Å"Because you think then we couldn't double-cross the Foundationers?† â€Å"Perhaps not. But that's not the reason.† Channis let his glance drop to what the other held in his fist, and said grimly: â€Å"You mean that's the reason.† Pritcher cradled his blaster, â€Å"That's right. You are under arrest.† â€Å"Why?† â€Å"For treason to the First Citizen of the Union.† Channis' lips hardened upon one another: â€Å"What's going on?† â€Å"Treason! As I said. And correction of the matter, on my part.† â€Å"Your proof? Or evidence, assumptions, daydreams? Are you mad?† â€Å"No. Are you? Do you think the Mule sends out unweaned youngsters on ridiculous swashbuckling missions for nothing? It was queer to me at the time. But I wasted time in doubting myself. Why should he send you? Because you smile and dress well? Because you're twenty-eight.† â€Å"Perhaps because I can be trusted. Or aren't you in the market for logical reasons?† â€Å"Or perhaps because you can't be trusted. Which is logical enough, as it turns out.† â€Å"Are we matching paradoxes, or is this all a word game to see who can say the least in the most words?† And the blaster advanced, with Pritcher after it. He stood erect before the younger man: â€Å"Stand up!† Channis did so, in no particular hurry, and felt the muzzle of the blaster touch his belt with no shrinking of the stomach muscles. Pritcher said: â€Å"What the Mule wanted was to find the Second Foundation. He had failed and I had failed, and the secret that neither of us can find is a well-hidden one. So there was one outstanding possibility left – and that was to find a seeker who already*** knew the hiding-place.† â€Å"Is that I?† â€Å"Apparently it was. I didn't know then, of course, but though my mind must be slowing, it still points in the right direction. How easily we found Star's End! How miraculously you examined the correct Field Region of the Lens from among an infinite number of possibilties! And having done so, how nicely we observe just the correct point for observation! You clumsy fool! Did you so underestimate me that no combination of impossible fortuties struck you as being too much for me to swallow?† â€Å"You mean I've been too successful?† â€Å"Too successful by half for any loyal man.† â€Å"Because the standards of success you set me were so low?† And the blaster prodded, though in the face that confronted*** Channis only the cold glitter of the eyes betrayed the growing anger: â€Å"Because you are in the pay of the Second Foundation.† â€Å"Pay?†- infinite contempt. â€Å"Prove that.† â€Å"Or under the mental influence.† â€Å"Without the Mule's knowledge? Ridiculous.† â€Å"With the Mule's knowledge. Exactly my point, my you dullard. With the Mule's knowledge. Do you suppose else that you would be given a ship to play with? You led us to the Second Foundation as you were supposed to do.† â€Å"I thresh a kernel of something or other out of this immensity of chaff. May I ask why I'm supposed to be doing all this? If were a traitor, why should I lead you to the Second Foundation? Why not hither and yon through the Galaxy, skipping gaily, finding no more than you ever did?' â€Å"For the sake of the ship. And because the men of the Second Foundation quite obviously need atomic warfare for self-defense.† ‘You'll have to do better than that. One ship won't mean thing to them, and if they think they'll learn science from it a build atomic power plants next year, they are very, very simple Second Foundationers, indeed. On the order of simplicity as yourself, I should say.† â€Å"You will have the opportunity to explain that to the Mule.† â€Å"We're going back to Kalgan?† â€Å"On the contrary. We're staying here. And the Mule will join us in fifteen minutes – more or less. Do you think he hasn't followed us, my sharp-witted, nimble-minded lump of self-admiration? You have played the decoy well in reverse. You may not have led our victims to us, but you have certainly led us to our victims.† â€Å"May I sit down,† said Channis, â€Å"and explain something to you in picture drawings? Please.† â€Å"You will remain standing.† â€Å"At*** that, I can say it as well standing. You think the Mule followed us because of the hypertracer on the communication circuit?† The blaster might have wavered. Channis wouldn't have sworn to it. He said: â€Å"You don't look surprised. But I don't waste time doubting that you feel surprised. Yes, I knew about it. And now, having shown you that I knew of something you didn't think I did, I'll tell you something you don't know, that I know you don't.† â€Å"You allow yourself too many preliminaries, Channis. I should think your sense of invention was more smoothly greased.† â€Å"There's an invention to this. There have been traitors, of course, or enemy agents, if you prefer that term. But the Mule knew of that in a rather curious way. It seems, you see, that some of his Converted men had been tampered with.† The blaster did waver that time. Unmistakably. â€Å"I emphasize that, Pritcher. It was why he needed me. I was an Unconverted man. Didn't he emphasize to you that he needed an Unconverted? Whether he gave you the real reason or not?† â€Å"Try something else, Channis. If I were against the Mule, I'd know it.† Quietly, rapidly, Pritcher was feeling his mind. It felt the same. It felt the same. Obviously the man was lying. â€Å"You mean you feel loyal to the Mule. Perhaps. Loyalty wasn't tampered with. Too easily detectable, the Mule said. But how do you feel mentally? Sluggish? Since you started this trip, have you always felt normal? Or have you felt strange sometimes, as though you weren't quite yourself? What are you trying to do, bore a hole through me without touching the trigger?† Pritcher withdrew his blaster half an inch, â€Å"What are you trying to say?† â€Å"I say that you've been tampered with. You've been handled. You didn't see the Mule install that hypertracer. You didn't see anyone do it. You just found it there, and assumed it was the Mule, and ever since you've been assuming he was following us. Sure, the wrist receiver you're wearing contacts the ship on a wave length mine isn't good for. Do you think I didn't know that?† He was speaking quickly now, angrily. His cloak of indifference had dissolved into savagery. â€Å"But it's not the Mule that's coming toward us from out there. It's not the Mule.† â€Å"Who, if not?† â€Å"Well, who do you suppose? I found that hypertracer, the day we left. But I didn't think it was the Mule. He had no reason for indirection at that point. Don't you see the nonsense of it? If I were a traitor and he knew that, I could be Converted as easily as you were, and he would have the secret of the location of the Second Foundation out of my mind without sending me half across the Galaxy. Can you keep a secret from the Mule? And if I didn't know, then I couldn't lead him to it. So why send me in either case? â€Å"Obviously, that hypertracer must have been put there by an agent of the Second Foundation. That's who's coming towards us now. And would you have been fooled if your precious mind hadn't been tampered with? What kind of normality have you that you imagine immense folly to be wisdom? Me bring a ship to the Second Foundation? What would they do with a ship? â€Å"It's you they want, Pritcher. You know more about the Union than anyone but the Mule, and you're not dangerous to them while he is. That's why they put the direction of search into my mind. Of course, it was completely impossible for me to find Tazenda by random searchings of the Lens. I knew that. But I knew there was the Second Foundation after us, and I knew they engineered it. Why not play their game? It was a battle of bluffs. They wanted us and I wanted their location – and space take the one that couldn't outbluff the other. â€Å"But it's we that will lose as long as you hold that blaster on me. And it obviously isn't your idea. It's theirs. Give me the blaster, Pritcher. I know it seems wrong to you, but it isn't your mind speaking, it's the Second Foundation within you. Give me the blaster, Pritcher, and we'll face what's coming now, together.† Pritcher, faced a growing confusion in horror. Plausibility! Could he be so wrong? Why this eternal doubt of himself? Why wasn't he sure? What made Channis sound so plausible? Plausibility! Or was it his own tortured mind fighting the invasion of the alien. Was he split in two? Hazily, he saw Channis standing before him, hand outstretched – and suddenly, he knew he was going to give him the blaster. And as the muscles of his arm were on the point of contracting in the proper manner to do so, the door opened, not hastily, behind him – and he turned. There are perhaps men in the Galaxy who can be confused for one another even by men at their peaceful leisure. Correspondingly, there may be conditions of mind when even unlikely pairs may be mis-recognized. But the Mule rises above any combination of the two factors. Not all Pritcher's agony of mind prevented the instantaneous mental flood of cool vigor that engulfed him. Physically, the Mule could not dominate any situation. Nor did he dominate this one. He was rather a ridiculous figure in his layers of clothing that thickened him past his normality without allowing him to reach normal dimensions even so. His face was muffled and the usually dominant beak covered what was left in a cold-red prominence. Probably as a vision of rescue, no greater incongruity could exist. He said: â€Å"Keep your blaster, Pritcher.† Then he turned to Channis, who had shrugged and seated himself: â€Å"The emotional context here seems rather confusing and considerably in conflict. What's this about someone other than myself following you?† Pritcher intervened sharply: â€Å"Was a hypertracer placed upon our ship by your orders, sir?† The Mule turned cool eyes upon him, â€Å"Certainly. Is it very likely that any organization in the Galaxy other than the Union of Worlds would have access to it?' â€Å"He said-â€Å" â€Å"Well, he's here, general. Indirect quotation is not necessary. Have you been saying anything, Channis?† â€Å"Yes. But mistakes apparently, sir. It has been my opinion that the tracer was put there by someone in the pay of the Second Foundation and that we had been led here for some purpose of theirs, which I was prepared to counter. I was under the further impression that the general was more or less in their hands.† â€Å"You sound as if you think so no longer.† â€Å"I'm afraid not. Or it would not have been you at the door.† â€Å"Well, then, let us thresh this out.† The Mule peeled off the outer layers of padded, and electrically heated clothing. â€Å"Do you mind if I sit down as well? Now – we are safe here and perfectly free of any danger of intrusion. No native of this lump of ice will have any desire to approach this place. I assure you of that,† and there was a grim earnestness about his insistence upon his powers. Channis showed his disgust. â€Å"Why privacy? Is someone going to serve tea and bring out the dancing girls?† â€Å"Scarcely. What was this theory of yours, young man? A Second Foundationer was tracing you with a device which no one but I have and – how did you say you found this place?† â€Å"Apparently, sir, it seems obvious, in order to account for known facts, that certain notions have been put into my head-â€Å" â€Å"By these same Second Foundationers?† â€Å"No one else, I imagine.† â€Å"Then it did not occur to you that if a Second Foundationer could force, or entice, or inveigle you into going to the Second Foundation for purposes of his own – and I assume you imagined he used methods similar to mine, though, mind you, I can implant only emotions, not ideas – it did not occur to you that if he could do that there was little necessity to put a hypertracer on you. And Channis looked up sharply and met his sovereign's large eyes with sudden startle. Pritcher grunted and a visible relaxation showed itself in his shoulders. â€Å"No,† said Channis, â€Å"that hadn't occurred to me.† â€Å"Or that if they were obliged to trace you, they couldn't feel capable of directing you, and that, undirected, you could have precious little chance of finding your way here as you did. Did that occur to you?† â€Å"That, neither.† â€Å"Why not? Has your intellectual level receded to a so-much-greater-than-probable degree?† â€Å"The only answer is a question, sir. Are you joining General Pritcher in accusing me of being a traitor?† â€Å"You have a defense in case I am?† â€Å"Only the one I presented to the general. If I were a traitor and knew the whereabouts of the Second Foundation, you could Convert me and learn the knowledge directly. If you felt it necessary to trace me, then I hadn't the knowledge beforehand and wasn't a traitor. So I answer your paradox with another.† â€Å"Then your conclusion?† â€Å"That I am not a traitor.† â€Å"To which I must agree, since your argument is irrefutable.† â€Å"Then may I ask you why you had us secretly followed?† â€Å"Because to all the facts there is a third explanation. Both you and Pritcher explained some facts in your own individual ways, but not all. I – if you can spare me the time – will explain all. And in a rather short time, so there is little danger of boredom. Sit down, Pritcher, and give me your blaster. There is no danger of attack on us any longer. None from in here and none from out there. None in fact even from the Second Foundation. Thanks to you, Channis.† The room was lit in the usual Rossemian fashion of electrically heated wire. A single bulb was suspended from the ceiling and in its dim yellow glow, the three cast their individual shadows. The Mule said: â€Å"Since I felt it necessary to trace Channis, it was obvious I expect to gain something thereby. Since he went to the Second Foundation with a startling speed and directness, we can reasonably assume that that was what I was expecting to happen. Since I did not gain the knowledge from him directly, something must have been preventing me. Those are the facts. Channis, of course, knows the answer. So do I. Do you see it, Pritcher?† And Pritcher said doggedly: â€Å"No, sir.† â€Å"Then I'll explain. Only one kind of man can both know the location of the Second Foundation and prevent me from learning it. Channis, I'm afraid you're a Second Foundationer yourself.† And Channis' elbows rested on his knees as he leaned forward, and through stiff and angry lips said: â€Å"What is your direct evidence? Deduction has proven wrong twice today.† â€Å"There is direct evidence, too, Channis. It was easy enough. I told you that my men had been tampered with. The tamperer must have been, obviously, someone who was a) Unconverted, and b) fairly close to the center of things. The field was large but not entirely unlimited. You were too successful, Channis. People liked you too much. You got along too well. I wondered- â€Å"And then I summoned you to take over this expedition and it didn't set you back. I watched your emotions. It didn't bother you. You overplayed the confidence there, Channis. No man of real competence could have avoided a dash of uncertainty at a job like that. Since your mind did avoid it, it was either a foolish one or a controlled one. It was easy to test the alternatives. I seized your mind at a moment of relaxation and filled it with grief for an instant and then removed it. You were angry afterwards with such accomplished art that I could have sworn it was a natural reaction, but for that which went first. For when I wrenched at your emotions, for just one instant, for one tiny instant before you could catch yourself, your mind resisted. It was all I needed to know. â€Å"No one could have resisted me, even for that tiny instant, without control similar to mine.† Channis' voice was low and bitter: â€Å"Well, then? Now what?† â€Å"And now you die – as a Second Foundationer. Quite necessary, as I believe you realize.† And once again Channis stared into the muzzle of a blaster. A muzzle guided this time by a mind, not like Pritcher's capable of offhand twisting to suit himself, but by one as mature as his own and as resistant to force as his own. And the period of time allotted him for a correction of events was small. What followed thereafter is difficult to describe by one with the normal complement of senses and the normal incapacity for emotional control. Essentially, this is what Channis realized in the tiny space of time involved in the pushing of the Mule's thumb upon the trigger contact. The Mule's current emotional makeup was one of a hard and polished determination, unmisted by hesitation in the least. Had Channis been sufficiently interested afterward to calculate the time involved from the determination to shoot to the arrival of the disintegrating energies, he might have realized that his leeway was about one-fifth of a second. That was barely time. What the Mule realized in that same tiny space of time was that the emotional potential of Channis' brain had surged suddenly upwards without his own mind feeling any impact and that, simultaneously, a flood of pure, thrilling hatred cascaded upon him from an unexpected direction. It was that new emotional element that jerked his thumb off the contact. Nothing else could have done it, and almost together with his change of action, came complete realization of the new situation. It was a tableau that endured far less than the significance adhering to it should require from a dramatic standpoint. There was the Mule, thumb off the blaster, staring intently upon Channis There was Channis taut, not quite daring to breathe yet. And there was Pritcher, convulsed in his chair; every muscle at a spasmodic breaking point; every tendon writhing in an effort to hurl forward; his face twisted at last out of schooled woodenness into an unrecognizable death mask of horrid hate; and his eyes only and entirely and supremely upon the Mule. Only a word or two passed between Channis and the Mule – only a word or two and that utterly revealing stream of emotional consciousness that remains forever the true interplay of understanding between such as they. For the sake of our own limits, it is necessary to translate into words what went on, then, and thenceforward. Channis said, tensely: â€Å"You're between two fires, First Citizen. You can't control two minds simultaneously, not when one of them is mine – so you have your choice. Pritcher, is free of your Conversion now. I've snapped the bonds. He's the old Pritcher; the one who tried to kill you once; the one who thinks you're the enemy of all that is free and right and holy; and he's the one besides who knows that you've debased him to helpless adulation for five years. I'm holding him back now by suppressing his will, but if you kill me, that ends, and in considerably less time than you could shift your blaster or even your will – he will kill you.† The Mule quite plainly realized that. He did not move. Channis continued: â€Å"If you turn to place him under control, to kill him, to do anything, you won't ever be quick enough to turn again to stop me.† The Mule still did not move. Only a soft sigh of realization. â€Å"So,† said Channis, â€Å"throw down the blaster, and let us be on even terms again, and you can have Pritcher back.† â€Å"I made a mistake,† said the Mule, finally. â€Å"It was wrong to have a third party present when I confronted you. It introduced one variable too many. It is a mistake that must be paid for, I suppose.† He dropped the blaster carelessly, and kicked it to the other end of the room. Simultaneously, Pritcher crumpled into profound sleep. â€Å"He'll be normal when he awakes,† said the Mule, indifferently. The entire exchange from the time the Mule's thumb had begun pressing the trigger-contact to the time he dropped the blaster had occupied just under a second and a half of time. But just beneath the borders of consciousness, for a time just above the borders of detection, Channis caught a fugitive emotional gleam in the Mule's mind. And it was still one of sure and confident triumph.

Modern Day Frankenstein

In this article, I am to create a whole new version of Frankenstein from the old version made by Shelley.Dr. Baltus Crane is a genius genetic doctor; he is a member of the genetic scientists who makes researches about developing human clones. It was a life of fame for him being such part of the organization but he chose to part from it because the other members could not agree with his idea of making a clone complete human-like creature.  This idea came up to him because of his observation that clones are just a machine or robot-like things which will genetically inherit a cloned person’s genetic composition.Dr Crane started to do his project isolating himself on a far island, he made his research about how human show emotion and how they express affection to make a clone perfectly human. The later genetic doctor created his called â€Å"obra†Ã‚  Ã‚   with the help of his best friend Gene.  Through out the scientific invention, Dr Crane made sure that the clone†™s brain is totally developed as to function for executing commands and to know how to express emotions. The clone was named Genin which is an abbreviation for the word genetic invention; Genin is indeed perfect for Dr Crane because she is able to act as a solid human without any clue that she was just a clone.After the long span of time that Dr Crane is far away from home, he then decided to visit his left family and stay for a while leaving his scientific product alone in the island. He went home to see his family and his wife but as he was to knock the door, no one opened. He entered his home to find out that his wife Sarah is already dead; was killed by a weird woman whom they have not yet seen before.  Dr Crane decided to go back to the island since there is no longer a reason for him to stay in their home because his wife was already dead. His best friend Gene was always there to console him and give him the support he needed. They both went back to the island seeing Genin waiting for them at the front yard. Genin seeing the two together acting like couples made her mad so she went inside of the house.Dr Crane started to busy himself for new further genetic researches and lost his time to give Genin the attention she wanted from her creator. Genin was then jealous of Gene who’s the only one allowed of disturbing Crane. She always watches them as they burn themselves out working hard for the new research but then she can no longer hold her temper.Genin will kill Gene the day that Dr Crane get out of the house to do an important work in the city, after killing Gene, Genin decided to acquire her freedom. Wondering in the city, Genin thought of how much her creator meant to her that she could not stand seeing him with another woman or not seeing him at all and so she decided to go back to him.Dr Crane was captured accusing him to be responsible for the death of his best friend Gene who was found dead at his laboratory. Right then Crane ought to fi nd and destroy his invention to stop the crime earlier.  In the city, Crane saw Genin wondering around watching the city lights and approached her, seemingly innocent, Genin admitted what she had done and why she had done such thing to the women that her creator so loved.Crane realized that his creation was indeed almost perfect because she acts like a woman or a real person and she can express emotions but then she was not initialized regarding moralities and how to control her self in relation to her emotions. Because Dr Crane had no choice, he let out the knife he hid inside his pocket and stabbed Genin’s heart the moment she was close to him. Before Genin totally loss her breath, she told his creator that she was thankful he made her and that she was able to feel that she is a human even for a while.Crane was taken to jail and acquired a severe illness that caused him to suffer and eventually died; he admitted that he killed his created clone but still stand out that he was innocent about his best friend’s death.  The police conducted an investigation in Dr. Crane’s laboratory finding his diary into where he wrote all the details in his life regarding his works and other genetic researches.Explanation:In this story, Victor Frankenstein was depicted in the role of Dr. Baltus Crane wherein the monster-like that he created was a clone named Genin. Genin in this story depicts Frankenstein who killed Sarah as Baltus’ wife or in the story of Frankenstein was William who in the story is victor’s brother. The character that depicts Victor’s friend Henry was characterized as Gene in this story.  The central crime that will cause the two characters to be murdered by the clone is the jealousy that the clone felt whenever a certain woman gets closer to the doctor.This story could shock the readers by simply thinking if it is really possible to create a human clone that will definitely be like a perfect human-like being. It can also shock the readers through the question; is it possible to train a clone regarding how to feel certain emotions and showing of affection which will make them indistinguishable from a real human to a man-made man?  Since there is no witness left to tell the story and evidence are the only things left, it would be necessary to have a narrator in this story.ReferenceShelley, M. (1818). Frankenstein [Electronic Version] from http://www.sparknotes.com/lit/frankenstein/facts.html.