Saturday, December 28, 2019

Bankruptcy Card Debts Young Executives Example For Free - Free Essay Example

Sample details Pages: 4 Words: 1268 Downloads: 2 Date added: 2017/06/26 Category Finance Essay Type Cause and effect essay Did you like this example? Background of the study The raise of credit card ownership and usage has been devastating around the globe. A credit card is a system of payment named after the small plastic card issued to users of the system and is different from a debit card in that it does not remove money from the users account after every transaction. The increasing of the credit card due to many reasons which one of it stated by Watkins (2000), which is credit card becomes one of the main systems of transaction or payments that encourage domestic and personal spending even in many developing countries of the world (as cited in Ahmed, U.Z., Ismail I., Sohail, M. Don’t waste time! Our writers will create an original "Bankruptcy Card Debts Young Executives Example For Free" essay for you Create order S., Tabsh, I., Hasbalaila, A. 2010). In the case of credit cards, the issuer lends money to the consumer or the user for the usage of the credit cards. Besides, a credit card allows the consumer to rotate their balance, and having the interest charged at top of it. A review of literature on credit card reveals that most studies have been undertaken in developed country. Credit cards were first issued in the USA in the early twentieth century. In Malaysia, the first card was introduced in the mid-1970s (Loke. 2007; as cited in Ahmed, U.Z et al., 2010). At the early on period, credit cards were only issued to professionals or successful businesspersons by card issuing companies. However, with the passage of time, eligibility criteria for obtaining credit cards have been changed because credit cards are now easily obtained by individuals regardless of their income or other measures of financial well being. As a result, the number of cardholders reached to about three million by the turn of the last century (Ahmed, U.Z et al., 2010).The market for consumer credit has undergone significant change over the past few decades. This because there is deregulation of the banking industry and the need of lenders for more profit-making market instruments increased the availability of consumer credit in the form of credit cards. Therefore, increasing in credit card ownership means that the use of credit cards as short term loans has increased as well. Besides that, the increase of credit card has brought many side effects to the users especially for the young executives. This is because credit card influence them in making the excessive spending because it easier and convenient for user to pay with credit card rather than bring the cash with them. As a result, in the year March 2009, outstanding debts from credit card holders amounted to RM15.719 billion were reported. Then, by the year 2009 outstanding credit card debts accounted for 1.35 percent of the total loans o utstanding or 11.41 percent of the total consumer credit (Bank Negara Malaysia, 2009; as cited in Ahmed, U.Z et al., 2010). Thus, its shows that increase in the number of credit card holders seeking bankruptcy records over the years were also reported. The people below 30 are the leading aged group that has been declared bankrupt because of credit card debts (Credit Card Debt And You: Under-30s Under Siege ,Malay Mail Insight, 2009). Problem statement According to Datuk Abdul Karim Abdul Jalil, Director-General of the Department of Insolvency Malaysia there is total of 3,548 people declaring bankruptcy due to the credit card debt whereby 1,780 people belong to those aged 30 and below (Credit Card Debt And You: Under-30s Under Siege ,Malay Mail Insight, 2009). YEAR TOTAL BANKRUPTCY TOTAL BANKRUPTCY BELOW 30 YEARS PERCENTAGE 2005 733 362 49.39% 2006 285 132 46.32% 2007 1,011 564 55.79% 2008 1,065 513 48.17% 2009 (As of May) 454 209 46.04% Total 3,548 1,780 Table 1.1: Number of Malaysian below 30 declaring bankruptcy due to credit card debts (Sources: Bank Negara Malaysia, 2009, as cited in Malay Mail Insight, June 15th, 2009). Table 1.2: Graph show number of Malaysian below 30 declaring bankruptcy due to credit card debts (Sources: Bank Negara Malaysia, 2009, as cited in Malay Mail Insight, June 15th, 2009) Tables 1.1 and 1.2 indicate t he number of bankruptcy due to credit card debts focused on the young executives aged below 30. The researches found that from year 2005 until May 2009, more than 46% of the bankruptcy was experienced by the people aged below 30. The above figure shows the seriousness of this bankruptcy problem due to credit card debts among the young executives happen within 5 years. Besides that, as stated by Datuk Abdul Karim, there are many reasons for the situation occurs but there is no serious study of the matter has yet been done. (Credit Card Debt And You: Under-30s Under Siege, Malay Mail Insight, 2009). Therefore, researchers found the great base to conduct this study. 1.2 Research Objectives To identify the relationship between the factor of knowledge on credit card and bankruptcy, financial management, and lifestyles towards the bankruptcy due to credit card debts among young executives. To identify which factor (knowledge on credit card and bankruptcy, financial management and lifestyles) that contribute most to the bankruptcy due to credit card debts among young executives. 1.3 Scope of research 1.3.1 Territory This research will be conducted in Sungai Petani area, namely at Central Square, Tesco Utara, Tesco Selatan and Giant hypermarket. Time The research conducted from March 2011 until April 2011. Level The research focused on public opinion on factors contributed to the young executives bankruptcy due to credit card debts. Research was conducted among respondents ages 18 years until 30 years old. Significance of research 1.4.1 Young executives The result of the research can provide the information to young executives about the factor that lead to the increase number of bankruptcy due to credit card debts within their aged. Besides, it can educate them in order to make a greater planning by using the credit card in their daily lives. 1.4.2 Public The result of the research can help public to know about the right way of using the credit card so that they can be more careful in using the credit card. Thus, it can avoid them from being declared as bankruptcy because of credit card debts. Limitation Limited literature review because there is not much study this issue. Therefore it quite difficult for the researches in order to finds the appropriate article to review and support the research. The result of this research will not represent the whole public opinion on this issue because the research only done at Sungai Petani area and not throughout Malaysia. 1.6 Definition terms and concept Credit card bankruptcy According to Datuk Haji Mohamad bin Haji Aziz stated in copies of the Third Meeting of the Twelfth Board of the Parliament (2010), he stated that the Malaysian young executives declaring bankruptcy because of unable to pay the credit cardà ¢ÃƒÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ÃƒÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¾Ãƒâ€šÃ‚ ¢s debts .This can be concluded that, bankruptcy due to credit card debts is mostly because of inability to pay back their debts. Therefore, the same definition used in this research. Knowledge on credit card Knowledge on credit card bankruptcy Financial management Joyce K.H. Nga, Lisa H.L. Yong and Rathakrishnan D. Sellappan (2009) stated that financial literacy has been defined as the competence to undertake rational, informed judgments pertaining to money management (as cited in Worthington, 2006). This includes the general understanding on budgeting, conceptual knowledge of financial products offerings by financial institutions and ability t o make responsible investments to facilitate the achievement of oneà ¢ÃƒÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¡Ãƒâ€šÃ‚ ¬ÃƒÆ' ¢Ãƒ ¢Ã¢â€š ¬Ã… ¾Ãƒâ€šÃ‚ ¢s financial goal (Macy, 2001; Beal and Delpachtra, 2003; as cited in Worthington, 2006). General financial awareness concepts surveyed in this study. Hence, this research will go through the same definition in term of the financial management among the young executives. Lifestyle 1.6.6 Young executives G.M. Mirchandani (2000), President of Arvind Brands Limited segmented and targeted his customer into categories which are teenagers and young executives. He defined that the young executive is the young people that aged below 30.In this research, the researcher defined the young executive just like G.M. Mirchandani, which are people below aged 30.

Thursday, December 19, 2019

Essay on Heroes in the Iliad - 1113 Words

Throughout The Iliad, the heroic characters make decisions based on a definite set of principles, which are referred to as the code of honor. The heroic code that Homer presents to the reader is an underlying cause for many of the events that take place, but many of the characters have different perceptions of how highly the code should be regarded. Hektor, the greatest of the Trojan warriors, begins the poem as the model of a Homeric hero. His dedication and strict belief in the code of honor is illustrated many times throughout the course of The Iliad. An example of this is presented in book three of the poem, where Hektor reprimands Paris for refusing to fight. He says to Paris, Surely now the flowing-haired Achains laugh†¦show more content†¦You yourself would fight with another whom you saw anywhere hanging back from the hateful encounter, (6:327). Paris agrees that he has been dishonoring himself, and tells Hektor he will return with him to fight. Hektor then goes to f ind Andromache, who is standing by the walls outlining the battlefield with Astanax, their son. When Andromache pleads with Hektor to stay home and cease fighting, Hektor refuses, telling her that he would feel deep shame in front of the Trojans if he were to withdraw himself from the war. Hektor then tells Andromache that the thought of her being dragged off by the Achains troubles him, but he is relieved by the knowledge that she will be looked at as the wife of Hektor, who was ever the bravest fighter of the Trojans, breakers of horses, in the days when they fought about Ilion, (6:460). This causes Andromache to shed tears. On the one hand, she understands Hektors beliefs and deep sense of morality, but on the other feels it is just as honorable to stay home and care for ones family. This is a second place in which Hektor feels torn between two conflicting responsibilities. A characters social status was mainly based upon his performance in the battlefield. Achilleus is a tragic figure who believes strongly in social order, but questions the idea of fighting for glory. When Aias and Odysseus are sent by Agamemnon to plead with Achilleus to fight for the Greeks, Achilleus denies them, saying ThereShow MoreRelatedThe Iliad and Greek Heroes1500 Words   |  6 PagesThe Iliad is an epic tale of war and heros within the Greek way of life. A predominant and consistent theme of honor and glory reside throughout the poem. The motivation for any Homeric Greek is glory, or Kleos, that is to be honored and respected among their people. Emphasis is put on living by the heroic code. Honor is essential to the Greeks and life would not be worth living without it. 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Honor is essential to the Greeks and life would not be worth living without it. When a warrior or hero is advised to avoid risking their life in battle it almost drives themRead MoreThe Iliad, A Homeric Epic That Depicted The Age Of Heroes987 Words   |  4 Pages The Iliad, a Homeric epic that depicted the Age of Heroes in Archaic Greece. An age of giant, god-like, men, and a time of true heroism. The themes of the Iliad encompass a realm consisting of the principles of justice, vengeance, and honour in Achaean society. A monumental theme that Homer brought through the Iliad was the idea of Greek Shame culture, which Involved public praise and blame, to honor and shame one before others in one s society. The assemblies, called by the Achaean commandersRead MoreTragic Heroes of The Iliad and Oedipus Rex Analysis749 Words   |  3 Pagesonly in the man, but in the occasion† (brainyquote.com). Heroes are among one of the most popular literary figures of all time. 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The assemblies, called by the Achaean commanders, whereRead MoreHector and Achilles as Classic Heroes of Homers Iliad Essay983 Words   |  4 Pages Hector and Achilles as Classic Heroes of Homers Iliad nbsp; nbsp; nbsp; Literary heroes have been important to stories and poems throughout history. Each author develops his hero through a unique writing style, combining conscious use of detail, diction, tone and other narrative techniques to outline a heros personality. Homer, in his epic poem The Iliad, develops two classic heroes who are distinctly different at first glance, but upon closer inspection are very similar in

Wednesday, December 11, 2019

Cognitive Development in Adolescents

Question: Discuss about the Cognitive Development in Adolescents. Answer: Introduction The lifespan perspective that I chose was adolescence which refers to the transitional phase from childhood to adulthood between the ages of 13 and 19 and the developmental characteristics that accompany these stage. Adolescents experience cognitive development characteristics and as presented by Jean Piaget in his theory of cognitive development, they include hypothetic-deductive reasoning which refers to the ability of the adolescent to think abstractly in a logical and scientific approach. The other characteristic is the imaginary audience awareness whereby the adolescents awareness of others is heightened and acquires the habit of observing, interpreting and judging others (Crain, 2015). Bronfenbrenners ecological theory has an impact on these characteristics in that the microsystem, the exosystem the mesosystem, and the macrosystem directly influence the cognitive development of an adolescent. The essay will discuss on hypothetic- deductive reasoning and imaginary audience aware ness development characteristic in adolescents. Lifespan of Perspectives The lifespan of the adolescents perspectives begins at the onset of puberty which is the early stage of adolescence and is carried forward for a long-term period of time that extends to the early adulthood or emerging adulthood. Emerging adulthood refers to the stage between adolescence and the full-fledged adulthood phase. It is usually between the ages of 18-25 where adolescents begin to explore various life possibilities and become more independent from their parents (Arnett, 2014) Hypothetic- deductive Reasoning During the lifespan perspective of adolescents, they experience hypothetic-deductive reasoning which entails thoughts about propositions that reflect on reality and imaginations then making inferences about the imagined incidences and finally interpreting the repercussions of the imagined affairs (Heckhausen and Schulz, 2015). There are mental simulations involved that help to explore the casual knowledge about the real world and puts into place the conditions and possibilities specified in the mental demeanor of an alternative existence and finally enables the adolescent to establish the possible outcome of their intended actions. According to Piaget in his theory of cognitive development, adolescents are capable of forming various hypotheses about reality and going ahead to test them out(Mahoney, 2015). The hypothetic-deductive model, lets the adolescent expect all logical consequences of acting on an imagined hypothesis. Adolescents can, therefore, reason systematically and object ively and estimate the various variables that may influence the possible outcomes. This theory helps us understand the unique way by which their imagination is based on an abstract reasoning system that brings about the hypothetical deductions and logical reasoning pertaining to a systematic objective of considerablepossible results (Labouvie, 2015). According to the research conducted by Rosa and Tudge(2013), the ability of hypothetic- deductive reasoning gives an individual the ability to solve problems by handling part of the problem. For instance, if an individual enters a dark room and tries to switchthe lights on which are not functional, the person makes the assumption that the bulb is not working. However after inserting the new bulb and still does not light, he will check if the light is plugged in, this is exactly how hypothetic- deductive reasoning works which are part of the developmental characteristics of adolescents. Impact of Bronfenbrenners Theory on Hypothetic-deductive Reasoning According to Bronfenbrenner's theory, adolescents cognitive development characteristics are greatly influenced by the environment one lives in as explained by Urie Bronfenbrenner in his ecological systems theory. Bronfenbrenners macrosystem is the most far-fetched and largest set of people to an adolescent and it entails matters such as the relative levels of freedom allowed by the authorities, cultural values or the economy. These factors can influence the adolescents hypothetic-deductive reasoning characteristic because they will have to put these ecological factors into consideration as they form an abstract hypothesis and deduce the possible results and consequences of their imagined reality (Shaffer and Kipp, 2013). Imaginary Audience Awareness The other cognitive developmental characteristic experienced by adolescents in their lifespan perspective is the imaginary audience awareness whereby an adolescent develops a new awareness of those around them due to the changes taking place in their bodies. It is an egocentric state where the adolescent imagines and feels that they are under the scrutiny of other people and this makes them be very self-conscious. Through their observations and interpretations of other peoples behavior, appearance, comments, and expressions they make reasonable conclusions regarding what the next person is thinking about or feeling(Arnett, 2014). In his theory, Piaget described egocentrism as confusion between the adolescents ego and the external world. He said that it features the cognitive characteristic whereby the person is not able to differentiate between their own preoccupations pertaining to self and what the others are really thinking of them. This theory helps us to understand the reasons a s to why during puberty, the early adolescence stage, egocentrism is highly influential on the social cognition of an adolescent (Weil, Fleming, Dumontheil, Kilford, Weil, Rees, Dolan, and Blakemore, 2013). Bronfenbrennersexosystem refers to all the people that an individual rarely interacts with but still has a large impact on them. These persons could be the entire neighborhood or the extended family members. The Microsystems is the adolescents immediate environment that comprises of the nuclear family, the church or the school. Additionally, the mesosystem refers to the different parts of the adolescents microsystem that work hand in hand for the sake of the adolescent (Blakemore, 2013). These ecological systems form the imaginary audience that the adolescent thinks that are constantly watching them and as a result, they become self-conscious and ego-centric (Berk, and Meyers, 2015). Therefore, the ability of an adolescent to develop appropriately will substantially depend on the environment. In addition, Labouvie (2015) argues that the imagery audience is a sensitive understanding of others which gives an individual the ability to make a concise judgment, observe, and interpret events. In adolescents, this characteristic develops over time as their bodies are changing. In this case, adolescents feel the analysis from others making them develop the same scrutiny towards other. Further, this trait makes adolescents start comparing themselves to others which make them develop the ability to notice their strengths and weaknesses (Larson, Uthando, and Armstrong, 2014). The theory of cognitive development by Piaget helps us to understand how an adolescent creates an abstract model of the world and how their perspectives are influenced by changes taking place in their bodies and their interaction with the environment. His theory has triggered thorough research in an attempt to gain a better understanding of adolescence cognitive development. A collaborative research study called the Adolescent Brain Cognitive Development (ABCD) study helps us understand the many factors that disrupt or enhance an adolescents intellectual growth. With the help of recent advances in technology, such studies can explore the environmental and biological factors that have an impact on adolescents cognitive development by incorporating functional and structural brain development, neuropsychology, behavioral and health assessments of the young people. As a result, we gain an understanding of the dramatic changes taking place in adolescents cognitive development by linking t he genetic and environmental impacts on their intellectual and brain development. Conclusion To sum up, the cognitive developments in an adolescent are the hypothetic-deductive reasoning and the imaginary audience awareness which can be explained using Piagets theory of cognitive development in adolescents. This theory together with extensive research studies helps us to understand the nature of hypothetical thinking of an adolescent and to come to terms with the fact that adolescents can be ego-centric and self-conscious due to their awareness of the imaginary audience. The environment surrounding an adolescent as explained in Bronfenbrenners ecological models greatly influences their cognitive development because how the adolescent thinks and feels about themselves is affected by those around them. Reference List Arnett, J.J., 2014.Adolescence and emerging adulthood. New York, NY, USA: Pearson Education Limited. Berk, L.E. and Meyers, A.B., 2015.Infants, children, and adolescents. Pearson. Crain, W., 2015.Theories of development: Concepts and applications. Psychology Press.Heckhausen, J. and Schulz, R., 2015. A life-span theory of control.Psychological review,102(2), p.284. Labouvie-Vief, G., 2015. CognitiveEmotional Development from Adolescence to Adulthood. InIntegrating Emotions and Cognition throughout the Lifespan(pp. 89-116). Springer International Publishing. Larson, R.W., Lampkins-Uthando, S. and Armstrong, J., 2014. Adolescents' development of new skills for prospective cognition: Learning to anticipate, plan, and think strategically.Journal of Cognitive Education and Psychology,13(2), pp.232-244. Mahoney, J.W., 2015.The development of mental toughness in adolescents: utilising established theories(Doctoral dissertation, The University of Birmingham). Rosa, E.M. and Tudge, J., 2013. Urie Bronfenbrenner's theory of human development: Its evolution from ecology to bioecology.Journal of Family Theory Review,5(4), pp.243-258. Shaffer, D.R. and Kipp, K., 2013.Developmental psychology: Childhood and adolescence. Cengage Learning. Weil, L.G., Fleming, S.M., Dumontheil, I., Kilford, E.J., Weil, R.S., Rees, G., Dolan, R.J. and Blakemore, S.J., 2013. The development of metacognitive ability in adolescence.Consciousness and Cognition,22(1), pp.264-271.

Wednesday, December 4, 2019

Significant Impact on Later Adult Behaviour

Question: Is attachment crucial to the development of individual differences and has a significant impact on later adult behaviour? Answer: Discussing the research into attachment: As discussed by Winke (2007), attachment is very crucial for the development of individual child within the particular phase of life. Children need very good attachment to develop their early and future life. Relationship between child and parents should be very good. A good relationship between parents and children helps to develop the life of the children within the context of society. In this context, attachment theory is relevant and appropriate. Attachment theory is a psychological model that aims to attempt significant relationship between different individual human beings. A child from his/her birth has demanded for care and nourishment for the development of his/her physical and psychological aspect. However, Greenwald et al. (1998) stated that, there are different researches in relation to the attachment. John Bowlby has developed theory of attachment. Theory of attachment has been developed by understanding the level of distress that has been experienced by few children who stay separately from their parents. Bowlby has experienced that few differences among these separated children are mainly involved in emotional pain. Therefore, Stanovich (1986) stated that, emotional pain is very common phenomenon for the mammalian species. Attachment theory has discussed the important aspect of childs developmental context that an infant always needs a good relationship with somebody who gives care for the development as well as success of the emotional and social development of the child. An infant needs sensitive caregiver who will manage the emotional aspect of the child. Traits, relationship and behavioral system are the most important aspects of infant-adult attachment of the children . In this context, attachment behavior system is very important as well as essential concept. Attachment behavior system seeks to link between some ethological models of human development and modern types of theories upon personality and regulation of emotion. According to Bowlby, young children have often experienced a deep anguish and depression because of separation or loss of their parents. These separated children have often experienced unnatural behavior. They often have experienced anxiety, lack of confidence etc. An infant needs care in every aspects of their life. A good relationship among the parents can be considered as the central element of the development of the children. Parents should participate within the needs and demands of child within every aspects of the life (Luck and Vogel, 2013) Discussing possible effects of early relationship upon the behavior of future level: As discussed by, McRae et al. (2012), early experiences often have influenced later development of a child. Early experiences of infant often have affected upon the cognition, social skills, personality, emotional responses and other developmental contexts of a child. Early experiences of a child often guarantee different long-term developmental outcomes of a child. On the other hand, early experiences also help to provide guarantee to protect against succeeding trauma. As stated by Ciechanowski et al. (2014), researches of 30 years have discussed that birth infants can be more competent as well as responsive to the environment of their development. Therefore, effective relationship between mother and child is very important for the development of an infant within the social and psychological context. The relationship between an infant and his/her parents also affects upon the future level of development of the child. Essential need of an infant is one good caregiver who will provide care to every aspects of his/her lives. The attachment between the child and parents should be well established for the sake of future developments of the child. Attachment theories have always focused upon the contributions and notions of early experiences of the child. According to John Bowlby, working model have discussed that experience of primary caregiver leads to the beliefs and expectations about him/her self and the society. Early experiences are very essential to influence over the future developments of the child. On the other hand, Holmes (2014) discussed that, early bonds between child and parents and other caregivers influence upon the behavioral context of the child. There are some different behaviors of child, like aggression, negative behavior, immature behavior, non-compliance. As the case study has discussed, children do not have proper assurance and caregiver for their different aspects of life. Their stepmother abused them and the children did not have proper guidance from their father. These children did not get proper nourishment and necessary care. They had suffered from malnutrition, rickets. Therefore, these children could not walk properly. Their living practice was very much unusual. The speech of those children was underdeveloped and poor. As these children did not proper physical care from their parents, therefore they have not learned any usual behavior. They were built up through unnatural process. Therefore, the case study has shown that later these children have been cared properly. After getting proper care, the children have been developed. They have started to behave like normal children. They also have prospered normal as well as productive lives (Dykas and Cassidy, 2011). However, it can be assumed that early experiences have affected certain stages of their life. After getting god care, these children have properly behaved like normal human being. These children need care for the development of their life. Therefore, after getting the necessary care early experiences have not affected the later life of these children. Explaining the developments of individual differences: As discussed by, Wu et al. (2014), every individual person differs from each other by different features, characteristics. It is obvious that an individual should be different from each other by their physical as well as psychological differences. There are study of individual differences is related with the study of variance. In order to study the differences among individual study of personal psychology is essential and often required. However, individuals are often distinguished by distinct nature of their differences. Those differences include sex, social identity, culture, age and ethnicity. On the other hand, George and West (2012) argued that, researches in the field of individual differences are based on three distinct questions; those are involved in the development of adequate descriptive taxonomy of the differences of individual, application of differences in one situation in order to know the differences in another situation, explanation of different theoretical approaches within the perspective of individual differences. Within the taxonomies of individual differences, test theory is relevant and essential to know the differences of individual. There can be differences of English vocabulary or other languages among the people. Classical Test theory often has developed measurement pattern of individual differences by measuring performance of the people on small sample of papers. On the other hand, Richards et al. (2011) stated that, Individual ability and personality can also be considered as the parameter of differences within the group of individual. Personality refers to the individual as well as personal ability of the individual. Personality of an individual is often involved within the overall performance of the individual. However, taxonomic and predictive studies discuss individual differences with the relational aspect of feelings, behavior as well as thoughts and the outcomes. As discussed by Zeanah et al. (2011), study of individual differences is very much different from the study of experimental psychology. Area of study with individual differences is involved in describing stable differences among every individual. There are individual differences within the field of education. Every individual performs differently within the educational sector. The differences among education are closely related with the differences of intelligence among the individual persons. Therefore, environmental context and societal aspect of ones development often affect upon the development of intelligence of a person. Evaluating evidence for different natures of individual: As discussed by Lamb et al. (2013), differences among people can be considered as very common observational process. Individual differences happen as because of there are difference among the environment and genetic factors of individual people. Individual differences often occur due to interaction of environment and genetic factors. Individual people often gather some characteristics from the gens of their parents. A child gathers some similar features from the genetic codes of his/her parents. Therefore, the child resembles his/her parents. On the other hand, other characteristics often have grown with different contributions of social as well as environmental context. Environmental and social context are very responsible for the development of individual within the society. On the other hand, Luck and Vogel (2013) discussed that, differences between society and environment often affect upon the development of identity among the individual. A child often has resembled with the physical aspects of childs parents. A child shares physical similarities with their parents but the child has not shared not all the similarities. A child consumes emotional as well as cognitive and other characteristics from his/her parents. Children also develop intellectual properties from their parents. They also gather creativity and other aspects from their parents. A child also develops distinct characteristics by the support of societal and environmental context that can be inhabited by the child. Therefore, environment or society and different micro aspects often help in order to achieve the particular development of an individual. Reference lists Ciechanowski, P. S., Katon, W. J., Russo, J. E., and Walker, E. A. (2014). The patient-provider relationship: attachment theory and adherence to treatment in diabetes. Dykas, M. J., and Cassidy, J. (2011). Attachment and the processing of social information across the life span: theory and evidence.Psychological bulletin,137(1), 19. George, C., and West, M. L. (2012).The Adult Attachment Projective Picture System: attachment theory and assessment in adults. Guilford Press Greenwald, A. G., McGhee, D. E., and Schwartz, J. L. (1998). Measuring individual differences in implicit cognition: the implicit association test.Journal of personality and social psychology,74(6), 1464 Holmes, J. (2014).The search for the secure base: Attachment theory and psychotherapy. Routledge Lamb, M. E., Thompson, R. A., Gardner, W., and Charnov, E. L. (Eds.). (2013).Infant-mother attachment: The origins and developmental significance of individual differences in Strange Situation behavior. Routledge. Luck, S. J., and Vogel, E. K. (2013). 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