Essay

Advantages of Using Cell phone

We can use and play the cell phone whenever we want. We used cell phone in

different purposes, like researching or getting information for our studies. It is easy to

use and helpful in a particular way. It can capture thousands of memorable memories

and bring us to happiness and enjoyment. The advantage of using cell phone is that we

can use this for communication and for entertainment.

At the first place, cell phone make things easier in terms of communication. Cell

phone is a very useful one because whenever and wherever you want, you can

communicate with the people you love. You can easily call or text them, sending

greetings to them. According to the study, the very first positive point of mobile phone is

communication, which is very true. With mobile phones you can communicate with

anyone from anywhere at any time (Power Point Essay).

Cell phone used to entertain people through social media sites especially

Facebook and Instagram. You can play games and also you can take photos in cell

phone. It can help you to reduce your stress and boredom. You can use your phone

during your free time. According to the study, mobile phones have become a source of

unlimited entertainment. Phones have come into existence which not only help you in

making calls but also help you to stay entertained by allowing you to play games, listen

to music and do lots of other stuff (Power Point Essay).

Therefore, the advantage of using cell phone is that we can use this for

communication and entertainment. We can get information that is useful in our studies.

Cell phone captures thousands of memories. In fact, it can reduces our stress and
boredom. We can use it whenever and wherever we want. Cell phone making things

easier for us and also it gives us enjoyment and happiness.

Thesis Statement

The advantage of using cell phone is that we can use this for communication and for

entertainment.

Summary

Chua-Unsu (2014) states that paper bags are contributed more contamination

than plastic bags because of the energy and weighs it has.

Paraphrase

Studies found that paper bags are have larger carbon footmark rather than

the plastic bags, because of the energy, water and chemicals paper bags consumed

during the production. According to Kirsty Bell and Suzie Cave (2011) in Northern,

Ireland Assembly, it is stated that paper bags are consumed more energy than plastic

bags. And as well, the production of paper bags contributes more air and water pollution

or contamination rather than plastic bags. During the processing of paper bags, it

demands more energy to be transported. It happen because compared to plastic bags,

paper bags weigh are light and it take more space, that's conclude to the energy easy

transport of this paper bags in other resources.

Outline
1. Introduction

1.1 Investment Scheme or Pyramiding Scheme

1.1.1 invest in assets, such as bonds, equities or cash

1.2 The birth of Philippine mutual funds or investment scheme

1.3 effortless increase of money, but make people dependable and presumptuous

2. Opposing Argument

2.1 Investment scheme provides high interests

2.1.1 facts/details

2.2. Disfavor of investment scheme

2.2.1 facts/details

3. Argument/Position

3.1 disapprove with the investment scheme

3.1.1 Evidence

3.2 disliking investment scheme; illegal

3.2.1 Evidence

3.3 do not support or agree with investment scheme; unsure investment

4. Conclusion

4.1 support the investment scheme because it provides high interests, but somewhat

disfavor of investment scheme because it is illegal and scam.

4.2 disapprove, disliking, and not supporting the investment scheme

4.3 Program to aware people about investing, do not invest money without legal

processes

Claims of Fact
 The brain is more active at night than during the day.

Claims of Definition

The lottery is really a tax on the poor.

Claims of Cause

Rap music makes the audience members prone to violence.

Claims of Value

Killing one another is immoral.

Claims of Policy

The death penalty should be dissolve because it does nothing to prevent murder.

Critique Paper
 We need to pass bill creating the Department of Water Resource and Water

Regulatory Commission. Stated by President Rodrigo Duterte on his SONA 2019. It

should be pass immediately to lessen the troubles in our society, for us to have a better,

peaceful and healthy life.

Water is a cycle basic necessity and it is something that given abundantly.

Experiencing shortage of water may lead to a lot of chaos. People are fighting because

of having not enough supply of water that possibly leads to killings. It slows down the

daily activities of people and also forbids the proper flow of activities. According to

water.org out of 101 million Filipinos, nine million rely on unimproved, unsafe and

unsustainable water sources and 19 million lack access to improved sanitation. But

according to the World Health Organization they are working with the Philippines

Department of Health and other sector agencies to ensure safe water for all through the

development and implementation of water safety planning, strengthening systems and

capacity for drinking-water quality surveillance and monitoring, and improvement of

water, sanitation, and hygiene in health care facilities.

For me, water shortage should be prevented instantly because it is a hindrance in

my life as a student. In fact, I cannot live without water. I do not just relied on the rain

because it is not enough. I cannot bath, cook, clean dishes and wash my clothes. And

also, I cannot do my proper hygiene every day. In my own observation, some of my

classmates went to school without taking a bath due to lack of water. I see many people

rely on unsafe and unimproved water supply or sources just to provide their needs. It is

so sad for me, because many people died due to shortage of water they acquired

diseases and due to lack of access to sanitation. I strongly believe that if the
Department of Water Resource and Water Regulatory Commission will pass

immediately, it can surely help me to lessen the problem I faced as a person. It will give

us an enough supply of water that we need every day.

Furthermore, Department of Water Resource and Water Regulatory Commission

need to pass as soon as possible to lessen the problem in our society, for us to have a

better, peaceful and healthy life. I considered that water shortage has a big impact in my

life. In fact, I cannot survived without water. It slows down my activities and lead to a lot

of chaos. But, I will surely save water because it is an element that I cannot live without,

and us to have a healthy and better life. Therefore I conclude, that I, you, all of us needs

have enough supply of water to survive in this problematic society.

No homework policy proposed by lawmakers at the House of Representatives was

supported and welcomed by the Department of Education (DepEd). On August 28, 2019

Department of Education (DepEd) said the measures would "enable learners to have

more quality time with their parents, family, and friends by limiting the homework to a

reasonable quantity on school days and by eliminating the same during weekends".

According to the rappler.com on August 28, 2019. No homework policy has a big help

for the students or learners to have a quality time for their selves and spend more time

with their family, but definitely it has a disadvantage that makes the students more

pressure, exhaust and lazy.

 No homework policy would allow students to have balance between their

intellectual development and personal growth by having an enough time for joyful

moments with their family. It can help the students to rest and relax after school hours

and they can have a lot of time to refresh and enjoy. But other students will become

more addicted on social media and become irresponsible because of this policy. They

do not have time to study and relax after all. House Deputy Speaker Evelina Escudero

and Quezon City Representative Alfred Vargas filed separate bills in August. Escudero

filed House Bill (HB) No. 3611, which seeks to remove homework as a requirement and

have Kinder to Grade 12 students do academic activities solely within school premises.

Vargas filed HB No. 3883, which seeks to eliminate homework on weekends for all

elementary and high school students. House Bill 3883 seeks to "promote and protect

the physical, moral, spiritual, intellectual, and social well-being of the youth." Senator

Grace Poe has also filed a bill that seeks to impose a "no homework on weekends"

policy in all primary and secondary schools in the country.

No homework policy has a big help for me as a student to have a quality time for

myself and for my family. In fact, it gives me time to rest and relax after long school

hours. I can spend a lot of time with my family, doing extreme and enjoyable activities

with them. I can help my parents to do the household chores without inhibition and I can

balance my time for other tasks. I definitely had a peaceful mind, and I can study my

lessons very well. On the other hand, no homework policy has also a disadvantage for

me as a student. For example, my teacher gives a project and it should be done on

time, and the problem is the needed materials so I need to rush things to pass and that

surely a big problem to me. For me, as a grade 11 student no homework policy surely a
big hindrance in our practical research because it is need a lot of time to be done. It can

totally stress my mind and I will be more pressure and exhaust. Somewhat other

students like me will be more addicted to social media or online games because of no

homework policy. They definitely confident that they have no chores to do and

assignment to be pass. But all in all, I can say that it is still a good policy because it is

for us students to be more balanced with ourselves and for our studies. I do believe that

we have a responsibility to take care of and should be accept and affirm to ourselves,

such as to be a good child to our parents and to be kind and responsible student.

Therefore, I conclude that no homework policy has a big help for students to have

a quality time for their selves and spend more time with their family, but it has also a

disadvantage that makes them more pressure and exhaust. I believe that no homework

policy has a big help for us students, we can balance our time for ourselves and for our

studies, but on the other hand it can make the students more lazy and addicted to social

media. It is necessary for us to limit our time and do our responsibility regularly even

with or without approval of this policy in the government. However, it is on the hand of

the students if they are prefer or against to this policy.

Concept Paper
 CHAPTER 1

INTRODUCTION

The Problem and its Scope

Malnutrition is increasing nowadays in Brgy. Sta. Cruz, Talikud Island. Most

of students in Sta. Cruz Elementary School are belong to this problem. Students are not

growing up according to their age, and they are thin as time goes by. It can affect them

so much in terms of their studies, social interactions or any physical activities. They are

lack of energy to enhance their talents and knowledge just because of malnutrition that

their body experiencing. The children cannot enjoy what they want to do because of

malnutrition that they are currently facing. Students can not excel in academic

performance due to lack of nutrients and energy that the body needs to sustain.

Malnutrition happened because the students are not eating healthy or nutritious foods

due to poverty that can help them to build a strong and healthy body. And maybe the

water they are drinking are contaminated that can also affect their health. Dirty

surroundings or environment are also one of the factors that cause of malnutrition.

What is malnutrition? Malnutrition is a condition where an individual gets a diet

which is lack of nutrients or excess of nutrients. Nutrients can be proteins,

carbohydrates and micro-nutrients. Many children nowadays are lack of nutrients and

vitamins because they are not fun of eating healthy foods such as vegetables and fruits.

They are savage on eating junk foods and drinking soda that does not have any

nutrients and vitamins at all. We should be careful to our health because it is our

weapon against all trials in life.

 World Health Organization (WHO) aims for a world free of all forms of

malnutrion, where all people achieve health and well being. According to 2016-2025

nutrition strategy, WHO works with Member States and partners towards universal

access to effective nutrition interventions and to healthy diets from sustainable and

resilient food systems. WHO uses its convening power to help set, align and advocate

for priorities and policies that move nutrition forward globally; develops evidence

informed guidance and implementation of effective nutrition actions; and monitors and

evaluates policy and program implementation and nutrition outcomes.

According to Atty. Joey D. Lina former Senator the alarming statistical data

and exhaustive about malnutrition should not be ignored. Extreme hunger and various

forms of malnutrition, including severe under-nutrition such as wasting and stunting

mainly due to poverty — form a debilitating crisis in our midst, with its full impact hitting

in the years to come. WHO defines good nutrition as the adequate, well-balanced intake

of food in relation to the body's dietary needs. Malnutrition is an encompassing term for

various forms of poor nutrition, whether it is excess consumption of nutrients

(overnutrition) usually afflicting the obese, or inadequate consumption of nutrients

(undernutrition) common with those suffering from extreme and prolonged hunger. In

the Philippines, the bigger problem is undernutrition — the "underlying cause in 45

percent of child deaths worldwide". According to the United Nations Children's

Emergency Funds (UNICEF) in its 2015 Unite for Children report, 95 child deaths in our

country everyday are due to undernutrition. When assessed along with the Child Growth

Standard set by WHO, child undernutrition has three indicators: underweight (low

weight-for-age, including low birth weight), wasting (low weight-for-height), and stunting
(low height-for-age). Around 31.2% of Filipino children aged 5-10 are underweight,

according to a 2015 report made by the Food and Nutrition Research Institute (FNRI)

which also said that 31.1% of the children in the same age group are underheight or

stunted. The NFRI 2015 data also revealed that among children aged 0-2, around

26.2% or one in four is undernourished — a rate highest in 10 years. And about 33.5%

of children below the age of five suffer from stunting. It is unfortunate that the

Philippines failed in its Millennium Development Goal (MDG) of cutting by about half the

prevalence of child undernutrition. The MDG target was to reduce, in children under

five, the underweight prevalence from about 24% in 2000 to 13.6% by 2015, and

stunting from 36% to 22%. However, as it turned out in 2015, the figures hardly moved

— more than one in five children below five years old were underweight, and more than

one-third were stunted. According to the 2016 Global Nutrition Report, our country is

among those with the highest wasting and stunting prevalence. Of a total of 130

countries rank lowest to highest on wasting prevalence, the Philippines is rank 93rd at

7.9% prevalence. This data on wasting is bothersome amid a published report that,

according to the WHO, wasting prevalence that exceeds five percent is "alarming given

a parallel increase in mortality that soon becomes apparent. Provided there is no severe

food short-age, the prevalence of wasting is usually below five percent, even in poor

countries." An exhaustive 54-country study of maternal and child undernutrition

published in 2010 in the Lancet, one of the world's oldest and prestigious weekly peer-

reviewed general medical journals, "found that height-for-age at two years was the best

predictor of human capital, and that under nutrition is associated with lower human

capital.” It also stressed that “it is during child’s first 1000 days when the most
pronounced growth reduction is observed compared to other stages in a child’s

development.” There’s also a World Bank study that “a one-percent in adult height as a

result of result of childhood stunting is linked with 1.4 percent loss in economic

productivity, resulting in 20 percent less earnings as adult.” The non-government

organization, Save the Children Philippines, also made an in-depth study in 2016 which

revealed that “education and productivity losses a as result of child under nutrition

amounted to a total of 1328 billion in 2013.” The amount was equivalent to 2.84% of the

Philippines’ GDP that year. The study pointed out that of the 330,418 students who

repeated a grade level in 2013, about 15% or 48,597 students "had repeated grede

level as a result of under five stunting. An additional 11.23 billion was required to cover

the costs of grade level repetitions for these stunted children." It said that stunting costs

the Philippines some 1326.5 billion in lost productivity which is composed of two

elements: Reduced productivity among the stunted work force, and the complete loss of

productivity due to premature under five child deaths linked to undernutrition. To

address undernutrition among public school students, the Department of Education in

2016 asked schools to establish the Gulayan sa Paaralan Program (GPP) "as a source

of ingredients for the School-Based Feeding Program and encourage families of

beneficiaries to have their own home garden for the continuous nutritional improvement

at home." The F. Serrano Sr. Elementary School in Parañaque City is among the best to

implement GPP. "The school some fruit bearing trees, urban vertical gardening,

containerized gardening, aquaponics, circulating and non-circulating hydroponics and

fishponds. The non-circulating hydroponics will be seen in every floor of the school

building. The school harvests organic vegetables such as pechay, mustard, and
eggplants which are used as ingredients for the school's feeding program, " DepEd

said. The successful implementation of GPP in most impoverished areas of the country

will go a long way in battling undernutrition. But a lot more needs to be done. The

invaluable help of the private sector and more NGOs will certainly boost efforts to rid the

menace plaguing Filipino children. And foremost among these efforts ought to be

poverty reduction.

DESPITE the lower turnout of malnutrition in Davao City, the City Health Office

(CHO) said it is still prevalent in 10 depressed barangays. CHO identified the following

barangays as nutrition depressed areas, namely barangays Gumitan, Baganihan,

Dalaglumot, and Marilog Proper in Marilog District; barangays Sumimao, Tapak, and

Colosas in Paquibato District; barangays Megcawayan and Lampianao in Calinan

District; and barangay Sibulan in Toril District. CHO nutrition officer Beth Banzon said

these areas are categorize as geographically isolated and disadvantaged areas (Gida)

with no access to food and health services. She siad these areas are considered

progressively left behind due to lack of road infrastructure for the delivery of goods and

services. She also said people living in these areas are no longer planting vegetables in

their own backyards. With this, Banzon said the Gulayan sa Barangay program must be

strengthened to encourage more residents to plant their own vegetables. Banzon also

encouraged he public to refer any child suffering from malnutrition to the nearest

barangay health centers.

We conclude that many organizations are people made a programs to stop or

prevent the growth rate of malnutrition all over the world. They searched and survey

children for the outcomes of their programs, they also provide foods and vitamins to the
malnourished people. Lot of malnourished people were received help from them and

able to have a better and healthier life. For us, the possible solution of this kind of issue

is the implementation of many programs such as Gulayan sa Paaralan and Tanim sa

Bakuran to able for us to have a fresh and healthy vegetables and fruits that can we eat

without hesitation and no chemical processes. We should prevent eating unhealthy

foods and start eating healthy and nutritious foods to have a better life and prevent the

malnutrition. Also the cleanliness of foods and environment should be considered and

observed.

Rationale of the Study

This study talks about malnutrition the beneficiaries of this study could be the

elementary students and high school students, parents and also the teachers in our

community. For the students, they will know what is the cause and effect of malnutrition

in their lives. Parents will aware on how to educate their children in terms of

malnutrition, because they are the one who is responsible for their child health. Also for

the teachers to teach and inform their students on how to avoid malnutrition and how to

have a healthy life.

Research Objectives

This study aims to informs students and also the parents what are the causes and

effects of malnutrition in our lives. To help other people on how to deprive and avoid
malnutrition. To teach and inspired every individuals on how to have a healthy and

strong body that we need every day.

Malnutrition and Human Capital: Problems of Theory and Practice

2008

Philip Payne

Abstract

Just now there is something of a crisis of confidence in the field of applied nutrition. This

may perhaps seem strange, indeed irritating to many people, in the light of so much

dramatic evidence of acute starvation as well as the widespread persistence of chronic

hunger. In past years, a chapter such as this might have begun with a review of the

extent of different kinds of nutritional deficiency diseases and their differential causes,

and would then have proceeded to describe appropriate interventions: correction of

nutrient deficiencies (vitamins, minerals, and especially proteins); education

programmes to correct cultural ‘errors’ in the use or intra-household distribution of

different foods, or to correct distortions of consumer behaviour due to rapid socio-

economic changes; food distribution programmes intended to bring immediate relief to

those presently unable to afford an adequate diet. Now, after a very substantial

investment on an international scale in basic and applied research, and in evaluation of

such programmes, C. Gopalan (1980) writing about India says:

We have therefore to conclude that during the last 30 years, in spite of all our advances

in the agricultural, industrial and technological fields, and in spite of several ‘applied
nutrition programmes’ and ‘supplementary feeding programmes’, we have not really

made any significant dent on the problem of malnutrition in our children. We have

reduced infant and child mortality to some extent and we have thus ‘saved’ many

children whom, otherwise, the merciful hand of death would have removed. There is

thus an increasing pool of survivors who have escaped death but who exist in a

substandard state of health and nutrition with permanent impairment of functional

competence and productivity. The result is a progressive erosion and deterioration of

the ‘quality’ of our human resources.

Measuring Malnutrition and Dietary Diversity: Theory and

Evidence from India

Christian Oldiges

“Health is among the most important conditions of human life and a critically significant

constituent of human capabilities which we have reason to value” (Sen, 2002). Within

the capability space of health, being well-nourished to enjoy a life free of hunger and

starvation is certainly the most basic functioning.1 In this context, while arguing for the

right to food, the United Nations (1999) states in Comment No. 12: “The right to

adequate food is realized when every man, woman and child, alone or in community

with others, has the physical and economic access at all times to adequate food or

means for its procurement.” I want to discuss two key points of this Comment. One, the

focus is on the access to food and not just the availability of food. Sen (1981) argues for

such a distinction. “Starvation is the characteristic of some people not having enough
food to eat. It is not the characteristic of there being not enough food to eat. While the

latter can be a cause of the former, it is but one of many possible causes.” Existing

measures of food availability within a country fail to account for the question of

adequate access and can be misleading due the inherent and “inevitable” inequality in

terms of access to food (Barrett, 2010). Second, the Comment concerns the right to

adequate food and not just some quantity of food. There is widespread consensus that

merely meeting standardized calorie norms, as set for example by the Food and

Agriculture Organization (FAO), does not translate into adequate food or nutrition.

Instead, measuring adequate nutrition involves measuring access to dietary diversity

(Deaton and Drèze, 2009). According to Gopalan (1992), there are two practical ways to

measure undernutrition that, in combination, provide valuable information to combat

undernutrition: anthropometric data collection or surveys of diets. This paper focuses on

utilizing the latter.

CHAPTER 2

Method

This chapter presents the method used in the study. This includes research design,

data sources, ethical consideration, data collection procedure, and data analysis.
 Data Source

Researchers conducted this study to developed growth standards and attainment of

best possible nutrition and growth of children. The study conducted in Barangay Sta.

Cruz, Talikud, Island Garden City of Samal.

The instrument that being used by the researchers was personal interview within

fifteen (15) respondents. The study is concerned on the growth rate of malnutrition in

Tallish Island. Researchers tends to solve and give awareness t9 the people about the

effects of malnutrition in everyone's life.

Ethical Consideration

Important ethics is highly considered by the researchers in conducting the

study. Formal permission and the authorization of the perspective respondents is

evaluate before conducting the interview.

Researchers kept the identification of the respondents private for their security.

The researchers present the interviewed answers truthfully and exactly to avoid

exploitation. In addition, researchers needs to make sure that the validation, accuracy,

and credibility in conducting the data is present.

Data Collection Procedure

The researchers conducted a survey in the Barangay Started. Cruz. We asked

and get perrmission's to the fifteen (15) respondents and we performed a personal

interview by asking following questions to get their ideas opinions about this study. The
researchers recorded their answers through recorded device which is cellphone to avoid

error of the information. Thee collected data that are gathered were exactly and

correctly copied.

The researchers also take a photo with the interviewees for authentic

documentation purposes. The interviewees for authent7c documentation purposes. The

interview with 15 respondents were successfully and properly done, the data were

analyzed thoroughly.

Data Analysis

Dealing with a problem of malnutrition in Barangay Started, Cruz, Talked Island,

become a remarkable cases between the children who experience this type of situation.

The researchers perceived the cases of malnutrition is extremely increases that affect

the growth and development of a children.

The researchers with courage have conducted an interview to 15 respondents in

Barangay Sta. Cruz. The data collected were carefully and temperature transfer, also

the topic and code were expertly analyzed.

Position Paper

Investment scheme or Pyramiding scheme are more frequently known as

'investment funds', 'mutual funds' or simply 'funds'. They invest in assets, such as

bonds, equities or cash. Your money is pooled together with that of other investors, and
spread over the whole range of assets within the funds. (BlackRock) In the Philippine

market, the concept of mutual funds is not entirely new as history can be traced way

back in the early 1950's. The birth of Philippine mutual funds or investment scheme was

brought about by the growing popularity of off-shore funds worldwide. In the absence of

a governing law, the companies were registered as finance companies. Investment

scheme have negative outcome, because it is operating as fraud and it is scam, and it

will lead people to be dependable and it will lead to many chaos in the end.

I approve and agree of investment scheme because it provides high interests

to make the members being satisfied accordingly with the way of their service or

distribution of the money, and it will help the people to have enough money to fulfill their

needs. According to expaliner.com, Kapa Community Ministry International one of the

investment scheme, claims it has helped millions of Filipinos grow their money. It

promised Filipinos that after a one-time donation, they will be receiving 30% of the

amount for life. I disapprove and disagree of investment scheme because it is operating

as fraud and it is a scam. Many Filipinos are being fooled. "Listen to me because I am a

lawyer and I am your President. Do not invest your money in these investment scheme

because thse are scams. If it is too good to be true, do'nt invest on it", Duterte said in

his speech at the Brgy. Lagao Gymnasium in General Santos City on Thursday, June

13. Securities and Exchange Commission (SEC) Chairman Emilio Aquino called Kapa

an outright scam, saying it was "mathematically impossible" for any company to offer

such.

I disapprove with the investment scheme, because it encourage people to rely

or depend on their investments and left their jobs l, but in the end they are being fooled
and receive nothing. Early 2019, the General Santos City Chamber of Commerse and

Industry, Inc. (GSCCII) expressed concern after a number of workers in the city and

neighboring towns have left their jobs to focus in their investments. Karla Stefan

Singson went on to say that Kapa or similar organizations seduce people into thinking

they do not need hard work or that they do not need to be innovative or financially

literate to make money. I dislike investment scheme because it is illegal and scam. On

June 10, the Securities and Exchange Commission (SEC) announced that it would file

criminal complaints against officials of the Kapa Community Ministry International for an

alleged investment scam that reportedly stands to defraud participants of as such much

as PHP50 billion. In 2018, however, Kapa did not file any financial statement, according

to the SEC. I do not support or agree with investment scheme because it is an unsure

investment, and the money of the people will be gone and it will lead them to depression

and shame. The drive to be impatient, the loss of incentive for self-improvement, and

greed are all by-products of the pyramiding or Ponzi scheme, Karla Stefan Singson

said. "We should stop using poverty to justify joining Ponzi (Scheme). Some people say

it's someone's tuition, medicine, or rent. But then again, was it the only option? It is

worse for them because when they lose it, they fall into depression, and regret, Singson

said.

Therefore, I approve and agree of investment scheme, because it provides

high interests, and it will help the people to have enough money for their needs. On the

other hand, I strongly disapprove and disagree of investment scheme because it is

operating as fraud and it is a scam. I disapprove, dislike and disagree of investment

scheme, because it encourage and inspire people to invest their money, but in the end
they receive nothing. It will lead people to depression which is not good. For me, people

should read more articles about investment, so they can know what is right or wrong to

do with their money. Government should implement programs about investment

scheme, so the people will be aware about this. Do not invest your money without legal

processes and without permit.