Have at least 5 paragraphs

1.

Introduction

- State the current situation

- State if you agree or disagree with the statement/topic, and why.
2.

First point

Key point

Elaboration

Examples

3.

Second point

Key point

Elaboration

Examples

4.

Third point

Key point

Elaboration

Examples

5.

Conclusion

State why you agree/disagree once more

What can the government/individual/society do?

Use these tools to help with your critical thinking:

1.

The short term, midterm, and long term effect

Example: Smoking

Short term = Bad breath/yellow teeth

Midterm = Affordability/waste of money

Long term = Health problems such as lung cancer

2.

Individual, society, and government

Example: Recycling

Individual = Practice the 3Rs (Reduce, reuse, recycle)

Society = Community collection/fund raising

Government = Hold recycling campaigns

Hi, a very good morning to the examiners and my fellow friends. As we are talking about how a
persons character can be influenced by another person, the persons whom I think have the most
influence in a persons life are parents. There are three reasons why I think so.
Firstly, parents are the people whom know us since birth. We become like the person whom
we spend the most time with. Parents are the people whom we see every day from the moment
we are born, till the day we are adults. Hence, very naturally, they become the people whom we
look up to and start imitating the way they talk, act, and even think.
My second reason is because parents are the first educators to their child before anybody
else. Table manners and basic etiquettes are taught at home, by the parents. This gives an
influence so vast that we ourselves fail to recognize it sometimes
Thirdly, parents are the ones who impart values into our lives. Values are assets which we hold
on to for the rest of our lives and this is the greatest influence of all. Values are what we make
our decisions upon, and it is what shapes our character.

In conclusion, I think that though there may be many others who can influence a persons
character ultimately, parents are the greatest influencers of all. With that, I conclude my
speech. Thank you very much.

Theres a saying that says, money makes the world go round. Hate to point out the
obvious, but it is true. In this new era, money is what it takes for the society to keep on
surviving, well, except for having happiness and religion etc, but that is beside the
point. The point here is that, the world is a competition and we need to educate
ourselves, from young, on how to keep our financial balance on stable platform. Thus,
the Education Ministry should take note on some of the reasons why they financial
education should be taught at school, namely, instilling a good financial management
from a young age, reducing individual financial crises in the future and creating an
economic savvy society.
I do agree that parents should carry a bigger role in teaching their children on
things such as saving money and not spend on unnecessary things, but it is also the
governments role in further educating on the theories of having good financial
management. It is vital as it actually prepares the future generation to be more aware of
the harsh reality. Moreover, when we give them an education on managing their
finances, it will help them in the future in terms of having the cash for further to
secondary or tertiary education. Therefore, for the betterment of the future generation,
is it ideal to educate them at school about having a good financial management.
Day in, day out, we see news on young adults has gone into bankruptcy. At the start
of their young life, they have negative balance in their bank account and still owing.
Having rents to pay, bills to settle, mouth to feed, etc, bankruptcy would be the last
thing anyone could ever want. This is an issue we would not want our generations to
have. A way to avoid this is by training them from small the benefits of saving and
managing their money because at the end of the day, they will be the one who is going to
enjoy that. By doing this, it will therefore reduce individual financial crises and
simultaneously creating a happy living condition.
Creating an economic savvy society does not mean society that gets involved in stock
market, investment or the index. But it is a society that is capable to support their
respective families and still have enough money for the future and also is able to give
back to society and do well. It also means that the society is able to comprehend and
understand on the nations current economic background. By grasping the financial
knowledge, it leads to a society that does not spend unnecessarily and therefore
developing a better country. Thus, the significance of educating young children on
financial is obvious as it would benefit the advancement of the country.
To conclude, before understanding the whole concept of financial management, it is
a good idea for us to come hand in hand and educate the younger generations on having
savings and such. The need to introduce these types of knowledge to them not only will
widen their mind but also teach them to be prepared for the unknown future. It is
hoped that the Ministry of Education take this proposal to action in order to foster a
broader minded generation that will be the pride and forefront of the nation.

There are many working adults who wish to pursue post-secondary education for personal growth and
career advancement. The Internet has given many working adults hope for a college diploma or
degree. There are many courses offered online such as diplomas, degrees and post-graduate degrees
for a variety of fields be they business or arts. Thus, they can now attend online education

programmes. Online education is becoming more attractive because it can be pursued anywhere
without a formal setting. Students are just required to have access to a computer or even a
smartphone and Internet connectivity if they want to attend online educations programmes.Therefore
there are many reasons for online learning, namely accessibility, flexibility and cost-effectiveness.
First and foremost, there are many people who opt for online learning rather than going to education
institutions because online education is very accessible. This means that it can be accessed by all walks
of people regardless of place and time. Housewives with children can pursue an education at home
without having to leave home responsibilities to others. Other than that, working adults can also
pursue an education after working hours, during office lunch break or at their leisure. Thus, many
working adults and housewives these days choose online learning because of its easy and convenient
accessibility rather than going to education institutions where they have to be physically present.

Moreover, there are many people who prefer online learning rather than going to education
institutions because online education provides focused learning that is flexible and suitable to each
students needs. Online education is as comprehensive as any campus based education. It caters to
students with varied learning styles and allows students to follow personal study routines. The
students can study at night or early in the morning, whichever suits them best. The materials prepared
cater to different difficulty levels while online tutors participating in online forums to guide students
are also available. Hence, students can focus better because of the flexibility of online learning leading
to more people opting for online learning rather than going to traditional education institutions.
Other than that, reduced study cost is another reason for choosing online education. Online education
is a cost-effective mechanism for non-traditional students and enables millions around the world to
continue their education without costing an arm and a leg. In addition, expensive textbooks are also
not required with the advent of e-books and online journals. There is no need to rush or pay
transportation costs to go to college, so stress as well as financial factors can be reduced as well. Thus,
online learning is a more cost-efficient option for todays fast paced society.
n a nutshell, more and more working adults, housewives and school leavers are exploring the option of
online education as a means to self-development. This type of learning helps them learn faster, retain
more information and earn a degree at a fraction of the cost. Therefore, the government has
sanctioned this medium of education by approving institutes like Open University Malaysia where
everyone can learn. It is hoped that more of such universities and learning institutes that offer online
learning will mushroom around the country because education is the key to progress and prosperity.

The trend today among youths is to own the latest technological gadgets such as mobile phones and
other devices. Is this a healthy development among young people? Give your opinion. You should
write at least 350 words.

In this modern world of ours, technological devices such as mobile phones and other gadgets are
no longer foreign to us. Most of the young people today are treating these luxuries as a necessity as
they compete to own the latest devices, leading to the adults questioning whether this is a healthy or
an unhealthy development for youths today. In my own humble opinion, this issue will be a neverending argument because it solely depends on the user itself to determine their purpose of using these
devices. Thus in this essay, this issue can be discussed in terms of both healthy and unhealthy
development and some recommendations.

Firstly, with these newest devices, young people can access information wherever there are with
just a touch of their fingers. This can help to expand their knowledge about the current issues of our
world which will be a key role to take their mind to a higher level. They can also use these facilities to
help them in their studies. All of these can help our country to produce more intellectual people which
indeed is a healthy development by contributing to a more productive nation.
In the old days, we had to do a lot of work and research in order to finish our school assignment,
which is time consuming and tiring. Now we can obtain any information we need for our assignment
without having the need to go to the library anymore. This can help the students to save more time for
them to do other things. Furthermore, students can also increase their efficiency of work. The
government also supports this by launching the Wireless Village programme so that both rural and
urban people can access the internet without having to subcribe to any internet packages. Overall,
students can perform better and become more productive in their work, so this is certainly a healthy
development.
Moreover, young people that chase after these latest technological devices can help to strengthen
the countrys commerce through the constant supply and demand of gadgets. This can help the
government to focus more on developing this technology or subsidising companies in this industry as
it can guarantee good profits. Besides, in line with the previous years budgets, the government is
giving out smart phone rebates to citizens above the age of 21. All of this can help to improve our
economic level and lead to a more developed country, therefore another sign that it is a healthy
development.
On the other hand, this trend to own the latest technology devices could lead to a waste of money.
Even though these devices are useful to us, but the fact is that most young people are chasing the
latest devices regardless of cost. Mind the word latest as they only want the latest edition that is being
released in the market almost once per year for different brands such as Samsung and Sony. In order
to keep up with the trend, these young people are willing to waste their money or more accurately
their parents hard-earned money. Instead, they could use the money for better purposes like buying
books or stationery.
Furthermore, as time goes by, they might eventually become ungrateful for what they already
have and keep nagging for new gadgets. This is unhealthy as it breeds materialism. In addition, if one
did not have proper discipline within oneself while using these devices, one will easily become a victim
to various addictions such as social networking and games. This can cause the young users to become
distracted and greatly decrease their work efficiency. As for students, their performance at school
might become affected. To add to the matter, young people can easily access inappropriate content
such as porn and violent materials at a young age, unsupervised. All of this can retard their minds
growth and become influenced by negative things. In the end, these devices become a bane to them
instead of a boon to the development of society.
Hence, for us to fully utilise the advantages of technology, I humble share some of my
recommendations. Firstly, parents play a big role as they spend the most time with their children thus
they should watch strictly over their childrens usage of these devices per day by limiting it. Next, the

government can work on preventing or blocking many harmful websites in our country so that young
people have no access to it.
In conclusion, I believe that in the end, it depends on the user itself whether to abuse or to use
the devices to their disadvantage or advantage. We can draw an analogy from guns used by the
police it enforces the law; by a criminal it abets the crime. It would be illogical to put the gun in jail
instead of the person who pulls the trigger. Similarly, it is we ourselves that click the mouse or swipe
the screen of our gadget so we must use it responsibly to contribute towards a happier and healthier
development in society today.