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As we grow older, our bodies "fully develop" and are most easily measured by these real, visible changes in our bodies. So what does this mean for you? First, it means that you need to reflect upon and understand who you are in relation to your physical development. One cannot build up false expectations and plan on running a marathon in his or her thirties quite as well as he ro she may have ran it in his or her teenage years, nor can a teenage girl expect to understand her body the way a forty year old woman understands hers.

More importantly, we must understand physical maturity as a singular element of personal development apart from emotional maturity. In that case, how is emotional maturity different? Emotional maturity is one's "full development" emotionally. Obvious enough, but how do we understand our emotional development? Unlike physical maturity, emotional maturity is not easily defined. It is not quantifiable.

We can't use a science lab to calculate an individual's emotional maturity. Emotions are volatile and difficult to understand. Although everybody views this subject differently, I would like to lay down a few irreducible concepts on the subject First, development occurs through time. Without time, there can be no development, no change. As time passes, we, as humans, experience. We experience a whole host of things: So, as time passes, we develop by experience.

Without experience, we don't develop. From this, I determine that emotional maturity depends first upon experience. Despite this, experience does not necessarily mean we develop. Our experiences can result in detrimental changes that hinder our maturity. Put another way, our experiences can prohibit our emotional development.

This means that we as human beings must use some sort of medium to translate these experiences into positive development.

This medium is reason. Our rational facilities allow us to see, hear, smell, taste, and feel our environments.

Not only that, but our rational facilities also allow us to process this information. The progress of our emotional developments depend on how we process this information. For instance, lets say that Jon's pet cat dies. Although he can react in many ways, we'll just examine two. He can say to himself, "I'm sad my cat died, but I'll move on, raise a new cat, and remember the great times I had with the old one. I'll never move past this. Its my fault the cat died.

I should have given him fewer treats and more cat food. In this way, over time, we construct principles based on the way we process our experiences. These principles are our personal convictions. How did I conclude that? If maturity is our apex of development, then we as human beings are capable of the greatest happiness, the greatest achievements, and the greatest understanding when we are fully developed.

For the reasons stated above, I believe that experience and proper reasoning are necessary for proper maturation. So, again, "Emotionaly maturity is the sum of experiences and personal convictions that allow for one's greatest personal potential.

If that is emotional maturity, how does physical maturity come into play? If emotional maturity and physical maturity sum to an individual's total level of maturity, then I would define maturity as such.

The more mature we are, the more we can achieve. It is important to understand in context of where we are in our development. The average ten year old child is simply not capable of achieving what the average thirty year old can achieve, nor is that ten year old child capable of dealing with difficult situations in the same way that a thirty year old deals with them.

The child has not had the experience nor the kind of personal convictions that an adult does. So what does it all mean? It means that we must strive to be as mature as possible given our varying situations. It also means that we must reconsider how we teach children to live their lives and how we govern our society.

If age is a measure of physical maturity, then is it true that no individual is emotionally mature enough to consume alcohol until he or she is of twenty one years of age? Is a woman mature enough to be a mother simply because she is thirty? Are seniors more mature simply because they are older? Of course, the older one is the more one has experienced, but experience alone, remember, does not directly translate to maturity. Maturity is too often overlooked and misunderstood. Students who have better understanding of diversity can appreciate, team up and learn from others with a different nationality, culture, or race and provide better solutions to a problem by combining diverse views.

They also show great skills required to work successfully in teams and able to respond effectively to the demands of all kinds of customers. The Intercultural Maturity Model is known as one of the best models established axter that emanated from Kegan's Lifespan Development Model. Kegan explained that individuals who are matured are able to response to difficult jobs more effectively than others. People plan their lives, keeping a balance between their own interests, interest of others and…… [Read More].

Sexual Development and Maturity Begins. It is not hormone levels, according to Carlson that affect sexual orientation. Hormone levels in heterosexual and homosexual individuals have been found to be similar. However, instead, it is exposure to hormones prenatally may be the cause.

Prenatal exposure to androgens is believed to have an effect on the structure of the brain, which in turn affects sexual orientation.

Kruijver and Swaab and Motluck both found significant differences in three subregions of the brain when examining deceased heterosexual men, heterosexual women, and homosexual men. Both pieces of research show that the suprachiasmatic nucleus is larger in homosexual men than it is in heterosexual men or women. In contrast, heterosexual women and homosexual men have a smaller sexually dimorphic nucleus of the hypothalmus, when compared to heterosexual men.

The third subregion both sets of research noted differences in was the anterior commissure. Interestingly, in homosexual men and heterosexual…… [Read More]. Equity the Yield to Maturity. Therefore, the cost of equity is relatively low. The debt-to-equity ratio by market value, as calculated from the previous report, is The asset beta reflects the degree to which the company's business performance is related to the overall performance of the economy.

Intuitively, JNJ's business is not strongly related to the economy. They product everyday consumer products that are not luxury items, and they produce pharmaceuticals that again are fairly essential items to their consumers. This reduces the demand elasticity, which will be reflected in a low-risk business. Memory Meets Maturity in My. It is an odd closeness he experiences with his father. In "Those inter Sundays," we find a more definite appreciation for the father in the poem.

The adult can look back and see how his father and know he was not punishing him but merely looking out for the family.

The speaker asks, "hat did I know, what did I know" Hayden 14 realizing his ingratitude is worse than what his father made him do. Interestingly, it is what happened on those cold mornings that made the speaker feel a warmth and affection toward his father. Through personal experience, each poem focuses on life, responsibilities and affection. These poems demonstrate how memories do not need to be good to be significant or meaningful.

Both speakers are remembering moments of anxiety shared with their fathers and it is because they shared them with their fathers that make the memories worth remembering…… [Read More]. Investments the Consideration of Term to Maturity. Duration in the Investment Decision Seasoned financial experts will consider numerous factors when considering potential investments. Common considerations for fixed term securities, such as bonds, will include risk and reward, with the reward assessed through the yield to maturity.

However, while the element of yield is important, it should not be the only primary area of consideration; duration, or term to maturity, can also be an essential factor in an investment decision Goldman Sachs, ; Gatzert and Kosub, The duration of an investment may be necessary for a number of reasons, these include, but are not limited, to the link between term and reward, market uncertainty, and the need for liquidity. Duration and reward Duration links to the risk and reward element of an investment decision.

Generally, longer term investments will provide a higher return compared to short-term investments with similar perceived levels of risk.

At the current time,…… [Read More]. Demographic information is an important tool when examining the future of any country, be it a developed county or a less developed area the economic impact of an aging population, the changing politics of a large youthful generation, or the growth or decrease in a country's population are all predicators of future situations. This paper will examine two countries, that of Japan, a more developed area, and Thailand, a less developed country.

By understanding the differences between these areas, and by examining how each country plans to deal with aging populations and quality of life issues, one is better able to understand the impact demographic information has on the future.

A comparison between the populations is easiest when examining the population pyramids of the two countries in First, when examining the current population of Japan, it is clear that the largest populations exist between the ages of thirty to…… [Read More]. Basis in Philosophical and Religion Worldviews. Moreover, religious and philosophical worldviews impact the ways leaders guide, teach, and serve others.

Worldview extends beyond religion. Defined loosely as "visions of life," worldviews encompass the "beliefs, values, and principles" that guide behavior and motivate change Valk, , p. A worldview is a set of mental constructs that impacts the formation of biases and stereotypes. Biases and stereotypes can come in the way of effective leadership.

On the other hand, worldviews are influenced by religious beliefs. A worldview is a paradigm of life. Although a worldview affects more than leadership effectiveness, there are few areas in which…… [Read More]. Accounting There Are Several Principles. The company will note the fair value change in a footnote, but will not record such a change on either the income statement of balance sheet Spiceland, et al.

If, however, it becomes necessary to sell investments previously classed as hold-to-maturity, then the following adjustments are made. The cash received from the sale is recorded along with any discount on bond investment is sitting as an asset.

The investment in the bonds will be recorded at face value. Any profit above face value will be recorded as gain on investments. This essentially ensures that the asset for discount on bond investment is reversed as a result of the sale. Cmm Applications of Software Modeling. Kotch, The level would be characterized by a lack of quality controls and clear managerial standards and objectives, with little supervision and employee 'check ins' in the form of meetings.

Defined but inappropriately so Project management at this level would set goals, and have a set schedule, but the goal objectives often create chaos because they were inflexible or unobtainable in the entirety. There may be a clear leader, but there is no clear chain of command beneath the leader. Critically, there is an absence of standard operating procedures for management and ways of…… [Read More].

Incarnating the Sacred When faced with the term "religion," it is more common than not that a person would associate the word with some kind of symbol. Christianity, for example, is associated with the cross, Judaism with the Star of David, and so on.

Festivals also play an important part in making religion real to its adherents. Many Christians, for example, celebrate Easter as the victory of Christ over death. There are also many, many Catholic festivals that celebrate various events in the Christian tradition. Buddhism also includes many different festivals, including the Plowing Festival and the Festival of the Tooth.

These, as well as traditional ceremonies and festivals, are often extremely colorful. Symbols are also often made into material objects such as jewelry that the adherent can wear to demonstrate his or her affiliation to a certain religion. And example of this includes medallions, such as…… [Read More]. Strategic Alignment in the Last Several Years. Strategic Alignment In the last several years, the Strategic Alignment Maturity model is focusing on understanding how an organization can evolve with the different challenges they are facing.

This is achieved by carefully examining the business and IT configuration of the firm. To fully understand how this works requires comparing the model with an actual health care organization i. These insights will illustrate its effectiveness and how it helps companies to adapt. They are focused on primarily delivering affordable low cost solutions to patients. This is accomplished by controlling expenses and investing in areas that will address their continuing needs.

To achieve the objectives the firm operates three divisions to include: Selling Into Enterprise Corporate Marketing. Positioning strategies serve as the foundational framework for strategic marketing plans and planning, execution, management and evaluation of marketing strategies.

Positioning is also used for defining how a company's products or services are differentiated within a customer segment. For example, Apple uses positioning very effectively selling its high-end iPads. Apple does this to position themselves above the myriad of Google Android-based tablets who are competing primarily on price.

Apple also uses positioning successfully to sell more on value and less on price. Positioning not only defines the competitiveness of a given product or service relative to competitors, it also communicates the unique value and differentiated features as well Perreault, Cannon, Apple excels at this type of…… [Read More]. Marketing When a Product Enters.

The market mix consists of product, price, place, and promotion. Differentiation is a promotion strategy - a new way of selling the product to the marketplace. Feature diversification is a mix of product and promotion. Minor additions or changes to the product are heavily promoted. Price-cutting is a price strategy.

Saturation is a combination of product, place, and promotion. New products are added to the mix, sold in more places, and more heavily promoted.

The first strategy I would employ to defend a dominant position in a mature market is differentiation. This strategy, if successful, will discourage newcomers from thinking they can win more than nominal market share. It will also preserve margins and maintain the strength of the brand, which price-cutting will not do. Furthermore, unlike saturation or feature diversification, it does not require any investment in new product development, making it a more…… [Read More].

This work will additionally answer as to whether the presence and ease of availability of pornography to the general public a tribute to free speech and a reflection of social maturity or an example of the potential damage that unregulated markets and the hegemony of technology have reaped upon society?

The Internet is such that allows consumers, businesses, and industry, alike to "do many new things in unique and efficient ways. Some of those areas include protection of intellectual property, fraud prevention, protection of freedom of expression, protection of privacy,…… [Read More].

Financial Derivatives Financial Derivitives a. The Black-Scholes-Merton model assumes circle one The return from the stock in a short period of time is lognormal The stock price at a future time is lognormal The stock price at a future time is normal None of the above Volatility can be defined as circle one The standard deviation of the return, measured with continuous compounding, in one year The variance of the return, measured with continuous compounding, in one year The standard deviation of the stock price in one year To create a range forward contract in order to hedge foreign currency that will be paid a company should Circle one Buy a put and sell…… [Read More].

Opportunity to Make an Investment. Price for bond a: However, the company is likely to obtain similar CAG of 5. The WACC weighted average cost of capital is the average interest rate that a company should pay in order to secure a project. Moreover, WACC is the average rate of return that a company must earn from its current assets to satisfy investors, shareholders and creditors. Since FedEx Corporation is always trying to create value for shareholders, the paper calculates the WACC of the FedEx to evaluate the company ability to generate returns from its assets.

Zero Coupon Bond Is One. An increase in inflation will bring an increase in interest rates, all things being equal. In such a situation, bond prices will go down. If the expected rate of inflation drops, bond prices will increase in anticipation of a potential interest rate cut.

The intensity of the price change will depend on the maturity of the bond. Part of the bond's price is determined by its time value, which is the risk of an adverse change in interest rates. Longer bonds have greater interest rate risk, therefore they are subject to more intense changes as a result of changes in the expected inflation rate. One outcome of this is a change in the yield curve. If inflation is expected to drop, bond prices will increase.

This will reduce the yields. Because the long end…… [Read More]. Managing Life Cycles in an. These symptoms should be identified by the management team beforehand, even as early as in the planning stage. This is then used by the team of observers to identify any problems relating to dry rot in the company.

The observing team and management team then work together to once again implement new ideas regarding products and services. In order to deal with rivalry, a marketing team can be formed in order to respond to the challenge offered by rivals in terms of new products and services. The rival's products and services can then be observed by this team, after which improved products and services are then created. Challenges in the Growth and Maturity Phases Challenges in the growth phase are mostly related to issues of revenue generation, and implementing new products and services, as well as employing new people.

The focus is on maintaining a steady rate of development. Billy Bob Bought Shares of Stock. What is Billy Bob's annual rate of return? Since Billy Bob held the investment for 54 years, the annual rate of return is best calculated using the compound rate of return formula: Filling the data into the above formula: Billy Bob's return on his investment in Ben's Barbeque is 1.

What is the approximate yield to maturity of the bonds? Using the following formula: Indian Camp and The Garden.

The scene is full of hope and joy, and the use of light helps to illuminate this mood. Once Laura crosses the road, the scene is described quite differently. At first it is "smoky and dark," however Laura does manage to see in some of the cottages flickers of light in the shadows.

These flickers of light represent flickers of hope, but they are far less luminous than those which were presented during the garden party. Nick and his father start off their journey in the dark of night, which signifies the lack of knowledge that surrounds Nick, and his blindness to the events that are about to take place in the shanty in the Indian camp.

Like Laura's experience in the village, Nick too is able to see…… [Read More]. Return on Financial Assets. Return on Financial Assets There are a number of factors that affect bond pricing. The basic bond pricing formula is as follows: Investopedia In this formula, the coupon payments, number of payments, interest rate and value at maturity are taken into consideration.

The question at hand pertains to bonds that are the same in all characteristics except time to maturity and risk level. The risk of the bond will be reflected in the interest rate and the time to maturity will be reflected in the number of payments remaining on the bond. Initially, it is easy to make a couple of basic assessments. This places BBB X bond last. Finance Fundamentals of Finance Assuming. Strategic Marketing Analysis for Hutchison.

For example, as Sheridan emphasizes, "When Short Message Service SMS was first introduced on mobile phones, it was seen merely as an extra feature that might be used by people on an irregular basis. But in fact, text-messaging turned out to be one of the device's most desirable assets, and is regarded by many as one of the most significant cultural developments of the past decade" p. Given its enormous popularity, this feature of the company's product line could be refined, for example, to provide instant language translation services into the predominant languages used throughout the European Union.

Language translation features, especially Spanish to English, would also be desirable for the company's strategic partner in Mexico, Grupo Iusacell, the country second largest wireless carrier Business and your money, Likewise, the existing charges for SMS services could be reduced or even eliminated , thereby keeping existing customers satisfied while…… [Read More]. Intellectual ights and the Business Cycle Intellectual rights are something that almost every business today has to deal with in some form or other.

While the concept is a relatively new one, it has, nonetheless, become a concept that no business today can afford to ignore. Intellectual rights can affect every part of the business cycle, and a company that ignores this issue does so at its own peril. Businesses can be forced out of business or find themselves in complicated legal trouble over intellectual rights if they abuse the intellectual rights of others.

Businesses can also find themselves mired down in lengthy court battles and in financial peril if they ignore their own intellectual rights. This paper examines the issue of intellectual rights as they apply to all aspects of the business cycle. What are intellectual…… [Read More]. Product Strategy and Product Life Cycle. Product Strategy The development of a product strategy is one of the most important components of introducing new products into the market.

A product strategy is defined as a roadmap that provides an outline of the end goal of a product and what it would become upon completion. Business organizations increasingly develop and utilize product strategies because of their significance in strategic planning and marketing with regards to the achievement of desired organizational goals and objectives.

The formulation of a product strategy is also critical because products and services usually undergo a life cycle of new product introduction, growth, maturity and decline. The different stages in new product introduction have considerable impacts on the marketing strategy and promotional initiatives.

An example of a product strategy is the introduction of a new software product in the market. Relationship Development Some Components Must. For these to from part of the way of operating they are institutionalized at the end of every thing. Looking at the permutations of relation development in business may have very little significance as with the summary of Hallen and Wiedersheim-Paul which may be considered to be the best since they deal with the four stages; pre-contact, initial interaction, development and maturity.

Pre-contact Since the related parties have been apart, the perception on their sides rely much on second hand appreciations of the whole nation, hence the initiation of cultural affinity as a starting variable. In consistency with the previous work by Inglehart secondary information can provide the basis of determining the level of trust, which can impact significantly on the subsequent relationship. The existence of a positive attitude at this stage towards other culture can work as mitigation towards trust development.

Communication is an important factor since…… [Read More]. Value of Money a Common. Although this does not necessarily have an immediate monetary translation, it shows that the individual will prefer to receive his money and dispose of them earlier rather than later on. On the other hand, we can indeed see that the present value of money is greater if we can deposit the money received at time t0 to a simple deposit account, with a certain interest rate.

We will expect that amount of money to gradually increase over time and to reach a higher value some time in the future. As we can see from this example, the time value of money does not only fluctuate, but actually increases from moment t0 to moment t1. Does one always earn the yield to maturity on bonds? In order to best explain this, we need to further clarify the concept of yield to maturity on bonds. The final yield…… [Read More].

Economics of Banking General Economic. Over the long run, what is the primary determinant of the price level? Supply and demand, with price acting as an equilibrator b.

Over the long run, what is the primary determinant of inflation? The supply of money as compared to changes in productivity. How is inflation related to the nominal interest rate? Expectations of future inflation are one of the key factors in determining the nominal interest rate, the other being the 'core' interest rate, or the inflation-free level at which one is willing to lend money which differs according to the issuer and associated risk premium.

Describe each of the following financial institutions. If it…… [Read More]. Business Definitions Stock Split A. An exchange where shares of stock and common stock are sold and purchased.

A secured bond is a bond issued with the backing of collateral. A common example of a secured bond would be a mortgage bond. If the bond is defaulted on, the title of the collateral is transferred to the bondholder. Factoring occurs when a company sells their accounts receivable, or customer's debt, to another entity at a discount.

The entity then assumes all credit risk of the account debtors, and receives the cash as these debts are settled. This process is also known as accounts receivable financing. Trade credit refers to a company's open account arrangement with vendors. As the company makes purchases, the vendor debits the company's account, and bills them for this credit transaction. Economic Trends in Terms of Output and. Japan's economy has contracted in Q2 by 0. It's rate has been volatile, growing rapidly over the past year only to contract again.

The UK's growth rate is 1. Real GDP growth is on a downward trend in the U. But has maintained healthy levels since Q4 All four countries were affected by the recession. Each experienced real GDP declines during the period. Japan was the hardest hit.

Yet each nation recovered in , only to see the rate of economic growth slow again in Target's chart, however, shows that the company has tracked the market and GDP fairly closely, indicating that perhaps it does not trade the way a discount retailer should.

It competes in pharmaceuticals, consumer products in the health and beauty segment and in medical devices. The company was founded in and today is a multinational conglomerate with operations in 57 countries and with approximately subsidiaries.

To a certain extent, JNJ's product line is price inelastic. Pharmaceutical demand is tied to overall consumer demand and the state of the economy, but not to the same extent that many other consumer products are. As a result, JNJ would be expected to have less significant swings in its stock price relative to the GDP, other macroeconomic indicators, or the Dow Jones. The stock, however, has traded roughly in line with the…… [Read More]. Small Growth Joy Global Inc.

Consumer Services -- Investment Style: Processed Pkgd gds -- Investment Style: Small Growth Introduction Investing today is about taking advantage of growth from a broader…… [Read More]. Company or Organization Preferably the. The exponential growth of the Internet has also served as the catalyst for the growth of highly collaborative, interactive forums and platforms on which Delphi-like brainstorming can be accomplished Decker, Wagner, Scholz, Conversely many of the external relationships companies have and that are essential to understanding how the strategic planning process will impact an organization lend themselves to quantification.

An example of this level of quantification of external factors is the use of frameworks for evaluating the performance of supply chains over time, a process area that can be highly quantified through the use of maturity models and measurements of performance over time Gilmour, Both of these extremes, qualitative data analysis through the use of techniques including writing of scenarios, brainstorming and the Delphi technique to the extremely quantitative, both require organizations to have a fairly high level of interprocess maturity and development to be able to manage…… [Read More].

Bernard of Clairvauxs on Love For anyone wanting to learn about the simple and complex realities On Loving God, the early writings by Bernard of Clairvauxs present a great place to start. His assessment is written in old style but is pretty easy to understand and relate to. It's encouraging too that he writes with humbleness about the kinds of difficult questions of what love is and whether or not he is the best one to provide answers.

The following quote is an example of the way the writer Halsall, no date of editing or reformatting summarized this sense of honesty, Yet I am glad that you turn again for spiritual counsel, instead of busying yourself about carnal matters: I only wish you had gone to someone better equipped than I am. Still, learned and simple give the same excuse and one can hardly tell whether it comes from modesty…… [Read More].

The Shop was an immediate success due to certain reasons that are still part of her present strategy. One of the most important factors that contributed to her success was herself: This helped her attract customers as people find it easier to trust someone who was well aware of the needs of runners.

Secondly, when she started her business the fitness craze has just hit the country and people were ready to buy shoes specifically design for running. Thirdly, she had super quality Nike shoes that boosted her profits and added to the number of her regular buyers. However, soon her profits stabilized and her shop has entered the maturity stage of its life cycle. However, the market in which operated is at a different stage. It is expanding rapidly and…… [Read More].

Meeting the Needs of the. The teachers were given professional development instruction solely to deal with students with special remedial needs. Teachers were told to identify the gifted and talented if they felt a student showed a unique aptitude but were not given specific instruction as to how to do so. For students who had tested as Advanced Proficient on the NJASK, teachers staid they did strive to make their instructional plan more challenging, enlightening, and intriguing to gifted and talented students.

They said they tried to group students of similar ability together and give the gifted students more challenging work and when assigning individual projects such as reading novels and open-ended math problems.

They said they gave the gifted work that was above grade level, in contrast to the student's peers. While the teachers claimed to differentiate instruction and said that this was adequately met by in-class tracking, they also admitted to feeling overwhelmed…… [Read More]. They are also increasingly differentiated by features, such as thinness and shakeability. The success of the iPod has not only driven revenues directly, but has also had the desired effect of improving computer sales.

At present, the iPod is unlikely to experience steep decline in the marketplace until it is eclipsed by new technology. The iPhone represents one such threat, but diffusion of that product will be at a slower pace than the iPod experienced, because of much more intense competition from cell phones and PDAs. However, iPods tend to last only a couple of years before consumers seek to upgrade…… [Read More]. Finance the yield to maturity on a Treasury bond that is due Mar is 0.

In general, the cost of equity for a firm is fairly high. The reason why al-Mart has such a low cost of equity is that the company's beta is so low. As a result, al-Mart's cost of equity is low, because it is much less risky than the market as a whole.

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Aug 10,  · Here's a short essay I wrote today on maturity that I haven't revised too much. I'm eager to hear all comments and criticisms. Maturity. Maturity.5/5(1).

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An essay or paper on Maturity of a Person. Being a mature person doesn"t just happen over night, and maturity doesn"t necessarily have an age. Rather Maturity depends more on a persons sense of wisdom, humility, and responsibility.

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Maturity can be defined to as the development of spiritual, intellectual, emotional, and volitional capacity of an individual. Other people refer to it as the ability of an individual to act responsibly. - Maturity Levels in Characters Maturity levels increase and decrease in characters in works of literature and also throughout one's real life. It's hard for the maturity level of the person to stay the same.

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definition essay (maturity) Shaynde Garfinkel Mr. Hoffman Honors English 10 28 January Maturity Merriam-Webster defines maturity as "having or showing the mental and emotional qualities of an . Maturity in The Adventures of Huckleberry Finn Essay Words | 4 Pages. Maturity in The Adventures of Huckleberry Finn "To live with fear and not be afraid is the greatest sign of maturity." If this is true, then Mark Twain's Huck Finn is the greatest example of maturity.