Life of Baruch Spinoza Assignment Example | Topics and Well Written Essays - 250 words

Life of Baruch Spinoza - Assignment Example His point of view that everything that exists results from God describes Spinoza’s works. He asserts that God’s characteristics are limitless, and mankind can just see thought and expansion. Such a recognition rules mankind as in the idea of God goes past what is obvious. Such a view of morals drove him to carefully record his works named â€Å"The Ethics.† As such, Spinoza accepted that morals can result from the conviction that â€Å"God or nature† characterizes everything (Spinoza, and Morgan, 2006). He summed up his works with the statement that the information on God is the best acceptable as it wipes out dread, mistreatment from wants, and results in gifts. Notwithstanding the entirety of his philosophical works, Spinoza earned a living from crushing focal points. He carried on with an unassuming life living at The Hague. In 1677, Spinoza experienced lung disease owing to breathing in fine glass dust. He kicked the bucket later on before turning 45. His works stay substantial during that time because of his acknowledgment of the connection among God and nature (Spinoza, and Morgan,

Stages of writing development Personal Statement

Phases of composing advancement - Personal Statement Example I built up my thoughts in casual composition and class conversation and afterward through composing interpretive essays.These exercises, I accept assistance to mean to build up the composing aptitudes required for achievement in school and on the planet after school. The course likewise spoke to a prologue to the investigation of writing and through it, I accept that my composing has gotten progressively custom-made. This class trained me to go past the basic equation of the five-passage article. Expanding on natural standards (with respect to postulation articulations and theme sentences, for instance), I was offered chances to make longer articles utilizing an assortment of hierarchical strategies. Therefore, I won't be scared by the more drawn out assignments and I will utilize all that I definitely think about making papers for my writing in other branches of knowledge. My papers in my different classes will be based on my involvement with this one. For a long time, I will be approached to peruse, do investigate, assemble information, dissect it, consider it, and afterward impart it to others in a structure in which empowers them to asses it and use it.

Are 0% APR Offers a Scam - OppLoans

Are 0% APR Offers a Scam - OppLoans Are 0% APR Offers a Scam? Are 0% APR Offers a Scam?Learn how these types of loans work to protect both your monthly balance and yourself from running into a bad credit situation.The higher a loan’s annual percentage rate, or APR, the more you will have to pay in interest and fees on that loan. That is why, all else being equal, you will want to find a loan with the lowest APR possible. By this logic, a loan with 0% APR would be the best loan of all â€" or so one might think.Anything that sounds too good to be true probably is, and that rule definitely applies when it comes to 0% APR loans. It’s all a matter of timing.The truth behind 0% APR loansThe only way to get a true 0% APR loan is to borrow money from a friend or family member who is willing to lend it to you at no cost. Any other so-called 0% APR loan or credit offer is just a temporary situation or will come with certain stipulations.“If you miss on-time payments or making the minimum payments, your 0% perk can be revoked,” says Jared Weitz, C EO and founder of United Capital Source Inc. “Even a single late payment can be reasonable cause for the bank to increase your interest rates. If your bank writes 0% APR in bold advertisement on the card, read the fine print. Not all transactions will fall within the percentage.”Of course, there are almost as many different kinds of 0% APR loans as there are loans in general.The partial field guide to 0% APR loansSince you should approach any 0% APR offer with a hefty dose of scrutiny and skepticism, it is important to have a sense of the different kinds of offer you are likely to encounter.Mike Scott, a senior mortgage loan originator with Independent Bank, offered a few examples of typical 0% APR offers:Automotive loans“The 0% APR offer is often in lieu of certain rebates. Depending on your credit, down payment, and the term of the loan, it may be better to take the rebate instead of the zero interest rate.”Credit card offers“Credit cards often will offer a 0% rate for n ine to 18 months, but many of them also charge a balance transfer fee of 3%. If you pay the 3% balance transfer fee, then the effective rate on the card is not 0%. If you pay the balance off in 12 months, the effective rate is 3% or more, since the assumption is that your balance is declining throughout the year. If you pay it off in 12 equal payments, the effective rate is actually 6%, since your mid-point balance is going to be half of the original transfer.”General purchases“They offer ‘no interest if paid off in 12 months’ or something similar. Many of those have a stipulation that, if you go past the offer term, you pay all of the interest that accrued during the term. In other words, if you take 13 months to pay off the balance rather than 12, you will pay the interest that would have accrued during the entire term.Using 0% APR offers to your advantageEven though many 0% APR offers may be trying to take advantage of you, there are some that you might be able to use to your advantage.“Many clients have transferred their balance to a card with an 18-month 0% offer in order to get ahead of their credit card payments,” says Nathalie Noisette, owner of Credit Conversion. “If the offer was only six months, it may not have been worth it. Another reason a card with an introductory rate of 0% may be good is if you plan on making a big purchase.”Of course if the card has a balance transfer fee, you will need to take that into account. Remember that most credit cards have a grace period, and if you pay the bill in full each month, you may be able to avoid paying any interest at all.Always follow the essential finance rule: Never sign anything unless you are absolutely sure what you will have to pay, when you will have to pay it, and if you can comfortably make those payments.ContributorsNathalie Noisette  is the founder of  Credit Conversion, a credit counseling and repair company located in Avon, MA. Credit Conversion uses principles of behavioral change to only allow clients to improve their credit score and understand the habits that lend to poor credit. Follow her  @credconversion.Mike Scott is currently a senior loan officer with 20 years of experience in the mortgage industry, specializing in low- and moderate-income lending, first time homebuyer programs, and down payment assistance. Before that, he worked for five years in consumer lending, mainly in the automotive industry. He has been a regional production manager for one of the big banks for several years before choosing to work for smaller, more responsive banks. Follow him  @IndependBank.Jared Weitz  has been in the financial services industry for more than 10 years. Due to his extensive work experience and deep network of close financial relationships, he handles a multitude of different finance options for his clients and contacts. Throughout the years, he has held positions in some of the largest business financing companies in the United States. Some of his ro les have been: underwriter, director of business development, managing partner, and currently, CEO of  United Capital Source, LLC. Follow him  @jaredweitz.

Distribution Channels and Consumer Adoption - 689 Words

3. THEORY AND LITERATURE REVIEW This chapter will present the theoretical framework used in this master ´s thesis. This chapter gives an overview of theories explaining distribution channels and consumer adoption. Ending with a literature review in financial service research, a research area closely related to digital receipts. 3.1. Distribution channels A distribution chain also known as value chain can be described as a set of interdependent organizations or businesses involved in making a product or service available, from producer to end customer (Kotler, et al., 2012). The function of the value chain is to contribute with cost- efficient activities and simplify the purchase process (Coughlan et al., 2006). But if the chain consists of many actors the ones far back could have limited or no contact with customers resulting in lost of valuable information (REF). According to Bucklin (1966) it’s important to understand customer preferences when designing the value chain. This because the value chain will only be viable over time if customers feel that it provides a form of value. This value is created if the actors of the chain provide activities that result in cost- efficiency and/ or better service. There are five service performance areas where actors can create this value: unit size, availability, waiting time, variation in production and information (REF). When designing value chains one must take into account three important dimensions. These are: 1) the lengthShow MoreRelatedThe Digital Revolution Is Responsible For The Largest Societal Shift Essay1671 Words   |  7 Pagesstrategy. Each of these themes is discussed below. Context The digital revolution is responsible for the largest societal shift in history- the rapid rate of consumer uptake in the use of internet as a new technology beats the adoption of other technological developments significantly. 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Miguel Cervantes - 1543 Words

Miguel Cervantes Miguel Cervantes and William Shakespeare, two authors at the pinnacle of the cultural rebirth of Europe during the 1500s, ironically died on the same date (this fact is a bit confused by the distinction between the Julian and Gregorian calendar. Indeed they both died on the date of April 23, 1616, but England had not converted to the Gregorian Calendar, so they did not die on the same day, but they did on the same date, as Spains Julian calendar correlated Cervantes death to Shakepseares). Shakespeare even read Cervantes masterpiece The Delightful History of the Most Ingenious Knight Don Quixote of La Mancha, but it is probable that Cervantes never even heard of Shakespeare, let alone read one of his plays or†¦show more content†¦The only part that survives to this day discusses his enslavement and reveals it as a major influence on his writing. In addition, the story follows the life of Galatea (for whom the novel is a namesake), an ideal female (probably modeled after Cat alina de Salazar y Palacios). This idea of the ideal female is a prominent mark of humanist and Renaissance literature, and was probably passed on to Cervantes by his professor from Complutense, Juan Là ³pez de Hoyos. The Decameron by the Italian Boccaccio is best known for presenting the ideal women Fiammetta, who is modeled after the love of Boccaccios life. Cervantes was not one of the most successful tax collectors that King Phillip II had ever seen. In fact, at least one time he had a public debt, and was sent to prison to rectify this fact. It is during his stays in prison that Cervantes conceives Don Quixote, which was published in 1605. Don Quixote tells the story of a disillusioned knight who perambulates throughout the Spanish countryside. Famous episodes of Part I (the novel was actually split between two installation, with Part II being published in 1615, just a year before Cervantes death) involves Don Quixote attacking a windmill taking it to be a giant that he is ch ivalrously bound to slay. Other chapters see The Knight and his companions storming common town buildings, mistaking them for castles that they are entitled to enter. Although itShow MoreRelatedEssay on Miguel de Cervantes865 Words   |  4 Pagesquartger of Alcala (a university town 20 m. northeast of Madrid) was born Miguel de Cervantes--his father a barber-surgeon by trade. In his life, Cervantes would be poor, mostly self-educated, physically mutilated, a slave, a jailbird, a social outcast, throughout most of his life an obscure failure. From this life of hardship-enriched soil would come, late in life, books that would bring him fame. Miguel de Cervantes was not famous when, in late 1604, Don Quixote, was published. 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In The Ingenious Hidalgo Don Quixote de la Mancha, author Miguel de Cervantes attempts to satirize the medievalRead MoreDon Quixote, By Miguel De Cervantes Essay1404 Words   |  6 PagesQuixote: Don Quixote as written by Miguel de Cervantes is a fascinating story as it portrays fiction by subtly displaying it through realism. It is simultaneously a work of fiction and an analysis of fiction, or metafiction, meaning a fictional story revolving around a fictional story. The grand adventures and impossible things that happen are shown via the lens of a state of mind, rather than described as the actual events that are happening. Miguel de Cervantes deflects culpability on his charactersRead MoreWilliam Shakespeare s The Works Of Miguel De Cervantes1783 Words   |  8 Pageswithout the use of his left arm, Cervantes returned home to Spain in 1580 after being held captive in Algeria for five long years. 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It was originally performed by the Bolshoi Ballet of Moscow and choreographed by Marius Petipa in the year of 1869 with the music of Ludwig Minkus. Now days there are numerous Ballets performing it all over the world. The Miami City Ballet has adopted this performance as part of their season content, giving the Spanish play a hint of Latin American taste with severalRead MoreA Spanish Novel, The Renegade Adventure of Don Quixote by Miguel de Cervantes Saavedra556 Words   |  2 PagesDon Quixote is a Spanish novel by Miguel de Cervantes Saavedra. It follows the adventures †¨Ã¢â‚¬ ¨of Alonso Quixano, a retired elderly man who develops a fascination with chivalrous novels †¨Ã¢â‚¬ ¨eventually become delusional, believing everything written to be true and currently going on in †¨Ã¢â‚¬ ¨the Spanish country side where he lives (La Mancha). The novel itself contains a narration of †¨Ã¢â‚¬ ¨Quixote’s adventures. These adventures are broken up into â€Å"Sally’s†. The first Sally feature †¨Ã¢â‚¬ ¨Quixote’s first â€Å"quests†. After

Athenian Women The Ancient City State Of Athens Essay

Athenian Women: The ancient city-state of Athens, spawned many of the essential ingredients of modern civilization--democracy, philosophy, science, and drama. However despite these aspects, Athens like many other civilizations throughout history, was dominated by men. Although the role of women in Athens is highly controversial, the examination of Athenian laws, philosophical and moral writings, and information about the conditions of daily life and the organization of society, reveals women were excluded from many aspects of public and private life. While men held a monopoly on every aspect of daily life, women remained secluded in the sphere of domestication. The primary role of free women in Athens was to marry and bear children. Athenian women, often married young, usually between the ages of twelve and eighteen, while husbands were often thirty years or older, when they were married. Marriages, unlike in other greek-city states, were highly emphasized in Athens, due to the economic and social rewards gained through beneficial unions. Women, particularly those belonging to the aristocracy, often had no choice of who they married, having their closest male relative choose the most beneficial partner. Similar to many other cultures, Athenian women married with a dowry, which was controlled by a male relative. â€Å"At marriage a woman became the legal dependent on her husband, having the the same (and no more) rights as the children she would produce.† (Backman, 112) If aShow MoreRelatedAthens And Sparta Vs. Sparta883 Words   |  4 PagesIn ancient Greece there were two major polises which allowed the Greek culture to achieve greatness during the 400-500 B.C.E. era. These two polises were Athens and Sparta; both city states differed in many ways before the start of the Persian War. There were low rugged mountains that separated these two city states so communication and travel were difficult. The government of these two city states can be seen as a primary difference between the two. Draco, Solon, Pisistratus, and Cleithenes wereRead MoreAthens vs. Sparta1146 Words   |  5 PagesDanielle Palawasta Athens vs. Sparta Persuasive Research Paper Henry/Lih- LA/SS- Per. 3/7 Due: 3/22/13 Envision a world where the people are ravenous and yearning for any remnant of food they could obtain, where the society is overrun and no one has a free say. This is the type of society the ancient Spartans would have lived like unlike the ancient Athenians. The Athenians lived a far more diverse life if compared to Sparta. Ancient Athens was better to live in than ancient Sparta due to itsRead MoreAthens †¦Democracy Realized?. . . Gregory R. Bowen. History1656 Words   |  7 Pages Athens †¦Democracy Realized? Gregory R. Bowen History 2321: World Civilizations II Feb 20, 2017 The Athenians’ of classical Greece are given credit for being the originators of the democratic model †¦giving inspiration to all future attempts at this system of government. While it was practiced as a direct democracy, with all eligible citizens having the right to vote, the question of just how democratic it really was, must be asked. Who was eligible to vote and participate in politicalRead More Athens-Greece Essay633 Words   |  3 PagesAthens - Greece nbsp;nbsp;nbsp;nbsp;nbsp;During the fifth century of Ancient Greece the city-states of Athens and Sparta represented two very different forms of living. Spartans directed their time towards their military capabilities while the Athenians were interested in comfort and culture. Sparta’s and Athens’ political and environmental differences along with their different views on women caused the two city-states to be very dissimilar. nbsp;nbsp;nbsp;nbsp;nbsp;Two major formsRead MoreAncient Athens: The Prototype for Western Democracy Essays1264 Words   |  6 PagesAncient Athens serves as a beacon within Western antiquity as the center for culture with its cultural advancements impacting the culture of today. Founded nearly 9,000 years ago, Athens formed itself as the center of Greek culture and education during the classical period. Considered the prototype for Western Democracy, it allowed for the rise of a citizenship of voters, something unique in the ancient world. The Athenian love of physical activity culminated in the Olympics, an event that thoughRead MoreAthens And Sparta From The Most Influential City States Of Greece Essay1479 Words   |  6 Pages Athens and Sparta were two of the most influential city-states of Greece. The daily life of both city-states varied greatly depending on which perspective you are viewing it from. Within this post I will visit the perspectives of men, woman and children of both city-states. Depending on which city-state you were born into could ultimately become an instant life or death decision. In Sparta and Athens, life began as a challenge. After birth it is said that Spartan infants were taken by the eldersRead MoreWomen During The Ancient World1206 Words   |  5 PagesThroughout the ancient world women possessed few rights and privileges. A woman’s freedom varied depending on where she was born, in this case Athens and Sparta. But it can be said that most women were second-class citizens during this time period. Most women had limited social roles, little education, and no involvement in politics. Power and freedom was something that only existed in a man’s world, while women were expected to be submissive, docile, bear children, and take care of the householdRead MoreAthens vs. Sparta Essay1193 Words   |  5 PagesAthens vs. Sparta During the times of Ancient Greece, two major forms of government existed, democracy and oligarchy. The city-states of Athens and Sparta are the best representatives of democracy and oligarchy, respectively. The focus of the times was directed towards military capabilities, while the Athenians were more interested in comfort and culture. It was the oligarchy in Sparta that put a war-like attitude as its first priority and best met the needs of Ancient Greece. These factorsRead MoreAthenians and Spartans : Difference in Values1369 Words   |  6 PagesHow and why did the values of Athenians differ from that of the Spartans? Ancient Greece provided the rudiments of Western civilisation; it has had a colossal influence on language, politics, educational systems, philosophy, science, and arts. In the following several pages I hope to demonstrate explicitly, the bold differences between the two provinces, and to suggest the relativity, of Ancient Greece conventions, to modern times. In doing this I will bring upon wars, economic stances, and most

Corporate Governance Ethics or Business Ethics

Question: Discuss about the Corporate Governance Ethics or Business Ethics. Answer: Introduction Ethical issue can be defined as a problem or situation that makes an individual choose between an alternative that is right or wrong. The aim of this report is to compare and contrast the main ethical issues of UAE companies and those found in America. As the business environment is getting complex, every corporate regardless of its size faces a multitude of ethical issues. Every organization has the responsibility to develop codes of conduct and ethics that every employee must abide and transform into action. Corporate governance ethics or business ethics can be applied to all forms of business where the ethical problems are examined as they arise in the business environment. Business ethics refer to the application of ethical judgment to corporate or business activities (Jeurissen, Rijst, 2012). The organizations face fundamental issues that are related to trust and integrity. A high level of trust can be developed between the people and business that leads to organizational success. The organizations may also face diversity related issues where people must be treated with respect. The organizations must conduct ethical practices and maximize the value of every employee. The organizations may face decision making issues where there is question of protecting employee and customer rights. The businesses are expected to comply with federal laws and environmental laws and the overall corporate governance (Jeurissen, Rijst, 2012). Similarities between Ethical Issues of American and UAE Companies There are similarities between the main ethical issues faced in America and UAE. This section analyses the similarities between the two nations. Scandals rock the foundation of business community and ethics plays a crucial role in the current corporate culture. The current ethical dilemma in Corporate America is that the top executives of the companies are found to possess unethical and illegal behaviour. Regardless of the size or the nature of company, the American companies are responsible to act ethically and uphold the most fundamental moral standards. According to the 2009 National Business Ethics Survey conducted by the Ethics Resource Centre, the responses of 49% workers out of 3000 of them stated that there was ethical misconduct in the workplace (Ethics.org, 2013). The issues were mainly reported as illegal political contributions, abuses and bribes. The ethical problems come from workers mistreating and harassing each other or where the business owners mistreat their employees thereby breaking the law. America faces common practices of assault and sexual harassment in the workplace. There has been a case where an ex-American CEO of the company kept sex clips on its server (Cnbc.com, 2015). Further, the immigrant workers face low wages, abuse and excess work with no payment for overtime. This problem is similar to that of UAE where the number of cases of sexual harassment is alarming. There are many cultures, traditions and religions mixing up thereby increasing the cases of sexual harassment by the caregivers, co-workers or friends (Khoori, 2014). According to the new decree launched by The Ministry of Human Resources and Emiratisation, the firms that do not pay wages to its employees for more than 10 days after the due date shall face punitive actions (Haider, 2016). It has been noted that UAE has been very strict about its wage payment policy because of which there are none or very few cases where the employees are not paid on time. Similarly, America has decree on late-payment or non-payment of wages. This induces both the nations to pay wage on time to its workers. Differences between Ethical Issues of American and UAE Companies There are differences between the main ethical issues faced in America and UAE. This section analyses the differences and makes a comparison of the same. The organizations may face decision making issues where there is question of protecting employee and customer rights. Several American companies have been known to mistreat its customers by lying to them or discriminating based on gender, nationality, sexual orientation and others. The employees understand what unacceptable behaviour is. The most common mistreatment faced by employees is that they are required to work even during holidays. The employee satisfaction is low as they need to handle a large amount of customers. There have not been many cases reported in the UAE for mistreating its customers as it is seen in American companies. UAE has worked on reducing waiting times and speeds up the complaints procedure while improving services. Another aspect where the American and UAE companies are different is in relation with breach of customer privacy. There is increasing concern in the UAE for privacy. In 2014, there was a case where employees were arrested for absence of data protection legislation. The employees were found guilty of breaching privacy of female colleagues for which they were sentenced to jail (Wilkinson, 2016). No such cases have been reported where the American companies have caused data breaches thereby compromising privacy of the colleagues. Therefore, corporate America is different from corporate UAE. Further, falsifying timesheets is a serious matter and it is a violation of state and federal law. It is argued that UAE corporate devised a technology that cut out the need to fill time sheets. According to Noble (2012), a Metro supervisor falsified timesheets of three employees over a 10-month period and paid $24,514 during that course. Therefore, he was convicted of theft of $10,000 by the falsification (Noble, 2012). Further, in UAE it was seen that Farnek, a facilities management company rolled out a system to track the maintenance and activities of 3,500 employees including cleaners, guards and workers. The company took its inspiration from the US study where 30% employees admitted to falsifying timesheets (Fahy, 2016). Moreover, 80% of the employees admitted that they conducted their personal activities during the working hours (Fahy, 2016). Therefore, there is greater transparency that leads to more accurate billing (Fahy, 2016). It is argued that the companies listen in the UAE are failing to show potential investors about compliance. The UAE companies have adopted compliance to a certain degree but there is not enough clarity in their roles. According to the report, the family-owned corporations in UAE are greatly prevalent and have the least transparency. There have been corporate scandals in the years between 2008-2013 including the misuse of funds by Dubai jeweller Damas and Shuaa Capital (Kerr, 2013). The local markets in Dubai are less likely to emerge in political interference. Therefore, the companies in UAE have started to take notion of open compliance by responding less reactively to regulatory issues (Kerr, 2013). According to the results of five biggest corporate scandals of 2016, it was reported that Wells Fargo, an American multinational company had employees who created fake accounts in the names of real customers (Matthews, Matthews, 2015). Further, Roger Ailes was found guilty of sexually harassing the former news anchor of Fox News. Moreover, Mylan's Epipen duped its customers by raising the price on drugs (Matthews, Matthews, 2015). As Mylan had monopoly over life saving drugs, there were investigations and antitrust violations in the pricing model of drug-maker (Matthews, Matthews, 2015). Contrarily, no huge corporate scandals have been listed or accounted for UAE. This suggests that the corporate governance and business practices in UAE are more ethical than that in America. According to Worstall (2014), on measuring the share of corporate profits in the US profit, it is argued that the corporate tax payments are not made by several organizations. It has been found that over 90% of the US businesses do not pay corporate income tax (Worstall, 2014). The scenario is different from that of UAE as the nation does not plan to impose income tax on individuals. Introducing corporate income taxes is still in its first stages and that there are consultations between local governments in this respect (Emirates247.com, 2015). According to Sengupta (2015), a Dubai based firm duped its customers of their belongings and money by using different names at different times. The most common victims were the Europeans who reported that the companies cheated with two floating companies Sovereign Relocation and British Budget Removals (BBR). The money was also duped n the name of Marine Registration Services LLC. Another case was reported in America where the largest loan company in US, Navient was found cheating millions (Foxnews.com, 2017). The student loan debt was the most prominent issue in the presidential elections. The people faced issues in repaying federal and private student loans serviced by Navient (Foxnews.com, 2017). Conclusion Conclusively, the American and UAE companies have ethical issues in its corporate world. From the above report and findings, greater cases of unethical practices have been reported in America than in UAE. Both the countries mainly face the issue of illegal political contributions, abuses and bribes. The number of cases of sexual harassment is alarming in both America and UAE. 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