Wednesday, August 26, 2020

Political Power in the Prince by Machiavelli Essay

Machiavelli contends in another significant work that the reason for governmental issues is to advance a â€Å"common good.† How does this announcement identify with the thoughts Machiavelli presents in The Prince? The way that two of Machiavelli’s most noteworthy and most well known deals with political force appeared on account of the ruin of his own political profession is very amusing. Increasingly unexpected anyway is the manner in which he negates his announcements in each book about the reason for political force. As recently expressed, one of Machiavelli’s significant works, alluding straightforwardly to The Discourses on Livy (1517), contends that the reason for political force is to advance a â€Å"common good†. In the interim, The Prince presents a ruler less stressed over the â€Å"common good† and increasingly worried about keeping up and extending political force no matter what. â€Å"Laws make men good,† states Machiavelli in book one of the talks, after a long clarification about how men made legislative issues to make request. From the start men looked for the most grounded and boldest among them to form him into a pioneer they could comply. Machiavelli at that point says: â€Å"From this start came acknowledgment of what is appropriate and acceptable, rather than what is malicious and wicked.† However, as time went on, the individuals got more enthusiastically to fulfill and governmental issues turned out to be increasingly entangled. New types of government and laws were made so as to maintain the individuals in control in light of the fact that as he states in The Discourses: â€Å"men will never be acceptable, with the exception of by necessity†. Straightforward pioneers turned into the dictators he advances in The Prince. They tried to be dreaded by their kin so as to be obeyed and look after force. In The Prince the pioneer is not, at this point the most grounded and the boldest, yet the reasonable, progressively insightful. The pioneer is one that can foresee things, for example, bad form and scheme and end it before it can bring about additional issues in his legislature. The Prince talks about numerous ways for a clever pioneer to administer his state and perhaps a couple of these advance the â€Å"common good† of the individuals, and it isn’t even genuine normal great. In The sovereign, the presence of a typical decent is a higher priority than having it as a reality. A ruler must seem, by all accounts, to be straightforward and acceptable however doesn’t fundamentally must be. I accept the connection between Machiavelli’s two messages on the motivation behind political force is that one portrays what governmental issues were made to be while the different examines what they have really become and how to keep them that way. Rather than a â€Å"common good† it goes more along the lines of what is useful for the ruler. While the announcements repudiate each other more than once, I accept the writings to be to some degree integral as in alone, they each give an alternate side or perspective on what legislative issues really are, while perusing them the two gives the peruser an extended, progressively complete comprehension, not just on what governmental issues are and how to keep up that political force, yet additionally on why it must be that way â€Å"for the benefit of the people.†

Saturday, August 22, 2020

Donts for Getting Letters of Recommendation for Graduate School

Donts for Getting Letters of Recommendation for Graduate School Composing letters of proposal is for the most part some portion of an employees work. Understudies need these letters to get into graduate schools. Without a doubt, graduate school entrance advisory boards for the most part wont acknowledge applications that do not have these significant letters since they mirror the educator or employees appraisal of an understudy candidate. Understudies need not feel weak in the process since they do, in reality, have a lot of impact over the letters that employees compose. While educators depend on an understudies scholarly history recorded as a hard copy letters of proposal, the past isnt the only thing that is in any way important. Educators impressions of you are significant as well - and impressions continually change dependent on your conduct. There are things you ought to maintain a strategic distance from to guarantee that the teachers you approach for letters see you in a positive light. To stay away from issues, dont: Misjudge a Faculty Members Response Youve requested that an employee keep in touch with you a letter of proposal. Cautiously decipher his reaction. Frequently employees give inconspicuous prompts that show how strong a letter they will compose. Not all letters of suggestion are useful. Truth be told, a tepid or to some degree nonpartisan letter will accomplish more damage than anything else. For all intents and purposes all letters that graduate entrance advisory board individuals read are extremely positive, for the most part giving shining acclaim to the candidate. In any case, a letter that is essentially acceptable when contrasted and remarkably positive letters - is really hurtful to your application. Inquire as to whether they can furnish you with an accommodating letter of suggestion as opposed to just a letter. Push for a Positive Response Once in a while an employee will decrease your solicitation for a letter of suggestion out and out. Acknowledge that. She is helping you out on the grounds that the subsequent letter would not support your application and rather would thwart your endeavors. Hold up Until the Last Minute Employees are occupied with educating, administration work, and research. They exhort numerous understudies and likely are composing numerous letters for different understudies. Give them enough notification so they can take the time required to compose a letter that will get you acknowledged into graduate school. Approach an employee when he has the opportunity to talk about it with you and think about it without time pressure. Dont ask preceding or after class. Dont ask in a foyer. Rather, visit during the educators available time, the occasions expected for collaboration with understudies. It regularly is useful to send an email mentioning an arrangement and clarifying the reason for the gathering. Give Unorganized or Inaccurate Documentation Have your application materials with you when you demand your letter. Or on the other hand follow up inside several days. Give your documentation at the same time. Dont offer an educational plan vitae one day, and a transcript on another. Anything you give the teacher must be liberated from blunders and should be perfect. These reports speak to you and are a marker of how genuine you see this procedure just as the nature of work you will do in graduate school. Dont cause an educator to need to approach you for fundamental documentation. Disregard Submission Materials Incorporate program-explicit application sheets and archives, including sites to which personnel submit letters. Dont neglect to incorporate login data. Dont cause workforce to request this material. Dont let an educator plunk down to compose your letter and find that she doesn't have the entirety of the data. On the other hand, dont let a teacher attempt to present your letter on the web and find that she doesnt have the login data. Surge the Professor. An amicable update sent up to 14 days before the cutoff time is useful; in any case, dont surge the educator or offer different updates. Neglect to Express Appreciation Your teacher set aside the effort to compose for you - at least an hour of his time - so set aside the effort to express gratitude toward him, either verbally, or by sending a thank you letter or note. Recollect that you need your letter journalists to be feeling acceptable when they compose your suggestion and to like you and their choice to help your application to graduate school. Compose a card to say thanks to your recommender and when you request another letter later on (and you will - either for another doctoral level college program or even work), the employee will be significantly more prone to think of you another accommodating and positive suggestion letter.

Wednesday, August 19, 2020

The Ridiculously High Cost of Bank Overdraft Fees

The Ridiculously High Cost of Bank Overdraft Fees The Ridiculously High Cost of Bank Overdraft Fees The Ridiculously High Cost of Bank Overdraft FeesWhen it comes to sky-high interest rates, predatory payday loans and cash advances cant hold a candle to the fees banks charge when you overdraft your checking account.Anyone with at least a few thousand dollars in their bank account can spend money relatively freely without worrying about bank overdraft fees. Sure, they can’t just buy a couple boats out of the blue, but they can probably get groceries and gas without having to constantly check their account balance.For everyone thats living paycheck to paycheck, however, the threat of overdraft fees is constant and can quickly make a terrible financial situation even worse. It might not be debtor’s prison, but getting fined for not having money feels sort of Kafkaesque.So how bad are overdraft fees and how can you avoid them? Overdraft fees are heftyâ€"and profitable.Bank overdraft fees are pretty significant and widespread. But don’t just take our word for it! Here’s some bac kground on the current overdraft fee situation in America from Ilian Georgiev, CEO of Charlie, a text-based AI penguin financial advisor:“We’re facing a plagueâ€"of bank fees. In 2017, Americans paid a mind-blowing $34.3 billion in overdraft fees alone (not including all the other abused bank fees paid!), the most paid since 2009 during the end of the Great Recession.“On average in 2017, 38 percent of Charlie users overdrafted and paid $270 in feesâ€"the equivalent of a month of student loans, eight months of wifi, or a smartphone upgrade.”Bank fees tend to be around $35 or higher, and they can be charged multiple times in a short span of time. Some banks will also charge additional fees as time goes by on an overdrafted account. If you don’t immediately realize your account is overdrafted, those fees can quickly add up and you could be looking at hundreds of dollars worth of fines.So why do banks charge overdraft fees?To make money. Next section!OK, to be fair, banks clai m that overdraft fees are used to prevent bounced checks. But you can also get hit with an overdraft fee from trying to make an ATM withdrawal when you don’t have adequate funds, so that explanation might not be fully comprehensive.“The short answer and the truth as to why overdraft fees are so high is there is no federal law regulating what a bank can charge,” explained RJ Mansfield (@DebtAssassin1), consumer’s rights advocate and author of Debt Assassin: A Black Ops Guide to Cleaning Up Your Credit. Its a major source of income for many banks that charge from $25.00 on the low end to $38.00 at the top.”So how can you avoid these fees?Avoiding these fees.The simplest way of avoiding overdraft fees is to make sure that you always have enough money in your account before paying for anything or withdrawing any funds. But just because it’s the simplest method doesn’t mean it’s the easiest. It’s a pain to constantly check your balance, and if you have any auto-payments set up, it’s easy for your account to become depleted without you even realizing it. There has to be a better way!Well, there is. Actually, there are multiple better ways.“There are overdraft protection agreements that link other accounts within your bank to your checking account to cover checks that would normally overdraw your account,” advised Manfield. “This service often involves a fee which will be substantially less than an overdraft charge.”You can also go the app route.“Overdraft protection apps like Dave will advance you money ahead of your paycheck in the case you would otherwise have no money and incur an overdraft fee,” offered personal finance writer Dustyn Ferguson (@dustyndream). “These types of services are fairly cheap, with the Dave app costing just $1 a month. Even if you incur overdraft fees on average just once per year, this $1 a month fee will still save you money!”While not an app, Georgiev explained how Charlie, his chat-based financial a dvice AI, can prevent overdraft fees: “With Charlie, no fee will go unnoticed or get in the way of other, more useful expenses. On average, users have $114 in fees/yearâ€"but with Charlie they can track their spending, set up alerts, etc. to avoid putting any hard earned cash towards bank fees and to make sure their finances stay in shape.”You can check out our app directory for some more suggestions for tools that could help you prevent overdrafts.Setting up overdraft protections can be a hassle, but it’s much less of a hassle than dealing with overdraft fees. Getting out of a tough financial situation is hard enough without facing additional fines for not having enough money. But if you can remove the threat of overdraft fees, it’ll be one less thing to worry about on your journey to financial improvement.To learn more about how your finances safe from outsized fees, predatory lenders, and even outright scammers, check out these related posts and articles from OppLoans:Wha t You Should Look for in a Prepaid Debit CardSo Your Package Got Stolen … Now What?A Field Guide to Spotting Predatory LendersHow to Avoid Getting Insta-Scammed on InstagramWhat are your best tips for avoiding overdraft fees?  We want to hear from you! You can find us  on  Facebook  and  Twitter.ContributorsDustyn Ferguson  (@dustyndream) is the personal finance aficionado behind  Dime Will Tell. He often blogs about his experiences and shares his secrets when it comes to making and saving more money to achieve financial success.Ilian Georgiev is the co-founder and CEO of  Charlie, a text-based personal assistant that helps average Americans worry less about money and have access to personalized financial advice. Prior to co-founding Charlie, Ilian was a Product Manager and the Head of Product in mobile gaming at Pocket Gems and Chobolabs. There, Ilian launched and scaled multiple chart-topping apps that have generated over hundreds of millions of revenue across hundreds of millio ns of users. When he’s not building penguins that talk about money and save you from your bills, Ilian enjoys sailing and using emojis in all parts of his life. He holds a B.A. in Economics and Mathematics from Vassar College and an M.B.A. from Stanford.RJ Mansfield  (@DebtAssassin1) is a consumer’s rights advocate and author of  Debt Assassin: A Black Ops Guide to Cleaning Up Your Credit.