John Locke’s Enlightenment Influence On The U S Constitution

The social contract theory of John Locke provided the philosophy and source of governing authority for both U.S. Constitution and the Declaration of Independence. Jefferson borrowed freely from Locke’s phraseology.

John Locke laid out the social contract in the 5th paragraph of the chapter entitled “Of the Beginning of Political Societies” in his “Second Treatise on Government”. There he states that the will of the majority is the only source of authority for civil government. God and His law are ignored.

“And thus that which begins and actually constitutes any political society is nothing but the consent of any number of freemen capable of a majority to unitethis is that, AND THAT ONLY, which did or could give beginning to any lawful government” [John Locke, Second Treatise of Government (New York, NY: The Liberal Arts Press, 1952), p. 56]. This is the heart of democratic social theory — note the conspicuous exclusion of God and the ruling authority of His Word.

Under the Lockean model the people contract with one another to ordain a civil government. God and His law are not Party to the Contract. The Preamble of the U.S. Constitution clearly adopts this model: “We the people of the United States . . . do ordain this constitution for ourselves and our posterity.” God is snubbed, and Article VI, Section 3 forbids requiring an officeholder to swear allegiance to God.

The Bible contradicts Locke’s ascription of power to the majority. Romans 13:4 states that “there is no power but of God. The powers that be are ordained of God.”

Locke’s factionalized, pluralistic society is doomed to rip itself apart. God judges the society that fails to acknowledge the supremacy of Christ. Anarchy ensues.

Without the living and true God and His law there can be no justice. But contrary to popular Christian opinion, the founding fathers never appealed to the Bible. There is only one substantive reference to Scripture in the four-volume set of notes compiled from the Constitutional Convention.

The Federalist Papers, written in defense of the Constitution, make no reference to the Bible. Having spurned God’s law, the founders were forced to employ Social Contract of John Locke and so-called natural law.

When Adam fell, he was expelled into a darkened world that fell with him. Man’s fallen mind cannot correctly interpret the fallen creation. “For the creature [creation] was made subject to vanity, not willingly, but by reason of him who hath subjected the same in hope” (Rom. 8:20). Looking for justice in the “law of nature or “natural law” is an exercise in futility in a fallen world.

The Founding Fathers opened the door for their posterity to arbitrarily reinterpret the vague social contract articulated by John Locke. As our current desperate plight indicates, the Constitution cannot shield us from social, economic, and political devolution.

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Prince2 Vs Pmbok

One key criticism with PMBOK is it indirectly provides an image of the project manager as a superman/superwoman. This may be the case for construction projects (PMBOKs origins is in the construction industry) but for business type projects such as projects with IT based solutions our experience is that the functional and/or financial authority to make key decisions is actually with senior management and not the project manager.

Project managers also need advice and guidance from senior management and it is them that are best placed to make the key decisions. In PRINCE2 the responsibility for the project is with senior management both customer and supplier. But this does not mean that Senior Management need to get involved in a project on a day to day basis, as PRINCE2 makes use of management by exception tools.

One key criticism of PRINCE2 is that it misses the importance of the soft skills needed by a project manager and is light in the knowledge areas such as scope management & contract management and others which PMBOK provides guidance on.

The recent spread of PRINCE2 across the world (and there are predictions PRINCE2 will easily surpass the number of PMBOK qualified people within the next few years), is because PRINCE2 provides a SINGLE STANDARD APPROACH for the management of a project, whereas PMBOK gives each project manager the freedom to decide on their approach. Many government and global organizations have preference for a single standard approach to be used for all their projects and are adopting PRINCE2 as a result. The other advantage is that people with limited experience can use PRINCE2 whereas PMBOK requires a level of experience to apply its knowledge areas appropriately.

In summary, in addition to other required competencies a skilled project manager is one that has the ability to apply the guidance of PMBOK with the assistance of PRINCE2. A highly skilled project manager also has the know how to apply PMBOK & PRINCE2 appropriate to the risk, complexity and nature of the project but can also adapt it for those fast moving projects. Development of this competency comes with experience.

Small Business Finance Finding the Right Mix of Debt and Equity

Financing a small business can be most time consuming activity for a business owner. It can be the most important part of growing a business, but one must be careful not to allow it to consume the business. Finance is the relationship between cash, risk and value. Manage each well and you will have healthy finance mix for your business.

Develop a business plan and loan package that has a well developed strategic plan, which in turn relates to realistic and believable financials. Before you can finance a business, a project, an expansion or an acquisition, you must develop precisely what your finance needs are. Finance your business from a position of strength. As a business owner you show your confidence in the business by investing up to ten percent of your finance needs from your own coffers. The remaining twenty to thirty percent of your cash needs can come from private investors or venture capital. Remember, sweat equity is expected, but it is not a replacement for cash.

Depending on the valuation of your business and the risk involved, the private equity component will want on average a thirty to forty percent equity stake in your company for three to five years. Giving up this equity position in your company, yet maintaining clear majority ownership, will give you leverage in the remaining sixty percent of your finance needs. The remaining finance can come in the form of long term debt, short term working capital, equipment finance and inventory finance. By having a strong cash position in your company, a variety of lenders will be available to you. It is advisable to hire an experienced commercial loan broker to do the finance “shopping” for you and present you with a variety of options. It is important at this juncture that you obtain finance that fits your business needs and structures, instead of trying to force your structure into a financial instrument not ideally suited for your operations.

Having a strong cash position in your company, the additional debt financing will not put an undue strain on your cash flow. Sixty percent debt is a healthy. Debt finance can come in the form of unsecured finance, such as short-term debt, line of credit financing and long term debt. Unsecured debt is typically called cash flow finance and requires credit worthiness. Debt finance can also come in the form of secured or asset based finance, which can include accounts receivable, inventory, equipment, real estate, personal assets, letter of credit, and government guaranteed finance. A customized mix of unsecured and secured debt, designed specifically around your companys financial needs, is the advantage of having a strong cash position. The cash flow statement is an important financial in tracking the effects of certain types of finance. It is critical to have a firm handle on your monthly cash flow, along with the control and planning structure of a financial budget, to successfully plan and monitor your companys finance.

The up and coming economy of coffee .

The up and coming economy of coffee .

National Coffee Association 2011 Coffee Trends Study, 40 percent of 18- to 24-year-olds said they drink coffee every day.
The average daily consumption? About three cups.
Clearly this coffee thing is a big part of students lives that isnt going anywhere. The good news is with barely any extra effort, coffee drinkers can be assured their little addiction doesnt harm anyone, namely the environment.
Fair Trade USA is a nonprofit organization that certifies products as fair trade if they meet ethical standards. All the coffee at mycoffeestop.com follow these standards, for environmental qualifications, such as preventing farmers from using harmful pesticides and ensuring protection of local ecosystems. In essence, all fair trade producers must practice sustainable agriculture.
But wheres the catch? We all know that what is generally softer on the environment is harder on our pocketbooks and, sometimes, harder to find.
In this case, that isnt necessarily true.
Continuing with coffee (one of the biggest fair trade products), students have the option of Starbucks, which in 2010 reported that 84 percent of its coffee was ethically sourced. And the ever-popular Alpine Bagel and The Daily Grind buy from fair trade-certified providers.
Meanwhile, Ben & Jerrys uses fair trade vanilla, cocoa and thats right coffee. If coffees owned by Coca-Cola, is completely certified.
Clothes are even becoming more sustainable, and celebrities like Emma Watson (aka Hermione Granger) are riding the fair trade wave, designing labels that use certified cotton and fabrics.
So its not hard to find. But what about that equally, if not more, important consideration for students price? Alpine coffee is the same price as most brands, and choosing a fair trade not your thing but you still need to keep your eyes open during midterm week, Honest Tea, coffee blend at Starbucks isnt significantly more expensive than a non-certified one. A bottle of Honest Iced Tea is comparable to one of Snapple. The same can be said of Ben & Jerrys and its rivals.
How is this possible? Fair traders deal directly with producers, not exploitative middlemen who can take a substantial percentage of prices.
So to chip away at your environmental footprint, feel free to eat ice cream, drink coffee and shop for designer threads. Just be sure to keep an eye out for that fair trade certified label the next time youre running or just trying not to fall asleep or on your way to Mycoffeestop.com.

The Truth About Key Bank Student Loans

A College or University degree is an essential investment that you should make, however if you do not posses adequate funding you will struggle to obtain a tertiary qualification. Leading banks along with other financial institutions recognized this specific requirement. That is why the majority of banks are creating sectors aimed at providing educational funding.

It could become extremely complicated when selecting a bank or lender to finance your student loans. Quite a few students choose Key Bank Student Loans to finance their studies while in their sophomore college year and are generally pretty satisfied with the level of service they receive. These particular loans include several options and programs which are developed for various requirements.

For more than 50 years, “Key Bank Student Loans” provided numerous educational products and services. These loans were designed to afford parents and students access to a variety of student loans which is not available from the vast majority of lenders. Many banks currently have a division dealing solely with student loans.

Key Bank student loans are split into 2 main categories. The first is a Federal Key Bank student loan. This type of loan enables you to benefit from the security of a Key Bank as your recognized loan provider. Simultaneously, you’ll be entitled to most of the benefits relating to the federal loan.

The next student loan type is a Private Key Bank Student Loan. This loan, also known as an alternative student loan can be helpful to supplement ones college financing approach. First, you have to use up the federal student loan even before you consider applying for a private loan to fund your education.

A regrettable tendency of student debt often is the huge surge for high-cost private loans. A rather interesting stat indicates that during the academic year for 2008 to 2009, learners borrowed 30 percent more in private student loans compared to the previous year. Very Important Tip: “Squeeze each and every dime you possibly from your Federal Student Loan first.”

The Four Pillars Of Financial Intelligence

You would think it would be easy to get people to admit that they want to be rich and then take action, wouldn’t you? But no, people are very worried about firstly admitting they want to be wealthier, and then very fearful of taking action. So, as a Wealth Coach, I usually prefer to talk about Financial Intelligence rather than Wealth Creation.

In order for people to get excited enough to make the leap and join The Money Gym, we have to talk about becoming a millionaire, and the millionaires we have helped create, because most people can’t often be bothered for anything less.

Unless there are guaranteed results and they are big and compelling enough, people often don’t want to pick up a book turn off the tv, go to workshops and learn anything new, certainly not for anything less than millions. And they want it quick too!

Really, Wealth Creation and Financial Intelligence are very similar animals, but Wealth Creation needs to be underpinned by Financial Intelligence, otherwise the wealth will go the way of the wealth of most lottery or competition winners up the Swanee, spent on fast cars, big houses, champagne and very unsuitable companions!

Actually I just described my old age, if you add in long holidays in the caribbean, purple velour shell suits, with lurid hair to match, lots of bling and unfeasibly high gold sandals.

However, rather than my frittering away my kids inheritance, my old age will be funded from ever renewing wealth, because I will have finally graduated in Financial Intelligence 101 by then.

I’ll come back to the kids inheritance later.

How can you train your brain to think in a Financially Intelligent manner? I like to think of Financial Intelligence as a platform on which you build your wealth. And like any platform, it needs to have a sturdy support, which I think of as….The Four Pillars of Financial Intelligence .

PILLAR ONE

Pillar One is “Managing Your Mind” where you discover where you are now financially, your family history with money, where your beliefs, behaviours and attitudes to money have often come from.

Then you must look at your abundance versus your scarcity thinking and learn how to monitor that carefully because that old scarcity thinking will pop up when you least expect it.

Whenever you find yourself thinking “I can’t afford it” then you need to beware! You are getting into the wrong mind set and closing yourself off to ideas.

Think instead “how could I afford it?”

PILLAR TWO

Pillar Two is “Managing Your Money” and covers budgeting, cashflow management and projections, credit management and debt busting. Knowing the difference between good debt and bad debt (and if you don’t know the difference then you need to read “Rich Dad Poor Dad” by Robert Kiyosaki fast!).

Learning how to pay yourself first rather than paying Starbucks, Vodaphone, your local curry house, Sainsburys, Egg, Total Petrol, and the list goes on

Spraying Perfume And Cologne – Why Do People Do It

Why do people wear perfumes and colognes? It’s no doubt that people wear them to smell good, and as a result, which is why the perfume industry continues to be a successful market. Perfumes not only make us smell great, but it makes us feel more attractive. So what are the other reasons why people wear perfumes and colognes?
There are a few different reasons why people choose to don on a scent. One, is that people love buying designer colognes and perfumes because they are a fan of the brand. Scents endorsed by celebrities are a continued success, since people want to buy things that they think they’re using, which is an effective way of marketing.
Besides using celebrities, another way that companies market their products is through their packaging. Designer perfumes bank on their name, and the striking looks of it’s bottles and the boxes it comes in. Beautiful packaging increases it’s aesthetic and economic values.
To compliment this, they use equally attractive models in their advertisements. In these ads, the models hold the bottles of cologne and perfume, making it seem like they were more beautiful after having used the product. A sure way to get consumers to buy their product.
Of course, there are those who buy the scents simply because they like the way it smells. So the buy the scent solely on the fragrance.
But the biggest reason why women buy perfume is that it makes them feel more attractive, giving a boost to their self-confidence. Men buy colognes for the exact same purpose: they buy them thinking that it will make them more attractive to women.
Isn’t it great that we have the modern advantage of having easy access to colognes and perfumes? Especially since this wasn’t the case many centuries ago, when most people had to rely on scented oils to smell fresh by masking their body odors. (That’s because most people didn’t take baths everyday. Eww.)
See, that’s just a few reasons why people love to get colognes and perfumes. And if you do find yourself smelling a little ripe, try taking a bath first. That’s cheaper.

Whats The Buzz About Data Entry Work At Home

Have you ever wondered why online data entry work at home jobs are becoming increasingly popular? Whats the buzz all about? Whats so special about online data entry jobs? This article will answer all of these questions.

First lets see what data entry is. Many companies want to have an updated database or want to make a new one such as database entry from transcription. Generally, good typists, who are proficient, are needed to make the entries and deliver the database on time. For this reason companies look to outsource the work and you will find a data entry jobs online becoming increasingly popular.

There are many reasons as to why, some of them are:
Time: You can choose your own working hours. How much you want to spend on data entry job depends entirely on you. This is especially helpful for those work-at-home moms who want to work part time while looking after their home as well.
Financial support: Once you start working data entry work at home you will see a sudden change in your financial status. Although your income level will slowly increase but it will definitely help and support you financially. You will see reduction in your living expenses especially.
In-Control: When you opt to work for data entry jobs you are the boss. You will make your own decisions as to which type of job you want to take up. Not only this you will choose the workings hours yourself. Once awarded, you can complete it anytime such as start working after dinner but make sure that it is completed in-time.
Variety: Having to do monotonic job is boring and one gets tired of doing same job over and over again but with data entry work at home this is not the case. Each time you will have a different job to perform and you can enjoy your work.

The Hp Cp 1510 Color Laser Jet Printer Best Suited

The HP 1510 NFI is a best suited model of a color Laser Jet Printer that can be used for the daily use of the people. It as a machine for printing you daily
copies or prints can be used for your personal use at your home or in your business or at your office or your personal establishment and so on. This gives you the best prints with the highest quality and durability. If you talk about the speed it is also something that will surprise you. It is a very moderate level product made available in the market by Hewlett Packard for sale that has become very famous and is demanded by the common class on higher end. This is because the printer is made available as an economic product understanding the inconvenience in getting the required quality prints by the people today in this fast and advanced life.

High quality printer
No body today in this busy world and hectic life has excess time to waste it on slow printing machines and also that much money to waste it on low quality prints. Even if you are a house person, a student or so, you know how much the shop keepers charge you for even a single small piece of printout. HP knows this problem and with due consideration has introduced this product laser jet color printer for all your problems. This can be also called a as a solution for economic class for printing. You can have your own printer now for all types of prints and that too best in the quality. You have a warranty as well with this product and can rest assure that you will have to face no problem with this Hewlett packard CP 1510 NFI, unlike the other company printers that make you run behind them every now and then. You are allotted with an option to print as and when you require, may it be a black and white print or a color one, you can print it on your own will.

Ease in use
HP 1510 Laser Jet Printer is not approximating the other intricate printers that are very multifarious in their use. The printer has been given a very simple functioning which has mad it very easy in operation. The space utilization of the product is also a very good point about it, as it can fit in any place even at your house with out taking much space. The designs are also very superb in this model that is designed in such a way that it has to suit any wall or any establishment without any complaints.

Economics Assignment Help A Better Method Of Learning

Economics is a science that studies the congregation, distribution, and utilization of products further as services. It is therefore among the leading sensible and interesting subject of study in faculties, schools and universities.

Economics assignment help caters to the requirements of students from different stages of academic sessions keeping in mind the fact that economic science forms a basic a part of curriculum of study in schools, colleges and universities. This subject attracts researches further due to their area. Various online firms provide assignment help for subjects like economics, engineering etc. These firms employ associate degree professional panel of online tutors to fulfill the requirements of the students over the globe.

These online services especially help those students who are unable to complete their assignment within the appointed time. Engineering and Economics project help or Homework Help offered by experienced and professional assignment writers is one of the best solutions for them. Thus it is not entirely needed to check economic science however conjointly to clear the ideas and take hold over them. Students need to write economics assignment for different semesters of their academic session. Here, they can take the help of various online assignment help services to write result-oriented assignments.

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Today, students need to compete with themselves to stay ahead in the league of success. For this they need to write various assignments for various subjects. Students who aspire to become a successful engineer can take online Engineering Assignment Help to complete their required assignments on time and can avail better results as well.

With broad extent and prospects of engineering a number of students have shown keen interest in this subject and are also taking up engineering assignment help as well. Through advent of the latest expertise plenty of students are taking help of the net engineering assignments. The methods and systems which are taught here are far more interesting and superior than the conservative methods which are followed in the colleges and universities.

Engineering is not easy to master alone. An upright student will be able to attain higher results with the help of correct steerage and for this the scholar got to learn the basics from a reliable and authentic supply. At present, there are various organized online tutoring facilities with the help of which the college students can study different subjects online with the help of the simplest tutors from all over the place the globe.

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