Current Issues Project On Peer Lending - 1643 Words

Current Issues Project: Peer-to-peer Lending Advancements in technology coupled with new legislation have brought upon a game changer in the financial industry known as peer-to-peer to lending. Originally established as a way to help boost the economy in developing countries, peer-to-peer lending is expanding its capabilities into first world countries through online platforms. This new industry is experiencing tremendous growth, with pwc estimating that it could be a $150 billion business by 2025 (Karabell). The Lending Club and Prosper are two of the biggest online platforms that currently offer peer-to-peer loans. Inspired by the 2008 financial crisis, both the Lending Club and Prosper saw the Todd Dockley Act of 2010 as an†¦show more content†¦Another example of a successful peer-to-peer program is Airbnb, which allows homeowners and apartment renters to rent out their homes to travelers who are looking for a more affordable place to stay. As a result the taxicab compani es and the hotel chains are now facing new competition due to technology advancements. All of the aforementioned companies have one blaring thing in common- they remove a middleman. Whether that be taxicabs, financial intermediaries, hotel corporations, or the music industry, these peer-to-peer programs have proven to be successful, are expected to grow, and industries now have to adapt to new competition. Peer-to-peer lending removes the traditional bank intermediary and directly connects users looking to borrow money with users looking to lend money- all from their computer or phone. The Lending Club functions without being classified as a financial intermediary in a variety of ways. One way the Lending Club avoids classification as a financial intermediary is by not having any type of banking license. This allows the Lending Club to operate as a tech company (Buhayar). Instead of purchasing banking licenses, the Lending Club processes loans through an online banking service known as WebBank. While relatively small with only 38 employees, WebBank is one of the most profitable banks in North America. In fact, its employees

Human Rights in History - 1119 Words

Throughout history, human rights have been violated and there have been people trying to fight for their rights but many have failed. Each human being has the same equal rights at the time of birth and that should not change at any given moment. Human rights entitle a person’s right to freedom of expression and movement, equality before the law, the rights to live, right to education, religion, and to own property as it states in the (preamble). People all around the world should know and understand what human rights are; if more people would know their own rights then it would be easier for them to promote justice, not only for themselves, but also for their society. Human rights should be taken in consideration for the reasons that many people’s rights are being violated all around the world when they shouldn’t. Every country has different beliefs on how human rights should be handled, but in reality the only thing that matters is what is written in the preamble. RT reporter stated â€Å"A report on human rights violations, law abuses, use of torture, inhuman treatment and other crimes in Ukraine from the end of November 2013 to the end of March 2014, which was named the White Book . For example, on February 19, several buses with activists returning to Crimea, both men and women were severely tortured and were dragged out of the buses and were beaten with bats and were soaked with gasoline and were threatened to get set on fire. One of the men in the group of activists wasShow MoreRelatedHuman Rights in History1779 Words   |  7 PagesNot only has it taken several years for human rights to be a legitimate international conce rn throughout the world, it is yet to be settled. They are still under development and require a range of actions before human rights are fully enforced. But what are human rights? Human rights could be defined in various number of statements. 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Most of that comes from us, as humans, thinking that we are superior to other races, genders, or groups of people in general. First we had issues with how we treated the Native Americans when the colonists arrived. Yes the colonists tried to have as little conflict as possible, when they came over to settle this new land, they saw the Natives as â€Å"savages†. From then on, we used them as slaves, which progressed into slavery of other races, HispanicsRead MoreEssay on Brief History and Introduction of Privacy and Human Rights2741 Words   |  11 PagesBrief History and Introduction of Privacy and Human Rights From Article 21 of the Japan Constitution states, â€Å"Freedom of assembly and association as well as speech, press and all other forms of expression are guaranteed. 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Likewise, throughout the course of history humanity has faced countless conflicts over the impending question, â€Å"What rights are humans obliged to?† Many civilizations throughout the course of history have had many diverse answers to this question. Seemingly, historic civilizations have had a variety of rights that were given to the people. The answerRead MoreCase Profile For The Council For Human Rights725 Words   |  3 PagesCase Profile for The Council for Human Rights Chris Surfus, MBA, MPA Western Michigan University School of Public Affairs and Administration PADM-6400 Nonprofit Governance Professor Kelly Trusty, Ph.D. August 17, 2015 Case Profile for The Council for Human Rights Introduction Organization History The Council for Human Rights, formerly known as The Tolerance, Equality, and Awareness Movement or â€Å"TEAM,† is a 501(c)(3) tax-exempt human rights organization that was founded in MarchRead MoreDr. Martin Luther King Jr. Essay1134 Words   |  5 Pages History is one of the topics in education, which teaches us important events of the past and helps us to understand the events of the present. Many people can be remembered in history for their past in shaping the world and the lives of some people. Looking back critically at history. One might be tempted to conclude that events in history have always evolved around human rights race relationships and power. In this paper, I will focus on the themes of racism, human rights, and power and how

Blood In Macbeth Essay Example For Students

Blood In Macbeth Essay I am going to prove that in the play Macbeth, a symbol of blood is portrayed oftenand with different meanings, and that it is a symbol that is developed until it is the dominating theme of the play towards the end of it. To begin with, I found the word blood, or different forms of it forty-two times ironically, the word fear is used forty-two times, with several other passages dealing with the symbol. Perhaps the best way to show how the symbol of blood changes throughout the play, is to follow the character changes in Macbeth. First he is a brave honoured soldier, but as the play progresses, he becomes a treacherous person who has become identified with death and bloodshed and shows his guilt in different forms. This idea of blood in the characters mind reverse from the beginning of the play to the end. Blood traverses the play Macbeth.King Duncan is the first to bring up blood in the play. Scotland at this time is fighting Norway; Macbeth and his best friend, Banquo, lead the Scottish forces to victory. The blood brought up by Duncan shows the honor and the heroic deeds done by Macbeth. What bloody man is that? Duncan asked to which Malcolm tells him it is the sergeant who had saved him and fought honorably. The sergeant shares his story of how Macbeth has fought so honorably even outnumbered carvd out his passage. This valiant story with the bloody sergeant being weak from his war injuries enhances Macbeths heroic appearance. Duncans response to the story shows his respect for Macbeth and realization of Macbeths honor, O valiant cousin! Worthy gentleman! Blood as it shows the good also shares the evil.Lady Macbeth portrays the evil side that blood offers to contrast with the good. Lady Macbeth hears from a messenger that the king shall arrive at the castle tonight. Lady Macbeth is the evil one of the pair while Macbeth seems full of good in this world Lady Macbeth sees opportunity. The only problem she finds wrong with herself is that she is a woman; she wishes that her weak female body change, unsex me her, / and fill me, from the crown to the toe, top-full/ of direst cruelty! With this change she wants her blood to become thick, thick blood would help Lady Macbeth become strong and let her kill without regret, make thick my blood, / stop up th access and passage to remorse. Macbeth soon finds out what the word blood is to him.Macbeth after he has killed Duncan is in shock, his world of good has been shaken and the blood within him is scared. The blood sets up in his mind a paranoid scene; him, being afraid of every thing. Macbeth thinks what he has done is a terrible thing when he looks at his hands, This is a sorry sight, although he has brought the daggers out with him which scares Lady Macbeth. She tells Macbeth to go back and smear the sleepy grooms with blood. Macbeth refuses to go because he is so shook up that he only can stare at his hands. He wants his blood that is on his hands which is full of his sickness and his nervousness off, Will all great Neptunes ocean wash this blood / clean from my hand? Macbeth answers his own question saying that this sickness and nervousness on his hands will not go away but it will make the ocean red with this blood, No; this my hand will rather / the multitudinous seas incarnadine, / making the green one red. Lady Macbeth returns to find her husband obsessed with the blood she has a different feeling about the blood in this scene.Lady Macbeth keeps her composer and puts on a faade to the world. The blood on her seems to not bother her, evil has filled within her and a little blood does not tamper with her emotions. After she smears the guards with the kings blood, she returns to her husband proclaiming him as a coward. .u8c8422efe9dbc995c55f9bfadc92bf0f , .u8c8422efe9dbc995c55f9bfadc92bf0f .postImageUrl , .u8c8422efe9dbc995c55f9bfadc92bf0f .centered-text-area { min-height: 80px; position: relative; } .u8c8422efe9dbc995c55f9bfadc92bf0f , .u8c8422efe9dbc995c55f9bfadc92bf0f:hover , .u8c8422efe9dbc995c55f9bfadc92bf0f:visited , .u8c8422efe9dbc995c55f9bfadc92bf0f:active { border:0!important; } .u8c8422efe9dbc995c55f9bfadc92bf0f .clearfix:after { content: ""; display: table; clear: both; } .u8c8422efe9dbc995c55f9bfadc92bf0f { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u8c8422efe9dbc995c55f9bfadc92bf0f:active , .u8c8422efe9dbc995c55f9bfadc92bf0f:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u8c8422efe9dbc995c55f9bfadc92bf0f .centered-text-area { width: 100%; position: relative ; } .u8c8422efe9dbc995c55f9bfadc92bf0f .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u8c8422efe9dbc995c55f9bfadc92bf0f .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u8c8422efe9dbc995c55f9bfadc92bf0f .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u8c8422efe9dbc995c55f9bfadc92bf0f:hover .ctaButton { background-color: #34495E!important; } .u8c8422efe9dbc995c55f9bfadc92bf0f .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u8c8422efe9dbc995c55f9bfadc92bf0f .u8c8422efe9dbc995c55f9bfadc92bf0f-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u8c8422efe9dbc995c55f9bfadc92bf0f:after { content: ""; display: block; clear: both; } READ: Solar Energy Essay She tells her husband that her hands are exactly the same color as his but she is shamed that he has a white coward heart, My hands are of your colour but I shame/ To wear a heart so white. She tells

Mozarts The Magic Flute free essay sample

The Magic Flute One of the most mysterious, mystifying plays of all time, The Magic Flute by Wolfgang Amadeus Mozart is a fairy tale love story at first site, but in reality has much deeper themes and meanings. The Magic Flute Is largely known for Its remarkable music and hidden symbols. The number three is widely incorporated as a symbol of masculinity and wholeness of the self. According to The Two Faces of Creativity, chapter 10 of Coming to Our Senses by Morris Barman, Mozart belongs to the type II category of creativity. This category is described by creativity having been repressed, but not completely. In Mozart early years, his father ruled his musical ability and completely took over his life. However, as time went on Mozart started to take control of his life and talent and that Is when the real creativity showed. Mozart father Is represented in The Magic Flute by the character of Sarasota. We will write a custom essay sample on Mozarts The Magic Flute or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page He is loved by all and on page 334 of Coming to Our Senses described as the priest of love. The Heroic Cycle is a Journey a person takes to find their inner Self and become enlightened.In order to begin the Heroic Cycle a person must have a call to adventure and must be willing to risk everything they have to enter the transcendent realms and become whole. In The Magic Flute Tomato and Pamela and Apogees and Pageant are two sets of twins who are essentially two parts of one person. In order to become that one whole person the two boys must go through rough tests and trials to become men, fulfill their purpose, and reach their other halves. The initiations are a quest of the human soul for both inner harmony and enlightenment y characters who are Joint participants In one being, one psyche or one soul. (Page 8, A Masonic Vision) These trials of Initiation are a time for Tomato and Apogees to really get to know themselves and who they really are. In The Passion of Siss and Souris, Jean Houston describes life as a series of initiations. Every step of the way you face new challenges and problems in which the accomplishments of them bring you a little bit closer to your self and the world around you than you were before. Taming and Apogees each embark on their trials with a deferent mindset. At the beginning of the play Taming was a helpless boy, pushed around by the Three Ladles.He needed help becoming more masculine. HIS Journey now Is to grow up and become a more masculine, man. Dominos journey represents the intellectual. No matter how hard it gets Taming knows that he has to man up and get through it in order to be with Panama. Apogees on the other hand, shows the emotional Journey and fighting with one self. Apogees doesnt know why he must endure these hard, hurtful tests because he hasnt connected enough with himself to understand it. At one point he Is psychological exploration of the self and the soul in order to have personal growth and enlightenment.Taming and Panama represent each others masculinity and femininity. They need ;ACH other in order to have a perfect balance of the two. Panama is Dominos muse, leading him on and being the reason for him to keep going. For the final and most difficult trial of initiation Taming and Panama must walk through the underworld, fighting off the souls of dead beings that werent strong enough to complete the Reunion. They pass through this final stage with the wholeness of being together, and Ninth the help of the magic flute. Now play your magic flute, for it will protect us on our way. The magic flute represents harmony and calm tranquil enchantment. It brings archetypes together in conjunction with one another. Often during the play En the magic flute is played, animals from the wild who in any other circumstance would be fighting and ripping each other to shreds come together peacefully being drawn in by the music being played as if in a trance. In order to find the Taming and Panama in us we must be calm and take the Journey of finding the soul.In The Passion of Isis and Souris it says on page 192 The magus is able to play upon the universe as though it were a flute. We must use the world around us to help us in our Journey and connect us to people, nature, and ourselves. Apogees and Pageant represent the child in us. When Apogees first sees Pageant as an old ugly woman, he doesnt think about what he sees on the outside and has a great time laughing and singing with her. All people need to find the Apogees in them, not Judging others by what they look like, but rather looking deeper and getting to now a persons personality instead.In order to achieve inner harmony and enlightenment we must uncover the Romano and Panama in us. We must take the Journey to find our selves and overcome all the tasks and challenges of initiation every step of the way. We must become Manhole and connect with our souls. Every person needs an equal balance of masculinity and femininity in him or her. During the processes of becoming whole, rebirth occurs. The old self dies and a new whole being is born. That new person has achieved harmony and enlightenment.