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Maria Montessori, the molecular biologist Sir C P Snow and the engineer Buckminster Fuller, warned that modern science must be reunited with the Classical Greek life science Humanities in order to prevent the destruction of civilization. They stressed that the obstacle preventing this was an inadequate understanding of the second law of thermodynamics. Fuller balanced that law with his synergetic biological energy derived from the Classical Greek world view. Fullerene fractal logic has now been used to establish a new life science in defiance of the present fixed world view. Fuller considered that the catalyst for avoiding oblivion would be via the Arts. It can be argued that the Western educational system is actually preventing the new balanced understanding of the second law, which Montessori referred to as the greed energy law, by employing a culture of fear, in particular concerning the second law of thermodynamics.Firstly, the existence of a more general culture of fear within the Australian educational system is now a common knowledge concept. Leading up to the June, 2010, removal of the Australian Prime Minister, Kevin Rudd, allegations of organized greed within the educational system concerning billions of dollars allocated for the construction of school buildings were continually reported by the national newspaper, The Australian. On June 30th a front page story reported that a 14 million dollar task force established to investigate the issue was unlikely to hear complaints about the schools stimulus program from 110 NSW principals. The investigation team could not offer those principals “anonymity” and they were consequently silenced by a “culture of fear”, emanating from the NSW Education department.Secondly, a far more serious aspect of coercion within the Australian educational system was alluded to within a Higher Education article published by The Australian on March 8th 2006, entitled ‘Muzzling of Science’, written by Professor Julian Cribb, Editor of the R&D REVIEW at the University of Technology in Sydney. Professor Cribb wrote “Publish or perish used to be the mantra by which the researcher lived or died. Today, according to an increasing number of eminent scientists in unpopular fields, Australian researchers can do both”. He defined ‘unpopular’ as “any of those fields of science liable to produce evidence unsettling to the fixed world-view held by governments, business, special interest lobbies or that most anonymous and unaccountable of research controllers, the stakeholders”. Professor Cribb explained how reprisals were being enforced, noting that once enacted, it is hard in science to find another job that isn’t in a taxi.The second complaint about a culture of fear within the Australian educational system is directly relevant to the second law of thermodynamics because that law entirely governs the fixed world view controlling university education in Australia. In 1996 the Australian government was taken to task in an Open Letter to the United Nations Secretariat for committing crimes against humanity because of that fact. A several year peer review investigation by the United Nations University Millennium Project, Australasian Node, resulted in a official endorsement of that complaint on September 5th, 2006.The expenditure of 14 million dollars in Australia to investigate general greed allegations within the educational system is a paltry figure compared to the tens of millions of pounds sterling spent in England attempting to discover new technologies from Sir Isaac Newton’s unpublished more profound physics principles to balance the mechanical description of the universe. Newton’s balanced world view was in defiance of the present fixed world view. Classification of the balancing physics principles as a criminal heresy by some people can be considered as part of the fear culture that will not tolerate challenges to the present fixed world view, which is governed by what Montessori called the greed energy law.The growing unsettling evidence supporting numerous challenges to the fixed world view’s understanding of the second law of thermodynamics can be considered to represent an attempt to bridge Sir C P Snow’s widening culture gap between modern entropic science and the negentropic life science of the Classical Greek Humanities. From the evidence presented within this article we might well consider Buckminster Fuller’s consideration justifiable, that it will be up to the artistic creative thinkers of the world to prevent
the unbalanced second law bringing about the destruction of civilization.Copyright (c) Robert Pope 2010

A combination of luxury and fun is to be found in Hyde Park hotels in London. The easy access makes it the favourite point of all public events too. The proximity to Paddington Station makes these hotels the ideal for the businessman as well as the globe trotter. The station provides connections to stations all over the country. All rooms have a television set with a satellite connection round the clock. A hi-speed internet connection ensures that you stay connected with your family and friends even if you are miles away from them, you cannot feel home-sick if you are in one of the hotels in Hyde Park.

Considering the high rate of inflation in London in general and in Hyde Park in particular, some discounts are offered. The centralized location of Hyde Park makes it an ideal for public gatherings and business meetings. All this and many more factors make Hyde Park the most sought after location for travelers just passing through London or even the businessmen converging on Hyde Park with a definite purpose. Most of the Hyde Park hotels in London can claim proximity to the airport and railway stations and even to shopping malls in the city. They are quite close to venues where conferences and exhibitions are usually organised. All rooms have comfortable beds with the best bedding in the world. Rooms offer views of parks and open countryside, something you have been longing for all your life. The parking meant for residents and visitors and the hotel staff ensures a proper flow of traffic around the hotel, and a reduction in the pollution levels. All hotels are located in close vicinity of the British Museum, an ideal location for a lover of antiques and history. The proximity to Hyde Park gives you an excellent opportunity to use the park for recreation or exercise at any time of the day.

With the Royal Albert Hall round the corner, you can be sure not to miss out on any of the cultural programmes hosted there. There is always Madame Tussauds round the corner for you if you would like to look at a replica of Aishwarya Rai, the former Miss World from India or former president of the US, Theodore Roosevelt. It would be a wonderful opportunity for you to at least see these people in wax, or take home a snap as a memoir of your stay in a Hyde Park hotel London. Hotels are located close to Paddington station, so if you are keen on traveling by train; even if you prefer to fly, the Heathrow Airport is only a few minutes away from any of these hotels.

My passion is travel. I love to go whenever and however I get a chance. I have to make concessions when I make travel plans because I am only half of the whole that makes up the partnership of my marriage. And because I kind of like the guy and enjoy having him along, I am willing to make those concessions. So until I can convince my other half that traveling through the Sahara on a camel would actually be fun, I guess that mode of travel is out. But I will keep working on him and maybe before I get too old to get on a camel I might just convince him.

Until then, for his sake, we use the more conventional means of transportation to get to our destinations. And even that has been a journey. When we were first married he had only been out of the state he was born in a couple of times in his life, and both of those were on family vacations he took as a kid. While I, on the other hand, had made several out of state trips by the time I reached adulthood courtesy of my thumb. Yes, even before I turned 18 I had the travel bug, and since I was an unemployed kid, I had to hitchhike to get where I wanted to go. It is not really a bad way to travel; well, at least it wasn’t in the seventies when I was doing it. You meet some interesting people that way, not all of them good, but not all of them bad either. But nowadays I have my own car and I can afford a plane ticket so that is the way I travel now.

I have had to slowly introduce my spouse to travel. For our honeymoon we went to Reno, which was out of state. His best friend wanted to know how I talked him into it. I did not realize there was anything special going on at the time. Over the years of raising kids, we often climbed in the car for a trip. It was what we could afford and I was happy that I was getting to go somewhere. I could not claim to be well traveled, but I did leave the state at least twice a year.

Fast forward a few years to when I decided it would be a good idea for me to quit smoking. It’s a nasty habit, cost a lot of money and I wanted to quit. But when you are a smoker it is not so easy to just lay them down. It is a physical addiction and I finally got smart and realized that. So I put myself on a plan and set up some goals and rewards, trying my best to make sure I would succeed. Did I mention I have a passion for traveling? For my six month reward I wrote “go to Hawaii.” It was something I had always wanted to do and never thought I would get to do. My husband was less than impressed with my goal. Actually, he wanted nothing to do with it. He said it was too expensive and he did not want to get on a plane to go on vacation. He saw nothing wrong with taking a trip that we could drive to as my reward, but Hawaii was out.

I thought about that for a few days and realized that if I were going to succeed at my quit smoking campaign I was going to need a reward that meant something to me, otherwise it would not be important enough to get me through the bad times ahead. So I went back to my husband and told him “If I quit smoking for six months I will have saved enough to pay for my trip to Hawaii, so I am going. You can come with me or not.” Turns out that was one of the best decisions I ever made in my life. Not only did I succeed in my endeavor to quit smoking, I also succeeded in infecting my husband with the travel bug. As soon as the plane started to taxi down the runway his fear of flying disappeared. After a week of vacation he was hooked; first of all on Hawaii, and second of all on traveling.

Fast forward a few more years. I now have a granddaughter in junior high. She wants to go on a school sponsored trip to Italy. I am jealous, since Venice is another place I have always dreamed of visiting. Come to find out that if you are willing to pay your own way, you are encouraged to travel with your child or grandchild. I was very excited. We spent a year doing fundraisers for the kids to earn money to pay for their trip and planning the trip. I could not talk my husband into going. He did not want to leave the states.

Our trip to Italy was fabulous! We spent twelve days touring Italy on a bus and I had a great time. It opened my eyes as to why some people are afraid of traveling outside the States. I had a guide with me for the entire trip to help check me into hotels, get around and deal with the language. The only time I did not have a guide with me were a couple of hours each day of free time. It made me appreciate all the more the tourists from other countries that I encounter in my home state. You know, the ones that ask for directions in words you barely recognize as English? It is tough to make yourself understood when talking to someone who does not understand your language. It also debunked the myth for me that other countries hate Americans. In my experience, it is just not true. No matter where you go, even main street of your own home town, you will encounter people that do not like you. Sometimes it is justified and sometimes it is not, but it is the same everywhere. I am sure there are countries where sentimentalism is strong against Americans, but it is not that way everywhere. I ran into quite a few Italians that were happy to meet me and were very helpful when I go lost.

Since I had made it to Italy and back without getting myself killed my husband was a little more inclined to listen when I talked about going other places in the world. A few months later, I talked him into a trip to Mexico. We went to Cancun for New Years. I got to visit the ruins of Chitchen Itza and I had a great time, although neither my husband nor myself were terribly impressed with Cancun. But we did gain some experience of travel outside the United States. My husband found that it was as I had told him, not everyone hates American’s and people are willing to be friendly.

Last year we had friend that was working temporarily in Ireland. He had a house with an extra bedroom and invited us over. We took him up on it. Two years ago I would never have convinced my husband to make the trip, but this time when I suggested it he immediately agreed. I was shocked but very pleased. It was close to our twentieth anniversary, so we made it an anniversary trip. We rented a car for a few days and went out on our own. Our friends’ place was right outside Dublin, so we drove to the other side of Ireland and down to the south and back up to Dublin. Ever since I was a little girl I have dreamed of seeing a castle. In Ireland I saw several; not only saw them, but got to go in them. I even got to kiss the blarney stone at the top of Blarney Castle and I have the picture to prove it.

Have I mentioned I have a passion for travel? I am looking forward to many more trips abroad. There are so many great places I want to visit. There are so many great things I look forward to seeing. I am very pleased that my husband is now infected with the travel bug too, since he makes a pretty good travel companion now that he has gotten over his trepidation of leaving the United States. When we first got our passports I am sure he thought the only thing we would ever use them for was going to Canada. I am so glad he was wrong.

So if you haven’t already, go get yourself a passport. If you feel a little intimidated about leaving your own country, just realize that is natural and don’t let it hold you back. If you fear how you will be treated in a country not your own there are some things you can do to lessen the fear. First, if it is your first trip out of the country, pick a country that is known to be friendly to Americans, like Canada. They also speak the same language so there won’t be any language barriers to worry about. If you want to go to a country that does not speak the same language, first realize that if it is a country that gets a lot of American visitors you will most likely find quite a few people that will know some English. But just in case, why not learn a few words before you go? It is always a good idea to know how to ask for the police, the hospital and the bathroom. It is also a good idea to know something of the culture before you go. For one thing, that way you may prevent yourself from making a cultural mistake, but also people everywhere are proud of their heritage and they will more warmly welcome you if they know you took the time to learn something about them before you came to visit.

There are a number of Houston real estate brokers who are all willing to help interested clients. Major Houston real estate players include John Daugherty Realtors, Martha Turner Properties, and Greenwood King. Although most real estate companies are closed by brokers from these companies, there is no question that other real estate brokers may also offer great deals. Still, there are deceptive real estate brokers who are only keen in making money out of every business deal they make.

Houston has a local real estate brokers association of which credible realtors and realties are members. The association protects both real estate brokers and prospective buyers alike from fraudulent brokers. Consumers are free to check on the list of real estate brokers made available by the association on whether or not their brokers are deceptive. The local Houston real estate brokers association also offers free home ownership assistance as well as counseling to low to moderate income generating individuals searching for real estate deals in Houston. The association also encourages friendly competition among Houston realtors through healthy exchange of selling strategies and ideas that amount to reasonable and popular real estate deals.

Houston real estate brokers all believe in the founding goal of their association: Every consumer must be ensured of equal housing opportunities, and all possible buyers must not be subject to discriminatory real estate practices. This springs from the fact that minority races were banned from equal housing opportunities in earlier days, confining them to insubstantial properties at unfavorable locations. The founding of the real estate brokers association improved the then unjust treatment to African Americans residing in Houston and provided them opportunities to better qualify themselves and make it good in the real estate industry.

Certified Houston real estate brokers continue to promote equal housing opportunities by offering the best real estate deals. Consumers are sure to find contentment in the properties acquired from these brokers.

So you are thinking of getting some extra money to make some urgent home repairs, the porch door needs replacing, along with a new hot water system. Unfortunately you do not have the money in the bank, but neither do you have a secure porch door or any constant hot water.

Have you considered personal loans? A lot of people take out personal loans for this type of repair. Car repairs and even holidays are used by people with their newly acquired finances. Most people have heard that a poor credit score is not a good thing (However even those that have a poor financial history can still get loans). But how do you make a good rating?

One of thing major pieces of advice from experts, before you apply for finance it is best to get a credit report completed from a reputable source. This will give you an idea of the chance of getting your application approved. In the United States of America there are three levels of credit rating, basically the higher it is the better it is.

An excellent rating is above 760, a good rating would be between 700 and 759 and a poor rating would be between 640 to 699. if you are at the top end, 760 and above then there is no point in making your rating any better. However with other ratings it is worth trying to improve as it will help your chances of succeeding in the application.

There does seem to be a bit of a chicken and egg situation sometimes, you need finance but have a poor score,but to improve you need a lender to give you a chance. Well, luckily there are things that you and your family if you have one, can do to improve your rating.

Having a poor rating does not mean you have to be stuck with it, starting to pay the bills on time instead of late or not at all will start to get you on the right path. Some lenders will still give applicants loans even with a low score, but the total given will be lower than usually and the percentage rate will be considerably higher. So you will pay more over the period of the finance.

Families can help too. If a member of your family has a good rating then some credit card companies can add you to that family members credit card as an authorized user, this will help with any poor credit score. Also having a family member with a good rating co-sign the loan could help you get what you need.

Finding the correct lender for your score is a good way to make sure that you are getting what you deserve, if you have a high score you deserve some of the best deals on the market. Instead of going to your bank or card company you can go online and search for a matching company. Companies like this are a good place go to make sure you achieve the best deal.

What are a matching company and what do they do? You enter your details on their online program and your information will be fed to several of their approved lenders, in turn the lenders will then return to the matching company with a list of loans that they are able to offer.

Once the offers come back it is then up to the applicant to choose one and complete all the necessary paperwork. A check will then be received within a matter of days and your new boiler and door fitted soon after.

Everyone is busy. Busy in shopping online and in the malls. Popular online portals are breaking and making new sale records! All thanks to the convenience and the availability of easy payment options and funds!

Here are few of the factors that are making online businesses a success

Credit Cards: A credit card is plastic money. It is one of the easiest form in which a person gets a personal loan.

All online portals as well as retailers in malls accept credit cards issued by various banks.
Online payment becomes very simple and safe, thanks to the one time passwords generated for such transactions.
A PIN is sufficient for shopping using a credit card at any retail store.

Personal loans for shopping: When we apply for a personal loan, we don’t have to provide the financier with the details of what we want the loan for.

Thus these days’ personal loans are being used to finance shopping.
They can also be used as wedding loans, vacation loans and educational loans.

Payment Processing: As far as payment processing is concerned, the following factors matter to both the consumer and the online retailer.

Uncomplicated manoeuvring on website: It is important for the payment process to be step-by-step and easy to understand. Most websites work on this section very carefully and thus the online shopping experience is satisfactory.

Processing Costs: Processing costs matter to the retailers. More the processing fees they have to pay to providers of payment gateways like Visa, the lesser are their margins. So to have an effective business the processing costs need to be low.
Number of payment options: Multiple payment options should be available for the customer to make payment. This makes the shopping a convenient proposition.
Time taken to process transactions: Processing time not only tests your patience but sometimes also the strength of your internet connection!

Cash on Delivery: This is also known as “collection on delivery.” This is a very popular mode of making payments for shopping in the developing world.

It enhances impulse purchases.
A credit card is not an essential possession for the buyer.
The buyer can check the quality of the product and then pay

So this festive season, do not hesitate to shop and to gift! The availability of funds for shopping is not difficult anymore. Also the convenience of online shopping has brought various retailers to our doorstep. So let us shop all the way!

An easy way of shopping is using a credit card. It forms an integral part of most people’s financial planning. When used in the right manner, it helps reduce financial liability and optimizes financial resources.

While the rise of online lending in itself makes it more convenient for people to apply for finance, is this development a good thing for those who are already struggling? There are companies out there who charge expensive annual percentage rates (APRs), leaving many people in more trouble than when they first started.

But it doesn’t have to be this way. Over the last few years, online lending has earned itself a bad reputation. The internet leaves many people vulnerable to fraud, so you should always exercise caution when inputting your financial details. The best way to make sure your information remains safe is to find a secure, reliable lending platform.

There is an unfair irony attached to lending today. Those with bad credit are often led to believe they have no financial options if they have made mistakes in the past, often making their situations seem more desperate than they actually are. This can result in people making bad decisions and can lead to borrowing through unstable sources.

Meanwhile, any lenders that do accept you with bad credit will charge extortionate interest rates because of your history, making it more difficult for you to meet your monthly repayment obligations – thus worsening your situation. This is a trap that many people fall into, and it gives online installment lenders a bad name.

However, this doesn’t need to be the case. If you can find yourself a reliable lending platform, you will be connected to a secure network of trustworthy lenders who can offer sensible solutions to your borrowing needs. Many of these lenders will assess your application, even if your credit file isn’t perfect or your income is lower than average.

Instead of (or in some cases, as well as) running credit checks, these lenders will take other factors into consideration, including your income and employment circumstances, and how long you have lived at your current address. They may even ask for references they can contact who will vouch for your character personally.

Even those who receive benefits as a form of income will be able to apply, giving everyone a fair and carefully considered chance of borrowing money. In these cases, applicants won’t be accepted for higher loans than they can afford to pay back, and interest rates will be low, meaning there is a better chance of managing repayments.

If you have poor credit and need to borrow money, consider a personal installment loan, but make sure the APR is advertised between 5.99% and 35.99%. There should also be a number of options in terms of flexible repayment, offering you the chance to pay the money back anywhere between six months and six years, depending on what you can afford to pay per month.

Small, carefully considered personal loans could actually help you build a financial profile making you eligible for better future borrowing. As long as the lender is responsible, and offers reasonable interest rates, online lending platforms can actually give people with more opportunities than many other lenders in terms of improving their situation.

With this in mind, personal loans can be beneficial to those hoping to improve their credit score, but only if some caution is exercised by both parties, and you only apply to borrow an amount you can afford to pay back.

Don’t you wish personal finance were a mandatory course in college? Unfortunately, too many of us learn by mistake. When you need a personal loan and are rejected, you might be baffled as to what went wrong- and how to fix it. Here are some clues.

NO CREDIT

No credit is a situation where you have never used credit and therefore have no credit history for the bank to review. They have no way of making an educated decision on whether or not you will pay back a personal loan based on your credit history. No credit is worse than bad credit. Qualifying for and making regular payments on these types of introductory forms of credit can overcome a “no credit” score:

· Student Loans

· Secured credit card (includes a down payment amount)

· Being added to a parent’s or spouses good credit: card, car loan, etc.

LOW CREDIT

Low credit takes on several forms. If you’re using more than 30% of your allowable debt, it can negatively impact your score. Too many inquiries from shopping around for loans will also hit you hard. Lapses in payment, defaults, or bankruptcies are giant red flags and can take a long time to rebuild from.

Other things that lenders may look at are whether or not you have sizeable assets should you default on the loan. They also check to see if your debts are diversified or if you are only carrying one type of debt.

INCOME

Proof of income is generally required when applying for a personal loan. If you are unemployed or underemployed, it can work against you in the loan approval process. Lenders may also require a work history to see how long you have been with your current employer, and to determine if you typically have job stability. Frequent job loss or change will tell a creditor that your payments may not be reliable.

PURPOSE OF THE LOAN

Believe it or not, your application can be rejected due to your proposed purpose for the loan. Financial institutions have the right to set up the parameters surrounding their disbursements and can accept or reject your application based on what you want to use the money for.

BLACKLISTING

If you’ve defaulted on debt before, your name may be put on a list of whom not to loan to,’ also known as a “Blacklist.” This will follow you around for a long time and is difficult to erase. If you do resolve the debt issues, get documents to prove the resolution.

When it comes to a personal loan, you have to first learn to use it responsibly. Because if you miss a repayment, your credit score will be impacted adversely. And remember, that a credit score is an indicator of how well you manage your personal finances. Also, it plays a defining role when you apply for any kind of loan – secured and unsecured. It is suggested to apply for a loan slightly larger than what is needed so that you will be assured to have enough money to pay all bills necessary and still have some money left over to ensure that your bank account stays current.

A credit score can be defined as a number which reflects the financial situation of a person. If the person is well-off when it comes to financial matters, then he or she is said to have a high credit score. On the other hand, if a person is the exact opposite of this, then they possess a low credit score. There are a lot of factors that are considered by financial institutions for the purpose of evaluating a person’s credit score – usually, the credit scores of people vary from 300 to about 850.

A personal loan is a type of loan that is given by digital lenders, banks and credit unions to aid you in your plans, be it starting a small business, or making a big purchase. Personal loans tend to have an interest rate(s) lower than the credit cards; however, they can also be put to use for combining several credit card debts together into one monthly lower-cost payment.

Now, your credit score is built by keeping in mind various parameters from your credit reports. These reports serve the purpose of trailing your history of utilization of the credit across the duration of seven years. These credit reports are comprised of information, including how much credit you have utilized to date, the type of credit in your possession, the age of one’s credit accounts, whether one has put in for bankruptcy or liens filed against them, actions of debt collections taken against them, one’s total open lines of credit as well as recent inquiries for hard credit.

Like any other type of credit, personal loans are very capable of affecting your credit score. This can be done through the process of applying and withdrawing a personal loan. If you are curious as to how personal loans can end up affecting your credit, then read on to find out more about the context. There are many ways in which your credit can be affected by personal loans and some of them are listed below:

The ratio of your debt-to-income and loan

Debt-to-income ratio is considered to be the measure of your amount of income that you spend on the debt repayments. In the case of lenders, the amount of income that you receive is said to be one of the major factors proving that you are able to repay your loan.

Some of the lenders have come up with their own debt-to-income ratio so that their proprietary credit scores may make use of it in the form of a credit consideration. Do not fall into the kind of mindset that possessing a high amount of a loan would hurt your credit. The most damage it can do is raise the ratio of your debt-to-income so that you won’t be able to apply for loans anymore without it getting rejected or denied.

Paying loans on time will make credit scores soar

The moment your loan is approved, you have to make sure that you settle the payments of each month on time and in full. Delay in repayment may significantly impact the state of your credit score. However, on the other hand, if you make the payments on time every month, then your credit score will soar high, leading to an overall good score. This will not only make your name to the preferred borrower’s list, but it will prove to be beneficial for you in the long run.

Since your payment history is comprised of almost 35% of your credit score, paying loans on time is essential in cases like these so that your credit score can maintain a positive status.

Variety is built into your credit type

There are about five factors that are responsible for determining your credit score. These are composed of the payment history, the length of the credit history, the utilization ratio of the credit, the credit mix and new inquiries of the credit in accordance with FICO®.

The credit mix only accounts for about 35% of your total credit score, whereas when it comes to a personal loan you can have a varying mix of the credit types. This mix of all types of credit is viewed at a high level of approval by the creditors and lenders.

Origination fee charged by loans

Most of the lenders end up charging you an origination fee. This fee cannot be avoided at any cost and is instantly taken off from the amount of the loan payment. The amount of origination fees depends upon the amount of the loan you are about to borrow. Late payments can lead to an overdraft of fees and late expenses. Therefore, make sure that you pay complete repayment for each month before the deadline.

Avoiding penalties when it comes to payments

Some of the credit lenders tend to charge an additional fee if you end up paying your part of the loan earlier than the agreed date. This is because they are looking for moderate amounts of interest on your loan. Now, seeing that you have paid off your part of the loan before time, they will miss out on that interest that they could have possibly made if you had not cleared the debt soon enough before the deadline.