An Explanation Of Online Credit Reports Finance Essay - Free Essay Example

In the past, credit reports were perhaps more of a problem for customers. But today, with the Internet, online credit reports are easy to obtain and without spending too much of time. The websites that help with the process of obtaining online credit reports should be researched before being chosen. When selecting for an authentic website for credit reports, it is important for customers to opt for reliable websites that provide accurate information. Sometimes payments made or debts that have been cancelled may not be reflected in the credit report and this may negatively affect loans and other financial deals for which the person may have applied. This is also one major reason why a person should have an updated copy of his credit report available. They should make sure that their credit reports reflect their true credit position. It is also important for them to remember that the contents of the credit reports from different agencies may differ. It is essential for t hem to apply to websites that offer the information they need. Credit reports help in noticing any inaccuracies and taking the necessary steps to correct them as early as possible. Credit reports are excellent indicators of whether customer has been a victim of an identity theft. It is advisable to opt for the websites that offer security of personal information provided. If an unauthorized person accesses the information, he could get loans or credit cards with the help of the persons personal details provided. Although identity theft situations are remediable, they take a lot of time and hard work, apart from the additional payments needed for credit repair services. Getting a credit report is essential to help ensure the financial well being of the customers. It can also help fix inaccurate credit data as soon as possible. FAST ONLINE CREDIT REPORTS Some people view credit reports as something they can put off for later. Credit reports were an annoying inconvenience in t he past, but with the Internet technology today, online credit reports have become a fast and easy affair. A fast online credit report helps prevent financial problems from getting worse. Fast online credit reports give individuals an overview of their financial standing and it helps in rebuilding a poor credit history. Previously, people had to pay to get a copy of their credit report. Today, in most places, people can get a free copy of their credit report, within minutes. All these customers have to log on to the Annual Credit Report, a website made possible with the cooperation of the top three U.S. credit bureaus: Experian, TransUnion, and Equifax and get their credit reports. They can also request for individual credit reports from these three agencies. It is important to remember that the content of the credit reports from these agencies may differ. All the information that is obtained form the online credit reports is very important to determine a persons financial pos ition. Many people sometimes do not realize that there are institutions that use the credit reports of customers for reasons that may affect the customers finances. When applying for a mortgage or for a re-mortgage of property, customers need to know that their credit report is one of the things that their creditor will need to consider. This information is also significant when it comes to insurance and loans. At these times, all that counts is creditworthiness. Financial institutions consider credit-worthy customers only. A credit report is one of the main documents that help the financial institutions to decide on providing a loan. Customers should make the effort to ensure that their credit reports are in order. MULTIPLE ONLINE CREDIT REPORTS Today, crimes such as fraud and identity theft have become common. It is very important for people to view their credit reports regularly. This will enable them to take the necessary steps as early as possible to rectify the situation and minimize the consequences. To obtain an online credit report is much easier nowadays because of the large number of websites that are offering this service. Customers have the option of obtaining a free copy, every twelve months. These websites provide a credit score. A credit score is a grading system that adds or subtracts points based on selected data in the credit report. Negative factors like late payments and bankruptcies take points away whereas a strong credit history and the careful use of available credit, adds points. There are several reasons why credit scores may vary. Not all financial institutions report to all the three credit bureaus, Experian, TransUnion, and Equifax. A late payment reported by a credit card agency to only one bureau would lower his score on that credit report. Until recently, each credit bureau used its own variant of the standard scoring model and any deviation would end in a different score. The three national bureaus now use the same scoring model. In 2002, researchers conducted a study to examine the reasons for different scores at the three national credit bureaus. Besides different reporting practices by the lending institutions, the study also found that customers sometimes have multiple or mixed credit reports. This was due to the variations in the names used on credit applications and credit files that include information about more than one customer. If any of the bureaus return a report without scoring it or if it is not possible for the bureau to locate a report for the applicant, the information is recorded. ONLINE CREDIT REPORT SITES Recent changes, in the legal system, have helped customers to avail of a free online personal credit report from websites, especially if they have been recently turned down for credit. Checking credit history ensures that the information is accurate. The credit standing of an individual affects the interest rates offered, insurance premiums and even his employme nt chances. Credit reports are used by a number of companies to make decisions about their customers. Financial institutions classify loan applications based on the credit history. Loans taken for cars, insurance rates and plans to mortgage or re-mortgage may be affected by the credit reports. Potential employers can also evaluate applications of employees, on their credit report. In addition to payment history, credit reports include records of arrest, legal punishments, insurance policies over a certain amount and proof of residence. These details stay on the report permanently, unlike the payment history that drops off after a certain period. There are a number of ways to avail of a credit report. By applying online the reports can be got immediately, free of cost. To receive credit reports online, the person can go directly to the sites of Equifax, Experian, and TransUnion, the three well- known credit-report agencies. He can also request for the credit report through a third party site. These sites offer additional services, like providing the credit rating score. Once the person has received his credit report from the site, it is advisable to check for errors. Credit reports are the most important tools that help in discovering any discrepancies in the credit situation of a person as early as possible and in preventing credit disasters, in the long term. Hence it is vital to check credit reports regularly and make sure that the information they have on record is correct and accurate.

Warrior Movie Analysis - 1832 Words

Family over Everything The film Warrior was released September 9, 2011 by director, writer and producer Gavin O’Connor. O’Connor takes us through a story of two former MMA fighting brothers dealing with a harsh family past (â€Å"Warrior†). Gavin has also directed the 2000 film, Tumbleweeds, and the winner of the Best Sports Movie Award in 2004, Miracle (â€Å"Gavin O’Connor†). Tom Hardy (Tommy Conlon) was also featured in a major 2010 film, Inception, and This Means War in 2012. He also played one of the main roles in The Dark Knight Rises as villain Bane (â€Å"Tom Hardy†). Joel Edgerton is most recognized for his role as a main character in an Australian Television show, The Secret Life of Us, but is also famous for his role as Uncle Owen in Star†¦show more content†¦As they start to catch up on lost time, Tommy begins bringing up the past to his father about how he was a drunk and forgot all about him and his mother. He does everything in his power to make his father feel guilty. Tommy notices the picture of Brendan and his family on a dresser and Paddy begins to tell him about his life.. Tommy remains silent revealing that he’s not interested in anything having to do with Brendan. It soon becomes obvious that Tommy didn’t return home to make peace with his former alcoholic dad. Paddy tries apologizing, â€Å"I’m sorry, Tommy.† But Tommy’s reply is nothing but sarcasm. â€Å"Well†¦It’s good to know that you’re sorry, Pop. Goes a long way. I think I liked you better when you were a drunk (Warrior).† Tommy’s first confrontation with his father after years is just reassurance that there are still extremely harsh feelings towards his father, Brendan and their family past. Paddy only wants who’s left to come together as a family finally and leave the past behind. Brendan holds a different grudge on dad and brother, Tommy. Besides being angered by the fact that his father was a heavy alcoholic, he admits of his jealously towards Tommy and his father’s relationship when his dad shows up randomly one night at his house to tell him Tommy’s back in town. The information of their dad training Tommy makes the feelings even more hostile. Brendan remarks, â€Å"Now I know what you’re really doing here. You came to gloat.† Triggering his father’s responseShow MoreRelatedMovie Analysis : The Peaceful Warrior 1406 Words   |  6 Pagesand everything happens for a reason. The movies â€Å"Click† and â€Å"The Peaceful Warrior† portray these messages. Both of these movies show how every moment in life is important. Living in the moment and knowing that all things happen for a reason can improve one’s life and let them enjoy every second of it. â€Å"The Peaceful Warrior† shows viewers tha t they should focus more on the present and not as much on the future. The movie shows this by giving the main character a mentor that helps him realize thatRead MoreAnalysis Of The Movie The Spartan Warrior Dilios 2666 Words   |  11 Pagesfourteen, the only movie that I really wanted to see was 300. The hype surrounding it, along with the action-packed trailer, completely captured my interest. Naturally, it was the one and only movie that I was completely forbidden to see. No amount of pleading could sway my parents’ decision, much to my increasing dismay. Fast forward a few years later, and sixteen year-old me is still begging to see this one movie. Eventually, after two years of asking and begging to see this movie, my father finallyRead MoreGrendel Character Analysis Essay775 Words   |  4 PagesGrendel character analysis Terrorizing a town for 12 years Grendel kills countless men and woman in the epic of Beowulf. Banished to an underwater dwelling when descendants of Cain were banished and killed, many warriors faced him but few survived. Many have herd of Grendel and his tale of horror, but who is Grendel? Grendel is seen by other people in Beowulf as a monster and a fiend even before his name is mentioned the narrator refers to him as a â€Å"powerful monster, living down in the darkness†Read MoreEssay The Samurai films of Akira Kurosawa1239 Words   |  5 Pageshistory, culture, and society through this movie to audiences. (Film) Tuesday, September 23, 2014 Introduction The director choose this specific subjects to demonstrate the Japanese culture and hierarchy grading system. The Seven Samurai represents the spirit and wisdom, loyal, optimistic, martial arts. The film also illustrates the thousand generations a symbol for satire and reflection of the warrior class. Kurosawa summarized these elements in the movie to symbolize the Japanese tradition cultureRead MoreA Bug s Life, Sociology, Race, Social Stratification, Relationships1708 Words   |  7 PagesThis paper explains how the movie A Bug’s Life used sociological concepts to explain the challenges faced in an animated society of ants. They were overwhelmed with fear from the grasshoppers who constantly reminded them of their inferior class. Coming together and building relationships with one another was their only way out of their own demise. Stopping the grasshoppers from continuously using their race as a way to place them all within a low-class category. Despite their manipulative w ays andRead MoreKing Arthur Analysis1337 Words   |  6 PagesMandira Panta Arthurian Literature Prof. Beth Martin Birky Fim Analysis: King Arthur December 7, 2017 King Arthur: Historically Inaccurate but Intriguing The film King Arthur (2004), as it proclaims is the â€Å"untold true story that inspired the legend†. With Clive Owen and Keira Knightley as the main characters, the trailer looked very promising. Yet, the movie was a great disappointment to many of the Arthurian legends enthusiasts. Jonathan Rosenbaum, an American film critic said â€Å"If this is historyRead MoreAnalysis Of Farewell My Concubine By Lillian Lee1677 Words   |  7 PagesThe postcolonial period characterized the analysis of various gender roles as imposed in the overall theatrical convention regarding men who impersonated women in the Chinese films. In the film namely ‘’Farewell my Concubine,’’ gives a description of what initially started as something that meant well in artistic and cultural tradition of the east but was later turned into feminization of the genders in the society. Chen Kaige directed the movie in the year 1993. It is based on novel done by LillianRead More Anal ysis of Sherman Alexies The Lone Ranger and Tonto Fistfight in Heaven and Smoke Signals582 Words   |  3 PagesAnalysis of Sherman Alexies The Lone Ranger and Tonto Fistfight in Heaven and Smoke Signals   Ã‚  Ã‚  Ã‚  Ã‚  Sherman Alexie based on some short stories included in his book, The Lone Ranger and Tonto Fistfight in Heaven, wrote the screenplay for the movie Smoke Signals. Both the movie and the book portray problems that Indians had to deal with, and how they dealt with it. The book is far more complex than the movie, showing a wider variation of characters facing different situations.   Ã‚  Ã‚  Ã‚  Ã‚  InRead MoreThe Social Construction Of Race1743 Words   |  7 Pagescultures. By creating an animated picture about a historical figure of a different background than the European centric characters of previous movies, Disney appeared to be taking a progressive approach through the creation of Pocahontas. A close analysis however reveals that much of this good intention is nullified as the creators’ inherent stereotypes concerning Native Americans inevitably seep into and are present throughout the motion picture. Starting with the beginning of the film, the PowhatansRead MoreBlade Runner Film Analysis800 Words   |  4 PagesBlade Runner: Film Analysis and Critics Review Blade Runner (1982), directed by Ridley Scott, combines the element, film noir and science fiction, thus creating a outstanding visual aesthetic that has been embraced by most critics. Based on Philip K. Dick’s novel, Do Androids Dream of Electric Sheep? (1968), many critics embraced this sci- fi film, although it leaves out a majority of the novel’s plot and themes while scenes are modified significantly. The plot follows police officer Rick Deckard

The Importance Of Fate In Oedipus - 1022 Words

If predictions were to be real, one could really believe that is what is going to happen in the future. In â€Å"Oedipus the King† this is actually true, Oedipus calls for his fate unwillingly and definitely inevitably. Fate is described as something that unavoidably befalls a person. The author of â€Å"Oedipus the King,† Sophocles, writes a tragic fate that Oedipus was born to live. I will begin by giving a brief analysis of the story to give a better understanding, and explain point by point why fate was just inevitable in this story. In the story, Oedipus fate played an important role in the lives of the characters. To avoid their fate, the main characters did everything in their power to avoid their destinies. Shortly after Oedipus was born†¦show more content†¦The people of Thebes were so grateful, that they appointed Oedipus as King and gave him the recently widowed Jocastas hand in marriage. Year’s later; Oedipus finds out from a messenger that Polybus, king of Corinth, Oedipus father, has died of old age. Still having the oracles predictions in mind Oedipus becomes determined to track down the shepherd and learn the truth of his birth. Suddenly terrified, Jocasta begs him to stop, and then runs off to the palace, wild with grief. And so, despite his precautions and everything he did to avoid this, the predictions that Oedipus dreaded had actually come true. Realizing that he has killed his father and married his mother, Oedipus is tormented by his fate. Rushing into the palace, Oedipus finds that the queen has killed herself. From the very beginning of this story it is evident that the character wanted everything their way. King Laius not only tried to change his own fate but he also tried changing his own son’s fate by trying to kill him. Before Oedipus was even born he tried to change his fate because he was so reluctant to allowing his own son to kill him. It is so selfish to want to kill your own son. He didn’t even think that maybe he can change this prediction in other ways. They say that when you are born everyone’s destine is pretty much determined. I find it very ironic that Oedipus was born in a kingdom and was the son of a king and a queen.Show MoreRelatedThe Importance Of Fate In Oedipus Rex777 Words   |  4 Pages Fate is known as a predetermined course of events that are beyond a person’s control. Those individuals that acclaim their fate are eventually granted happiness over those who deny and try to change it. For years cultural and religious groups have emphasized how important trusting in your fate is. For example, Sophocles’ play entitled Oedipus Rex exemplifies the repercussions of what happens when you slap fate in the face. 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As the children address Oedipus with remarksRead MoreA Comparative of Shakespeares Othello and Oedipus Rex1511 Words   |  6 PagesShakespeare’s Othello and Oedipus Rex In Shakespeare’s work Othello: The Moor of Venice, Othello’s over trusting nature was revealed when his trust in false accusations about his wife Desdemona’s unfaithfulness causes him to kill her and himself, conveying Othello as a tragic hero. Oedipus, the main character in Oedipus Rex, is characterized as a tragic hero when he tries to run away from his fate and finds out that the cause of his fate was his attempt to escape it. Oedipus Rex and Othello share aRead MoreIs Oedipus a Victim of Fate? Essay962 Words   |  4 PagesFate the un-avoidable Throughout the vast history of literature, various concepts have come and gone. The idea of fate or fatalism has been a concept that has survived the test of time. Numerous characters have succumbed to the power of fate and the character of Oedipus from Sophocles’ Oedipus the King is a prime example of the vast power of fate within literature. Sophocles effectively depicts the wrath of fate as he portrays how Oedipus fell victim to fate and his efforts to disregard fate wereRead MoreFate in Oedipus the King Essay1065 Words   |  5 Pagesat least in â€Å"Oedipus the King† in which the protagonist, Oedipus calls forth his doom unwillingly. Fate is defined as something that unavoidably befalls a person. The author of â€Å"Oedipus the King,† Sophocles, writes a tragic fate that Oedipus was born to experience. Fate is what is meant to happen and cannot be avoided or unchanged. Furthermore, events that lead to other events could be the result for one to meet their fate. In â€Å"Oedipus the King,† Sophocles expresses the nature of fate to be determinedRead More Odepius Rex Demonstrates Success Leads to Folly Essay820 Words   |  4 Pagesâ€Å"Oedipus Rex demonstrates that success leads to folly, arrogance and mistakes in behaviour.† Discuss. Oedipus the King is a play that recognises the importance of humility and recompense. Oedipus’ acknowledgement of the Gods’ superiority is evident in his fear of the prophecy coming true, indeed, he flees from Corinth for precisely this reason. But at the same time through Oedipus’ self-blinding (where he â€Å"alone† is responsible for his fate) there is a sense of wilful defiance in the face of theRead MoreOedipus Downfall Essay example774 Words   |  4 PagesPrompt: In a well-developed essay, consider whether hubris, fate or both are the use of Oedipus’ downfall. Use evidence from the text to support your support. Hubris is defined as excessive pride or self-confidence, while fate is defined as the supposed force, principle, or power that predetermines events. Ancient Greeks believed in Hubris, or pride. Pride may have been seen as good or bad. Many people that exhibit pride may come off as being proud of their achievements or lives; however, prideRead MoreMakings of a Tragic Hero1202 Words   |  5 PagesA possible theme for Oedipus the King by Sophocles is that one’s blindness can hide the inevitability that is his destiny. Oedipus is in this situation. He struggles to escape his fate: killing his father and marrying his mother and believes he is successful. Sophocles believes that the gpds control one’s destiny and the inevitability that a person will do what is destined despite there hero’s intentions.Oedipus represent the standards of a true tragic hero: he is well known, basically good, hisRead MoreThe Role of Faith and the Gods in Oedipus Rex Essays1713 Words    |  7 PagesSophocles, in his work Oedipus Rex, establishes a view that gives fate, which is created by the gods, a seemingly inescapable characteristic over man. The role of fate is clearly defined, through the fulfillment of divine prophecy, and Oedipus’ inability to recognize prophecy as a realistic source of knowledge, as a fate that strikes a delicate balance with the free will of man. The balance stricken between fate and free will, in Sophocles’ mind, is portrayed through Oedipus’ fatal flaw, which forcesRead MoreOedipus Trilogy Analysis1214 Words   |  5 PagesAnalysis of The Oedipus Trilogy Oedipus Rex, or Oedipus Tyrannus as it is in Latin, could be what we call today a Freudian work of literature. The Oedipus Trilogy was originally written by Sophocles and is meant to be told in a story-telling fashion. But this Grecian tragedy was revised and translated into English by Paul Roche and put into a novel form. The Oedipus Trilogy is a novel that deals with destiny and fate. The reader is shown a series of events plotted out from which Oedipus cannot escape

Evaluating Historical Views of Leadership free essay sample

This paper evaluates the leadership views of Plato, Aristotle, Lao-Tzu, and Machiavelli from the point of view of the modern military leader. The process of evaluation includes an examination of the commonalities and disparities between these views of leadership. The paper explores a definition of modern military leadership. The paper includes an assessment of the suitability of each of the aforementioned leadership views to be models for modern military leadership. Modern Military Leadership The stereotype of the drill sergeant in basic training is not the leadership described in this section. Military leadership is more comprehensive in scope as seen in the movies. The surprise is the value of morality in military leadership. Holding the moral high ground is the most important weapon in breaking the will of the enemy (Stallard, 2013). Sun Tzu (1994) in his work, The Art of War, began his discussion with the value of the moral law (as cited in Stallard, 2013). George Washington (1796) stated in his farewell address as President that religion and morality are indispensable in supporting patriotism (as cited in Stallard, 2013). The guiding principle of military leadership is the respect for human dignity (Mann, 2000). Military leadership involves many other traits. Military leadership involves the rigorous application of a system of orders and obedience resulting in a hierarchy (Mann, 2000). Within this system of orders and hierarchy, the military leader recognizes the value of the method of delivery of orders (Mann, 2000). This certainly stems from the respect for human dignity. The quality of performance is better when providing orders in a good atmosphere (Mann, 2000). A military leader must develop trust between him and the troops; the leader must possess an adequate degree of self-confidence (Mann, 2000). The military leader must be a philanthropist with an active interest in others; General Schwarzkopf during the Gulf war used the term love in showing respect for others (Mann, 2000). Imagination, gift for teamwork, convincing professional qualities, better than average intelligence, and good management abilities are all requirements for military leadership (Mann, 2000). Plato’s View Plato (1901) in his The Republic described the evils of democracy which lead to anarchy (as cited in Wren, 2013). The solution to the potential anarchy is the establishments of leaders who have the nature of leadership. All others are followers. The elect have qualities of a good memory and a quick study of learning to be noble, find the truth, justice, courage, temperance, and to know kindred (Plato, 1901, as cited in Wren, 2013). This view of leadership separates the leadership class and the follower class. The perfection of a leader comes with years of education (Plato, 1901, as cited in Wren, 2013). Aristotle’s View Aristotle (1900) believed a leader must first be a follower and the leader must excel over the followers (as cited in Wren, 2013). Aristotle (1900) continued with a leader is a good man and should consider the souls of men when creating laws (as cited in Wren, 2013). Lao-Tzu’s View Lao-Tzu believed the wise leader is (a) selfless, (b) works without complaint, (c) is unbiased (does not play favorites) and (d) has a policy nonintervention (Heider, 1985, as cited in Wren, 2013). Additionally, Lao-Tzu suggested that the group can lead itself having the presence of the leader felt (Heider, 1985, as cited in Wren, 2013). In Lao-Tzu’s view, the leader should not force his insights; the leader is a facilitator (Heider, 1985, as cited in Wren, 2013). Machiavelli’s View Machiavelli (1954) believed that the world in made up of the vulgar (as cited in Wren, 2013). In this word, the leaders (Princes) should have the appearance of good virtue. The Prince must establish and maintain his personal power by whatever means necessary including manipulation and deceit (Machiavelli, 1954, as cited in Wren, 2013). Men are vulgar and simple and easily governed. These men, when deceived, praise the Prince as being honorable (Machiavelli, 1954, as cited in Wren, 2013). Commonalities and Disparities There are two commonalities I will discuss (a) maintenance of authority, power, and order, and (b) the leader as a good man. A major theme in the ancient world view is that leaders have as their charge the maintenance of authority, power, and order. Plato (1901) suggested that the philosopher kings are to be rulers of the hive, the king himself, and other citizens (as cited in Wren, 2013). This implies the king is to maintain authority and order. Aristotle (1900) suggested that leaders should excel over their followers (as cited in Wren, 2013). This implies that leaders are good men. A key disparity in ancient views of leadership is the importance of good moral qualities that the leader should possess. Plato (1901) suggested that leaders be the friend of truth, gracious, noble, and espousing justice (as cited in Wren, 2013). On the other hand, Machiavelli (1954) suggested that the results are the most important element of the efforts of a leader and the leader should obtain the positive results by whatever means possible including manipulation and deceit (as cited in Wren, 2013). Analysis The various elements of military leadership as described in the Modern Military Leadership section can be summarized as (a) morality, (b) high level of training and skill, (c) maintenance of authority and order and (d) maintenance of a leadership hierarchy within the organization. From the review of the views of Plato, Aristotle, and Machiavelli, support for (a) high level of training and skill, (b) maintenance of authority and order and (c) maintenance of a leadership hierarchy was present. The views of Plato, Aristotle, and Lao-Tzu supported some forms of morality. Machiavelli did not support morality. He only supported the appearance of morality (Machiavelli, 1954, as cited in Wren, 2013). One can see that none of the ancient views of leadership exactly fits the model for the modern military leadership. Conclusion In conclusion, the leadership in our modern military takes into account many different views of leadership. From this study, one can see that elements of each of the ancient views of leadership exist in the design of modern military leadership. No one ancient view of leadership exactly matches the design of modern military leadership. The effectiveness of the modern military leadership model can be seen in examining the results of the Gulf War lead by General Schwarzkopf