people working on advising reports

Five Reasons For a Financial Advisor

 

  1. You need the expertise of a Financial Advisor to evaluate your financial situation. Knowing how much money you have for spending and for saving is crucial. Some of your money may already be allocated; but it can be converted into cash. While other investments could be invested for a set term. You could have a savings account that is not offering a competitive rate of interest. A Financial Advisor can help you to realize better options for investing your money; with a bank or other financial institution.
  2. Perhaps you could earn more interest on your money by investing it in mutual funds. Mutual funds provide the opportunity, to have your money professionally invested in a group of stocks; as part of an organized portfolio. Your money will be managed – by a licensed and fully trained – fund manager, who has accredited designations, from the Canadian Securities Institute. A Financial Advisor can guarantee that your money is assigned to a reputable Fund Manager. A Financial Advisor has been properly trained and received relevant certifications. A Financial Advisor has a wealth of experience and can maximize the potential of your portfolio.
  3. You need the expertise of a Financial Advisor, to determine if you have adequate insurance. Perhaps you have many insurance policies and are uncertain as to the full benefits of coverage. You may be paying too much money for the coverage provided. A Financial Advisor can review your policies, to ensure that you have relevant insurance coverage. Your insurance products should be tailored to your lifestyle and long term goals. Some policies can be redeemed for their full value if not used. A Financial Advisor can review your policies with you, to make sure that you will be able to receive the maximum benefits.
  1. A Financial Advisor can evaluate your mortgage insurance policy. You will need sufficient coverage to protect the balance of your mortgage. Do you know if your current coverage is sufficient? Do you know the benefits of having privately held insurance, to cover a mortgage balance? A Financial Advisor can provide you with options for mortgage insurance, which can cover you, regardless of your age, which may not be the situation with your current lender.
  1. Retirement planning is another arena where a Financial Advisor can provide reliable guidance. Will you have enough money to retire? Will you have to pay penalties or fees when you cash-out your Registered Retirement Savings Plan or Registered Retirement Income Fund? Do you know all of the details, on the benefits of government retirement benefits? Are you aware of the available options, such as; Canada Pension Plan, Canada Pension Plan Post-Retirement Benefit, Old Age Security, Guaranteed Income Supplement, Low Income Allowance, and International Benefits, if you worked in or lived in another country? A Financial Advisor can provide specialized advice. A Financial Advisor will make sure you are aware of various strategies for ensuring a stable retirement; as well as many other possibilities.

 

 

Return form for income tax

Rate of Return on Investment 

What is your return on your real property investment? You need to evaluate in more than plain dollars and cents. It is not only what you scoop in terms of profit in a real estate transaction in relation to your initial investment. Rather your calculation should encompass all relevant components of the deal.

Perhaps you spend time and effort to find and secure the right agent to list your home. The amount of time you allocated to negotiating your sale price and the agents’ commission is an investment of your time and energy, which you may not be able to reclaim in terms of actual money. Also, you may have needed to hire trades people to renovate and improve your property to bring it up to a saleable state. These monies also count as part of your financial commitment to your estate.

What about time and expertise you may have devoted to consultations with the person responsible for staging your home? Surely any fixtures you needed to buy to set the right stage for your home, as well as any decor upgrades have a quantifiable value that you should strive to recoup. Not to mention the time and effort you allocated to finding the right real property Lawyer, or for securing of the right title insurance.

There are many Lawyers who work in real property transactions, but not all of them are specialists who carry specialized title insurance. Some title insurance companies such as Title Plus may offer protection for unpaid utility bills, owing maintenance fees and debts related to partially purchased appliances. Some policies with some title insurance companies could offer insurance for a set time after move into a Resale Condo for originally purchased appliances. Other policies may offer coverage for repairs that need to continued or completed to due to irregularities in building permits.

Could you imagine buying a property that is on a road that to which you, as the new owner, do not have legitimate access. Or your may have bought a property that has a right of way that permits a neighboring property owner to drive across / through your driveway to access their home. Having a qualified Lawyer who specializes not only in real property deals, but also who is an expert in irregular land deals is a plus, when buying a home. Moreover, a unique or all encompassing title insurance policy is worth much more than what you may pay for coverage.

 

man working in a collective space

Collective Intentionality – An Examination of John Searle’s: The Construction of Social Reality.

Page 1 (First Installment of 4 Page Essay)

“The central pan on the bridge from physics to society is collective intentionality, and the decisive movement on that bridge in the creation of social reality is the collective intentional imposition of function on entities that cannot perform those functions without that imposition” (Searle: 41). Let us examine this claim in three parts. Firstly, the central pan from physics to society is collective intentionality. Secondly, the decisive movement on that bridge in the creation of social reality is the collective intentional imposition. Thirdly, the collective intentional imposition of function on entities cannot perform those functions without that imposition.

The central pan from physics to society is collective intentionality. The central part of physics might be the basis of physics. Human knowledge of the physical sciences is limited, in the sense that we see the sciences through mathematical equations, which form the laws of physics. Also, by referring to ‘the central pan of the bridge’, Searle might be making an analogy to the arch of the bridge between physics and society. It is the arch of a bridge that provides structural support to that bridge. Should the bridge break in anyway, it is the arch that will remain intact and serve to support that part of the bridge that did not collapse. More specifically, the arch that connects the two phenomena together is collective intentionality.

Collective intentionality joins (or rather incorporates) physics and society. Searle claims that “if we never existed, if there had never been any representations – any statements, beliefs, perceptions, thoughts, etc. – most of the world would have remained unaffected” (Searle: 153). Yet this would not prevent the existence of a natural process in the world. Physical laws, however, would not have any meaning without human beings. The world might have operated according to a natural process without human beings (who provide collective intentionality), but scientific laws and theories would not exist. Furthermore, society, which is comprised of intentional and social facts, could not exist without collective intentionality. Society is a composition of collective intentionality (Searle: 41).

Page 2

It is not collective intentionality that provides for the existence of society and social facts. The shared perception of the members of society (and of the World for that matter), comprises collective intentionality. Collective intentionality also comprises mathematical law (such as 1 + 1 = 2), because there is a collective intention to produce this sum.

The decisive movement on that bridge in the creation of social reality is the collective intentional imposition. More than there simply being a collective intentionality, it seems that there is also an imposition of the intentionality. Laws of physics and social facts exist as they do (and are understood in a certain way) because intentionality does not exist automatically. Human beings impose social facts on the laws of physics and on society.

We might then ponder the following question: If there were a collective intentional imposition, would such an imposition not affect the thing that is defined or conceived? In the case of social facts, it is by defining the purpose of the constructed item that gives that item meaning, which actually makes it what it is and not something else. For example, a chair is defined as a chair and not as various pieces of wood of differing sizes and shapes that are interconnected. To further clarify our position, a person from a remote culture would likely not identify a hat in the same manner that we would. The same idea applies to Inuit people when dealing with snow as an object. Firstly, with regard to our example of dealing with the hat as an object, members of the remote culture might interpret our idea of a hat to be a container for food. In the second example, Inuit people may consider outside cultures as being simplistic, because Inuit people have more than thirty names for snow, while most people only know of one name for this substance.

Page 3

The collective intention of a societal fact might have meaning in the culture by which it is defined, or where it is perceived as a social fact. These values and norms might not be universally interpreted in the same way. The language we use to defined social facts sets a boundary for something to be a social fact. Culture might not be so much a distinguishing factor for common value, as might be language and the limits of translation to maintain identical meaning (Searle: 37). The same might not be accurate for physics.

Physics, unlike social facts, is a form of mathematics. Mathematics does not need to be translated and numbers can be universally understood. The number 1 or the number 5 carries the same value in any language. This claim, however, suggests that all cultures both use and understand numbers in the same fashion that we do and that all nationalities have been exposed to our numeric system. If there was a universal method of communicating to all cultures the meaning of a number and its relationships within our mathematical system, then we could claim: that every culture could understand our numeric system and its mathematical laws. Whether or not we could teach people from different cultures to perform equations – in math or physics –  is irrelevant. Within our society, there are educated people who understand our numerical system and can perform basic mathematical calculations. Yet they are unable to understand the dynamics of physics.

Page 4

The collective intentional imposition of function on entities cannot perform those functions without that imposition (Searle: 41). We should then understand that social facts and physics could not exist, as they are, without a collective intentional imposition. The imposition also allows for social facts and physics to function. In the case of physics, it is not only physics (including the laws of physics) that seemingly causes it to function the way it seems to those who employ its use. The crucial point to consider is, that without the collective intentional imposition, we would not be able to derive universally accepts laws about the world and complete formula equations.

We would not be able to use or exchange social facts within our society, unless the collective intentionality was imposed upon it. Money would not only fail to have the meaning that is ascribed to it (as a form of currency), but its value which is based on a certain standard would not have any meaning unless we imposed a collective intentionality on the standard (Searle: 37). Society collectively accepts as a norm and as an economic standard, that money does not have an inherent value. The value of money is based on whatever the collectively accepted criteria might be at the time. During the Bretton Woods Summit, it was decided that currency would demonstrate value based on the gold standard. Since then, basing its worth on other components has provided a standard value for currency. Money maintains a certain value, only when, in the international community, it is accepted at the same value that had been ascribed to it by the issuing government.

Society and physics both exist as a result of collective intentionality. They exist for the purpose of demonstrating social facts and social institutional facts. Society, and the various segments that comprise it, has an existence due to components of many social facts, which are collectively accepted as having an imposed purpose attached to them. Physics and the laws of the universe are a human construction, which is based on an effort to comprehend the systems of nature. Through the collective intentional imposition of set systems and laws, human beings affect and impact the natural world.

 

Reference:

Searle, John R. The Construction of Social Reality. Great Britain: Allen Lane Penguin Press, 1995. Penguin Books.

 

two woman having argument about business

In this paper, I shall argue that the visceral mode is the most useful of the argumentation modes. The logical mode and the kiseral mode are the building blocks of the visceral mode. The visceral mode, which stems from the physical, is readily observable. Unlike other modes, the visceral mode does not require language to emphasize the intensity of a dispute.

Let us discuss the various modes of argumentation and strive to identify them in well-reasoned arguments. Let us begin with Gilbert’s explanation of the various modes of argumentation. Gilbert states:

I suggest that these arguments can be categorized by not one, but four distinct identifiable modes. These are, in addition to the (1) logical…(2) the emotional, which relates to the realm of feelings, (3) the visceral, which stems from the arena of the physical, and (4) the kisceral (from the Japanese ki meaning energy), which covers the intuitive and non-sensory arenas. (Gilbert, p. 164)

Let us strive to understand each mode if argumentation, individually, before we attempt to employ all four modes to argumentation theory. Let our examination beg with the explanation that Gilbert provides us with for the logical mode of argumentation. “…’logical is not being used in the sense of deductive, but in the sense one has in mind when one says of a thought or argument, That’s logical’”, (Gilbert, p.166), which is the sense twill be that will employed throughout this paper. Gilbert also states, “Paradigm arguments…which are not at all deductively correct, are so-called dialectical arguments”, (Gilbert, p. 166). But that is not all that he explains.

Gilbert claims that the emotional modes are displayed through the other modes. “Emotional arguments…communicate to us aspects of a dispute partner’s world that logical arguments do not. These include elements, such as a degree of commitment, depth, and extent of feeling, sincerity and degree of resistance” (Gilbert, p. 170).  To explain the visceral mode, he tells us “…a kiss, a look, a touch, a feeling, may be an argument, provided it is communicated in a dissensual interaction” (Gilbert, p. 165). “The kisceral mode of communication that relies on the intuitive, imaginative, the religious and the spiritual, and the mystical” (Gilbert, p. 173).

Having noted Gilbert’s explanation of the four possible modes of argumentation, we can proceed to determine the purpose that each mode serves. Also, we can endeavor to evaluate the levels of communication that each mode utilizes. We strive to discover hidden and linguistic levels. The levels of argument are the ways, by which various mode are in conjunction. Our first example will focus on the visceral mode of argumentation.

John and Sue are discussing which movie to see. Sue suggests: “Steel Magnolia’s”, (an emotional drama) and John suggests that they see a science fiction or action movie instead. The physical responses / gestures displayed by John and Sue show us how each of them really feels about watching the other’s chosen movie. Upon John hearing Sue’s suggestion, he might exhibit a disgruntled facial expression, along with a sigh. This would indicate that he is totally against viewing the “Steel Magnolia’s”. Did John, by his expression, just start an argument? That would, after all, depend upon Sue’s interpretation of John’s physical reaction to her recommendation.

Sue might interpret John’s physical expressions to indicate that he would be miserable watching “Steel Magnolia’s”. She might interest his sigh as meaning: “But why?” If she assumes his sigh means: “But why?”, then we now begin to observe an argument. John is the reluctant, but guilty protagonist. A reciprocal scenario might also apply. Sue could viscerally display her response to John. Then John would know that Sue did not want to a science fiction, or action flick. If she expressed her opposition solely through facial expressions, then John might not be personally offended.

If neither John nor Sue responded, to one another, verbally, but both viscerally conveyed their own opinion about the other’s choice in movies, then an argument might have begun in silence. What’s more, neither John nor Sue knows how the argument began. If either or both of them had provided a verbal response, then an argument might have been avoided. If they had politely and verbally objected to seeing the movie that the other one had suggested, then, as long as the rejection was not perceived as personal affront, an argument might have been avoided.

Within the above-noted example, various levels of argumentation are clearly demonstrated. While only the visceral mode was intentionally employed, we are able to able other modes of effective communication. The actors strove to limit the modes they used to the visceral mode. When this mode is utilized other modes will surface. The visceral mode is the readily apparent mode. While the visceral mode centers on physical expression, actors might employ logic in their perceptions of the argument and its issues.

The logical mode might not employ the other noted modes, or even have adjoining levels. A logical argument might follow a set pattern of reasoned discourse. Only if the argument was structured and / or evaluated according to logical rules could it then be labeled a ‘logical argument’. Let us offer an example of a logical argument. But before endeavor to do so, we must first explain what is required for an argument to be considered logical. In The Concept of Argument, Hamblin states, “An argument is generally regarded as being whatever it is that is typically expressed by the form of the word ‘P, therefore Q’, and so Q’, ‘P, hence Q’; or perhaps, ‘Q, since P’, ‘Q, because P’” (Hamblin, p. 228). Hamblin continues “…there is something repugnant about the idea that Logic is a vehicle for the expression of the logician’s own judgments of acceptance and rejection of statements of arguments.” Hamblin outlines the role of the logician where the states, “The logician…is not a judge…he is, at best a trained advocate…It follows that it is not the logician’s particular job to declare the truth of any statement, or the validity of any argument” (Hamblin, p.244). Wenzel, however, provides us with a different explanation of logic.

Wenzel claims, “An argument,’ says the logician, ‘is a set of statements consisting of premises and conclusion, or claim and support (Wenzel, p. 176). He further claims, “A good argument…from the standpoint of logic…is a sound one” (Wenzel, p. 126). But there are still more requirements for logic to play a role in argument. Toulmin asks: “Is the logical form of a valid argument something quasi-geometrical, comparable to the shape of a triangle or the parallelism of two straight lines…Supposing valid arguments can be cast in a geometrically tidy form, how does this help to make them any more cogent” (Toulmin, p.95). Modeling an argument does not the discourse. Making diagrams of arguments does not make them easier to evaluate. Displaying the argument in its parts, however, might make them easier to evaluate.

There are varying opinions as to what constitutes a logical argument. It must have a premise, a claim entailed in the premise, backing for the claim and a conclusion, which confirms the claim. Gilbert however, explains logic differently. In his article, Multi-Modal Argumentation, he uses the term logic to mean: “Hey, that makes sense.” He is not employing the use of logic to entail any deductive reasoning process. Rather, Gilbert suggests that the social actor might immediately and inherently know what ‘logic’ means.

Logical arguments are embedded within the other modes of argumentation. In a visceral argument, however, logic is communicated by the inflamed expression of an actor, who readily displays his response to a verbal communication. The argument would then be partially visceral and partly verbally communicated, but it also contains an emotional mode. The argument would not be said to have begun, however, until the antagonist responded to the protagonists’ harassment. The protagonist would be aware of the logic he/she used to provoke the response he/she instigated. Other than viscerally arguing, or using logic in an argument, the kisceral mode might be used to start or possibly solve an argument.

Let us now examine the emotional and kisceral modes of argument together. They are often used cooperatively in arguments. Let us provide another example. Dave and Michelle are married and they are eating dinner. Michelle acts Dave why he was at work so late last night. Dave explains that he had a lot of work to complete. Michelle replies: “I don’t like you working late and I think that your secretary might be working late with you.” This is a kisceral argument. It is certainly not a logical one, but it is definitely based on emotions. Dave might reply in an emotional way and thus begin an argument. He might say: “I have to work late to support our lifestyle. If you don’t want us to live in this house or maintain our lifestyle, then I will quit my job and thus have nothing to do with my secretary. Would that make you happy?”

In the example, illustrated above, we have the emotional mode of argument where there seems to be an exacerbating of an otherwise moot issue to aggravate the kisceral mode. But while the kisceral mode is dependent on ‘intuition’ and ‘hunches’ it operate in other modes, as well. Gilbert says: “Even such mundane occurrences as a married couple’s simultaneously thinking the same thing would suffice to keep the category from being void” (Gilbert, p. 173)/ But within this mode, and more specifically within the example above, the emotional mode played a vital role. For a husband and wife to share the same thought at the same time, they would, as in the case of any thinking, be recalling or reflecting upon a shared prior experience that led to their current thought. But while a couple can share thoughts, they will not necessarily have logical arguments with each other, due to the overlap of emotional and imagined or real intuitive reads into the others mindset. Let us now return to the visceral mode and observe how it unintentionally encompasses the remaining modes of argumentation.

John and Steve are neighbors, who happen to be outside at the same time, in the warm summer climate. John is mowing his lawn and wearing headphone. Steve is barbecuing on the porch. As Steve flips hamburgers, with a spatula, he notices John mowing his lawn with the lawn mower Steve lent him last Spring. Steve did not have access to last Summer. Steve owns the lawn mower and wants to get it back immediately from his ungrateful neighbor, who mindlessly failed to return the lawn mower on his own initiative. Steve motions to John, by raising his spatula and then by pointing it towards the lawn mower, then pointing the spatula back towards himself. John, who happens to be facing Steve, stops mowing the lawn and halts the operation of the lawn mower, but does not turn it off. John abruptly raises his arms outward and opens his hands and mouths the word: “What?” John then proceeds to continue mowing his lawn and turns away from Steve.

Did an argument just ensue between Steve and John? If so, then what modes of argumentation were employed? We will assume that an argument did occur. We will further assume that Steve initiated the dispute. But would this be an accurate assessment of the scenario? Do we know if John recalled that the lawn mower he was recently using, actually belongs to Steve and that its’ reasonable return is long overdue. If Steve perceives that John understood his visceral motions, then we would reasonably conclude that Steve did not actually attempt to instigate a heated discussion. Rather, John started the argument. John knows that the lawn mower belongs to Steve. By the expression on Steve’s face, John knows that Steve is disappointed that John was still continuing to use his lawn mower. John also knows that Steve’s lawn is now outrageously overgrown – having not being mowed for a few seasons. Moreover, John knows that Steve lent him the lawn mower in good faith that it would be returned not long after it was lent to him.

Both John and Steve fully understand the argument. John knew, before he viscerally responded, that he would be wrong to state any defense. Because John did not turn of the lawn mower, he initiated the argument. John could have turned off the lawn mower and asked Steve what it was that he was trying to say to him. Also, John could have immediately apologized to Steve for, not returning the lawn mower, prior this bizarre encounter. If he had done so, then Steve might have unconditionally forgiven him, and an argument could have been avoided.

The emotional mode was also utilized during the argument between Steve and John. The argument began when Steve displayed an angry face towards John. The kisceral mode might have been use as well, that is, if Steve assumed that John intuitively understood his actions to be directly related to the lawn mower not being returned.

The logical mode might have also been in use throughout their ordeal. John may have realized Steve’s anger, but did not seem to care about. John intentionally turned off the lawn mower, motioned as he did, to indicate that he did not care that the lawn mower he was using belongs to Steve. The logic employed by John was of the unspoken type, but clearly guessable, as to say: “I know I am still using your lawn mower. So what? Just continue flipping your hamburgers and leave me alone!” By John failing to remove his headphones and / or turn off the music to which he seemed to be listening, he demonstrated his use of the logic mode of argumentation.

By John expressing his reply, or lack thereof, and then resuming his cutting of the grass, he was utilizing the logic of in the style of: “I will finish mowing my lawn and then maybe I’ll speak with you. If you are lucky you will get the lawn mower back sometime this coming year. John and Steve had an argument, even though Lawyers or argumentation theorists were absent. Whether or not the various modes of argumentation were actualized, intentionally, they were used throughout the various modes of argumentation. “Were Grice’s maxims adhered to in the noted example? Furthermore, would his maxims need to be applied for an argument to be valid, or for an argument to be perceived in actuality?

Let us endeavour to answer these questions independently. Firstly, were Grice’s maxims, entailed in his Cooperative Principle, adhered to in the argument Steve and John had? Secondly, do Grice’s maxims need to be adhered to for a multi-modal argument to occur? Let us respond first by posing another question. Can Grice’s maxims applied, or even expected in an argument involving multi-modal argumentation that has few or no verbally communicative acts?

Both John and Steve followed the maxim of Quantity. But we might suggest that only Steve followed the maxim of Quality. He was truthful in his claim. John, however, was deceptive. Both John and Steve made relevant claims. Therefore, both John and Steve satisfied Grice’s maxim Relation. The maxim of Manner might be problematic in multi-modal argumentation. Steve failed to satisfy the maxim Manner. His claim was obscure. Steve also failed to avoid ambiguity. John might not have been unable to discern the intended meaning of the wild movements that Steve made in his motions towards him. While Steve clutched and pointed his spatula he might have misstated his case. John would have fulfilled the maxims of Manner category, except he failed to satisfy the requirement of orderliness. He would have satisfied the claim if he had first turned off the lawn mower and then stopped it and took off his headphones. The argument John and Steve had was a silent ordeal, but it satisfied some of Grice’s categories. Let us now move to the second question.

Grice’s categories and maxims do not need to be followed by social actors. This is especially true when actors enter into a multi-modal argument that combines the four modes. The question then depends on not whether the social actors are involved. “But, do non-verbal arguments adhere to Grice’s maxims?” This questions, however, should be examined elsewhere.

Let us conclude by claiming that the best mode of argumentation is the visceral mode. The reasons for this were clearly explained above and they will be recapitulated here. The visceral mode is the mode existing mode of argumentation. It employs the remaining modes in the most communicative way, while not requiring the use of verbal statements.  The visceral mode, however, is the most intense mode, because initially words are not used, rather communication can begin solely by way of facial expressions and physical gestures. Eventually the visceral mode can blend both physical and verbal expression.The inability of observers to be able to be able to identify the protagonist adds complexity to the argument and possibly confusion as to what is being disputed. To answer the questions that we asked at the beginning of the paper, we must explain visceral arguments even further.

In response to the questions initially posed during our discussions, ‘ What modes of communication are in argumentation? How much is hidden? How much is linguistic? Do Gilbert’s levels tell us anything valuable about argumentation? The answers to these questions are obvious. Gilbert presents us with four communicate modes. There are the visceral mode, the logical mode, the emotional mode and the kisceral mode. These modes interact with each other throughout various types of arguments.

To answer how much is hidden, we will reply by saying, “The right question is not how much is hidden, but rather how much is really revealed, and when it is fully expressed?” How much is hidden depends on the type of argument and what is communicated throughout it. If the argument is visceral, then only language is hidden. For the other modes of argument, what is hidden depends on what is projected by the actors. What is perceived or ignored by on actor benefits the other actor, or vice versa. How much is linguistic depends on whether the argument is verbal. All of the modes, except the visceral mode, could be linguistic. The logical mode is knowable through the employment of the three other modes.

Firstly, Gilbert’s modes clarify approaches to argument. The length and shared perception of the argument depends on the mode that is used. The four modes, and the way they act in cooperation with one another, dictate the intensity of the argument. Gilbert’s modes assist social actors in understanding argumentation. As well, Gilbert’s modes illustrate that one can have an argument without saying a word!

 

 

 

people looking at a map

An examination of David Hume’s Theory of Non-Sensory Sources

I shall argue that Hume does not account for non-sensory sources in his claims regarding efficient causes. Not all claims of possible perceptions of things in the world must be derived from an impression. It is not a necessary requirement of a thing to be perceived by sensation or reflection for it to have the force of efficacy. G-d does not exist as a cause solely because there are effects resulting from his existence.

Hume fails to account for non-sensory sources in his claims regarding efficient causes. There are things that might exist in the world that cannot be sensed. Things that have not yet been discovered could still exist. Our sensing, or rather our ability to sense something, does not bring about the existence of that thing. Conversely, our inability to sense something does not prevent that thing from existing. “Jacques Monod, the French Nobel Prize-winner advances the possibility that all living matter on this planet derives from one single nucleic acidic molecule” (Munck, 1974:31).

Before we could sense the effects of a certain disease, the disease did not necessarily fail to exist. Rather it lay dormant, either in other creatures or within a person. To say that a planet that has not yet been seen by the human eye does not exist is not a logical claim. It would not be a logical claim to say that until the planet is observed it might not be sensed. Nobody has seen the planet, because it potentially has not yet been discovered. Our inability, however, to depict an idea / image of something that has not yet been perceived by our senses, is totally independent of the actual reality of that thing.

A father cannot sense the pain involved in the labor process for giving birth to a baby. While he can, however, empathize with the mother who is birthing. He can hold her hand during labor to gain a sense of the degree of pain that she might be experiencing as a result of birth pangs. The husband could not actually know the intensity of the discomfort his wife may be feeling. He may have an idea of pain from his own experiences and could imagine the magnification of uneasiness. This seemingly relative process of empathizing does not really provide him with a real understanding of these aches, which he had never directly experienced. The same argument could be applied to one’s ability to sense a deity, using parallel reasoning, as will be demonstrated throughout this discourse.

A disease, which could be could damaging to one’s health and manifests as rashes all over oneself, with symptoms of vomiting and discomfort, is phenomenon of which one could have some awareness. One does not, however, sense the disease itself, but only its effects as the disease interacts with one’s immune system, which strives to purge out. The cause of the disease is one that one might not be able to observe through reflection or sensation. Nevertheless, the results and the effects of the illness are apparent to oneself. One is immediately aware of the pain that one feels and the fear of the progression of the sickness, while one still remains physical distinct from actual disease.  There must be a cause that is linked to the horrible effects of the disease. One is not in any way to determine the cause intrinsically. One can rely on the advice of medical experts as to possible causes. Yet one will never know with certainty what actually caused the sickness to manifest within one’s physical being.

In the example of the woman giving birth, it would be beneficial to search for the process by which she became pregnant. Obviously there was a process of conception that led to her giving birth. Will the baby have any conscious awareness of having been conceived, which was the initial cause of its birth. Is it possible that the baby could have a perception of its being created? Perhaps there is a way for the memory to be realized through some psychological regression exercise. The same line of reasoning could be applied to our comprehension of G-d and our ability to perceive of the existence of the Divine.

At some point in time there must have been a perception of G-d. How could we have an idea of the Divine, unless there was an impression of the Divine at some time in History? The idea of G-d does exist in the minds of the majority of world’s population. But what is this idea of which people have a mental perception? There is not a universally accepted image of G-d’s from or appearance – if there is one that a human being could possibly conceive of – but there is an agreement by many religious factions that such an entity does in fact exist. According to the Hebrew Bible, at the revelation of G-d, at Mount Sinai, was observed by millions of people witnessed (six hundred thousand men). The discussion must now focus on what it truly means to witness G-d. Did these observers really see any type of form?

It is written in the Hebrew Bible, that when the Hebrews witnessed G-d, they became spiritually elevated and were unable to perceive in a physical sense. Following this experience, the Hebrews reached the land of Israel and have faithfully continued to believe in the existence of the Divine. While there was never a real observation of an actual image of the Divine, there were created many believers whose descendants are now today also believers. The proof that G-d exists is not in the form or in the way of an image, but in the result or effect of the realness of the Divine. Within the Bible there are laws that are followed by a segment of society, some of which are opposed by others. This document contains clearly delineated punishments for those who disobey or transgress the prescribed laws. If someone asked a person who was being punished for breaking a law, why they believed they were being punished, they might claim that their predicament has something to do with disobedience to the Divine command, even if they were not a so-called believer.

The person being punished would likely agree that. “it is morally necessary to assume the existence of G-d” (Kant, 1948:22). An impression of a thing, however, does not guarantee its actual existence. Hume would disagree with Kant on this claim. He would argue that: “necessity is something that exists in the mind, not in objects: nor is it possible for us ever to form the most distant idea of it…” (Hume, 1985:166). There was necessity for laws to be established, in order to secure the lives of the Hebrews in the desert. Therefore, it was necessary to conceive of a deity, who would be the very source (cause) of the forced compliance with the laws (effects).

There are things in the world that might exist, but we are not able to observe them in a tangible form. We have an innate idea of them, but cannot physically demonstrate them. Among these things are commensurable lines, perfect triangles and the middle shade of blue that has yet to be colored. In the example of the perfect triangle, Kant explains:

the proposition that a triangle has three angles is absolutely necessary; and thus they spoke even of an object that lies entirely outside the sphere of our understanding…The…proposition does not say that three angles are necessary absolutely…under the condition that a triangle is there three angles necessarily are also there (in it)”, (Kant, 1996:579).

Kant then argues that, “people framed prior concept of a thing and arranged this concept in such a way that, in their opinion, it comprised in its range also” (Kant, 1996:580).

In addition, existence of numbers can be questioned. For example, the written number four can clearly be seen in written form on paper before my eyes (if I wrote it out). I only have a vague idea of what the actual number four is and this idea is an innate one. This idea can be explained through the use of mathematical models, but the source of our cognitive awareness of numbers is unknown. Likewise, in the case of a deity, Hume has not clarified its source.

We have images of various things in our mind, even though we have not yet observed them. There might exist somewhere a perfect triangle, but until one can be displayed, its existence remains in dispute. The same claim can be used to represent the intuitive knowledge of G-d. One could read the Bible and gain an understanding of the results of G-d’s existence, within those pages that one reads. From there, an image of what G-d might be can be formed. Kant believes that we have an idea of a deity that does not come from an impression, but rather from another source. The idea of G-d is derived from pure reason. Kant claims: “the concept of a supreme being is in many respects a useful idea. But this idea…is quite incapable of allowing us to expand…our cognition regarding what exists” (Kant, 1996; 585). He further claims that: “all real properties in a thing is a synthesis whose possibility we cannot judge a priori…the possibility of synthetic cognitions must always be sought only in experience; the object of any idea, however, cannot belong to experience” (Kant, 1996; 585-586).

Hume wrote a contrary claim. He argues that: “the supposition of a deity can serves us in no stead, in accounting for that idea of agency, which we search for in van in all the objects, which are presented to our senses, or which we are internally conscious of in our own minds” (Hume, 1985; 160). Hume continues to require an impression of a thing to prove its existence. This impression of a thing, for Hume, must be either a sensation or a reflection. But Hume does not account for innate ideas, in the respect that one can have an image of something that one has not sensed or reflected, as is demonstrated in the case of the missing shade of blue. He leaves himself vulnerable for critique when he states: “the conception always precedes the understanding” (Hume, 1985; 164). If the conception does precede the understanding, the Hume could conceive of a deity without having understood it. The failure to comprehend something does not prevent the conception of the thing itself.

Hume fails to defend his claim against the possibility of the existence of a deity, when he claims: “we can never have reason to believe that any object exists, of which we cannot form an idea” (Hume, 1985; 172). If this claim is further employed in an argument against that which is not necessarily an object, but a being in existence, then Hume cannot argue against the existence of a deity, in which an idea can be formed, regarding its existence. The examination of Hume’s general rules of causes and effects might help to clarify his position. Hume claims that: “the same cause always produces the same effect, and the same effect never arises but from this same cause” (Hume, 1985; 173). This claim is not a valid claim and can be disproved of being an absolute claim. If a match is struck against a surface and is ignited a set number of times, it is not certain that each time, the striking of the match (the cause) will produce the ignition of the flame (effect), (Johnson, 200).

If Hume erred in judgment regarding his own set of general rules for objects and their causes and effects, he could have erred elsewhere in his claims. Hume does not account for non-sensory sources in his claims regarding non-sensory sources. There are things in the world that do exist, both in observable form and in the mind, which cannot be sensed. It is possible that these things have not yet been discovered (as in the case of the missing middle shade of blue or things that are not sensible, such as the number four). Not all claims of possible perceptions of things in the world must be derived from an impression. Just because a perfect triangle cannot be drawn, does not imply that it could not actually exist. It is not a necessary characteristic of a thing to be perceived by sensation or reflection, in order of it to have the force of efficacy. In summation, G-d does exist as a cause, because there are observable effects as a result of the existence of the Divine.

Bibliography

Ed. L.A. Selby-Bigge. Hume, David. A Treatise of Human Nature. 2nd Edition. Section XIV, Oxford: Oxford University Press, 1985.

Munk, Eckehard. Biology of The Future. Great Britain: Jarrold & Sons Ltd, Norwich, Collins Publishers: International Library, 1974.

Translated by Werner S. Pluhar. Kant, Immanuel. Critique of Pure Reason. Unified Edition. Indiana: Hackett Publishing Company, Inc., 1996.

Translated by T.K. Abbott. Kant’s Critique of Practical Reason. London: Longmans Green and Co., 1948.

man walking with business bag

Regardless of whatever business you are in you need to have a strategy for success. The first call or initial consultation, with a client, sets the stage for every other future communication, since it is the first impression and these count a hundredfold.

You want to dazzle your potential client with your knowledge of your industry and paint a mental image in your potential client’s mind that portrays you as an expert in your field. But offering too much information can be counterproductive.

Instead you want to present your abilities in a good light. Keep the conversation short and to the point. Ask for a retainer or a consultation fee before the end of the telephone call. Yes, be bold be proud and make sure that your effectively communicate that your expertise has a value.

If you demonstrate your worth through seeming to be a professional in your industry during the initial consultation, then this image will remain in the mind of your client for the duration of your working relationship.

Be clear on your capabilities. Be confident in your skills. Be sure of your ability to deliver superior results. Set a timeline for completion that will certainly meet or exceed.

staff of business working

Why do big box stores or department stores spend so much money on marketing and promotion and almost no money on training and retaining staff members? It seems like customer service failed many shoppers of big box stores.

If staff are only paid minimum wage, then how can they be expected to demonstrate great customer service? Instead these unmotivated workers will only perform basic duties as per the job description. If there is no incentive for a sales person to learn their job thoroughly, then they will only have basic knowledge about products.

Large department stores need to offer regular training to staff members on products and sales techniques. Funding should be made available to staff who want to take relevant courses that will help them to perform their job better. Some companies offer these options. Yet this strategy seems to be foreign to big box stores where employee turnover is rampant.

High employee turnover is problematic because people buy from people, just as much as they purchase products or services out of necessity or desire. Knowing and having a relationship with an employee at a store, such as being able to talk about the weather and having the staff member being aware of the customers name is essential customer continuity. People like to be called by their name, whether it be there first or last name.

Some people may believe that customer satisfaction rests with the manufacturer of a product. But in a customer service environment, such as retail outlet customer satisfaction is what counts. This can only be achieved if customers receive a smile, an appropriate greeting and are treated like family.

People want to be spoken to in a cordial manner, feel welcomed and received as though they are appreciated. If customers are not made to feel as though they are valued at a store, then they will not care much about the products, which they can purchase elsewhere. If customer choose to shop elsewhere, then certainly it will much more difficult and more expensive, in terms of advertising and promotion to regain customer attention and loyalty, then to initially ensure customer retention. Some companies offer a loyalty club membership or rewards program toward this end.

If one cannot create a positive consumer-friendly environment, then perhaps it would be best for the products to only be sold online or in a warehouse. People shop not only for the item they want to buy, but for the experience of shopping in and of itself.

 

people collaborating about a business deal

Regardless of the actual languages spoken in a society the language of enterprise is unique. Colloquial speech is irrelevant for commerce. Every arena of business has its own dialect. Likewise, there is a language of business. 

Every realm of trade utilizes its own key terms and phrases for expediency. Is there a unique jargon for your area of financial development?

To be successful in any type of merchantry one must know the vernacular or shoptalk used in one’s business. The speech used in a business deal for a Real Estate Transaction will be different from the jargon used during an auction for property. Also, terminology and presentation requirements will be different during the acquisition and / or merger of a company. Knowing the trade terms for the industry in which your deal is taking place will certainly give you an added edger over other parties to the meeting who do not know the norms of language or behavior. 

Being hip to the verve is essential for flourishing in one’s work. One must be aware of how to speak, when to do so at at what volume or inflection of speech. Avoiding repetitive phrases is most helpful to sounding professional. 

When working in any career area it is essential that one be conversant in the lingo, slang, jargon and specific terms, which are the tools of trade. Also, one should know the acronyms and abbreviations for regularly used phrases. 

Without a full understanding of the language and phraseology of a market sector one cannot fully immerse oneself as a member of the industry. If one is not completely fluent in the language of one’s business, then one will be a great disadvantage during meetings – prime time for financial negotiation. 

So before your first day on the job in a new career field, prepare for work by:

– Buying a good and current pocket dictionary.

– Buy a handbook of industry terms. 

– Read up on your trade in the newspaper and relevant publications; such as journals, magazines, or periodicals. 

– Research the company where you will be working on the internet, as well as major competitors. 

– Speak with as many colleagues as possible about the main terms and phrases that they use in their work. 

– Know everything about major advancements in your industry.

– Dress professionally according the industry standard and wear your clothing in a way that suits you.

– Being affiliated with top performers in your industry is essential for success.

people having a conversation about housing

Is there a rhythm to conversations? Is there a pattern to the dialogue of a discussion? Does the tone of speech and inflection affect the way message is delivered to the recipient?

Perhaps there is a rhythm of sales as well. The sound of confident sales person speaking, using relevant industry jargon and expressing one’s voice with enthusiasm is of great comfort to a prospective purchaser. In a way, a relationship is being built through a sales call.

A potential customer will be more likely to complete a purchase, if the sales person has good manners and cheerful countenance. The ability to make small talk and to speak in terms that are relevant to the prospective customer’s interests will prove valuable in securing a sale. Every salesman has a set process for his sales pitch and every transaction has momentum of combined perspectives.

It is important that the sales pitch be concise yet informative. The sales person should speak in an upbeat manner and definitely be smiling. Even if the consumer cannot see through the phone; a smiling representative will project a joyful presence, which gets transmitted through vibrations through the line. Sitting up straight, maintaining good posture and taking notes on the customers comments are useful strategies for ensuring high sales levels.

There is a rhythm to a sale. Like any interaction, both parties should find the discussion interesting and informative, but not boring. A concerted effort must be made by the negotiator or sales agent for each party to the transaction to ensure that the sales process is concise and focused on the deal. There must be no room for personal matters or opinions on any matter not related to the deal at hand to surface. Otherwise the sale could easily be lost and not recoverable.

People are by nature interested having conversations about whatever is on their mind at the time. A sales meeting or purchase process is not the correct venue for personal discussions or for the airing of opinions or views on global matters or personal issues.

Therefore, a star sales representative should keep sentences short and to the point and maintain a constant rhythm to their pattern of speech. The sales professional will redirect any discussion that is off the point of the deal and refocus attention on what is most important. This will ensure a lower call to sale ratio, with more leads maximized to the fullest potential.

business man putting on suit for meeting

There is a clear difference between being in business and being a business that generates a profit. Are you going out for business? More important though, then having profits, is existing as a company has a regular customer base and a good reputation among its demographic constituency.

Whether your company has one store or a chain of locations, your key requirement must be to have a steady following of customers who sing your praises. Some juggernauts department stores have majorly failed at maintaining a customer base. These businesses were going out of business while there competition was going out for business.

Newly emerging chain stores have come to realize that having a large selection of products is only one valuable resource. Great customer service should be coupled with low prices. Otherwise customers will choose to pay less every time.

Large department stores should invest in their staff, in terms of instilling morale; and in developing leadership skills among their management. Staff members who will regularly be in contact with customers should be thoroughly trained on how to smile, how to listen, how to sell, how to upsell and how to ensure superior customer satisfaction.

The right approach will lead to going out for business, while the wrong approach will likely result in a major chain going out of business. The choice is obvious. But will management choose correctly?

 

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