Monday, December 23, 2019
A Research On The Homeless Population - 942 Words
1. In your text on pages 208-209, the author discusses his research on the homeless population. He refers to the many routes one can take to become homeless. Choose two populations from his list that you think might work in your career as a human service professional. Describe two possible interventions or tasks that you might be involved with in working with each population. What are some of the general skills a human services professional might need to work with these populations? There are many types of homelessness in our society and our community. They become homeless for different reasons; it could be intentional or uncontrolled. The two that stick out the most for my community are the push outs and the new poor. The push outs are people who are kicked out by their parents, commonly teenagers; or families and adults who are evicted from landlords. The new poor are when people become unemployed due to work skills are out-of-date because of technological changes. Some skills that are needed to help each one of these groups is to meet their current needs. As addressing the needs of the homeless it is important to focus on prevention, as well as, remediation of their problem (ââ¬Å"What is human service,â⬠2011). As human service professionals should listen to their clients. When a client is speaking the clinician should pay attention, provide support, empathy, assessing, and goal setting. 2. For each of the types of homelessness listed above, identify/analyze specificShow MoreRelatedAnalyzing Self Awareness Amongst the Vulnerable Populations in United States1360 Words à |à 5 Pageskey to understanding how these biases affect the delivery of health care to individuals, families, and populations. Table of Contents Introduction: 3 Identify a vulnerable population- homeless population: 3 The populations demographics: 4 Personal awareness of the population: Attitudes, biases, and stereotypes. 4 Effect of research on personal attitudes: 5 How knowledge can affect health care delivery: 5 Mechanism to deal with theRead MoreVulnerable Population and Self Awareness Paper1620 Words à |à 7 PagesRunning head: VULNERABLE POPULATION AND SELF Vulnerable Population and Self-Awareness Paper: Substance Abuse Lesley Pyron University of Phoenix Vulnerable Population and Self-Awareness Paper Effective healthcare is dependent on understanding vulnerable individuals and populations with respect to biases and prejudices of healthcare providers. According to de Chesnay (2008), ââ¬Å"Vulnerability is a general concept meaning susceptibility, and its specific connotation in terms of healthcare is at riskRead MoreThe Constitutional Provisions Of India1112 Words à |à 5 PagesEnglish.pdf 2011, National Human Rights Commission, India) Homeless is a provisional condition that individuals fall into when they can t stand to pay for a spot to live, or when their present home is dangerous or unsteady. Different variables, for example, work misfortune, physical and mental disability, different hardships including individual, and substance abuse can pushed people s slide into destitution, and for some, inevitable homeless, particularly without legitimate social administrationsRead MoreThe Population Of Urban Areas Essay1566 Words à |à 7 PagesINTRODUCTION According to census defined homeless as houseless households. Households which do not live in buildings or census house but live in the open or roadside, pavement, in Hume-pipes, under fly over and staircase, or in the open in places of worship, man daps, railway platform etc. Are treated as homeless households. Households living in dilapidated homes or households without access to basic amenities, infrastructure or services apart from households with too many members living under aRead MoreHomeless Veterans Are Becoming More Prevalent Of The United States886 Words à |à 4 PagesINTRODUCTION American homeless veterans are becoming more prevalent in the United States. Research will show that American veterans are an overrepresented population among the homeless in the U.S. A homeless veteran is an individual who lives on the streets, in abandoned buildings, vehicles, encampments, shelters, or transitional housing (Veterans Today, 2013). As a matter of fact, homeless veterans do not have a permanent residence under their control. Homelessness in general includes thoseRead MoreAnalyzing The Interactions Of Volunteers At Mary s Kitchen With The Guests1705 Words à |à 7 PagesDiscussion The present study conducted aimed at analyzing the interactions of volunteers at Maryââ¬â¢s Kitchen with the guests that are currently homeless. The data was collected through interviews and observations for six hours. Observations were focused on to see how the volunteers are interacting with the guests such as the tone of their voice, gestures, body language, and attitudes that were observed while the volunteers were serving food to the guests and while they were handing out donated itemsRead MoreHousing And Urban Development : San Francisco1036 Words à |à 5 Pagesrate of homeless people is California with a total population of 113,952 homeless individuals with 71,437 of them being unsheltered (U.S. Department of Housing and Urban Development [HUD], 2014, p. 9). In 2014, San Francisco, CA was in the top-ten major cities with the largest numbers of homeless individuals totaling at 6,408 (HUD, 2014, p.11). The 2015 Homeless San Francisco Point-In-Time Count Survey was conducte d to gain a more comprehensive understanding of the experience of the homeless residentsRead MoreThe Perceptions Of Professionals On The Traumatic Event That Triggered ( Ptsd )998 Words à |à 4 Pagesbecoming homeless was the traumatic event that triggered (PTSD) posttraumatic stress disorder amid the homeless adolescent population of Raleigh, Durham, and Chapel Hill, North Carolina. Participants included 12 professionals with experience of working with homeless adolescents ages 13-18. A questionnaire was utilized for 14 participants to gather the information for the study, which had an 85.7% response rate. The results did not determine whether it was life experiences or becoming homeless that wasRead MoreCauses Of Homelessness1405 Words à |à 6 PagesAfter doing much research, I have learned that to develop awareness and interventions to be able to help the homeless population, we must understand their mental health and behavioral needs. The information they all share in common are the factors why a specific type of population became homeless. The interrelation of homelessness and mental illness are informed by many factors such as; the lack of support, extreme poverty, substance abuse, lack of affordable health insurance, and lack of affordableRead MoreEpidemiology of Homeless1613 Words à |à 7 PagesEpidemiology of Homeless/Indigent People with Mental Illness Vulnerable populations are defined in many ways. Variables of the definition are dependent on the author, their current location and how they believe that they may assist this population. Vulnerability as defined in a healthcare setting are those with a greater than average risk of developing health problems by virtue of their marginalized sociocultural status, their limited access to economic resources, or personal characteristics such
Sunday, December 15, 2019
Performance Metrics Case State All State Insurance Free Essays
Allstate Insurance Company intertwines business goals with performance metrics. Goal setting is an ongoing part of striving to become successful and happy in life. When an individual achieves a goal, another one is set to accomplish next. We will write a custom essay sample on Performance Metrics Case State: All State Insurance or any similar topic only for you Order Now Goals are personal and professional and the latter determines the longitude and latitude of a chosen career path. Organizations set goals for all levels of the company, from business units to individual contributors. The successful attainment of these goals determines if it is profitable year over year. Using the model for goal setting, evaluate Allstateââ¬â¢s goal setting process to determine whether or not Allstate has an effective goal-setting program. The goal-setting model has 4 aspects used to motivate employees. They include direct focus on high priorities, regulate effort, increase persistence, and create strategies and programs to achieve goals (Hellriegel, D. Slocum, J. 2011). Allstate has a very effective goal setting program in place. One part of their program is to correlate managerââ¬â¢s pay to companyââ¬â¢s goals. They use an online employee survey and feedback tool as the measurement. This practice touches on all four parts of the goal setting model. It forces the managers to maintain focus on the companyââ¬â¢s diversity goals, while encouraging them to identify areas of opportunities and potential solutions. Allstate also has programs to support professional and career path development to provide individuals with the necessary knowledge and ability to achieve performance goals in each position. Discuss the competitive advantage Allstate has from the development of the Diversity Index. The index sets Allstate apart from its competitorââ¬â¢s at the most important level, the human level. Allstate uses it to ensure diversity inside the organization so they can understand and respect the diversity of their clients. The companyââ¬â¢s vision states differences are a competitive edge (Hellriegel, D. Slocum, J. 2011). An organization must be a reflection of the communities it serves. A global market requires organizations to have a diverse staff and understanding of multiple cultures. Allstateââ¬â¢s diversity index provides such an advantage over companies who have yet to embrace cultural differences. Recommend the types of high-performance reward system Allstate should use to motivate its employees to reach its diversity goals. The company should use profit-sharing and culture and reward systems to motivate its employees to reach its diversity goals. Profit-sharing reinforces the team based performance rewards. This type of rewards displays the companyââ¬â¢s recognition of each individual contribution to the bottom line. The culture and reward system is based on the employeeââ¬â¢s culture. It recognizes the diversity at the employee level. It is based on cultural values to motivate performance (Hellriegel, D. Slocum, J. 2011). This makes the reward specific to the culture and recognizes diversity inside the organization. If you were an Allstate employees, discuss whether or not you would be motivated by the Diversity Index and QLMS. Provide a detailed explanation. The Quarterly Leadership Measurement System (QLMS) and Diversity Index would motivate me. It is taken twice a year and analyzed to identify issues and make appropriate changes in processes and performance. One reason it is motivating is a percentage of the merit pay is determined by the results. Another factor is the behavior specific questions asked to all employees in the index. The focus on the results and frequency of the surveys prove itââ¬â¢s a high company priority. It can be perceived that noncompliance would have a negative impact on employment and advancement opportunities. It encourages consistent behavior that coincides with the diversity goals of the organization. Ultimately, diversity is part of the American culture. The citizens of this country are from all over the world. There is a global consumer base here in this society. Allstate is a leader in business because they are socially responsible. Allstate requires its employees to maintain a work environment which embraces diversity. This business strategy will maintain their competitive advantage in the market. How to cite Performance Metrics Case State: All State Insurance, Papers
Saturday, December 7, 2019
The Joke written by Roddy Doyle English assigenment free essay sample
The story is told by an omniscient narrator, and it is told from the male protagonists point of view. The story is about a nameless man who is trying to find the point of his thoughts. He remembers how his marriage used to be and how his wife would sit on his lap, how they would watch the TV together. But now he claims that if he leaves his wife, his wife would not care. He does not know what has happened to this marriage or partnership as he refers to it. He is in doubt and he is angry. In the story, he likes to ell his wife a Joke and make her laugh like the old times. But he is nervous and does not want to seem desperate, because then he is worried that they would drift even further apart. He also fells very unappreciated. 2. Characterize the main protagonist: He is a anonymous man who seems to very confused about his life and marriage, He is married and has children. We will write a custom essay sample on The Joke written by Roddy Doyle English assigenment or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page He is going bald. He claims that he still loves his wife. He is very eager to have his wifes attention although he says otherwise. He is sick and annoyed of everything. He doubts everything; he is not sure what he wants or what his point is. He is also very unhappy, that is why he tries to tell his wife a Joke. He believes that his marriage or partnership as he calls it is a give and take kind of thing; he has to give something in order to receive something. The protagonist does not develop much during the course of the story, because he has not found out what he wants. In the end, it is not clear whether he tells his wife the Joke or not. 3. Comment on the title: The title is the Joke and the Joke the protagonist wants to tell his wife is Whats the difference between a good ride and a good shite? But I believe that the real Joke is the protagonists behavior and thoughts; he does not know what he wants or if he wants anything at all. He keeps changing his mind during the storys course. The title could also refer to the fact that it takes a silly thing as a Joke to be the solution of something as important and serious as a marriage because the Joke he might have told could be the start of their communication. 4. Write a short essay about how men and women communicate: Men and women both have very different ways of communicating, thats because they are also ifferent mentally and physically which also plays an important part in how they see and understand things. This can cause problems between the two genders as is sadly common today and probably always has and will be. They operate in each their own way and expect the other to understand what they want, even Just out from bodily gestures which are unfair to the other because of the differences. Most of which woul d be easily avoidable it people talked more together rather than expecting the other to understand meaningless gestures, a fault both genders share.
Saturday, November 30, 2019
Mortgage and Housing Act in the U.S
Introduction It is pointed out that, ââ¬Å"in its preamble to the 1949 Housing Act, Congress declared its goal of ââ¬Ëa decent home in a suitable living environment for every American familyââ¬â¢Ã¢â¬ (Schwartz 1).Advertising We will write a custom research paper sample on Mortgage and Housing Act in the U.S specifically for you for only $16.05 $11/page Learn More In the course of over the last six decades, beginning from the time this legislation was passed, the U.S Federal Government has engaged in assisting to finance the construction as well as rehabilitation of over five million housing units for the families that have a low income, and has also offered rental vouchers to almost two million more families. However, the housing problems in the United States remain severe. For instance, it is reported that in the year 2005, over forty two million families stayed in physically deficient housing, with more than thirty percent of their incomes be ing spent on housing and even some families were homeless (Schwartz 1). Since housing is very costly, its development as well as acquisition mostly relies on borrowed funds. It is reported that ââ¬Å"housing construction, acquisition of existing rental buildings, and the purchase of single-family homes all rely on debtâ⬠(Schwartz 51). It is also reported that in the year 2009, the residential mortgages were more than eleven trillion dollars, and this was more than fifty percent of the whole federal government debt (Schwartz 51). Much has been written on the impacts of the US mortgage crisis on the global economy. Financial experts have warned that the impacts of the US housing and financial crises might persist if the necessary policies are not implemented (Kolb 6). As a result, adjustments in the financial institutions have been inevitable. Most mortgage lenders have tightened their lending rates to survive in the changing markets (Bardhan 2). Several financial experts belie ve that the effects of the current US mortgage crisis are far much worse than stated by the government economists.Advertising Looking for research paper on common law? Let's see if we can help you! Get your first paper with 15% OFF Learn More Objectives of the Study The main purpose of the study was to investigate the effects of the mortgage and Housing Act in the United States of America. In this study, I sought to identify how the Housing Act has achieved its intended objectives. Moreover, my investigation sought to find out how the federal housing program has survived, despite the enormous economic challenges (Krugman 15). Another objective of the study was to assess the level of the current housing crisis in the US. In this regard, a number of the affected sectors were looked at and an evaluation of how the mortgage markets have behaved all through the recession was carried out. Last but not least, the study also sought to analyze the magnitude of the effects of th e housing crisis on the annual revenue collected by the state and the local governments. The research questions for the study included: To what extent have the objectives of the Housing Act in the U.S been met? How have mortgage markets behaved all through the recession (2007- 2008)? What are the effects of housing and financial crises on the government, organizations and households? Why I was Interested in Conducting this Study The Housing Act in the U.S. was enacted with an intention of ensuring that every American has a decent home in a proper living environment. This Act was intended to help ensure that proper housing is affordable to all Americans. However, the housing and financial crises that occurred starting from the year 2007 made this goal to be hard to achieve. The crises had some negative effects on households, organizations and the government. This study sought to understand these effects and the level to which the objectives of the Housing Act have been achieved. Th is study is very important because understanding these effects, and how effective the Housing Act has been, will go a long way in helping to come up with appropriate policies.Advertising We will write a custom research paper sample on Mortgage and Housing Act in the U.S specifically for you for only $16.05 $11/page Learn More Implementation of such policies will serve to prevent the same effects from being felt in the future, and to ensure the objectives of the Housing Act are achieved to the highest level possible. Literature Review It is reported that before the commencement of ââ¬Å"the Great Depressionâ⬠in the year 1929; funding for buying ââ¬Å"owner-occupied housing was in short supply and expensiveâ⬠(Schwartz 51). Mortgages usually became due after a period of between two to eleven years, depending on the kind of the lender, ââ¬Å"requiring repayment or re-financingâ⬠(Schwartz 51). A large number of lenders had the willingness to engage in covering less than sixty percent of the value of the property, calling for a larger number of borrowers to get ââ¬Å"the second and third mortgagesâ⬠(Schwartz 51). The difficulty of funding home purchases limited homeownership to the people who were richer and assisted in making rental housing to be the main type of tenure (Schwartz 51). It is reported that the ââ¬Å"Great Depressionâ⬠affected the homeowners as well as home ownership negatively to a large extent (Schwartz 51). Unemployment became prevalent and several homeowners could not make their monthly payments for the mortgage any longer. This prompted foreclosure on an immense scale. In the course of the year 1933, over fifty percent of the entire home mortgages ââ¬Å"were defaulted and more than 1,000 mortgages were foreclosed every dayâ⬠(Schwartz 51). Those homeowners who were able to remain current on their mortgage payments evaded foreclosure (Schwartz 1). However, a large number of them were forced to engage in selling their homes when the mortgages they had come due.Advertising Looking for research paper on common law? Let's see if we can help you! Get your first paper with 15% OFF Learn More It is reported that ââ¬Å"cash-starved banks, beleaguered by customers withdrawing their deposits, became increasingly reluctant to roll over their mortgages and instead demanded that the borrower pay back the principal in fullâ⬠(Schwartz 52). In addition, during that time, the total mortgage debt of a homeowner could be more than the actual value of the house and this could leave this person in debt even after the house being sold. This is a problem that appeared again seven and a half decades later, when there was collapsing of the recent housing bubble that caused about twenty percent of the homeowners ââ¬Å"to owe more on their mortgage than their homes were worthâ⬠(Schwartz 52) (See Appendix 1). Following increased mortgage closure and collapsing of the whole housing industry, the federal governmentââ¬â¢s response was to take various measures that completely changed the U.Sââ¬â¢s ââ¬Å"housing finance systemâ⬠and assisted in propelling homeownership à ¢â¬Å"within reach of a majority of its householdsâ⬠(Schwartz 52). Such institutions and programs made it possible to have a considerable increase in the nationââ¬â¢s homeownership beginning from the 1940s until the 1960s; setting up a fresh and steady ââ¬Å"system for housing financeâ⬠which remained concrete for over four decades (Schwartz 52). The United Statesââ¬â¢ housing and financial sectors contribute significantly to the growth of the countryââ¬â¢s economy. In the early 1990s, the US government took an initiative of enabling more low- income earners to own homes (Marshall 23). The government authorized all the housing stakeholders to reduce their mortgage requirements. In the year 1992, the US government, through Fannie Mae and Freddie Mac, acquired loans from mortgage banks and mortgage brokers. Following this move, more secondary mortgage markets were created (Marshall 34). At that time, regulations required GSEs to allocate 30 % of all the mortgages purchased as affordable housing loans. However, this requirement was not adhered to and in the year 2007, financial experts noted that the percentage had risen to 55% (Marshall 45). In the years 2007 and 2008, the boom in the housing sector came to an end following the onset of global financial crisis (Francis 12). This crisis and the subsequent recession had great negative effects on the US housing and financial sectors. A dramatic increase in default rates was realized. The increase in the default rates occurred because most of the homeowners were among the worst hit individuals by the recession. Notably, most of the homeowners had no retirement accounts (Parker 67). Because of lack of retirement accounts, these individuals were left with nothing they could use to access mortgages. The affected individuals were left with no other choice but to avoid paying their loans. The crisis affected the US government, organizations, institutions, and households (Bardhan 4). Economists noted that the effects of the crisis were felt by all persons, regardless of whether or not they had participated in the growth of the housing sector (Ellis 78). As a result, most of the gains obtained prior to the recession were reversed. Methodology This research involved use of secondary data. The collection of this data involved considering the existing data. The existing data included the surveys that have been conducted by various researchers as well as the general information on mortgages and the Housing Act. The work presented by other people on the subject was examined and used in this research in order to help answer the research questions and to achieve the objectives of the study. Results and Discussion Basing on the research conducted by some researchers in the past, it was found out that, about forty percent of the people in the United States of America have experienced financial distress in the course of the recession (National Bureau of Economic Research 1). Experts point out that ââ¬Å"spending changes provide one measure of the recessionââ¬â¢s impact on householdsââ¬â¢ well-beingâ⬠(National Bureau of Economic Research 1). In a survey conducted by the National Bureau of Economic Research, it was found that about seventy five percent of the respondents pointed out that they had reduced spending, and this was because of the economic crisis. Those that reported having engaged in reducing their spending cited various reasons for the reduction: eighty percent of them cited the need of reducing debt; seventy percent cited a decrease in the level of income; forty five percent cited a change in the status of employment; forty five percent cited a reduction in the value of their homes; and thirty five percent cited stock holdings (National Bureau of Economic Research 1). This is a clear indication that the housing and financial crises have affected the households adversely (National Bureau of Economic Research 1). In considering the effects of t he housing and financial crises on organizations, the existing data on this issue was also used. It was found out that, due to the sharp decline in the value of the ââ¬Å"mortgage-backedâ⬠securities, the retail as well as the investment banks were compelled to ââ¬Å"write-downâ⬠losses incurred on the securities that they held (Tiller 45). This brought about great losses in the whole banking sector in the last two quarters of the year 2007. The crisis became even more intense in March 2008 when the collapse of Bear Steams occurred. It was found out that, because the crisis made the banks to be afraid of lending money, both households and businesses were not able to borrow (Tiller 45). Therefore, the households put purchases on hold while the businesses engaged in laying-off their workers. It was also found out that, in the last quarter of the year 2008, the banking sector recorded a loss of twenty six billion dollars (Tiller 45). Moreover, the research established that the local governments were less hit by the recession as compared to the state governments. However, there is likelihood that the pressures will mount. It was found out that the local governments witnessed a smaller decline in the tax revenues as compared to the state governments. According to the available information, ââ¬Å"even as national income home prices fell by 27 percent between the end of June 2006 and the end of 2010, property tax collection increased by 31 percent during the same period, reflecting delayed response to home price changes and new tax measuresâ⬠(Congressional Budget Office 1). However, the declining housing prices will, sooner or later, feed into the local government tax revenues. The research findings indicated that, both the local and state governments reacted in response to the fiscal pressures by bringing down the level of their expenditure by almost 3% in real terms, in the cause of 2008/2009 fiscal year. Moreover, the local governments engaged i n cutting their labor force by approximately two percent within the period between December 2007 and December 2010 (Congressional Budget Office 1). It was also found out that the local government raised the level of some of the taxes, property taxes included, and made their tax base to be wider. This assisted in supporting collection of tax in the initial stages of the crisis (Congressional Budget Office 1). The bursting of the housing bubble began in the year 2006 and there was accelerating of the decline in 2007 and 2008 (Baker 73; Lybeck 120) (see Appendix). The housing prices ceased to go up in the year 2006.These prices then began to go down in 2007 and have, up to now, dropped by approximately 25% from the highest point (Moseley 1). The price reduction implied that homeowners could not be able to refinance any more, where there was resetting of their rates of mortgage This made the delinquencies as well as mortgage defaults to escalate, mainly ââ¬Ëâ⬠among subprime borr owersâ⬠(Moseley 1). Beginning from the month of January 2006 up to August 2008, the proportion of mortgages in foreclosure rose by three times, ââ¬Å"and the percentage of mortgages in foreclosure or at least thirty days delinquent more than doubled, from 4.5 percent to 10 percentâ⬠(Moseley 1). These rates are found to be the highest beginning from the time of the Great Depression. The peak of the rate of delinquency that occurred previously was 6.8% in the year 1984 and also in the year 2002 (Moseley 1). It has been projected that the worst has not yet happened. The hope that the American people have been having of owning their own homes is turning out to prove to be unrealizable. Conclusion The enactment of the Housing Act in the U.S. was undertaken with an aim of making sure that each and every American citizen has a decent home in a suitable environment. This Act aimed at ensuring that proper housing is affordable to all Americans. However, the housing and financial crises that occurred starting from the year 2007 made this goal hard to achieve. The main purpose of this study was to investigate the effects of the mortgage and Housing Act in the United States. This research sought to identify how the Housing Act has achieved its objectives. In achieving the objectives of this research and answering the research questions; the available literature on the topic was reviewed and secondary data was analyzed. It was established that, following the housing and financial crises, a considerable number of households reduced their spending. This was due to various reasons, which include; need of reducing debt, reduction in the income level, change in the employment status, reduction in the value of homes, and stock holdings. It was also found out that, such organizations as banks made big losses. Moreover, both the local and state governments experienced a decrease in the tax revenues. They responded by increasing other taxes, such as property taxes. The housing and financial crises prevented the Housing Act objectives from being achieved to a considerable level. These crises have made it hard for the households to obtain funds from banks. A considerable number of people are struggling to survive and cannot be able to afford proper housing. Policies need to be put in place to ensure these effects brought in by these crises are overcome and also to ensure that, the same cannot happen again in the future in order for all of the Housing Act objectives to be achieved to the highest level possible. Works Cited Baker, Dean. ââ¬Å"The housing bubble and the financial crisisâ⬠. Real-world Economics Review, 1.46 (2008):73 ââ¬â 81. Print. Bardhan, Ashok. ââ¬Å"Housing and financial crisis in the U.S: cause or symptomâ⬠. Vikalpa, 32.3 (2009): 1- 7. Print. Congressional Budget Office, 2010. Fiscal Stress Faced by Local Governments. Washington: Congressional Budget Office. Print. Ellis, Luci. The housing meltdown Why did it happ en in the United States? Basel, Switzerland: Bank for International Settlements, 2008. Print. Francis, Andrea. Affordable housing: the continuing search for solutions : proceedings of the National Housing Trustââ¬â¢s 20th anniversary housing symposium. Kingston, Jamaica : Planning Research Dept., National Housing Trust, 1996. Print. Kolb, Robert W.. The financial crisis of our time. New York: Oxford University Press,2011. Print. Krugman, Paul R.. The return of depression economics and the crisis of 2008. New York: W.W. Norton, 2009. Print. Lybeck, Johan A.. A global history of the financial crash of 2007-2010. Cambridge, UK: Cambridge University Press, 2011. Print. Marshall, John. The financial crisis in the US: key events, causes, and responses. London: House of Commons Library, 2009. Print. Moseley, Fred. The U.S. economic crisis: causes and solutions, April 2009. Web. National Bureau of Economic Research, The effect of economic crisis on American households, 2012. Web. Parker, John. Turmoil in U.S. credit markets recent actions regarding government sponsored entities, investment banks, and other financial institutions : hearing before the Committee on Banking, Housing, and Urban Affairs, United States Senate, One Hundred Tenth Congress, second session. Washington: U.S. G.P.O., 2010. Print. Schwartz, F. Alex. Housing Policy in the United States. Oxford: Taylor Francis, 2012. Print. Tiller, Bo. The subprime crisis and the effects on the U.S banking industry, 2011. Web. Appendix Source: Tiller, Bo. The subprime crisis and the effects on the U.S banking industry, 2011. This research paper on Mortgage and Housing Act in the U.S was written and submitted by user Carissa E. to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.
Tuesday, November 26, 2019
Free Essays on Human Dignity
Human Dignity Theory A German philosopher Immanuel Kant thought that people occupy a special place in creation. This is an old idea from ancient times; people have considered themselves to be different from all other creatures and not just different but better. Hereââ¬â¢s a fact, people have traditionally thought of themselves to be fabulous. Kant did. On his view, people have ââ¬Å"an intrinsic worthâ⬠in other word ââ¬Å"dignityâ⬠which makes them valuable ââ¬Å"above all priceâ⬠. Other animals have a value only as much as they serve the peoples purpose. Kant said, ââ¬Å"But so far as animals are concerned, we have no direct duties. Animalsâ⬠¦are there merely as means to an end. That end is man,â⬠Lectures on Ethics (1779). We can use animals in any way we please. We do not have to back off from torturing them. Kant does mention that it is wrong to torture animals, but his reason is we might suffer indirectly as a result of it, because ââ¬Å"he who is cruel to animals becomes hard also in his dealings with men.â⬠So Kantââ¬â¢s view is mere animals have no moral importance and people are another story. According to Kant people may never be used as means to an end. I will concentrate here on Kantââ¬â¢s belief that morality requires that we treat persons as an end, rather than only a means. When Kant said that the value of human beings ââ¬Å"is above all price.â⬠He meant this as a judgment about the place of man in the scheme of things. There are two important facts about people that in his view support this judgment. First, because people have desires and goals, other things are valuable for them, in relation to their goal. Simple ââ¬Å"thingsâ⬠(and this includes animals) have value only as means to ends, and it is the human ends that give those ââ¬Å"thingsâ⬠value. So if I wanted to become a better chess player, a book on chess instruction will have value for me, but aside from such ends that book has no value other than the $6... Free Essays on Human Dignity Free Essays on Human Dignity Human Dignity Theory A German philosopher Immanuel Kant thought that people occupy a special place in creation. This is an old idea from ancient times; people have considered themselves to be different from all other creatures and not just different but better. Hereââ¬â¢s a fact, people have traditionally thought of themselves to be fabulous. Kant did. On his view, people have ââ¬Å"an intrinsic worthâ⬠in other word ââ¬Å"dignityâ⬠which makes them valuable ââ¬Å"above all priceâ⬠. Other animals have a value only as much as they serve the peoples purpose. Kant said, ââ¬Å"But so far as animals are concerned, we have no direct duties. Animalsâ⬠¦are there merely as means to an end. That end is man,â⬠Lectures on Ethics (1779). We can use animals in any way we please. We do not have to back off from torturing them. Kant does mention that it is wrong to torture animals, but his reason is we might suffer indirectly as a result of it, because ââ¬Å"he who is cruel to animals becomes hard also in his dealings with men.â⬠So Kantââ¬â¢s view is mere animals have no moral importance and people are another story. According to Kant people may never be used as means to an end. I will concentrate here on Kantââ¬â¢s belief that morality requires that we treat persons as an end, rather than only a means. When Kant said that the value of human beings ââ¬Å"is above all price.â⬠He meant this as a judgment about the place of man in the scheme of things. There are two important facts about people that in his view support this judgment. First, because people have desires and goals, other things are valuable for them, in relation to their goal. Simple ââ¬Å"thingsâ⬠(and this includes animals) have value only as means to ends, and it is the human ends that give those ââ¬Å"thingsâ⬠value. So if I wanted to become a better chess player, a book on chess instruction will have value for me, but aside from such ends that book has no value other than the $6...
Friday, November 22, 2019
A people without the knowledge of their past history, origin and culture is like a tree without roots
According to science, out of all of the parts of a tree, roots are quite an important feature. It has several purposes, adsorbing water and vital nutrients from the ground and into the rest of the tree, supporting the whole tree, from the bark, to the leaves to the fruit/flowers it produces. It also helps stabilize the tree so it wouldnââ¬â¢t fall down easily when the weather is tough. The roots are the foundation of the tree, without it, the rest of the tree would dry up and die, moreover, the structure of the tree would be quite unstable, as it has nothing to grip the soil with and die easily due to lack of water and vital minerals. So what is culture and how is culture to people like roots to a tree? On sources like the Internet, culture is defined as an ââ¬Å"act or a belief of a racial, religious or social groupâ⬠. Cultures are tools which helps binds people together, a rich source of wisdom, knowledge and an instrument which keeps the successful humble, in short, the greatest element in keeping order in humanity. Keep in mind here that ââ¬Å"a peopleâ⬠in this quote is sort of like a group of people, but with similarities which bonds/categorizes them e. g. culture. Like a tree, people who have knowledge of their cultures and their past would have a foundation to support them. This enables the group to hold onto the ground and not get uprooted when storms or big winds come, promising stability to the whole tree. The roots would also help provide tree with important nutrients and other vitamins from the soil, which allows the tree to bear fruits and flowers. In this case, knowledge and wisdom of the culture provides the people to bring wealth, health, prosperity and peace. It is also a known fact that as the tree grows larger; the roots have to grow in length in proportion to the growth of the tree. So that the support and stability needed for the growing structure of the tree are met. Failing to follow this simple yet vastly ignored rule would result in the structure of the society would be unbalanced and topple over, similarly to the bark of the tree. Which shows us that our culture must grow in proportion to the plurality of the individuals in our group. With the help of Globalization, different types of cultures are being shared around the world, logically speaking; combining traditions, knowledge and wisdom would increase the overall human culture on the planet right? In reality, not all things go as planned. As the richer, more developed countries would dominate the trade it would also dominate the Cultural Revolution pop culture is a fitting example of this. On one hand, countries that correctly use their cultural roots would benefit in wisdom from the Cultural Revolution. There are quite a few cultures that follow this trait (most of the countries originate in Asia). China, India and Japan are the most cultured ethic groups and yet the most economically successful. Just less than 50 years ago, all of the countries are experiencing various economic crisis such as war. The core of all their successes are obviously not based on money or weaponry power, neither is it from large numbers of people or the size of the country. Instead, the support comes from their deep, still intact roots of their cultures dating back to 6000 years+, providing knowledge and wise teachings to the people through ethics and traditions. This enables the whole tree to survive the winds and floods, ending with a much more fertile soil after the disaster. Unfortunately, on the other hand, there are numerous types of ethic groups who donââ¬â¢t follow or even have any respect left for their own cultures. There is hunger, ignorance and hatred lingering still within the society, killing the tree and itââ¬â¢s roots daily. Without knowledge and wisdom, individuals in the group are increasing in instability as only a few are extremely wealthy and most of the people in that group are in poverty. Another outcome of this cause is the shallow thinking of others, becoming murderers, prostitutes and drug users. These groups are like trees with rotting roots, unable to provide any water or nutrients and destroying their future. Without the foundation the tree would experience yellowing leaves and dying branches. Which a small gust of wind can easily damage the tree. This quote by Marcus Garvey is targeted to African people, who have forgotten their culture. Some people think that the main cause of this is found in the Europeanââ¬â¢s divide and conquer technique and Americaââ¬â¢s public school system, where history classes are mainly about the European and the American culture. Rarely is there any topic about African or African American culture covered due to racism. Garvey is pointing to us that before globalization; the first civilizations (Africans) have deep rooted cultures, designing their own economy, weapons and jewelry before spreading to Europe. Sadly, this culture is being replaced by the western version of African culture, where they believed that Africa is where savages ran wild. My country, Indonesia is one of the countries that have a lot of cultures, from traditions, to traditional crafts to myths and legends. Which probably was the core support for the soldiers who bravely risk their lives in the Javanese war against the Dutch. In reality, I am actually quite ashamed that moving down the modern Indonesian generations seemed to have decreasing respect of culture and traditions. Weââ¬â¢re slowly giving in to consumerism and losing our roots and traditions.
Wednesday, November 20, 2019
Interior Design Research Proposal Example | Topics and Well Written Essays - 750 words
Interior Design - Research Proposal Example Introduction Environment Design is basically a learning milieu where design graduates are encouraged to use their innovative and inventive talent in the management and marketing of design in order to pursue their careers in the design industry. ââ¬Å"Lighting is a science and an artâ⬠, assert Steffy (2002:1). There have been numerous developments in lighting design recently which make it an interesting topic of research. Professional lighting designers are required today since they are being offered various job opportunities in the lighting industry. There are a number of lighting design consultancies which are offering outstanding lighting schemes to its consumers and organizations like landmark hotels, restaurants, shopping spas, exhibitions, yachts, house gardens, etc. Steffy (2002:1) affirms that nearly $10 billion worth lighting hardware is sold in the United States every year. The research will focus on questions like: How rapid has the lighting design industry flourished during the last decade? Which areas of lighting design are more in demand? What particular kinds of designs are more in demand from consumersââ¬â¢ perspectives? What benefits has it offered to different international lighting design companies? Is the trend increasing, decreasing or is consistent? What are the hard and soft issues that arise in different lighting fields such as in interiors, exhibitions, theatre, and garden projects? What are the costs? How does lighting weigh on the companiesââ¬â¢ budget? These issues have inspired me to conduct a research about lighting design in todayââ¬â¢s design industry. Literature Review Sources. Some sources that are going to be helpful in the research are: Karlen, M, & Benya, J 2004, Lighting Design Basics, illustrated edn., John Wiley and sons, USA. (This book is helpful in understanding the basic science that is involved in lighting design. It is a good study guide for beginners helping them understand through concise and visual lesson format.) Tregenza, P, & Loe, D, The Design of Lighting, illustrated edn., Taylor & Francis, USA. (This book has been written for practicing designers and thus will be a helpful guide in understand what issues practicing lighting designer face. Technicalities regarding lighting and color theories and other concepts have been discussed in detail.) Past Research Papers. Some past research that will be helpful is: Dorsey, J, Arvo, J, & Greenberg, D 1995, ââ¬ËInteractive design of complex time dependent lightingââ¬â¢, Computer Graphics and Applications, vol. 15, no, 2, pp. 26-36. (Researchers conducted a research about lighting design in theatrical productions. They have discussed some specific techniques that help in lighting regardless of complexities of scene and design. This research will prove helpful in understanding lighting concepts in theatres.) Shacked, R, & Lischinski, D 2002, ââ¬ËAutomatic lighting design using a perceptual quality metricââ¬â¢, Computer Gra phics Forum, vol. 20, no. 3, pp. 215-227. (This presents a new approach for the rendering of 3D objects. This approach serves as an effective lighting design tool. This research will prove to be helpful in understanding lighting design tools and their working.) Methodology I plan to visit different lighting design companies to locate answers to my research questions. I plan to conduct structured personal
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