Possible Solutions to the Foreclosure Crisis Essay

The purpose of this writing is to analyze the foreclosure crisis and offer some solutions to keep people in their homes and satisfy the financial accounting records of the banking industry. With more lost jobs on the horizon and fluctuating adjustable mortgage rates, the foreclosure crisis continues to plague America. A recent report from the Mortgage Bankers Association reveals that 14% of loans are behind or in foreclosure. This is largely due to lost jobs in this volatile economy. Many factors are involved in addressing a situation like this and one solution alone cannot solve the crisis. We saw millions of dollars in stimulus money go to lending institutions only to be left wondering why the problem is not going away. The†¦show more content†¦A few other problems that have arisen as a result of the crisis include lost revenue for cities, increased crime and, of course, more properties that are vacant. Many places are also reporting a large increase in homelessness. One group alone is not going to solve the crisis, nor is one solution by itself. There has to be a combined effort of three major groups and a set of several solutions deployed at once to gain ground and overtake the crisis. We will discuss this in the next section. The Solution Currently, we are seeing some waffling going on concerning this issue in Washington D.C. along with some lending institutions that will not work with homeowners. This is where the start of the solution lies. The government, by means of a qualified representative, a large banking conglomerate overseeing lending institutions and a small group of geographically diverse homeowners in foreclosure will need to come together to form a coalition. This coalition’s sole purpose will be to work together, with a common goal, to solve this crisis. This group, along with government imposed rules upon lenders based on solutions, will have the authority to set in motion a plan that will move toward solving the crisis. We will now look at some solutions, which if employed in conjunction with each other, will satisfy accounting procedures, keep homeownersShow MoreRelatedSolving The Foreclosure Crisis1012 Words   |  5 PagesThe current foreclosure crisis is affecting everyone in this nation. If people are not experiencing the crisis firsthand, they hear about it through family, friends, and their other social networks. Nonetheless, it is impossible to escape because the media is constantly showing coverage about it. People are becoming more aware and seeing how expansive the impact is through television, internet, print, and radio. Americans are quickly realizing the impact the foreclosure crisis is having on theRead MoreA Practical Solution to the Foreclosure Crisis1122 Words   |  5 PagesIt is no secret the foreclosure crisis has played a significant role in the financial meltdown of the past year. The collapse of the housing marketing has brought thousands of families across the country to financial ruin, forcing many out on the streets. Although the common consensus is that something must be done to stabilize the foreclosure crisis, the agreement ends there. Proposed solutions to the foreclosure crisis have drawn controversy from all political af filiations and walks of life. ThisRead MoreProposed Solution to the Foreclosure Crisis Essay1250 Words   |  5 PagesToday’s America is in crisis; we are in a recession. The greatest factor driving this major recession is Foreclosure many Americans are forced to face every day. In simple terms, the foreclosure crisis was caused by greed in the banking industry and too much optimism of the American people. This resulted in a bubble of subprime mortgage lending, which eventually collapsed once leading mortgage firms in the banking industry such as Fannie Mae and Freddie Mac needed to be bailed out by the governmentRead MoreSolving the Foreclosure Crisis- Decrease Interest Rates, Create Jobs, Financial Education and Stimulus Programs1098 Words   |  5 PagesForeclosure is an important issue in the United States and needs to be ended or decreased rapidly as soon as possible for the sake of America’s economy. The foreclosure of homes has decreased the state of the econo my, and rendered millions of Americans homeless. There are four key solutions that will stop foreclosures in the United States and able millions of American to keep their homes. The first solution is having banks lower their interest rates for all citizens who are in financial need of anRead MoreHow to Solve the Foreclosure Crisis Essay1250 Words   |  5 Pagesâ€Å"How to Solve the Foreclosure Crisis?† â€Å"How to solve the foreclosure crisis?† This is a very troubling question currently facing our country today. The foreclosure crisis fueled by subprime mortgages, was a ticking time bomb waiting to explode. Many Americans hold large mortgages with adjustable rates that continue to increase. It was only a matter of time before the market would come tumbling down. From 2008 until now the national unemployment rate has risen from 5-6% to about 10.2% (U.S. BureauRead MorePreventing Future Foreclosures1208 Words   |  5 PagesIn the summer of 2008, my parents bought a condominium that had gone into foreclosure. Our goal was to â€Å"flip† the newly-acquired asset and make a profit. Since â€Å"flipping† houses was only a part-time job for my parents, I decided to lend a helping hand. I dragged trash out, demolished a ragged couch, and painted the walls. We transformed the property from a dirty dump to a highly-desired home that received multiple offers and was s old in two weeks. The previous homeowner had neglected numerous courtRead MoreMore Than Housing: A Double-Ended Approach to the Foreclosure Problem in America1606 Words   |  7 Pagesand foreclosures are on the rise, millions of Americans who were financially stable several years ago are asking the same question, â€Å"How could this happen to me?† The crisis has occupied the minds of politicians, who are trying desperately to solve this problem, but the tragedy continues as more and more Americans are foreclosed on with no alternatives. The foreclosure crisis will not be solved by simply lowering interest rates, firing loan brokers, or other short-term, ineffective solutions. TheRead MoreSolving the Foreclosure Crisis Essay1092 Words   |  5 PagesThe foreclosure crisis was one of the harbingers of the coming economic recession. This was the issue that shifted the focus of the 2008 presidential election from the Iraq War to the economy. As one can imagine, many ind ividuals and families are currently hurting as a result of this foreclosure crisis. High unemployment rates and lack of job creation leave very few options for already struggling homeowners. Because the housing industry composes such a large part of the American economy and affectsRead MoreEssay on Foreclosure Crisis- The Result of Unserviceable Debt1588 Words   |  7 PagesPosing the problem of solving the foreclosure crisis first begs the question – â€Å"is there really a foreclosure crisis?† The country is certainly in crisis, but the crisis is not being caused by mortgage foreclosure. Foreclosure is simply a mechanism for people to deal with a debt they can no longer afford. Rather than being a crisis, the potential onslaught of home foreclosures (which has been slowed somewhat by the Obama administration’s â€Å"Making Home Affordable† program) is actually marketRead MoreSolving The Foreclosure Crisis: Two Solutions Essay1444 Words   |  6 Pagesthe rapid increase in foreclosures across the country. The country’s immense housing crisis can be addressed by referring to not only the accumulating irresponsibility of the individual American loan borrower, but also the growth of greed at the corporate level which led to the financial market’s negligence. To stop the spread of this issue we should look at closer government watch of the market and specifically focus on consumer education. The Quagmire What is foreclosure? Well it is actually

The Human Resource Management For Book Builders - 967 Words

Book Builders Incorporated Today’s publisher is looking for book manufacturers that can fulfill their distribution needs. Book Builders offers a full range of products that can satisfy publisher needs. The core of the company lies in the philosophies and the employees that work for the company. The employees make the company who it is making it equally important for the company to see to their needs. The human resource management for Book Builders strives to meet the needs of the employees to ensure a happy, productive environment that helps make Book Builders a leader in the book manufacturing industry. Company Background Building Books Overview Building Books Incorporated is a family owned book manufacturing located in the United States of America. The main manufacturing facility is located in Ann Arbor, Michigan with remote smaller â€Å"short run† sites located across the country. The company partners with international printers in other world regions to offer in country printing services in Australia as well as The United Kingdom. Building Books Incorporated manufactures primarily educational books for use in educational organizations. In addition the organization produces various journals and other printed media such as posters. Books can be manufactured in quantities from one to one million units. In addition to printed material the organization offers various services such as eBook conversions, storages solutions, and compositor capabilities. The organizationShow MoreRelatedSample Resume : Career Development970 Words   |  4 Pagesand resume. The experience includes managing the lifec ycle of real estate assets with portfolios toping $140 million in net book value. Another keyword search for â€Å"startup† resulted in some interesting job openings. One of them is with Veyo Logistics and they are looking for a senior project manager (Indeed, 2015). 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Every person wants to safe time. As the saying goes, time waits for no king. Statistics have shown that delays in human transport and also delays in transport of goods and services due to poor transport network has always led to slow economic growth, and generally, a slow economy. Again, the business community in Wellington has reported that inability to manage theirRead MoreEducation Is Important For The Development Of A Nation Essay1641 Words   |  7 Pagesand the improvement of character and the methods to increase the strength of mind. Education enables people to cause and to contribute to societal development. Education has the responsibility for transferring human being into human resources (Gopalan, 2001). Development of human resources is the main function of education. In a modern society education is a very important sector. Education, at the individual level helps in the process of socialization. At the level of socie ty, it ensures that theRead MoreGood Of Great And The Social Sectors1568 Words   |  7 Pagesorganization continue to flourish while a similar organization dissolves? In the book Good to Great and the Social Sectors, Jim Collins differentiates the social sector from the for-profit sector according to five issues: (1) Defining â€Å"Great†; (2) Level 5 Leadership; (3) First Who; (4) The Hedgehog Concept; (5) Turning the Flywheel (Collins, 2005, p.3). 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Will Success Spoil Rock Hunter Free Essays

In the film Will Success Spoil Rock Hunter (1957), Rock Hunter’s fiancà ©, Jenny Wells (Betsy Drake), realizes that attending college to just develop her mind was a serious mistake. Fearing that Rock will leave her for the buxom and vapid Hollywood star, Rita Marlowe (Jayne Mansfield), Jenny initiates an exercise regime designed to develop her modest bust line. Upon visiting her apartment after work, Rock discovers his fiancà © comatose on the ground and frozen in a perpetual push-up. We will write a custom essay sample on Will Success Spoil Rock Hunter? or any similar topic only for you Order Now When Rock informs her doctor that the malady was caused by too much exercise – specifically push-ups – the doctor nods knowingly. â€Å"Push-ups are a waste of time,† the physician tells the advertising executive. â€Å"It’s really better for women to just go to a store, if you know what I mean.† When Rock Hunter returns to his own apartment that night and checks in on his teenage daughter, he finds her sleeping in bed, her arms above the covers in a frozen push-up. Prescriptive literature, Hollywood films, and popular culture in general created and perpetuated the postwar feminine ideal of the â€Å"Sweater Girl† – a busty, curvaceous figure more sexual than maternal. Yet, this ideal gave way in little more than a decade. One of my earliest childhood and most lasting memories of my mother is watching her inspect herself in the full-length mirror of our family bathroom. She would stand, twisting and turning, her eyes intensely scrutinizing the curves of her body. Then she would turn to me and simply sigh, â€Å"We were born in the wrong decade.† Those same eyes that had just previously scrutinized her own shape would gaze on me as if to say that I was destined (doomed?) to follow in her footsteps. I would file away her beauty tips and hints and embarrassingly chant, â€Å" I must, I must, I must increase my bust† with my middle-school friends, thanks to the influence of young-adult author, Judy Blume, a woman who experienced her own teen years in the 1950s. My mother, neither unattractive nor â€Å"overweight† was born in 1960. Like many women of her generation, she clung to the urban legend that the Hollywood sex symbol of the 1950s, Marilyn Monroe, wore a size 12 dress. She came of age during an era where youth culture placed a cult-like status on Twiggy, a model with a 31-inch bust and 32-inch hips. How had the ideal female body type changed so quickly and so drastically? How did we go from a society that worshiped full, buxom blondes to child-like waifs in just over a decade? Previous scholars have not recognized how malleable these ideals were and how susceptible the female figure is when seemingly disparate factors like consumerism, fashion trends, foreign policy, medical opinion, and mortality collide. While many women conformed to the Hollywood â€Å"sweater† model and then later looked to Twiggy as the fashionable ideal, most did not exhaust themselves in efforts to remold their bodies to replicate these unique body types. This dissertation explores and analyzed how women of different ages, races, and sexual orientations imagined and actively altered their own bodies in their efforts to mimic or reject this body ideal from 1945 to 1970. At least once scholar has argued that women face more pressure to conform to an ideal standard of beauty than men because women learn early on that their future – economic, social, and reproductive opportunities – hinges on their personal appearance. Moreover, as historian Kathy Peiss notes, â€Å"Beauty signifies difference†¦ making distinctions between high and low, normal and abnormal, virtue and vice. In so doing, beauty helps to define morality, social status, class, gender, race, and ethnicity. † Women’s bodies are constantly under surveillance. Borrowing Foucauldian language, Dina Giovanelli and Stephan Ostertag refer to the media as a â€Å"cosmetic panopticon† which dictates women’s clothing, hairstyle, body size, and shape. By â€Å"violating expectations† such as being fat and female, women are subjected to discrimination. And even though we are mostly cognitive of the images and messages thrown at us in the mass media today, some are harder to resist than others. Read More: – Horace Miner – Body Ritual among the Nacirema by Horace Miner How to cite Will Success Spoil Rock Hunter?, Papers

Abortion Essay Example For Students

Abortion Essay Modern medical technology has made it possible to extend the lives of many beyond the point of death. Death in recent times, often esures a long painful fall where on looses control both physically and emotionally. Some people accept that modern technology buys them time. While others find the loss of control frightening. They want their relatives to remember them as they were and not as a life prolonged by machines. Some people rather die than to live in pain. The demand for assisted suicides and euthanasia is increasing(kass 17). These issue raises many questions, legal and ethical. Although neither assisted suicides and euthanasia are legal, many people believe that it should be. A great number of people may never face this decision,but knowing that you have this option would be comforting. For those who will face this situation of love ones on medication, being treated by doctors, sometimes rely on the technical means of staying alive. Through self identification people evaluate their own lives and its quality through their morals and values. In order to maintain dignity the public has to report these evaluations and allow people to act in accordance to their own beliefs. The arguments aginst making euthanasia legal has to center points. The first is the fear that mercy killing will open the door to abuse, allowing a way to kill unwanted people.The second is the hippocratic oath, Physicans must not kill. On the other hand, death in three of four days throught starvation and dehydration- passive euthanasia, which is both legal and ethical and is a standard way of easing a termanially ill patient out of the world at his or her request is not the most pleasant way to die We will write a custom essay on Abortion specifically for you for only $16.38 $13.9/page Order now Abortion Essay Example For Students Abortion Essay Abstract: Religions, myths, rituals and theologies are understood by many scholars somehow to possess or transmit essential truths or values that magically transcend their particular setting. In a word, things religious are presumed from the outset to be extraordinary, thus requiring special interpretive methods for their study. This essay attempts to reverse this penchant in modern scholarship on religion by presuming instead that those observable activities we name as religion are an ordinary component of social formations and, as such, can be sufficiently studied by drawing on the methods commonly used throughout the human sciences. Using the problem of evil as a test case, the essay argues that seemingly privileged or unique discourses on evil are but ordinary efforts at establishing cognitive intelligibility and overt political justification. We will write a custom essay on Abortion specifically for you for only $16.38 $13.9/page Order now There is nothing more difficult to convey than reality in all its ordinariness. Flaubert was fond of saying that it takes a lot of hard work to portray mediocrity. Sociologists run into this problem all the time: How can we make the ordinary extraordinary and evoke ordinariness in such a way that people will see just how extraordinary it is? (Bourdieu 1998: 21)Theology as Ordinary Human DataWhen I first read Pierre Bourdieus above comment on the surprising effort it takes to represent ordinariness as extraordinary, I was struck by the importance of his seemingly subtle point. It is important for three reasons. First, it takes seriously the insiders unreflective understanding of their own social worlds after all, the object of study throughout the human sciences is people simply doing what they happen to be doing. Second, Bourdieu helps scholars to focus their attention on the techniques whereby people represent a subset of their behaviors (i.e., what they happen to be doing) as impor tant, meaningful, and worthy of reproduction and transmission (i.e., what they must or ought to be doing). Finally, both of these points reinforce the notion that scholars are not in the business of merely paraphrasing a groups own articulate or reflective understanding of themselves; instead, we bring our own curiosities, value systems, and sets of anticipations (i.e., theories) to bear on our human data, leaving us responsible for making this or that cultural act significant in a whole new way. For scholars concerned with studying those assorted cultural practices easily understood by most everyone in society to be obviously important Im talking here about those things we call religion, by the way Bourdieus comment has profound implications. If we presume those beliefs, behaviors, and institutions usually classified as religious to be nothing more or less than instances of completely ordinary social-formative behavior, then the trick would be to develop an interest in the ways that such routine social acts come to stand out as privileged in the first place. The trick, then, is not simply to reproduce the classification scheme, value system, and hence sociopolitical world, of ones informants (i.e., the so-called religious people themselves), but to bring a new language to bear, a language capable of redescribing the indigenous accounts of extraordinariness, privilege, and authority as being ordinary rhetorical efforts that make extraordinariness, privilege, and authority p ossible. In a word, the trick would be to make participant rhetorics and indigenous self-reflection on religion ones data. I am therefore part of a scholarly tradition that sees theology and its practitioners as nothing more or less than native informants1; they are but one more group whose reports and actions are in need of study and theorization. For instance, I recall that the Protestant process theologian and advocate of liberal religious pluralism, John Cobb, once spoke at a university where I was teaching; I found it rather odd attending his talk for I did not see myself there as Cobbs colleague or dialogue partner. Rather, I attended the lecture much as an anthropologist might attend a ritual ceremony as a participant-observer gathering descriptive data for later theoretical reworking. .u2e0e09697d02042a5a5ca428dd90cbd3 , .u2e0e09697d02042a5a5ca428dd90cbd3 .postImageUrl , .u2e0e09697d02042a5a5ca428dd90cbd3 .centered-text-area { min-height: 80px; position: relative; } .u2e0e09697d02042a5a5ca428dd90cbd3 , .u2e0e09697d02042a5a5ca428dd90cbd3:hover , .u2e0e09697d02042a5a5ca428dd90cbd3:visited , .u2e0e09697d02042a5a5ca428dd90cbd3:active { border:0!important; } .u2e0e09697d02042a5a5ca428dd90cbd3 .clearfix:after { content: ""; display: table; clear: both; } .u2e0e09697d02042a5a5ca428dd90cbd3 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u2e0e09697d02042a5a5ca428dd90cbd3:active , .u2e0e09697d02042a5a5ca428dd90cbd3:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u2e0e09697d02042a5a5ca428dd90cbd3 .centered-text-area { width: 100%; position: relative ; } .u2e0e09697d02042a5a5ca428dd90cbd3 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u2e0e09697d02042a5a5ca428dd90cbd3 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u2e0e09697d02042a5a5ca428dd90cbd3 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u2e0e09697d02042a5a5ca428dd90cbd3:hover .ctaButton { background-color: #34495E!important; } .u2e0e09697d02042a5a5ca428dd90cbd3 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u2e0e09697d02042a5a5ca428dd90cbd3 .u2e0e09697d02042a5a5ca428dd90cbd3-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u2e0e09697d02042a5a5ca428dd90cbd3:after { content: ""; display: block; clear: both; } READ: Shakespeares Views On Love EssayScholars of religion, such as myself, therefore conceive of and study theologians as elite social practitioners, as generally privileged, influential mythmakers.2 Although not all of the scholars of religions data will come from the ranks of theologians (after all, not all of the people and groups we study are involved in the articulate, systematic reflection and rational expression