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In The Grapes of Wrath, the Joad family is forced to continually migrate :: English Literature

In The Grapes of Wrath, the Joad family is compelled to consistently relocate since they lose the land that their family has occupied for...

Saturday, May 23, 2020

How to Solve The Foreclosure Crisis Essay - 1273 Words

Due to the recession that our economy has recently experienced, American consumers are currently undertaking serious financial problems. Such difficulties are obvious in real estate, with homeowners having to deal with a major foreclosure crisis. According to studies by the Mortgage Bankers Association, one out of every 200 homes will eventually be foreclosed, and 250,000 families enter into foreclosure every three months. Although the worst times are still in our future, with help from the United States government, we as citizens will eventually overcome the horrendous situation of America’s current real estate market. To combat our nation’s foreclosure crisis, I believe it is necessary to inform Americans about their options, rights,†¦show more content†¦In the event that the profits from the sold home cannot cover the mortgagee’s payments, the lender may file a deficiency judgment against them. â€Å"More than 6 in 10 homeowners delinquent in their m ortgage payments are not aware of services that mortgage lenders can offer to individuals having trouble with their mortgage† (Freddie Mac), such as bankruptcy, appeals, a motion, or an exemption from the creditor. When a deficiency judgment is filed against a debtor, the individual should seek the assistance of an attorney as soon as possible. Deficiency judgments are rare, however, because a majority of lenders feel that if a borrower is not able to make their payments initially, there is no reason to spend their time and money on further legal action. With the occurring realization that foreclosure is a losing proposition for both the lender and the borrower, negotiating a temporary delay in payments may benefit both parties. Contrary to the belief that contacting a lender for help is embarrassing, useless, and will cause the home to be lost more quickly (Freddie Mac), lenders are usually receptive to the idea of reconstructing a payment plan. According to Craig Focardi, r esearch director of TowerGroup’s consumer lending division CMB, lender losses on foreclosureShow MoreRelatedHow to Solve the Foreclosure Crisis1218 Words   |  5 PagesHow to Solve the Foreclosure Crisis The foreclosure crisis in our country has implemented a domino effect that may take years before we note any positive changes. As the country begins to heal, an effective process and/or program must be implemented that will reduce or eliminate foreclosures. It is important to remember that purchasing and maintaining a home is a part of the â€Å"American Dream,† and when working class families cannot seem to manage without loss of pride and dignity, then the dreamRead MoreHow to Solve the Foreclosure Crisis1146 Words   |  5 PagesHow to Solve the Foreclosure Crisis An important step in solving the foreclosure crisis is to provide assistance to mortgagees in making the monthly loan payments; this assistance should be in place before the first loan payment is due. One solution in providing assistance, which would not require any additional governmental funds to be spent, would be a mandatory mortgage equity accelerator program for every new loan written. A mortgage equity enhancement program allows a thirty year mortgageRead MoreHow To Solve The Foreclosure Crisis1443 Words   |  6 PagesHOW TO SOLVE THE FORECL0SURE CRISIS 2009 was a record breaking year for foreclosures in the United States. The perfect storm of high unemployment, tightening credit, decreasing real estate values and cataclysmic stock market crash resulted in millions of homeowners defaulting on their mortgages. What are the solutions to this problem? Some would argue that the government should intervene and help homeowners. Those with a more â€Å"free market† or laissez faire approach would contend that the governmentRead MoreHOW TO SOLVE THE FORECLOSURE CRISIS1793 Words   |  8 PagesHOW TO SOLVE THE FORECLOSURE CRISIS What do we think when we hear the word â€Å"foreclosure†? Most people realize that it’s definitely something that is not good, some say that it’s when someone fails to do something, but those people don’t really know the meaning of it. But before I present my idea let’s review the meaning of such process: From the website of InvestorWords.com foreclosure Definition The legal process by which an owners right to a property is terminated, usually dueRead MoreHow to Solve the Foreclosure Crisis2207 Words   |  9 PagesThe foreclosure crisis has become as confounding as the old, neglected house on the corner of your street. With shattered windows and wild lawn, no one knows what to do with it, how to save it or even get rid of it. Public and private institutions have tried this and that to patch the ongoing economic blight: lowered interest rates, credit counseling, foreclosure workshops, short sales and bailouts. Nevertheless, the number of foreclosures has relentlessly continued its climb. This ascent hasRead MoreHow to Solve the Foreclosure Crisis977 Words   |  4 PagesThe economic crisis that has occurred in the recent years and that has consistently worsened over past year or so has led to many other problems, one of which is the foreclosure crisis. More and more people are losing their homes due to job loss or simply poor financial choices. The number of unemployed and homeless is increasing at an alarming rate. Many feel like there is nothing that can be done to remedy the situation, especially when the enormous debt that the United States has already accumulatedRead MoreHow to Solve the Foreclosure Crisis Essay1297 Words   |  6 PagesHow to Solve the Foreclosure Crisis Imagine a young couple was married and bought a house together. They were happy they made an investment together that they would never regret. A few years later, the company the husband worked for suffered critically by the recession and he was one of the hundreds of people who got their job cut. They now have two babies to feed and have to choose between food and the mortgage. They soon began to miss their monthly payments. They waited until things becameRead MoreHow to Solve the Foreclosure Crisis Essay2252 Words   |  10 Pagesdollars funded by investments and home purchases were lost within a few months (Wikipedia.org: United States housing bubble). Millions of home owners were found to be unable to pay their mortgages, leading to hundreds of thousands of foreclosures. These foreclosures not only led to the decrease in value of the foreclosed homes, but also decreased the value of the homes in the neighborhoods, complexes and cul-de-sacs around them (zillow.com). The billion d ollar industry created by the fruitful housingRead 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 MoreHow to Solve the Foreclosure Crisis Essay1086 Words   |  5 PagesThe solution to the Foreclosure Crisis is the implementation of continual, mandatory education classes that must be attended and passed, or penalties will be applied to the homeowners. A little tough love from the lender and the government is necessary. Just as our parents follow through and continue to teach us throughout our lives, so must the lenders and the government take the time to â€Å"sit† every homeowner down to make them l earn and realize that being a homeowner comes with big responsibilities

Tuesday, May 12, 2020

Compare the Political Regime Type in China and the United...

A country’s regimes are imposed to protect the country’s interest, but these protections will create unavoidable conflict-of-interest where businesses are conducted. Likewise, the super power China and the United States, the perpetual political changes create a direct implication to the day-to-day business activities and the type business investment plan to enter the country. Hence, conflict-of-interests are commonly tensions between the different in political ideologies, social issues, historical and culture background. As these interests are the catalysts to the type of regimes that the country will impose; moreover, these regimes will favour the different types of industries. For that reason, the organisations need to conduct†¦show more content†¦Hence, employment in United State require a continue update of the new regime and employment contacts will have to come to common ground which are for the best interest of both side. Conversely, the Chinese Communis t Party (CCP) do have regime to protect the employee interest and human right, but till date the Peking government are constantly having criticism over the labour law and the human right issues {text:bibliography-mark} . Much of the regimes have had been passed down, but the regime are poorly regulated {text:bibliography-mark} . For these issues, organization found a perfect loophole to exercise the market imperfection; a topical example is to exercise the low wage labour cost factor and the extension of the working hours or the condition of the working environment. Moreover, it can draw consent to corporate social responsibility (CSR) for the types of working environment factor worker were subjected too {text:bibliography-mark} . These impose an image of ‘playing good in their country, but playing bad on the other’. However, since the Peking government had entered the WTO in 2001, the Peking government is providing a perpetual change of their regime and improvement of enforcing the regime {text:bibliography-mark} ; hence the playground for market imperfection will not last long. Erstwhile, some of the modern political ideologies could be traced back to the Roman Empire, whereby historical evidence provides the foundation of the different types ofShow MoreRelatedPoli3001 Political Regime China and the Usa Essay1671 Words   |  7 PagesEssay Question: Briefly compare the political regime type in China and the United States. Which of the two would you prefer to do business in and why? (If you want to you may specify the business) POLI 3001 – Short Essay Within all nation-states, a political regime is imposed which attempts to protect the individual interests of that country, however, it can also have the potential to limit that countries economic development and the United States and China are no exception to thisRead MoreThe Main Causes Of The Cuban Revolution1643 Words   |  7 Pagesworld has experienced a revolution. A revolution can be simply defined as a change to overthrow a government or a system. When a country decided to do a revolution, the idea is to modify the government for better changes . There are many different type of revolutionaries, some of them are intellectually, yet others may respond physically through destruction. Some may be peaceful, some short lasting, and some pointless. A Revolutions is directed by a hero who have an ideology and belief systemRead MoreBriefly Compare the Political Regime Type in China and India. Which of the Two Would You Prefer to Do Business in and Why?1478 Words   |   6 PagesPOLI3001 Assignment No. 2 Briefly compare the political regime type in China and India. Which of the two would you prefer to do business in and why? India and China are two republics that have experienced very opposing political regimes throughout history. China has been fundamentally stable country with a lack of a distinct authority figure (Desai, 2003). Being a single party state China has been controlled by the Chinese Communist Party since the 5th National Congress held in 1927 (Wang,Read More Women in the Developing World Essay1049 Words   |  5 PagesWomen in the Developing World Studies of political and economic change in the developing worlds usually say little or nothing about women’s issues. In the past two decades, two factors have contributed to the new understanding of women in developing nations: the emergence of feminist or gender-related social science research and the growing awareness by policy planners that women play an important role in the modernization process. Third world women, just as woman in industrialized nationsRead MoreEssay about The People’s Republic of China: Tyrannical Political State?1912 Words   |  8 Pagesinvasion, and paranoia are conflicting ideas yet all exist within societies past and present. George Orwell prophetically writes about a futuristic society in his book entitled 1984. He uses hindsight of past and present political authority to illustrate the possibility of additional states imposing oppressed control. Orwell asserts the conflicting ideas with, â€Å"†¦the three slogans of the Party: War is Peace, Freedom is Slavery, Ignorance is Strength,† (Orwell, 4). In a clever, applicable, and dauntingRead MoreIrregular Warfare: One Nature, Many Characters1740 Words   |  7 Pagesâ€Å"Irregular Warfare: One Nature, Many Characters[1]† by Dr Colin Grey, he asserts â€Å"that the United States should undertake little irregular warfare. It would be a political and strategic mistake to identify irregular warfare, COIN especially, as America’s dominant strategic future (Grey 1).† I disagree, I would assert that due to the United States’ superior military power and technology, more stable political system (democracy), and globally dominate economy, we can and will, be successful in COINRead MoreSocial Revolutions in the Modern World by Theda Skocpol1092 Words   |  5 PagesTheda Skocpol grew up in Detroit, Michigan, received her B.A. from Michigan State University and went on to earn a PhD from Harvard in sociology, where she is the Victor S. Thomas Professor of Sociology and Government. She is widely regarded in academic circles for her unique approaches to understanding political and social science issues. In 2007, Skocpol was awarded the John Skytte Prize in political science, one of the wo rld’s most prestigious, academic awards. Theda Skocpol’s, Social RevolutionsRead MoreThe Political and Legal Environments Facing Business4014 Words   |  17 PagesCHAPTER THREE THE POLITICAL AND LEGAL ENVIRONMENTS FACING BUSINESS OBJECTIVES †¢ To discuss the different goals and functions of political systems †¢ To profile trends in the emergence and diffusion of political systems †¢ To identify the idea of political risk and approaches to managing it †¢ To understand how different political and legal systems affect the conduct of business †¢ To profile trends in the evolution and diffusion of legal systems †¢ To examine the major legal issues facingRead MoreSocial Revolutions in the Modern World1100 Words   |  5 PagesSkocpol Theda Skocpol grew up in Detroit, Michigan, received her B.A. from Michigan State University and went on to earn a PhD from Harvard in sociology, where she is the Victor S. Thomas Professor of Sociology and Government. She is widely regarded in academic circles for her unique approaches to understanding political and social science issues. In 2007, Skocpol was awarded the John Skytte Prize in political science, one of the world’s most prestigious, academic awards. Theda Skocpol’s, SocialRead Morepoliticalscifinal Essay3071 Words   |  13 Pagesfreedom of speech. When it comes religion and God, everyone should have the basic right to accept, engage and exercise in religious beliefs or on their behalf. Take for example, Brazil and Africa their constitution focuses on social rights, while The United Kingdom is rooted civil rights. The US Constitution is a remarkable document. Too bad the US style of the constitution that deals with civil rights, but not social rights is the least popular kind of world constitution. It is amazing what others

Wednesday, May 6, 2020

Growth In Writing Free Essays

Writing is one of my favorite things to do. Expressing yourself is so much easier when given time to think about what needs to be said. I would like to believe that I have a very rich writing history. We will write a custom essay sample on Growth In Writing or any similar topic only for you Order Now I keep a journal of all my daily events. I also keep a book close by so if I think of any poems I can write them down right away. My favorite piece of writing was a story that I wrote in my first semester English class. The name of the story was Fade. This Semester two of my classes will require me to turn in written assignments. This semester should not be two difficult in terms of how much writing I have to do. From my preliminary observations I can tell that I will have one short paper due in Art History 107 class. Although I only have one paper I have one paper, I have two essay exams in my History class. I believe that with some help the writing portion of this semester should be successful. The Art History paper has to be two pages long. I have to go to a museum and compare two of the exhibits to each other. Professor Cutis said that the first page of the paper should be talking about my reactions to the exhibits using the vocabulary that we learned in class. The second page should discuss the different time periods and there affects on how the critics might have critiqued the works of art. Also, we have to describe what kind of techniques the artist might have used and why. The most difficult part of this paper I believe will be trying to utilize the vocabulary that my professor wants us to use, and figuring out the right ways to critique the art. As for my essay exams in History, I have had a problem getting the right amount of details incorporated with the facts. I talked to my History professor and he said that the best way to know which details to add is to, read and re-read the notes from our lectures. I have been trying to take very detailed notes so it will not be a problem when the time comes for our first exam. To conclude, this semester seems like this semester will be smooth sailing when it comes to the writing aspect of my classes. I am hoping that with the help I receive from my writing class I can produce the best papers of my college career. How to cite Growth In Writing, Essay examples

Saturday, May 2, 2020

Social Male Behaviors On Sundays Essay Example For Students

Social Male Behaviors On Sundays Essay There are many misconceptions about Sundays and its effect on people. Im here to clear it up from the males perspective, and to show women how to deal with these behaviors. Many women believe that Sunday is a sacred day, a time to be together with the one you love most and go to church . This is true, but Sunday is also the time for sports, testosterone driven activities, and for males to hang out with the other males. Sundays seems to bring out a primal instinct inside us men that lays dormant through out the week. These instincts are brought out by the excitement of sports and the surrounding. So here are some insights into our behaviors, eating habits, and our rituals to let you understand us better during these times. One of the main rituals on Sundays is gathering of us male species at various places to be with others like us. One of the places the male species often go to are called bars. These places are like heaven to the male specie. I myself have had first hand experiences with these places. Last Sunday I decided to go to a local bar call Hooters with some of my buddies to observe these ritual behaviors for myself. Upon entering the bar, I knew that it was truly a place for us males to hang out. The walls were filled with sport memorabilia, and on all twelve television sets where either football games or other sport related things. Another thing that made it a true guys hang out were the good food and the waitresses. All of the waitresses were all shaped nicely, wearing provocative clothing which made them truly candy for the eyes. Another one of these places that we male species like to socialize is their own dwellings or anothers. When the male specie hang out they dont like to do it alone , and so others males would join in on the fun. There are also requirements in order for the visiting males to be included in this ritual; they must present a Gift of Flavor upon the visit. Although we male species will consume almost anything that might be digestible on most days, Sundays on the other hand we male species will follow a strict diet. The diet states that, only food products that contain either great amount of salt, cheese, meat, or sugar may be consumed. Also that each serving of these foods must contain no less than 2 grams of fat, otherwise the food is considered sacrileges. Also the most essential part of these rituals are alcoholic beverages, because it seems that alcohol brings out theses primal instincts even more, therefore bonding them even better. In very few cases, sometimes the opposite sex has been known to attend these strictly male rituals. The female species who attend these rituals are there to present a more heterosexual atmosphere to the gathering. So please dont try to invite yourself, if we want you to come we will invite you. At these places males are very loud and obnoxious High fives, hand shakes and group chants are a common sight at these places. But there is a mutual respect among us on Sundays; we dont do things that will upset other males, at least not on purpose. No one goes out to these gatherings to look for trouble, because all males believe that Sundays are a time for peace. Sometimes fights do break out between males, but these incidents are very few. Those who break this unwritten code are banned from such rituals for how ever long it is requiredOther strange behaviors that Sundays tend to bring out in the male species are the overwhelming urge to fix everything he owns. This urge can be both helpful and harmful depending on the subject. Helpful because things males own will get fix, but harmful because this urge also come out in males that doesnt have a clue on how to fix anything. This urge emerges because of the male species need to feel needed and masculine. Males believe that in order t o truly be a man he must be able to do thing that the opposite can not do, mainly fix things and hard labor. This behavior is often accompanied by alcohol as well; it also has the purpose of letting the male species concentrate and have fun. So just let us fix our things even if it doesnt need to be fixed, it would help our self-esteem. .u2d2c6388336d397975b38f19b7538894 , .u2d2c6388336d397975b38f19b7538894 .postImageUrl , .u2d2c6388336d397975b38f19b7538894 .centered-text-area { min-height: 80px; position: relative; } .u2d2c6388336d397975b38f19b7538894 , .u2d2c6388336d397975b38f19b7538894:hover , .u2d2c6388336d397975b38f19b7538894:visited , .u2d2c6388336d397975b38f19b7538894:active { border:0!important; } .u2d2c6388336d397975b38f19b7538894 .clearfix:after { content: ""; display: table; clear: both; } .u2d2c6388336d397975b38f19b7538894 { 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; } .u2d2c6388336d397975b38f19b7538894:active , .u2d2c6388336d397975b38f19b7538894:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u2d2c6388336d397975b38f19b7538894 .centered-text-area { width: 100%; position: relative ; } .u2d2c6388336d397975b38f19b7538894 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u2d2c6388336d397975b38f19b7538894 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u2d2c6388336d397975b38f19b7538894 .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; } .u2d2c6388336d397975b38f19b7538894:hover .ctaButton { background-color: #34495E!important; } .u2d2c6388336d397975b38f19b7538894 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u2d2c6388336d397975b38f19b7538894 .u2d2c6388336d397975b38f19b7538894-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u2d2c6388336d397975b38f19b7538894:after { content: ""; display: block; clear: both; } READ: Baseball Vs. Football EssayBut some males of the specie can get the total opposite sex of this behavior, and is often referred to as sloth. This behavior often causes late sleeping, for that day the male species are able to slumber for hours beyond his usual time of waking up. But this chronic sleep always seems to be canceled by the males inner clock when he senses the pre-game show is about to start. It doesnt stop there. Even though they have awakened for their slumber, we are still in a trance like state of mind. The ones that go through this trance have been know to sit or lay motionless for hours watching nothing but sports and pointless infomercials on television. W e only move when it is an extremely necessary situations, like in a life or death situation, call of nature, lack of nourishment, or commercials. But dont think that when we are moving that we will do anything else except for the extreme situations. But also, do not mistake our inactivity for unawareness. Even though it seems like our minds seem like they are blanked we can sense all that is around us the entire time. We just dont want to talk to you. So just let it be. Some males are not like this at all. They retain their sanity through out the entire week, because they have a disorder that is often referred to as P.W syndrome. You can spot these males easily; theyre often seen at local malls on Sundays accompanying the opposite sex during their shopping. Another tells tale sign of P.W Syndrome is the answering of every womans commands with yes followed bye a stupid pet name. If you have a man like this, you can do better. There are no definite set times when all these primal instincts will go away but there are time frames when these behaviors will start to decrease. People have noticed that they start to decrease after the last post game show on television had ended and football too is gone for the day. But some scientists believe that availability of alcohol plays a major part in the decrease, because the party is over when the drinks are gone. The only way that you can make it easier on you during these times is to just go with the flow. Be lazy too or fix things, by doing this you will notice that the time will fly by. Or you can pick up our hobbies, like football, drinking beer and hot wings. Because if we see that youre cool we will invite you to our gatherings. But if think that doing these are not for you, you can just stay the hell away from us. Go to your parents house, girl friends, or siblings and do your feminine activities. We wont interfere with your rituals. But please understand its not our fault, we dont do this because we want to, it just that it is part of being a man. And I hope in reading this you have learned and understand more about the men in your life. And that its up to you to decide how it will affect you.