...Companies MSIRE Real Estate Finance Prof. Dr. Zhonghua Wu Gerardo Gato Agustin “Gus” Quevedo Cal Santangelo Lilia Tome Maria Carolina Vivas May 15, 2011 The Bourland Company The Bourland Company is a Real Estate family business located in Boston, Massachusetts that has always been very conservative run by Glen Bourland and never has taken unnecessary risks especially on the level of leverage it uses. It has grown very fast during the eighties and expanded from developing just multifamily properties to developing office and retail premises around Boston and the South area of New Hampshire. Fortunately, thanks to the coincidence that Glen Bourland decided to retire to Florida and delegate the control of the business to his son Michael, the company stopped to development in 1989 and also made some good sales before the market collapsed and was able to resist, in a better and stable way than other developers, the early 1990’s financial crisis. However, in 1991, Glen returned to his business as a Chairman of the company but delegated the day-to-day operations to his son. Glen’s daughter planned to move back to Boston and join the family business, adding more pressure on Michael’s decisions. In 1995, the company was doing well but had to refinance two distressed properties that were bought in 1992 and, because the credit crunch, just were able to get 3 years “miniperm” loans from Bank of Boston. Michael was evaluating...
Words: 2620 - Pages: 11
...The Florida Everglades Tasks 1a. Identify the specific geographic location. The Florida Everglades are located near the southern tip of Florida. This land is a "watershed" that originates near Orlando at the Kissimmee River and flows to the Gulf of Mexico. The Everglades are actually a slow moving river that can reach up to 60 miles wide and 100 miles long, yet is only 6 in. deep in some areas. The name "Everglades" was originally penned by author Marjorie Stoneman Douglas in 1947 when the book "Everglades: River of Grass" was published. (PERHAPS DEFINING MORE DO THE EVERGLADS REACH THE GULF OF MEXICO ON THE WEST OR THE ATLANTIC ON THE EAST. HOW MANY MILES FROM THE COAST LINE ARE THEY? ALSO ARE BOOKS UNDERLINED? B. explain the major biotic and abiotic components of the system. The are many unique species that inhabit the Everglades. Mammals, reptiles, amphibians, birds and plants all make up the diverse ecosystem that the Everglades is known for. Many of the organisms located in the Everglades are indigenous to the area, while some have migrated from other regions. The Everglades are the only area where alligators and crocodiles co-exist. Many other freshwater and saltwater animals are found in the Everglades. Some examples of the animal life are the raccoon, white-tailed deer, river otter, and the Atlantic bottle nose dolphin. Plant life in the Everglades is as diverse as the animal life owing to the concentrations of fertile soil and extreme...
Words: 999 - Pages: 4
...child will benefit from a healthy, loving home, whether the parents are gay or not (eQuality, 2005). With that statement in 2008 from the individual who holds the most powerful authority in the United States, why are gay and lesbian couples today still battling adoption laws? When in fact while trying to adopt and raise children a couple’s sexual orientation should not be a factor. Homosexuals should not have to battle or circumvent adoption laws. The American family does not look the same as it did 30 years ago; therefore the adoption laws should not be the same either. Consequently, the adoption laws for some states are changing as the world evolves and realizes that a child’s well-being is more important than his or her parent’s sexual preferences. Currently, gay and lesbian couples are prohibited from adopting in only two states, Utah and Mississippi (Tavernise, 2011). Equally important is the exclusion on marriage and equal parenting rights for both parents. Some same sex households face the inequality in parental rights when children are included from previous heterosexual relationships. For example, in 2002 the Pennsylvania Supreme Court ruled that same sex adoptions should be permissible. The Supreme Court’s decision to allow same sex adoptions only came after the lower courts in Pennsylvania denied two same sex adoption petitions (Appell, 2003). The Supreme Court’s decision was based on the language included in the Adoption and Safe Families Act (ASFA)...
Words: 2240 - Pages: 9
...governmental welfare system today is the push for mandatory drug testing for its participants. With the present controversy surrounding it, several would pose the question as to whether or not the government should have the right to hold people who partake in the government entitlements accountable for illegal drug use or would this sort of action actually cross that boundary line of civil liberties into an invasion of one’s privacy? The state welfare system was established to financially assist those who are unable to meet the basic needs for everyday living; drugs are far from the basic human needs. If drug-using recipients receive the same benefits as those that are not parking in the illegal usage, they are much more likely to use their benefit check to obtain their next fix rather than to purchase the groceries needed to feed their families. Implementing mandatory drug testing for its recipients would decrease the amount of people abusing the system as it would require them to maintain a drug free status in order to receive their aid. In doing so, it would also reveal the recipients who are utilizing a portion of the governmental program for the wrong reasons; thus being a waste of tax payer’s governmental revenue. The United States government has a vested interested in getting its participants off of the assistance program and back into the working class and headed for a stronger financial future. If the government were to hold its welfare recipients accountable for illicit...
Words: 3017 - Pages: 13
...You’re on your feet all day, constantly moving, helping save lives- I find that perfect for me as to sitting at a desk the entire work period. Also, as I explained earlier, CRNAs which have a masters degree has the same role as an anesthesiologist, sometimes, being able to practice on their own but the main difference is salary. This isn’t a big concern for me, although I thought about being an anesthesiologist, they make more on average; CRNAs can make just as much with the right experience along with them having up to 5 fewer years of education plus it’s still a phenomenal salary. Helping with patients as a CRNA would benefit them as well due that dealing with an anesthesiologist who has more of an education also requires more pay and if you’re dealing with a CRNA, it’ll cost less. According to this specific article, “The top-paying states for CRNAs are Montana, Wyoming, California, Oregon, Nevada” which means moving to the North-West would be my best fit-not so much as moving that far away from family. It also states, “Currently, the states with the highest level of employment for CRNAs are: Texas, Ohio, North Carolina, Pennsylvania, and Florida.” This has me thinking again because I was considering moving to a neighbor state or a little further but since the state, I live in now is in high demand for my future pursing profession, it may be best to...
Words: 656 - Pages: 3
...The Land Remembered teaches us lessons of overall sustainability. The Land Remembered is a novel by Patrick Smith. It tells a story of a pioneer family detailing their progression through three generations the way that each generation interacts with the land and depicts the changes over time. The process of change emphasizes the importance of adaptation. Our generation’s lesson from this story is to focus on future sustainability and how we can adapt to more eco-friendly practices. Tobias McIvey, the first generation character, was a simple man with integrity who had used the land and it environment to sustain his family. Taking his family from Georgia to Florida he encountered many hardships to survive and keep his family safe. With the help of the Indians he learned how to use the land and its inhabitants to make a better life. This is the reflection not only of a change in the land but also a change in the man. Corralling wild cows and fattening them up to sell was the real beginning of development. It is the author’s way of depicting how the environment truly defines who we are. Zech McIvey, Tobias’s son, having grown up through all the experiences of learning to sustain his family, developed a love of the land. Living and exploring the wilderness, his only exposure was to the natural environment, which created his special bond with the animals and the land. As he grew older and went with his father on the cattle drives, he started to acquire tracts of undeveloped land...
Words: 1049 - Pages: 5
...Interview and Selection Process 8. Orientation 9. Training 10. Compensation and Benefits 11. Performance and Appraisal System 12. Conclusion An Organization needs several different branches to function as a whole. The HR Department is just one section of an organization that is needed to make all things work accordingly. This HR plan shows the structure of how a Solo HR operation facilitates the employees needs within the organization. HR is necessary to the company as it pertains to profitability, which in turn requires some type of strategic planning to help guide the employees in a successful direction. As you will find that this HR plan explains various steps that are taken to ensure the success of the HR Department as it utilizes its many functions. The different functions are detailed as to what they do and who they are beneficial to. In order to achieve success HR follows best practice in its planning and design phase. A Solo HR Department faces challenges when attempting to develop and implement a strategic model that is expected to align with the organizations core values and missions. This essay will seek to show how effective a well designed HR plan can be to an organization that is looking to be successful. Company Structure and History Angels Destiny LLC is a GA based freight brokering company, that was established in 2008 for the sole purpose of moving freight in and around the continental US. A Freight Brokering Company acts as a middleman...
Words: 3091 - Pages: 13
...Business Plan For: Dazzle Berry, LLC TBD. Ormond Beach, Florida Prepared by: Brandon McDaniel November 25, 2013 Executive Summary Dazzle Berry is a self-service retail yogurt shop with locations on the east coast of Florida, including Daytona Beach, Ormond Beach, Palm Coast, and Flagler Beach. Along with existing investment capital and an personal that are experts in the food and beverage department, the founding members of Dazzle Berry are passionate about making our natural low fat yogurt concept an extreme success on the east coast of Florida beginning with our presence in Ormond Beach, Florida. Ormond Beach, Florida will be the headquarters for Dazzle Berry based on the long time connections the founders have with the community. Dazzle Berry is looking to bring organic low-fat Frozen Yogurt and organic sandwiches to the Ormond Beach market. The company’s initial offerings will be a self-service store where the customer can choose from a large variety of organic low fat flavors and toppings. Which very heavy community marketing we intend to create a loyal customer base that will see Dazzle Berry as a friendly, Frozen Yogurt Shop with outstanding unbeatable quality products. We predict our first year sales will reach approximately $195,000, (1) and will climb to over $250,000 by the end of the second year. These sales figures should be easy attainable. DAZZLE...
Words: 2342 - Pages: 10
...When Bessie was two years old, her father, a day laborer, moved his family to Waxahachie, Texas, where he bought a quarter-acre of land and built a three-room house in which two more daughters were born. When George Coleman's hopes for a better living in Waxahachie remained unfulfilled, and with five of his nine living children still at home, he proposed moving again, this time to Indian territory in Oklahoma. There, on a reservation, his heritage of three Native American grandparents would give him the civil rights denied to both African Americans and Native Americans in Texas. In 1901, after Susan refused to go with him, he went to Oklahoma on his own, leaving his family behind in Waxahachie. Susan found work as a domestic, her two sons became day laborers, and Bessie was left to be the caretaker of her two younger sisters. Education for Coleman was limited to eight grades in a one-room schoolhouse that closed whenever the students were needed in the fields to help their families harvest cotton. Already responsible for her sisters and the household chores while her mother worked, Coleman was a reluctant cotton picker but an intelligent and expert accountant. The only member of the family who could accurately add the total weight of the cotton they picked, she increased the total whenever she could by putting her foot on the scale when the foreman wasn't looking. Coleman easily established her position as family leader, reading aloud to her siblings and mother at night, winning...
Words: 1249 - Pages: 5
...past Election Day, its clear that Gwen Graham will have the opportunity to show the people of Northern Florida what she’s capable of. It’s an interesting case that a Democrat, and a female nonetheless, has secured her seat in a district that has been predominantly Republican in regards to congressional elections. The rural makeup and political landscape has naturally favored the Right in recent decades, but Graham was able to raise, and therefore spend, significantly more money within the region. The democratic victory was significant in an election that was defined by an overwhelming red republican wave as shown in Table 1. The money aspect of Florida’s 2nd, coupled with the image that each candidate aimed to display during their campaigning are two of the main concepts that will be discussed more in depth throughout the remainder of this study. As previously mentioned, North Florida, including Florida’s 2nd District is ultimately rural and has a constituency that is 71% Caucasian, stretching a whole thirteen counties. Although mainly republican, the district has voted more liberal in presidential elections, and leans significantly less republican as it contains its largest population center located at Tallahassee. The PVI expressed within this district is +6 in favor of the Republican Party. Candidate Profiles: Gwen Graham (D) Gwen Graham, the daughter of former Florida governor Bob Graham, ran as a Democrat with independent...
Words: 2235 - Pages: 9
...the Puerto Ricans they speak English as well. According to the 1990 U.S. Census, there are nearly 860,000 persons of Cuban descent in the United States. Of these, 541,000, or almost 63 percent of the total, live in Florida. The majority of these Cuban Americans like in Sade County, the county in which Miami is located. Additionally, there are considerably sized communities in California, New York, New Jersey. These three states combined, account for 23 percent of the Cuban American population. Although there is a large population in the previous mentioned states, Florida and Miami hold steady as the center of the Cuban American community. The Cuban American communities have been well absorbed in the United States. Furthermore, because of the sheer size of the population, they have a significant political influence. In 1993, the Cuban American National Foundation petitioned against, and effectively prevented the Clinton administration from selecting an undersecretary of state for Latin American affairs whom it opposed. 78 percent of the Cuban American population had registered to vote in 1989 and 1990; compared to 77.8 percent of white, non-hispanic Americans. Cuban Americans also benefit from a greater economic wellbeing than other Hispanic groups. The average family earnings of Cuban Americans was...
Words: 1296 - Pages: 6
...of people achieve longer lifespans than is usually the case. The common theme among these remote locations is a local commitment to certain dietary and lifestyle practices that play a considerable role in greater longevity. Learning about different cultural practices to achieve healthy living offers insight on how to improve one’s own lifestyle. Of the Power9 suggestions, moving naturally and the 80% rule were not what I expected to see. Rather than consciously making the effort to stick to a physically active routine, individuals in Blue Zones are consistently active because of their living circumstances and hobbies, such as gardening. I am most...
Words: 1375 - Pages: 6
...Native American Gaming in the U.S. Sarah E. Wall TM 378 University of Southern Mississippi The casino industry is a large industry in the U.S. According to Business Insider, the gaming industry in the U.S. is worth over $240 billion dollars (Pierceall, 2014). In 2013, it employed nearly 1.7 million people (Pierceall, 2014). Gaming, gambling, is what the casino industry is made of. Gambling is to make a prediction of an uncertain outcome and the back the decision with money (Hashimoto & Fenich, 2007). Gaming was a tradition amongst the Native Americans long before the arrival of Christopher Columbus. Native American Gaming is still a huge part of gaming in the U.S. today. History of Native American Gaming: Long before the ships of Columbus brought playing cards to North America, the indigenous people engaged in gambling activities (“Native American Gaming”, n.d.). According to History of Native American Gaming, 2009: “Gaming is not new to Native Americans. In fact, it has been a part of our culture since the beginning of time.” Stewart Culin’s Games of North America Indians classifies the hundreds of Native games into two categories. These categories include (“Native American Gaming, n.d.): 1) Games of chance, including dice games and guessing games 2) Games of dexterity, encompassing archery, javelin and darts, shooting, ball games, and racing games These categories were found among all of the North American tribes when the Europeans invaded the North...
Words: 1683 - Pages: 7
... 1. Not enough jobs locally. 2. Unaffordable rent. 3. Small town, not much to do. 4. Some places that are bus stops dont have the bus stop sign 5. alot of drug use Investigate the two issues you chose in the above question. Use this chart to take notes as you research. Use the library, Internet, family and friends, and trusted community members. Talk to at least three trusted adults about the issues you research. These people may suggest good ideas and websites for information. One example would be your city or county government website. Be sure to note where you find information in your chart. Issues |Issue #1|Issue #2| What is your issue?||| Who …a. Whom does the issue or problem affect? How does it affect them? b. Are others already working on the issue?c. Who else cares about it that you know?d. Who has information that can help you? |a. It affects anyone who is looking forward to moving. If theyre being evicted & need to find affordable rent quickly they are unable to do so.b. Not really, landowners are looking for high rent payers to help pay their mortages because we have high taxes on landproperty here.c. Some class mates looking forward to moving outd. Realtors, online sources.|a. Any teenager or grown adult looking for a job. It may cost them their home if theyve lost their current job & are in a hurry to find a new one.b. Yes, more jobs are coming available.c. Everyone in the community looking for a job.d. Local places...
Words: 1452 - Pages: 6
...Miami School District Negotiation MGT 445 August 30, 2011 Miami School District Negotiation When children move to a new school, it not only affects the children. It affects their families, the community, and the school. The school boundaries in Miami must be redrawn to concentrate on overcrowding. Experts are choosing and evaluating these boundaries. The affected stakeholders are experiencing concerns. One must first identify the stakeholders and their concerns before he or she can establish each of the concerns. Choosing a strategy for negotiation and reviewing the ethics and culture effects will ensure that the negotiation approach is applicable for the circumstances. In this paper the subject to analyze is a negotiation strategy that favors the board’s requirement to redraw school boundaries, identification of the stakeholders and how culture, and ethics affect the strategy. Stakeholders To originate an efficient negotiation strategy, one must identify the stakeholders and stakeholders concerns. The stakeholders in the Miami School District project are the students, parents, teachers, and school staff, and the community. The students are primary stakeholders because students who change schools will encounter a new teachers, campus, and classmates. Students will depart from the comfort of familiarity. The parents will experience the effects of a new environment for their children, and a different location of the new school. Teachers and staff will experience class...
Words: 1557 - Pages: 7
