...popular city in the world. The beautiful and well-known Florida city is a place with something to offer every one of its nearly 500,000 residents. From the trendy and entertaining nightlife of South Beach to the Cuban cuisine offered up by Little Havana, the diverse and vibrant city is a multifaceted and dazzling jewel on the edge of Florida's southernmost coast. From the historic districts of Coral Gables, to the bohemian luxury of Coconut Grove, residents of Miami enjoy year-round access to some to a seemingly endless array of opportunities for shopping, dining and entertainment. Miami is also a paradise for those who enjoy outdoor recreation. The mild climate of the Southern most portion of Florida's...
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...Home Is... - Research Paper - Louisemarie 27/12/14 00.37 Login Join Spar optil 50 % The Research Paper Factory www.itasker.dk Join Search Browse Saved Papers Search over 100,000 Essays Home Page » Novels Home Is... In: Novels Home Is... Home is... The main character in Home Is, by Morris Lurie, is Max Gottlieb. Max; an out burned poet with a boyish and sad eyes with an intense look (p. 60, l. 36). He is meeting up in Rhodes with his two good friends, the couple Sylvia and Larry, wich is one of the places he has got a house or a place he calls home. Larry is an artist, a painter. He is very modest and attenuates his answer when Max asks about his painting; “Just dabbling” he says (p. 60, l. 5), even though Max presumes that he is winning prices and making lots of money. Larry doesn’t deny this. His wife, Sylvia, is a very talkative lady, the novel doesn’t tell much about her but that she is sunbathing and likes a good gossip. Since she wants all the gossip before everyone else (p. 61, l. 3) one could think that one of her main doings on a small island like Rhodes is hostessing. Max is out of a rich family; when his father dies he inherits a lot of money; “Max the millionaire” (p. 61, l. 32). Sylvia and Larry seem financially privileged too; him painting and her probably being a housewife. The novel doesn’t tell anything from their background; maybe Larry is such a skilled painter that they can live carefree out of that. Max, Sylvia and...
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...Before I go into this paper about this government shutdown. Let me refreshing your memory why we got this far in the first place. It was clear at the beginning of 2013 when the Congress suspended the debt limit, that sooner rather than later that it would need to be increased. It was also clear that a new spending bill would be needed when spending authority for non-entitlement programs expired at the end of September in order to prevent a partial government shutdown. House Speaker John Boehner said he would insist on spending reductions as part of the price of voting to increase the debt limit. And last summer Sen. Ted Cruz, R- Texas, and other conservatives began discussing their plan to block or delay the Affordable Care Act before enrollment in insurance plans started in October, by using the spending bill or debt limit as leverage. President Obama and congressional Democrats have steadfastly insisted on nothing less than a “clean” bill to continue funding the government at currents levels and a “clean” extension of the nation’s ability to borrow, with no extra bargaining in either situation. With Republicans holding the majority in the House of Representatives and Democrats in control of the Senate and White House, the government has come to this standoff. Now, since the government have shutdown the consequences for some has been far-reaching, but minimal impact for others. The Department of the Interior is partially closed, but it affects...
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...Foreclosure Crisis in Florida and Beyond: Suggested Conflict Resolution Framework For Resolving this Crisis American Dream (or) American Nightmare [pic] [pic] David W. Puckett Email: dpuckett@dvergence.com Skype: david.w.puckett Twitter: davepuckett@twitter.com Phone: 813.727.3583 Introduction Each day there are stories reported in the news about mortgage foreclosures, detailing the single biggest financial crisis to hit the nation that is creating a strangle-hold on our economy and preventing economic recovery. While the entire nation has been stunned, the crisis has disproportionately affected the states of Florida, Nevada, Arizona, California and Georgia; these states were hit with an unprecedented loss of value in residential real estate. According to the leading provider of real estate industry statistics, Realtytrac.com (2011), one in every 611 United States housing units had a foreclosure filing during the month of July 2011 and it appears that the foreclosure processing delays, combined with the smorgasbord of national and state-level foreclosure prevention efforts such as loan modifications, lender-borrower mediations and mortgage payment assistance for the unemployed may be allowing more distressed homeowners to stave off foreclosure.. A CNBC report said that the falloff in foreclosures is not based on a “robust recovery in the housing market but on short-term interventions and delays that will extend the current housing market...
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...differentiating between non-profits and for-profits businesses due to the different strategies involved within management in attempt to maintain the scope of this analysis. At first thought this seems irrelevant, however, the internal and external environments of these two types of business structures are different and management must prioritize accordingly. In academia, the for-profit institution must operate similar to a regular business with a focus on profitability that will satisfy stakeholders rather than focus primarily on the quality of education. The non-profit institution will focus primarily on education and student success, which will contribute to the brand awareness and prestige that will be discussed later. An analysis of the Colleges and Universities in the United States will be limited to non-profit private and public institutions that offer Bachelor’s, Master’s, and Doctorate degrees. Bachelor’s (undergraduate) degrees are the first program of study, are offered in a wide variety of studies and disciplines and are typically earned in 4 years. A Master’s (graduate) degree is the next level of program study that is typically completed in 1-2 years. The Doctorate degree is the highest academic degree available and does not always require a Master’s degree for enrollment. The Doctorate degree time frame completion...
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...third quarter of 1994, the board of directors of Pioneer Savings and Loan of Orlando, Florida requested that their president, Herbert Jones, submit a recommendation on whether or not to grant branch managers a cash bonus that year. According to the company’s Management by Objectives (MBO) system, the granting of yearly bonuses was contingent upon the attainment of specific corporate profit objectives, in addition to the individual manager’s performance against pre-established MBO targets. Earnings in 1994 were targeted for a 15% increase over the 1993 profit. This 15% growth objective was established late in 1993 when management fully expected that Pioneer Savings could continue compounding the growth at a rate of 15% to 20% per annum it had achieved in the previous few years. But a variety of factors had conspired to hit Pioneer Savings’ bottom line hard in 1994. An active hurricane season had brought with it torrential rains, washing away millions of tourist dollars. Many locals had been forced to withdraw (rather than add to) savings to meet living expenses, which depleted Pioneer’s assets against which to make loans. Perhaps related to lower numbers of northern visitors was a mini-glut in housing, and the construction industry had slowed (albeit briefly) to a crawl. Finally, what house buyers there were seemed more and more to be arriving in Orlando with allegiances to their home northern financial institutions in tow, as several carpetbagging northern financial...
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...1. Ramada Demonstrates Its Personal Best In 1996 the latest D. K. Shifflet survey of customer satisfaction in the hospitality industry showed mid-tier hotels continuing their downward trend in perceived customer service, reflected by more and more respondents giving ratings on customer service in the 7 or lower range on Shifflet’s 10-point scale. While Ramada’s satisfaction rates held steady, “It was only a matter of time before we experienced the problem,” says Tim Pigsley, director of operations for Ramada Franchise Systems (RFS). Shifflet research highlighted three critical areas for study that could influence customer satisfaction: hiring (finding the best people to deliver Ramada’s brand of exceptional service), training (giving employees the tools to deliver exceptional service), and motivation (providing the impetus for Ramada employees to deliver exceptional service). Unlike some of its competitors, RFS is a totally franchised system. In such an environment, not only must headquarters contend with the variable human factor of all service operations, but additionally, RFS must contend with differing “exceptional service” standards among owners of the nearly 900 Ramada properties. “Due to the franchised system of property management, we needed for each management team and each employee to be committed to the change—to buy in to any new program—whatever shape it would take,” explains Pigsley. “We wanted to learn and borrow from the best so we started with Disney. In...
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...wretched and demoralizing in the recent history of American violence, and I was surprised that the scene of the crime did not attract more attention. “I guess people move on,” he said. I walked up a slight rise that provided an imperfect view of the back of Theater 9, where the massacre took place, and tried to imagine the precise emotions the victims felt as the gunfire erupted. “The shooting started at a quiet moment in the movie,” Stephen Barton told me. He was shot in the opening fusillade. “I saw this canister-type thing, a smoking object, streak across the screen. I thought it was a kid with fireworks playing a prank.” Barton is 22 years old. He had been preparing to leave for Russia this fall on a Fulbright scholarship. “The first...
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...$473 trillion The world is connected through the stock market with London at it’s center not only geographically but time wise Globalization has vulnerability to financial shocks and political forces Big and Painful crisis West caught up in full blown because of mortgage lending we wanted to export to the rest of the world Americans there is no place like home we take the universal priveledge to own a home for granted Before the 1930’s no more than 2/5 of American households were owner occupied; however, it was born out of an American financial crisis. During the Great Depression in 1929 everyone stuggled to pay rent and mortgages. The greatest hurt was in Detroit the auto industry was cut in half as well as the wages. On March 7, 1932, 5,000 workers that were laid off marched to the factory to demand unemployment relief. Unarmed crowd in deerborn police officers reached out and fired into the crowd 5 workers were killed. A few days later 60,000 people were honoring them at their funeral. A communist newspaper accused henry ford’s son of leading a massacre Diego rivera mural showing Detroit as a sign of cooperation not class conflict was a lifelong communist 1933 seen as travesty The new deal is what began to reunite the us pioneered the idea of a property owning democracy Gov rigged housing market to give incentives to become home owners garentied loans New administration offered lower interest loans most fixed for 20-30 year fannie mae created...
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...California EXAM PREP The SMART Guide to Passing Kor Real Estate California Real Estate Exam Prep: The SMART Guide to Passing Cengage Learning Vice President/Editor-in-Chief: Dave Shaut Executive Editor: Scott Person Acquisitions Editor: Sara Glassmeyer Senior Marketing Manager: Mark Linton Manager of Technology, Editorial: John Barans Frontlist Buyer, Manufacturing: Kevin Kluck Art Director: Bethany Casey Content Project Manager: D. Jean Buttrom Production Service: Pre-Press/PMG-India Cover Designer: Pop Design Works, www.popdesignworks.com Cover Images: © Getty Images © 2009 Cengage Learning ALL RIGHTS RESERVED. No part of this work covered by the copyright hereon may be reproduced or used in any form or by any means—graphic, electronic, or mechanical, including photocopying, recording, taping, Web distribution, information storage and retrieval systems, or in any other manner—except as may be permitted by the license terms herein. For product information and technology assistance, contact us at Cengage Learning Customer & Sales Support, 1-800-354-9706 For permission to use material from this text or product, submit all requests online at www.cengage.com/permissions Further permissions questions can be emailed to permissionrequest@cengage.com Library of Congress Control Number: 2008926512 Student Edition ISBN 13: 978-0-324-64498-2 Student Edition ISBN 10: 0-324-64498-1 Student Edition with CD ISBN 13: 978-0-324-64497-5 Student Edition with CD ISBN 10: 0-324-64497-3...
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...Get Content. Get Customers. How to Turn Prospects into Customers with Content Marketing a complimentary eBook by Joe Pulizzi and Newt Barrett Get Content. Get Customers. Joe Pulizzi • Newt Barrett How to Turn Prospects into Customers with Content Marketing What You Will Learn By Reading This eBook • • • • • • • • • • The 3 reasons traditional marketing isn’t working. Content marketing is the biggest industry you’ve never heard of. What content marketing really is and why it is important. Why using the B.E.S.T. strategy can be the litmus test for your content marketing efforts. Why you must think like a publisher today! The 6 reasons why you can communicate with buyers directly. The 11 biggest benefits of content marketing. The 7 deadly sins of content marketing. What MindJet, Best Buy and ThomasNet are doing to drive business through the use of great content. What content channels are available to launch content marketing efforts and when to choose the right one. and much more… 2 Get Content. Get Customers. Joe Pulizzi • Newt Barrett How to Turn Prospects into Customers with Content Marketing If you answer ‘Yes’ to these questions, this eBook is for You • Are you disappointed with results from traditional marketing efforts? • Do you have difficulty proving a return on your marketing investment? • Are you spending a lot of money on your marketing and you’re not sure if it’s working? • Do your marketing materials...
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...Burning Down the House: Mortgage Fraud and the Destruction of Residential Neighborhoods Ann Fulmer March 2010 Burning Down the House: Mortgage Fraud and the Destruction of Residential Neighborhoods Mortgage fraud is bank robbery without a gun. 1 It is a high-yield, 2 low risk enterprise that has been reported in all 50 states, Puerto Rico, Guam, American Samoa, 3 Canada, 4 New Zealand, 5 Australia, 6 and England. 7 In the United States, it is committed by organized international and domestic rings, 8 street gangs, 9 terrorists, 10 drug traffickers, 11 real estate agents, 12 closing attorneys, 13 appraisers, 14 mortgage brokers, 15 The targeted victims distinguish mortgage fraud from predatory lending. In predatory lending cases the borrower is victimized by the illegal practices of the lender or its agents with respect to fees and disclosures relating to the cost of the loan. It is unfortunate that the media, consumer activists, legislators and law enforcement personnel frequently conflate mortgage fraud with predatory lending since it adds unnecessary confusion to an already complex issue and diverts attention and badly needed resources from the fight against true mortgage fraud. 2 The average “take” on a bank robbery is approximately $3,000.00. By contrast, the average straw borrower receives a “cut” of at least $10,000 and the orchestrator’s “take” in a mortgage fraud transaction frequently exceeds $100,000. In a few cases the orchestrator’s take was in excess of $1...
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...------------------------------------------------- THE CASE FOR MORE Guns (AND MORE GUN CONTROL). Language: English Authors: GOLDBERG, JEFFREY Source: Atlantic; Dec2012, Vol. 310 Issue 5, p68-78, 9p, 4 Color Photographs Document Type: Article Publication Information: Atlantic Media Company Subject Terms: GUN control -- United States CONCEALED weapons AURORA shootings, Aurora, Colo., 2012 COLUMBINE High School Massacre, Littleton, Colo., 1999 MAUSER, Tom FIREARMS -- Law & legislation -- United States SCHOOL shootings -- Prevention Geographic Terms: UNITED States Abstract: The article discusses gun control in the U.S. and argues for a connection between increased access to guns among law-abiding citizens and the prevention of gun violence. The author looks at several shootings such as the 2012 movie theater shooting in Aurora, Colorado and the state's 1999 Columbine High School shooting. Topics include gun control advocate Tom Mauser whose son died in the Columbine shooting, laws related to U.S. gun shows and concealed weapons, as well as university policies. Document Information: Essay last updated: 20121204 Lexile: 1310 ISSN: 10727825 Accession Number: 83811665 Database: Literary Reference Center Translate Full Text: HTML Full Text ------------------------------------------------- THE CASE FOR MORE Guns (AND MORE GUN CONTROL) ListenSelect: THE CENTURY 16 CINEPLEX in Aurora, Colorado, stands desolate behind a temporary green fence,...
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...in the Wake of the Great Housing Crisis of 2007-2014 Judith Fox* ABSTRACT As 2014 came to an end so, perhaps, did the worst foreclosure crisis in U.S. history. On January 15, 2015, RealityTrac, one of the nation’s leading reporters of housing data, declared the foreclosure crisis had ended. Whether or not their declaration proves true, the aftermath of the crisis will be felt for years to come. During the crisis it is estimated more than five million families lost their homes to foreclosure. Federal, state and local responses to the crisis changed laws and perceptions regarding foreclosure. Despite these changes, we end the crisis much the way we began---with a nationwide foreclosure system mistrusted and disliked by lenders and consumers alike. This paper examines the responses to the crisis in an effort to determine what worked, what did not, and where foreclosure law should go from here. In the end, it is clear that we need a more uniform system, but one that also prioritizes homeownership, or at least home occupancy. I. Introduction: The Crisis and Response As 2014 came to an end so, perhaps, did the worst foreclosure crisis in U.S. history. On January 15, 2015, RealityTrac, one of the nation’s leading reporters of housing data, declared the foreclosure...
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...coffee bar. The study of Starbucks Corporation leads one on a multifaceted journey through an organization’s insinuation into a culture, its dominance of a market and its creation of a brand synonymous with loyalty, integrity and longevity. Understanding Starbucks’ development into an international giant and the strategic approach they took to get there begins with the origins of coffee itself. Ever since it first spread through the Moslem world in the sixteenth century, coffee has played a pivotal role in society by providing meeting places for intellectuals from all sides of life to converge. As coffee was slowly introduced to the European world it was recognized for both its sociability and its taste. Soon Coffee houses were prevalent throughout Europe and were the natural locations for political, literary and societal debate. It crossed the Atlantic Ocean in the mid-seventeenth century and replaced beer as New York City’s favorite morning drink. It can be said that the Boston Tea Party was the beginning of not one but two major revolutions in America. The first was the revolt of the colonists against England, and the second was coffee’s dominance as the beverage of choice for patriotic colonists. 5 Throughout the history of America, coffee has played an important role within the context of a beverage. During the Civil War, coffee was a staple of the Union soldiers’ diets with an allocation of 36 pounds of beans a year for every soldier. By the mid- 1960’s the...
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