...Fashion fascinations for Spring 2010 Spring 2010 exemplifies clothes that are soft, feminine, not overtly frilly and most of all capturing that easy-sexy look effortlessly. Here are the fashion fascination highlights for Spring 2010. 1. Skater Dresses. Yes, every little girl’s favorite sport--figure skating is finally hitting the runways this season. This short dress is a favorite for A-list celebs such as Zoe Saldana and Chloe Sevigny. Skater dresses are so flattering because it flares from the waistline giving a girly & youthful feel. The soft, layered hemlines whether done in pleats or ruffles are sure to make any woman twirl with delight. This dress shows off your lean legs-instantly giving you that svelte look. This look is easy-sexy that comes in soft hues such as lavender, blush and peach. Spring shows are filled with this fantasy inspired look from Louis Vuitton, Christian Dior to Stella McCartney. It is highly recommended that you invest in this piece, as this dress will most likely be wearable for the summer. 2. Gray for day, silver for night. Gray is the new go-to color for day. It’s an easy flattering color that will suit almost everyone. Designers have handpicked a light gray color for spring 2010 shown in most skirts, shorts and blouses. Night time signals the need for some eye-catching hue--silver. Another color that is easy to wear but designers are gunning for the sequined, sparkly silver hue. Arrays of choices are available as designers such as...
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...Character He stood by the corner of the streets, seldomgazing into the distance. His dark flaky hair, roughand odorous suggested the fact he hadn’t had the satisfaction of a bath. His emeraldmilitary jacket; oncetartan green now faded to light grey, covered the untucked, split, and sweat-stained shirt which lay buried underneath. Filled with filth, the old pair of jeans he wore wascut in his knees and reposed four inches above his broad-brush ankles, uncovering the putrefaction that was deep within him. The greyness of everything that surrounded him gave the impression that the lingering shroud of darkness had consumed the sunlight, which once shone upon him that soon warred its way below the horizon of animaginary forest. The stillness in his eyes reminded me of the frozen souls who stood inanimately to the waning glare of the sun casting shadows of the figures of the deceased in a world only he knew of. A startlingly lissom, slender nose was above a distorted mouth with a smear of lines at the corners giving him the face of someone who smiled regularly, but his stiff jaw gave a portrait of a man who knew only one thing and that was failure. Looking deep into his eyes were two fiery balls with an intimidating nature. Hishair was like a grey ocean that swayed with the breeze of the wind. He had a mysterious aura about him, inflicting fear pheromones and perhaps even curiosity at first glance. He had vulgar eyes darker than the moon during an eclipse. My heart was beating furiously...
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...“What is that?” “That, my little friend, is Curtis. We treat him as an individual. He’s something new.” The pair were standing under a battered old sign, one that displayed nothing but a barely discernible iron ‘T’, heavily rusted after years of withstanding the gentle sea breeze of the Dublin coast. The owner of the building, Joshua Travers, was a greying man, entering his late 40’s and slightly wrinkled. His large grey eyes focused on the squat, purple-haired creature before him, ignoring the wind in his speckled brown hair. He removed his waistcoat and set it on a hook by the door as he and his son, a scrawny pale-faced boy named Davey, entered the decrepit, old building. Davey smiled at Curtis as the pair passed, receiving nothing but a...
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...The Lancaster family resides in San Francisco, California, in a two story home. One head of the household, Siren, is currently 39 years old. During her college years, she studied in the medical field and is currently a full-time pediatric surgeon in a hospital near their home. In a previous, unstable relationship, she had Alexine, the youngest child in the family. Alexine, who is now 14 years old, happily lives with her two mothers and older brother. Copeland is Siren’s wife; she’s a 35 year old photographer who also works full-time. They met after they both left college; Copeland had no past relationships and children prior to their meeting. Soon after they got married, Copeland and Siren adopted Macsen from Ireland in 2012 for him to fulfill his dream of studying in America. He’s now 19 years old, and a college student. While both of the parents work, Macsen takes care of Alexine at home. Due to Copeland’s love of animals, the Lancaster family owns three pets: a cat, dog, and turtle. They’re well maintained, since Copeland originally planned on becoming a zookeeper. In addition to the pets, the family maintains good health and no long-term health problems. Overall, the McClain family gets along quite well; arguments and disagreements are rare in their home. All her life, Siren has always wanted to work in the medical field, so being a pediatric surgeon is perfect for her. She values positive changes and kindness; throughout her life, she has always completed small deeds to brighten...
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...was in your studio he never knew when to go, but would sit on and on until you nearly screamed, and burned to throw something enormous after him when he did finally blush his way out–something like the tortoise stove. The strange thing was that at first sight he looked most interesting. Everybody agreed about that. You would drift into the café one evening and there you would see, sitting in a corner, with a glass of coffee in front of him, a thin dark boy, wearing a blue jersey with a little grey flannel jacket buttoned over it. And somehow that blue jersey and the grey jacket with the sleeves that were too short gave him the air of a boy that has made up his mind to run away to sea. Who has run away, in fact, and will get up in a moment and sling a knotted handkerchief containing his nightshirt and his mother's picture on the end of a stick, and walk out into the night and be drowned. . . . Stumble over the wharf edge on his way to the ship, even. . . . He had black close-cropped hair, grey eyes with long [Page 219] lashes, white cheeks and a mouth pouting as though he were determined not to cry. . . . How could one resist him? Oh, one's heart was wrung at sight. And, as if that were not enough, there was his trick of blushing. . . . Whenever the waiter came near him he turned crimson–he might have been just out of prison and the waiter in the know. . . . "Who is he, my dear? Do you know?" "Yes. His name is Ian French. Painter. Awfully clever, they say. Someone started by...
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...Blueprint for Essay Introduction: *--Topic: Is our relationships with others important and do they need to be maintained? Can we learn from our experiences? Through these experiences, can we overcome life’s challenges? -- Lead: Social connections not only give us pleasure, they also influence our health. --Happier, have fewer health problems, and live longer --Building strong relationships with other human beings are essential for people to grow, learn and gain experience. --Learning to let go from bad relationships helps with experience and matures the person. --Three Day Road perfectly portrays a healthy relationship transform into a toxic one. -- Thesis statement: Author Joseph Boyden illustrates human growth through sustaining healthy relationships, beginning new ones, and cutting off the toxic. --Point 1: The preservation of a healthy relationship sets up an atmosphere for both parties to help and learn from each other. The two improve as a person all together. -Proof: - Niska and Xavier have a strong bond; she nourishes him with stories to keep him alive. (People help each other in relationships) -Niska is like a mother figure to Xavier -Elijah and Xavier were always the best of friends. Started to bond since residential school, and had a connection as strong as two brothers -Both help each other improve -Xavier teaches Elijah hunting skills in first scene of book. -“What do we do, Xavier?” (pg 2), Xavier reacts quickly by...
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...Fannie Mae and Freddie Mac Fannie Mae and Freddie Mac are private corporations that were established by Congress and are referred to as government sponsored enterprises or GSEs. They are the largest “packagers” of individual mortgages into mortgage backed securities (MBS) which they guarantee against loss. We will be addressing the following threats to your financial institutions stability. Counterparty risk. Internal and external vulnerability and threats. Stemming the tide of losses from overly aggressive practices in lending continues to retard the marketplace and has yet to reach equilibrium. The use of macro measures is of critical importance in returning the company to profitability. \ The use of Macroeconomic Measures, Using Aggregate Data. These measures approach threats to financial stability from the top down: Is aggregate credit growing too fast? Are credit underwriting standards falling? Are asset prices too high relative to fundamentals? “In an internal boom-bust cycle, an initial market upswing entices new investors and rising prices until additional capital or investors’ nerves are exhausted.”(Evanoff, Kaufman, and Malliaris, 2012). “This process can be amplified by capital rules that encourage banks to increase leverage when the economy is expanding and loan losses are low.” (Hanson, Kashyap, and Stein, 2011). “In the ensuing bust, a credit crunch can occur as participants switch from lending too much to lending too little.” (Brunnermeier, 2009). A selling...
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...cash flows and similar features are packaged into interest-bearing securities with marketable investment characteristics. Securitized assets have been created using diverse types of collateral, including home mortgages, commercial mortgages, mobile home loans, leases, and installment contracts on personal property. The most common securitized product is the mortgage-backed security (MBS). The following types of mortgage loans are most suitable for securitization. 406 M A N A GI N G T H E C R I S I S Conforming Residential Loans Conforming residential loans are single-family, performing (one-to-four family) mortgage loans that conform to Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) guidelines and/or standards. In 1997, these agencies had more than $3 trillion of outstanding mortgage securities backed by conforming residential loans. Nonconforming Residential Loans Nonconforming residential loans are single-family, performing (one-to-four family) mortgage loans that do not conform to...
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...business field. For example, The American Institute of Public Accountants (AICPA) Code requires CPAs to place the interest of the public first. To place the interest of the public first means that CPAs should not place themselves, their client or their employer’s interest above the public. Many business dilemmas involve managers, CPAs, and/or top management who have placed their interest above the public’s interest. An example of an accounting and business dilemma where the public interest was not placed first is Fannie Mae accounting scandal in 2001. Fannie Mae is the Federal National Mortgage Association, a government supported entity that assist lower and middle income Americans to buy homes. The Federal Home Loan Mortgage Corporation (Freddie Mac) also assists lower and Middle Americans to buy homes. Both supported entities gain special treatment and “aimed to increase home ownership by decreasing the cost for homeowners to borrow money.” In order for the entities to decrease the cost for homeowners to borrow money they purchased home mortgages from banks. The home mortgages are then guaranteed and then sold to investors. The treatment of the mortgages helped minimize the credit and interest risk. Fannie Mae “makes money by buying, guaranteeing, and...
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...circulation which will lower interest rates. If the Federal Reserve Banks sell T-Bills currency is taken out of circulation which in turn raises interest rates. Private banks use these base interest rates to then determine the amount of interest to charge its customers when they wish to borrow money in the form of personal loans, construction loans, building loans, and mortgages. If interest rates are high, mortgage rates will also be higher. The higher the rates the less likely consumers will apply for a mortgage to purchase a new home. The Federal Reserve also purchases mortgage-backed securities to provide support to the mortgage and housing markets and to improve conditions in financial markets. These purchases allow entities such as Freddie Mac and Fannie Mae to provide more mortgages to consumers (Burek, 2010). The U.S. Department of Treasury controls the value of the dollar which impacts the economy through inflation. The Treasury can affect the housing market through the sale of Treasury Bonds, T-Bills and Notes. The interest paid on these affect the fixed-interest mortgage rates. The lower the yield, the interest paid on the notes, the lower the fixed-interest mortgage rates (Amadeo 2010). The lower the rates the more willing consumers will be to make larger purchases such as buying a home. Interest rates will affect mortgage rates, housing...
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...Dodd-Frank Act and The Consumer Protection Agency. Finance 5000 Webster University Mr. Smith Patrick Overby Overby41@gmail.com/ 915-540-1267 Spring 2 2015 INTRODUCTION The Wall Street Reform and Consumer Protection Act or the Dodd-Frank Act was signed into law in 2010 due the financial collapse of the economy. It provided regulatory protection for the consumer and oversight on how banks issued loans. It provided a blueprint for how to approach to resolving the challenges that the financial markets can create. The framework of the law resembles The New Deal in the 1930s because of the Great Depression. The reforms implemented by the Dodd-Frank Act will have far-reaching effects on the financial system and our economy. The Dodd-Frank Act allows company stockholder to determine the type of compensation packages of that management receive. Businesses must create a committee to assess and decide the amount awarded to their leaders. There are myriad of viewpoints towards Dodd-Frank from the detractors and proponent of the law. Individuals who are against the law believe that it is inflexible and will hurt businesses. The supporters of the law understand that this will limit the power of the financial institution. Dodd-Frank Act In 2008, the country was going through one of the worst financial crisis in history that resembled the Great Depression of the 1930’s. It not only affected the U.S. but also threatened the total collapse of large financial institutions...
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...Example of Financial Illusion Introduction The emergence of an increasing number of ‘financial illusions’ in the current state of financial markets around the world casts doubts over the famous and widely accepted efficient market hypothesis. The efficient market hypothesis (EMH) indicates that, at any time, prices fully and instantaneously reflect all available relevant information on a particular stock or market (Fama, 1970). EMH also suggests that it is impossible to “beat the market” because stock market efficiency causes existing share prices to always incorporate and reflect all relevant information. Thus, according to the EMH, it is impossible for investors to either purchase undervalued stocks or sell stocks for inflated prices because stocks are always traded at their fair value on stock exchanges. Another reason is because no one has access to information that is not already available to everyone else. One important characteristic of the EMH is its assumption that agents are rational. Rational agents is agents which has a clear preferences, models uncertainty via expected values, and always chooses to perform the action that results in the optimal outcome from all the feasible actions. Their actions depend on their preferences, their information of the current situation; which may come from past experiences, the actions, duties and obligations available and the estimated or actual benefits that the agents can get after the actions. In reality, however, agents are...
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...Queen and it’s written by Freddie Mercury who is the lead singer. The song consists of six sections: an intro, a ballade, a guitar solo, an opera, hard rock and an outro. The song changes a lot in its style, its tone and its tempo, which is very unusual for rock music. Therefore it’s one of the most known songs even today. After Freddie Mercury’s death in 1991 it became the number one on the charts for five weeks. The intro The song starts with a cappella harmonies and describes confusion between reality and fantasy. When the piano starts Freddie Mercury starts singing “easy come, easy go, little high, little low” which embraces the dreamy atmosphere. By the end of the intro the famous cross handed piano starts in the key of Bb. The ballade The lyrics starts with a guy who’s telling his mom that killed a man with a gun which he truly regrets and by doing so he’s ruined his life. He tells her to move on as if nothing really matters and perhaps he should take charge of his own life. When he mentions that it’s time for him to face to truth and he doesn’t want to die it’s almost as if someone else is going to be responsible for his life. He’s coming clean with the things he’s done in the past. In this section, where he confesses, the music has a kind of sad tune and we can feel how depressed he is. The piano still continues the same pattern throughout the first stanza but with some small changes. Disregarding the lyrics, one can easily hear Freddie Mercury’s voice getting...
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...generation. A bunch of us were singing in a bar recently! It seems like even if you don't like the tune, you still know the words -- even the word "Scaramouche". Even though it was released in 1975, Queen's Freddie Mercury started working on the song in 1968. The original title was "The Cowboy Song" (Chester, 2015). He carried in his head and on a lot of scraps of paper. According to Brian May, no demo was recorded (Savage, 2015). He also said that as a rock band, it was exciting to go full tilt. Brian didn't write that riff -- Freddie wrote it on piano. In the early to mid '70s, Progressive Rock was reaching its zenith with bands like Yes and Genesis. Queen had already embraced progressive rock as one of their many influences. "Bohemian Rhapsody" parodies many different elements of opera by using bombastic choruses, sarcastic recitative and distorted Italian operatic phraseology("Bohemian Rhapsody,"Wikipedia). An embryonic version of this style had already been utilized in Mercury's earlier compositions "My Fairy King" (1973) and "The March Of The Black Queen" (1974). Queen started the recording process on August 24th, 1975 after three weeks of rehearsal. During the recording, the band used a total of five studios. Brian May, Freddie Mercury and Roger Taylor reportedly sang their vocal parts repeatedly for 10 to 12 hours a day. Some sections featured 180 separate overdubs and it took another three...
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...were Monsiuer Loisel,Will you give everything to your wife ? yes or no ? why ? ( If I were Monsiuer Loisel I will not give everything because im trying the best I can but my wife still not contended . B. If you were Awiyao , will you leave your wife for culture? or will you leave culture for your wife ? ( I will leave my culture for my wife because she is my happiness and she is my everything . C. If you were Lumnay will you fight for your love? Or will you let go of your husband for culture ? ( if I were Lumnay I will fight for my love because culture is just a way of life , love is for lifetime so if we love each other I will choose love. III-What message/s can you get from the following songs? Explain. Anak by Freddie Aguilar ( We should love and love our mother and father because they sacrificed for us for a long time and we should listen to them because they know what’s best for us. ( Make it happen By Mariah Carey ( We should be strong all time because we don’t know what future brings so believe in your self have faith In God. ( Heal the World by Michael Jackson ( We should love our environment take care of them so that we will have a better place ( IV-What Lessons In Life Have You learned from the following narratives: A.The Prodigal Son ( Enjoy life but know your limitations , don’t be greedy and listen to your father. B.The Necklace ( Be contended for what you have. C.The Cask of Ammontilado ( revenge can be...
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