...little TLC, or on the other hand major renovations, the price can sometimes be steep when calculating the costs toward a home’s successful finish. The FHA 203k loan mortgage was created and intended for this very purpose; for the perfect fixer-upper. Not only will the home be discounted compared to homes on the market for sale, but the great purpose of this mortgage program also provides opportunities for home ownership expansion across San Antonio, TX. We take all the positives into consideration, including the opportunity for an entire community in the area. This could mean the ability to revitalize a full neighborhood through 203k FHA loan programs. It’s a winning situation for everyone involved. Gold Financial 203k FHA Loan Types: Regular vs. Streamlined Regular 203k loans are intended for all types of structural repairs or alterations on a home and any new additions that you may want to add to it. There is a minimum requirement for the loan, which will be an investment of around $5,000 to start off with and are basically intended for homes needing a lot of work. The streamlined has a maximum loan amount of $35,000, and regular FHA 203k may exceed that amount. A few examples of what would be eligible under a Regular FHA 203k loan would include: • Modernization encompasses some of the major remodeling projects in a home such as the update of rooms like kitchens or bathrooms, the installation of appliances such as refrigerators, dishwashers, microwave-ovens and washer/dryers, big...
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...Renting Vs. Homeownership Jasmyn Gould ECPI University Online Thesis: Most people would either like to rent or become a homeowner, but there are several factors that need to be address before making the decision; these reasons include financial status, lifestyle, tax deductions, privacy, commitment, savings, utility cost, and a whole lot of research. Today’s housing market is on the rise, so this is the time to jump in or is it? You are probably asking, what advantages do I have if I purchase a home or rent? What would be better for me financially? It is important to know some facts of renting vs. homeownership before making such an important decision. Homeownership is not for everyone. I believe it’s up to the individual if they want to rent or buy. In some cases people are just better off renting. Before buying a home, it’s important to consider how that purchase will affect your finances and your lifestyle. Homes typically increase in value by allowing you to build equity in it, which will offer an investment for the future. Every time a mortgage payment is made, it is applied to your balance which reduces the loan that was taken out. Your monthly costs are usually more predictable and more stable than renting because they’re ideally based on a fixed-rate mortgage. Which means, the monthly amount of your mortgage will not increase for the duration of the loan. An article from TurboTax said (2013), “You know that you can get an income tax deduction on the mortgage...
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...Conducting A Home Inspection Direction: List several items to consider when doing an inspection before deciding to buy a home. Exterior Facilities: • Is the exterior of the home maintained? • Look at the structure of home. Is it straight? • Look for cracks and rotting. Exterior Construction: • Make sure driveway and gutters lead away from the home. • Is the yard well maintained? • Driveway cracks? Sideway cracks? Interior Construction: • Doors open and close securely. • Bathroom tiles are not rotting (a lot of money to fix). • Railings and banisters are secure (not wiggly) Interior Design: • A good view. • Basement. • Backyard privacy. What appeals to you? What doesn’t? Directions: Collect ads that you like and dislike, both in papers and TV. Pay attention to Facts Vs Unsupported claims in the ads. 1. What do you like about the ads you collected? • They had a bit of comedy in it. • Very logical 2. What did you dislike about the ads you collected? • Unclear of what they were trying to advertise. • Boring colors. 3. What do you like about the TV commercials you have seen? • Entertaining • Had a hint of truth. 4. What do you dislike about the TV ads you have seen? • Had my emotions confused. Selling chocolate or a spray? • Did not fully catch my attention. Examples of Fraudulent or misleading Advertisements 1. Describe your examples of fraudulent or misleading...
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...Name: Tram Dang Level: 112 Civil War: Brother vs. Brother How do people feel when they fight with their brothers or their family members? How do they feel when they hurt or lose any part of their body? Do they feel good? Those are exactly the things that the sniper in Liam O’Flaherty’s story has to suffer. Liam O’Flaherty was a great Irish novelist and short story writer. In his story “The Sniper”, which is about the civil war between Republican and Free Starters in Ireland, the main character has to shoot and gets shot by another sniper who is actually his own brother. By telling this story, O’Flaherty wants to show everybody the huge destruction of wars, especially civil wars. The first part of war destruction is the human mental state. In the war, human feelings are not stable. They change into different moods every second from happy to sad, from eager to angry, from callous to sensitive. The obvious reason for this is killing or being killed, shooting or getting shot. The sniper doesn’t have any choice, but to fight for his life. “[H]is eyes had the cold gleam of the fanatic. They were deep and thoughtful, the eyes of a man who is used to looking at death” (par.2). Although he is described as an experienced killer, which means that he has observed death many times before, his mental state still changes differently and unpredictably after killing his enemy. “The lust of battle died in him. He became bitten by remorse. The sweat stood out in beads on his forehead […]...
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...concept home by drawing random things, such as a cow (McCloud, pg. 26), but reminds the reader that it is technically not a real cow. It is just an image. In Maus, Spiegelman’s characters are icons; he utilizes everyday, commonplace animals to represent the humans in the plot. The type of animal portrayed is dependent on the nationality of the human being resembled. The Jewish characters, such as Vladek and Art, are depicted as mice (pg.11, top left panel), the Polish are drawn as pigs (pg.28, bottom panel), the Germans are cats (pg. 33), and the Americans are dogs (pg. 125, bottom right). These animalistic icons aid the reader in clearly distinguishing between the different groups of character, establishing a prevalent a motif of predator vs. prey, as well as revealing common traits of each group. Abstraction is the process of breaking down an image to a more simple form, allowing the viewer to focus on specific details. Spiegelman strategically uses abstraction in his style when drawing his characters. In Maus, this abstraction makes the gruesome subject matter more bearable to read and view. If Spiegelman included realistic depictions of what the Nazis did to the Jews, many readers would probably not make it through the book. Instead, when Spiegelman is depicting a violent encounter between the Nazis and Jews (pg.108, bottom left panel), he utilizes a darker, less detailed style. Thus,...
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...fuming with fury to an uncontrollable urge to take action NOW or the earth may stop swinging on its axis. These are what I call High Emotion Words And these are capable of transforming an absolute no into almost yes and a “perhaps” into “for sure”! Because it isn’t really about your desired action, but the underlying emotion that drives that action. If you get them to feel that emotion, you GOT ‘em. When you are trying to sell people a solution, what you are REALLY doing is evoking desire by making them imagine their best possible future with your solution. When you are trying to get them to take an action (like, share, subscribe, buy) what you are REALLY trying to do is arouse them (not THAT way… get your mind of the gutter please) to make it impossible for them NOT to take an action. When you are trying to get people to click and read your article, what you are REALLY doing is trying to evoke curiosity so fierce that it claws at the minds of a casual browser and forces him to click that link and read that piece. When you are trying to get someone to agree with you, what you are REALLY doing is trying to evoke empathy so they see your point of view. So what are these high emotion words that can work this magic? Glad you asked. I have compiled a list of 380 words that are proven to induce certain emotions (both negative and positive) and that I strongly encourage you use in your online (and offline) communications to get your prospect to take...
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...1 2 Lets Go to the Movies: Crime is big on the silver screen and the tube as well. Here you need to choose two criminal justice –related movies, which you have seen to compare and contrast them both: In this essay I will compare the similarities and contrast the differences between two crime film openings. I will be comparing The Next Three Days' and 'The Hurricane'. I will analyze the two film openings and see how they establish their own crime film genre. Genre is a way of categorizing a film. From genre, producers are able to market their films to a target audience. With some films it is difficult to categorize them as a certain genre as they may contain more than one genre. A hybrid genre is a film, which contains more than one genre. An example of a hybrid genre is 'All about the Benjamin’s' the genres in this film are comedy, romance, crime and also drama. Most films nowadays are hybrid genre as they appeal to a larger audience. These films contain both genre of drama, romance, crime, suspense, and “wrongly accusations”. A glimpse of each movie: (1) The Next Three Days: This movie stars “just to name a few” Russell Crowe as John Brennan, Elizabeth Banks as Lara Brennan, Brian Dennehy as George Brennan, and Lennie James as Lieutenant Nabulsi. This movie is about a women by the name of Lara Brennan (Banks) which is convicted of murdering her boss after an altercation at work and after a trial is sentenced to life...
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...CHAPTER ONE INTRODUCTION BACKGROUND The restaurant industry consists of restaurants, bars, and other away-from-home eating facilities. The National Restaurant Association (NRA), an industry trade group based in Washington, D.C., estimated that industry sales in 2001 totaled $399 billion and predicted that industry sales will hit $576.9 billion by 2010. According to the National Restaurant Association (1999), an estimated 844,000 establishments offered prepared food in the United States in 2001 and the number of restaurants in the U.S. is forecasted to increase to 1,001,305 by the year 2010 (Figure 1.1). 1200 1000 1000 831 800 577 600 400 376 200 0 Sales (billions) Locations (thousands) 2000 2010 Source: National Restaurant Association (1999) Figure 1.1 Restaurant Industry Sales and Locations 1 There are a variety of possible locations for restaurants including a freestanding unit, located in shopping mall outlet, food court, or a multiple concept unit within an existing facility designed for another business such as a gas station and convenience store. It may be leased space, a building the retailer purchases, or a new structure built to specification. Each has its own advantages and disadvantages for specific types of restaurants (James, Walker, and Etzel, 1975; McGuire, 1993; Powers, 1997; Hsu and Powers, 2002). The cost of land, lease expenses, and building varies with the location of the restaurant. Metropolitan...
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...and say, "Jesus, Son of David, have mercy on me!" And many rebuked him, telling him to shut up. But he cried out all the more, "Son of David, have mercy on me!" And Jesus stopped and said, "Call him." And they called the blind man, saying to him, "Take heart; rise, he is calling you." And throwing off his mantle he sprang up and came to Jesus. And Jesus said to him, "What do you want me to do for you?" And the blind man said to him, "Master, let me receive my sight." And Jesus said to him, "Go your way; your faith has made you well." And immediately he received his sight and followed him on the way. Learning the Story Verbal Threads "Jericho." The first episode is tied together by Jericho: "He came to Jericho"/"as he was leaving Jericho" (vs. 46). "Cried out…'Son of David, have mercy on me.' " The first sentences in the episodes of Bartimaeus's crying out for Jesus have this extensive verbal thread (vss. 47-48). 69 Story Journey: An Invitation to the Gospel...
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...Beta Edition CSS3, HTML5, and an introduction to the behavior Layer Daniel Deverell HTML Updated June 4, 2012 1 In this course you will come to know and understand basic HTML. The following HTML constructs will be used. Paragraph / Sentence
Pellentesque habitant morbi tristique senectus et netus et malesuada fames ac turpis egestas.
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...Amending our Terms of Use: Please comment on a proposed amendment regarding undisclosed paid editing. close V. S. Naipaul From Wikipedia, the free encyclopedia page is in the middle of an expansion or major revamping This article or section is in the process of an expansion or major restructuring. You are welcome to assist in its construction by editing it as well. If this article or section has not been edited in several days, please remove this template. This article was last edited by Fowler&fowler (talk | contribs) 0 seconds ago. (Purge) V. S. Naipaul VS Naipaul BBC.jpg Born Vidiadhar Surajprasad Naipaul[nb 1] 17 August 1932 (age 81) Chaguanas, Trinidad and Tobago Occupation Novelist, travel writer, essayist Nationality Trinidadian, British Genres Novel, Essay Notable work(s) A House for Mr. Biswas In a Free State A Bend in the River The Enigma of Arrival Notable award(s) Booker Prize 1971 Nobel Prize in Literature 2001 Spouse(s) Patricia Ann Hale Naipaul (1955–96) Nadira Naipaul Vidiadhar Surajprasad Naipaul (/ˈnaɪpɔːl/ or /naɪˈpɔːl/; b. 17 August 1932), is a Trinidad-born Nobel Prize-winning British writer known for the comic early novels of Trinidad, the later, bleaker, novels of the wider world, and the vigilant chronicles of his life and travels, all written in widely admired prose.[1] Naipaul has published more than 30 books, both of fiction and nonfiction, in a career spanning more than 50 years. Naipaul married Patricia...
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...VIDEO GUIDE Advertising: Principles and Practice, 8th Edition Moriarty/Mitchell/Wells Segment 1: AFLAC Summary That wacky, quacky duck brought AFLAC to a high spot among most-recognizable ads and brand names. The insurance company is growing quickly as a result of this greater name recognition. It achieved 89 percent brand recognition in a relatively short time, resulting in $10 billion in sales and about a 25 percent compound growth rate. AFLAC had spent millions of dollars on advertising with little or no effect and almost no market awareness. Clearly, the current strategy was not working. This led the management team to decide to try something bold to increase market awareness. The advertising agency came up with many different ideas, but one crazy one—a duck. AFLAC tested the ad concepts and, as we know today, the duck yielded the highest results. The goal of advertising is to create awareness, while the actual sale comes from the agents selling the complicated insurance products. Discussion Questions 1. What other industries, products, or brands have used humor in advertising to help position themselves in the marketplace? Do you think the strategies have worked? Where wouldn’t humor work? Humor wouldn’t work all that well with serious purchases (e.g., health), but one might think it wouldn’t have worked with something as serious (boring?) as insurance. Might that be because the humor is associated only with the name and not the insurance company’s attributes...
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...Water – The India Story March 23, 2009 1 Table of Contents Summary Global Water Situation – A Snapshot Water in India Innovative Water Management Initiatives 2 Freshwater rich regions across the globe are projected to face water scarcity if current reserves are not managed effectively Global Freshwater Scenario Global Freshwater reserves are rapidly depleting and this is expected to significantly impact many densely populated areas of the world Low to middle income developing regions as well as highly developed countries will face water stress in the future, unless existing water reserves are managed effectively • Although low and middle income developing countries currently have low per capita water consumption, rapid growth in population and inefficient use of water across sectors is expected to lead to a water shortage in the future • Developed countries traditionally have high per capita water consumption and need to focus on reducing their consumption through improved water management techniques and practices By 2025, India, China and select countries in Europe and Africa will face water scarcity if adequate and sustainable water management initiatives are not implemented Freshwater Situation in India Traditionally, India has been well endowed with large Freshwater reserves, but the increasing population and overexploitation of surface and groundwater over the past few decades has resulted in water scarcity in some regions ...
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...Top of Form Introduction The utilization of resources and generation of waste is for beyond the limit that the biosphere was made to carry. Infact, man today is caught in the vicious circle of increasing wants, declining resources and increasing waste being generated by the industries and municipalities is posing a problem of enormous dimensions. The domestic and industrial effluents are contributing in enhancing this problem. It might become the biggest problem if it is not dealt with immediately . Industrial Waste The term industrial waste is generally understood to refer specifically to the liquid waste produced as a result of some industrial operation, as distinct from an industry’s solid refuse or its gases, fumes and vapors. Like municipal sanitary sewage, most of such liquids must ultimately be disposed of into rivers or other water courses. The liquid wastes of a community, whether domestic sewage or industrial wastes, should receive appropriate treatment before discharge into streams in order to prevent gross pollution. The treatment methods for domestic sewage are based on a fundamental and growing body of knowledge. These methods, however, are not suitable for industrial wastes, which are quite varied in character. Frequently anew industrial process development will produce a waste that is not amenable to treatment by any of the conventional methods. For such wastes, laboratory investigations followed by pilot-plant studies must precede final design of treatment...
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...Magic: The Gathering Comprehensive Rules These rules are effective as of July 17, 2015. Introduction This document is designed for people who’ve moved beyond the basics of the Magic: The Gathering® game. If you’re a beginning Magic™ player, you’ll probably find these rules intimidating. They’re intended to be the ultimate authority for the game, and you won’t usually need to refer to them except in specific cases or during competitive games. For casual play and most ordinary situations, you’ll find what you need in the Magic: The Gathering basic rules. You can download a copy of the basic rules PDF from the Wizards of the Coast® Magic rules website at Magic.Wizards.com/EN/Rules. If you’re sure this is where you want to be, keep reading. This document includes a series of numbered rules followed by a glossary. Many of the numbered rules are divided into subrules, and each separate rule and subrule of the game has its own number. (Note that subrules skip the letters “l” and “o” due to potential confusion with the numbers “1” and “0”; subrule 704.5k is followed by 704.5m, then 704.5n, then 704.5p, for example.) We at Wizards of the Coast recognize that no matter how detailed the rules, situations will arise in which the interaction of specific cards requires a precise answer. If you have questions, you can get the answers from us at Wizards.com/CustomerService. Additional contact information is on the last page of these rules. In response to play issues and to...
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