...Running Head: CLEAN UP THE HOUSE 1 Clean Up the House: An Analysis of the Housing Crisis and the Endeavor to Lift the US Housing Market Neil Smith Wilmington University MBA 6400 Economic and Financial Environment of Business CLEAN UP THE HOUSE 2 ABSTRACT This is an inquiry of the Housing Crisis that culminated to the Great Recession of 2007-2009. A review of the aspects that led to the Housing Crisis will be considered. The causes that contributed to the Housing Crisis will range from the Community Reinvestment Act of 1977 to the greed and voracity that engulfed the Financial Markets. Such greed maligned the financial markets causing eventual bailouts and measures that the US Federal Government employed to avert a major financial depression. This paper will discuss definite recommendations that will improve the US Housing Market. CLEAN UP THE HOUSE 3 Clean Up the House: An Analysis of the Housing Crisis and the Endeavor to Lift the US Housing Market In today’s world it is generally accepted that a home is the most expensive thing that any American can buy. The idea of home ownership - a chance to own a home - is a dream fulfilled for many. To have a piece of property and call it your own is reflected...
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...members and the spirited PTA Officers. J & M: ladies and gentlemen, good evening! Welcome to the search for MISS SSG 2011-2012 and the induction ceremony of Tugdan National High School. M: as we commence this momentous event, may I request everybody to rise for a soul warming doxology to be lead by selected students. J: please remain standing for the Philippine National Anthem to be conducted by Mrs. Rachel Fesalbon. M: the world is proud of having its great leaders. From ancient times up to present, good leaders foster the rest of the world to stand firm, to dream big and to take the highest flight man could ever take.. good leaders prepare people to survive the realities of life !ladies and gentlemen, let us hear from our loving Madam Melicia Galicia for her opening remarks. : and at this moment, may I call on Mr. Christian Solidum to introduce the board of judges for tonight’s affair. J: thank you sir! And now let us all welcome our candidates in their production number. J: now, we have the induction ceremony of the newly elected SSG Officers who will be presented by Mr. Randy A. Musa, SSG Adviser and to be inducted by Hon. Herman Galicia, ABC President.. may I request all the officers to come on stage. M: folks, let us be entertained as the selected students set on stage in their modern dance presentation. : thank you guys!! J: ladies and gentlemen, a big round of applause to the candidates in their fashionista...
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...home after the previous governess died. Douglas begins to read from the written record, and the story shifts to the governess’s point of view as she narrates her strange experience. The governess begins her story with her first day at Bly, the country home, where she meets Flora and a maid named Mrs. Grose. The governess is nervous but feels relieved by Flora’s beauty and charm. The next day she receives a letter from her employer, which contains a letter from Miles’s headmaster saying that Miles cannot return to school. The letter does not specify what Miles has done to deserve expulsion, and, alarmed, the governess questions Mrs. Grose about it. Mrs. Grose admits that Miles has on occasion been bad, but only in the ways boys ought to be. The governess is reassured as she drives to meet Miles. One evening, as the governess strolls around the grounds, she sees a strange man in a tower of the house and exchanges an intense stare with him. She says nothing to Mrs. Grose. Later, she catches the same man glaring into the dining-room window, and she rushes outside to investigate. The man is gone, and the governess looks into the window from outside. Her image in the window frightens Mrs. Grose, who has just walked into the room....
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...character? To what extent is her final protest justified? How do the other characters portray themselves by their attitudes toward the ritual? Mrs. Tess Hutchinson stands out right from the start: she arrives at the lottery late. She explains to Mr. Summers that she was doing her dishes and forgot what day it was. The town treats her lateness lightly, but several people comment on it, “in voices just loud enough to be heard across the crowd, ‘Here comes your Missus, Hutchinson,’ and ‘ Bill, she made it after all.’” (Jackson 501). It is ironic that she is the one who wins the lottery, and is fated to be stoned. So Tess Hutchinson has already been noticed by people as one who is not entirely part of the group. Before the drawing she is friendly with the other women, pretending to be pleased to be present. The very moment that she sees is her family that draws the black dot, though, her egotism is evident. “You didn’t give him time enough to take any paper he wanted. I saw you. It wasn’t fair!” (Jackson 504). She continues to scream about the unfairness of the ritual up until her stoning. Mrs. Hutchinson knew the lottery was wrong, but she never did anything about it. She pretends as much as she could to enjoy it, when she truly hated it all along. Maybe Jackson is suggesting that the more hypocritical one is, the more of a target they are. Mrs. Hutchinson was clearly the target of her fears. I think sometimes we have no problem remarking on people’s adultery until it is ourselves that...
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...May I beg that you will write at once to the mother of this unfortunate woman--to Mrs. Catherick--to ask for her testimony in support of the explanation which I have just offered to you?" I saw Miss Halcombe change colour, and look a little uneasy. Sir Percival's suggestion, politely as it was expressed, appeared to her, as it appeared to me, to point very delicately at the hesitation which her manner had betrayed a moment or two since. I hope, Sir Percival, you don't do me the injustice to suppose that I distrust you," she said quickly. "Certainly not, Miss Halcombe. I make my proposal purely as an act of attention to YOU. Will you excuse my obstinacy if I still venture to press it?" He walked to the writing-table as he spoke, drew a chair to it, and opened the paper case. "Let me beg you to write the note," he said, "as a favour to ME. It need not occupy you more than a few minutes. You have only to ask Mrs. Catherick two questions. First, if her daughter was placed in the Asylum with her knowledge and approval. Secondly, if the share I took in the matter was such as to merit the expression of her gratitude towards myself? Mr. Gilmore's mind is at ease on this unpleasant subject, and your mind is at ease—pray set my mind at ease also by writing the note." "You oblige me to grant your request, Sir Percival, when I would much rather refuse it." With those words Miss Halcombe rose from her place and went to the writing-table. Sir Percival thanked her, handed her a...
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...He went to where Miss Mijares sat, a tall, big man, walking with an economy of movement, graceful and light, a man who knew his body and used it well. He sat in the low chair worn decrepit by countless other interviewers and laid all ten fingerprints carefully on the edge of her desk. She pushed a sheet towards him, rolling a pencil along with it. While he read the question and wrote down his answers, she glanced at her watch and saw that it was ten. "I shall be coming back quickly," she said, speaking distinctly in the dialect (you were never sure about these people on their first visit, if they could speak English, or even write at all, the poor were always proud and to use the dialect with them was an act of charity), "you will wait for me." As she walked to the cafeteria, Miss Mijares thought how she could easily have said, Please wait for me, or will you wait for me? But years of working for the placement section had dulled the edges of her instinct for courtesy. She spoke now peremtorily, with an abruptness she knew annoyed the people about her. When she talked with the jobless across her desk, asking them the damning questions that completed their humiliation, watching pale tongues run over dry lips, dirt crusted handkerchiefs flutter in trembling hands, she was filled with an impatience she could not understand. Sign here, she had said thousands of times, pushing the familiar form across, her finger held to a line, feeling the impatience grow at sight of the man...
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...Contact Information for Teaching Staff at Thomas Knyvett College If you email a member of staff please allow 48 hours for a response. If it is an urgent matter please contact a member of the SLT or your son/daughter’s House Leader. Senior Leadership Team Mrs Miss Mr Mr Mr Miss Mrs Mrs Mrs Miss Miss Mr Mrs Mrs Ms Mr Mrs Mrs Mrs Miss Miss Miss Miss Mrs Mr Miss Mrs Miss Miss Mr Ms Ms Mrs Mrs Miss Mrs Mrs Miss Mr Mrs Mr Mrs Mrs Miss Miss Miss Ms Miss Miss Miss Mrs Janise Farrah Andrew Sheldon Chris Freya Claire Valerie Inma Seema Allison Adam Sian Kapila Theresa David Aimi Correen Jackie Emma Tanya Joann Alison Rachel Nick Abigail Wendy Lauren Isobel Andy Megan Mazie Carolyn Priscilla Preetpal Gurinder Sian Emily Steven Christine David Susan Vanessa Hayley Jean Azmari Linda Laura Nicole Hayley Tanya Marillat Thantrey Ward Snashall Bellamy Oliver Parsons O’Keeffe Alvarez Balrai Bates Belbin Bolsh Chalisgaonkar Chambers Chapman Curtis Danks Dillaway Edge Ellis Epps Fairclough Foley Fowler Frith Grantham Jankowski John Knott Lister Lloyd-Smith Manwaring Naicker Nashad Oberai Reeve Razzell Ratsakatika Reilly Retsinas Rowntree Russell Sculpher Semadeni Shikder Strachan Thomas Vernon Warren Zaheer JMa FTh AWa SSn CBe FOL CPa VOk IAL SBa ABa ABe SBo KCh TCh DCh ACs CDa JDi EEd TEl JEp AFa RFo NFo AFr WGr LJa IJo AKn MLi MSm CMa PNa PNd GOi SRv ERa DRa CRe SRe SRe VRu HSc JSe ASh LSt LTh NVe HWa TZa Head of School Deputy Head Assistant Head Assistant Head Cross Phase Assistant Head Partnership...
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...Article 86 of the Uniform Code Of Military Justice. This Article covers Point and Place of Duty. That means from PT formation to COB that is where you will be. What a lot of Soldiers do not understand that includes appointments made by them or someone else. We have appointment times, SP times, formation times and many other start times that dictate we will be there. If a Convoy has an SP time of fifteen hundred hours and the Soldiers decide to show up late because they did not feel like getting ready on time people could die. If they rolled out on time, they may have avoided the ambush or avoided the Vbid that hit them in the bottleneck. It sounds extreme but time management plays a critical role in the Army. When you make an appointment that spot has been reserved for you. That means if you have been given the last slot someone else is going to have to wait for another one to open up. This could be one day or one month. And because you missed it someone else is still going to have to wait when they could have had that spot and been there. If you are going to miss the appointment or cannot make it due to mission they do allow us to cancel the appointment with in twenty four hours. The Army allows us to make appointments for whatever we need. Be it for a medical appointment, house goods, CIF, Smoking Sensation or whatever we need these recourses are available to us. But when Soldiers start missing appointments theses systems start to become inefficient. What a lot of Soldiers do...
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...THE VIRGIN by Kerima Polotan Tuvera 1) He went to where Miss Mijares sat, a tall, big man, walking with an economy of movement, graceful and light, a man who knew his body and used it well. He sat in the low chair worn decrepit by countless other interviewers and laid all ten fingerprints carefully on the edge of her desk. She pushed a sheet towards him, rolling a pencil along with it. While he read the question and wrote down his answers, she glanced at her watch and saw that it was ten. "I shall be coming back quickly," she said, speaking distinctly in the dialect (you were never sure about these people on their first visit, if they could speak English, or even write at all, the poor were always proud and to use the dialect with them was an act of charity), "you will wait for me." As she walked to the cafeteria, Miss Mijares thought how she could easily have said, Please wait for me, or will you wait for me? But years of working for the placement section had dulled the edges of her instinct for courtesy. She spoke now peremtorily, with an abruptness she knew annoyed the people about her. When she talked with the jobless across her desk, asking them the damning questions that completed their humiliation, watching pale tongues run over dry lips, dirt crusted handkerchiefs flutter in trembling hands, she was filled with an impatience she could not understand. Sign here, she had said thousands of times, pushing the familiar form across, her finger held to a line, feeling...
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...Imagine riding dirt bikes and racing against people from different states. Zac Dziedzickie has been doing this since he was five. At sixteen years old, Zac Dziedickie has always had a passion for racing. Zac is a junior at Hempfield Area Highschool and the person that I had interviewed. While interviewing Zac, I learned a lot about his family life, school activities, and personality traits. While interviewing Zac, I learned that his family life is super fascinating. Zac is sixteen years old, He was born May 23rd in Pittsburgh Pennsylvania. He was been living in Greensburg for his whole life. Zac also told me that he has siblings, two to be exact. He has a 17 year old sister named Emily, and a 7 year old sister named Anna. The last thing Zac and I talked about while discussing his family life was his pets. Zac has two adorable pets, he has a husky named Casper, and a tabby cat named Misty. Not only did Zac tell me about his family, but he also discussed his school activities. Zac has went to hempfield all his life. He went to Wendover Middle School. His favorite teacher in middle school was Ms. Mikesic because she had always gotten him out of trouble. One of the funniest things that Zac witnessed in school was seeing someone trip over their own feet. His favorite thing about school is talking to friends, and his least favorite thing about school is waking up early. When Zac graduates high school, he wants to go to college and pursue in the welding field. Ten years from now Zac...
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...was a member of the “Kissy girls”, whose job was to hunt boys down and kiss them till they screamed. Another hobby was to collect snakes and lizards. She even had a favourite lizard, called Vladimir. Later she was a student at Beverly Hills High School far from being beautiful. She wore braces, glasses and was painfully skinny. So the students teased her but they didn’t know that she had an impressive collection of knives. Her movie career At the age of seven she appeared in her first movie but her breakthrough came with Girl, Interrupted. It followed her big hit: her role in Tomb Raider, where she had to master a British accent. She had to become familiar with kick-boxing, street-fighting, yoga and ballet. In 2005 she released Mr. and Mrs. Smith, where she and Brad Pitt starred as a bored couple. Now she is married with Brad Pitt and although she is committed to motherhood she does charitable work...
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...When most people see the name Angelina Jolie they only think of the talented actress, the significant other of Brad Pitt or the celebrity with the very diverse children but she is so much more than that. Since 2001 Jolie has been working alongside the United Nations High Commissioner for Refugees to bring awareness to the unfortunate situations of refugees from around the world. She has traveled to and volunteered in many third world countries such as; Sierra Leone, Cambodia, Costa Rica, Iraq and North Caucasus. In addition to this, she along with Brad Pitt founded the Jolie-Pitt foundation which is dedicated to eradicating extreme rural poverty, protecting natural resources and conserving wildlife. This foundation also donates to many other humanitarian groups, one being Doctors without Borders. In 2009 Angelina Jolie gave the opening speech for a World Refugee Day event being held at the National Geographic Society headquarters in Washington D.C. Throughout this speech Jolie concentrates not on the horrible conditions that refugees endure but on the spirit that they have from being in these situations. When speaking to millions of Americans she doesn’t rely on facts or statistics but instead she uses anecdotal evidence, visualization and pathos to get her point across. The purpose of this speech is not to persuade but to inform the people of America about the amazing people she has met while traveling to third world countries. Furthermore, she is trying to show people that...
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...When most people see the name Angelina Jolie they only think of the talented actress, the significant other of Brad Pitt or the celebrity with the very diverse children but she is so much more than that. Since 2001 Jolie has been working alongside the United Nations High Commissioner for Refugees to bring awareness to the unfortunate situations of refugees from around the world. She has traveled to and volunteered in many third world countries such as; Sierra Leone, Cambodia, Costa Rica, Iraq and North Caucasus. In addition to this, she along with Brad Pitt founded the Jolie-Pitt foundation which is dedicated to eradicating extreme rural poverty, protecting natural resources and conserving wildlife. This foundation also donates to many other humanitarian groups, one being Doctors without Borders. In 2009 Angelina Jolie gave the opening speech for a World Refugee Day event being held at the National Geographic Society headquarters in Washington D.C. Throughout this speech Jolie concentrates not on the horrible conditions that refugees endure but on the spirit that they have from being in these situations. When speaking to millions of Americans she doesn’t rely on facts or statistics but instead she uses anecdotal evidence, visualization and pathos to get her point across. The purpose of this speech is not to persuade but to inform the people of America about the amazing people she has met while traveling to third world countries. Furthermore, she is trying to show people that...
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...Welcome to the life of Neil Young. Neil has done a lot in his life, some of the things were bad and some were good. Even after Neil started his career as a musician, he still decided to do good things for other people. Neil Young has been in several bands, but none satisfied him, so he decided to go onto a solo career instead. He had some accomplishments in his life; also he did a lot of good deeds for charities and everyday people. Before Neil Young got into a big band he was in some little bands, like The Squires and CSN&Y. Neil Young got into the band, The Squires, when he moved to Winnipeg, Saskatchewan (Lowe, 2004). The Squires had only one minor hit called “The Sultan” (Schnider and Schwartz, 2014). Other than The Squires Young was in a band called CSN&Y. The way this band was made was when Neil Young, David Cosby, Stephen Stills, and Graham Nash made a quartet. After Young joined them he started out as only a support member, then he became part of the band officially (Lowe, 2004). CSNY&Y had some popular songs, like “Ohio,” “Woodstock,” “Find the Cost of Freedom,” and “Almost Cut My Hair.” CSN&Y had a very bitter and not long time together, their time together only lasted 2 years (biographical dictionary of popular musicians). Young also was in a band called Pearl Jam. While in this band Young got the...
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...song, 2112 (pronounced, twenty-one twelve), was written by the band, Rush. Rush is composed of three members; Alex Lifeson, Geddy Lee, and Neil Peart. The band originated in Canada in the year 1974. They quickly moved to the United States where they became one of the most popular bands in their era. Alex plays the guitar, Geddy plays the keyboards and bass while singing, and Neil Peart plays his massive drum-set and writes the band’s lyrics. In 1976, Rush came out with their fourth album, 2112—this album is often referred to as “Rush’s break-through album”. This album might possibly feature Rush’s greatest song ever composed, 2112. This song is based in the year 2112, and takes place at “The Temples of Syrinx”, which is where many priests live their lives. These priests do not believe in individualism, they believe they are all equal. All the priests that live at this temple are banded together under the Red Star of the Solar Federation. One day, one of these priests finds a guitar. He learns to how to play this guitar and shows the other priests, even though guitars have been banished from the temple for decades. The high priest thinks the guitar is evil and that it had destroyed the older generations of mankind. The high priest destroys the guitar. The 2112 album cover is seen as a red pentagram with a naked man on it, but Neil interprets the red star being the evil red star of the Solar Federation and the naked man is the pure, abstract man against the mass. Rush’s...
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