Study "Urban Studies / City Planning / Housing" Essays 331-385

X Filters 

Property Management in Real Estate Business Proposal

… Property Management

In real estate one of the basic foundations of the business, is being able to understand the income stream for the property into the future. As this will tell you how the underling investment will perform during this time. In the case of the Jefferson Center, it is going through a unique transformation, with a number of large corporations relocating to nearby properties (such as: Blue Cross / Blue Shield and Niagara Mohawk). This is important, because once this kind of economic development begins to occur, is when the value of the property can increase dramatically along with the gross income. To determine the impact on the Jefferson Center requires: conducting an analysis of the potential value of the property and the income stream (for a holding period ending in 2015). This will be accomplished by: examining the expected net operating income, estimating the property value (based on the income stream), various physical plant issues facing the property, if the estimates are reasonable, the before tax gain from a possible sale and the benefits from selling the property in the next five years. Together, these different elements will provide the greatest insights, as to the possible income and growth potential of the Jefferson Center.

Expected Net Operating Income

Despite the recent recession that has taken place, the Jefferson Center has been able to withstand the implosion in prices. Given the fact that they are located in a major area of redevelopment and the city has been focusing on the connective corridor, means that the entire area will experience long-term price appreciation. The connective corridor is where the city and Syracuse University are purchasing / developing the various downtown properties (for renovation through a community organizations). ("Impressive in Syracuse," 2009) This approach is important, because it has helped the city to be able to revitalize the downtown area, despite the changes that are taking place in the economy. When you compare this to the net operating income, it is clear that the building is 80% full (with 16 out 20 units leased). This means that the net income could be somewhat volatile over the next five years, as it would range from: $312,781.40 to $419,235.09. The below table illustrates the net annual operating income for each of the next five years.

Net Operating Income

Net Rental Income

Year

Income

2011

$391,000.00

2012

$443.406.00

2013

$449,000.00

2014

$319,489.00

2015

$394,456.00

Expenses

2011

2012

2013

2014

2015

Op. Expenses

$6,476.10

$6,670.38

$6,870.49

$7,288.90

$7,520.10

Insurance

$450.00

$472.00

$496.12

$520.93

$546.97

Taxes

$1,680.00

$1,750.08

$1,785.80

$1,821.50

$1,857.94

Ten. Improve

$49,000.00

$10,400.00

$0.00

$17,300.00

$48,150.00

Broker Fee

$20,612.50

$20,612.50

$20,612.50

$20,612.50

$20,612.50

Total

$78,218.60

$39,904.96

$29,764.91

$47,543.83

$78,687.51

Net Operating Income

Year

Net Operating Income

2011

$312,781.40

2012

$403,501.04

2013

$419,235.09

2014

$271,945.17

2015

$315, 768.45

Tenant Wants / Needs

In this case, the tenants will more than likely demand a variety of different services to include: housekeeping, garbage disposal, a professional looking building,…… [read more]


Paraphrase Collaborative Benchmarking Transparency and Performance Evidence From the Netherlands Water Supply Industry Article Review

… ¶ … Collaborative benchmarking, transparency and performance: Evidence from the Netherlands water supply industry" by Okke Braadbaart investigates and explores the benchmarking efforts of The Netherlands water industry. These benchmarking efforts, Braadbaart asserts, represent a case of collaborative benchmarking in the public sector, and as such, Braadbaart's aim is to "address contesting claims regarding benchmarking effects espoused by the managed competition and collaborative benchmarking literatures" (p. 690).

In the beginning of the 1990s, numerous Dutch water utilities made forays into collaborative benchmarking efforts, but they were confidential. In 1997, the entire Dutch water industry conducted its first all-industry benchmarking effort. Its results were not confidential -- they were openly shared and published. There was a repetition of this effort in 2000. By exploring and investigating the consequences of these collaborative benchmarking programs regarding both transparency and economic performance, Braadbaart's study formulates four hypotheses.

Braadbaart's first hypothesis (H1) is that the Dutch benchmarking exercises would increase transparency, and indeed they did. The information from the benchmarking efforts reached individuals and positions across the board -- from utility managers to governing committees to the public at large. Not only did the benchmarking initiatives increase transparency, but the data generated from them "put boards of governors in a better position to judge the performance of utility managers and enabled customers to judge the effectiveness of their water services providers" (p. 690).

Braadbaart's second hypothesis (H2) is that the benchmarking initiative alone would not affect the organization's performance and efficiency until the results of the benchmarking efforts were published, shared, and made available to the public. This was confirmed by the study. As such, the performance of the water utilities that participated in the confidential benchmarking efforts of the early 1990s did not eventually or gradually outperform those that…… [read more]


15 Million Dollar Sight and Sound Theater Fire Essay

… ¶ … Million Dollar Sight and Sound Theater Fire -- a summary

The sight and sound theater, located in the Lancaster county of Pennsylvania suffered a loss of over $15 million when it caught on fire on January 28, 1997. It was supposedly the largest Christian theater in the country with 100 feet long main stage and a couple of 75-foot side stages. The complex had four buildings linked to each other. Even though it was closed to the public when the fire happened, at least 200 people were present inside working, revamping its staging area. The unavailability of prompt water supply, lack of sufficient fire protection facilities, inadequately trained volunteer fire departments and a faulty alarm system which was unsuccessful in notifying the fire department on time were some of the reasons which made the problem worse. However since the auditorium (which had seating arrangements for 1400 people) was closed due to some renovations, there were no fatalities and the construction workers escaped with a few minor injuries (Poole & Stambaugh, 1997)

The auditorium was constructed in 1990 in compliance with the Fire and Panic Act, which is the minimum requirement for these kinds of buildings. It is associated with other state codes stating the general fire alarm requirements, fire prevention, door access etc. Plans on renovating the floor covering so as to show the corrugated steel deckling located below and fusing steel sheets at its top caused the owners to declare it closed from January 13th to March 8th, 1997. Investigations conducted by a Pennsylvania State Police fire representative revealed that the fire started when a construction worker was welding around the stage floor. Exposed screw holes which allowed sparks to spread along and a molten welding rod falling into comburent props were the possible reasons which caused the fire to ignite. Two employees working for the theater were the first to spot the situation in the storage area where a stage prop had caught on fire in three different sections. They got aligned to the sparks coming from above. They made an effort to put it out using dry chemical fire extinguishers. The welder had detected some smoke as well, but associated it with something related to their work. They notified emergency services when 8 portable extinguishers failed to stop the fire (Poole & Stambaugh, 1997).

Theater employees informed investigators that the fire proofing arrangement usually sprayed on, had been removed from the bar joists on the floor and the steel supporting the structure. In fact it was attached to a wire mesh meant for the coating. Striking the floor as a part of their efforts in removing the stage floor caused the protective layer to get knocked off. Incomplete constructions in the mezzanine rooms were another factor. The unavailability of fire doors let the…… [read more]


Fixing the Mortgage Market Term Paper

… Fixing the Mortgage Market

Over the last decade the U.S. housing market has been on a tremendous rollercoaster ride. Where, prices were at all time highs and lending standards were easy. Then, the inventible collapse came; that was accompanied by a financial crisis that was not seen since the Great Depression. An example as to how extreme the current economic situation became is with the total number of foreclosures in 2009. Where, Realty Track found that foreclosures hit an all time high during that year, coming in at 2.8 million. This is a 120% increase in the total amount of foreclosures since 2007. With Realty Track CEO James Saccacio saying, "A massive supply of delinquent loans continues to loom over the housing market, and many of those delinquencies will end up in the foreclosure process in 2010." ("Record Number of Foreclosures in 2009") This is significant because it underscores the overall scope of the problem that various federal and state bailout programs are facing. As the overall supply and fear among lenders is mitigating any kind of homeowner relief programs. To rectify this situation requires altering the approach that is being used. Two ways that this can be accomplished is through increased amounts of homeowner education and higher standards of ethics / professionalism within the real estate industry. Together, these two elements will provide the greatest insights as to how you can improve the various federal and state homeowner assistance programs.

Educating Homebuyers

One of the biggest issues that many homebuyers faced during the housing boom was a variety of different mortgages to choose from. In many cases, the traditional lending standards were often ignored if someone did not qualify for a mortgage because of: bad credit, job history and other factors. What would happen is a variety of loan officers and loan brokers would direct these investors to new type of mortgage that would help them to purchase the home they wanted, a subprime mortgage. This would often involve easier lending standards and in many cases there was no verification of the actual income or job history. To make matters worse, many homebuyers were tricked into believing that their mortgage was similar to a fixed rate mortgage. When interest rates started to increase, many homeowners could no longer afford their mortgage as they were consistently reset higher. ("Financial Reform") to fix this problem over the long-term; requires having homeowners attend some type of financial education classes, prior to closing on their home. Where, the government could offer all homeowners rebates and tax breaks for going to these different classes. This could help to educate homeowners about the dangers associated with the different mortgage related products. In addition, it could be used to help the potential buyer to understand how the different mortgages work. At which point, those home owners who takes the class, can be able to compare the different mortgages with their personal financial situation and determine which one would work well for them. Over the long-term, this… [read more]


Real Estate Law Case Study

… Real Estate Law: Expanding the Notion of the Implied Warranty of Habitability

When a landlord rents a dwelling to a tenant, regardless of the terms of the contract itself, there is an implied warranty of habitability. This means that the… [read more]


Steve Rothel Needs to Decide Research Proposal

… Steve Rothel needs to decide whether to buy the pipe or to make it. In order to make this decision, he must utilize a number of decision-making criteria. The vice president asked about outsourcing on the basis of cost. However, Krause must consider that this task is highly specialized, and errors in the HVAC system could have disastrous consequences.

In terms of safety, there are two main points to consider. The supplier is able to provide perfectly round pipes, something Krause cannot guarantee. This would reduce the risk of leaks in the welds. Krause's system would therefore have a higher risk. However, that is a known risk. Krause can only take the supplier at its word with respect to the quality of its pipes. If the supplier's pipes are not to the standard as advertised, it is likely that Krause will need to bear the cost of fixing the work. It should be of concern to Rothel that this supplier is willing to offer pipe for $18 when other estimates are $5-10 higher. Such an undercut means that its processes are significantly worse than the competition, or that they have a significant source of competitive advantage, such as economies of scale that it is utilizing to deliver the abnormally low price.

In addition, the supplier can deliver pipes twenty feet long. Krause can only make pipes eight feet long, and would need to use joints in order to extend the lengths of several pipes. If the supplier's claims of quality can be verified, then the pipe length and perfect roundness would give the quality edge to the supplier.

In terms of cost, the supplier is offering $18.10 per linear foot. Krause's cost structure is as follows. The labor cost of a foot of pipe is the $32.60 divided by the…… [read more]


Buying a Home Is a Major Step Thesis

… Buying a home is a major step in the lives of most Americans. A home is typically the largest purchase most of us will ever make. There are many websites dedicated to the home buying process. This paper will examine three of them with an eye to answering two questions: when should one buy a home and what upfront costs can be expected?

The Motley Fool website, which has an orientation to investing and personal finance, focuses less attention on when to buy a home as how much home one should buy. Fool outlines the criteria lenders use to evaluate potential mortgagees, and places this in the context of the homebuyer. The homebuyer is instructed to examine his or her personal finances carefully prior to entering the housing market. A home, for example, should not be bought if the intent is only to stay for a couple of years. The home would not likely appreciate in value rapidly enough to cover all of the fees involved in buying and selling the home.

Fool also advises that a home should not be bought unless the buyer can truly afford the payments. The mortgage application process is, in part, a proxy for the buyer's ability to make the payments. If the bank believes the buyer can make the payments, the buyer probably can. Fool advises that the amount of money the bank is willing to lend form the baseline assumption with respect to when to buy a house -- when the house you want is within your means.

The Fool site also posits that one must approach home buying like any other investment and carefully research the home first, before making an offer. A buyer should not bid on a home he or she knows little about, as there are many pitfalls that can occur if the buyer does not do their due diligence.

The final piece of advice from the Fool site is to treat the home like any investment -- do not buy if you cannot afford to have the value go down for a few years.

Fannie Mae's website illustrates the basic home buying process. The tone is more informational that advisory. The Fannie Mae site covers the home buying basics -- mortgage applications. Also covered are areas of concern to Fannie Mae's constituency -- predatory lending practices and mortgage fraud.

Whereas Fool provided some information regarding the up front costs of buying a home -- or least indicated that they need to be taken into consideration for buyers viewing the home as an investment -- Fannie Mae does not take this approach. There is little discussion about insurance, fees and other up front costs, all of which are detailed on the Fool site. The Fannie Mae site instead focuses on the provision of information…… [read more]


Intended Use of Public Space Essay

… ¶ … intended use of public space: A rave

It is not by accident that users of public spaces in unintended ways are often young: people lacking a sense of secure private space often intrude onto the public space. Someone in an apartment that is cramped, uncomfortable and ill-kept is more apt to seek out a place outside in which to define him or herself. The poor, the young, and the marginalized do not have the luxury of using conspicuous consumption of material objects in the form of houses with which to define their social identities. Raves allow young people to mark urban spaces as their own, and to create a transient but vibrant identity with clothes, makeup, and other physical markers that create a status. Suddenly wealth and occupation do not matter -- only movement in the space. The frequently harsh and dangerous settings of raves are partially for concealment but also to satirize the idea that a beautiful space is needed to have fun.

Young people are also in search of an identity. The anonymous locations of raves allow them to create superficial self, with costumes, paint, and wild movements to music. The availability of drugs at raves also allows the ravers to forget their workaday identities of…… [read more]


Gated Communities There Are a Host Term Paper

… Gated Communities

There are a host of different reasons that people live in gated communities, according to Setha Low, author of Behind the Gates: Life, Security, and the Pursuit of Happiness in Fortress America. The identification and explanation of these various reasons come as the result of extensive interviews with many people living in gated communities, in which decisions to move to and live in gated communities were explicitly explained to the author. There are also reasons, however, that the author herself determines lie at the root of the desire to move to the secure isolationism of a gated community through conjecture, and while based on the interviews that she has conducted these latter reasons do not always match up directly with what the author gleans from interviews. Rather, they represent her own conjecture based on the collation of many interviews.

Essentially, the author argues, people who live in gated communities are often searching for a sense of stability in the neighborhood, and they expect the same dedication and community loyalty that they feel in themselves to be evinced by their neighbors. A gated community provides a solid geographical community with clearly defined boundaries, and this can enable feelings of stability and a cohesive neighborhood in a way that urban and suburban sprawl simply doesn't. One of the people interviewed mentions the desire to get away from transient neighbors, and the author uses this as a jumping-off point to examine the deeper currents of community cohesiveness and general neighborliness, as well. She, along with a cultural anthropologist she interviews, believes that the ever-decreasing sense of community in this country is one of the primary drives for people to move to gated…… [read more]


Water Supply Safety Thesis

… Vulnerability Assessment Grid

HLS 530 (Critical Infrastructure Protection of Health Care Delivery Systems)

ERP Review

Perspective: [Hospital]

Critical Infrastructure: [Water Supply]

Risk Dimension

Potential Severity

Medium

Low

Command

Efficiency of notification

Issues lead to slower response times/lower preparedness

Reliability of communication with CWS

Proper notification guidelines/expectations between organizations not established

Planning

Adequate supplies

Generally available and kept stocked

Adequate staffing

Nursing shortage could lead to problems in large-scale situation (ERP Level III+)

Logistics

Coordination of staff

Lack of detail in chain of command/communication could create confusion

Utilization of space for treatment

Detailed plan for movement of regular patient population should be developed

Finance

Expensive over-preparedness

Inadequate/untimely information can lead to large unnecessary expenses; reduced general function

Low operating capital

Reduces flexibility somewhat

Environmental, Safety, and Health

General patient population

Possible quarantine needs must be taken into account in utilization of space

Access to alternate water supply

Maintenance of staff/patient health paramount; adequate on-site supply should be established

Legal Liability

Rushed care

Could lead to allegations of malpractice; well protected in emergency situations

Lack of approved ERP

Leaves hospital vulnerable legally and in purely practical terms

Perspective: [EMS]

Critical Infrastructure: [Water Supply]

Risk Dimension

Potential Severity

High

Medium

Low

Command

Possible disputes

Complex hierarchy of situation-dependent command

Coordination

Chain unclear in certain situations, especially higher level incidents

Planning

Possible over-responsiveness

Too many respondents can clog communications and hamper activity

Staging function

Likely an over-extended responsibility; consider breaking up

Logistics

Site-specific setup

Adaptability of equipment, staff to uneven ground/other conditions warrants attention

Coordination

Diffuse materials/missions; effective utilization of all resources requires more centralized command

Finance

Readiness of supplies/staff

For high level incidents, team must rely on state/federal response

Reserves

Damage to responsiveness for general EMS is high with resources allocated elsewhere

Environmental, Safety, and Health

Site specific issues

Safety hazards increased with unfamiliarity; possible ground contamination from spills

Elemental exposure

Depending on time of year/day and type of incident, on-site triage might present additional risks

Legal Liability

Greatest good policy

Non-treatment of extreme cases introduces some vulnerability

Safety Hazards

Risk of staff/patient injury due…… [read more]


Present Value Research Proposal

… ¶ … Value

Computation of an Investment's Present Value

Scenario

a) Considering a discount rate of 8%, the present value of the investment is of 7,000 x 100 / 108 = $6,481.48

b) Considering a discount rate of 3%, the present value of the investment is of 7,000 x 100 / 103 = $6,796.12

Scenario

a) the present value of Account a is of 4,000 x 100 / 105 = $3,809.52

b) the value of Account B. In one year's time is of 9,600 x 100 / 105 = $9,142.85

The value of account B. today (its present value) is of 9,142.85 x 100 / 105 = $8,707.47

Scenario

a) 8% discount rate

Present value of the income in year 1: 42,000,000 x 100 / 108 = $38,888,888.89

Present value of the income in year 2: 62,000,000 x 100 / 108 = $57,407,407.41

$57,407,407.41 x 100 / 108 = $53,155,006.86

Present value of the income in year 3: 99,000,000 x 100 / 108 = $91,666,666.67

$91,666,666.67 x 100 / 108 = $84,876,543.21

$84,876,543.21 x 100 / 108 = $78,589,391.86

Value of investment today = $38,888,888.89 + $53,155,006.86 + $78,589,391.86 = $170,633,287.6

b) 6% discount rate

Present value of the income in year 1: 42,000,000 x 100 / 106 = $39,622,641.51

Present value of the income in year 2: 62,000,000 x 100 / 106 = $58,490,566.04

$58,490,566.04 x 100 / 106 = $55,179,779.28

Present value of the income in year 3: 99,000,000 x 100 / 106 = $93,396,226.42

$93,396,226.42 x 100 / 106 = $88,109,647.56

$88,109,647.56 x 100 / 106 = $83,122,309.02

Value of investment today = $39,622,641.51 + $55,179,779.28 + $83,122,309.02 = $177,924,729.8

c) 4% discount rate

Present value of the income in year 1: 42,000,000 x 100 / 104 = $40,384,615.38

Present value of the income in year 2: 62,000,000 x 100 / 104 = $59,615,384.62

$59,615,384.62 x 100 / 104 = $57,322,485.21

Present value of the income in year 3: 99,000,000 x 100 / 104 = $95,192,307.69

$95,192,307.69 x 100 / 104 = $91,531,065.09

$91,531,065.09 x 100 / 104 = $88,010,639.51

Value of investment today = $40,384,615.38 + $57,322,485.21 + $88,010,639.51 = $185,717,740.1

The gold mine promises to generate incomes of $203,000,000 and its present value is in all cases lower than the expected profits. Yet, it has to be noted that as the discount rate decreases, the costs of making this investment increase.

Part…… [read more]


Letter to the Editor Essay

… Letter to the Editor

I am the marketing director of Dewey, Sellum, and Howe, a local real estate firm that has had a long and cordial relationship with your newspaper. For a long time all of the members of my firm, and particularly myself, have been avid readers. We have long been impressed by the fair and unbiased coverage of matters pertaining to the field of real estate, as well as your accuracy and thoroughness. We have used the newspaper as a resource, not simply for advertising our services, but also as a way of keeping abreast of developments in a rapidly-changing industry.

It was with great interest and appreciation that I learned of the newspaper's upcoming expose of unethical practices within the profession. It is necessary that such issues are brought to light, so the public understands how to tell the difference between an ethical and an unethical broker. Distrust of the real estate market is rampant, given the recent credit crisis and expose of unethical practices within the industry. Bankers, agents, and brokers have all come under fire nationwide, even at some of the most well-respected and trusted firms. Of course, only by bringing such practices to light can the public regain its confidence in the industry. Now members of the public can more easily identify what constitutes an ethical broker and an unethical broker, thanks to greater media coverage and scrutiny.

No firm, of course, is immune to problems. The editors are aware of the misconduct by two individuals at our firm, whose actions, I understand, are to be featured in the upcoming investigative series. I would like to offer my firm as a resource to the newspaper, to illustrate how firms can effectively discipline brokers who violate the law. I believe that the way in which these individuals were dealt with shows how a firm can use unfortunate actions by individuals to ultimate clarify and set higher ethical standards for others. These individuals were fortunately anomalies, but they caused the firm great angst in…… [read more]


Real Costs of 'For Sale by Owner Research Paper

… ¶ … Real Costs of 'For Sale by Owner'

Realtor Sale

Sale by Owner

Costs for Both Realtor and for Sale by Owner

Estimating Costs and Returns

Fig. 1. Sale by Realtor

Fig. 2. For Sale By Owner

Buying or… [read more]


Spring 2009 Case B: Kelly and Michael Thesis

… ¶ … Spring 2009 Case B: Kelly and Michael Borden v Neil Fox

Should the Bordens be allowed to rescind the contract? If so, on what legal grounds (what rule of law or case)?

According to South Carolina law, the grounds for rescinding a contract are as follows. First, the rescinded contract must have been for unlawful purposes "for causes not apparent upon its face," and both of the involved parties must not have been equally at fault for the unlawful action. While a contract is simply not valid if it is for an illegal purpose (such as commissioning a murder) the law also allows that illegalities may only come to light later on, and thus the contract may be rescinded. This is what the Bordens allege has transpired: they were illegally sold an infested home and property, and much as the contract stipulates that the house cannot be infested with termites, the same is true for a house infested with snakes, given that the contract requires general disclosure of all pertinent and serious detrimental information about the house. For example, if the house were infested with mice or roaches, the fact that these creatures do not happen to be termites does not give Fox a legal leg to stand on. The other instance a contract can be rescinded is "when the public interest will be prejudiced" by permitting the contract to stand, which is not the case here, as no alleged damage to the public, only to the Bordens, has been done.

The question thus arises: was Fox's house indeed infested with snakes and did he know this and fail to disclose this? The court stated this was not the case, as only a single snake was officially reported. The Bordens did not apparently have a home inspector come to examine the property before purchasing it, clearly an error upon their part. If they did, the results are not stated in the court records, nor did Fox obtain an assessor before the sale apparently (although the Bordens would have been wise to have gotten an independent appraiser, regardless).

Thus, given the lack of…… [read more]


Business Strategies Home Building Market: Models, Strategy Thesis

… Business Strategies

Home building market: Models, strategy, and segments

Business models

Risk mitigation has become more important in the new home building market, although real estate is always risky. Builders are carrying smaller inventories and looking for a more financially stable customer base as well as selling more modest homes that are easier to 'move' in these economically anxious times (Vogel 2008).

Some residential builders are diversifying and expanding into commercial properties or innovative homes, such as green homes to combat the oversaturated market through higher-volume sales to different consumer bases. Labor, materials, and fuel is cheap so a 'low cost' model is appropriate in some areas as people are scaling back their lifestyles.

Presenting a trustworthy image, given the lack of trust pervading the industry, is also essential, so some builders are focusing on specific communities and focusing on making themselves into local, friendly businesses.

Generic strategies

Reducing overhead costs: now that every penny counts, emphasizing the Internet to advertise homes and cut out the costs of 'middlepersons' in the form of local realtors can be…… [read more]


Foreclosures in the United States Research Proposal

… Foreclosures in the United States

Should I buy a home? This question has been on the minds of people across the United States for years. Young people fresh out of high school or college with jobs that seem like they can pay the bills often wonder if buying a home is better than renting an apartment, and others who have never lived in a home dream of becoming homeowners, but on the last few years, banks have capitalized on that dream, starting a sub-prime mortgage crisis that has left much of the United States in foreclosure.

Although foreclosures have affected people throughout the nation, they are primarily in certain states. In fact, only nine states have foreclosure rates that exceed the national average 11 foreclosed homes per 5,000 housing units. Four of those states contain 22% of the foreclosed upon homes in the nation. These states are Nevada, California, Arizona, and Florida. The fact that most of the foreclosures have occurred in these states, as well as nine other states with foreclosure rates above the national average, have caused some to think that the foreclosure issue is a state problem and not a national one. Nevertheless, in January, 2009, there were 274,3999 foreclosures throughout the nation (Barone). This suggests that while the problem may be concentrated in some states, it is certainly of national interest.

So what caused the national foreclosure epidemic? Today, most agree that it was the sub-prime mortgage crisis. In fact, the BBC launched an article in November of 2007 warning against the consequences of this crisis, foreclosures, which were then beginning to boom. In fact, in the first eight months of 2007, 1.7 foreclosure proceedings occurred in the United States (Schifferes). Today, the problem has gotten even worse. Sub-prime mortgages are home loans that give a party a fixed, low, rate for a few years, and then switch to an adjustable rate. When the loans switch, the loan payments are much higher, making it difficult, or impossible for families to afford them (Schifferes). What makes the…… [read more]


Belles Demoiselles Plantation Essay

… Bellies Demoisellies Plantation

George Washington Cable's "Belles Demoiselles Plantation"

George Washington Cable's "Belles Demoiselles Plantation" seems eerily contemporary, given the racial struggles revealed during the tragic history of Hurricane Katrina. It tells the story of a fine Creole man who owns a beautiful plantation that is secretly rotting from beneath, because of the way that it is built upon the water. Colonel Chaleau, with the knowledge that his home rests on sand, becomes desperate to get rid of the structurally unsound house upon the levy despite his love for the beautiful home. When he hears that his home's days are numbered, he attempts to buy the dilapidated buildings of his distant Indian relative that lie within the city. Charlie is old and half-deaf, and his lifestyle is a stark contrast to the beautiful, genteel existence of the house, where the Colonel's daughters enjoy their life of luxury and delicacy. The Colonel assumes that Charlie is ignorant, and the difference in circumstances between the two men illustrates the racial divides in New Orleans society, and how the Colonel is even willing to disobey…… [read more]


Hong Kong Has Long Been an Exciting Research Proposal

… Hong Kong has long been an exciting place to launch a business. Various industries have thrived in Hong Kong, including the property management industry. The property management industry in Hong Kong is amongst the most dynamic in the world. The… [read more]


Class Action Fairness Term Paper

… ¶ … Action Fairness

On your own or with a classmate, use a Web search engine to select and research a state or federal business-related law enacted during the past year. Why was this legislation passed? What were the arguments for and against it? How do you think the new law will affect businesses? Consumers? Society in general?

The FTC (Federal Trade) Reauthorization Act of 2008 reauthorized the Federal Trade Commission (FTC) for the first time since 1996. It was designed to enable the FTC to meet a number of new challenges posed by the current business environment. The bill authorized a 10% increase in the commission's appropriations, particularly to give consumers greater protection through the commission's watchdog function and to enable to commission to give greater supervision to international commerce over the next seven years. It also gave the FTC the authority to litigate any civil action involving the Federal Trade Commission Act (FTC Act) rather than relying upon the Department of Justice to do so, making the organization more streamlined in its bureaucratic procedures and also perhaps less partisan in nature and reliant upon the Department of Justice, which is lead by the Attorney General appointed by the president. "The proposed legislation would give the FTC authority to seek civil penalties for knowing violations of Section 5 of the FTC Act. In addressing this provision, the Commission reiterated its support for new authority to seek civil penalties in areas where its existing remedies are insufficient to achieve the law enforcement goal of deterrence. These areas include spyware, data security, and telephone records pretexting" ("FTC Chairman and Commissioners Testify before Senate Committee on Commerce, Science, and Transportation on proposed 'Federal Trade Commission Reauthorization Act of 2008'," FTC: Office of Public Affairs, 2008). Also, the bill repeals of the exemption of telecommunications common carriers from FTC jurisdiction. This would enable the FTC to protect consumers more easily from deceptive advertising, marketing, billing and collection practices by telecom common carriers as non-common carriers (Worton & Yoon 2008).

Particularly important given the subprime mortgage meltdown, it the fact that the reauthorization act makes it easier for state and federal authorities to enact rules against deceptive advertising and lending practices in the subprime mortgage lending market. This is designed to prevent the types of abuses of the recent housing bubble and bust from occurring in the future. Mortgages for individuals with less-than-stellar credit histories will be more difficult to obtain but also credit lenders will have to be stricter in terms of the methods and clarity which they use to present information to prospective lenders. Greater transparency will be required in lending practices.

The act placed more restrictive requirements…… [read more]


Gendered Spaces of the Suburban Home Term Paper

… Gendered Spaces

Spaces in the modern suburban home are produced primarily through barriers and obstacles: walls, room dividers, doors, and windows. The barriers used to separate one space from another signify role-related restrictions on behavior. For example, a person is expected to chop vegetables in the kitchen, but not in the living room. Access to materials is restricted due to the barriers placed on collective spaces in the home. The television is not viewable from the bathroom but it is from the bedroom. Although most spaces in the suburban home are for collective use, some are not. Private bathrooms and private sleeping areas are not uncommon in the suburban home. Closets, work space, and some objects of furniture may be private too. Private spaces are signaled through doors, especially doors with locks. Collective spaces are sometimes in rooms without doors such as the living room.

Collective spaces may be indoors or out. Some spaces are set out for entertaining: including kitchens, living rooms, dens, and back yards. Other spaces are collectively used but temporarily privatized, such as sleeping areas, bathrooms, and closets. Bathrooms are generally the only acceptable spaces in a home used for performing ablutions: bathing, brushing teeth, and eliminating. However, most rooms offer multiple uses. Bedrooms are not just for sleeping; they can also be used for love-making. The living room can be a place for deep discussions, for playing games, or for watching television.

Furniture also helps create separate spaces in the home. The placement of furniture and decorative objects signals what the space is used for. A sofa set in front of a television suggests that the family watches television in that room; a sofa set in a library suggests a different type of activity. Tone and mood are conveyed also via texture, color, and patterns. Separation between rooms can often be achieved using different colors or different styles of interior design.

A suburban home is arranged in predictable ways. The front door is the main entrance through which people enter the home. A person enters through the front door and usually proceeds through a small hallway, a foyer, or some sort of transitional space. The transitional space is small, to discourage lingering. The foyer is a space in which the guest is either welcomed whole-heartedly into the home, or kept at bay.

In homes set in temperate climates, items like coat closets, shoe racks, hat racks, and jacket hooks may be located in the transitional space: the space that divides indoors from out. The transitional space sends signals to guests to remove their coat and shoes before entering the remaining areas of the house. In homes in which wearing shoes is unacceptable, the presence of a lot of shoes in the transitional room urges guests to remove their footwear. A front closet is, unlike closets in the bedroom, available for the use of guests to remove their winter or rain coats. Similarly, a half bathroom that is attached to the front entranceway entails guest bathroom:… [read more]


Home Inspection Term Paper

… Inspectios

All cultures have their differences. However Looking at the home foundation is one of the major aspects of inspection. Overall, the inspectors will be: 1) Observing site factors impacting the structure such as slope, drainage, or cracks; 2) Identifying… [read more]


Namely, Evaluating the Structure of the Research Term Paper

… ¶ … namely, evaluating the structure of the research upon which scientific conclusion are drawn. The remainder of this review will be an analysis of a particular qualitative research investigation wherein a research investigator sought to determine "...capability development strategies differ between first-movers and late-entrants in it-enabled services (Mahnke, Zcan, & Overby, 2006, p. 189)."

Qualitative research, unlike quantitative, is an investigative research activity that studies societal and/or cultural events, psychological, educational, or sociological phenomenon, or historical and philosophical trends that are described, not on the basis of numerical data, rather seeking to uncover and give meaning to events that are interpreted from the participants' perspective. As such qualitative research attempts to determine the tenor and characteristics of a particular group of people. In most qualitative research endeavors the investigator attempts to build a theory of acceptance from the ground-up; thus the expression grounded theory. The various methods of grounded theory included the following:

Participant-Observation

Ethnography

Ethnomethodology

Dramaturgical Interviewing

Sociometry

Natural Experiment

Case Study

Unobtrusive Measures

Content Analysis

Historiography

Secondary Analysis of Data

Most often the approach to a qualitative research activity is phenomenological in design wherein the research investigator attempts to determine the significance of the phenomenon being investigated through a determination of the structure and essence of the experiences of a group of individuals. However, the research investigators of the research being evaluated chose the case study method upon which to draw their conclusions. As such the remainder of this report will focus on how well the research investigators followed best fit qualitative case study research with respect to their stated research question of "...how do capability development strategies differ between first-movers and late-entrants in it-enabled services (Mahnke, Zcan, & Overby, 2006, p. 189)?" Whether or not the question being presented is or is not broad enough is strictly dependent upon the timeliness and topic relevance of the two case studies being reviewed and evaluated. Upon review of the case studies with respect to online it brokerage market entry services (Charles Schwab and Merrill Lynch) the authors chose two appropriate, visible, secure, and formidable entities upon which to base their investigation. However, evaluating two companies and basing their conclusions on corporate data that is, in many instances nearly 10 years old does not make for best fit managerial decision making. In fact, at one point the authors referenced a situation wherein Charles Schwab exceeded Merrill Lynch with respect to Schwab at the forefront of it development in the brokerage business. Unfortunately the reference was based on 1998 information (See p. 195). In addition much of the other case related data such as the rise and fall of the Schwab vs. Merrill Lynch online brokerage activity had little to do with the their being…… [read more]


Centex Homes Term Paper

… Centex Homes is a Dallas-based company that was founded in 1950, activating in the field of home building. As one of the leading U.S. home building companies, Centex has an impressive activity operating in 25 U.S. states, with 35,000 homes built over the past fiscal year (Centex, 2007). Centex's success has been acknowledged by U.S. specialists in the field, being ranked No.1 in its industry on Fortune magazine's list of America's Most Admired Companies. Centex's great financial situation is another factor that adds to the company's success. In the 2007 fiscal year Centex reported $12 billion revenues, $268 million net earnings, and $2.16 per diluted share. Also, in the last quarter of the 2007 fiscal year Centex reported $3.67 billion revenues, $199 million net earnings, and $1.60 per diluted share.

Centex is active in other fields besides home building, like mortgage, title, and insurance. Centex Mortgage Company is actually one of the U.S. largest retail mortgage originators, with almost $14 billion of loans originated in the 2007 fiscal year. Also, Centex Title and Insurance operations provide residential and commercial title insurance and settlement services across the U.S. These services include low-cost property reports and products. Centex Insurance also provides life, auto, boat, commercial, home warranty and umbrella policies to more than 100,000 clients.

The U.S. home building market does not present positive signs for the future: "prospects for U.S. home building look dim but nation's manufacturing sector is showing some signs of a pickup" (Morrison, 2007). Although there has been an unexpected rise in the home building sector in April, as reported by the U.S. Commerce Department, it seems that future building permits reached the lowest pace in a decade. Despite this information, U.S. investors believe that the housing market will stabilize in the near future.

The U.S. current housing market's situation is the following: in April, this sector reached a seasonally adjusted annual pace of 1.528 million units, 2.5% higher than the previous month,…… [read more]


First American Corporation Term Paper

… ¶ … American Title Insurance Company's primary business model is dependent on several product offerings. Primarily it is service that offers title insurance to consumers within a variety of industries. They claim to the world's most efficient and cost-effective title and settlement solutions. Their strongest stakeholders are within the arena of residential and commercial real estate, with the majority of their profits in the last five years coming as a result of the real estate boom. This year, the company has suffered in its overall growth, because of the real estate slump which has left them without tremendous revenue growth.

The majority of First American customers are within the real estate industry, First American controls about 35% of the overall title insurance marketshare within commercial and residential real estate. However, they also have strong holdings in many different service provisions. Their escrow and vendor services are also an important revenue source. Customers who rely on First American for their title insurance usually also choose the company for transaction closing services as well. Therefore First American's customer base are also encapsulated within their escrow services. The real estate title insurance and settlements market can be further broken down into many different subsidiaries. First American capitalizes on the market for transportation title insurance, with aircraft and vehicle title insurance being one of the key stakeholders for profit. Other strong customer retention arenas include international real estate services, documentation services, vacation ownership services, etc.

The main competition for First American within the arena of title insurance and settlements come from a few key competitors. Fidelity National Financial is their biggest direct competition. Due to various acquisitions, Fidelity now surpasses First American in terms of marketshare within the industry. While First American has focused on providing sub-prime credit information, Fidelity has expanded its scope to outsourcing. They company now takes on back office operations such as payment processing and escrow services.…… [read more]


House on Mango Street Term Paper

… ¶ … House on Mango Street is a brief and apparently very simple story, told in the innocent voice of a school-girl who describes the house in which she and her family have recently moved. However, beneath its simple surface… [read more]


Ethnographic Study of Realtors Term Paper

… ¶ … Real Estate bubble began to expand in the early 1990s, becoming a real estate agent was the buzz word of this past decade. Thousands of professionals, housewives, investment bankers, teachers and individuals of all different backgrounds transformed themselves into lucrative real estate agents overnight. The simplicity of taking a real estate exam and making hundreds of thousands a year was too lucrative a dream for many to pass up, and even more astounding is that many success stories developed in the wake of the real estate bubble and the frenzy towards investment. The real question however is how what specific qualities creates the ideal realtor, how do successful ones earn their success, and most importantly how did this cultural phenomenon shape the field and the people within it. Realtors are individuals who possess an inordinate amount of patience, salesmanship, empathy and most importantly ambition. The primary difference between successful and starving realtor is precisely their ability to execute on the above traits and to use their business acumen to build a financial empire.

The success of the realtor phenomenon caused me to interview some local successful realtor to find out what the realities of the position were. After all it seems as there are no specific career paths towards real estate, with individuals of all different backgrounds gravitating towards the field. Mr. Jake Delwin, partner of CR Realty, was kind enough to shed light on the phenomenon of the real estate agent craze and what creates a successful realtor. Having worked in real estate for over eight years now, Delwin claims to have sold over four hundred homes and commercial real estate property. His personal earnings from his investments have gone into the millions several years ago and now he has diversified his real estate portfolio to include vineyards in Napa and tanning salons around the country. He explains, "Realtor culture is very hard to explain because you have to just have a feel for people and how to earn their trust." Trust he articulates is the most important catch phrase within an industry, because once a customer develops a trust relationship, then they will begin recommending the realtor to all their friends and family. Delwin started his career not as a real estate agent, but rather as an investment banker, working over 100 hours a week in Los Angeles. He explains that the biggest lesson he carried over to real estate is the necessity of patience. Successful realtors understand that purchasing a home, which seems like such a run of the mill affair to a realtor is in actuality the most important decision a family may ever make. Therefore, they may go through dozens of houses because they become interested in one particular investment or other. Patience therefore sets realtors apart, the successful realtor will allow the family or customer to decide when they are ready to make a purchase instead of trying to oversell the property. Delwin explains that the realtors that do not succeed within… [read more]


Story About My Japanese Mother Term Paper

… Oh, Those Orange

The smell of Pine-Sol was heavy when I walked into my apartment, making my cozy abode feel institutional, like a hospital or an elementary school. I looked around for her, but the apartment appeared to be empty. I listened for the sound of small, house-shod feet shuffling in the back rooms, but no sound escaped from my small bedroom. I sat my pack of books on the bar and walked into my bedroom, where my suspicions were confirmed: my mother, her small body rigid and strict, even in sleep, was napping on my bed.

It was my sixth year away from home; I had graduate from college with honors and was excelling in my studies at medical school, I had supported myself financially with a long series of dreary waitressing, tutoring, and secretarial jobs, I did my own laundry, made my bed each morning, found sustenance all on my own, and yet my mother refused to believe that I was capable of handling all of the responsibilities that came with adulthood. As such, she took it upon herself to take a taxi to my apartment at least three times per year to sanitize and organize in ways that she was certain I couldn't.

A crept out of my own room, trying not to make a sound. Somehow, even with her uninvited intrusions into my life, I felt that my mother deserved a little peace and quiet now and then. She had moved with her parents from Japan just before the second world war; not the best time to be a Japanese-American in the United States. Her father was incredibly strict, even by traditional standards of our culture, and insisted that she conform to his ideas of a traditional Japanese female, presenting a perfect facade to counter the crippling insecurities of being an immigrant in a strange culture, viewed as a potential enemy. She carried these ideas of perfection-in presentation, at least-into her instructions to me, her only daughter, and remained aghast at what she perceived were the flaws that I was not eager to hide: wearing jeans in public, listening to popular rock music, having sloppy handwriting, not cooking each meal for myself.

Her unannounced visits became routine in my first year out of college-without the "structure" that she perceived existed in the dorms, I must be flailing to survive. She would appear, uninvited, to fold my laundry, throw away expired milk, and-most annoying of all-scrub all tiled sections of wherever I was living with an industrial-strength and industrial-smell generic version of Pine-Sol. Entirely too frugal to invest in the name-brand cleaner, my mother was just as satisfied with the generic's results and took every opportunity to explain to me that just because a surface appeared free of dirt and other stains, it wasn't free of germs and needed to be thoroughly attacked regularly.

At their inception, I found these visits only mildly annoying-I was, after all, getting what amounted to free maid service. After a few… [read more]


Kb Home Term Paper

… KB Home

Business level Strategy

The company is a builder of houses and selling them to people. This is a company which functions in United States and France. They are now of the largest builders of homes in United States. The company was earlier called Kaufman and Broad Home. The houses built by them are for individuals buying houses for the first time or families which are now looking for a bigger house. They are building houses in 392 communities in Arizona, California, North and South Carolina, Colorado, Florida, Georgia, Illinois, Nevada, New Mexico and Texas. The houses that it builds are in size from 1,200 square feet to 3,900 square feet and the average price for which they sell are $206,500. (KB Home (NYSE: KBH): (www.hoovers.com)

They have some subsidiaries and the majority owned subsidiary of Kaufman and Broad SA builds single family homes, condominiums, and commercial buildings in France. The company also owns KB Home Mortgage which provides the customers with mortgage assistance, financing and home insurance. The company sold a total of 31,646 homes during 2004. (KB Home (NYSE: KBH): (www.hoovers.com) The company has grown through getting more companies. According to Forbes, this is a "Homebuilder with domestic operations in the following regions: West Coast, Southwest, Central and Southeast. Also provides mortgage banking services to the majority of its domestic homebuyers through its wholly-owned subsidiary, KB Home Mortgage Company." (KB Home (NYSE: KBH): (www.forbes.com)

2. The company has a specific area of operations which is limited and this can be found to be similar to all other such housing companies. Naturally all their other activities are also found to be limited to those areas that it operates/functions in. The market segment which they are found to be operating in is also being clearly defined by the amount of the sizes of the houses that they sell. Regarding the aspect of marketing, the question is that of local activities and also getting a good reputation for the same. However it should be noted that they do not seem to have succeeded much in that aspect. (Arlington residents sue KB Home); (KB Home to Pay $2 Million Penalty for Alleged Violations of FTC Order) This company's prime area of market is the new home buyer and that too among the professionals and workers having their families, who are situated in medium-sized developments and which are considered to be close to major metropolitan areas. (KB Home Customers Find FTC Penalties Inadequate)

The financial strategy is to be the same as that of all other housing companies and they also have a separate company for the…… [read more]


Dark and Stormy Night "Oh Term Paper

… I turned, but I could see nothing behind me on the path. Running now, my only goal was to reach the safety of my warm house and lock the door quickly behind me. But that was not to be. I stumbled over an exposed root from that blasted elm, and went down on all fours. Suddenly, I could feel the warm breath of someone standing over me. I must have passed out from fright, because when I awoke, I was inside my home, a fire was blazing in the hearth, and I could smell the aroma of warm soup wafting out from the kitchen. But there was no one in the house but me! Who was the stranger in my garden, and why had he left me here warm and snug, while he lurked outside. I never found the stranger, although I did see footprints in my garden the next morning. I will never know the truth of what happened that night, but I do know that my intruder certainly knows how to whip up a mean chicken…… [read more]


Hansberry's a Raisin in the Sun Term Paper

… Lorraine Hansberry's "A Raisin in the Sun"

How do the symbolism/references-allusions to light inform the play (plot/character)? & What does Mama's plant symbolize (look at the various places it enters into the play)?

The title of Lorraine Hansberry's play "A… [read more]


Jhumpa Lahiri: Real Durwan Term Paper

… Also, Lahiri reports, no one believes the old woman's story. They would rather imagine their own tale of her past.

Yet, Lahiri relates, the 64-year-old Boori Ma still retains her pride. Every day in her makeshift home she spotlessly cleans the crooked stairwell, screens itinerant peddlers and summons rickshaws. At night, she sleeps by the collapsible gate to deter thieves. It may not be much, but it gives her some personal value. She even has a friend in Mrs. Dalal, although more out of pity than companionship. "In short," adds Lahiri, Boori Ma honored her responsibility "and maintained a vigil no less punctilious than if she were the gatekeeper of a house" in a fancy neighborhood.

Lahiri describes Boori Ma during the day as if she is the household pet. She walks in and out of flats, from time to time handed some crackers and a drink of tea. Knowing not to sit on a piece of furniture, as a servant (or dog) would never do in Asia, she crouches in the doorways and hallways. She observes the gestures and manners as someone tends to watch traffic in a foreign city (or as a pet cat looks out the window at passersby.)

Finally, Boori Ma even loses this status. As the residents make a new house for themselves, they turn Boori Ma away from their door and the only home she has. This time, she even walks away with less than before. As Lahiri concludes her memorable tale: No keys rattle when Boori Ma shakes the free end of her sari. All she has left is a broom and two words,…… [read more]


Jane Addams Term Paper

… The aim of Addams was trying always to seek more powers for the marginalized members of the society so that the society could be in a better positioning future. She was always speaking for the large number of women who had been oppressed through centuries and that gave out the impression that women were helpless as a group. (The Dilemma of Democracy: Diversity of Interests and Common experiences)

References

"Addams, Jane (1860-1935), Social Reformer." Retrieved from http://search.eb.com/women/articles/Addams_Jane.html Accessed on 1 June, 2005

"A View of Jane Addams' Hull House as a Feminist Initiative." Retrieved from http://darkwing.uoregon.edu/~jboland/addams_h.html Accessed on 1 June, 2005

Goldberg, Peter. "Building a Culture of Advocacy in Nonprofit Organizations" Jane Addams Public Policy Lecture - September 23, 2004. Retrieved from http://www.alliance1.org/Home/nonprofit_advocacy_goldberg.htm Accessed on 31 May, 2005

"Historical Perspectives of Human Services" Retrieved from http://www.fvcc.edu/academics/dept_pages/human.services/chapter2.htm Accessed on 31 May, 2005

"Jane Addams." Retrieved from http://www.teaching.com/webstock/center/text/webstock13.htm Accessed on 31 May, 2005

Segal, Naomi. "Jane Addams of Hull House" Retrieved from http://teacher.scholastic.com/researchtools/articlearchives/womhst/jane.htm#top Accessed on 31 May, 2005

"The Dilemma of Democracy: Diversity of Interests and Common experiences." Retrieved from http://www.american-philosophy.org/archives/2001%20Conference/Discussion%20papers/dilemma_of_democracy.htm Accessed on 1 June, 2005… [read more]


How Dependent I've Become on Electricity the Day the Black Out Happened Term Paper

… ¶ … Electricity Died remember August 14, 2003, as the day I became enlightened. In case you do not remember, that is the day of the Great Blackout that hit New York City and many other areas of the Northeast and Canada. Today, it might not seem like such a problem, but it showed me that I was unprepared for an emergency and that I was totally and absolutely dependent on the electrical current that flows through the wires in our cities and towns. My whole life depends on this electrical charge, and that night in August 2003 really showed me what I had come to depend on was so important to all of us.

When the blackout first hit, it was daylight, and we all thought it would last a few minutes at most. There wasn't any panic or anything. I was at work, and when it became clear that the blackout was bigger than just a block or two, we started leaving the building. Someone on our office had a battery-operated radio, and we heard the blackout was all over the area, and it looked like it might last for a while. Some people got stranded in elevators and things like that, but that didn't happen in my building. I did know people that got trapped in the subways, though. I'm sure glad I wasn't down there, in all the heat and humidity of August, waiting to get rescued for hours! Anyway, we all started heading down stairs, and a lot of the people seemed to be in a good mood, because we were having some kind of an adventure, and we were leaving work a little bit early.

We got out into the street, and it really began to hit us that whole city was shut down. People were all over in the streets, because the subways and electric trains were not running. Some cars and taxis were trying to get through the crush of people, but mostly, the streets were just full of people trying to get home any way they could. It was a madhouse, for sure. I tried to call home, to make sure everyone was OK, and to tell them I was going to be late, but my cell phone wasn't working. I found out later the circuits were overloaded, and so, there were massive lines of people at any pay phone they could find, trying to call home, call work, whatever.

It didn't even occur to me on the way home, but I was totally unprepared for this blackout, and I had no clue that I should stop on the way and grab some supplies. By the time it hit me, it was too late. Any store that was open was mobbed, and most were closed because they didn't have the electricity to run their lights, their cash registers, and their computers. I was beginning to see that this was more than an adventure; it was getting a little scary. As I… [read more]


Roger and Me: Automobile Industry Term Paper

… Attempts, by Flint city leaders, to palliate misery by offering inexpensive live entertainment, and by building new theme parks and hotels, ultimately failed because Flint could not sustain them. Well intentioned celebrities, and even (then-President) Ronald Reagan, breezed through the city in efforts to cheer up Flint residents, but such temporary distractions soon proved as hollow as the city's economy. Events in this film did not have to happen: they happened because of corporate greed. Moreover, even given its massive (and ongoing) outsourcing practices, for decades, now, General Motors remains a weak entity. American auto executives might have done much better to admit back then that their products that needed to be changed, not their production processes. They might also have seen that sending so many jobs outside America would eventually weaken long-term profitability of their enterprises, as is now apparent to all. Roger and Me (1989) offered a preview of what awaited much of the rest of the country. It could also have served as a much-needed wake-up call. Unfortunately, for all Americans today, however, it did not.

Work Cited

Moore, Michael (Dir.). Roger and Me.…… [read more]


Web Evaluation Www.Whitehouse.gov Term Paper

… " This statement says little about the actual state of education in America and also says little about what the President is doing specifically about improving education or where the monies will come from. Nevertheless, because of the credibility of the source, the material contained on www.whitehouse.gov can be trusted as being accurate. The viewer must verify content on his or her own, though, as the site does not include links to external sources. Accuracy of the website is also evident in the exact transcripts of speeches.

One of the greatest weaknesses of www.whitehouse.gov is its lack of objectivity. The website is a bastion of partisan politics. It is designed primarily to present the president's point-of-view and that of his upper-level cabinet. As such, www.whitehouse.gov does not, and perhaps should not, offer dissenting opinions or the perspectives of White House critics. Moreover, the President is portrayed in a positive light and therefore the site is biased entirely. For example, one section of the website reads, "President George W. Bush's first term has been among the most consequential and successful in modern times." That statement is not a universal truth. When the President's record on issues like taxation, education, and national security is discussed, the information blurbs laud the president's record without noting any potential controversy. The dark side of presidential spending or specific new congressional bills would not be included on www.whitehouse.gov because to paint the president in a negative light would be contrary to the purpose of the website. The selection of political topics is also an indication of the biases inherent in the site's content. For example, the environment and other top issues are not listed in the main frame, but matters that the President has championed such as national security are part of the main frame. Controversial topics such as matters of foreign policy and national security are presented from one perspective only and the White House is depicted as being benevolent and immune from criticism. The President is shown as a hero. However, bias on www.whitehouse.gov is natural and to be expected. The White House website basically reflects what the government wants to reveal to the public; its aim is to foster a positive image for the presidency and not to engage in controversy. The result is an informative and useful, if not objective, Internet resource.

www.whitehouse.gov is up-to-date on the issues. One of the strengths of the site is the fact that all issues are current, recent speeches are posted, and press releases are about current affairs on the mind of many Americans. They are also issues that have been recently discussed in the mainstream television and print media. A student or researcher can begin a course of study by reading some of the recent news articles included on the website. The most current press releases and official speech transcripts, including the State of the Union address, are also posted on the website for the convenience of readers. Press briefings, current news, proclamations, executive orders,… [read more]


Project Management Building a Home Needs Identification Term Paper

… Project Management

Building a Home

Needs Identification

Building a home requires quite a number of things before you can start. It is important that before you go into the process of construction, you must first identify in details the things you will need and have them ready to allow a smooth and continuous flow of home construction. Following are several of the basic necessities when building a home (Cool House Plans Online).

Choosing the Builder

The outcome of the home to be built depends on the skills of the builder. Therefore, before hiring a builder, make sure that trust can be given to him to construct your home. Referrals from friends can be a good way to find a builder. Also, looking at the previous homes that a builder has built in the past can provide an idea on the quality of builder's works.

House Plans

After choosing the builder, he can help during the process of house planning. Some architects welcome the idea of including the builder in house planning. This is because builders can also provide suggestions and comments during the process. A house plan is important in house building because it can eliminate mistakes during the process of house construction.

Financing Needs

Finance identification comes next after a house plan has been made. Actually, the process of creating a house plan may be based from the financial amount that the owner has in his budget (EZHomeBuild). The construction of a house must not start without identifying the monetary budget for the house.

Project Goals and Objectives

The goal and objective of the project is to develop a good project management practice wherein good strategies and…… [read more]


Roxana as Tragedy "Roxana" Stands Term Paper

… She is eager from the first moment to "lay" with the landlord, should it produce her tangible benefits, but she must take great pains to fool all concerned that this is simply not the case.

This is entirely evident when… [read more]


Immigrant Living Conditions Term Paper

… Many immigrants lived in tenements, which by law was defined as a house "occupied by three of more families, living independently and doing their cooking on the premises, or by more than two families on a floor, so living and cooking and having a common right in the halls, stairways, yards, etc." (Tenements Pp). The rooms were subdivided without regard for light or ventilation, and often packed with as many as twelve in a room less than ten square feet (Tenements Pp). Many rooms had no windows and ceilings in some were very low, resulting in little or no light, and most of the rooms did not have tables, chairs, or much of any type of furniture (Tenements Pp).

Sanitary conditions were very poor, outhouses were rarely cleaned, causing noxious odors to permeate through the windows and houses, and "sewage, dirt and other unhealthful things caused many diseases, and the close proximity of the residents to each other meant that diseases were easily spread" (Tenements Pp). Furthermore there was little protection against extreme temperatures as winter drafts entered through cracks in the roofs and windows, and the summer temperatures often turned the brick tenements into virtual ovens, resulting in many residents to spend most the day outside and to sleep on fire escapes during the night (Tenements Pp). Even today, modern housing projects seem to have many similarities to the old tenements, "poor upkeep, lots of crime and violence, and construction made to fit as many people in one place as possible at the expense of reasonable living conditions (Tenements Pp).

Francis Kellor, an early twentieth century immigration advocate promoted citizenship and American values among immigrants (Miller Pp). Early efforts by Kellor led to reforms in New York and the creation of her agency, the Bureau of Industries and Immigration, and was instrumental to the success of the 1915 National Americanization Day (Miller Pp).

Work Cited

Living Conditions for Immigrants

http://www.people.virginia.edu/~eas5e/Sadlier/Life.html

Millemaci, Deborah K. "Dreams and the Harsh Realities."

http://www.virtualitalia.com/gene/immigrant.shtml

Living Conditions in the Tenements.

http://www.geocities.com/rfegles1/tenementliving.html

Miller, John J. "Miss Americanizer. (early 20th century social reformer Frances

Kellor)" Policy Review; 5/1/1997; Pp.… [read more]


Advertising Is Known to Utilize Term Paper

… Thus, the ad ceases to become informative yet maintains its persuasiveness, by misinterpreting statistical results in the said advertisement.

A similar form of misinterpretation through the use of misleading information is utilized in the New York Times Magazine last October 24, 2004, wherein the writer, Lionel Schwartz, reacts to a previous New York Times article arguing that cocoa flavanols may lengthen life expectancy, due to its ability to dilate blood vessels, which helps reduce blood pressure in the human body. Schwartz then suggests that there is parallelism between cocoa flavanols and Viagra, wherein the latter also demonstrates the capacity to regulate blood flow.

The author then translates the cocoa flavanols' effects with that of the Viagra's effectiveness as medication for erectile dysfunction. This is where Schwartz commits a misinterpretation of information: similarities in the effectiveness and function of both the cocoa flavanols and Viagra do not result to the generalization that the latter (Viagra) has the same potential as cocoa flavanols to increase or lengthen life expectancy among humans. This generalization should not be made to create conclusions that may be considered by readers as true and empirically tested, jeopardizing the credibility of both the writer and the newspaper (New York Times). Thus, suggesting that Viagra is as effective as cocoa flavanols just because they have similar functions in the body is a form of misinterpretation that results to disinformation among New York Times' readers.

In sum, it is evident that misleading statements and misinterpretation of data does not only occur among advertisements, but to news articles as well, be they published in a reputable source or not.

Reference:

Link for the newspaper article: http://query.nytimes.com/gst/fullpage.html?res=9501E2DD103AF937A15753C1A9629C8B63.… [read more]


Ethical Leadership in an Organization Term Paper

… Witness any missive one receives in one's mailbox from a local real estate broker, regarding selling or buying one's home -- the photograph of the soliciting agent is always smiling forth from the flyer, reminding the prospective buyer or seller that real estate is about salesmanship and showmanship as much as actual quality. Even if the market is poor, and the house is not desirable, so long as the agent does not misrepresent the actual property, there is nothing unethical about using personal charisma to draw potential customers to look at a home.

Despite his recent financial difficulties, Forbes labeled "Mr. Trump" as "the very definition of the American success story. His fame grew with his fortune and now 'Donald Trump' has become a mega lifestyle brand," including a foray into Armani fragrances. Doing so has made buyers more willing to pay more for his properties, the article suggests, and thus Trump is doing his ethical job. "From his real estate and hotel empires to the hottest reality television show of the moment, Donald Trump has found the secret to success." (Forbes.com, 2004) Although his luxury casinos, golf courses, and entertainment venues, so prominently publicized and receiving of free advertising during last season's "Apprentice" finale may be floundering, surely it is the ethical responsibility of a leader to make use as much of promotional opportunities as they come his way? Is what is good for Donald Trump good for the organizations that bear his name, no matter what?

"The Donald' may like one to think so, but were that the case; his much-publicized romances would be part of his ethical responsibilities as a chief executive. The firing of one of the candidates from the apprentice for anti-Semitic remarks shows that now all publicity is good publicity. Ms. Crisafulli bemoaned her fate, "there's no template for this," she said. "What's the template for going on a reality TV show, getting fired in the most surreal form by Donald Trump and having your real-life world come crashing down as well? I think this is one of the first times in history this has happened. I was on the cover of The New York Post. I'm speechless." (Neuman, 2004) His organization still uncomfortably straddles celebrity and brokerage, but again, because of the nature of the profession, with slightly more comfort than organizations that attempt to project an image of warmth and 'good living' like Oprah and Martha Stewart. By selling his own cutthroat yet purportedly fair approach, Trump seems, fairly or not, to be weathering his organization's financial setbacks and continuing to survive monetarily. He is selling what the public wants to a willing public, and keeping his company afloat, by setting himself up as the ultimate business arbitrator of ethics, professionalism, and drive, whether this image is true or not.

Works Cited

Paradiso, T. (April 19, 2004) The Battle for Business Ethics: Sadly "The Apprentice" Mimics Reality. Retrieved on October 11, 2004 at http://www.fool.com/Server/FoolPrint.asp?File=/community/pod/2004/040419.htm

Neuman, William. (October 10, 2004) "BIG DEAL: A… [read more]


Race Historically Term Paper

… Yet, the second and third generations of Asians have successfully risen to a higher status. Why? They did so because they placed a high value on education and the family, not because their skin color is a lighter tone than blacks. Unfortunately, anyone other than Bill Cosby that tries to point this out is automatically dubbed a racist.

Perhaps it's time to turn from analyzing past wrongs to the point of absurdity as this documentary does and to focus on the present and the future. This isn't to say that everyone has an equal opportunity; certainly the children of the wealthy will undoubtedly have an unfair advantage. But, an emphasis on education to break the cycle of poverty, and a supportive family structure hold more promise for the ability to achieve the American dream than more government policies which only use more racism to combat prior racism.

Bibliography

Race: the power of an illusion episode 3: the house we live in.…… [read more]


Death of a Salesman Term Paper

… Important information is illuminated or explained by means of small vignettes presented as flashbacks in Willy's or others' minds. The vignettes provide not only history but important information about the real-time setting of the play. The play actually takes place over decades, starting when the sons, Biff and Happy, are young boys and moving back and forth in time to the present, when the oldest, Biff, is thirty-four years old.

The point of attack in this play begins early, as soon as Linda, Willy's wife, begins to try to provide possible solutions for Willy's anguish. He feels closed in, but criticizes her plan to take a drive in the country. She suggests a rest, or a change in territory, but Willy vetoes every suggestion. He continues this when he rejects Charley's offer of a job.

Exposition occurs throughout the play in the form of flashbacks. They play a crucial role, because they demonstrate how completely Willy has been seduced by the desire for wealth and popularity. His conflict with this desire is hinted at by his last name, which is pronounced "Low-Man," and his wife's first name -- Linda, in Spanish, means "beautiful."

In the rising action, Willy's repeated flashbacks, which he appears to have no control over, demonstrate his deteriorating state of mind. It reveals the permanence over time of Willy's problem: this is not some sudden crisis he is going through but a continuing pattern of maladaption and unwillingness to live happily as who he is that leads to tragedy. In the rising action we see that Biff cannot hold a job and that Happy is impulsive, and drifts through life without any real thought or planning.

Finally Biff, in the climax of the play, confronts Willy about what they really are all like, which is more than Willy can deal with. In the falling action he plans his suicide. The denouement occurs at Willy's graveside. Virtually no one has attended the funeral of the man who thought popularity was the most important quality a man could have. Linda tells Charley that Willy had all the wrong dreams, but Charley understands dreams and knows that it's the dream that drives a salesman on. It is ironic that the only reason Willy's suicide solves any problems is because he borrowed money from Charley to pay his life insurance. Linda notes in tragic irony that Willy was blind to the achievements he did accomplish: the mortgage on the house is paid off. Most people would have seen that as a significant accomplishment, but Willy had his own, flawed, definition of success.… [read more]


Nitrate, Aluminum, and Lead Term Paper

… ).

Links between nitrate and gastric effects are well documented. In one study by Gupta et al., children with high nitrate levels in drinking water in India were demonstrated to have recurrent diarrhea.

Nitrate within the water supply has also been linked to gastric cancer and nitrate in the diet. High rates of nitrate exposure are linked to a higher risk of gastric cancer in areas like Denmark, Italy and Hungary. However, these findings are not universally consistent, and British studies have failed to maintain this link between high levels of nitrate exposure and gastric cancer (Walker).

In water, nitrate is converted into nitrate, which in turn can combine with fetal hemoglobin and then be converted into methaemoglobin. In high enough concentrations, methaemoglobin had been reported to cause cyanosis and therefore result in children's deaths (Walker).

Nitrate has also been linked to a number of other heath concerns. These include gastric lymphoma, thyroid disorder, birth defects, and spontaneous abortion (Schubert, Knobeloch, Kanarek and Anderson).

In adults, nitrate may have an effect on the brain. Neurological effects of nitrate exposure in drinking water have been suggested as a possible health effect of nitrate exposure in adults.

Lead

The effect of lead on human health is well-known. Lead often enters the water supply through plumbing in homes that were built prior to 1964. As such, people in older homes with acidic water are at the greatest risk for lead poisoning (Walker). In the United States, lead poisoning is a major environmental health problem that affects children (Government Printing Press).

Intellectual retardation is one of the most serious of the potential effects of lead poisoning. Since 1970, a number of studies have implicated high levels of lead in the blood with lowered measures of intelligence. As such, lead appears to have a strong effect on behavioral and learning problems in children (Walker).

Abdominal pain is a well-known result of lead toxicity. However, little is known about the results of long-term exposure to low levels of lead (Walker).

Lead in drinking water has also been linked to a number of other health effects. These include headache, and irritability. Lead poisoning can eventually lead to coma and death (Walker).

Conclusion

In conclusion, nitrate, aluminum, and lead are harmful contaminants in a human water supply. Aluminum has a long link with brain and bone diseases, as well as anemia. Nitrate is known to have gastric and neurological effects, among other health implications. Similarly, lead is known to be linked to abdominal pain, intellectual retardation, and other health effects. Today, given the variability of the water supply across the United States and worldwide, numerous individuals are currently at risk for the serious health implications of nitrate, aluminum and lead in the human water supply.

Works Cited

Government Printing Press. Lead-contaminated drinking water in bulk-water storage tanks - Arizona and California. 1993. Morbidity and Mortality Weekly Report, v. 43, n. 41, p. 75.

Gupta, S., Gupta, R., Gupta, A., Seth, A. Bassin, J., Gupta, A. And Sharma, M.… [read more]


Confusing Features in Consumer Products Term Paper

… As in Staples' case, the stratified people in this case are black American males, who, because of certain prejudices people hold against them, result to different attitudes and behavior, physically manifested when taken into the social environment of America's dark city streets. Staples provides an insightful essay where he tells his audience how, in the face of hostility of these people with prejudices against black American males, he has learned to cope by explicitly making it clear that he is harmless and far from what they think he is -- that is, by whistling while walking on dark streets and becoming congenial to police officers and people who mistake him for a burglar or an offender.

Neat People vs. Sloppy People by Suzanne Britt provides a comparative analysis that imaginatively looks into the explicit and implicit meanings behind people who are neat or sloppy. Through effective descriptions and persuasive assertions, Britt goes further into the surface of neat and sloppy people, illustrating the former as people who are "lazier and meaner" than the latter. Comparing sloppy people with neat ones, Britt looks into how people give value and importance to things as the primary gauge that determines the 'morality' of sloppy and neat people. Since sloppy people tend to value things to the point that they hardly discard them, she considers them as better people than the neat ones, who, in a point of exaggeration, Britt asserts, will even "toy with the idea of throwing the children out of the house just to cut down on the clutter." In effect, Britt's essay provides readers with imaginative, yet sensible argument on why, based on a "moral gauge," sloppy people are better than neat people, contrary to the popular belief that being sloppy is bad and being neat as a…… [read more]


Trudged Through the Mud Term Paper

… As so many real estate transactions become bogged down by building codes, economic barriers, deed and titular issues, and increasingly more environmental codes, I become fascinated with Real Estate Law, which is why I now seek a law degree. I intend to bridge the two worlds I am currently a part of: the business of real estate and the business of environmental protection, improvement, and sustainability.

With a law degree I can mediate between environmental and real estate laws to bolster and support the budding Green Building industry. In addition to assisting real estate firms to work within sound environmental guidelines, I also plan on affecting public policy regarding real estate and the environment. With my law degree I can therefore bridge the sometimes wide gap between the construction industry and environmental organizations and agencies. Moreover, with my advertising background, know-how and finesse, I can present and sell my ideas to local, state, and even national agencies.

I believe I have the potential to positively impact both the fields of law and environmental policy, but I will need to approach these dreams one step at a time, first by becoming bar certified and second by obtaining a real estate license. Whether I end up working for a private company, a non-profit NGO, or a governmental agency, I am confident that I will help create positive policy changes and assist individuals and businesses in understanding and working with the laws governing real estate, construction, and sustainability. My familiarity with the day-to-day workings of the EPA and local real estate firms has offered me a firm foundation from which to build a unique and rewarding career spanning these two seemingly disparate but increasingly interrelated areas.

The Green building that I visited with James that day, which when finished was sold immediately in spite of some glitches with local and state laws regarding being hooked up to the public works, solidified my desire to pursue this exciting career path. As a matter of fact, realizing how difficult it can be for Green Builders to work around existing infrastructures and presuppositions provided me with extra impetus to pursue this path. Moreover, as I have also worked with real estate brokers and salespeople in traditional transactions with traditional homes, I am equally aware of the need to establish and follow environmentally sound building procedures. Such considerations are especially important in places where natural resources and energy sources can be scarce.

A look forward to working with professors, staff, and other graduate students interested in these areas of research so I can learn how to hone my interests and apply them reasonably to the working world. Hopefully, while in law school I will have the opportunity to participate in internships and other hands-on programs that will bolster my ambitions and talents. Thank you for…… [read more]


Future House, to Be Built Term Paper

… Internal moldings will be made of the same dark wood as the entrance door, and floorboards and windowsills will be of the same material.

Acoustics are also important in a house. The prevalence of stone and large spaces in the house may create an area with a lot of echo and noise. Carpets will help to reduce this noise, and a small Gothic-style fountain of a gargoyle in the foyer will create white noise.

While this house is built in the Gothic Revival style, its inhabitants will be technologically adept. Therefore, the house must incorporate many features necessary to business in today's world, including "smart house" technology. The house will be completely wired to allow for computer networking. This will include wiring to the kitchen, bedrooms, den, library, and basement.

A small, secure and fireproof room will be maintained in the basement to house a server computer for an internal, in-house LAN (local area network). Each wired room will allow access to this in-house server.

Landscaping of the house will attempt to soften the imposing three-story facade and grey exterior. Ivy will be allowed to climb external walls, and a 4-foot hedge will create visual appeal. Small flower gardens will line the stone walkway to the house. The back yard will incorporate a small pool, and also contain flower gardens, and fruit trees. A two-car garage will be built in the rear of the house so as not to disturb the house's architectural appeal.

In conclusion, this house attempts to combine the feeling of Gothic Revival architecture with many of the realities of modern life and construction. Thus, the general themes and feelings of Gothic Revival architecture have been incorporated into a thoroughly modern house that should allow the inhabitants to be comfortable and secure.

Works Cited

Colorado Historical Society. A Guide to Colorado Architecture. 08 December 2003. http://www.coloradohistory-oahp.org/guides/architecture/styles/gothic.htm

The Columbia Encyclopedia, Sixth Edition. Gothic Revival. 08 December 2003. http://www.bartleby.com/65/go/Gothicre.html… [read more]


Wearin' of the Green Term Paper

… "

The two girls smiled back at each other. It was a little joke they had. Margaret-Mary was really proud of her double-fisted first name. Ma said she was named after a saint who lived in France a long time… [read more]


Bush Administration's Section 8 Voucher Term Paper

… Some states have passed laws restricting how long welfare recipients can receive financial welfare aid (Goldstein, 2003). If states put similar restrictions on how long families can live in Section 8 housing, this would effectively reduce the demand for Section 8 housing. The federal government currently has no stated plans to enact such a plan, but they also want to turn management over to the states, so their statements provide no assurance to property owners or prospective property owners.

This kind of uncertainty may cause current owners of Section 8 approved housing to put their units on the market and get out of that market before laws clearly turn against their financial interests.

Bibliography

Castellanet, Craig. 2003. "NHLP Preservation e-News #3." National Housing Law Project, Oct. 27. Accessed via the Internet 10/27/03. http://www.nhlp.org/html/pres/email/pres_3.htm

Goldstein, David. 2003. "Bush plans scrapping HUD 'section 8' voucher program for state grants." Northern Illinois University (Knight-Kidder News Service). Accessed via the Internet 10/27/03.…… [read more]


Springtime Think Essay

… Taking a walk is much more refreshing than cleaning the refrigerator, and healthier too.

When I walk, I like to walk in the park, on the fresh new grass poking its way toward the sun. Bright green and ready for a new day, its soft and silky on my bare feet, and it makes me feel new and fresh, too. I love the aroma of new spring grass, especially right after the lawnmower hits it for the first time. It smells incredibly clean and fresh, and represents everything spring is to me. Take a deep breath and smell spring, right beneath your feet.

Springtime is a beautiful, special time. I feel as renewed as the plants around me, and after a few days of enjoying the buds and blooms, singing birds, and new-mown grass, it's time for me to tackle spring-cleaning. I guess that's why they call those things under the bed "dust bunnies" - they only come out in spring, when it's time to clean the house, and give it a new beginning, too.… [read more]


Passive Solar Architecture Is Nothing Term Paper

… This wall is made of high density materials, such as masonry, stone, brick, adobe, or water-filled containers, then is painted a dark color to effectively absorb the solar radiation.

So, what are the advantages of having a passive solar house? A well-designed passive solar house can reduce energy bills by at least 75%! A solar house does cost an additional 5-10% to build, but that cost is recovered by the energy savings. Without the need for mechanical or auxiliary resources, there is not a need for extensive heating or cooling costs, and in many parts of the United States, passive solar houses do not need additional energy to heat or cool them. With the current and projected fuel costs, the additional construction costs are recovered very quickly. In fact, the state of Arizona offers a one time tax incentive of up to 25% for up to $4,000 of passive solar enhancements made to the house.

There are also disadvantages to a solar house. The intense glare of the sun in direct gain type designs can fade furniture fabrics, and other surfaces. To some people, this is a big disadvantage. Privacy is another problem with a solar house -- windows. If the occupants can see out of the house, then the rest of the world can see in. It might be best, while planning the house, to put the bedrooms and bathrooms out of sight of the windows. Back in the 70's, when passive solar houses started becoming popular, the media largely contributed to the myth that overheating of the houses in the summer is common.

Many buildings today incorporate the passive solar design. In Ames, Iowa, there is a super-insulated, direct gain passive solar home, designed by David A. Block and Laurent Hodges. It is aptly named, "The Hodges Residence." This home used concrete cored slabs for heat storage, which was an innovative development when it was built in 1978-1979. The primary thermal storage in the home is the floor between the two levels, which consists of 8-inch thick concrete slabs with 2 inches of exposed aggregate on top, for a total mass of 40 tons. This house was intended to serve as a demonstration of the state-of-the-art energy efficient house designs for the state of Iowa. It met its goal, and is continuing to serve as a model for residential energy conservation workshops held through the University of Iowa's extension office.

When Socrates first made those observations about the effective use of solar heat, he probably didn't envision the progress made today. Effective use of solar heat will increase comfort and performance levels, while decrease energy costs. As for the disadvantages, there are things that people can do to minimize those, such as glazing the windows or putting up window coverings.

Bibliography

Holloway, Dennis R. Architecture Solar Virtual Reality Native American Archaeology. 6 December 2002. www.taosnet.com/architectVRe/html/SolarDesignb.html

Passive Solar Heating and Cooling Page. Arizona Solar Center. 6 December 2002. www.azsolarcenter.com/technology/pas-2.html

Hodges, Laurent. The Hodges Passive Solar Home in Ames, Iowa.… [read more]


Real Estate According to New Term Paper

… Still, the commercial real estate rental market is not expected to recover until the majority of the sublease space is absorbed and the leasing market resumes normalcy. Experts say this may occur sometime next year.

Holusha's article quotes Stephen B. Siegel, chairman of Insignia/ESG, the brokerage and services company as saying: "The wave of sublet space creates uncertainty about rents because 75% of it has no asking price."

Sublet space is a good alternative for companies that do not want to make a large capital expenditure in uncertain economic times, due to the fact that the space is usually fully built out and equipped for use.

If a company needs 60,000 square feet of space, it could make a deal directly with the landlord in the high $30's or low $40's, and pay the capital expenditure for the buildout. Or it could sublease space from a company with too much space for about $25 per square foot that is fully built. While these deals may be short-term, they will definitely save the company some money.

Some dot-com firms spent millions of dollars to build out space, only to find that they would not need it. As a result, thousands of square feet of highly improved dot-com space is on the sublease market.

According to Halusha's article, there was approximately 13.2 million square feet of vacant Class A space in Manhattan in September 2002. This space is divided almost equally between Midtown (6.86 million square feet) and downtown (6.34 million square feet.) Much of the recent increase has been concentrated in Midtown. Prior to Sept. 11, there was 3.64 million square feet of Class A space available in Midtown before Sept. 11, 2001. This number increased to 4.82 million square feet in the second quarter of 2002.

However, these Class A spaces are likely to be rented before the older and cheaper Class B and C. properties, say experts. The Holusha article quotes Mitchell Steir, vice chairman of Studley as saying: "The best quality product will always lease first, even if the number is a little lower than the owner would like."

Many brokers share the opinion that companies should take advantage of low lease rates while they are still at record low. According to Michael T. Cohen, president of Williams Real Estate, the buildings of the World Financial Center, which were close to the World Trade Center and damaged in the terrorist attack, are great bargains.

Downtown properties are hard to fill at this time due to lingering transportation problems, uncertainty about what will happen at the Trade Center site, and the emotional aftermath of the attacks.

Conclusion

Commercial real estate experts agree that amidst the chaos caused by Sept. 11 is the opportunity to take advantage of excellent leasing deals, including concessions, free rent, more flexibility and better lease terms.

The sublease market seems to be the hottest ticket right. Landlords with lease space tend to hold out longer with prices and have a stronger stomach for the market,… [read more]


Everglades and the Problem Term Paper

… However, humans have destroyed the way the Everglades operate. Over the past century, people have developed and implemented a system of dikes, canals, levees, floodgates, and pumps which transport water to agricultural lands, then to urban areas, and finally to Everglades National Park. These alterations have disturbed the alternating wet and dry seasons that many animals are used to, resulting in the endangerment of many of the Everglades' animals.

The first water management activities of humans were designed to drain the Everglades and exploit the natural resources of rich soils and tropical climate for agricultural development. Years later, the canal system was improved for navigational use to move products to coastal markets. Humans created canals, pump stations, and structures to provide water supply to coastal areas, and flood protection for agricultural development. Over the years, management priorities of this system have evolved, with an emphasis on flood control during hurricane years, water supply during droughts and, more recently, environmental protection of Everglades' natural resources.

The Comprehensive Everglades Restoration Plan has been created as a solution to the problem of water supply. The plan addresses not onlythe issue of restoring the Everglades, but also quenching the increasing thirst of South Florida, to ensure its continued economic development and success.

The plan aims to implement a complex network of reservoirs, treatment areas and recovery wells, totaling 217,000 acres, all of which will be coordinated to manage the wet season water, distribute for dry season shortage, and clean up the contamination of water of mercury and other damaging pollutants.

This multi-billion dollar project to restore the Everglades won't correct the damage that has been done but hopefully it will increase water flow and reduce many problems that have come about because of the increasing population and effects of human intervention.

Bibliography

The Florida Everglades: A Model of Destruction. Florida Internet Center for Understanding Sustainability (FICUS), University of South Florida. 1999.

Alden, P., Cech, R., & Leventer, A. National Audubon Society Field Guide to Florida. National Audubon Society, 1998.

Douglass, M. The…… [read more]


Marketing Research Term Paper

… Unfortunately only 1.8% of Cumberland County residents farm, which can affect the need of dogs and cats for work animals (http://quickfacts.census.gov/qfd/states/34/34011.html).

Length of Residence

How long a person lives in the same house can affect their decision to adopt an animal. Those who live in the same house for five or more years may be more inclined to adopt since they won't have to worry about trying to move with an animal or finding a new home that is suitable for their pet. In Cumberland County, 60.9% of the population have lived in the same house since

1995 or before (http://quickfacts.census.gov/qfd/states/34/34011.html).This demonstrates stability in the households, thus increasing the chance of these families adopting a pet.

This is also good news for the SPCA because fewer animals will be abandoned by owners who are unable to keep them when they move.

Income

The amount a person makes can have a big impact on their decision to get a pet.

If a person is just able to pay their bills, they are unlikely to take on the added burden of an animal.

When you take into consideration food and vet bills, pets can be a costly addition to a household. Additional expenses include litter for cats, boarding for the pet if the owner goes out of town, and pet deposits for those who rent.

The median income for Cumberland County in 1999 was $39,150 per household and $45,403 for families (http://quickfacts.census.gov/qfd/states/34/34011.html).

These households have the ability to care for a pet financially, making them better candidates for adoption.

Conclusion

There are many aspects the SPCA can look at when deciding a marketing plan for pet adoptions. These include age, income, type of household and length of residence. The demographics for Cumberland County provide encouraging news for the SPCA. There are numerous households in this area that can provide loving homes for needy pets.

Works Cited

Cumberland County, New Jersey (accessed 10-26-2002) (http://quickfacts.census.gov/qfd/states/34/34011.html).… [read more]


Room We Spent About Fifteen Essay

… The rug was an Old Persian carpet full of attractive colors like blue, red, green etc. And had a beautiful design crafted on it.

The appearance and the structure of the room had some distinguished features in it that makes the look of the room pretty unique. For instance, despite having several things like toys, books etc. spread all over the room, the room used to appear pretty well cleaned and managed. Another quality of this room was while sitting in it a person had a feeling of comfort and calmness. Whenever I had a feeling of disappointment or had any anxiety in my mind, I used to get seated in this room and relaxing or sometimes daydreaming on the stairs adjacent to the room.

In short, this room was a place of escape for me as well as a place to seek comfort. I spent almost all of my childhood playing in this room and this long-term association developed a kind of attachment with it. While sitting in this room I had recalled my past and good memories associated with it. The old furniture, the ragged couch and the old rug, placed in this room, gave me a pleasant feeling.

It is not unusual to feel such kind of association with one's home or even with a room. We human beings are in a habit of forming a kind of an affinity with certain things, which have some sort of influence in our lives. In my case, I used to feel affinity with this room because certain memories were associated with it and besides I had spent a considerable part of my life while remaining associated to that room in one way or the other. In conclusion, we develop positive attitude for certain objects or events, which have in some way positively affected our lives. This positive attitude further leads us to develop a kind of an affinity with those objects…… [read more]


Caninantics Comprehensive Marketing Plan Marketing Plan

… Caninantics Comprehensive Marketing Plan

Marketing Metrics Overview

There are five categories of essential marketing metrics that most companies -- particularly retail ones -- will want to consider for their marketing plans. Metrics are "quantifiable outcomes" (Tescasiu, 2015, p. 125) for results of marketing plans. The five categories include sales metrics, customer readiness to buy metrics, customer metrics, distribution metrics, and communication metrics. Each of these metrics pertains to important categories that organizations will need to monitor in order to successfully market their products. Sales metrics are necessary to determine the efficacy of marketing plans -- specifically, how well they affect the sales process.

There are two different customer metrics largely because customers are the life of any successful business. Readiness to buy is vital to monitor because it illustrates what stage in the buying process customers are based on their marketing efficacy; meanwhile, the customer metrics are designed to gauge other assets of customer behavior that can greatly influence the purchase of a product. Distribution metrics require monitoring because they are indicative of how readily available a product is to one's consumer base. Finally, it is important to evaluate communication metrics to determine how well a company's marketing is actually getting across to customers and to the general population as a whole.

Application to Fictional Company

The sales stratification metric that Caninantics will pay the most attention to is sales from new products. This metric has particular relevance for this company, which is itself a new company. Therefore, all of its initial sales that pertain to its new dog food dispensing product are included in this category. Typically, this metric is used to determine the effectiveness of new products as they compare against more traditional or established products for a company, and to provide a means of "optimizing" (Milichovsky and Simberova, 2015, p. 211) them. However, since all of the products for this startup are encompassed in this category, it is vital to assess how the company's products are doing in general. The initial sales of the aforementioned product will be calculated in a multiplicity of ways. These include number of products sold, the amount of money generated from them, as well as information pertaining to the revenue of these products. This metric will be utilized in this company to ascertain initial public reaction to the overall marketing plan.

The most valuable customer readiness to buy market to keep track of is customer awareness. Again, this reality is largely predicated on the fact that the product is a brand new one from a start up company. Therefore, gaining awareness of this product, and of its parent company, is an imperative. Moreover, it would be foolish to take for granted any aspect of customer awareness, especially since the public has not had any considerable length of time to get acclimated with it. In general, this metric is designed to understand how much the general public is even aware that they have a purchase choice in the form of the particular…… [read more]

NOTE:  We can write a brand new paper on your exact topic!  More info.