Progression Of Late Life Romantic Relationships - 813 Words

Progression of Late Life Romantic Relationships Malta and Farquharson (2014) conducted this research study in order to explore the formation and progression of late life romantic relationships of 45 (21 Men and 24 Women) Australian participants who were over the age of 60 and in a romantic relationship that began recently. These participants were recruited online and through ads posted in the local newspaper and radio. The researchers conducted in-depth qualitative interviews that lasted at least an hour but no more than 2 hours. The researchers recognized that this was a convenience sample so the results cannot be generalized to the entire population of older adults. The transcripts for each interview were then coded and analyzed for major and sub themes. After the interviews were analyzed, it was found that although all the participants wanted meaningful long-term relationships, 20 participants were engaging in short and casual relationships while the other 25 were developing long- term relationships. These older adults valued an egalitarian relationship that is based on mutual intimacy but they did not want to settle for something less than what they wanted which caused some of them to continue casually until they found what they were looking for. Online dating access allowed these individuals to have a greater pool of prospects which is something that was not available to this particular population years ago. Those who were in committed relationships chose to liveShow MoreRelatedHamilton : An American Musical1358 Words   |  6 Pagesconventions, compelling characters and their interactions, beautiful musicality, and the progression of its plot. There are many that see this musical masterpiece as Hamilton’s true autobiography. 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According to Huxleyan prophecy, a population that relies on constant distractions and entertainment by technology contributes to the downfallRead MoreWilliam Shakespeares Taming of the Shrew William Shakespeare’s romantic comedy, The Taming of1100 Words   |  5 Pages William Shakespeares Taming of the Shrew William Shakespeare’s romantic comedy, The Taming of the Shrew, is an embodiment of the context in which the text was shaped, the Renaissance. The Renaissance period was a time of progression, primarily in the areas of art, science, humanism, religion and self-awareness. The Renaissance focused on taking elements of the past including religion, art and science and adapting them to make them better. Humanists advocated for the freedom of the individualsRead MoreTechniques and Concerns of Modernism1482 Words   |  6 Pagesthe conventional art and literature of mid- to late 19th century. 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Rumors, Lies and Argumentative Essay Topics on Education

Rumors, Lies and Argumentative Essay Topics on Education Exploring an alternate perspective makes it possible for scholars extend their viewpoints. Reading the essay backwards is an exemplary approach to catch such mistakes. In the conclusion, the thesis does not need to be stated directly, but if you compose an essay you need to be certain that the reader remembers the crucial points. Our customer support will gladly tell you whether there are any special offers at the present time, in addition to make sure you are getting the very best service our company may deliver. If you are not sure of how to begin your very own argumentative essay, take a while to read sample arguments online. Professional essay writing service by our finest experts offers only quality, our site gives you a detailed guide to writing different kinds of essays. Order top-notch essay at this time and certified specialists will do their very best to supply you with higher quality at fair price. Most Notic eable Argumentative Essay Topics on Education Nobody would like to leave an article which they are reading with questions unanswered. When you choose a topic, make certain you select a well-defined, controversial matter. If you pick a challenging essay topic for a specific reason, or when you have zero choice and thegiven topic doesn't interest you much, do take the assistance of Professional Advisers. At times, an essay is awarded low a minimal mark when a student employs imprecise concepts, once the argument in favour is nearly like the opposing side and as soon as the student can't refute or discount an objection. Also, it all depends for the method of life and so on the amount of the debut of the person. Therefore, for your convenience, you have a superb chance to monitor the development of the assigned writer and make sure an essay will be ready in a timely way. More to the point, the conclusion of your essay needs to give a feeling of closure. How to Get Started with Argumentative Essay Topics on Education? In the instance of a causal analysis essay, your thesis statement should include the precise causes and effects you're examining and why. Argumentative essay topics on public transport will explain the reason it's better to use public transport or why it's not. Economics is an area of a social science which addresses the distribution and consumption of products and solutions. So, the next time you are requested to compose a reflective essay, you understand that you must voice your opinions, however bizarre they might appear to others. At length, it's important to get a strong conclusion showing that you're certain to have proved your point. The second and third paragraph needs to have a history to the issue, past attempts that were made to reach a solution. The third and fourth paragraph should give the seriousness of the issue and the repercussions if the issue isn't solved. Argumentative Essay Topics on Education at a Glance Writin g process informative essay Being in a position to compose a five-paragraph essay is a significant skill that you'll need so as to secure you through your education here is an easy outline of how to. Otherwise, there's a wide range of exemplification essay topics to pick from. Economic essays are therefore not that hard to write, all you need to do is to decide on a proper topic for essays on economics. Otherwise, your essay might seem unfocused. Discursive essays frequently have transitional wording leading in the next paragraph. Argumentative essays follow an overall format. An effective GRE essay is one which is planned out beforehand. The example essay is among the absolute most basic essays in academic writing, but may be exceedingly difficult if you've never written one or don't know what things to write about. The introduction is key once you compose an essay since it provides the audience a glimpse into the matter, and supplies the writer with a chance to state the thesis of the total essay. The principal body of the essay needs to be separated into three paragraphs. Top Argumentative Essay Topics on Education Choices To be fair, however, you will find that one of the very first things you have to do is become a specialist on the problem. You must be affirmative once you state the argument topic. So, though lots of people want abortion, and others do not want it, it's not a very clear line and nobody has been in a position to locate a decisive definition of when abortion becomes murder and when it ought to be allowed. Some people believe abortion is extremely bad and that it should not be permitted in any respect. You can be positive, you will secure the very best amount of excellent education essay titles report, given that we finally have onlyprofessional writerswith the very good working experience. Typically, reflective essays act as an assessment mechanism, for both, students, and the teachers, and at times even the administration. All things considered, having academic skills alone isn't any panacea for success in the job place. Sturdy researching typically results within far more questions.

The Landlady and Lamb to the Slaughter free essay sample

The Landlady and Lamb to the Slaughter written by Roald Dahl, an important setting is the households. They show us the importance of appearance vs. reality, as they show how things can often be different to how they seem, and that we can be easily deceived if we are too reliant on looks. This is shown through techniques such as irony, listing and adjectives. The Landlady is a story about a young man who believes he has found a safe place to stay, when in fact it is one of the most dangerous places for him. Appearance vs.  reality is shown in The Landlady through the Bed and Breakfast or the Landlady’s home. It seems the same as all the other houses on the street, not arousing any suspicion in Billy about that particular one. In fact, Dahl hints that Billy may have been able to pass by the house completely if he had not caught sight of a notice in the downstairs window that was â€Å"brilliantly illuminated†. As this catches Billy’s attention, he also notices many other appealing aspects of this Bed and Breakfast, such as â€Å"yellow chrysanthemums green velvet curtains a bright fire a pretty little dachshund†. These adjectives lull Billy in to a sense of security and peace, making him feel that this will be a safe place to stay. The technique of listing all these features makes it easy for us to imagine what Billy sees, and understand how he could have been deluded in to thinking it would be a pleasant place, when it is actually a formidable place for him. He only realises this too late, though we can later realise clues Dahl has left: â€Å"There were no other hats or coats in the hall. There were no umbrellas, no walking sticks—nothing† which would be odd at a social establishment like a Bed and Breakfast. These subtle connotations make us realise how we can miss out details, realise them later but only once it’s too late to do anything. It shows how if we are perceptive seeing the reality and appearance we can avoid getting into situations that we can’t get out of. Lamb to the Slaughter is a story about Mary Maloney who is just a normal housewife. However, when she finds out her husband plans to leave her something within her changes and she kills him with a leg of lamb. In Lamb to the Slaughter, appearance vs. reality is shown through Mary Maloney’s house. The middle class, cosy home reflects Mary Maloney herself; harmless and gentle on the outside. The setting makes us feel comfortable, not alerting us to anything out of the ordinary; the calm, carefully made home seeming to be the last place a murder could occur. As the house resembles the owner, it is easy to see the way Mary managed to keep the police from suspecting her. When the police come to solve the homicide, they believe that the weapon is â€Å"probably right under their noses†. The technique of irony makes us see how easily Mary is able to fool the police officers, reacting in a normal manner to something as horrific as murder. Irony enables us to see what the officers must be thinking, and understand how they are completely right about the murder weapon being under their noses, however they have no idea how on track they are. The setting is ironic as crimes are often portrayed in alleyways and lower class neighbourhoods, not in ordinary middle class homes. The reality of murder happening in a decent neighbourhood, to a seemingly happy family shows us how our view of things can be distorted by movies and books. Because Patrick was their co-worker the police are probably familiar with the house and Mary, making them unable to see that everything is almost too normal. We can see how important it is to remain unbiased, and not dismiss people we know and settings that seem ordinary, as they can be hiding things within. The message of appearance vs. reality is highlighted through the settings, both houses making us feel comfortable. In The Landlady, her home makes us feel like Billy is visiting a well looked after home of â€Å"the mother of one’s best school friend†. In Lamb to the Slaughter, Mary Maloney’s home is warm, with everything in its rightful place. It is modest and seems like the kind of home any caring wife would want to make for her husband. Both settings seem to be nothing out of the ordinary, hiding the fact that terrible things can go on there. The adjectives used to describe the houses show us how normal and attractive the houses seem: â€Å"Certainly it would be more comfortable than The Bell and Dragon. † A difference between the stories is that Dahl hints that there is something wrong about the Landlady’s house, outlining things that make us feel slightly uncomfortable, warning us that things aren’t as they seem; whereas Mary Maloney’s house is described extremely normally, almost too normally. Though Dahl does leave some clues in Lamb to the Slaughter, we don’t notice them until we know what has happened. Both homes are certainly very loved, as they are the places where the protagonists reside with their loved ones,   dead or alive. They are seemingly perfect homes, were one would feel adored and comfortable. Both settings are places where we wouldn’t think murders would take place, such as the â€Å"House of Horrors†. While 25 Cromwell Street, Gloucester was not in a â€Å"good area†, the residents of the Victorian semi-detached house seemed like a perfectly normal couple. However, this is where the occupants Fred and Rose West were able to murder at least eleven girls and young women. This shows how criminals we have underestimated like Mary Maloney and the Landlady can hide in places where we would least expect to find a killer, making the most of our assumptions. In conclusion, the settings in both Lamb to the Slaughter and The Landlady are important. They help us understand how things are not always how they seem, and that we can underestimate things that seem ordinary. They show us the importance of appearance vs. reality through techniques such as adjectives, irony and listing.

Queen Isabella of Castile Essay Example

Queen Isabella of Castile Paper Queen Isabella of Castile Imagine being born into a place renewing and renovating its knowledge. Not only imagine this, but imagine being a part of the royal family. Imagine choosing a suitor, and then imagine being a queen. Now, when you’re imagining these things put yourself in their shoes. Deeply and thoroughly look into all the challenging responsibilities a queen must go through on a daily basis. Queen Isabella of Castile is such a shining prime example of powerful queen ship during the Renaissance. Isabella of Castile had blue eyes, chestnut-haired, and beautiful. She favored jewels and lovely gowns that she wore throughout her life. As heiress to the throne of Castile she had her pick of royal suitors. Her brother, King Henry IV of Castile, arranged a marriage to Don Carlos, the Prince of Viana. But before the final arrangements could be made, Don Carlos died. King Henry IV had tried to arrange other marriages to Isabella, but she had already chosen Ferdinand. Her brother was furious. He threatened to throw her into the dungeon. Because of her powerful supporters, he knew he could not do that. Instead, he made her promise that she wouldn’t make any arrangements until after he returned from Andalusia. However, as soon as her brother left she began to make arrangements with Ferdinand. However, she had to find him. So she sent out noblemen to search for him and he was finally found in Sicily, Italy. He braved a trip back to Spain and married Isabella in 1469. This began the thirty-five year joint rule of a unified Spain by the Catholic Monarchs. We will write a custom essay sample on Queen Isabella of Castile specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Queen Isabella of Castile specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Queen Isabella of Castile specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Isabella had five children with Ferdinand which include: Isabella, Queen of Portugal, John, Prince of Asturias, Joanna I, Queen of Castile, Maria, Queen of Portugal, and Catherine, Queen of England. Isabella is famous for many important things. The most famous would be her sponsorship for Christopher Columbus to sail across the Atlantic Ocean in hopes to find a way to get to India. In 1492, Isabella was convinced by Christopher Columbus to sponsor his voyage of discovery. By the traditions of the time, when Columbus discovered lands in the New World, they were given to Castile. Isabella took a special interest in the Native Americans of the new lands. When some of them were brought back to Spain as slaves she insisted they be returned and freed, and her will expressed her wish that the Indians be treated with justice and fairness. Another important thing she is famous for is the Inquisition in Spain, one of many changes to the role of the church instituted by the monarchs. The Inquisition was aimed mostly at Jews and Muslims who had overtly converted to Christianity but were thought to be practicing their faiths secretly. Isabella and Ferdinand proceeded with their plans to unify all of Spain by continuing a long-standing effort to expel the Muslims who held parts of Spain. In 1492, the Muslim Kingdom of Granada fell to Isabella and Ferdinand. That same year, all Jews in Spain who refused to convert to Christianity were expelled by royal edict. Queen Isabella of Castile is such a shining prime example of powerful queen ship during the Renaissance. She had disagreements with her brother, married Ferdinand, sponsored a voyage to The New World, and started the Spanish Inquisition. So how would you like to be a queen during the Renaissance, again?

Free Essays on Life As A Rope

Hiking to Understanding Surrounded by thousands of stars, complete silence, and spectacular mountains, I stood atop New Hampshire's Presidential Range awestruck by nature's beauty. Immediately, I realized that I must dedicate my life to understanding the causes of the universe's beauty. In addition, the hike taught me several valuable lessons that will allow me to increase my understanding through scientific research. Although the first few miles of the hike up Mt. Madison did not offer fantastic views, the vistas became spectacular once I climbed above tree line. Immediately, I sensed that understanding the natural world parallels climbing a mountain. To reach my goal of total comprehension of natural phenomena, I realized that I must begin with knowledge that may be uninteresting by itself. However, this knowledge will form the foundation of an accurate view of the universe. Much like every step while hiking leads the hiker nearer the mountain peak, all knowledge leads the scientist nearer total understanding. Above tree line, the barrenness and silence of the hike taught me that individuals must have their own direction. All hikers know that they must carry complete maps to reach their destinations; they do not allow others to hold their maps for them. Similarly, surrounded only by mountaintops, sky, and silence, I recognized the need to remain individually focused on my life's goal of understanding the physical universe. At the summit, the view of the surrounding mountain range is spectacular. The panorama offers a view of hills and smaller mountains. Some people during their lives climb many small hills. However, to have the most accurate view of the world, I must be dedicated to climbing the biggest mountains I can find. Too often people simply hike across a flat valley without ascending because they content themselves with the scenery. The mountain showed me that I cannot content myself with the scenery. When night fell up... Free Essays on Life As A Rope Free Essays on Life As A Rope Hiking to Understanding Surrounded by thousands of stars, complete silence, and spectacular mountains, I stood atop New Hampshire's Presidential Range awestruck by nature's beauty. Immediately, I realized that I must dedicate my life to understanding the causes of the universe's beauty. In addition, the hike taught me several valuable lessons that will allow me to increase my understanding through scientific research. Although the first few miles of the hike up Mt. Madison did not offer fantastic views, the vistas became spectacular once I climbed above tree line. Immediately, I sensed that understanding the natural world parallels climbing a mountain. To reach my goal of total comprehension of natural phenomena, I realized that I must begin with knowledge that may be uninteresting by itself. However, this knowledge will form the foundation of an accurate view of the universe. Much like every step while hiking leads the hiker nearer the mountain peak, all knowledge leads the scientist nearer total understanding. Above tree line, the barrenness and silence of the hike taught me that individuals must have their own direction. All hikers know that they must carry complete maps to reach their destinations; they do not allow others to hold their maps for them. Similarly, surrounded only by mountaintops, sky, and silence, I recognized the need to remain individually focused on my life's goal of understanding the physical universe. At the summit, the view of the surrounding mountain range is spectacular. The panorama offers a view of hills and smaller mountains. Some people during their lives climb many small hills. However, to have the most accurate view of the world, I must be dedicated to climbing the biggest mountains I can find. Too often people simply hike across a flat valley without ascending because they content themselves with the scenery. The mountain showed me that I cannot content myself with the scenery. When night fell up...

10 causas de cancelación de la visa de turista o paseo

10 causas de cancelacià ³n de la visa de turista o paseo Las causas por las que una visa de turista para ingresar a Estados Unidos puede ser cancelada o revocada son muy variadas, si bien hay 10 que, por su frecuencia, conviene conocer para evitarlas. Destacar que pueden proceder a la cancelacià ³n de una visa de turista, conocida tambià ©n en algunos paà ­ses como de paseo o de placer, las Embajadas, los consulados y tambià ©n las autoridades migratorias como, por ejemplo, los oficiales en los pasos fronterizos o de aeropuerto. No es obligatorio avisar a la persona a la que se le revoca la visa. En este artà ­culo se informa sobre 10 causas muy comunes de cancelacià ³n de la visa y quà © se puede hacer cuando esto sucede. 10 Causas De Cancelacià ³n De La Visa Americana De Turista 1. Quiz la causa ms frecuente de cancelacià ³n de la visa es por permanecer en Estados Unidos ms tiempo del permitido, asà ­ sà ³lo sean 24 horas. Es muy importante  no confundir la fecha de expiracià ³n de la visa  con el dà ­a mximo autorizado para permanecer en Estados Unidos.. El tiempo que se puede permanecer en Estados Unidos est fijado en el documento que se conoce como I-94, o registro de ingreso y de salida. Aunque es muy comà ºn que la autorizacià ³n se extienda por 180 dà ­as, es decir, seis meses, tambià ©n es posible que, en realidad, el oficial migratorio que autorizà ³ el ingreso establezca un tiempo inferior. Es fundamental respetar este plazo, porque si no se hace no sà ³lo se pierde la visa sino que la persona se queda en situacià ³n de indocumentada dentro de los Estados Unidos. Para evitarlo, si se desea permanecer ms tiempo en Estados Unidos debe procederse a pedir una extensià ³n de la visa o un cambio de categorà ­a de visado. En casos muy concretos y excepcionales es posible solicitar con à ©xito que se apruebe restaurar el estatus, lo que se conoce como Nunc Pro Tunc, cuando no se pide a tiempo una extensià ³n o cambio de visa. Tampoco se debe jugar a intentar obtener un nuevo plazo de tiempo para permanecer en Estados Unidos saliendo a Mà ©xico, Canad o Bahamas y volviendo a entrar, ya que el sistema no funciona asà ­. 2. Cuando  la visa ha sido arrancada  del pasaporte donde originalmente se estampà ³, queda automticamente sin vigencia. En otras palabras, no es vlida. 3. La visa tambià ©n se cancela cuando se sabe o se sospecha que se utiliza para un  fin distinto  al suyo propio. Por ejemplo, cuando una persona con visado de turista pasa una larga temporada en Estados Unidos y decide estudiar en una escuela, high school,  universidad o academia de inglà ©s a tiempo completo. Esto no es correcto, ya que la visa  apropiada es la F-1,  la F-3 para el caso de mexicanos o canadienses en zona fronteriza,  si asà ­ lo prefieren, o la J-1. Otro ejemplo es cuando una persona extranjera ingresa al paà ­s con una visa de paseo pero con la intencià ³n de contraer matrimonio. Si el oficial de inmigracià ³n se da cuenta o en la aduana descubren en su equipaje cosas como el vestido de boda se le negar la entrada y se le cancelar el visado. Casarse con visa de turista  est permitido pero puede tener consecuencias muy negativas, por lo que hay que ser muy prudente con lo que se hace y cumplir la ley. 4. La visa tambià ©n es cancelada cuando se sospecha  que puede haber intencià ³n de emigrar. Esto puede suceder cuando una persona con visa de turista entra frecuentemente al paà ­s, por ejemplo a visitar a un familiar. Otro ejemplo puede darse cuando extiende continuamente la estancia. Esos comportamientos son perfectamente vlidos, pero no pueden dar lugar a sospecha de que la intencià ³n es emigrar y quedarse en Estados Unidos. Incluso otras situaciones ms sutiles pueden dar lugar a problemas como, por ejemplo, no tener un trabajo estable en el paà ­s de origen. 5. Cuando se ha causado que el seguro pà ºblico de Estados Unidos conocido como Medicaid gastos mà ©dicos porque la persona extranjera con visa de turista ha tenido una emergencia sanitaria y no ha pagado la factura ni tampoco su seguro mà ©dico. Es relativamente frecuente descubrir estos casos ms pronto o ms tarde  en el caso de paps que se han desplazado a Estados Unidos para que nazca su hijo y posteriormente se regresan a su paà ­s de origen sin pagar el gasto hospitalario. Esta situacià ³n se detecta cuando se pide el pasaporte americano para el hijo por primera vez o su renovacià ³n. En ese momento, si asà ­ lo desean, las autoridades consulares pueden pedir prueba de que los padres han pagado el hospital en Estados Unidos. La misma prueba la pueden pedir las autoridades de inspeccià ³n en el control migratorio al llegar a Estados Unidos. 6. Cuando a un extranjero se le concede una visa de inmigrante (permiso de residencia, tambià ©n conocido como tarjeta de residencia o green card), se le cancela la visa no inmigrante que pudiera tener. En este caso no hay ningà ºn problema porque cuenta con la green card. 7. Cuando una persona ha sido pedida por un familiar en Estados Unidos. Mientras espera es posible que si tiene una visa de turista vigente, à ©sta sea cancelada, aunque no sucede siempre. Tambià ©n podrà ­a suceder que si viaja, una vez que llegue a las aduanas se encuentre que no se le permite ingresar al paà ­s. Esto no tiene que ser asà ­ siempre, ni mucho menos. Pero es posible. La razà ³n es que segà ºn sean las circunstancias particulares de cada caso puede dar la impresià ³n de que la idea es viajar a Estados Unidos para quedarse a vivir con el familiar que ha hecho la peticià ³n, sin esperar el tiempo de demora, que segà ºn los casos puede ser muy largo, particularmente en el caso de papeles pedidos para hermanos. 8. La visa de turista se cancela automticamente si su titular  ha trabajado en Estados Unidos con ese estatus.  Ã‚  Incluso es suficiente tener la intencià ³n de trabajar en Estados Unidos o se sospecha que à ©sa es la intencià ³n del viaje Hay que insistir que legalmente sà ³lo pueden trabajar los ciudadanos, los residentes y las personas titulares de visas que permitan trabajar o que tengan un permiso de trabajo. En ningà ºn caso los extranjeros con una visa de turista pueden aceptar desempeà ±ar una labor remunerada. 9. Cuando la visa tiene un error burocrtico, como puede ser el mal deletreo de un nombre o apellido o una equivocacià ³n en la fecha de nacimiento. En este caso en concreto la cancelacià ³n no tiene efectos negativos para el titular de la visa que obtendr otra con los datos correctos. En estos casos el consulado suele llamar para corregir el error. 10. Cuando el oficial de la CBP que est en la aduana americana cree que una persona a la que previamente le concedieron la visa era  inelegible  o  inadmisible  para ingresar a los Estados Unidos o  se convirtià ³ en inelegible o inadmisible tras haberle sido aprobado el visado puede proceder a su cancelacià ³n. Esta regla tambià ©n aplica en la frontera o aeropuerto a los ciudadanos de paà ­ses en el Programa de Exencià ³n de Visas  que no necesitan una para viajar por negocios o turismo, pero en este caso en vez de cancelar una visa que no existe, se procede a enviarlo de regreso al paà ­s del que procede. Es muy conveniente saber que à ©stas son  22 causas por las que una persona es inadmisible  para USA. El consumo de drogas, que se encuentra entre ellas, es la razà ³n ms comà ºn por las que se cancela la visa a celebridades extranjeras. Adems, estas  20 causas que convierten a una persona en inelegible  por las que el consulado o el oficial de migracià ³n pueden decir no  aprobar o renovar  la visa o para  permitir el ingreso  al paà ­s. Quà © Hacer Cuando La Visa De Turista Ha Sido Cancelada O Revocada Si se quiere tener una nueva visa hay que proceder a aplicar por una de nuevo. Pero en la mayorà ­a de los casos el que se solicite no quiere decir que se vaya a obtener. Por ejemplo, en el caso de haber permanecido en Estados Unidos ms tiempo del permitido puede darse al mismo tiempo que se aplique el castigo de los tres y de los diez aà ±os. En el caso de que se haya utilizado la visa para fines no autorizados, como por ejemplo estudiar, o para trabajar, no hay castigo pero es muy difà ­cil que en esas circunstancias se obtenga una nueva visa. Cuando ya ha pasado tiempo desde que se produjo la cancelacià ³n y las circunstancias de la persona han cambiado en ocasiones el oficial consular puede sugerir que se solicite un perdà ³n, tambià ©n conocido como waiver o permiso. Evita Que Te Cancelen La Visa Con Conocimiento Toma este quiz sobre visas de turista que hemos elaborado para que compruebes si tienes los conocimientos bsicos para obtenerla y conservarla. Lo importante es evitar la cancelacià ³n, ya que a partir de ahà ­ puede ser muy complicado volverla a obtener. Este es un artà ­culo informativo. No es asesorà ­a legal.

Story Essay Example | Topics and Well Written Essays - 750 words - 5

Story - Essay Example r which diseases are to be considered rare as a disease may be seen as rare in a one part of the globe, or in a specific population of people but remain common in a different one. Prevalence, which defines the number of people affected by a disease at a certain time, rather than incidence, which denotes the number of diagnoses in a particular year, is issued in the description of rare diseases and this has resulted in estimates that rare diseases affect more than three hundred million people all over the world. Since the prevalence of rare diseases varies between different populations, a disease that is rarely diagnosed in one population may be very common in a different population. This is particularly true in the case of genetic diseases as well as infectious diseases such as cystic fibrosis, which is a genetic disease that is rare in Asia but comparatively common in Europe and people who originate from the continent (Posada de la Paz & Groft, 2010). Numerous infectious diseases are prevalent in specific geographic areas but rare in the rest of the areas while other diseases including numerous rare forms of cancer do not have a specific pattern of distribut ion, as they are just rare. Categorization of additional conditions is dependent partly on the population that is being considered, with all types of cancer in children typically being considered rare as a limited number of children develop cancer but similar forms of cancer may be more prevalent in the adults. Most of the rare diseases are genetic; an estimated eighty percent, and this makes them chronic while other diseases that are rare occur as a result of people being infected and being allergic to certain things or from causes that are degenerative and proliferative. The categorization of the degree of a disease’s rarity is dependent upon the population under study, additionally; signs and symptoms of a number of the rare diseases might be seen at birth or during childhood while others only become

Taxation Statistics Project Example | Topics and Well Written Essays - 1000 words

Taxation - Statistics Project Example e telecommunication industry is an average of 11.77% of gross profit, the tax paid by the health care industry is an average of 8.24% of gross profit. We test the hypotheis whether the average for telecommunication is greater than that for health care. Hypothesis: Null hypothesis:H0: B1 = B2 Alternative hypothesis:Ha: B1>B2 Where B1 is the mean percentage tax paid by the telecommunication industry, B2 is mean percentage tax paid by the health care industry.We test the hypothesis that the mean are different using T test, we use the following formula to determine the T calcaulted value: Tcal = (B1 -B2)[(12/ n1 + 12 /n2)] Where is the standard deviation and n is the sample size, wee substitute the formula as follows: Telecommunication Services Health Care tax / gross profit tax / gross profit total 3.298118756 0.57652713 mean 0.117789956 0.082361019 standard deviation 0.045504328 0.020043758 variance 0.002070644 0.000401752 Tcal = (3.298118756 -0.57652713)[(0.002070644/ 28 + 0.000401752 /7)] T calculated is therefore equal to, T cal = 0.011460574 We test this hypothesis at the 95% level of test, a two tail test gives us a critical value of 2.05183, T critical = 2.05183. Decision: In hypothesis testing when the T calcualted value is greater than the T critical value we reject the null hypothesis, and if it is less than the T critical value we accpet the null hypothesis, for this reaons therefore our T calcualted value is less than our T critical value and therefore we accet the null hypothesis that B1 = B2, rejecting the alternative hypothesis that B1>B2. for this reaosn therefore we conclude that tax paid on gross profit by the...On taxes paid health care paid a mean of 1,227.38 in tax while the telecommunication services industry paid a mean of 1,421.34 in taxes, this shows that the telecommunication industry paid a higher tax than health care despite health care recording a higher mean gross profit. From the above we test the hypothesis that Telecommunication Service industry pay more taxes on gross profit than the healthcare service industry, in order to test this hypothesis we calculate the percentage tax paid on gross profit by both industries, the following table sumarises the results: In hypothesis testing when the T calcualted value is greater than the T critical value we reject the null hypothesis, and if it is less than the T critical value we accpet the null hypothesis, for this reaons therefore our T calcualted value is less than our T critical value and therefore we accet the null hypothesis that B1 = B2, rejecting the alternative hypothesis that B1>B2. for this reaosn therefore we conclude that tax paid on gross profit by the Telecommunication Service industry is equal to the tax paid on gross proifit by the healthcare service industry. From the above discussion it si evident that the health care idnustry has a higher mean level of gross profit than the teleommunication idnustry, on tax it is evident that the mean tax paid by the health care industry is lower than the averag

Hercules on Roger Young’s Miniseries Essay Example for Free

Hercules on Roger Young’s Miniseries Essay The most obvious difference of the animated film from the original Greek myth of Hercules is that the dreadful factors of his origins were revised and some components of modern day popular culture were utilized. According to Royalty. nu (n. d. ), Hercules was born to Alcmene, wife of Amphityron, but fathered by the Greek God Zeus. Zeus deceived Alcmene into thinking that he was Amphitryon on a night when the real Amphitryon was away. Hera, Zeus’ wife loathed Hercules and tried several times to try and kill Hercules, much unlike in the animated film, where Hera as Hercules’ mother doted on him. The animated film focused on Hercules’ early life; the famous ten labors of Hercules and the other half of his life was not included. The circumstances of the Greek myth characters like Megara, Zeus, Hera, Aphitryon, Alcmene and the rest included in the film were greatly modified to fit the storyline of the animated film. Apart from that Hercules’ twin brother, Iphicles was excluded in the storyline. Greek mythology portrays Hercules as a character with â€Å"low intelligence and terrible temper†(Royalty. nu, n. d. ). Although there was much difference from the original Greek myth, Hercules’ character as half-man half-god hero with weaknesses was still portrayed. Hercules’ character in the animated film was a bit naive but he was not quick to loose his temper. Audiences were also given a taste of Hercules’ famous battles with calamities and creatures. According to FilmAffinity (n. d. ), this Hercules miniseries is about â€Å"the gifted child born of a blood greater than mortal who would become the most powerful of all gods†. Roger Young’s miniseries starts with how Hercules was conceived. Similar to the Greek myth, the dissolute God Zeus deludes the Princess of Thebes, Alcmene, into thinking that he is the princess’ husband, Amphitryon, and then forces himself on Alcmene on a night where the princess was awaiting her husband’s return. When Alcmene gives birth to twin boys, Hercules and Iphicles, Alcmene and Amphitryon are perplexed on which baby is fathered by Zeus and whose is Amphitryon. They later realize that Hercules is Zeus’ son when he kills the snakes with his bare hands an infant. Hercules develops into a lumbering young man, â€Å"rejected by his mother, envied by his brother Iphicles and loathed by Zeus’ wife Hera† (FilmAffinity). Similar to the Greek myth while Alcmene reserves no love for Hercules, he grows up with Amphitryon doting on him and teaching him. Hercules then falls for Megara but was rejected. Their brief connection results to a child. When he lost his temper and accidentally hurt his teacher Linus during a class, Amphitryon sends far away to be taught under the care and instruction of a centaur, Kiron. Hercules becomes an agile adult and more capable to handle his great strength. He then was married to Megara after he helps the king from the creature Hydra. Megara and her sons, turn out to be â€Å"tools of the vengeful Hera, plotting against him and initiating events that lead to his banishment from his people† (FilmAffinity). To atone the punishment that he deserved in killing his own children, Hercules agrees when he was given difficult challenges which were set out to destroy him. With his ally Linus, he travels the Stymphalian Swams to the River styx of the underworld, faced with challenges and monstrous creatures that was arranged to kill him. Hercules willingly continues on this journey that afterward made him a â€Å"legend on Earth and achieve immortality in the heavens† (FilmAffinity). With the storyline of the miniseries, it was clear that the filmmakers focused on the raging politics between the noble mortals and their want of power and control. It is important to note that this miniseries was one of the few productions that embarked on Hercules true conception with regards to the original Greek myth. Hercules’ character of recklessness and short temper was portrayed true to the original Greek myth during his younger adult days. There were slight alterations unto how certain events happened to the characters but the miniseries was in a way loyal to the Hercules’ myth. For example, Hercules develops a more profound thinking later on the miniseries but there was no hint of that according to the Greek Myth. The Gods Hera and Zeus were not given much attention during the miniseries and only appeared briefly. The supposed raging battle between Hera and Zeus was implied but not shown comprehensively. In conclusion, both films were individual depictions of Hercules’ character as the legendary Greek hero. Each film represented the filmmakers approach on representing a storyline associated with Hercules’ myth. Disney may have chosen to emphasize more on Hercules’ journey to his fate in a more conducive way that was appealing since their audiences are young people. Roger Young’s miniseries took more of a similar likeness to the original myth although alterations were made on how events were played because the storyline demanded that it be so.

Hitchcock’s Work at an Auteur in his Movie, Vertigo :: Movie Film Essays

Hitchcock’s Work at an Auteur in his Movie, Vertigo Though complex and brilliantly written for its time, the plot of Alfred Hitchcock’s film, Vertigo, is only half of the genius behind it. Alfred Hitchcock’s unique presence as an auteur is truly what sets his films apart. There is symmetry to his shots that give the film an artistic feel, as if each frame were a painting. Many times, within this symmetry, Hitchcock places the characters in the center of the frame; or if not centered, then balanced by whatever else is adding density to the shot. For example, as Madeline sits and looks at the painting in the museum, there is a balance within the frame. To counter-act her position to the right of the painting, Hitchcock puts a chair and another painting on the left side, which is visually pleasing to the eye of the audience. The use of red and green not only adds a visual effect as well, but later serves as a clue that Madeline is not actually dead, when the women who looks like her is wearing a green dress. Hitchcock has a way of throwing clues in the face of the spectator, yet still allows some room for the spectator to find their own less obvious details. In the same museum scene, Hitchcock shows the viewer exactly what he wants them to see. In a sense, Hitchcock can be very manipulative with the camera. The audience sees the picture containing the women with a curl in her hair holding flowers, and then the direct connection is made by the camera, by showing the curl in Madeline’s hair, and the flowers sitting next to her. The spectator is led to believe that they have solved the mystery and she is truly possessed by the women in the picture. However, Hitchcock does this on purpose to lead the audience away from the truth that she is only acting. It is for these reasons that Hitchcock’s work at an auteur adds a level of depth and intrigue. Hitchcock has characteristics as an auteur that is apparent in most of his films, as well as this one.

Rhetorical Crtique Essay

On this rhetorical critique, I will be talking about the driving community of the state of Florida. As we all know, Florida is infamous for it’s terrible accidents. John Couwels and Vivian Kuo, journalists for CNN, prepared an article about the multi-car crash that occurred on January 29th,2012, where 11 people were killed and 46 others were injured. I chose this article because car accidents are a daily event in the state of Florida. However, the roads are spacious and for the most part, well designed. Florida drivers are being held accountable for the wreck due to their lack of safety precautions used while driving through a high fog/smoke area, caused by a nearby forest fire. This article is great for a project proposal; it addresses the drivers bad decision making when faced with cautious situations. The article named â€Å"Florida Highway Patrol: Some drivers didn’t slow before crashes†, explains that the Florida Highway Patrol prepared a traffic report holding the drivers of the crash, responsible for their actions by continuing to drive without headlights or warning signals, and without slowing down. The highway patrol quadrupled their staff on the road, and reported that conditions were clear enough to drive. Barely half an hour later, a car crash involving 25 vehicles closes the I-75 by gainesville. According to the report, drivers did not take the proper precautions assigned after fog and smoke warnings were placed on the road, causing more vehicles to smash into accidents that did not have enough time to be cleared from the road. This article informs us really well of a community problem. The authors use quotes from people who attended the scene giving a sense of complete reasoning or â€Å"truth† over emotion. The article continues by saying that the highway patrol has already accepted different measures and policies to promote a more secure Florida through professional law enforcement and traffic safety awareness. The specific type of writing is quoted when witnesses or police officials are interviewed. The writing that is used in the article is useful for making the reader visualize the event through a witness’ eyes.

Personal and Professional Moral Compass Essay

There are many influences that can affect how individuals think, behave, and react when confronted with an ethical dilemma. People make decisions throughout their life that are guided by what they have encountered through personal experiences, as well as cultural and spiritual influences. With the cultural diverseness of our Western society, there is more of an â€Å"emphasis on self-reliance and individualism† when it comes to nursing (Ludwick, 2000). Respect for human dignity and the importance for an individual to have an active role in making their own health care decisions is an important factor in nursing practice. In our society, it is important to have control over one’s emotions and desires in relation to personal decisions involving health care. Nurses have an important role in advocating for those that wish to be heard as well as ensuring that the desired care is delivered. At times there is conflict between what a patient wishes and what is considered as ethically correct. As a nurse in the mental health field, it is difficult to be able to classify what the diagnosis of a patient is just as much as identifying the medication for that diagnosis. Serving alongside some of the veterans that are seen in the mental health clinic sometimes brings about the question if they are receiving the right type of care. There is much stigma placed upon mental health care and when identifying the individual as a veteran, many times their feelings and troubles are generalized. By recognizing this, many veterans within the clinic are followed more closely by outreach calls that ensure patient safety in addition to tracking their overall mental health status. Perhaps there is a personal level of commitment attached to these veterans due to a connection involving combat and its repercussions. Personal feelings can also hinder a nurse in providing the ‘desired care’  that a patient requests. Because society is so diverse there are many beliefs, either spiritual or cultural, that can conflict with a nurse’s values and morals. For example; it had been identified that a psychotic patient was in dire need for intervention through medication. With this patient’s cultural beliefs, he was unable to follow through with the care suggested. The result of this situation ended with the patient being arrested, placed on hospital hold, and eventually being forced to take these medications. The ethical dilemma entailed nurses and doctors to identify that their obligation was to not only keep the public safe, but to ensure that the patient was safe, thus overriding his personal desires. Although many medical professionals feel that they know the right or wrong answer based on what they have learned in textbooks, it may not always be the best answer for the patient. There are many events that can affect diverse ways of thinking, which shapes each individual nurse’s practice. After exposure to different cultures, a nurse is able to recognize and begin to appreciate beliefs that are unlike his or her own. Some cultures do not allow an individual to make decisions of their own, sometimes impeding necessary care that can sustain their life. This idea of holding back care is all that the medical professional identifies when confronted with these dilemmas. They are unable to appreciate or fully understand why this individual is being ‘forced’ to refuse care. This is difficult to comprehend when it is so evident about what should be done. Patients understand and respect the opinion of the health care providers; otherwise they would not be seeking care. It is the nurse’s responsibility to keep each patient from harm in addition to sustaining their dignity and respect. When seeking care, one is identifying that they are unable to tackle the problem alone and is in need of assistance from another. This vulnerability should be respected and the health care provider should include them and all of their values within the plan of care. There will always be an event or situation that entails a nurse to set aside their personal beliefs and do what is right for the patient in a given situation. Even though some issues can be affected by a nurses own values,  the benefits and the consequences should be individually considered. If the patient is of sound mind and is doing no harm to themselves or others, perhaps it is best to allow them to identify what is best for them. It is an obligation to ensure that a patient receives the best care that they deserve. References Burkhardt, M. &. (2008). Ethics & Issues in Contemporary Nursing. Clifton Park: Delmar. Ludwick, R. &. (2000). Ethics: Nursing Around the World: Cultural Values and Ethical Conflicts. Online Journal of Issues in Nursing. 5 (3), 1-4. Appendix A Resource 1: My Nursing Ethic PASSION: Why am I here? I have always felt that I am here to help others, regardless of the profession I chose. I had started off as an elementary education major and ended up graduating with my psychology degree. From there I had joined the Army to become a medic to provide care to those who I had fought next to during war time. I found myself wanting to learn more and became a nurse to advocate for patients as well as care for them medically. I lost many friends through deployments and many of them are lost within themselves. I want to be the nurse that not only understands, but listens to what they have to say. I feel very strongly about establishing a rapport with my patients, even if I only speak to them once. I want them to know that there is someone there that they can talk to when the time comes. MOTIVATION: What moves me to act? Someone who genuinely needs assistance with a situation, despite how great or how diminutive it may seem. When I hear about how something that has been resolved or attended to because of what I had done, it motivates me even more to continue with my persistence in difficult situations. I find that  when there is respect for my profession from providers and others, this also increases my motivation. I find it motivating when I finally am able to assist a patient with positive changes that has been difficult for others to do so in the past. It is always motivating to be successful with a challenging and ‘hard to work with’ patient; all it takes is time, caring and listening. Working alongside others that are motivated also will have an effect on my motivational level. INSPIRATION: What keeps me in motion? I am most inspired by my patients. I feel that those that served before, with and after me deserve my undivided attention. Those that are truly searching for help and are motivated to do everything they can to get better, inspire me. I also find that colleges who depend on my knowledge and experience inspire me to become a better and more understanding nurse. I realize that many times, the VA is the only place many veterans can receive care (or even a hot meal); this reminds me that I may be the only one left who will listen. LOYALTY: Whom do I serve? Although I am here to assist the providers, I am here to serve the patients that are our country’s veterans. I make myself available and would go the extra mile to ensure they receive the best care and treatment that they deserve. I served alongside many of them during deployments and feel that I can continue to do this by being the best advocate they can have at

Italian Idioms and Sayings Using the Verb Fare

Italian Idioms and Sayings Using the Verb Fare If essere is the Swiss army knife of verbs, then fare is the all-in-one, handy-dandy kitchen appliance. The verb fare expresses the basic idea of doing or making, as in fare gli esercizi (to do the exercises) and fare il letto (to make the bed), but it is also used in many idioms. Note that the infinitive fare is frequently abbreviated to far before a consonant. For example, you may say far colazione, far male, far torto. Fare is also used in many expressions relating to the weather (note that in the following translations, it is an impersonal subject and does not have an equivalent in Italian): Che tempo fa? (How is the weather?)Fa bel tempo. (The weather is nice.)Fa cattivo tempo. (The weather is bad.)Ha fatto caldo. (It has been warm.)Qui fa sempre freddo. (Its always cold here.)In primavera fa sempre fresco. (In spring its always cool.) Besides idiomatic expressions, and expressions relating to the weather, the verb fare is used in a number of proverbs: Fare e disfare à ¨ tuttun lavorare. (Its all go, its a hard life.)Chi la fa laspetti. (You will get as good as you gave.)Chi fa da sà © fa per tre. (If you want something done, do it yourself.)Non fare agli altri cià ² che non vorresti fosse fatto a te. (Do as you would be done by.)Tutto fa brodo. (Every little bit helps.)Chi non sa fare, non sa comandare. (A bad worker is a bad master.) Idiomatic Expressions with Fare   fare i compiti to do ones homework fare il biglietto to purchase a ticket fare la fila / la coda stand on line / wait on line fare la spesa to go grocery shopping fare le spese to go shopping fare forca to play hooky fare vedere to show someone something fare una domanda to ask a question fare una fotografia to take a picture fare una passeggiata to take a walk fare colazione to have breakfast fare un viaggio to take a trip fare un capello in quattro to split hairs farsi la barba to shave farsi coraggio to take heart fare castelli in aria to daydream fare fingere to pretend, make believe fare male to be painful, to ache farsi in la to step to one side fare di tutto to do everything possible fare del proprio meglio to do ones best farsi degli amici to make friends fare alla romana to split the check fare il pieno to fill up the gas tank fare passare to let through

Analyzing Wal-Mart competition - Smart Custom Writing Samples

Analyzing Wal-Mart competition - Smart Custom Writing Group councelingGroup counceling is usually held in small groups of 7-10 people. Included in this group of people, sharing their thoughts, feelings and behavior problems, they provide a topic for discussion. It is assumed that each team member is involved in the process by responding to other members through feedback, support, and providing solutions to problems. The leader, or team leader, usually has special training in methods of group counceling and strives to create an atmosphere of trust, openness, responsibility and interdependence. Facilitator demonstrates the typical behavior patterns and guide the process of understanding, caring about others, and resolve conflicts. Differences between group counceling and group psycho therapy are mainly related mainly to the group, the expected depths of personal changes of its members and the nature of the preparation of its head. Methods and procedures used in the group counceling and groups therapy are very similar. In fact, members of the advisory group may be people of any origin, and any profession, usually falling in the normal range of adaptability and ability to cope with life situations. They join the group to achieve a deeper understanding of themselves as individuals and develop their individual potency. Members of the therapeutic group bring to the discussion of more serious personal problems and may have neurotic symptoms or neurotic to be chronic with limited ability to cope with life's problems. Normally, more intensive individual work is needed for them in order to change the basic structures of the individual. The leaders of consulting and treatment groups should have special training in leadership groups. Consultants tend to focus on issues of normal development throughout life. In preparation psychotherapists, usually, more time is devoted to mastering the methods of working with abnormal populations and to study psychopathology. Groups are natural phenomena in human history. Organized groups were preceded by various religious movements, drama and miracle. Some historians refer to the work of Mesmer as the predecessor of group treatment. There are many people who recognize the work of John G. Pratt and its essential connection with "class method" which was the beginning of scientific group treatment in the United States. Physician Pratt used the method of training policy, telling patients with tuberculosis, which he had treated about hygiene. His ideas were based on the need to raise the morality of patients, habituating them to maintain cleanliness. His method was more like what we call the "leadership". Soon, it became clear that his patients benefit more removed from the supportive atmosphere of the group than from the reported information in the classroom. In Europe, group methods have started to apply Alfred Adler and Jacob Levy Moreno. Adler advised the children in the presence of the group, the reason was to train other professionals to individual counseling. And again, it was noted that a group or audience had a positive impact on the outcome of counseling, if people included in it ask questions and interact. This methodological procedure used and present-day Adler's followers with a dual purpose of training and consulting. Moreno worked with homeless people in Vienna. He has worked with street children, displaced persons and prostitutes. Moreno introduced psychodrama in the United States and coined the term â€Å"group therapy† and â€Å"group psychotherapy†. Among those who had a great influence on the group therapy in the U.S., is Samuel R Slavson promoting methods, known as active group therapy. His methods were created in the course of working with socially maladjusted children. In Chicago, Rudolph Dreykurs, working with family groups and children used the Adler’s principles. Carl Rogers and client-centered or phenomenological approach helped to popularize group work. Lack of adequately trained staff and a great need for rehabilitation and maintenance therapy accelerated adaptation Roger’s principles to group work with veterans. Although, the practiconers tried to clarify the content of the terms "leadership" and "group counceling", the controversy on this issue escalated to the limit, as the authors continued to insist that counseling - highly personal process and should be done individually. The professionalism of school counselors, consultants working in public organizations and private practice, increased confidence in the group counceling Recognition of the variability of group counceling also helped the activists of the Movement for the human potential and such professional organization’s advisers, as the American Association of Personnel Management and the American Psychology Association. Each of these large organizationss have ethical codes related to the domain group work names. Gazda, Duncan and Sisson explain the distinctive features of diverse group methods: Guidelines Group and individual groups of human species potential are characterized as predominantly prevention for business purposes, group counceling, T-groups, groups of sensory, group meetings as a part of preventive and remedial causes an increase in the right place; group psychotherapy as therapeutic for other purposes. Range of clients, their psychological and physical health, working environment, the value of the group, length of sessions and duration of the course are also reflected in a special meaning or purpose of each of these three clearly distinct groupings. Corey and Corey proposed treatment, group counceling, adopted in the present-day practice: group counceling which is focuses on the problem of some kind educational, professional, social or personal and often performed in public institutions such as schools, institutions for the mentally sick. Health and various agencies which provide services to the public group counceling are usually different from the group therapy that has to deal with the problems which are conscious and aimed not at a serious change of personality and the resolution of specific current difficulties and are not associated with the treatment of neurotic or psychotic disorders. Yalom examines healing factors (as he calls them), working in group therapy of any type. In these diverse factors, it is easy to see real effects associated with the management teams and group dynamics and psychotherapy. Supply of information. This function covers the consultant carried out didactic instruction, as well as tips, tricks, or direct instruction offered by a consultant or other members of the team for solving the problems of life. Engendering of hope. Proved that the expressed expectations of success and belief in this method, potential members of the group associated with positive sharp group working in groups. Versatility. Participation in the group often helps people to understand that they are not alone in their experiences, their problems, which seem to be unique, are not so rare. This knowledge often brings a sense of relief. Altruism. The group members assist each other in substantial help by offering support and comfort, giving advice and giving insights, sharing with each other similar problems. It is important for group members to realize that they are capable of mutual aid. Corrective recapitulation of primary family group, according to Crothers, Ch. (1996), has similarities with the families of several important respects. Many of the team members have very bad experience in their primary families, and the group provides an opportunity to study and restructure of important family relationships, creating an atmosphere of support. Development of ways of socialization. Although used in different kinds of groups, methods can vary greatly (from the immediate, practical mastering of skills to master them indirectly), social learning takes place in all groups. The development of basic social skills or interpersonal skill the result of group counceling, to achieve which helps feedback between group members. Initiation of behavior. One member of the group often watches the other team member works with a similar problem. Thanks to the replacement therapy observer can include in your repertoire, or try out new patterns of behavior for themselves, proposed or simulated by group leader or other team members. The goal of therapy is to help team members learn more rational philosophy of life, to behave more intelligently and, therefore, to live a fuller life. This kinds of therapy made a furor in the world of psychology and brought a new understanding of the human being. References Scheidlinger, S., Schamess, G. (1992). Fifty Years of AGPA 1942-1992: An Overview. MacKenzie,R. (Ed). Classics in Group Psychotherapy. New York: Guilford Press. Trauma Treatment Initiatives: American Group Psychotherapy Association. New York Times Burns, T. R., Flam H. (1987). The Shaping of Social Organization: Social Rule System Theory with Applications London: Sage Crothers, Ch. (1996). Social Structure, London: Routledge Porpora, D. V. (1989). 'Four Concepts of Social Structure', Journal for the Theory of Social Behavior, 19 (2), pp. 195–211.

American Cancer Society Term Paper Example | Topics and Well Written Essays - 2000 words

American Cancer Society - Term Paper Example own of these today is the American Cancer Society, which has been around for almost 100 years, and which today has over 900 offices not only in the US, but in Puerto Rico as well (ACS, 2012; Charity Navigator, 2012). The society, which started out as the American Society for the Control of Cancer (ASCC), was founded in 1913 by 13 of New York City’s most well-known physicians and business leaders. This was no small feat, as should be apparent from how the Society has been operating even up till the present day, but its importance was even greater then, considering how people had lived in fear and denial of the killer disease, despite it claiming thousands of Americans a year. This being the case, the founders thought it best not only to establish the Society, but to further raise awareness through research and recruitment. Going by the Society’s nearly 100 years of service, it would be safe to say that it succeeded in that goal, at least, and on a major, major scale. It is known to be a nationwide, community-based voluntary organization aimed at the elimination of health problems arising from cancer, which it does through research, education, advocacy and service – all of which should be common knowledge by now. Not only that, it also works with other organizations with similar goals and objectives, an example of which would be the Commission on Cancer (American College of Surgeons, 2008). As a matter of fact, the Society is also known for designing and supporting educational programs aimed not only at medical professionals, but at the general public as well. And aside from this, it has also been known for bankrolling cancer research efforts. Examples of such studies include that of Burns et al (1972) and of Calle et al (2002), as well as a more recent one conducted by Krewski et al (2009). And on a more personal level, it assists cancer patients by way of emotional support and treatment. All these can be traced back to Marjorie G. Ollig, who in 1936

Levers of Control, Balanced Scorecard 1, Non-Financial Performance Article

Levers of Control, Balanced Scorecard 1, Non-Financial Performance Measures - Article Example The writers say that there are still a lot of firms which do not realize the importance of nonfinancial performance measures and have no such procedures to measure them, on other hand there are many others which only use off the shelf procedures and frameworks for measuring it and do not dig deep to track the activities which actually affect the framework. Companies make many mistakes in using these off-the-shelf and even their own frameworks one of which is that they do not link the measures to the strategy and don’t know that which nonfinancial performance measure they should track. In their research they found that only 30% firms have developed their own causal models which develop cause-and-effect relationship between chosen drivers of strategic success and outcomes. Second mistakes the companies make is that even after developing causal models they do not validate the link between the selected measures and strategy, i.e. afterwards they do not examine the results to verif y that if their selected measure is actually contributing towards the goal or not, or to what extent it is effective for achieving goal, so that it may be weighed accordingly and thus they remain fail to determine the relative importance of each measure and resultantly they fail in proper allocation of resources. During their research they found that out the firms that develop causal models, only 21% of them validated the link between measures and strategy. The third mistake made by the firms is that they do not establish right performance targets. Because right performance is only beneficial or fruitful upto a certain extent and after that point it produces diminishing or even negative returns, so it’s very important to set a level for right performance so that resources are not wasted into non-productive or counterproductive activities and may be directed towards more productive factors. Fourthly, about 70% of the firms that build causal models and validate links between se lected measures and strategy and set right performance targets, adopt such metrics to measure the results which lack statistical validity and reliability. To solve the four problems discussed above writers have lined a six step procedure according to which; firstly, a causal model should be developed on the basis of the hypothesis in the strategic plan. Secondly, firm should pull up the useful data from already available data and by using all of the available data and systems of all of the departments. Thirdly, collected data should be turned into information by using different statistical tools and models. Fourthly, ongoing reassessment of results should be done regularly and causal model should be refined accordingly because effectiveness of different activities goes on changing with the passage of time and new activities/ factors keep on emerging. At fifth, results and conclusions of data analysis should be used in decision making and for future planning. Finally, results and out comes should be assessed to see the effectiveness of action plans. The writers are right in concluding that nonfinancial performance measures are more effective if they are based on more sophisticated qualitative and quantitative inquiries into the factors actually contributing to the economic results. The article â€Å"How new top managers use control systems as levers of strategic renewal†

FGM Research Paper Example | Topics and Well Written Essays - 1250 words

FGM - Research Paper Example This study is important because it reveals the reality behind female genital mutilation which is presumed ‘extinct’ by most people yet very much alive in the UK. Statistical evidence from the National Health Service (NHS 2014) reveals that an estimation of at 20,000 number of girls below 15 years are at risk of FGM each year and about 66,000 number of women are facing the consequences of FGM. However it is imperative to acknowledge that most FGM cases in the UK are tied to populations of communities who practice FGM such as those in Birmingham. These could be a group of refugees or immigrants of the first generation. Catfur (2012) reveals that female genital mutilation in the UK was outlawed about 30 years ago and facilities set across hospitals in England to help those who had already been mutilated. Ironically, statistics reveal that the rate of FGM is on the rise yet no one has ever been prosecuted in the court of law. This is a demonstration of law ineffectiveness to help high population that is at risk. The UK government has also failed in informing people about FGM practice more so in learning institutions where most potential victims are found (Catfur 2012). People don’t really talk about FGM as if it does not even exist yet it keeps loosening the social bond between men and ladies in a number of communities within the UK. Perhaps the government is not entirely to blame after all; it is quite difficult for the authorities to tell when someone was mutilated until the time when they are about to give birth complicating law enforcement against the perpetuator. Or probably the mutilati on was done out of the UK soil and furthermore conducting checks on children based on their health records to see whether they are mutilated is in itself child abuse (Catfur 2012). The motives behind practicing FGM are based on cultural, religion, health, and

Effects of the Recession on the Housing Market

Effects of the Recession on the Housing Market Introduction This part of the dissertation seeks to understand and investigate the cause of the current global recession and how it has affected the housing market in the UK. Housing Market Trends After the housing markets spectacular collapse in the 1990s, the UK housing market staged a significant revival. According to the HBOS index, the average house price stood at about  £163,000 in 2005, approximately double the  £82,000 it would have been worth in 2000. Cameron (2005) suggests that house prices surpassed their 1989 peak, relative to average household incomes. The other traditional measure of affordability, the ratio of interest payments to income, is not so overstretched, but only if capital repayments and unsecured debt are ignored. In addition, the strength of the housing market reflects the exceptional economic performance of the economy in 2005, which in turn is partially due to the sensible independent monetary policies pursued by the Bank of England Cameron (2005). As a result, it is suggested that Britain dealt with the world economic slowdown of 2001-2003 a great deal better than the majority of chief economies, producing six per cent growth. This vigorous expansion cannot completely describe the strength of the house price boom. Consequently, numerous economists have argued that there is a bubble in the British housing market, in common with a number of other countries, such as Spain, Australia, Canada, Sweden, and parts of the USA. FIGURE 1 Figure 1 shows the ratio of average house prices to average earnings, a key measure of affordability, for Great Britain and three major regions up to 2004 which is before the economic recession struck. As is visible, there is a positive contrast of cyclical behaviour in each series, with a surprising rise since 1999. According to the HBOS index, prices rose by only 1.3% over the nine months from July 2004 to April 2005. One of the main causes of this poor rise was due to the fact that many households were affected by the increases of the Bank of England base rate. Moreover, the increasing lack of demand within first time buyers, together with decreased numbers of house sales and low request rates for mortgages, implies that house prices have become separated from their underpinnings. The Nature of the Housing Market Housing markets are unusual for a number of reasons Housing markets are peculiar for a number of reasons. First, houses take time to build, so when demand rises, supply can only respond with a considerable lag. Indeed, to all intents, the short-run supply of housing is fixed. Second, houses are an asset that pays an implicit income (that is, the amount of rent that the owner saves by owning a house), so the value of the house should reflect expectations about future rents. But more importantly, since house-ownership in the UK is so widespread, a house is most householdsà ¢Ã¢â€š ¬Ã¢â€ž ¢ most important asset and since prices can go down as well as up, households are thereby exposed to a considerable amount of risk (almost half a million households had their homes repossessed in the 1990s). Unfortunately, it is not really possible to offset this risk since nobody offers insurance against a fall in prices. The Global economic recession It seems to have been agreed that the financial crisis which formed the birth of the current global economic recession was formed in the millennia of 2000 as a result of several factors which influenced increased housing sales and increased mortgage lending. [Sakbani (2009), Turalay (2009), Sel (2009)] One of the main factors which influenced the financial crisis was the boom in the housing market which was the result of increased supply of housing which persuaded financial institutions to increase and extend mortgages at attractive rates which mortgages borrowers could not afford to pay back. At the time of increased mortgage lending, the mortgage lenders had liquid assets that where at a level never seen before and this encouraged them to invest their assets into higher earning assets. This boom gave mortgage lenders an opportunity to double their portfolio of mortgage lending in respect of the past 10 years and mortgages reached some 50 per cent of their total lending assets after 2001 (Sakbani, 2009). The second factor which influenced housing sales was the record low-interest rates which were put in place by major banks to attract would be house buyers into purchasing mortgages at very low interest rates and other influences was the deregulation of financial institutions, there was a attitude throughout the major central banks of self regulation and with the increased financial innovations, major banks tended to regulate themselves. The final major factor was the disappearance of inflation fear as banks began to grow and increase portfolios, their self confidence began also to grow and any fears which were previously held started to disappear and this therefore relaxed their customer vigilance (Sakbani, 2008). As the demand for housing rose in the last decade and a half, this reached a record high in all major countries including the UK and USA. In the USA in particular, housing units sold in 2005 reached a peak of 1,283,000 as compared to an average of 609,000 in 1995-2000. More than 6 million units were sold in the five years up to 2006 (US Economic Forecast, 2009). The affects of this, increased the wealth and amount of disposable income available to households which in turn, increased the growth of the US economy up to 2007. It is recognised however, that this increase in economies and housing sales would not have taken place if there was a reduction in the availability of cheap mortgages being made available in the USA and UK up to 2005 and the substantial increase of low interest rates (IMF, 2008). The major banks began to operate under reduced regulation and with the global financial markets know in full swing, this increased the housing boom in the UK as some mortgages contained grace periods of up to three years and minimal down payments where required and with the introduction of low-interest rates, only fuelled the housing boom. Furthermore, these mortgages that where being taken out by borrowers would have originally been considered as non-credit worthy or, at very least, borrowers who incurred debts beyond their capacity to pay back (Ronald, 2008). As the banks began to run these debts, they ensured that the higher the risk, the higher should be the lending rate which therefore gave rise to the subprime mortgage market; this is a market whose borrowers may have difficulty maintaining the repayment schedule. Proponents of subprime lending maintain that the practice extends credit to people who would otherwise not have access to the credit market. As Professor Rosen of Princeton University explained, The main thing that innovations in the mortgage market have done over the past 30 years is to let in the excluded: the young, the discriminated against, the people without a lot of money in the bank to use for a down payment.à ¢Ã¢â€š ¬? It has now been agreed that this would have only ended in one way, this being collapse of the housing market and financial institutions. As borrowers started to run out of finances to repay their mortgages and defaults began to increase, the rate of increase in housing prices started to fall and could not compete with the rate of debt which therefore meant that borrowers could not refinance their loans or sell their houses at large profits [(The) Economist (2008), Sakbani (2008), Elise (2008)]. One way this could have been prevented is that if banks had extended their mortgage loans under the old conditions of mortgage lending, they would have had to hold them on their books and eventually would have run out of funds. But starting in the late 1980s, financial innovations made it possible for mortgage lenders to unload their loans to pools, which can transform these personalised, non-negotiable obligations into derivative securities guaranteed by the mortgages (Sakbani, 2008). After the crisis erupted, the International Monetary Fund (IMF, 2008) estimated the size of these securities at more than $945 billion, while Goldman Sachs put them at more than $1.0 trillion. In September 2008, the IMF revised its estimate to $1.4 trillion ((The) Economist, 2008). On January 28, 2009 the IMF once more revised its estimate to $2.2 trillion. All these estimates therefore prove that, nobody had any idea of the amount of the non-performing assets. Sakbani (2008) tends to suggest that there were many culprits that where directly related to the financial crisis of 2008 which include: the greedy banks and other financial institutions with their irresponsible and uninformed behaviour, the equally greedy borrowers, the absence of regulations covering all the financial institutions involved and not just banks, the lacunae of vigilant supervision at both the states and federal levels, the non-regulated and non-transparent character of the financial innovations, the failure of the rating agencies to do their job and finally the loose monetary policy of the Greenspan era in the years 2001-2004. Mr Greenspan, testifying on October 23, 2008 before a Congressional Committee, admitted his error in believing that investment managers would exercise prudence in their operations and accepted that the regulatory system was loose and fundamentally obsolete. Since the beginning of the economic recession, there has been a high reduction in new housing starts after a reduced number of sales. Berkeley Homes for example, reported sales down by 50% in the summer of 2008, also with housebuildersà ¢Ã¢â€š ¬Ã¢â€ž ¢ shares falling to low levels, there is major financing problems which continue to suffer. Housing Developments Policy Turalay (2008) appears to suggest that at the beginning of the downturn, the position of the UK housing market did not appear to be that bad as it was expected that there would be a gradual slow down in housing sales and then a fairly rapid recovery process which would not adversely affect the economy, however, this did not prove to be the case and no-one could have predicted what actually happened. Although UK economist Andrew Oswald, famously declared in November 2002; à ¢Ã¢â€š ¬Ã…“I think we are about to go through the great housing crash of 2003 to 2005. . . . I advise you to sell your house, and move into rented accommodation Panic will then set inà ¢Ã¢â€š ¬?(Pickard, 2005, p. 9). When comparing the period of July-October 2007 with July-October 2008, evidence suggests that a fall in average sale prices of around 14 per cent (Land Registry, 2008). It has been noted by Pryce Sprigings (2008) that measuring price change is hampered by the fact that selling times have risen substantially and indices are therefore not comparing like with like à ¢Ã¢â€š ¬Ã¢â‚¬Å" ideally one would like to compare, for example, the acerage price of houses that sold within a month on the market in 2007 with average prices of houses that sold within a month on the market in 2008. Evidence also suggests that transaction volumes have fallen dramatically from around 111,000 sales per month in England and Wales between July and October 2007 to 45,000 sales per month between July and October 2008, which is a fall of 60 per cent (Land Registry, 2008). Other data sources also reported this fall including Halifax, Nationwide, Land Registry and Council of Mortgage Lenders (CML). Some locations are showing even greater falls, with city centre flat and apartment markets appearing to be particularly vulnerable. During Oswaldà ¢Ã¢â€š ¬Ã¢â€ž ¢s prediction, real average house prices rose at one of the steepest rates recorded in modern times, by nearly a quarter in real terms, from  £140,593 in 2003 quarter 1, to  £173,412 in 2006 quarter 1, based on nationwide real mix adjusted house prices see Figure 1 below, and continued to rise for a further two years until quarter 4 of 2007. Figure 1 Real House Prices There appears to have been significant early interventions from the government and the Bank of England to keep both the housing market and the wider economy on course. Consecutive cuts to base rates, addition of  £50bn of liquidity into the finance markets by the Bank of England to alleviate the credit crunch, and  £2.7bn fiscal improvement to balance low-income households for the withdrawal of the 10p tax rate. It was expected that these would all combine to form an apparently positive reinforcement, however this would prove not to be the case as in March 2008, initial indications emerged of a somewhat more speedy slowdown in the housing sector was about to develop. The RICS housing market survey of that month specified that surveyor attitude with regard to house prices had weakened to the lowest point since the survey began in 1978 and the ratio of completed sales in the previous three months to the stock of unsold property on the market fell to 0.224, the lowest since September 1996 (RICS UK Economic Brief, 2008). With mortgage approvals falling by 44 per cent in the same year (2008), this resulted in a significant fall in housing demand which led to banks being unwilling to offer new loans on houses. Although there is no surprise that the housing market has took a downturn and because this has happened before, there are no unexpected events occurring, Pryce and Sprigings tend to suggest that the speed and severity of the decline has been unusual. They go on to express that this leads us to naturally question whether our policies, our regulatory frameworks, our collective approach to housing and cultural obsession with house prices, have in some way exacerbated this particular manifestation of that cycle by sustaining the upswing well beyond mean trend and perhaps resulting an unnecessarily sever and rapid downturn (Pryce and Sprigings, 2008). These questions however are not wholly of interest to housing professionals as links between residential property and the broader market as well recognised. An example of this is stated by Goodhart and Hofmann (2008, p.180), where they find; à ¢Ã¢â€š ¬Ã…“a significant multidirectional link between house prices, monetary variables, and the macroeconomy with the effects of money and credit amplified when house prices are boomingà ¢Ã¢â€š ¬?. It is agreed by Maclennan and Pryce that housing impacts on the real economy via the construction, financial, estate agency and legal sector and through housing equity financed consumption, all of which are sensitive to housing market fluctuations, and all have become increasingly inter-linked across nations as a result of the globalisation of capital and labour (Maclennan and Pryce, 1996). It is also in agreement with numerous authors, Malpass in particular, that housing also impacts on welfare; not only through homelessness caused by repossessions (i.e. owner occupiers and renters affected by landlord default) at a time of crisis, but increasingly through equity release funding of education support (including accommodation) at the start of life and elderly care at the end. (Malpass, 2005). Another article which backs Malpassà ¢Ã¢â€š ¬Ã¢â€ž ¢ suggestion is the announcement of the Homes and Communities Agency (HCA) which has confirmed the closing of Local Authority New Build (LANB) as a national programme. This is a result of the Treasury announcing that it was cutting  £220 million from HCAà ¢Ã¢â€š ¬Ã¢â€ž ¢s budget, this follows on from the cut to the May budget of  £230 million. The new builds where seen as a solution to ease the housing crisis of the UK since the recession and to add to Malpassà ¢Ã¢â€š ¬Ã¢â€ž ¢ argument, Baroness Hanham stated in the House of Lords; à ¢Ã¢â€š ¬Ã…“There will be casualties; I donà ¢Ã¢â€š ¬Ã¢â€ž ¢t have any doubt that there will be casualtiesà ¢Ã¢â€š ¬? Furthermore to this statement, Labours Lord McKenzie warned à ¢Ã¢â€š ¬Ã…“It will force many to move or end up homeless and create ghettos of the poorà ¢Ã¢â€š ¬?. Unfortunately, the literature and policy debates on the nature and consequences of housing markets have evolved rather dichotomously. As Maclennan (2008, p. 424) observed; à ¢Ã¢â€š ¬Ã…“Many nations are now involved in two housing discussions, namely à ¢Ã¢â€š ¬Ã…“homelessness and affordabilityà ¢Ã¢â€š ¬? and à ¢Ã¢â€š ¬Ã‹Å"à ¢Ã¢â€š ¬Ã‹Å"house price booms, bubbles and bustsà ¢Ã¢â€š ¬Ã¢â€ž ¢Ãƒ ¢Ã¢â€š ¬Ã¢â€ž ¢. The first theme has largely been the domain of social policy ministries, lobbies and researchers (Carter and Polevychok, 2004).The second has absorbed the macroeconomic policy community, including central banks, finance ministries, financial institutions and some academic economists, who are concerned about à ¢Ã¢â€š ¬Ã…“stabilityà ¢Ã¢â€š ¬?. Affordability and stability are often discussed as if they are unrelated, not just in the press, but also within policymaking circles.à ¢Ã¢â€š ¬? Researchers can now endeavour to bridge this gap in housing discussions. By using the analogy of sowing and reaping, à ¢Ã¢â€š ¬Ã‹Å"whatsoever a man soweth, that shall he also reapà ¢Ã¢â€š ¬Ã¢â€ž ¢ (Galations 6:7, King James Version). It can be highlighted how scrupulous aspects of the existing recession should require policy makers and researchers to reflect on the failures of policy that have arisen as a result of the à ¢Ã¢â€š ¬Ã…“fragmented nature of housing thinking within modern governmentsà ¢Ã¢â€š ¬? (Maclennan, 2008). Pryce and Sprigings propose that the great correction that is currently underway is a consequence, not only of transcendent global forces, but also significantly of UK policy decisions on financial liberalisation and housing. And if we are reaping what we have sown in domestic policy, who are the winners and losers, and what are the implications for how we evaluate UK post-war policy? It has been made clear that such issues are underpinned by major policy, theoretical, and empirical questions that will most probably be debated at length in the future. What Pryce and Sprigings have done, is highlighted the issues and hope that highlighting these issues will offer some key pointers as to how the future debate should be structured and what might be done to ensure a more integrated approach to modernising UK housing policies. It is argued that successive governments i.e. Conservative Party and Labour Party have promoted homeownership since the end of the Second World War and its benefits it brings financially to the lease holder if they are the occupier as one of the White Papers show from 1953, which states; à ¢Ã¢â€š ¬Ã…“One object of future housing policy will be to continue to promote, by all possible means, the building of new houses for owner occupation. Of all forms of saving this is one of the best. Of all forms of ownership this is one of the most satisfying to the individual and the most beneficial to the nationà ¢Ã¢â€š ¬? (1953White Paper, Houses: The Next Step). Gradually homeownership became deeply embedded in the UK psyche as the tenure of aspiration (Ronald, 2008). However, people then become aware that homeownership may not be best suited for everyone and this is a point that is raised by Sprigings (2008) where he identified that by encouraging low-income households into homeownership, we are subjecting them to the worst of its costs and risks while the market may restrict for them the potential of its benefits. This idea was also backed up by Pickard (2005) where he stated that housing is believed to be a great long-term investment on average, but for the deprived areas, and for the poorest households, homeownership may simply not produce the promised benefits. Housing developments and the global recession can be seen as interlinked with certain groups of society and those in less secure jobs as people on low income will bear the biggest brunt of the recession as low income workers and people in less secure jobs are more than likely to face financial difficulties when it comes to mortgage repayments as they are likely to lose their jobs or see rising inflation and rising interest rates and therefore low income households are likely to leave homeownership at the worst point because they are facing the biggest impact of the recession and also when the market begins to resume to normality again, low-income households may find it harder to re-enter the housing market when house prices are low because there is a proven correlation between credit being made available and housing prices and low-income households may not be able to obtain credit when house prices are still low therefore not enabling them to enter the housing market when it seems mo st beneficial. The CML also back up this idea as figures for October 2008 show that, the value of loans has decreased to 83 per cent of the value of the property therefore, as it has been established that long term dividends on housing can be superior, low-income households will find it difficult to witness these dividends as they will be exiting the housing market when it begins to deteriorate and trying to enter the housing market when it is difficult to obtain credit. Pryce (2008) seems to perceive that the promotion of homeownership by successive UK governments and therefore the rapid increase of owner occupation may have inadvertently produced a money pump working in the opposite direction. Another theory which Pryce (2008) identifies is the fact that low-income and particularly ethnic groups are less likely to enjoy the benefits of inter-generational housing welfare transfer. Keister (2003) also backs up the second theory of Pryce (2008) by identifying that children from larger families accumulate less wealth than do those from smaller families and that siblings dilute parentsà ¢Ã¢â€š ¬Ã¢â€ž ¢ finite financial resources and non material resources. Sibship size also reduced that likelihood of receiving a trust account or an inheritance and decreases home and stock ownership. Buy-to-Let Mortgages Buy-to-Let mortgages where developed in 1995 and where designed as a new financial product in the UK which enabled individuals to purchase a mortgage on a property for the purpose of letting the property out to future tenants. The benefits from these mortgages can include a stable income from rental receipts, as well as an accumulation of wealth if house prices go up. However one of the main factors of risk with taking out a buy-to-let mortgage is leverage speculation where the landlord purchases a property expecting to sell the house at a later date for a higher price or that rental income will exceed the repayment amounts of the initial loan. Buy-to-Let mortgages have became extremely popular with apprentice investors as this type of mortgage attracts middle income people to start to develop into small-scale landlords as a means of investing for their retirement. The volume of these loans grew rapidly in value as shown in Figure 2. Figure 2 BTL loan Pryce (2008) expresses concern at the fact that 90 per cent of total BTL advances since 1999 have been taken out during periods of above-trend house prices, and  £74 billion of BTL mortgages, which is more than half of the total BTL advances since 1999, were issues at the very peak of the housing boom. This can be seen in Figure 3. Fig 3 It is therefore in agreement that, a significant proportion of BTL loans are at risk because there is consensus that the value of securities will fall below the outstanding mortgage debts. This consensus is backed-up by the fact that repossessions on BTL properties as a per cent of all BTL mortgages almost doubled in the space of 18 months from the second half of 2005 to the first half of 2007 before the first round of gloomy house price results were released in late 2007. Latest CML data also reinforces this claim as they show a large increase in BTL accounts over three months in arrears at the third quarter of 2008 having trebled in number in 12 months to around 18,000. (Pryce and Sprigings 2008). If home owners begin to default on their loans then the impact could be significant not only for lenders, but for particular sectors of the housing market as 80 per cent of BTL properties are terraced of flats and these account for almost a third of the entire UK private rented stock (Sprigings, 2008). One of the key features of the BTL which there is much agreement on is the impact it seems to have had on new housing supply with flats coming to dominate supply, particularly in city markets. (Taylor 2008, Sprigings 2008). Fig 4 Effects of the Recession on the Housing Market Effects of the Recession on the Housing Market Introduction This part of the dissertation seeks to understand and investigate the cause of the current global recession and how it has affected the housing market in the UK. Housing Market Trends After the housing markets spectacular collapse in the 1990s, the UK housing market staged a significant revival. According to the HBOS index, the average house price stood at about  £163,000 in 2005, approximately double the  £82,000 it would have been worth in 2000. Cameron (2005) suggests that house prices surpassed their 1989 peak, relative to average household incomes. The other traditional measure of affordability, the ratio of interest payments to income, is not so overstretched, but only if capital repayments and unsecured debt are ignored. In addition, the strength of the housing market reflects the exceptional economic performance of the economy in 2005, which in turn is partially due to the sensible independent monetary policies pursued by the Bank of England Cameron (2005). As a result, it is suggested that Britain dealt with the world economic slowdown of 2001-2003 a great deal better than the majority of chief economies, producing six per cent growth. This vigorous expansion cannot completely describe the strength of the house price boom. Consequently, numerous economists have argued that there is a bubble in the British housing market, in common with a number of other countries, such as Spain, Australia, Canada, Sweden, and parts of the USA. FIGURE 1 Figure 1 shows the ratio of average house prices to average earnings, a key measure of affordability, for Great Britain and three major regions up to 2004 which is before the economic recession struck. As is visible, there is a positive contrast of cyclical behaviour in each series, with a surprising rise since 1999. According to the HBOS index, prices rose by only 1.3% over the nine months from July 2004 to April 2005. One of the main causes of this poor rise was due to the fact that many households were affected by the increases of the Bank of England base rate. Moreover, the increasing lack of demand within first time buyers, together with decreased numbers of house sales and low request rates for mortgages, implies that house prices have become separated from their underpinnings. The Nature of the Housing Market Housing markets are unusual for a number of reasons Housing markets are peculiar for a number of reasons. First, houses take time to build, so when demand rises, supply can only respond with a considerable lag. Indeed, to all intents, the short-run supply of housing is fixed. Second, houses are an asset that pays an implicit income (that is, the amount of rent that the owner saves by owning a house), so the value of the house should reflect expectations about future rents. But more importantly, since house-ownership in the UK is so widespread, a house is most householdsà ¢Ã¢â€š ¬Ã¢â€ž ¢ most important asset and since prices can go down as well as up, households are thereby exposed to a considerable amount of risk (almost half a million households had their homes repossessed in the 1990s). Unfortunately, it is not really possible to offset this risk since nobody offers insurance against a fall in prices. The Global economic recession It seems to have been agreed that the financial crisis which formed the birth of the current global economic recession was formed in the millennia of 2000 as a result of several factors which influenced increased housing sales and increased mortgage lending. [Sakbani (2009), Turalay (2009), Sel (2009)] One of the main factors which influenced the financial crisis was the boom in the housing market which was the result of increased supply of housing which persuaded financial institutions to increase and extend mortgages at attractive rates which mortgages borrowers could not afford to pay back. At the time of increased mortgage lending, the mortgage lenders had liquid assets that where at a level never seen before and this encouraged them to invest their assets into higher earning assets. This boom gave mortgage lenders an opportunity to double their portfolio of mortgage lending in respect of the past 10 years and mortgages reached some 50 per cent of their total lending assets after 2001 (Sakbani, 2009). The second factor which influenced housing sales was the record low-interest rates which were put in place by major banks to attract would be house buyers into purchasing mortgages at very low interest rates and other influences was the deregulation of financial institutions, there was a attitude throughout the major central banks of self regulation and with the increased financial innovations, major banks tended to regulate themselves. The final major factor was the disappearance of inflation fear as banks began to grow and increase portfolios, their self confidence began also to grow and any fears which were previously held started to disappear and this therefore relaxed their customer vigilance (Sakbani, 2008). As the demand for housing rose in the last decade and a half, this reached a record high in all major countries including the UK and USA. In the USA in particular, housing units sold in 2005 reached a peak of 1,283,000 as compared to an average of 609,000 in 1995-2000. More than 6 million units were sold in the five years up to 2006 (US Economic Forecast, 2009). The affects of this, increased the wealth and amount of disposable income available to households which in turn, increased the growth of the US economy up to 2007. It is recognised however, that this increase in economies and housing sales would not have taken place if there was a reduction in the availability of cheap mortgages being made available in the USA and UK up to 2005 and the substantial increase of low interest rates (IMF, 2008). The major banks began to operate under reduced regulation and with the global financial markets know in full swing, this increased the housing boom in the UK as some mortgages contained grace periods of up to three years and minimal down payments where required and with the introduction of low-interest rates, only fuelled the housing boom. Furthermore, these mortgages that where being taken out by borrowers would have originally been considered as non-credit worthy or, at very least, borrowers who incurred debts beyond their capacity to pay back (Ronald, 2008). As the banks began to run these debts, they ensured that the higher the risk, the higher should be the lending rate which therefore gave rise to the subprime mortgage market; this is a market whose borrowers may have difficulty maintaining the repayment schedule. Proponents of subprime lending maintain that the practice extends credit to people who would otherwise not have access to the credit market. As Professor Rosen of Princeton University explained, The main thing that innovations in the mortgage market have done over the past 30 years is to let in the excluded: the young, the discriminated against, the people without a lot of money in the bank to use for a down payment.à ¢Ã¢â€š ¬? It has now been agreed that this would have only ended in one way, this being collapse of the housing market and financial institutions. As borrowers started to run out of finances to repay their mortgages and defaults began to increase, the rate of increase in housing prices started to fall and could not compete with the rate of debt which therefore meant that borrowers could not refinance their loans or sell their houses at large profits [(The) Economist (2008), Sakbani (2008), Elise (2008)]. One way this could have been prevented is that if banks had extended their mortgage loans under the old conditions of mortgage lending, they would have had to hold them on their books and eventually would have run out of funds. But starting in the late 1980s, financial innovations made it possible for mortgage lenders to unload their loans to pools, which can transform these personalised, non-negotiable obligations into derivative securities guaranteed by the mortgages (Sakbani, 2008). After the crisis erupted, the International Monetary Fund (IMF, 2008) estimated the size of these securities at more than $945 billion, while Goldman Sachs put them at more than $1.0 trillion. In September 2008, the IMF revised its estimate to $1.4 trillion ((The) Economist, 2008). On January 28, 2009 the IMF once more revised its estimate to $2.2 trillion. All these estimates therefore prove that, nobody had any idea of the amount of the non-performing assets. Sakbani (2008) tends to suggest that there were many culprits that where directly related to the financial crisis of 2008 which include: the greedy banks and other financial institutions with their irresponsible and uninformed behaviour, the equally greedy borrowers, the absence of regulations covering all the financial institutions involved and not just banks, the lacunae of vigilant supervision at both the states and federal levels, the non-regulated and non-transparent character of the financial innovations, the failure of the rating agencies to do their job and finally the loose monetary policy of the Greenspan era in the years 2001-2004. Mr Greenspan, testifying on October 23, 2008 before a Congressional Committee, admitted his error in believing that investment managers would exercise prudence in their operations and accepted that the regulatory system was loose and fundamentally obsolete. Since the beginning of the economic recession, there has been a high reduction in new housing starts after a reduced number of sales. Berkeley Homes for example, reported sales down by 50% in the summer of 2008, also with housebuildersà ¢Ã¢â€š ¬Ã¢â€ž ¢ shares falling to low levels, there is major financing problems which continue to suffer. Housing Developments Policy Turalay (2008) appears to suggest that at the beginning of the downturn, the position of the UK housing market did not appear to be that bad as it was expected that there would be a gradual slow down in housing sales and then a fairly rapid recovery process which would not adversely affect the economy, however, this did not prove to be the case and no-one could have predicted what actually happened. Although UK economist Andrew Oswald, famously declared in November 2002; à ¢Ã¢â€š ¬Ã…“I think we are about to go through the great housing crash of 2003 to 2005. . . . I advise you to sell your house, and move into rented accommodation Panic will then set inà ¢Ã¢â€š ¬?(Pickard, 2005, p. 9). When comparing the period of July-October 2007 with July-October 2008, evidence suggests that a fall in average sale prices of around 14 per cent (Land Registry, 2008). It has been noted by Pryce Sprigings (2008) that measuring price change is hampered by the fact that selling times have risen substantially and indices are therefore not comparing like with like à ¢Ã¢â€š ¬Ã¢â‚¬Å" ideally one would like to compare, for example, the acerage price of houses that sold within a month on the market in 2007 with average prices of houses that sold within a month on the market in 2008. Evidence also suggests that transaction volumes have fallen dramatically from around 111,000 sales per month in England and Wales between July and October 2007 to 45,000 sales per month between July and October 2008, which is a fall of 60 per cent (Land Registry, 2008). Other data sources also reported this fall including Halifax, Nationwide, Land Registry and Council of Mortgage Lenders (CML). Some locations are showing even greater falls, with city centre flat and apartment markets appearing to be particularly vulnerable. During Oswaldà ¢Ã¢â€š ¬Ã¢â€ž ¢s prediction, real average house prices rose at one of the steepest rates recorded in modern times, by nearly a quarter in real terms, from  £140,593 in 2003 quarter 1, to  £173,412 in 2006 quarter 1, based on nationwide real mix adjusted house prices see Figure 1 below, and continued to rise for a further two years until quarter 4 of 2007. Figure 1 Real House Prices There appears to have been significant early interventions from the government and the Bank of England to keep both the housing market and the wider economy on course. Consecutive cuts to base rates, addition of  £50bn of liquidity into the finance markets by the Bank of England to alleviate the credit crunch, and  £2.7bn fiscal improvement to balance low-income households for the withdrawal of the 10p tax rate. It was expected that these would all combine to form an apparently positive reinforcement, however this would prove not to be the case as in March 2008, initial indications emerged of a somewhat more speedy slowdown in the housing sector was about to develop. The RICS housing market survey of that month specified that surveyor attitude with regard to house prices had weakened to the lowest point since the survey began in 1978 and the ratio of completed sales in the previous three months to the stock of unsold property on the market fell to 0.224, the lowest since September 1996 (RICS UK Economic Brief, 2008). With mortgage approvals falling by 44 per cent in the same year (2008), this resulted in a significant fall in housing demand which led to banks being unwilling to offer new loans on houses. Although there is no surprise that the housing market has took a downturn and because this has happened before, there are no unexpected events occurring, Pryce and Sprigings tend to suggest that the speed and severity of the decline has been unusual. They go on to express that this leads us to naturally question whether our policies, our regulatory frameworks, our collective approach to housing and cultural obsession with house prices, have in some way exacerbated this particular manifestation of that cycle by sustaining the upswing well beyond mean trend and perhaps resulting an unnecessarily sever and rapid downturn (Pryce and Sprigings, 2008). These questions however are not wholly of interest to housing professionals as links between residential property and the broader market as well recognised. An example of this is stated by Goodhart and Hofmann (2008, p.180), where they find; à ¢Ã¢â€š ¬Ã…“a significant multidirectional link between house prices, monetary variables, and the macroeconomy with the effects of money and credit amplified when house prices are boomingà ¢Ã¢â€š ¬?. It is agreed by Maclennan and Pryce that housing impacts on the real economy via the construction, financial, estate agency and legal sector and through housing equity financed consumption, all of which are sensitive to housing market fluctuations, and all have become increasingly inter-linked across nations as a result of the globalisation of capital and labour (Maclennan and Pryce, 1996). It is also in agreement with numerous authors, Malpass in particular, that housing also impacts on welfare; not only through homelessness caused by repossessions (i.e. owner occupiers and renters affected by landlord default) at a time of crisis, but increasingly through equity release funding of education support (including accommodation) at the start of life and elderly care at the end. (Malpass, 2005). Another article which backs Malpassà ¢Ã¢â€š ¬Ã¢â€ž ¢ suggestion is the announcement of the Homes and Communities Agency (HCA) which has confirmed the closing of Local Authority New Build (LANB) as a national programme. This is a result of the Treasury announcing that it was cutting  £220 million from HCAà ¢Ã¢â€š ¬Ã¢â€ž ¢s budget, this follows on from the cut to the May budget of  £230 million. The new builds where seen as a solution to ease the housing crisis of the UK since the recession and to add to Malpassà ¢Ã¢â€š ¬Ã¢â€ž ¢ argument, Baroness Hanham stated in the House of Lords; à ¢Ã¢â€š ¬Ã…“There will be casualties; I donà ¢Ã¢â€š ¬Ã¢â€ž ¢t have any doubt that there will be casualtiesà ¢Ã¢â€š ¬? Furthermore to this statement, Labours Lord McKenzie warned à ¢Ã¢â€š ¬Ã…“It will force many to move or end up homeless and create ghettos of the poorà ¢Ã¢â€š ¬?. Unfortunately, the literature and policy debates on the nature and consequences of housing markets have evolved rather dichotomously. As Maclennan (2008, p. 424) observed; à ¢Ã¢â€š ¬Ã…“Many nations are now involved in two housing discussions, namely à ¢Ã¢â€š ¬Ã…“homelessness and affordabilityà ¢Ã¢â€š ¬? and à ¢Ã¢â€š ¬Ã‹Å"à ¢Ã¢â€š ¬Ã‹Å"house price booms, bubbles and bustsà ¢Ã¢â€š ¬Ã¢â€ž ¢Ãƒ ¢Ã¢â€š ¬Ã¢â€ž ¢. The first theme has largely been the domain of social policy ministries, lobbies and researchers (Carter and Polevychok, 2004).The second has absorbed the macroeconomic policy community, including central banks, finance ministries, financial institutions and some academic economists, who are concerned about à ¢Ã¢â€š ¬Ã…“stabilityà ¢Ã¢â€š ¬?. Affordability and stability are often discussed as if they are unrelated, not just in the press, but also within policymaking circles.à ¢Ã¢â€š ¬? Researchers can now endeavour to bridge this gap in housing discussions. By using the analogy of sowing and reaping, à ¢Ã¢â€š ¬Ã‹Å"whatsoever a man soweth, that shall he also reapà ¢Ã¢â€š ¬Ã¢â€ž ¢ (Galations 6:7, King James Version). It can be highlighted how scrupulous aspects of the existing recession should require policy makers and researchers to reflect on the failures of policy that have arisen as a result of the à ¢Ã¢â€š ¬Ã…“fragmented nature of housing thinking within modern governmentsà ¢Ã¢â€š ¬? (Maclennan, 2008). Pryce and Sprigings propose that the great correction that is currently underway is a consequence, not only of transcendent global forces, but also significantly of UK policy decisions on financial liberalisation and housing. And if we are reaping what we have sown in domestic policy, who are the winners and losers, and what are the implications for how we evaluate UK post-war policy? It has been made clear that such issues are underpinned by major policy, theoretical, and empirical questions that will most probably be debated at length in the future. What Pryce and Sprigings have done, is highlighted the issues and hope that highlighting these issues will offer some key pointers as to how the future debate should be structured and what might be done to ensure a more integrated approach to modernising UK housing policies. It is argued that successive governments i.e. Conservative Party and Labour Party have promoted homeownership since the end of the Second World War and its benefits it brings financially to the lease holder if they are the occupier as one of the White Papers show from 1953, which states; à ¢Ã¢â€š ¬Ã…“One object of future housing policy will be to continue to promote, by all possible means, the building of new houses for owner occupation. Of all forms of saving this is one of the best. Of all forms of ownership this is one of the most satisfying to the individual and the most beneficial to the nationà ¢Ã¢â€š ¬? (1953White Paper, Houses: The Next Step). Gradually homeownership became deeply embedded in the UK psyche as the tenure of aspiration (Ronald, 2008). However, people then become aware that homeownership may not be best suited for everyone and this is a point that is raised by Sprigings (2008) where he identified that by encouraging low-income households into homeownership, we are subjecting them to the worst of its costs and risks while the market may restrict for them the potential of its benefits. This idea was also backed up by Pickard (2005) where he stated that housing is believed to be a great long-term investment on average, but for the deprived areas, and for the poorest households, homeownership may simply not produce the promised benefits. Housing developments and the global recession can be seen as interlinked with certain groups of society and those in less secure jobs as people on low income will bear the biggest brunt of the recession as low income workers and people in less secure jobs are more than likely to face financial difficulties when it comes to mortgage repayments as they are likely to lose their jobs or see rising inflation and rising interest rates and therefore low income households are likely to leave homeownership at the worst point because they are facing the biggest impact of the recession and also when the market begins to resume to normality again, low-income households may find it harder to re-enter the housing market when house prices are low because there is a proven correlation between credit being made available and housing prices and low-income households may not be able to obtain credit when house prices are still low therefore not enabling them to enter the housing market when it seems mo st beneficial. The CML also back up this idea as figures for October 2008 show that, the value of loans has decreased to 83 per cent of the value of the property therefore, as it has been established that long term dividends on housing can be superior, low-income households will find it difficult to witness these dividends as they will be exiting the housing market when it begins to deteriorate and trying to enter the housing market when it is difficult to obtain credit. Pryce (2008) seems to perceive that the promotion of homeownership by successive UK governments and therefore the rapid increase of owner occupation may have inadvertently produced a money pump working in the opposite direction. Another theory which Pryce (2008) identifies is the fact that low-income and particularly ethnic groups are less likely to enjoy the benefits of inter-generational housing welfare transfer. Keister (2003) also backs up the second theory of Pryce (2008) by identifying that children from larger families accumulate less wealth than do those from smaller families and that siblings dilute parentsà ¢Ã¢â€š ¬Ã¢â€ž ¢ finite financial resources and non material resources. Sibship size also reduced that likelihood of receiving a trust account or an inheritance and decreases home and stock ownership. Buy-to-Let Mortgages Buy-to-Let mortgages where developed in 1995 and where designed as a new financial product in the UK which enabled individuals to purchase a mortgage on a property for the purpose of letting the property out to future tenants. The benefits from these mortgages can include a stable income from rental receipts, as well as an accumulation of wealth if house prices go up. However one of the main factors of risk with taking out a buy-to-let mortgage is leverage speculation where the landlord purchases a property expecting to sell the house at a later date for a higher price or that rental income will exceed the repayment amounts of the initial loan. Buy-to-Let mortgages have became extremely popular with apprentice investors as this type of mortgage attracts middle income people to start to develop into small-scale landlords as a means of investing for their retirement. The volume of these loans grew rapidly in value as shown in Figure 2. Figure 2 BTL loan Pryce (2008) expresses concern at the fact that 90 per cent of total BTL advances since 1999 have been taken out during periods of above-trend house prices, and  £74 billion of BTL mortgages, which is more than half of the total BTL advances since 1999, were issues at the very peak of the housing boom. This can be seen in Figure 3. Fig 3 It is therefore in agreement that, a significant proportion of BTL loans are at risk because there is consensus that the value of securities will fall below the outstanding mortgage debts. This consensus is backed-up by the fact that repossessions on BTL properties as a per cent of all BTL mortgages almost doubled in the space of 18 months from the second half of 2005 to the first half of 2007 before the first round of gloomy house price results were released in late 2007. Latest CML data also reinforces this claim as they show a large increase in BTL accounts over three months in arrears at the third quarter of 2008 having trebled in number in 12 months to around 18,000. (Pryce and Sprigings 2008). If home owners begin to default on their loans then the impact could be significant not only for lenders, but for particular sectors of the housing market as 80 per cent of BTL properties are terraced of flats and these account for almost a third of the entire UK private rented stock (Sprigings, 2008). One of the key features of the BTL which there is much agreement on is the impact it seems to have had on new housing supply with flats coming to dominate supply, particularly in city markets. (Taylor 2008, Sprigings 2008). Fig 4