Loan Should Not Be A Homeowner Loan - 2306 Words

There comes a time in most peoples lives when they need to raise some extra money or finance for whatever reason. If you have a home you may have considered or be considering taking out a homeowner loan. Having a homeowner can be perfect for those wanting to raise extra cash but please remember and be aware that if you fail to keep up with repayments on your loan you home could be repossessed and taken away from you. TOP TIP: Please Remember to get as much information as you can before you sign on the dotted line. So then you have done some research, and realised how big a decision taking out a homeowner loan really is, or more to the point that taking out any type of loan should not be a lightly made decision. Having said that If you†¦show more content†¦Please remember that if you cannot afford to do something then please do not do it. Please also note that I am not acting or representing anybody or anyone. I have just given my guidance and opinions with regards to look ing around for and finding a suitable homeowner loan that meets and fits your situation and so on. My advice and guidance does not constitute professional legal or financial advice. If you require this type of advice please actively seek it. I wish you luck and success with whatever you choose to do. A year ago I found a small ad button on a website. Which site it was I can t even remember. It just said Kiva, a Swahili word that means agreement or unity . Since it is not often that one falls over Swahili words on an otherwise English website, my curiosity pushed the button and opened a whole new world. For years I was irked by the immense overheads of big charity organizations. Of course I understand that big institutions have big overheads, but somehow it just did not seem right to me that according to Forbes (http://www.forbes.com/2004/11/23/04charityland.html) on average in 2004 only 84% of monies donated actually reached a needy and deserving individual. From pressing the ad button to learning more was only a small step. Kiva (http://www.kiva.org ) is a forerunner and the first ever person-to-person micro-lending website. Whilst on the website you are given the opportunity to browse the entrepreneurs profiles,Show MoreRelatedSolving the Foreclosure Crisis 1156 Words   |  5 Pagesfamilies and individuals every day. One aspect we must take into consideration is that most people are not informed of what foreclosure means, or the process, even those who are homeowners. I believe that one step to preventing foreclosure is to educate first-time homebuyers. In addition, first-time homebuyer programs should not only assist potential buyers with financially preparing them to buy a home, but to keep the home once they close the deal. According to a July 16, 2009 press release byRead MoreSolving the Foreclosure Crisis 1107 Words   |  5 Pagestake everyone getting involved. The banks and other lenders need to be willing to work with people who have been in their homes and need to have their loans restructured or refinanced. There should not be any more QUICK FIXES. Too many of the lending institutions are trying to put a bandage on an open wound. Instead of working with the homeowners, they are willing to put the residents out of the homes and think that this will solve the problem. The only thing that does is leave the houses open forRead MoreHome Insurance Case : The Premium For PMI Insurance727 Words   |  3 PagesThe cost The premium for PMI insurance varies according to the size of the loan, and the down payment made, but is typical around one percent of the loan amount. The cost is not based on the lender’s credit score but is based on the size of the mortgage and the amount of the down payment. When it is necessary If a home buyer cannot afford to make a large down payment, typically at least twenty percent, to purchase a home, purchasing PMI insurance allows the buyer to pay as little as five percentRead MoreForeclosure Crisis: A Time for Change1105 Words   |  5 Pagesthought that every person should be a homeowner. According to a speech by President William Clinton in 1995, he boasted about making homeownership a reality, â€Å"The goal of this strategy, to boost homeownership to 67.5 percent by the year 2000, which would take us to an all-time high†(Wooley). As a result of political ploys like this, banks and lending institutions came up with products such as the 107% financing, interest only loans, negative amortization programs which allowed loans to start at a 1% interestRead MoreEssay on Solving the Foreclosure Crisis 998 Words   |  4 Pagessolution to a crisis of this magnitude first must be looked at from the origin of the introduction of a system, which is, the study of the loan process by the homeowner. To correct the crisis of foreclosure, borrowers must do their part, while lenders remain true to their â€Å"fine print.† The simplest solution to this problem already exists, that is loan modification. A loan modification, or a modified refinance, is a negotiation between a lender and a borrower that succumbs to a reorganization of a loan’sRead MoreHow To Solve The Foreclosure Crisis1443 Words   |  6 Pagesunemployment, tightening credit, decreasing real estate values and cataclysmic stock market crash resulted in millions of homeowners defaulting on their mortgages. What are the solutions to this problem? Some would argue that the government should intervene and help homeowners. Those with a more â€Å"free market† or laissez faire approach would contend that the government should let it play out and the problem will eventually resolve itself. But with the faces of evicted families on every newscast,Read MoreThe Current Bull Market Of Theu.s Economy1176 Words   |  5 Pagesown oscillations. A major contributor to the Savings-Loans and Foreclosure crisis was unpaid loans (Root). Banks were making loans to prospective and current homeowners without sufficient guarantee of return on investment (ROI). It is this default of loaning on the part of consumers I want to provide a solution to minimize its effects. The Wolf Blows Away the House of Sticks Eventually Before I get to the possible resolutions of lessening loan defaulting, it is necessary to say that a housing marketRead MoreEssay on Solving the Foreclosure Crisis 1305 Words   |  6 Pagestheir home. My solution is based upon the concept of the homeowner paying what they are capable today, with a long term solution for the homeowner to repay the entire debt eventually. If the homeowner can now afford to make the payments, then they can escape foreclosure, rebuild their pride, and be productive citizens. In essence, the problem leading to the foreclosure crisis is the recent decrease in people’s ability to make their loan payments due to job loss and lower wages brought on by theRead MoreA Practical Solution to the Foreclosure Crisis1122 Words   |  5 Pagesmortgage and real estate industries. Homes were all too often over valued by appraisers, and then realtors listed them at these outrageous prices. Loans were also offered at higher values by loan officers, so that they could increase their commissions. Homeowners also played a part in their own demise by participating in activities such as lying about income on loan applications in order to qualify for a home that they essentially could not afford. Finally, banks provided sketchy, adjustable rate mortgagesRead MorePossible Solutions to the Foreclosure Crisis Essay1179 Words   |  5 Pagesaccounting records of the banking industry. With more lost jobs on the horizon and fluctuating adjustable mortgage rates, the foreclosure crisis continues to plague America. A recent report from the Mortgage Bankers Association reveals that 14% of loans are behind or in foreclosure. This is largely due to lost jobs in this volatile economy. Many factors are involved in addressing a situation like this and one solution alone cannot solve the crisis. We saw millions of dollars in stimulus money go to

Essay on Ancient Egypt - 1122 Words

Ancient Egypt One of the greatest and most enduring human civilizations established itself in the Nile Valley. Over thousands of years the Egyptians shaped their civilization and have portrayed their canonical nature within their art, literature, and architecture. The Egyptians adhered to their rules and their standards of belief and behavior in their daily lives. The artistic canon is well represented in Egyptian tomb paintings. For the Egyptians, art was made to serve a particular purpose, usually a religious one. Religious beliefs largely dictated what artists created, especially the paintings that filled Egyptian temples and tombs. Temples were decorated with paintings and filled with statues of gods and kings in†¦show more content†¦Death was considered a necessary transition to the next world where the dead would lead a life similar to life as they knew it. This belief was the reason for the embalming of bodies, the abundance of funerary offerings, the statues, the relief carvings, the inscriptions and, of course, the paintings. The relief painting Ti Watching a Hippopotamus Hunt was painted in the year 2400 BCE. This was during the time of the Old Kingdom ( Dynasty V), when Egyptians were constructing their mastabas (or tombs) out of limestone (Lesko). The Egyptians built their mastabas as comfortable homes for the dead to live in during the afterlife. These tombs were filled with many treasures, paintings and messages. The painting Ti Watching a Hippopotamus Hunt is from one such tomb at Saqqara; The Mastaba of Ti. Ti was the royal hairdresser during the early V Dynasty, as well as the controller of the farms and stock that belonged to the royal family. In the tomb paintings, the important people portrayed were given a large, out of scale size. The overlapping of outlines was avoided and all parts of the body were represented as flatly as possible. By portraying the Egyptians in this way [Profile of the face, frontal view of the eye, frontal view of the upper body, arms - one in front, one at the side, and a profile of the legs] all the body parts needed in the afterlife would be properly expressed and thus, available to the deceased (Lesko). The consistencyShow MoreRelatedAncient Egypt. Ancient Egypt Is A Wonderful, Mysterious2044 Words   |  9 PagesAncient Egypt Ancient Egypt is a wonderful, mysterious land. Thankfully for us today, the ancient Egyptians kept extensive records that allow us to understand most of the mysteries that Egypt has in store. Throughout time we have been able to understand and learn more about many subjects in the ancient Egyptian era such as the geography and why it was important to the ancient civilization, the technology and pyramids, their social pyramid, and part of everyday Egyptian life such as clothes, foodRead MoreThe Discoveries Of Ancient Egypt Essay1045 Words   |  5 PagesAncient Egypt is a land full of mystery and wonder, from the Great Pyramid of Giza to the mummies, it has always been a fascinating place for anthropologists and archaeologists alike. The pyramids are so fantastic that people still have trouble believing that mankind could have constructed it, and people come from all over the world to gaze upon it in utter shock. The mummies have also always been a hot topic for tourists since it i s such an unusual burial technique. Archeologists have studiedRead More Ancient Egypt Essay1382 Words   |  6 PagesWithin the society of ancient Egypt, having a good Pharaoh was considered to be absolutely vital for the functioning of the country; and it was for this reason that Egypt had been ruled by these supposedly half gods half humans for over three thousand years. The position of the Pharaoh was auspiciously passed down through the royal family and traditionally to the eldest son when his father died. Hatshepsut was a significant individual who thwarted this convention by depicting herself as a male soRead MoreTechnology in Ancient Egypt1554 Words   |  7 PagesTechnology i Technology in Ancient Egypt David Krumis History 302 Dr. Young May 30, 2009 Technology ii Abstract The ancient Egyptians utilized many basic methods of science and technology over the course of their culture’s era. You can find examples of these marvels in practically any aspect of their workings. From architecture to agriculture, medicinal practices and time keeping, one thing is for sure, they set a tone for the progression of technology over the centuries. WithoutRead MoreAncient Egypt1704 Words   |  7 PagesAncient Egypt The giant pyramids, temples, and tombs of ancient Egypt tell an exciting story about a nation that rose to power more than 5,000 years ago. This mighty civilization crumbled before conquering armies after 2,500 years of triumph and glory. The dry air and drifting desert sands have preserved many records of ancient Egypt until modern times. The ancient Egyptians lived colorful, active, and eventful lives. Many were creative artists, skilled craftsmen, and adventurous explorersRead More Ancient Egypt Essay6218 Words   |  25 PagesAncient Egypt Ancient Egypt is located along the Nile River of Northeastern Africa. More specifically, it is the territory where ancients Egyptians lived in the valley of the delta and the Nile. It was a thriving civilization for more than 3,000 years, from about the time of 3300 BC to 30BC. The culture of Ancient Egypt is identified and very well known for many aspects of their ways of life. Considering the time period, they were very technologically advanced. This can especially be seenRead MoreThe Portrayal Of Ancient Egypt2411 Words   |  10 Pages Ancient Egypt is an interesting area of costume and clothing history to observe. When researching this era, it is hard for one to completely grasp the exact clothing of the time period. This is primarily due to how long ago this civilization existed, but also how little evidence has survived throughout the centuries. However, there are some coins, reliefs, statues, and rare clothes that survived the test of time. From these artifacts, historians are able to draw a faint image of what men and womenRead MoreAncient Egypt : Ancient Egyptian Art1308 Words   |  6 Pages Religious Architechture in ancient Egypt Egyptian art has journeyed through the centuries as one of the most influential phenomenon in human civilization. From the Greeks to the Romans to the people of today, Egyptians and their beautiful representations in art and architecture have proven a legacy in the creations of certain landmarks, statues, and even advertisements. The Greeks derived many of their statues from Egyptian sculptures, such as the Kouros 600 B.C.Read MoreThe Egypt : Ancient Egypt1792 Words   |  8 Pagesfascinating as that of the ancient Egyptians. The kingdom along the Nile River has been the subject of many books, magazine articles, movies, and T.V shows and documentaries. Museums from all over the world dedicate entire exhibits to excavated Egyptian artifacts. Egypt itself receives millions of tourists flocking to photograph the pyramids and its ruins each year. There are so many reasons behind why we are infatuated with ancient Egypt. One reason is its sheer antiquity because Egypt is one of the oldestRead MoreThe Mysteries Of Ancient Egypt1572 Words   |  7 PagesMysteries of ancient Egypt attracted the attention of archeologists and ordinary people for many centuries. An enormous impact on the history of Egypt was religion, it shaped the everyday life of all the egyptians. They wanted an afterlife in Aaru, heaven. It was the ultimate goal. People s lives were rotating around religion, and everything that was tangent to it. The peculiarity of religious beliefs of the ancient Egyptians developed because of the geographical location of the state. Around 3000

Beowulf Assessment Free Essays

In the epic, Beowulf, the main character faces many antagonists who have the exact opposite of the virtues of Anglo-Saxon culture. Beowulf, the protagonist, obviously possesses all the virtues important to Anglo-Saxons. The first antagonist that Beowulf faces is named Unferth. We will write a custom essay sample on Beowulf Assessment or any similar topic only for you Order Now Unferth is not loyal in that killed his brother slyly and that he offers Beowulf a sword to fight Grendel that shows that he is too cowardly to fight the monster himself. Loyalty and bravery are two of the most important virtues present in Anglo-Saxon literature. Unferth is also demeaning and cruel to his guest Beowulf. In most Anglo-Saxon literature, hospitality towards guests is very important and expected. The next antagonist is Grendel. He is very ambiguous and very monstrous in appearance although exhibiting many human emotion and impulses. Grendel exhibits aggression, loneliness, and jealously. He is somewhat cowardly in that he attacks at night when men are asleep and he runs back to his lair after his encounter with Beowulf. Grendel’s mother has the same virtues as her son except she fights out of anger. She really has no cause for fighting. The dragon is very grotesque and preys on the town. He is very selfish which is not part of an Anglo-Saxon protagonist like Beowulf in that he attacks the town after having one piece of treasure stolen. All three monsters are portrayed as evil, aggressive villains especially since they battle against the hero, Beowulf. Unferth is a human example of a protagonist lacking loyalty and bravery. How to cite Beowulf Assessment, Essay examples

Gerrymandering Election and Politicians free essay sample

Gerrymandering The term gerrymandering refers to the practice of altering voting districts in order to achieve electoral results favorable to one person or party, usually the incumbent politician or party creating the new voting regions. 1 This term, dating back to 1812, is an established method for incumbent politicians to improve their heresthetical â€Å"defense,† by manipulating the dimensions of the political landscape. 2 This tactic is extremely common in the United States and a prime example of politicians acting as manipulators. This essay will argue that politicians are manipulators, as evidenced by the gerrymandering of voting districts to improve odds of maintaining power, and opposition attempts to counteract this electoral maneuvering. The term â€Å"Gerrymander† originated in Boston in 1812 while Elbridge Gerry was governor of Massachusetts. 3 In the previous year, Governor Gerry ratified a redistricting plan that greatly improved the odds of his Democratic-Republican Party in the state senate elections. Cartoonists in the Boston Gazette likened the shape of one of the contorted districts to a salamander, and writers in the Massachusetts Spy continued the metaphor by adding Gerry’s name, and accusing the governor of helping elect â€Å"Gerrymanders. We will write a custom essay sample on Gerrymandering: Election and Politicians or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page †5 This term took hold, and was widely used by Federalists throughout the state to disparage the governor’s alteration of voting districts for political gain. Although the term â€Å"Gerrymandering† originated in New England in the early nineteenth century, the practice of manipulating electoral regions can be seen as early as 1788. Patrick Henry, of the Anti-Federalist party, strategically created the borders of the Fifth Congressional District to ensure that the noted Federalist James Madison would be unable to gain a congressional seat. 7 This original gerrymander, although unsuccessful in its attempt to prevent James Madison from becoming elected, set the stage for the method political incumbents would go on to employ for the next three centuries to hamper their opponents. 8 Gerrymandering tactics can be divided into two different methods of improving electoral results. Referred to as â€Å"packing† and â€Å"cracking,† these opposite approaches are used to either add more favorable voters to a district, or divide the votes of a particularly unfavorable neighborhood. 9 â€Å"Packing† is the process of maneuvering electoral borders to include enough neighborhoods and boroughs favorable to a politician that he may improve his chances of reelection. 10 â€Å"Cracking† prevents regions of voters adverse to a politician from preventing his reelection, by either placing these regions in another district, or splitting the votes between otherwise favorable districts. If these votes for the opposition, for example the Republican Party, are split into different largely Democratic districts, they may be counterbalanced by the overwhelmingly Democratic votes. Rather than have one district elect a Republican, these votes are negated by the Democratic votes in both districts, and two Democrats are elected. The combination of these two gerrymandering options allows incumbent politicians to significantly improve their reelection bids. In a New York Times article chronicling gerrymandering in New York State, the author decries: This process [Gerrymandering] has worked so well for so many politicians that the New York Public Interest Research Group reports that in 2008 more than half of the state’s 212 legislators were re-elected with more than 80 percent of their districts’ votes. In 57 districts, the incumbents ran unopposed. 12 The writer makes the point that post-2002 census redistricting resulted in extremely low rate of political turnover. More convincing than the fact that the majority of incumbents retained their seats by overwhelming margins is the shocking statistic that a quarter of the incumbents were uncontested. 13 These politicians were so successful at arranging favorable districts that it was futile to even attempt a challenge. The author continued to examine particularly egregious cases of gerrymandering in New York, including that of Senator Guy Vellela, who once selected voters for his district by individual city blocks. Senator Guy Vellela, as well as the other state senators of New York, are prime examples of politicians exploiting gerrymandering to manipulate the outcome of elections and improve their outcomes. Riker argues that these bold uses of gerrymandering are made possible, and even encouraged, by two landmark Supreme Court Cases. Baker v. Carr and Reynolds v. Sims were two similar cases from the 1960’s that addressed the unequal representation caused by the unwillingness of politicians to adjust the electoral districts to accurately reflect the major population changes of the twentieth century. Baker v. Carr and Reynolds v. Sims forced Congress and state legislative bodies to correct this inaccurate political representation by mandating equally sized voting districts. 16 In fact, Reynolds v. Sims went so far as to require a voting population difference of no more than ten percent between the largest and smallest electoral districts. 17 Furthermore, a judicial requirement that African-American voters be districted in manner that allowed for the election of African-American representatives was an open encouragement by the courts to gerrymander. Politicians manipulate these well-intentioned rulings, which sought to improve political representation, to aid their goal of holding on to their elected positions and maintaining a grip on power. A perfunctory examination of the practice of gerrymandering reveals that politicians are devious manipulators, who exploit Supreme Court rulings and the resulting equal representation rulings to ensure reelection. However, upon closer inspection, it could be argued that gerrymandering, with its negative association among voters who associate it with electoral cheating, is not a manipulative tactic because it can result in a voter backlash against the gerrymandering politician. 19 Riker states that gerrymandering can shift the heresthetical advantage to the â€Å"Outs,† who may capitalize on this voter resentment to steal the seat from the incumbent. 20 As a potentially damaging tactic, and one that can be explained by court ordered redistricting, one may attempt to paint gerrymandering as a tactic that is not solely manipulative. However, this does not explain the strange outlines, reminiscent of teapots and other nonconventional shapes, that are commonly created, which just happen to improve the political odds of the incumbent. 21 If gerrymandering were not a calculated manipulation of the political districts to favor the incumbent, the shape of districts and voting blocs would be more logical and commonsense, and would not result in especially favorable or unfavorable voting regions. In conclusion, politicians are manipulators, as evidenced by the practice of gerrymandering. This redistribution of voters to different districts, so that the election tallies will most benefit the incumbent, is a means by which both incumbents and their unelected opposition attempt to manipulate the system. Incumbents alter the dimensions of their constituency to improve their results of their reelection campaign. The opposition must play heresthetical offense and aggressively protest against â€Å"unfair† electoral processes, and turn the voters against the â€Å"cheating† incumbent. This practice, used to varying degrees of success for over two hundred years, is a perfect example of the manipulations politicians undertake to either maintain office or achieve it. The best summation of the manipulative nature of gerrymandering is the saying, â€Å"In gerrymandered election districts, the voters don’t choose their politicians-the politicians choose their voters! †22 Works Cited Amy, Douglas J,. Real Choices/New Voices: How Proportional Representation Could Revitalize American Democracy. New York: Columbia University Press, 2002. Online. â€Å"Gerrymandering, Pure and Simple. † Editorial. The New York Times. 11 November 2009. Riker, William H. The Art of Political Manipulation. New Haven: Yale University Press, 1986. Print. Robins, Michael D. Gerrymander and the Need for Redistricting Reform. Version 7. FraudFactor. com, 5 December 2000. Online. 4 December 2011. Stroupe Jr. , Kenneth S. â€Å"Gerrymandering’s Long History in Virgina: Will This Decade Mark the End? † The Virginia News Letter. Volume 85 No. 1 (2009): 1-10. Online.