10 Facts on Real Estate Finance for a Research Project

10 Facts on Real Estate Finance for a Research Project Like with most industries were business operations are carried out solely for the reason of making a profit, the real estate industry relies heavily on finance to keep its wheels spinning. Therefore, it should come as no surprise if one is asked to conduct research projects consisting of financing in real estate. Finance in real estate affects both sides of the demand-supply chain as real estate owners require funding to build accommodating structures, while home owners or rent seekers require funds to buy or rent the homes they plan to reside in. Therefore, to simplify the task of understanding real estate and the role finance plays in it, this article will be providing some important facts covering today’s subject matter which will aid anyone looking for statistics to back up his or her research project. This article will be the first in a three-part series providing materials on creating a research report  and the follow-up articles will consist of topics which you can choose from as well as a sample essay on how to write extensively on real estate finance. So in that vein, here are the 10 facts promised at the beginning of the series: In the United States, the market crash which occurred in the 1980’s led to the consolidation of lending institutions and this weeded out unstable financial institutions. By 2009, the number of savings and loan banks in the US was reduced from 4,022 by 1990 to 1,158 in 2009 while commercial banks reduced from 15,000 to 6,379 in the same time period. A large number of these financial institutions were put under the control of the Federal Deposit Insurance Corporation and the Federal Reserve Bank. Although savings and loan banks as well as commercial banks form the larger part of financial institutions that back the real estate sector, credit unions have also played a part in financing residential project in the real estate sector. Statistics show that the 7,244 credit unions in the US currently control $285billion as well as $121billion in loans to its members and the chunk of these loans goes into the real estate sector. The lucrative nature of the real estate sector has also attracted interest from other financing verticals such as the Life and Health Insurance niche. Statistics provided by The Insurance Information Institute show that companies in the life and health insurance niche invest approximately 9.85% to 10.87% of their total asset in residential loans. As of 2008, the amount put to this percentage was $327.4billion in real estate loans and this number spans across both residential and commercial properties in the US. In 2006, substantial losses in the loan and savings industry led to the creation of the Federal Deposit Insurance Act which ensured that all financial institutions- loans, savings, and commercial banks- operated through a mutual Deposit Insurance Fund in other to sanitise the loan and insurance industry. This in turn led to the restructuring of the residential loan market for both mortgage lenders and borrowers. The Safe Mortgaging Licensing Act was created in 2008 to provide regulations for mortgage lending originators (MLO) before a company can function as a mortgage provider for families, households and individuals. To ensure that MLOs function between legal frameworks, they are required to register with the Department of Real Estate (DRE) before going into operation. A maximum penalty of $10,000 can be levied on MLOs that refuse filing with the DRE as required by the act. The real estate market is affected by fluctuations in the economy and appreciations and deflations occur when a boom or recession happens. Statistics show that commercial properties in the United States fell between 40 to 50% between 2006 and 2010 due to the recession that occurred between these periods. While for residential properties, their market value depreciated between 20 to 50% in the same timeframe. The real estate market experienced its largest peak period in the 90’s due to a strong economy and the availability of mortgage and loan rates/plans that were favourable to potential buyers. Statistics showed that the real estate industry experienced a 30-40% growth between the year1990 and 1998. This was due to 100% financing plans and the hunger to make quick profits by flipping real estate ownership. The 2007 economic recession led to the largest real estate meltdown recorded in US history. This led to the largest number of foreclosures in the United States within a one-year period. Statistics showed that in 2009, the situation had deteriorated to a level where there were more foreclosures than marriages recorded for the first time in the US history. The fall of the real estate sector was attributed to poor financial planning from the 90’s boom as well as the economic recession experienced in that timeframe. Statistics from the Federal Deposit Insurance Corporation (FDIC) showed the aftermath of the economic recession on loans and financial institutions in a public report at the end of 2010. The bleak numbers were that the number of non-performing commercial loans continued to increase for the next 16 consecutive quarters. Also, 775 banks which made up 10% of the total number of banks in the US were listed as problematic depository institutions due to loan defaults primarily from the commercial and residential real estate industry. The state of Utah records the lowest number of homeless people due to the policies set in place by its government. The policy includes affordable housing loans as well as the giving out of free homes to homeless residents since 2005. Statistics in 2014, show that Utah had reduced its homeless population by approximately 74% when compared to its 2005 numbers. Here, we come to the end of the 10 important facts on real estate and finance which you should consider as important facts and statistics which to use in buttressing the arguments or questions raised in your project. This is intended to simplify your research project and the preceding articles in the series will provide more information on how to go about writing a research project guaranteed to get you the top marks you deserve. So we endeavor you stay tuned to our next pieces 20 topics and 1 sample essay on real estate finance as well as the research project guide on the subject. References: Department of Real Estate (2013). Real Estate Finance. dre.ca.gov/files/pdf/refbook/ref12.pdf Babalola, O. (2002). An appraisal of the Impact of Primary Mortgage Institutions in Housing Procurement in Nigeria. Journal of the Nigeria Institution of Quantity Surveyors vol, 13-16. Federal Mortgage. (2003). Mortgage News: A Quarterly in-house Journal of the Federal Mortgage Finance Ltd; vol 1 no. 4. William, B. (2013). Real Estate Finance and Investments, Thirteenth Edition. gbv.de/dms/zbw/516413465.pdf Steve, B. (2008). The Complete Guide to Real Estate Finance for Investment Properties. http://cdn2.media.zp-cdn.com/21275/Steve_Berges_-_Complete_Guide_to_Real_Estate_Finance_for_Investment_Properties-52a7ef.pdf The EPA Journal. (2005). The Anatomy of a Real Estate Development. https://clu-in.org/conf/tio/refinancebasics_050906/prez/FinanceBasics050106bw.pdf Retipster.com. (2011). 35 Real Estate Facts. http://retipster.com/35-real-estate-facts/

Information Technology (IT) Vocabulary for ESL

Information Technology (IT) Vocabulary for ESL The Information Technology Field is large and accounts for a lot of jobs. If English isnt your native language, it can be difficult to know what vocabulary you need to use for work or talking about the industry. You can find the right words in the Occupational Handbook provided by the United States Department of Labor, but looking through all of them can be overwhelming. To make things easier, here is a list of some of the most important English vocabulary items for the information technology field, selected from the Occupational Handbook. This list is by no means complete. However, it provides a good starting point to further explore the vocabulary youll use in the industry. Each word includes its ​part of speech. There are a number of suggestions at the end of the list to help you build on and further improve your vocabulary. Top Information Technology Vocabulary Ability - (noun)Accounting - (noun)Addition - (noun)Adequate - (adjective)Administrator - (noun)Advance - (noun / verb)Analysis - (noun)Analysts - (noun)Analyze - (verb)Annual - (adjective)Application - (noun)Architect - (noun)Area - (noun)Arise - (verb)Associate - (noun / verb)Background - (noun)Business - (noun)Carpal - (adjective)Carrier - (noun)Certification - (noun)Chapter - (noun)Chief - (noun)Code - (noun / verb)Common - (adjective)Communicate - (verb)Communication - (noun)Competitive - (adjective)Computer - (noun)Computing - (noun)Concentrate - (noun / verb)Considerable - (adjective)Consultant - (noun)Consulting - (noun)Coordinate - (verb)Create - (verb)Customer - (noun)Cyber - (adjective)Data - (noun)Database - (noun)Deal - (noun / verb)Decline - (verb)Demand - (noun / verb)Design - (noun)Designer - (noun)Detailed - (adjective)Determine - (verb)Developer - (noun)Development - (noun)Discussion - (noun)Effectively - (adverb)Efficiency - (noun)Electronic - (adjective)Employ - ( verb) Engineering - (noun)Engineer - (noun)Enterprise - (noun)Environment - (noun)Equipment - (noun)Expertise - (noun)Eyestrain - (noun)Finance - (noun)Financial - (adjective)Firm - (noun)Force - (noun / verb)Function - (noun)Goal - (noun)Graduate - (noun / verb)Hardware - (noun)Implementation - (noun)Install - (verb)Institution - (noun)Instruction - (noun)Insurance - (noun)Integrate - (verb)Intranet - (noun)Introductory - (noun)Involved - (adjective)Keyboard - (noun)Knowledge - (noun)Laboratory - (noun)Language - (noun)Latest - (superlative adjective)Lead - (noun / verb)Leadership - (noun)Level - (noun)Location - (noun)Lowest - (superlative adjective)Maintain - (verb)Maintenance - (noun)Marketing - (noun)Mathematics - (noun)Matrix - (noun)Median - (noun)Mobile - (adjective)Monitor - (noun / verb)Nature - (noun)Network - (noun)Networking - (noun)Officer - (noun)Office - (noun)Offshore - (adjective)Order - (noun / verb)Organization - (noun)Outsourcing - (noun)Oversee - (verb)Pdf - (noun)Per form - (verb) Performance - (noun)Period - (noun)Plan - (noun / verb)Prevailing - (adjective)Problem - (noun)Process - (noun / verb)Product - (noun)Program - (noun / verb)Programmer - (noun)Project - (noun)Projections - (noun)Promoted - (adjective)Prospect - (noun)Provide - (verb)Publishing - (noun)Rapid - (adjective)Reduce - (verb)Relevant - (adjective)Remote - (adjective)Replace - (verb)Research - (noun / verb)Resource - (noun)Respond - (verb)Rounded - (adjective)Sales - (noun)Science - (noun)Scientific - (adjective)Scientist - (noun)Section - (noun)Security - (noun)Service - (noun)Simultaneously - (adverb)Site - (noun)Software - (noun)Sophisticated - (adjective)Specialist - (noun)Specialized - (adjective)Specific - (adjective)Spend - (verb)Staff - (noun)Statistic - (noun)Substantial - (adjective)Sufficient - (adjective)Support - (noun / verb)Syndrome - (noun)System - (noun)Task - (noun)Technical - (adjective)Technician - (noun)Technological - (adjective)Technology - (noun)Telecommunications - ( noun) Title - (noun)Tool - (noun)Training - (noun)Transfer - (noun / verb)Uncommon - (adjective)Understanding - (noun)User - (noun)Variety - (noun)Vendor - (noun)Web - (noun)Webmaster - (noun)Wireless - (adjective)Worker - (noun)Workplace - (noun) Improving Your Vocabulary Tips Review each word in the list. Do you know its meaning? If not, look it up in the dictionary.Use each word in a sentence. Using a new word both when speaking and writing will help you remember it.Use the words to describe your job, or working in the information technology profession in general. How specific can you be? Which words do you need beyond this list? Make sure to keep track.Learn synonyms and antonyms by using an online thesaurus  to further extend your vocabulary.Use a visual dictionary. It  will help you learn the names of specific equipment used in the industry.Listen to co-workers and note how they use these words. Ask co-workers about new words when youre not sure.Ask co-workers questions about how new words are used at work.Search online for information about information technology. Listen to podcasts on the subject, read a blog about agriculture. Keep informed in English and your knowledge of related vocabulary will grow quickly.

Social And Economic Imbalance In The Todays Society Essay

Social And Economic Imbalance In The Todays Society - Essay Example This kind of economic contrast is seen in the two essays, Working at Wendy’s and Dumpster diving, the writers of both the essays are in different sorts of economic conditions and had to do socially unappreciated jobs in order to deal with their own circumstances and conditions and doing these jobs they had to came to know about the social discrimination in different styles which are still existent in the today’s settings. Joey Franklin the writer of Working at Wendy’s believes in the power of positive thinking and appreciates the struggles of people who were his co-workers at Wendy’s which is considered to be a low profile job but in his essay J. Franklin describes many people with whom he worked and elaborates that all of these people had all kinds of reasons to work there; to stay out of jail, to support their families financially and to pay bills. Working at Wendy’s was something that Franklin had sworn never to do the with the birth of his first child and his wife still studying, the financial conditions became tight and he had to find some night job and in this way, he could spend time with his son in the daytime. In this time of high competition when to get any job one has to beat thousands of other applicants and then gets the job but it was not the case at Wendy’s; there Franklin got the job by only answering two questions i.e. â€Å"What hours you want to work?† and â€Å"When you want to start?† and later he learned that even working in this place was not easy.  ... â€Å"What hours you want to work?† and â€Å"When you want to start?† and later he learned that even working in this place was not easy. He found himself incompetent in a job where he didn’t think he would be incompetent and he realized it when he was standing in the line of sandwiches and a high school dropout yells at him, â€Å"Come on Joe! Get it right!† When he told about this job to his father, he did not approve such a low profile job for his son who was two semesters away from graduating and everyone he knew felt sorry for him that he had to work at such a place and that is how he always had to face the social disparity just because of the type of job he was doing. He did not like the work himself but he was satisfied that his family loved him and all his hard work was paid off. Later he said, â€Å"I learned that what is most important to me is not how the world views me, but how my family views me†¦ and the reality is each of us will make the greatest mark between the four walls of our home.† (Lorimer) Lars Eighner the writer of Dumpster Diving called himself a scavenger rather than someone who picks up anything which could be used from the dumps. As Eighner’s savings started running out he had to suffice on his intermittent income to pay his rents and depend on dumpsters his necessities like food, toilet paper, medicine and other things which found and were usable in any way for him or his dog Lizbeth. In these conditions of financial breakdown he learnt many things like which things could still be used when those were thrown away in the dump and how the discarded food could be safe to consume. He uses lofty vocabulary in his essay to gain credibility for the processes he used to refine the food he collected from the dumps like he says,

Defining concept of design thinking Assignment Example | Topics and Well Written Essays - 2000 words

Defining concept of design thinking - Assignment Example 1). It permits people who are not trained as designers as well to utilise creative tools in order to cope with the fast range of growing challenges. Design thinking is basically a human process, which taps into people’s skills, but it is normally ignored by more traditional problem-solving method (Hunter 2015, p. 1). Design thinking depends on people’s ability to be intuitive, identify patterns, develop ideas, which are meaningful and functional, and communicate well through methods past symbols and words. No one wants to run a company of intuition, feelings and inspiration, but an over-dependence on the analytical and rational can be just as dangerous (Polsani 2010, p. 1). This is where design thinking comes in – to offer an integrated third way (Hunter 2015, p. 1). Keeping in line with that, this paper will complete a thoroughly researched essay that defines the concept of design thinking. It will explain how each and every example is linked in some way and als o discuss examples of design thinking in a real business world. Today’s organisations go through multifaceted problems and issues, which are basically part of more and more complex business models. Constant expansions of worldwide transactions, supported through partnerships, which can span huegeecosystems, create both unique challenges and unique opportunities for businesses and organisations (Polsani 2010, p. 1). The process of design thinking is best considered as a system of overlapping spaces instead of a chain of orderly steps. There are three key spaces to bear in kind including ideation, inspiration and implementation (Hunter 2015, p. 1). Inspiration is the opportunity or problem, which motivates people to look for answers or solutions. Ideation, on the other hand, refers to the process of collecting, developing and analysing ideas. And, finally, implementation is the route that leads from the

Aging and the Elderly Essay Example for Free

Aging and the Elderly Essay Aging is the length of time during which a being or thing has existed length of life (Webster dictionary). Growing old and becoming an elderly person can be challenging but, yet it can be very rewarding, it can bring a lot of good and bad. Aging has its rewards, but it presents the challenges of all stages of life. Growing old consist of gradual, ongoing changes in the body, changes such as shrinking in height in which the elderly tends to get shorter as he or she age. Elderly people tends to have less appetite which causes them to lose weight, and a decline in strength and vitality, which can sometimes make them feels very weak at times and needs either a cane or a walker or even someone to help assist them in walking. The life expectancy in the United States is going up which means people are living longer than before due to better medications that are out there which have raised the living standards. The life expectancy in the United States in the 1900’s for women would be to live only forty eight years, and for a male the life expectancy in the United States would be to live only forty- six years, as study shows that women in the U.S lives longer than men. Now females can be expected to live eighty years plus and men can be expected to live to be seventy-five years old. Greater material wealth and advances in medicine have raised living standards so that people benefit from better housing and nutrition. Medical advances have almost eliminated infectious diseases such as smallpox, measles, and diphtheria which had killed many infants and children many years ago. (John Macionis, 2009). As life becomes longer, the oldest segment of the United States population, people over the age of eighty-five years of age is increasing rapidly and is forty times greater than in nineteen hundreds. As the average age of the population rises and the share over age sixty-five climbs ever higher, culture patterns are more likely to change, age segregation will decline as the elderly population increases, the younger population, will see more of the older population where the younger population usually are, such as malls, sporting events, and etc. Elders in the United States are men and women of all races, classes, and ethnic backgrounds. There are two types of elderly, the younger elderly, which are between the ages of sixty-five and seventy-five and lives independently with good health and financial security whom are likely to live in a house with each other as couples, then, there are the older elderly whom are past the age of seventy-five, most likely to live with a family member (usually a daughter), have health problems and financial insecurity being divorce or a widow. As someone ages there are a lot of biological and psychological changes that happens in their life, such things as Gray hair, wrinkles, and etc. The ability to learn new materials and think quickly declines. Although, aging is more visible internal, there are a lot more of internal effects of aging as well, which are more critical. As we all age, it is important for us to know the normal course of aging. What happens to us as we age? As we age, health problems start to rise at about or over the age of seventy-five, women typically lives longer than men, they tend to suffer more from chronic disabilities like arthritis. The brain As a person age and becomes an elderly, their brain undergoes different structural changes, the brain regions shrinks and becomes filled with fluid, aging impairs the ability of the brain to encode new memories and facts, while processing speed and reflexes decline. The aging of the brain can cause neurological diseases like Parkinson, Lou Gehrig’s disease and Alzheimer. Age-related changes occur in two regions of the brain. The first region is the frontal lobe, which is the area of the brain behind the forehead and the eyes. It is felt that certain memory process supported by this region degenerate with age. The other region affected by age is a C-shaped area deep inside the brain, which is known as the hippocampus, there is where there, is a dramatic deterioration of explicit memory capacities supported by this region as we get older. Intergumentary system The skin develops wrinkles and dark spots, skin becomes very easy to tear, and saggy because of the ability of the skin to produce oil, the skin becomes very dry and lusterless. The aging process affects groups of cells within hair follicle. Hair becomes thinner, hair color changes from its normal color to gray then eventually to white as cells quit functioning. Aging affects the bone strength to decline, friction between joints increases which causes pain while they move. There becomes a loss of density and strength due to porous. There is a depletion of minerals like calcium and phosphorus which makes the bones weak and fragile easily to have bone fracture which can cause an elderly person to be wheelchair or bedbound for life. Eyes, Ears (senses) Our vision changes as we age, objects appear blurred or unable to be seen. The combined alterations of the cornea, iris, lens and ciliary bodies can account for most of the age-related changes in our visual perception. The pupils become less responsive and more sensitive to glare. The iris gets stiffened, cataracts and glaucoma becomes common, we don’t see as well as we use to. The lens thickens and takes o a yellowish hue, which reduces the ability to discriminate colors in the green-blue-violet range. Most elderly people then need glasses or even a magnifying glass in order to be able to see, especially when reading. Hearing is loss because the eardrum thickens, ear cells can be damage, and in that case a hearing aid is needed in order for the elderly person to hear. Cardiovascular system What happens to the heart as we age? There is a decline in the cardiac capacity. The cardiac stroke volume rate goes down, oxygen consumption declines. Heart muscles relaxes less between beats (becomes stiffer), heart may not pump blood as efficiently, walls may thickens, and becomes less elastic, reflex that maintain blood pressure upon standing up may becomes slower. Types of heart diseases that are more common in the elderly are heart failure, isolated systolic hypertension, aortic stenosis, sick sinus syndrome, atrial fibrillation and even stroke. Digestive system The digestive system start weaken gradually, the elderly sometimes have trouble digesting foods, their diet becomes different with age, much fiber is then needed in their diet. The digestive system looses efficiency, teeth lost, and oral diseases increases with age. Esophagus wears down with time, making swallowing difficult, sphincter muscles in the stomach weakens. Digestive muscles lose some of its flexibility with age and cause an elderly unable to swallow. Reproductive system and Urinary system The reproductive system, hormones levels changes in elderly people. The change in the reproductive system changes the effect of the urinary system functions. In the urinary system, the kidneys gets smaller with age, blood flow is reduced, sensation of needed to urinate is often delayed in some people, in other elderly people they can become very unable to hold urine and have to go to the bathroom often. As we age, some of us go through social isolation, meaning that we do not have any kind of contact with anyone, whether it is by not going out or not wanting anyone to visit. Social isolation brings depression in the elderly which is why many elderly are taking antidepressants to lift up their moods along with other medicine. Sometimes the cause of social isolation can be because of the death of their significant other, lost of income due to retiring, not getting enough money which can be the reason why the elderly people are in poverty. Elderly women especially tends to hide poverty and keep it to themselves, they do not want anyone to know because of their personal pride, they want to remain independent, not having to depend on family members for survival needs. Care giving A caregiver gives care to anyone that is unable to care for themselves. When an elderly becomes unable to care for his or herself, family members have to figure out how they are going to be able to care for him or her. Usually the daughter of the elderly person takes care of them; if not then it would probably the daughter in law. There are several aspects that are involved in taking care of the elderly. Most caregivers spend more than twenty hours per week providing care, if the elderly person that needs care is a total need, then care giving can be a twenty four hours seven days a week job, Which can be a burden on the caregiver. The caregiver provides care such as bathing, shaving, running errands such as dropping off, and picking up medication, preparing nourishing meals, doing the laundry, shopping for groceries, and etc. Many caregivers experiences mental and physical fatigue, emotional distress, and guilt over not being able to do more. The caregiver being so stressed out can sometimes abuse the elderly if the work is found to be too difficult, which can go unreported at times. Now there are many state charitable institutions where you can place the elderly such as nursing homes, adult day cares, assisted livings, hospice which depends on whether or not the elderly is terminally ill, and etc. Many people fear of placing their love one in nursing homes because, they fear the abuse that goes on in there, so therefore they can either pay a private sitter to care for their love one or they would have to give up their jobs to care for them. Lastly, death is the final stage in the life of an elderly; usually death can be from being very ill, or very old. When death occurs, family members grieve at the same time they feel a sense of relieve from having to take care of that person and having to give up their social life in order to care for that individual. My experiences: In working on, my research paper, I have learned a lot about the elderly. Something’s I may have already know because I am a certified nursing assistant, I have been working as a nursing assistant for ten years now. As a certified nursing assistant my job is to provide personal care such as bathing, shaving, shampooing hair, assisting with medicine, and running errands. Being a certified nursing assistant is a very challenging job but, it is a very rewarding job, it makes me feel good to see that I am able to make a difference in someone else’s life, and to be able to help someone. I enjoy what I do although, it is a stressful job, but just putting myself in their shoes makes me feel that it is a job worth doing. Some of the elderly people can be sweet and lovable, some can be a bit mean, and their attitudes sometimes have to do with their illness. To me I think even though it is not easy to be an elderly, having to deal with so much such as health issues, ageism, poverty, depending on other people to care for you, It is a blessing to live to be old, knowing that you have seen perhaps your third generation. References Articlebase.com (2011, Elderly care) Dictionary.com, (Aging). Retrieved August 16, 2011. http://www.everydayhealth.com http://www.righthealth.com Macionis, J.(2009)

Characters Most Responsible for Juliets Death in Shakespeares Romeo and Juleit :: Free Romeo and Juliet Essays

In the play Romeo and Juliet, by William Shakespeare, Juliet fakes her own death. Some responsibility for this goes to a number of characters in the play, with some characters being more influential and others playing small parts in the matter. Three stand out as contributors to her decision: Tybalt, Capulet, and Nurse. Tybalt did not take a direct role in Juliet’s ‘death’, but he set the course for incidents that lead to it. As a Capulet, he had long participated in the feud between his family and the Montagues. The day after he spotted Romeo at a party hosted by his family, he went out looking for him – and a fight. He accidentally murdered Mercutio, Romeo later killed him in revenge. Juliet, rather than being upset by Tybalt’s death, sobbed for Romeo, who was banished for the murder. The misunderstandings regarding Juliet’s grief led to a marriage she felt she could only escape by faking her own death. While Tybalt was not immediately involved in Juliet’s ‘death’, he played such a major role in starting the events that would ultimately lead to it that he must be deemed partly responsible. Capulet was far more direct a part of Juliet’s death than Tybalt was. Also a Capulet, he had fought with the Montagues on numerous occasions. He did not force Romeo to leave his party, but whether he was prepared to be friendly with the Montagues was another matter. Juliet believed that her father would never approve of her marriage to Rome, so she kept it a secret. As a result of being unaware that his daughter had already married, Capulet arranged Juliet’s marriage to Paris, Capulet assumed that she was crying in grief over Tybalt and would be heartened by getting married. When Juliet insisted she didn’t wish to marry Paris, he would hear none of it. He thought her ungrateful and disobedient, and he refused to change his plans. Juliet could see no way out except to fake her own death. Had Capulet been more understanding and flexible, Juliet’s fake death – and, later, her real one – could have been avoided. Nurse was a fickle character, her changeability was significant in partly causing Juliet’s pseudo death. Juliet confided in Nurse when she met Romeo. Nurse not only encouraged the marriage, but went as far as arranging it. However, when Capulet made plans for Juliet to marry Paris, Nurse told Juliet that Paris was better for her.

Narrative on `The Dream of the Rood`

As the first known â€Å"dream poem† in English literature, â€Å"The Dream of the Rood† has stood as one of the most celebrated and profound works in verse around the world. Along with a penetrating, mystical vision of Christian spirituality and illuminating Biblical allusion, the poem offers a diverse and inspired form and diction to match its powerful theme and images. â€Å"The Dream of the Rood is best understood as an imaginative re-enactment of a private penitential experience[†¦] This critically acclaimed, dramatic Old English poem is the first dream-vision in English, and its most enduring features are a startling use of language, powerful prosopopoeia, and striking imagery.† (Butcher) Along with religious imagery which overtly signals the spiritual and penitential themes of the poem, â€Å"The Dream of the rood† extends truly original diction and meter to propel its impact. The basic â€Å"story† of the poem may have been drawn from earlier sources, poems which utilized the same theme: â€Å"an older poem describing the crucifixion of Jesus which may possibly have been written by Caedmon or one of his school, and which Cynewulf took up and worked at in his own fashion, adding to it where and how he pleased, and changing its mode of presentation — making it, for instance into a dream, and adding the personification of the Tree. (Brooke 438) Using the theme of   Christ’s crucifixion allowed the poet to soar into inventiuve language and word-choice, to establish poetry which addressed the spiritual and religious impulses of the Anglo Saxon world: â€Å"More explicitly in what is perhaps the most famous of the Anglo-Saxon Christian poems, The Dream of the Rood, the poet represents the Crucifixion as a physically active and heroic act.† (Crafton 214) This basic story is both straightforward and mystical: â€Å"the speaker tells of his swefna cyst, best of dreams, in which he sees the cross of the crucifixion, alter nately bejeweled and bloody, in the sky. The cross then speaks, giving its own first person account of the Passion of Christ, and encouraging the dreamer to spread the message of the cross to his contemporaries.† (Dockray-Miller)  Ã‚   In order to capture the luminous and exalted feeling of inspiration and religious intoxication which permeate the poem, the poet engaged in the use of language which is both striking and deeply connotative. In generating the â€Å"narrative† of the poem, the poet resorted to the use of gender-charged or gender-specific language, to â€Å"personify† and attribute qualitites to  Ã‚  Ã‚  Ã‚   the elements of the poem which would enable its message to emerge powerfully.†Particularly concerned with how language could be used to signal a status of power, the poet of â€Å"The Dream of the Rood† used masculine- and feminine-coded language to signal a change in the status of power-figures.†Ã‚   (Hawkins) Evidence of controlled and inspired diction is obvious from the poem’s opening lines: â€Å"the poet announces he will recount the â€Å"swefna cyst,† or ’best of dreams,’ the first-time reader thinks nothing of the phrase except that it signifies excellence in dreaming, perhaps; however, on second and third passes through the poem, the reader becomes aware that this diction deserves close scrutiny[†¦] the poet is establishing that both his narrator’s dream and the tree in that dream are the â€Å"best†; that is to say, they are ultimate truth.†Ã‚   (Butcher). Likewise, the tree, described first in the poem’s fourth line as â€Å"â€Å"syllicre tr?eow’, an absolute use of the comparative â€Å"syllicre,† meaning â€Å"a tree more marvelous [than any other tree].† Syllic is a variation of the adjective seldlic, from which our seldom comes. Thus, â€Å"syllicre tr?eow† can also be translated â€Å"rarest tree.† Immediately, the poet has established the exceptional nature of his subject.† (Butcher). Works Cited Brooke, Stopford A. The History of Early English Literature: Being the History of English Poetry from Its Beginnings to the Accession of King Aelfred. New York: Macmillan, 1892. Crafton, John Michael. â€Å"11 Epic and Heroic Poetry.† A Companion to Old and Middle English Literature. Ed. Laura Cooner Lambdin and Robert Thomas Lambdin. Westport, CT: Greenwood Press, 2002. 210-229. Dockray-Miller, Mary. â€Å"The Feminized Cross of ‘The Dream of the Rood.'.† Philological Quarterly 76.1 (1997): 1+. Hawkins, Emma B. â€Å"Gender, Language and Power in â€Å"The Dream of the Rood†.† Women and Language 18.2 (1995): 33+. Butcher, Carmen Acevedo. The Dream of the Rood and Its Unique, Penitential Language 1+ www.carmenbutcher.com 2-5-07.            

Hospital Budget

Patton-Fuller Community Hospital Budget Over the years financial management has been a concept that is flourishing in the world of health care. â€Å"Until the 1960s, financial management in all industries was generally viewed as descriptive in nature, with its primary role being to secure the financing needed to meet a business’s operating objectives† (Gapenski, 2008, pg. 26). However, today, financial management holds a more significant role in the management of businesses overall. Now, the primary role of financial management is to plan for, acquire, and utilize funds (capital) to maximize the efficiency and value of the enterprise† (Gapenski, 2008, pg. 26). Similar too many happenings in health care, the specific goals of a business’s management financially is highly dependent on the nature of each particular business. Overall, financial management is a practice that will provide the theories, tools, and concepts needed in order for a company to make be tter decisions.The Patton-Fuller Community Hospital is one of these companies that take advantage of the financial management practices in order to make better decisions. Recently, a 2010 budget was developed using the 2009 projections, assumptions, and figures. The purpose of this paper is to analyze that budget and discuss which financial management practices will be most effective for this organization as well as which practices will be the least effective.The 2010 budget developed for the Patton-Fuller Community hospital projects that there will be a slight increase in total revenue, total expenses, and net income that will allow the organization to continue to make its turnaround in the following year. There are several financial management practices that will be helpful for the Patton-Fuller Community Hospital. The first financial management practice that will be effective for this hospital is evaluating and planning. This involves evaluating current operations of the organiza tion and evaluating their financial effectiveness in order to plan for the future.This can be anything from the organizations requirements in areas of managing cash to budgeting and reporting financial results. Continuing to produce projected budgets and assumptions for following years will ensure that Patton-Fuller Community Hospital is evaluating their financial situation often, and producing and expectant budgets for analyses. These projections will also allow them to plan for future increases or decreases in areas such as patient volume, utilities, supplies, salaries or ash on hand, so they do not come as a surprise. Giving the hospital an opportunity to plan for future events and accommodate for situations and operations that are either working for or against them, will help to keep the hospital from experiencing unexpected negative effects. The next financial management practice that will be most effective is long-term investment decisions. These decisions will focus on acquir ing new facilities and equipment, as well as the implementation of new strategic plans in the future of this organization.As far as equipment is concerned, the new budget specifies that new high-cost equipment has been installed within the last year. Air conditioning, telephone systems, all patient beds, and headwalls were replaced in 2009. It also states that depreciation rose sharply, however it is going to remain the same in 2010. Knowing that these improvements will not cost this organization money this year will allow them to plan ahead for capital investments, and possible expansion of the facility that will bring in more money for following years.Financial decision practices are going to be effective as well. â€Å"All organizations must raise funds to support operations. Such decisions involve the choice between internal and external funds, the use of debt versus equity capital, and the use of long-term versus short-term debt† (Gapenski, 2008, pg. 27). Applying this p ractice to the Patton-Fuller organization will help them to decide if the number of fundraisers needs to be increased, or whether more short-term or long-term investments will prove to be more useful.Despite only a slight increase in revenue, the Patton-Fuller Community Hospital must still support facility upgrades as well as maintenance and costly health information technology. The income that investments provide is typically viewed as an extra source of funding that this organization cannot go without. This type of practice will also be useful for the marketing department who projected in the 2010 budget that donations will be increased by 15%, which will also add to the hospitals expenditures in a capital budget.A financial management practice that may prove less effective for this hospital is contract management. â€Å"In today’s healthcare environment, health services organizations must negotiate, sign, and monitor contracts with managed care organizations and third-par ty payers† (Gapenski, 2008, pg. 28). The complexities that come with third-party repayment means that a large amount of time and resources are being spent on burdensome accounts, bills, and collection processes, instead of focusing on activities that will bring revenue into the company. Historically, the practice of finance had been driven by the Medicare program, which demanded that providers (primarily hospitals) churn out a multitude of reports both to comply with regulations and to maximize Medicare revenues† (Health Care Finance, 2012, para. 6). In order for a company to be financially functional, they must support cost containment efforts as well as be able to lead their company into the future, not just record what is happening and may be in the past. Spending less time negotiating with third-party payers will open up more time and resources that can be focused on increasing hospital revenue.When an organization is in a time of high profitability and is experienci ng an abundance of financial resources, the function of financial management tends to decline in importance. In an effort to control this decline, â€Å"Providers have been redesigning their finance functions to recognize the changes that have been occurring in the health services industry† (Health Care Finance, 2012, para. 9). That way they do not experience a time of fall because of their disregarding of these practice. Recently, a 2010 budget was developed using the 2009 projections, assumptions, and figures for the Patton-Fuller Community Hospital.The purpose of this paper was to analyze that budget and discuss which financial management practices were most effective for this organization as well as which practices were the least effective. Having strong financial management practices is vital to any organization as well as the economic well-being of the health care industry as a whole. ? References Gapenski, L. (2008). Understanding Healthcare Financial Management (5th e d. ). Chicago, IL: Bookcomp. Health Care Finance. (2012). Hospitals move to cash investments. Retrieved from http://www. healthcarefinancenews. com/news/hospitals-move-cash-investments-short-term-pressures-mount

Cellular Transport essays

Cellular Transport essays The transport of materials through cellular membranes is a crucial function for the survival of cells. There are three different methods of transport through which materials can pass through cellular membranes: active transport, passive transport, and facilitated or carrier mediated transport. In our lab experiment, we studied the active transport of the amino acid leucine into the bacterium Escherichia coli and the passive transport of water molecules into onion cells. In the first experiment, we attempt to substantiate the hypothesis that active transport of leucine in E-coli would only occur when cells are supplied with glucose since glucose enable the production of ATP (adenosine triphosphate). ATP supply the energy needed for active transport. Leucine is a radioactive aminoacid. Radioactive materials have been able to make biochemical assays less complex and improve the ability for biological researches to follow biochemical reactions in cells. One of the most important uses of radioisotopes is the ability for these isotopes to act as radioactive tracers. These tracers function as a tool for the study of metabolic and transport processes. The presence of a radioisotope does not change the chemical properties of a molecule. Since, they are able to emit detected particles, radioactive molecules can be traced in cells and cellular extracts. All radioactive isotopes have three properties: (1) they generally emit alpha or beta particles o r gamma rays or combination. (2) Half-lives (which are the time it takes for half of the radioactive material to decay) are used to measure the rate of radioactive decay. (3) The radioactive decay energy which measures the kinetic energy with which the particles are emitted (Bilington 7). In the lab, the radioactive tracer molecule, C14, was used in order to follow the path of the amino acid, leucine, in Escherichia coli ( a bacterium). This experiment In the passive transpo...

How to Conjugate the Verb Dare in Italian

How to Conjugate the Verb Dare in Italian The word dare† in Italian has the following meanings in English: to hand over, to pay, to entrust, to charge, to give up, and to let have. Considerations When Using the Verb Dare It’s an irregular first-conjugation verb, so it doesn’t follow the typical -are verb ending pattern.It can be both a transitive an intransitive verb the former taking a direct object and the latter not taking a direct object when conjugated with â€Å"avere.†The infinito is â€Å"dare.†The participio passato is â€Å"dato.†The gerund form is â€Å"dando.†The past gerund form is â€Å"avendo dato.† INDICATIVO/INDICATIVE Il presente io do, d noi diamo tu dai voi date lui, lei, Lei d essi, Loro danno Ad esempio: Ti do il mio numero di telefono, va bene? - I’ll give you my phone number, okay? Il passato prossimo io ho dato noi abbiamo dato tu hai dato voi avete dato lui, lei, Lei, ha dato essi, Loro hanno dato Ad esempio: Le ho dato un bicchiere di vino rosso. - I gave her a glass of red wine.Vi ho dato la mia fiducia! - I gave you my trust!/I trusted you! L’imperfetto io davo noi davamo tu davi voi davate lui, lei, Lei dava essi, Loro davano Ad esempio: Ogni mese mi dava cinquecento euro. - Each month, he gave me 500 euros.La mamma mi dava sempre un piccolo compito da fare. - My mom used to entrust me with a little task. Il trapassato prossimo io avevo dato noi avevamo dato tu avevi dato voi avevate dato lui, lei, Lei aveva dato essi, Loro avevano dato Ad esempio: Le avevo dato la camera migliore dell’hotel, ma si à ¨ comunque lamentata. - I had given her the best room in the hotel, but she still complained. Il passato remoto io diedi/detti noi demmo tu desti voi deste lui, lei, Lei diede/dette essi, Loro diedero/dettero Ad esempio: Mi diedero il mio primo premio vent’anni fa! - They gave me my first award twenty years ago. Il trapassato remoto io ebbi dato noi avemmo dato tu avesti dato voi aveste dato lui, lei, Lei ebbe dato essi, Loro ebbero dato TIP: This tense is rarely used, so don’t worry too much about mastering it. You’ll find it in very sophisticated writing. Il futuro semplice io dar noi daremo tu darai voi darete lui, lei, Lei dar essi, Loro daranno Ad esempio: Quando ci vediamo, ti darà ² una bella notizia! - When we see each other, I’m going to give you good news!Non credo che i proprietari daranno le redini dell’azienda ai figli. - I don’t think the proprietor will hand over the reins of the company to their sons. Il futuro anteriore io avr dato noi avremo dato tu avrai dato voi avrete dato lui, lei, Lei avr dato essi, Loro avranno dato Ad esempio: Le avranno dato una mano. - They must have given her a hand. CONGIUNTIVO/SUBJUNCTIVE Il presente che io dia che noi diamo che tu dia che voi diate che lui, lei, Lei dia che essi, Loro diano Ad esempio: Non voglio che il mio capo mi dia la promozione, voglio rinunciare! - I don’t want my boss to give me the promotion, I want to quit! Il passato io abbia dato noi abbiamo dato tu abbia dato voi abbiate dato lui, lei, egli abbia dato essi, Loro abbiano dato Ad esempio: Oh, penso che ti abbia gi dato le informazioni per il corso di Italiano. - Oh, I thought he had already given you the information about the Italian class. L’imperfetto io dessi noi dessimo tu dessi voi deste lui, lei, egli desse essi, Loro dessero Ad esempio: Non desiderava che gli dessi soldi, ma so che ha bisogno dell’aiuto. - He didn’t want me to give him money, but I know he needs the help. Il trapassato prossimo io avessi dato noi avessimo dato tu avessi dato voi aveste dato lui, lei, Lei avesse dato essi, Loro avessero dato Ad esempio: Se mi avesse dato un giorno in pià ¹, avrei finito i compiti! - If he had given me one more day, I would have finished the homework. CONDIZIONALE/CONDITIONAL In the condizionale/conditional: Il presente io darei noi daremmo tu daresti voi dareste lui, lei, Lei darebbe essi, Loro darebbero Ad esempio: Ti darei questa bottiglia d’acqua, ma anche io ho sete. - I would give you this bottle of water, but I’m thirsty, too.Vi daremmo pià ¹ soldi se foste pià ¹ coscienziosi! - We would give you more money if you were more diligent! Il passato io avrei dato noi avremmo dato tu avresti dato voi avreste dato lui, lei, egli avrebbe dato essi, Loro avrebbero dato Ad esempio: Ti avrei dato pià ¹ tempo da passare insieme, ma ero molto impegnato in quel periodo. - I would have given you more time to spend together, but I was really busy during that time.

Research, Evidence and Nursing Practice Assignment

Research, Evidence and Nursing Practice - Assignment Example Conditions used to make comparisons included untapped, therapeutic taping protocol and neutral taping protocol. (3) Authors utilized within-subjects study design, which entailed subjecting 18 participants to the three conditions at random coupled with assessing pain and observed disability. (4) Research’s scope encompassed assessing the extent of pain in each case and disability whereby the latter comprised of hindrance to the necessary knee mobility. Knee’s mobility tests used were walking speed, stepping ability, rising time and go tests. (5) Research’s content avails adequate information helpful in managing Maude’s predicament, which in this case entails reducing pain. Therefore, therapeutic taping will be of great help to her not only through reducing pain but also in preventing knee’s swelling. (6) Limitations in this study embrace â€Å"carryover effects†, use of small cohort and inadequate interval period between the tests. (7) The stu dy concluded therapeutic taping was inexpensive strategy compared to numerous approaches used in managing of knee OA. Justification (8) The study offers adequate information regarding managing of knee pain and disability (Hinman, Bennell, Crossley & McConnell, 2003). ... es its remedies with other approaches used in treating and managing knee OA whereby the researchers conclude both Therapeutic knee tape and neutral tape are cheaper. The other reason considered in selecting this article was its inexpensive remedy strategy aimed at reducing pain, whereby the people irrespective of their status can adequately afford. Therefore, its contribution in the medical field will encompass equipping medical personnel with adequate knowledge concerning varied and cheaper ways, which they will advise their patients to embrace. This is especially in managing Knee OA among the victims whereby with necessary training ailing people can adequately execute therapeutic taping in their homes. This will reduce high chances of disability commonly associated with Knee OA especially among the old people who in most cases tend to prefer sedentary life like in Maude’s case. Therefore, practitioners after advocating therapeutic taping to the people with Knee OA will compe l them to be active through their relatives, hence reduce numerous chances of disability observed among people taking medicinal approaches. This is an essential intervention, which practitioners can combine with medicinal approaches in reducing pain experienced by Maude. In addition, despite the authors in this article citing certain limitations that may hinder effective testing under each condition, its analysis is meticulous. This is evident in the already analyzed tests and clear presentation of statistical data in form of tables and graphs bearing evidences of diverse remedies’ outcomes under study. (1) Roddy, E., Zhang, W. & Doharty, M. (2005). Aerobic walking or strengthening exercise for osteoarthritis of the knee? A systematic Review. Annals of the Rheumatic Diseases, 64. 544- 548.