Change the American Philosophy on Consumerism and the...

The best solution to the mortgage crisis America is facing today is both easy . . . and difficult to execute. The solution is two-pronged: change the American philosophy on consumerism and debt while also making concrete changes in the way the lending industry works. Both demand taking a long-term view in order to be successful. A New Philosophy Changing one’s philosophy is easy, but putting it into practice on a daily basis is not. One needs to employ will-power, diligence and the ability to think long-term, all virtues that fell by the wayside long ago in America. Anymore, Americans get what they want, when they want it from a seemingly infinite list of choices and it is all purchased with credit. Americans pay for their immediate†¦show more content†¦As with any business, the savviest professionals are those who are truly educated in their field, and in the case of sales, their products. Not only did banks offer exotic loans that were generally not sagacious for most Americans, but individual salespeople didn’t necessarily understand their products (let alone buyers) which made for a risky combination that led to the current crisis. People signed on the dotted line without understanding what they were committing to, and those employed to guide them through the process were no more versed in the products themselves. Enforcing more stringent certification requirements for individual loan officers would help salespeople to better understand their products, making them more capable of guiding clients into the best fit loans. Finally, in addition to increasing the level of training required for loan officers, it would be beneficial for borrowers to demonstrate a certain level of understanding of what they are committing to. The costs of owning a home are more complicated than a mortgage alone; with the purchase of a mortgage comes the commitment to pay taxes, home owner’s association fees and other hidden costs, not to mention the fact that a person with a mortgage can get a home equity line of credit. Education programs that could be offered through lenders would beShow MoreRelatedThe American Foreclosure Crisis Essay examples2296 Words   |  10 PagesForeclosure is a dreadful aspect of home-owning. The American foreclosure crisis, and its subsequent economic rece ssion, was caused by lateral misguidance on part of private banks, the federal government, and by the millions of people who purchased their homes on credit. Over 900,000 foreclosures have occurred in California alone, making its foreclosure rate the largest and most formidable; as a result of the housing downturn, private banks like JP Morgan and Wells Fargo succumbed to bankruptcy,Read MoreUrban Gentrification and Urban Morphology2527 Words   |  11 Pagesprocess of change. Beauregard, (1981, cited in Smith and Williams, 1986, p.52) points out that â€Å"landlords, developers and real-estate agents, both large and small, play an important role in ‘steering’ the potential gentry to a neighbourhood, buying property and speculating, and preparation for sale or for complete rehabilitation.† It can also be argued that drawing on economic analysis in connection with economic concepts of gentrification (e.g. housing price increment, interest rates, lending willingnessRead MoreImpact of Consumer Protection Agencie in Nigeria15948 Words   |  64 Pagesobsolescence and arbitrary price increases. The Nigerian business environment is filled with so many corrupt and care free capitalists who care only about profit maximization and pay very little attention to customer satisfaction. Nearly every sector and industry tries to rip its customer of its hard earned money. This research will attempt to solve this by answering these questions: What is the way forward? Are there consumer protection agencies in Nigeria? Are consumer protection agencies in Nigeria workingRead MoreImpact of Emerging Markets on Marketing15122 Words   |  61 Pagesgrowth of emerging markets offers great opportunities to develop or discover new perspectives and practices in marketing, which may become valuable for the neglected and economically nonviable markets in advanced markets. This will require a mind-set change in the way we perceive emerging markets. This article is divided into four parts. In the first part, I describe why and how growth of emerging markets is Jagdish N. Sheth is Charles H. Kellstadt Professor of Marketing, Goizueta Business School, EmoryRead MoreComment on How Changes in Macro and Market Environment Forces Impact on the Level of Competition in an Industry.18606 Words   |  75 Pagesconsumer behaviour Understanding organizational buying behaviour Understanding marketing ethics and corporate social responsibility Marketing research and information systems Market segmentation and positioning 72 108 145 180 216 259 CHAPTER â€Å" Change is the only constant. 3 1 2 3 4 5 A. TOFFLER † The marketing environment LEARNING OBJECTIVES After reading this chapter, you should be able to: describe the nature of the marketing environment explain the distinction between the microenvironmentRead MoreBtec Level 3 in Business, Unit 1 the Business Environment18355 Words   |  74 Pageson their own and have more control over their management Government agencies include the national policing improvement agency who works under the Home Office. Government agencies are often shut down because they are not viable or when there is a change in government or policy. Government agencies are usually set up to be a permanent agency or semi-permanent Charities A charity is a business that is set up to raise money for a cause and not for profit. Charities create a surplus, instead of profitRead MoreMarketing Management130471 Words   |  522 Pagess Of Marketing) 3.5. Corporate Social Responsibility (CSR) and Ethics in Marketing 4. Have you understood type questions 5. Summary 6. Exercises 7. References 1. INTRODUCTION: The apex body in United States of America for the Marketing functions, American Marketing Association (AMA) defines marketing as â€Å"Marketing consists of those activities involved in the flow of goods and services from the point of production to the point of consumption. The AMA has since amended its definition to read as: â€Å"MarketingRead MoreManagement Control Systems Pdf115000 Words   |  460 PagesSuccess Variables and the Control Paradigm: Dynamics of the Control Process, Identifying Key Variables – Comprehensive Performance Indicators: Limitations of Indicators – Key Variables in Selected Industries: Insurance Industry, Hotel Industry, Sugar Industry, Management Training Institu te, Power Industry Fo PART II: MANAGEMENT CONTROL ENVIRONMENT Chapter 5: Organizing for Adaptive Control: Strategy, Structure and Control – Decentralization Vs Centralization – Response of Structure to Strategy:

Pakistan Essay - 861 Words

Pakistan: Foreign Policy Pakistan, a land of many splendors and opportunities, a repository of a unique blend of history and culture for both the East and West has been the cradle of one of the oldest civilizations. The Indus valley, is the ninth most populous Area in the world, with 134 million tough, conscientious, hard working people wishing and striving hard to enter into the 21st century as equal partners in the community of the different developed nations. During the last 20 years Pakistans economy has been one of the fastest growing in the world-the seventh fastest in Asia (www.forisb.org/fpolicy). Pakistans economy has been becoming large on a worldwide scale, with the annual gross domestic product growing at more than six†¦show more content†¦Pakistan now has a highly developed financial sector consisting of local as well as foreign commercial banks, investment banks, leasing companies, mutual funds and varies other fund companies. Besides providing working capital and long-term financing to the investors, these banks offer a number of facilities such as remittance of profits/dividends and maintenance of foreign currency accounts (www.mofa.com). Now because of this, various cities in Pakistan have developed stock exchanges with major corporations in the U.S. Security in Pakistan has been a major issue since the origins of the country and its controversial creation. The overriding objective of Pakistans foreign policy is the safe guarding of its sovereignty, security and territorial integrity. This is underpinned by its firm adherence to immutable principles of interstate relations. The violence accompanying the partition leading to the emergence of the two independent states of Pakistan and India generated hostility, which continues to afflict relations between the two countries, mainly because of the unresolved issue of Jammu and Kashmir. The issue is the source of continuing tensions and conflict, and shaped the unstable and tense security environment in the region. The historicalShow MoreRelatedThe, Pakistan, And Pakistan Essay1993 Words   |  8 Pages Manzoor et al (2013) reported that Pir Lisura N. Park, AJK, Pakistan area has 159 species of vascular plants, belonging to 83 different families which includes 48 species of trees, 38 shrubs, 61 herbs, 7 grasses, 1 epiphyte and 4 ferns. Among trees 2 species of gymnosperms which are widely distributed on all mountain slopes and most frequently exploited for timber. Other 46 tree species are angiosperms which occur in selected patches of favourable habitat, mostly associated with human settlementsRead MorePakistan And The Climate Of Pakistan1369 Words   |  6 PagesPakistan is located in the temperate area on the planet. The climate of Pakistan is generally divided by two main seasons of cold winter and hot summer. Pakistan has a huge variation among extremes of the temperature. A little rainfall also takes place in Pakistan’s different parts of the country. Pakistan has four seasons; winter, summer, spring and autumn. The winter season or cool winter starts from December an d ends in February, the dry spring starts from march through may, the summer or rainyRead MoreWhy Pakistan Matters? Pakistan Essay2029 Words   |  9 PagesWhy Pakistan Matters? Pakistan matters because this country is the corridor between the Eastern Asia and the Middle East. It is one of the seven declared nuclear weapon states with one of the largest armies in the world. Pakistan is important because it has been part of five declared wars in the past sixty years with its neighboring country, India. The country is also at war with few of the most dangerous terrorist groups in the world like Al-Qaeda, Taliban, etc. It is one of the main allies of theRead MoreCulture of Pakistan1603 Words   |  7 PagesCULTURE Pakistan is the country full of natural and cultural wealth. Pakistan has its own unique and specific cultural identification. Culture and heritage of Pakistan reflects the extra ordinary skill and devotion of Pakistani people. Pakistani people are playing a vital role in the presentation, development and promotion of Pakistani culture. The Pakistani culture is dominated by Islamic tradition and heritage. Islamic heritage has great impact on Pakistani culture. In ancient times, Pakistan wasRead Morewomen in pakistan750 Words   |  3 Pagesï » ¿WOMEN IN PAKISTAN Outline 1. introduction Paragraph 1 Paragraph 2 with thesis statement leading to the conclusion. 2. Hurdles in the way of women empowerment in Pakistan a. Unlawful customs b. Feudalism c. Crimes against women d. Domestic violence e. Outdated and perennial culture f. Forced and early marriages g. Misinterpretation of religion h. Lack of policies implementation i. Hurdles in getting into politics j. Insecurity at work place k. Denied basic education l. Poverty mRead More Pakistan Essay1473 Words   |  6 PagesPakistan Located in South Asia, Pakistan lies proudly, with many different land forms. It has a strong culture and holds the first woman head of government in the Muslim community. Many traditions, cultures, resources and strong religious beliefs are present in Pakistan. Pakistan is a fairly new country, but offers a beautiful country-side and a much needed increasing economy. Pakistan is located in South Asia bordered by India China, Afghanistan, Iran, and the Arabian Sea. The area of PakistanRead MoreAdventure in Pakistan1171 Words   |  5 PagesIt was 28th November 2011 when my parents, younger brother and I left for Pakistan for a short holiday. My younger sister couldn’t come because of her exams but I was sure that there were other reasons. At the time everything seemed fishy to me. I questioned why my dad suddenly decided to go when he had so much on. Recently he had lost his job and was struggling with money. My parents were really struggling and constantly stressed with emotional and financial issues. It pained me to see them goRead MorePoverty in Pakistan5457 Words   |  22 PagesPoverty in Pakistan Abstract: Poverty is Pakistan’s biggest problem which today’s Pakistan facing, it is interconnected with several elements which are having direct or indirect relationship with poverty. This paper is an effort to find out and discuss the elements related to poverty and it is a contribution from author to do something for his country and same time for the rest of world. Poverty in Pakistan does not affect people of Pakistan only but it has an effect on rest of world as well. TodayRead MoreSectarianism in Pakistan5487 Words   |  22 PagesSectarianism in Pakistan INTRODUCTION The decade of the 1990s witnessed a frightening upsurge in the Shia-Sunni sectarian violence in Pakistan, both in terms of scope and intensity. Recently, sectarian strife has engulfed even those areas, which were previously unaffected, largely because of the emergence of organized terrorist groups along sectarian lines. Besides target killings, these groups hit even ordinary members of each other’s sects. The problem, therefore, is no more of an occasional natureRead MoreHistory of Pakistan18783 Words   |  76 PagesMy History Notes Harris Masood Don’t Dare Touch! O Levelz O2 LECTURE 1- IDEOLOGY OF PAKISTAN. LECTURE 2- IDEOLOGY OF PAKISTAN IN THE LIGHT OF STATEMENTS OF QUAID-I-AZAM AND ALLAMA IQBAL LECTURE 3- THE ALIGARH MOVEMENT LECTURE 4- SIR SYED AHMAD KHAN AND HIS CONTRIBUTIONS . LECTURE 5- MAJOR POLITICAL DEVELOPMENTS 1857-1918 LECTURE 6- THE KHILAFAT MOVEMENT LECTURE 7- MUSLIM POLITICS IN BRITISH INDIA: 1924-1935 LECTURE 8- ALLAMA IQBAL’S PRESIDENTIAL

A Relation of Difference The Politics of Black “Signification” Free Essays

Louis Gates, Jr’s examination of the â€Å"the tropes of tropes† in Afro-American literature is a pioneering account of the vicissitudes of a movement of difference. As a critical response to The Signifying Monkey, the essay would seek to reveal the idiosyncrasies of Gates’ literary criticism with relations to the idiosyncrasies of black literary tradition of difference. The Discreteness of Black Difference The second chapter of Louis Gates, Jr. We will write a custom essay sample on A Relation of Difference: The Politics of Black â€Å"Signification† or any similar topic only for you Order Now ’s famous book The Signifying Monkey has a wonderful analysis of the rhetoric system and Afro-American signification traditions. The black concept of signifying, quite differently from the standard English, is inherently difficult to comprehend as it (re)doubles itself at every attempt of closer examination. Gates (1988) forcefully argues that parallel to the â€Å"classic confrontation between Afro-American culture and American culture, there is a political and metaphysical, â€Å"relationship that black â€Å"Signification† bears to the English â€Å"signification† is, paradoxically, a relation of difference inscribed within a relation of identity† (p.45). It is important to note the organic relations black literary traditions have with the identity of blacks, which are again (re)constructed through these traditions themselves. The discreteness of Black difference emerges from its status of being parallel to the white American literary universe. Intertextuality is also a discrete feature of the Afro-American literature as â€Å"each poem refers to other poems of the same genre† (Gates, 1988, p.60). Here, the repetition and revision of structural elements are something common and shared. It must bee seen as a narrative technique for emphasizing the common signifier which is a de facto priority for the community. Therefore, Gates asserts that â€Å"value, in this art of poeisis, lies in foregrounding rather than in the invention of a novel signified† (p.61). Needless to say, the common signified in black literature as a shared meaning is diametrically opposite to the white American idea of new signified as authentic. Moreover, it is possible to argue that the Black English itself is a different language and the blacks do not speak the same language of the whites. For Gates, the language of blackness encodes and names its sense of independence through a rhetorical process that we might think of as the Signfyin(g) black difference. For Blacks, language and its discreetness is a question of (re)inventing themselves as creative, as opposed to the white imposed idea of being imitative. In addition, for blacks, a new language with their own jargons is a tool for ultimately defining themselves.   The black life is more about the living poetry in the streets than the taught poetry in the class rooms.   The question of black Signifying is a question of another way of life that is not centered on the literary paradigms of white male Europeans. The assertion of the politics black difference by Gates is not an attempt at molding a difference for a new zone of engagement. But, it is the simple assertion of what really exist as the difference of both living and creating since slavery as â€Å"black people have been Signifyin(g), without explicitly calling it that† (Gate, 1988, p.67). As it is in the white language, black Signification is not merely a form of indirect signification; on the contrary, it is a way of identifying with one’s true identity. Most importantly, Black Signification is a complex rhetorical device that is heterogeneous and multiple. Conclusion The Signification in black literature is closely related to the discreteness of their way of life. The Black Signifyin(g) is closely linked to the identity and collective belongingness of the blacks. The Significations stands not with its meaning, but with its utterance itself. Reference Gates, H. L, Jr. (1988). The Signifying Monkey: a Theory of Afro-American Literary Criticism. Oxford: Oxford University Press. pp. 44-89 How to cite A Relation of Difference: The Politics of Black â€Å"Signification†, Papers

Critical Thinking and Law Enforcement Officers free essay sample

Write an 800-word paper in which you analyze the relationship between ethics and professional behavior in the administration of criminal justice. Explain the role of critical thinking with regard to the relationship of ethics and professional behavior. Include in your paper a proposal for a seminar in ethics training for law enforcement officers. In your proposal choose five areas of ethical conduct that will be stressed in the seminar. We will write a custom essay sample on Critical Thinking and Law Enforcement Officers or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Explain why you chose those areas and what the expected benefits of the training will be for both officers and the community. Write an 800-word paper in which you analyze the relationship between ethics and professional behavior in the administration of criminal justice. Explain the role of critical thinking with regard to the relationship of ethics and professional behavior. Include in your paper a proposal for a seminar in ethics training for law enforcement officers. In your proposal choose five areas of ethical conduct that will be stressed in the seminar. Explain why you chose those areas and what the expected benefits of the training will be for both officers and the community. Format your paper consistent with APA guidelines. Format your paper consistent with APA guidelines. Write an 800-word paper in which you analyze the relationship between ethics and professional behavior in the administration of criminal justice. Explain the role of critical thinking with regard to the relationship of ethics and professional behavior. Include in your paper a proposal for a seminar in ethics training for law enforcement officers. In your proposal choose five areas of ethical conduct that will be stressed in the seminar. Explain why you chose those areas and what the expected benefits of the training will be for both officers and the community. Format your paper consistent with APA guidelines. Write an 800-word paper in