How to Solve the Foreclosure Crisis - 1218 Words

How to Solve the Foreclosure Crisis The foreclosure crisis in our country has implemented a domino effect that may take years before we note any positive changes. As the country begins to heal, an effective process and/or program must be implemented that will reduce or eliminate foreclosures. It is important to remember that purchasing and maintaining a home is a part of the â€Å"American Dream,† and when working class families cannot seem to manage without loss of pride and dignity, then the dream begins to fade. The hopelessness and lack of self worth takes a giant step forward and brings with it anger and frustration which only damages families. In researching for an innovative idea or solution to solve the foreclosure crisis, I†¦show more content†¦At anytime during the process it is determined by the housing counselor that the homeowner does not meet qualifications for the program, the homeowner must be granted an interview within 30 days by the housing authority outlining in detail exactly what the problem was. Within 30 days after the interview the homeowner may submit another application to the housing department for processing. The homeowner must sign a new mortgage agreement that will outline all the parameters relating to maintaining the mortgage with the department of HUD. The term of the initial contract is 24 months. At anytime during the contract period, if the owner’s financial status changes, HUD must be notified immediately. Every 24 months, HUD will re-assess the homeowner’s financial status and determine if the contract is to be renewed or dismissed from the program. If the contract is reinstated it is imperative to note that this can only be done three times, which equates to a total of 72 months. If however, it is determined that the homeowner can be removed from the program, HUD will provide a lender that will ensure that your mortgage rate and payments are affordable based on Federal Housing Administration program. Once exited from the program, if the homeowner experiences additional financial crisis, they may be allowed to re-enter the program up to a maximum of three times as long as they have not been in the program more than 72Show MoreRelatedHow to Solve the Foreclosure Crisis1146 Words   |  5 PagesHow to Solve the Foreclosure Crisis An important step in solving the foreclosure crisis is to provide assistance to mortgagees in making the monthly loan payments; this assistance should be in place before the first loan payment is due. One solution in providing assistance, which would not require any additional governmental funds to be spent, would be a mandatory mortgage equity accelerator program for every new loan written. A mortgage equity enhancement program allows a thirty year mortgageRead MoreHow To Solve The Foreclosure Crisis1443 Words   |  6 PagesHOW TO SOLVE THE FORECL0SURE CRISIS 2009 was a record breaking year for foreclosures in the United States. The perfect storm of high unemployment, 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 governmentRead MoreHOW TO SOLVE THE FORECLOSURE CRISIS1793 Words   |  8 PagesHOW TO SOLVE THE FORECLOSURE CRISIS What do we think when we hear the word â€Å"foreclosure†? Most people realize that it’s definitely something that is not good, some say that it’s when someone fails to do something, but those people don’t really know the meaning of it. But before I present my idea let’s review the meaning of such process: From the website of InvestorWords.com foreclosure Definition The legal process by which an owners right to a property is terminated, usually dueRead MoreHow to Solve the Foreclosure Crisis2207 Words   |  9 PagesThe foreclosure crisis has become as confounding as the old, neglected house on the corner of your street. With shattered windows and wild lawn, no one knows what to do with it, how to save it or even get rid of it. Public and private institutions have tried this and that to patch the ongoing economic blight: lowered interest rates, credit counseling, foreclosure workshops, short sales and bailouts. Nevertheless, the number of foreclosures has relentlessly continued its climb. This ascent hasRead MoreHow to Solve the Foreclosure Crisis977 Words   |  4 PagesThe economic crisis that has occurred in the recent years and that has consistently worsened over past year or so has led to many other problems, one of which is the foreclosure crisis. More and more people are losing their homes due to job loss or simply poor financial choices. The number of unemployed and homeless is increasing at an alarming rate. Many feel like there is nothing that can be done to remedy the situation, especially when the enormous debt that the United States has already accumulatedRead MoreHow to Solve the Foreclosure Crisis Essay1297 Words   |  6 PagesHow to Solve the Foreclosure Crisis Imagine a young couple was married and bought a house together. They were happy they made an investment together that they would never regret. A few years later, the company the husband worked for suffered critically by the recession and he was one of the hundreds of people who got their job cut. They now have two babies to feed and have to choose between food and the mortgage. They soon began to miss their monthly payments. They waited until things becameRead MoreHow to Solve the Foreclosure Crisis Essay2252 Words   |  10 Pagesdollars funded by investments and home purchases were lost within a few months (Wikipedia.org: United States housing bubble). Millions of home owners were found to be unable to pay their mortgages, leading to hundreds of thousands of foreclosures. These foreclosures not only led to the decrease in value of the foreclosed homes, but also decreased the value of the homes in the neighborhoods, complexes and cul-de-sacs around them (zillow.com). The billion d ollar industry created by the fruitful housingRead MoreHow to Solve the Foreclosure Crisis Essay1250 Words   |  5 Pagesâ€Å"How to Solve the Foreclosure Crisis?† â€Å"How to solve the foreclosure crisis?† This is a very troubling question currently facing our country today. The foreclosure crisis fueled by subprime mortgages, was a ticking time bomb waiting to explode. Many Americans hold large mortgages with adjustable rates that continue to increase. It was only a matter of time before the market would come tumbling down. From 2008 until now the national unemployment rate has risen from 5-6% to about 10.2% (U.S. BureauRead MoreHow to Solve the Foreclosure Crisis Essay1086 Words   |  5 PagesThe solution to the Foreclosure Crisis is the implementation of continual, mandatory education classes that must be attended and passed, or penalties will be applied to the homeowners. A little tough love from the lender and the government is necessary. Just as our parents follow through and continue to teach us throughout our lives, so must the lenders and the government take the time to â€Å"sit† every homeowner down to make them l earn and realize that being a homeowner comes with big responsibilitiesRead MoreHow to Solve The Foreclosure Crisis Essay1273 Words   |  6 Pageshaving to deal with a major foreclosure crisis. According to studies by the Mortgage Bankers Association, one out of every 200 homes will eventually be foreclosed, and 250,000 families enter into foreclosure every three months. Although the worst times are still in our future, with help from the United States government, we as citizens will eventually overcome the horrendous situation of America’s current real estate market. To combat our nation’s foreclosure crisis, I believe it is necessary to

Sublime In Frankenstein Essay - 1497 Words

Most Gothic novels aim to show the sinister side of human nature. They depict the dark terrors which lie beneath the reader s mentality. The term Gothic suggests a genre which deals with frightening and mysterious settings by giving connotations of ghostly castles and supernatural events. The Sublime experience as stated by the critic Longinus is, à ¢Ã¢â€š ¬Ã‚ ¦a matter of treatment. The particular form of the sublime experience that requires prepossessing objects is not only the form; it is simply the form in which enthusiasm preponderates over irony [1] . The Castle of Otranto is the first Gothic novel written by Horace Walpole in which the idea of the Sublime is presented through its physical, transcending and overpowering imagery. This†¦show more content†¦Edmund Burke a theorist stated in his works that, à ¢Ã¢â€š ¬Ã‚ ¦Whatever is fitted in any sort to excite the ideas of pain and danger; that is to say, whatever is in any sort terrible, or is conversant about terrible objects or operates in a manner analogous to terror, is a source of the sublime [2] . The critic attempts to assemble an authoritative definition of the sublime here. Furthermore Gothic castles were built as symbols of systematic power; they were definite assertions of ambition that rested on the owner s control of others. A sense of empowerment is suggested through this idea therefore indicating to the Sublime having a dominant role in the Gothic genre. Intended to convey a disputing power, Walpole implies images of force, hierarchy, stability and command in the novel. The Castle Of Otranto, attempts to capture a sense of realism through its illustration of settings and characters. Burke commented that: whatever is fitted to produce such a tension must be productive of a passion similar to terror; and consequently must be a source of the sublime, though it should have no idea of danger connected with it [3] . Consequently the Sublime is shown to be produced by a passion which is closely related to terror, this is evident through the tension created by the settings and characters; a sense of terror is illustrated. The novel was an original Gothic behind the overthrow of the Roman Empire, therefore Gothic at the time applied toShow MoreRelatedAnalysis Of Mary Shelley s Frankenstein 1527 Words   |  7 Pagesoutcast of society. To emphasise this, the sublime settings in the text, provide a space where the marginalised can be heard, however, for in contrast to the power of beauty which works to contain and maintain social distinctions, the sublime in Frankenstein opens the way for the excluded to challenge the dominant discourse and this appears to be one of many things the creature substantially appears to represent.1 There is a critique of beauty in Frankenstein on anaesthetic grounds as well as what isRead MoreFrankenstein, by Mary Shelley1078 Words   |  5 PagesMary Shelley’s Frankenstein has undoubtedly withstood the test of time. Frankenstein’s direct association with fundamental Gothic literature is extremely renowned. However, the novel’s originality is derived from the foundational thematic values found within the relationship (or lack there of) between Victor Frankenstein and the monster he had created, in combination with a fascinatingly captivating plot. Understandably, Frankenstein can often be associated with a multitude of concepts; however,Read MoreThe Theme of Nature in Frankenstein Essay2231 Words   |  9 PagesIn 1818 Frankenstein was written by Mary Shelley. In Frankenstein, Victor Frankenstein brings a creature to life. The creature kills William, Henry Clerval, and Elizabeth. Victor had promised to make a female creature for the creature, but he did n ot fulfill his promise. This makes the creature enraged. The creature runs away and Victor follows him. Victor gets on a boat with Walton. Victor dies and the creature comes and is very sad that his creator has died. The creature says that he must end hisRead MoreCritical Analysis of Romanticism1387 Words   |  6 Pagesnature and Romantic sublime. The paper will be organised and divided into two sections . The first section will outline a range of scholarly definitions of Romantic sublime and its main purpose of use in Romanticism. The second section will critically analyse theoretical approaches and debates on Romantic nature. The literature review will also compare and contrast different methodologies used by the critics when discussing the major concerns of Nature and the Sublime. When appropriateRead MoreDogma Essay1688 Words   |  7 PagesOne peril from bringing a wide-ranging scope into this argument, is the need to then reassert how this would assert itsel f, with comparisons from which we’ve analyzed, and understood the sublime better. The â€Å"where† and â€Å"when† would at least improve, by habits exhibited today. Reserving it and â€Å"beauty† as synonymous terms might have once been serviceable, but after what Burke and Shaw went about to put in place, this acceptance of the darker, more drastic sides of our world is almost, itself, compelledRead MoreCritical Analysis of Mary Shelleys Frankenstein974 Words   |  4 PagesThe essay discussed in this document is Said I. Abdelwaheds The Gothic, Frankenstein and the Romanics, which was published in 1997 in An-Najaj N. J. Res. The author is the assistant professor of English literature at Gazas Al-Azhar University. These credentials are fairly impressive considering the international reputation of the university the author was working at during the time of publication. Additionally, the authors status as an assistant professor helps to imbue this work wi th a degreeRead MoreIn What Ways Does Frankenstein Complicate the Romanticist Conceptions of Creativity and Individualism? Make Reference to Frankenstein and at Least One Other Romanticist Text.1884 Words   |  8 PagesIn what ways does Frankenstein complicate the Romanticist conceptions of creativity and individualism? Make reference to Frankenstein and at least one other Romanticist text. Mary Shelley’s novel, Frankenstein, complies with all the fundamental principles associated with Romanticism; use of the supernatural and sublime, especially with regards for nature, thus leading to pantheism, compassion and a sense of morality towards humankind, individual freedom and rebellion against contextual societalRead MoreRepresentation of Death through Texts1149 Words   |  5 Pagesfiction. The proposed dissertation shall address some of the different definitions of death through a close examination of three gothic texts taken from the 19th century. The three primary texts this dissertation shall focus on are Mary Shelley’s ‘Frankenstein’, James Malcolm Rymer’s ‘Varney the Vampire: The Feast of Blood’ and Edgar Allen Poe’s ‘The Masque of the Red Death’. Each text represents a different type of text allowing the dissertation to explore these definitions, there common ideas and howRead MoreAnalysis Of Mary Shelley s Frankenstein 1361 Words   |  6 PagesFrankenstein outline I. Introduction: A. BGS (title, author of text): Mary Shelley’s â€Å"Frankenstein† exquisitely portrays the story of a deeply troubled existence known as Victor Frankenstein. B. Background about text (names, plot points, ideas that are essential to following essay): Throughout the course of this gothic novel, readers are transported into the world of a brilliant but unfortunate scientist named Victor —who passionately undertakes the gruesome task of creating life. HoweverRead More The Author as Creator in Frankenstein Essay2907 Words   |  12 PagesThe Author as Creator in Frankenstein      Ã‚  Ã‚  Ã‚  Ã‚   Mary Shelleys Frankenstein can be read as an allegory for the creative act of authorship. Victor Frankenstein, the modern Prometheus seeks to attain the knowledge of the Gods, to enter the sphere of the creator rather than the created. Like the Author, too, he apes the ultimate creative act; he transgresses in trying to move into the feminine arena of childbirth.    Myths of divine creation are themselves part of the historical process

House of Balloons by The Weeknd free essay sample

The Weeknd is an incredible and unique artist. The album that stands out the most to me is â€Å"House of Balloons.† The Weeknd produces electronic an urban genres including RB and soul with dub step tones. In this album, he uses samples from old songs. The Weeknd is not what parents would want their kids to be listening to but, his songs always have a meaning to them despite what he actually says in the song. The Weeknd is the type of artist that doesn’t care what he says. He says what’s on his mind and what he feels. He shares his experiences on life with drugs with us in his songs. Anybody could share the same life experiences as well, it’s not just him. For example, he has a song called â€Å"Coming Down,† In his song, he wants to admit something to his girlfriend but he’s stuck on what he wants to say or how to begin. We will write a custom essay sample on House of Balloons by The Weeknd or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page He knows she won’t be happy with what he has to say but he wants to tell her anyway. In the song he says, â€Å"I guess that I could only say one thing, girl I been bad again†¦Ã¢â‚¬  He’s gone back to old addiction†¦drugs. He realizes he’s getting sucked into using again and he knows how she’s going to feel. He begins to lose focus on what really matters and that’s her. He forgets how much she means to him. He says, â€Å"Cause with this money comes problems†¦Ã¢â‚¬  He admits that having money causes problems and his only solution is drugs. He can’t help but, use them to clear his mind. One piece of lyric that got to me in â€Å"Coming Down† was when he said â€Å"I always want you when I’m coming down.† It’s kind of obvious what he means by that if you knew actually how he was. But what he meant by that, was that every time that he comes down from his high he wants her. The fact that he is coming down makes him want her even more. When he’s high he regrets his feelings for her but that doesn’t necessarily mean that his feelings changed. The song overall makes you think about things that you can’t really get through on your own. His songs are the kind of songs that you go to when you need help with a situation that you can’t necessarily explain. He doesn’t encourage teenagers to use drugs, he just describes how drugs affect his relationships and explains his experiences that he has been through. In the previous albums that The Weeknd has released are very similar. In all his albums he talks about drugs, girls and parties. They are life experiences that any person could have gone through regardless of the age. You just have to look past the fact that he talks about drugs. But what artist doesn’t? In a way, people would call him an inappropriate artist but you can’t judge a book by its cover. You have to look between the lines. Look deeper into the lyrics and realize that there is more to what he is saying. In a confusing way, his songs are relevant to all teens in America. Teens use drugs every day at a young age. They could go through what he describes in his songs. Just by listening to a few songs teens could get a better understanding of what life with drugs is life. It’s not always bad and it’s not always good. Some people think in their heads that they need drugs to get past life. But fail to realize that it just makes life harder to survive and cope with. People may think they are erasing the pain but they’re not. Drugs are never an escape but, who would actually believe me. Overall, I recommend The Weeknd’s â€Å"House of Balloons† and all his other albums. Not because his a good artist but for the fact that his music speaks to you and gives you the advice that somebody you know cant. His music can either help you or soothe you. You won’t be disappointed with the music that he produces. Also, he has the voice of an angel.

Tom Sawyer Summary Essays - Literature, Fiction, Film,

Tom Sawyer: Summary Tom Sawyer is a boy who is full of adventures. In his world there is an adventure around every corner. Some of his adventures have lead him into some bad situations but with his good heart and bright mind he has gotten out of them. Tom lives with his aunt Polly, his cousin Mary and his bother Sid. One of the first things to happen in the book is a memorable one, the painting of the fence. Tom's aunt Polly made Tom paint her fence on a Saturday as a punishment. Tom just hated the idea of having to work on a Saturday while all of the neighborhood could make fun of and harass him. After Tom tried to trade some of his possessions for a few hours of freedom he had a stroke of genius, instead of him paying people to work for him, he made people pay him to paint. Tom managed this by telling people that it isn't every day that you get a chance to paint a fence and he thought it was fun. He had people begging him to paint by the time that he was finished his story. He would have taken every boy in the town's wealth if he had not run out of paint. On June 17th about the hour of midnight, Tom and his best friend Huck were out in the grave yard trying to get rid of warts, when they witnessed a murder by Injun Joe. At the time Muff Potter was drunk and asleep so Injun Joe blamed the murder him (Muff Potter). They knew if crazy Injun Joe found out they knew, he would for sure kill them. Tom wrote on a wooden board "Huck Finn and Tom Sawyer swear to keep mum about this and they wish they may drop down dead in their tracks if they ever tell and rot", then in their own blood they signed their initials TS and HF. A few days after that incident Tom, Huck and Joe decided to go and become pirates because no one cared for their company anymore. They stole some food and supplies and then they stole a raft and paddled to an island in the middle of the Mississippi River. They stayed and pirated for several days, then they all became so home sick that they could not bear it anymore. The next day Tom, Huck, and Joe showed up for their own funerals and there was much thanks and praise. The next big event in the town was the trial of Muff Potter for the murder in the graveyard. The whole town believed Injun Joe, and poor Muff was sent to a temporary jail cell for a week. At the end of the week he was to be hung unless some one in court had proved him innocent. While Muff was in jail temporarily he was not alone. Every day Tom and Huck would go and talk to him through the jail cell bars and on occasion bring him food. On the last day of court, to everyone's surprise they called Tom Sawyer to the stand. Then the man asked him where he was on the 17th of June he said "In the graveyard". Then when he asked who he saw do it he said with all his courage he said "Muff didn't do it. It was Injun Joe!" and with that Injun Joe jumped out the window and ran away. Tom and Huck decided that they wanted to become rich so they went to go and find buried treasure. Tom and Huck dug under trees all day and night but found nothing, then Tom said that they should go and dig for treasure in a haunted house. They went back two days later and went to a haunted house. Both the boys were scared but they both went inside anyway. The boys dared each other to go upstairs, so of course they went up and looked in closets for treasure but found nothing. Suddenly the boys heard two men talking and then come inside. Both of the boys got down on the floor and then they heard the voice again, it was Injun Joe. Injun Joe and the other man had a bag of money and decided to bury it there. Tom and Huck could hardly contain themselves because they would steal it as soon as Injun Joe left. Injun Joe was digging a hole with his knife when he hit something, it was a box of money. Injun Joe decided to take