...My Home Finance 1) Introduction My Home Finance Limited is a Community Development Finance Institution (CDFI) established by the National Housing Federation, supported by Housing Associations (HAs) to tackle the problem of financial exclusion. It was launched in August 2010 to offer small sum credit, bank accounts and savings accounts to housing association tenants and others who can otherwise only access loans at a very high cost from sources such as payday lenders, doorstep lenders and loan sharks. This first phase of the business was funded by the Department for Work and Pensions (DWP) housing associations and Wates Family Enterprise Trust. In addition a credit line was secured from the Royal Bank of Scotland. MHF is seeking further finance to consolidate grow its West Midlands operations and expand into other regions of England. 2) Features (Business model) The Federation wanted to establish whether housing associations could lead a major expansion in the provision of more affordable credit. As well as enabling many more people to be helped than are currently assisted by third sector lenders, the emphasis was to explore models of delivery that would be less reliant on large ongoing levels of public subsidy. MyHome Finance (MHF) can help fill the void for many (though by no means all) financially excluded customers by offering credit at a more affordable interest rate that is suitably priced for risk of default. It is envisaged that MHF will be a partnership...
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...putting your life in order as well. I grew up with an older sister and a younger brother. Our parents were constantly gone. Busy working or out with friends. That left my siblings and I alone a lot. We taught ourselves to take care of each other. Mentally, physically and emotionally we were all each other had. That made the relationship we had with each other stronger than it could ever be. A promise was made between the three of us that we would always be there for one another. We would always help each other no matter what the circumstances were, and we would always protect each other. On January 7, 2009 my world changed forever. My brother was in a severe single vehicle accident that killed him. Alcohol and speed were both factors in the accident. Neither my brother nor his passenger was wearing their seat belts. Both were ejected from the vehicle. My brother lived long enough for me and my sister to get to the hospital and say our final goodbyes. His passenger lived, but sustained a broken neck that has healed. My brother left behind a one year old daughter and a daughter on the way. He had life insurance but did not have a beneficiary named on his policy. This was the beginning of a nightmare that at times still haunts me today. My family and I struggled with my brothers finances with his funeral and his medical. Since there was no beneficiary named on his policies, all of his insurance went to his living daughter. To be put in a trust that she will...
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...Kourtney Blickensdorfer Psy-100 June 28, 2015 Amanda Laster-Loftus Psychology for Life In life stress is everywhere, and we face it every day. Stress is handled at work wither it is a co-worker or customer, and we have to handle it appropriately to ensure our stress levels stay neutral. Stress is also encountered at home because of finances, relationships, and family. Most people do not handle stress well, but I think it is important to understand where your stress comes from, so that you can handle it accordingly. When I took my stress test I knew that I would not be happy with my score, so I was not surprised at all. I am a very high strung individual, and I am always in a hurry. I also take things to heart, so at previous jobs when people got upset with me or the company it upset me also. My stress assessment showed me that I am on the verge of major stress problems. It let me know that I need to slow down, and probably could use some quiet time for myself. I could also channel my stress into something productive. Stress impacts our bodies in different ways when we handle stressful situations like work, or good situations like winning an award. Stress effects the body by triggering the fight or flight response which in normal doses can improve performance. (Kotz 2008) When the body becomes stressed the hypothalamus tells the adrenal glands to release adrenaline or cortisol. Once the stress goes away the body releases hormones that tells it to go back to normal...
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...Kimberly Tucker, Chris Salt, Ashley Solomon Case 7: Mattel: Overcoming Marketing and Manufacturing Challenges 11/01/2010 Marketing Management 6800 Section 004 The Problem: The problem surrounding Mattel Inc., one of the world’s largest toy companies, is their mismanagement of international subcontractors and vendors and the production of certain toys (the manufacturing process), as well as their inability to adapt their marketing strategy or product to the constantly changing “demographic and socioeconomic trends” (Ferrell, et. all 466). This is supported by Mattel’s legal battle with Carter Bryant and MGA, their forced recall of certain toys that were manufactured overseas, and the increasing rate at which traditional toys are becoming less appealing to today’s young audience. Essentially, Mattel’s mismanagement and oversight lead to violations in terms of ethical and social responsibilities and safety standards. Issues Relevant to the Problem: Mattel’s problem of mismanagement can be divided into several issues that need to be considered: legal issues, international supply chain issues, and an increase in technology-based toys. In regards to legal issues, Mattel has been involved in prolonged litigation with Carter Bryant and MGA over a breach of an employment contract and copyright infringement. Due to Mattel’s poor management of its overseas manufacturers, in which unauthorized subcontractors and third-party suppliers were hired and unsafe materials used, several...
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...person is focusing on something different, thinking of something different, and noticing something different. That is why every person has a story to tell, and it is why we can learn from every single person. And this essay is about my short autobiography, which can give you an indication of my personal story. I came into this world on the windy morning of October 15, 1990. I was born in Cua Viet, a small town in Vietnam. I am the 5th child among the 5 children of my parent. I grew up and spent almost my whole life in my country. Now, I am the second year student in Business Accounting- the 2 year program. I have been through many life-changing situations in past 3 years. These situations have had both positive and negative impacts to me. My goals from 5 years ago compare to my current goals are totally different. After finishing 12th grade, I just wanted to become a Mathematics teacher, so I went to Hue University and tried my best to achieve the goal. However, when I was the 2nd year student of the Hue University, I found that I was no longer interested in becoming a teacher. Hence, I dropped the school and wanted to get a better education in Canada and seek opportunities in accounting. Since then, my life has changed. On one hand, starting my new life in a strange country is so hard. When I just came, I faced many difficulties, such as the language, the weather and the life style. Firstly, language was a big matter when I first came. Speaking was one of the linguistic problems...
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...Freddy Rodriguez Prof. Chamberlain English 063 16 Oct, 2012 My Hate for Work We all deal with some sort of issue that makes our work experience negative. In my case its cooking at a restaurant where all you hear is kids screaming uncontrollably from the control point window in the grill, the fog coming from both the fryer and grill, and last, but not least the “pushing and shoving” from the grill team when we’re pulling off a thousand dollar hour. If you haven’t guessed yet, its Friendly’s “Where ice cream makes the meal”... and my hate for people. I’m just kidding, but I don’t like rude people; like if I’m nice to you why can’t you return the nice gesture? Anyways (back on track) its crazy how many sounds you hear, things you see and objects you feel within a five hour shift that actually feels like two because of working through a rush period. Children children children, I hate them. Hate is a strong word? Trust me I KNOW! I cannot fathom the loud screaming that sounds like metal to metal screeching; all because mommy won’t them get ice cream. The sad part is that I work in the grill and its sort of tucked away in the back. Imagining the intensity of the screaming? Quite horrible isn’t it? As if the loud grinding gears of their voices isn’t enough, I have the pleasure of watching them run around like its free game day at chuck e cheese or something. The only part I enjoy of them running around like maniacs is seeing the huge bright shiny smile on their faces, it makes...
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...Narrowing down to on person who had had an impact on my life is a difficult task, and one that requires a lot of thought. There have been many, but as I travel back through my memories, one person stands out above the rest, my mother. Whether in the classroom or at home, that one individual continuously shines. She knows how to help me when a problem arises, she is there to pick me up when I fall, and she is there as my biggest supporter when all is going well. She always seems to know when to push me or when to just step back and allow me to learn life lessons. One example of her driving me to do my best is a time that I had an extremely tough exam in Chemistry. This was a must pass test and to make it worse, it was over a chapter where I struggled. I came close to giving up and failing the test, but somehow my mom knew I was fighting this battle. She came to me and explained how giving up would interfere with my dream of going to college. It might not keep me out of college, but it would set my standards lower than they needed to be. My mom did not force me to study, but instead, she allowed me to make a decision that would effect me right then and possibly in the future. My mom has made a huge impact in my life in such a positive way. She has pushed me to where I am now. Through her example and our many talks, I have learned that hard work and perserverance can and will take you a long way in this world. I did pass that...
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...instructed otherwise.) Not only is a topic sentence the first sentence of a paragraph, but, more importantly, it is the most general sentence in a paragraph. What does "most general" mean? It means that there are not many details in the sentence, but that the sentence introduces an overall idea that you want to discuss later in the paragraph. For example, suppose that you want to write a paragraph about the natural landmarks of your hometown. The first part of your paragraph might look like this: My hometown is famous for several amazing natural features. First, it is noted for the Wheaton River, which is very wide and beautiful. Also, on the other side of the town is Wheaton Hill, which is unusual because it is very steep. (Notice how the first sentence begins with "My hometown..." a few spaces to the right of the paragraph edge. This is an indentation. All paragraphs in English MUST begin with an indentation.) Note how the first sentence, My hometown, Wheaton, is famous for several amazing geographical features,is the most general statement. This sentence is...
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...sleeping the whole day and I got so many thoughts playing on my mind so I choose to rise get the laptop and type. 1. Second to my final destination ( … Well this is not a horror film; this destination I’m talking about is the force or factor that makes me go and face every life’s circumstances I am facing. My ultimate dream is to become a flight attendant, cabin crew, flight crew or whatever they call this. Yes, I’ve been dreaming to become one someday and I am trying to give my very best for this not to become an unclear vision. I want this to manifest, I want this to happen in my life in every good ways or means I can. As I’ve said on my recent posts, I love to go somewhere, I love to experience different culture, and I want to meet new and different people. There are some times in my life when I face mirror, stand classically and gracefully and try to imitate flight attendants posture and speaking. I used to act like there are passengers and I am orienting them with safety procedures inside the plane. To train to become a flight attendant costs so much, that’s why my parents wasn’t able to send me to those schools practicing this course. But I’ve got this what they called life’s principle. I believe with all my heart that nothing is definitely impossible that my future has been planned and decided. I just love the thought that God is faithful, with His words, His promises and plans. I trust Him with this. This is my heart’s very secret petition to heaven and to Jesus. His...
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...For those of you that don't know me my name is Brittany. I work at The Willows at Citation where I took care of Julia. For the short 3 months and 11 days that I knew Julia. I've learned something that no book could possibly ever teach me. On our Journey together I was constantly being moved and touched in ways that I often cannot describe. To live with Alzheimer's and still laugh, love and find joy is nothing short of amazing. I never got that chance to meet Julia when she was full of life and energy. Instead God blessed me with Julia on May 6th of this year. God had also blessed me with the ability to really connect with Julia. I spent many nights by her bedside, I've spent many hours listening, I've shared many tears with her daughter's and I've experienced many lifelong connections. Julia taught me the importance of living in the moment and finding joy in the small things. No two minutes were alike. Things were constantly changing and it put us on the wildest roller coaster ride imaginable. I must say it took a while and I'm sure I'm speaking for a few others when I say this but I came to realize that in order to survive, you must live in the moment and appreciate each and every good thing that happens, no matter how small. Sometimes you really have to dig deep to find the good in a lousy situation. The interesting thing is that bar is constantly moving. That thing that may have seemed completely insignificant a few months ago, can suddenly become the joy that gets...
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...(http://www.chevening.org/) Samuel Duah Ghana Chevening Scholarships Personal details Title Ms Please write your name as it appears or will appear on your passport Lastname Duah Firstname Samuel Other names Boadu Date of birth 6 July 1989 Country of citizenship Ghana In the majority of cases, to receive a Chevening Award, you must attend a face to face interview at the British Embassy or High Commission in this country. Is your country of residence different from your country of citizenship? No Do you hold Dual Citizenship? No Contact details Primary email address psamdb@ymail.com Additional email address psamdb@gmail.com Phone number 1 233246184325 Phone number 2 233242143956 Skype ID Please write your current postal address below. You do not need to write your country. First line of address Advent Reformed Institute Second line of address Post Office Box 198 Third line of address Kade- E/R Fourth line of address Your education Undergraduate education The Chevening programme requires applicants to have achieved an undergraduate qualification that is equivalent to at least an upper second-class (2:1) honours degree in the UK at the time they submit their application. Please provide details of your undergraduate degree below. You will have the opportunity to inform us of additional qualifications at a later point. Country of study Ghana University/college Kwame Nkrumah University of Science and Technology Date from August 2008 Date to May 2012 Degree type BSc Degree subject...
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...Prologue I leaned over the toilet for the fourth time this morning spilling whatever was left in my stomach. I dry heaved for the next five minutes trying to rid whatever was giving me this ill feeling. Once I finished I wiped the sweat off my forehead and laid back against my cold tub. It felt good against my warm skin. I removed my sweat drenched shirt and just laid against the tile floor. I have never experience such pain and nausea in my life. I didn’t want to think about the many possibilities that could be wrong with me. "Ki you alright?" asked my eight year old brother behind my bathroom door. "Yes boo just go get me a bottle of water." I could hear him scurrying off down the stairs to the kitchen. I tried my best to stand up but I just felt too weak. All of a sudden my body grew very tired and I couldn’t get my body to move. I heard my door open and a scream. "Mom, Dad hurry!" yelled my brother Jasone. I didn’t understand why he was screaming until I followed his horrified eyes down to my floor and there was blood everywhere. I slowly reached up to touch my nose and I felt the blood all over my hands and I knew something was definitely wrong. My brother rushed over to me and held my head in his lap as he cried. I tried to reach up and touch him but it all hurt too much. "Lord please I’m not ready to die." I said to myself. "Mom!!" my brother cried out again. "Jasone what is you doing in your sister room and screaming on-" she couldn’t continue her sentence as she...
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...the outside. I had to make my mind up whether to knock or press the bell. I turned to face the garden. I thought about going back to my car and drove home. Home. That was where I wanted to be; or was it where I would be after I knocked the door? I sighed and walked to the side where there was a wooden bench by the beautiful garden. I could see that the woman in the family loved the garden. The smell of white lilies reminded me of the florist down the road on Sixteenth Street. I sat on the sturdy looking wooden bench, trying to figure out what I would say if someone was to open the door. I wished I did not find out where she was so that I would not have three sleepless nights thinking of why she left me, whether she was looking for me or whether I should be angry. I was abandoned at Bliss Home when I was barely four. They said they found me playing joyfully in the playground, innocently thinking that I was sent to school. After three years, I found out that my mother left me at the orphanage because she had to go and find my father who left us when I was two. I was devastated, knowing that my mother left me to strangers. Funny, I thought, how manipulative and contradictory adults could be when it comes to giving advice. Those at Bliss Home took good care of me and made me realise that I was still lucky to be able to enjoy life. Sister Lisa was one of those who managed to make me see that I should make the most of myself than being miserable, grieving my unfortunate life; thinking...
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...The soft beeps of my alarm clock bring me out of my slumber almost immediately, causing a slight jolt to erupt from my body as I sit up in bed. With my eyes half closed, my arm juts out and fumbles with the various objects on my end table until it finally hits that sweet spot on the small, yet loud, box keeping me from sleeping any longer. A light groan escapes my lips, followed by a quick yawn. Sundays are always considered to be the worst, in my own subjective opinion. I stretch my arms out of either side of my body as my legs swing to the right and off of my bed. I give my legs a moment to relax, my hands finding themselves by my hips before finally pushing me off of the bed and onto my feet. As per usual, I trudge out of my room and into...
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...The major plots of Don't call me Ishmael all have teamwork, a major plot was when Ishmael went to his first debate team speak. Thanks to James Scobie the first debate went perfect. Ishmael was on the sideline watching and he says, “Somehow thanks to scobie, we managed to pull some kind of a case together and scramble to our first debate. Ignatius was first speaker, Orazio was second and Scobie was third. When Scobie spoke, it was like someone turning on a light in a darkened room.” (p.141, bauer, 2003). Ishmael says himself that James carried their team. He also says that James’s speech had such a massive effect on the audience, his speech turned on a light in a dark room, which shows us how strong James’s voice is in persuading. Another major plot was when Barry Bagsley used Danny Wallace to make sure that Ishmael does not get involved with Barry’s plans to bring fear back into James. Ishmael tells us what he sees, “In deep conversation were James and Barry. When they came inside in the room I knew I couldn't warn James otherwise Danny Wallace would have shut me up.” (p.82-83, bauer, 2003). Barry may not be the sharpest tool in the shed but he definitely knows how to use his friends to his advantage. This quote shows us that Barry was extremely organised with his plan. Barry gained James’s trust and then used that to attack him. Effective teamwork is shown in don't call me Ishmael when a unorganised debate team meets to discuss their topic. As a leader James Scobie is able...
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