...Article Rebuttal “Three banks singled out for not helping homeowners” BCOM/275 Article Rebuttal Wells Fargo, Bank of America, and JPMorgan Chase are all banks that have been bailed out by the American taxpayer in order to make home affordability a reality. In an effort to assist homeowners, the Obama administration rolled out several Programs that would enable homeowners to modify their existing loans. The Department of Treasury and Housing and Urban Development created a program that would assist troubled homeowner during these challenging economic times. The Home Affordable Modification Program (HAMP) and the Home Affordable Refinance Program (HARP) were created to help modify and refinance loans that became unbearable to manage. The big three claim to have helped countless homeowners modify and refinance their current loans, yet homeowners have openly stated that they have been given the runaround. What is happening to the federal bailout money? Is it really being used for its initial intent? Claim 1 Bank of America claims to have helped tens of thousands of homeowners into mortgage modifications and refinances every month. The three lenders received $24 million in incentives from the government and get $1000 for each completed modification. . Rebuttal The Obama administration singled out three of the nation’s largest mortgage servicers for impeding its foreclosure efforts by failing to help homeowners modify their loans. The administration will withhold...
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...NAME: Petra R. Wright Date: November 7, 2010 Title of Article: Hawthorne and The Western Electric Company Author of Article: Elton Mayo 1. Identify and explain the main idea of the article. Elton Mayo was the founder of the Human Relations Movement and of the Industrial Sociology. Mayo carried out the Hawthorne studies research which tooked place at the Western Electric Company, a manufacturing plant located in chicago. Mayo and his researchers attempted to measure the impact of lighting on productivity, whether or not the lighting had an effect on productivity. The result was that *Productivity increased whether or not the lighting was high or low *Something, other than money and lighting, was impacting on performance *Key factor : Attention Mayo and his team of researchers took a group of six women and segregated them. They then altered their conditions of work in a number of ways, over a five year period, and observed the effects on production and the morale of the group. Over the period, changes such as new payment systems, rest breaks of different sorts and lengths, varying the length of the working days, offering them food and refreshments were also tried, which led to in almost all cases, of improvements in productivity. At the end of the experiment, Mayo felt that he had proven his point and closed the...
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...Throughout my research, I easily found information on this topic and I am still not sure I have found any answers. Addiction can be defined as a behaviour that creates physical and psychological pleasure. However, this is where the cost to the individual visibly outweighs the benefits. Only psychoactive drugs that affect the brains pleasure zones will resort to dependence of substances. These substances include anything from alcohol and nicotine, to a variety of legal and illegal drugs. Even though there is a large amount of information on substance use for individuals there is not one individual theory that is singled out in regards to addiction. The definition from the dictionary describes addiction as a condition of being habitually or compulsively occupied with, or involved in something. Addiction itself can be defined as unmanageable, compulsive and an act that is carried out even when it threatens the individuals health and wellbeing or the potential harmful social consequences it could pose. The biggest argument is that addiction is a choice not a disease. For those on the other side of the argument they claim just the opposite. Although it has been found true that drug and alcohol dependency can be passed down through hereditary there is no concrete evidence I have found that proves that this is a disease. It is true that drugs and alcohol can cause diseases, but does that make...
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...typical research article? The title of the research article is to present the article itself, the title of the article or paper has to be specific. The title needs to reflect the audience you are addressing. Author is the individual who wrote the paper this person is generally listed as the first author of a research paper. For published articles, other person who contributes to the work is also listed as authors. Ask your mentor's permission before including his/her name as co-author. The first Questionnaire I chose was about Breast Cancer. The sections varied because not all researches are the same. Section I: was the Profile of the patient, which included their medical history. Section II: Was bout the Diagnosis, the Questions were: Have you ever been diagnosed with breast cancer? Treatment Detection etc. Section III: Prevention and Medic taken. • What are the steps to critically evaluate research articles and how does the scientific method help you do this? When evaluating or analyzing a research article there a few different steps that a person can take it depends on what the article is about. First the person must make sure that the source is a valid source that wrote the article. Then the person looks at the research question and make sure that the research is clearly defined in a precise manner. The research should be correct as well to be considered a valid research article. In addition the reader should ask questions such as is the article valid? One of...
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...the Lies John Doe BCOM/275 November 10, 2013 Linda Whiteman Weed Between the Lies Many heated debates whether marijuana should or should not pass a law legalizing marijuana for recreational use by the government stemmed from 1937, when Congress passed the Marihuana Tax Stamp act that heavily taxes cannabis, regulates, and introduced harsh penalties to those who did not adhere to it. Marijuana, also known as, cannabis is a greenish and brown mix of dried flowers, stems, seeds, and leaves. A substance that is smoked, consumed, or brewed in teas and some of the effects, are hallucinogenic, euphoria, muscle relaxer, and increase of appetite. There are thousands of articles that can be found on the Internet that support, and condemn the legalization of marijuana. James C. Backstrom, wrote an article titled, “Marijuana, America’s Most Dangerous Drug.” Backstrom is against the legalization of marijuana. However, marijuana should be legalized for recreational use. Dangerous Drug Backstrom claims that one of the most dangerous drugs is marijuana because it is the most illicitly used drug in America (Backstrom, 2010). Claiming that a substance is dangerous just because it is the most commonly used drug is a fallacious argument. According to the CDC, 80,000 deaths are related to alcohol, 443,000 to nicotine, and 14,800 to painkillers a year (Center for Disease Control and Prevention, 2012). There have been no official reports of marijuana-induced deaths. Looking at...
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...Initial feelings about the article, Muslim missionaries who understand the Quran and the hadith believe that sharia (Islamic law) expresses the highest and best goals for all societies. It is the will of Allah. No one should be fooled into believing that these harsh and excessive laws were invented in the fevered imagination of extremists who came long after Muhammad. No. These harsh and excessive laws come directly from the founder of Islam in his Quran and in his example in the hadith. After going through two previous confusing stages before coming down hard on adrinkers and gamblers, the Quran finally prohibits alcohol and gambling in Sura; they do not prescribe the punishment of flogging, but the hadith does. Thus, we see no offer of help for the alcoholic, when he is dragged before Muhammad and his followers. Why does Muhammad not offer rehabilitation? Why does he always seem to go immediately to corporal punishment? Muhammad himself actually laid down these excessive punishments and policies. For example; Muslims showed up intoxicated for public prayers "and made blunders in their recitations" of Quranic passages. So Muhammad had to correct the problem. 4:43 You who believe, do not come anywhere near the prayer if you are intoxicated, until you know what you are saying . . . Because the Muslims showed up intoxicated for public prayer, "they changed the timings of their drinking so as not to clash with the timings of their prayers," says Maududi (vol. 1, p. 337, note 65). So...
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...The UK Airline Industry The UK Airline industry is a huge industry for the United kingdom, it is important that we remember that it is not only tourism and passenger flights that we are talking about when we say the airline industry it involves all the shipping and import/exports that enter and leave the country by air, BATA say " Goods worth £116 billion are shipped between the UK non EU countries representing 35% of the UK's extra EU trade by value" The UK is a nation that is able to fly passengers anywhere in the world and also to import and export goods all over the world as well, this proves that the sheer size of the industry is massive, the CAA says " In the past 20 years passenger numbers at UK airports have grown from 104 million in 1990 to 213 million in 2010, having fallen from 242 million in the 2007 peak as a result of the financial crisis and economic downturn" these figures are massive considering the very small size of the UK and if we look at the details, BA was the sixth highest airline in terms of number of passengers in 2010 beaten only by Emirates, Air France, Easy Jet , Lufthansa and Ryan Air ( ASC June 26, 2011) , however Easy Jet and Ryan Air have huge stakes in the UK airline market and operate mainly within the UK's airports. the scope of the industry is very limited in the sense that the industry only caters to tourism and domestic holiday needs as well as importing and exporting goods, however within the export and export sector the scope is...
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...Running Head: ATTITUDE SURVEY 1 Attitude Survey Steven Johnson PSY/475 August 8, 2012 Dr. Elizabeth Nickels, M.A., Psy.D. ATTITUDE SURVEY 2 ATTITUDE SURVEY Students were given an assignment to conduct an in class teacher survey. This survey is based on several complaints by students to the dean. Several of the students in the class, believed the instructor was unfair in giving the students bad grades on his or her assignments. The measure of attitudes is important in a consumer driven economy, such as the one which exists in the United States today. Psychologists use attitude surveys to translate subjective attitudes of people, into empirical data. Attitudes themselves are distinguishable from interests and personality traits. The survey is based on students observing the teacher. Students can answer the survey by indicating on a questionnaire how strongly they agree or disagree or how effective or ineffective the subject may be. Students will be given the test at the beginning of class and will be collected by an academic counselor at the end of class. The results of the test will be kept private, and the information will be used to evaluate the instructor...
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...2014, para.1). This is why it is important to understand one’s own leadership style to be successful. In the following research the author will talk about the leadership style, and ideas and plans to improve based on an admired leader and the work that is performed with my mentor. Style/Characteristics Charismatic leadership style is what I would like to evolve into over my history of growing and becoming a seasoned leader. This style is characterized as, “the leader uses charm to get the admiration of their followers. They show concern for their people and they look after their people's needs. They create a comfortable and friendly atmosphere for their followers by listening to them and making them feel that they have a voice in the decision making,” (Dems, 2011, para.3). Mary Kay Ash is defined as a charismatic leader and I have admired her for years. She started with a vision, and her son to run a company that evidently cares about the health of men and women for the last 50 years. She has a lot to admire and one thing that has always kept me interested is her ability to bring so many people together and continue to inspire them although she has passed on. She was and is still amazing. Mary Kay has built a company based on the needs of others, caring for them through the vision of healthy women and enriching lives. I have had the opportunity to be a Mary Kay consultant and love the vision that is sent out to the world. It is the vision of Mary Kay that stands out and the love...
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...Although, the Bible also states “sexual immorality, impurity, sensuality, idolatry, sorcery, enmity, strife, jealousy, fits of anger, rivalries, dissensions, divisions, envy, drunkenness, orgies, and things like these. I warn you, as I warned you before, that those who do such things will not inherit the kingdom of God” (Galatians 5:19-21, English Standard Version). There are several sins that are listed in the Bible that people do on a regular basis, such as jealousy, rivalries and fits of anger, yet they are not treated like the same-sex couples are. Many receive encouragement for sexual immorality and receive no consequence, as to where same-sex couples engage in homosexuality and are treated differently, such as being degraded and singled out. In addition, the population as a whole does not belong to a religion, therefore they don’t believe that same-sex couples are sinning, it is simply an alternative...
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...Prejudice, Trinidad, and 'Jamaican exceptionalism'UWI «Tracking no» Foun1101 CARIBBEAN CIVILISATION Student Name: ID Number: Faculty: SOCIAL SCIENCES Degree Prog.: BSc. MANAGEMENT Date: 24/02/12 Title of Article Prejudice, Trinidad, and 'Jamaican exceptionalism' ________________________________________________________________________________________________ I certify that this is my own work and by attaching this cover sheet certify further that there are no instances of plagiarism contained herein. I submit to any penalty that the Faculty deems appropriate for any instance of plagiarism discovered in this work howsoever caused… Signed: Shawn Ramsaran THE UNIVERSITY OF THE WEST INDIES 1. I hereby certify that I am the author of the attached item of coursework and that all materials from reference sources have been properly acknowledged. 2. I understand what plagiarism is and what penalties may be imposed on students found guilty of plagiarism. 3. I certify that this paper contains no plagiarised material. 4. I certify that this is my own work and that I did not receive any unfair assistance from others (including unauthorized collaboration) in its preparation. 5. I certify that this paper has not previously been submitted either in its entirety or in part within the UWI system or to any other educational institution. 6. In the case of group work: a. I certify that the individual work of each member of the group has been...
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...ARGUMENTATION The applicant claims that there has been a violation of article 6 of the ECHR, namely, violation of his right to a fair trial. This right has been denied by the refusal of the Court of allowing the cross examination of the anonymous witness regarding the day, when he/she witnessed Mr. Karam transporting weapons to the house on Portobellostraat nr. 40. The applicant would like to highlight the fact he could not establish and confirm his alibi since he was not able to question the witness or at least be informed of the day when the alleged crime happened. During the proceedings of the Court of Appeal of Amsterdam, when the Investigative Judge was interrogated regarding the day when the alleged crime happened, he stated “At the beginning of the interrogation session the witness did not know exactly when the delivery had taken place. Later that day he/she was able to indicate that it had been during the period from 1 July until 7 July 2009. On one single day the interrogations took place first in the case of the co-accused Hendriks and then in the case of the present accused. I cannot now remember exactly all the differences in nuance between the two interrogations. Later that day the witness remembered a number of things more distinctly. Things happened the way I described them in the official record. I have tried to take everything down with as much precision as possible”. The applicant would like to state the fact that from the Investigative...
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...Dunbar, H. E., & Burgoon, N. K. (2005). Perceptions of power and interactional dominance in interpersonal relationships. Journal of Social and Personal Relationships, 22(2), 207–233. Norah E. Dunbar, author of this article was born in Canada. She studied in the California State University and she is a professor of communication studies. She has shown interest in research related to communication and has published a few journals in this area such as, ‘Journal of Family Communication’ and ‘Journal of Communication’. Dunbar has great knowledge of communication and has written chapter on verbal and non-verbal communication in a few of her journals/articles. The second author in this article is Judee K. Burgoon. Burgoon is an American professor and her studies are mainly focused on family studies and human development, she is a professor of communication. She went to Lowa State University where she had received her bachelor’s degree for a major in Speech and English and a double minor in social studies and education. I am going to critique this journal and present my analytical thoughts and views on what the author and other researchers have said about the relationship between power and dominance in interpersonal relationships and whether or not individual has more power authority in the relationship or not. There were many theories in the introduction that showed a relationship between power and dominance in relationships/interpersonal relationships and there were also some...
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...2016 Author Note Gary Stewart, Business Administration, Trinity International University Florida Regional Center, Correspondence concerning this paper should be addressed to: Gary Stewart. Email: zgstewar@tiu.edu 4. Discuss trends impacting marketing and the implications of these trends for how marketers deliver value to customers. • This student will first define and analyze what is marketing: marketing is the process of building profitable customer relationships by creating value for customers and capturing value in return. Understanding the marketplace and customer needs are vital in creating the right mix that a company needs to attract its core customers. There are five core marketplace concepts: 1. Needs, wants, and demands, 2. Market offerings (products, services, and experiences), 3. Value and satisfaction, 4. Exchanges and relationships 5. Markets. • Needs include basic physical needs for food, clothing, warmth, and safety; social needs for belonging and affection; and individual needs for knowledge and self-expression. (Kotler, Armstrong. p.6. 2015) • Wants are the form human needs take as they are shaped by culture and individual personality. Demands are wants backed by buying power. Marketing offering includes combinations of products such as services, information, or experiences offered to a market to satisfy a need or want. (Kotler & Armstrong) • Customer value and satisfaction includes services that might...
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...If a child acts out, some may put the blame entirely on the parent, claiming they are not disciplining their child well enough. However, those with autism normally cannot control this negative behavior. In an article written by Karine Silva and associates, they analyze an experiment conducted with a 12 year old boy and a Labrador retriever. There were two parts of this experiment. The first part involved the child and the therapist alone, the second included the dog. A comparison of the two trials shows positive results, in favor of the therapy dog. These results show the following: “higher engagement of the participant with the therapist” as well as a “lower level of negative behaviors” (Kline and associates, 2011). I believe that in a room with the therapist, the child feels alone and singled out. With the addition of a dog, the comfort level of the child begins to rise, allowing him/her to be more inclined to take part in social...
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