...mortgage companies in the United States until the housing market started to fall. They had so much bad loans that executives were about to closed the doors, until Bank of America came to the rescues and purchase the company. This was the beginning of the nightmare that was soon to make the evening news. The American people were soon to find out about all the creative loans that were approved to unsuspecting customers who were soon to lose their homes. This was the beginning of the end for Countrywide and a turbulent time for Bank of America which is still going on today. Defining and Analyze To define all the issues that created the downfall of Countrywide, we first need to look at the history of the company. The company was created by Angelo R. Mozilo and David Loeb about forty years ago. The partners were able to grow the company into a $500 billion home loan company and assets of $200 billion (The New York Times 2011). To be one of the major mortgage companies, they took many risks to ensure that their customers could live the America dream of owning a house. There have been many issues that led to the downfall of Countrywide. Greed would have to be high on the list. They approved loans that many other companies would not. Part of the problem happened during the crazy housing bubble that enables almost anyone to be approved for a mortgage. Gone were the days of qualifying for a mortgage by providing documentation (pay stubs, bank statements, etc) that was needed in...
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...Capstone Project Pre-Proposal Statement Project Title: | Online Cooperative Credit Inquiry System | Proponents/Researchers: | 1. Mark Angelo Mandigma | | 2. Mc Vincent Ringor | | | | | | | Rationale | Online Cooperative Credit Inquiry System is a system process in which data entered offline but information can be retrieved online. Any inquiry into an account, whether it be a depositary account or credit account. The inquiry can refer to past records, payments or other specific transactions, or any other entries relating to the account [1]. Most financial institutions have a formal department that deals with account inquiries. Sometimes the term is used when there is a request to or from a credit agency about a particular consumer [2]. A transaction whereby a bank or other credit-issuing institution views an individual's credit report in connection with a loan or credit card application. The purpose of a credit inquiry is to evaluate an individual's likelihood to repay money that is lent to them (known as creditworthiness) [3]. | Scope of the Study: | A Client of the Cooperative Agency can enter an Account Number (The Agency assign an account number when the client registered and avail a service offered by the agency). * Online Credit Inquiry System will access accounts and gives them an update about client balances, * Online Credit Inquiry System will access accounts and determine whether there is an overpayment...
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...Jesse Jacquez Com101-052 Narrative writting 09-07-13 The Beach Everyone needs a break in life. Chores, school, and work are all daily duties that people want to escape from. The beach releases me from all my responsibilities, so I try to visit the beach every summer at least once. I feel that all work and no play can be socially unhealthy. There should always be time for letup. Everyone needs to get out of work mode once in a while. My cousins enjoy the beach as much as I do, and my cousins always invite me to tag along with them. When I visit the beach, I can personally say that I always create new memories. This past summer, I only got the chance to go to the beach one time, but I still had an amazing time at the beach. The day I went to the beach was perfect. The sun was high in the sky, and the clouds provided just enough shade. The weather for the whole day was beautiful. The sand on the beach was warm to the skin. It felt as if I was walking on a bunch of pillows. As soon as I sat on the beach I completely buried my feet in the sand. The waves where flowing in because of the boat traffic in the distance. The sound of the waves were almost putting me to sleep as I laid on the shore. Many people play recordings of wave sounds to put themselves asleep at night, but the real sound of waves in person is extremely move effective. The water, the sand, and the sky was just exceptional. I could not dream up a better day. The setting of the beach was just right. The...
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...July 28, 2014 | Features The Trials of the Kabbalah Capitalist Rabbi Yoshiyahu Yosef Pinto ministered to machers in New York and Israel. Then God had a change of heart. June 2, 2014 | Features The Taming of the Trading Monster After his firm’s indictment, Steven A. Cohen is richer than ever—but almost everything has changed. January 6, 2013 | The A-Rod E-Mails The slugger and the suit: a baseball bromantic tragedy. December 9, 2013 | Chasing A-Rod The struggle between Major League Baseball and one of its greatest hitters over steroids is total war—fought with six-figure payoffs in the tanning salons and strip malls of South Florida. October 21, 2013 | Features Post Mortem A (somewhat premature) newspaper autopsy. June 24, 2013 | Features Nelson Castro in the Machine Created by the Bronx political Establishment—then sent out by the D.A. with a recorder to try to bring fellow politicians down. May 13, 2013 | Features Al Gore’s Golden Years The almost president has become the ultimate Davos Man, a moral entrepreneur and richer than Mitt Romney. March 4, 2013 | Features The Dean of Corruption Cecilia Chang, the St. John’s fund-raiser who committed suicide after her epic fraud was exposed, tried to keep her superiors happy with gifts of watches, vacations, custom suits, and fine wine. It worked, for a while. September 24, 2012 | Features We’re Going to Take Over...
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...Maya Angelou's Early Life Maya Angelou was born Marguerite Annie Johnson in St. Louis, Missouri in 1928. Maya and her brother, Bailey, moved to live with their grandmother after the divorce of their parents. The move to Stamps, Arkansas forced Maya to encounter much racism. Despite prevalent racism in town, Maya's grandmother always made sure to teach Maya and her brother strong values. At the age of eight, Maya's mother, Vivian, took the children back to live with her in St. Louis. Shortly after the move, Maya was raped by her mother's live-in boyfriend. This traumatic event caused Maya to become mute for a period of time afterward and withdraw from family and friends. It also created a major rift between Maya and Vivian. At thirteen, Maya moved to San Francisco where she attended George Washington High School and received a scholarship to the California Labor School for dance and drama classes. Maya was one of the only black students in her school and found life in San Francisco intriguing and liberating. Maya's Young Adult Life She became pregnant with her son, Clyde, at age seventeen. Maya had just earned her high school diploma and her dreams of attending college were fleeting. Instead, she took various waitressing and cooking jobs and was even the madam of a brothel. Maya yearned for stardom in her young adult years, but her dancing career did not take off. Soon, Maya figured out that she needed to find a way...
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...Reaction Paper-Week IV Beverly L. Clanton University of Phoenix Eng/125 Molly Holmes 06/26//09 Reaction Paper-Week IV The nonfiction stories I read for this assignment were “Salvation, by Langston Hughes and Graduation, by Maya Angelou.” In the story “Salvation,” a young sinner, Langston Hughes, is brought to church by his aunt to “find Jesus." Even though Langston felt no connection to Jesus, he felt obligated to pretend, due to his love for his aunt. In our lives, many of our decisions are influenced by the ones close to us because of the love we have for them. We do not want to disappoint our love ones; therefore, occasionally one may defer goals and aspirations in fear of not receiving approval. When Langston Hughes says “So I decided that maybe to save further trouble, I‘d rather lie too, and say that Jesus had come, and get up and be saved.” Having said this, young Langston has apparently overlooked his personal belief to receive an approval of salvation by the congregation. After reading this story, I realized that everyday individuals are faced with hundreds of decisions and choices. Sometimes our consciences conflict with one another and it is hard to make the most beneficial decision. This happens so often that most of the time it will go past unnoticed. Peer pressure is one of the most common of these "bad consciences." Teenagers are the most vulnerable to peer pressure because of their desire to receive approval from their friends. Even in my own...
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...NAME: Marion Brooks GENERAL TOPIC: Maya Angelou GENERAL PURPOSE: To inform, persuade and entertain SPECIFIC PURPOSE: At the end of my speech, the audience will be able to list four facts about the childhood, education, career, and achievements of Author, Civil Rights Activist, and Poet Maya Angelou. CENTRAL IDEA: Maya Angelou is an amazing woman and a great Author, Civil Rights Activist, Poet. ***************************************************************************** INTRODUCTION: ATTENTION STATEMENT: Did you know Angelou supported Cuban leader Fidel Castro, despite his rivalry with U.S. leaders? ESTABLISH CREDIBILITY: I have been a big fan of Maya Angelou and have completed research about her life and career. PREVIEW STATEMENT:...
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...grandmother, Annie. As children they shared a very close relationship, and was given the nickname “Maya” by her brother. They moved back to Chicago in 1935 to live with their mother. And was raped at age seven by her mother’s boyfriend. She was very traumatized about this and did not want to talk about it. Her uncle found out and killed the man . Due to this incident Maya was withdrawn from society and remained silent. In 1944 she dropped out of high school and worked as the first Black cable conductor in San Francisco. Maya decided to go back to school and graduated from Mission High school becomes a single mom, with birth of her son Guy at the age of sixteen. In order to have money to support her son and herself she performs at the Purple Onion nightclub in San Francisco and adopts the name Maya Angelou when she married Tosh Angelos. Maya started to read work by William Shakespeare, Edgar Allan Poe, and Paul Lawrence Dunbar were her inspirations to write. Her lyrics, which turned into poetry and short stories and her singing career succeeds to Brooklyn, New York, to join the Harlem Writers Guild. In 1960 Maya Becomes the Northeaster Regional Coordinator for Southern Christian Leadership Conference. She Appeared in a Broadway play, "The Blacks“. She directs and performs in "Cabaret for Freedom", which she writes with comedian Godfrey Cambridge. In 1961 Maya moves to Africa with Guy and Make. And becomes an associate editor for an Arab Observer in Cairo...
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...daughter Maya Angelou. The world was in for a change that day. Marguerite Annie Johnson was her real name. It wasn’t till Maya Angelou's early twenties when she received her name that we would all know today. Maya Angelou was a master of all trades, Maya went on to become an acclaimed American Poet, autobiographer, storyteller, and activist. Maya Angelou was best known as a poet and an award-winning author. In 1931 Maya Angelou and her brother has been sent to live with their grandmother in Stamps in Arkansas. At this time Stamps was a racially divided and Maya had now experienced what being a black girl in this racist society. As one could imagine her grandmother did her best to instill values and morals among their home. When Maya Angelou was eight years old she was living with her mother in Saint Louis. Tragically Maya was raped which then lead Maya to become mute for close to five years. Maya Angelou was sent back to Stampa because no one could handle the state that Maya was in. While living back in Stamps Maya life was going to change for the better. Mrs. Flowers was a woman that rescued Maya from who she thought she was. Maya confidence was regained and she was once more thriving. Maya at this time lived behind the back of the Johnson Grocery store with her brother and Uncle Willie. At this time Johnson Grocery Store would sell to both whites and blacks. In the home Mrs Annie had taught the Christian principals, respect, love and courage. Mrs Annie had a hand in Maya Angelou...
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...Civil Rights Leaders Krystal Pride-Lang ENG/250 March 6, 2015 Daniel Noia Civil Rights Leaders Many African American men and women stood on the front lines for civil rights. These leaders fought for the right to vote and have the voices of the African American community heard. These leaders just didn’t consist on people only protesting for their equal rights, however. Some were famed authors, poets, play writes and inventors. Two influential civil rights activists that come to mind are Maya Angelo and Jesse Jackson. These two helped in the fight for equal rights, but they also were much more than that. They lived completely different lifestyles and accomplished many different tasks within their lives. Jesse Burns, also known as Jesse Jackson, was born on October 8, 1941 in Greenville, South Carolina (Dyson, 2006). His father always noted him as being a gifted child. Jesse’s father recalls Jesse saying that one day he would be a preacher and lead his congregation through the water. Once Jesse Jackson graduated high school in 1959, he attended college. He was enrolled at North Carolina A&T where he excelled in his football career. This was also the time in his life where he decided to begin his activist career (Dyson, 2006). He was a part of a sit-in movement to help integrate Greensboro’s pubic facilities (Dyson, 2006). By 1964, Jesse had received his Bachelor of Science degree in sociology. Throughout his life, Jesse Jackson had a very influential role in regards...
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...Qui-Anna Brown Mrs. Weinberg/ 663 19 February 2014 Maya Angelou Life Maya Angelou was born on April 4TH 1928 in St. Louis, Missouri. She was raised in Missouri as well as in Stamps, Arkansas she experienced cruel racism. She also experienced many traumatizing events that led to her uncommunicativeness as a young girl. However, with the help of a teacher she was able to learn to express herself and love words. She became a wonderful and exstrodenary woman who the people inspire and love her words of wiz them. EDUCATION: Maya Angelou and her brother Bailey had attend to a public school in Arkansas and California. She study dance with Martha Graham and drama with Frank Sliver FAMILY LIFE: Maya has a brother named bailey, at the age of 4 her mother sent them to live with her pious grandmother rural Stamps Arkansas because her parents were getting divorce and she didn’t want them to know what was going on. AT the age of 8 she was rape by her mother boyfriend this expire to write” I know why the cage birds sing which recalls a young African American women discovery of her self-confidence. (Maya Angelo (1928 ) Contribution: Maya Angelou was an author , poet ,playwright stage and screen performer and director she had become san Francisco first female streetcar conductor .In the early 1960s,Angelou lived in Egypt where she was the associate editor of the Arab observer in Cairo. Maya Angelou had a successful career , Angelou worked as writer-produced...
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...Who is Marguerite Annie Johnson? She is better known as Maya Angelou. Some know her as a poet, a lecturer, a civil rights activist, an author, and an orator. In her turbulent beginnings, she struggled to discover her confidence, dignity, and self worth as an African American. She grew up in an unstable environment. Ms. Angelou was primarily raised by her paternal grandmother. Although she lived briefly with her father, Bailey Johnson, and periods with her mother, Vivian Baxter-Johnson, ‘she accredits her grandmother with planting the seeds of pride and her religiousness.’ (Angelou, 1969) Emotionally, Marguerite Johnson was a sensitive child. Her feelings were easily hurt. She also felt racial discrimination from being in the South. She didn't have much confidence, and she believed (whole-heartedly) in GOD. She did not have enough love from her caregivers, as a child. At eight years old, she was raped. That event caused her to remain silent for five years; following the murder of her accused rapist. His death caused her to believe that her speaking her accusers' name caused his death. Marguerite Johnson was befriended by the kindness and generosity of a family friend, and the discovery of authors and poets helped her regain her voice. The adults in Maya Angelou's life were unstable, to say the least. Her father (being tall and handsome), was a womanizer. Her mother (being a beautiful woman), had have any man she wanted; considering she had several male acquaintances...
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...Analysis of "Still I Rise" Initial Thoughts I have always enjoyed Maya Angelou's poetry. After reading "Still I Rise" I have a feeling of joy and pride. I picture the struggles she must have gone thru throughout her life. I imagine the pain and hurt she has endured and yet she is still a confident, secure, black woman. I feel as though she is taunting and chastising those that have ridiculed her: "Does my sassiness upset you?," "Does my haughtiness offend you?," and "Does my sexiness offend you?". I picture her speaking these words to those that have hindered her with a smile on her face, filled with confidence. I rejoice in her strength. I applaud her for standing up for herself and others that have gone thru the same suffering. I love how she states an insult that she has received and comes back with self assurance and a relentless stance: "still I'll rise." The wittiness is comical and clever: "'Cause I walk like I've got oil wells Pumping in my living room," "'Cause I laugh like I've got gold mines Diggin' in my own back yard," and " That I dance like I've got diamonds At the meeting of my thighs?" Historical Context Angelou, a Postmodernism poet, wrote "Still I Rise" in 1978. Maya Angelou was born in St. Louis, Missouri in 1928 as Marguerite Johnson (Biography.com). Angelou grew up during an age with racial prejudice and gender inequality in the United States. African Americans did not get the right to vote until 1965. Even to this day, there are still racial tensions...
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...Maya Angelou Name: Institution: Instructor: Date: Table of Contents Table of Contents 2 Introduction 3 Reasons for Choosing Maya Angelou 3 Early Life 4 Educational Life 5 Angelou’s Influence in her Early Career 5 Angelou’s Influence in Africa 6 Angelou’s Career Peak 7 Later Career 7 Qualities That Make Angelou A Great Leader 8 Analysis of Angelou’s Leadership Style 9 Application of Angelou’s Leadership Style to Hospitality Industry 9 Leadership Lesson on Angelou Essential for Hospitality Industry 10 The value of versatility 10 The Value of Spirituality 10 Introspection value 11 Conclusion 11 References 12 Introduction Leadership is essential for the success of a given group, society, or organization. Through leadership, a particular group of people is directed, mobilized, motivated, and encouraged to perform a given task. Leadership is among the roles of a manager. The manager in this case is a person charged with given responsibilities for the success of a given venture. At an individual level, one is supposed to manage his or her own life in an effective way to achieve a lifetime objective. Given that leadership is among the roles of a manager, it means that everyone should cultivate leadership qualities in all aspects of life. This can be done through several ways. One of them is by learning from reputable leaders of both the past and the present generation. The world has witnessed myriads of reputable...
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...Maya Angelou Introduction Leadership is essential for the success of a given group, society, or organization. Through leadership, a particular group of people is directed, mobilized, motivated, and encouraged to perform a given task. Leadership is among the roles of a manager. The manager in this case is a person charged with given responsibilities of handling affairs of a given business venture. At an individual level, one is supposed to manage his or her own life in an effective way to achieve a lifetime objective. Given that leadership is among the roles of a manager, it means that everyone should cultivate leadership traits in all phases of life. This can be accomplished through several ways. One of them is by learning from reputable leaders of both the precedent and the current generation. The world has witnessed myriads of reputable leaders with profound influence on the community. Their utterances, Way of life, and formulas of handling situations is worthy emulating. As a result, one ought to assess the same and emulate their style of leadership. One area where leadership is essential is in the hospitality industry. Hospitality generally involves accommodating people at a given place. Accommodation in this case involves providing, comforting, guiding, and instructing people on the type of food, entertainment, and recreation facilities available for them. This paper investigates a reputable leader. The leader in consideration is Maya Angelou. The consideration...
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