Timothy Leary as an American Hero essays

Timothy Leary as an American Hero articles The term legend infers numerous thoughts, numerous occasions, and numerous individuals. In any case, one face it for the most part neglects to summon is that of Timothy Leary. Dr. Leary figured out how to make a degree of ignominy scarcely any Americans have accomplished since this countrys beginning; he is the perfect example of the psyche changing psychedelic drug LSD and has been named by numerous individuals as the rebellious pioneer of the counter-culture development of the sixties. Very few individuals welcome this incredible keeps an eye on long series of achievements, his commitment to logical advancement, or his happy, unstoppable character. It is a little hover of individuals in fact who might name this man a saint, however in all actuality Dr. Leary exemplified the standards of fearlessness, disclosure, and kindheartedness, which none can deny are brave trademarks. No man has demonstrated more fortitude even with misfortune than Timothy Leary. One extraordinary case of his valor originates from his initial a very long time as a cadet at West Point during the 1940s. Subsequent to enjoying an amount of liquor with some upperclassmen after a football match-up one night, Leary ended up before the Cadet Honor Committee of West Point anticipating discipline. The advisory group declared that he should maintain a strategic distance from social contact of any sort, in spite of the way that during his court-military the charges brought upon him were quickly dropped. For nine months he endure this automatic isolation, until at long last the school solicited him to leave in light of the fact that from moral issues that his discipline was causing. Leary conceded to the condition that his honesty would be reported in the wreckage lobby. After two days, he left West Point. Long a short time later, subsequent to winning a doctorate in brain science and serving a few residencies at lofty establishments as Berkley and Harvard, Dr. Timothy Leary built up an enthusiasm for what he would later get renowned for: hallucinogenics. Initially his examinations were supported by Harvard, however after medication misuse turned into a maj... <!

Project Report Essay Example | Topics and Well Written Essays - 3000 words - 2

Task Report - Essay Example The oil vehicles add to alto of contamination whereby they may leave noxious fumes exhaust or oil spilling from their motors. To monitor the different regular plants and creatures, it is critical to think about preservation quantifies that will help save the woods. Utilizing electric vehicles and bikes will lessen exhaust vapor and the spillage of oil in North Pennines and, thus, diminish contamination for the most part. The paper will, consequently, center around the utilization of elective vehicle like bikes and electric vehicles to lessen worry to diminish contamination to the regular habitat of North Pennines. North Pennines is a characteristic save that individuals visit particularly in their recreation or past occasions. It is a characteristic natural surroundings far away from the city and the numerous exercises that influence the urban communities and towns. There are individuals who remain there and accordingly help to keep up and deal with the different plants and creatures. The territory has human settlements and the woodlands and normal zones where individuals don't possess. The individuals in this manner visit North Pennines to appreciate the quietness related with it and to wander into regular experiences particularly when testing the different creatures and living beings in North Pennines. The earth is generally common and an astounding environment for the various plants found in North Pennines. Numerous individuals accompany their private vehicles into North Pennines. The vast majority utilize their vehicles to move around and, subsequently, an endeavor with the vehicles to Nor th Pennines. They travel through the tremendous grounds and the moorland utilizing their vehicles. The vehicles, in this manner, spread a great deal of mileage while moving around North Pennines, and, thus, carry with them a ton of contamination to a zone that doesn't have a lot of contamination close to it. It is in a remote spot, so the utilization of a vehicle is fundamental for getting to it. Individuals can utilize bikes in getting to the territory. Since vehicles accompany contamination, it is

Subscription Boxes Money Saver or Money Pit

Subscription Boxes Money Saver or Money Pit Subscription Boxes: Money Saver or Money Pit? Subscription Boxes: Money Saver or Money Pit?While a subscription box can save you a lot of timeâ€"and can also save you a lot of moneyâ€"you need to make sure that theyre really worth their cost.It seems everything comes in the form of a subscription box these days, from dog toys to makeup to beef jerky and even carnivorous plants. While they all claim to save you time, money or both in curating the perfect selection for your customer palette, are you really saving money by subscribing?According to Take Charge America  (@tcasolutions) there are currently over 2,000 different subscription boxes to choose from, and each of those boxes is going to claim that they save you a different amount of money. Some beauty boxes, for example, can run $39.99 and curate an average collection worth around $300. But are you really saving $260 by subscribing?It’s all in the box.Depending on what kinds of subscriptions you’re on the hunt for, it is possible to save money on certain things. For exam ple, if you are buying boxes for products you’re already using or interested in trying you might be able to save some dollars. That might not be true for the couponers in the room, however, since you may be better off clipping coupons than relying on the subscription box method.Take Charge America has a few ways of knowing that you’ll save money through the more basic kinds of subscription boxes (like shaving, household or toiletry products):You can budget accurately because you know exactly how much you’re spending each monthYou’ll always have the basics on hand so you won’t have to make extra trips to the storeBecause these companies cut out the middle man, you receive high-quality goods for lessSubscription boxes are also a great way to try before you buy. Often in the case of cosmetic or toiletry boxes, the items you receive are sample or trial sizes. That way you know after trying them if it’s worth your hard earned money to buy the full-sized products the next time you need them. After all, that $300 in cosmetics adds up fast.For pickier shoppers or even those who loathe the very idea of going shopping, subscription boxes can be a major blessing. Not only are you receiving items you don’t have to look for, but they are specially curated to what the company believes you are most likely to want.Those handpicked items are also, depending on the subscription box style, a surprise when you receive your box. And when it comes to the popularity of subscription boxes, some people love being able to expect the unexpected.On this point, The Nest  (@TheNest) cited consumer behavior expert Michael McCall who described “the thrill of wondering what youll receive in the mail each month.” It can almost feel like a holiday getting the chance to open a gift you sent yourself and not quite knowing what the month’s goodies will be.However, The Nest also quoted McCall on the flip side of this what’s-behind-door number-three type of pleasure: After a co uple of rounds of getting items you dont like, you may lose interest.Back to the buying boardWhile it’s fun to get a box of fun items every month, for many it might be a drawback that you don’t really know what you’re getting. The fact that you don’t get to actually pick what you’re receiving means that you could be paying for a bunch of stuff you don’t actually need.While you can squirrel away some of those things for future gifts (and thus still saving yourself some money) consistently receiving items you don’t want is one reason people break up with subscription boxes.Less Debt More Wine  (@LessDebtMoWine) sees subscription boxes as a good thing for those who know what they want and are careful with their spending. However, reckless spenders should beware because subscription boxes aren’t going to help with that particular problem.“Just remember, it’s about cost value and what you can afford,” Liz of Less Debt More Wine said. “So don’t get caught up in t he idea of treating yourself just because you’ve been good in every other aspect of your finances. If it’s not something you can afford or something that really adds value to your life, ideally both, then it’s not going to be worth it.”It’s also important to be aware of what it is you are getting. A downside of subscription boxes is that you are taking the company’s word for what the box contents are worth. Unfortunately, the individual items don’t usually come with prices on them so it’s difficult to know if what you’re getting is truly the deal you think you’re getting.Over at the Nest, McCall compared subscription boxes to gym memberships: If the cost is low enough, consumers will see these boxes as a good dealâ€"even when they aren’t getting much actual value from them. The more clear-eyed you can be when examining your own subscription box experience, the more likely you’ll be to make the right call.Be a smart box shopperJust like every subscription box doesn’t fit every individual person, the differentiation between want and need isn’t one-size-fits-all either. You have to take your personal spending, household needs, and lifestyle into consideration when deciding to take on a subscription box or not.The Nest relayed advice from Certified Financial Planner Katie Colman, who recommended that people interrogate why it is they are using a subscription box service: “If youre constantly strapped for time and dont always make it to the grocery store for dinner goods, then it might be funâ€"and make financial senseâ€"to enroll in a food-and-recipe delivery program like Blue Apron or Plated.”And for folks who weren’t subscribing to subscription boxes to save time, Colman recommended doing a deep-dive to examine their subscriptions cost-effectiveness: “Spending $19 a month on a BarkBox subscription may seem like a great deal on the surface, but could you otherwise justify spending more than $200 annually on treats, toys and gro oming products for your dog??While there isn’t a perfect solution out there, a basic cost-benefit analysis should let you know whether or not your subscription box is a clever lifehack or an expensive luxury that you’d be better off without. To learn more about saving money on everyday expenses, check out these related posts and articles from OppLoans:Save Money This Summer by Saving EnergySave a Few Bucks on Fido with These DIY Pet ToysReusable Purchases That Will Save You Money in the Long RunHow to Use the Library to Save MoneyDo you have a personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |Instagram

Subscription Boxes Money Saver or Money Pit

Subscription Boxes Money Saver or Money Pit Subscription Boxes: Money Saver or Money Pit? Subscription Boxes: Money Saver or Money Pit?While a subscription box can save you a lot of timeâ€"and can also save you a lot of moneyâ€"you need to make sure that theyre really worth their cost.It seems everything comes in the form of a subscription box these days, from dog toys to makeup to beef jerky and even carnivorous plants. While they all claim to save you time, money or both in curating the perfect selection for your customer palette, are you really saving money by subscribing?According to Take Charge America  (@tcasolutions) there are currently over 2,000 different subscription boxes to choose from, and each of those boxes is going to claim that they save you a different amount of money. Some beauty boxes, for example, can run $39.99 and curate an average collection worth around $300. But are you really saving $260 by subscribing?It’s all in the box.Depending on what kinds of subscriptions you’re on the hunt for, it is possible to save money on certain things. For exam ple, if you are buying boxes for products you’re already using or interested in trying you might be able to save some dollars. That might not be true for the couponers in the room, however, since you may be better off clipping coupons than relying on the subscription box method.Take Charge America has a few ways of knowing that you’ll save money through the more basic kinds of subscription boxes (like shaving, household or toiletry products):You can budget accurately because you know exactly how much you’re spending each monthYou’ll always have the basics on hand so you won’t have to make extra trips to the storeBecause these companies cut out the middle man, you receive high-quality goods for lessSubscription boxes are also a great way to try before you buy. Often in the case of cosmetic or toiletry boxes, the items you receive are sample or trial sizes. That way you know after trying them if it’s worth your hard earned money to buy the full-sized products the next time you need them. After all, that $300 in cosmetics adds up fast.For pickier shoppers or even those who loathe the very idea of going shopping, subscription boxes can be a major blessing. Not only are you receiving items you don’t have to look for, but they are specially curated to what the company believes you are most likely to want.Those handpicked items are also, depending on the subscription box style, a surprise when you receive your box. And when it comes to the popularity of subscription boxes, some people love being able to expect the unexpected.On this point, The Nest  (@TheNest) cited consumer behavior expert Michael McCall who described “the thrill of wondering what youll receive in the mail each month.” It can almost feel like a holiday getting the chance to open a gift you sent yourself and not quite knowing what the month’s goodies will be.However, The Nest also quoted McCall on the flip side of this what’s-behind-door number-three type of pleasure: After a co uple of rounds of getting items you dont like, you may lose interest.Back to the buying boardWhile it’s fun to get a box of fun items every month, for many it might be a drawback that you don’t really know what you’re getting. The fact that you don’t get to actually pick what you’re receiving means that you could be paying for a bunch of stuff you don’t actually need.While you can squirrel away some of those things for future gifts (and thus still saving yourself some money) consistently receiving items you don’t want is one reason people break up with subscription boxes.Less Debt More Wine  (@LessDebtMoWine) sees subscription boxes as a good thing for those who know what they want and are careful with their spending. However, reckless spenders should beware because subscription boxes aren’t going to help with that particular problem.“Just remember, it’s about cost value and what you can afford,” Liz of Less Debt More Wine said. “So don’t get caught up in t he idea of treating yourself just because you’ve been good in every other aspect of your finances. If it’s not something you can afford or something that really adds value to your life, ideally both, then it’s not going to be worth it.”It’s also important to be aware of what it is you are getting. A downside of subscription boxes is that you are taking the company’s word for what the box contents are worth. Unfortunately, the individual items don’t usually come with prices on them so it’s difficult to know if what you’re getting is truly the deal you think you’re getting.Over at the Nest, McCall compared subscription boxes to gym memberships: If the cost is low enough, consumers will see these boxes as a good dealâ€"even when they aren’t getting much actual value from them. The more clear-eyed you can be when examining your own subscription box experience, the more likely you’ll be to make the right call.Be a smart box shopperJust like every subscription box doesn’t fit every individual person, the differentiation between want and need isn’t one-size-fits-all either. You have to take your personal spending, household needs, and lifestyle into consideration when deciding to take on a subscription box or not.The Nest relayed advice from Certified Financial Planner Katie Colman, who recommended that people interrogate why it is they are using a subscription box service: “If youre constantly strapped for time and dont always make it to the grocery store for dinner goods, then it might be funâ€"and make financial senseâ€"to enroll in a food-and-recipe delivery program like Blue Apron or Plated.”And for folks who weren’t subscribing to subscription boxes to save time, Colman recommended doing a deep-dive to examine their subscriptions cost-effectiveness: “Spending $19 a month on a BarkBox subscription may seem like a great deal on the surface, but could you otherwise justify spending more than $200 annually on treats, toys and gro oming products for your dog??While there isn’t a perfect solution out there, a basic cost-benefit analysis should let you know whether or not your subscription box is a clever lifehack or an expensive luxury that you’d be better off without. To learn more about saving money on everyday expenses, check out these related posts and articles from OppLoans:Save Money This Summer by Saving EnergySave a Few Bucks on Fido with These DIY Pet ToysReusable Purchases That Will Save You Money in the Long RunHow to Use the Library to Save MoneyDo you have a personal finance question youd like us to answer? Let us know! You can find us  on  Facebook  and  Twitter.  |Instagram

Writing an Inquiry Business Letter for ESL Students

When you want to ask a business for more information concerning a product or service or for other information, you write an inquiry letter. When written by consumers, these types of letters are often in response to an advertisement seen in a newspaper, magazine, or commercial on television. They can be written and mailed or emailed. In a business-to-business setting, a companys employees can write inquiries to ask the same types of questions about products and services. For example, a company representative may want information on buying products wholesale from a distributor, or a growing small business may need to outsource its bookkeeping and payroll and want to contract with a firm. For further types of business letters, you can find examples of  different types of business letters to refine your skills for specific business purposes, such as making inquiries, adjusting claims, writing cover letters, and more. Hard-Copy Letters For professional-looking hard-copy letters, place your or your companys address at the top of the letter (or use your companys letterhead stationery) followed by the address of the company you are writing to. The date can either be placed double-spaced down (hit return/enter twice) or to the right. If you use a style that has the date on the right, indent your paragraphs and do not put a line of space between them. If you keep everything flush to the left, dont indent paragraphs, and put a space between them. Leave a line of space before your closing, and four to six lines of space for you to have room to hand-sign the letter. Emailed Inquiries If you use email, its easier on the readers eyes to have paragraphs with a line of space between them, so flush everything left. The email will automatically have the date of when it was sent, so you do not need to add the date, and youll need only one line of blank space between your closing and your typed name. Place your company contact information (such as your  telephone extension so someone can get back to you easily) at the bottom after your name.   Its easy to be too casual with email. If you want to appear professional to the business youre writing to, stick with the rules and tone of formal letter writing for the best results, and proofread your letter before sending it out. Its so easy to dash out an email, hit Send right away, and then discover a mistake upon rereading. Correct errors before sending to make a better first impression. Important Language for a Business Inquiry Letter The start: Dear Sir or Madam or To Whom It May Concern (very formal, used when you do not know the person to whom you are writing). If you know your contact already, thats better than being anonymous.Giving reference: With reference to your advertisement (ad) in... or Regarding your advertisement (ad) in...  Give the company context to why youre writing, right away.Requesting a catalog, brochure, etc.: After the reference, add a comma and continue could you please send me information on...Requesting further information: If you have more that youre seeking, add, I would also like to know... or Could you tell me whether...Summary call to action: I look forward to hearing from you... or Could you please give me a call between the hours of...Closing:  Use Sincerely or Yours faithfully to close.Signature: Add your title on the line following your name. An Example Hard-Copy Letter Your NameYour Street AddressCity, ST Zip Business NameBusiness AddressCity, ST Zip September 12, 2017 To Whom It May Concern: With reference to your advertisement in yesterdays New York Times, could you please send me a copy of your latest catalog? Is it also available online? I look forward to hearing from you. Yours faithfully, (Signature) Your Name Your Job TitleYour Company Name

Fannie Mae Fannie Freddie Mortgage Finance System

Fannie and Freddie remain two of the largest financial institutions in the world, responsible for a combined $5 trillion in mortgage assets. The primary function of Fannie Mae and Freddie Mac is to provide liquidity to the nation’s mortgage finance system. Fannie and Freddie purchase home loans made by private firms (provided the loans meet strict size, credit, and underwriting standards), package those loans into mortgage-backed securities, and guarantee the timely payment of principal and interest on those securities to outside investors. Fannie and Freddie also hold some home loans and mortgage securities in their own investment portfolios. In 2008 Fannie and Freddie lost a combined $47 billion in their single-family mortgage businesses, forcing the companies to dig deep into their capital reserves. By late summer in 2008—about a year after the start of the housing crisis—Wall Street firms had all but abandoned the U.S. mortgage market, while pension funds and other major investors throughout the world continued to hold large amounts of Fannie and Freddie securities. After the housing market collapsed, Fannie and Freddie needed a $200 billion bailout. If Fannie and Freddie were allowed to fail, experts agreed that the housing market would collapse even further, paralyzing the entire financial system. The Bush administration in September 2008 responded by placing Fannie Mae and Freddie Mac into government conservatorship, where they remain today. The improved finances atShow MoreRelatedThe Subprime Crisis Of 2007 / 20081467 Words   |  6 PagesIntroduction The subprime mortgage crisis, often referred to as the housing crisis of 2007/2008, was a major economic downturn in the United States with a wide reach, negatively effecting individuals, institutions, and foreign countries. The crisis was sparked from lax lending standards, government interference in a public market, and extremely speculative behavior. More specifically, after examining research from a wide variety of research from several credible sources, it is obvious that U.SRead MoreMarket Crisis And Its Effects On The Housing Market1460 Words   |  6 PagesAs a result, many homeowners began defaulting on their mortgages causing huge problems for those involved in the mortgage securitization market. On September 7th, 2008 when the Federal Housing Finance Agency (FHFA) place both Fannie Mae and Freddie Mac under government conservatorship. In addition, the US Department of Treasury agreed to inject up to $100 million into each GSE in order to provide liquidity and to continue purchasing mortgage-backed securities in the market. This would slow the USRead MoreSubprime Mortgages And The Mortgage Crisis1546 Words   |  7 Pages Mortgage securities are crucial when it comes to the availability and cost of housing in the United States. This paper will analyze the mortgage securities market, and how the market functions. It will also focus on the subprime mortgages created from 2000 to 2006. Suggestions will be presented that would protect against the types of problems experienced in the mortgage securities market from 2006 through 2009. Mortgage securities are considered an ownership interest in mortgage loans madeRead MoreAn Asset Price Bubble1286 Words   |  6 Pagesproponents of Behavioural Finance supported the second view by agreeing that psychological factors such as â€Å"irrational exuberance† made â€Å"bubbles† exist. The final view by the Austrian school explained that bubbles include real and psychological changes caused by manipulations of monetary policy. Besides that, there are other important contributors that need to be carefully considered when examining the house price â€Å"bubbles† that struck US. 1.1 The Federal Reserve System (the Fed) with the interestRead MoreEssay on Subprime Lending1808 Words   |  8 Pageswith these loans were large balloon payments and short maturities. The pricing for mortgage loans varied widely due to no nationwide housing market. The main funding for these loans was provided by life insurers, thrifts, and commercial banks. By 1932, a housing crisis was wreaking havoc on home loans. The estimated defaulted loans were rising to twenty –five percent. In response to this crisis, the FHL Bank System was designed to provide relief to lending institutions and homeowners. In 1933, PresidentRead MoreFannie Mae2047 Words   |  9 PagesPhilosophy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦4 Corporate Growth and Diversity.†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦6 Conclusion†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦...7 References†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦8 Figure Chart 1†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦10 Fannie Mae Fannie Mae is a leading mortgage company and one of the most financially successful businesses within its industry. Given the salient features of the organization that has culminated into its current standing, this report offers a brief but concise overview ofRead MoreThe Real Estate Bubble Crisis1597 Words   |  7 Pagesprices in 2008, brought on by a surge in foreclosures, and an increasing inventory of housing.1 Foreclosure increases came from an unprecedented rise in mortgages called, subprime mortgages. These risky subprime mortgages, and the cottage industry within the financial sector that profited from them, created an overly leveraged and over exposed finance industry that created a massive recession when the bubble popped. In this essay, we will look into the many causes that created the bubble and the overRead MoreCorporate Credit And Risk Management842 Words   |  4 Pagesestate market collapsed, and then the financial system, due to a few underlying circumstances. Many people bought homes that were priced well beyond their means. They were able to do so because several mortgage lending companies enabled them with a wink and a nudge via various types of disreputable loans, such as â€Å"liar loans.† A liar loan is officially known as a â€Å"stated income loan,† meaning that the mortgage company didn’t verify the borrower’s finances. There are also â€Å"NINJA loans,† an industry termRead MoreThe Central Problem Of Depression Prevention2980 Words   |  12 Pagestamed it, it was now time to focus on long-term economic growth. (Krugman:2008) On 15th September , 2008, Lehman brothers went under. In the following weeks, the Federal Reserve (FED) and the United States treasury nationalized Fannie Mae and Freddie Mac(the two largest mortgage companies) and they took over the worlds largest insurance company, AIG. Capital flow and trade flow spiraled downward, Credit withdrawal, a halt in investment and debt impairment took hold- five years after Lucas’ presidentialRead MoreA Note On Subprime Loans1565 Words   |  7 PagesRecent mayhem in the American economy attributed to a weakening of business regulation. In the absence of oversight, lending became a wildcat enterprise. Mortgage brokers easily deceived home buyers by promoting subprime loans, and then they passed on bundled documents to unwary investors. These subprime loans were offered at a rate above prime to individuals who did not qualify for prime rate loans. The loans were made to people who had no other way to access funds, and little understanding of the

Vision and Goals as a leader Free Essays

The difference between a vision and a goal, one is abstract and one is concrete. Visions are essentially abstract, while setting a goal is more tangible. For an example of a vision, one would say they would like to plant a large garden that will produce a vast harvest In the spring; It will contain green beans, tomatoes and corn. We will write a custom essay sample on Vision and Goals as a leader or any similar topic only for you Order Now This expresses an abstract desire for an outcome. Alternatively, a goal would sound like this, this springtime a large garden will be planted and time will be set aside to spend 5 hours a week hoeing the garden so the weeds will not interrupt the growth f the vegetables. This Is a substantial goal, meaning It Is a tangible and reachable, something you physically work towards. The subject of motivation can vary. In reality you will need to set the tone for the audience, in other words, different people will perceive different issues, and will be motivated by different things. Make sure you talk with your people regularly on a one-to-one basis to find out what matters to them. Herbage’s theory Is largely responsible for the practice of allowing people greater responsibility for planning and controlling their work. As a means of increasing motivation and satisfaction. The importance of visions is beyond dreams, It Is a statement of what or how you like things to be. Visions have a larger purpose and they share the core values that we hold at the center of our character. These core values are expressed to pave the road in the direction you want to see transpire. If a vision has been effectively communicated with precise and detailed direction and reason, others can see your mental picture to help you attain it and gain their commitment to it. ‘The only way to lead people Into the future is to connect with them deeply in the present. The only visions that take hold are shared visions-and you will create them only when you listen very, very closely to others, appreciate their hopes, and attend to their needs. † Souses, J. M. And Poster, 8. Z. To lead, create a shared vision. Harvard Business Publishing January 2009. This Is another important aspect of people seeing your vision is gaining their trust first. The significance of your vision and the excitement you display will help your team know where they are headed. This leads them see and become enthusiastic about the large depiction of your Image and gives them drive for a positive outcome. Nothing was ever created without vision. The importance of goals gives something to work towards to measure both personal and professional success. Without goals it is hard to believe in ourselves. Goals drive you forward, tells you what you truly want. Helps you achieve your desires by putting a large destination In smaller stepping stones to make it wealth a graspable reach. â€Å"Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success. â€Å"- Pablo Picasso. Obtaining goals within a group who trust their leadership, are far more willing to share in and work towards reaching goals. Contribute all energies in same direction with the same outcome to have substantial results. When goals are agreed upon within a group the success will be immeasurable. The article setting. The first step talks about developing a vision. It is important to know where you are going as an organization. A leader must develop a vision with a positive attitude and be ready to present it with energy. They must also be effective in communicating that vision to their employees, who in turn will work together to achieve that vision. The second step talks about the importance of goal setting. How to cite Vision and Goals as a leader, Papers