Universities Must Continue With The Race-Sensitive...

Universities Must Continue with the Race-sensitive...
Newspaper headlines and public forums demand educational reform with growing frequency. Race–
sensitive admissions policies are often at the center of these debates. For example, according to the
Los Angeles Times on March 21, 2001, the Los Angeles Community College district trustees are
scheduled to vote for a resolution to support the University of California's move to reinstate
affirmative action in its admissions policies. This reinstatement has visible student support as seen in
the March 15, 2001 rallies at the UC Regent's meeting in which over 1,000 supporters of affirmative
action came out to voice their opinion. This activity closely follows two other perceived victories for
affirmative action proponents when two recent court ... Show more content on Helpwriting.net ...
These types of arguments are a disservice to both sides.
As tensions surrounding race–sensitive admissions continue to grow, proponents of eliminating
race–based policies are gaining momentum. A conservative political climate, as seen in the
mandates for race neutrality in California and Washington and a recent court decision (Hopwood v.
State of Texas), which significantly limits the use of race as criteria for admissions in three states,
fuel this charge. Although race sensitive admissions policies are still widely used, a vocal opposition
has destabilized the foundation on which these practices are based (Tierney, 1997).
Arguments against race–sensitive admissions overlap and work in concert with each other. Four
main charges encompass many of these seemingly disparate complaints into clear areas of
discussion: (1) a moral argument which charges that society should be colorblind; (2) an economic
charge that argues race–based policies admit unqualified students, creating a financial burden for
institutions; (3) a charge of "social Darwinism" which argues that race–based policies do not allow
for normal selection process; and (4) a political charge which questions whether policies effectively
service society. In order to establish a position on the issues of race sensitive admissions
... Get more on HelpWriting.net ...

Examples Of Reversal In Sweat By Zora Neale Hurston
Aristotle defines reversal in a tragedy as, "The change of fortune in the action of the play to the
opposite state of affairs; just as has been said; and this change, we argue, should be in accordance
with probability and necessity" (Aristotle 19). In Zora Neale Hurston's Sweat, Delia, the wife, is
abused by her husband throughout the story. Although she is oppressed by Sykes, her Husband,
Delia stands up for herself and contests his power. According to Aristotle's definition of reversals,
power constantly moves back and forth between Sykes and Delia throughout the story. Delia and
Sykes have been married for over fifteen years, yet two months after their marriage Sykes started
abusing her. That being said, it wasn't always like that; Sykes at one point was afraid that Delia was
going to leave him. Sykes, before he was married, was described by the townspeople as, "He useter
eat some mighty big hunks uh humble pie tuh git dat lil 'oman he got. She wuz pritty ez a speckled
pup! Dat wuz fifteen yeahs ago . He useter be so skeered uh losin' huh, she could make him do some
parts of a husband's duty. Dey never wuz de same in de mind" (Hurston 4).
Sykes fifteen years ago was a completely different man than he was now. Power was reversed back
then, like the townspeople said, he used to be so scared of her leaving, she could make him do parts
of a husbands duty. Comparing that to his current complex, she can't even make him hold a door for
her now. He harasses her constantly,

Facts:. This Case Involves A Foreclosure Action Brought
FACTS:
This case involves a foreclosure action brought against the mortgagor, Tanya R. Bass (Bass), by the
mortgagee's successor, U.S. Bank, who was transferred the rights of the promissory note. The note
was originally established in October 2005 between Tanya Bass and Mortgage Lenders Network
USA for $139,988 with monthly installments of $810.75. Bass would be in default of the note if she
failed to make timely payments of the full amount.
The promissory note was transferred three times after originally being established. The first transfer
offered when the note was negotiated from Mortgage Lenders to Emax Financial Group, LLC
through a stamp evidencing the purpose of transferring the note. The second transferred the rights of
the note ... Show more content on Helpwriting.net ...
Bank was not the holder and could not seek to foreclose. When brought to the trial court, the court
found U.S. Bank to not be the rightful holder of the promissory note because a stamp is not
sufficient to negotiate an instrument and therefore U.S. Bank did not have the authority to enforce
any claims against the note. The foreclosure action was dismissed by the court due to U.S. Bank's
lack of ownership. The Court of Appeals confirmed the trial court's decision on the case regarding
the note's invalid indorsement when U.S. Bank appealed.
After the appeal, there was a review of the case and a decision to reverse the ruling. Under review of
the UCC's definition of a signature – "any symbol executed or adopted with present intention to
adopt or accept a writing." A signature is not limited to an individual's name according to the UCC,
but can be any form of a mark indicating the intent of acceptance. Since the stamp clearly evidenced
the intent of transferring possession of the note from one party to another, it was found to have been
properly indorsed to Emax, who was then the rightful owner of the note and could negotiate it to
another party.
Bass attempted to base her claim from a case

America's Changing Fringe Economy
Part I: Chapter 1: America's Changing Fringe Economy In Chapter 1 it goes into depth with a
multiple definitions of the fringe economy and how profitable the fringe economy is. This chapter
also provides information pertaining the involvement of mainstream financial institutions that would
have been guessed. It talks about how 22,000 payday lenders extended more than $25 billion in
short–term loans to millions of struggling households in 2004. Also it went over how 11,000 check–
cashing stores alone processed 180 million checks, which would equal to about $55 Billion. With
payday lenders out numbering other local stores and restaurants it is allowing them to be at every
corner in low–income neighborhoods making it convenient and pushing banks out of the area. For
example, straight out of the book it describes how McDonald's has only 13,500 U.S. restaurants,
Burger King has 7624, Target has 1,250 stores, Sears has 1,970, J.C. Penney has about 1,000
locations, and the entire Wal–Mart retail chain includes about 3,600 U.S. outlets. All of these
combined 29,000 locations are fewer than the nation's 33,000 check cashing and payday lenders,
just two sectors of the fringe economy. Chapter 2: Why the Fringe economy is Growing In Chapter
2 the author, Karger, defines another component of the fringe economy, the customers and provides
an in–depth explanation of each factors contributing to the fringe economy's growth. Furthermore, it
is said the fringe economy is growing because

Affirmative Action And Its Effect On Society Essay
In Martin Luther King's I Have a Dream Speech, he states "I look to a day when people will not be
judged by the color of their skin, but by the content of their character", this appeals to the emotions
that judging based on a person's race is wrong. For this reason affirmative action in higher education
admission should alter for it creates a perpetual racial preference in admission.
Affirmative action is controversial due its issue of whether the generation of today should pay for
the past injustices done to certain ethnicities. It questions the constitutionality of its existence and
whether it perpetuates racial discrimination. Although affirmative action greatly promotes diversity
and exposes diverse perspectives in an educational field, it's time to realize its modern predicaments
and visualize how to better progress terms of admission for the future of the diversified generations
of America. Thus it is vital to address the reasons why prolonging affirmative action hinders the
creation for better opportunities to those at a disadvantaged.
The dilemma of affirmative action is defining equal opportunities, especially to ethnicities who
historically felt injustice.The famous U.S landmark case Regents of the University of California v.
Bakke (1978), where Allan Bakke, a white man, was twice rejected to University of California
Medical School at Davis, ruled that racial quotas "violated the Equal Protection Clause of the 14th
Amendment", however race can serve a part as one

Reverse Mortgage Case
I think I got the idea from some news, that the reverse mortgage loans market in USA has grown a
lot and will also grow in the future. The reason is, that seniors want to live as comfortably as they
did during the years, when they had better incomes.
Another idea was, that the mortgage niche is a high paying AdSense niche. So I had two reasons to
try to make money from home.
1. The Market Is Growing And Waited For My Business Plan.
I have never tried to market something, which I do not understand. The reverse mortgage market, I
mean the need among the target group, was clear to me from the very beginning. It represented a
chance to make money from home, at least to try my best.
The Need.
It is simple. Seniors, who are age 62 or over ... Show more content on Helpwriting.net ...
The homes can be fully paid or the debt is minimal.
The Online Market.
It was quite easy to judge the online need just by doing the keyword research. It showed that seniors
are seeking information about these products actively and this means, that doing an effective SEM, I
would have a chance to draw enough visitors into my blog and to make money from home with
AdSense and the affiliate links.
2. The Launch Of A New Niche Blog Needed Many Mediums.
I saw the content of my blog as the most important success factor in the new niche. Fortunately my
niche is narrow enough, which helps to keep the content related.
I also hope, that the niche is not too narrow and that there is money in it. The keyword research
showed, that there will be.
When launching a new blog in the net, there are two challengies. First, to write enough useful
content and then to get enough related blog visitors to be able to make money from home.

The first thing was to start posting. At the same time I submitted the blog into the main search
engines plus to some over 100 others. The blog is now two weeks old, and it is not yet

The Conflict Theory Of Social Groups
Intergroup Competition is the idea that social groups will extend from the desire for a group to gain
the scarce resources that exist (36–40). This idea is greatly supported by the segment on affirmative
action in the video (36–40). As said in the movie, the idea is that scholarship money and grant
money is a scarce resource when students decide to go to college (37–40). In this view, the
individuals who are against affirmative action are competing for that scarce resource (36–40). By
using techniques like affirmative action and racial and/or ethnic based scholarships present the
subordinate group's strive for power, and the arguments against these resources are the dominant
group's attempt to maintain their power (36–40). Moreover, the strive to gain these programs is not
just for their own individual self interest, but is for the interest of their social group as a whole to
maintain the group's desires (36–40). It is in this belief that's the Realistic Conflict Theory resides
(36–40). In this, their exists the view that this conflict for scarce resources subsequently produces
prejudice, in which a privileged group has a sense of group position and strives to protect it (36–40).
This is shown in the video by the idea of reverse racism, in which the dominant group tries to grain
pity for their loss of domination by saying that affirmative action gives African Americans an unfair
advantage, thus racially profiling the subordinate group while trying to maintain their

Pros And Cons Of Reverse Mortgage Insurance
The Reverse Mortgage Cons:
1. Mortgage Insurance (MI) – Regardless of how much equity you have in your home, if you do an
FHA loan, you are going to have mortgage insurance. When you have a reverse mortgage, the
mortgage insurance covers you in the unlikely event that your loan balance exceeds the value of
your home. The only time this really can happen is when property values decline drastically. Don't
forget though, even if you have no equity left, you will never be forced to leave your home. Thanks
to mortgage insurance, you will never have to pay back more than your home can sell for, and you
don't have to sell until you want to.
2. Compound Interest – Everyone likes to earn it, no one likes to pay it. Simply defined, it is interest
which ... Show more content on Helpwriting.net ...
Using Your Children Inheritance – Say what? Who does the money belong to? If you need the
money to make your retirement better, why shouldn't you spend it? Use what you need and then pass
on the rest to your heirs. Don't blow the money (unless you want to), but use some of it if you need
to. It is your money.
The Reverse Mortgage Pros:
1. Maintaining Your Independence – Is there anything more embarrassing than needing to ask your
children for financial help? Would you like to need to move in with your kids because you can't
afford the bare necessities? Using a reverse mortgage you can keep your independence and maintain
your dignity.
2. The Ability to Keep Your Home – Not having to move potentially decades of collected items and
memories might be the best reason to do one. Just the thought of moving makes most people cringe.
By taking advantage of a reverse mortgage, you can afford to keep the home you love while
affording the retirement you deserve.
3. Affordable Living – So many seniors are broke and live in an impoverished state. Most aren't
even aware anymore because they have been living that way for so long. You can use the equity in
your home and create a lifetime income stream by taking a reverse mortgage on your

The Eminent Benefits Of Reverse Mortgage Company
The eminent benefits of Reverse Mortgage Company
Lux Real estate Miami; March 14, 2015, While you choose the reverse Mortgage companies in
Florida you will observe that they will present you with the correct variety of mortgage services. It
is able to be termed as a bit which is a little dissimilar than that of the additional usual home loans.
If you are going to watch out for some type of equity loans afterward you be able to see that you
will require having some type of fixed resource of profits and the sum which you will create will be
dependent on the principal as well as moreover the amount of interest. This type of a loan is the
something where you will be salaried and is as well something that is for all time offered to old
people who are on top of just about sixty two years of age group.
Since there will not be any sort of interest on top of the principal you will contain to see that you
pay a number of taxes regarding real estate as well as the lots of utilities. There are a small number
of dissimilar kinds of benefits which are ready available by the Reverse Mortgage companies in
Florida. You be able to get this type of a loan even by the time while you are not able earn anything.
Here you will obtain the mortgage against the definite value of your house. Therefore there is in fact
no credit necessity of the one who is aimed onto borrow the loans. If you contain any necessities to
sell your house by the mid of the loan phase after that you can extremely well

Real Estate S Closing Research Paper
Real Estate`s Closing Research Paper
25 March 2017
─
Austin Charles
BUSN120 D001
Dr. Conradson
Real Estate`s Closing Research Paper
The home buying process can be a very confusing time. First finding a home and finding one within
your price range, Then finding one to your liking, and finally settling the agreement and terms to
buy the house. There are many terms used within the time frame whether you 're buying a house and
or just looking. In this paper you will learn that most of every term and a short and brief description
of all of them.
HUD–1
Number one is the HUD–1 settlement. The HUD–1 settlement statement is a standard government
real estate form that was once used by the settlement agent or known as the closing agent, to ...
Show more content on Helpwriting.net ...
This is important to all parties of the home buying process. Mostly though this applies to the buyer
and seller. Only because this is a time period awaiting transfer of the deed and other land contracts
throughout the home buying process. This represents that last leap into buying your very own home
(Farkas UNK).
Closing a real estate sale is closely related and connected to closing the escrow: it's when the deal is
completed and both parties get what they worked for; money for the seller and a home for the buyer.
Even though you may not move in right away, The sales contract should state when the seller is to
move out and the buyer is to take possession of the property. In most cases, the buyer takes
possession at closing, but both buyer and seller can also work out other options, such as the seller
remaining in the home for a period of time, until he or she can close on another home purchase or
complete the construction of a new home this. The term Escrow closing is important because it is
the last and final step to owning the home. It 's a very detailed and entailed process that takes more
time just because everything needs to be pristine and that their are no speed bumps in the process
(FARKAS UNK). This term applies to all parties connected because it will justify when the seller
gets their payment and when the buyer gets the deed to the house.
PROPERTY DEED
The property deed is what you use to transfer the ownership of real

Solving The Foreclosure Crisis Of Boomerang Buyers
There are three aspects to the damage done to homeowners in the recent foreclosure crisis. First,
their credit ratings were damaged. Second, their personal financial situations were damaged. And,
third, their investment confidence was damaged. All three aspects of homeowners' post–foreclosure
stress disorder have to be addressed before boomerang buyers will be ready to return to the
mortgage market.
In reverse order, the first step is to overcome the lack of confidence that frequently results from loss
of a home to foreclosure. The easiest way to overcome that lack of confidence is education.
Boomerang buyers need to take full advantage of all resources available to them to learn as much as
possible about the current credit and ... Show more content on Helpwriting.net ...
Coupled with aggressive mortgage marketing was a population of overly "flexible" appraisers
providing inflated appraisals. Boomerang buyers should naturally be and must be especially diligent
about understanding all of the requirements and implications of any new mortgage.
For example, there are mortgage products available through the Federal Housing Administration, the
Department of Veteran Affairs, and Department of Agriculture. As Greg McBride, senior financial
analyst at Bankrate.com, said in 2012, "These are not mainstream programs geared for mainstream
borrowers." These loans typically carry a higher interest rate than conventional mortgages, but
conventional mortgages require a minimum credit score of 720, a significant down payment, and
proof of income. On the other hand, the FHA "FICO 500" project established in 2010 permits a
minimum credit score of 500 and a minimum down payment of 10%, and the "FICO 580" program
requires a minimum credit score of 580, with only a 3.5% downpayment. Both programs require
mortgage insurance, and a surcharge premium on the outstanding balance.
And, in 2013, the Department of Housing and Urban Development announced a new rule regarding
credit scores and FHA loans: Loan applications for borrowers with FICO scores below 620 and a

Biological Compounds Of Marine Organisms Essay
Biologically active compounds found in marine organisms have been extremely useful when
combating again human immunodeficiency virus. One compound in particular which is found in
sponges, Papuamide A, has been reported to have cytoprotective activity against HIV–1 in–vitro.
There are many other representatives that can be found in the same class as Papuamide A; however,
due to the slight change in their structure, the way they effect HIV is different. Papuamide A exhibits
a potent inhibitory effect on the infection of T–Lymphoblastoid cells by HIV and has been able to
combat against drug resistant HIV strains.
Introduction. Human immunodeficiency virus type 1 (HIV–1) has infected over 33.2 million people
world–wide to date [9]. There is a plethora of new and upcoming drugs that are being used to
combat against human immunodeficiency virus. Although effective, the drugs that are being used to
combat against HIV–1 have also been known to cause resistance, adverse effects and toxicity to the
mitochondria [3]. HIV–1 is a retrovirus that belongs to a subfamily of retroviruses called
lentiviruses [8]. HIV–1 causes a slow depletion of the immune system and is considered a slow
degenerative disease. New drugs that combat against HIV–1 entering into different cells has raised
interest due to the fact that these new drugs are able to work against drug resistant viruses that can
infect the cell.
Glycoprotein 120 (gp–120) is necessary for virus entry into human cells. Gp–120 has a

The Laws And The Rules And Systems Set Out Within Act Of...
Aim
The aim of this research is to present three important statutes related to Property professionals and
demonstrate how common law helps to interpret the rules and systems set out in Acts of Parliament.
Introduction
In United Kingdom's legal system, Statute Law is a law which is written down and codified into law.
Statute begins as a bill which is either a proposal for a new law or a proposal to amend an existing
law. Statutes are also known as Acts of Parliament (Elliot 2014).
Before becoming a formal bills, draft bills are introduced either to House of Commons or House of
Lords. Draft bills are published for consultation, this process allows to examine and amend the text
prior to formal introduction of bill to Parliament. To become ... Show more content on
Helpwriting.net ...
There will be a vote to whether to approve suggested amendments (Elliot 2014).
Stage 5: Third Reading – at this stage the amended bill is read in full. There will be debate only if at
least six of members request it. The decision will be made whether bill to proceed. If the bill is
successfully progressed through all stages it then passed to the Alternative Chamber. If bill started in
the House of Commons it is to proceed to the House of Lords and vice versa. Any amendment made
by alternative Chamber should be passed to House of Origin for approval (Elliot 2014).
Stage 6: Royal Assent – at this stage formal bill which successfully passed all previous stages is
introduced to Parliament for approval. This is formal procedure where bill is signed by monarch and
formally becomes a Statute. Generally date to implementation of a new statue is commencing
shortly after Royal Assent granted. However in some Acts date for implementation may be some
time after approval to allow time to businesses or individuals to adopt the changes (Elliot 2014).
In addition to Statute Law there is a Common Law or Case Law, which helps to interpret the Acts of
Parliament. Case Law is based on the decisions made by High Court and interprets the application
of statutes. Judges create the Common Law by delivering written judgements about the cases (Elliot
2014). In deciding a case, first

Reverse Mortgage Is It Right For Me
Reverse Mortgage is it right for me: The Reverse Mortgage is in fact not the right mortgage loan for
every senior who owns a home; there are many things to consider when you are contemplating a
Reverse Mortgage.
First the amount of time you are planning to live in the home! If a person is planning on moving
from the home within the next five years then you have a decision to make. It will take about five
years to recover the closing cost associated with the Reverse Mortgage. Here is a list of general
closing cost that you will have to pay at closing out of the proceeds.
Mortgage Insurance Premium (to protect the value of your home, the money against mortgage
company failure and other issues Origination Fee (lenders Cost) State Tax Stamp ... Show more
content on Helpwriting.net ...
Conversely, with a HECM, the borrower builds up debt while they live in the home.
In addition to building up debt, there can be significant up front costs when brokering a reverse
mortgage. If you plan on only taking out a small portion of money or plan on living in your home
for only a short time then these costs can push the effective rate on the home up considerably.
The last significant disadvantage of a reverse mortgage is that you leave your heirs with a noticeably
smaller legacy. It might be something you should discuss with your heirs. When you take out this
mortgage, you will have less equity in the home and likewise, the heirs will inherit a smaller portion
of the home 's value. Also, the longer you live in the home, the more the interest builds up, which
further lessens the equity you have in the home.
What are my current financial needs?
Everyone, no matter the age, needs to assess their budget and the best ways to effectively manage
their financial needs. The easiest way to do so is by going through last month 's (or any average
month 's) bills. You should include everything you regularly spend money on. Where are the bulk of
your expenses? Do you need to adjust your budget?
CAN I adjust my budget? This will vary from person to person and household to household. There
are many ways to cut down your expenses such as different grocery stores, paring down unused or
unnecessary

Mortgage Vs Reverse Mortgage
You can use a reverse mortgage as a retirement tool. Which is better, a home equity line of credit or
reverse mortgage?
With a line of credit, you borrow money and begin paying it back (with interest) immediately. This
makes sense if your needs are short–term and you have the income to pay it back quickly. But what
if you need the money for a longer period of time? Then you have to be prepared to make regular
monthly payments for some time to come. If you're like many Canadians living on a fixed income,
these extra monthly payments could be too much for your budget to handle over an extended period
of time.
A reverse mortgage is different because you can choose not to make any payments until you decide
to move or sell your home. Instead, the interest simply compounds on the outstanding balance of the
reverse mortgage while the entire value of your home also continues to appreciate. When you sell
your house, you pay off the accumulated amount of the loan and keep the rest. ... Show more content
on Helpwriting.net ...
Reverse mortgages are an excellent way to supplement your income on an ongoing basis. You can
choose to access a fixed amount each month. Or you can take out a lump sum and use it to build an
investment portfolio that will generate extra cash flow.
A reverse mortgage will take either your mortgage–free house or even a house with a small
mortgage and will pay you a tax–free lump sum or an income for the rest of your life – or even a
combination of both.
How Much Can You

Housing And Urban Development 's Home Equity Conversion...
In 2008, 78 million baby boomers will turn age 62 and qualify for a reverse mortgage. These seniors
have 4 trillion dollars in home equity available to them in an illiquid asset, their house. In fact, these
retirees have 50% of their net worth tied up in their homes. Estimates indicate that there is a target
population of some 15 million senior households that both qualify for and are good potential
candidates for the Department of Housing and Urban Development 's home equity conversion
mortgage (HECM)program. The HECM is when a lender advances, a senior age 62 or older and a
current homeowner, money based on the houses equity. The senior homeowner can take the cash as
a monthly payment all at once in a single lump sum of cash, as a ... Show more content on
Helpwriting.net ...
Needless to say if you can be aware of the many factors that play into this decision making it may be
easier for you to objectively look at a reverse mortgage and make a better decision of it 's
effectiveness for you.
The fear of losing the equity in your house. Seniors grew up with the American dream of owning a
house. They spent their lives focused on making their home free and clear of any liens. Paying off
the mortgage was priority number one so it is counter–intuitive to add debt to it. By taking out a
reverse mortgage you would be doing a 360 degree turn and actually be growing a mortgage versus
paying it off. No matter how much sense a reverse mortgage may seem it will not make sense to a
lot of seniors because of how they were financially raised.
Another fear seniors have is the complexity of taking out a Wisconsin reverse mortgage. With the
program being so new and so few taken out there is not a whole lot of information available to
seniors who are looking for more knowledge. For many people the unknown is the worst of all fears
and will cause hesitation in making decisions. That is why HUD requires all seniors to participate in
counseling sessions to ensure they understand reverse mortgages and the process of taking out that
kind of mortgage. The funny thing about that is the well intended counseling will actually scare off
some potential applicants.
A general fear of having flexibility in a seniors retirement years is a concern when

Ocwen Financial Corporation: Internal Weaknesses And...
Internal Weaknesses and Strengths
The following chapter discusses Ocwen Financial Corporation's profile and SWOT analysis. An
examination of the company operations, services and key facts will be provided. A thorough SWOT
analysis for Ocwen Financial Corporation will consist of the company's strengths, weaknesses,
opportunities and threats. In addition, Porter's Five Forces Model and Macro–environment forces
will also be an area of discussion.
Leading. Founded in 1988, Ocwen Financial Corporation (Ocwen) is one of the largest mortgage
companies in America with over 15,000 employees (Helping Homeowners is What We Do, 2017).
In 2008, Willian Erbey served as the Executive Chairman and CEO of the company. William Erbey
built Ocwen Financial into one of the country's largest nonbank mortgage servicers after big banks
retreated from the space during the financial crisis (William Erbey, 2018). One of the main problems
with Mr. Erbey's leadership was that he quickly fell into a position of power that grew so fast to the
point that he was the Chairman of the Board of Directors of Ocwen Financial Corporation and
Altisource ... Show more content on Helpwriting.net ...
Ocwen Financial Corporation went through a rough patch when governmental agencies found out
that the organization was giving incorrect and outdated information to borrowers. The lack of
internal organization and outdated computer systems put the company under independent
monitoring and investigation for two years. "In the course of its review, the Monitor determined that
Ocwen's information technology systems are a patchwork of legacy systems and systems inherited
from acquired companies, many of which are incompatible," (Lane, 2014). Ocwen started working
in creating a more robust compliance and risk teams since 2013. With this new approach, of having
better and efficient control reports, the company is looking for its business units to make sure they
are in compliance with all the regulations needed to provide a better service to

Reverse Mortgage Essay
Reverse mortgages are a revolutionary way of achieving financial freedom while on retirement. It
does not put strain on the individual through payment of costly monthly installments, and provide a
person loved ones with a cushion incase anything goes wrong. It also has lower interest rates.
Despite the fact that it is one of the loan products that fits well for senior citizen, numerous people
do not understand how it works.
This promulgated fact implies the need for HECM counseling.
Eligibility requirement
HECM counseling is a mandatory eligibility requirement when applying for reverse mortgage.
HUD rules and regulations make it compulsory for reverse mortgage applicants to attend counseling
sessions. The counselors are also licensed by the agency. The sessions can proceed on phone,
physically and in case of minors, designated guardians can stand in for them. Once ... Show more
While there are no monthly payments that the applicant is expected to honor, reverse mortgage rules
requires that as part of the process of stay in the house, the debtor must continue honoring other
statutory requirements such as taxation and insurance. Failure to pay up can result to the applicant
being signed up for defaulting, which can be highly detrimental to the financial future of the debtor.
Reliable source of information
The HECM market is highly competitive with lenders making use of all sort of marketing
techniques to win clients to their side. This state of affairs makes information available readily to
loan applicants to be skewed in favor of the organization.
With HECM counseling, nevertheless, an applicant is made fully aware of not only the benefits, but
also the cons as well. They are reminded that reverse mortgage is a loan, which should not be
sought, in case, there are other financial option on

Reverse Mortgage Research Paper
Favorable and Unfavorable "Pointers" of Reverse Mortgage Most of the seniors fix their core focus
on the "reverse mortgages". No doubt, it is a trustworthy resort for the seniors after the retirement.
This aspect will give them the liberty to live freely and without any dependence. The difference is
the rates that are associated with these mortgage options. They sing a different tune. But, don't
bother! There are various firms that give you the best suggestion regarding the reverse mortgage
rates. Find the one and ready to extract the maximum. Acknowledging the right idea about the
appropriate rates, palpate your prerequisites, and then march ahead accordingly. The proper schema
along with the valuable advice will assist you to adopt the ... Show more content on Helpwriting.net
...
Every aspect is linked with good and bad both sides. The reverse mortgages will follow the same
principle. Let us discuss its pros and cons so that you can procure the clearer idea about it, and go
with the right flow. Benefits and Drawbacks of Reverse Mortgages Advantages  The best thing
about the reverse mortgage is that these do not come into the category of any type of "tax". It means
that you will get it in exchange of a part of your property, but won't be considered as the taxable
income.  The second good point is that you can modify its plant at any turn from a line of credit,
cash out, monthly checks or a combo of all. But, it includes certain terms and conditions. If you
need any advice, you can contact the reputable consultant, who offers the worthy reverse mortgage
solutions in California that will assist you to take the right decision.  You have the full right to stay
in a particular home irrespective what is owed on your reverse mortgage. You can enjoy the living in
that house till the time all your real estate's taxes and homeowners' insurance are paid. You can
evaluate on the best mortgage calculator and have the estimate about the value.  You have the
entire freedom to use the money wherever you wish to invest. It solely relies on your

The Issue Of Affirmative Action Essay
Martin Luther King, in his I Have a Dream Speech, states "I look to a day when people will not be
judged by the color of their skin, but by the content of their character" for this reason affirmative
action in higher education admission should be altered for it creates a perpetually racial preference
in admission.
Affirmative action is controversial due it 's issue of whether the generation of today should pay for
the past injustices done to certain ethnicities. It questions the constitutionality of its existence and
whether it perpetuates racial discrimination. Although affirmative action is a great start in promoting
diversity and exposing diverse perspectives in an educational field, it's time to realize its modern
predicaments and visualize how to better progress in terms of admission for the future of the
diversified generations of America. Thus it is vital to address reasons why it should not be
prolonged in order to create better opportunities to those who are at a disadvantaged.
The dilemma of affirmative action is defining equal opportunities especially to those ethnicity who
were historically wronged.The famous U.S landmark case Regents of the University of California v.
Bakke (1978), in which Allan Bakke, a white man, was twice rejected to University of California
Medical School at Davis, ruled that racial quotas "violated the Equal Protection Clause of the 14th
Amendment", however race can serve a part as one of an admission criteria. Today California has
banned

Using Your Reverse Mortgage For Protect Your Home Value
Using your reverse mortgage to protect your home value.
Many consumers have misconceptions about these loans, often leading them to believe that these
mortgages have too many drawbacks and should only be used for extreme financial hardship. Our
articles addressing the myths about reverse mortgages debunk these misconceptions, however there
are benefits to them that most consumers and even industry professionals are not aware of or have
not considered, and at times drawbacks that have not been thought through as well. One such benefit
is the tax planning options outlined earlier. Another is receiving protection from housing volatility.
Yes, it 's actually possible to use a reverse mortgage to protect yourself in part from falling home ...
Show more content on Helpwriting.net ...
Regardless of how much the home lost value, your heirs will never have to pay the shortfall if they
choose to turn the home over to the lender. You still got your cash, and if you have cash left from the
mortgage may leave that to your heirs.
On the flip side, if there is equity in your home and you wish to sell or refinance it you keep the
equity, not the reverse mortgage lender. The same holds true for your heirs who may choose to
refinance the home and keep it or sell it and get its equity if the home value is greater than the
reverse mortgage payoff. In the vast majority of the time the home still has equity remaining when
the borrower passes away. For more information explaining how the equity growth works see "what
will happen to my equity"
So how much protection can you get? Well it 's not a full protection of home value, but it is a partial
one. The loan 's size is determined by location, age of the borrower, and the value of the home. Only
a certain percentage of the home value is lent. Assuming you borrow 60% of the home value the
protection offered is that you won 't lose more than 40% of the home 's value at the time you take
out the reverse mortgage. Basically the loan to value of your loan dictates how much protection you
have.
So what conditions apply? First, if you owe more on the home than its worth and you wish to move
you would have some issues to deal with. If the sale proceeds don 't cover the loan balance you will
have no obligation to pay the

Affirmative Action Essay
The purpose of affirmative action is to ensure equal opportunity for minorities. But it has strayed
from its original intent and has become largely a program to achieve not equal opportunity but equal
results. It is a system of quotas forced upon American businesses and working class by the federal
government. A law which forces people to look at race before looking at the individual cannot
promote equal opportunity. Affirmative action continues the judgement of minorities by race; it
causes reverse discrimination, and contradicts its purpose.
Affirmative action is not creating a colorblind society. In fact it continues the judgement of
minorities according to race. Affirmative action forces employers and ... Show more content on
Helpwriting.net ...
When a minority is turned down because of the color of their skin, it is unconstitutional. But when a
white person is turned down because they are white, it is called equal opportunity. There is no
excuse for anyone to be judged by something as trivial as race. There should not be a double
standard.
The third major reason why affirmative action should not exist is that it completely contradicts its
purpose. Its purpose is to create a colorblind society. But in reality, it forces people to look at race by
mandating quotas. The thinking behind affirmative action is to eliminate racism, we must first take
race into account. Yet this causes a judgmental atmosphere in which many people feel cheated
because the focus has been taken off the individual and placed everyone into groups based on race
and gender.
It is illegal for the government to require quotas as well. Therefore affirmative action is
unconstitutional and should be illegal.
Affirmative action is also taking the focus off the individual. That is why Florida governor, Jeb
Bush, has banned race and gender preference with his "One Florida" plan which will end affirmative
action. The plan also guarantees that every student within the top 20% is guaranteed admission into
college.
Seldom has a democratic government's policy so completely contradicted the core values of its
citizenry

Essay on Amnesia in Memento Directed by Christopher Nash
The film, Memento, tells a multidimensional story about a man, Leonard Shelby, who suffers from
short–term memory loss illness, anterograde amnesia. He is impaired by this medical issue due to
being hit on the head when defending his wife, who was attacked and raped in their house during the
middle of the night. He kills one of the invaders during the attack. With inability to form new
memories, one of the last things Leonard remembers is seeing his wife, die. He then devotes his life
to finding and killing the second attacker. However, Leonard, being unable to store and remember
new memories, develops a technique to help him recall what has already happened in his life post
head trauma. He does this by using hand–written notes, tattoos, ... Show more content on
Helpwriting.net ...
The movie switches back and forth between various series of color and black and white sequences.
The black and white scenes illustrate the story in chronological order; whereas the scenes in color
continue in reverse chronological order, demonstrating the use of flashbacks. However, the opening
credits unfolds a scene of Leonard killing Teddy, who is a claimed and assumed, but unproven
police officer, assigned to the rape of Catherine Shelby, Leonard's wife. He is also an acquaintance
of Leonard, who attempted to assist him in his determined search for his wife's killer. Although, the
audience realizes this beginning scene actually exposes the end of the conclusion of the story. The
black and white sequential scenes and the reversal color scenes alternate awaiting the conclusion of
the film where they meet in the middle of the story.
Director and screenwriter, Christopher Nolan, portrays the movie's protagonist, Leonard Shelby, as a
flawed hero tries to find some justice in an unfair world, as wrong was done onto him with the rape
and murder of his wife. This neo–noir thematic device is displayed through Leonard, as he is, at
heart, a genuinely good person, despite making questionably moral decisions, in this case to naivety
and gullibility due to his mental incapability. Suffering anterograde amnesia, the death of his wife is
a fresh,

Essay On Reverse Mortgage
What Every Senior Should Know About Reverse Mortgage
When a family purchases a home, they generally do so as an investment in their future. The home
gives them a place to raise their children and offers stability to the family. The typical mortgage term
today is 30 years, which means that most people are in their 50s or even 60s when their home is
finally paid off. Ideally, this puts an older person in a better financial situation. They no longer have
the mortgage to pay every month and many are still in the prime years of their careers.
Unfortunately, this isn't the case for everyone. For older adults who struggle to cover their monthly
expenses, even without a mortgage payment, a Reverse Mortgage through the Federal Housing
Administration's HECM program might be a good option.
What Are Reverse Mortgages? ... Show more content on Helpwriting.net ...
As long as the owner or an eligible spouse lives in the home, the loan does not need to be repaid.
This offers a significant advantage for seniors who want to remain in their home but can't afford
their daily living expenses. Instead of selling the property and moving to a smaller house or even
living with family members, seniors who choose this option instead of a home equity loan don't
have to worry about losing their house if they can't make their payments. Although many people use
these loans to cover living expenses, there are no income requirements for reverse

Reverse Mortgage
We often have to make some tough decisions, as we get older every day. If you are caring for an
elderly relative, the choice of whether to move them to a care home is a difficult one. Emotions at
this time are likely to be running high. But there is an alternative that not many people realize. Your
relative could sell your own home with the help of a reverse mortgage.
Can Seniors Sell Their Home After Getting a Reverse Mortgage?
When it comes to selling one's home after taking a reverse mortgage, many seniors find much of the
available reverse mortgage information confusing. The fact is seniors can choose to sell their homes
at any time, but they should be aware that doing so will make their loan due. To get the most from
the investment, ... Show more content on Helpwriting.net ...
Reverse mortgages become due once all borrowers named on loan die. If there are two borrowers,
both individuals must pass away before their lender can require repayment.
Since the borrowers would not be in a position to repay the loan themselves, the responsibility
would be handed down to their heirs. In this case, the borrowers' heirs would have three main
choices: sign the deed over to the bank, sell the home, or refinance the loan. If the balance of the
loan exceeds the home value, heirs could avoid the responsibility of selling the house by signing the
residence over to the lender.
If the home is worth more than the loan balance, heirs will benefit more from selling the house
themselves. As long as the individuals make a reasonable effort to sell the home, the lender should
give them 12 months to find a buyer. Once the house is sold, the lender will be repaid, and the
borrowers' heirs will keep any remaining funds. It is, however, essential to understanding that the
lender will expect the home to be sold for its appraised value. If the selling price is much lower than
the estimated cost, the lender might require additional payment. It keeps people from taking
advantage of lenders by selling homes to family or friends at much–discounted

Essay on Affirmative Action is Discrimination
Affirmative action is wrong and will not help solve the problems minorities face. The reason it is
wrong is because it's discrimination. It has no place in today's society in today's society because it
does more bad than good. In addition to that most people don't enjoy the presence of affirmative
action. Also, it appears that affirmative action can actually be detrimental to employees health.
First of all, affirmative action is discrimination, there is no hiding it. When an employer hires
anyone because he or she is a minority, even if someone else if more qualified to do ... Show more
Obviously, affirmative action is allowing undereducated citizens to get into college when the people
that are qualified

Oklahoma City Office Case Study
Arbor's Oklahoma City Office Originates Nearly $30 Million in Loans
Arbor Commercial Mortgage, LLC ("Arbor"), national direct commercial real estate lender,
announced in November that it funded six loans totaling nearly $30 million. Under the Fannie Mae
DUS Small Loan, Freddie Mac Small Balance Loan, and FHA 223(f) programs, the mortgage
company was able to secure the funding across multiple cities in Michigan –– with Vice President
Mike Jehle of Arbor's Oklahoma City office originating the loans.
Said Jehle, "Arbor has the nationwide expertise that is required to meet borrower demands no matter
where they do business, including the growing multifamily markets found throughout the country."
This comes after news of Arbor's hundreds of millions ... Show more content on Helpwriting.net ...
The multifamily properties funded locations, funding, and amortization schedules are listed below:
Aspen Lakes Estates Apartments, Holt, MI
213–unit multifamily property
$20,400,000 funded under the FHA 223(f) Loan product line
35–year refinance loan amortizes on a 35–year schedule.
Oakwood Villa Apartments, Royal Oak, MI
$2,700,000 funded under the Fannie Mae DUS Small Loan product line
20–year refinance loan amortizes on a 20–year schedule.
Garfield Park Apartments, Fraser, MI
$2,250,000 funded under the Freddie Mac Small Balance Loan product line
Seven– year refinance loan amortizes on a 30–year schedule.
Danbury Apartments, Grand Rapids, MI
66–unit multifamily property received $1,905,000 funded under the Freddie Mac Small Balance
Loan
20–year acquisition loan amortizes on a 30–year schedule.
North Park Cooperative, Detroit, MI
$1,600,000 funded under the Fannie Mae Small Loan product line
10–year acquisition loan amortizes on a 10–year

Advantages And Disadvantages Of Reverse Mortgage
What Is Reverse Mortgage
Although there are many mortgage options now being offered to potential homebuyers, one that has
received a lot of attention is the reverse mortgage. The United States Department of Housing and
Urban Development, also known as HUD, is currently being inundated with questions with a large
number of people asking "what is reverse mortgage?"
In answer to "what is reverse mortgage", this is actually a private type of loan but one that is insured
by the federal government. What makes a reverse mortgage unique is that a portion of the equity in
the home is converted to cash, which can then be used by the homeowner in whatever way they see
fit. Because qualifications and restrictions are associated with a reverse mortgage, it is used by the
elderly, many times as a means of financial security.
With this particular type of mortgage, the ... Show more content on Helpwriting.net ...
Some people view a reverse mortgage as a godsend while others see it as a potential risk. The best
advice is to learn all you can so any decision is an educated decision.
Advantages
One of the primary benefits linked to a reverse mortgage is that the homeowner is allowed to use the
home's equity for numerous things. For example, the money could be used to travel, make updates
on the home, and pay off medical bills, or send a grandchild to college, and so on. However, in
trying to manage bills during later years, many homeowners use reverse mortgage funds to
supplement a retirement account, savings, or Social Security income.
Another advantage of a reverse mortgage is that all the money being taken out against the equity is
completely tax free and, there are zero restrictions on income. This means if the homeowner is
bringing in only a small amount of money each month on which to live, or has no income at all, he
or she would still qualify to use money from the

Motivation Over Money
In the cultural stirring pot that is America, ethnicities are extremely diverse, sometimes causing
tensions between the races. Some were wronged in the past while others were given help to succeed,
and now it is the country's desire to make life more equal. The way the government tries to do this is
by putting in effect Affirmative Action. This policy gives preference to races that were historically
harmed and therefore stunted in ability to make more of their lives now. These minorities are given
first choice in places such as the workplace or in educational institutions in order to make them
more culturally diverse. In the comparison of two opposing views on the issue, I agree with the view
that does not condone Affirmative Action.
I agree with the article "The Case against Affirmative Action," written by Louis Pojman, for I
believe the program is morally unjust. I understand the attempt it is making to make up for
mistreatment in the past, but I don't believe this type of opportunity compensation will solve the
problem. By giving preference to ethnicities who were not given preference in the past, society must
again lower a group's worth, this time the majority group. We have learned from our past and do all
we can to make society equal, and over time, by society's behavior and mentality, the equality will
exist fully.
If the issue is about the previously excluded race not having the same opportunities, then I think we
need to give them the chance to earn it. Even then,

Reverse Mortgage Research Paper
3 Things To Know About Getting A Reverse Mortgage
If you're near retirement age, you might be looking into information about a reverse mortgage on
your home. A reverse mortgage allows you to get the equity out of your home so you have extra
funds for retirement, and the benefit is that you can continue living in your home. Here are a few
things you may want to know.
You May Need To Attend Counseling Sessions First
Your lender may require you to take counseling before you apply for a reverse mortgage. This is an
important step because it helps you understand exactly what happens and what your rights are. The
reverse mortgage could affect the rest of your life and the inheritance of your heirs, so knowing how
it works is important. Plus, a counselor can plug in your personal financial details and help you
decide on the best way to take the money out of your house. You'll also learn about things that could
put your mortage in jeopardy such as moving to a different address, not paying insurance, and not
keeping up with repairs.
A Reverse Mortgage May Be Reversible ... Show more content on Helpwriting.net ...
You might also be able to reverse the mortgage later if you decide you want to move or other life
situations arise. To do that, you'll need to pay back the reverse mortgage. You might need to sell the
house to get the money if you don't have cash in the bank to buy it back. Ideally, you'll enter into a
reverse mortgage with the plan to live in the house until you pass away. However, if you take out a
reverse mortgage early in your retirement, you may decide in 10 or 15 years that you want to move
or you may no longer be able to keep up with maintenance. Knowing you can pay off the mortgage
and reverse it might make you feel safer about obtaining a reverse mortgage, but you'll want to
discuss this option with the loan counselor and

The Commonwealth Bank Of Australia
The Commonwealth Bank of Australia was founded by the Commonwealth Bank Act on December
22, 1911, introduced by the Andrew Fisher Labor Government, Which favored bank nationalization.
In a rare move for the time, the bank was to have both savings and general bank business. The
commonwealth bank of Australia is an Australian multinational bank with businesses across New
Zealand, Fiji, Asia, USA and the United Kingdom. Commonly referred to as the commonwealth
bank or commbank, it provides a variety of financial services including retail, business and
institutional banking, funds management, superannuation, insurance, investment and broking
services. The Commonwealth Bank is the largest Australian listed company on the Australian
Securities Exchange as of December 2014 with brands including Bankwest, Colonial First State
Investments Limited, ASB Bank INew Zealand), Commonwealth Securities Limited (CommSec)
and Commonwealth Insurance Limited (CommInsure).
En.m.wikipedia.org
A Reverse mortgage is a home loan that provides cash payments based on home equity.
Homeowners normally defer payment of the loan until they die, sell or move out of the home. Upon
the death of homeowners, their heirs either give up ownership to the home or must refinance the
home to purchase the title from the reverse mortgage company. Specific rules for reverse mortgage
transactions vary depending on the laws of the jurisdiction.
Reverse mortgages are available in Australia. However, there is little

Would There Be Entropy Synonymous To The Reversal Of Time?
Let's suppose that we existed in a universe in which the decrease of entropy was a much more
common phenomenon. If we were to drop a glass in this universe, and the glass were to
spontaneously reassemble and rise onto the counter, would this decrease in entropy be considered
reversing time simply because the glass has returned to its original state? More generally, is the
reversal of entropy synonymous to the reversal of time?
To address this question, some may argue that there could exist a pocket in space where entropy
decreases rather than increases. As soon as one entered the pocket, entropy would decrease, which
means that actions taken would begin to reverse. One would start to do what they had just done, but
in reverse order. So, for example, if I had just taken a sip of coffee, the coffee would travel up my
esophagus, back into the cup, and I would place the cup back onto the counter, as if I had never
taken a sip. First and foremost, the glaring paradox in this scenario is that at one point in one's life,
they must have entered the pocket, and because entropy is decreasing, causing reversal of actions,
they would soon exit it and return to the normal world, at which point they would return to aging
and moving ... Show more content on Helpwriting.net ...
No, is my answer. If one believes that the reversal of entropy is synonymous to the reversal of time,
they probably hold a relationist view of time. The relationist view of time asserts that time and
change are one that the same, and cannot be differentiated. STANFORD The opposing view to this
position is the "absolutism view of time." This position, which I intend to demonstrate during the
following arguments, asserts that time and events are independent of one

The Downfall Of Affirmative Action
Downfall of Affirmative Action Many colleges in United States are composed of an ethnically
diverse student body. One of the reasons why the student body is full of diversity is because of the
Affirmative Action. It is the policy that gives a special incentives to minorities and women to help
promote diversity in school. Though it is a great idea to promote diversity in every college in United
States, it is also a bad idea to continue this system. Many "A" students who are not minorities tend
to get the same treatment as the "B" students who are minorities. Although accepted into school,
these students who barely met the minimum criteria may have a tougher time at school because they
may not be able to keep up with the pace of the classes since the schools have high expectations of
its students. Furthermore, students who have worked hard to get good grades might be overlooked
because the students who have lower grades will be accepted simply to fulfill the quota. Although
promoting affirmative action is a great idea to seek diversity through different views from many
different ethnicities, it will also take away people's hard work, as well as producing more drop out
students since they cannot keep up with what the university is expecting from them. Therefore, it is
not morally justifiable or socially beneficial for the students since they may have a lower chance of
succeeding at school. Affirmative action will treat the majority students the same way as the
minority

The Success Of The Baby Boom Generation
The Baby–Boom generation is nearing retirement and it is clear that millions of aging Boomers are
financially under prepared. Reasons are many – poor savings habits, rising medical costs, the demise
of guaranteed corporate pensions, and the dreaded squeeze faced by many: i.e. having to pay college
costs for their children, care for their elderly parents, and save for retirement, all at the same time.
The outlook is not entirely bleak, however. One bright spot that may help Baby–Boomers achieve
secure a retirement is the record high–level of home ownership and the related growth in home
equity. Home equity, the difference between debt owed on a home loan and the value of a home,
accounts for at least fifty percent of net wealth for more ... Show more content on Helpwriting.net ...
This strategy makes even more sense when you consider that maintenance costs and the headaches
of a large family–home are done away with for the retiree. Yet emotional attachment to a home is
strong and we all know retirees who simply refuse to move from the home they have lived in for so
many years.
2. Reverse Mortgage – Retirees remaining in their homes can still tap their home equity as a source
of retirement income. An entire industry has grown up around the "reverse mortgage" concept which
allows seniors over 62 to tap into their home 's value without making any repayments during their
lifetime. A reverse mortgage (also known as a HECM – Home Equity Conversion Mortgage)
requires no monthly payment. The payment stream is "reversed": instead of making monthly
payments to a lender, a lender makes payments to you, typically for the remainder of your life, if
you continue to reside in the home.
Origination fees and closing costs for reverse mortgages are high. Some people try to avoid these
fees by instead borrowing against their home equity for retirement living expenses with a regular
home equity loan or home equity line of credit (HELOC). However, this is not always a smart
strategy. The reason is that with either a conventional home equity loan or a HELOC loan, you will
have to make regular monthly payments that may be at a higher interest rate than can be earned on
the loan proceeds without undue risk. Also,

Is Aging in Place Priceless? Essay
The meaning of home to older adults transcends the financial and physical qualities of the brick and
mortar. Gillsjo, Schwartz–Bardot, & Von Post (2011) suggested that "home was experienced as the
place the older adult could not imagine living without, but also as the place one might be forced to
leave" (p. 2). Notwithstanding an American Association of Retired Persons (AARP) survey (2010)
which showed that the "majority of older adults polled preferred to age in place" (p. 1), the dilemma
for many seniors is how to do so when faced with deteriorating housing conditions and "insufficient
resources in retirement" (Neil & Neil, 2009, p. 53). In an effort to supplement inadequate retirement
incomes, some seniors have capitalized on the ... Show more content on Helpwriting.net ...
Assistance is provided to an eligible homeowner in the form of a grant or a low–interest loan by a
local government agency under the provisions of the HOME Investments Partnership Program
(1996). While the overall intent of this program is admirable, the reality is that the objective
measurement used to assess the scope of the proposed rehabilitation project is governed by the
HOME Program, which defers to HUD's Housing Quality Standards (HQS) for compliance,
according to Thombs, (personal communication, March 23, 2011). To that end, HQS (1995) requires
that the proposed rehabilitation must also address such issues as lead–based paint for homes built
before 1978, as cited in 24 C.F.R pt. 982.401, adding thousands of dollars to a repair project,
according to Thombs, (personal communication, March 23, 2011). Simply put, the elderly
homeowner may have applied for assistance to repair a leaky roof, or to replace an inoperable
heating unit, but because federal HOME dollars are being used, the property must adhere to HQS
standards, according to Thombs, (personal communication, March 23, 2011). In addition, the
rehabilitation

Reverse Mortgages : An Era Of Near Zero Interest Rates On...
Reverse mortgages are gaining in popularity, as many senior citizens stretch for creative ways to
maintain their living standards in an era of near zero interest rates on savings instruments. There's
good and bad in regard to reverse mortgages, and you need to consider both sides before applying
for one.
How Reverse Mortgages Work
Reverse mortgages are so–called because they reverse the way mortgages traditionally work. Instead
of making payments to the mortgage company, the lender makes payments to you. And while
receiving monthly payments are an option, you can also take all of your cash in a lump sum, similar
to a cash–out refinance. You can also take the loan as a home equity line, allowing you to access it
any time you have a need. ... Show more content on Helpwriting.net ...
However the older you are, the higher the percentage of the property value can be taken in the loan.
There's one important feature of reverse mortgages that everyone should be aware of before
applying for one. Since you are not making monthly payments on the loan, the interest on the loan
will be added to the principal each month. Unlike a traditional mortgage, where you make your
monthly payment that includes both interest on the loan and at least a small reduction in the
principal balance, with a reverse mortgage the amount of the loan increases the longer that it is
outstanding.
This is also why loan amounts are larger the older that you are when you apply. Since an older
applicant is not expected to live as long as a younger one, the interest accumulation is expected to be
smaller. This allows a loan to an older person to be higher, sometimes much higher, than for a
younger borrower.
The loan is due when the last borrower dies, or when the borrowers move out of the property into a
new primary residence. At that point the loan either has to be refinanced or paid off, otherwise the
lender can foreclose on the property. Fortunately, if the house sells for less than the amount of the
loan owed, neither the borrower nor the borrower's estate will be required to pay the difference.
The Good Side of Reverse Mortgages
Reverse mortgages have become very popular and it 's easy to see why.

A Note On Reverse Mortgage
A reverse mortgage gives you the benefit of staying in their home. However, if you have a reverse
mortgage then you give up the option of selling your home or getting a home loan. The equity in
your home now belongs to the bank. Is a reverse mortgage the best option for the equity in your
property? The major benefit is the ability to take money out of your home in either one full payment
or monthly payments. Moreover, you will be able to remain living in your home, (Sheedy, 2013).
Given that the fees for the reverse mortgage are rational and the company you work with is
reputable, a reverse mortgage is a good way to get money out of your home without having to resort
to getting a home loan. The fees for a reverse home loan can be very ... Show more content on
Helpwriting.net ...
A reverse home loan is one of numerous cash flow sources for people who own and have equity in
their own home. The major motivation is to help homeowners (usually older borrowers who may be
retired) who want to receive a cash flow from the equity in their home. For these homeowners a
reverse mortgage is the best way of achieving their goal. More details are supplied below. Reverse
mortgages are designed for senior homeowners who want to convert their home equity into cash.
Fannie Mae, for instance, offers two types of reverse mortgages for senior borrowers. The Home
Keeper Mortgage is an adjustable–rate conventional reverse mortgage for borrowers who are at least
62 years of age, and who either own the home outright or have a low amount of unpaid principal
balance, (Sheedy, 2013).The other type of reverse mortgage, Home Keeper for Home Purchase,
enables senior borrowers to buy a new home with a combination of personal funds and a calculated
amount of reverse mortgage that is based upon the borrower's age, number of borrowers, the
adjusted property value, and the equity share option chosen. Currently the United States is in the
midst of the worst global financial crisis of the 2l century, which traced its origins to the sub–prime
mortgage disaster that began to unravel in 2007. The shocks of global crisis are devastating:
homeowners filed for bankruptcies and faced foreclosures in record high numbers, leading Wall
Street firms such as Bear Sterns and

The Causative Agent Of Acquired Immune Deficiency Syndrome...
Introduction
Human Immunodeficiency Virus, HIV, is the causative agent of Acquired Immune Deficiency
Syndrome (AIDS). Currently, there are two types of HIV isolated, HIV–1 and HIV–2, which are
both retroviruses and able to perform reverse transcriptase (Leboffe 2011). While HIV–1 is spread
throughout the world, HIV–2 is confined to West Africa and is better protective against the
progression to AIDS. Genome of HIV–1 only contains nine genes. It is transmitted by body fluids
such as blood, breast milk, semen, and vaginal secretions. Its mode of transmission is via
contaminated blood either by, IV drug use, sexual transmission, mother to child, blood transfusion
or occupational risk. It infects 34 million people in a year worldwide, with approximately 1.8
million death. In the United States, the population infected with HIV is approximately 1.2 million
people and one out of five people are unaware of the infection. Human Immunodeficiency Virus is
the causative agent of HIV disease. It is 9.3 Kb positive sense RNA virus and 100 nm in diameter.
HIV has no animal reservoirs and only infects humans (Leboffe 2011).
History
The origin of HIV–1 is a closely related chimpanzee virus that first infected humans in Central
Africa in a first half of the 20th century (Cachay 2016). Some of the events that together made up
rapidly enlarging and increasingly interconnected pools for transmission of pathogens during 1960–
1970 were blood product industries, IV drug use, the sexual

Human Immunodeficiency Virus ( Hiv )
Human immunodeficiency virus (HIV) is a virus that alters the immune system, making the
population with HIV vulnerable to infections and diseases. HIV can be found in the body fluids of
an infected person. The virus is passed from one person to another through blood–to–blood and
sexual contact. HIV can be transmitted in many ways, such as vaginal, oral sex, anal sex, blood
transfusion, and contaminated needles. Patients with HIV cannot clear to virus out of their bodies
like most other viruses do. Once a patient is diagnosed with HIV, he will have it for life. According
to the Center for Disease Control and Prevention (2015), HIV can stay in the body for a long time
and attack ones T–cells or CD4 cells, which are the cells that are needed ... Show more content on
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Due to the growing spread of this disease, steps should be taken to prevent contracting the virus.
Steps such as abstinence, selecting partners with low previous sexual partners, use of condoms, and
receiving education about the topic. Education is very important, there were about 1.2 million
people in the United States were living with HIV at the end of 2011, the most recent year this
information was available. Of those people, about 12.8% do not know they are infected (Center for
Disease Control and Prevention, 2015) Goldman, Juday, Seekins, Linthicum, & Romley, (2014)
state that in recent years, guidelines for HIV treatment have recommended initiation of combination
antiretroviral therapy (cART) earlier in the course of the disease than was previously noted. They
used an epidemiological model of this disease transmission and progression to assess HIV
prevention through early initiation of cART. It was estimated that the actual timing of treatment
initiation in the United States prevented 188,000 AIDS cases that would have lead to HIV cases in
the period 1996–2009. "Very early" treatment (at CD4 counts greater than 500) accounted for four–
fifths of the prevented cases. For all of the prevented cases, the losses in life expectancy that were
avoided were worth $128 billion, assuming that a life–year has a value of $150,000. These findings
underscore the cost–effectiveness of early HIV

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