Friday, September 28, 2012

Thankou

We are ready to represent the best custom paper writing assistance that can cope with any task like Thankou even at the eleventh hour. The matter is that we posses the greatest base of expert writers. Our staff of freelance writers includes approximately 300 experienced writers are at your disposal all year round. They are striving to provide the best ever services to the most desperate students that have already lost the hope for academic success. We offer the range of the most widely required, however, not recommended for college use papers. It is advisable to use our examples like Thankou in learning at public-education level. Get prepared and be smart with our best essay samples cheap and fast! Get in touch and we will write excellent custom coursework or essay especially for you.



tabridegroom replies on behalf of himself and his bride, taking the opportunity to thank his parents for there love and care during his youth, for the start they gave him in life, and for their good wishes for his future and that of his wife. He will also take this opportunity on behalf of his wife and himself to thank all those present for their gifts.

Some one once wrote that a successful marriage requires falling in love many times, always with the same person. Jolie, I’ve fallen for you many times already, and I can see myself doing it many times yet.

Some one once write that a good marriage is at least 80 percent good luck in finding the right person at the right time. The rest is trust. On that basis I would say we are 100% ready for this.

Some one once said laughter is the shortest distance between two people. Well, Jolie and I laugh together an awful lot, and that means a lot, I think




Some one once wrote that a successful marriage requires falling in love many times, always with the same person. Jolie, I’ve fallen for you many times already, and I can see myself doing it many times yet.

SAMPLE 1 BROTHER

It’s an honor to be here, celebrating the wedding of my brother Larry to his favorite hiking partner, Alice. If you have gotten this far with only a few bruises and a bad case of sunburn, then many of your friends and family here would say that you have happy trails ahead. Others would say, “It’s all downhill, jump off a cliff!”

The Upper HandSubmitted by Cheryl Gabiola Galvez, Editor of Bliss!™The following tidbit began a wonderful and personal toast to the bride and groom from the brides brother John, take Emilys hand and place your hand over hers. Now, remember this moment and cherish it... because this will be the last time youll ever have the upper hand!





Mind that the sample papers like Thankou presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!

Thursday, September 27, 2012

Impact of Financial Crisis on Domestic Mortgage Loan Market

We are ready to represent the best custom paper writing assistance that can cope with any task like Impact of Financial Crisis on Domestic Mortgage Loan Market even at the eleventh hour. The matter is that we posses the greatest base of expert writers. Our staff of freelance writers includes approximately 300 experienced writers are at your disposal all year round. They are striving to provide the best ever services to the most desperate students that have already lost the hope for academic success. We offer the range of the most widely required, however, not recommended for college use papers. It is advisable to use our examples like Impact of Financial Crisis on Domestic Mortgage Loan Market in learning at public-education level. Get prepared and be smart with our best essay samples cheap and fast! Get in touch and we will write excellent custom coursework or essay especially for you.



Content

1. Introduction P.1

. Background P.

a. Pre- Crisis Situation




�{ The Demand and Supply In The Property Market

�{ Residential Property Prices

�{ Interest Rate

b. After Crisis Situation

�{ The Demand and Supply In The Property Market

�{ Residential Property Prices

. Effect of Asia Financial Crisis P.

4. Interest Rate Change P.

5. Bank¡¦s Strategy P.

6. Future Expectation P.

7. Reference P.

Background

Pre- crisis situation

The Demand and Supply In The Property Market

There was the shortage of residential quarters to accommodate Hong Kong¡¦s households throughout the 180s. Between 181 and 186, the gap between residential quarters and the number of households exceeded 00,000 each year. According to the 181 population census and the 186 by-census, the number of households sharing one residential unit was 1.4 and 1.4 respectively in the private sector.

However, the gap was largely closed in the 10s with the steady supply of residential properties and slow population growth. Between 11 and 16, there are basically no shortages of quarters, and the quarter-sharing ratio fell to 1.0 in 16. Since the generic shortage in residential quarters is no longer prevalent, supply alone will no longer dominate the future course of the property market. Factors affecting demand are equally important.

Until 00, Hong Kong residential of demand is greatly less than supply. Because Hong Kong has faced a serious problem of ¡§negative equity¡¨ is continuously increasing after Asia Financial Crisis in 17. Moreover, the SAR Government mrelease ¡§8.5 million housing policy¡¨ to make public rental housing exceeding supply. Owner-occupiers think that apply the public rental housing is the best strategy to own housing. Furthermore, according to the Census and Statistics Department the number of households sharing residential ratio fell to 1.05 in the private sector in 000. The above factors effecting owner-occupiers are lack of capital and lack of confidence to invest in the property market.

Residential Property Prices

In the property market boom that started in 185 and which lasted until 17, residential property prices had surged some eightfold. The market¡¦s stellar performance was attributed to a combination of many special factors, including the 50-hectare land sale restriction, rapidly rising household incomes as Hong Kong benefited form mainland China¡¦s opening up, and the negative real interest rates in the early 10s.

types of buyers are active in the property market in the past two decades, furnishing the price increase momentum. They are owner-occupiers, property investors and not least of all, the property speculators. Speculation has been a major force behind the local property market. Speculative activities can be discerned through indicators such as the number of confirmer transactions and the volume and prices of the ballot papers offering a buying right for uncompleted units. With huge financial resources, speculators have the ability to push up prices substantially in a very short period of time.

The nature of the property market only allows speculators to take a long position. The faster property prices climb, the more speculators would enter the market reaping the windfall profits, but not vice versa. Therefore, the rise in property prices and their subsequent sideways destabilization in 11 to 17 make much room for the speculators to maneuver, and speculative activities swell sharply as a result.



Mind that the sample papers like Impact of Financial Crisis on Domestic Mortgage Loan Market presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!

Co-Cultural Communications Challenges

We are ready to represent the best custom paper writing assistance that can cope with any task like Co-Cultural Communications Challenges even at the eleventh hour. The matter is that we posses the greatest base of expert writers. Our staff of freelance writers includes approximately 300 experienced writers are at your disposal all year round. They are striving to provide the best ever services to the most desperate students that have already lost the hope for academic success. We offer the range of the most widely required, however, not recommended for college use papers. It is advisable to use our examples like Co-Cultural Communications Challenges in learning at public-education level. Get prepared and be smart with our best essay samples cheap and fast! Get in touch and we will write excellent custom coursework or essay especially for you.



Co-Cultural Communication Challenges

Respecting diversity is a sign of equality. But, to respect diversity, one must understand the terminology behind it. The typical stereotype of diversity is not just being different, but actually encompasses educational background, life differences, and cultures. In reality, diversity is simply a point or respect in which things differ. Instead, minority deals with ethnic, racial, religious, or other groups having a distinctive presence within a society. By clarifying the meaning of those two terms, then one can understand co-cultural communication. Culture is often the root of communication challenges. Culture can be defined as a system of shared of values, beliefs, customs, and behaviors. Also, culture is a group or community with which we share common experiences that shape the way we understand the world. In Texas we have a number of co-cultures (see Exhibit A). Co-cultures is defined as a group whose beliefs or behaviors distinguish it from the larger culture of which it is a part and with which it shares numerous similarities. Similarities include language, religion, economics, age, gender, and sexual orientation.

There are six fundamental patterns of co-cultural differences. These include different communication styles, different attitudes toward conflict, different approaches to completing tasks, different decision-making styles, different attitudes toward disclosure, and different approaches to knowing. Because America is the most diverse nation in the world, it is important to understand the different communication styles within the co-cultures in order to accept and respect what makes each of us unique.

The need to communicate is universal. Most misunderstandings among people result from different co-cultural experiences. Most of us desire to communicate effectively, but do not have a keen appreciation of the barriers to be faced. Because of these barriers, there is ample opportunity for something to go wrong in any communication. Effective communication is difficult under the best of conditions. Four specific problems related to language difficulties that typically arise in co-cultural communication include semantics, word connotations, tonal differences, and different perceptions.




Webster defines semantics as “the meaning or relationship of meanings of a sign or set of signs; connotative meaning; the language used (as in advertising or political propaganda) to achieve a desired effect on an audience especially through the use of words with novel or dual meanings.” Simply put, almost every commonly used word has more than one meaning. Also, words have regional meanings or derive new meanings as a result of the development of new industries or fields. The meaning conveyed by the senders words depends upon the experience and attitude of the receiver. Therefore, one way to penetrate the semantic communication barrier is for the sender to strive to speak or write in terms of the receivers experience and attitude.

Combined with semantics, word connotation is a common communication barrier. Word connotation is a word’s association with social attitude, evaluation, emotional affect, etc. Words often have essentially the same denotation, but different connotations. The dictionary definition is known as a denotation. The attached meaning a receiver might associate with a word is known as a connotation. For example, the boss wants an employee to pick up a cheap calculator. Now, does the employee define that word as inexpensive or poorly made? When sending a message, analyze the words to determine what connotation a receiver might attach.

Also, tonal differences can be a barrier in the communication process. Tonal differences include accent and dialect, pronunciation, fluency, emotion, etc. In American English, nonstandard dialects exist within all racial, ethnic and regional groups. Each dialect is a product of distinct social, historical, cultural and educational factors. All are legitimate in that they represent the concepts, needs and intentions of their speakers.

Finally, an individual’s perceptions have an effect on the communication process. Perception is a three-phase process of selecting, organizing and interpreting information. Perceptual biases occur when people react to stimuli in the environment in very different ways. We each have shortcuts that we use to organize data. Invariably, these shortcuts introduce some biases into communication. Some of these shortcuts include stereotyping, projection, and self-fulfilling prophecies. Stereotyping is one of the most common. This is when we assume that the other person has certain characteristics based on the group to which they belong without validating that they in fact have these characteristics. Effective communication requires deciphering the basic values, motives, aspirations, and assumptions that operate across geographical lines. Given some dramatic differences across cultures in approaches to such areas as time, space, and privacy, the opportunities for miscommunication while we are in cross-cultural situations are plentiful.

In both todays markets place and at home, the challenge to be open minded and put aside prejudice and stereotypes are more of a challenge then ever. The crisis in the Middle East has brought prejudice back to the national forefront. Many Americans look at people with Middle-Eastern features and assume they are terrorist. Without any provocation or prompting an act of prejudice or stereotyping can happen. An American Airlines captain put a middle easterner off the aircraft soon after the September 11th tragedy. The gentleman had not done anything wrong. He had passed all the heighten security checks, and he had a paid in fully ticket. Because of the Captains prejudice or stereotyping the middle-eastern gentleman was delayed and humiliated. There are many other cases like this since the September 11th tragedy. We as Americans must look for ways to better understand the various cultures that make up or country, and rise above these acts of prejudice and stereotyping.

Learning how to live and work in a co-cultural society comes in many forms and facets. It can start as early as school age children. In many schools, co-cultural menus are starting to flourish. Some schools whose population is a particular ethnicity are attempting to provide more ”American” food. Lyons Township HS, North Campus, La Grange, IL, has tried fusion cooking to support the schools diversity program. The school adopts a culture each month then provides entr�e’s, main courses and soups from that culture. This gives the students a look at the co-cultures that make up their school, their neighborhoods and their towns.

At Yeshiva Ohr Torah School in Manhattan, the 400 plus students are all of the Jewish religion. The school in trying to teach both how co-cultures make up their city, along with keeping to their strict Kosher diets. The school does this by making kid favorites like pizza, but ensuring the ingredients are made within the kosher requirements. The milk for the cheese is made to kosher specifications. Only plain cheese and vegetables are used with kosher seasoning. Soy products are made to look and taste like pepperoni and sausage. All this is so the children of the strict Jewish discipline can adhere to their beliefs, but learn about others.

Learning about co-cultures is also something big business is doing today. Take Kmart for instance. They have created a position of the chief officer of diversity. Her name is Randy Allen and she reports directly to Kmarts Chairman and CEO Chuck Conway. Her responsibility will be to oversee the companys multi-cultural activities.

In addition to Randy, Kmart has hired Rose Reza as the senior vice president, multi-cultural merchandizing. Roses job will be to develop merchandizing assortment appropriate for the many communities so that the company will be able to connect with the many co-cultures that make up the Kmart customer base.

Finally, Sears has stepped out with its new flagship co-cultural store in Chicago. The 50,000 square-foot store is in the old State Street shopping district. It will carry the normal Sears products, along with gowns that are more African American inspired and more hard lines aimed at apartment dwellers. Since these are the co-cultures that make up the surrounding area, Sears feels like this will bring in more of the community to shop at their store. Sears is also in the process of spending $0 million to renovate six other Chicago stores to make them more community friendly and stock them with the surround co-culture in mind.

There are many issues at stake here. How can the co-cultures flourish with todays issues at hand? How can the children of tomorrow understand co-cultures and not have a prejudice or stereotype about someone because of the way they look or the food they eat. And how can they learn to deal with prejudice when they see it so they can learn why someone is prejudice and maybe have a better understanding. With the programs in place from the school in Manhattan to the business across America, society is learning that many co-cultures exist all around them. To survive today, the question is will America learn to live with these co-cultures.

Why does co-cultural diversity matter? Anytime a group or segment of our population is excluded or oppressed, all of us are denied. It has become a matter of increased importance for businesses to understand and take appropriate actions concerning co-cultural diversity. When all segments are respected and utilized, everyone benefits. The management of co-cultural diversity has been accepted and deemed very important in American businesses. Employers now recognize that a co-culturally diverse workforce is a benefit, that not only brings down the cost of absenteeism and employee turnover, but also can increase their bottom line. This importance has been recognized and now surpasses the legal/moral issue, into one of business necessity.

Each of us, in our own way, can make a difference. We have the power to create a respectful workplace, classroom or society as a whole. We first must identify our own attitudes, delete group labels and work toward the common goal of understanding and acceptance.

Sometimes the most difficult concept to understand and accept is that, everyone is equal to everyone else… yet, each of us is different.

What makes us different? How do we negotiate our similarities and differences? It must be recognized and understood that all people belong to a particular group’. Because of the uniqueness of the group, one is often proud to wear its label and belong. However, a person does not succeed-or-fail-merely because of belong that particular group. As long as we respect personal differences as being important and are truly responsive to the fact that being different is okay, we become part of the solution.

People come in all sizes and colors, speak many languages, eat different foods, wear different clothes, are smart in some things… and not so smart in others. But the same world is home to all of us.

Diversity isnt just a concept; it should be a way of life. It is a misnomer to assume that our government can legislate our perceptions. It may be illegal to discriminate, but only if one is caught. Prejudice cannot be banished by laws, or controlled with fear. No one is born intolerant it is learned and practiced. The only way to unravel the bundle of fear, or misconceptions, we have of each other is to talk. The thought process or conceptions about each group must be broken down and re-evaluated. None of us have a monopoly on how to live correctly. Instead, we need to be open-minded to the differences in each of us. It may be the road-less-traveled, but it is that road that we must all travel. For it is the diversity that makes us all equal.



Exhibit A

Texas U.S.

Population 000 0,851,80 81,41,06

Population, percent change, 10 to 000 .8% 1.1%

Persons under 18 years old, percent, 000 8.% 5.7%

Persons 65 years old and over, percent, 000 .% 1.4%

White persons, percent, 000 (a) 71.0% 75.1%

Black or African American persons, percent, 000 (a) 11.5% 1.%

American Indian and Alaska Native persons, percent, 000 (a) 0.6% 0.%

Asian persons, percent, 000 (a) .7% .6%

Native Hawaiian and Other Pacific Islander, percent, 000 (a) 0.1% 0.1%

Persons reporting some other race, percent, 000 (a) 11.7% 5.5%

Persons reporting two or more races, percent, 000 .5% .4%

Female population, percent, 000 50.4% 50.%

Persons of Hispanic or Latino origin, percent, 000 (b) .0% 1.5%

White persons, not of Hispanic/Latino origin, percent, 000 5.4% 6.1%



References

Pearson, J.C., & Nelson, P.E. (000). An Introduction to Human Communication Understanding and Sharing (8 ed.). New York McGraw-Hill Companies.

SBA Online Women’s Business Center (17, May). The Value of Cultural Diversity. Retrieved November 5, 001 from the World Wide Web http//www.onlinewbc.gov/diversity.html

Mind that the sample papers like Co-Cultural Communications Challenges presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!

Jean Dauberval and Carlo Blasis

We are ready to represent the best custom paper writing assistance that can cope with any task like Jean Dauberval and Carlo Blasis even at the eleventh hour. The matter is that we posses the greatest base of expert writers. Our staff of freelance writers includes approximately 300 experienced writers are at your disposal all year round. They are striving to provide the best ever services to the most desperate students that have already lost the hope for academic success. We offer the range of the most widely required, however, not recommended for college use papers. It is advisable to use our examples like Jean Dauberval and Carlo Blasis in learning at public-education level. Get prepared and be smart with our best essay samples cheap and fast! Get in touch and we will write excellent custom coursework or essay especially for you.



Jean Dauberval was born in France in 174. He is a world wide known French ballet

dancer and choreographer. Much of his style was learned from his teacher Noverre but did

much to disseminate his teacher’s ideas on the ballet d’action (ballet with a plot). Dauberval

was best known as the inventor of the comedy ballet. Dauberval’s genre was during the Pre-




Romantic Ballet. The types of dance he worked with during this time was

character or better known as the movement of another nationality, ethnic group, social

class,dances of character or portraying specific historical character, and demi-Character which

was Ballet with folk style. Dauberval made his first appearnce at the Paris Academie (now

Opera) and became noted for his pantomimic dance ability. In 177 he became an assitant

ballet master. In 178 he went on as a dancer to Bordeaux where he later served as ballet

master. He than became popular for his best-known ballet, LA FILLE MAL GARDEE, first

produced in 1786. La Fille Mal Gardee was one of the first comic ballets and one of the first to

include realistic rather than mythological or idealistic characters. It is the oldest ballet still

being performed. This ballet was the first to use the lives of the peasants as the plot. Although

Dauberval’s original choreography was lost, there are serveral more recent versions based upon

the original scenerio. Among his best-known students were Charles-Louis Didelot, Jean Aumer

and Sal Vigano.



Carlo Blasis was born in Italy in 177 and trained in France to later on leave his mark as

mid-nineteenth-century ballet choreographer, theorist, and p�dagogue extraordinaire who

trained the first generation of great Italian ballerinas. His genre was during the Romantic Ballet.

He was a student of Dauberval. He was best known for the responsibility for the importance of

technique for Italian dancers. In 187 Blasis became the Imperial Dancing Academy’s director.

In 1861, he went to Russia, where he spent the next several years teaching at Moscow’s Bolshoi

Theater, reviving and restaging ballets from the company’s repertory, and mounting new

productions. Blasis choreographed for the Bolshoi � Faust (1861), Two Days in Venice, or The

Venetian Carnival (186), Orfa (186), and Pygmalion (186) � as well as one that failed to

materialize, Cagliostro. Blasis published two textbooks, Treatise on the Art of Dancing and

Code of Terpischore, in which he codified his teaching methods and all that was known of

ballet technique. These books form the basis of our modern classical training.

Both men have contributed to the life of ballet in many ways. Both of their styles and

techniques are still being used and perfected. Their style and techniques have enhanced the

teaching of ballet and continue to draw the attention if those whom have good taste in dancing.



Mind that the sample papers like Jean Dauberval and Carlo Blasis presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!

Friday, September 7, 2012

Fish Wars

We are ready to represent the best custom paper writing assistance that can cope with any task like Fish Wars even at the eleventh hour. The matter is that we posses the greatest base of expert writers. Our staff of freelance writers includes approximately 300 experienced writers are at your disposal all year round. They are striving to provide the best ever services to the most desperate students that have already lost the hope for academic success. We offer the range of the most widely required, however, not recommended for college use papers. It is advisable to use our examples like Fish Wars in learning at public-education level. Get prepared and be smart with our best essay samples cheap and fast! Get in touch and we will write excellent custom coursework or essay especially for you.



Fish Wars

Hundreds of fish decals are being seen each day on cars. The main displays of the fish are the Darwin fish and the Jesus fish. One other is the Truth fish eating a Darwin fish. Each decal symbolizes opposing beliefs. These beliefs have been causing worldwide controversy for years. Creationism versus Evolution is the big debate. Proponents of each theory refuse to believe that the two can possibly coexist, Thus causing an all out fish warfare.

The fish warfare began with a simple Christian expression of faith. This expression is the symbol of the fish. Often times, the fish is seen containing the word Jesus or perhaps with the Greek letters IXOYE which represents “Jesus Christ God’s Son and Savior.” The reason the symbol of the fish is such a strong expression of faith has to do with the early Christians. The early Christians used the fish as a communication tool in order to avoid persecution by the Romans. Upon meeting a stranger, the Christian would draw an arc of the fish. If this stranger was a Christian then they would complete the fish with another arc. This allowed them to either discuss matters of Christianity or avoid the topic without fear of persecution. Since the era of Jesus, the fish symbol has continued to be regarded as a Christian expression of faith, only with additional meaning. This is the theory of Creationism.

The advocates of Creationism believe God created earth and everything in it. They think that without him nothing would have been made. Creationists think that if it was not said in the bible then it did not happen. They completely refute the idea of evolution. They feel that by believing in evolution then they are denying the existence of God. The opposing extremists commonly sport the Darwin fish.




The Darwin fish decal looks very similar to the Christian fish. Darwin is spelled out in the place of Jesus and the fish has sprouted legs. These people are affirming their belief in evolution. Evolutionists are using this symbol as a direct attack on Creationists. They have taken a meaningful Christian symbol and mutated it. This symbolizes the belief of Darwinism. Darwin believed in the idea of natural selection. Natural selection is the idea that organisms most fit for survival will continue to flourish. Those who can not meet the survival standards die out and become extinct. Over time, a species may mutate in order to become more fit for survival which is why the Christian fish is displayed with legs. This attack on Creationism denies God’s existence and causes an on going war of the fish.

Another decal that is sported is a bigger Christian fish with the word Truth in it eating a Darwin fish. This retaliation on the Darwin fish is attacking Darwin’s idea of survival of the fittest. What the Creationists are trying to say is that they are the fittest and more correct in their beliefs. Neither the Creationists nor the Evolutionists believe in coexisting. There is a fish war.

There is no need for this war. Coexistence is possible and the two are compatible. First of all, Creationism and Evolution are theories. Both of which require an enormous leap of faith. Without religion, all that you see is all you have and if that is the case then there is no point. There is not understanding of why we are here or where are we going. Another thing is why would we live harmoniously here on earth and be moral and good. It would be much easier to be bad. Another thing is that without science you would not know as much about religion as we do. Therefore, if you believe in one theory then it does not make sense not to believe in the other. Also “one critical message from the creation story is that God created the world and everything in it, not the methods God uses to create and sustain life” (Holtcamp,part p.). Another outlook is that if God created everything and evolution is a falsity then it does make sense that there is evidence of evolution in the form of fossils. It is hard to believe that God has written one huge lie.

Works Cited

Holtcamp, Wendee. “The Fish Wars” 000. http//www.asa.org/ASA/topics/youth%0Page/FishWars1.html

Mind that the sample papers like Fish Wars presented are to be used for review only. In order to warn you and eliminate any plagiarism writing intentions, it is highly recommended not to use the essays in class. In cases you experience difficulties with essay writing in class and for in class use, order original papers with our expert writers. Cheap custom papers can be written from scratch for each customer that entrusts his or her academic success to our writing team. Order your unique assignment from the best custom writing services cheap and fast!