New Opportunities And Safe Loan Standards For Home Ownership

As American as apple pie, home ownership is a quintessential part of many American’s dream. Making this dream a reality requires hard work, perseverance, and an understanding of the housing market and loan options. It also requires a confidence in the economy and job market that many people justifiably do not have after a devastating housing crash. However, as our nation recovers from this crisis, we look ahead to new opportunities and safe loan standards for home ownership. â€Å"Like a boomerang,† a Sarasota Herald Tribune article describes â€Å"†¦recession-battered [boomerang buyers] are reentering the home market in droves after years of renting, nursing their credit and saving enough to buy again† (Salman). Both boomerang buyers and first time†¦show more content†¦Understandably, these factors are affecting many potential new home buyers who feel home ownership may be too risky and potential boomerang buyers who feel little hope for owning aga in after foreclosure. What these potential buyers may not know is that the housing market is rapidly gaining strength and security and home loans are available to boomerang buyers in as little as twelve months. An article titled â€Å"Boomerang buyers could boost housing market† not only states that people reentering the housing market after a foreclosure or short sale are able to qualify for loans, but they are necessary for the continued stability of the market. The article also states that â€Å"Under the Federal Housing Administration’s (FHA) â€Å"Back to Work† program, it will approve certain borrowers for a home loan just one year after a foreclosure, short sale, deed in lieu of foreclosure or bankruptcy ¬Ã‚ ¬Ã‚ ¬Ã‚ ¬Ã‚ ¬Ã‚ ¬Ã‚ ¬.† This time period has been reduced from two or three years for those individuals who lost their homes due to a job loss or other qualifying financial hardship (Miller). For potential new buyers, it is a great time to bu y as interest rates are at a historic low. USA Today reports that buying a home is 44 percent cheaper in many major metro cities and with â€Å"interest

Emily Dickinson Poetry Essay - 1591 Words

Emily Dickinson’s Poetry There is a lot more to poetry than just the words themselves. â€Å"What William Shakespeare called, â€Å"the mind’s eye† also plays a role† (Borus34). What that means is that your experiences and thoughts will add to your understanding. Dickinson had an active mind and a style so unique and unusual with her writing. Something that was very unusual about her writing was that she never put a title to her poems. Just like many poets, she used a wide assortment of literary devices such as, metaphor, simile, alliteration, and symbolism. â€Å"Unlike many writers of her time, Dickinson did not use conventional rhyme, capitalization, or punctuation† (Borus36). For example, she would put dashes not just at the end of a line, but also†¦show more content†¦For that last Onset-when the King/ Be witnessed-in the Room- (7-8), â€Å"In the first part of this line, the author uses an oxymoron by stating that last Onset. Last means an end, while the definition of onset is a beginning.† (Borus57). Dickinson’s poems use a lot of symbols, things that represent other things. When the speaker describes â€Å"Onset- when the King Be witnessed- in the Room-,(7-8). I feel like the king is being targeted as a symbol of God and death. This is showing connection that the narrator must have a strong belief in religion. This poem is full of sadness, with the narrator stating, â€Å"I Willed my Keepsakes† (9). â€Å"Making a will is the last and final way of ensuring the narrators previously-owned possessions staying with loved ones after death† (Borus62). Most people fear death, the tone of the narrator is merely one of sad acceptance† (Borus62). At the moment of the revealing of the narrators will, â€Å"There interposed a Fly-,† This is telling us that the fly is again interrupting (12). The fly seems to come across as a noisy fly. Why is it representing as a noisy fly? Why did the fly appear at the end of someone’s life and at their last breathe? â€Å"The description of the fly changes in stanza thirteen as the narrator states, With Blue- uncertain stumbling Buzz-, thus explaining the fly is no ordinary house fly but a metaphorical figure representing death† (Johnson173). The blue buzz in beingShow MoreRelatedEssay on Emily Dickinson and Her Poetry3197 Words   |  13 PagesEmily Dickinson and Her Poetry Emily Dickinson is one of the great visionary poets of nineteenth century America. In her lifetime, she composed more poems than most modern Americans will even read in their lifetimes. Dickinson is still praised today, and she continues to be taught in schools, read for pleasure, and studied for research and criticism. Since she stayed inside her house for most of her life, and many of her poems were not discovered until after her death, Dickinson was uninvolvedRead More The Poetry of Emily Dickinson Essay883 Words   |  4 PagesEmily Dickinson has always been one of my favorite poets. I love her poems because of the pain and sorrow they contain to which I can easily relate. She often writes of funerals and death. I myself have watched too many friends die and have wondered why God would let this happen. At every funeral, some well meaning mourner would say--,The Lord called him or Shes with Jesus now. My gut reaction was always, Bullshit. Then Emily Dickinsons poem My Life Closed Twice Before its Close would comeRead More Poetry Analysis of Emily Dickinson Essay1307 Words   |  6 PagesAnalysis of Emily Dickinsons The snake, In the Garden, and It bloomed and dropt, a Single Noon—. Emily Dickinson uses nature in almost all of her poetry. She uses many literary techniques in her poems to show her interpretations of nature and the world around her. In the poem The snake she uses imagery in the forms sight and touch. The poem describes the snake as transient or passing swiftly and deceptive or misleading. His appearance is sudden. As the snake moves it divides the grassRead More Emily Dickinson - Her Life and Poetry Essay627 Words   |  3 PagesEmily Dickinson - Her Life and Poetry Emily Elizabeth Dickinson was born December 10, 1830, into an influential family in Amherst, Massachusetts. Her father helped found Amherst College, where Emily later attended between 1840 and 1846. She never married and died in the house where she was born on May 15, 1886. Emily Dickinson’s reclusive life was arguably a result of her proposed bi-polar disorder. This life and disorder unduly influenced the themes of her poetry. She chose notRead More Symbolic Images: The Poetry of Emily Dickinson Essay1188 Words   |  5 Pages The poetry of the Imagists is short, simple, and quite literal in its meaning in order to create a vivid picture in the reader’s mind. When they describe an object, it means just what they say. A tree is a tree, a flower is a flower, and a bird is a bird. Imagists have little use for abstract words or ideas, and tend to shy away from them as much as possible. Emily Dickinson doesn’t fall under the same category as the Imagists, as she doesn’t use the same techniques as the Imagists. nbsp;nbsp;nbsp;nbsp;nbsp;Dickinson’sRead MoreEssay about Emily Dickinson and Interpretations of Her Poetry1541 Words   |  7 PagesEmily Dickinson and Interpretations of Her Poetry During Emily Dickinson’s fifty-six years she was able to produce many complex poems that contained deeply hidden meanings. When I consider the life she lived, this is not surprising to me. She was not only talented, but she also was born into a family and time that would provide much of her inspiration. Emily Elizabeth Dickinson was born into the Dickinson family on December 10, 1830 in Amherst, Massachusetts. Her parents, Edward and EmilyRead MoreEmily Dickinson: Poetry of Pain and Beauty in Heartbreak Essay1918 Words   |  8 PagesIn Emily Dickinsons lifetime, she was an unknown talent (except to a select few she had chosen to share her expressions of life with) that had only seven poems published while she was alive, and the poems that were published were probably all done so without her immediate knowledge or consent (Bloom 12). Her poems show two different sides of her: some an `irreverent little girl and others `a grief-stricken, mature woman (---. 8). When examining poems by Emily Dickinson, you see how the painRead MoreI Heard A Fly Buzz When I Died842 Words   |  4 PagesDied† by Emily Dickinson Emily Dickinson was likely influenced by epitaphs on tombstones. 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Whitman Essay1229 Words   |  5 Pages Dickinson vs. Whitman After receiving five years of schooling, Walt Whitman spent four years learning the printing trade; Emily Dickinson returned home after receiving schooling to be with her family and never really had a job. Walt Whitman spent most of his time observing people and New York City. Dickinson rarely left her house and she didnt associate with many people other than her family. In this essay I will be comparing Emily Dickinson and Walt Whitman. Emily Dickinsons life differs greatly

Is the Customer “Always Right” Free Essays

Is The Customer â€Å"Always Right†? Abstract The customer is always right. It is the merchant’s wealth to safeguard the interests of customers. Many sellers think that some the customer is unreasonable and vulgar. We will write a custom essay sample on Is the Customer â€Å"Always Right† or any similar topic only for you Order Now Customer is always right for three reasons. First, the customer is always right is not the criterion of distinguished between right and wrong but is the criteria of the service work because the focus of the work is how to help customers make the right choices, and how to provide good service to customers. Next, understand the psychology of the customer can help employees easily cope with them. It is can make the seller better serving the customers and make customers to have a higher level of satisfaction. Finally, allowing guests to be picky, can improve the quality of companies and salespeople. The example of Apple and Nokia demonstrates that picky customers can make the seller better serving the customers and make customers to have a higher level of satisfaction. The survival and development of enterprises rely on the trust and support of the customer. Like Zhang (as cited in Gluckman, the last paraphrase 2012) said â€Å"we will always be wrong†. So we will do better! Is The Customer â€Å"Always Right†? The customer is always right. Many people don’t think so, because when customers walk into a store, the clerk gives many different kinds of merchandise for them to choose from. However some customers will complain about the products. Some sellers think that some customers are picky and unreasonable. Nevertheless, no matter what kinds of the customers go into the store, regardless of the attitudes and tempers, they are â€Å"Gods†, since they bring large amount of profit for the business. Therefore, customer is always right and I have three reasons. First of all, the customer is always right† is the goal of service work, not distinguishing between right and wrong. Also, the slogan â€Å"the customer is always right† can be seen in many companies. However many people do not understand it or misunderstand the original meaning of this slogan. â€Å"The customer is always right† is not to judge the rights and wrongs of the matter. It means that companies to do their utmost best to create a good environment for the customers make guests to enjoy quality service, and to ensure the quests feel they have received good value no matter when and where. As Ray Miller (2012) stated, â€Å"It does not matter who is right and who is wrong†. For this sentence a customer may have his or her own ideas, and maybe these ideas are wrong or misguided. If pointed out that the customer is wrong, it will make things worse! Do not need to care about right and wrong with customers as a service industry. How to help customers make the right choices, and how to provide good service to customers that is the focus of service work. Secondly, understanding the psychology of the customer can help employees easily cope with them, but how do they cope when the customer is picky? When customers walk into a store, the clerk take out the merchandise give him the choice, more than half of customers are very critical. Frequently, customers don’t want to buy something maybe have three reasons: show off own appreciative, looking for an excuse to demand for lower prices and thinking it’s too expensive, as a reason of do not buy it. Understanding these reasons, employees can more easily seel products. Actually, a salesman usually has three purposes: he or she hopes the transaction is successful, hopes customers come again, and hopes the customers to introduce other customers to the business, because a friendly staff. Therefore, understanding customer psychology is a discipline. Serving customers as serving themselves, therefor they can provide a higher level of satisfaction. Finally, allowing guests to be picky, can improve the quality of companies and salespeople because many good advises from some customers. By contrast, Xiaoyao (2102) noted in â€Å"The difference between Apple and Nokia† that ten years ago, Nokia mobile phone sold was first place staler. With the advancement of technology people’s requirements is also rising. Because of the discerning of customers, Apple innovate their products to satisfy a client’s needs. However, Nokia did not think that this is important. So, Apple exceeded Nokia less than a decade. Even though some vulgar and unreasonable customer think they always right, a simple philosophy said by Zhang (Gluckman, 2012): â€Å"we always think we are wrong and only take the customer’s need as right† can impel company carry on realistic reason of social activities is society advance and power that develop. In a highly competitive market, customers have a wide right of freedom choice and to purchase the commodity. In fact, the customer also can fire anyone in the company, because they can spend money in other places that make customer like a boss. In my opinion, the customer is a consumer of goods and services and is the foundation source of enterprise. The survival and development of enterprises rely on the trust and support of the customer. Therefore, business should consider the issue from the customer’s point of view and it’s crucial to put customer’s satisfaction and their interests at first stage. Following this standard will improve sales and our profits. In other words, there would be no profit if on customers bought products. Hence, taking care of the interests of the guests is to take care of the business own interests. As Zhang (Gluckman, 2012) said â€Å"we will always be wrong†. So we will do better! Reference Miller, R. (2012). Is the customer always right? Retrieved from http://www. thetrainingbank. com/article_is_the_customer_always_right. htm Gluckman, R. (2012). Every Customer Is Always Right. Forbes, 189(9), 38-40. Xiaoyao (2010,7). The difference between Apple and Nokia Retrieved from http://www. williamlong. info/archives/2236. html ———————– 1 How to cite Is the Customer â€Å"Always Right†, Papers