The Ethics of Predatory Lending in the Housing Industry The real estate industry is thriving with approximately sixty-eight percent of all Americans being homeowners. With low interest rates, 1st time home buyer down payment assistance programs, and government funded educational opportunities (i.e. the Home Ownership Center of Greater Cincinnati), the real estate and mortgage lending industries will continue to flourish. However, there are some unethical lending practices that are threatening the
This module described various predatory practices by businesses. Using scholarly resources, describe some specific examples of predatory practices. Should the debtor or borrower bear some responsibility, at least in some instances? Explain why or why not? Predatory business practice is an unethical, predatory approach that a business undertakes to control the market or maximize profit. There are several predatory practices in play today like predatory lending, predatory mortgage servicing, predatory
comprises more than half of all e-business transactions (http://adres.internet.com/stories/ article/0,1401,7561_231431,00.html). In addition to customization, the other advantage of banner advertising is that it allows the firms in question to practice data mining techniques that can significantly add to their revenues. "By merging the information gathered from their web site traffic analysis tools with other data sources, such as customer databases, savvy online marketers can mine their web site
Poe's Theory and Practice Reflected in The Cask of Amontillado Edgar Allan Poe, author of "brilliant reviews, poems, and stories," was born in 1809, and sadly died, a young man, in 1849 (665). To truly understand Poe, one must note the time period in which he wrote. It was an age of Literary Realism and Dark Romanticism, which was Poe's arena. The concept of "New Literary Criticism" was not yet mainstream. However, Poe was a critic as well as an acclaimed author. By observing the talents that Poe
The Significance of Sacrifice in Buddhist Practice The self-immolation of Buddhist monk Thich Quang Duc at a busy intersection in Saigon on June 11, 1963 utterly shocked most Americans who could not fathom why a person would commit such a horrific act. Without trying to explore any feasible explanations within this man’s religion, many decided that he was probably just a fanatic who wanted to make a political statement in the most appalling manner possible. Was that the case? Was Quang
Mental Imagery and Its Impact on Athletic Performance Jim just sat there before his match. Everyone else was running and warming up, but Jim just sat there. When the dual started, Jim went out on the mat and pinned his opponent, after showing excellent technique. The rest of the team lost. They didn't understand it; they would work out before the dual and couldn't win, but all Jim did was sit there and he won while showing excellent skill. Later they found out that Jim was using a technique
continue to be practiced, until those that practice it decide to stop. Many people who live in country's that are more industrialized, like the U.S.A., tend to think that no ones believes on right and wrong is correct, except their own. That is what comes up in conversation about FGM. Personally, I am not pro-FGM when it comes to its practice. However, I believe people who want to practice it, should be allowed to, without a bunch of "activists against the practice of FGM" telling them to stop, or even
methods. These difficulties have made grade school not nearly as central to my literacy development as most students. My high school career was much more influential in creating my literacy practices. More specifically my experience as a member of my high school debate team really influenced the literacy practices I use today. My high school debate team placed me in a literacy community unlike most high school students experience there I was taught more sophisticated literacy skills, enhanced discourse
Employee Motivation - Theory and Practice What is motivation? Motivation is difficult to explain and even harder to 'turn on' in people. Webster defines motivation as ?an act or process of motivating; the condition of being motivated; a force, stimulus, or influence: incentive or drive? (?Motivation?). It is most often the job of the manager to use motivation to drive employees to accomplish acts which they normally would not have done. The study of motivation helps managers understand what
Nike: From Sweatshops to Leadership in Employee Practices A. Introduction Nike is on of the world leaders in the footwear industry. It is doing very well in the environment and overall in the footwear industry. Nike has had some problems with its reputation due to the location of its suppliers and the linkage of Nike to sweatshops. Nike was publicly criticized for these things and it proceeded to avoid the problem and even mislead the public. Finally after having to settle on a legal case brought
mindsets of Chinese and Westerners when it comes to parenting. The author starts the article with several stories to demonstrate these glaring differences: Chinese parents believe their kids are "the best;" Chinese parents force their children to practice a subject until they master and enjoy it; and Chinese parents call their offsprings "garbage" and "fat" to make them improve. However, according to Chua, the Chinese parenting method, strange to Westerners, has created successful sons and daughters
The initial or first yogis did not practice with foamy squares, colorful elastic bands or rubber-organic-go green-mats. A lot of the yoga lovers and doers, as the practice developed, identified the use of props to help deepen their journey. But what exactly is a Yoga prop? What are their uses? Are they functional? Will they make the teacher or student’s life easier? A yoga prop is simply an object or thing that is used to AID the practice of a yoga pose. The use of props helps the student reach the
Macbeth and Lady Macbeth in Theory and Practice Shakespeare's Macbeth has been the subject of scholarly research in terms of ambition, politics, and sexuality. The most predominant analysis is that of the relationship between Macbeth and Lady Macbeth. This relationship in theory is full of sexual innuendo, maternal power, gender transgression, and violence. In reading multiple essays on the psychological nature of the relationship one question came to mind: to what extent are the characters
as a dynamic process of interconnected decisions and actions by different individuals relating to each of the model elements (Logan & Graham, 1998). The OMRU includes six key elements: (1) evidence-based innovation, (2) potential adopters, (3) the practice environment, (4) implementation of interventions, (5) adoption of the innovation, (6) outcomes resulting from implementation of the innovation (Graham & Logan, 2004). The Ottawa Model of Research Use (OMRU) offers a “comprehensive, interdisciplinary
involvement in the practice of obeah adds to the mysterious air about her in the novel. Obeah is a practice that is not an official religion, but there is a community who are involved in the practice that has “a wide variety and range of beliefs and practices related to the control or channeling of supernatural/spiritual forces” (Bilby 153). The practices are done “by particular individuals or groups for their own needs, or on behalf of clients who come for help” (Bilby 154). The practice has gone from
According to Rue and Byars (2010), “orientation is not a one-time obligation, but an ongoing process” (p. 207). Training of employees can also be defined by this statement. Having an effective orientation and training plan is essential to the success of new employees and the organization as a whole. Ineffective training and orientation creates dissatisfaction with new employees which reduces morale and increases turnover (Giangreco, Sebastiano, & Peccei, 2009). The first step to successful entry
Censorship Laws and Practices in China Introduction China joined the global Internet age in 1994, and has been commercially available since 1995. Since then, Chinese Internet usage has seen explosive growth, doubling every six months, and the number of online users is only second to the US. The Internet age ushered in the information age with a new world of freedom and expression for the Chinese. However, soon after its inception, the Chinese government has reined in the free wheeling Internet
attitudes and expectations during practices and games. I found that during practice, coaches had either the nice-guy or the drill sergeant approach. They also had different methods of coaching during and after the games. Practices are very important to basketball. If you practice hard and take it seriously, your team can become successful. All of my coaches in high school took practices seriously. I basically had two different types of coaches when it came to practice. There was the drill sergeant type
If a peer or colleague asked me for advice about using mindfulness techniques in clinical practice the first thing I would suggest would be a course or training in mindfulness, but I think I would actually suggest they take part in an 8-week MBCT course for themselves alongside doing some personal reading such as Pollak,, Pedulla, & Siegel, 2014 book. Sitting together: Essential skills for mindfulness-based psychotherapy. For years I have heard about mindfulness but the “definition” and experiences
hours of practice to obtain mastery of a skill. He comes to this conclusion after researching many of the elite people in different careers and fields. The research shows that much more often than not, the most successful people, whether they are computer programers or violinist, had practiced their chosen skill at least 10,000 hours of their life, while their less successful counterparts had not practiced as much. This was regardless of any natural talents or ability. It was the practice that made