The Scientific Theory A Clockwork Orange - 1920 Words

THE SCIENTIFIC THEORY: aka I’ve scoured the net, and yet none have mentioned the following theory pertaining to The Retribution of Mara Dyer (edited to include A Clockwork Orange--found at the bottom.) (October: edited to include the Daniel Myer theory) This all links back to Biotechnology. Otherwise known as David Shaw, Noah Shaw’s father. Noah’s father owns a megacorporation that all stems from research in biotechnology. According to the UN Convention on Biological Diversity, Act 2, biotechnology is: â€Å"any technological application that uses biological systems, living organisms or derivatives thereof, to make or modify products or processes for specific use† In essence, Noah’s father dabbles in the field of genetic modification (or so I think that he does. I’ll be honest with you, I did absolutely no science subjects in my senior studies). In The Evolution of Mara Dyer, Mara’s father says a passing comment about David Shaw’s company: â€Å"There were some federal indictments handed down a year ago for the executives of one of his megacorporation’s subsidiaries—Aurora Biotech? Euphrates International [†¦]† Noah’s father is by far the most enigmatic character mentioned in the passing. If he was just Daddy Warbucks, why have all these constant, and consistent insinuations and passing comments about his father’s involvement in biotechnology. We know from the above quote that something shady is cooking up in his research. This oddity comes up once again when NoahShow MoreRelatedA Clockwork Orange1450 Words   |  6 PagesAnthony Burgess A Clockwork Orange is a dystopian novel set in an oppressive, futuristic state. Published in 1962, A Clockwork Orange is an extremely intense, graphic, and, at times, horrifying novel. A reader begins to question their own values as they become numb and desensitized to the violence at hand. Both behaviorism and free will is occurring throughout A Clockwork Orange. A Clockwork Orange brings up a question, how much control of our own free will do we actually have? Do we reallyRead MoreDystopian Novels : A Dystopian Novel1943 Words   |  8 Pagesthings that go in on in a ‘’normal’’ society. As a reader and writer, you must be able to identify elements of this type of reading to be able to identify themes associated with the writing. It is not always easy to identify. Fortunately, A Clockwork Orange is centered on a cure for mental illness and behavioral modification. These are two ideas that can easily be identified. We find great entertainment with examining what may come of our future. Therefore, these types of readings are importantRead MoreEssay about Science and Realism933 Words   |  4 Pagesscience fiction. The Unparalleled Adventures of One Hans Pfaal is one of the few stories with anything resembling science. The ideas Hans has about flying a hot air balloon are at least vaguely scientific. After Hans Pfaal, the next story was The Balloon-Hoax. This was the only other vaguely scientific story by Poe. After The Balloon-Hoax the science got tossed out the window, at least anything that could be recognized as science. Since Nathaniel Hawthorns The Celestial Railroad and OtherRead MoreThe Myth Of The Apollo 11 Land On The Moon And Hearing Neil Armstrong Essay1237 Words   |  5 Pagesthe realists is a never ending debate over whether this was a staged government hoax or if America actually made it to space. With hundreds of theories circulating involving Stanley Kubrick, Area 51, and the validity of a wrinkle in a flag.Was America really that eager to beat the Soviets and win the Space Race or did we just hit the jackpot in scientific discovery? During John F. Kennedy’s time as president he vowed to get to the moon before the end of the decade. Even though he did not live toRead MoreEffective And Ethically Defensible Methods Of Reducing Crime2344 Words   |  10 PagesCritically discuss whether biologically theories are capable of giving rise to effective and ethically defensible methods of reducing crime This essay will argue that the theory that biology, psychology, neurology can give a partial answer to finding effective and ethically defensible methods of reducing crime is supported. Through looking at the chapters dealing with biological theories, genetic, biochemical factors and neuroscience the author strives to structure the developing argument that anRead MoreViolence on Television Does Not Impact Behavior Essay3474 Words   |  14 Pagesideal, denial, or unavailable evidence that define why people equate violence on TV with the violence in their lives and in other Americans lives. Its a founded and plausible justification. Over 1,000 detailed studies confirm this link. Advanced scientific research illustrates the horrific results we hate to hear: television is bad for kids. Our electronic babysitter has reached the end of her employment - she shoots out too many intensely violent acts in a surprisingly perfunctory way. Leonard EronRead MoreLogical Reasoning189930 Words    |  760 PagesExplanations ........................................................................................ 483 Assessing Alternative Explanations ................................................................................................ 488 The Scientific Method ........................................................................................................................ 490 Some Case Studies .............................................................................................

Short Story - 1524 Words

For the rest of the night/morning I had rested up, and went straight to one of the patrol officers that roam the streets in search of some homeless people that â€Å"plague† the streets. I had told them all about my suspicions with Master Reginald, but they just had the audacity to laugh. Master Benedict would have not appreciated this, I thought once they stopped laughing and told me to get a move on. I decided then that I would have to avenge Master Benedict on my own, and that would involve breaking into Master Reginald’s home. Still early in the morning, I had made my way to his house, and I had knocked on his door. Master Reginald answered, but before he could stop me, I pushed myself into his house, fully expecting to see signs of†¦show more content†¦I had read the newspaper when the fire was still a big part of my theory that Master Reginald was a part of the cult, and I didn’t remember it because I was so engrossed with the fire that the story a bout the poisonings didn’t even register until at that moment. First though, I knew that I couldn’t confront him by myself. This was proved by the fact that I was completely dumbfounded when trying to confront him the first time I had thought that he was part of the cult. I knew that I was going to have to involve the some form of authority if I ever wanted to stop the man. But to do that I had to convince the police to come with me so I could prove it to them. Therefore, I needed to show them what I had found, and I planned on stealing some to then bring to the police. Fortunately, I had someone that could help me with this part if the plan. By the time Tom and I had met up and ready to go on our mission, it was already dark out. The perfect time of day for this type of mission. Tom and I had snuck up behind the house of Master Reginald, making sure that no light was coming from it. Then we carefully dug up one of the plants we were planning to take back to the police , but before we could manage to remove the plant from the soil, we heard a man’s voice. Apparently, we were not as sneaky as I thought we were at the time. Master Reginald had found us sneaking around his house, and then before we could come with any ideas of escape, he made us goShow MoreRelatedshort story1018 Words   |  5 Pagesï » ¿Short Stories:  Ã‚  Characteristics †¢Short  - Can usually be read in one sitting. †¢Concise:  Ã‚  Information offered in the story is relevant to the tale being told.  Ã‚  This is unlike a novel, where the story can diverge from the main plot †¢Usually tries to leave behind a  single impression  or effect.  Ã‚  Usually, though not always built around one character, place, idea, or act. †¢Because they are concise, writers depend on the reader bringing  personal experiences  and  prior knowledge  to the story. Four MajorRead MoreThe Short Stories Ideas For Writing A Short Story Essay1097 Words   |  5 Pageswriting a short story. Many a time, writers run out of these short story ideas upon exhausting their sources of short story ideas. If you are one of these writers, who have run out of short story ideas, and the deadline you have for coming up with a short story is running out, the short story writing prompts below will surely help you. Additionally, if you are being tormented by the blank Microsoft Word document staring at you because you are not able to come up with the best short story idea, youRead MoreShort Story1804 Words   |  8 PagesShort story: Definition and History. A  short story  like any other term does not have only one definition, it has many definitions, but all of them are similar in a general idea. According to The World Book Encyclopedia (1994, Vol. 12, L-354), â€Å"the short story is a short work of fiction that usually centers around a single incident. Because of its shorter length, the characters and situations are fewer and less complicated than those of a novel.† In the Cambridge Advanced Learner’s DictionaryRead MoreShort Stories648 Words   |  3 Pageswhat the title to the short story is. The short story theme I am going conduct on is â€Å"The Secret Life of Walter Mitty’ by James Thurber (1973). In this short story the literary elements being used is plot and symbols and the theme being full of distractions and disruption. The narrator is giving a third person point of view in sharing the thoughts of the characters. Walter Mitty the daydreamer is very humorous in the different plots of his dr ifting off. In the start of the story the plot, symbols,Read MoreShort Stories1125 Words   |  5 PagesThe themes of short stories are often relevant to real life? To what extent do you agree with this view? In the short stories â€Å"Miss Brill† and â€Å"Frau Brechenmacher attends a wedding† written by Katherine Mansfield, the themes which are relevant to real life in Miss Brill are isolation and appearance versus reality. Likewise Frau Brechenmacher suffers through isolation throughout the story and also male dominance is one of the major themes that are highlighted in the story. These themes areRead MoreShort Story and People1473 Words   |  6 Pagesï » ¿Title: Story Of An Hour Author: Kate Chopin I. On The Elements / Literary Concepts The short story Story Of An Hour is all about the series of emotions that the protagonist, Mrs. Mallard showed to the readers. With the kind of plot of this short story, it actually refers to the moments that Mrs. Mallard knew that all this time, her husband was alive. For the symbol, I like the title of this short story because it actually symbolizes the time where Mrs. Mallard died with joy. And with thatRead MoreShort Story Essay1294 Words   |  6 PagesA short story concentrates on creating a single dynamic effect and is limited in character and situation. It is a language of maximum yet economical effect. Every word must do a job, sometimes several jobs. Short stories are filled with numerous language and sound devices. These language and sound devices create a stronger image of the scenario or the characters within the text, which contribute to the overall pre-designed effect.As it is shown in the metaphor lipstick bleeding gently in CinnamonRead MoreRacism in the Short Stor ies1837 Words   |  7 PagesOften we read stories that tell stories of mixing the grouping may not always be what is legal or what people consider moral at the time. The things that you can learn from someone who is not like you is amazing if people took the time to consider this before judging someone the world as we know it would be a completely different place. The notion to overlook someone because they are not the same race, gender, creed, religion seems to be the way of the world for a long time. Racism is so prevalentRead MoreThe Idol Short Story1728 Words   |  7 PagesThe short stories â€Å"The Idol† by Adolfo Bioy Casares and â€Å"Axolotl† by Julio Cortà ¡zar address the notion of obsession, and the resulting harm that can come from it. Like all addictions, obsession makes one feel overwhelmed, as a single thought comes to continuously intruding our mind, causing the individual to not be able to ignore these thoughts. In â€Å"Axolotl†, the narr ator is drawn upon the axolotls at the Jardin des Plantes aquarium and his fascination towards the axolotls becomes an obsession. InRead MoreGothic Short Story1447 Words   |  6 Pages The End. In the short story, â€Å"Emma Barrett,† the reader follows a search party group searching for a missing girl named Emma deep in a forest in Oregon. The story follows through first person narration by a group member named Holden. This story would be considered a gothic short story because of its use of setting, theme, symbolism, and literary devices used to portray the horror of a missing six-year-old girl. Plot is the literal chronological development of the story, the sequence of events

Transformation of dracula Free Essays

Transformation of Drachma Drachma Is a timeless novel written by Abram Stoker and to this day remains a thrilling read about good vs. evil In the form of Van Helping and his companions pitted against the supernatural forces of Count Drachma, the vampire from Transylvania. Not only was this novel about good vs. We will write a custom essay sample on Transformation of dracula or any similar topic only for you Order Now . Evil but upon inspection found to have many themes and views relevant to the time it was written. This caused it to be a huge success of its time and in 1922 the German director Murmur seeing the success of the story put it under transformation and named it Nonstarter. This silent film was very similar to Drachma except It was more relevant to the times It was written In. Public opinion about certain aspects of society had changed and even though both forms of media were set in the same timeshare some themes had been eliminated or turned on their heads. Now both these media were made in different styles with Drachma made in the gothic style. This is apparent with the Supernatural aspect of Drachma and his Vampire kin. Stoker’s descriptions of Drachma are always set as comparisons to animals so even when In human form Drachma Is not quite human but rather meeting far more unnatural. In Nonstarter the style Is the one of the time being German expressionism with themes prevalent throughout the film, the most obvious being the use of shadows to signify darkness and evil as well as the unknown. This is best captured with the powerful Image of count Errol walking up the stairs to attack Nina with his eerie shadow adding to the sense of darkness and mystery. Drachma had many themes but like Nonstarter was an expression of the times In which they were conceived In, so many themes in Drachma did not make the transition. Gender Hierarchy was viewed as an Important cog of Victorian culture and that held true throughout the book with the submissive, helpless females needing the help of the apparent stronger sex, males. The only exception to this is Mina but even then she is only able to by having â€Å"a man’s brain†. Christian salvation and imagery was not part of the transformation process into nonstarter as being an important theme in Drachma is non-existent In Nonstarter. A great scene to help show this Is the killing of Lucy where after being killed for a second time Lucy Is restored to â€Å"unequalled sweetness ND purity’. SE of holy symbols only reinforces this theme with the crucifix and holy wafers making appearances. The theme of superstition vs.. Science is also at the forefront with the logical, rational dry Seward unable to explain the biting with all of his reasoning and it is only through superstition from a man of higher faith who is unable to uncover the mystery. Also w hen it comes to the hunting and killing of Drachma science is not enough to defeat the beast and faith Is needed to kill the monster. The big thing of the unknown ,strange east Invading progressive closed England was also not only an issue in the book but an issue at the time with high immigration rates making some conservative Englishmen very nervous. Nonstarter due to the time it was made after the 1st world war therefore had more themes applying to post war Germany and some themes from Drachma where completely rubbed out with the gender hierarchy almost reversed as the men look like bumbling and his blatant disregard of clues from a book of vampires accompanied by Errol being deterred by the rosary the only mention of these two themes. Religion vs.. Science wasn’t as big of as issue as at the time of nonstarter. This was different for Drachma as Charles Darning’s origin of species had Just been published; challenging the faith of many Christians perhaps leading conservative Abram Stoker to show that religion is still important. In the sass’s this wasn’t as big of an issue and therefore was not a theme in the film. WWW was the bloodiest war in human history at that point and the Spanish influenza had Just ripped its way through Europe. This is reflected in the way Count Errol brings death to Thomas Hatter’s city with the scene f the coffins being taken down the street. You will notice that Count Oarlocks teeth are different to Drachma’s. Errol has the teeth of a rat rather than the stereotypical enlarged canines. Also his arrival is matched by some rats who are also bringers of plague. So count Errol could be a symbol for the rat as he brings what is reported in the film as plague. All in all I believe Transformation to be a useful tool as it can expose people who enjoyed the original to something different and in Drachmas case show a great contrast between different times and different people. How to cite Transformation of dracula, Papers

Achondroplasia Essay Example For Students

Achondroplasia Essay AchondroplasiaThere are many conditions and diseases that can cause short stature, dwarfism. Some of these conditions involve a bone disorder the bones do not grow and develop normally. These conditions are called skeletal dysplasias or chondrodystrophies. People with these conditions of short stature often refer to themselves as dwarfs, little people, or short-statured persons. More than 100 skeletal dysplasias have been discovered. Of these, achondroplasia is the most common. It occurs in all races and with equal frequency in males and females, but is a rare disease. An individual with achondroplasia has disproportionate short stature, which means the head is large and the arms and legs are short compared, to the chest. This shortness is particularly noticeable in the upper arms and thighs. Other signs are a large forehead, a flat or even depressed area at the base of the nose, a protruding jaw, and sometimes the teeth are crowded and the upper and lower teeth may be badly aligned. An adult with achondroplasia usually has an exaggerated forward curve to the lower spine. The legs of a person with achondroplasia almost always become bowed and the elbows often cannot be straightened completely. Sometimes the person has limited twisting ability at the elbows. The hands are short, and the feet are short and flat. Another sign is double jointedness, caused by loose ligaments in some joints. Achondroplastic children can flex their finger, wrist, hip, and knee joints to an extreme degree because of this. These signs are usually apparent at birth, and ach ondroplasia can be diagnosed at that time. Affected men average 51.8 inches in height, while women average 48.6 inches. There is no relationship between the height of the parents and the adult height of their children with achondroplasia. Children with achondroplasia develop slower. It takes them along time to gain proper head control, because of the extremely large head the neck muscles have to be strong enough to support it. Children with achondroplasia commonly get middle-ear infections in the first five or six years of life, probably due to abnormal drainage of the tube from the middle ear to the throat. Weight control is a frequent and lifelong problem for many people with this disorder. Both children and adults must be careful of what they eat because they are prone to add excess weight. The basic cause is faulty development of the bone structure. If these infections are not recognized and treated, or are resistant to treatment, the child may sustain significant hearing loss. Dental problems caused by overcrowding of teeth (especially those of the upper jaw) may occur. Malocclusion often results and makes good oral hygiene difficult. In addition to ordinary dental care, orthodontic treatment may be necessary. Th e large head seen in achondroplasia is often confused with hydrocephalus (water on the brain). Hydrocephalus may develop in achondroplasia, but it rarely requires surgical treatment. It is important to measure the young childs head circumference regularly to distinguish hydrocephalus from normal head growth. Young children with achondroplasia are at increased risk for specific neurologic and respiratory problems. These result from smaller openings in the skull, particularly at the foramen magnum (or large window) at the base of the skull. In some cases, surgery is required to enlarge this opening and relieve pressure on the base of the brain and spinal cord. Common orthopedic problems in childhood include a reverse curvature (kyphosis) of the lower spine in infancy, and bowed legs, which may develop any time after children begin to walk. The spinal kyphosis usually resolves without treatment, but may require bracing or surgery if it persists. Bowed legs may be treated by bracing or orthopedic surgery. Older children and adults frequently experience fatigue, numbness, or pain in the lower back and thighs. Often these complaints are simple muscular problems that do not require special care. If they are persistent or severe, the person should be evaluated by a physician, perhaps a neurologist. Nerve or spinal-cord problems are common because of the narrow spinal canal, particularly in the lower back. .u317502fc58c48dce311d6860b7fa2636 , .u317502fc58c48dce311d6860b7fa2636 .postImageUrl , .u317502fc58c48dce311d6860b7fa2636 .centered-text-area { min-height: 80px; position: relative; } .u317502fc58c48dce311d6860b7fa2636 , .u317502fc58c48dce311d6860b7fa2636:hover , .u317502fc58c48dce311d6860b7fa2636:visited , .u317502fc58c48dce311d6860b7fa2636:active { border:0!important; } .u317502fc58c48dce311d6860b7fa2636 .clearfix:after { content: ""; display: table; clear: both; } .u317502fc58c48dce311d6860b7fa2636 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u317502fc58c48dce311d6860b7fa2636:active , .u317502fc58c48dce311d6860b7fa2636:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u317502fc58c48dce311d6860b7fa2636 .centered-text-area { width: 100%; position: relative ; } .u317502fc58c48dce311d6860b7fa2636 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u317502fc58c48dce311d6860b7fa2636 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u317502fc58c48dce311d6860b7fa2636 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u317502fc58c48dce311d6860b7fa2636:hover .ctaButton { background-color: #34495E!important; } .u317502fc58c48dce311d6860b7fa2636 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u317502fc58c48dce311d6860b7fa2636 .u317502fc58c48dce311d6860b7fa2636-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u317502fc58c48dce311d6860b7fa2636:after { content: ""; display: block; clear: both; } READ: John Berger and History EssayMutations within a single gene cause achondroplasia. The condition may be passed from one generation to the next or it may result from a new mutation in a

For Or Against School Uniform Essays - Uniforms, Childrens Clothing

For Or Against School Uniform SCHOOL UNIFORMS Good or Bad Idea The head teacher of a local primary school is thinking of introducing a school uniform. .Can uniforms really make a difference to a child's academic performance. . Would uniforms infringe on the child's creativity and self expression . Clothes don not make the child Reasons For School uniforms can put the emphasis on school work instead of dressing in designer wear. It may also help lower to lower school violence. In a time when school children are getting assaulted for designer jackets and shoes, uniforms may be exactly what is needed. Uniforms can also help to identify outsiders within a school. Drug dealers would have to wear uniforms in order to be able to roam the school grounds without being spotted. The uniforms can also help parents to save money. Designer clothes are expensive and a student would need to have at least five different outfits to wear to school. Where a child wearing uniform would only need two sets of clothes. School uniform also help to to erase lines between the social classes. Since all students will be dressed alike, it will be impossible to tell the difference from a student from a low income and one from a high income family. Reasons Against Arguments against school uniforms believe school uniforms will lessen children's individualism and creativity. It will infringe on students rights. Students have very little say in the daily routine of their lives, so deciding what to wear is one of the few methods students have to control their lives. Clains have been made that school uniforms enforce conformity rather than individuality. Some reasons given by students who do not wish to wear a school uniform. Doses not allow freedom of expression No Choice Can't wear logos I will look like everyone else Not my style Limited colour and fabric Anoher claim is, if you take away a child's self expression through clothing, you force that child to express his or herself in other ways. This might even force a child to resort to even more violent forms of expression and continue to disrupt the class. Conclusion In today's society, students are fighting each other in schools because of ther students that wear rival gang colours and clothing. Children whose parents cannot afford designer clothes are automatically put out of the in crowd and they may feel unhappy and left out. A school uniform would mean students would not be judged by what they wear, instead they will be judged on their personality. Can uniforms make a difference? It may be a start. Uniforms will give all stuents a chance to fit in regardless of their social background. They will also take the students focus off having the right clothes and put it back on having the right attitude. I feel school uniforms are a good idea because, they help the students to keep focused on academics and improve their behaviour. Even after school hours, while they are in their school uniform, they would be easily identified as a member of the school.However, we cannot let the term free country becoming meaningless by taking away more and more student choices. If students are unable to express themselves through their clothing, we must be sure to provide alternative forums for students to develop a sense of self. Social Issues

USDA Loans and Grants for Single Family Home Repair

USDA Loans and Grants for Single Family Home Repair The U.S. Department of Agriculture (USDA) offers low-interest loans and grants to very-low-income homeowners in eligible rural areas for certain improvements to their homes. Specifically, the USDA’s Single Family Housing Repair Loans and Grants Program offers: Loans to qualified very-low-income homeowners to repair, improve, or modernize their homes. Loans may be used to repair, improve, or modernize the home, or to remove health and safety hazards from the home.Grants to qualified elderly very-low-income homeowners. Grants must be used to remove health and safety hazards from the home. Who Can Apply? In order to qualify for loans or grants, applicants must: Be the homeowner and actually live in the home;Be a citizen of the United States or reside in the United States after having been granted legal permanent resident (green card) status;Be financially unable to obtain affordable credit elsewhere;Have a combined family income below 50% of the area median income; andFor grants, be age 62 or older and be financially unable to repay a conventional home repair loan. What is an Eligible Area? USDA Single Family Housing Repair Loans and Grants Program loans and grants are generally available to homeowners in rural areas with community populations of less than 35,000. The USDA provides a web page where prospective applicants can check their address to determine their eligibility online. Within the population limit, loans and grants are available in all 50 states, Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, the Northern Marianas and the Trust Territories of the Pacific Islands. How Much Money is Available? Loans of up to $20,000 and grants of up to $7,500 are available. However, a person age 62 or older may be eligible for combined loans and grants totaling up to $27,500. What are the Terms of the Loans or Grants? Compared to conventional home repair loans, with interest rates averaging over 4.5%, the terms of the USDA loans are very attractive. Loan interest rates are fixed at 1%.Loans can be repaid over a period of 20 years.Full title service is required for loans of $7,500 or more. (Title service fees are costs associated with issuing a title insurance policy for the lender.)Grants have a lifetime limit of $7,500.Grants do not have to be repaid unless the house is sold in less than 3 years.If the applicant can repay part, but not all of the costs, the applicant may be offered a combination of a loan and a grant. Are There Deadlines to Apply? As long as Congress continues to fund the program in the annual federal budget, applications for the loans and grants can be submitted year around. How Long Does the Application Take? Applications for loans and grants are processed in the order they are received. Processing times may vary depending on the availability of funds in the applicant’s area. How Do You Apply? To begin the process, applicants should meet with a USDA home loan specialist in their area for help with the application. What Laws Govern this Program? The Single Family Housing Repair Loans and Grants Program is authorized and regulated under the Housing Act of 1949 as amended (7 CFR, Part 3550) and House Bill HB-1-3550 - Direct Single Family Housing Loans and Grants Field Office Handbook. Note: Since the above laws are subject to amendment, applicants should contact USDA home loan specialist in their area for current program details.   Other Government Sources of Loans and Incentives Besides the USDA’s home repair loans and grants programs, financial help for home repairs or modifications is available from other government sources. Some programs are available nationwide, while others are only available at the state or county level. The HUD Title 1 Property Improvement Loan program offers loan amounts and repayment terms based on the type of property. HUD insures private lenders against loss on property improvement loans they make.HUD’s 203(k) Rehabilitation Mortgage Insurance Program allows qualified homebuyers and homeowners to finance up to $35,000 into their mortgage to repair, improve, or upgrade their home.Information about home repair or improvement assistance available through local county government housing departments can be found at the various state Department of Housing and Urban Development offices. Help for Certain Demographic Groups The Department of Veterans Affairs Home Loans Service offers loans for all qualified veterans and specially adapted housing grants to disabled servicemembers and veterans to help purchase or construct an adapted home, or modify an existing home to accommodate their disability.The U.S. government’s Eldercare Locator website offers tips on home safety and assistance in finding local home improvement loan programs in its Home Repair and Modification section.Native Americans can learn more about how to qualify and get housing improvement grants and loans from the Public and Indian Housing (PIH) Customer Service Center.

Marketing Management First Assessment Essay Example | Topics and Well Written Essays - 2000 words

Marketing Management First Assessment - Essay Example Virginia Community Capital Inc. is however unique because it is a non-profit motivated bank. The bank target mostly low income and middle income earning individuals to empower them. While at this, the bank often earn considerable amount of profit that is majorly given back to the community with regard to communal services (Savitz, 2013 p.12). This is the first pillar of the Triple Bottom Line analysis that is to be employed to analyze the overall performance of Virgin Community Capital Inc. (VCC). The bank’s greatest source is the interests it earns from the loans it advances to the community for various activities they take. VCC is approximated to have issued out loans worth a total of $419 million. Below is analysis of the financial statement that reveals the ideal position of the organization (Chhabra, D., 2010 p.13). The bank is believed to have reported an earnings ratio of about 66% in the year 2012. This is higher than the 35% registered in 2011. This implies that the expense of interest increased more than the increase of the interest earned by the bank. Deposition amount obviously was higher than the amount of loans in the year before. This depicts that at that particular juncture; the bank was working towards a negative ground and was registering a loss (Savitz, 2013 p.13). This is also portrayed by a trend analysis whereby the income interest increased as from the year before, 2011, 50%, compared to a lesser value in 2012, 17%. However, the interest from expense rose from 65% to 121% by 2012. It is prudent to note that the profit ratio is seen to have increased from 0.056 to 0.072 and is an indicator that bank is self sustainable due to the earned profit. The provision rate of loans in VCC is seen to have gone down. This depict that solvency of the bank in situations of default would be prudent since the bank is at less riskier loans in the current year. This is clear when you look at the decreasing loan loss provision ratio