Proposed SCUBA (Stable, Conservative Underwater Borrower...

There is no shortage of programs now available in the mortgage industry to help ease the foreclosure crisis. Although some of them provide direct financial assistance to key participants in the foreclosure process to encourage them to find a less costly alternative, there is really no national effort to address one of the most stubborn factors that often leads to foreclosure and in some cases thwarts efforts to avoid it. Many borrowers in the U.S. owe more than their house is worth, either on just their first mortgage or in combination with a second mortgage or home-equity line of credit. A First American CoreLogic study recently estimated that 23 percent of all homeowners are in a â€Å"negative equity† position, and the number is†¦show more content†¦These charges are now either included in the closing costs or added as premiums on the interest rate. HARP is only available for performing Fannie and Freddie loans, but that covers a huge portion of the U.S. mortgage market. In a recent article in his nationally syndicated newspaper column on real estate, Ken Harney reported on a new study by Brent White, a professor at the University of Arizona, which argues that many underwater borrowers should intentionally default on their loan and bear the consequences of being shut out of the credit market for a few years. That strategy may be particularly appealing in states where lenders can’t try to recover unpaid mortgages from the borrower’s other assets. Such â€Å"voluntary foreclosures† are one form of a problem that has shaped the foreclosure debate since the government first began devising alternative strategies. Lawmakers and officials in both the Bush and Obama administrations have struggled to find ways to prevent homeowners from using federal assistance when they don’t need it, or profiting from their â€Å"bailout.† That goal has become even more intense since the government was forced to create the $750 billion Troubled Asset Relief Program, most of which has been used to prop up banks and other â€Å"too-big-to-fail† enterprises. A relatively small portion of TARP is being used to pay for HAMP incentives to borrowers, lenders and investors. SCUBA

F. Scott Fitzgerald s The Great Gatsby - 1003 Words

Often referred to as â€Å"the Jazz Age,† the 1920s was a time full of innovation, leisure, and newfound sexual expression. In this age, there was a boom in literary expression as well. F. Scott Fitzgerald was one of the many twentieth-century writers to focus on American ideals in their novels. In Fitzgerald’s masterpiece, The Great Gatsby, the character of Jay Gatsby represents the opulence and underlying corruption of the 1920s. As the novel begins, Fitzgerald describes Gatsby’s outrageous wealth. Gatsby harbors an obsession for money, which is a reflection of the booming economy in the Twenties. He lives in a mansion, complete with a pool, and even owns a luxurious car, reminiscent of the 1920s when the automobile became a major part of American culture. This car has a color that is a â€Å"†¦combination of the white of the [American] dream and the yellow of money† (Seiters 2). The nation’s wealth doubled during the 1920s, and many Americans used this as an opportunity to spend more. Gatsby is no exception; he is one of the â€Å"new rich†. He spares no expense, wearing expensive shirts and importing crates of fresh fruit to his mansion every week. He spends money without thinking, all in the hopes of impressing his love, Daisy Buchanan. In addition to his numerous possessions, Gatsby often throws lavish parties. They are simply glorious, with sumptuous food and a f ull orchestra (Fitzgerald 39-41). Fitzgerald makes evident the fact that Gatsby only hosts such grandShow MoreRelatedF. Scott Fitzgerald s The Great Gatsby974 Words   |  4 PagesPoverty in the Valley of Ashes: The Great Gatsby â€Å"This is a valley of ashes- a fantastic farm where ashes grow like wheat into ridges and hills and grotesque gardens where ashes take the forms of houses and chimneys and raising smoke and finally, with a transcendent effort, of men who move dimly and already crumbling through the powdery air† (Fitzgerald 26). In the novel, â€Å"The Great Gatsby,† the author F. Scott Fitzgerald, mainly depicted lives of the rich and their luxuries but also showed theRead MoreF. Scott Fitzgerald s The Great Gatsby1289 Words   |  6 Pages and many people realized their own version of the American Dream during this period. The American Dream is one that many people want to achieve. However, F. Scott Fitzgerald demonstrates his true feelings about the American Dream in his classic novel, The Great Gatsby. Many characters in this story, such as Daisy and Tom Buchanan, Jay Gatsby, and Jordan Baker, found riches and happiness in materialistic things and people throughout this novel. This is the stereotypical American Dream that is associatedRead MoreF. Scott Fitzgerald s The Great Gatsby944 Words   |  4 Pages423169 Prompt #4 No Comments Lim [f (x)] - 0 = ∞ ... The Limit as X Approaches Infinity Humans continually search for success. This success surfaces in forms such as fortune, fame, glory, et cetera. The American Dream encapsulates the ideals of the â€Å"New World,† bringing together not only the idea of limitless success, but also its newfound availability and encouragement for embracing the promise land. The Great Gatsby explores the American Dream and â€Å"the actual nature of this dream... the mannerRead MoreF. Scott Fitzgerald s The Great Gatsby1265 Words   |  6 PagesJay Gatsby and His Undying Love for Daisy Buchanan F. Scott Fitzgerald wrote The Great Gatsby in the midst of the roaring twenties, which was an age full of wealth, parties, and romance. Young people living in the 1920s were centered around wanting to find love so Fitzgerald, along with many other authors during this time period, focused his writing in The Great Gatsby on relationships and affection. Jay Gatsby, one of the main characters in the novel, is a very mysterious man, but there is oneRead MoreF. Scott Fitzgerald s The Great Gatsby1845 Words   |  8 Pages â€Å"You don’t write to say something, you write because you have something to say.† F. Scott Fitzgerald was one of the most remarkable writers of all time during the Jazz Age. He started to reach an accomplishment of success with This Side of Paradise and accomplished it with The Great Gatsby. F. Scott Fitzgerald’s novels take place back in the early 1900’s; he attempts to communicate knowledge to the elocutionist, in a sophisticated, but humorous way, that making it big is not uncomplicated. FurthermoreRead MoreF. Scott Fitzgerald s The Great Gatsby1720 Words   |  7 Pagesdriving force of evolution in humanity. It allows the aspiration of being able to do astonishing things, and proffers them prosperity in life. The Great Gatsby by F. Scott Fitzgerald delves into the American Dream and it’s demise. Fitzgerald focuses on the character of Jay Gatsby to materialize the false image that the American Dream created in the 1920’s. Gatsby is th e protagonist of the novel, and is famous for throwing massive parties regardless of the secret life that he lives. The narrator, Nick CarrawayRead MoreF. Scott Fitzgerald s The Great Gatsby1202 Words   |  5 PagesJay Gatsby and F. Scott Fitzgerald F. Scott Fitzgerald is an acclaimed American author, popularly recognized for his novel The Great Gatsby. In addition to his literary work, Fitzgerald is noted for his unstable personal life. Originally coming from a low-income background, he could not marry the woman that he first loved. Even when he met another woman, he had to acquire wealth to marry her; this drove him to publish his first novel. He married her shortly after. However, a couple years after, heRead MoreF. Scott Fitzgerald s The Great Gatsby1258 Words   |  6 Pages What Killed Gatsby? Love or Greed? To certain people, Gatsby’s death was a cruel and surprising conclusion to The Great Gatsby by F. Scott Fitzgerald. But there is still some mystery around the cause of Gatsby’s death. Upon meeting Gatsby for the first time, one can tell that he has an obsession centered around Daisy Buchanan, his old love, and was dead set on getting her back. Gatsby’s obsession with repeating the past is responsible for his death and Gatsby’s greed put him in a grave. FurtherRead MoreF. Scott Fitzgerald s The Great Gatsby1761 Words   |  8 Pagescould be the main focus of people who are going out on their own to create a family. However, F. Scott Fitzgerald took a different route in his most famous novel. Fitzgerald uses his book, The Great Gatsby, to show how the idea of the American Dream is slowly dying in the society he created. Although the American Dream was prevalent during the time The Great Gatsby took place in, F. Scott Fitzgerald went against the social norm of believing in this idea and revolved his novel around the idea ofRead MoreF. Scott Fitzgerald s The Great Gatsby1381 Words   |  6 PagesResearch Paper on F. Scott Fitzgerald’s The Great Gatsby F. Scott Fitzgerald’s The Great Gatsby portrays characterization corresponding with characters’ birthplaces, desires, and determination in order to devise their statuses. The narrator, Nick Carraway, is disparate from others due to the place he grew up which is exemplified when he moves to New York from the Midwest. Tom Buchanan satisfies his desire for love by having women in his life as well as his wife Daisy. Jay Gatsby and Daisy Buchanan

Deception in The Storm and The Story of an Hour Essay

Thesis: In Kate Chopins The Storm and The Story of an Hour, the wives seem to share the foul qualities of selfishness, unfaithfulness and confusion. I. The most common element found within both pieces of literature is that both women seem to be greatly selfish. A. In The Story of an Hour, Mrs. Mallard seems to be overwhelmed with joy because of her husbands death. B. In resemblance to Mrs. Mallard, Calixta, the wife in The Storm, is also immensely selfish. II. The second most obvious theme throughout both stories is their unfaithful commitment to the sacrament of marriage. A. Mrs. Mallard was never physically unfaithful, but mentally and emotionally she lost herself in the idea of her new life without her†¦show more content†¦The Story of an Hour involves one married couple and when the wife, Mrs. Mallard, hears her husband has died in a railroad disaster she breaks down into tears. Moments after sitting in her chair weeping she begins to feel free to do as she wants now that he has passed on. As she approaches the stairs in her home the door opens and her husband stands alive and well. When the doctors arrive they say Mrs. Mallard ...had died of a heart disease-of joy that kills. In both of these short stories the wives seem to share the foul qualities of selfishness, unfaithfulness and confusion. The most common element found within both pieces of literature is that both women seem to be greatly selfish. In The Story of an Hour, Mrs. Mallard seems to be overwhelmed with joy because of her husbands death. Instead of mourning in the loss of her husband, she gloats in the thought of joy and freedom. Chopin writes, spring days, and summer days, and all sorts of days that would be her own. In resemblance to Mrs. Mallard, Calixta is also selfish. Calixta, with very little resistance, fights her temptation to be with Alc#233;e but soon gives in to a sexual affair. Only vaguely do Mrs. Mallard and Calixta show any sympathy for their husbands. The second obvious theme throughout both stories is their unfaithfulness to the sacrament of marriage. Mrs. Mallard was never physically unfaithful, but mentally and emotionally she lostShow MoreRelatedA Hour By Kate Chopin1269 Words   |  6 Pagesrepresentation of marriage and gender parts portrayed in the America short stories the Necklace by Guy De Maupassan The Short story of a Hour by Kate Chopin are short stories which uncover many viewpoints seen in the human intuitive convictions. These stories demonstrate how the male characters assume the primary part in marriage as the dominant ones and their partners, the females taking up the weaker parts. The women in these stories are portrayed as unsteady person who are inclined to fantasy, feebleRead More A Thousand Acres as Movie is Melodramatic and Bogus Essay1017 Words   |  5 PagesAcres may simply be one of those books that cant be made into anything but a plot-driven movie-of-the-week. Although the first half hour is reall y dreadful, with its hokey plot-establishing voice-over and choppy, melodramatic action, its not easy to imagine how director Jocelyn Moorhouse and screenwriter Laura Jones could have better compressed all the necessary story elements. But theres no forgiving their bowdlerizing of Smileys slo-mo psychological horror show, giving it a kinda-upbeat endingRead MoreFeminism During 19th Century American Short Stories4097 Words   |  17 PagesKaylee Gould Ms. Henderson 3rd period Feminism in Late 19th Century American Short Stories Research Question: How is feminism revealed through the divergence of women’s roles in society and their own personal desires in the American short stories â€Å"The Yellow Wall-Paper,† â€Å"The Story of an Hour,† â€Å"The Storm,† and â€Å"Life in the Iron Mills†? Introduction Literature changes as current events change and as the structure of society begins to shift. American feminist literature started to become prevalentRead MoreEssay about The Importance of Chapter 23 of Jane Eyre2814 Words   |  12 Pagesday of the year and the night was calm and pleasant. Charlotte Bronte links the nature of the setting; It is peaceful in contrast to the tension of the scene, to the weather; it is calm and quiet at the beginning of the chapter but at the end a storm is brewing, just like Jane and Rochester’s relationship. This is what is known as a pathetic fallocy. Jane feels comfortable in the garden of Thornfield; she may have finally found some peace after her life at Gateshead and Lowood. This shows meRead MoreAnalysis Of The Great Gatsby 1645 Words   |  7 Pages At the end of the novel of The Great Gatsby, Nick recounts all the things that had just occurred and says â€Å" I see now that this has been a story of the West, after all —Tom and Gatsby, Daisy and Jordan and I, were all Westerners, and perhaps we possessed some deficiency in common which made us subtly unadaptable to Eastern life.† Nick says it was a story of the West because they all had the common trait of being lured and accustomed into the Eastern style instead of their origins in the West. TheRead More La-La Land American Ignorance Essay2014 Words   |  9 PagesSaddam Hussein may have a stockpile of weapons of mass destruction hidden somewhere in Iraq. But this is about as far as their familiarity with foreign affairs extends – they may not even be able to point out Baghdad on a map or what territory Desert Storm covered. They probably cannot even identify the events that occurred at Tora Bora or name our allies in Afghanistan. Why are most of us ig norant in international affairs? Why do peoples of foreign countries stereotype Americans as clueless? WeRead MoreLove Is A Beautiful Thing2016 Words   |  9 Pagesthat is not the case for Laura Kipnis. Laura Kipnis in her story, â€Å"Against Love†, proves to us that love has being overrated and the deception in marriage. The life lesson I learned is that not all that glitters is gold. It shows that there are so many things that happens behind closed doors in marriage but just that we see the beautiful and nice ones every day. In Laura Kipnis’s story she talks about love, marriage and infidelity in her story. She elaborates and explains love in her own point of viewRead MoreGimpel the Fool6320 Words   |  26 PagesThere are a variety of different conclusions that one can reach in interpreting the story of Gimpel the Fool. The story draws its roots from the deep Yiddish background of the author, Isaac Bashevis Singer, and it deals with the traditional ―foo lâ€â€" archetype dealt with so often in the culture. The very archetype is plagued with irony, as the fool is typically seen as coming out on top of all of the others in the story, making them seem as the fool rather than the ―foolâ€â€" himself. Gimpel the Fool followsRead More History of War Coverage Essay2207 Words   |  9 Pagesthe United States. With the development of portable 16mm film cameras and lightweight audio equipment, television crews can go anywhere. The footage is shot, transported by airplane to the United States, edited and on television within forty eight hours (newseum.org). The war began to deteriorate a once strong relationship between the press and the military into somewhat of a hatred towards each other. 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Recording Artist/Producer Career Development Plan free essay sample

Target Finish Date: Date Achieved: Performer Recording Artist I have always had a passion for music, since II was little, I have learnt various instruments, including Violin, Drums, Bass, Lead Guitar and Rhythm Guitar. I spent a while focusing on each of these from a young age growing up, at one point all I played was an electric guitar. After a while I threw the guitar down and picked up an acoustic, from that day I havent looked back, so to speak. I always had a lot of time for eat boxers and voice percussionists. I have been practicing different techniques of this since I was around 15 years old; and always had the idea into my head that if I could record the voice percussion on the spot live, and sing/rap and play the guitar at the same time, it could be mind blowing. I invested in a looping pedal, which enables me to loop vocals like voice percussions, harmonies and guitar at the same time. So I can build a backing track on the spot. I also have a vocal processor pedal. The pedal comes with 35 different presets which include reverbs, harmonies on 3rd and thats, , 4 or 6 voices and various modulation effects.Which is another weapon to my arsenal. With the equipment I had, and the ability and confidence in myself. I decided not to hold back any longer. And to get out and perform. Dating back to Summer 2011 1 had little experience in performing in front of live audiences, I overcame this by playing several local open mimic nights to gain experience and to start developing a venue repertoire, which would help me in the future, in terms of booking bigger venues/Audiences For the past SIX months I have played at various venues, In front of a wide range of audiences and judges. Mom of which have had chart topping singles and featured on platinum selling albums) The following is a backlog of my progress so far. October 2011 Since my first Independent gig, I passed auditions Into an open mimic night competition. I have practiced constantly, slowly but surely placing together a settles. November 2011 Since my last Log, I came third out of 14 people in the semi finals of the Open Mimic Night Competition. I was also booked to play a birthday party while still playing open mimic nights every weekend. December 2011 Fresh out of the Open Mimic Night Final, in which I placed third out of 8 people.I was told about another competition which was being held in Northampton, at the Nabs Sports Bar. I also placed third in this competition where I won a cash sum of OHIO. I Nas also booked by Real Music MS to play Blithely Park Christmas Festival, taking two sets over the weekend. Stage fright is becoming less of an issue lanyard 2012 In late December I was asked to play a private function for the staff of Son Bar at the Escape dome in Milton Keynes, for their belated Christmas party. It didnt go to plan as the looping pedal which I use decided to give up on life, which I hadnt experienced before. So it threw my off, needless to say the set ended badly. February 2012 February was a quiet month, with only a few open mimic nights, still progressing. Im starting to feel more confident on stage now. March 2012 March was also quiet, I took time out to work on a new set Present At present I have a number of gigs booked for the summer, including twice where I support Liftoff Shillings, better known as The Artful Dodger as well as being booked to play a private function for Ted Baker in Covent Garden. I also have my first self promoted and self booked paid gig, in Binary.My contract for ARMS (Real Music MS) management, and Real Music Records is currently in the process of drafting up. I feel that I have come along way in the last 6 months, and that to further my ability and to obtain a broader following, I need to start booking gigs in areas outside of Milton Keynes. Reaching to the main counties around the area, and gradually expand outwards. I currently study Music Technology at the University of Bedsores at a Foundation Degree level. There was a point in which I had a decision to make: To go becoming successful in music.So I took the opportunity of attending university. My intentions were to further my knowledge and experience in Music technology so that in future I could use those skills productively and to my advantage. Further Development Targets Specific After the progress, and in some ways success I have established over the past 6 months, I still feel that I have a lot of growing to do in terms of: -Perfecting a steeliest ;Stage performance *Visual performance -Vocal performance -Show Promotion (self) -Gig Booking (self) would really like to pursue all of these characteristics of performing. Old also like to go into Production. With the ability to Produce various genres, from hip hop to acoustic. The FdA Music Production side of the Level 4 course I attend will be beneficial to me, if I decide to go into this area of the industry. I feel that without my degree, I will always be at a disadvantage to others who do have it, so my main production goals are: -To Graduate with the best Grade I can ;To start producing from home at a high level My dream is to achieve these goals.Measurable Practice makes perfect, in terms of a steeliest, Mils sure I could perfect one within two months of practicing twice a week, and maintaining the practice intensity there on out. My soon-to-be Manager is supplying me with a stage awareness and stage craft course I hope to be at the level I would like to be at within 3 months of an hour a eek classes. ARMS are also supplying me with free vocal tuition. I can start booking shows and promoting myself when I have a high standard repertoire, of gigs I have played and money for promoti on. Id like to give this six months. If I choose to continue working hard at the highest standard I possibly can. Then I will e able to overcome that disadvantage. I will graduate with the best grade I can achieve within the next four or 5 years. I also need to start looking at universities I can attend once my Foundation Degree ends, to top up my Degree in which field of the industry I choose to go in, at that time. Depending on the course I choose to take, and the area I choose to study further in.I should get my Full Degree 1-2 years after I have Graduated from the University of Bedsores at the end of 2013. Achievable can make sure my performance skills improve by sticking to a strict regime of reactive and using the classes that ARMS are supplying me with to my full advantage. By attending all classes when remotely possible and to make sure I understand all topics relating to assignments that have been set. Assignment Submission Punctuality and a high standard of work or essential to go further into my musical career.Realistic Its apparent that I have my work cut out for me and that its going to be extremely Challenging. Having said this I feel that if I put time aside to finish assignments on time to a high standard; and practice thoroughly. I will comfortably press on and be successful, as well as be accepted into a University that I feel will help me be the best can. Rime Based As I feel Education and Performance should interact with each other, I am going to give myself a 5 year timescale to complete the tasks I have set myself. My Timescale is on a basis of how many years in higher education I may have left, depending on course type and length, as well as how long it may take me to fully achieve my Performing aspirations. It may take me longer as I may not be able to attend all classes and practice with the amount of assignments set for me. Skills I have learnt from FDA Benefits Advanced Logic skills Can help with Music production in later life. Music for film n depth If II wish to carry out Music For Film, this has given me the foundation point of any Production for Film.Audio manipulation Extremely useful in production! Recording techniques Highly useful in production! Microphone selection Essential for recording Live Instruments Microphone positioning Essential for recording Live Instruments Microphone positioning Essential for recording Live Instruments Mixing recorded instruments Highly inefficient for production of all varieties Mixing Midi Beneficial for production of all rarities Perez Software Fre e presentation software, which is internet based Musical terminology Useful when discussing various musical techniques.Characteristics of different musical genres Makes different genres easier to produce/define. Harvard referencing Useful in business situations Better Time Planning Extremely beneficial in future day to day life. Preferably, on the second year of my FdA Course, I would like to go further into advanced mixing techniques, Introduction and development of Pro Tools skills and a elf produced track or e. P assessment, where I would have to write, record, mix and master and e. To a high standard. As well as Professional Production Techniques and to go on and develop knowledge in Live Sound so that I have a wide range of skills to go into the music industry with. Feel that this year on the FdA Music Tech course could have been improved by a performance, as I studied a level 3 Music Technology course at the same location under some of the same tuition as I have this year. I hope that next year will meet the aspirations that werent met this year.