Housing Loans Are Available For Low Income Group Of People...

Housing grants loans are available for low income group of people. These are financial aids that are provided by the government to help needy people get the advantage of financial assistance from the government. These grants help people make their homes safe and comfortable so that they can live with their families in a better living condition. There are direct loans that are available with the help of government so that people in rural areas are able to remove the health and safety hazards. There are different types of loans and grants available for people to help them have a good home. If you are interested and need some home repair or improvement, you will have to find the right grant that is most suitable and relevant to your needs. Look for them on Internet and visit only government website so that you get complete and legitimate information regarding all the grants that are available and accessible to you. You can also look for loans that are provided by the government and are either low interest loans or sometimes no interest loans also depending on your financial condition and some other factors as well. Housing grants loans are not only available by the government but also through various private and non-profit organizations. You can search for as many grants as you want and apply for those that are suitable and for which you qualify. Qualifying factors are different for different grants and you should take care of these points, as they are very important. Some ofShow MoreRelatedNew Opportunities And Safe Loan Standards For Home Ownership1323 Words   |  6 Pagesof 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 st andards for home ownership. â€Å"Like a boomerang,† a Sarasota Herald Tribune article describes â€Å"†¦recession-battered [boomerangRead MoreEssay On Rural Housing Grants715 Words   |  3 PagesDo You Qualify for Rural Housing Repair Homes and Grants? There are basically three loan programs available to home buyers looking to buy a property in a rural area. These programs are (1) Single Family Housing Guaranteed, (2) Single Family Housing Direct, and (3) the Multi-Family Housing. The programs are designed to allow eligible applicants to buy or repair homes in rural areas. All the loans fall under the United States Housing and Urban Development umbrella, otherwise known as HUD. HoweverRead MoreCurrent Economic Conditions Of The Usa Is Characterized By Slow Growth And Deteriorating Household Net Worth1095 Words   |  5 Pagessobering challenges to latent homeowners with low incomes, incomes shrinking and rent inflation have been experienced by renter households since the economic recession, and there has been a rise in the number of renters among the severely housing cost-burdened. [1] The price of houses is not within reach for many families because they do not have sufficient cash for down payment and closing costs. Moreover, they cannot pay down debts; their credit scores are low, and they have higher borrowing costs. Read MoreThe Financial Crisis Of 20081689 Words   |  7 Pagesdomestic product is up. People have jobs and are paying taxes. President Obama lowered our budget deficit and promised to make healthcare more available to all. On average, America is well on its way to recovery. But what about the people that slipped through the cracks of the financial stimulus plan? These are the people that lost their jobs, and subsequently their homes. These are America’s impoverished and homeless. Homelessness now contains a bigger spectrum of people than ever before. This populationRead More4.1 Explain the Principal Sources of Finance for Property Development947 Words   |  4 Pagesneeded to begin your first project, you do need to consider your finances objectively and with a view to the economy perhaps taking a second dip. Loans from banks or family may get you happily started on your first project with repayments appearing within a comfortable affordability range – however, redundancies are common place as are drops in income. We are constantly reminded that homes can be repossessed if we cannot afford to keep up the repayments. Those gloomier aspects aside, there is aRead MoreFlorida s Economic Failure : Florida1148 Words   |  5 Pageslike the perfect place to raise a family. The state of the economy in Florida is far from perfect and many of the middle to lower income families that often relocate to Florida hoping for a better life, often struggle to main tain a place to live and a decent wage. Florida residents are struggling to maintain a basic standard of living with the housing market and low wages in this state. Often news reports suggest that the economy is getting better in Florida, but many households are strugglingRead MoreThe Note On The Banking Crisis1254 Words   |  6 Pagesbe able to loan potential homeowners money to purchase their homes. The Federal Home Loan Mortgage Corporation (Freddie Mac) was created in 1970 to buy mortgages, repackage them, and sell them to investors. With the creation of these institutions, the concept of securitization was introduced, and the dynamics of banking changed dramatically. Prior to the 1970s, bankers knew their customers, and borrowing was a simple process. When people wanted to buy a house, they applied for a loan from their localRead MoreChild Poverty : An Increasing Number Of Families1139 Words   |  5 Pagessociologist Peter Townsend in 1979 who defined poverty as; ‘In dividuals, families and groups in the population can be said to be in poverty when they lack resources to obtain the type of diet, participate in the activities and have the living conditions and amenities which are customary, or at least widely encouraged and approved, in the societies in which they belong.’ 2 Child poverty within Britain is the limited income which causes families to be unable to provide the essential resources needed toRead MoreLack Of Income Or Insufficient Education1601 Words   |  7 Pagesstudies have shown that lack of higher education is another reason family’s lack the necessary income to afford housing. In lower income families only a small percentage of individuals go on to college after high school. Those without a college degree make significantly less than those who do have one. This lack of income limits the housing they can afford. Moreover, the open waiting list for Public Housing varies from state to state. For example, there is 1 open waitlist in Alaska, 13 in Arizona,Read MoreUrbanization in Developing Countries: India1732 Words   |  7 Pagesapproach of low-income housing policy adopted by the government in the five year plans viz. the Rajiv Gandhi Awas Yojana. The paper will also include the impact of this housing scheme on the improvement of slum areas. The idea of ‘slum-free cities’ has dominated the housing policies in India for long. This concept has been adopted in a prototypical manner for all cities and geographies without much compassion for the users, and consideration of the reality of the varying land and housing market conditions

Alcoholism A Serious Issue - 1311 Words

Alcoholism has become a serious issue in the United States, especially with adolescence. It seems that this epidemic is reaching children at a young age, and treatment for this disease is questionable. People turn to alcohol to escape and not feel whatever it is that they are going through. Most alcoholics drink because they cannot deal with being sober, and eventually they drink to overcome the severe mental craving for alcohol. Alcoholism destroys families, it affects everyone close to the alcoholic in a negative way, and work/school suffers. Relationships suffer due to alcoholism, and often the alcoholic loses family and friends. Each year, approximately 5,000 young people under the age of 21 die as a result of underage drinking; this†¦show more content†¦Alcoholics Anonymous’ Twelve-Steps are as follows: 1. We admitted we were powerless over alcohol- that our lives had become unmanageable. 2. Came to believe that a Power greater than ourselves could restore us to sanity. 3. Made a decision to turn our will and our lives over to the care of God as we understood Him. 4. Made a searching and fearless moral inventory of ourselves. 5. Admitted to God, to ourselves, and to another human being the exact nature of our wrongs. 6. Were entirely ready to have God remove all these defects of character. 7. Humble asked Him to remove our shortcomings. 8. Made a list of all persons we had harmed, and became willing to make amends to them all. 9. Made direct amends to such people wherever possible, except when to do so would injure them or others. 10. Continued to take personal inventory and when we were wrong promptly admitted it. 11. Sought through prayer and meditation to improve our conscience contact with God as we understood Him, praying only for knowledge of His will for us and the power to carry that out. 12. Having had a spiritual awakening as the result of these steps, we tried to carry this message to alcoholics, and to practice these principles in all our affairs. In working these twelve steps, people will grow spiritually without even knowing it. It changes ones perspective on the world and the people in it. Suddenly, old ideas are cast to one side, and a new set

Anonymity in crowd behaviour free essay sample

Crowd behaviour has long been a point of interest for social psychologists. Psychologists have looked at how people exhibit different behaviours when they are part of a crowd. The anonymity of a crowd allows people to assume a mask which permits them to behave in a manner which is untypical for them. This can be demonstrated in both negative and positive roles, such as people rioting in a mob, as well as fans cheering for their football team. Both of these may not be characteristic behaviours for the individual, but have been spurred on by the collective behaviour of the crowd. Crowd behaviour can have tremendous political, social and practical ramifications, as evidenced from the enormous power mass protests can wield. Le Bon (1895) was the first person to introduce the concept of a ‘group mind’. His work came under much criticism, but it influenced social psychology in many ways, with later deindividuation theorists building on his work, as well as the social identity theory viewing crowd behaviour from another aspect. This essay aims to evaluate if anonymity in crowds is associated with a ‘loss of self’ according to all of the above perspectives. Le Bon’s (1895) paper was a groundbreaking text in discussing crowd behaviours. Le Bon did not like crowds, and viewed them as primarily regressive in nature. He believed that an individual’s rationality is lost in crowds and people act impulsively. Le Bon claimed that crowds exert enormous power over the individual and their behaviours become submerged by the ‘group mind’. This causes them to regress to an animalistic state where they experience their unconscious aggressive instincts. Le Bon argued that crowds allow members to feel anonymous, and thus less personally responsible for their actions. Le Bon named this process contagion which is the propensity of behaviours exhibited by one person and copied by the crowd. Le Bon believed that the anonymity was what allowed contagion to happen. Le Bon understood crowd behaviour from an external perspective as a crowd observer. (Dixon Mahendran 2012) Le Bon’s ideas have been criticized for their lack of empirical evidence to support his views. In particular his idea of a ‘group mind’ was difficult to comprehend, and in 1952 Festinger et al. suggested the concept of deindividuation. Deindividuation is described as a ‘sense of anonymity’ which diminishes people’s individual responsibility and allows members to behave in impulsive ways dictated by the crowd. They defined measurable points to gauge the shift in individual’s behaviours when in a crowd. Several other psychologists including Zimbardo, Deiner and Prentice-Dunn further developed this concept of deindividuation. According to them certain structural features such as anonymity, arousal, external focus and group cohesion lead to deindividuation. This creates a loss of self and diffusion of responsibility resulting in unsocial behaviours often untypical for the individual. However critics of deindividuation argue that the negative aspects of crowd behaviour are exaggerated, and it is difficult to infer crowd behaviour from an outside researcher observing the crowd rather than an individual immersed in the crowd. Additionally they point out that crowd behaviour is often more socially regulated than individual behaviours. This leads to a further perspective on crowd behaviour; the social identity theory approach developed by Tajfel and Turner (1979). According to this perspective individuals act in terms of their social identity and assume a collective self. As opposed to anonymity and reduced responsibility, social identity theory perceives crowd behaviour as more socially constrained with members acting in ways that express group norms. The crowd rather than being an anonymous group is a cause of social pride which helps form the identity of the individual. The question is whether anonymity in crowds is always associated with a loss of self. Zimbardo (1969) investigated this in a famous study where he divided a group of female students into two groups. One group wore plain clothes and name tags, and the second group wore cloaks and hoods with no name tag. The participants were required to act as teachers and administer an electric shock each time the learner made a mistake. It was found that the group wearing cloaks gave much stronger shocks than those retaining their identity. This indicates that the anonymity had increased their aggression and perhaps allowed them a loss of self. Further support for correlations of aggression and anonymity can be found from Mullen (1986). (Dixon Mahendran 2012) Mullen examined newspaper accounts of lynch mobs in the USA and found that in a larger crowd, more people were killed. At a first glance it seems like deindividuation had occurred and crowds do lend themselves to a loss of self. However in a bigger group of lynch mobs there may simply have been more aggressive people present. Additionally people may be injured by the force of the crowd as opposed to deliberate aggression. Additionally often evil unscrupulous people take advantage of the anonymity of the crowd to behave in ways they would not otherwise get away with. Additional research on anonymity and crowd behaviour by Freedman and Perlick (1979) examined contagious laughter in crowds. They found that when a larger group of people were watching a videotape of an attractive woman ‘smiling a lot and laughing’, they laughed much more than when a smaller group of people were watching. The mood and behaviour of one person was spread through the group the process Le Bon called contagion. Gergen, Gergen and Barton (1973) also researched crowd behaviour where they placed groups of mixed – gender strangers in either a well lit or darkened room. After an hour the participants in the darkened room had developed a sense of intimacy with one another. (Dixon Mahendran 2012) It seems like the anonymity of the situation had allowed them a greater sense of freedom. However the question to consider is whether this would constitute a loss of self, or a freedom from the norms dictated by society. Moreover the cues embedded within the social context seem to play an important role in demonstrating how anonymity in crowds will affect the individual. Research by Johnson and Downing (1979) proposes that anonymity leads to conformity of the groups norms. In a replication of Zimbardo (1969) they had participants dressed in either Ku-Klux Klan robes, or nurse uniforms and had them give electric shocks to the learners. Those dressed in the Ku-Klux Klan robes administered significantly higher shocks than those in the nurse’s uniforms. This suggests that each participant was conforming to the norms of their group. Hence crowd behaviour may be associated with a loss of the individual self. Recent research has shown that crowds can accomplish great feats in challenging social injustices as well as empowering communities. The crowds can become agents for social change, implying that crowds are not all about a loss of self and displays of aggression, but rather that crowds can have positive impacts. When examining behaviours of football fans it can be observed that there is an almost collective spontaneity between the groups. This behaviour is unlike contagion which expresses an irrational behaviour among the crowd. This is a crowd responding to the social norms within their ingroup, with conformity depending on how strongly they identify with their ingroup. The recent 2011 riots in England could be examined to demonstrate how crowd behaviour could be understood from different perspectives. The initial impetuous for the riots was when a peaceful demonstration about the shooting of Mark Dungan was met by riot police and a female teenager was hit as the police tried to disperse the crowd. Following this there was enormous looting and arson as well as violence in many cities in England described as a classic anti-police riot. The government responded with harsh recriminations and received analyses from scientific experts. Levine (2011) explained that in crowds people abandon their personal identity and loose all sense of individual responsibility. This is in line with both Le Bon’s group mind theory as well as the deindividuation perspective, that the group and anonymity is the cause of reduced responsibility. Reicher and Stott (Dixon Mahendran 2012) offered another explanation. They explained that there is an underlying rationality amongst crowds where the people become part of a greater cause as opposed to experiencing a loss of self. The crowd switched to social identity mode, and thus it was all about defending the injustice the police had inflicted on their community. The collective crowd felt confrontation was the only way to stand up for the perceived discrimination. In sum anonymity seems to play a role in the theory of crowd behaviours. Le Bon introduced the idea of a ‘group mind’ he believed that the anonymity of the crowd allowed contagion to occur. Later deindividuation theorists refined his theory and said that anonymity diminishes individual responsibility and gives room for people to behave in unethical ways. However social identity theory did not agree and suggested that the individual assumes a collective self and behaves in ways associated with the groups norms. From all the research it is evident that crowds are not always associated with a loss of self, as sometimes the individual shifts to become part of the collective self. It would seem like in a situation of aggression such as a riot, crowd behaviour is much more likely to cause a loss of self than in a more sociable setting such as a football game. Additionally whereas the riot may begin as group of people working for social justice, crowds lend themselves to other people joining and it may eventually becoming a group of people who experience a loss of self and the initial idealistic vision of change getting lost.

Mother Tounge free essay sample

Chinese-American, who grows up speaking Chinese and English (many different forms of English). She talks about how not being able to speak English can create some real difficulties. She tells stories about how her mother spoke, what she calls broken English, and how it affected her everyday life, as well as her daughters. At first she was ashamed of her mothers English, and that if reflected the quality of what her mother was trying to say.In this story Amy Tan ants to present her position and belief in a rational and effective way. Her purpose of Mother Tongue is to explain how the various languages that she has used with her mother were important and influential in her life. She explains that even though immigrants whose native languages are not English are unable to speak English fluently to express their thoughts and opinions, their thoughts are not unimportant and incorrect. We will write a custom essay sample on Mother Tounge or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page Amy Tan wrote about her and her mothers experiences to support her point.She talks about the video to explain about mothers talk style these evidences are very effective because it makes the readers to sympathize with the author. Towards the end of the story I feel like her attitude changes, and she becomes inspired by her mother, and started writing things not in English, or Chinese per-say, but in a way that showed passion, imagery, the rhythms of her mothers speech, and the nature of her mothers thoughts. She knew she had succeeded when her mother finished reading the book and said So easy to read (p. 4).