“The Collector of Treasures” by Bessie Head Essay Research Paper Example

â€Å"The Collector of Treasures† by Bessie Head Essay Paper Bessie Head was born and reared in from South Africa. She is the writer of â€Å"The Collector of Treasures. † Many points that she depicted in her narrative were about the oppressive attitudes some work forces had about adult females and kids and how society outcast certain adult females based upon what happened in their lives or upon what they could or could non make. In this narrative. â€Å"The Collector of Treasures. † Dikeledi. a strong and resilient characteris married to a adult male named Garesego who is a womaniser. Garesego believed that everything had to be about sex. He did non take attention of his duties as a adult male. Head described him as the type of adult male who had sex with adult females like Canis familiariss. out of canal lecherousness. Out of the four old ages that they were together. Garesego got Dikeledi pregnant 3 times and left her. He did non go forth and travel to another small town. he stayed in the same small town and did non take attention of the boies he helped convey in the universe. On the contrary. Paul is wholly different from Garesego. Paul is portrayed as the adult male who cares about his adult female and treats her like a individual. He is at that place for his married woman. Kenalepe. and their kids. Sing Paul dainty his married woman like a individual was something new for Dikeledi and seeing that type of action from a adult male to his married woman led Dikeledi to seek to speak to Garesego. We will write a custom essay sample on â€Å"The Collector of Treasures† by Bessie Head Essay specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on â€Å"The Collector of Treasures† by Bessie Head Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on â€Å"The Collector of Treasures† by Bessie Head Essay specifically for you FOR ONLY $16.38 $13.9/page Hire Writer Garesego is your typical male. so when Dikeledi asked him for money to take attention of their kids. he expected sex in return. Dikeledi had another program in head. Her mentality in this scenario was that Garesego phallus is the lone thing that makes him different from her and he used to command adult females. Therefore. when she castrated him. non merely did she kill him. she made him her equal. Garesego was a adult male who did non hold any regard for adult females. He used them as sex objects and threw them off when he was done. In Dikeledi’s experience. he used her one excessively many times. Without his phallus. Dikeledi felt he could non ache anyone any longer. particularly her. She had watched him handle her wronglongenough every bit good as other adult females. Dikeledi felt that without his phallus. Garesego and she would be on the same degree. This narrative is entitled. â€Å"A Collector of Treasures† and Dikeledi was decidedly a aggregator of hoarded wealths. Even though throughout the full narrative. she had nil but grief after grief and bad things done to her. nevertheless. she did non allow that impact who she was destined to be. Dikeledi was non the ordinary lady. she was stronger than the mean adult female and cognize how to make everything the mean adult female and adult male could. That is one thing she treasured. Dikeledi besides treasured the fact that she could make what she needed to make to do certain her and her household was taken attention of. Dikeledi treasured the fact that she was a strong. independent adult female. Dikeledi’s name meant â€Å"Tears. † Throughout the full narrative. Dikeledi neer shed a tear whether it was felicity or unhappiness. She valued her strong willed head and her finding to make the incredible. Due to the fact that she was a strong adult female likely meant that she caused person else tears. but non herself. There are some dry points in this narrative. One is that the protagonist’s name was Dikeledi and you pronounce the beginning of her name as â€Å"Dick† which is a slang name for phallus. Besides. the writer of this narrative name is Bessie Head and Dikeledi had a good â€Å"head† on her shoulder. Dikeledi was a aggregator of many hoarded wealths and she added her husband’s phallus to the aggregation. Throughout Dikeledi’s difficult life. she has looked beneath the surface and collected little hoarded wealths. and these gave her the strength to travel on.

Livestock Disease and African Food Security essays

Livestock Disease and African Food Security essays Livestock Disease and African Food Security A serious problem in Africa today is the emergence of rampant, deadly strains of disease that are affecting livestock and ravaging populations of pigs and cattle in many African nations, putting food security at risk in many populations of various nations. With already major food scarcity issues among many emerging African nations, disease will only further pressure an already dire situation for food security in Africa. Livestock play important roles in farming systems, which provide primarily food and income, which is necessary for food security. Nearly 12 percent of the world populations rely solely on livestock for its livelihood. (4) The latest outbreak of African Swine Fever (ASF) in the West African island nation of Cape Verde threatens the country's entire pig population, according to a 1996 FAO report. The disease has been endemically present in at least part of Cape Verde archipelago since 1985 - with peaks of morbidity/mortality twice a year, in spring and winter. (1) ASF is caused by a particularly resistant virus and is a potentially devastating disease. Very few pigs survive infection and those that do are contagious. ASF is endemically present in wild pigs in southern and eastern Africa in a cycle including infected domestic pigs, soft ticks and wild pigs. (1) In various ecosystems of Central and Western Africa there are huge outbreaks of this disease among domestic pigs and the disease occurs elsewhere in Africa. In all areas, infection is most common as a result of contact with infected, recovered or carrier pigs and ingestion of contaminated or infected garbage, urine and feces. Various strains ha ve occurred in different regions due to the increasing use of non-indigenous pigs, which are particularly vulnerable to this. Animals are being shipped by road and air and are not being quarantined properly if at all. This threatens any country that relies on livestock fo...

Discuss the meaning of the word of God as treated in the Old and New Essay

Discuss the meaning of the word of God as treated in the Old and New Testaments - Essay Example According to the traditional principles of Christian religion, the writings and the principles of their selection were controlled and inspired by the Holy Spirit, performing the words of the Lord to lead His followers to the truth. The Christian Church needed to know what books of the collection were divinely inspired. The Gospels, containing the information about Jesus, his doings and lessons, couldn’t be jugged as having less importance than the Old Testament. The Acts and Epistles comprising the teaching of the apostles are also regarded as created under His control. Thus, the teachings of the apostles were treated with the same respect as the ancient prophetic writings. The Church then broke with Judaism and rejected the authority if the Old Testament, but regarded it as the Word of God, taking Jesus and His disciples as example. The New Testament consists of twenty-seven writings, referred to eight authors. Six of them are believed to be apostles – Jude, James, Peter, Paul, John and Matthew, and the other two are their direct followers, Luke and Mark. If these books are regarded from the point of view of the literature and from the historical point of view, they would be observed as didactic books including Epistles, prophetical book, that is Apocalypse, and the books on the historical topic – Gospels and Acts.(2) The date of the origin of the Old Testament is referred to 2500-3500 years ago. It is assumed that it was made by the people with a culture and traditions quite different from the nowadays society. Inspite of the strong traditional links, which the Christian Church keeps within the ages, the Word of God, being read by a modern reader is judged differently compared to perception of the readers of the Medieval, and of course, of the authors, created the writing. Our interpretation and understanding of an ancient text

Strategic Plan Part III Financial Plan of Health Care Organization Term Paper

Strategic Plan Part III Financial Plan of Health Care Organization selected in part 1 and 2 - Term Paper Example Financial planning provides projection of expected expenses and income aimed at establishing the project feasibility. Financial planning helps eliminate doubts regarding the success of projects through the provision of viable information regarding financial income and expenditures. The Bayshore hospital financial plan aims at establishing the costs for initiating the intended changes following formulation of a strategic plan. Numerous elements are considered in developing the financial plan to enhance detail accuracy of the provided estimations. The financial plan could be divided into two main sections of expenses and income (Ireland, 2006). Though these figures have been estimated, these predictions include market based values of item costs. Utilisation of market based costs should ensure closeness of the estimated budget to actual figures during operation. The budget presented here is an expansion project concerning diagnostic imaging project, intended for introduction into the hospital. These allocations can, therefore, be identified as departmental allocations for the diagnostic imaging department. The expenses section of this financial plan includes all the expected activities that shall involve the use of capital available at the disposal of the hospital. During the initial stage, a capital outlay of 2.5 million shall be invested into the purchasing of equipment and setup of the essential amenities necessary for undertaking the required diagnostic procedures. This shall become the overall project capital investment. Salaries of employees to be hired have been considered as the main expense. Salaries constitute the largest section of the budgetary allocation. Within this financial plan, they constitute 65% of the revenue collected from the project. 4% Salary increments are expected to be implemented during the third year, hence increasing

Finance D 1-4 Essay Example | Topics and Well Written Essays - 750 words

Finance D 1-4 - Essay Example In situations where a company is highly dependent on international sales the firm must utilize advanced financial tools such as hedging in order to diminish the exchange rate risk. Hedging is protecting a long position in one asset while being short in another in order to reduce overall risk (Teweles & Bradley & Teweles, 1992, p.537). A country such as Afghanistan is a third world country / developing economy with major problems for potential investors from United States or any other G8 developed nation. In the case of the United States the current War on Terror declared by George Bush Jr. created a cultural barrier for American companies to penetrate this market due to resentment from the population against anything that is American. In general terms the civil warfare that continues in this nation due to the Holy War makes it a security risk for any company due to suicidal bombers and other Para-military activity. The economic state of this country is weak, thus its citizen have a lack of purchasing power. Three countries that should be targeted by United States corporation as foreign direct investment opportunities are India, United Kingdom and Japan. India has the second largest population in the world after China with over one billion inhabitants. The size of the market is huge which is a good characteristic. Another thing that makes India attractive is the educational level among the population which is good and the fact that the country has an establish infrastructure to export professional services via a telecommuting system. A second country that is good target for international expansion of American firms is the United Kingdom. The monetary unit of the UK, the pound, is one of the strongest units in the world. The culture of the UK is very assimilated with the US culture which is a very good factor. The United Kingdom has a population of 60,776,238

Case study: Aging Mind and Memory

Case study: Aging Mind and Memory abstract Hearing loss is one of the most common problems of aging affecting older adults. Hearing loss, in particular happens for many reasons. The purpose of this research is to find the age related causes of decline in cognitive functions and hearing abilities of older adults Research indicates that loss of hearing is a serious condition faced by almost one third of aging adults. Hearing loss also has an impact on the cognitive function. This results in forgetting and memory loss. Hearing aids can help improve the quality of life for aging individuals as it betters the hearing process. Hearing loss has several implications on our lives. Populations worldwide are aging. Modeling techniques are required to reach valid inferences about age effects and age changes. A human brain goes through changes during the ageing process. As the population continues to grow older age and life expectancy increases the certain problems arise. The Multiple problems of ageing are that in older ages minor problems may have a greater psychological impact because of age related reasons. Introduction This research proposal is an attempt to study the effects of Aging on the most complex organ of the human body, the brain and to assess the associations between perceptions of aging and behavior. Hypothesis 20% or less of hearing loss or decline experienced by elderly adults result from injury or chronic disease. Hearing loss is one of the most common problems of aging affecting older adults. Normally from what we see every one in three person whose older than 60 has a hearing problem. These hearing problems can make it harder for the older people to understand the instruction, respond to any kind of warnings, to hear doorbells, phone bells and alarms. This can all be frustrating for the other family members and will make it hard to enjoy talking to friends. Moreover such issues could be embarrassing and dangerous as well. (hearing loss and aging, 2009) Therefore its very important to understand why such problems occur. Hearing loss, in particular happens for many reasons. Mostly many people lose their hearing slowly as they age, a condition which is known as presbycusis. This problems runs in families and reasons for it have not yet been figured. (hearing loss and aging, 2009) At times hearing loss could also be caused by exposure to too much loud noise, a condition known as noise-induced hearing loss. Examples of this kind of hearing loss could be found in many construction workers, musicians, farmers, tree cutters and people in the army. Sometimes these hearing problems can cause ringing sounds in the ears as well. Other than this hearing loss can also be caused by head injuries, virus or bacteria, tumors, certain medicines and heart conditions or stroke. However all these reasons contribute only less than 20% of the causes of hearing and memory losses because in majority these problems along with decline in cognitive functions are significantly a consequence of aging. (hearing loss and aging, 2009) Purpose statement To find the age related causes of decline in cognitive functions and hearing abilities of older adults Primary Research question What are the causes of decline in cognitive functions of the older adults? Other research questions Qs1) aging is the most significant reason why older adults suffer from hearing loss? Qs2) injuries and chronic diseases mostly cause memory loss on older adults? Qs3) older people are less productive because of the sensory losses they suffer from? Qs4) study of gerontology is important to get rid of problems like hearing and memory loss? Objectives The purpose of this research is primarily to find out the most important causes of hearing loss and decline in other cognitive functions in older adults. The research will emphasize also on effects of ageing on psychological and social issues such as Learning, Memory, Reaction time , Intelligence, sexuality, and stress along with certain neurological problems that incur as a result of changes in the brain associated with ageing. The biological and chemical changes taking place in our brain which result in psychological effects have been studied. Methods Research tool The research would be carried out with the help of a Questionnaire including both open ended and close ended questions. Sample populaion The Questionnaire would be filled by randomly selecting 1000 individuals from various localities of the City, with diverse backgrounds and economic situations. By doing so, the sample would be a true representation of the elderly in the whole society and not just a biased one representing a minority. These people would include both males and females and individuals only between the ages of 50 and 70. In order to avoid biasness they will be allowed to anonymously answer the Questionnaires. Where will the research be conducted? Questionnaires would be provided to these individuals at various hotspots for the elderly which include hospitals, golf courts, parks, jogging tracks , shopping centers, workplaces and Old Homes. Also this in turn will allow us to get a diverse sample which would include the elderly from all spheres and conditions of life. Analysis of the data The data obtained from the questionnaire would be weighted prior to the performance of the statistical analysis that shall be carried out so that the results would better reflect the age, gender, marital status and the educational level of the individuals. Thus by dividing our data collected on the basis of gender, marital status, educational status, economical conditions, we would be better able to study the effects of Aging on these individuals and also be able to determine whether any of these elements have a direct correlation with the psychological effects on the brain. Limitations However, every method used to collect research data has a few limitations attached to it thus affecting the Research. Similarly, in our research method used, participants may be unwilling to answer certain questions or may inaccurately answer them. Thus data may not be so accurate. Also they may respond by providing us with biased answers which also in turn affects the quality of our research. Discussion As we grow older, we may grow wiser, but we can also experience memory loss and cognitive slowing that can interfere with our daily routines and impact our personality. Chronological ageing as a frame of reference for the study of developmental phenomena is widely used but not very well understood. Much remains unknown about how normal ageing affects the neural basis of cognition, but recent research on individual differences in the trajectory of ageing effects is helping to distinguish normal from pathological origins of age-related cognitive changes. Two thirds of all people eventually experience some  significant loss of mental lucidity and independence as a result of aging. Individuals who are 60 years and older experience significant cognitive declines, including a weaker memory (memory loss or absentmindedness or both), decline in levels of concentration, clarity of thought, focus and judgment with an increase in the onset of several neurological problems like Alzheimers disease, Parkinsons disease and stroke. (W.Browne, 2003) Many problems are due to memory loss in older ages. Some common age related dementia includes:. Recent memory loss. Usually people suffering from age related Dementia forget things, and never remember them. They might ask the same question again and again each time forgetting that the question had already been answered. Difficulty performing familiar tasks. They might perform a task and then forget to perform it or will forget about performing it at all. Problems with language: people in older ages may forget simple words or use wrong words, making it hard to understand what they want. Time and place disorientation. They may forget where they are, where they were supposed to go or where they live. Misplacing things. Patients may put things in the wrong places. Then they cant find them later. Changes in mood. Everyone is moody at times but as people grow older they have faster mood swings, going from calm to tears to anger in just a matter of minutes. Cognitive Functioning e.g., impairments in concentration, distractibility, lack of planning, poor judgment, rapid forgetting, failure to learn. (Andrews, 2009) The community also suffers from the loss as these conditions will have a large amount of social cost. What this research means to: The aging community This research will help the aging community to better understand the problems it faces and also how to get rid of these problems by having an insight on the root causes. Aging individuals tend to ignore the developing loss of hearing and avoid getting it treated or examined at the early stages. If hearing problems are prolonged then it becomes even more difficult to treat them. Research indicates that very few people actually use hearing aids (roughly about 24% of those with hearing loss). 16.7 hearing aid that have been sold remain unused, as indicated by a recent study. Although hearing aids produce a 77% satisfaction rate, yet its usage is quite low. The researchers The researchers would know what aspects they need to study further and what other sort of researches need to be conducted in order to find answers to problems. Furthermore, research on the aging mind necessarily entails an applied orientation; therefore, future research also needs to include more specific focuses on identifying age-relevant knowledge, aging-friendly social and environmental contexts, and aging-rectifying training programs to help old people better allocate and compensate their declining cognitive resources. (Davies, 2004) Older adults Loss of hearing is a serious condition faced by almost one third of aging adults. If precautionary measures are not taken then this condition gets worsened and has serious detrimental effects on the aging individual as well as his/her personality. The most feared aspect of aging is losing mental function. In fact this constant fear directly affects our quality of life. Many individuals often believe that they are losing their mental functions and as a result, they experience a loss in their self-esteem and withdrawal from society and social settings. Relationship of age-related physiological changes and hearing loss As individual ages, certain changes take place within the body that are chemical, biological or physical. In a similar manner the human brain also goes through a structural change which is a process known as ventriculomegaly in which the cerebral ventricles expand. As a result of this some of the connections between the neurons are reduced or become inefficient. This is the reason why these physical changes directly affect the psychological processes in the brain. (Browne, 2003) Hearing loss also has an impact on the cognitive function. A recent Brandeis University study found out that people with mild to serious hearing loss may find it difficult to retain what they have heard because most of their concentration span diverts towards trying to listen what is being said rather than trying to comprehend what is being said. This results in forgetting and memory loss. Physical and psychological problems will make people more dependent on others in their everyday life. They can have an impact on the individuals ability to work or engage himself into any meaningful activity and will negatively affect the social attitude of the person. Creating better support systems In cases like these the support systems help patients live as actively as possible until death. These support systems address the needs of the older aged patients and their families and provide them with necessary counseling. This is done in order to solve all sort of psychological, social or spiritual problems. The goal is to achieve the best quality of life for the individuals and their families. (Davies, 2004) Neuroscience researcher Dr. Arthur Wingfield suggests that individuals who communicate with people with hearing problem should pay special attention to the decline in cognitive function that may be accompanied along with it, and hence should speak more clearly, concisely and pausing after each clause in their sentence. In order to develop a good support system for individuals who face loss of hearing, guidance should be given to avoid feelings of anxiety, passivity, learned helplessness, paranoia, cognitive decline, hopelessness, withdrawal, isolation and depression. With patience, love and care the condition of individuals who suffer from loss of hearing could be made better. Depression may be avoided if such individuals are given company and care. Hearing aids can help improve the quality of life for aging individuals as it betters the hearing process. Due to this the aging individual can develop better social, family and work relationships. The recovery from all these problems will depend on some factors like the severity of the condition, age, health status , personality and the availability of support services. Social attitudes towards memory loss/decline Hearing loss has several implications on our lives. Those aging individuals who face this condition cannot converse well and hence leads to social cut off. It also causes embarrassment, feeling of isolation and loneliness. After Arthrisis and hypertention, hearing loss is the third most prevalent disabling condition. A lot of aging individuals do not take loss of hearing seriously, although it can have serious implications on their lives. The quality of life of people who have to face loss of hearing deteriorates and their involvements and socializing reduces along with loss of confidence. They feel embarrassed and hence avoid conversation. Conclusion Populations worldwide are aging. True experimental work on aging is not possible because age levels cannot be manipulated. Sophisticated theoretical frameworks and modeling techniques are required to reach valid inferences about age effects and age changes. Aging naturally causes changes in physical, cognitive, and social capabilities of a person. Age related changes like declining strength and difficulty in remembering is experienced as a kind of loss. Such Experiences of loss negatively affect health however some people maintain a positive health attitude instead which gives rise to a variety of these experiences. A positive health attitude is associated with persistent beliefs and behaviors. So even in older ages people can maintain their health if their beliefs are positive and they find themselves less susceptible to diseases. Optimism in an individuals personality and people with a perceived control of life events are those aspects of the personality which help in maintaining good physical health as well. (Carroll Estes, 2009) The Multiple problems of ageing are that in older ages minor problems may have a greater psychological impact. Older people suffer from additional problems of mental impairment, economic hardship and social isolation which can cause distress and other the cumulative effect of which could be greater than any disease. How are the families and community being affected? Researchers are involved in finding ways to keep our brains young so as to prevent it from ageing and to delay the onset of disease that follows from it as a result. A very well known age related disease is Alzheimer. This disease and other age related dementia can cause many problems for the individuals and their families. Families of people with neurological conditions suffer from considerable emotional distress and burden, which can have an impact on their own mental health. A consequence would be Feelings of grief, anger, frustration and guilt which will eventually lead to depression. In fact family and community stress is associated more with a persons alterations to personality and interpersonal behavior. It results in conflicts and frustration. As more people survive into old age they also begin to suffer chronic illnesses and need some form of help from their families and people around.(Rama K. Jayanti, 2004) Importance of this research The research on age related problems of personality and cognitive function can help in raising awareness of the implications that an aging population can have for the society. More research needs to be conducted and investment needs to be done for the care and treatment of people with such illnesses. (Carroll Estes, Maggie Kuhn: social theorist of radical gerontology, 2009). Ageing and its effects on the psychological functioning of a person will influence his ability to mix in with the community, access services like treatment, rehabilitation and education, create problems in family and social relationships, ability to get any emotional support from people and develop a positive quality of life. (Committee, 2005) Therefore, with the help of this research the impacts of aging can properly be understood which help the individuals, their families, communities and the caregivers in better understanding all these problems. More solutions could also be found and better support services caan be created withmore awareness. Moreover, new aspects of research that has stillnot been conducted can be discovered. literature review There are several different types of hearing loss, it may be very serious such as significant decline in hearing capability or it may be quite mediocre which is a slight decline in hearing capacity. Biologically hearing loss is classified into Presbycusis, Sensorineural and Tinnitus. Presbycusis, people who have this type of hearing loss find it difficult to hear what others are saying and cannot stand loud noises. It has age related causes. (hearing loss and aging, 2009) Sensorineural hearing loss is a type of hearing loss that results from damage to different tissues of the inner ear. People with tinnitus may hear different kinds of loud noises inside their ears, such as ringing, roaring, and screaming etc. Tinnitus may be caused by loud noise, hearing loss, certain medicines, and other health problems, such as allergies and problems in the heart and blood vessels. The causes of this unusual loud noises being felt inside the ears is unknown. According to a study by National Council on Aging (2008), aided hearing loss improves the quality of life. (hearing loss and aging, 2009) Early diagnosis is extremely important to slow down or curb the hearing loss. If it is caused by some drug or allergy then that may also be detected. A survey in 2006 by Marke Trak found that nearly 32 million American (10% of the total population) have hearing loss. The survey stated, The greatest increase is among baby boomers due to noise exposure and among those who are age 75 and older, due to aging. A research by Dr Robert D Frisina (Ph.D.), an expert on age related hearing loss, and his team at the International Center for Hearing and Speech Research (ICHSR) in Rochester, NY, funded by the National Institutes of Health (NIH) indicates that feedback and timing that influence the older persons ability to distinguish speech sounds. (Mares-Perlman JA, 1998) He explains that, There are many people with good inner ears who just dont hear well. The human brain starts to develop problems with filtering, sorting and making sense of the massive information flowing in through sensations, when an individual reaches the age of 40s or 50s. Dr Frisina has noticed this change in him as well as in other aging individuals he counsels. (Mares-Perlman JA, 1998) The slow processing of sensations in the brain due to aging, reflect the cause why so many older adults experience speech discrimination difficulties in noisy situations. Older adults with normal hearing also face the same circumstance. There are a lot of books and studies which tell us that as a person grows older certain personality disorders develop. These Personality disorders are reflected in their interpersonal skills also that older people tend to give unexpected responses to clinical treatment. Patients with such personality disorders are often described in as difficult. (Committee, 2005) A human brain goes through changes during the ageing process. As a person grows older every organ of his body deteriorates and same is the case with the human brain. These changes and deteriorating factors in this organ impact the personality of the individual as a whole because it is the most sensitive and crucial part of the human body. The cognitive declines usually associated with aging are observed in the processing speed and reaction  times, Cognitive control, Executive functions and Memory. The most frequent personality disorders among the old age people are paranoid, schizoid and self defeating disorders. There are also treatments of these disorders. (Jason.L.Powell, 2004) According to the recent studies the older people as compared to the youth are becoming more economically and demographically attractive. However, there are costs of an ageing population that the society bears as a whole. (Andrews, 2009) Our society nowadays discriminates the elderly and they are being ill treated. However Primitive agrarian cultures very existence depended upon the knowledge earned from experience, valued their elders, but even they were o moved to killing the non productive members of society because of harsh conditions of subsistence living. (Carroll Estes, 2009) As the population continues to grow older age and life expectancy increases. As a result continued awareness, study and research concerning the psychology of adult development and aging is becoming highly important. The journal tells about the importance of building support systems with awareness programs. (W.Browne, 2003) appendix QUESTIONNAIRE Demographics: Age: Gender: Marital status: Education level: QUESTIONS: Question 1 Aging is the most significant reason why older adults suffer from hearing loss? A) Strongly agree b) agree c) not sure d) disagree e) Strongly disagree Question 2 Injuries and chronic diseases mostly cause memory loss on older adults? A) Strongly agree b) agree c) not sure d) disagree e) Strongly disagree Question 3 Older people are less productive because of the sensory losses they suffer from? A) Strongly agree b) agree c) not sure d) disagree e) Strongly disagree Question 4 Study of gerontology is important to get rid of problems like hearing and memory loss? A) Strongly agree b) agree c) not sure d) disagree e) Strongly disagree Question 5 Building of better support systems can lessen the costs of aging suffered by the individual? A) Strongly agree b) agree c) not sure d) disagree e) Strongly disagree Question 6 Age related physiological changes are a cause of alterations in personality of older adults? A) Strongly agree b) agree c) not sure d) disagree e) Strongly disagree

How to Solve the Foreclosure Crisis Essay -- Economics

There should be a bifurcated targeting of the housing market. The first and main target of the housing recovery needs to be the cautious restructuring of the government sponsored entities—GSE’s—Fannie Mae (FNM), Freddie Mac (FRE) and to a lesser extent FHA. Recent news headlines put the combined total mortgage market share for the FNM, FRE and FHA at seventy-two percent (72%) [i] of the entire industry. The restructuring of those three entities will be a process of dividing their combined debt into at least ten smaller portfolios which individual investors can either incorporate into the existing businesses or form entirely new businesses made up of all or any part of the portfolio(s) they purchase. Each portfolio ideally will represent no more than a 5% to 7% share of the mortgage market so that we no longer have behemoths that are â€Å"too large to fail†. Further, the government will in all likelihood have to guarantee—for a limited period of time and with expectations of profit sharing similar to that of the banking bailouts and in fact the funds the banks are now paying back could be used for the purpose of guaranteeing so as not to offend the public—part of the initial funding that the private enterprises will need and want in order to get their respective pieces of the mortgage market launched. The breakup of these three GSE’s into numerous pieces will help manage the ability of success as it is not likely that all ten pieces will fail and as smaller players are easier to manage this will help increase the likelihood for success. In order for the government to get both the best price/value for each portfolio created from the breakup each of these portfolios should have different levels of mortgage debt risk. This will incr... ...o handle or avert another crisis should one come our way in the future and to return to the tax payer the monies it has already paid to bailing out these institutions. Works Cited [i] A combined market share of 72% for Fannie Mae, Freddie Mac and FHA as indicated by Mortgage Market Note—CIRE Magazine: http://www.ciremagazine.com/article.php?article_id=307 (04/01/2009; 09/14/2009) also see the NPR report at http://www.npr.org/templates/story/story.php?storyId=98285028 (12/17/2008; 09/14/2009) [ii] BretWhissel Mortgage Calculator http://www.bretwhissel.net/cgi-bin/amortize (09/14/2009) [iii] American Institute for Economic Research report http://www.aier.org/research/commentaries/583-update-on-the-house-price-trends (10/16/2008; 09/14/2009) also see the iTulip report http://www.itulip.com/housingbubblecorrection.htm (01/20/2005; 09/14/2009)