Tips for First-time Home Buyers Buying your first home comes with many big decisions, and it can be as scary as it is exciting. It’s easy to get swept up in the whirlwind of home shopping and make mistakes that could leave you with buyer’s remorse later. If this is your first rodeo as a homebuyer or it’s been many years since you last bought a home, knowledge is power. Along with knowing what issues to avoid, it’s important to glean first-time homebuyer tips from the pros, so you know what to expect and what questions to ask. Looking for a home before applying for a mortgage Many first-time home buyers make the mistake of viewing homes before ever getting in front of a mortgage lender. In some markets, housing inventory is still tight because there’s more buyer demand than affordable homes on the market. And in a competitive market, you could lose a property if you aren’t preapproved for a mortgage, says Alfredo Arteaga, a loan officer with Movement Mortgage in Mission Viejo, California. …
REF: VIEWS CONCERNING CONSERVATION OF ENVIRONMENT Dear I am writing this letter to you to share my views about forest and water conservation. Nowadays, deforestation has become our serious matter of problem in most part of the world. People do cut down trees anyhow without minding what the consequences it can cause in future. As we all know, deforestation causes a lot of harm to both human beings and the environment. Some of the effects of deforestation are: climate change, soil erosion, loss of biodiversity, water cycle among others. So, as for me I don’t see any reason for you to oppose about conservation. It is important for us as human beings to conserve and take care of our environment. The importance of conserving our environment can be of great benefits both to us and the plants. Environmental conservation brings importance to agriculture. When human being lives, they depend on agriculture, and agriculture depends on environment. So it is important to conserve our environment through preventing soil erosion, desertification, flooding among others. Human activities also impact the climate, since drought,…
Serving in Florida The subject under discussion in “Serving in Florida” is the inequality of working at a minimum wage job and having to pay the price for this servitude in terms of health deterioration, emotional unhappiness, and economic deprivation. The claim in my eyes is clear: it is inhuman and should not have to be endured by anyone sane. By implication, this has become an intractable social problem, one that has touched nearly everyone at some point. Taking the moral high ground is always risky because there is nothing that we can criticize or point out in another that we have not thought or said ourselves. This is the point at which textual analysis becomes subjectively psychological. But even a resonance of silence concerning struggling waitresses and other low wage earners would not fail to point to a system that is the product of corruption and greed which permeates our society and there is no cure in near sight. Sadly, students in need of money often do not have much choice. Working conditions for the unskilled have not changed…
Organizational Economics Introduction Organizational Economics mainly refers to a field of economics in which the transactions occurring within organizations are studied, and transactions occurring in the greater market context are not considered. The paper is based on the analysis of publicly-traded Coca-Cola Company. It was relatively easier to conduct research regarding the inner-workings of the chosen firm. In the beginning, a company overview will be given, and following that, various economic factors affecting the firm such as demand, production, costing, and pricing shall be analyzed in the context of the U.S. The soft drinks of the Coca-Cola Company have been chosen as the product line. Company Overview American multinational corporation, Coca-Cola Company, is the retailer, manufacturer, and marketer of non-alcoholic beverages. It operates within the beverage industry, and it is a public company. The company was founded in 1892 by John Stith Perberton and Asa Griggs Candler. The headquarters is in Atlanta, Georgia, United States, and it serves across worldwide locations (Coca-colacompany.com, 2020). At present, the key people are James Quincey (CEO) and Brian Smith (COO and President). As of…
Student’s Initial Post-Effective Conflict Resolution Response to Ning Ivy Sun’s posting Employees in the workplace have different personalities, opinions, and goals; hence, disagreements in the workplace are inevitable. The good news is that conflict doesn’t have to damage business. The reason is that Kimberly A. Benjamin’s six steps of conflict resolution can be used to resolve disputes whenever they happen. The first step is to explain the conflict. The main idea of this step is to allow the conflicting parties to give details on the argument while agreeing on what the dispute is (Benjamin, 2019)To get the information needed in questions such as “How and when did the incident start?” can be asked. The second step establishes a common goal for both parties. Once all the information has been gathered, both parties need to decide on what they see as their possible solution (Kaslow, Grus, Campbell, Fouad, Hatcher & Rodolfa, 2009). If they get to agree on a common goal, then they are most likely to achieve the goal. The third is discussing ways to meet the goal. To reach…
Emigration, Immigration, and Humanitarian Crisis An article published on the BBC website on 19th Feb 2020 focused consequences of Brexit. The title of the article is ‘Immigration: Eight ways new laws will affect the industry.’ The new law that was passed brought into action 31st Dec 2019 plea of termination of UK-EU Visa, which allowed free movement. The Authors’ list of effects has no boundary on industry, race, ethnicity, or even nationality. Even the citizens and their economic systems will experience a significant impact. Some prominent challenges will be lack of economical labor, inadequate healthcare providers for needy population, general shortage of human resources in blue-collar jobs, complication of hiring foreigners, and barriers to higher education research. After going through the content, I found myself thinking of our state after the enactment of a new immigration policy. In my quest, I started my research on citizen’s opinions on the matter. The PEW research center published the answers I got and would like to share. Let me start by reminding you of some of the proposals that the government made over…
Piper Banks Piper Banks is the medical director for Open Arms, a non-profit medical clinic and wellness center serving low-income patients in an urban neighborhood. On most days, Piper loves her job and the work her clinic is able to do for people in the community, but lately there has been a problem that is beyond frustrating. This past summer, the city experienced a significant measles outbreak. Thousands of people were exposed to the measles and 78 cases were confirmed. Of the 78 cases, 73 involved unvaccinated children in the city’s East African immigrant community. What Piper finds most troubling is not that the “herd immunity” was compromised, though that does trouble her. Worse, in her opinion, was the fact that members of the anti vaccination community were distributing fliers and talking to families in the affected community. The anti vax activists reportedly told people that the measles outbreak had been created by the government in order to pressure immigrant parents to vaccinate their children. One of Open Arms’ primary goals has been to counter the fear and misinformation that…
Implementing Financial Acumen and SOX Requirements Part 1: Financial Acumen It is quite essential for every organization to follow financial acumen so that sound financial judgments can be achieved. This practice is based on the application of financial rigor and concepts so that various analytical judgments can be made associated with the financial aspects. Increasing the knowledge of the employees regarding the financial factors of an organization can help solve many financial issues and reach financial targets. Attaining financial acumen for any organization is essential in order to achieve long-run success in the financial terms. This is because; the concept is associated with teaching the employees all the financial happenings, including the revenues, profits, expenses, and others (Caruso, 2018). It is required for sharing the ideologies of the employees that can help enhance the financial situations of their employer organization. A business following financial and business acumen can make effective budget decisions, investment decisions, cost control processes, and others. Moreover, it is also useful in allocating the critical financial resources according to the requirements of each expenditure section of a…
MF Understanding the significance of establishing the SOX Act and the importance of financial knowledge Part 1: Financial Acumen Article reviews Research on the existing relationship between financial literacy and the satisfaction level of employees in the firm has been conducted in the chosen article. Data has been gathered from FINRA or “Financial Industry Regulatory Authority.” The study sample consisted of 1488 participants, and data has been gathered by employing the multiple regression analysis technique (Robb & Woodyard, 2011). The results of the research suggest that subjective as well as objective knowledge regarding financial matters can positive influence the behavior of employees. It should be noted that the impact of subjective knowledge is relatively larger than objective knowledge. A range of financial behavior such as income, age, ethnicity, race, and satisfaction is influenced by the accuracy of financial knowledge. As per Tang & Baker (2016), a relationship exists between an increase in self-esteem and financial knowledge. The paper highlights that self-esteem is related directly to the financial behavior of individuals. The subjective knowledge also plays a vital role in enhancing the…
Paid Advertisement The Item to become advertised in this case is majorly used by the high and the middle-class population. The two classes of population display unique characteristics, unlike the low-class population in terms of media channels they rely on and the kind of life they live. They live a cosmopolitan life and compare their lives with that of their friends in the same class, and they access credible media platforms which showcase what they deem to be of quality to them. Since they live a unique kind of life, they buy commodities from high- end physical stores, so they don’t interact with the poor in the process of buying. Therefore, in this case, I will use a monthly magazine for advertising the sand maker due to its usage by a majority of the idle and high-class population. The media quintile table shows that the usage index of monthly magazine stands an index of 168; this is way above other media platforms such as the Internet which stands at an index of 100, the weekly magazine at index 143 and…