Tapping the Ethnic Housing Market Opportunities and Challenges for Housing Lenders and Realtors The tables in the text make it clear that there is a large gap between the minority population and the general population in regard to knowledge and education about the housing market. Housing discrimination and unethical lending practices are at the root of this problem. Housing and communities remain segregated despite all of the progress America has made since the Civil Rights Movement. Minorities
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As far as raising gas prices‚ I think that will cause more damage than good. People rely too much on transportation nowadays to make gas expensive. It would potentially put the economy back into a recession. I have a full-time job that is 30 miles away from where I live. It would take me three hours to get to work every day if I had to take public transportation‚ as I would have to board four buses to get there. I would have no choice but to pay the current gas prices just to get back and forth
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ARTICLE Recovery: A Common Vision for the Fields of Mental Health and Addictions V Cheryl Gagne Boston University WiUiam White Chestnut Health Systems‚ Bloomington‚ Illinois William A. Anthony Boston University The vision of recovery is reshaping the fields of mental health and addiction services. This paper reviews how this broad vision is shaping common goals‚ principles‚ values and strategies across the two fields. We further examine how a common vision of recovery can positively
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Recovery: The Process of Changing Views Recovery‚ in this day and age‚ appears in the news almost every week‚ and thus society continually sees stories about survivors of tragic accidents—humanity celebrates the ability to cling to life—and the ever popular tales of celebrities struggling with devastating addictions‚ which the public praises even minimal improvements. Recovery‚ without the ill; the injured; and the celebrities‚ appears to the majority of society as an event only degenerates must
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monthly individual session. Counselor encouraged pt. to share about his current recovery concerns‚ his prescribed medication compliance‚ and his recovery progress. Counselor and Pt. discuss how his lack of engagement and whether he continues to use cocaine on the daily basis. Pt is current prescribed medication his “working well”. Pt. reported taking methadone in this program for 3 years. Pt. indicted that his recovery is changing for the better because he is playing more with his kids and his relationship
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Credit Risk Assessment in Consumer Lending September 2012 ABSTRACT This Point of View is focused on Credit Risk Assessment in the Consumer Lending domain including Auto‚ Consumer Durables and Personal loans‚ but excluding Mortgage. It looks at assessment using Credit Risk Modelling as well as Subjective Analysis. INTRODUCTION Consumer lending has been beset with severe issues since the debt crisis of 2008. Rising unemployment and decreasing repayment capabilities have brought in increased
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To prevent gasoline prices from having devastating effects on the economy it has been proposed that all gasoline prices in the United States be fixed at the average price for the last two years. For simplicity it will be assumed that this price is $2.50 per gallon. When equilibrium prices are under $2.50 per gallon the excess payments will be kept in a government fund. When retail prices exceed $2.50 per gallon money from this fund will be distributed to pay the difference. Do you think that this
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PRICE HIKE To understand this term we divide this term into two parts; Price and Hike and explain both the parts separately. Price is the value paid by the provider or supplier in the form of currency for rendering goods & services. While Hike is an abrupt increase or rise. It means that there is rise in prices of the goods/services required by the people living in the world. These goods/services belong to following sectors; 1. Agriculture 2. Health and Medicine 3. Education 4. Manufacturing/Industries
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Since the mid-1980s‚ a great deal has been written about mental health recovery from the perspective of the consumer (client)‚ family member and mental health professional. The amount of research of various aspects of recovery continues to grow. Early research by Courtney Harding (1987) and others challenged the belief that severe mental illness is chronic and that stability is the best one could hope for. They discovered there are multiple outcomes associated with severe mental illness and that
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Recovery: an approach mental health professionals’ first began to use to redefine one’s attitude‚ goals‚ and feelings in order to live a comfortable life despite the limitations of illness. Diagnostic labelling associated with mental illness has proven to cause devastating effects on the lives of those with psychological disorders. Whitley finds that mental illness is not life-long nor is it a chronic condition that will lead to deterioration (1248). Various methods are now under consideration by
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