Language and Identity in Kim Thuys Ru Essays

Language and Identity in Kim Thuys Ruâ Essays Language and Identity in Kim Thuys Ruâ Paper Language and Identity in Kim Thuys Ruâ Paper Composed as a semi-personal arrangement of records, Kim Thuy’s Ru offers an idyllically practical depiction of the Vietnamese evacuee experience. It is a work of transformation that takes the novel’s heroin on a rollercoaster ride from wealth to clothes to newfound wealth (from wealth to clothes to newfound wealth), in an appalling presentation of war-prompted crumbling and weighty achievement. Like the run of the mill migrant story, the storyteller, Nguyen A Tinh, features language as a hindrance that frustrates her from arranging herself in an outside space as a ten-year-old evacuee in Quebec. My paper will analyze the semantic obstructions that catalyze settler achievement, just as the methods by which these boundaries are obliterated inside a setting twisted by war, diaspora, and shelter. It will likewise look at the importance of family ties and parenthood in the life of the books hero. Kim Thuy’s decision for a title to her novel anticipates the primary subject of parenthood predominant over the span of A Tinh’s life. Mother figures have without a doubt assumed a significant job in molding her character, both as a youngster and as a grown-up. In a meeting, Thuy uncovers that in her local tongue, Vietnamese, run implies â€Å"a bedtime song, or to lull† and is generally utilized by moms to relieve their kid to rest (â€Å"A Refugees Multilayered Experience†). From the earliest starting point, it is obvious that Thuy places extraordinary accentuation on parenthood and its effect on A Tinh. Moreover, In her supportive language, run gives a progressively comprehensive significance; one that identifies with family ties. In French, run implies a little stream, a stream conceivably of blood. The pun in the work’s title passes on the partition in language that pervades the protagonist’s life. The storyteller initially presents herself as Nguyen A Tinh and quickly focuses to the closeness among her and her mom. The reason for her reality is to drag out the life of her mom, with whom she s

The meaning of life Essay Example for Free

The importance of life Essay Presentation: According to Saint Exupery in The Halo (2006), â€Å"Each man must look to himself to show him the importance of life. It isn't something found: it is something shaped. † The importance of life has a no particular definition; it relies upon how every individual offer significance to their lives. It is a characteristic thing for a person to inquisitively think about their life since their introduction to the world till death. Additionally, individuals are likewise inquisitive to discover why they were placed in this world that is the reason babies maintain contacting everything in control to encounter all their environmental factors from the earliest starting point (Taylor, 2000). In this paper, the idea of importance will be essentially dissected. Right off the bat, by characterizing the significance which will also be trailed by examining the various kinds of necessities an individual must meet to encounter the importance of life. Thirdly, the sorts of things that upgrade and check the experience of the significance of life will be featured. In conclusion, different down to earth steps will be depicted to upgrade the experience of the significance of life. This exposition will be entwined with individual reflections and desires that have upgraded the importance of life for the author. What is the significance of ‘meaning’? Subjectivism: According to Eagleton (2007), everybody adds their own importance to life. The importance of life is rarely general or complex. The importance of life is straightforward and individuals experience it when they comprehend the universe, themselves, their character and their objective throughout everyday life (Bennet, 2005). Subjectivists express that the significance varies with individuals’ mental and mental states and their wants and objectives. For instance one individual can discover importance of life in music or workmanship while other may discover it in accomplishing objectives or in religion (REF). Furthermore, (REF) expresses that life possibly becomes important when all the necessities and needs are satisfied and when the individual is content and happy with themselves. Too naturalistic perspectives: On the other hand, profound creatures believe their lives to be considerable and huge when they can arrive at the devout pathway God has set (REF). The God-focused view calls attention to that the authoritative importance of life is comprehensively achieved. In addition, an individual will possibly make sense of the importance of life when they are not joined to the common wants (REF). Individual reflection: By and by, the significance of life for me is continually being in scan for my personality and achieving the objectives I have set throughout everyday life. I investigate my character through my fine art as it encourages me express my sentiments and feelings about everything. My craftsmanship causes me to acknowledge who I am as an individual and what individuals decipher me as an individual through my compositions. What kinds of necessities must be met for an individual to encounter significance throughout everyday life? Looking through the importance of life is an inspirational power in an individual be that as it may; the level of inspiration to which they search the significance of life contrasts in all people (REF). In spite of people having various degrees of inspiration, there are a few needs and conditions that must be met for the people to encounter the significance of life. People don't really need to meet similar needs and conditions to encounter the importance of life. A few people are roused by others like extraordinary specialists, creators and scholars, a few people need feeling of having a place, some need to encounter certain occasions to understand life while others have to accomplish independence and self adequacy to encounter the significance of life. To put it plainly, people can find the significance of life through social work, encountering a person or thing or responses towards unavoidable conditions (REF). For instance, a person who is passionate requirements to encounter the need of having a place all together with experience the importance of life. They have to have numerous companions and a decent connection with their family so as to fulfill their need of having a place; this encourages the person to carry on with a glad and full life. Nonetheless, on the off chance that they don't feel the feeling of having a place, they have no expectation subsequently don't have anything to anticipate and see no point of living. On the other hand, not all people need to address the issue of having a place with experience the significance of life. Some may need to encounter the need of self-rule and self adequacy. These sorts of people ordinarily have certain objectives and errands in life which they accept they can accomplish in this way that would assist them with encountering the importance of life. For instance, a person whose objective is to turn into a specialist attempts to achieve that objective by being a diligent employee and dedicating all his opportunity to accomplish their objective. They would encounter the importance of life when they accomplish the title of the specialist as it would assist them with overcoming a spot in the network and increase some eminence. Likewise, if an individual neglects to accomplish this need may increase an extremely low confidence which would then effect on the decisions they makes throughout everyday life. They would turn out to be subject to other people and would not have the option to adapt to that driving them to experience the ill effects of different medical problems. What sorts of things upgrade the experience of importance throughout everyday life? The significance of life can be improved by supporting life, tolerating an educating, giving life or making shrewdness (REF). For instance things that would improve the importance of life for moms, specialists and medical attendants is the point at which they convey as connections in an organic chain by giving life from one age to the next. Youthful craftsmen are motivated and upgrade their significance of life when they approve and regard and acknowledge their teacher’s work (REF). By and by, as a craftsman, the significance of life for me is upgraded when I can value crafted by various craftsmen and what they are attempting to communicate in their canvases. Fine art causes me to comprehend the various sentiments people go however and how they express it through drawings. It likewise makes me see various perspectives of life and encounters individuals are experiencing. In spite of all people having various necessities to find the significance of life, there are sure things that all people require to upgrade the importance of life like: Hope Inspiration Goals High confidence. What sorts of things check the experience of significance throughout everyday life? Numerous people control their encounters of the significance in life because of: No motivation or objectives and disappointment: If an individual continually falls flat and has no potential and motivation of accomplishing his objectives may feel ineffectual and miserable. They may begin feeling that they have no reason throughout everyday life and life is totally futile for them. Loss of friends and family: loss of a friend or family member through death or separation may influence an individual intellectually and inwardly. They may feel the are not adored and don't have a place anyplace as their cherished one doesn't exist any longer. The misfortune brings enduring and wretchedness which causes a person to accept that like if inane. Finally, encounters like these pushes a person to have a low confidence and gotten saved (REF). Individual Reflection: If people are not open, unfeeling or reluctant to be viewed as themselves because of low confidence can't upgrade their importance of life and thus would check this experience. As a craftsman, I will likely turn into a workmanship instructor and help other kids to communicate their emotions through artwork on the off chance that they can't through words. Be that as it may, I have a reasonable objective and consistently have been motivated by my dad to achieve this objective. On the off chance that I had a low confidence and didn't put stock in myself, I would have no expectation henceforth that would check the inquiry of importance of life as I would feel I am useless Practical strides to improve the experience of a significant life As referenced above, numerous people control their encounters of the significance in life because of low confidence, no motivation, no objectives and being saved. In any case, they can improve their experience right off the bat by tolerating and having confidence in themselves. This would assist them with making a commitment to life and offer their best. As indicated by (REF) foolish conduct can be vanquished by expanding self-viability and confidence. This should be possible through directing with the goal that they can begin having confidence in themselves. People who need the feeling of having a place with experience the significance of life should attempt to fit in and associate with individuals they are near and have great associations with them all. Besides, people who are attempting to accomplish a particular objective ought to consistently compensate themselves each time they are a bit nearer towards the objective. This would keep them roused and not lose trust. Actually, I upgrade my experience by recognizing the extraordinary craftsmen and how they are a motivation to other youthful specialists. End Finally as referenced there is no particular importance of life. All people need to meet various kinds of requirements, for example, the need of having a place, encountering perilous episodes, need of self-rule and self adequacy to encounter the importance of life. An individual’s recognition, qualities, needs and sentiments focus him and help in arranging his general surroundings. Emotions help in communicating. On the off chance that an individual has an incredible aptitude in communicating, he can change the bigger world. Extraordinary craftsmen discovered articulations in their work of art which helped them change the world that came after them. The manifestations around us are simply the various people attempting to communicate and their encounters of the importance of life. All the inhibitors that we gangs, for example, low confidence and internal battles ought to be set out to make life progressively imaginative and upgrade the importance of life.

Illicit Trafficking in Cultural Goods: Impacts and Policies

Unlawful Trafficking in Cultural Goods: Impacts and Policies Title: Illicit dealing in social products with uncommon accentuation on Mauritius. Presentation The global commercial center for social products is a billion rupees advertise. Consistently on the planet criminal or plunderers are sneaking out social merchandise from their nations of starting points and offered them to outside nations. My point in this venture is to improve our comprehension of dealing in social articles so as to make individuals mindful that unlawful exchanging of social products is an offense as social items work as an archive of memory and which empower each culture far and wide to talk about themselves and about their beginnings. Besides social products are the main confirmations left for us to elevate and to shield one’s culture and causes. Social products are the key antiquities and are a piece of all inclusive story of mankind so once those social items are crossing limits of nations to be sold wrongfully to outside nations, simultaneously our social character is blurring. Also, when those social merchandise are taken, plundered or wrecked, they will be lost perpetually, accordingly we should stop illegal dealing in social articles. Writing REVIEW Definition What is social acceptable? We regularly observe the terms social â€Å"property†, â€Å"heritage†, â€Å"goods† and â€Å"objects† exchanged. Each state has its own meaning of social â€Å"goods†, â€Å"heritage† or â€Å"property†. What's more, that’s why the two major global shows tending to unlawful dealing in social articles, the 1970 UNESCO Convention on the Means of Prohibiting and Preventing the Illicit Export, Import and Transfer of Ownership of Cultural Property and the 1995 UNIDROIT Convention on Stolen or Illegally Exported Cultural Objects was made to assist each state with getting an increasingly suitable legitimate meaning of the term social products so concerning them to have the option to forestall dealing in social items and furthermore to forestall the provenance of a social decent. Under article 1 of the 1970 UNESCO Convention on the Means of Prohibiting and Preventing the Illicit Export, Import and Transfer of Ownership of Cultural Property and under article 2 of the 1995 UNIDROIT Convention, both show characterize the term ‘cultural property’, â€Å"as property which, on strict or mainstream grounds, is explicitly assigned by each State as being of significance for paleontology, ancient times, history, writing, workmanship or science†[1]. What's more, the two shows have set up a classifications of social articles so concerning every state to get an away from of what social merchandise truly comprise of and also this will help states to characterize and draw a rundown of legacy which their nations had with the reference to the recorded classifications of social items which both Convention have provided food for.[2] Sorts of social legacy: 1) Tangible legacy 2) Intangible legacy unmistakable legacy is one that can be put away and genuinely contacted. This incorporates things delivered by the social gathering, for example, customary apparel, utensils, (for example, beadwork, water vessels), or vehicles, (for example, the bull wagon). Unmistakable legacies incorporate extraordinary landmarks, for example, sanctuaries, pyramids, and open landmarks An immaterial legacy is the thing that exists mentally in the way of life. It's anything but a physical or substantial thing. Immaterial legacy incorporates tunes, fantasies, convictions, odd notions, oral verse, just as different types of customary information, for example, ethno plant information. For instance for the Southern Kalahari San, each tree and numerous other physical destinations are a piece of their immaterial legacy as their history is related with these locales through stories, names and songs.[3] WHAT IS ILLICIT TRAFFICKING IN CULTURAL GOODS? The unlawful dealing of social merchandise is an extremely mind boggling issue. Unlawful dealing can be arranged under different structures and it is a rewarding business. Components like topography, world of politics and socio â€economic, are now and then liable for the ascent of unlawful dealing of those social goods.[4] Illicit dealing in social items is the point at which an individual or a gathering of individuals is creating a gainful secret market at the costs of taken antiques or articles, of unlawful exhuming of archeological and paleontological destinations and of illicit import and fare of social property. Dealing in social articles permits hoodlums to take advantage of a lucky break to manage high measure of things that are all the time need assurance. In this way, since these product are ineffectively ensured, the cheats or bandits can do illicit import and fare from nations to nations. In the paper, Perspective on the association and control of the illegal traffic in relics in South East Asia composed by Christine Alder, partner specialist in criminology University of Melbourne, Duncan Chappell, Professorial Fellow, Center for Transnational Crime Prevention,University of Wollongong,Australia and by Kenneth Polk,Professor of Criminology,University of Melbourne, Australia during the International Conference on â€Å"Organised wrongdoing in workmanship and antiquities† Courmayeur Mont Blanc, Italy12-14 December 2008 , the creators noticed that since unlawful tracfficking is a worthwhile business, along these lines that sort of market can turn out to be risky as it managed an imm ense measure of laundered cash. What's more, when cash is made while selling social products, those creation that cash are frequently associated with police or military specialists, and take an unpromising and bleak perspective on obstruction in their rewarding business.[5] The way that unlawful dealing regularly manages political turn of events and financial emergency; this further exacerbates the battle of illicit dealing of social merchandise. In addition when a nation has a rich culture, it is increasingly defenseless against social loot. For instance nations like Cambodia, Italy, Africa, Oceania, Eastern Europe, Greece and Turkey are inclined to looting of social materials. Nations like Cambodia with a rich culture however with a poor economy are bound to be casualties of unlawful dealing of social products. As Etienne Clement, UNESCO,Director saysâ€Å" Cambodia’s culture is exceptionally rich, yet the nation itself is poor. It’s a perfect circumstance for unlawful trafficking† (BBC on the web, 2004)[6]. In Cambodia since there financial circumstance are poor, the plunderers are generally neighborhood individuals wanting to procure a couple of dollars. In Cambodia has confronted slaughter of its social products and the issue is as yet going on regardless of whether the UNESCO has mediate in Cambodia. Many sculptures are without heads and dividers are frequently set apart with Graffiti. Hundreds and several locales are being uncovered each day, said Dougald OReilly, the executive of Heritage Watch, a free gathering expecting to defend Cambodias social legacy. In Cambodia legacy locales are frequently hard to get to and that’s why it is hard for the specialists to police the destinations. Also, as Dougald O’Reilly said to the BBC on the web, at some point UNESCO will in general spotlight on especially size at exactly that point giving less consideration to other significant locales which dated from Bronze and Iron Ages(BBC online)[7]. What's more, something which is progressively pitiful and disturbing is the point at which we witness how individuals gradually are selling their social character and annihilating their inceptions only for a couple of coins. This exhibit those hoodlum or marauder who are selling those social fortune need ideas on the historical backdrop of their nations and on different hands they are compelled to entertained themselves to this illici t demonstration since they are likewise living in a poor conditions. Mr O’Reilly put further to the BBC online that in Cambodia, In certain pieces of the nation, you can purchase 10 kilograms of antiquated iron from these graveyards for only 25 pennies, its transparently sold in neighborhood markets.[8] In addition social items can without much of a stretch be sold as retailer or vendors to advance their products they even present confirmations of loot as a methods for ensuring the realness of their merchandise.[9] Another issue why social products are being capable cross limits and arrive at remote nations is on the grounds that there is an absence of documentation in regards to the provenance of social products. And furthermore, authorities working in the field of sending out and bringing in have no or least information on prehistoric studies or need idea of social examinations accordingly it is hard for them to catch hoodlums and recognize social products. Every one of these elements, contribute further for â€Å"heritage plundering†. Also, today, the unlawful traffic in social property proceeds universally and is evaluated to be worth $4.5 million dollars a year.[10] Moreover as indicated by Dr. George Abungu, a paleologist and the establishing Director at Okello Abungu Heritage Consultant, he said that expansionism and the spread of Christianity are additionally liable for the immense loot of African legacy. African legacy was wrecked with the new religion such as, â€Å"the evangelisation of the African landmass and the Black man’s heart†, and other were gathered and moved for the sake of His or Her majesty’s government.[11] Invasion by the British, German and the French are additionally liable for legacy devastation. For instance the British endeavor in Benin City, Nigeria and those of the Asante Kingdom at Kumasi in Ghana. Also, such endeavor were attempted in Asia, South America, and in Africa and just as in North America. Furthermore, social products were plundered and those liable for this unlawful demonstration were considered as legal gathering instead of plunder.[12] The way that social products can impart, either legitimately or by affiliation, a part of reality which rises above time or space gives it extraordinary signi

Is Elon Musk right in saying most academic papers are useless

Is Elon Musk right in saying most academic papers are useless? When Elon Musk opined that most academic papers are useless, it was in the context of their usefulness to others rather than the writers themselves. While it is likely true that the tens of millions of academic papers that are written each year are completely read only once (if at all), it is also true that academic papers can help students learn more about a given topic or issue in ways that might not otherwise be possible. Moreover, academic papers provide a gauge of learning that can be used to evaluate student progress. More importantly still, some academic papers do become enormously significant. For instance, an academic paper from West Virginia University resulted in the U.S. Environmental Protection Agency discovering that Volkswagen had used illicit software applications that permitted its diesel-powered vehicles to operate on a cleaner cycle when they were subjected to emissions testing. The revelation had serious long-term implications, including reducing Volkswagenâ€℠¢s market value by fully 20% and costing the company nearly $20 billion in fines for these illegal practices.

The Birth Of America Is Well, The Biggest And Greatest

The birth of America is well, the biggest and greatest thing to ever happen to us. There are many things that led up to the 1865 era such as salutary neglect, the Constitution, the Louisiana Purchase, Manifest Destiny, and Slavery. Those are just a few things that America powered through to get where we are today. Our Forefathers attempted to rectify what some would consider harsh actions made by the kingdom of Britain in the mid 1700’s. The British didn’t take the American territories seriously and just saw them as colonies to be used and exploited in whatever way that best suited the kingdom’s interest. The morning of April 19, 1775 America was then no longer just negotiating for its rights, we were fighting for them.†¦show more content†¦By the end of the assembly of the Second Continental Congress, America would declare war on Britain. In Lexington in April of 1775 the British troops and colonial militiamen kicked off the armed conflict. By the summer the rebels were waging a full-scale war for their independence. France entered the American Revolution on the side of the colonists in 1778, turning what had been a civil war into an international conflict. French assistance helped the Continental Army force the British surrender in Yorktown, Virginia, in 1781. We had won our Independence. Though fighting would not officially end until 1783. The United States Constitution’s final draft was approved on September 17, 1787. It established America’s national government and fundamental laws, and guaranteed certain basic rights for its citizens. It was, however more than just a document. It would more importantly establish the form of government that would be utilized right up to modern day America. The framers of the Constitution knew that while government needed power in order to be effective, too much power could lead to abuses. 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Countrywide Home Loans †Analysis Essay Sample free essay sample

Countrywide Home Loans is one of the larges mortgage companies in the United States. The company was founded in 1969 and the concern is focused chiefly on existent estate finance and related activities. For old ages the company has been systematically among the top mortgage companies in the state. Recently. the mortgage industry has been in convulsion. Adjustable rate mortgages and a hapless lodging market are a few of the factors that are doing the industry to be indispensable turned inverted. Even when faced with today’s hapless lodging market and a clip when many mortgage companies have either closed their doors or filed for bankruptcy protection. Countrywide Home Loans has survived its ain battle to stay one of the most profitable mortgage companies in the United States. A bulk of Countrywide’s gross is generated through two beginnings. One of those beginnings is through loan inception. Loan inception is the procedure in which the loaner really financess the loan. We will write a custom essay sample on Countrywide Home Loans – Analysis Essay Sample or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page An illustration would be when a borrower decides to refinance or buy a place. the borrower will work with the loaner to O.K. their loan so the loaner can shut and fund the loan. The other beginning of gross is through loan service. This procedure is after the loan has closed and the loaner gets paid for roll uping payments from borrowers. Not merely will Countrywide serve their ain loans. but they besides buy loans from other loaners and agents to add to their portfolio. After studies of net income of over 2 billion dollars the past two old ages. Countrywide is non on gait to make that mark this twelvemonth ( hypertext transfer protocol: //finance. Google. com/finance? q=NYSE: CFC ) . The company’s sulky studies are more of a contemplation of the current province of the market so of its ain schemes. â€Å"Over the past few old ages. the most common type of sub premier loan has been adjustable-rate mortgages known as the 2/28 ARM. Since mid-July. five of the six biggest bomber premier mortgage loaners stopped offering 2/28 ARM’s. † ( hypertext transfer protocol: //bankrate. com/brm/news/mortgages/subprime_20070726_a1. asp? prodtype=mtg ) . A 2/28 ARM is an adjustable rate mortgage that is fixed for merely the first two old ages and so becomes an adjustable rate mortgage after that. One major company who has fallen during the lodging diminution has been New Century Mortgage. â€Å"New Century has become the prime illustration of a group of companies that grew quickly during the lodging roar. selling propertyless Americans with questionable recognition immense Numberss of â€Å"sub prime† loans with â€Å"teaser† rates that typically rose after the first two old ages. This concern transformed the once-tiny New Century into a loaning human dynamo that was held up as a theoretical account of the mortgage industry’s success. † ( hypertext transfer protocol: //www. washingtonpost. com/wp-dyn/content/article/2007/05/06/AR2007050601402. hypertext markup language ) . The speedy rise to the top was a short extremum as New Century Mortgage was one of the largest companies to travel under. â€Å"New Century listed liabilities of more than $ 100 million in its Chapter 11 documents filed with the U. S. Bankruptcy Court in Wilmington. Delaware – the largest bankruptcy instance to day of the month in the bomber premier mortgage sector. ( hypertext transfer protocol: //www. iht. com/articles/2007/04/02/business/loans. php ) † New Century was a sub premier loaner. A sub premier loaner is a loaner that lends money to borrowers with less than perfect recognition. A major ground for the prostration of the sub premier market was because many borrowers were given adjustable rate mortgages but were qualified merely on the payment during the fixed period. These merchandises were pitched as â€Å"band-aid loans† . The merchandise was being sold since rates were at an all clip low and borrower’s had equity in their place so they were able to afford to pay off all of their recognition card debt with the refinance. A huge bulk of these loans were 30 twelvemonth loans where the involvement rate was fixed for merely 2 old ages. What has happened and will go on to go on will be that the loan will come in its accommodation period and borrowers will non be able to afford their new payment. Since belongings values have stabilized. borrowers will no longer be able to refinance and hard currency out and the equity on their places since there is no longer equity in the place. The concatenation reaction to that is places will travel into foreclosure ; investors will fasten their criterions on purchasing loans which is basically pass overing out the sub premier market. â€Å"In add-on. tightened lending criterions stemming from the bomber premier crisis likely mean fewer purchasers. forcing down place monetary values. hypertext transfer protocol: //money. cnn. com/2007/08/10/real_estate/mortgage_rates/index. htm? postversion=2007081016† . Countrywide has avoided become victim to this job for a few grounds. One ground is that the company offers a broad merchandise mix. The company does non hold a niche market. They offer A through C paper merchandises. An â€Å"A Paper† is considered a borrower with first-class recognition and a solid occupation history. A â€Å"C Paper† borrower is described as person who have defects on their recognition and/or they are delinquent on the mortgage payment presently on in the recent yesteryear while â€Å"B Paper falls in between. The bulk of loans underwritten today are still â€Å"A Paper† loans. Since Countrywide offers a broad assortment of loan merchandises. the company can defy the blow of defaulting loans since it has a big portfolio of good loans. A bulk of the mortgage loaners who went out of concern were purely â€Å"Non A-Paper† or sub premier loaners. Another ground how Countrywide has avoided traveling under is because the company services their ain loans. This has enabled Countrywide to keep on to there sub premier loans in a market in which investors have small involvement. Most mortgage loaners do non hold that luxury. Not merely does Countrywide hold the hard currency on manus to service sub premier loans. they still have one million millions of dollars available to them in warehouse lines. The ability of non being dependent on investors purchasing their loans has greatly impacted Countrywide’s ability to stay profitable during the mortgage radioactive dust. â€Å"The nation’s biggest mortgage loaner sells two-thirds of its loans to government-sponsored endeavors like Fannie Mae. which are under authorization to maintain purchasing loans. hypertext transfer protocol: //www. forbes. com/feeds/ap/2007/08/03/ap3984906. html† . â€Å"In a Securities and Exchange Commission filing. the Calabasas. California-based company said it was at midyear utilizing $ 93. 3 billion of its $ 283. 6 billion of short-run liquidness. go forthing $ 190. 3 billion untapped. It listed $ 3. 8 billion of long-run debt maturing within six months. hypertext transfer protocol: //money. cnn. com/2007/08/06/news/companies/countrywide_liquidity. reut/index. htm† . Countrywide is besides remaining active in the retail mortgage market in order to last. â€Å"Countrywide Financial Corp. will purchase up to five retail loan inception subdivisions in Georgia. Florida and North Carolina from HomeBanc Corp. ( hypertext transfer protocol: //www. bizjournals. com/jacksonville/stories/2007/08/06/daily20. html† . By purchasing smaller companies. Countrywide is able to keep its footmark in the retail mortgage market without holding to open new subdivisions. The company can transition the freshly acquired subdivisions to follow with the company’s criterions. Countrywide is besides harvesting the benefits merely because they are a big company that can defy the blows from a down market. â€Å"†The consolidation will drive the concern wholly to the largest participants. † said Brenda White. pull offing manager at Deloitte A ; Touche Corporate Finance LLC in New York. who consults on acquisitions. hypertext transfer protocol: //www. sltrib. com/business/ci_6569222â€Å" . A major advantage to being a big loaner is that the company will non be affected by the crisp addition in foreclosures and delinquent mortgages. â€Å"Countrywide said expected foreclosures as a per centum of unpaid principal rose to 1. 04 per centum from 0. 46 per centum a twelvemonth earlier. and 0. 96 per centum in June. Delinquencies rose to 5. 10 per centum from 4. 11 per centum last July. and June’s 4. 98 per centum. hypertext transfer protocol: //money. cnn. com/2007/08/14/news/companies/bc. countrywide. loaning. reut/index. htm postversion=2007081411† . Even with all of the convulsion that is presently blighting the mortgage industry. there will ever be net incomes to be had. Due to the fact there they will ever be the demand for places ; there will besides be a demand for money to be lent to them. Baring fortunes where borrowers do non necessitate to borrow money. there will ever be a market for loaning establishments. Since Countrywide has grown to the size that they presently are. they have the resources available to defy any dangers that may come across in the approaching months. As companies continue to shut their doors. big companies like countrywide will be able to go on to impart to borrowers which will enable them to stay one of the largest and most profitable companies in the mortgage industry.

Unme Jean Branding Web 2.0 Essay Example

Unme Jean Branding Web 2.0 Essay Case: UnME Jeans: Branding Web 2. 0 Solution #1 I think Margaret Foley is not spending enough on internet marketing as per her current media plan. According to Exhibit 1, UnME has projected the highest media budget is slotted for Television and the lowest for online banner and search marketing. I think that UnME should increase their expenditure for Online marketing due the emergence of Web 2. 0 that has attracted a lot curiosity among marketers and the users. I suggest that Ms. Foley reduce her advertising budget for newspaper by at least 10% and reduce budget allocated to television and radio by a small margin. The target market for UnME is teenage girls who are social, taste leaders in their communities and valued brand for their unique features. This audience was showing a clear shift from traditional media channels to Web 2. 0. The reasons being: Lack of control over the information they acquire on television, newspapers and radio. Overwhelmed by advertisers and cluttering of ads on the mediums. Emergence of new technology in hardware and software gave consumers more control over the type of ads they want to see and the content they wish to engage in. For UnME, the advantages of allocating a higher percentage of the budget on online marketing are: Appropriate audiences for the company can now be targeted with more accuracy and with increased efficiency. Since teenage girls would be part of social media communities and use the internet to obtain their choice of information, advertisers would easily locate them and display their ads on such virtual places. We will write a custom essay sample on Unme Jean Branding Web 2.0 specifically for you for only $16.38 $13.9/page Order now We will write a custom essay sample on Unme Jean Branding Web 2.0 specifically for you FOR ONLY $16.38 $13.9/page Hire Writer We will write a custom essay sample on Unme Jean Branding Web 2.0 specifically for you FOR ONLY $16.38 $13.9/page Hire Writer