Vikki and Tim decide to meet with a mortgage lender Essay Example for Free

Vikki and Tim decide to meet with a mortgage lender Essay Vikki Rocco, (age 26) has been living in her apartment for three years. Her savings system is well organized and she feels comfortable about the progress she is making with her financial goals. Her credit card balance is now paid in full monthly. She is continuing to save more than 10% of her gross salary in her 401(k) plan and she stay within budget. After dating for two years, she is engaged to Tim Treble (age 28), and they are planning to be married in nine months. Because they want to buy a house within the next 2 or 3 years, Vikki and Tim decide to meet with a mortgage lender to determine how large of a mortgage they will be able to afford an what they need to save. The mortgage lender asks them both questions about their finances that they hadn’t yet considered. Although Vicky feel comfortable with the questions, Tim is nervous when he forced to take a closer look at his finances. He discovers that he has much more debt than he realized. Vikki and Tim’s financial statistics are shown below : Assets Liabilities Checking Account *$10,500 (Vikki), $4,000 (Tim) Including their emergency funds Student Loan $9,000 Credit Card Balances (Tim) Car $2,500 (Vikki), $15,000 (Tim) 401 (k) balance $25,000 (Vikki), $8,000 (Tim) Income Monthly Expenses Gross Annual Salary $50,000 (Vikki) $48,000 (Tim) After-Tax Monthly Salary $2,917 (Vikki) $2,800 (Tim) Rent $750 (Vikki), $450 (Tim) Food $250 (Vikki), $350 (Tim) Student Loan $250 Credit Card Payment $300 (Tim) Entertainment-$300 Wedding Expenses $500 Gas/Repairs $350 (combined) Retirement Savings : 401 (k) Vikki $500 per month, plus 50% employer match on first 7% of pay. Tim $400 per month, plus 50% match on first 8% of pay

Comparing A Plea for Gas Lamps and Jekyll and Hyde :: comparison compare contrast essays

A Plea for Gas Lamps and Jekyll and Hyde      Ã‚  Ã‚   In "A Plea for Gas Lamps" Robert Louis Stevenson describes how, with the advent of urban gaslight, "a new age had begun for sociality and corporate pleasure seeking." Referring to the lamps as "domesticated stars," he describes the new lamplit city emerging gracefully as a festive public sphere in which "soft joys prevail" and "people are convoked to pleasure." Wolfgang Schivelbush connects such gaslit pleasure directly to commerce. "Gaslight offered life, warmth and closeness. This was true also of the relationship between light and the shop goods upon which it fell. They were close to each other, indeed, they permeated each other, and each enhanced the effect of the other."(153)    At the same time, however, the industrial uniformity of gas streetlighting made many uneasy. Like the railway, it represented a dehumanizing, centrally regulated urban infrastructure. "With a public gas supply, domestic lighting entered its industrial -- and dependent -- stage. No longer self-sufficiently producing its own heat and light, each house was inextricably tied to an industrial energy producer. . . . To contemporaries it seemed that industries were expanding, sending out tentacles, octopus-like, into every house."(28-29) This dread of uniformity became intensified as incandescent gas lighting, high pressure gas lighting (Robins 142), and finally electric arc-lighting grew more common in urban settings. People became immediately nostalgic for the flicker of gaslight, and the inhuman qualities of street lighting were directly associated with the brightness and uniformity of electric arc-lights. For Stevenson, the immediacy and central control of electric lighting transforms the city into a technological nightmare: "Our tame stars are to come out in future, not one by one, but all in a body and at once. A sedate electrician somewhere in a back office touches a spring -- and behold! . . . the design of the monstrous city flashes into vision -- a glittering hieroglyph many square miles in extent." The monstrosity of the city is defined by this sudden, startling uniformity, which obliterates the its pleasing variety, rendering it a vast, but simple design.

Bahrain Bay Qs &as

Q1: What are Bahrain Bay’s four foundational philosophies and how might they be used as marketing tools? A1: Bahrain Bay’s four foundational philosophies are: Scale and Aesthetics, Social Equity, Community Fabric and Tomorrow’s Environment, these foundations help realizing the high standards the venture is aiming for by creating this whole new totally customized environment, which adds a unique value to the project and opens a entire new market and fulfill more customers through diversification. Q2: What would you see as being Bahrain Bay’s mission?A2: â€Å"Building Customer Relations for the Future. † The way I see it, this mission statement best describes the ventures. Because through out the development of the project we can see that it’s becoming bigger and bigger with every â€Å"new customer† or best described as a new member of this business environment. Q3: What is the MIPIM, and why was it important for Bahrain Bay to target its potential customers, investors, developers and retailers? A3: MIPIM is a trade show that its organizers describe as a â€Å"market for international property trade†. It takes place annually in  Cannes,  France.It was really important for the venture to make some sort of appearance there to get the attention of nearly 26,000 property and investment professionals from around the world, which included investors that were looking to contribute in such project. Q4: Why might the Kingdom of Bahrain be an attractive location for overseas investors? A4: Simply because of its stable rather booming economic status as a major financial and commercial center, as well as many rising projects like Bahrain Investment Wharf, Bahrain Financial Harbour, Bahrain City Center and many othersQ5: What are Bahrain’s closest competitors for inward foreign investment? A5: I think of Qatar, Kuwait, Saudi Arabia and of course U. A. E. majorly Dubai Q6: What part of the marketing mix is re lated to the football sponsorship, and what functions does it perform? A6: sponsoring a football team is purely promotion. It basically spread the message to a wider audience and gives it a touch of originality by relating to something that’s already a part of the national community.

Understanding Air Pollution Causing By Nitrogen Oxide

When a huge amount of nitrogen oxide is being emitted into the air it forms smog and acid rain. Acid rain can damage everything that it falls on mainly the environment; it contaminated human resources such as water and etc. Once the acid rain contaminates the water resources it deteriorates the water quality causing more nitrogen to be in the water. With more nitrogen present in the water it upset the chemical balance of nutrients/ minerals that are being consume by the aquatic plants and animals. As a result, it can lead up to depletion in oxygen which are the key component of all living things. Without oxygen there would be no Over a period of time scientist have develop a better concept of understanding air pollution causing by nitrogen oxide. On October 2013, the World Health organization had declared that air pollution cause by nitrogen oxide to be one of the planet’s most dangerous environmental carcinogens [3]. Air pollution not only causes cardiovascular diseases but it also plays a major role in heart attack, stroke, lung cancer and other chronical diseases. Over the past 20 years, studies have indicated that increase in heart attack and stroke in associated in the increasing in air pollution. Nitrogen oxide has a major impact on the respiratory system. It impacts the respiratory system by triggering the inflammation in the lungs that can spread to the circulatory system and blood vessel narrowing; alternating the way it function. The respiratory system is veryShow MoreRelatedWhat Causes Air Pollution And What Effect Does It Have On Us Essay924 Words   |  4 PagesTOPIC: What causes air pollution and what effect does it have on us. SPECIFIC PURPOSE: At the end of my speech, the audience will be able to understand what is air pollution, what causes air pollution and what effect does it have on us. INTRODUCTION: What is air? That is the answer I want you to ask yourself. 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