Tuesday, March 17, 2020
I Have This Story to Tell . . .
I Have This Story to Tell . . . Wherever I appear, invariably someone comes up to me and asks how they can get published. I open the dialogue with questions such as: 1) Have you finished writing the story? 2) Have you edited the story with a vengeance a zillion times? 3) Have you gotten feedback from non-friends and non-family who understand the genre? 4) Have you studied indie versus traditional and understand the details of both? Maybe I ask a few more questions depending upon the nature and interests of the person. We might delve into platform and online presence. But the eyes of half those writers interrupt or divert back into a long explanation about the story; why they are writing it; what its about; why it needs to be told. I gently pull them back to the original question about publishing, and learning the craft well enough to be worthy of publishing. Some come back with me. Then there are those who, like a rubber band, launch back into a dissertation about the story. Inevitably we part, with nothing accomplished other than the writer is happy they were able to talk about their story. We didnt really discuss much about writing well or publishing smart. While the person said they wanted to know those answers, they were too wrapped up in the story. They didnt want to hear the hard part of the journey. Theyre too busy enjoying the dream. I understand that to a point. They are living the story in their head. Its a great one to know, to tell. But all they want to know about the business after the writing is PUBLISH. They want a short cut from GOOD STORY IDEA to PUBLISH, without the details. The vast chasm that is writing, editing, developing a voice, and learning the business is considered a minor obstacle in the quest to get from point A to point B, not understanding theres a long journey of canyons, mountains, and hell/fire/brimstone in between. Keep in mind that writing is more about the craft than about the subject matter. A beautiful writer can write about anything. A mediocre writer with a good idea rarely makes it off the ground. The best advice I can give you is to learn how to write (take classes, join writers groups, hire an editor) then publish. Everyone has a journey, but not everyone takes the time to learn how to write it well. Fewer still learn how to put it into print so that the GOOD STORY IDEA can reach readers. Fall in love with your story, but fall in love with the other parts, too.
Sunday, March 1, 2020
Rethinking Thanksgiving Old Holiday, New Traditions
Rethinking Thanksgiving Old Holiday, New Traditions If youââ¬â¢re the kind of person who isnââ¬â¢t a fan of traditional family dinner Thanksgiving celebrations, it doesnââ¬â¢t mean you have to give up on the holiday altogether. In fact, there are many fun, freaky ways to celebrate Turkey-Day in a style thatââ¬â¢s all your own. With a little food, and a creative outlook, this yearââ¬â¢s Thanksgiving can be one that you and your friends will remember forever. Eat a Non-Traditional Turkey Although Thanksgiving is traditionally turkey day, you can make it your own way by creating your turkey out of anything but turkey. Carve a cheese turkey, tofu turkey, or create a turkey made out of hamburgers. In fact, your new tradition can be making your turkey as untraditional as possible. If youd like to go vegetarian or just want to try some new holiday menu, check out these great, non-turkey turkey recipes: Cheese Ball Turkey (tasteofhome.com/recipes/turkey-cheese-bal) Vegetable Turkey Tray (princesspinkygirl.com/make-veggie-turkey-tray) Tofu Turkey (allrecipes.com/recipe/tofu-turkey-i) Do a Modern-Day Thanksgiving Play Everyone has seen that hashed-out thanksgiving play where pilgrims get cooking advice from the Native Americans. Instead, infuse a little fun into your Thanksgiving by producing a personalized Thanksgiving production. Choose an event that happened this year that made you thankful about something. Reenact or tell your story to keep your guests laughing and thankful. Make a Thankful Pumpkin No need to throw out those Halloween decorations just yet. For your new Thanksgiving tradition, create a ââ¬Å"Thankful pumpkin.â⬠Not only is this a fun way to get you and your roommates thinking about the good things that have happened this year, but they are a cute addition to your holiday dà ©cor. Just grab a couple of pumpkins (small or large) and some Sharpie markers. Then, have your guest write the things they are thankful for this year. You can even make a tradition of writing a single thing each day between Halloween and Thanksgiving to make the thankfulness last all month long! Eat Small Although Thanksgiving is traditionally known for itââ¬â¢s huge food, invent your own Thanksgiving tradition of eating small. Create a menu of miniature cupcakes, turkey cutouts, and apple pie pops. Not only will it impress your friends, but youââ¬â¢ll be less likely to overeat and overspend on the holiday of excess. Start a Thanksgiving Journal A cool way to remember what youââ¬â¢re grateful for is to start a Thanksgiving journal. To start your journal, try to remember all the amazing things that happened during the year and write them down. Then, starting the day after Thanksgiving, write a single thing each day that youââ¬â¢re thankful for ââ¬â no more than a sentence or two. Next Thanksgiving, you can review the wonderful things that happened all year long. Hide the Popeââ¬â¢s Nose The ââ¬Å"Popeââ¬â¢s Noseâ⬠is the fatty extra part of the turkey. As a fun Thanksgiving tradition, hide this weird-looking turkey part under the mashed potatoes of someone before the feast begins. Itââ¬â¢s a guaranteed way to get people laughing, and fun surprise that your guests will look forward to every year. You can even have the person who gets the ââ¬Å"popeââ¬â¢s noseâ⬠start the round-table discussion of what theyââ¬â¢re thankful for. Try Thanksgiving Drinking Game If you want to really get into the spirit of the holiday, there is nothing more traditionally untraditional than turning the Macyââ¬â¢s Thanksgiving Day Parade into a drinking game. Or, if youââ¬â¢re not a drinker, itââ¬â¢s a spice up your Thanksgiving with a little truth or dare. Rules of the Game: Drink (or do a dance) every time a float features a Broadway musical. Drink (or take off an article of clothing) every time a singer messes up his lip-syncing. Drink (or switch seats with someone) every time someone mentions the word ââ¬Å"Snoopy.â⬠Drink (or do the Chicken Dance) every time someone says the word ââ¬Å"Turkey.â⬠Drink (or sing ââ¬Å"Santa Claus is Coming to Town) when you see Santa. Drink (or kiss a stranger) every time an announcer says ââ¬Å"Wow.â⬠Drink (or tell an embarrassing story) every time you call it the ââ¬Å"Macyââ¬â¢s Day Parade.â⬠Say goodbye to boring, emotionally-fraught holidays of the past. All it takes is a little creativity and a willingness to have fun to make your Thanksgiving into a fantastic holiday. With a couple of creative recipe ideas, some brand new holiday traditions, and even a drinking game or two, Thanksgiving could easily become your new favorite holiday. What are your plans for Thanksgiving this year? Do you have some unusual traditions for the holiday? We are waiting for your comments and feedback!
Thursday, February 13, 2020
Risk Identification Essay Example | Topics and Well Written Essays - 1000 words
Risk Identification - Essay Example For anything to qualify as an art, it is essential that an element of subjectivity lies therein. Subjectivity hitherto refers to lack of objective and empirical explanation for the factors that might be involved in the undertaking. These do tend to be absent from the dynamic identification of risk at certain junctures. Here comes the viewpoint of considering it as underdeveloped. The fact of the matter is, that classifying the true potential of a subjective quantity is never really possible - hence making risk identification an essentially underdeveloped art. It may not be taken as a negative feature, but rather as inherent trait. It is partially developed in the context that certain integral features of the process of risk management have been actualized, and can be subsequently applied to any school of thought wanting to get a risk identification for itself. However, it is reasonably underdeveloped in the context of protective and speculative abilities. After all, the primary purpose of risk identification is to rid oneself off it and possibly avoid a remission of the same. However, the complex dynamics of every operating system, man or machine, makes it a magnanimous task to recognize all possible risks. Wikipedia explains the process of risk identification, "... It is partially developed in the context that certain integral features of the process of risk management have been actualized, and can be subsequently applied to any school of thought wanting to get a risk identification for itself. However, it is reasonably underdeveloped in the context of protective and speculative abilities. After all, the primary purpose of risk identification is to rid oneself off it and possibly avoid a remission of the same. However, the complex dynamics of every operating system, man or machine, makes it a magnanimous task to recognize all possible risks. Risk Identification - Domain Wikipedia explains the process of risk identification, "After establishing the context, the next step in the process of managing risk is to identify potential risks. Risks are about events that, when triggered, will cause problems. Hence, risk identification can start with the source of problems, or with the problem itself." This explains the rationale of how things are taken, and hopefully, preempted. After this, it is desirable for the analysis of the risk to be taken. These can be further of two types: 1. "Source analysis Risk sources may be internal or external to the system that is the target of risk management. Examples of risk sources are: stakeholders of a project, employees of a company or the weather over an airport. 2. "Problem analysis Risks are related to fear. For example: the fear of losing money, the fear of abuse of privacy information or the fear of accidents and casualties. The fear may exist with various entities, most important with shareholder, customers and legislative bodies such as the government" (Wikipedia). Risk Identification - Methods Risk identification factors can be multifaceted in their origin. "The chosen method of
Saturday, February 1, 2020
Some Factors that Influence Language Development in Children Essay
Some Factors that Influence Language Development in Children - Essay Example This ability explains why very young children acquire the language of the environment that they live in faster than older ones. Following McCarthy (1960), the main stages that follow in early childhood can be summarized as babbling and cooing, pronouncing a variety of syllables (not complete words), imitating sounds and voices of others, and ending up with the pronouncement of a limited number of complete words. Knudtzon (1998) notes that in the second year the child can use two-word sentences. And in the third year he is a keen user of language. The progress continues by interacting with other members of the community, and by joining school, where speaking, reading and writing skills are developed. In the very early stage the children are mainly under the effect of their parents and siblings. Developments in their cognitive abilities affect them as they grow up. Interacting with the community and going to school may require the child to learn another language different from what he uses at home or in the community. It is the aim of this paper to report on the empirical findings by different researchers on family structure, cognitive abilities and second-language learning as factors that influence the child's language development either positively or negatively. These findings are mainly the result of observing samples of children of different ages over a specific period of time that may extend for months, and of conversations with parents. 2. Family Structure Families consist usually of two parents, but there are families of one parent only. There may or may not be siblings for the child whose development of language is considered. One parent or both may be working or not, and have different educational... According to the report findings families consist usually of two parents, but there are families of one parent only. There may or may not be siblings for the child whose development of language is considered. Some families assume an active role in their community, while others just keep to themselves. Family structure then, while taking into account parents work, education and relations to others in the community, surely has an immense effect on the child's language development. This effect can speed up the child's language development, or slow it down, depending on how many hours the children are close to their parents, the type of vocabulary the parents use, and the amount of talk input by them.This essay stresses thatà the effect of siblings on a younger brother or sister is paramount. From the personal experience of some parents, it has been found that the first child will have slower language development, in terms of how many words that he or she can pronounce, and sentences t hat can be formed at a certain age; while the second or third will be faster in acquiring more words, and using them at the same age. In these cases, older siblings act as language teachers of a special kind. The same age range, the similar cognitive abilities, and the close ways of pronouncing will make it easier for the older and younger to get on well. In such an interaction, the transfer of skills, from the older to the younger, flows in a natural and smooth way and greatly enhances language development in both.
Friday, January 24, 2020
Essay --
Katie Werner Mr. Oster AP Composition & Literature 12/13/13 Crime & Redemption Fyodor Dostoyevsky sets his classic romantic novel, Crime and Punishment, in 19th century Russia, and addresses the many psychological issues faced by lower class Russian citizens of the time, such as: morality, insanity, alienation, poverty, and religion. In the novel, Dostoyevsky presents his character, Rodion Romanovich Raskolnikov (also referred to as Rodya,) as a non-typical criminal who murders Alyona, an unfair pawnbroker, simply to test his theory that exceptional men are exempt from the law. In doing this, Dostoyevsky creates a complex character, whom, because of his actions and apathetic nature, can easily be perceived as evil or immoral: ââ¬Å"He pulled the axe quite out, swung it with both arms, scarcely conscious of himself, and almost without effort, almost mechanically, brought the blunt side down on her headâ⬠(Dostoyevsky 72). Raskolnikov commits this crime in such a cold, detached fashion, that based on this action and the additional murder of the pawnbroke rââ¬â¢s mentally disabled sister, Lizav...
Thursday, January 16, 2020
Music and Its Effect on the Human Body
Music stimulates brain growth and productive function. It is instinct to make and enjoy music in homo sapiens, it does not get wiped from memory by diseases like Parkinsonââ¬â¢s or Dementia, it was been known to help children with ADHD and ADD pay attention, Charles Darwin and other specialists support the idea that it was used to help us evolve and bond throughout our existence. Music is a way for people to transmit emotions, feelings, ideas, and motivation better than words can do; almost as if it is our innate language.With all these examples, it is impossible to deny the power of music and its positive influence on our mental processes. It is engraved in our biology to be moved by music, powered by its emotional force, and to stimulate our brains in ways that enforce knowledge and facilitate natural mental processes. ââ¬Å"In 2008 archaeologists in Germany discovered the remains of a 35,000-year-old flute. â⬠(Zimmer 1); that discovery is undeniable evidence that music e xisted long before organized civilization. Music is a part of our genealogy, we have used it as a tool to transmit thoughts before modern language was even thought about.Charles Darwin theorized that humans started using music as a way to attract mates, as a peacock shows off its feathers. Other specialists such as Dean Falk of the School for Advanced Research in Santa Fe, New Mexico, and Ellen Dissanayake of the University of Washington at Seattle believe that music was used to soothe babies as well. The proper term for this biological process is called, motheresing. Just as mothers today, in all cultures, sing lullabies to soothe their young, primordial humans did the same. The way females motherese are similar in all cultures: a quietly sung song with higher than normal speech, pitch, and slow tempo.These professionals speculate that once the essential elements were laid out and understood, adults began to make music for their own enjoyment as well. Robin Dunbar, a psychologist f rom the University of Oxford holds a third opinion, that music evolved as a way to bond together large groups. Just like primates bond with each other during grooming, primal humans did the same. Eventually, our groups became too large for grooming to remain effective; music offered a practical solution. Large groups could sing together, soothe each other, bond, and vent extra emotions all in one procedure. This practice resembles a modern day concert.It is very reasonable to believe that all of these hypotheses are true because they all exist in evolved forms today. Biologically, music has scientifically proven effects as well. Research suggests that music releases endorphins that work as natural pain-killers. Carl Zimmer states: Dunbar and his colleagues studied people who played music or danced together in church groups, samba classes, drumming circles, and the like. After the performances, the scientists made an indirect measure of the endorphin levels in the performersââ¬â¢ bodies, putting blood pressure cuffs on peopleââ¬â¢s arms and inflating them until the subjects complained of pain. Since endorphins kill pain, a higher pain threshold indicates elevated levels of the compounds. ) The researchers then repeated the procedure with employees of a musical instrument store who listened passively to constant background music. People who actively moved their bodies to musicââ¬âdancers, drummers, and so onââ¬âhad elevated pain thresholds, but no such effect showed up among those who merely listened. (1) This could be another reason that music came into existence, to provide medical help before the days of modern medicine.Today, music therapy is used to help patients with Dementia, Alzheimerââ¬â¢s, Parkinsonââ¬â¢s, attention deficit disorders, etc. ; it is used to improve communication, academic abilities, attention span, motor skills, and management of both pain and behavior just to name a few others (Turner 2261-2271). ââ¬Å"The Center fo r InnerChange in the Denver suburb of Greenwood Village, promotes the idea that ââ¬Ëlistening therapy,ââ¬â¢ or several sessions of listening to music rich in high and low frequencies, can stimulate the brain enough to eliminate ADHD symptomsâ⬠(Samuels 37).The Music for Life project uses the power of music to soothe and repair Dementia sufferers every day. By playing soothing music the patient relaxes, smiles, and in some cases communicates! (Bredin 48). This medication, music, is free of side effects and extremely cost effective. One MP3 player costs less than any prescription of typical medication. Psychically, music therapy has numerous beneficial effects! Judith Turner states in the Gale Encyclopedia on Medicine: Brain function physically changes in response to music.The rhythm can guide the body into breathing in slower, deeper patterns that have a calming effect. Heart rate and blood pressure are also responsive to the types of music that are listened to. The speed of the heartbeat tends to speed or slow depending on the volume and speed of the auditory stimulus. Louder and faster noises tend to raise both heart rate and blood pressure; slower, softer, and more regular tones produce the opposite result. Music can also relieve muscle tension and improve motor skills. It is often used to help rebuild physical patterning skills in rehabilitation clinics.Levels of endorphins, natural pain relievers, are increased while listening to music, and levels of stress hormones are decreased. This latter effect may partially explain the ability of music to improve immune function. A 1993 study at Michigan State University showed that even 15 minutes of exposure to music could increase interleukin-1 levels, a consequence which also heightens immunity. (2261-2271). Without doubt, one can say that music has important physical effects on the body and should be used as a natural supplement for both the healthy and the ill.To reduce anxiety, relax heart rate, and relieve pain through release of endorphins music is a superior choice (in comparison to drugs) to assist in medical endeavors. Mentally, music has numerous benefits as well. It heals the brain through enabling exercise of damaged lobes of the brain and releasing crucial. Autistic patients have shown particularly significant progress when aided with music therapy. Therapy with music is proven to aid in autistic patients communication, relationships with others, and improve their learning skills.Cases with substance abuse, schizophrenia, paranoia, and personality disorders are aided with skills of social interaction, reality orientation, coping skills, stress reduction, and expression of feelings. (Turner 2261-2271). Although the effects of music therapy are countless, the simplicity of therapy is uncanny. Therapists analyze their patientsââ¬â¢ conditions then choose a variety of techniques to provide the desired effects, then use musical endeavors such as singing, listening to in strumental music, composition, dancing and guided imagery to help the patient cope with their affliction.Learning to play a musical instrument helps develop motor skills in individuals with developmental delays, brain injuries, or any other motor impairment while also exercising impulse control and group cooperation. Creative movement improves coordination, strengths, and even balance. Improvisation can help anyone learn to express emotion through nonverbal means as well as encouraging socialization and communication of feelings. Singing can develop vocal articulation, rhythm, and breathe control. For troke victims, remembering lyrics and/or melodies is an invaluable technique in healing their amygdala (the part of the brain that deals with memory and perception of auditory stimuli); a healthy amygdala also provides clearer speech and more effective communication. Getting out feelings is easily facilitated with music. Composing lyrics and music assist in persisting through fears and negative feelings. Listening to music can also make people aware of memories or emotions that need to be acknowledged. Singing is also a similar method. Guided Imagery and Music (A.K. A. GIM) is a widely recognized technique developed by music therapist Helen Bonny. This technique utilizes music to invoke emotions, pictures, and symbols from the patient as a bridge to the exploration and expression of (often subliminal) feelings. (2261-2271). Further, Turner explains more of the possibilities of musical therapy in the Gale Encyclopedia of Medicine: Patients with brain damage from stroke, traumatic brain injury, or other neurologic conditions have been shown to exhibit significant improvement as a result of music therapy.This is theorized to be partially the result of entrainment, which is the synchronization of movement with the rhythm of the music. Consistent practice leads to gains in motor skill ability and efficiency. Cognitive processes and language skills often benefit from a ppropriate musical intervention. Pain, anxiety, and depression are major concerns with patients who are terminally ill, whether they are in hospice or not. Music can provide some relief from pain, through release of endorphins and promotion of relaxation.It can also provide an opportunity for the patient to reminisce and talk about the fears that are associated with death and dying. Music may help regulate the rapid breathing of a patient who is anxious, and soothe the mind. The Chalice of Repose project, headquartered at St. Patrick Hospital in Missoula, Montana, is one organization that attends and nurtures dying patients through the use of music, in a practice they called music-thanatology by developer Therese Schroeder-Sheker. Practitioners in this program work to relieve suffering through music prescribed for the individual patient. (2261-2271).Without a doubt, music affects the brain in some very dynamic ways. It has roots thousands of years old, evidence as being an important factor in human evolution, and substantial effects on people today. Rhythm and melody can heal the sick, provide aid in medical treatment, increase brain functioning in both the ill and the healthy, and influence mood to a significant degree. In conclusion, no matter what music someone is in to, it has a noteworthy effect on our body and brain. Works Cited Begley, Sharon. ââ¬Å"Music on the Mind: Scientists are finding that the human brain is pre-wired for music.Could this sublime expression of culture be as much about biology as art? â⬠Newsweek 24 July 2000: 50. Opposing Viewpoints In Context. Web. 19 Sep. 2012. Bredin, Henrietta. ââ¬Å"Communicating through music: Henrietta Bredin on how Music for Life can help overcome the isolation of dementia sufferers. â⬠Spectator 12 Dec. 2009: 48+. Opposing Viewpoints In Context. Web. 19 Sep. 2012. Dalrymple, Theodore. ââ¬Å"If music be the food of health. â⬠Spectator 10 Nov. 2007: 51+. Opposing Viewpoints In Context. We b. 19 Sep. 2012. Samuels, Christina A. Attention Seekers; Some parents of children with attention deficit hyperactivity disorder say alternatives such as brain exercises or music therapy are better than medication. â⬠Education Week 27 July 2005: 37. Opposing Viewpoints In Context. Web. 19 Sep. 2012. Turner, J. (2002). Music Therapy. In D. S. Blanchfield & J. L. Longe (Eds. ), The Gale Encyclopedia of Medicine (2nd ed. , Vol. 3, pp. 2269-2271). Detroit: Gale. Zimmer, Carl. ââ¬Å"The Brain; Is Music for Wooing, Mothering, Bondingââ¬âor Is It Just ââ¬ËAuditory Cheesecake'? â⬠Discover Dec. 2010: 28+. Opposing Viewpoints In Context. Web. 19 Sep. 2012.
Wednesday, January 8, 2020
Predatory Lending in the Housing Industry - 3062 Words
The Ethics of Predatory Lending in the Housing Industry The real estate industry is thriving with approximately sixty-eight percent of all Americans being homeowners. With low interest rates, 1st time home buyer down payment assistance programs, and government funded educational opportunities (i.e. the Home Ownership Center of Greater Cincinnati), the real estate and mortgage lending industries will continue to flourish. However, there are some unethical lending practices that are threatening the housing industry as a whole. Those involved in the mortgage lending process have some duty to the borrower. They are expected to perform their specific duties in an ethical manner and have some form of direct or indirect contact with theâ⬠¦show more contentâ⬠¦credit life insurance being implied as necessary to obtain a loan). Ã⢠Failure to report good payment on a borrower s credit report. Ã⢠Falsifying loan documents. Ã⢠Making loans to mentally incompetent parties. Ã⢠Mailing live loan checks to clients that do not request them. Through the use of false promises and sneaky sales tactics, borrowers are convinced to sign a loan contract before they have had a chance to review the paperwork. If the borrower is allowed the chance to go over the fine details of the contract, a significant amount of the borrowers targeted by predatory lenders haven t been updated enough to really understand what they are signing. In most cases, sub-prime borrowers do not hire attorneys to represent them. They either don t have the cash flow to do so, or they are not made aware of the opportunity. An example of the predatory lending practice of high interest rate financing is as follows: A $100,000 mortgage at 8% and zero points over a 30-year time period yields interest worth $164,155. Not all loans are available at 8% because not all borrowers have great credit. Now, let s say that 8% is the base rate for loans today but rates as high as 12% and zero points will be allowed. This means that a $100,000 loan over 30years would have a projected interest cost of $270,300. Any loan with a higher projected yieldÃâ"including interest, points, loan discount fees, origination fees, andShow MoreRelated Predatory Lending in the Housing Industry Essay2965 Words à |à 12 PagesEthics of Predatory Lending in the Housing Industry nbsp;nbsp;nbsp;nbsp;nbsp;The real estate industry is thriving with approximately sixty-eight percent of all Americans being homeowners. With low interest rates, 1st time home buyer down payment assistance programs, and government funded educational opportunities (i.e. the Home Ownership Center of Greater Cincinnati), the real estate and mortgage lending industries will continue to flourish. However, there are some unethical lending practicesRead MoreSocial Policy Related to Individuals in a Rural Setting1611 Words à |à 6 Pagessocial policy. Introduction Individuals in rural areas face adversity and challenges that are different than faced in other settings. Specifically, these challenges are related to employment, transportation, access to health care, and access to housing that is energy efficient. The work of Friedman (2003) reports that while a great part of the debate on welfare reform is focused on the urban poor nearly 20 percent of welfare recipients reside outside of central cities and metropolitan areas. TheyRead MoreThe Subprime Loan Blog Assignment And References Of Resources Researched Essay1390 Words à |à 6 Pagesof the page to review the posts. First Post There were many culprits in the subprime loan debacle in the United States starting somewhere around the middle of 2006. 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Presumably, every young couple, low-income family, and incoming immigrant hopes to one day produce 1.7 kids, obtain 1.3 cars, and of course purchase the house with the white picket fence. But fulfilling these goals costs money; and the aforementioned groups are among the least financially stable in the country. These peoples need forRead MoreHow to Solve the Foreclosure Crisis Essay2252 Words à |à 10 Pages Within the past three to four years, the United States has seen the dramatic collapse of the housing market. The housing bubble spurred by ill-advised loans to individuals who could not afford a mortgage, complicated contracts which had interest rates and payments changing without reason, and the mass purchasing of bad loans by lending superpowers, had popped. The rapid increase in the value of homes across the country for the previous decade, had been a falsity, in which billions of dollars funded
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