Tuesday, November 26, 2019
Stranger Monsters Professor Ramos Blog
Stranger Monsters Stranger Things is a rare breed of a series. It not only manages to capture itââ¬â¢s audiences attention with its incredibly unique story, but the actors are quick and easy to fall completely in love with. This series manages to have a fantastic character arc for the heroes as well as constantly having the threat of the unknown ââ¬Ëupside downââ¬â¢ constantly growing. While the first season focused on the demi-gorgon and the second on the demodogs, the third season brings a fresh villain which was teased at the end of the second season. The Mind Flayer has a unique approach on a monster which overall makes for a great and disturbing story. The show is set in the early eighties, which was a time where American citizens were afraid of the Soviet Union because of the Cold war. It was believed that there were secret Labs underground created by Soviet spies who would do human experimenting. This ended up being a major influence for this season. With the idea that they would eventually unearth themselves and start mind controlling people to fight against America. Mind Control was no laughing matter in the eighties. In fact, it was commonly feared by the majority of the american population. The term ââ¬Ëbrainwashingââ¬â¢ was actually born from the Cold war. It is said that, ââ¬Å"The notion of ââ¬Ëbrainwashingââ¬â¢ emerged out of the conjuncture in the outbreak of the Cold War and the sense of panic it created in American society. Efforts to master this panic found new intelligence infrastructure and in new frameworks of discourse, knowledge, and terminology.â⬠(Killen Andriopoulos 8) Basically, writers and filmmakers took advantage of the American knowledge, or lack thereof, and took advantage of it to produce novels and film. Killen Andriopoulos gave great modern examples of the Jason Bourne series and Shutter Island. (9) This ties in very well with Jeffery Cohens first monster theory, ââ¬Å"The Monsterââ¬â¢s Body Is a Cultural Body.â⬠(4) Although the eighties did not consist of a huge human consuming monster, the fear of Russian testing and the unknown was definitely real. Cohen states that, ââ¬Å"The monster is born only at this metaphoric crossroads, as an embodiment of a certain cultural moment.â⬠(Cohen 4) This monster acts as a representation of what Americans were afraid could happen or be created in the Cold war era. Having Allies turn against each other. The Mind Flayer throughout this season acts as a puppeteer, pulling the strings while having others it has assimilated do its bidding. What is interesting about this monster is that it also uses its ââ¬Ëhostsââ¬â¢ to grow itself, turning them into a slime like paste to which they crawl together to make the main monster bigger and stronger. Which works well in making a very uncomfortable scene watching a character go from a human to a semi-slime monster. But what exactly makes this monster scary? The Mind Flayer uses humans that it assimilates to do its bidding, which makes the human the villain. This is a very interesting metaphor in that the Mind Flayer, while it might not have necessarily been created by humans, is still in our dimension because of human curiosity and testing. The Mind Flayer, while it is its own monster, still came from the upside down. The fact of the matter is not that the monster has never left. The gate to the upside down was closed in one place but opened in another, never truly leaving the small city of Hawkins. Cohens second theory, ââ¬ËMonsters Always Escapesââ¬â¢ can be tied into the idea that while the group might have defeated the demi-gorgon and the demodogs in the previous seasons, the one thing that never left the city was the portal to the upside down. Acting as almost the main villain to the heroes, constantly throwing new monsters at them. The film Get out has a fantastic interpretation on mind control. Director Jordan Peele takes a unique twist on what is a simple horror movie and creates a monster that can control another human beings body, rendering them essentially a backseat driver in their own body. The idea of being conscious in what you are doing but not being able to do anything about it is truly a terrifying feeling. The characters are similar to the Mind Flayer in that when the highest bidder wins the body, the surgical procedure allows conscious to override and take control of the victims body. While the Mind Flayer does not have to have a surgical procedure to control its victims, it still overtakes the victim and has complete control over their actions and decisions. The Mind Flayer works so well as a monster because it is unique. While it has been done before the way it was presented and executed distracts the viewer and enthralls them into wanting more. This disgusting slimy beast works in the shadows which allows the actors to really shine. Also, some of the monsters actions create a real tear jerker for the viewer, giving major character development and allowing a fantastic story to play out through its ravenous destruction. There Is however one interesting fact about the monster that does leave some unanswered questions. In an interview with the directors and cast members for the third season, Matt Duffer stated, ââ¬Å"Eleven closed the Gate, but the Mind Flayer is still alive in the Upside Downâ⬠(Stack 2). Watching the season it is not really explained at all how the Mind Flayer managed to escape the upside down when the previous monsters did not. It is true that later in the season it is revealed that there is another gate being kept open by the Russian government. But this does not elaborate on how the Mind Flayer was the only thing able to escape after the gate was shut. Although there is a significant plot gap it does not take away from the overall story. The monster still provides a wonderful fresh experience and frightening demeanor for the viewers when on screen. But why does this creature work so well for this series? The Mind Flayer provides such a fresh, and creative idea of a monster that really strays away from the standard traditional horror films. And is a big reason why the series works so well. You are not expecting as a viewer to see some recurring characters just evaporate into a disgusting pile of goo and literally attach themselves together. But what has to be the most chilling trait of this monster is its ability to take over someones body and mind. The idea that your neighbor or family member could be actively trying to kill you adds a chilling on screen tension that definitely deserves more credit than what is given. This is a monster that is unique and different as opposed to your standard zombie. It has a mysterious background but a fantastic tool kit of skills it uses to terrorize the protagonists. This monster easily deserves a 4/5. While it does contain some miniscule flaws, the overall idea and execution of this monster were flawless. Its creativeness and uniqueness manages to leave the viewer constantly wondering what is next, or even who is next. Stranger things continues to display such unique and intriguing monsters that in the end, help create fantastic plot lines and seasons. And the third iteration of Stranger Things continues to live up to the expectations it has set in the first season. Annotated Bibliography Levy, Shawn, Et all. ââ¬Å"Stranger Things .â⬠Netflix, season 3, episode 1-8, 4 July 2019. The popular Netflix series stranger things has a monster that has a hive mind. I found this to be an interesting take and interpretation of what a zombie could be or is. Im planning on using the series to show a different style of zombie and how it differs from the standard brain eating mindless monster that is more commonly known. Cohen, Jeffery jerome. ââ¬Å"Monster Culture (Seven Theses).â⬠Englishwithtuttle, www.englishwithtuttle.com/uploads/3/0/2/6/30266519/cohen_monster_culture__seven_theses__3-20.pdf. This article is Jeffery Cohenââ¬â¢s seven Theses on monsters was discussed in class. This Article will be one of the main sources from comparisons, and stereotyping monsters to correctly classifying the individual as a monster. This source is credible because it is peer reviewed. J effery is also a college professor at the George Washington University. Peele, Jordan, director. Get Out. Universal Pictures Home Entertainment, 2017. The Widely popular movie Get Out has a fantastic twist on mind control. This is a great comparison to the Mind Flayer and gives some perspective as well as contrast to some of the characters in the movie. These comparisons and contrasts are what I plan on using in this analysis. Killen, Andreas, and Stefan Andriopoulos. ââ¬Å"Editors Introduction.â⬠Grey Room, Oct. 2011, web.a.ebscohost.com/ehost/pdfviewer/pdfviewer?vid=12sid=ff43cd13-cf61-4fb3-9767-5b595eacef4b@sessionmgr4008. This peer reviewed article goes into detail about mind control and brainwashing. It also goes into detail about how it originated, from the Cold War. This was a huge inspiration for the third season of stranger things. This will make a fantastic supporting article for the inspiration and the birth of the monster. Stack, Tim. ââ¬Å"Stranger Things 3.â⬠Entertainment Weekly, web.b.ebscohost.com/ehost/pdfviewer/pdfviewer?vid=3sid=b4b742f9-03e2-4875-bac8-afda0fb643ab@pdc-v-sessmgr05. Tim Stacks is a reporter who did an interview with the cast and directors of the series. He answers a lot of questions and brings in an interesting point of view on certain topics. One question shows an error with the origin and plotline of the monster. I plan on using this to describe what is wrong with the monster.
Friday, November 22, 2019
Battle of Fishers Hill in the American Civil War
Battle of Fishers Hill in the American Civil War Battle of Fishers Hill - Conflict Date: The Battle of Fishers Hill was fought September 21-22, 1864, during the American Civil War (1861-1865). Armies Commanders: Union Major General Philip H. Sheridan29,444 men Confederate Lieutenant General Jubal A. Early9,500 men Battle of Fishers Hill - Background: In June 1864, with his army besieged at Petersburg by Lieutenant General Ulysses S. Grant, General Robert E. Lee detached Lieutenant General Jubal A. Early with orders to operate in the Shenandoah Valley.à The goal of this was to have Early reverse Confederate fortunesà in the region which had been sustained a blow due to Major General David Hunters victory at Piedmontà earlier in the month.à Additionally, Lee hoped that Earlys men would divert some Union forces away from Petersburg.à Arriving at Lynchburg, Early was able to force Hunter to withdraw into West Virginia and then drove downà (north) the valley.à Entering into Maryland, he pushed aside a scratch Union force at the Battle of Monocacy on July 9.à à Respondingà to this new threat, Grant ordered Major General Horatio G. Wrights VI Corps north from the siege lines to reinforce Washington, DC.à Though Early threatened the capital later in July, he lacked the forces to mount a meaningful assault on th e Union defenses.à With little other choice, he withdrew back to the Shenandoah. Battle of Fishers Hill - Sheridan Takes Command: Weary of Earlys activities, Grant created the Army of the Shenandoah on August 1 and appointed his cavalry chief, Major General Philip H. Sheridan, to lead it.à Composed of Wrights VI Corps, Brigadier General William Emorys XIX Corps, Major General George Crooks VIII Corps (Army of West Virginia), and threeà divisions of cavalry under Major General Alfred Torbert,à this new formation received orders to eliminate Confederate forces in the Valley and render theà region worthless as a source of supplies for Lee.à Moving south from Harpers Ferry, Sheridan initially showed caution and probed to ascertain Earlys strength.à Leading fourà infantry and two cavalry divisions, Early misinterpreted Sheridans earlyà tentativeness asà over-caution and permitted his command to be strung out between Martinsburg and Winchester. Battle of Fishers Hill - Gibraltar of the Shenandoah Valley: In mid-September, having gained an understanding of Earlys forces, Sheridan moved against the Confederates at Winchester.à In the Third Battle of Winchester (Opequon) his forces inflicted a severe defeat on the enemy and sent Early reeling south.à Seeking to recover, Early reformed his men along Fishers Hill just south of Strasburg.à A strong position, the hill was situated at a point where the valley narrowed with Little North Mountain to the west and Massanutten Mountain to the east.à Additionally, the north side of Fishers Hill possessed a steep slope and was fronted by a creek named Tumbling Run.à Known as the Gibraltar of the Shenandoah Valley, Earlys men occupied the heights and prepared to meet Sheridans advancing Union forces. à Though Fishers Hill offered a strong position, Early lacked sufficient forces to cover the four miles between the two mountains.à Anchoring his right on Massanutten, he deployed the divisions of Brigadier General Gabriel C. Wharton, Major General John B. Gordon, Brigadier General John Pegram, and Major General Stephen D. Ramseur in a line extending east to west.à To bridge the gap between Ramseurs left flank and Little North Mountain, he employed Major General Lunsford L. Lomaxs cavalry division in a dismounted role.à With the arrival of Sheridans army on September 20, Early began to realize the danger of his position and that his left was extremely weak.à As a result, he began making plans for a retreat further south to begin on the evening of September 22.à à Battle of Fishers Hill - The Union Plan: Meeting with his corps commanders on September 20, Sheridan rejected mounting a frontal assault against Fishers Hill as it would cause heavy losses and had a questionable chance of success.à Subsequent discussions resulted in a plan to strike Earlys right near Massanutten.à While this was endorsed by Wright and Emory, Crook had reservations as any movement in that area would be visible to the Confederate signal station atop Massanutten.à Adjourning the meeting, Sheridan reconvened the group that evening to discuss a thrust against the Confederate left.à Crook, with support from one of his brigade commanders, future president Colonel Rutherford B. Hayes, argued in favor of this approach while Wright, who did not wish his men to be relegated to a secondary role, fought against it.à When Sheridan approved of the plan, Wright attempted to secure leading the flank attack for VI Corps.à This was blocked by Hayes who reminded the Union commander that VIII Corps had spent much of the war fighting in the mountains and was better equipped to traverse the difficult terrain of Little North Mountain than VI Corps.à Resolving to move forward with the plan, Sheridan directed Crook to begin quietly moving his men into position.à That night, VIII Corps formed in heavy woods north of Cedar Creek and out of sight of the enemy signal station (Map). Battle of Fishers Hill - Turning the Flank: On September 21, Sheridan advanced VI and XIX Corps towards Fishers Hill.à Nearing the enemy lines, VI Corps occupied a small hill and began deploying its artillery.à Having remained concealed all day, Crooks men commenced moving again that evening and arrived at another concealed position north of Hupps Hill.à On the morning of the 21st, they ascended the east face of Little North Mountain and marched southwest.à Around 3:00 PM, Brigadier General Bryan Grimes reported to Ramseur that enemy troops were on their left.à After initially dismissing Grimes claim, Ramseur then saw Crooks men approaching through his field glasses.à Despite this, he refused to send more forces to the left end of the line until he discussed it with Early. In position by 4:00 PM, Crooks two divisions, led by Hayes and Colonel Joseph Thoburn, commenced their attack on Lomaxs flank.à Driving in the Confederate pickets, they quickly routed Lomaxs men and pressed on towards Ramseurs division.à As VIII Corps began to engage Ramseurs men it was joined on its left by Brigadier General James B. Ricketts division from VI Corps.à Additionally, Sheridan directed the remainder of VI Corps and XIX Corps to pressure Earlys front.à In an attempt to rescue the situation, Ramseur directed Brigadier General Cullen A. Battles brigade on his left to refuse back to face Crooks men.à Though Battles men mounted a fierce resistance, they were soon overwhelmed.à Ramseur then sent Brigadier Generalà William R. Coxââ¬â¢s brigade to aid Battle.à This force became lost in the confusion of the fight and played little role in the engagement. Pressing forward, Crook and Ricketts next rolled Grimes brigade as enemy resistance faltered.à With his line shattered, Early began directing his men to withdraw south.à One of his staff officers, Lieutenant Colonel Alexander Pendleton, attempted to mount a rearguard action on the Valley Turnpike but was mortally wounded.à As the Confederates retreated in confusion, Sheridan ordered a pursuit in the hopes of dealing Early a fatal blow.à Chasing the enemy south, the Union troops finally broke off their efforts near Woodstock. Battle of Fishers Hill - Aftermath: A stunning success for Sheridan, the Battle of Fishers Hill saw his troops capture nearly 1,000 of Earlys men while killing 31 and wounding around 200.à Union losses included 51 killed and around 400 wounded.à As Early escaped south, Sheridan commenced laying waste to the lower part of the Shenandoah Valley.à Reorganizing his command, Early attacked the Army of the Shenandoah on October 19 while Sheridan was away.à Though the fighting at the Battle of Cedar Creek initially favored the Confederates, Sheridans return later in the day led to a change in fortunes with Earlys men being driven from the field. à The defeat effectively gave control of the valley to the Union and eliminated Earlys army as an effective force. à Selected Sources Civil War Trust: Battle of Fishers HillShenandoah at War: Battle of Fishers HillHistoryNet: Battle of Fishers Hill
Thursday, November 21, 2019
Lowe's vs. home depot Essay Example | Topics and Well Written Essays - 250 words
Lowe's vs. home depot - Essay Example That is one of reasons that statistics show more sale revenue for Home Depot which is more accessible due to more branches! Loweââ¬â¢s and Home Depot, being in the same business, have distinctly differentiated market strategy. Loweââ¬â¢s is more focused to the needs and requirements of women and housewives who are more incline to buy dà ©cor accessories and unique products that can make a fashion statement for them. Home Depot, on the other hand, caters to the bulk buyers like contractors and retail customers, men especially, who are seriously into DIY (do it yourself) products. Home Depot has a better competitive image because they not only have more stores but they have also realized the need to improve on their quality and customer service. They are also thinking of expanding their product line to cater to wider customer base. Loweââ¬â¢s, on the other hand, is just intending to improve on its customer service which is inadequate in the current scenario of recessive trend and highly competitive business
Tuesday, November 19, 2019
The Changes In The Use Of Buildings In Manchester Essay
The Changes In The Use Of Buildings In Manchester - Essay Example The city features a lot of famous buildings and landmarks including its palatial mills, warehouses, libraries, churches and other historical landmarks. The city of Manchester is also accredited to be the city from where the Industrial Revolution initiated. The cityââ¬â¢s buildings have displayed an immense show of power, politics and wealth. The banking halls featured in the famous King Street simply go on to show reflect whatââ¬â¢s just mentioned above by its large and well-furnished banking halls which were built during the Victorian era. Everything changes with time and so has the building landscape of Manchester. The twentieth century saw the grown of whatââ¬â¢s referred to as the ââ¬Å"modern day Mexicoâ⬠. Recognizing the importance of studies, the Central Reference Library was built on Saint Peterââ¬â¢s Street, aiming to provide students and old aged people a good place to study and increase their knowledge about things. Focusing on civic amenities of the metr opolitan, the Town Hall Extensions were also developed with an aim to provide people places where they can head out to. Throughout the years the Manchester City Council has played a very active and important role in maintaining the old buildings of the city alongside constructing new ones. The citizens of Manchester take very much pride to be associated with in a city whose council has not just maintained old buildings and preserved the heritage of the city, but utilized them in such a manner that their existence is utilized to their full capacity. The once famous Corn Exchange has now become a Triangle, the famous Joshua Hoyleââ¬â¢s warehouse situated in Piccadilly has been converted into the classy Malmaison Hotel and the Watts Warehouse has been converted into a glamorous hotel.
Saturday, November 16, 2019
Strategies Used by the Banking Industry Essay Example for Free
Strategies Used by the Banking Industry Essay In depressed economic times, Banking is an industry that is prone to substantial financial losses, from customerââ¬â¢s closing their depository account to an increase in outstanding loan delinquency. An increase in consumer and commercial loan defaults can damage the integrity of a Bankââ¬â¢s outstanding loan portfolio. Such deterioration can lead to an increase of ââ¬Å"Non-Performing Assetsâ⬠. Once a loan is nonperforming, (usually when a debtor has not made their scheduled payment for at least 90 days, but there are other reasons why a loan can be deemed ââ¬Å"non-performingâ⬠) the odds that it will be repaid in full are considered to be substantially lower. The non-performing asset is therefore not yielding any income to the lender in the form of principal and interest payments. Banks have spent the last several years grappling with nonperforming assets, but perhaps working out problems with bad loans is best left to entities that do not have to answer to a Federal Regulator. This year, more banks have escalated efforts to sell nonperforming assets, and industry experts say the volume of such deals is only going to increase. Meanwhile, a new deal structure is calling for sellers to retain the problematic assets to work them out on their own. (Barba, 2011) But, even if a loan pays in accordance with its Terms Conditions, it still can be categorized non-performing for several reasons. Deterioration in financial ratios can cause a loan to be classified non-performing, one of those financial ratios is Loan to Value or ââ¬Å"LTVâ⬠. LTV is the outstanding principal balance of the loan divided by the appraised value for real property pledged as collateral for a loan. When the appraised value of the pledged collateral decreases faster than the principal of the loan, the LTV will increase, thereby making this loan a greater risk in case of default. The benchmark LTV ratio will usually not exceed 75%, the rationale behind this threshold is if the loan does default and, subsequently, the asset disposed of, that the 25% of equity can be used to reimburse the bank for legal fees, court cost, and expenses incurred with liquidating the collateral. This strategy is incorporated in the bankââ¬â¢s lending policy in the effort to ââ¬Å"make the bank wholeâ⬠in a loan default scenario. When the loan request is not collateral based, the key financial ratio used to determine the borrowerââ¬â¢s ability to repay is Debt Service Coverage or DSC. This ratio is calculated using the existing company debt, plus the new loan obligation, divided by the businesses existing cash flow to determine if the total debt can be supported. Covenants in the loan documentation will require the business to furnish Tax Returns and Financial Statements annually to review the borrowerââ¬â¢s financial condition to ensure sufficient DSC. If it is determined that the DSC is not sufficient or if the borrower is not in compliance of the Loan Covenant by not supplying the required financial information, the loan can be classified as non-performing. An increase in the level of non-performing assets increases risk and impacts capital levels that regulators believe are appropriate in light of the ensuing risk in the loan portfolio. Regulators request that the level of non-performing assets be reduced. If these problem assets are not reduced through loan sales, workouts, or restructuring or the level of problem assets continue to rise through decreases in the value of the underlying collateral, or in these borrowersââ¬â¢ performance or financial condition, whether or not due to economic and market conditions beyond our control, could adversely affect the bankââ¬â¢s operations and financial condition. This is why banks are so interested in getting these assets off the books. Banks thatââ¬â¢ve held on to some loans in hopes of a rapidly increasing economic recovery are starting to lose hope. Moreover, the Euro Zone Debt Crisis and, locally, the $1.2 billion dollar debacle and former New Jersey Governor Jon Corzines MF Global, plus the decline in Moodys index of commercial property values, which reached around 200 in late 2007 and early 2008, before taking a complete round trip back to 100 as of the beginning of this year and leveling off to about 120ââ¬âbut has been largely treading water since late 2009. After that bounce, its gone back down a little, and looks to be flat for the foreseeable future, says David Tobin, one of the two principals of Mission Capital Advisors. Its a smart time to sell. (McDonald, 2011) Another reason for the converted interest in selling these assets is the challenge that banks are having in making new loans. ââ¬Å"Analysts and investors are demanding balance sheet improvements out of the banksâ⬠, says Tobin, ââ¬Å"and if the banks cant show strength by adding new, solid loans, then theyll do it by unloading legacy assets that are a drag on capitalâ⬠. And thats just what has happened. But when they can sell, they do. The best thing a bank can do is sell properly marked assets that help fix the balance sheet. The more you can sell, the better you are perceived. says Tobin. (McDonald, 2011). So, how do bankââ¬â¢s dispose of these assets and what is done with those assets that cannot be sold on a Secondary Market? There are several loss mitigation alternatives used by banks in both scenarios. Typical Strategies used in the sale of non-performing loans are usually Note Sales, Short-Sale or Short-Payoffs, or a Deed in Lieu of Foreclosure. A Note Sale is just as it sounds. A Bank will assign all its rights and interests in the subject Note and Mortgage (or a group of Notes and Mortgages) to an interested party for an appropriate price. A Short-Sale or Short-Payoff, again, is just as it sounds, is a method whereby the bank examines the value of the collateral, financial condition of the borrower, and will determine the amount of acceptable loss that the bank would be willing to incur ââ¬Å"just to make the borrower go awayâ⬠instead of involving themselves in a, potentially, protracted Foreclosure process. Lastly, the Deed in Lieu of Foreclosure is the process whereby the borrower surrenders the Title to the property instead of going through the, potentially lengthy and expensive, Foreclosure process. This method allows for the bank to receive a maximum price for the collateral since they, in essence, are owners of the property since they are in possession of the Title and the buyer does not have to take assignment in any Legal action initiated by the bank. More often than not, with this option, borrowerââ¬â¢s will also insist on the release of any personal guarantors on the Mortgage, so the bank doesnââ¬â¢t have an option of pursing any potential deficiency balance on the loan after the sale of the collateral. When a bank canââ¬â¢t sell their criticized and classified loans on the secondary market and has no other choice that to keep those loans on their books, there are several methods that can be used to modify the existing terms and conditions of a loan to, possibly, strengthen the credit in hopes of a possible upgrade in the loans classification by the bankââ¬â¢s Risk Managers. The first (and most preferred) of these methods is the Reinstatement. The borrower will pay all loan arrears (past-due Principal and Interest) and continue paying as agreed through the term of the loan. As an incentive to the borrower, the bank has the option of waiving accrued Late Charges and Default Interest amounts as part of the terms of the agreement. Typically, if the loan performs as agreed (usually for six to twelve months) after reinstatement, the bankââ¬â¢s Risk Managers will agree to re-classify the loan back to a performing status and resume taking in the interest income on the loan. The remaining methods are several types of Forbearance Agreements. A Standard Forbearance is often consideration (the bankââ¬â¢s delay in enforcing its legal rights and remedies under the Note) for a promise by the debtor to pay an added amount to the current Principal and Interest payments to cure the loan arrears. A Refinance Forbearance is an option whereby the borrower intends to refinance their loan with the bank in order to satisfy the obligation. Lastly, a Graceful Exit Forbearance allows the borrower the time to market and sell the mortgaged premises in order to satisfy the underlying loan obligation to the bank. The time allowed by the bank in any forbearance scenario will, usually, not exceed twenty four months. In good times or bad, deciding how to manage nonperforming assets is never easy. Loan workout can be intricate and costly, both in time and resources spent on deciding whether to work out an asset or focus on what can be salvaged. Moreover, it also requires the bank to evaluate whether the borrower can recover and still remain valued customer. (Trauner 2009) But, if the decision is made to sell the credit, then the decision is how to maximize the consideration received for the asset. Selling assets can often be perplexing and nerve-racking and the reality is that if you take time to evaluate and think purposefully about your portfolio, selling these assets can be a very effectual and fruitful tool to help manage your portfolio through the ups and downs in credit cycles. (Trauner 2009) REFERENCES Barba, R. (2011, November 14). Toxic assets turn into opportunity for community banks. Retrieved from http://www.americanbanker.com/issues/176_221/loan-sales-nonperforming-assets-private-equity-1044055-1.html. (Barba, 2011) McDonald, D. (2011, November 04). Good news? Itââ¬â¢s a buyers market for bad loans. Retrieved from http://finance.fortune.cnn.com/2011/11/04/bank-bad-loans/ (McDonald, 2011) Trauner, S. (2009, April). Non-performing assets: The keep versus sell decision. Retrieved from http://www.wib.org/publications__resources/article_library/2009-10/mar09_assets.html (Trauner, 2009)
Thursday, November 14, 2019
The Life of Kate Chopin Essay -- Biography Biographies Essays
The life of Kate Chopin à à à à Kate Chopin led a fascinating life filled with times of triumph but also times of great loss. Living in the South during the post-Civil War era, the setting and experiences of her life would have a great impact on the subjects of her writing. Chopin began writing as a way to express her frustration with life. This is why her emotions about life are conveyed so strongly in her writing. One of her short stories, "Juanita," is an excellent example of how Chopin's life affected her writing. à à à à The story of "Juanita" is that of a young woman who, though not incredibly beautiful, had many admirers. The people of her small town gossiped continually about which man she would marry. Would it be the man who had traveled all the way from the city for the sole purpose of seeing her? Or would it be the rich millionaire from Texas who owned a hundred horses? The townspeople all assumed she would choose the richest of her suitors, until one day Juanita announced that she had secretly married a poor one-legged man whom she loved very much. à à à à To truly understand the characters of Chopin's stories, one must examine the history of her life. Kate Chopin was born as Katherine O'Flaherty to a wealthy Irish St. Louis family on February 8, 1851. While she was still a young child, her father died in a train accident. Only a few years later her brother died after being captured by Union forces during the Civil War. The loss of all the males in her life, according to Hoffman, led to the intense female relationships she shared with her mother, grandmother, and great-grandmother. As a young woman, Kate treasured her independence. Late 1860's society was highly critical of her because she walked, unac... ... about the world as she actually saw it. For a woman to do this in the late nineteenth century was unheard of, and Chopin was highly criticized for it at the time. But after going through as much as she did in her life, she could not stay silent. Ker suggests that "after 39 years of trials and tribulations and just plain living, she finally had something to say!" à Works Cited Chopin, Kate. "Juanita." A Vocation and a Voice Stories. Ed. Emily Toth. New York: Penguin Books. 1991. 86-88 Chopin, Kate. The Awakening. New York: Bantam Books. 1988 Fox-Genovese, Elizabeth. "Kate Chopin: A re-awakening." http://www.pbs.org/katechopin/interviews.html Hoffman, Audrey. "Kate Chopin." http://www.kutstown.edu/faculty/reagan/chopin.html Ker, Christina. "Kate Chopin- Ahead of her Time." http://empirezine.com/spotlight/chopin/chopin1.htm à à Ã
Tuesday, November 12, 2019
Passing: Black People and Hold Clare Essay
People as the victim of inequality and social restriction (ââ¬Å"Passingâ⬠_Nella Larsen) The novel ââ¬Å"Passingâ⬠was written in 1929 and become one of the most famous novels of Nella Larsen. Like other novels which were also written about ââ¬Å"passingâ⬠, ââ¬Å"Passingâ⬠of Nella Larsen reflects the tough life of African-American in the 19th century, when they were struggling with racism to have the equal rights. Clare Kendry and Irene Redfield in ââ¬Å"Passingâ⬠both were born Negroes but with light skin so that they could be ââ¬Å"passingâ⬠. However, these two women have different choices in their life, which lead to the tragedy when they meet each other after twelve years. The novel ends with Clareââ¬â¢s death without revealing to the readers who kills her, which encourages the readers to think of the uncertain end of ââ¬Å"Passingâ⬠by logically interpreting evidence throughout of the novel. By that way, Nella Larsen might want her readers to be open-minded to understand how people become the victim of inequality and social restriction in term of race and gender. Ending her novel in uncertainty, Nella Larsen makes her readers curious about who is responsible for Clareââ¬â¢s death. The two possible things might happen are whether Clare commits suicide or Irene pushes her out of the window. Clare has her reasons to commit suicide since her husband finds out that she was born a Negro. For him, all Negroes are ââ¬Å"black scrimy devilsâ⬠and ââ¬Å"always robbing and killing peopleâ⬠(70). These prejudices exist not only in Jackââ¬â¢s mind but also among many white people. These cruel prejudices and discrimination had threatened Clareââ¬â¢s marriage for a long time before her death. Clare might be always ready for the day that the truth about her race would take everything from her. When Irene asked her whether she thought of how she could do if her husband finds out about her race, she just said yes with a smile. And at the moment Clare stands near the window, ââ¬Å"she seemed unaware of danger or uncaring. There was even a faint smile on her full, red lips, and in her shining eyesâ⬠(209). When Clare takes a risk by joining the Negroes community, she might prepare for that day, for her death. However, there are also evidences for the possibility that Irene kills Clare. First, she has the motivation. In Ireneââ¬â¢s mind, Clare is one who ââ¬Å"not only that she wanted to have her cake and eat it too, but that she wanted to nibble at the cakes of other folk as wellâ⬠(88). Before seeing Clare, Ireneââ¬â¢s life keeps going on under her control: a family with a doctor husband and two kids, living in Negroes communityâ⬠¦ But Clare comes and raises the fear inside Irene that Clare and Brian, Ireneââ¬â¢s husband, might have an affair. Although Irene doesnââ¬â¢t have any clear proofs for what she suspect, but she can feel it through the changing in attitude of Brian: ââ¬Å"For a minute, Irene hesitated, then turned her head, though she knew what it was the held Hughââ¬â¢s gaze. Clare, who had suddenly clouded all her days. Brian, the father of Ted and Juniorâ⬠¦then she saw him smile, and the smile made his face all eager, and shining. â⬠(169-170). Secondly, the readers can realize how the presence of Clare makes Irene suffers: ââ¬Å"It hurt. It hurt like hellâ⬠¦She was very tired of Clare Kendry. She wanted to be free of her. â⬠(174-179). The readers also has reason to suspect Irene since she already think of how to get rid of Clare before Clareââ¬â¢s death: ââ¬Å"If Clare should dieâ⬠¦To think, yes, to wish thatâ⬠¦the thought stayed with her. She could not get rid of itâ⬠(187). In the party, before Clare falls out from the window, Irene is the one who open it despite of the cold outside. The image of Irene ââ¬Å"watching the tiny spark drop slowly to the white groundâ⬠makes the readers relates to the falling down of Clare after that (207). At the moment that Clare stands at the window, Irene ââ¬Å"laid a hand on Clareââ¬â¢s bare arm. One thought possessed her. She couldnââ¬â¢t have Clare Kendry cast aside by Bellew. She couldnââ¬â¢t have her freeâ⬠(209). And watching Clare falls out from the window, ââ¬Å"Irene wasnââ¬â¢t sorry. She was amazedâ⬠(210). Ireneââ¬â¢s thought and attitude towards Clare at the moment she falls out from the window proved that Irene, whether responsible for Clareââ¬â¢s death or not, wants Clare to die. Therefore, the readers can suspect that Irene is the one who push Clare out of the window, leading to Clareââ¬â¢s death. Despite of many clues support for the possibility that Irene kills Clare, the author doesnââ¬â¢t want an obvious end for her novel. She keeps questioning her readers about how much they could trust what they see. Throughout the novel, Nella Larsen expresses her attitude in ridicule of white peopleââ¬â¢s blindness when they discriminate black people without knowing who they really are. Jack, a racist, marries a Negro woman because he believes in what he sees. Many people witness Clareââ¬â¢s death but nobody could be sure about what they saw. They even suspect Jack since he is the only white people there. By ending the novel in uncertainty, Nella Larsen questions her readers about how they interpret and understand who or what pushes people to death. If there is no racism, Clare would not commit suicide, and Jack wouldnââ¬â¢t be suspected just because he is white. Therefore, the most suspicious person would be Irene. If Irene doesnââ¬â¢t have any pressure about keeping her life as it must be according to social norms, she wouldnââ¬â¢t have motivation to kill Clare since she doesnââ¬â¢t love Brian: ââ¬Å"She couldnââ¬â¢t now be sure that she had ever truly known love. Not even for Brianâ⬠¦ she still intended to hold fast to the outer shell of her marriage, to keep her life fixed, certainâ⬠(201). The image of Irene put her hand on Clareââ¬â¢s bare arms before Clare falling out of the window symbolize for the struggling inside Irene. Irene plays the role of one who could help Clare come back to her community, but she also puts Clare in risk by not telling Clare about Jack seeing Irene with a black woman. Before Clare died, Irene must be the one hold Clare back, but she is also suspicious for killing Irene. The truth isnââ¬â¢t always revealed in what we see, but also in how we interpret what we know about it, which depends much on our attitude toward it. Nella Larsen let her readers have their own way to think of this uncertain end in order to question their beliefs and their values. This uncertain end of ââ¬Å"Passingâ⬠also like the uncertainty of peopleââ¬â¢s life under various pressures comes from social restriction such as race and gender. Clareââ¬â¢s death symbolize for people as the victim of inequality and social restriction.
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