Homebuying 101: An Affordable Challenge
For the past four weeks, Natalie Delsoin and 24 other Boston residents have been spending their Tuesday nights learning the ins and outs of affordable housing. Delsoin recently moved to Dorcester after a military stint in Germany, and she hopes to someday own a home. She plans on that day coming sooner rather than later. Delsoin’s biggest concern is her 2 year-old daughter.
“I need a single family home that is safe… and safe for my child,” she said.
The class’ instructor, Tanya Townshend, teaches 30 to 60 people in each of her homebuyers classes. Townshend works as an assistant property manager for Maloney Properties, a New England real estate chain that sponsors a number of sessions for homebuyers.
Townshend said “about 10% (of class attendants) seem to be ready to buy” after her four week seminar. The rest attend more classes or work on improving their credit rating before bidding on a home.
Boston is one of the tightest housing markets in the country. Many first-time homebuyers are looking for any advantage they can get in finding their first home. For many homebuyers, affordable housing is the only realistic option. However, affordable housing is limited and there are a number of obstacles for families seeking to go that route. To help with the process, the city of Boston and a handful of community development groups sponsor first-time homeowner courses and support programs for people interested in affordable housing.
According to a August 2000 U.S. Department of Housing and Urban Development (HUD) low income housing study, “the overall vacancy rate for rental units in the Boston was 4.1% in 1998 compared to 6.7% for the Northeast region and 7.9% for the country.” The h...
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... at the assessment shows this duplex has no remodeling work done, the exterior and interior structures are poor, and the interior finish is graded as substandard. For a two-family home, it offers a decent accommodation – each residence has three bedrooms and one and a half bathrooms, as well as over 1,700 feet of living space. Significant depreciation in property value indicates the place is extremely run down.
For prospective first-time homeowners, a tight housing market and constantly changing neighborhoods make finding the right home a difficult choice. The market is full of wrong choices. Potential buyers like Natalie Delsoin and James Creed hold out hope when their lottery number is picked, there are still affordable housing options waiting for them. Creed says that regardless of when that time comes, the classes “make you go in with your eyes more wide open.”
“How can a middle-class family afford a rent of $2,000 or even $2,800 when the family consists of four children and a single working parent. when food needs to be on the table every night and bills need to be paid. I find this ridiculous, no one ever wanted to live in Bushwick and now all of a sudden these people want to live here.” -
In the essay “The Mansion: A Subprime Parable,” Michael Lewis unfolds the real face of the American dream. He talks about his own personal experience in his look out for a house and his struggle with the house he rented. Most Americans have bought houses they cannot afford. Banks offered loans, they have lent mortgages that many don't have enough financial resources to pay them back. Agents have falsely guaranteed that real estate prices will be in constant rise, they promised them that there will be no declination in prices.
Subway, one of the present leaders in the fast food industry was set up in 1965 in Bridgeport, Connecticut by Fred DeLuca. A family friend of him suggested this idea to help him pay for his education to fulfill his dream of becoming a doctor. Dr. Peter Buck, one of Fred’s friends agreed to be his partner with a loan of $1,000. There was a huge growth in the business relationship that changed the landscape of the fast food industry.
Many people remark that the Iroquois Confederacy is an important fact in history because they offered so much to the Europeans by means of government and collaboration. The confederacy was also known as the Iroquois League, or “the people of the long house”. The Iroquois League which was composed of five nations or six nations from 1722. These Six Nations consisted of Mohawk, Oneida, Onondaga, Cayuga, Seneca and Tuscarora. They occupied a part of the country which extended across the present New York State from the Hudson River to Lake Erie and north of the Catskill Mountains. The Iroquois were known for their military and the expansion of their people. Not to mention their organization of the oldest known participatory democracy.
The American dream was owning a house with a white picket fence. Now this dream is impossible. Individuals and families find it more difficult to find a decent home to rent in a suitable living area. According to Huffington Post, the hourly wage needed to afford a two bedroom apartment in California is at least $26 an hour. This is more than triple the minimum wage. Eviction, relocation, and inflation are the common keywords that associate with affordable housing. I 'm hoping to persuade you to support affordable housing for all. Today, I will be discussing, one, inflation of the housing market that needs to decrease, two, eviction from homes, three having to move to communities far from their work site.
Communication is cited as a contributing factor in 70% of healthcare mistakes, leading to many initiatives across the healthcare settings to improve the way healthcare professionals communicate. (Kohn, 2000.)
Throughout my research I found there is a real cry out for action on providing more affordable house not just locally but throughout the country. There needs to be more funding available to build more gear to income or subsidized housing and all levels of government need to take action.
Furthermore it’s very important not to judge the patient pertaining to what they may have to say. Good communication helps nurses build a relationship with their patient. Linking my personal experience from the clinical area relates to the practical side of nursing. It is necessary for communication between the nurse and the patient to be clear, understandable, appropriate and
Stereotyping, discrimination and prejudice are phenomena that motivate animated debate amid the scholars as well as the public. Many ponder on which acts should be deemed discriminatory, when they can come to a conclusion that a decision or a social guideline preference is actually founded on prejudice and the role played by prejudice in creating gender and racial disparities. Also of immense interest are queries regarding how the society should react to these problems and whether they have been dealt with in a pleasing manner. Social psychologists lunge into this dispute equipped with scientific method, hoping to gather evidence that can shed the much needed light on these continuing worries. In particular, this paper seeks to shed some light as to why stereotypes and prejudices occur in the mind of perceivers, as well as the manner and under which circumstances they are most likely to manipulate perceivers’ explicit behavior.
Subway has just become the biggest fast food franchise in the United States. They advertise a healthy menu full of all natural ingredients. However a recent experiment by the Journal of Adolescent Health found people consume almost the same amount of calories at Subway as McDonalds (Lesser). Subway is not the only fast food advertising healthy options however. Despite the unhealthiness of fast food, these chains do offer some benefits. Natalie Stein,a writer for the live strong foundation, who focuses on weight loss and sports nutrition points out some crucial benefits of fast food. Stein acknowledges the convince of fast food in her article “What Are the Benefits of Fast Food?” She believes that having fast food restaurants on almost every corner is a good thing. This might be a good thing to some people, but what is too much? The conveyance of fast food chains has driven out grocery stores and ruined a chance at a healthy diet. With obesity growing in the United States maybe it’s time to rethink the actual conveyance of fast
Despite the frequency of verbal interactions, miscommunication of patient information occurs that can lead to patient safety issues. . . . ‘Effective communication occurs when the expertise, skills, and unique perspectives of both nurses and physicians are integrated, resulting in an improvement in the quality of patient care’ (Lindeke & Sieckert, 200...
Buying and owning your home is part of the American dream. Although the dream itself has since changed, the home still remains the main focal point. Today owning a home doesn’t necessarily mean a house. People now buy duplexes, cooperative apartments, and condominiums. For some families it could take up to a couple of generations before it’s able to have the capabilities of buying a home. To many people it means a certain achievement that only comes after years of hard work. It is a life altering decision and one of the most important someone can make in their lifetime. The reasons behind the actual purchase could vary. Before anything is done, people must understand that it’s an extraneous process and it is a long term project.
“Effective communication is the foundation for any relationship in healthcare…” (Windover, Boissy, Rice, Gilligan, Velez, & Merlino. 2014) Without communication, it is challenging to get things done because no one knows what the other people in the group are thinking. For some, communication does not come naturally. For this reason, there are articles on how to be a better communicator. According to Karie Tennant, and Alisa Marquez, “communication is a two-way process” (2017). In this process one person should be the informer and the other needs to be an active listener. In order to be an active listener this person needs to provide the informer with feedback on what they just said. This way the informer knows the listener was really listening to what they said. The informer also has the job of making what they want to say clear and concise as well as having the correct tone to get the message across. It is always important for one to voice their opinion, but they need to also be respectful of others
The nurse who I assisted to ambulate this patient was much more knowledgeable about the strategies developed to communicate with this patient than I was. When the nurse communicated with this patient, she spoke directly to the patient where the patient was able to ...
Flexibility seems to be the most heavily concentrated component for Subway restaurant which is followed by quality. Speed, cost and dependability are equally the same. The data was collected from primary research by asking Mr. Stuart House to distribute 20 points across the performance objectives. This information was used to construct a polar diagram of Subway as seen above (Appendix 3).