Technology

Subprime Lending: An Unsound Mortgage Lending Practice

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We’ve all seen the “bad credit mortgages” or “bad credit no credit home loans” advertisements, while attractive and admirable in enabling people to realize the American Dream and own their own home, it’s not the most sound practice since the financial point of view. Recently, we’ve all seen the impact on our largest mortgage lending corporations, like Countrywide Financial and Citigroup, industry giants that once reported record profits are now struggling to stay afloat and others on the verge of filing for bankruptcy. So why the sudden consequences? How can a catalyst in our economy cause such an economic downturn?

The answer is subprime (less than ideal) home loans, when home loan lenders offer loans to unqualified consumers for the best interest rates on the market. This is often done due to poor credit history or financial hardship. Subprime loans also mean that the borrower will pay a higher interest rate than a qualifying prime candidate for a paper A loan. This is a very risky situation, you are asking someone to pay more for a loan than such maybe you can’t even manage financially. So why would a lender take this risk? The reason is that 25% of consumers fall into the high risk category, which is defined as having a credit score below 620. And while the risk is greater, the reward is also greater. Lenders may charge higher interest rates and add fees associated with lending to a high-risk applicant.

The result of these practices has led to record foreclosures and questions about how this could have happened and who is responsible. Some blame the government for the lack of oversight. Others accuse subprime lenders of predatory lending practices by offering loans they knew customers couldn’t meet their financial obligations. Problems have also been raised with investors investing in subprime lending corporations without due diligence in terms of checking their portfolios. And these are just a few examples of the accusations that this crisis is now causing.

So to stay alive now that subprime lenders are borrowing from the Federal Reserve, Citigroup borrowed $500,000,000 according to the Financial Times from the Federal Reserve on behalf of clients. Concerningly, corporations may borrow money to offset losses directly associated with risky lending practices. With the financial impact tied to the economy, it would be best to first see a clear plan in terms of changing those practices. If you or I made an investment in a risky stock option, we would be responsible for the losses associated with that risk.

That being said, as consumers it is important to understand how we can protect ourselves. First, don’t commit to a home loan that you can’t meet financially. Second, before purchasing a home loan, improve your credit, use a credit agency/counselor if necessary, but try to get your credit score above 680 to qualify for the best interest rates on the market. Third, work to lower your debt to credit ratio, get it below 35%, this is ideal for qualifying for a good loan. Below are the criteria to qualify for an A Paper loan, which means you’ll be a prime candidate for the best interest rates on the market for your home loan.

  • In the United States, the borrower has a credit score of 680 or higher
  • The borrower fully documents their income and assets.
  • Borrower’s debt to income ratio does not exceed 35%
  • Borrower retains 2 months of mortgage payments in reserve after closing
  • The borrower injects at least 20% capital

This article on home loan lenders [http://www.equityloanfinder.com/] has been provided by www.equityloanfinder.com [http://www.equityloanfinder.com/]. It is intended to inform the consumer about the risks of subprime lending practices.

Business

5 things to consider when selecting a financial planner

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Unlike someone who calls themselves a CPA or a doctor, almost anyone can call themselves a “financial planner” or “financial advisor,” regardless of their educational background and professional experience. Furthermore, not all are impartial in their advice and not all always act in the best interest of their clients.

To make sure your financial planner is well-qualified in personal finance and unbiased in his advice, consider the following five things:

1. Planning Credentials: Holding a highly regarded credential in financial planning, such as a Certified Financial Planner (CFP) or Personal Financial Specialist (PFS), confirms that the professional you intend to work with has acquired the necessary education and experience to serve as a financial planner. The CFP and PFS credentials are awarded only to those individuals who have met the certification requirements for education and experience in personal financial planning. In addition, they must pass certification exams and agree to meet standards of practice and continuing education requirements.

2. Subject matter expertise: Financial planners are planning professionals, not necessarily subject matter experts. For example, a financial planner will be an expert in tax planning and analysis, but unlike an IRS Certified Public Account (CPA) or Enrolled Agent (EA), they may not necessarily be a subject matter expert when it comes to tax rules. he may have the ability to draw up an investment plan, but unlike a certified financial analyst (CFA), he may not be an authority on the subject of investing. Work with a financial planner who is also a subject matter expert in those areas of personal finance that are important to achieving your financial goals.

3. Client specialization: Not all financial planners serve all types of clients. Most specialize in serving only certain types of customers with specific profiles. For example, a personal planner can develop their expertise and customize their services to serve only those individuals and families who are in certain professions, or at a particular stage of life with specific financial goals and net worth. Ask if the planner specializes in serving only certain types of clients with specific profiles to determine if he or she is the right fit for your situation and financial goals.

4. Fee Structure: The fee structure largely determines whose interests you serve best: your client’s or your own. A paid professional only charges fees for their advice, while a paid professional not only charges fees, but also earns commissions, referral fees, and other financial incentives on the products and solutions they recommend to you. Consequently, the advice of a fee-only one is more likely to be more impartial and in your best interests than the advice of a fee-charging financial planner. Work with a professional whose fee structure is free of conflict and aligned to benefit you.

5. Availability: He or she must be regularly available, attentive and accessible to you. Ask the planner how many clients he currently serves and the maximum number of clients he plans to regularly serve in the future. This client to scheduler ratio is one of the key factors in assessing your scheduler’s availability to you in the future. Also, ask which planning activities are typically performed by the planner and which are delegated to a paraplanner or other junior staff members. Lastly, make sure the scheduler is easily accessible by phone and email during normal business hours.

Once you’ve shortlisted a few well-qualified and unbiased financial planners in your local area, check out the ones that offer a FREE initial consultation first. During the initial consultation, evaluate the planner’s availability and any other professional attributes you’re looking for in your financial planner.

Having a well-qualified and unbiased financial planner by your side is extremely important on your journey towards your financial goals. When looking for one, consider the planner’s professional credentials, client specialization, subject matter expertise, fee structure, and availability to select the right financial planner for your needs.

Home Kitchen

New Home Sales – Closing Techniques

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We’ve already learned that to be the best of the best in new home sales we have to ask because 60% of my competition isn’t doing it. We have also learned that we must not allow negative thoughts to control our actions and we must practice having an Attitude of Gratitude. And now we know that we must be prepared to ask for the sale, minimizing the possible rejections and objections that we will encounter. Now you’re probably wondering, “How do I do this?” It’s easy to write about it and easier to read the theories behind it, but how do we apply this today? Stock! We must put into action the material we are internalizing.

There are multiple styles of closing techniques that have been discussed over the years. As I mentioned earlier, generic sales manuals have taught many salespeople techniques to improve their sales skills. I would venture to say on my own that while these have been shown to be effective, closure techniques used 20 or 30 years ago may not be as effective. As time goes by, consumers become more informed about the products they buy. They are also aware of the techniques taught by sales trainers. If you sat down with an educated business professional and tried Ben Franklin’s closing (list the positives of the purchase on one side of the paper and list the negatives on the other while the positive column is longer than the negative), the consumer may be offended. Therefore, you just lost the sale.

However, there are some techniques that, when used at the right time, work. Figuring out the timing will take practice, but it usually comes naturally when we’ve earned the right to ask by building rapport and trust.

o The power of the three closings: cost, quality and time combined are the trilogy of classic business measurement. As salespeople, we use the power of three to summarize why a prospect should buy. Incentives, Products, and Benefits are three examples you can use. For example: “If you buy today, we may be able to pay for closing costs, prepaid expenses, and title insurance policy.” Or: “The house you just saw is better looking, better built, and better equipped than any you’ve ever seen. Right?” By using the “Power of Three,” you create an uncannily compelling reason to buy.
o The Alternate Closure – This is also known as the “either/or” closure. This closing technique works when we’ve already assumed the buyer is going to buy, it’s just a matter of which one. For example: “Would you prefer the house with the red brick or the beige stucco?” At this point, it is very rare for a customer to answer “none”. Usually, the prospect is deciding between what he considers to be the two best options for him.
o The Assumptive Closing: This technique is similar to the alternative closing because, again, we assume that the buyer has already made the decision to buy. This is accomplished by taking the prospect to the next level by asking, “When would you like to move?” or “What will your friends and family say when you tell them about your new home?”
o The Multiple Closing Yes (Closing Minor Points) – This type of closing technique can and should be used throughout the sales process. By getting the customer to accept minor points during the sale, it’s easier to get to the big “yes.” For example: “You mentioned that gas appliances were important to you. Are these the types of appliances you had in mind?” “When you mentioned solid surface countertops, is this what you were looking for?” “Isn’t Radiant Barrier Roof Decking a great energy saving feature? It would pay for itself over time by lowering your energy bills, wouldn’t you agree?”
o The Hassle Free Closing – This closing technique again works with the main assumption that you start to fill out the paperwork. When you fill out all the forms for them, you take away a level of stress that can cause them to take it home so they can “think about it.” It would be a good idea to include the loan application package as well. Many times, he used this asking them to clarify the spelling of his name and address when he started entering his information into the computer.
o The Summary Closure – This is the simplest and most powerful closing you will ever use. After spending time with the prospect, asking questions, and demonstrating the features and benefits of the home to meet their needs, all it takes is to summarize the key points of interest to them in one package. For example: “So, in addition to the floor plan you love, you’ll get a nice covered patio, a fireplace for your enjoyment, and a large yard for the kids to play with the dog. How about that?” This works by repeating what the prospect has already agreed to. It just sounds better in a package. Combined with the “Multiple Yes” closure, this is extremely powerful.

As stated above, it is imperative to remember that closing the lead with the wrong intent can and will lead to lost revenue by missing the sale. Closing techniques to avoid are:

o The Compliment Closing: The potential client usually acknowledges congratulating people to win their favor. You will lose sincerity and respect.
o Closing by distraction: when we try to close the sale of a prospect because we caught him at a weak moment, it can lead to an eventual cancellation. It’s a waste of everyone’s time and it’s just plain dishonest.
o Doubt/Reverse Closing – This principle is discussed when you show doubts about the product to get the buyer to disagree. It is absolutely ridiculous for a professional seller to show doubts about his product.
o The Shame/Shame Close – Making the prospect feel embarrassed or embarrassed only causes negative feelings that will come back to them after they have left your office. Just thinking about you will re-ignite these emotions and cause them to avoid you in the future.
o Closing deafness: When the homebuyer offers an objection and you choose to ignore it, the buyer feels you don’t care. If he doesn’t know an answer, just say that he doesn’t know but will find out and give you the answer.
o Rushing Closing: Similar to the “distraction closing,” rushing and not addressing the buyer’s needs or concerns will lead to eventual cancellation. Our time is too precious to be wasted writing “bad paper.”
o The Puppy Dog Close: Acting cute to evoke a positive response is quickly detected as unprofessional. Often times, this can backfire as one partner can perceive that you are flirting with the other.

When we believe in the product we are selling as well as knowing that we are providing a need to the consumer, we never have to resort to manipulation or dishonesty to convince the prospect to buy. This relates to whether your spiritual life is correct or not. When we choose to live a life of responsibility before God, our Spirit within us will not allow us to continue to behave dishonestly. It is much easier to earn money by being honest with ourselves, our employers, and our family than it is to live a life of deceit. Remember to sell with integrity!

Digital Marketing

Future Technology Benefits

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In this article, readers will gain information about future technology and learn to what extent modern technology has been developed to help the growth of human civilization.

The technology of the future would be more sophisticated and easy to use. Rapid technological advancement will make technology more convenient and usable. New technologies must be used for the benefit of society. Now, it is better to say to what extent science and technology have been acceptable to the current generation. Compared to conventional gadgets and equipment, future technology news claims that ultra-modern gadgets are more practical and powerful in their functionality. According to scientists and researchers, modern technology can modify and upgrade common things for their proper use by applying modern methods. The world will be more glamorous and attractive with newer technology and zero carbon footprint.

If you check the future technology news, you will find that there are recently released technical products and accessories that have multifunctional features. For example, recently Kevin Cheng invented Solar Planter which protects nature’s natural green resources. The plants will be highly protected by using the Solar Planter which artificially creates solar energy to preserve the green plants in a perfect way. The device is also equipped with powerful exhaust fans to clean stagnant air from inside the solar planter. Air will circulate well inside the planter to keep trees and plants safe. The solar planter is also energy efficient and environmentally friendly. According to future technology news, nature will be completely protected from pollution using these new technologies as it will not produce any deadly or dangerous chemical solvent or gasoline products into the air.

In the field of telecommunications, the future and modern technology is very powerful and has greatly contributed to the improvement of the communication system. The invention of the humanoid robot is a burning example. Future technology news says that this robotic structure will be sent off-planet to strengthen the communication system. Experiments are still being carried out on upgrading this robot.

Concept Cloud Blackberry is a sophisticated mobile phone that is eco-friendly and pollution-free. This mobile is activated with liquid fuel that does not disturb the peace of nature. Future technology will bring many more inventions and accessories to improve the human lifestyle. Scientists believe that modern science is very effective in making the world greener. The technology of the future must be easier to use and must not hamper the natural growth of the human race. It must not disturb nature or society.

Science is a blessing and man needs to use it for the general development of the world. The technology of the future these days is not focused only on the benefit of humans. Scientists are trying to create technology that is also good for the earth.

Conclusion: For up-to-date information on the latest technology, you can check the future technology news on the Internet. There are new discoveries and updates available every day.

Relationship

Creating Your Own Tabletop Jurassic Park: A Trick Guide to Making a Prehistoric Landscape

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Building your own dinosaur playmat

Creating your own prehistoric habitat for your dinosaur models and toys is quite easy and a lot of fun. With summer vacation approaching, here’s a super dinosaur craft idea to help kids make the most of their free time and maybe even learn a little about prehistoric life in the Age of Reptiles.

We’ve built a number of dinosaur play mats with toddlers to help us out, we recommend this exercise for ages 5 and up, although mums, dads and guardians may need to help out when it comes to using scissors and stuff for the style Building your own dino land is cheap and fun, the entire project can be completed in a few hours (allowing time for paint and glue to dry) and can be built at a fraction of the cost of buying a playmat or similar item from a toy store.

Starting with the basics: choosing a foundation

Get your base first, a solid base is always best as this will help stick objects on it and create a firm platform for the dinosaur models and toys to stand on. Many toy forts and castles are supplied with a square reinforced cardboard base and make an ideal base for your jungle and dinosaur landscape. A quick visit to a high street charity shop can reward the astute shopper with the purchase of a cheap toy fort or castle base for just pennies. It doesn’t matter if this base is worn or slightly damaged, it will be painted and have things attached to it. Anyway, dinosaurs were always stirring up the soil and damaging the landscape, scientists even have a special word for it when they find evidence of dinosaur activity in the sediments: “dinoturbation”.

Alternatively, if the base for an old toy fort or castle isn’t available, simply recycle some cardboard boxes to create the base for your dino land. Take a large cardboard box (one with large sides is preferable), push the base down so it falls flat, and paint the base green or sand, depending on the type of habitat you want to create.

A way to cheat to get the perfect base for your dinosaur land

To prevent the cardboard print from showing through the paint, cover the entire base with strips of papier-mâché (paper strips soaked in glue), allow to dry, then paint. To create a trick folding dinosaur land, simply take two boxes of the same size and place them next to each other leaving a small space of about 3cm between them. Cover the entire batch with papier-mâché, including the seam, but only lightly in the seam area. This allows you to build a “hinge” into your model so that the base can be folded up and stored away when not needed. To avoid having to paint the model with several coats of paint to remove all traces of any print, simply do not use printed material for the last layer of papier-mâché. For example, old photocopy paper (printed on one side only) is ideal for the last layer of papier-mâché. Lots of dinosaur landscapes have been created by raiding the office recycled paper box.

creating your landscape

Using other strips of newspaper or recycled paper, you can build a landscape so that there are areas with different gradients on your model. Don’t overdo this or there won’t be even ground to put your models on. You can build higher ground (we suggest you do this in the back area of ​​your model), by layering strips of thick cardboard on top of each other. Try to produce raised areas that look a bit square in appearance, at least that way you can be sure the dinosaur toys will stand on them. Once you’ve designed your base, you can use poster paints to paint the landscape green or sand. It’s a good idea to paint a small pond towards the front of your model, as we know that dinosaurs congregated around water holes. Once the paint has dried, you can add some detail to the base by drawing some fern strands and ponytails. Use a fine green marker for this, just draw stick-shaped plants for the horsetails or just “v” shapes to represent the ferns.

Dinosaur landscapes: adding the first plants

Amazingly, if you were to travel back in time to the late Cretaceous of North America, you would have recognized much of the vegetation. The dinosaurs you come across may seem incongruous in such a familiar woodland setting, but you would have seen dinosaurs weaving in and out of groves of oak, sycamore, maple, and ash trees. The ponds would have been covered in lily pads just like today’s lakes and you can add some lily pads to your dinosaur pond to give it a bit of realism. Take plain paper or cardstock and color a small section with dark green paint or pencil. Then taking a few small coins, draw around them to create a series of small circles. Cut them out and cut a notch in each circle, a simple triangular shape would suffice and there you have your water lilies waiting to be glued to the surface of your pond. Your dinosaur landscape has its first plants, dinosaurs having a drink at a watering hole where a water lily grows: a scene straight out of the late Cretaceous.

Health Fitness

Grapefruit Juice Diets – Lose 52 Pounds in 3 Months

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Grapefruit juice diets are always a little hard to do when you’re starting out, but the joy of losing 52 pounds in just two and a half months surely makes it worth the effort. This is one of the biggest benefits of the grapefruit juice diet.

The Grape Fruit Juice Diet Plan includes 8 oz. unsweetened grapefruit juice, 2 eggs any style, and 2 slices of breakfast bacon. You should also drink eight 8 oz. of water every day. Just because you’re on a diet doesn’t mean you should starve yourself. You have to eat your food until you are full. You should eat the combination of bacon and salad as this would burn the fat and if you omit any part of the meal, the diet will not work well.

It is advisable not to eat desserts, bread and white vegetables or sweet potatoes while following the grapefruit juice diet. You can double or triple your serving of meat, salad or vegetables if you are hungry.

For lunch, your grapefruit juice diet should have 8 ounces of unsweetened grapefruit juice, salad with any dressing, or a red or green vegetable cooked in butter or spices. You can also eat meat of any style and in any amount.

The best part of the grapefruit juice diet is that the number of foods listed is the minimum amount you should be consuming; you can eat as much as you want and to your heart’s content. It is important to take all the mentioned elements and nothing can be eliminated from the diet.

It is important to follow the grapefruit juice diet properly since it acts as a catalyst that starts the burning process, so it is recommended not to add or reduce the amount of juice to consume. It is better to reduce your intake of coffee as it affects the insulin balance and hinders the burning process and only have 1 cup at meal time.

For dinner on a grapefruit juice diet you can have 8 oz. unsweetened grapefruit juice, salad with any dressing or with red or green vegetables cooked in butter or spices. You can also eat meat or fish cooked in any style and just a cup of coffee or tea. It is advisable not to eat anything between meals and if you eat the suggested foods you will not even feel hungry. Surely you can use butter liberally to fry your vegetables.

You also get a bedtime snack on your grapefruit juice diet which is 8 oz of tomato juice or a cup of skim milk. Surprisingly, the theory of the grapefruit juice diet is that the more you eat, the more weight you’ll lose, so don’t hesitate to gorge yourself during meals. It is important to note that after dieting for 12 days, you should stop for 2 days, and then you can repeat the grapefruit juice diet.

Legal Law

All for one, one for all: Fireants

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If I hadn’t been bitten by a fire ant the other day, it would never have occurred to me to write about ants. Despite cortisone cream, fire bites sting, burn, and take several days to heal.

In primitive human societies, ant bites were considered to have healing powers; therefore ant stings were used in initiation ceremonies as a test of endurance. That must mean that I am initiated into something without my consent and not for the first time either.

Considering your point of view, I really don’t put much blame on the ants. To them, we must seem as careless and much bigger than Gulliver’s giants. They must suffer multiple casualties every day, even if our clumsy feet unknowingly commit their murders. When we step on an ant, the crushed ant emits an alarm pheromone in high concentration. That sends other nearby ants into a war frenzy and causes them to attack anything around the nest.

This waste of ant life is multiplied by the thousands under the sudden Florida rains that flood his commune and by the pest control man who visits once a month causing ants martyrs due to the extermination industry. He watched that Terminex guy at his work, waging biological warfare at its finest. Wherever he found an anthill, he would put some pellets and water it down. That much stress would make any species go berserk and strike back with a vengeance.

To overcome their aggravation, the fireants’ ancestors play a role in their behavioral genes. Ants are thought to have evolved from wasps and must have held wasp-aggressive behavior somewhere in their DNA structure because their sting hurts and swells like a wasp sting. Worse still, some species of ants, called killer ants, tend to attack much larger animals while searching for food or defending their nests.

The ant colony functions as a unit. In that unit there are many ants that act, according to their individual function, for the whole colony to make the life of the ant practical and effective. Even if there is separation between the ants, their existence is a complete item. An ant colony does not consist of little things attached to each other as in human societies; each ant is a part of the whole without being separate. The unity of the ants is in harmony with the forces of nature.

Imagine being without legs or arms and needing the total care of others in your youth. Well, that’s the life of an ant for you. Ants do not develop their legs until they are fully developed; They are completely dependent on nurse ants. When baby ants develop, they grow six legs with prominent elbows, or should we say knees, and they go to work. The worker ants spent their internship of a few days caring for the queen and the young. After that, they move on to increasingly difficult tasks, from digging and working on the nest to foraging for food and defending the nest.

Most of these worker ants are female. Perhaps the ant colonies also depend on the volatile and nervous vision of women. However, there is also a place for men in the commune. The males act as drones and work with the queen to increase the population. That must mean that women are the fallen soldiers who go out to face the world every day and possibly perish in the path of duty.

The queen, at the beginning of a colony, has quite a few jobs, but as the colony grows her duties are delegated to others and she becomes the mother of the commune who simply lays eggs. Maternity must have a very respectful and almost divine throne, since the ants attach bodyguards to the queen and the bodyguards form a ring around her. That ring moves with her and expands or contracts depending on the situation.

The eggs, or the children of the ants, do not belong to the queen, but are a communal possession. As soon as the eggs are laid, she takes them to a separate room to be cared for by attendants or nurses. These ants, though not part of a separate caste, being vigorous and efficient, are in the prime of their lives, and their brood care, as observers attest, is meticulously and lovingly administered.

As soon as each young ant leaves the nursery, it acquires responsibility and is directed by the spirit of the community to a chosen occupation. The role of the young ant in life is not haphazard and directionless like the young of the human being.

If we pause and think, we can understand that illumination of ant colonies can be obtained from many angles, but the most important point is that all the ants in the colony act as a whole, making separation a strange concept. . Separation causes discord in the harmony of life, allowing the ego to hate or look down on others.

Lifestyle Fashion

How Codependents Leave Abusive Narcissistic Relationships

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You may feel crazy because you love a narcissist and you are afraid to leave the abusive relationship. It will be easier to help you out the more you know about codependency and narcissistic personality disorder. Abusive narcissists need someone who is willing to meet their needs and give up their own desires. Narcissists are self-destructive people with hidden low self-esteem and insatiable needs for attention and nothing to give. They become parasitically attached to a generous and caring person who avoids center stage and thrives on caring for others.

Expecting something from an abusive narcissist who has nothing to give can make a codependent feel crazy. Trying to pretend that the narcissist is someone they are not can drive you crazy. Many codependents have spent years dealing with reality about particular people in their past and present. Codependents spend years trying to get someone to love them (ie mom/dad) in a certain way, when that person can’t or won’t.

The development of codependency is rooted in dysfunctional family systems and occurs over a fairly long period of time. Overly rigid, dogmatic, or authoritarian families in which there may or may not be alcohol abuse or dependence appear to produce codependency. These families tend to emphasize discipline and control where rewards are given for adherence to strict and often illogical rules. Children learn that any positive feeling about themselves depends on someone else’s mood. These families may seem perfect to the neighbors, but there is a lot of pain and secrecy behind closed doors. Children learn early not to express their thoughts or feelings and to ignore behavior problems in the family. This family survival response effectively increases the child’s tolerance for emotionally abusive and inappropriate behavior from others.

As adults, these children are more likely to become involved in abusive and hurtful relationships with people who are untrustworthy, emotionally unavailable, or in need. Not entitled to their feelings, these adult children tend to be indirect about their needs, deny feelings, and mistrust intimacy. They start with the belief that love is sacrificing for my partner and putting up with what my partner wants to dish out. This is a trap to make the abusive relationship more important than you are to yourself. In general, codependents feel constantly dissatisfied in relationships and are the ones who tend to get deeply trapped in purgatory with an abusive narcissist.

If you’re a codependent in a relationship with an abusive narcissist and you’re wondering, “Why do I feel so crazy?” It’s time to let go of the narcissist. It’s time to let him or her off the hook. Like your caregivers, the abusive narcissist is constitutionally incapable of loving you. That doesn’t mean you can’t love that person anymore. It means that you are ready to feel the immense relief that comes when you stop denying reality and start accepting it. You release the abusive narcissist so he can be who he really is. You stop trying to make that person someone they are not. You deal with your feelings and move away from the destructive attachment. You stop letting what you don’t get from the abusive narcissist control you and take responsibility for your life. So you start the process of loving and caring for yourself.

Get angry, feel hurt, and land in a place of self-forgiveness. Your life in purgatory will end. You will no longer be a victim of abuse. You will acknowledge that you have been mistreated and you will allow yourself to be mistreated. You will no longer create, seek or recreate situations that victimized you. You are in your power and you no longer live in silent despair.

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Thanks for reading this article. I have dedicated my personal and professional life to the importance of non-violence and self-love teaching from my own experience. As a result, I have learned a lot about abuse in relationships and what it takes to end self-criticism. And, as I learn and grow, I teach self-compassion and give advice that I use myself, in the hope that it will help you improve your own life.

Real Estate

Technical Writing – Definition of Copyright and Redaction

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Definition of copyright and wording

You can ask for a copyright or you can ask for some wording, but they are totally different things. In the first case, you are requesting a document that gives you the right to publish something. In the second, you are asking for a writing job. Writers often confuse them.

Copyright

A copyright is a legal document issued by the Copyright Section of the United States Patent Office. Establishes that the person named in the document as the author has the right to publish the written material designated in the document. That does not mean that the named person actually wrote the copy, just that he or she has the legal right to publish it.

You don’t need to copyright anything. Legally, as soon as a person puts words on paper, they are protected by copyright, whether or not a government document was acquired. Practically, if you write something and I apply and get the copyright, it will be difficult for you to prove that you wrote it.

From a technical writer’s point of view, it’s a little different. The law says that work prepared by an employee in the scope of his employment, or specially ordered or commissioned work, is a “work for hire” and the employer is considered the author. If you are paid to write something for someone else, you have no right to do so.

In its correct forms, the word is:

– copyright: the right to publish

“She owns the copyright to that book.”

– protected by copyright: the condition of being covered by a copyright

“You can’t post that because it’s copyrighted material.”

– copyright: the act of obtaining a copyright

“I own copyright to this even as I write it.”

There is no such thing as copyright or correctly written copy associated with this definition even though Microsoft Word Spell Check accepts written copy as a correct spelling (but doesn’t say what for), and written copy appears all over the Web instead of copyrighted.

Drafting

Copywriting is the act of creating copy or content. Generally, the term refers to writing in the sense of creating non-technical material. It’s different from the kind of writing that tech writers do. Some jobs that require copywriting are marketing brochures, magazines, newspapers, and consumer communications. If you are a writer, you could be a copywriter.

bonds

Here’s another comparison to watch out for. If you want to write plays, you want to be a playwright. Yes, that is correct. You have to write well when you’re writing about writing plays. We almost never use the right by itself. It is mostly used in compound words such as carter, carter, or carter. We see it a lot as a name; Frank Lloyd Wright or Wright/Patterson Air Force Base.

Wright has the same story as Smith. A blacksmith was anyone who worked some type of metal with a hammer; blacksmith, tinsmith, silversmith. A wright was a craftsman who made something. The name of the occupation became the name of an individual.

A person who does plays is a playwright. True, he may write them, but he’s not a playwright. I suppose you could argue that a person who writes copy is a copywright, but it’s not used that way.

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Book Review: A Dictionary of Indian English Literature: 1794-2010

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Mahendra S. Rana (Eds. and ed.). Assisted by Rekha Rana. A Dictionary of Indian English Literature: 1794-2010. 2 volumes. place. New Delhi: Sarup Books Publishers Pvt Ltd., 2012. Size-Crown. ISBN 978-81-7625-809-8 (Game). pages vol. I, 566+Appendix+23 and vol. II, 573+Appendix+7, Price Rs.6500/- (Set).

MS Rana, an alumnus of Allahabad and Delhi Universities, has been a distinguished librarian, having worked at Kurukshetra, Delhi, Meerut and Roorkee Universities on credit. The two-volume Dictionary compilation under review demonstrates his editorial skill, his scholarly interest, and his professional commitment.

It is also his labor of love, and well rewarded, as Rana spent nearly a decade developing a systematic and authentic bio-bibliographical critical sourcebook on over 4,000 creative Indian English writers. Includes biographical reviews with bibliographies and critical articles on poets, fiction and nonfiction writers, playwrights, and other creative personalities, both male and female, of the past 220 years, both well-known and lesser-known. Apart from Indian men of letters, it also includes other writers whose roots are in India and who deal with Indian life and culture.

In creating his massive dictionary of literati, Rana is assisted by literary advisers such as GS Balarama Gupta, Prema Nandakumar, RK Singh, CS Singh, AP Trivedi, Rajiv Verma, Badri N. Raina, Arun Kumar and SC Dwivedi, who also contribute with critical articles and/or comments on the life and work of various authors. He also receives help from Rekha Rana, though it is unclear what his specific contribution is.

The compiler also uses various academic journals, magazines and journals including The Hindu, India Today, Outlook, Biblio, Creative Forum, Language Forum, Indian Literature, Journal of Commonwealth Literature, Journal of Indian Writing in English, Kavya Bharati, Litcrit, Mawaheb International, Metverse Muse, Poet, Poetcrit, Triveni, Cyber ​​Literature, Commonwealth Quarterly, etc. Some of these magazines have now ceased publication.

Layout for alphabetically arranged entries typically includes personal information, professional history including degrees and honors, literary output: poetry, drama, fiction, prose, travelogue, letters, journals, narratives, transcreation, and other works. The critical bibliography appears in the form of important books and doctorates. thesis Then, there is an evaluation note on the author’s literary work. When available, the compiler provides the contact or email address at the end of the entry.

Needless to say, Rana tries to situate writers in the broader perspective of English Indian literary history just as it seeks to empower interested researchers and scholars to decide on their areas of expertise and/or understanding of the research topics (for M. doctoral or philosophy thesis) through the information provided in the Dictionary.

The appendices reflect the state of Indian English at home and abroad, though it is encouraging to learn that, in addition to Indian universities, 89 foreign universities are promoting research on Indian English literature.

At a time when the study of literature is losing importance among our students, A Dictionary of Indian English Literature should help promote Indian English literature for study in the humanities. It should also prove indispensable in the effective study and research of Indian English writing to enhance critical understanding and human values.

Despite misprints in various articles and comments from various books and magazines, I find the Dictionary fascinating and meaningful, and I recommend it to all English departments and libraries at home and abroad.