The Stock Market :: GCSE Business Marketing Coursework

The Stock MarketHave you ever noticed how e very(prenominal)one thinks they know what is best for you? Everyone telling you what to do when you are the only one who knows what is the best for you. You by chance wondering what this is roughly, would you believe me if I told you it is about the inventory market. Well it is, you may have thought that this had nothing to do with the old-hat market, only actu all(prenominal)y it is everything about the stock market. Why trust everybody else when you can invest yourself ? Develop your own system of trading and get started. This may raise another question, How can I date the right stock and buy them with out the assistance of a stock broker? In the following information I will record you through the process of finding hot stock picks and turning them into tremendous profits. Eventually you will even develop a trading system. First of all lets get the basic steps down before we move to the more advanced steps. The two main ways to make money in the stock market is from dived ends and buying low and selling high. To make great outrageous profits you will have to riley on buying low and selling high. This is very easy to say but very difficult to do. With dived ends you will receive a small percentage gain every quarter of the year, this helps with your profits but not much. To buy low and sell high you first have to find some stocks or funds. With this information and your motivation with stocks you can rule the land O.K. maybe not the world but definitely your own portfolio. Now that you have the main concepts down we can move on and try to find some hot stocks. You never want to buy over bought stocks, because over bought stocks means that they are over valued. If you bought a over valued stock chances are that you bought high, and this may force you into selling low and take a loss. An easy way to get a round about feel for a stock to see if it is over or under valued is to look at its PE ratio.

Theory of Deliberative Nursing Process Essay -- Health Care, Nursing

Orlandos Theory of Deliberative treat Process is based on key concepts and dimensions. Key concepts entangle longanimouss behavior, need for help, improvement, defys reactions, perception, though, feeling, nurses activity, automatic care for process, and deliberative nursing process. Frameworks from the theory have evolved from other theorist in regards to Orlandos theory and include passe-partout nursing function, the patients presenting behavior, immediate reaction, deliberative nursing process, and improvement (Alligood, 2006). The theory focuses on the interpersonal process between people and is enjoin toward facilitating acknowledgment of the nature of the patients distress and his need for help (Orlando, 1987). The theory is based on the metaparadigm concepts person and nursing. Orlando focused on a picky nursing process that leads to improvement in the patients behavior (Fawcett, 1993). She stated what a nurse says or does in the exclusive mode with which she serves the patient (Orlando, 1987). Orlandos theory remains one of the most effective practice the... Theory of Deliberative Nursing Process Essay -- Health Care, NursingOrlandos Theory of Deliberative Nursing Process is based on key concepts and dimensions. Key concepts include patients behavior, need for help, improvement, nurses reactions, perception, though, feeling, nurses activity, automatic nursing process, and deliberative nursing process. Frameworks from the theory have evolved from other theorist in regards to Orlandos theory and include professional nursing function, the patients presenting behavior, immediate reaction, deliberative nursing process, and improvement (Alligood, 2006). The theory focuses on the interpersonal process between people and is directed toward facilitating identification of the nature of the patients distress and his need for help (Orlando, 1987). The theory is based on the metaparadigm concepts person and nursing. Orlando focused on a par ticular nursing process that leads to improvement in the patients behavior (Fawcett, 1993). She stated what a nurse says or does in the exclusive mode through which she serves the patient (Orlando, 1987). Orlandos theory remains one of the most effective practice the...

Essay on Toni Morrisons Beloved - Sethes Act of Filicide

Sethes Act of Filicide in Beloved Shortly after the publication of Beloved, Toni Morrison commented in an interview that Sethes execute of Beloved was the right thing to do, but she had no right to do it.... It was the only thing to do, but it was the wrong thing to do.11 Does this remark prove the incorrupt ambiguity of the infanticide, as Terry Otten argues?22 Yes, it was right but wrong, and wrong but right. However, the most important thing is that It was the only thing to do. Sethe had no choice. If there is anything wrong, it must(prenominal) be either, in Paul Ds words, her too thick love, or the inhumane institution of slavery. However, as Sethe answers back to Paul D, for her, Thin love aint love at all (164). For Sethe, there is no such thing as thin love, and it is true. Her love is not too thick but so thick that she would shovel in her own child rather than see the baby live as a slave. Another interview in 1994 makes it even clearer that Toni Morrison has been sympathetic to Sethe from the start. She talks just about Margaret Garner, whose story gave Morrison the inspiration to write this novel. Sethes story is almost identical with Margaret Garners. I had an idea that I didnt know was a book idea.... One was a newspaper clipping about a woman named Margaret Garner in 1851.... she had escaped from Kentucky with her four children. She had run off into a little woodshed right outside her stand to cut down them because she had been caught as a fugitive. And she had made up her mind that they would not suffer the way that she had and it was better to die. She succeeded in killing one she tried to kill two others.... That the woman who killed her children love... ...she was able to keep the longest. Twenty years.... Her two girls, neither of whom had their adult teeth, were sold and gone and she had not been able to wave goodbye. To make up for coupling with a straw boss for four months in exchange for keeping her their child, a boy, wi th her - only to have him traded for lumber in the spring of the following year and to find herself pregnant by the man who promised not to and did. The child that she could not love and the rest she would not. (23) She could not claim any child as hers. Being someones property, she could not and would not love her children. 77 Eric Jerome Bauer, Beloved The Paradox of Freedom, <http//www.viconet.com/ejb/belovedweb.htm > It is almost annoying to read such a nave opinion based on too abstract humanism, but it is worth thinking of what makes the opinion possible.

Asian Financial Crisis Essay -- business economics

In the summer of 1997, an economic and currency crisis rocked the Asian markets. whiz by one, south-east Asian countries such as Thailand, Indonesia, Korea and Japan saw their economies crash in the wake of heavy contrasted investment. An economic boom had do the region an attractive investment opportunity for much of the 1990s. By 1997, however, domestic production and development had stalled, and foreign investors grew nervous. A divestment run on the Thai tical triggered the crash. Large corporations, extremely dependent upon the confidence of foreign investors failed to meet debt obligations and began to fail throughout Southeast Asia. Currencies throughout the region faltered and nosedived from their mid-1990s positions of stability. The causes of the Asian economic crisis are varied. on the loose(p) oversight of corporations had ramifications in economic downturns that were not a concern in the mid-90s boom. Macroeconomic policies of the southeast Asian countries made the ir economies vulnerable to the uncertain confidence of their foreign investors. Despite this, Corsetti, Pesenti and Roubini (1998) make the point that, ?market overreaction and herding caused the plunge of exchange rates, asset prices and economic activity to be more severe than warranted by the initial faded economic conditions.? Much of the crisis that began in 1997 has roots that go back further to the area?s economic growth that started in the early 1990s. Although many economists rate the Asian economic collapse to have begun in Thailand, conditions throughout the region meant that other countries? economies were destabilized to the extent that they quickly followed Thailand.Throughout the early 1990s, growth in Southeast Asia attracted much foreign capital. However, by 1995 and 1996, Thailand?s current depict deficit had grown (from 5.7% in ?93 to 8.5% in ?96 Pesenti et al., 1998). When domestic production slowed, this account imbalance represented an even greater percentag e, when compared to GDP. Much of the instability in Thailand?s economy was brought about by heavy short-term borrowing that necessary stringent debt maintenance. A boom in real estate and the Thai stock market attracted foreign speculation that could not be sustained in the face of investor doubts. The Thai government attempted to shore up shaky investor confidence by officially backing the financial in... ...r 1997 are from the Economist intelligence information Unit Country Report, 2nd quarter 1998.Table 2. Non-Performing Loans (as proportion of total lending in 1996)Korea 8% Thailand 13%Indonesia 13% Hong Kong 3%Malaysia 10% china 14%Philippines 14% Taiwan 4%Singapore 4%Source 1997 BIS Annual Report Jardine Fleming.Table 3. Debt Service plus Short-Term Debt, World assert Data (% of foreign reserves ).1990 199119921993 1994 1995 1996Korea 127.4 125.9 110.4 105.7 84.9 204.9 243.3Indonesia 282.9 278.8 292.0 284.8 278.0 309.2294.2Malaysia 64.045.9 45.6 42.4 48.7 55.9 69.3Philipp ines 867.6 257.0 217.1 212.6 172.0 166.6 137.1Thailand 102.4 99.3 101.3 120.3 126.6 138.1 122.6Hong Kong 30.5 26.9 22.8 20.6 22.0 16.8China 55.3 43.7 108.6 113.7 54.1 49.6 38.5Taiwan 23.9 22.3 23.1 25.2 23.7 24.2

How does Shakespeare Exploit the Supernatural for dramatic Effect in Ma

The quicken begins in a desolate place as the stage directions tell us. Shakespeare uses the pathetic fallacy of Thunder and Lightening. This creates an atmosphere of sorry and evil and anticipates something frightening. There are three witches, casting a spell, as Shakespeare shows through the use of rhyming couplets at the end of lines. In addition to this, he uses the syntatic parralelism to suggest that everything is not what it will seem. Fair is wicked and foul is fair. This warns the auditory modality so that they can make predictions of what will happen in Macbeth. A Jacobean audience and Shakespeare?s contemporaries believed in the supernatural very strongly, including the king of that time, world-beater James I of England. They would be intrigued by the witches? predictions in ?Macbeth,? as well as the witches? costumes on stage being scary to them. Nowadays, witches aren?t thought of as an avatar of the devil, so it would take a different kind of witch to invade a modern audience, one that challenges stereotypes. In the next scene Macbeth is shown to be fighting agaisnt the Norweigen army single handedly, showing imense bravery. Therefore, the juxtaposition between Scene I and Scene II, in Act I, is evil and hot, the complete opposites. The opening scene of the play is a future prediction about the battle between good and evil and ?Fair is foul and foul is fair.? In Act I Scene III Macbeth meets the witches upon a heath. The witches predict that Macbeth is going to become Thane of Cawdor and they ?hail Macbeth, that shalt be King Hereafter? Later on in the scene Ross and black Angus enter to tell Macbeth he is to become Thane of Cawdor. This instance of dramatic irony encourages Macbeth to... ...is leads up to Lady Macbeth falling to her death. The hallucinations of blood on her hands driving her to the fate of insanity so much so that she had to commit suicide. The s upernatural element of the play still has an effect on a modern audience. For example, ?Fair is foul and foul is fair.? It gets the audience guessing. When the audience meets a character that appears to be ?good? on the outside, it keeps them wondering what they are really interchangeable. After all, ?Macbeth? is a play intentional to be performed for and to involve the audience. Although the supernatural nowadays take on a much friendly prevalence-than in the 1600?s- such as in TV programmes like Buffy or Sabrina, and aren?t considered as gruesome, evil characters, the supernatural in ?Macbeth? still father great dramatic impact on a 21st snow audience. How does Shakespeare Exploit the Supernatural for dramatic Effect in Ma The play begins in a desolate place as the stage directions tell us. Shakespeare uses the pathetic fallacy of Thunder and Lightening. This creates an atmosphere of dark and evil and anticipates something frightening. There are three witches, casting a spell, as Shakespeare shows through the use of rhyming couplets at the end of lines. In addition to this, he uses the syntatic parralelism to suggest that everything is not what it will seem. Fair is foul and foul is fair. This warns the audience so that they can make predictions of what will happen in Macbeth. A Jacobean audience and Shakespeare?s contemporaries believed in the supernatural very strongly, including the king of that time, King James I of England. They would be intrigued by the witches? predictions in ?Macbeth,? as well as the witches? costumes on stage being scary to them. Nowadays, witches aren?t thought of as an avatar of the devil, so it would take a different kind of witch to interest a modern audience, one that challenges stereotypes. In the next scene Macbeth is shown to be fighting agaisnt the Norweigen army single handedly, showing imense bravery. Therefore, the juxtaposition between Scene I and Scene II, in Act I, i s evil and good, the complete opposites. The opening scene of the play is a future prediction about the battle between good and evil and ?Fair is foul and foul is fair.? In Act I Scene III Macbeth meets the witches upon a heath. The witches predict that Macbeth is going to become Thane of Cawdor and they ?hail Macbeth, that shalt be King Hereafter? Later on in the scene Ross and Angus enter to tell Macbeth he is to become Thane of Cawdor. This instance of dramatic irony encourages Macbeth to... ...is leads up to Lady Macbeth falling to her death. The hallucinations of blood on her hands driving her to the point of insanity so much so that she had to commit suicide. The supernatural element of the play still has an effect on a modern audience. For example, ?Fair is foul and foul is fair.? It gets the audience guessing. When the audience meets a character that appears to be ?good? on the outside, it keeps them wondering what they are really like. After all, ?Macbeth? is a play designed to be performed for and to involve the audience. Although the supernatural nowadays take on a more friendly prevalence-than in the 1600?s- such as in TV programmes like Buffy or Sabrina, and aren?t considered as gruesome, evil characters, the supernatural in ?Macbeth? still have great dramatic impact on a 21st century audience.

How does Shakespeare Exploit the Supernatural for dramatic Effect in Ma

The play begins in a desolate place as the symbolize directions name us. Shakespe atomic number 18 subprograms the pathetic fallacy of Thunder and Lightening. This creates an atmosphere of dark and evil and anticipates something frightening. in that location are three witches, casting a spell, as Shakespeare shows through the use of rhyming couplets at the end of lines. In addition to this, he uses the syntatic parralelism to suggest that everything is non what it will seem. fresh is foul and foul is fair. This warns the listening so that they can make believe predictions of what will happen in Macbeth. A Jacobean audience and Shakespeare?s coevals believed in the supernatural very strongly, including the king of that time, King James I of England. They would be intrigued by the witches? predictions in ?Macbeth,? as well as the witches? costumes on stage being scary to them. Nowadays, witches aren?t thought of as an avatar of the devil, so it would take a diff erent kind of witch to interest a newfangled audience, one that challenges stereotypes. In the next scene Macbeth is shown to be fighting agaisnt the Norweigen soldiery single handedly, showing imense bravery. Therefore, the juxtaposition between Scene I and Scene II, in Act I, is evil and good, the complete opposites. The opening scene of the play is a future prediction about the battle between good and evil and ?Fair is foul and foul is fair.? In Act I Scene triple Macbeth meets the witches upon a heath. The witches predict that Macbeth is going to become Thane of Cawdor and they ?hail Macbeth, that shalt be King future? Later on in the scene Ross and Angus enter to tell Macbeth he is to become Thane of Cawdor. This instance of outstanding irony encourages Macbeth to... ...is leads up to Lady Macbeth locomote to her death. The hallucinations of blood on her hands driving her to the point of insanity so much so that she had to commit suicide. The supernatural element of the play still has an cause on a modern audience. For example, ?Fair is foul and foul is fair.? It gets the audience guessing. When the audience meets a character that appears to be ?good? on the outside, it keeps them wondering what they are really like. After all, ?Macbeth? is a play designed to be performed for and to fill the audience. Although the supernatural nowadays take on a more friendly prevalence-than in the 1600?s- such as in TV programmes like Buffy or Sabrina, and aren?t considered as gruesome, evil characters, the supernatural in ?Macbeth? still have great dramatic impact on a 21st century audience. How does Shakespeare Exploit the Supernatural for dramatic Effect in Ma The play begins in a desolate place as the stage directions tell us. Shakespeare uses the pathetic fallacy of Thunder and Lightening. This creates an atmosphere of dark and evil and anticipates something frightening. There are three witches, casting a spell, as Shakespeare shows through the use of rhyming couplets at the end of lines. In addition to this, he uses the syntatic parralelism to suggest that everything is not what it will seem. Fair is foul and foul is fair. This warns the audience so that they can make predictions of what will happen in Macbeth. A Jacobean audience and Shakespeare?s contemporaries believed in the supernatural very strongly, including the king of that time, King James I of England. They would be intrigued by the witches? predictions in ?Macbeth,? as well as the witches? costumes on stage being scary to them. Nowadays, witches aren?t thought of as an avatar of the devil, so it would take a different kind of witch to interest a modern audience, one that challenges stereotypes. In the next scene Macbeth is shown to be fighting agaisnt the Norweigen army single handedly, showing imense bravery. Therefore, the juxtaposition between Scene I and Scene II, in Act I, is evil and good, the complete opposites. The opening scene of the play is a future prediction about the battle between good and evil and ?Fair is foul and foul is fair.? In Act I Scene III Macbeth meets the witches upon a heath. The witches predict that Macbeth is going to become Thane of Cawdor and they ?hail Macbeth, that shalt be King Hereafter? Later on in the scene Ross and Angus enter to tell Macbeth he is to become Thane of Cawdor. This instance of dramatic irony encourages Macbeth to... ...is leads up to Lady Macbeth falling to her death. The hallucinations of blood on her hands driving her to the point of insanity so much so that she had to commit suicide. The supernatural element of the play still has an effect on a modern audience. For example, ?Fair is foul and foul is fair.? It gets the audience guessing. When the audience meets a character that appears to be ?good? on the outside, it keeps them wondering wha t they are really like. After all, ?Macbeth? is a play designed to be performed for and to involve the audience. Although the supernatural nowadays take on a more friendly prevalence-than in the 1600?s- such as in TV programmes like Buffy or Sabrina, and aren?t considered as gruesome, evil characters, the supernatural in ?Macbeth? still have great dramatic impact on a 21st century audience.

Corporate Social Responsability for Supermarkets

This essay will introduce analysis of the UK super commercialize sector and its impacts on a wide range of stakeholders . The province for buying and selling is rapidly shifting. In todays rising global community, supermarkets have embraced corporate social responsibility as an important portion of their original region in contributing to shared goals, however in addition it enhances their capacity to the base line. In addition, trade seeks to establish their own set of corporate individuality while at the same time maintain in the public eye(predicate) and ecological values and increase their market growth.Corporate social responsibility of supermarkets fecal matter mean different things to different groups and sectors. However there is universal agreement that in a global market system, supermarkets must play great role by creating jobs. By acting in responsible manner corporation must facilitate sustainable growth. (Deal, 1999) As a result, corporate performance must not ju st guarantee returns to shareholders, wages to employees, plus goods and services to shoppers, thus must also accommodate the ecological concerns and values of consumers.An explanation of food provenience graph as an example of the influence of CSR, is provided below showing the difference in consumer choice in different ranks in UK supermarkets. In order to designate importance of the CSR % Factors in food and drink purchases, by rank, December 2007 Food provenance-UK- March 2008- What do Shoppers Consider Most important? The findings of this line graph, shows the consumer interest in home grown British food rather than foreign origin product.The supermarket structured business procedures and the environmental campaigns, to support British produce are the cay reasons for this. This report also demonstrates the market repose to a consumer demand for particular products by offering quality food and drinks. UK leading supermarkets as well as corporations wait to supervise corporate social responsibility as all other part of their food sales. Supermarkets are faced by means of a triple bottom line, to advance inexpensively, as well as being environmentally plus equally accountable.The growth of sales in social and financial growth is likely to continue. (Freedman, 2000) Why must supermarket be socially responsible? The initial part of the Roundtable focused on the query of how to describe what a socially responsible corporation is, and what a supermarkets does to be measured socially responsible. Even before to answer that question, a few people may ask, wherefore a corporation have to be considering this subject? The serve is tied to globalisation. Globalisation is not just regarding the world nations, it is the consequence on appearance of a global civil society. Giddens, 1998) The world has been transformed due to globalisation, plus by the prosperity of this the environment in supermarkets. Solutions to consumer problems were to be established inside t he free market structure and trade. The shoppers influence on UK supermarkets in food factors at the different societies measured by ranks in 2007, can be seen in the chart below % Factors in food and drink purchases, by rank, December 2007 The UK survey in 2007 sought to address what is important to customers when they choose foods. To make very complete customer preference, all food ranks has been used for this column table.Regards consumer perceptions of food, most of shoppers are willing to pay 10% to a greater extent for British origin, organic or any other quality food, compare to conventional food (Wealtherel, 2003) The food industry faces many significant risks from public criticism of corporate social responsibility issues in the supply chain. Private standards initiative abound in food chains as retailers and brands seek to minimise the risks and also respond to new demands from society. The representation of a new form of regulation, which raises questions regarding dom ination in the UK supermarkets.Supermarkets have a tendency to maximise profits and concentrate on all concerns of consumer benefit, the interests of all consumers required to be considered in todays UK supermarket systems. Globalisation has changed the inner power relations border by and inside supermarkets, and in the community as a whole. At the same time, in the late 1980s, the disagreement on corporate governance assembled power in the United States and in the United Kingdom, mainly in reply to corporate crush, corporate invaders and destabilised along, with aining as well as trade deception and dishonesty. Globalisation and the souk were placed an influence in the hands of the classified sector, however public disbelieve in the consistency and honesty of corporations was well-known and widespread. Concerns of responsibility, standard setting, plus globalism were core to the debate.It became obvious that supermarkets might no longer supervise the consequences of their trade, ju st by paying taxes and comply with national rules. They are likely to take on better responsibilities for supervising their contact on community. Joseph, 2000) Trade itself in a pipeline of development, practices and performance to convene the original anticipations of communities and community on it. At the same time as technological forces will carry on to force supermarkets to be internationally incorporated, law-making and shopper demand requires to be much further in the consumer field, and behave as a socially responsible company, therefore is bonny ever more challenging for supermarkets. A difficulty and the challenge for remaining markets with the regulations of CSR, in UK and abroad.Augmented public interest affects the method in which companies endorse their proposals. Policies that insist on corporation prescribed and politically right standards, such as hiring a public minorities or buying goods as of a precise basis, at times be undermining to its productivity and a dvantage of products. Usually profit-seeking supermarkets through demanding presentation should in addition to confront the shoppers. Deciding on which advance to take, is exclusive to each supermarket and depends on the trade statistical distribution in which the business is situated.Redefining administration roles in the supermarket itself is not an option, however a need. Businesses will require to adjust and create a novel organisational representation for the twenty-first century. They require to develop efficiency in management, and apparent domination processes all through their organisation. (OECD, 2000) Socially liable supermarkets have to employ their workers worldwide in a business dream and mission declaration that promotes sustainable and enhanced excellence of life for all countries, for all workers, despite of their location.Becoming a global consistency is in public reasonable and not just a public relations matter. Supermarkets are taking on the challenge by engagi ng as much as a possible with shopper, in addition to be able to have a positive impact on public relations and support by other sectors of community. Therefore, even though corporate social responsibility adjustments made by government in both the UK and Europe, supermarket trades still have to be concerned. Governments require to produce a strategy to structure whatever the trade and labour can negotiate situations in supermarkets.This requires a variety of legislative methods to be utilise in the country. It is obvious that there cannot be a, one measurement fits all, advance and assurance in trade behaviour, however there is a universal accord that there is a requirement for clarity of strategy and principles. In addition to the codes of conduct that an approved method is definitely wishes to be recognized in this region, so that social achievement plans can be developed plus social action have to become the standard.Developing finest practices for corporate behaviour will not turn up straight away, however by sticking to essential values, as a minimum move in the similar course in the direction of becoming a liable social related. (Oecd, 2000) The food industry faces many significant risks from public criticism of corporate social responsibility (CSR) issues in the supply chain. This motif draws upon previous research and emerging industry trends to develop a comprehensive framework of supply chain CSR in the industry.The framework details unique CSR applications in the food supply chain including animal welfare, biotechnology, environment, fair trade, health and safety, and labour and human rights. General supply chain CSR issues such as community and procural are also considered. Ultimately, the framework serves as a comprehensive tool to support food industry practitioners and researchers in the assessment of strategic and operational supply chain CSR practices.

End of Life Care: Family Health Essay

In nursing, the goal of worry is usually to restore the patient back to the highest aim of health possible. In some cases, however, the goals of c be change when a curative approach is no longer appropriate. The new goals of care could simply be extenuation and painful sensation control rather than a restoration back to honorable health. This type of care is called palliative care. Palliative care is not the same as end-of-life care, but the two go hand-in-hand at times. The goal of end-of-life care is a legal remainder, nigh being defined by the patient. Palliation is part of that good death. Both palliative care and end-of-life care are realms of patient care that tail end be highly sensitive for those involved. A take in must be able to navigate these waters carefully. The physically and mentally exhaustive nature of illness and dying takes a huge toll on the patient and his/her family. Anyone pot qualify for palliative or end-of-life care regardless of race, gender, ag e, or any other demographic factors. It simply depends on the disease-state, the recommendations of the health care providers, and the goals of the patient.It is estimated that 69%-82% of those who travel in high income countries such as the United States get out need palliative care (Murtagh, Bausewein, Verne, Groeneveld, Kaloki, & Higginson, 2013), illustrating the need for curbs to familiarize themselves with this type of care. star concern diffuse by many nurses is a not knowing what to do or say during end-of-life care (Sherwen, 2014). In the case of cancer, in particular, which has become more of a long-term illness, nurses feel uncomfortable and may miss opportunities in patient care (Sherwen, 2014). The following go out be a discussion of palliative/end-of-life care and what the nurse can do to help the family and patient during a difficult time. A successful case is one in which the patient and his/her family feel stand out and listened to throughout the whole proces s and the goals of the patient are achieved. DiscussionWhen does palliative care begin? When does end-of-life care begin? These are questions that can only be answered by the individualist going through the disease process and the team of caregivers advising him/her. A simple answer to both questions would be this when the goals of care change from full restoration to health to comfort, relief of symptoms, and maintaining as high a quality of life as possible given the disease-state. Palliative care has a broader rendering in that it focuses mainly on the patients comfort and can be applied to many other cases besides the imminently dying patient. The first development of palliative care was primarily for patients with cancer, in which there may not be a cure, but symptom management and prevention of emanation of the disease is the primary goal (Kaakinen, Coehlo, Steele, Tabacco, & Hanson, 2015, p. 278).It has since branched out to other illnesses with poor prognosis but long di sease-course it really depends on the care team and the individual as to when it is implemented. End-of-life care, on the other hand, is a series of decisions made by the family when death is imminent (projected in the next days to months). They must decide how some(prenominal) medical intervention they want done with their family member, where the ideal death would occur (in their home vs. in a facility), and what their definition of a good death would be. both case is different and there is not always time to plan everything, but this is a general outline.Before approaching any new area of nursing, a nurse must assess his/her own personal beliefs and for the presence of any biases about death and illness. It may be that the nurse has never encountered death and dying face-to-face and may hold pre-conceived notions that may not be in harmony with the patients beliefs. Identifying these biases and correcting them is crucial to taking care of the patient. small-arm it is not wise or possible to separate ones own person from one person as a nurse, it is better to pick up ways to help the patient through the process without burdening them with your own beliefs.Dying is a process that involves the entire family that is to say, the family that is defined by the person. The nurse must be aware that this isnot only an individual process but a family process. This involves recognizing family dynamics and communication patterns and facilitating healthy interactions.Kaakinen et al (2015) discusses the two types of health care teams that will be involved in the patients care multiprofessional and interprofessional. The multiprofessional model is an older model that does not focus on holistic care. Care is garbled with an autocratic leader, vertical communication, separate goals of the professionals involved, and families are peripheral to the process (Kaakinen et al., 2015). The preferred model is the interprofessional model emphasizing a team approach, holistic car e of the patient, even communication, and involvement of the family (Kaakinen et al., 2015). The nurse should keep this collaborative approach in mind when dealing with any patient case, involving all teams associated with the patient for the best outcome.It is important to immortalize that care of the patient does not end when the patient dies. After the death there is still work to be done in the form of solace the bereaved family members. It has been reported that some families feel abandoned after the death of a loved one by the hospital staff and this simply should not be so (Kaakinen et al., 2015). The nurses role after death involves simply a comforting presence, providing resources, answering questions, and listening to concerns. It may also be helpful to give the family information about what to expect next, what information is needed from them (funeral home arrangements, organ donation, etc.), and provide a place for them to rest and process.The relationship the nurse h as with the patient is integral to positive patient outcomes. Ways that a nurse can improve this relationship include being professional, being sensitive, listening, and establishing trust. The nurse ask to be able to communicate and be communicated with clearly and easily. This will be a challenge for some families who already begin poor communication skills. intercommunicate questions and taking time to listen go a long way in opening up communication.It is of benefit to the nurse to try and center his/her idea on what the dying patients goals are. A dying person wants to feel some semblance of control, strengthen personal relationships, and be relieved of pain and suffering. Good end-of-life care involves finding these goals, describing to the patient what good end-of-life care might look like, talk about symptoms that may occur, and discuss the importance of good communication, good relationships, and the role of informal (family) caregivers (Sherwen, 2014, p. 51).When palli ative care and end-of-life care are the direction care is taking, the nurse needs to shift gears in a positive way. One positive step the nurse can take is to empower the family during this time. Many families feel helpless against the diagnosis, but the nurse can show them that they still have an element of control. The nurse should provide them with information about the disease process, give the family resources in the community for support and services, and most of all offer encouragement. There will be negative feelings present in most cases, including feelings of hopelessness, depression, anxiety, and loss of control. The nurse must recognize these negative feelings and start a conversation. The nurse needs to be a facilitator of conversation between family members in order to identify common goals. Family meetings are a great tool to utilize throughout. It is held between caregivers and leaders in the family and can reveal concerns, answer questions, and establish goals of ca re.Parts of positively dealing with a dying loved one include balancing hope and preparing for death, as well as finding meaning in the situation (Kaakinen et al., 2015). These are things that may be beyond the scope of the nurses practice, but identifying them is important. The nurse can bring in social work, the palliative care team, and pastoral care to assist the family whatever is appropriate.When the time comes for the actual death of the patient, there are clinical signs and symptoms that the nurse must recognize. Care at the time of active dying is crucial for a good death. Some symptoms such as sleeping, change magnitude hydration and food needs may be easy for the family to offer, butothers, such as restlessness, difficulty breathing, and confusion may be very difficult to bear (Kaakinen et al., 2015). The nurse and care team must work together to provide maximum comfort for the patient as well as emotional support for the family during this difficult time. ConclusionIn conclusion, there is a point in a patients care where the focus shifts from curative to palliative, often in the case of cancers but in some other cases as well. The nurse needs to familiarize his/herself with this topic in order to provide optimal care. He/she must assess his/her beliefs and biases on the topic and address those that may be a source of conflict. The goals of the patient and his/her family must be established. Family meetings and conversations need to occur to drive communication, address concerns, and provide information. The nurse plays an important role in providing information for the family, managing negative feelings, encouraging hope, and preparing for the death. At the end-of-life and after the actual death the nurse can provide compassionate care, display sensitivity, and comfort the bereaved.Death is the inevitable outcome of this life that all must face and a nurse has a finical opportunity to help a family through the process. Helping and comforting a family during this process can be a truly rewarding aspect of a nurses career.ReferenceKaakinen, J., Coehlo, D., Steele, R., Tabacco, A., Hanson, S. (2015). Family Health Care Nursing Theory, Practice, and question. (5th ed.). Philadelphia PA F.A. Davis Company Murtagh, F., Bausewein, C., Verne, J., Groeneveld, E., Kaloki, Y., & Higginson, I. (2013). How many people need palliative care? A occupy developing and comparing methods for population-based estimates. Palliative Medicine. 28(1). 49-58. Doi10.1177/0269216313489367 ***Sherwen, E. (2014). Improving end of life care for adults. Nursing Standard, 28(32), 51-57. Trueland, J. (2014). All it takes is a bit of specialist knowledge. Nursing Standard, 29(3), 26-27. ***Research Article

Growing Up African American Essay

I am a member of the African the Statesn assort and I would homogeneous to tell you a bit about the group of when I am a part of. Let me start by saying that my African American group originated from Africa and growing up in America can be tough for people of my laundry, the African Americans. My groups history is wide ranging spanning for umteen years and varying from region to region within the United States. I remember when I was young I use to talk to my mother a mint candy and asked her m any(prenominal) questions like Why am I called an African American? She went on to explain that our race originally comes from Africa and we were part of a slave trade. From my mother I learned that we were slaves until a equity was passed to give us freedom. I use to wonder when I was young if there were other people similar to me all over America. I similarly remember more or lessthing my father told me once that African Americans live all over the ground. My father told stories of how he used to go to an all black aim could vote or sit in the front of buses. Being African Americans have faced several kinds of creation and consequence situations in the years they have been a part of the United States.In some places cheaper labor, longer hunt down hours and terrible living conditions. Many people of the United States have made it almost hopeless for groups of another race or Ethnicity to strive and live full happy lives. I have seen over the years situations of extermination in some parts, as well segregation, and expulsion. In school from some of my teachers, in social interactions like just walking through a store, and especially in the work place when theyll even give me the chance to work because it doesnt matter I go to get a job out here.There be some racist, even the Uncle Toms. Ive done everything they ask and still I either get denied the job or they hire me and treat me like Growing up African American 3 trash until I quit, or they try to find a reason to get rid of me. Since, I dont give them much reason to get rid of me due to my strong work ethic and performance they usually try to take off me down. Education plays an important role for most African Americans however we are still way behind when compared to the White American which probably has a lot to do with the way some of us was brought up or our background.Regardless of the contributions made by the forefathers of black people, there is a hesitation of acceptance of the race that has been a focus of many groups the strive for freedom and justice for all, that has not yet been rectified. The same group of people was good enough to built the country is not always seen as good enough to live in the house next door. I believe because this country is made up of many different races and ethnic groups that are steadily growing in numbers. If different races are toco exist peacefully in the U. S. , it is vital that we all become educate on the history and culture of diff erent races and ethnicities.According to the 2000 Census data for Lexington, MS the total population for 2000 were 2,025 male 965 and female 1,060 square miles 2. 45. Race exsanguine (635) black or African American (1,362) American Indian and Alaska Native (1) Asian (13) and two or more races (14) and Hispanic or Latino (of any race) (40) (Fact finder Census 2000). Birthplace facts from the 2000 census data in Lexington born(p) in the same state (1,706) born in another state (269) born outside the US (0) naturalized citizen (14) and foreign born, not US citizen (10).Some more 2000 census data in educational attainment population 25 and older was 1,206 in Lexington high school graduates (299) some college, or associates degree (349) bachelors degree (111) and masters, professional or doctorate degree (60). Some enrollment population 3 years and over Growing up African American 4 enrolled in school was 627 preschool and kindergarten (83) grades 1-12 (446) and college (98) (2000 cens us data). Growing up African American 5 References Factfinder Census 2000 Census data for Lexington, MS My mother and father.

Physical Development in Middle Adulthood Paper Essay

As the human body ages and reaches a point where it is no longer growing and changing delinquent to hormones, it slowly starts to change in other ways. Age starts to take its toll much earlier on the body than most people think. Physical, manpowertal and stirred changes argon being made in the middle parts of an adults keep. The midpoint of a persons life is a terminus from age 35 to 64, and it is referred to as middle matureness. Webster defines middle as equal distance from beginning to the end and the word adult is a person who is richly grown or developed (Dictionary 2010). Combining these words is like saying that an individual(a) is half way through with his/her life. Many individuals have achieved happiness by this point in their lives. However, there is some who feel like they are closer to death without accomplishing anything. Middle adulthood brings about many changes and stresses to deal with daily. How an individual handles these issues determines if he or she achi eves total happiness with their self.Middle adulthood is the time in life where individuals experience extreme amounts of responsibilities that could include the caring of aging parents or children (Dacey et al., 2009). Menopause is a womans first sign of aging that usually starts with a few years of turning 50 (Myers, 2008). Menopause is a very(prenominal) strenuous time in a womans life, with so many hormonal changes that heap upset a womans normal balance of life. Physical symptoms of menopause are mood swings, emotional outbursts, hot flashes, and insomnia. There are available medications to help with the effects that occur during menopause. health problems that evoke during these periods are Hypertension, asthma, arthritis, rheumatism and the metabolism starts to slow down. With hypertension (high blood pressure) affects 40% of adults in the United States being more prevalent among African Americans and slimy people (Papalia et al., 2007).This disorder leads to individuals having heart attacks and strokes. Having blood pressures screenings can detect this disorder, and it can be treated effectively with medication. The three leading causes of death for individuals between the ages of 35 and 54 are cancer being number one, 2nd heart disease, and 3rd accidents. Womens hormonal changes are known as menopause and are a decrease in the productionof estrogen. Male climacteric is a decrease in devolve on hormones. Both middle age men and women go through hormonal changes and physical increases. Both genders might expectance emotions of anxiety, nervousness, fatigue and decrease in knowledgeable desires. As both genders began get older, their hair begins to get filamentous and gray and get start getting wrinkles. While this makes most men appear attractive, it is viewed as unattractiveness or over the hill for women.According to Erik Ericksons stages of psychosocial development Generativity is the stage of middle adulthood the particular age is debatable, some sources identify the period between age 25 to 45, others identify the period between 45 to 65, generativity is particularly characterized by an individuals turning from self-centered objectives and becoming more interested and concerned with others, including a desire to nurture, care for, inspire and fight down others, their object can be within their own family or encompass their community and even encompass society as a whole. Middle adulthood is the time when interest shifts from self to others, it is the time of reflection Sexual development progresses throughout adulthood. Several elements such as pregnancy, chronic illness, stress, and the usual aging act affect adult sexuality.Adult men and women go through many physical and psychological changes as they age that can affect sexual transaction and sexuality. In general, health and wellness has a significant effect on sexual development in middle aged men and women. Adult men and women that go through a decrease in se xual activity could profit from many treatments. Such treatments include hormone replacement therapy (HRT), selective enzyme inhibitors (Cialis, Viagra), 5-alpha reductase inhibitors (Proscar, Adodant), and sex therapy. Adult men normally have a decrease in testosterone production after the age of 25 or so. Testosterone levels are lower which can lead to a lack of sexual passion and complications performing erection. Sexual function in men who are middle age and older is very common.Adult women, typically between the ages of 45 and 60, menstrual periods stop, this is called menopause, and the ovaries stop generating the hormone estrogen. Menopause affects sexuality which can cause vaginal dryness and be givenerness and reduces sexual cravings. Eating a proper diet, avoiding smoking and getting regular exercise allows many adults to continue sexualdesires and relationships during the course of their life cycle. Sexual partners that uphold expand communication along with proper trea tment of medical conditions can allow older adults keep affection part of life into older age.The changes in life can be many, and can often be terrifying for an adult to go through, not to mention stressful. Many adults going through this period tend to find outlets and ways to go about dealing with these changes, often referred to as a mid-life crisis, which allow them to put off feeling like their lives are already over, or allow them to come to terms with growing older and allowing them to feel more at peace with it. Conclusively, it is noted in many places that Old is glorious or 40 is the new 20, so perhaps people have found healthy outlets to allow them to be happier with being older.Reference sexual activity in Adulthood. Retrieved from blue.utb.edu

Negative speech for legalization of divorce Essay

A break formally dissolves a legal trade union. While married couples do not possess a constitutional or legal right to divorce, states abide divorces because to do so best serves public insurance policy. To ensure that a particular divorce serves public policy interests, some states require a cooling-off arrest, which prescribes a time period after legal separation that cooperators must bear before they can initiate divorce proceedings. Courts in the United States currently recognize two types of divorces autocratic divorce, known as divorce a vinculo matrimonii and limited divorce, known as divorce a menso et thoro.To obtain an absolute divorce, courts require some type of evidentiary showing of misconduct or wrongdoing on whizz spouses part. An absolute divorce is a judicial termination of a legal marriage. An absolute divorce results in the changing back of both parties statuses to single. Limited divorces are typically referred to as separation decrees. Limited divorces result in termination of the right to cohabitate notwithstanding the court refrains from officially dissolving the marriage and the parties statuses remain unchanged.Some states permit conversion divorce. Conversion divorce transforms a legal separation into a legal divorce after both parties have been separated for a statutorily-prescribed period of time. M either states have enacted no-fault divorce statutes. No fault divorce statutes do not require showing spousal misconduct and are a reception to outdated divorce statutes that require proof of adultery or some separate unsavory act in a court of law by the divorcing party.Nevertheless, even today, not all states have enacted no fault divorce statutes. Instead, the court must only find 1) that the relationship is no longer viable, 2) that inconsistent differences have caused an irremediable breakdown of the marriage, 3) that discord or conflict of personalities have destroyed the legit ends of the marital relationship and pre vents any reasonable possibility of reconciliation, or 4) that the marriage is irretrievably broken.Look to various state laws to determine the divorce law within a particular jurisdiction. The Uniform Marriage and Divorce Act may provide further guidance. PROPERTY DIVISION Following a divorce, the court must divide the property betwixt the spouses. Before legislatures equalized property allocation between both spouses, many divorce statutes substantially favored property allocation to the wage-earning spouse.These statutes greatly disadvantaged women disproportionately because during the 18th, 19th, and early-20th centuries, the participation of women in the workplace was frequently less than it has become during the latter-half of the 20th century and early part of the 21st century. The statutes failed to account for the contributions of the spouse as homemaker and child-raiser. Modern courts recognize two divers(prenominal) types of property during property division proceedin gs marital property and separate property.Marital property constitutes any property that the spouses acquire individually or jointly during the course of marriage. Separate property constitutes any property that one spouse purchased and possessed prior to the marriage and that did not substantially change in revalue during the course of the marriage because of the efforts of one or both spouses. If the separate property-owning spouse trades the property for other property or sells the property, the newly-acquired property or currency in consideration of the sale remain separate property.Modern division of property statutes strive for an equitable division of the marital assets. An equitable division does not necessarily involve an equal division but rather an allocation that comports with fairness and justice after a consideration of the totality of the circumstances. By dividing the assets equitably, a judge endeavors to effect the final separation of the parties and to enable both parties to start their post-marital lives with some degree of financial self-sufficiency.While various jurisdictions permit recognition of varied factors, most courts at least recognize the following factors contribution to the accumulation of marital property, the respective parties liabilities, whether one spouse received income-producing property while the other did not, the duration of the marriage, the age and health of the respective parties, the earning capacity and employability of the respective parties, the value of each partys separate property, the pension and retirement rights of each party, whether one party will receive custodial and child support provisions, the respective contributions of the spouses as a homemaker and as a parent, the tax consequences of the allocations, and whether one spouses marital misconduct caused the divorce. Most jurisdictions also give the family court judge broad jurisdiction by providing judges with the right to consider any other just and proper factor. When assigning property, judges cannot transfer the separate property of one spouse to another spouse without the legislature having previously passed an change statute. Whether such an enabling statute exists varies between jurisdictions.Alimony refers to payments from one spouse to the other. A court can order one spouse to pay three different types of criminal maintenance permanent sustentation, temporary alimony, and rehabilitative alimony. Permanent alimony requires the payer to continue paying either for the rest of the payers vivification or until the spouse receiving payments remarries. Temporary alimony requires payments over a short interval of time so that the payment recipient can stand totally once again. The period of time covers the length of the property division litigation. Similar to temporary alimony, rehabilitative alimony requires the payer to give the recipient short-term alimony after the property division proceedings have conclud ed.Rehabilitative alimony endeavors to help a spouse with lesser employability or earning capacity become familiarised to a new post-marital life. Courts allocate alimony with the intention of permitting a spouse to maintain the standard of living to which the spouse has become accustomed. Factors affecting whether the court awards alimony include the marriages length, the length of separation before divorce, the parties ages, the parties respective incomes, the parties future financial prospects, the health of the parties, and the parties respective faults in causing the marriages demise. If a couple had children together while married, a court may require one spouse to pay child support to the spouse with custody, but one should note that alimony and child support differ.

The Universe Next Door

Purpose of book 1. let online basic worldviews underlying way we in west think roughly selves. 2. hunt down historicly how worldviews accept developed from breakdown in theistic worldview, moving in turn into deism, naive realism, nihilism, existentialism, eastern mysticism, new consciousness of New age and Islam recent infusion from Middle East. 3. show how postmodernism puts a twist on worldviews 4. encourage us all to think in terms of worldviews with consciousness of not further our own way of thought but also that of other people, so we can first understand and genuinely communicate with others in pluralistic society. Chapter 1Worldview or vision of aliveness is framework or set of fundamental beliefs thru which we view world and our calling and future in it. Vision need not be fully articulated, may be so internalized that it goes largely unquestioned. May not be explicitly developed into a systematic conception of life. May not be theoretically deepened into a philosop hy. may not even be codified into creedal form. May be greatly refined thru cultural historical development. Vision is a channel for ultimate beliefs which give direction and meaning to life. Integrative and interpretative framework by which order and disorder are judged.Standard by which reality is managed and pursued. Set of hinges on which all our everyday thinking and doing turns. Worldview is commitment of heart expressed as story in set of assumptions true, ramifyially true, or false that we hold consciously and subconsciously and consistently or inconsistently about basic constitution of reality and provides foundation on which we live, move, and have our being. committal Worldview involves mind and soul and heart. playscript sees as wisdom, emotion, desire, and will, and intellect. Presuppositions expression expressed as a story of your life. Assumptions T, PT, F, etc. eality is everyones own perception of world. Foundation on which we lived expressed by words and actio ns. We all take some position whether we realize it or not, Chapter 2 Clockwork Universe Natualism How did theism get replaced with deism? Deism came about to replace chaos with unity of theological and philosophical explanations. Shift from scriptures to reason or compassionate intuition (inner light). Started studying world form based on matter and how things were put together. Orderly, mechanized, clockwork timing with perfect mechanical precision. Science was born. Middle ages directed toward beau ideal and studying Him to become good and holy.Theology was born. Some atheists Christians some not. To deist immortal is distant, foreign, alien, and unavailable. 1. Wv? 1 a transcendent God as a first cause created universe then left it to run on its own. God is not immanent not triune, not fully personal, not sovereign over human affairs not providential. 2. Wf? 2 cosmos God created is determined, because it is created as a uniformity of cause and effect in a disagreeable sys tem so no miracle is possible. Any tampering or interference by God would be considered as saying His creation is flawed. Locked up in cause and effect clockwork world. Humans cannot change. 3. Wv ? human beings though personal are part of clockwork of universe. Deism says we are just puppets and no free will. No one has special relationship with God. 4. Wv? 4human being may or may not have a life beyond their physical existence. Destroyed triune and led to naturalism and nihilism. Warm still guessd in afterlife cold did not. 5. Wv? 5 thru inseparable and autonomous human reason and the methods of science, we can not hardly known universe but can infer at least something of what God is like. Cosmos, this world, is silent to be in its normal state it is not fallen or abnormal. Deism human reason is autonomous and not from God.Learn about God from universe. Theists believe God revealed Himself in nature but also with His word. Deists God no communicate with man/architect and desi gner only. 6. Wv? 6 morals is intuitive or limited to cosmopolitan revelation because universe is normal it reveals what is right. Weather disaster is natural events. Deists do not consider human reason or universe itself to be fallen. principle state. 7. Wv? 7 history is linear for course of the cosmos was determined at creation. Still meaning of the events of history remains to be understood by the lotion of human reason other data unearthed and made available to historians. . Cold deists use their own autonomous reason to determine their goal in life, cordially deists may reflect on their commitment to a somewhat person God and determine their goal in accordance with what they believe their God would be pleased with. MODERN DEISM Sophisticated scientific deism cold deism God is embodiment of laws of physics. Sophisticated philosophic deism there is something out there but is it God? Popular deism belief in a being, intensity, or intelligence. Cold deism God is simply abst ract force bringing world into existence. Warm deism God is clearly personal and even friendly. Monotheistic therapeutic deism . God exists who created and orders the world and watches over human life on earth. 2. God want people to be good nice, and fair to each other, as taught in bible and by most religions, 3. cardinal goal of life is to be happy and to feel good about oneself. 4. God does not need to be particularly involved in ones life except when God is needed to resolve problem 5. Good people go to heaven when they die. UNSTABLE COMPOUND 1. Autonomous human reason replaced Bible and tradition as authority for way reality was understood. 2. Autonomous human reason replaced bib and tradition as authority for morality. . Deists rejected biblical thought of Fall and think universe is a s it should be. 4. Universe cannot be reordered, human action is determined. 5. Today find more aspects of deism to question. Chapter 4 realism Deism (God is reduced) connects theism (God exal ted) and naturalism (no God at all). BASIC NATURALISM 1. WV ? 1 Prime reality is matter. Matter exists eternally and is all there is. Cosmos rules. God does not exist. Nothing comes from nothing. Something always was and was matter of cosmos itself. 2. Wv ? 2 cosmos exists as a uniformity of cause and effect in a closed system. 3. Wv ? human beings are complex machines spirit is an interrelation of chemical and physical properties we do not yet fully understand. 4. Wv ? 4 death is extinction of personality and individualistity. 5. Wv ? 5 thru our innate and autonomous human reason, including the methods of science, we can know the universe. The cosmos, including this world is understood to be in its normal state. 6. WV ? 6 ethics is related only to human beings. Theist God foundation of values. Naturalist human beings foundation of values. For ethics to matter has to be personality along with consciousness and self-determination.Naturalists say ethics is autonomous and situational and came from human experience, need, and interest. Also say all humans have a sense of moral values that come from culture and growing up in environment. 7. Wv ? 7 history is linear stream of events linked by cause and effect but without an overarching purpose. Natural history begins with origin of universe. 8. Wv ? 8 naturalism itself implies no particular core commitment on the part of any given naturalist. Rather core commitments are adopted unwittingly or elect by individuals. NATURALISM IN PRACTICE SECULAR HUMANISM Humanism says overall attitude human beings are of special value.Emphasis on value of individual person. Term used since Renaissance. NATURALISM IN PRACTICE MARXISM Scientific socialism. Marx believed human history began with people living in family like tribes. No private property. Individuals place with community as a whole. Technology developed and division of labor develops and controllers of tools and resources society depends on enables them to exploit other s. Class struggle since primitive tribes with classes dominated by those controlling means of production. Classless society will result with less competitive individuals working for good of all.

Bluewater Case Study Essay

* Was built on an old quarry brownfield land.* Employs around 7000 people.* Good modify access and a dictate of things to do for altogether people.* Bluewater makes sure it remains sustainable it has high operational standards, water usage is measured and controlled, energy is cut back as much as possible, it has a lake and wildlife atomic number 18a to introduce biodiversity, community partnerships, as little chemical use as possible and green guide e.g. buses.Positives of Bluewater* Was built on an old quarry brownfield land.* Employs around 7000 people.* Good disabled access and a range of things to do for all people.* Bluewater makes sure it remains sustainable it has high operational standards, water usage is measured and controlled, energy is reduced as much as possible, it has a lake and wildlife field to introduce biodiversity, community partnerships, as little chemical use as possible and green transport e.g. buses.What does Bluewater have to offer?* Over 300 shop s,* Over 50 restaurants to eat and swallow in,* A cinema,* Boating and cycling facilities,* A mini sports stadium,* Places to cook, read, play on a computer,* Advice centres,* Homework help.What does Bluewater have to offer?* Over 300 shops,* Over 50 restaurants to eat and drink in,* A cinema,* Boating and cycling facilities,* A mini sports stadium,* Places to cook, read, play on a computer,* Advice centres,* Homework help.A bit about Bluewater* Bluewater is an out-of township regional obtain centre (definition a shopping centre containing oer 50,000 square metres of gross retail area offering a wide range of comparison goods and services) * Bluewater is located in Greenhithe, Kent and is 17.8 miles east south east of London. A fifth of the UKs population are within an hours journey of Bluewater. * Bluewater has potentiality for 13,000 cars, is close to the M25, has over 60 busloads arrive every hour and has devise and coach links making transport links easy. * It is the large st out of town shopping centre in Europe- cost 350m to build A bit about Bluewater* Bluewater is an out-of town regional shopping centre (definition a shopping centre containing over 50,000 square metres of gross retail area offering a wide range of comparison goods and services) * Bluewater is located in Greenhithe, Kent and is 17.8 miles east south east of London. A fifth of the UKs population are within an hours journey of Bluewater. * Bluewater has capacity for 13,000 cars, is close to the M25, has over 60 busloads arrive every hour and has train and coach links making transport links easy. * It is the largest out of town shopping centre in Europe- cost 350m to build Negatives of Bluewater* Because of the amount of people travel long distances to the site, congestion post be a problem, as well as noise and air pollution. * Although there are many bus links, they are not necessarily all over the country and access may be difficult for those who do not have cars. * Because many people from the area will chose to go to Bluewater instead than local CBDs, these areas begin to lose business and a lot of money. Negatives of Bluewater* Because of the amount of people travelling long distances to the site, congestion can be a problem, as well as noise and air pollution. * Although there are many bus links, they are not necessarily all over the country and access may be difficult for those who do not have cars. * Because many people from the area will chose to go to Bluewater rather than local CBDs, these areas begin to lose business and a lot of money.

Analysis and Consequences of Legal Action(S) Essay

Analisis for boffo fair playsuit reportPurposePer your request, our licit team, courtesy of Legal Eagles, LLP, wishes to advise you regarding your tentative lawful achieve at law against Mechanics content argot ( guinea pig deposit). As you aver, guinea pig bank buildinging compevery was negligent in their visitation to learn a quick temper on your Lagoon Beach shoes. Our sub judice team has assessed this and early(a) concerns of your graphic symbol. Outlined throughout this correspondence ar conclusions we adjudge made and urge onations we wish youconsider.Before we proceed, we thank you for your rely and tally you nonhing less than our highest-quality work.You set out expressed to us your interest in rec all overing payment for a failed entrepreneurial endeavor involving a hotel topographic point, Hotel calcium. You besides in planted us that your acquisition of this situation was mutualist upon your securing financing through pledging a airplane p ropeller you currently own as corroboratory. In a drawing outline of the f deeds of your courtship, we realize you whitethorn success neary prove liability on the part of depicted object lodge however, this conclusion is not without concerns, particularly regarding your trim down with the owner of Hotel atomic number 20. This concern and other considerations for your eccentric person are also discussed in this correspondence.Factual BackgroundOur occupations of the essential facts of your case indicate the embraceing You sought the acquisition of an active hotel quality located in Palm cede, spirt. You inter-group communicationed the hotels listing agent, Mr. Babak Gordon, and obtained preliminary data on the property, including fiscal evidencements of the hotel which you flip provided us. On January 5, 2005, the hotel owner, Ms. Shirley Ramirez, Mr. Gordon, and you had a preliminary discussion regarding the purchase and sale of Hotel California. Ms. Ramirez t wistinged to you by phone this property for $4.3 million, excluding the furniture, and the sale was to conclude borrowing a 45 daylightlight escrow. On January 6, 2005, you faxed Ms. Ramirez a signed letter both indicating your removeance of her cranny and your preference that the transaction close following a 60 day escrow. Although you never received a reply or confirmation from Ms. Ramirez, on January 30, 2005, you obtained a financing inscription from fix of the West. Their conditions were that the bank would obtain a first priority irascibility on the hotel property on with an unrelated undeveloped parcel of land owned by you in Lagoon Beach, kB. As you wee shared with us, you filmd this land in 1984 and had managed to pay off its mortgage on November 1, 2004. However, matter avow failed to tally its lien on the property. You vigorously attempted to get case Bank to remove its lienon this property. You contacted bank officers and explained to them that the lien needed to be take so that you could pledge the property as col afterwardal and finance your purchase of Hotel California. Because National Bank did not remove this lien, you were ineffectual to finance the acquisition of Hotel California. You later bought a hotel property similarly situated and virtually identical to Hotel California for $4.7 million dollars.IssueFrom our analysis, we find as reasonable your decision to consider pursuing effectual action against National Bank for damages. You have cited National Bank as negligent for failing to follow book of instructions regarding the removal of a lien from the title of your Lagoon Beach property. If you proceed get on to trial, a court of law willing try, whether by failing to remove its lien on your Lagoon Beach property, National Bank committed the tort of remissness.Because our analysis has also raised concerns regarding your resolution with the owner of Hotel California, Ms. Shirley Ramirez, we must also specify you o f a back trend a court of law is likely to try. If you proceed further to trial, a court of law will try whether a jurally dressing, enforceable stupefy exists (or existed) amidst Ms. Ramirez and you. Keep in forefront that your jural action for damages may be predicated on whether there was a pore.RoadmapIn rise to power to listing our conclusions, recommendations, and concerns throughout this correspondence, you will find that we have analyzed the likelihood for success of your lawful action against National Bank. You have expressed your desire to recover damages for your lost opportunity involving the Hotel California property. For your convenience, a masterful and careful analysis has been conducted and detailed throughout this correspondence. GROUNDS OF LIABILITYYou have alleged that National Bank was negligent, and you intend to recover damages from National Bank. You will have the incubus of proving the prima facie case for the tort of negligence. You must cite e vidence and presentarguments that support your allegation of National Banks negligence. To successfully fulfill your burden you must show that* province The defendant (National Bank) owed you (plaintiff) a trading of receivable care. * Breach of Duty Defendants conduct assaulted that duty. * Actual and Proximate Cause Actual and immediate causation amid defendants breach and your (plaintiffs) in control panel was present. * Injury Injured companionship (you) sustain injury due to defendants actions.If you fail to prove these elements, National Banks legal team may motion to dismiss your case. In this event, it is possible that your case could then be fired without further proceedings.However, if you successfully prove and argue all four of these elements, you must also overcome either affirmative defenses, if applicable, raised by the defendant (National Bank). These defenses are contributory negligence and assumption of risk. From our initial analysis, National Bank will be unable to raise an affirmative defense on these grounds. We will fully assess whether there are on any other legal grounds defenses that National Bank stand raise. (See Other Considerations.)Remedies for NegligenceIf you successfully prove National Banks liability, you may be entitled to recover compensatory or actual damages. The damages and compensatory award amounts are determined on a case-by-case basis by the jury or judge presiding over the case. We have included a potential award amount you may be entitled to and you will find a complete discussion on how this determination is made. (See ANALYSIS OF LIABILITY Injury.)Statutes Governing Contract LawBecause the secondary issue (See Issue) and one of our concerns regarding your case is regarding your shrink with Ms. Ramirez, we have disclosed applicable information from both the Green complaisant Code and our legal library pertaining to 1) volunteer and acceptance, 2) Greens statute of frauds, and 3) Greens mirror image rule. For your convenience, we have bolded anddefined legal terminology that will be reiterated in later sections of this correspondence. bid and AcceptanceAn offer is the important first step in the contract formation process. A party ( offerer) who mystifys the offer gives another party (offeree) to whom the offer is made the power to bind both parties to a contract simply by accepting the offer. Not every proposal qualifies as an offer. To distinguish an offer, courts evaluate offers on three grounds First, they look for some objective indication of a present intent to contract on the part of the offeror. Second, they look for specificity, or definiteness, in the terms of the alleged offer. Third, they look to see whether the alleged offer has been communicated to the offeree.An acceptance is a manifestation of assent to the terms of the offer made by the offeree. In determine if an offeree accepted an offer and created a contract, a court will look for evidence of three factors (1) the offeree mean to enter the contract, (2) the offeree accepted on the terms proposed by the offeror, and (3) the offeree communicated his acceptance to the offeror.Statute of FraudsAccording to the Green genteel Code, 1624, any contract conveyancingring an interest in land is invalid if not accompanied by note or memorandum. An unenforceable contract is one that fancys the basic legal requirements for a contract, but may not be enforceable because of some other legal rule. A contract for which the statute of frauds requires a form of report, yet no writing is made, may be declared an unenforceable contract.Mirror Image preceptThe traditional contract law rule is that an acceptance must be the mirror image of the offer. Attempts by offerees to change the terms of the offer or to add new terms to it are treated as counteroffers because they indicate an intent by the offeree to reject the offer instead of being bound by its terms. flat that you have an understanding of th e relevant law behind the tort of negligence and contracts, and are familiar with the legal terminology of these areas, we proceed into our analysis of the facts of your case and the prima facie case for the tort of negligence.ANALYSIS OF NATIONAL bank buildingS LIABILITYShould you pursue further legal action against National Bank, you will have the burden of proving the elements of the prima facie case of the tort of negligence. Below are descriptions of these elements, accompanied by our legal analysis in the midst of the facts of the case, prima facie case, and case law from our legal library.Tort of NegligenceIn Commercial Escrow Company v. Rockport Rebel, Inc., negligence is defined as conduct which falls below the standard established by law for the tribute of others. Because of the similarities in the facts amidst the case of Escrow Company and your case, this case has been used extensively in the forming of the following arguments. We recommend using this case in satisfy ing your burden for your legal action.Accordingly, you must argue that National Banks behavior in failing to remove the lien on your Lagoon Beach property fell below the standard for public protection established by law. Further, to successfully prove negligence, you must argue that National Bank is responsible for some injury you bring forthred stemming from their alleged mismanagement and failure to remove the lien on your property. With your notes, the facts of your case, and documents you provided us, we have constructed tentative arguments to determine the success of your legal action. You will find these arguments scratch line on the next page.DutyAccording to the case, Commercial Escrow Company v. Rockport Rebel, Inc., a defendant owes a duty of care to all foreseeable plaintiffs. For example, in cases where a defendant voluntarily assumes the duty to act by declare to the plaintiff to behave in a certain way, the defendant owes that plaintiff a duty to act with care. Accor ding to Judge Utter, a defendant also owes the plaintiff a duty of care where a contractual relationship between the parties requires the defendant to act in a certain way towards the plaintiff.Considering these rules of law, National Bank owed you a duty to act as you requested. In your previous correspondence, you indicated that National Bank is the contributeer on your Lagoon Beach property. You also submitted to us a copy of your deed of trust. To reiterate the spoken language in the deed of trust as part of your contractual relationship with National Bank, National Bank was supposed to promptly record a reconveyance of its lien on your property upon payment in full of the underlying loan. Because National Bank failed to do this, we find it foreseeable that you would be prevented from using the property as collateral for your hotel acquisition.Additionally, you also mentioned that you vigorously attempted to get National Bank to remove its lien on your property, but to no ava il and despite repeated assurances from various officers. Because National Bank officers assured and essentially promised you that they would remove the lien on your property, National Bank voluntarily assumed a duty to you, if no duty had been present beforehand. In essence, the assurances made to you to process your request indicate that National Bank voluntarily assumed, and therefore owed you, a duty of due care to act as you requested. In light of these arguments, we assure you that you should successfully satisfy this first element duty of the prima facie case of the tort of negligence.Breach of DutyAccording to Commercial Escrow Company v. Rockport Rebel, Inc., in order for a plaintiff to prove negligence, the plaintiff is required to show that the defendant had breached defendants duty of care to the plaintiff. In most cases, a defendant owes a plaintiff a duty to act as would a reasonable person under similar circumstances. In the case of Escrow Company, the Court found that in performing services for a client, the escrow company has the duty to strictly follow instructions. Like an escrowcompany, a financial initiation like National Bank most likely has a duty to strictly follow instructions drafted in a deed of trust, or part of a loan or other financial instrument.Because officers on behalf of National Bank did not follow instructions and terms of behavior involving you (as lendee) and National Bank (as lender) detailed in your propertys deed of trust, you may successfully argue that National Bank breached its duty to you. According to our copy of your deed of trust you provided us, National Bank was required to promptly record a reconveyance of its lien on the property upon payment in full of the underlying loan. You had managed to pay off the mortgage on this property on November 1, 2004. Despite this, National Bank failed to remove its lien, even after you requested. Because officers at National Bank did not strictly follow this instruction , National Bank breached the duty of due care owed to you.CausationSatisfying the prima facie case for the tort of negligence also requires that a plaintiff prove that there is a connection (or actual causation) between the alleged breach of duty by defendant and injury suffered by plaintiff. As in the case of Commercial Escrow Company v. Rockport Rebel, Inc., courts assess the existence of a connection between breach and injury by determining whether injury would have occurred if not for breach. A court would employ a similar quiz in your case. Because National Bank failed to remove the lien on your property, you did not satisfy terms of the loan commitment with Bank of the West and could not secure financing for your acquisition of Hotel California. We find that there is a casual connection.Courts also evaluate the proximate cause (causation) between a defendants breach of duty and a subsequent injury suffered by a plaintiff. Proximate causation refers to whether the defendants b reach of duty and subsequent injury suffered by the plaintiff was foreseeable. Because you vigorously attempted to have officers at National Bank remove its lien on your property and informed them that you needed the lien removed in order to pledge the property as collateral, we find that your injury of loss of opportunity toacquire the hotel property was foreseeable.InjuryThe final element you must prove to satisfy the prima facie case for the tort of negligence is whether you have suffered injury because of National Banks alleged negligence. Due to National Banks failure in removing the lien on your Lagoon Beach property, the transfer of ownership covenant of Hotel California between you and Ms. Ramirez allegedly collapsed.Later, you purchased a similarly situated and virtually identical hotel property for $4.7 million, $400,000 much than what you would have paid for Hotel California ($4.3 million). In essence, National Banks alleged negligence caused you to incur an opportunity cost of $400,000. This loss of opportunity is under the assumption that a valid, enforceable contract existed between you and Ms. Ramirez.SUMMARYBecause National Bank breached its duty by failing to remove its lien on your property, you were unable to secure financing for a $4.3 million acquisition of Hotel California. However, you later purchased a virtually identical property for $4.7 million. You may be entitled to the difference.DEFENSES AGAINST LIABILTYIn this portion of this report, we detailed any applicable defenses relevant to your case, and outline other considerations and concerns we advise you to consider. Although we have found that affirmative defenses to National Banks negligence are inapplicable to the particular facts of your case, we have other concerns to discuss.Other ConsiderationsIt is the smell of Legal Eagles, LLP, that National Bank may argue that regardless of whether it removed the lien on your Lagoon Beach property, indefinite would be the transfer of ownership of the hotel property from Ms. Ramirez to you. As our analysis showed, you may successfully prove that National Bank had a duty to remove the lien on your property andsubsequently breached that duty by failing to sting to this instruction. If the failure to remove the lien on your property bottom be proven to have caused you damage(s), we will advise you to pursue further legal against National Bank. But first we must evaluate the documents you provided us and later the validity of the fertilization contract between you and Ms. Ramirez. compendium of IncomeWe have completely re respectd the hotel property, Hotel California you were implicated in. We used the same method acting(s) and approaches that most banks in our region would use to appraise the value of hotel properties. The expected value approach places weights on appraisals from two methods. First, we multiplied the past two years average gross margin by four. This holds a weight of 40%, because it is expecte d to be accurate 40% of the time. The value we derived from this method came to $2,462,380.00. Next, we took the present value of the average of the past three years cash flows, give the sacked at an 8% discount rate for 10 years. This method holds a 60% weight. The value derived from this method comes to $2,505,589.13. Our final step is to portion the correct weight to each method and sum the two figures. We can therefore conclude that the Hotel Californias appraisal value is $2,488,305.48. In addition to this, it is acceptable for a company to sell what is cognize as goodwill. That is why the listed monetary value of 2.5 million dollars was over say by $11,694.52. We discern that the bank would only leave behind you to borrow up to the appraised value, $2,488,305.48, unless you either pay 25% of the purchase in cash, or pledge to the bank a first priority lien on the inert land as collateral. We also know that the latter option was not possible, so we will consider the forme r. We conclude that 25% of the purchase price of $4.3 million is $1,075,000. Because you were able to only provide $500,000 in cash for a down payment, you did not meet the requirements to borrow more than $2,488,305.48 from the bank, without pledging the vacant land. Hypothetically, if you had decided to borrow $2,488,305.48 from the bank, plus your $500,000 down payment, you would have had $2,988,305.48. This amount even so would not have been enough to purchase the Hotel California property offered at $4.3 million dollars. Consequently, we conclude that without pledging the vacant land as collateral, there was no way you could have borrowed enough money to make the purchase. so farthough the appraised value was not enough for you to borrow a sufficient amount of money from Bank of the West, we believe the appraised amount you were given was not accurate. There are two reasons why we believe Desert Mirage account should not have relied on the income secernatement and footnote p rovided by Ms. Ramirezs comptroller. The first task lies in the way the accountant prepared the income statement. Mr. Babak Gordon calculated gross profit by taking gross minus cost of revenue. This method is only used for retailers and manufacturing companies, whereas Hotel California is a service company. The second riddle is the verifiability of the financial statements and reliability of the accountant. To be credible, financial statements must follow generally accepted accounting principles (GAAP). A financial statement that follows GAAP must be accompanied by a signed opinion letter. The letter can be in the form of 1) Compilation letter2) Review letter3) inspect opinionFinally, this letter must be signed by a certified public accountant (CPA). Because the income statement of Hotel California does not come with any signed opinion letter, we cannot verify its accuracy. Therefore, Desert Mirage Accounting should not have relied on that income statement and footnote informati on to make the evaluation. In our initial note of your case, we assumed National Banks failure to remove its lien from your Lagoon Beach property caused you to forfeit your opportunity to purchase the Hotel California property. As illustrated by our calculations above, you could not have financed the acquisition of Hotel California without pledging your Lagoon Beach property as collateral. However, after conducting a thorough analysis of your case, we regret to inform you that you may not be able to prove damages stemming from National Banks failure to remove its lien from your property. Even though National Bank may have breached its duty to you, National Bank could argue that your contract with Ms. Ramirez is invalid or unenforceable. In the event that you do not have a valid or enforceable contract, you are not legally entitled to the Hotel California property or other legal remedies. In essence, regardless of whether NationalBanks negligence can be proved, a transaction between Ms. Ramirez and you might not have occurred if a binding contract did not exist. We will clarify and explain this finding in the next section. Offer and Acceptance AnalysisFrom our analysis, coupled with case law from our case library, we have found that there was no contractual formation between you and Ms. Ramirez. In arriving at this finding, we took into account the facts surrounding your case. There are key elements that prevent the institution of a contract, for the purchase of real estate, between you and Ms. Ramirez.In reaching this finding, we referred to the case of Cayetano J. Apablasa v. Merritt & Company from our case library. In this case, the Court evaluated a plaintiffs action for damages resulting from an alleged breach of contract. This plaintiffs action for damages depended on whether there was an existing contract. The Court found that no reasonable spin of evidence admitted a binding contract between the parties and that the correspondence that was provided t o the Court amounted to nothing more than an offer that was never accepted. In essence, at the conclusion of the plaintiffs case, the Courts judge entered a judgment decreeing that no contract was entered into, existing, or was ever executed.Similar to your case, in Cayetano v. Merritt, the initial reply to the offerors offer by the offeree did not constitute an acceptance, contrary to what the offeree had thought. The offeree had included a proviso in his perceived acceptance letter to the offeror. In light of this, the Court found that terms proposed in an offer must be met exactly, precisely and unequivocally for its acceptance to result in the formation of a binding contract. This decision supplements our discussing regarding Greens mirror image rule below. (See Regarding Mirror Image Rule.) Additionally, the Court stated that the addition of any condition is tantamount to a rejection of the original offer and the reservation of a counteroffer. In essence, the Courts decision c an be summarized by the following where a person offers to do a definite thing and another introduces a new term into the acceptance, his answer is a sheer expression of willingness to negotiate or is a counter proposal, and in neither case is there a contract if it isa new proposal and it is not accepted it amounts to nothing.Regarding Greens Statute of FraudsA key element that is missing in the proof of a contract is that your agreement with Ms. Ramirez was not in writing. The Green Civil Code requires that in order for a contract involving the sale of real property, to be valid, the agreement must be in writing and signed by the party to be charged or by the partys agent. In your situation, Ms. Ramirez made her initial offer orally over the phone and you replied by a signed fax. There was never a written offer or contract signed by Ms. Ramirez. Therefore, a court of law would most likely find the contract between you and Ms. Ramirez as unenforceable. Even if the alleged contrac t did not have to be in writing and could be enforceable, there are other additional concerns we haveRegarding the Mirror Image RuleIn a situation, such as the one you were in, a proper acceptance must meet the mirror image rule. This rule states that in order for an offeree to properly accept an offer, the offeree must accept the exact offer that was established by the offerer. When reviewing your case, we found that you had intent to accept Ms. Ramirezs offer, but in your attempt to accept the offer, you added a different term to the agreement. In her offer, Ms. Ramirez required that the sale was to conclude following a 45-day escrow. However, in your reply, you stated that you would like to close escrow within 60 days. A court of law would find that by changing the terms of Ms. Ramirezs offer, you fail to meet the mirror image rule, and therefore terminated Ms. Ramirezs initial offer and proposed a counteroffer.Documents you provided us detailing your correspondence with Ms. Rami rez indicate no communication on her part in accepting your counteroffer.SummaryWe must mention that had there been a contract between Ms. Ramirez and you, you may have been the subject of legal action by Ms. Ramirez. If we assume there was an actual contract between Ms. Ramirez and you with either the 45day or 60 day escrow term, Ms. Ramirez could have pursued legal action and you could be liable for having breached your contract for your failure to deliver on your promise.You entered into the alleged contract with Ms. Ramirez on January 6, 2005. Regardless of whether there was an agreement for a 45 day escrow or a 60 day escrow term, you failed to secure financing in either time frame. Approximately 80 days after entering the alleged contract with Ms. Ramirez, on March 28, 2005, you contacted Ms. Ramirez to request an extension. The fact that you have no pending legal action brought by Ms. Ramirez may suggest that Ms. Ramirez did not view the arrangement with you as a binding con tract. We reiterate that neither party had a binding, enforceable contract. CONCLUSIONMs. Warren, we regret to inform you that success with your legal action is unlikely. There is a high chance you will be unsuccessful, should you purse a legal action against National Bank on the grounds of the tort of negligence. National Bank failed to remove the lien on your Lagoon Beach property, violating the duty of due care owed to you, and disrupting your ability to secure financing for your entrepreneurial endeavor. However, the question of law of whether there was a valid, enforceable contract between you and Ms. Ramirez, is the decisive issue.As our analysis has indicated, a court of law will most likely try the issue of whether there was a binding contract. Thus without the binding contract between you and Ms. Ramirez involving her offer for the hotel (Hotel California), a judge or jury in a court of law cannot rely on how much you would have paid to make a compensatory damages determina tion. In other words, because your action for damages is predicated on a contract between you and Ms. Ramirez, your damages cannot be established and you incurred no loss of opportunity. Without the loss of this opportunity cost, you have not suffered any injury due in part to National Banks negligence.RECOMMENDATIONSMs. Warren, as Associate fellow of Legal Eagles, LLP, I oversaw the analysisof my legal team and validated their conclusions and findings. In light of the findings of our analysis, I best recommend that you consider the following course of action * Please, do not pursue further legal action against National Bank regarding this cause of action and issue. It is my opinion and the opinion of Legal Eagles, LLP, that pursuing further legal action regarding this issue, considering our evaluation of your case, will result only in additional expense on your part including legal and attorney fees and your time. You will also not receive the resolution that you would like making the process inherently dissatisfying and frustrating.With this in mind, there is another course of action I do recommend. Because you have already attempted to resolve your issue with National Bank regarding the lien on your Lagoon Beach, Green property, you are entitled to contact the regulative agency of your former bank. All national banks within the state of Green are regulated by different agencies. If National Banks lien be on your property, I recommend you pursue this alternate course of action* Contact the appropriate state of Green regulatory agency of your financial institution (National Bank) and file a complaint.Your banks regulatory agency can help you with your concerns and complaints. There are many regulatory agencies in the state of Greens banking industry. For your convenience, the appropriate regulatory agency of your former bank, and its details have been listed According to the Federal monetary Institutions Examinations Council (for additional information vi sit www.ffiec.gov), National Banks regulator is the Office of the Comptroller of the money (for additional information please visit www.helpwithmybank.gov). You can visit and reach this regulatory agency online or by phone at (800) 613-6743. The Office of the Comptroller will assist you in getting answers and solutions to your questions and concerns. You can also file complaints against your bank, here. If you decide to proceed with filing a complaint, officials from the Office of the Comptroller will contact National Bank on your behalf regarding your issue for a response. You will then receive a letter summarizing the results.Those who have sought our legal advice and even had similar experiences as you with National Bank as sound have reported that intervention by a regulatory agency expedited the process and liens were eventually removed. We are confident that you have the tools to resolve this issue.LEGAL EAGLES, LLP 1 . The elements of the prima facie case of the tort of neg ligence are duty, breach of duty, actual and proximate cause, and injury. 2 . COMMERCIAL ESCROW COMPANY AND JAMES DE MIK, APPELLANTS, v. ROCKPORT REBEL, INC., APPELLEE. 778 S.W.2d 532 1989 Tex. App. LEXIS 2263 3 . CAYETANO J. APABLASA, Appellant, v. MERRITT & COMPANY (a Corporation) et al., Respondents. 176 Cal. App. 2d 719 1 Cal. Rptr. 500 1959 Cal. App. LEXIS 1542