How to Make Your Website Work for You Essay Example for Free

How to Make Your Website Work for You Essay Website Introduction                   A website refers to a collection of webpage like documents that are accessed via the internet. A web page is what you view on your PC screen when you key in a web address, click on a link, or put a question/ query on the search engine. Any information can be contained in a webpage, including color, texts, graphics, sound and animation.                   When somebody gives you their web-address, it actually directs you to their website home page, that introduces you to what that particular site offers in terms of services and other information. From website home page, you can click on the links to reach other subsections of the site. A website can be composed of a single page, or multiple pages depending on what the owner of the site is trying to accomplish. A website can be public or private. Public websites consists information, which are viewed by anybody in the public while private websites are owned by organization for their own purposes e.g. advertising. Web-design                   Web design refers to the design art and the process of merging individual element and aspect of design including shape, line, texture color, etc. into a simple pleasant arrangement. In short, web design is the process and art of creating single web page or the entire websites and may involve both the mechanics and the aesthetics of a website functions though it focuses primarily on the feel and look of a website. All these combined are called the design element. Some of the features combined included in the web production and the web design are animations and graphic creation, font selection, content creation, navigation design, XML/HTML authoring, ecommerce development, and JavaScript programming. A web design is a type/form of electronic publishing. Web Development                   This refers to the creating, building, and maintaining the websites. It encompasses features such as web publishing, web design, database management, and web programming. While the term web designer and web developer are used synonymously, they do not have the same meaning. Strictly, a web designer interfaces by use of CCS and HTML (Harad, 2013). A website developer may involve the work of designing a website, but also may write a web scripts in the languages such as ASP and PHP. Moreover, a developer of website may help maintain and also update a database that is used by a dynamic website. Web Hosting and administration                   According to Harad (2013) Web hosting refers to a type of service in which one computer is set up and configured as an internet server and offers a part of, or its entire resources, for the use in the exchange for various rental fee. One or multiple users can gain access to the information, content or services located on this server by use of another computer called the client computers. The client computers uses the internet to connect with the server computer and displays the content desired to the user.                   On the other hand, web administration is the act of keeping your website well and running. The practice involves the following tasks. Web server administration: keeping the website running. Web software: installing web software. Web security: ensuring server security User accounts: setting up user account. Website builder                   This refers to website creation software, which is full of features, and the widgets, which aids in the creation of the website that you want (Baga, 2013). A website builder allows someone to build the website without the need of the technical knowledge at all. A website builder, also called a website creator, a web builder or online CMS, is a unique kind of a content management system (CMS). While the traditional website content management systems were then designed to administrate a huge website, while the website builder are concerned with the small websites in the small project mind. This implies that the user does not need any programming knowledge or other technical knowhow to install a CMS, create a database or apply a template. Website templates                   A website template is a predesigned webpage or a set of HTML WebPages that anybody can use to plug-in-their personal/own texts and image content into (Peterson, 2009). Generally, they are built with the CSS and HTML code. The website template permits anyone to configure or set up website without having to get somebody who is a professional web designer, or developer, though, many developers usually use this website template to build sites for their own clients. This makes anybody to create a reasonably personal or business website that can be listed in the search engines when the users search for your topic. How to make a website Below are the steps to make a website (Harad, 2013) Get your domain name Get web host and sign up for an account Design your WebPages Testing your websites Collecting credit card information Getting noticed Disadvantages of free websites                   According to Barger (2012) these are the totally free can never deliver any good value and always there is a catch when someone gives you something freely. If you are not paying any cost to the website hosting, probably you are going to pay them in some ways. Not your personal domain. Signing up for free website, you do not get a domain name. The search engine would not rank your website. There is little functionality to your website. Poor support of your website. There is no free advertisement. The website is unprofessionally designed. References Pablos, P., Damiani, E., Lytras, M. D. (2009).  Web 2.0 : The Business Model. New York: Springer. Otonomic Debuts as Website Builder. (2014).  Entertainment Close-up, Peterson, K. (2006). Academic Web Site Design and Academic Templates: Where Does the Library Fit In?.  Information Technology Libraries,  25(4), 217-221. Harad, K. C. (2013). How to Make Your Website Work for You.  Journal Of Financial Planning,  26(8), 18-20. Baga, J., Hoover, L., Wolverton Jr., R. E. (2013). Online, Practical, and Free Cataloging Resources.  Library Resources Technical Services,  57(2), 100-117. Source document

Cyperus papyrus: From the Nile to Modern Times :: Botany

Cyperus papyrus: From the Nile to Modern Times Cyperus papyrus, commonly called papyrus or paper plant, is a member of the sedge family (Cyperaceae). It is a monocot that is native to riverbanks and other wet soil areas in Egypt, Ethiopia, the Jordan River Valley, and other parts of the Mediterranean basin (1). Few members of the sedge family hold economic importance as crop plants, but throughout the world these plants hold great regional importance in weaving mats, baskets, screens, and even sandals (3). Though not normally grown for crops sedges do hold economic importance to agriculture. A substantial amount of sedges are noxious weeds, invading crop fields in all climates of the world. These include species that invade rice paddies, grazing pastures, as well as others (3.) Sedges do however have a considerable amount of ecological importance. They are of extreme importance to primary production as well as an integral part of the hydrologic cycle (3.) C. papyrus is an aquatic plant that has woody, bluntly triangular stems and grows up to about 15 feet in quietly flowing water up to three feet deep and the stem can grow up to six centimeters in width near the top (4). While the bottom portion of the stem can be up to six inches in width (7). The stem has scattered vascular bundles and no inner pith, like other typical monocots. The stem is composed of cellulose (54-68%) and lignin (24-32%), this helps to provide support for the stem and subsequently helps maintain the plant structure. There are also air ducts in the stem to help the plant stay buoyant; this is an important adaptation since C. papyrus grows in wet conditions (1). The roots, which are rhizomes, spread over the water, forming floating mat. These mats can sometimes break apart allowing the plant to colonize new areas in rivers and lakes. This can sometimes cause problems for shipping vessel (1). The leaves of the paper plant are long and sharp-keeled and have parallel veination (7). The leaves also have an epidermis with no 'long' and 'short' cell differentiation. The leaves usually have silica bodies and stomata are present (6.) The leaves are arranged in umbels, or tufts, on the end of tall, leafless stems (1). The economic contributions of C. papyrus may not be evident to moderns, but its importance to some ancient civilizations is tremendous. The ancient Egyptians were using papyrus to make paper more than five thousand years ago to make the first paper (1.

Assess Contribution of Ngos to the Community

Introduction This chapter introduces the background of the problem, objective of the study, statement of the problem, research questions and significant of the study. 1. 0 Background of the Studies According to World bank, NGO’s are defined as private organizations that pursue activities to relieves suffering, promote the interest of the poor, protect the environment, provides basic social services, or undertake community developments( World Bank criteria defining NGO,2007). Historically, Non-Governmental Organization at international level have a history dating back to at least 1839.It have been estimated that by 1914 there were 1098 NGO’s. The international Ngo’s were important in the anti slavery movement and the movement of women suffrage, and reached peak at the time of world disarmament conference. Non Governmental Organization only comes into popular use with the establishment of United Nation Organization in 1994 with the provisions in the article 71 of c hapter 10 of the United Nations chapter for consultative role of organizations which are neither government nor member state. Davis, 2007). The vital role of NGOs in sustainable development was recognized in the chapter 27 of agenda 21 in the UN conference, In the 20th century during the establishment of globalization the importance of NGO’s was recognized, where many problems could not be solved within a nation, Hence NGO’s have developed to emphasize Humanitarian issues, development aids and sustainable development (Howell, 2000). According to World Bank, There two purposes of NGO are operational and advocacy .Operational is the primary purpose of NGO’s . Primary purpose of NGO’s to design the implementation of development related projects, Example Community Based Organization. The primary purpose of Advocacy NGO’s is to defend or promote a specific cause. As opposed to operational project management, these organizations typically try to raise aw areness, acceptance and knowledge by lobbying press work and activist event (Wikipedia, 2011).Non Government Organization has been an engine towards improving the living standard of the people, since not all the problem could be solved within the nation tracing back the Tanzanian history, since 1961, Tanzania has been at war against three development enemies such as ignorance, poverty and diseases. However in 1996 the overall policy has included special forms of poverty reduction in additions to measures to sustain sound macro economic levels (URT, 2007). The progress of minimizing three enemies is mixed, towards achieving development of the community.Indicators in measuring development are range, others show sign of improvement, and others remain the same while others get worse. Many disparities still exist such as gap between the poor and rich, the bridge between urban and rural, female and male, able and disabled. It is also clear that children, youth, and the elderly and people with disabilities have their own problem especially poverty that all problems are felt at different extent in different parts of the country, Hence Low living standard is inevitable (chambers, 1983). One of the indicators of the standard of living is health. In 1990, the health situation in Tanzania was mixed.Diseases like tuberculosis among elderly, youth, youth and children increased, The availability of drugs were scarce, many people in rural areas were have to travel to distance for the health facilities and get many drugs were very expensive for the poor to afford. For stance 90% of the children’s’ deaths in local communities and some urban areas are due to preventable causes (National Strategy of Growth and Reduction of Poverty, 2005). Education is also among the major aspect of living standard of the community. Several tactics, programs, have been enrolled in the improvement of education situation in Tanzania.Despite the improvement of enrollment in education co nsiderably in the last five years in 2004, as the results of primary education development Program(PESP), still many problems and challenges are inevitable, such as shortage of text books desks, chairs, teachers, latrines holes and teachers houses remarkably wanted in primary schools, especially in rural areas. Moreover the edges of poverty torn the education situation in Tanzania. in most student in Rural areas passes primary education but there were no room to accommodate them. Also, others lack school uniforms and tuition fees due to hardship of the economy that parents are facing. NSGRP, 2005). Living standard of Tanzanian and African at large depends on agriculture as the economy backborn. 45% of Agriculture contributes in the GDP and 60% of the of the export earnings in the year. Still the living standard of many people are low, since they produce for consumption and practice poor farming methods that result to low harvest (NSGRP,2005). Non Government Organizations play vital remarkable roles in improving the living standard of people among the local communities in Tanzania. NGO’s are involved in a very diverse range of human activities and human influence on the environment.These strata of societies they are involved at, children and youth, conflict resolution, education, health and nutrition, human rights and relief services. (Wikipedia, 2011). The effectiveness of Non government Organization in improving the living standard of people has been achieved at some extent. In a case of Moshono, in Arusha, the international organization called World Vision, Intervene in that society with efforts to eradicate poverty and bring about good living standard among the people in the society The intervention of WV in the Moshono ADP has brought positive impact toward the society.Through ADP many project such as water projects, education projects, environmental projects and agriculture projects(including livestock arming and beekeeping) are undertaken so as to solve socio-economic problems in Moshono, and hence improve their living standards at large extent. Before intervention World vision as any NGO, observe the political admistration of the area, population size, poverty, socio-economic available, commitment of the local leaders . World vision use sustainable livelihood approach ( Moshono ADP, 2007). 2. 0 Statement of the problemThe effectiveness of NGOs in improving the living standard of local communities has brought a significance results to various communities towards poverty alleviation. Poverty is the major problem facing the societies that means they are characterized with endless lack of the resources, choices, security and power necessary for the enjoyment of the living standard (Maccihato, 2009). The World Bank notes that â€Å"the incidence of poverty in the world is higher than past estimates have suggested that 1. 4 billion people live under poverty line.In Sub Saharan African Growth and Economic performances over the pa st two decade have been described in recent scholarly writings as â€Å"tragic† (The World Bank Economic review, 2000). There are various ways which will help to reduce and eradicate poverty improve the living standard of the people such as support provision of social services, example education, water, infrastructure mobilization of people for collective action such as development projects, provision of soft loans to individuals through Non Government Organizations, Particularly in the case of Moshono ADP under World Vision is concerned with the improvement f local community living standard through its various projects such as water supply project, primary school classrooms construction, health care projects, have been established to eradicate poverty in the area and the life of many have been improved (Moshono ADP, 2010). In this context there are various things which will be examined to measure effectiveness of NGO’s in improving the living standard of people.The cr ucial aspect will be identifying how NGO are supporting local community, where there are various measures done by NGO to contribute towards alleviation of poverty such as reduced illiteracy rate, improved farm fertility, improved supply of safe and clean water, improved health services, increased individual and household income. ( Moshono ADP, 2007). 3. 0 Objectives of Studies 3. 1 General Objective To assess the contribution of NGO in improving the living standard of the local communities. 3. 2 Specific Objectives 1.To identify how NGO’s are supporting community welfare. 2. To find out how the assistance provided to the local communities has positively affected their living condition. 3. Challenges that NGO’s face in improving the living standard of the people. 4. 0 Research Question 1. What support does NGO provided Moshono ADP? 2. To what extent does the Moshono ADP contributes in changing the living standard of local communities? 3. What are the problems faced by t he NGO in improving the living standard of Moshono people at Moshono ADP? 5. Significance of the Study 1. The study will be resourcefully to the areas of development program as it will provide data and various relevant information and improving social and economic activities for sustainable development and effective intervention. 2. Also, the study will be instrumental to policy maker’s institution, economic planners and other NGOs with mission of improving the economic and social status of the local communities because it will act as a self evaluation instrument. CHAPTER TWO 6. 0 Literature review IntroductionThis chapter shows contribution of different authors and documents on the research topic. It emphasizes the views, theories principles and polices given out by individuals’ organizations, agencies, the government and group on the research topic. 6. 1 Theoretical Review Non Government Organization play a vital role to promote the living standard of the local commu nities, the major important of the NGO’s increases â€Å"social capital† by providing people with opportunities to build trust in each other and capacity to work together towards common goal.NGO’s promote pluralism, diversity, and tolerance in society while protecting and strengthening cultural ethics, religious, linguistic and other identities. Moreover, NGO’s advances science and thought develop culture and arts develop culture and arts, protect environment and support activities concerning civil societies, NGO’s is a facilitator of citizen through it advocacy and operational mission as classified with World Bank (ICE, 2002). NGO’s mainly are doing to encourage socio-economic development and the community at large in less developed countries particularly in Tanzania (UN human Development report, 2000).There are various indicators that an organization may be labeled an NGO if it ha four characteristics identified by the commonwealth foundat ion, a London based NGO group. These characteristics are the guidelines for the good practices of NGO’s. These characteristics includes Voluntary membership, independent and autonomy where NGO’s are independent within the laws of society and owned by the members and controlled by board elected from members, Non-for-profit, NGO’s are not for private personal gains, but NGO’s may involve in income generating activities for pursuing organization mission.Another indicator for the good performance NGO’s should not self-serving in aims and related value, The aims of NGO’s is to improve the circumstances and prospects of people and to act on concern on issues detrimental to wellbeing and peoples prosperity (Commonwealth Foundation, 1995). NGO’s have indirect and direct relationship in the content of poverty. This is because of the purposes of the NGO’s and their nature to fight against poverty. According to the president of the Egypt where he rgue that NGO’s have rendered a great efforts in poverty eradication not only in Egypt but also in sub Saharan nations, He further stated â€Å"There can be hope only for society which act as one big family and not as many separate one† ( Sadat 1981). NGO’s provides humanitarian aids example food during natural calamities all over the world, protects children and youth, conflict resolution, education, environmental, human rights, relief services (Wikipedia,2010).In the context of poverty an NGO, example World Vision a case of Moshono ADP, this organization has rendered great significant efforts in improving the living standard of Moshono people through the provision of clean and safe water, improve health situation, cars for orphans, Build classrooms and hospitals, this contributes a lot to poverty alleviation. (Moshono ADP). Standard of Living is a level of material comfort that an individual or group aspires to or may achieve.Standard of living is mea sured by various indicators, Example life expectance, access to nutrition foods, safe and clean water supply, and availability of medical assistances. (Britannica Concise Encyclopedia, 2000). 6. 2 Empirical Review According to Anup (2001) in his research on â€Å"poverty facts and stats on Global issues†22,000 children die each day die to poverty and they die quietly in some of the poorest villages on earth, far removed from the scrutiny and the concise of the world.Being weak and weak in life make this dying multitudes even more invisible in death. Around 27-28 percent of all children in developing countries are estimated to be underweight or stunned. The two regions that accounts for deficit are South Asia and Sub –Saharan African. If the current trends continue the millennium Development Goals (MDG’s) target having the proportional of underweight children will be mused by 30 million children. Largely because or low progress in Southern Asia and Sub-Saharan Af rica.According to Sachs(2005) ,UN project on the research â€Å"Ending African’s poverty trap†, The thirty three Sub- Saharan countries on which this study focuses had a combine population of 617 million in 2001 with the population heightened average annual income of $271 per person or a mere 74 percent a day. Every county in Sub-Saharan is a low income country according to world bank country classification, At least only four countries (Angola, Cameroon, and Congo) with income per capital $500 because their oil exporters and only cote d’ ivory which is currently vertiginous political nd economic crisis, is a non oil exporter. Sub-Sahara countries have a life expectancy at birth below 60 years and in all but Ghana. Madagascar and Sudan life expectancy at birth is below 55 years. Child mortality rates (Death before the age of five (5) per 1000 live births) are above in every Sub-Saharan countries. According to (Mbelle, 2003) in their research on poverty alleviati on (school enrollment performances and access to education in Tanzania) the decision to invest in education is guided by cost benefit consideration.At the Micro level the question whether education contributes to economic growth and how this contribution of physical capital becomes a paramount importance. Demand fof education by individual and household needs to be sustained at high level if access is to improve. This can be achieved through empowering individuals and households economically. Maintaining macro economic stability and perusing pro-poor expenditure are keys in reducing the general level of raising the level of demand for education at both individual and household level.The gap is identified on where the NGO’s operating in local communities found to face various problems that can possibly hinder their efficiency and effectiveness in supporting local development. It is doubtful, however other studies shows that the NGO’s have a lot to contributes in eradica ting poverty, in local communities. Basing on such theoretical contradiction makes the need to go through findings and analyzing the facts on the extent to which NGO’s have been supportive agent to the local are as development and eradicating poverty in the area they operates. CHAPTER THREE 7. Research methodology 7. 1 Research Design Is the logic that link the data to be collected (and the conclusion to be drawn) to the initial question of a study. Research design addresses the planning of scientific enquiry that is, designing a strategy for finding out something (Kothari, 2004). The descriptive study will be employed to portray accurate information since the research is concerned with issues related to social development studies. 2. Description of the Study Area. This study will be done in Arusha Region with a case study of Moshono ADP in Arumeru district council.The economic activities in Moshono ADP are mainly farming and livestock. This is the sample for the Non governme ntal Organizations in assessing their effectiveness in improving the living standard of the local communities in Tanzania. Therefore, From Moshono ADP enough information can be accumulated which will represent the whole population.. 7. 3 Data Collection The data will be collected by using different instrument/methods. There will be both primary and secondary data collection (document review) primary information shall be collected by using interviews, questionnaires and observations. 1. Type of Data.Both primary and secondary data will be collected from the field. Where by the primary data will be obtained from respondent directly though questionnaire and interviews as well as observation while Secondary data will be obtained from documents that contains relevant information about the study. 2. Sources of Data. Both primary and secondary data will be used as sources of data in this study. 7. 3. 2. 1 Primary Data These are new data which will be gathered to help solving the problem at hand the researcher will collect primary data from selected respondents from different groups in the entire community.Interviews, questionnaire and observation will be used to obtain primary data at Moshono ADP. 7. 3. 2. 2 Secondary Data These are data that has already existed some where; this involves reviewing of literature and documentation, document such as livelihood, gender, poverty, and social services journals and reports for the purpose of findings tangible information about the issues of living standard of local community in Tanzania and suggests possible solution for that problem. 3. Techniques of Data CollectionThe following techniques will be applied in this study 7. 3. 3. 1 Interview, This method will involve the prepared questions that a researcher administers through face to face interrogations with respondents. The researcher shall record all conversation in the interview. 7. 3. 3. 2 Questionnaire This popular method will be employed for data collection. Questionna ire will be open and closed. The researcher should use this tool to the key respondents like Moshono ADP Staffs, Community Leader and Community Member. 7. 3. 3. 3 ObservationThe resercher will use this technique of data collection. The researcher shall directly ask questions to the respondents and make physical observation of the environment. Through observation the researcher will be able to observe some of the causes, effects and measures taken by different stakeholders towards solving this problem in the study areas. 3. Sampling. Sampling is a part of statistical practice concerned with the selection of an unbiased or random subset of individual intended to yield some knowledge about population.Sample type which will be used is descriptive random sampling in order to give an equal chance to every selected sample element. Under this sampling both probability and non-probability method will be used. 1. Sampling Frame/Population Sampling frame is a list which consists of all sample units. Sample frame consist of a list of items from which sample is drown (Kothari. R, 2003) generally sample frame consist of name of respondents, total number of respondents and the sample size in percentage.Sample frame, therefore the total sample size will be 50 respondents from this units sample size will be (6) Moshono ADP staff, (2) WEOs (4) VEOs, (20) Community members (6) Teachers (6) Health worker (6) P/school student 2. Sample Size The sample will be drawn from 14 wards of Moshono division in which Moshono ADP operate the researcher select three ward randomly namely Moshono, Mlangarini and Bwawani. The sample size will be 50 respondents from different level on the community. The category and numbers of respondents who will be interviewed in this research is shown in the table 1, below. Table 1. Sample Size Distribution NO |CATEGORY |NUMBEROF RESPONDENTS |PARCENTAGES (%) | | |OF RESPONDENTS | | | |1 |WEOs |2 |4 | |2 |VEOs |4 |8 | |3 |Community Members |20 |40 | |4 |Teach ers |6 |12 | |5 |Health worker |6 |12 | |6 |ADP staff |6 |12 | |6 |P/School students |6 |12 | | |TOTAL |50 |100 | Source: Researcher’s own manipulation 7. 4. 3 Sampling TechniquesIn order to collect and acquire enough data and information from different respondents the researcher will use various techniques to capture enough information from the respondents. The researcher will use a purposive technique of sampling though random sampling technique. 5. Data Analysis Techniques The researcher will use the different techniques to analysis and manage the data such as quantitative and qualitative analysis techniques . Also the data will be presented by using of matrices, percentages, and flow diagrams. Reference: Anidah Maccahato (2001) Book in Research Relevance Poverty. )University of Mandanao. Chamber (1983) Rural Development Putting the last first, Longman Inc. New york Chronic Poverty Report (2005) [http://www. chronicpoverty. rg/page/vulnerability-cprc-s-work] Commonwealth f oundation (1995), Non Governmental Organization, Guidelines for Good policy and practice [www. peacecorpsvolonteers. org. com] Community Development Journal an Inter. Form VOL. 31 (2002) [www. undp. org] Davies, Thomas Richard (2007). The Possibilities of Transnational Activism: the Campaign for Disarmament between the Two World Wars. ISBN  978 9004162 58 7, [Http://enwikipedia. org/wiki/non-governmentorgarnization. au] Jude, Howell and Jenny Peace (2000) new roles and relevance; Develop NGO’s and the challenges. Kumarian Press Kothari C. R (2004), Research Methodology, Methods and techniques 2nd edition, New Age International publication. Moshono ADP, Annual Reports, 2006.NSRGP, (July, 2005)Growing out of poverty By Haki Kazi and Catalyst, Tanzania. Nepal National Development Report on poverty alleviation (2004) [www. nepal. gvt. nd] Research on poverty Alleviation. Amon Mbelle and Jovieter Katoboro (2003) [www. repoa. or. tz] Shah Anup(2001) Poverty Facts and Study on Glo bal Issues. UN, Human Development Report (2000) www. undp. org UN Project Research on Ending African Poverty Trap. Jeffrey . D. Sachs (2005) URT 2002, Tanzania Census Report World Bank Economic Review (2000). Volume 14, Number 3. World Bank Report on Poverty (1997) [www. wb. org] World vision (2004), Evaluation report of Moshono ADP [www. world vision. org]

How to Solve The Foreclosure Crisis Essay - 1273 Words

Due to the recession that our economy has recently experienced, American consumers are currently undertaking serious financial problems. Such difficulties are obvious in real estate, with homeowners having to deal with a major foreclosure crisis. According to studies by the Mortgage Bankers Association, one out of every 200 homes will eventually be foreclosed, and 250,000 families enter into foreclosure every three months. Although the worst times are still in our future, with help from the United States government, we as citizens will eventually overcome the horrendous situation of America’s current real estate market. To combat our nation’s foreclosure crisis, I believe it is necessary to inform Americans about their options, rights,†¦show more content†¦In the event that the profits from the sold home cannot cover the mortgagee’s payments, the lender may file a deficiency judgment against them. â€Å"More than 6 in 10 homeowners delinquent in their m ortgage payments are not aware of services that mortgage lenders can offer to individuals having trouble with their mortgage† (Freddie Mac), such as bankruptcy, appeals, a motion, or an exemption from the creditor. When a deficiency judgment is filed against a debtor, the individual should seek the assistance of an attorney as soon as possible. Deficiency judgments are rare, however, because a majority of lenders feel that if a borrower is not able to make their payments initially, there is no reason to spend their time and money on further legal action. With the occurring realization that foreclosure is a losing proposition for both the lender and the borrower, negotiating a temporary delay in payments may benefit both parties. Contrary to the belief that contacting a lender for help is embarrassing, useless, and will cause the home to be lost more quickly (Freddie Mac), lenders are usually receptive to the idea of reconstructing a payment plan. According to Craig Focardi, r esearch director of TowerGroup’s consumer lending division CMB, lender losses on foreclosureShow MoreRelatedHow to Solve the Foreclosure Crisis1218 Words   |  5 PagesHow to Solve the Foreclosure Crisis The foreclosure crisis in our country has implemented a domino effect that may take years before we note any positive changes. As the country begins to heal, an effective process and/or program must be implemented that will reduce or eliminate foreclosures. 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