Practice Analysis with Whistlers Mother Essay Example | Topics and Well Written Essays - 250 words

Practice Analysis with Whistlers Mother - Essay Example The painter utilized various hues so as to separate between the foundation and the picture of a lady. The foundation likewise incorporates things which show the watcher that the lady was in the house like the blind and a bit of picture at the divider. The painter has utilized great hues which can make and a person to believe that the composition is genuine. The shade of the face is that of a white lady. He has utilized various hues so as to separate various pieces of the body and fabrics. For instance, the head spread is white in shading while the dress is dark ((Margaret „and James 77). The picture is very much planned and of high caliber. The painter utilized shading to make the picture progressively alluring to the watchers. Highly contrasting hues are hot and draw in people from toll. The painter likewise painted the ladies sited so as to raise the part of unwinding (Margaret „and James

Discuss the behavioral issues involved in Merit inc.'s standard cost Assignment

Talk about the social issues associated with Merit inc's. standard cost predicament - Assignment Example of the representatives the framework doesn't offer a stage for the workers to work seriously in an offer to deliver quality items, rather the framework has offered a perfect circumstance which doesn't give stipend for mistakes in the procedures and deformities comparative with the material use. This has added to low profitability which is ascribed to low spirit level for work. Then again, the framework has offered a perfect circumstance that has made it difficult for the chiefs to accomplish any set objective. This has prompted an impressive decrease of the manager’s inspiration. On account of the three reactions from the plant administrator, controller and HR chief, it is commonly recognizable that the standard cost framework gave a perfect circumstance which left the organization not ready to advance. On account of the plant manager’s reaction the association is enduring since all the activities are done in a perfect business milieu which doesn't mirror the endeavors of the workers along these lines slaughtering their confidence. This perspective has seen the organization’s profitability decay significantly. The benefit of this reaction is that the administration sees well that, there is need of the standard framework change to one that will be founded on the normal genuine costs and past effectiveness midpoints. This methodology is invaluable since it will upgrade distinguishing proof of the difference comparative with the degree of progress. Basically, this methodology will upgrade the employees’ assurance for better outcomes. On acco unt of the controller’s reaction the hierarchical milieu is reflected as one working in a perfect milieu, which isn't gainful and attainable when estimating execution against a flat out norm. The upside of this reaction is that offers a knowledge that the association need to change strategy on nature of the cost norm. For this situation the cost principles ought to be estimated to standard comparative with a green. This will empower the administration to assess

Can Bad Credit Keep You From Getting That Apartment

Can Bad Credit Keep You From Getting That Apartment Can Bad Credit Keep You From Getting That Apartment? Can Bad Credit Keep You From Getting That Apartment?Depending on your credit history, that sweet new bachelor or bachelorette pad might be out of your reach.Say you get a credit card offer in the mail and you apply for itâ€"but you get denied. You try to refinance your car loanâ€"and the application comes back with a red stamp on it. You even try to rent a new apartment and, heyâ€"did your security deposit just go up because of your bad credit?!Yeah, it did. Or rather, it can. Bad credit affects a person’s life in dozens of different ways. Some large, some small, some obvious, others a bit unexpected.One of the ways it can affect you is when you’re applying for an apartment or home rental. Even if a landlord isn’t directly looking at your credit score, the information they find on your credit report could greatly sway their decision.A landlord might not check your credit score but they’ll still check your credit.According Real estate investor and founder of idealrei.com, Eric Bowlin (@EricJBowlin),“It is pretty rare that a manager or landlord is actually looking at someone’s credit score. Instead, they may be looking for overall debt to income or currently delinquent accounts.”So how would they do that? By pulling a copy of your credit report from one of the three major credit bureaus: Experian, TransUnion, and Equifax. That’s the document that companies like FICO use when they create your credit score.It will contain pretty much everything that your landlord would want to know about you financially. And everything that you would want to keep a secret.“Your credit report tells a lot about you, says Shane Lee of Renthop (@RentHop), “like whether you plan things ahead, pay your bills on time, and if you are likely to be a good tenant or not.”“Just because you have a bad credit, doesn’t mean that you won’t be able to rent an apartment, says Lee. And that’s true. But what it can affect is what kinds of apartments you can get and how mu ch you’ll have to pay for them.“A landlord cares about two things,” says Nathan Miller, founder of Rentec Direct (@rentec), “that rent is paid in full and on time, and that the property remains in good condition.”“When a landlord reviews your credit and finds problems, they are going to assume that your inability to pay your current and past debts will also affect your ability to pay rent.According to Miller, “Medical collections can often be an exception as many landlords will overlook or discount medical bills.” Still, he advises that “the tenant should let the landlord or property manager know about them in advance.”With bad credit, your rental options will be more limited.He says that “There are some landlords today which still do not check a tenants credit, but those are typically private landlords with one or two homes,” adding that “As more landlords learn that they are allowed to pull credit reports on tenants, this opportunity gets smaller every da y.”This is why Bowlin says, “If for some reason all the major complexes in the area are rejecting the application due to credit, it would be better to find a small mom-and-pops type operation or a single family rental.”“The owners for these are far more flexible and rely on personal relationships more than a systemized approach to filling vacancy. So, the tenant may be able to offer a higher deposit or to pay a last month’s rent in order to provide security to the landlord to compensate for the poor credit,” he says.Bowlin also advises that certain classes of apartments might be unavailable to people with bad credit, low income, or a criminal history.“For example,” he says, “an A-class may require 3 or 3.5x the rent for income and no criminal record at all while a C-class property may only require 2.5x the rent as income and will accept most crimes as long as they are 5 years or older with some exceptions.”“So, it’s good for the tenant to ask the requirements before applying so they know what their neighbors will be like and they can also avoid paying the application fee if they don’t qualify.”You’re likely to feel the effects in your security deposit and your utilities.  According to Lee, it’s important for renters with bad credit to “Have enough cash ready in case the landlord asks for security deposit,” as those security deposits will likely be larger than they would be otherwise.“In New York City, for example, a lot of the landlords and property managers will ask for security deposits, and if you have a relatively low or even bad credit score, you might put in up to six  months of rent for the security deposit,” she says.“While it sounds like a lot, most people with bad credit do find it helpful. Remember to go through your lease and make sure that the lease specifies how and when the security deposit should be returned.”Lee suggests that, in order to get back as much of your security deposit as possible, you do the following:“Throughout your lease, make sure to report damages or appliance malfunctions that aren’t your fault immediately. Be sure to keep records including, photos, emails, or letters.”“Inspect the unit carefully and take pictures of damages prior to moving into the apartment. The results of your inspection, if anything, should be reported immediately to your landlord and you should get a written agreement from the landlord ensuring that you won’t be held liable. This way, the landlords have no reasons to withhold your security deposit.”Miller also has a suggestion for recouping your security deposit ahead of schedule:“When you are negotiating your rent and if a deposit is required, ask the landlord if they will consider doing a refundable deposit after six or twelve months of on-time payments.  â€œThat way you get those funds back provided you pay your rent on time each month.”When it comes to utilities, Miller says that “Most utility companies will require a deposit if you have poor credit.”“A deposit can be as little as one month worth of service, or as much as one year of service in extreme cases.”He also says that “in extreme climate areas this can be as much as $2,500, but that is pretty uncommon.”“In terms of utilities,” says Lee, “a landlord should not refuse to provide all the basic utilities based on the tenant’s credit score. As long as you can prove that you can afford the rents, your credit shouldn’t have an impact on utilities included in the apartment.”“Of course, it might be hard to have the landlord provide electricity, wifi, etc., as a bad credit does make a difference when it comes to a person’s reliability,” she says.But even if you have bad credit, you still have rights.Having a bad credit might mean that you have fewer options as a prospective tenant, but it doesn’t give landlords the right to treat you poorly.According to Miller, “A landlord is required by law to have a uniform set of standards for accepting an applicant.”“If their rules do not include reviewing credit, then they cannot review your credit either.”“Additionally,” he says, “if you are denied acceptance based on your credit, you can request a copy of the report they used to deny you.”“Once you sign the lease,” says Lee, “the landlord is responsible for everything that’s covered in the lease and certain rights as a tenant.” Those rights include:Right to livable premisesRight to complain and organizeRight to possession, privacyRight to receive servicesRight to fair, equal treatmentRight to transfer rights, obligations“Your credit should not have any impact on the rights you enjoy as a tenant!” says Lee, a sentiment with which we definitely agree.Visit OppLoans on YouTube | Facebook | Twitter | LinkedINContributorsEric Bowlin (@EricJBowlin) is a real estate investor and founder of idealrei.com, a website about achieving financial independence through real estate investing . He started investing in 2009 and was able to achieve his dream of financial independence in 2016 at the age of 30.Shane Lee  (@RentHop) is a communications strategist at Renthop, a national apartment rental site based in NYC, and regularly spends time speaking with renters, landlords, and real estate brokers to keep up with the ever-changing tide of the US rental markets. Her efforts have helped RentHop expand into new markets and better serve renters looking to find their new home.Nathan Miller (@rentec) founded Rentec Direct in 2009 which is a cloud based software company that services the landlord and property management industry.   Today they work with over 13,000 landlords and property managers in the US by providing them automation software, tenant screening, online rent payments, and education to effectively and efficiently manage their rentals.