Exploring Comorbid Substance Use And Mental Illness

Exploring Comorbid Substance Use and Mental Illness Sarah L. Alford Kennesaw State University Exploring Comorbid Substance Use and Mental Illness There is a wealth of literature about the relationship between substance use and mental illness. Bahorik, Newhill, and Eack (2013) reported that individuals who have a mental illness have a higher prevalence rate of substance use than individuals who do not have a mental illness. Fluery, Grenier, Bamvita, Perreault, and Caron (2014) cite that at least one half of people who develop a substance abuse problem report being diagnosed with a co-occuring mental disorder. There is an abundance of information in the field that provides support for the assertion that there are high rates of comorbidity, which leads into the question of why the two constructs are often found together. Specific factors such as demographics, types of mental illness and motivation for engaging in substance use are considered. Ratnasingham et al. (2013) conducted a study in Ontario on the burden of mental illness and found that the burden of living with comorbid substance use and mental illness increases the ris k of early mortality and decreases overall quality of life, so much so that the consequence of living with each ailment is greater than the consequences of the four most common types of cancer and all other infectious diseases. The primary motivation for substance abuse is to cope with psychological distress or negative emotions stemming fromShow MoreRelatedDissociative Identity Disorder ( Mpd ) Essay1570 Words   |  7 Pages Dissociative identity disorder (DID) or Multiple Personality Disorder (MPD) is a mental illness where an individual expresses multiple personalities that may or may not be aware of each other. In ancient times, near the middle ages, DID was thought to be due to possession due to the fact mental illnesses back then had a supernatural theory attached to them. However, the DSM-5 has cleared up that theory and describes the actual symptoms and theories that appear within an individualRead MoreAttention Deficit Disorder ( Adhd )1669 Words   |  7 Pagesgroups: hyperactive, impulsive, inattentive or combined (Resnick, 2005). In adult ADHD, the occurrence is roughly the same in men and women and can be diagnosed in the same way as children: simple diagnostic precedents set in diagnostic literature for mental health (Resnick). Symptoms of adult ADHD are generally the same as those of children: trouble meeting deadlines, inability to manage stress and unstable prompt mood-swings (Resnick). 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The Hidden Truth in The Rocking-Horse Winner by D. H....

The Hidden Truth in The Rocking-Horse Winner by D. H. Lawrence The plot in The Rocking-Horse Winner by D. H. Lawrence reveals to the reader conflicts between Paul and his mother using different levels or forms of secrecy. There are secrets hidden throughout the house that leads Paul and his mother to an unpleasant life. The first level of secrecy is the actual secrets that Paul and Pauls mother keep from each other. The second form of secrecy is that D. H. Lawrence uses a story telling style of writing. This way of writing in itself holds many secrets. Finally, the third level of secrecy is through the use of symbolism. Pauls mother tries to show others that she is a good mother even though at the center of her heart†¦show more content†¦Paul also hears the cry, there must be more money echoing through the houses walls (Lawrence 525). Paul . . . takes upon himself the intolerable burden of attempting to solve mothers problem . . . the lack of money (Jinkins 88). He takes this challenge hoping to receive his mothers love in return. Instead Paul rides himself to his death because he is unable to meet his devouring mothers needs (Jinkins 89). D. H. Lawrence also shows conflict between Paul and his mother through a second level of secrecy. He writes the story using the style of story telling or a fantasy style of writing. The Rocking-Horse Winner starts off with there was a woman who was beautiful, who started with all the advantages, yet she had no luck. She married for love, and the love turned to dust (Lawrence 524). According to Junkins mother is the poor, unsatisfied fairy princess who yearns for happiness; Paul is the gallant knight on horseback who rides to her rescue (88). Lawrence uses this form of story telling to show the reader the conflict Paul has when trying to win his mothers love by giving her riches. Lawrence uses a third type of secrecy that deals with symbolism. There is a short passage where Pauls mother comes to a realization of what Paul has been doing with his rocking horse. This passage starts off by mother switch[ing] on the light . . . [S]uddenly [it] lit him up . . .Show MoreRelatedHorace Gregory s Short ( But Perfectly Formed D. H. Lawrence : Pilgrim Of The Apocalypse10205 Words   |  41 PagesCHAPTER TWO Inquisitive D. H. Lawrence versus Anally Retentive Mr. Freud Horace Gregory’s short (but perfectly formed) D. H. Lawrence: Pilgrim of the Apocalypse (1933) explains how Lawrence’s two essays on psychoanalysis were motivated by his desire to understand. What he needed to understand was why he was as he was; how the development of masculinity and gender identity were influenced and how obstacles such as an over-possessive mother might impair these developments. Hence, his works onRead MoreDeveloping Management Skills404131 Words   |  1617 Pagesand provided valuable feedback, vital to the revision of this and previous editions: Richard Allan, University of Tennessee– Chattanooga Forrest F. Aven, University of Houston Lloyd Baird, Boston University Bud Baker, Wright State University John D. Bigelow, Boise State University Ralph R. Braithwaite, University of Hartford Julia Britt, California State University Tim Bothell, Brigham Young University David Cherrington, Brigham Young University John Collins, Syracuse University Kerri Crowne, TempleRead MoreStrategic Marketing Management337596 Words   |  1351 Pageschapter you should be able to: (a) define marketing in strategic terms; (b) understand the basic structure of the book and how this chapter establishes the context for what follows; (c) specify the characteristics of strategy and strategic decisions; (d) understand the nature of the debate about the future role of marketing and its contribution to management; (e) appreciate the changing emphases within marketing and the implications of these changes for the ways in which marketing strategies are developed

The Current Housing Crisis in Maryland Free Essays

Abstract The current housing crisis in Maryland has devastated much of the inner city of Baltimore and surrounding counties. The economic collapse of 2008 has left many Maryland residences unemployed or underemployed. The direct impact of the economic collapse has left homeowners wondering how they will pay their mortgages and keep food on the table. We will write a custom essay sample on The Current Housing Crisis in Maryland or any similar topic only for you Order Now Maryland homeowners have been struggling to make ends meet. Some of the issues that are being faced have to do with the predatory lending practices of some mortgage lenders. President Obama signed an agreement to bailout some banks in hope to spare families from losing their homes. Those hopes did not pan out well. There was another bailout of $25 billion dollars allotted in Feb 2012 to help homeowners and reduce mortgages to the principal home values. Thus far the mortgage industry has done as little as possible to hold up their end of that bargain. We need to get educated and hold these predatory lenders accountable. The Current Housing Crisis in Maryland By a show of hands, how many people are in a financially challenging situation with paying their mortgage? Do you know that you may very well be a victim of predatory lending practices? You may be asking yourself what is predatory lending. Some of us are familiar with the term. For those who are not, I will explain what a predatory lender is and the effect they have had on our communities. Predatory lenders and the tactics they use to originate loans with unsophisticated buyers are unfair. We now have predatory legal and rescue services popping up everywhere with the defense that they are here to help us. I intend to provide you with information to free legal services and information to assist in the fight to hold the mortgage lenders accountable for what they are doing. I am a Baltimore City resident who is upside down in my mortgage. I owe more on my home than it is worth in today’s market. I am currently in the fight to have my mortgage lender do what is right by lowering my principle home value to a fair market price. I currently owe double what my home is worth. Many of us are upside down, have high interest rates or are currently in foreclosure. We are looking for relief from the banks that don’t seem to care much about where our families will sleep once we lose our homes. We need to embarrass them for the way they are treating minorities and low-moderate income families. Predatory lending practices are a huge contributing factor in the current economic crisis. Many families lost income and the home values have been declining drastically. Saving our homes from foreclosure is the main focus of many families in Maryland. I intend on exposing predatory lending practices that homeowners may not be aware of. The lack of strong regulations in Maryland has allowed unscrupulous mortgage lenders to take advantage of unsophisticated homeowners. Predatory lending has had a devastating effect on individuals and families. The term â€Å"predatory lending† has been used to describe a broad range of loans that are not common in the prime market. These loans do not offer any benefit to the borrower. Some of the most common predatory practices are: †¢Excessive fees and points †¢Ignoring borrower’s ability to repay †¢Balloon payments †¢Interest only loans †¢Excessive interest rates †¢Concealing the true cost of the loan Federal regulators have warned banks that non-traditional mortgages such as interest-only loans may lead to a rash of defaults when the principal must be paid or interest rates increase. With such loans, the homeowners are not paying towards the principal on the loan, only the interest. Interest rate increases could have a devastating effect on the mortgage payment monthly. Adjustable rates have the same devastating effect on homeowners. The interest rate is not guaranteed and could fluctuate greatly on a per month basis. With adjustable mortgage loan terms homeowners have no clue on what the loan would eventually cost them. This lending practice is a â€Å"set up to fail† proposition. Underemployment and lack of employment has been the peripheral nail in the coffin for many Maryland families. Many families have lost at least one household income and a few have lost both incomes. Income loss combined with the volatile housing market has crushed the American Dream for many homeowners. People who were able to find work after economic crisis, had to take drastic pay cuts which were not adequate to support their current needs. With the economic downturn families are left to pay for homes they cannot afford. This crisis occurred when the mortgage bubble burst. Many homes were being sold for much more than their fair market value. Once the bubble burst the home value depreciation was steep and sharp. People lost 20-40% of the equity in their homes. Although there are many programs available to help homeowners, the majority of them are unable to help homeowners who are under water on the mortgage due to the lost equity in their homes. Some foreclosures are voluntary. When the bubble burst, homeowners found themselves owing 100,000s more than the homes were worth. Those homeowners decided that paying off the mortgage was indeed a bad deal. So they just walked away from the properties. The new dagger in homeowners back is the rise in property taxes. The city government needs money so they have raised the taxed values of homes to bring in more money regardless if the home values are decreasing. Homeowners are losing their homes because their mortgage payments did not include an escrow for homeowners insurance and taxes. Once a homeowner becomes delinquent on their property taxes, they have to pay the past due amount in addition to the current amount due. For the Maryland residence that find themselves in foreclosure, please seek assistance sooner than later. Maryland laws do not demand that you are notified of the Intent to foreclose. Within your originating loan documents you signed either a â€Å"power of sale† or â€Å"assent to decree† which essentially is an ex parte order to sell your property if you are in default. In addition, the predatory lenders make it impossible to become current again once the mortgage is in default. They can add servicing fees such as late fees, force placed insurance, inspection fees, etc. to make it difficult to bring the account current. We as homeowners have the right to stay in our homes. Homes we have cared for over the years. The banks should not have the right to evict us without improving the foreclosure process so we have better and earlier notice and the opportunity to redeem prior to significant costs being incurred. They should reduce the loan principle to the fair market value, adjust interest rates and reevaluate the financial situation of the homeowners. The mortgage industry did a disservice to many of the homeowners in the room. Many of us were uninformed about the repercussions and pitfalls involved with interest only, variable rates and balloon payment loans. Predatory lending practices contributed directly to the economic crisis of the mortgage industry in Maryland. I would like to provide information to several pro bono legal services and housing resources: Pro Bono Resources Center of Maryland. (410)837-9379 or toll free (800)396-1274 www. probonomd. org 1. Civil Justice, Inc. www. civiljusticenetwork. org 2. Public Justice Center (410) 625-9409 for tenants who landlords are in foreclosure 3. Community Law Center (410) 366-7777 www. communitylaw. org 4. Maryland Hope (877) 462-7555 www. mdhope. dhcd. maryland. gov 5. Foreclosure Proceedings in Maryland (Brochure): http://www. msba. org/departments/commpubl/publications/brochures/foreclosure. htm There has been an ongoing investigation into the banking fraud and predatory lending scandal. President Obama signed another bailout of $25 billion dollars in Feb 2012 to help homeowners and reduce principle mortgage values. The bailout involved Bank of America, Citigroup, Wells Fargo, Ally Financial and JPMorgan Chase. Freddie Mac and Fannie Mae have yet to come on board however they do offer some homeowner assistance with modification of term and underwater loans. Many look at the bailout as another opportunity to reward the banks for the wrong doing they have done to the citizens and many communities. I was able to look at the bigger picture. This is a way to monitor how many loans are modified and how many principle values are reduced. By providing the bailout this time around there were defined stipulations as to what the funds are to be used for. North Carolina’s Banking Commissioner Joseph Smith will serve as the â€Å"independent monitor† to enforce the deals and their terms. The bailout does very little for the people who have already lost their homes. They are eligible to receive up to $2000. How to cite The Current Housing Crisis in Maryland, Papers

Corporate Management to Blog Visibility †Free Samples to Students

Question: Discuss about the Corporate Management to Blog Visibility. Answer: Introduction: The international hotel and hospitality brand, Marriot International, is one of the most prestigious and most desirable brands all around the world. When travelers put more emphasis on enhancing their personal experience within their stay in the hotels, they chose the brand over others. Marriot itself is a premium brand that provides a vast numbers of choices for the clients from all around the world for leisure and business travel (Wong Wickham, 2015). Marriot has been famous for delivering an unmatched guest experience at different global destinations. The organization is now providing a vast array of services to its clients which signify the enduring commitment of the organization of offering a greater service. Marriot has been considered to be the second valuable hotel brands all over the world in a recent survey. The brand value of the Marriot brand is considered to be 5.32 USDM in the year 2016 (Huang Cai, 2015). The Marriot International has more value than most favorable br ands in the world as the organization has been able to create an out of the world experience for the clients. Considering the scale of luxury hotels and brands, the Marriot International is capable of managing the high end luxury portfolio which has already been developed. The Marriot also does not have the value conferring equity, as the hotel brand itself is a luxury brand which is mostly known for the functional brands, mid tier suits etc (Liu et al., 2017). It is also one of the economic business travel brands all over the world. As far as the Marriott- W hotel Hong Kong is considered, this property sits at one of the higher places within the brand. There are three strata in the brand value recognition, invisible, mixed and pure (Lee, Oh Hsu, 2017). The invisible stratum is the one where the hospitality organizations are holding the developed brand position yet they are entirely autonomous. The Marriott- W hotel Hong Kong certainly does not include in this sector as it seems to unappealing as it seems to be compromised as most of the independent luxury brands are to be included here. Th e mixed stratum is mostly the set of the sub brands or the less endorsed brands; however the Marriott- W hotel Hong Kong is not even a part of this stratum as well. However, the within the pure brands, the endorsed or the pure brands are included. Marriott- W hotel Hong Kong is a part of this stratum which signifies that the hotel has all the functional segments which can build the brand in the international market. It stands within a diversified portfolio across a wide range of price points. The target market is the set of individuals or a group of sub-segments within the market place where the organization tends to identify its primary client base. There are several methods of segmenting the client base. For instance, any organization may want to segregate its customer base on the basis of its geographic locations such as cities, media markets or neighborhoods. The organization can also segment its client base on the basis of the demographic division which considers the education, cultures, race, age, income of the clients (Wong Wickham, 2015). Each of the target market has been designed considering the services and products in a method that meets the primary requirements of the client base. The brand, Marriot International is a luxury brand which designs its target market who seeks a luxurious and quiet place while they are staying the hotel. These customers mostly belong to the high income groups who are mostly in their 30s and they mostly tend to travel for their bu siness purposes. Moreover these customers are sophisticated, individualistic and usually self-defined who tend to spend a good amount of money while they are travelling for any business purpose. Therefore the Marriot hotels all over the world are providing an elegant and simple atmosphere for the clients that make them feel comfortable and leisured as much as possible without any kind of disruption or distraction (Lee, Oh Hsu, 2017). This brand is mostly for the travelers who want to travel in luxury. Marriott- W hotel Hong Kong is also one of the Marriott hotels that provide a comfortable stay for the clients. The deluxe rooms with city views are entirely blended with technologies including Wi-Fi, large TVs and marble bathrooms. The customers can enjoy the Hong Kong city skyline, the mountains from their rooms (Marriott, 2017). There are also additional perks such as outdoor pools, gym and the exquisite dining experience. Therefore the Marriott- W hotel Hong Kong meets all the qua lities to meet the target client base of the Marriot hotels. Reference list and Bibliography Dennis, A. R., Minas, R. K., Lockwood, N. S. (2016). Mapping the corporate blogosphere: linking audience, content, and management to blog visibility. Journal of the Association for Information Systems, 17(3), 162. Huang, Z. J., Cai, L. A. (2015). Modeling consumer-based brand equity for multinational hotel brandsWhen hosts become guests. Tourism Management,46, 431-443. Lee, S., Oh, H., Hsu, C. H. (2017). Country-of-operation and brand images: evidence from the Chinese hotel industry.International Journal of Contemporary Hospitality Management,29(7). Liu, M. T., Wong, I. A., Tseng, T. H., Chang, A. W. Y., Phau, I. (2017). Applying consumer-based brand equity in luxury hotel branding.Journal of Business Research. Marriott. (2017). Marriott.com. Retrieved 26 August 2017, from https://www.marriott.com Wong, T., Wickham, M. (2015). An examination of Marriott's entry into the Chinese hospitality industry: A Brand Equity perspective. Tourism Management,48, 439-454.