Brainstorming Assignment

English Language Learners (hereafter referred to as ELLs) currently comprise 10% of the total school population in the United States (National Center for Education Statistics, 2005). It is a population that is going to continue to increase in American public education and their specific needs for learning literacy are of great importance to teachers. Since schools and teachers are increasingly judged based upon the academic achievement of students, then the success of the growing population of ELLs is going to be increasingly important. In the present paper the role of the teacher and specific research-based literacy strategies for ELLs is investigated.

Schaefer points out that “African American Latinos, and other fall victims to relining or the pattern of discrimination against people trying to buy homes on minority and racially changing neighborhoods” (2015, p. 68). The labeling theory explains that redlining occurs to ‘help’ real estate agencies steer away potential homebuyers into the “right” neighborhood and prevent selling and buying from the “wrong” race” (Schaefer 2015). Hispanics and Black Americans are often subjected into stereotypical standards and in result, are rejected from residing in economically better neighborhoods.

The housing crisis in the late 2000’s was created in part from subprime loans that lenders gave to individuals that did not have to provide proof of income that they could afford the house. This was a disaster likely to repeat itself. If a person is hoping to buy a home, they will buy whatever the lender allows them to purchase even though it could be a financial stretch. Lenders, builders, sellers, appraisers, buyers, owners, and governmental policy makers are all still gambling with the economic future of both their buyers and the American economy as a whole.

Being as equally as important as math, English was also the primary focus of Common Core, particularly the English Language Development curriculum. A new program was made that affected English language learners significantly. Those new to our country and do not speak English need to learn English in order to pass school, however learning a new language is not easy and cannot be rushed. A standard language course in high school takes four years in order to hopefully become fluent, however after one year, English language learners are expected to take their first English standardized test. Over a two-week period, they are given a series of standardized tests for reading, writing, listening, and speaking. In addition, teaching conversational English

The mortgage lenders were extremely greedy, they offered undocumented immigrants as well as citizens the high-risk loans. These immigrants were not in a place where they could take any type of loans or be in debt with any corporation. However, the mortgage loans were easy to obtain so they give in. If anyone of these subprime borrowers didn’t sign the loan, they would have felt like they missed out an opportunity to own a house. They didn’t take into consideration the adjustable interest but the interest only loans was more enticing.

Promoting home ownership has been a public policy goal of the U.S Federal Government for decades. U.S housing policies carried out by government entities aim to facilitate growth in home ownership rates. In 2012, the federal government spent $270 billion to help Americans buy or rent homes (Fischer & Sard 2013). However, it has been argued that government housing polices have had an insignificant impact on stimulating rates in home ownership. U.S Census Bureau recently reported that home ownership rate decline to a 20 year low in 2014 (Gupta 2014). In order to determine the effectiveness of government housing policy on home ownership rates, we examined the impact of a number of government policies designed to improve

In 2001, the United States endured a short unexpected decline in the economy. With the terrorist attack at 9/11 and accounting scandals, a decline in the U.S economy was an obsession in the minds of the American people. However, in order to keep things at peace, the Federal Reserve determined that they will lower the Federal funds 11 times. The rate was then lowered from 6.5% to 1.75% in a matter of one year. This allowed bankers the power to award more borrowers with loans even if they had no job, income, or even assets. Even with no way of obtaining any income the dream of buying a home became a reality. It wasn’t long before everything became way cheaper.

As American as apple pie, home ownership is a quintessential part of many American’s dream. Making this dream a reality requires hard work, perseverance, and an understanding of the housing market and loan options. It also requires a confidence in the economy and job market that many people justifiably do not have after a devastating housing crash. However, as our nation recovers from this crisis, we look ahead to new opportunities and safe loan standards for home ownership. “Like a boomerang,” a Sarasota Herald Tribune article describes “…recession-battered [boomerang buyers] are reentering the home market in droves after years of renting, nursing their credit and saving enough to buy again” (Salman). Both boomerang buyers and first time

This assignment was definitely fun to brainstorm and create. I am going to start off with the boys first. One of my favorites is, the farm-raised country boys. They drive big trucks, go hunting, and say " yee-yee." I wouldn't say they are dumb or unintelligent, but sometimes whenever I have a conversation with them I lose a few brain cells. My school also has a fair share of the jock boys. They are the classic few who post the "rise and grind" gym selfies every day. Lastly, the few and the rare, the intellectuals. They are truly a rare sighting at Watonga High School. Not only are they greatly appreciated by the staff, but also me as they are great to have a conversation with.

Ryan Rybicki Composition 2 Mrs. Elmeer 04/18/17 Crisis in Immagration As President Donald J Trump attempts to put his immigration plan many questions come off if it is moral or if it will be effective for the money he looks to spend. Politics have been always a very controversial topic and in today’s world, it seems like it is almost impossible to find common ground. But with all that aside, there is always a way to find common ground and through President Trump's immigration plan he will have to and will by building a wall in places where drug trafficking his hot, deporting illegal immigrants who have committed violent crimes, and creating a policy that is very effective in giving citizenship to immigrants who are in good standing. As President

Today many households are still attempting to overcome the economic decline. Within this period of time many lost their sense of financial stability and as though that was not enough, the landslide continued unto their home itself. The home that they had saved and struggled for, now swept out from under them, in the economic decline. As time continues, these citizens are now beginning to “get back on their feet,” but are not yet ready to own a home at this time. Luckily, there are many other options for these households to explore, for example renting, leasing, or rent- to-own, allowing the privacy and safety of their own space, without having to foot a mortgage.

Adequate shelter is one of the most basic human necessities to maintaining a reasonable standard of living; however, I would argue that most people prefer housing that is not only survivable, but also comfortable and livable. This need to own a comfortable home was satiated a few years ago as housing prices fell drastically and interest rates on loans declined as well. It truly was a buyer’s market at least until people started to purchase houses they would ordinarily never have been able to, taking out loans with increasingly lower interest rates, but being unable to pay for those loans for a very long time. As the bubble of interest rates and housing prices finally collapsed, some of the unfortunate people who had purchased houses they could not afford found themselves losing their homes as collateral for the monumental loans taken by the homeowners. Thus, as this buyer’s market is slowly starting to emerge again with good housing prices and low interest rates, potential homeowners must be wary of the fate of those who came before them. One option, the “rent-to-own” option is one way that future homeowners can more safely transition into taking a mortgage to own a home.

Immigration is a social problem in the United States Of America because a social problem is a (Some aspect of society (an objective condition) that large numbers of people are concerned about and would like changed (subjective concerns). And immigration is a big problem and a lot of people not just certain people are concerned about it. Trump will give the order for the construction of the wall along the US southern border. The Mexicans were supposed to pay for the wall but they won't so we will have to pay 14 billion dollars to build the wall. Even though there is already wire and fencing on the border. The biggest immigration crisis facing the country has nothing to do with the Mexicans illegally crossing the border. Instead, that hundreds of thousands of Central Americans are fleeing violence and poverty in their home countries.

Transit-oriented development (TOD) is a mixed-use residential or commercial area intended to maximize access to public transportation. Such neighborhoods often consist of a center with a public transit station, bounded by high-density growth with gradually lower-density development spreading outward from the center. TODs or transit zones are typically located within a radius of one-half mile from a transit station, as this is generally considered a reasonable walking distance for pedestrians. However, geographic proximity alone does not make development transit oriented. Indeed, many developments can be said to be transit adjacent (i.e. within close physical proximity to transit) but not necessarily designed to promote access and use. On contrary, TOD creates a thrilling community centered on transit access and reduced automobile dependence. As such, a pedestrian-friendly environment is critical to TOD, but is not essential to transit adjacent development.

The Chicago Public Schools district, in which I work, offers a program for English Language learners with the goal to help students become proficient in the English language. In Chicago Public School there are about 70, 400 students who in 2015 were identified as being English Language Learners. According to Chicago Public Schools, English Language Learners have a right to participate in an educational program for English Learners.