Santa Barbara County

Real estate prices will not rebound any time soon. Housing is cyclical and we had a tremendous 8 year cycle which produced 150% appreciation between 1997 and 2005. This cycle was extended past its natural course through unprecedented low mortgage rates which bottomed at 4% for "variable" rates that were fixed for 3 or 5 years. Also contributing to the boom were loosened lending rules such as "interest only" loans which keep the payments artificially low and "stated income" loans which bypass income

Avocados Agriculture 101.03 November 16th, 2016 Natalie Aghazarian Corrina Middlebrook Brenda Gonzalez California State Polytechnic University History of the Avocado Native California Avocados The avocado, also known as Persea Americana, is a tree that is native to Mexico and America and has an extensive history. Originating as early as 7,000 and 5,000 B.C in south-central Mexico, it would take several thousand years before avocados became native in America. According

COUNTY OF VENTURA CAFR ANALYSIS PA615 – Public Financial Management Instructor, All Holliman California State University, San Bernardino Carrie Harmon, Scott Perkins, Dana Cano, Veronica Pinkett-Veal, Lydia Khalil, Holly Benton June 10, 2010 Contents Executive Summary 2 Cover, Table of Contents and Formatting 3 Introduction 3 Independent Auditor’s Report 5 Management’s Discussion and Analysis 6 Basic Financial Statements 6 Government-wide Financial Statements 7 Fund Financial

The ownership of a firearm should not be illegal when most gun owners are law-abiding citizens who use guns in a responsible manner. Our country’s founding fathers ratified the second amendment as a part of our Constitution in order to protect citizen’s right to bear arms and to be prepared for foreign invasion. However, currently the views on gun ownership are beginning to differ even more in urban and rural communities across America because of how each society is individually affected by the use

break into homes and rob them. This evil person was haunting the citizens of Los Angeles and other counties in California for over fourteen months. Richard Ramirez was born Ricardo Leyva Munoz Ramirez. His date of birth was February 20, 1960. He was born in El Paso Texas and his parents were called Julian and Mercedes Ramirez. They were both Mexican immigrants and his father worked for the Santa Fe Railroad and his mother worked at Tony Llama Boot Factory where she mixed chemicals for the boot

Affirmative Action is Reverse Discrimination Even though slavery has not been a part of America for over a century now, racial discrimination still exists in various parts of our culture. A controversial policy known as affirmative action was introduced in the 1960's to try and promote racial equality in society. Affirmative action is supposed to give minorities an equal chance in life by requiring minority employment, promotions, college acceptance, etc. At first this sounds like a perfect

Brown vs. Board of Education of Topeka For much of the ninety years preceding the Brown case, race relations in the U.S. had been dominated by racial segregation. This policy had been endorsed in 1896 by the United States Supreme Court case of Plessy v. Ferguson, which held that as long as the separate facilities for the separate races were "equal," segregation did not violate the Fourteenth Amendment ("no State shall... deny to any person... the equal protection of the laws.") In the

force which was established in 1829. The rule of law existed in the thirteenth century England. Maintenance of order, police abuse, and the rule of law also existed in the thirteenth-century England. There are many different types of agencies like county sheriff, city police, FBI highway patrol and more.FBI is more for a higher rank and they get paid more than just a regular city police. Recruiting better qualified people to serve as police .Each of these different types of authorities have their

With the global wine industry expected to generate almost $292 billion in 2014, Wine production and its supply chain are no doubt big business. The supply chain involved from a growing grape to an uncorked bottle is one that involves many intricate details. Because of the popularity of wine, grapes are in fact the largest fruit crop on Earth. But that is not indicative of the complex and interlacing processes that are necessary to grow the proper grape for wine production. Proper weather conditions

The tar creek mining site originally was owned by a Native American tribe, the Quapaw. The Quapaw wanted to keep these lands, but the Bureau of Indian Affairs deemed members opposing a transaction to mining companies “incompetent” (1). In such a case the business could continue and the Bureau of Indian Affairs sold the lands to mining companies. In essence these lands were stolen from the Quapaw because they were ripe for mining. These mines were then used from approximately 1891 to 1970. In the