Overseas Territories of the United Kingdom

The United Kingdom (UK) is an island nation located in Western Europe. It has a long history of worldwide exploration and it is known for its historic colonies around the world. The UKs mainland consists of the island of Great Britain (England, Scotland,  and Wales) and Northern Ireland. In addition, there are 14 overseas territories of Britain that are remnants of former British colonies. These territories are not officially a part of the UK, as most are self-governing (but they do remain under its jurisdiction). List of British Territories The following is a list of the 14 British Overseas Territories arranged by land area. For reference, their populations and capital cities have also been included. 1. British Antarctic Territory Area: 660,000 square miles (1,709,400 sq km) Population: No permanent population Capital: Rothera 2. Falkland Islands Area: 4,700 square miles (12,173 sq km) Population: 2,955 (2006 estimate) Capital: Stanley 3. South Sandwich and the South Georgia Islands Area: 1,570 square miles (4,066 sq km) Population: 30 (2006 estimate) Capital: King Edward Point 4. Turks and Caicos Islands Area: 166 square miles (430 sq km) Population: 32,000 (2006 estimate) Capital: Cockburn Town 5. Saint Helena, Saint Ascension, and Tristan da Cunha Area: 162 square miles (420 sq km) Population: 5,661 (2008 estimate) Capital: Jamestown 6. Cayman Islands Area: 100 square miles (259 sq km) Population: 54,878 (2010 estimate) Capital: George Town 7. Sovereign Base Areas of Akrotiri and Dhekelia Area: 98 square miles (255 sq km) Population: 14,000 (date unknown) Capital: Episkopi Cantonment 8. The British Virgin Islands Area: 59 square miles (153 sq km) Population: 27,000 (2005 estimate) Capital: Road Town 9. Anguilla Area: 56.4 square miles (146 sq km) Population: 13,600 (2006 estimate) Capital: The Valley 10. Montserrat Area: 39 square miles (101 sq km) Population: 4,655 (2006 estimate) Capital: Plymouth (abandoned); Brades (center of government today) 11. Bermuda Area: 20.8 square miles (54 sq km) Population: 64,000 (2007 estimate) Capital: Hamilton 12. British Indian Ocean Territory Area: 18 square miles (46 sq km) Population: 4,000 (date unknown) Capital: Diego Garcia 13. Pitcairn Islands Area: 17 square miles (45 sq km) Population: 51 (2008 estimate) Capital: Adamstown 14. Gibraltar Area: 2.5 square miles (6.5 sq km) Population: 28,800 (2005 estimate) Capital: Gibraltar

My Life With A Single Parent - 854 Words

Growing up with a single parent wasn’t very different then growing up with two. My mom did the best she could. When I was in third (3) grade, she went back to school full time while working full time, and juggling the responsibility of having three (3) daughters. Having a single parent; we seemed to move around a lot. My mother always made the best in everything. Growing up with two sisters we didn’t always have brand new items or updated systems. We shopped at the thrift stores or the DMV. With my mom working a full time job and going to school at night we would have babysitters during the week. Sometimes, I remember if I was good she would take me to class with her. My father is a completely different story. He wasn’t horrible, but he also wasn’t the greatest. He was at least somewhat in my life. My parents never married; which made it a little more difficult. They would say; too many differences. When I was a baby he was always there. It seemed as I got older he was around less and less. I remember when I was 7; he told me he would pick me up for the night. After dance class I waited at my grandmas, outside, for 5 hours. It happened multiple times; where he would promise something and then not following through with it. I would never tell him how I felt; I would always forgive him. That’s what we’re told; forgive and forget, right? I used to hide in my closet behind my clothes and cry. Every time. I just felt like he didn’t love me. That’s when I officially turned to God.Show MoreRelatedMy Life After A Single Parent Home960 Words   |  4 Pages My Life I grow up in a small town in Lindsay California. I was born in the Lindsay Hospital in 1988. I had many challenges, growing up in a single parent home, but I make me the person I am today. I don’t think my parent action had anything to do with my decisions or what way of life I chose. 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Life caused me to have a single mother that has made me the strong person that I am today. Watching my mother live from pay check to pay check when I was young was difficult. It was always hard for my mom to keep up with other parents but, sheRead MoreExceptional Hardships, Challenges, Or Opportunities Make1049 Words   |  5 Pagesmake me think of about a million things that have happened throughout my short twenty-one years of life. In today’s society, it is very common for a child to grow up in a home where one of the parents is absent. In most cases, it is usually the father that is not present, particularly in African American homes. â€Å"In the United States today, 16,334,000 children under age 18 live in single mother homes,† (Fluty 4). Single parent homes affect children psychology producing negative effects on the child’sRead MoreHow School And Education Affects The Lives Of African American Males And Females1650 Words   |  7 PagesAmerican males and females living in single parent households. Parents tend to become less involved in the childs academics and social activities in school from the stress of being a single parent and having so much responsibility on them. It seemingly gets worse by the time the child reaches high school. One survey asked high school students whether their parents helped them with their school work and supervised their social activities. Students whose parents separated between the sophomore and seniorRead MoreArgument On Single Parents1347 Words   |  6 PagesDecember 2017 Single Parent Children who grew up in a single parent family have been looked at differently. 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Famine, Affluence, and Morality free essay sample

By drowning, I mean those who are suffering help people. A few of the counter-arguments that Singer addresses are: One, that he government will be less likely to take responsibility because private organizations are organizing relief funds. Giving privately allows the government to escape their responsibilities of supplying aid. Singer does not believe that this assumption is plausible. He states: I do not, of course, want to dispute the contention that governments of affluent nations should be giving many times the amount of genuine, no-strings-attached aid that they are giving now. I agree, too, that giving privately is not enough, and that we ought to be campaigning actively for entirely new standards or both public and private contributions to famine relief. Indeed, I would sympathize with someone who thought that campaigning was more important than giving one- self, although I doubt whether preaching what one does not practice would be very effective. Unfortunately, for many people the idea that its the governments responsibility is a reason for not giving which does not appear to entail any political action either. Two, until there is an effective population control, relieving famine will postpone starvation. If we relieve suffering that is happening in the now, the future may end p suffering instead. The best means of preventing famine is population control. However, there are organizations who work specifically with population control. Therefore, this counter-argument is not sufficient enough to allow us to stand in the background. The third counter-argument would be how much we should be giving away. Should we be giving away more that would cause suffering to ourselves? Earlier in Singers article, he suggests that if everybody in his situation could donate E5, then nobody would be obligated to give more. He does not suggest that we give until we each the level marginal utility- the level at which by giving more, would cause as much suffering to ourselves or our dependents. Singers concept of marginal utility relates to his argument by explaining and understanding that there are some people who cannot afford to support relief funds. He simply states if everyone in circumstances like mine. This means that not everybody will be in the same circumstance to provide funds for relief. Duty and charity, according to Singer, should be redrawn or abolished. Doing good by giving money away is not considered charitable by Singer, but it is doing ood. We should refrain from buying clothes for fashion if we have old clothes that are suitable to keep us warm and give the money away instead. He says, We would not be sacrificing anything significant if we were to continue to wear our old clothes, and give the money to famine relief. By doing so, we would be preventing another person from starving. I t follows from what I have said earlier that we ought to give money away, rather than spend it on clothes which we do not need to keep us warm. This act is not considered charitable to Singer either. Our society, however, sees hese act as charitable because it is a voluntary donation. Personally, I do not completely disagree with Singers views but, I do not completely agree with them either. Jan Narveson (2004) wrote in her article Is World Poverty a Moral Problem for the Wealthy? That she does not think we owe the poor anything special. People may benefit for charities, but we should not be looked at as not the responsibility of another countrys government to take care of a poor country. It is the same as I do not think the wealthy should have to pay more taxes than the poor. We all start from somewhere and some millionaires and billionaires had to start from the bottom as well. We all work hard for the salaries we earn. On the other hand, I think that charities are used for a good cause that benefit others rather than ourselves. Singer definitely had some points that if we all give a little, the world may be a better place. Narveson also wrote in another article Welfare and Wealth, Poverty and Justice in Todays World (2004), each of us could do vastly more than we do to the needy. That we do not is a serious moral failing. This is completely true and upports Singers views as well. However, her statement is far more accurate in what we could do, rather than what we should do. My view would fall under deontological ethics. Mosser (2010) states that deontological ethics focuses on the will of the person carrying out the act in question, his or her intention in carrying it out, and, particularly, the rule according to which the act is carried out. For me this means that there could be different outcomes for Singers argument and that every aspect should be looked at. It doesnt make his view right or wrong, but it doesnt make the iews that counter his right or wrong either. Peter Singers article Famine, Affluence, and Morality, was written to convince people that our decisions and actions can prevent other countries from suffering. He suggests that people should do what is morally right by contributing financially to aid those who are starving, rather than purchasing wants for those who can afford it. Singer argues his position, provides counter-arguments, and explains his concepts for aiding countries in need. My views are not against Singers position, but they are not for his position either. References Mosser, K. 2010).

Tennessee Williams (1911 1983) Essays - English-language Films

Tennessee Williams (1911 ? 1983) Thomas Lanier Williams was born on March 26, 1911 in Columbus, Mississippi. The second of three children, his family life was full of tension. His parents, a shoe salesman and the daughter of a minister, often engaged in violent arguments that frightened his sister Rose. In 1927, Williams got his first taste of literary fame when he took third place in a national essay contest sponsored by The Smart Set magazine. In 1929, he was admitted to the University of Missouri where he saw a production of Henrik Ibsen's Ghosts and decided to become a playwright. But his degree was interrupted when his father forced him to withdraw from college and work at the International Shoe Company. There he worked with a young man named Stanley Kowalski who would later resurface as a character in A Streetcar Named Desire. Eventually, Tom returned to school. In 1937, he had two of his plays (Candles to the Sun and The Fugitive Kind) produced by Mummers of St. Louis, and in 1938, he graduated from the University of Iowa. After failing to find work in Chicago, he moved to New Orleans and changed his name from Tom to Tennessee which was the state of his father's birth. In 1939, the young playwright received a $1,000 Rockefeller Grant, and a year later, Battle of Angels was produced in Boston. In 1944, what many consider to be his best play, The Glass Menagerie, had a very successful run in Chicago and a year later burst its way onto Broadway. The play tells the story of Tom, his disabled sister, Laura, and their controlling mother Amanda who tries to make a match between Laura and the gentleman caller. Many people believe that Tennessee used his own familial relationships as inspiration for the play. His own mother, who is often compared to the controlling Amanda, allowed doctors to perform a frontal lobotomy on Tennessee's sister Rose, an event that greatly disturbed Williams who cared for Rose throughout much of her adult life. Elia Kazan (who directed many of Williams' greatests successes) said of Tennessee: Everything in his life is in his plays, and everything in his plays is in his life. The Glass Menagerie won the New York Drama Critics' Cir cle Award for best play of the season. Williams followed up his first major critical success with several other Broadway hits including such plays as A Streetcar Named Desire, Summer and Smoke, A Rose Tattoo, and Camino Real. He received his first Pulitzer Prize in 1948 for A Streetcar Named Desire, and reached an even larger world-wide audience in 1950 and 1951 when The Glass Menagerie and A Streetcar Named Desire were made into major motion pictures. Later plays which were also made into motion pictures include Cat on a Hot Tin Roof (for which he earned a second Pulitzer Prize in 1955), Orpheus Descending, and Night of the Iguana. Tennessee Williams met and fell in love with Frank Merlo in 1947 while living in New Orleans. Merlo, a second generation Sicilian American who had served in the U.S. Navy in World War II, was a steadying influence in Williams' chaotic life. But in 1961, Merlo died of Lung Cancer and the playwright went into a deep depression that lasted for ten years. In fact, Williams struggled with depression throughout most of his life and lived with the constant fear that he would go insane as did his sister Rose. For much of this period, he battled addictions to prescription drugs and alcohol. On February 24, 1983, Tennessee Williams choked to death on a bottle cap at his New York City residence at the Hotel Elysee. He is buried in St. Louis, Missouri. In addition to twenty-five full length plays, Williams produced dozens of short plays and screenplays, two novels, a novella, sixty short stories, over one-hundred poems and an autobiography. Among his many awards, he won two Pulitzer Prizes and four New York Drama Critics' Circle Awards.

Was he Sane Essay Example For Students

Was he Sane? Essay ELA 12. 30.1March 23, 2004One of the most difficult questions to answer in William Shakespeares play, Hamlet, is; was Prince Hamlet truly mad, or was he just putting on an antic-disposition(I.v.173) Hamlets behavior is frequently changes throughout the course of the play and it makes it hard to distinguish his true nature. However after an in-depth analysis of Hamlets words and actions, prove for both his sanity and madness is evident. Proof toward Hamlets madness first becomes evident in the beginning of the play when Hamlet, upon hearing the truth of his fathers death, began speaking wild and whirling words,(I.v.134) to Horatio and Marcellus. This is significant because Hamlet, usually, is calm, focused, and takes time to think things over, but instead is ranting on about, literally, nothing. Also Horatio pleads to Hamlet not to follow the Ghost, Horatio believes that the ghost cannot be trusted because it may assume some other horrible form, / Which might deprive Hamlets sovereignty of reason / And draw Hamlet into madness (I.iv.72-74) Horatio also believes that spirit could lure Hamlet to the edge of a cliff, where the sight of the depth so many fathoms to the sea,(I.iv.77) would Hamlet fall. This is also significant because Hamlet again does not think about the consequences of his actions, instead he rather risk everything just to find out meaning of the ghost being clothed in his fathers battle uniform, again showing that Hamlet is outside himself. His sarcastic comment, O, wonderful,(I.v.119) also shows that Hamlet is in madness because Hamlet should be furious about what he has been told, but instead he seems happy. How can Hamlet be calm after hearing that his own uncle murdered his father? Its because Hamlet is unable to take control over his actions because what he has heard is unbearable. However not only Horatio and Marcellus think Hamlet is mad, Ophelia and Polonius both believe that Hamlet is Mad for Ophelias love? (II.i.886). They think this because Hamlet came into Ophelias chamber with his doublet all unbracedand pale as his shirt (II.i.79-82). This is, again, not like Hamlet at all; his behavior has been changing constantly, ever since he spoke with the ghost, and now Hamlet seems to have become even deeper into madness because Ophelia, on her fathers orders, wont see him anymore. Hamlet should be thinking out a plan to avenge his fathers death, not work out issues about hi m and Ophelia. However Hamlet shows true madness when he kills Polonius in his mothers chamber. We will write a custom essay on Was he Sane? specifically for you for only $16.38 $13.9/page Order now Hamlet acted solemnly on impulse when he killed Polonius, and only madmen act on impulse rather than their conscience. He didnt even make an attempt to ask who it was, he just stabbed thinking it might be Claudius because he believed that only Claudius would hide in his mothers chamber. Also when Gertrude asks, what hast thou done,(III.iv.27) Hamlet responds with Nay, I know not.(III.iv.28) This again shows that Hamlet did not know what he was doing when he stabbed through the arras, Hamlet, for the moment was being ruled by his emotions, rather than his conscience, and his emotions overwhelmed him, and therefore if he was not in control of his actions he must be mad. Moreover, after Hamlet kills Polonius the ghost of Hamlets father appears and only he can see him. Hamlet then says to his father to save me, and hover oer me with his wings (III.iv.105), which Gertrude replies, alas, hes mad,(III.iv.107), because she can not believe that Hamlet bends his eye on vacancy(III.iv.119). Thi s is very strange because Horatio and Marcellus were able to see the ghost in the beginning of act one, when they were by themselves, and then when Hamlet was around at the end of act one. But now only Hamlet can see him, this clearly shows that Hamlet, at this time, was mad. However, even thought the evidence towards madness is quite strong the evidence towards his sanity is even stronger. Hamlet, despite his frequent loss of control of his self, is in fact sane. In the beginning of the play Hamlet told Horatio that he was going to fake everything and if anything that Horatio sees is strange or erratic it is because Hamlet is putting an antic disposition on(I.v.173). Hamlet does this so that he would not alert Claudius, and others, of his plan to avenge his father; this tells us that from now on that whatever Hamlet does, he does in a conscientious state. Moreover Hamlets portrays himself as mad only when he is in the presence of certain people. When Hamlet is around Polonius he in sults him with decisive comments that are to pregnant,(II.ii.207) for Polonius to comprehend. To Ophelia, he portrays to be madly in love with her and that she should get thee to a nunnery,(III.i.121) for Hamlet does not want Ophelia to be in harms way because of what his course is. This shows that Hamlet is sane because he is still showing compassion and love towards other characters. However, when Hamlet is around Horatio he behaves normally, and tells him his deepest thoughts and plans; showing that he has trust in certain people, not something a madman would have. I am but mad north-north-west: when the wind is southerly I know a hawk from a handsaw, (II.ii.376-377) this shows that Hamlet still knows who is enemies are and that he can be mad when he wants to be showing he is in control of himself. Hamlet also contemplates considerably on many issues especially about life and death. In Hamlets soliloquy to be or not to be,(III.i.57-91) Hamlet reflects upon committing suicide as a nswer to getting rid all of this pain and misery, but the dread of something after death,(III.i.79) holds him back. This shows that Hamlet is not in madness but instead he is in turmoil, and he does not know what he should do. Hamlet also tells his mother that he is not in madness, but mad in craft,(III.iv.189-190) after he killed Polonius, this shows that Hamlet fell into madness for a slight moment but then came back in control. Hamlet again considers about killing Claudius when he is praying, but comes to the conclusion that this is not the right time. .u10e5d07cb68b919e12b7e0714a1dee78 , .u10e5d07cb68b919e12b7e0714a1dee78 .postImageUrl , .u10e5d07cb68b919e12b7e0714a1dee78 .centered-text-area { min-height: 80px; position: relative; } .u10e5d07cb68b919e12b7e0714a1dee78 , .u10e5d07cb68b919e12b7e0714a1dee78:hover , .u10e5d07cb68b919e12b7e0714a1dee78:visited , .u10e5d07cb68b919e12b7e0714a1dee78:active { border:0!important; } .u10e5d07cb68b919e12b7e0714a1dee78 .clearfix:after { content: ""; display: table; clear: both; } .u10e5d07cb68b919e12b7e0714a1dee78 { display: block; transition: background-color 250ms; webkit-transition: background-color 250ms; width: 100%; opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #95A5A6; } .u10e5d07cb68b919e12b7e0714a1dee78:active , .u10e5d07cb68b919e12b7e0714a1dee78:hover { opacity: 1; transition: opacity 250ms; webkit-transition: opacity 250ms; background-color: #2C3E50; } .u10e5d07cb68b919e12b7e0714a1dee78 .centered-text-area { width: 100%; position: relative ; } .u10e5d07cb68b919e12b7e0714a1dee78 .ctaText { border-bottom: 0 solid #fff; color: #2980B9; font-size: 16px; font-weight: bold; margin: 0; padding: 0; text-decoration: underline; } .u10e5d07cb68b919e12b7e0714a1dee78 .postTitle { color: #FFFFFF; font-size: 16px; font-weight: 600; margin: 0; padding: 0; width: 100%; } .u10e5d07cb68b919e12b7e0714a1dee78 .ctaButton { background-color: #7F8C8D!important; color: #2980B9; border: none; border-radius: 3px; box-shadow: none; font-size: 14px; font-weight: bold; line-height: 26px; moz-border-radius: 3px; text-align: center; text-decoration: none; text-shadow: none; width: 80px; min-height: 80px; background: url(https://artscolumbia.org/wp-content/plugins/intelly-related-posts/assets/images/simple-arrow.png)no-repeat; position: absolute; right: 0; top: 0; } .u10e5d07cb68b919e12b7e0714a1dee78:hover .ctaButton { background-color: #34495E!important; } .u10e5d07cb68b919e12b7e0714a1dee78 .centered-text { display: table; height: 80px; padding-left : 18px; top: 0; } .u10e5d07cb68b919e12b7e0714a1dee78 .u10e5d07cb68b919e12b7e0714a1dee78-content { display: table-cell; margin: 0; padding: 0; padding-right: 108px; position: relative; vertical-align: middle; width: 100%; } .u10e5d07cb68b919e12b7e0714a1dee78:after { content: ""; display: block; clear: both; } READ: Atomic Bomb EssayHamlet after the play Hamlet knew for sure that Claudius killed his father and had grounds(II.ii.601) to commit this. Hamlet then was given a perfect opportunity to kill Claudius when he has praying. Now I might do itand so he goes to heaventhat would be scanned,(III.iii.74-76) Hamlet does not want Claudius to go to heaven he wants him to go to hell. Hamlets father is in a prison house,(I.v.14) because he could not clear himself of all his sins, and now he is unable to go to heaven. Hamlet says no,(III.iii.89) because he will wait for to commit a more horrid hent,(III.iii.89) before he kills Claudius. This is significant to prove Hamlets madness because it shows that Hamlet is still thinking conscientiously and not out of rage or impulse. However Hamlets sanity is best proven when he reflects on Yorick, and his life and death. Alas, Poor Yorick! I knew him, Horatio.(V.i.178-179) Hamlet is reminiscing the days when he was a child, and all the joys of life that he once knew, instead of all this pain and anguish. Hamlet remembers Yorick as a father figure because Yorick was always around to make Hamlet laugh or pick Hamlet up on to his shoulders. This shows that Hamlet has feelings towards others, and therefore still sane. Hamlet also contemplates about the life of Alexander and Caesar for they both looked o this fashion i the earth,(V.i.192-193) and will eventually be compounded into dust, whereto tis kin.(IV.ii.7) This is Hamlets epiphany because he finally comes to the conclusion that death cannot be avoided, it is our fate and nothing can be done about it. Hamlet also makes the decision to not kill Claudius because life is to precio us to be taken away, and that it should be cherished to the fullest. This is not something that a madman would consider because a madman would not consider life to be that important. Hamlet throughout the play undergoes many erratic and abrupt changes. Hamlet, despite he frequently fell in and out in madness, finally was able to cope with his pain, emotions and his life, and therefore was able to regain his sanity. He was able to do this because he resorted to his intelligence and careful thought to think things through, instead of acting solely on impulse. Works Cited

Gene environment essay Essays

Gene environment essay Essays Gene environment essay Paper Gene environment essay Paper The first is a passive kind, in which the parents who are genetically related to the child liver a rearing environment similar to the parents genetic disposition. The second is an evocative kind, whereby the childs characteristics receive response from others that is directly influenced by their genotype. The last type that is known as active is when the child seeks out compatible and stimulating environments. It is the purpose of this paper to describe how these three genotype-environment correlations apply to myself. Throughout my childhood there was something to be said about fitness and maintaining a healthy lifestyle. As early as I can remember my mother dressed how taking care of yourself will lead to a happy life and her genetic predisposition was passed on to my siblings and myself. This defines the passive genotype correlation. I found myself throughout the years becoming increasingly curious about being fit from watching my mother workout on her new home fitness machine. In turn as I aged and realized that being fit was something I took interest in, my mother gradually bought more weight training equipment more suitable for a males needs and in no time part of my childhood garage was a now a small weight room. The next genotype called evocative explains the types of experiences I had u to who was and my genetic make-up. In the physical world, everyone is different and you will evoke different responses depending on types of skills that you possess. : For example, I was always very good with electronics and people who knew me could speak to me about setting up home entertainment systems or car audio and know would have good input for them. The feedback that receive is very different than those who fail at such tasks. The active genotype is the one that feel is most important to humans because it has the most powerful connection between people and their environment. The term competitive can be used to describe myself, as with most things in my life, competition is what gives me drive. I found out in earlier years, even before high school, that playing in organized sports was something that I looked for in life and continued through high school and even today if friends want to organize a game. I found that once certain experiences occurred like competing, naturally they led to even more and I found my niche.

Arizona Real Estate Market Research Paper Example | Topics and Well Written Essays - 1500 words - 1

Arizona Real Estate Market - Research Paper Example The U.S. is still struggling to recover from this crisis to date. Despite the crash, Arizona is reported to have had one of the best recoveries from the crash throughout the U.S. This paper analyzes the causes of Arizona’s real estate market crash. It will also describe why Arizona is having one of the best recoveries of the real estate market in the U.S. The crash of Arizona’s real estate market was caused by a number of factors according to a study. Firstly, economists argue that the crash was caused by poor lending practices that the adopted by lenders just before the crash. In this regard, banks are reported to have lent a lot of money to mortgagers without taking into account their ability to repay the loans. As a result, when the economy of the country started declining, many mortgage owners began experiencing difficulties repaying the loans and the mortgage interests resulting in default. Consequently, since there were no enough homebuyers in the market, prices of homes in Arizona dropped to an all time low leading to the crash (Vannutini Par. 3). The crash was also caused by speculative buying rather than sheltering. A research conducted by the National association of Realtors found out that about 23 percent of homebuyers only do so for investment purposes while about 13 percent of those surveyed identified their buying for vacation, which in itself signifies speculation. A research indicated that a majority of homebuyers from Arizona real estate market bought their houses at low interest adjustable rates with the intention of keeping their costs as low as possible then sold them at higher prices for profit. With speculation, buyers kept off the market when prices are high and making purchases when prices are low. The more the speculation continued the more the market prices declined leading to crash of the market (DeGrace Par.5). Low interest rate is also cited as the leading cause of the Arizona real