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Final Examination (2) Discuss the three approaches to property valuation. What is the process of each? When might it be better to use one approach over the other? The three approaches to property valuation are: comparable sales approach (market data approach); income approach; and cost summation approach. Comparable sales approach is determined by using recent sales of similar properties to the one being assessed. This estimates true property value by comparing the property that is in question to others that have been recently sold and then making the adjustments as needed. The idea is that you need to find market areas that have relative or same economic status. Once this process is done then you can group the â€Å"parcels† in different categories, i.e. size, year it was built, the size of the lot, etc. The book says that the property that is not sold is compared to similar property that a market value can be observed and then infers a value. (LJJ, 155) It is common in jurisdictions to assess parcels as a percentage or fraction of the full market value. In theory it does not make a difference if the full value or fractioned value is assessed, the outcome should be the same. When using fractional assessment you need to use a higher tax rate than using market value assessment. This seems to make taxpayers more comfortable but can lead to problems if different fractions are used in the same jurisdiction. Another problem is that this approach requires a large number of sales and can be time consuming if done annually or for the first time. This approach is great for residential properties. The income approach converts the future returns from ownership of a â€Å"parcel† into their present value equivalent. This approach can be done by c... ...edit of the issuing government. This non-guaranteed bond is backed by a certain business-like government activity and not a larger government entity that has taxing powers. Some revenue bonds can have lower interest rates than obligation bonds. If for example a water district with a excellent history of borrowing may have a lower interest rate than a general obligation bond with a declining property tax and low personal income. (LJJ, 492) Unlike obligation bonds these types of bonds generally do not need or require a popular vote and are repaid by the users f the service. This means that no tax dollars are directly used which is considered a good thing. The more costly of the two bonds are revenue bonds because they generally have higher interest rates. If there was a default on the general obligation bonds then taxes would have to be raised which is less popular.

Theo 104 Biblical Worldview Essay

Worldview Biblical Essay Theology 104 Ericka Morales Introduction: The term â€Å"image of God† occurs three times in the Bible. In Genesis 1:26-27 and 9:6, we find out that man is created in the image of God. In 2 Cor. 4:4 we see the phrase used in reference to Jesus who is the â€Å"image of God. † There is no exact understanding of what the phrase means, but we can generalize. It would seem that the first two verses refer to God's character and attributes that are reflected in people.The term cannot be a reference to a physical appearance of God since Jesus says in John 4:24 that God is Spirit, and in Luke 24:39 Spirit does not have flesh and bones. Therefore, we can conclude that the image of God deals with humanity's reflection of God in such things as compassion, rationality, love, hatred, fellowship, etc. God exhibits all of these characteristics, as do people. Example 1: A good starting point is to respect others because God said to.For example, we read in the B ible that husbands and wives are to respect their spouse and the wife must respect her husband Ephesians 5:33. Husbands, in the same way are considerate as you live with your wives, and treat them with respect 1 Peter 3:7. The same principle applies to other relationships. Peter wrote that we should show respect to everyone. You can respect your spouse, child, parent, boss or others because of their position. Acknowledge that others have weaknesses. Everyone is imperfect.Be careful not to let their failures erode your respect for their good qualities. Look for things that you can respect. You can find something to respect in anybody if you look hard enough. Respect others as children of God. I work in a retirement community and everyday I interact with residents, families, doctors and nurse’s and my bosses the administrator and executive director and co-workers. I find that by showing respect to every person I come in contact with not only serves God’s plan for me, but my plan for my self.I have a resident who comes into my office several times a day and she does not remember coming in five minute’s before and even though I have work that needs to be completed I stop what I am doing and take the time to show this resident respect and listen. Sometimes it may even be that she doesn’t need my assistance with anything, she just wants a friendly face and a good listener. I hope when I am older a need a friend someone will be there for me as well. I stopped and listened to show respect to my elder and that what she had to say was meaningful and valuable.Example 2: God wants us to have a heart of compassion for others. Compassion involves feeling, but it involves so much more. If we only feel, then we are sympathetic. If our sympathy motivates us to act, then it becomes compassion. True compassion feels and it acts. Notice that compassion begins with feeling. Without feeling, there is no compassion. Feeling is not enough, but it is a plac e to begin. If we do not weep for those who are hurting, how can we minister to them? We must be about the Savior’s preoccupation with people.I believe that if we serve hurting people, encourage those in despair, help those in need, and hurt with those in pain, we will have not only enriched their lives but have done exactly what God would want us to do. People don’t go where the action is; people go where the love is. I have worked in the geriatric nursing field my entire adult life and the most important impact on the lives that I touch is my ability to be compassionate. I find that when a spouse or children lose their mother or father it is the one of the most traumatic times in their lives.Every person handles grief differently so each time I have consoled a spouse or family member it is different. I’ve held there hands, given them a hug, shared God’s word with them, prayed, and in some cases just been a shoulder to cry on. But if can I can be there f or a person in their time of loss and offer compassion and hope and remind them that God is with them, I think it makes a big difference. I have family members and spouses that years down the road have seen in and thanked me for helping them through one of the roughest days of their life.I may not be able to help everyone but the ones I can help I think God would want me too. I have found that by helping others it has created a reward in my life that is immeasurable. Conclusion: Finally, because everyone is made in the image of God, then everyone should be treated with proper respect and honor because they reflect God. Of course, we know that many people are full of evil and hatred and we must guard ourselves and others against them. Still, we are to treat others with respect. During His time on earth, Jesus was the embodiment of God’s compassion.Scripture frequently tells us that Christ was â€Å"moved with compassion† by the suffering of the people Mark 6:34, 8:2. Si mple acts of compassion make a difference in every area of life. When our children run through the house and fall down, they need a hug or a kiss to make everything all right. When a friend finds themselves in a tough situation, a listening ear makes all the difference in the world. When someone is sick, a call or a card can brighten their day. By showing respect and compassion everyday you can enrich your life and the life of others.

Centered Therapy And Cognitive Behavioral Therapy

Centered Therapy and Cognitive-Behavioral Therapy Etiology of Problems Person-Centered Therapists don’t use standardized diagnostic tools to assess client presenting problems – as a way to avoid the kinds of labels that harm client-therapist relationships and as a way to avoid clumping clients together with others of the same condition. A more important initial goal for Person-Centered Therapists is to ensure that the student or client knows and believes that the therapist sees them all as individuals and values them. In this sense, Person-Centered Therapy is more of a mindset or approach than a list of strategies. Carl Rogers outlined six factors necessary for growth in a therapeutic setting, and beginning sessions will focus on†¦show more content†¦Major Interventions A Person-Centered Therapy relationship often begins with a conversation about informed consent, which stresses openness and acceptance and warns that â€Å"being in counseling isn’t easy and it’s never an emotionally neutral experience† (Sommers-Flanagan, p. 167). This can set the tone of empowerment of and respect for the client. Once empathy and unconditional positive regard for the student or client are established, a Person-Centered Therapist maintains a person-centered way of being. Though PCT does not employ a list of concrete strategies or techniques, it does require a set of attitudes. In contemporary practice, Motivational Interviewing has become an accepted technique. It involves a more directed approach than traditional PCT, but maintains a respectful, empathic relationship with unconditional positive regard. Through MI, a Person-Centered Therapist will instruct, advise, and persuade the client or student to identify the core feelings and thoughts surrounding their apparent ambivalence toward a problematic issue. Cognitive-Behavioral Therapy is an endeavor to support students or clients as they explore their irrational, dysfunctional thoughts and beliefs, and develop more rational beliefs and thoughts as well as skills to cope with their maladaptive thoughts and inner speech. The initial session will include a statement ofShow MoreRelatedPerson-Centered Therapy and Cognitive Behavioral Therapy Essay2573 Words   |  11 Pages In the 1940s Carl Rogers was well on his way to revolutionizing the state of traditional, directive psychotherapy and pioneering what would soon become the person-centered approach. Although Rogers strayed from the psychological mainstream’s view that therapists drive their clients recovery through such mediums as advice, direction, teaching and interpretation he still believed that the therapist’s role was crucial, and it was their attributes that paved the way to increased awareness and self-directedRead More Person Centered Therapy and Cognitive Behav ioral Therapy for Post Traumatic Stress Disorder 1203 Words   |  5 Pagestoday. Cognitive Behavioral Therapy is another popular theory that is used. It emphasizes the present and fixing cognitive distortions that clients may have. However, it too received some arguments against it, such as; treating symptoms and not the underlying cause of an illness. The theories that will be discussed are Carl Roger’s theory of Person Centered Therapy, Aaron Beck’s Cognitive Behavioral Therapy (CBT) and how they would treat Post Traumatic Stress Disorder (PTSD). In Person Centered therapyRead MorePsychology Methods1267 Words   |  6 Pagesbetween two therapies used in psychology. The approaches are known as the Client-Centered Approach and the Cognitive Behavioral Therapy. They are both used daily, world-wide, and can be seen in different ways. In psychology, the use of therapy, approaches, and techniques are used all the time. The client-centered model is all about the clients themselves and the cognitive behavioral therapy relies on direct counseling tools to control and guide the client. Cognitive behavioral therapy is more short-termRead MoreAnalysis Of The One That Caught My Attention And Interest1589 Words   |  7 Pagespresented, the one that caught my attention and interest was that of John, the 24 year old recent college graduate and mechanical engineer. I began our session by inviting John to tell me a little about his concerns and what has bought him into therapy to see me. 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Cognitive-behavioral techniques target both cognitive and behavioral problems with the use of cognitive and behavioral strategiesRead MoreEssay about Contrast Effective Biblical Counseling Concepts1412 Words   |  6 Pagesworldly challenges, a Christian counselor also faces humanistic therapeutic false views of secular therapy. Christian counselors maintain a focal point in guiding people to living a life that is full of spiritual richness and maturity. Yet, secular therapist focuses on self-gratification and self-actualization. As Christian ministry helpers, you must be living by the truth and exemplify a Christ-centered life. Crab b (1977) developed a counseling model that teaches us how to develop individualizedRead MoreExamining Effectiveness Of Treatment Strategies Used With Survivors Of Rape1357 Words   |  6 PagesExamining Effectiveness of Treatment Strategies Used With Survivors of Rape Therapy for survivors of rape is often difficult to obtain. 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Evidence based therapy that has shown positive outcomes in cognitive behavioral therapy (CBT) which is based on changing behaviorRead MoreIn this compare and contrast paper I will highlight the differences and commonalities1167 Words   |  5 Pagesand techniques of Rodgerian theory called Rodgers’ Client-Centered Therapy (RCCT), Rational Emotive Behavior Therapy (REBT), and Cognitive-Behavioral Therapy (CBT). All of these theories are a form of psychotherapy. Couselors today use techniques such as pharmacological intervention and cognitive and behavioral therapy. They are not wrong in using these techniques, but rather should seek the Lord and take a biblical approach in therapy. Part 1: Goal of Christian Counseling In part one – â€Å"ARead MoreThe Importance Of A Good Counselor Go Hand With Good Counseling Skills1139 Words   |  5 Pagesthe helper and the client, which by information sharing and exchange of ideas. The qualities of a good counselor go hand in hand with good counseling skills. Cognitive Behavior Therapy My most favored counseling therapy method would be Cognitive Behavior Therapy, also known as CBT. According to the National Association of Cognitive-Behavioral Therapist, â€Å"As a research-based treatment modality, CBT is an effective treatment for substance abuse, eating disorders, and specific mental health diagnoses