Loanable Funds Market in Australia free essay sample

1. Introduction: The Reserve Bank of Australia is considering an increase in the target cash rate by 25 basis points in the near future. It is the intention of this report to analyse the positive and negative impacts of a rise in interest rates on the loanable fund market in Australia. In order to analyse the impacts of an increase in interest rates on the loanable fund market, the reasons behind the possible rate rise in the near future will be looked upon. Charts and diagrams have been used to illustrate the intention of this report and it is hoped that by looking at these vital elements the intended user will be able to understand the issue more thoroughly and follow the analysis behind it and get a clear understanding of the issue. 2. Cash Rates of the Reserve Bank of Australia(RBA): The Reserve Bank’s monetary policy actions are directed towards influencing the level of interest rates in the financial system on order to achieve its economic objectives (Viney, 2005). Cash rates are the interest rate paid in the interbank market for exchange settlement account funds. The target cash rate can only be set by the Reserve bank, it is decided monthly when the board of the Reserve Bank (RBA) meets and considers various financial indicators from around the world and target inflation rate. The main purpose of the cash rate is to control inflation. Kruger Coorey (2007), state that The Reserve Bank has announced a 0. 25 percentage point increase in interest rates this morning to 6. 5 per cent. This increase has an influence on output, employment and prices through a number of complex, related channels which affect the cost and availability of funds to the business and household sectors. Source: Sydney Morning Herald, 2007. When there has been a change in the trend or level of cash rate, then the bill rates and commercial loan rates will adjust followed by mortgage and retail lending rates (Viney, 2005, p. 424). When the Reserve Bank of Australia wants to lower the cash rate, it supplies more cash than the banks like to hold, as a result they will lend more money to money market resulting in a fall in the cash rate. And if they want to raise the cash rate they do the exact opposite. The main objective of the RBA is to control the cash rate, as by doing this they control inflation, which is vital for the economy’s wellbeing. 3. The loanable funds market in Australia: According to Viney (2005), Loanable funds are the amount of funds available within the financial system for lending. 3. 1 The Loanable funds Model: In the loanable funds approach it is assumed that there is downward sloping demand curve for funds and an upward sloping supply curve for interest rates. The demand curve represents the demand for credit by borrowers and the supply curve represents the supply of credit by lenders (Evans,1999). Borrowers (represented by the demand curve) include consumer borrowers (credit cards, home loans, etc. ), businesses of all kinds (corporate borrowing, trade credit, etc) (Evans, 1999). Source: Evans(1999) Lenders (represented by the supply curve in the loanable funds model) include direct lenders, such as banks, mortgage companies, credit card companies (Evans, 1999). The supply of loanable funds comes from those who spend less than they earn, while the demand for loans comes from households, companies and governments who wish to borrow funds to make investments (Miller, 2004). The downward slope of the yield curve implies that the demand for funds will increase as interest rates rises and the upward sloping supply curve shows that an increase in the supply of loanable funds will allow interest rates to fall (Viney, 2005, p. 447). The interest rate(r) is determined by the equilibrium between demand and supply. Changes in the position of the demand and supply curves will result in changes in the rate of interest. Source: Viney,2005 At equilibrium, the quantity of funds demanded is equal to the quantity of funds supplied. If the interest rate in the market is greater than the equilibrium rate, the quantity of funds demanded would be smaller than the quantity of funds supplied. Lenders would compete for borrowers, driving the interest rate down. Similarly, if the interest rate in the market is less than the equilibrium rate, the quantity of funds demanded would be greater than the quantity of funds supplied. The shortage of loanable funds would result in upward pressure on the interest rate (Mankiw, 2001). 4. Effect of demand on Interest rates for Loanable Funds: The demand on interest rates for loanable funds affects the Household sectors, Business sectors and Government sectors. 4. 1 Household Sectors: The impact of a rate rise decreases the demand for the loanable funds from the household sector. As this foreseeable increase interest rate could add $50 to the monthly repayments on a $300,000 mortgage. This may discourage many new home buyers to differ from buying a house for now, due to the added costs of taking out a mortgage during a period in which interest rates are expected to be high. However, at present in Australia the demand for housing is positive and high. The household sector is doing very well, despite the Reserve Bank raising interest rates, said Westpac senior economist Andrew Hanlan (Bourlioufas Wires, 2007). This is so because the low petrol prices helped the household sector in doing well (Bourlioufas Wires, 2007). However, inspite of the household sector doing well Banks are likely to remove discounts for new customers first, while poorer credit risks will find it impossible to get home loans at all (Uren, 2007). If the interest rates keep rising then according to Mr Braddick, housing affordability will gradually deteriorate further in the year ahead and this would be a negative impact on the loanable funds market in Australia. Kruger Coorey, 2007). Therefore, consumers have to be careful n sure about taking a home loan at the moment as they might end up paying higher interest rates. 4. 2 Business Sector: A rise in the interest rates will effect the demand for loanable funds in the business sector. The higher the rate of interest, the lower would be the volume of funds demanded and the lower the rate of interest, the greater will be the volume of funds demanded. This is represented b y a downward sloping curve (Viney, 2007). According to Campbell(2007), the small business sector which employs about a million people and will bear the increased cost in regard to their mortgages and those people will bear the increased cost in regard to their borrowings as small businesses. Rise in interest rates is a blow to all hardworking small business people. Half the borrowings of small business people are at variable interest rates, and those people will be hit hard by a rise in interest rates. Businesses with borrowings of $200,000 will pay an additional $500 per year.

Span of Control free essay sample

Corporations often see a shift in executive teams throughout the course of their existence. Often times when during a company merger, acquisition, or a vote by the Board of Directors to replace the company’s leadership, a new style of management will emerge. Different leaders have various ideas on how the management of the company is to be handled. Some CEO’s like to have a small executive team, with separate areas of the business combined into segments and receive reporting through their direct reports, while others like to have a large executive team with a different leader for each business segment. With the number of different management styles out there, employees need to be able to adapt to these changes. In the example provided, the CEO of Fiat decided to flatten the management organization between Fiat and Chrysler. In doing so, the CEO increased the number of direct reports he had under his span of control. We will write a custom essay sample on Span of Control or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page In reducing the number of management levels, each of his direct reports had a broad area of the business to control and be responsible for. The move to flatten the span of control allows the business to bring out its employees talents, skills, and strengths. A move like this can be a positive one for the employees as it boosts morale and gives power to the employees of the business to collaborate and be a part of the company’s success (Griffin, 2012). Giving everyone in the organization the feeling of having a voice is a good way to keep all employees engaged and passionate about the company’s success. The change in the management structure promotes the business to the workforce and provides an opportunity for the management team to build on the success of its employees. While a flat management structure has some positives, there are also some issues that leaders should keep a watchful eye out for to ensure the shit in control is successful. Managers in a flat structure need to be sure to share any research or information they may have with others and not keep it secretive. If a manager can be open and even a little vulnerable, the success rate in using a flat structure can be positive (Griffin, 2012). The flat structure does cause managers to end up with a heavier workload and can lead to confusion among its leaders about who is responsible for what roles Griffin, 2012). When so many people are reporting to one manager, a sense of distrust can be built among the reporting chain. This is why it is important to keep an open dialogue with employees to keep their trust. Flattening the management organization reduces the company’s complexity. The span of control is spread out and reduces the centralization of authority. The defined structure of every employee’s roles and responsibilities is less controlled and more open. This allows everyone to approach their jobs with the freedom to accomplish tasks in their own way as long as they work is getting done. Every organization needs to evaluate the business and determine what span of control provides the best return for the company. If the business is one where the jobs require specific skills to accomplish tasks, a tall management structure may be the best suited for continuing progress. Organizations with jobs that allow a less defined skill set, a flat management structure provides the ability to tap every employee’s skills and achieve their full potential.

Slavery in Texas essays

Slavery in Texas essays In the book, "An Empire for Slavery", Randolph B. Clark describes the way in which Texas slaves coped with life under oppressive circumstances. Some of the topics discussed in the book include how slaves approached daily chores and provided for their material and physical condition. Also, it is demonstrated how slaves tended to their psychological and spiritual well being and how they displayed their feelings towards this "Peculiar Institution." Some slaves in Texas approached responsibility for work in such a manner that they were given a great deal of leeway for their own daily job assignments and were even given supervisory positions over other slaves. Some bondsman, working as managers, tended to plantations and farms in the absence of the owners. This practice is quite remarkable when we sometimes visualize a slave as a blackman with a chain and heavy ball attached to one foot. The conception of manager slaves apparently was propagated in such an encompassing manner that some proponents of slavery found it to be very disconcerting. Some slave owners felt too much liberty was being given to the interned hoard. In 1858, state senator Henry E. McCulloch introduced a bill to outlaw the practice. The bill passed, but had little effect because it had little support in the white community. Some blacks, if not managers, were more in the order of middle managers known as "drivers." Drivers were specialty supervisors who oversaw operations related to "chopping" cotton (cultivating), plowing, planting and harvesting. As slavery progressed many slaves graduated to other jobs that required a different degree of responsibility, such as carpenters, blacksmiths, personal valets, and housekeepers and the like. So it would appear bondsmen were perfectly capable of accomplishing any task given to them by their tormentors. Material conditions and physical treatment of slaves can be broken down into five main categories: food, housing,...

How to End a Sentence (A Guide to Terminal Punctuation)

How to End a Sentence (A Guide to Terminal Punctuation) How to End a Sentence (A Guide to Terminal Punctuation) Punctuation marks that can be used to end a sentence are known as a â€Å"terminal† punctuation. But what exactly are your options in this respect? Check out our guide to terminal punctuation to find out. The Period The period (sometimes also known as a â€Å"full stop†) is the most common type of terminal punctuation. They are used for any sentences that are not questions or exclamations. For instance: Brevity is the soul of wit. This finality is why people say â€Å"period† at the end of a sentence to emphasize a point. Furthermore, we see the same punctuation mark used for: Decimal points (e.g., 3.1415) Abbreviations (e.g., â€Å"Prof.† or â€Å"Dr.†) Ellipses (i.e., a series of three dots used to indicate an omission [†¦]) The period is therefore very versatile! Technically, however, it only counts as â€Å"terminal punctuation† when used at the end of a sentence. The Question Mark We use question marks to show that a written sentence is a question. This only applies, however, when asking a direct question. For an indirect question (i.e., a question within a statement), we use a period instead: Direct Question: Is brevity the soul of wit? Indirect Question: He asked me whether brevity is the soul of wit. Finally, you can use either a period or a question mark after a rhetorical question. Make sure to apply punctuation consistently if you ask more than one rhetorical question in a document, though. The Exclamation Point Exclamation points are the most enthusiastic punctuation marks. We use them when we want to show that something is surprising or exciting, or to express strong emotions in general: Help! My writing lacks brevity and therefore wit! Here, for example, the exclamation marks indicate urgency (or possible panic). You can also use an exclamation point in fictional dialogue to show that a character is shouting or speaking loudly. â€Å"How witty!† Tim whooped in excitement. Keep in mind, though, that exclamation points lose their impact if overused. They are therefore best used sparingly, and you may want to avoid them completely in formal or academic writing. Summary: What Is Terminal Punctuation? Terminal punctuation indicates the end of a sentence. These marks include: Periods – Used for any sentence that is not a question or exclamation Question marks – Used to indicate a direct question Exclamation points – Used to express surprise or strong feelings If you need help with the punctuation in your writing, check out our services. Terminal punctuation marks.

McDonald's Essay Example | Topics and Well Written Essays - 1000 words

McDonald's - Essay Example Ray Kroc saw early on what needed to be done. He changed what was at one time a product orientation, into a marketing orientation. Back in 1955, this was still a new type of management.( Kroc 185-217) From the beginning, Kroc was already in the forefront of marketing. Ray Kroc founded the McDonald's way back in 1954 that worked as a single restaurant till 1955 but soon Kroc thought upon the idea of franchise-system. By 1974 the Brand Mac has already become a name to reckon with from its first Woodwich High Street in South London. Each succeeding generation since then saw the McDonald's hype increase and permeate almost every body's life in a few decades. For such a great hype however the McDonald's cannot be held the sole responsible. The people enjoyed the freedom that the Mac provided with-a release from sheer labour of preparing the foods three-times a day. If the Mac rationalized the trend of serving, the people welcomed with even greater response. McDonald's uses a theory referred to as relationship marketing. Relationship marketing is defined as marketing to protect the customer base. The customer is viewed as an asset and the company's marketing goal is to attract, maintain, and enhance customer relationships. McDonald is facing a major attack on its brand from anti-globalisation and other pressure such as, United Poultry Concerns- (www.upc-online.org). They are going after McDonald's because they think it has deep pockets. So far the company has been able to use finical marshal to fend off attack. The litigation cases in the United States against McDonald so far has been settled out of courts and the courts have thrown out most of them. Kids represent an important demographic to marketers because they have their own purchasing power, they influence their parents' buying decisions and they're the adult consumers of the future. With this in mind, McDonald, like many other manufacturers are using various marketing and communications strategies to encourage children and adults to buy their products. The McDonald's new mantra, other than the diet is 'Go Active', 'Eat Smart' and 'Be Active'. Now Dr. Cathy Kapica and Anita Bean are more concentrating on the Happy Meal with emphasis on to keep the customers healthier, free from risks of weight gaining. McDonald's is now an organization by itself. It is 'the process by which the principles of the fast-food restaurant are coming to dominate more and more sectors of American society as well as the rest of the world' ( Greider 13-88). It's affected all walks of life-education, work, travel, the family and every other sector. In trying to connect the brand with the consumer, McDonald has teamed up with pop star Justin Timberlake to shed 'new breath of young and coolness t' to the brand. As part of McDonald's multi-dimensional global relationship with superstar Justin Timberlake, the company announced today its sponsorship of the "McDonald's Presents Justin Timberlake lovin' it live" concert tours. McDonalds implemented the latest technology into it's business to gain more market share. McDonald's implemented a new computerized logistic system which makes it possible to transport materials, components and products with far greater speed and at much lower cost as a result of developments in road, rail, sea and air transport. These improvements in transport have also increased the amount of new subsidiaries opened

Saudi newspapers Al Riyahd and Alwatan Dissertation

Saudi newspapers Al Riyahd and Alwatan - Dissertation Example Decisive Storm, in the name of defending civilization, legitimacy, and humanity. Communication theorists have taken great interests in studying further the concept of framing theory in mass media. This is particularly because there is quite confused as to how this theory can be characterized in the theoretical and empirical perspective. In the earlier studies as that of Iyenger & Kinder (1987) and finally in McCombs, Shaw, and Weaver (1997), framing theory did not have much distinction between the concepts of agenda-setting theory. Agenda-setting theory is a communication concept, â€Å"which focuses directly on how media coverage leads to changes in the importance of different considerations†. Scheufele (1999) and another study DeVreese (2005), however, agrees that the framing concept has inconsistency in its application, especially in identifying the frames projected in the media. In a more developed study of Scheufele along with his colleague Tewksbury, the authors furthere d the distinction between Framing, Agenda Setting, and Priming based on how the progress of studying mass media effects. A most recent review from Borah (2011) expresses the even more pressing issues in the conceptual debates of framing theory. Amidst the vagueness of the concept of framing theory, this research considers how this theory can still explain the context of the effects of news on the audience. The framing theory encompasses the origin, evolution, presentation, and effects of frames (Tewksbury & Scheufele, 2009).

Community Assessment Essay Example for Free

Community Assessment Essay The name of my community is Buchanan County, Va. The total size of the area is approximately 504 square meters. (County Date, â€Å"n.d.†) The county was named after James Buchanan the 15th President of the United States. The approximate number of families in the community according to the U.S. Census is 6,866. (Population, 2010,) Buchanan County is a residential type of community. Buchanan County is a community with people who have been here from generation to generation. The community is a very family oriented community. Families are very close and always lived here all their life in this part of Virginia in this small pleasant community. The majority of houses in Buchanan County, VA are privately owned. Rental houses are of plenty in Buchanan. They are more trailers parks that are occupied and rented than rental houses. Most of the trailer parks and rental houses are in poor condition a lot of privately owned houses are in good condition. There’s maybe approximately 200ft in some areas between neighbors. The typical age of homes is 10-30 yr. old homes. Buchanan County has no subdivisions per driving thru the community. The population of the community is as follows: Infants as of 2007 where 203(Public records infants, 2007). The number of preschoolers are 149 which is 3%, Kindergarten 174 and 3.5%, grades 1-8 which is 2,089 and is 42.3%, grades 9-12 which is 1,132 and is 22.9%.(county assessment, 2011). Fifteen years and over marital status is as follows total is 22,457 (100%) of this age population, never married 4,069 (18.1%), now married 14,265 (63.5%), separated 641 (2.9%), , divorced 1,595 (7.1%), ages 30-34 is 1,418 (5.9%), ages 50-54 is 2,086 (8.7%), ages 85 and over is 308 (1.3%), and widowed 1,887 (8.4%).(census 2010, 2010) There are 10 public schools and 1 private in the county which are as follows Twin Valley Elementary/Middle School which is located in the Oakwood, VA area which is from PK-7 grade and has approximately 417 children receiving an education, Twin Valley High School which is located in the Pilgrims Knob, VA area which is from 8-12 grade and has approximately 286 children receiving an education, Grundy High School which is located in Grundy, VA which is from 9-12 grade and has approximately 472 children receiving an education, Hurley High School which is located in Hurley, VA which is from 8-12 grade and has approximately 257 children receiving an education, Haysi High School which is located in Haysi, VA which is from 9-12 grade and has approximately 284 children receiving an education, Hurley Middle School which is located in Hurley, VA which is from PK-7 grade and has approximately 419 children receiving an education. Council Elementary/Middle School which is located in Council, VA which is from PK-7 grade and has approximately 217 children receiving an education, Russell Prater Elementary School which is located in Vansant, VA which is from PK-5 grade and has approximately 116 children receiving an education, Riverview Elementary School which is located in Grundy, VA which is from PK-8 grade and has approximately 921 children receiving an education, JM Bevin’s which is located in Grundy, VA which is from K-5 grade and has approximately 132 children receiving an education, and Mountain mission is a private school located in Grundy, VA which is from PK-12 grade and has approximately 259 children receiving an education.(Schools, 2011) To the best of my knowledge I don’t believe we have any type of daycare facilities. Buchanan County has a head start program in the community. Almost every school has a Pre-k program. There is a public Library located in Grundy, Va. There is a vocational center at Grundy, VA as well. There are several forms of higher education, Southwest Virginia Community College at Richland’s, VA, Appalachian College of Pharmacy in Oakwood, VA, and Appalachian School of Law in Grundy, Va. As of 2007 there were 125 voters in Buchanan County, Va. (census 2010, 2010) There are several voting locations throughout the community. Most of the voting booths are located at most of the surrounding area schools. Most individuals may travel up to 10miles or more to get to a voting location depending on what area in the county you live in. Air pollution is of plenty in Buchanan County, Va. The Coke ovens of Jewel Smokeless Mines pollute the air with lots of smoke. The coke ovens are located at Dismal Road at Patterson, Va. U.S. route 460 is a very busy highway for all due to much travel from Richland’s, VA and Kentucky to Grundy, VA either to work or to get home. There are several bodies of water throughout the county. The most famous are the Levisa River and Dismal River both located throughout the county. The water source is county water from PSA which our major water source comes from John Flanagan Dam. The sanitation department is located in Grundy, Va. The noise in the county is not bad, but CNX has many ventilation fans that you can hear sometimes running circulating air throughout the underground mining systems. The only crimes I can find that are bad is substance abuse which the county had 991 total drug violations in 2000. (Buchanan County, 2000) The unemployment rate for the county is 7.30% which is high and the average household income is $29, 712. (Income, â€Å"n.d.†) The best occupations for men are to work for CNX in the mines or the gas well occupation. The best occupation for women is the healthcare occupation. The only new jobs in the county were with the coalfield express to make the highway better through the surrounding areas in Buchanan. The Health Department in Grundy, VA offers WIC for low income families and also several other government funds such as Tanf. There’s a food pantry in Grundy, VA. There’s a service called people incorporated that offer assistance such as shelter to children and mothers who have been abused. There’s a free clinic for surrounding areas for Buchanan, Tazewell, and Russell is the Reddy Tri County Health Clinic which is in Richland’s, VA. The stores in Buchanan County are Food city in Vansant, VA, Save a lot in Oakwood, VA, and Wal-Mart in Grundy, VA. All of these stores have healthy foods such as fruits and vegetables and other healthy products. The public transportation is as follows: There’s the County transit bus for all ages and incomes serving the Buchanan County, VA and surrounding areas, and the children have public school buses available for school transportation. There’s about an average of 7-8 red lights throughout the community. The average number of cars per each house as per driving and my observations in the community are about 2 per household. Most of the cars are in good shape. The recreational activities are of plenty in Buchanan. We offer many parks. Each area in the county has some form of recreation. The most famous of parks serving the Buchanan county areas and surrounding areas is the Breaks Interstate Park. The Breaks offers a new Water Park, hiking and biking trails, paddle boats, and Lovers Leap. There’s a park in each community most has a ball field with a track around it. There’s several public pools in the community they are at Twin Valley Elementary School in Oakwood, VA which also has a track and tennis court , the YMCA in Grundy, VA which also has exercise equipment, William P. Harris Park in Council, VA it also has a tennis and volley ball court with a ball field and several picnic shelters. These area parks are for all ages. The area has several churches and religions. The percent of religious people are 24.67%. The Non-religious percent of people are 8.1 %.(religion, â€Å"n.d.†) There are several churches in the community: Baptist churches, Church of Christ, Jehovah Witness, Presbyterian, Methodist, and Pentecostal. The percent’s are as follows: Baptist is 11.30%, Jewish is 0%, Methodist is 1.92%, Pentecostal 0.46%, Presbyterian 1.02%, and other is 9.81%.(religion, â€Å"n.d.†) The cultures in Buchanan are mainly white people (dominant culture) which accounts for 96.3%, black people are 2.8%, American Indian and Alaska Native people are 0.1%, Asian are 0.3%, People reporting two or more races are 0.5%, Persons of Hispanic or Latino origin are 0.4%, and White not Hispanic 96%. (Culture, 2011) The distance of most relatives in Buchanan County would probably be no more than 10-20 minutes away. The countys public water system was designed with the regulations and guidelines of the Virg inia Department of Health. The size of each fire hydrant and water line allow for 250 gallons of water to safely flow from the hydrant each minute. (Wampler, May 11, 2006) The closest police station is in Grundy, VA on Walnut drive, the sheriff’s office is in the same location as the police station. There is also the 29th circuit task force which is on Almarine Dr, in Grundy, VA. There are about 12 fires stations. The most used in the community is Grundy Volunteer Fire Department in Grundy, VA. Most families have locks and gates on their houses for safety. Maybe an average of 20 homes has alarm systems in this area. The numbers of clinics in the community are 10 and are community health clinics. There’s only one hospital in the community and that is Buchanan General Hospital. The only long term care facility is Heritage Hall on Slate Creek Rd. in Grundy, VA. The psychiatric facilities in the community are the Cumberland Mountain House in Keen Mountain, VA and the Baxter House at Oakwood, VA which educate and rehabilitate with group therapy. Patient education is provided by the clinics throughout the area, but mainly at Buchanan General Hospital in Grundy, VA. They are approximately about 15 or more ambulance services in the community. 911 is available in the community. They are several Home health agencies to help with families with disabilities. They are many pharmacies available in the community. A big shortage of Doctors and Dentists in the community. The community only has 69 doctors in the community and six dentists, but on the other hand nursing is of plenty 111.8 per person in Buchanan County, VA. ((Healthy people, 2009) Media Sources in Buchanan are newspapers Virginia Mountaineer and The Voice. Local TV is available our news stations are WCYB and WVVA. Cable is available from Time Warner. Cable and high speed internet are available from time warner and Verizon. Local radio stations are WMJD FM and WNRG AM. The main nursing diagnoses that stand out are: Actual problems with substance abuse, Risk for relocation as evidenced by a shortage of jobs, and Risk for poor health as evidenced by a shortage of healthcare workers. References Buchanan County. (2000). Retrieved July 5, 2012, from www.fedstats.gov/mapstats/arrests/county Census 2010. (2010). Retrieved July 5, 2012, from www.u.s.census.com County Data for Buchanan County, Virginia. (â€Å"n.d.†). Retrieved July 04, 2012, from http://www.landsofvirginia.com/county/detail/?id=5040 County assessment. (2011). Retrieved July 5, 2012, from www.buchanancountyonline.com/communityassessment2011.pdf Profile of general population and housing characteristics: 2010. (2010). Retrieved July 04, 2012, from http://factfinder2.census.gov/faces/tableservices/jsf/pages/productview.xhtml?src=bkmk Public records infants. (2007). Retrieved July 5, 2012, from www.openpublic-records.com/virginia/buchanan_county_public_records Schools. (2011). Retrieved July 5, 2012, from www.localschooldirectory.com/publicschool/88240/VA Wampler, J. (May 11, 2006, May). PSA Cracks Down on Water Thieves. Virginia Mountaineer, pp. 3. Retrieved from www.virginiamountaineer.com Culture. (2011). R etrieved July 6, 2012, from www.quickfacts.census.gov Healthy people of Appalachia. (2009). Retrieved July 6, 2012, from www.healthyappalachia.org/files/docs/word/BuchananDraft%5B1%5D.pdf Income.