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He obtains a 90 percent loan on each house, which means he puts a down payment on the property of 10 percent, or $7,500. Investor A holds each property purchased over the 10-year period all the way through year 25 and does not sell any of them. He arranges his mortgage payments to be paid down to zero by year 25. In year 1, he gets a 25-year loan; in year 2, he gets a 24-year loan; and so on. Finally, in year 10, investor A gets a 15-year loan so that all loan balances will be zero in year 25, enabling him to live off the income as planned. All properties purchased appreciate in value at an annual growth rate of 4 percent so that by the end of year 25, the 10 units purchased have a cumulative value of $1,621,674. The rental income on a house purchased for $75,000 in year 1 is assumed to be $800 per month, or $9,600 for the year. The rental income grows at an annual growth rate of 4 percent so that by year 10, the income per unit has grown to $13,664, and by year 25 the rental income per unit has grown to $25,592, or $255,920 combined income for all 10 units owned.

A common denominator of recovery is the presence of people who believe in and stand by the person in need of recovery Seemingly universal in the recovery concept is the notion that critical to one s recovery is a person or persons in whom one can trust to be there in times of need People who are recovering talk about the people who believed in them when they did not even believe in themselves, who encouraged their recovery but did not force it, who tried to listen and understand when nothing seemed to be making sense Recovery is a deeply human experience, facilitated by the deeply human responses of others Recovery can be facilitated by any one person Recovery can be everybody s business 3 A recovery vision is not related to one s theory about the causes of mental illnesses.

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Standards for standards sake do not advance the enterprise In fact, they can do the opposite by limiting creativity Also, you should communicate broadly when setting a standard Every person in an enterprise who may be interested in considering the standard or to whom the standard would be applied should have the opportunity, at least indirectly, to comment This opportunity can be provided by an e-mail setting forth the projected standard or, better yet, an e-mail identifying the fact that a standard would.

Whether the causes of mental illnesses are viewed as biological and/or psychosocial generates considerable controversy among professionals, advocates, and people with psychiatric disabilities Adopting a recovery vision does not commit one to either position on this debate, nor on the use or nonuse of medical or alternative interventions Recovery may occur whether one views the illnesses as biological or not People with other disabilities (eg, blindness, quadriplegia) can recover even though the physical nature of the disability is unchanged or even worsens 4 Recovery can occur even though symptoms reoccur The episodic nature of severe mental illnesses does not prevent recovery People with other illnesses that might be episodic (eg, rheumatoid arthritis, multiple sclerosis) can still recover Individuals who experience intense psychiatric symptoms episodically can also recover Others may recover and not experience psychiatric symptoms again 5 Recovery changes the frequency and duration of symptoms.

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People who are recovering and experience symptom exacerbation may have a level of symptom intensity as difficult as or even worse than previously experienced As one recovers, the symptom frequency and duration appear to have been changed for the better That is, symptoms interfere with functioning less often and for briefer periods of time More of one s life is lived symptomfree Symptom recurrence becomes less of a threat to one s recovery, and return to previous levels occurs more quickly after exacerbation 6 Recovery is not a linear process Recovery involves growth and setbacks, periods of rapid change and little change While the overall trend may be upward, the moment-to-moment experience does not feel so directionful Intense feelings may overwhelm one unexpectedly Periods of insight or growth happen unexpectedly The recovery process feels anything but systematic and planned 7.

severity is chosen and then refined later when the CCB and/or team leader reviews the defect. A tester may perceive that a defect is of the highest severity only to find out that a configuration team leader may have a workaround for the defect and thus its severity level is reduced. Assigning the severity level for a defect may involve multiple individuals from different teams. The severity of a defect determines how critical the defect is to the business and also how quick the turnaround time should be for re-

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