Analysis of ‘Drops of Jupiter’ with Thesis

No two journeys are alike, because the knowledge and experiences gained differ for each person. One of the texts I have chosen to study is the song Drops of Jupiter written my Pat Nonhuman, performed by Train. The song is about a dream that the writer had about his mother who had recently passed. The line ‘She's back in the atmosphere' was the first line written, and led to him writing the song as an extended metaphor of his mothers journey in the afterlife, and the return of her spirit to him. The inner journey is his own in the way of his journey to deal with grief.He is challenges the notion that the afterlife is a different adventure with his belief that the passed never truly leave us, and that they remain with us in spirit. The lyrics feature an extended metaphor, where the universe is the afterlife, and he is asking his mother about her visit. The verse ‘Now that she back in the atmosphere, with drops of Jupiter in her hair,' shows the metaphor of his mothers death being a temporary journey to the heavens, and has returned with ‘drops of Jupiter in her hair,' as proof of where she has been. The simile used is also comparing her to the beauty of nature. She acts like summer and walks like rain.. ‘ Since the return of her spirit, he can feel her in the air and the nature. He can sense her everywhere around him. Another technique that Monahan used to express the concept of journey was repetition. The constant repetition of the words ‘Tell me' helps to embed the idea of his mother returning to his life as a spirit, and she is sharing her experiences with him. In the text, it is evident that he is worried his mother has forgotten about him, and moved on. This is expressed using poetic devices in the line ‘I'm afraid she might think of me as plain old Jane,'.Plain old Jane is an idiom which means someone boring and ordinary. He admits his fear of his mother forgetting him. Through the song, he realized that the best thing yo u can do about loss of love is find yourself through it. His personal experience was finding a way to deal with death, and that separates him from others facing similar losses. Through his inner journey of dealing with grief, he has learnt a new perspective on death and the afterlife, which is unique to his voyage of self-discovery. No two journeys are alike, because the knowledge and experiences gained differ for each person.

Teampaper

Reduces the â€Å"alternatives space† but how can Positioning help to reduce degrees of freedom in design even further? Try this, what if we want to introduce a toilet paper under the slogan â€Å"My first toilet paper† – once again aimed at young children. Does that create more clarity? Does it immediately pop more specific design elements into your mind? What about price sensitivity for a product like that? Wicked parent's be price sensitive if your product is perceived to make the toilet training experience even a little less of an ordeal?What distribution channels would you use? Wicked they necessarily be the â€Å"normal† one's for toilet paper? Can you see the advertising you would do? What about cross-promotions with â€Å"pull-up† diapers – will that make sense? Obviously there is a cost – to find a tight homogeneous target group we have to fine tune our segmentation and accept the smaller numbers this implies. However, targeti ng a wider group of customers does not guaranty larger sales or profit!This is where the idea of average products comes in. Averages, instead of appealing to everyone, usually end up appealing to no one! They invite competitive entry that targets one sub-segment of the large target group you went after thus tearing away one piece of your sales at a time. Long-term this is a losing proposition unless high barriers to entry can be erected. Even then, averages tend to be a source of dissatisfaction with your product or service.

Out with the Old in with the New Essay

Education is the single most important factor in not only an individual’s life and their outcome for success, but also the outcome of future success in America. In order for our country to be successful we must invest in our future generations and the training they will need once they move on to their future endeavors. Although America spends vast amounts of money each year on education, money is not always the answer. We must improve the performance in our classrooms by making sure we have the strongest faculty possible. Teachers being given the luxury of tenure are hurting student performance and the performance of America. Tenure is not only allowing teachers to keep their jobs secure based off experience rather than performance, but also it is this job protection that makes the removal of poorly performing teachers so difficult and costly. In a result, most schools end up retaining their bad teachers. Teachers having tenure is a very controversial issue in today’s society. There are many pros and cons to this subject, but it is crucial that we have the strongest faculty we can in order to have a bright and prosperous future for this country. Teacher’s tenure is a form of job protection that public school teachers receive after 1-7 years on the job. It was created in the early 1920s in order to protect teachers from losing their jobs to younger less expensive teachers. According to Time U. S. magazine, â€Å"Roughly 2. 3 million public school teachers in the U. S. have tenure†(Stephey). With all the budget cuts that have happened, many talented, energetic and young teachers are being fired in order for other teachers to keep their job. Teacher’s job security should be based on performance in the classroom rather than years a teacher’s been teaching. Teacher’s tenure is one of the most controversial issues in education today. Many people argue that it protects teachers from being fired for personal or political reasons, and prevents the firing of experienced teachers to hire less expensive new teachers. Before tenure was in place, teachers would be fired if a new political party took office or even if the principle wanted to make room for a teacher friend. Tenure adds stability for the community around it because teachers with long careers are known and trusted throughout the community. Proponents also say that eliminating teacher tenure would discourage people from entering the teaching profession. Many people would decide to invest their talent in a more securable profession rather than risking their future on what could be a future pink slip. Having less talent in the teaching field would greatly impact education in a negative way. It would reduce innovation in teaching because many teachers’ lesson plans would become skewed towards the standardized tests in order to keep their jobs. Standardized test should not be the reason a teacher loses his or her job, but no teacher should have the luxury of having guaranteed job security. According to the pro-education reform documentary â€Å"Waiting for Superman,† only one out of 1000 teachers is fired for performance-related reasons each year. Teachers with tenure are the older and more experienced teachers. Although they may have experience, their age may be a downfall in their teaching tactics. The older a teacher is, the less energy they have for holding the attention of the class. Especially in the technological age, teachers must be not only energetic and relatable to their students, but they must also be computer savvy. Every classroom now a days has either a computerized white board, projector, or even a class set of laptops. The future of education relies on technology and many teachers that hold tenure have not grown up around such technology. This restricts them on their ability to utilize technology in order to relate to their students. With the high school drop out rate increasing each year, teachers must be well equipped with skills of not only the Internet, but also power points, online lectures, and also online tutoring that all their students may have access to. Society has risen the new generation of students to live off technology. Hardly ever do students look something up in a book rather than resorting to Google to find their answer. In a result, teachers that are younger with less experience in the classroom, tend to have more experience with the technological tactics of learning that many present day students prefer. Relating to the students learning habits is crucial for their future success in higher education. Firing a teacher with tenure is a very long and difficult process. It may take up to a year before the courts become involved before a teacher may lose their tenure. Teacher tenure requires schools to make long-term spending commitments and prevents districts from being fiscally flexible. Teacher employment contracts generally lack provisions for declining enrollment and economic turmoil. As a high school student, I saw many first hand accounts on the effects of tenure. Although it does affect teachers the most, the community around the school may be affected as well. While I was in high school, our school experienced many of our most talented young teachers being â€Å"pink slipped†. Many of the teachers being fired were the most respected around the campus, being favored by the student body by the way they could relate, and teach a subject with such interest. The majority of the school was outraged that many of the younger teachers were being fired rather than the uninteresting older teachers that did not get through to their students as well. The issue began to enter the classrooms affecting the learning of the students. The problem resulted in an organized â€Å"walk out† were the majority of my school walked out of their classrooms in an attempt to save the jobs of their favorite teachers. Although teachers tenure may create stability in a community, fair job protection, and an attractable job profession, tenure must either be eliminated completely, or much more difficult to acquire. Teachers in the K-12 must be held to the same requirements as a college professor in order to acquire tenure. Acquiring a tenure in college requires not only participation in the classroom for a certain amount of years, but also contributions to their given field and accomplishments they make in their long career. Teachings in the K-12 are usually held to the standard of working for two to seven years and then being rewarded job security. By being able to acquire tenure so easily, the education system as a whole suffers. With less talented teachers having secure jobs, students do not learn as efficiently which contributes to the lack of college degrees in America. Education as a whole is the most important issue for America’s success. In education, learning does not start with the student, but instead the tools they are given to succeed. We must either eliminate tenure, or raise the difficulty of acquiring such job security for the betterment of our future leaders.

Adversarial and inquisitorial criminal justice Essay

Adversarial and inquisitorial criminal justice - Essay Example There are two systems that are utilized in the administration of criminal justice: 1) the adversarial system (also called accusatorial), and 2) the inquisitorial system. This paper aims to present the difference between the two systems in relation but not limited to the purpose, who are the parties involved, what are role of the parties involved, and the rules involved in the criminal procedure towards the attainment of their aim.Once a crime has been committed, the criminal justice is initiated by the filing of the complaint or criminal action by the victim (called the plaintiff in the complaint) to the police or to the prosecution, against the accused (called the defendant in the complaint). The different steps or procedures undertaken from the filing of the criminal complaint, trial by the court of the case, and to the conviction or non-conviction of the plaintiff is called the criminal procedure. After the complaint has been filed, the next step in the criminal procedure depends on the country of the court where the case was filed. In England and Wales and other common law countries like the United States of America for example, criminal proceedings are sometimes referred to as an adversarial system. 1 In this system, parties to a controversy, develop and present their arguments, gather and submit evidence, call and question witnesses, and control the process within the confines of certain rules and regulations.2 On the other hand, the inquisitorial system which is employed on the continent of Europe among most (but not all) systems of civil law, the conduct of investigating the case, gathering of evidences, and questioning of witnesses is the sole responsibility of the judge of the case.3 While the judge or jury in the adversarial system is a passive recipient of information4, which means that he will only know the facts and arguments of the case during trial, the judge/s play/s much more active roles in the criminal process in the inquisitorial system that include investigating, collecting of evidences, and questioning of witnesses.5 The most striking differences between the two can be found in criminal trials. In the Anglo-American adversary system, the parties to a dispute (plaintiff and defendant), or their advocates (prosecutor and defense counsel), square off against each other and assume roles that are strictly separate and distinct from that of the decision maker that is usually a judge or a jury.6 Each party has to develop and present arguments supported by proofs. In the United States for example, the prosecutor (counsel of the state and in behalf of the plaintiff) will be the first one to present his arguments and evidences to support his arguments. His purpose is usually to prove and convince the judge that the defendant (or the accused) really committed the crime and should be penalized. After which, the defense counsel will also present his arguments and evidences to prove the innocence of his client (the defendant). After the presentation of arguments and evidences by parties, the direct examination and cross-examination follows. The prosecution and the defense counsel will have the opportunity to examine the evidences and witnesses presented by the adverse party to illicit further information and to determine the veracity and truthfulness of the evidences presented. The adversary process is governed by strict rules of evidence and procedure that allows both sides equal opportunity to argue their cases and to ensure that the decision of the judge is based solely on the evidences presented.7 If both of the parties already rested their case, meaning when direct, redirect, and cross-examinations are over, it is where the function of the judge enters. The judge should decide based from the merits of the case presented before him, whether to convict the defendant-accused or to set him free.

Ethical Marketing Solutions Essay Example | Topics and Well Written Essays - 750 words

Ethical Marketing Solutions - Essay Example While the easiest solution for all these ethical issues is to tackle them head-on, it becomes complicated when the companies consider the profits they make. Best way for McDonald’s to tackle the obesity problem is to stop making fast foods altogether. The problem comes in when this is their main commodity and all their food chains around the world deal in fast foods. Several lawsuits against McDonald’s have been listened to in court but they end up paying for damages instead of being stopped from making these deadly fast foods. In appropriate adverts are trending worldwide with huge companies selling their products through sexual appeal and violence. All these should receive bans in order to be ethically appropriate but they prefer the market coverage to the ethics. Cigarette manufacturer, Philip Morris is the fifth most unethical company due to its marketing strategies. In the past, the company has targeted children and exploited their vulnerability to addictive habits. The company has also employed underage girls to handout free Marlboro cigarettes to children at clubs and concerts. On top of this unethical marketing, the company issued a report in the Czech Republic saying that premature smokers deaths have ‘positive effects’ because they save governments money (actionforourplanet.com, 2013). The above-mentioned company is my point of interest in this study, just as part of the ethical issues associated with tobacco smoking. An epidemic broke out in the year 2003 known as severe acute respiratory syndrome (SARS). This syndrome caused thousands of death and the world health organization had to respond in finding the causative agent. The disease vectors discovered originated in a country that was hesitant to ban their production. They were still smuggled out of the country in order for the company responsible to cut their losses. After the vectors landed in another country, they were legally on sale therefore

Safe Sex Essay Example | Topics and Well Written Essays - 500 words

Safe Sex - Essay Example It is very important to indulge in safe sex and one common way by which people can indulge in safe sex is by the use of condoms. The best way that most people omit is the avoidance of anal and oral sex. One must not forget that, in fact anal sex is considered to be illegal. This doesn't mean vaginal sex is free from diseases. However a condom provides safety to a great extent and to be extra protected, two condoms at one time would surely keep one tension free. Another way is by the use of contraceptive pills and in cases of emergency, when one has forgotten to take precaution, an emergency pill can be taken. However, contraceptives and emergency pills can only protect against pregnancy and not against STD's. STD's can be transmitted by any of the three ways, oral, anal or vaginal sex. Hence it is extremely vital to use a condom. Most of the Sexually transmitted diseases are non curable and some of them can have dangerous consequences on health. The worst part about having being affected by and kind of STD is that the person is not even aware that he is suffering or has been infected with a disease. This is because sexually transmitted diseases barely have any symptoms that show. Another problem with unsafe sex is that many women use contraceptive pills or birth control pills in the fear of getting pregnant.

Resistance to Change and Rapid Change Coursework

Resistance to Change and Rapid Change - Coursework Example Once such absenteeism takes place, there becomes lack of consensus to the change agenda and the subjects in turn refuse to see the need to corporate. In another breadth, resistance to change takes place because subjects develop suspicions of unfairness in regards to the changes that take place. Commonly, resistance happens through the development of organizational conflicts (Jim, 2001). Also, resistance may happen through a lack of commitment towards new regulations that are spelt out in the course of the change. What is more, resistance take place through absolute disregard and disobedience to the instructions associated with the change. To address the issues of resistance to change, managers are advised to understand why resistance would take place and a will power to address the issues head-on. A democratic organizational decision making system that takes up the interest of all stakeholders on board is for example suggested as a very useful strategy in addressing the issue of resi stance to change. This strategy is sure to work because it seeks to bring all people on board ahead of the change implementation. Once everyone gets satisfied with the need for there to be change, they are left with no other choice than to heed to the changes (Bill et al,

Popular Music and Its Use in Propaganda Essay Example | Topics and Well Written Essays - 2500 words

Popular Music and Its Use in Propaganda - Essay Example The observation was also conveyed that pictures of violence are prominent in song descriptions especially for the rock genre. The report was purportedly to show the destructive repercussion of popular music on the juveniles. (Music's Deadly Influence. August 3, 1999. CWA Concerned Women for America. [internet]). Another paper says that on a daily average, two and a half hours are being spent by teenagers listening to music more than half of which containing allusions to drugs and alcohol. (Parker-Pope, Tara. Under the Influence of...Music February 5, 2008. The New York Times. [internet]). How popular music sways the human individual was once explained by the philosopher and composer Theodor W. Adorno in that mass habitual listening first results into the tune being first perceived, then recognized and finally accepted. That cycle finally ends singly in acceptance and becomes a way of everyday life. It was on this premises that Adorno, together with his friend Max Horkheimer, likewise a philosopher, strongly argued against the aspect of popular music having the tendency to be used for propaganda purposes. (Adorno, Theodor W. assisted by George Simpson. Theory about the listener. Institute of Social Research. New York. 1941. soundscapes.infor [internet]). Music is admittedly universal and is estimated to have started its development as early as fifty thousand years ago in Africa and must have undergone numerous evolutions as generations come and go. (History of classical music traditions. Wikipedia. [internet]). Naturally, genres and styles likewise crop up and fizzle out. Music itself in general could have already been used in announcements, declarations and in other forms of communications for thousands of years, that is, even before the emergence of pop culture. Known is the fact that music has been historically linked with political and social activities, including dynamics in expressions such as those pertaining to anti-war themes, patriotic songs and other varieties of delivering a message. In these instances, since the object is the people, the song or music must be one readily acceptable by the masses. (Music and politics. Wikipedia. [internet]). In the specific case of popular music, if indeed it is a valuable tool for propa ganda, then its use for that purpose must have already traversed the period from the middle of the 1950's or even before and up to the present. Presidential candidates in the United States of America have oftentimes used well-known songs in their political campaign or propaganda. The themes can vary from political platform or planned programs of government to direct or subtle character assassination against the adversaries. Music in politics has been used even during the time of George Washington, the first president, whose supporters had flutes blown out while rejoicing when the general was unanimously nominated. John Adams and Thomas Jefferson had also their campaign songs, ironically composed by the same talent, in the election of 1800. Eisenhower, Franklin Roosevelt and John Quincy Adams likewise had their own. William Henry Harrison famously campaigned with the song entitled Tippercanoe and Tyler, Too; he had other songs for his political advertising one of which attacked Martin Van Buren as someone like Satan. Franklin Roosevelt

Case analysis--- intercultural communication Essay

Case analysis--- intercultural communication - Essay Example The term globalization can be defined on the basis of four elements such as network extensity that facilitates connecting with different organizations, countries and people located across the globe, interaction intensity in such networks, speed of movement of such people, products, information across the globe, and the impact that is caused on various communities due to such a trend. In the context of globalization there often exists dilemma amongst the companies as to follow the ethical standards that are set in their home country or to adapt to the cultures and ethics of the local country so as to sustain its business operations (Varner & Beamer, 2011).One of the most renowned companies in the technology sector that faced such a dilemma was Google. It is the largest search engine across the globe with a total market of 70% in United States as identified in the year 2010. The company has not only been able to achieve high performance standards and success but also have set an image of being highly ethical by nature. The company performs all its operations based on the philosophy that money can be made even without doing any such thing that is evil. The major turmoil that the company noticed was in the year 2006 with the launch of a search engine that was China based. The company’s major motive was to gain market share in China and to make the Chinese pop ulation easily access all forms of information through its search engine (Human Rights Watch, 2010). However the company in order to be aligned with the censorship laws of the Chinese government agreed on the aspect of filtering certain words and information that would violate the law. Such words majorly were those that were politically sensitive such as democracy, etc. However the company faced major challenge through this initiative as many personnel engaged in human

Gay and Lesbian Rights Assignment Example | Topics and Well Written Essays - 750 words

Gay and Lesbian Rights - Assignment Example While homosexuality did not have anything to do with communism, the power of the US was related to gender with homosexuality being seen as a surrender of one’s masculinity (Adam 56). At around this time, there was already the feeling among the political reactionaries that homosexuality would destroy the American society. This led to its repression in federal, state, and local governments across the US with authorities arresting homosexuals in gay bars. This reactionary activity meted out on homosexuals had an immense impact on homosexuals as they were fired and taken to mental institutions by the end of the 40s (Adam 57). In the 50s, gays and lesbians allied themselves to other minorities with the aim of having a liberal society, initially taking a cautious approach with the aim of ensuring survival and a reduction of hostility (Adam 60). The war had opened up increased opportunities at employment for gay people, whereas also allowing them to meet other gay people and experien ce gay culture at port cities when they were deployed. However, the end of the war brought with it a clamor for a return to the original social order that did not have a place for gay people. The tensions that arose from this reactionary attitude led to the rise of a homophile movement, especially among working class women and men who had been demobilized from the army. The most important of these movements was the Mattachine Society in 1951 in LA. The main aim of this society was to unify gays and lesbians who had been isolated from one another, education of all people on the probability of an ethical homosexual community; and assist those gays and lesbians under oppression. However, the movement reversed its objectives under pressure in 1953 to a low-key movement looking for accommodation. The homophile movement was again revamped with the entry of the Daughters of Bilitis (DOB) in 1955 (Adam 64). However, it was also more inclined to fighting for accommodation until the terror fr om the reactionaries subsided. By the 1960s, the homophile movement, had become part of the larger social upheaval and was not satisfied with simple accommodation and assimilation (Adam 68). The Beats movement of the 60s gave rise to cultural dissident zones in New York and San Francisco, including gays and lesbians. This increased the boldness of the DOB and Mattachine movements, which expanded to major cities across the US, only to be met with resistance again, especially politically. However, taking a leaf from the Civil Rights Movement, gays, and lesbians also began to call for their acceptance as full equals (Adam 72). In Making History: the Very Mad Scientist: Frank Kameny, the author also discusses the effects of the end of WWII on gays and lesbians, especially after they were fired from government and military positions. One of the people who suffered from this action was Frank Kameny, who grew up in New York before moving to Washington D.C. after completing Ph.D. studies at Harvard. The U.S. Army Map Service soon employed him before being fired in 1957 (Marcus 94). After attempting to get his job back for three years by himself, he finally decided to join up with other gay and lesbian movements. He joined Jack Nichols in 1961 to form the Washington D.C. Mattachine Society, which brought him to the attention of the FBI. Frank was soon to take part in protests, become involved in court cases, confrontations, and a constant subject of FBI surveillance. In 1957, he was called back from an assignment and accused of being gay, which was visible from his frequent visits to gay bars. This resulted in his being served with notice that he was to be fired for being a

3a ICT edexcel Essay Example for Free

3a ICT edexcel Essay I have a mobile phone which I use to communicate. I use it for texting and calling people. My phone has Wi-Fi, Quad-band, infra-red and Bluetooth. I use my phone nearly everyday. It has messaging, games, the internet, a camera, a video recorder, music organiser, alarm diary, calendar, a contact diary, so that I don not have to remember peoples number and some safety features such as a pin so that if it gets stolen it is not useable. I think that my phone is good but it is difficult to use because I does not have the internet which is a disadvantage but the advantage is it does what I need it to do. It meets these needs by allowing me to communicate and it but other things such as walkie-talkies and laptops would be able to do exactly the same thing and they have no tariffs and lower radiation. Disadvantages A phone can give you brain and head damages because of the radiation, bad eyesight; bad hearing and they are quite expensive. There are also high tariffs and while you are using one makes it harder to concentrate on other important things. Internet We use the internet for many things such as research, playing online games and downloading music. There are millions of sites and search providers that give you easy access to any information that I might need. I can also download files from the internet using a sharing system. Disadvantages The major disadvantages of the internet are the decline in the number of people that go to the library and also the amount of unwanted information that is on the internet. Another thing is that it might get overloaded with information Email / MSN E-mail is the most widely used service from the Internet today. It allows people to send and receive Emails from anywhere in the world. It is much faster than normal post and it is also cheaper. To use it you need an internet connection. This is the same with MSN but on MSN you use instant messaging which means you know that people will receive your email straight away if they are online too. Disadvantages The disadvantages of email are that you can always have a better version, and also if you are just emailing then it may take some time for the recipitant to reply. The disadvantage with MSN is that it gets annoying when people constantly IM you when you are trying to do other things and it also uses up a lot of space to the memory. Personal Ipod Video Uses I use my Ipod every day to listen to songs, play games and watch videos. I also have a contact list on there so if I forget my phone I will still have people numbers. My ipod holds up to 30GB of songs or videos or games. Disadvantages The earphone can give you a perforated eardrum and the quality of the screen is not as good as a TV and the battery life does not last long. Computers Uses I use computers for loads of things, including emailing, listening to music, watching videos, working and communicating using the internet which lets me get any information that I need. I use my computer every day. Disadvantages My computer takes time to load up and it has to stay stationary unlike a laptop. It does not have much memory which makes it slow to download and upload files. However it meets my needs as I am able to do the things I bought it for. Other major disadvantages are that: its expensive, you need to learn how to use it, it is often slow, it uses a lot of electricity and there is always a better and cheaper version of your computer that comes out after you have bought yours. Psp The Psp is a games system which plays games and videos using UMDs (united media disks). It also can store music and pictures so it doubles as a memory stick. It meets my needs by allowing me to access the internet and email people like a laptop does and it lets me play games portably. However the Nintendo Ds does the same thing just as well and it has the advantage of being able to move while using the internet. Disadvantages The disadvantages of the Psp are that you cannot move while using the internet, you cannot play ps2 games or normal movies on them and you and the games are very flimsy. Also to be able to save things you need a memory card and these cost quite a lot of money especially for a 1GB card. School Microsoft Word Microsoft word is a powerful word processor made by Microsoft used for creating documents such as letters, brochures, learning activities, tests, quizzes and homework assignments. There are many powerful features available in Microsoft Word to make it easier to learn for students with disabilities. I use words mainly for homework as it is easy to use and it can check any spelling mistakes that I make. It meets my needs by allowing me to input information and edit it to make it more presentable. It also lets me create posters and has a drawing toolbar which lets you draw lines and AutoShapes. It also recovers documents if your computer crashes which I find very useful. Disadvantages The disadvantages of Microsoft word are that you have to learn how to use the software before you start because it is quite complex and many of the highlight colours just don not stand out; you are restricted to a single row of custom buttons. Projectors We use projectors in school to be able to show the whole class the work that we are doing or PowerPoints and basically anything that is on the computer. I do not use projectors that much, but it meets the needs of a teacher by making it easier to display the work on the board instead of having to write it. Other things that can be used to do the same job are overhead projectors and Smartboards Disadvantages The disadvantages of a projector are that it is very high up and hard to turn on and use without a remote and the remote is small and very easy to lose. There are also a lot of wires that have to be installed properly and if they are not then the wires are a health and safety hazard and they also look untidy. Smart Boards Uses Smart board are like whiteboards which are connected to the computer by a number of wires. The smart Board interactive whiteboard is a product of SMART Technologies. It is a large, touch-controlled screen that works with a projector and a computer. The projector shows the computers screen onto the Smartboard, which acts as both a monitor and an input device. Users can write on the interactive whiteboard in digital ink or use a finger to control computer applications by pointing, clicking and dragging, just as with a desktop mouse. Buttons launch a popup keyboard and a right-mouse-click menu for more input options. The Smartboard interactive whiteboard in our classroom is on a wall. It meets the need of the teacher like and other whiteboard does but is allows the teacher to control what is written via 2 different inputting devices Disadvantages The disadvantages of a Smartboard are that at first they are difficult to use and can often get frustrating and the board can not be used with any other pen, which means that if you lose one then you cannot use any other coloured as the computer can tell that the pen is gone and will not allow you to change colours. Or if the rubber is out of the pen tray then it will only rub out.

Corporate Social Responsibility Essay Example for Free

Corporate Social Responsibility Essay Today doing business is no longer a matter of creating the best products or making the most profit, it has developed to a matter of how? Due to scandals including child labour, poor working conditions and neglect of safety and health regulations, companies worldwide have been forced to revaluate their moral and ethical standards. Consumers are now caring about much more than just the product, which compel companies to monitor manufactures, secure labour standards and to be aware of the environment. This new phenomenon is called Corporate Social Responsibility or by its shortening CSR. Some companies like HM or Zara have rejected to be involved in CSR. Others have taken CSR to a whole new level. Nike Inc. has during the past years not only followed the recent development within CSR but the apparel mastodon has also evolved to be a role model. Nike has as many other companies renewed their supply chain and methods of manufacturing. Their newest motto â€Å"Innovative for a better world† describes their efforts at the most, but their new system of ranking manufactures, their Materials Sustainability Index that provides designers with information on the potential environmental impact of the products they use, recycling program of old shoes and their new manufacturing process of their recent shoe â€Å"Flyknit† with minimal waste speaks for it self. Nike has with these investments proved they are willing to â€Å"Innovate for a better world† but how does it affect Nikes marketing environment and will these investments comply with the overall concept: Making money? Nike is market leader within athletic products worldwide and is considered the 26th most powerful brand by Forbes. The athletic brand has an annual turn over on 21.8 billion dollars and spends 2.7 billion dollars on advertising every year. The importance of Nike is not to be mistaken. Therefore their latest investments in CSR are a huge boost to the issue. Many huge companies such as HM and Zara have rejected to invest in CSR although their have been numerous scandals of poor working condition and child labour, which shows not all companies are willing to invest in sustainability and social causes. Nike has actually been involved in such  scandals, but denied all accusations. Nike has however with these new methods shut up all the critics. The company has been known for innovate shoes and closes to new standards and has used their strength in innovation to create new business methods: â€Å"Our vision is clear: to help NIKE, Inc. and our consumers thrive in a sustainable economy where people, profit and planet are in balance† . Nike is, according to this quote, trying to accomplish the almost impossible and create a win–win situation for the company it self and its marketing environment. But is this possible? I believe so! They have created better work conditions for employees of their manufactures because of the pressure Nike has put on theme. Nike rate the manufactures with gold, silver and bronze medals and have set the goal of all manufactures should have a bronze medal by 2020. And although Nike has made huge investments in innovating their products to new manufacturing and product standards with focus on low environmental damage and a lot of recycling and therefore probably raised their prices, consumers actually stand by Nikes new methods although raised prices usually do not get the approval of the average consumer. Nikes revenue has increased from 18,528 million dollar in 2009 to 25,313 million dollar in the fiscal year of 2013. This could be caused by the increased prices of their products but Nikes return on invested capital has followed the same development and has increased from 17.8 % in 2009 to 23,8 % in the fiscal year of 2013. What is more, all this is accomplished during a very difficult financial period, which only gives Nike extra credit. Furthermore Nike is increasing the competitive situation when they implement other competitive parameters than just product or price. Nike is also forcing the consumers to make a choice: Cheap products manufactured by brands, who do not have the same CSR – profile as Nike and therefore do not care about sustainability, the environment or employees of the manufactures, who often work under poor conditions and put their lives on the risk every day, just to make some close or Nike who are trying to do the right thing and change these things. I am a big fan of Nike’s new manufacturing methods! They seem to have made  the impossible and made a win – win situation. They keep innovating new clothing and shoes, which becomes popular the moment it hits the market. And they accomplish this wonder contemporary with investing in better work conditions, sustainability and low environmental damage. Additionally they keep improving their accounting figures, even in difficult financial times! Absolutely amazing in my opinion! B: Blog Then it happened again. A huge company forgot to do their research properly. We have seen it before when the Japanese car manufacturing giant Mazda named their car â€Å"MR2†, which means faeces in the French language or when Warner Brothers named their new big movie wonder â€Å"Free Willy†, which is not the nicest word in the British language. This time it was the American athletic brand Nike, which released their new shoe â€Å"Black and Tan† close to St. Patrick’s Day. It was a tribute to the huge beer brewery Guiness, which also inspires the shoe, which includes an illustration of a beer in the sole. Usually that kind of shoe would have been popular among the beer loving Irish people. But Nike’s marketing people forgot one thing: The Black and Tan was a violent British paramilitary, which ravaged the Irish independence wars and among this the atrocities of Bloody Sunday. Not a name you want to use for a shoe honoring the Irish peoples most favo rite company. And Nike has experienced the consequences of the mistake. Nike has put a lot of money into innovating and advertising the shoe, which only makes the fault bigger. Some simple research or a Googling of â€Å"Black and Tan† could have averted the problem. Nike has now made a shoe to tribute Guiness that they cannot sell in Ireland. It may have ruined Nikes reputation and brand in Ireland and it has cost Nike million of dollars in manufacturing the shoe and may even cost billions of dollars in losses of future sales in Ireland. Hopefully Nike and other companies have learned their lesson and in the future understand the importance of cultural research.

Impact of Sex Tourism on Thailand

Impact of Sex Tourism on Thailand The purpose of this project is to provide an overview of the sex tourism industry in Thailand. Moreover, discuss what it is as well as consider the motivations behind it. This paper will also focus on the benefits and disadvantages, particularly the domestic social consequences of sex tourism within Thailand. The accessibility problem of the tourism industry has caused prostitution to grow steadily throughout many parts of the world and includes men (Garrick, 2005), women and children. Furthermore, the sex tourism is a major source of abuse that goes beyond professional ethics and legality. Although prostitution is legal in some countries, it thrives regardless with children, women and men involved in this ubiquitous profession legally or illegally. Nowadays, sex tourism is one of leading commercial industries that lurk in almost every business. Good or Bad? This research will show how the negative effects of sex tourism far outweigh the benefits. Many organizations, both public and private collaborations, are against sex tourism, even though Thailands revenue comes from sex tourism more than other business (Rao, 1999; Sharpley Stone, 2009). However, there are many supporters such as restaurants, hotels, resorts and tour agencies that could lose a lot of money from this veiled industry if the resisters decide to eliminate prostitution, but such actions can possibly decrease the rate of abuse and diseases, especially AIDS(Prideaux, et al., 2004). Keywords: tourism, sex tourism, child sex tourism, sex tourist, push and pull factor, Thailand, prostitution, AIDS INTRODUCTION The international tourism industry is blooming. Tourism is the worlds most important industry which is growing rapidly and increasing every year. In the year 1972 to 1976, Thailand is one of the countries that have experienced tourism growth since the first Thai tourism plan was set up in 1976 at the end of third National Economic and Social Development Plan (NESDP) (Chaisawat, 2005). Thailand has become one of the best known, and most sought after, international tourist destinations. Thailand is a country with long history and it is also a beautiful city, the attraction of the scenery in Thailand where not less than the other country (Nations Online, 2010).ÂÂ  Moreover, Thailand is probably one of the most well-known spots for the perfect beach paradise. Its natural beauty makes it perfect for people seeking a little hideaway (Beachden, 2010). Thailand has become the most popular tourist destination in South East Asia. Tourism has become Thailands leading source of foreign exchange, and thus plays an unquestionably important role in the Thai economy. At the same time, Th ailand is suffering from many of the negative aspects of tourism, including prostitution, drug addiction, AIDS, erosion of traditional values, increases in the cost of living, unequal income distribution, rapid increases in land prices in some locations, pollution, and environmental degradation (Prideaux, et al., 2004). According to Crompton (1979, pp.408-424) states that the push factors for a vacation are socio-psychological motives, for instant people go to aboard that because political crisis in Thailand, it also include terrorism in three province of Sotherns border. The pull factors are motives aroused by the destination rather than emerging exclusively from within the traveller himself, such as visitor come to Thailand for sex trade . People travel for many reasons. In addition, sex is not the main reason, but it is a relative factor for motivating people of all ages and nationalities to turn more towards traveling (Sangpikul, 2008). Anyway, no one can deny that sex is not a motivating factor (Hall, 1996).The number of international tourist arrivals to Thailand are more male than female tourist. According to UNWTO reported that in the year 2008, the number of international tourist arrivals in the year 2006 to 2008 was increased (UNWTO, 2009). Several tourists have the same objectives that are encouraged for have a sexual intercourse. However, Thailand has been involved with a kind of tourism called the international sex tourism (Pettman, 1997).The relationship between tourism and sex can be described as the seeking of romance as perhaps a precursor to sexual activities play as motivators for travel; the nature of the encounter and the role played by tourism as facilitators of romantic and sexual encounter. The purpose of this report is concern of the sex tourism in Thailand. Beside, this essay would like to describe and to discuss in the advantages and disadvantages of sex tourism to tourism industry in Thailand. WHAT IS SEX TOURISM? Sex tourism is a very lucrative industry that spans the globe. Of course, the burgeoning sex industry has its dark sides (Rao, 1999). But as sex is a human need and prostitution is here to stay, we should think about a pro-active and realistic approach to deal with the situation. Although, sex tourism is the part of dark side but the earning is come from sex tourism more than other tourism (Sharpley Stone, 2009). The statistics cannot be shown how much of the percentage constitutes tourists who come for sexual services. Nevertheless, it the high male sex ratio is associated with sex tourism, and then the trend is increasing rather than decreasing. Sex tourism, present throughout the world, is particular prevalent in Southeast Asia, where the connected problems of human trafficking, AIDS, and poverty, continue to flourish and claim lives at unprecedented rates( Croughs et al, 2005). According to Jeffrey (2003, pp.224) is defined sex tourism has generally been applied to behavior of tourists whose purpose is to engage in commercial sex with local women in tourist destinations, it can have a wider application. Moreover, sex tourism asÂÂ  travel undertaken primarily or exclusively by men from developed countries, usually to third world countries, for the purpose of engaging in sexual activity, often of an extreme, forbidden, or illegal nature (Travel Industry Dictionary, 2010).In other word, sex tourism as consisting of people from economically developed nations travelling to underdeveloped countries specifically to purchase the sexual services of local women [and men], it embraces a far broader range of people, activities and location (Enloe,1990). For others, however, it means purchasing sexual services from a woman, man, or even a child, and imagining themselves as Love Gods. It cannot be denied that the sex tourism industry has diversified beyond the tradi tional conceptualizations that label it as a predominantly patriarchal form of exploitation and leisure (Garrick, 2005). Sex tourism includes domestic sex tourism, which is travel within the same country, or international sex tourism which involves travel across national borders. It is a multibillion dollar industry that supports an international workforce estimated to number in the millions (Revista, 2002). It has been argued by some people that sex tourism benefits not only the sex industry but also the airline, taxi, restaurant and hotel industries (Jones, 1946-2006). Human Rights organizations warn that sex tourism contributes to human trafficking and child prostitution (Guzder, 2009). Seriously, child sex tourism is involved to the sex tourism. Even though,ÂÂ  ECPAT (End Child Prostitution and Trafficking) as the international organizations that care about child prostitution.ÂÂ  And children illegally brought into the profession to see that, in third world countries are tourism promotion mainly to do with the sun, sea and sex that intended for tourists to have sex (ECPAT International, 2010). Mostly from developed countries such as Australia, New Zealand, English, French.ÂÂ  As well as some of the developing countries like China, Malaysia, Singapore, tourists are concentrated in large areas such as Pattaya, Manila, Phnom Penh as a tourist destination with heavy clubs and bars, as well as other entertainment venues. Who is a sex tourist? According to Rao (1999, pp.96) it is a man who is going through a mid-life crisis, who has been disenchanted with his enjoyment of life due to feminism and womans liberation rhetoric; a man who is tired of taking a politically correct position on his sexual preferences because of social pressure sex tourist can be a worker, professional, or manager, but all of them want to feel like real men. Moreover, a good definition, those who travel to a country for the sole purpose of having sex, see it as an opportunity, or even an entitlement, to have sex available for less money than they would pay at home. Sex tourists trend not to differentiate between buying groceries, and going to the brothel to buy sex-both provide someone with economic sustenance. They perceive that those involved in the industry are making a choice to sell their service. Sex tourism in Thailand in the past found thatÂÂ  tourism is related to the sex, activities or services by prostitutes. In the past, sex tourism in Thailand that often seen in cities or large cities such as Bangkok, Pattaya, Phuket, Chiang Mai. Presently, the sex tour was hidden to the general tourism such as festival; Full Moon party at Kho Phangan is located on southern of Thailand. Thailand and the Philippines, sex shows are presented with the primary purpose of gaining pleasure simply from watching (Latza quoted in Opperman, 1999). From this Opperman subvert the original definition by asking what the criteria are for definition sex tourism. Would oral sex, hand jobs, or watching a sex show be enough to qualify a tourist as a sex tourist? BENEFITS ARISING FROM SEX TOURISM Ryan and Kinder (1996, pp.516) argued that to regards sex tourism as some form of deviance, as something that foreign to the intrinsic nature of tourism, is mistake. However, it is important to note that prostitutes are the key ingredient in the sex tourism industry (BirdDonaldson, 2009). The prostitution is one occupation that has the longest and ancient history in the world. It was recovered that after shuffle goods system or origins money goes up by give a woman engages in sexual intercourse with the other(except her spouse) for religion reason, for show arrive at having mind generousness to welcome visitor, show arrive at the worth of bring governor of a province (Taylor, 2006). Prostitution in Third World and emerging Nations, disregarding the subsistence economy (economical method which except for exchange of goods embarks the purpose to cover the personal requirements) and the development of the rural areas by falling row material prices on the world market and the subsidization individual exporting business sectors leads to a growing depletion of the rural population. As in many of these countries tourism makes big part of the cross national product more importance is attached to the development of mass tourism rather than on other essential measures to counteract the depletion of big parts of the population (Taylor, 2006). Thus the number of women and men prostituting themselves in emerging countries grows in parallel in the same measure as tourism increases. In most of these countries, same as in Thailand, prostitution is forbidden. However the service providing women and men are the ones suffering from these restrictions (Taylor, 2006). As the device bringing foreigners must not be scared off long term suitors only have to reckon with penalties rarely. Due to this poorness in these countries a growing migration into cities can be observed. Many countrymen flee into the cities as there the chances for economical success and covering the family is bigger than in the infrastructural neglected rural areas where they derive from. Poorness, missing education, lack of jobs, no alternatives in career, low wages and missing social coverage are the main reasons for the growing number of prostitutes. Prostitution for foreign visitors developed into a major industry, although official Thailand shrouds its economic and social significance in misinformation and variety of interesting hypocrisies. Prostitutes come mainly from poor northern Thailand; however, there are now some educated prostitutes coming from the cities, as well as prostitutes from all neighboring countries and even Eastern Europe. No one can deny a lot of earning is come from sex tourism more than other industry. Although, the prostitute is rapid growth same as sex tourism but it a quite good signal that it also mean many tourist come to Thailand and high exchange rate within Thailand. Concisely, Sex tourism has become a major source of income in some countries, particularly those with poor and underprivileged sectors, to the point that some countries have even tried to promote the business (Nuttavuthisit, 2007). In addition to the sex tourism related with hospitality industry, they are get the revenue and more people are employed from sex tourism, such as restaurant, bar, hotel, massage etc.ÂÂ   The one reason is sex worker and sex tourist will negotiation in those place then they can get money from all service which they sold their product. For instant, the prostitute and sex tourist are communicate by website or web board on internet, after that they have appointment in some restaurant. While they made negotiation in their business that they have to order something to eat or drink. That is why everybody can get income when the sex tourists come to Thailand for sex trade. DISADVANTAGE OF SEX TOURISM IN THAILAND Internet has provided a convenient marketing way that is accounting for the recent rise in sex tourism. Websites provide potential sex seekers with pornographic accounts written by other sex tourists. Here can be found details of sexual exploits with information on sex establishments and prices in various destinations and how to specifically procure prostitutes. Sex tour travel agents even publish brochures and guides on the Internet (Chow-White, 2006). Governments in need of income from the sex tourism turn a blind eye to the sexual exploitation. Moreover, sex tourism on the internet is at the confluence of issues of race, gender, sexuality, technology and globalization (Chow-White, 2006). Increasingly, information and communication technologies(ICTs), such as the internet, are playing a particularly significant role not only in the promotion and packaging of sex tourism but a new type of global surveillance of bodies, race and desire(Gabriel,1998;Ware Back, 2002). In contrast, prostitution tourism has been promoted by the Government in the Philippines because of its profitability. Income generated from visitor arrivals in 1992 was US$1.67 billion and in 1993 was US$2.12 billion (Jeffreys, 1999), but sex tourism in Thailand is illegal in some business so the Thailand tourism authority (TAT) cannot promote same as Philippines. Moreover, Thailand is the root of Buddhism. The sex trade is wrong ethic. In other word, to the common opinion prostitution in Thailand is due to the informal handling of sexuality or has its roots in Buddhism, prostitution was imported by Chinese guest-workers. At the beginning with Chinese women which were in the course of time more and more replaced by locals. The degree of prostitution as it can be observed in Thailand today is a direct consequence of the Vietnam War. Many of them are forced to become what is known as, ÂÂ  Bangkok Tour GirlsÂÂ  .This form of exploitation is not only limited to local prostitution but has paved way for sex tourism, earning Thailand the notorious distinction of Brothel of the World. The sex tourism statistics of Thailand invite worldwide criticisms. Among these, one third fraction is minors. There are absolutely no records indicating the number of Thai women and children being trafficked to various other countries in Asia, US, Australia and Europe. The sex industry in Thailand generates fantasies. There are the fantasies of pliant girls which draw the western sex tourists, and then there are the fantasies of lurid exploitation which draw the western sex tourists, and then there are the fantasies of lurid exploitation which draw the western moralizers and NGOs. But what is the actual scale of prostitution in Thailand? And how serious is the trafficking problem? Many organizations, both public and private collaborations, are against sex tourism, even though the revenue comes from sex tourism ore than other tourism. However, there are many supporters such as restaurants, hotels, resorts and tour agencies that could lose a lot of money from this veiled industry if the resisters decide to eliminate prostitution, but such actions can possibly decrease the rate of abuse and diseases, especially AIDS. Thailand undeniably has serious problems regarding the sex trade, as do many other countries. There is, however, a perception that the problem is much worse in Thailand because many people think that the country provides easy access to these types of services. Thailands sex industry has become a tourist attraction in itself, with red light districts being recommended in several reputable guidebooks (Kusy, 1991). Estimates of the number of prostitutes in Thailand vary widely and are subject to controversial debate. Although, sex tourism in Thailand is make the money more that other business but TAT still against this business that because a lot of victim of trafficking from child (TATnews, 2010). The rapid spread of AIDS in Thailand has had a decided impact on the tourism industry in that the countrys reputation for having a high incidence of AIDs discourages desirable tourists from visiting it. Likewise the tourism industry has had considerable impact on the spread of AIDS in Thailand ( McCamish, et al.,2002). Thailand has long been promoted as the sex capital of the world; encouraging tourists to come to Thailand specifically for this reason obviously brings a higher transmission of the disease from sources both inside and outside the country. It should be noted that there are other important factors contributing to the high incidence of AIDS and HIV-positive cases in Thailand which have nothing to do with the tourism industry, one major one being Thai males penchant for frequenting prostitutes both before and after marriage. Initially, the Thai government did not take prompt and appropriate action to deal with the AIDS crisis. It did not try to curtail the sex industry, believing that it would naturally fade as the economy prospered and job opportunities increased. Later, as the government began to realize the severity of the situation, it tackled the problem only by promoting the use of condoms, rather than by using a multi-pronged approach, which would have included the attenuation of the sex industry. CONCLUSION Thailand is a country with long history. There are also many interesting attractions. Contrast,ÂÂ  travelers visit to Thailand for sexual intercourse. Although, quite revenues are come from sex tourism, but it also has many disadvantages thatÂÂ  because of the rapidly growing in sex tourism same as the prostitution is the one of immoral. Otherwise, Thailand is a Buddhist country, it made the prostitution is wrong ethic. On the other word, the prostitution is increasing due to revenues beautiful.ÂÂ  Moreover, It is easy to do and easy to get more money.ÂÂ  The people who play in the prostitution are alwaysÂÂ  forgotten Safety, such as forgot the condom that they can get easily AIDS and world widely expand.ÂÂ   Sex tourism is a significant part of Thailands economy. If governments and related agencies are collaborate in the development of sex tourism and prostitute to be legal, maybe the image of Thailands tourism will be change in the good way (Taylor, 2006). Moreover, people who work in sex trade does not have to go to abroad for done their job.

Wide Area Networks Essays -- Technology Computers Communication Essays

Wide Area Networks The creation of wide area networks links mass communication from people all over the world with a vast variety of different uses. â€Å"A wide area network is telecommunications networks covering a large geographic area.† The internet is the biggest example of a wide area network and has influenced our daily lives all around the world. Wide area networks are connected to local area networks to enable computers to share, send, and access information on a larger scale. These recent technologies over the past 20 years have affected the way we communicate, how businesses operate, and many other factors that we take for granted. Wide area networks are a fast growing telecommunications business which are developing new technologies to help people access information easier, faster with cheaper costs. Wide Area Networks and why, where, who, and how it important? â€Å"Wide area networks are used to connect local area networks together, so that users and computers in one location can communicate with users and computers in other locations. Many WANs are built for one particular organization and are private, others, built by Internet service providers provide connections from an organization’s LAN to the Internet.† WANs are usually built with leased lines from different telecommunications companies. At the end of these lines is a router which allows access and transmissions through these given lines. Through various telecommunications devices and services wide area networks are the leading technology in transmitting global information and communication. â€Å"The main purpose of a WAN is to provide reliable, fast and safe communication between two or more places with low delays and at low prices.† â€Å"WANs can be linke... ...nt to help influence the computer age into a bright, and much larger future. References Duley, CJ. WAN (2000) http://www.btinternet.com/~C.J.Duley/WAN.htm O’Brien, James A. (2004) Management Information Systems: Managing information technology in the business enterprise. Sixth Edition. McGraw Hill, Boston. Ploskina, Brian DNA Lends Hand to WANs http://www.eweek.com/article2/0,1759,1242507,00.asp?kc=EWNKT0209KTX1K0100440 August 28, 2001 Alliance Datacom: Wide Area Networks http://www.alliancedatacom.com/technologies/wide-area-network/wide-area-networks.asp Documentation. (2002) http://www.cisco.com/univercd/cc/td/doc/cisintwk/ito_doc/introwan.htm#xtocid8 Cisco Systems, Inc. Wikipedia: Wide Area Network. http://en.wikipedia.org/wiki/Wide_area_network Wireless Wide Area Networking Technologies (2004). http://www.rhowireless.com/wan/

Prevention of Child Abuse and Neglect Essay -- Violence Against Childr

Child abuse is the physical or emotional mistreatment of a child by a parent, guardian, or other person. Information of child abuse, including sexual abuse, beating, and murder, have climbed in the United States and some authorities believe that the number of cases is under reported. Child neglect is sometimes integrated in legal definitions of child abuse to cover instances of starvation, abandonment, and insufficient care of a child's safety. When reported, child maltreatment cases are intricate by poor foster care services and a legal system that has trouble obliging to the susceptible nature of children(Child Maltreatment, 2015). Every year more than 3 million reports of child abuse are made in the United States involving more than 6 million children. Behavior of the abuser has had only partial success and child safety agencies are weighed down (Lewitt, 2013). Recently, efforts have begun to focus on the primary prevention of child abuse. The leading prevention of child abuse m ust be executed on many levels before it can be triumphant. Prevention plans on the social level consist of growing the economic self-adequacy of families, disappointing corporal penalty and other forms of violence, making health care more available and inexpensive, intensifying and humanizing coordination of social services, improving the classification and conduct of psychological problems. Prevention plans on the family level include helping parents meet their basic needs, identifying problems of substance abuse and spouse abuse, and educating parents about child behavior, discipline, safety and development. Primary prevention is both the prevention of disease before it occurs, and the reduction of its incidence. In the case of child abuse, pri... ...buse_neglect.htm "Child Maltreatment: Prevention Strategies" Centers for Disease Control and Prevention. Web. 15 May 2015. http://www.cdc.gov/violenceprevention/childmaltreatment/prevention.html "The Relationship between Domestic Violence and Child Abuse" Prevent Child Abuse America 2012 Web. 23 May 2015. http://www.vawnet.org/Assoc_Files_VAWnet/PCAA_DVandChild.pdf Lewitt, E. M.. "Reported Child Abuse and Neglect." Future Child April 2013: 233-242. McKay, Michael. "The Link Between Domestic Violence and Child Abuse." New York: Macmillan, 2010. U.S. Advisory Board on Child Abuse and Neglect. A nation’s shame: Fatal child abuse and neglect in the United States. Washington, DC: U.S. Advisory Board on Child Abuse and Neglect. (1995). Rushton, Frank. "The Role of Health Care in Child Abuse and Neglect Prevention." Pediatrics, March 2014: 133-136.

A Sample and Critique of psi Research :: Telepathy Precognition Psychic Papers

"Do you remember how electrical currents and 'unseen waves' were laughed at? The knowledge about man is still in its infancy." - Albert Einstein Introduction Perception of future events (precognition), communication through thoughts (telepathy), material manipulation without physical contact (telekinesis), sight of an object or place millions of miles away with enough accuracy to draw it (remote viewing) – these are a few cases of what is referred to as "psi phenomena," also known as parapsychological or psychic phenomena. "Psi" refers to "anomalous processes of energy or information transfer... that are currently unexplained in terms of known physical or biological mechanisms."(1) Long dismissed by scientists and other skeptics all over the world, these occurrences are often attributed to trickery, hallucination, lying, chance, and even spiritual influence. Claims of psychic ability come from many varied sources. From the friend who has premonitory dreams and the dog who knows when the master has decided to come home, to the glamorous astrologer with a 900-number and the clairvoyant with a TV show, stories of paranormal abilities range from personal and thought-provoking to distant and Hollywood-esque. Are these things really possible? What does the scientific community actually know about these phenomena? Ultimately, one must ask the question, what can the scientific community know about these phenomena? This paper is intended to provide a small sample and critique of the available scientific research on these unexplained and often dismissed phenomena. The examples which form this review are: research on unexplained phenomena not associated with "psychic" individuals, large-scale research centering on many individuals with "psychic talent," and an investigation of the claimed abilities of a single internationally celebrated "psychic." Despite the historical and prevalent stigma and sensationalization associated with this field, many respected educational establishments have laboratories involved in the research of psi. The Princeton Engineering Anomalies Research program, instituted in 1979 to investigate mind-matter interactions (2); the Parapsychological Association, a 1957 offshoot of the Duke Laboratory (3); the Koestler Parapsychology Unit at the University of Edinburgh (4); and Stanford University's 1946 endeavor, Stanford Research Institute are four of these. It should be noted that Stanford Research Institute separated from the university in 1970, and became SRI International. (5) Examples Impersonal phenomena If a person is asked to identify the color of a rectangle, and is subsequently asked to read a randomly generated color name, it is well-known that a matching color name will be called out faster than a mismatching color name.

A view from the future and the medieval ages

The great publicist of the enlightenment, Voltaire, even while he advocated the widening of historical inquiry to embrace social and economic activities and their effect, strongly believed that any objects worthy of historical study were the peeks not the valleys of the achievements of mankind. l This statement shows that among the civilization that rose, the western civilization is always ahead of the other societies. There is an assumption that western civilization are progressive than Asians. In comparison to the medieval world, view, however believed in a fixed order of things and was theocratic.It is true that the western civilization started the economic and social activity through the Industrial revolution. The industrial revolution began at the United Kingdom in 1750-1850 and spread to the Germany, United States and the rest of the Europe in 1850 – 1950. And in 19502050 it expand through Asia and Brazil . lt also started the massive release of additional carbon dioxide in the atmosphere. In the comparison between Industrial Revolution and French revolution, we can see that the two have similarities.The French Revolution was a transformation in society and political. In the start of French Revolution, France becomes a monarchy. The Industrial revolution was resulted to transform agricultural economies to industrial. But it also changed the whole society. The social changes brought about by the Industrial Revolution were significant. As economic activities in many communities moved from agriculture to manufacturing, production shifted from its traditional locations in the home and the small workshop to factories.Large portions of the population relocated from the countryside to the towns and cities where manufacturing Duchesne,Ricardo, The Uniqueness of Western Civilization, KoninkliJke, Brill NV,2011 PASCUA, Diane JOY T. 2013-63299 enters were found. New groups of investors, businesspeople, and managers took financial risks and reaped great reward s. 2 There is also similarity in the Dark Ages and in the Industrial Revolution in social stratification. In the Dark Ages, Feudalism flourished in the Western Europe. It is a specific kind of decentralized government which started in Western Europe in ninth century to thirteenth. Three elements are considered in the classical Feudalism; the decentralized of government and law. 4 The lord is the most powerful in this stratification. They are the one who holds the power in economic aspects. In some cases, some lords are more powerful than the kings. While in the Industrial Revolution, industrialists, bankers and political leaders govern over the ordinary people. Industrialists hold the power in Economic aspects and they also â€Å"control† the political system because of the wealth. We can see that the power in this time is in hands of the wealthy.

Harlem Reinassance Research Muldoon

Back then, it was also well known as men New Negro Movement†, named after a famous poem titled The New Negro, written by a significant African American philosopher of this era, Lain Locke of 1925. The Renaissance involved many writers associated with Harlem, Manhattan, a ND the migration of African Americans from one part of the U. S. To another. This cultural move meet marked the first time, society as a whole noticed and focused on African American Literal ere.Although some did not believe that the Renaissance had an influence on African America an literature or the community, Harlem Renaissance became the period in which a group of Africa an American poets reduced amazing literature in three categories of art, essays, and poetry. The New Negro Movement was inspired by Marcus Graver, CEO of The Universal Negro Improvement Association (UNION), Lain Locke, the author of t he poem â€Å"New Negro†, and W. E. B Du Bois, an American Civil Rights Activists and editor. The mo vement motivated blacks and boosted their pride.African Americans now expanded their culture through deep artwork and literature. Harlem Renaissance did no t only shape American culture, but it also added its own elements to the American tradition n. It offered ewe ways of understanding and visualizing what it meant to be a black back a t this cruel time in history. Iberian, an African historian, states in his book, â€Å"Journey Thro ugh the Power of the Rainbow,† that â€Å"The best of humanity recorded history is a Cree dative balance between the horrors endured and victories achieved, and so it was d urine The Harlem Renaissance. (Iberian, 81 . ) This explained and proved that the move moment led to new philosophical ideas regarding all the conflicts African Americans expert encode in the twenties of America. This significant change in the mindset of African Name scans stuck throughout centuries and still carries on even today. Harlem Renaissance is among literary and ar tistic movements due to it's connection to Civil Rights and reform organizations. It encircled everything fro political pieces to jazz poetry. This era brings along some great poets, such as , Claude McKay, James Weldon Johnson, and Counted Culled.Longboats Hughes was by far one of the best poets on this period. The Crisis Magazine, the official magazine of National Association for the Advancement of Colored People (NAACP) that WA s mainly subscribed to blacks only. Negro World, the newspaper authored by Marcus Graver was the reason why African American writing was published. The Harlem Renaissance helped African Americans draw up a vision and gain opportunities for publications. The publications included poetry, short SST orgies, and essay sent it by black writers.This encouraged more to write and express thee r feelings through art, expression was a new way of feeling free. Harlem was described by Lain Locke (1 8861 954) â€Å"as not being the largest Negro populated community, b ut the first concentration in history of s mom many diverse elements of Negro life† (44. ) The Renaissance was related to â€Å"The New Negro 1925)† edited by Lain Locke, was the closest written statement that ideally list Ted The Harlem Renaissance. Locke promoted musicians, writers, and artist to look to Africa as an inspiration of their works.The New Negro describes the awareness and the e hope for black equality, he states no longer would blacks allow themselves to adjust themselves with unreasonable white requests. † Here he IS creating an awareness on self inference that blacks have gained throughout the years of inequality. In fact, Houston A. Baker's, in book â€Å"Modernism and the Harlem Renaissance,† indicates that â€Å"Locke success deed in writing our first national book, offering †¦ The sounds, songs, images, and gig NSA off nation. (473) Baker is praising Locke for writing the New Negro book because it represents the beginning Of the H arlem Renaissance, and African American us e it to boost their self confidence. The power in Lock?s poetry was held in people an d made them look through their actions and behaviors, and also view life from a differ perspective. Locke has a great influence on literature, and he encouraged Poe pale to illustrate African and African American subjects in their writing. It is very vivo us that The Harlem Renaissance gave black people a cultural difference through liter tauter.Literature was a great way to people used to show their emotions, pain, and motivation. W. E. B Du Bois is an African American editor and author, who wanted equal rights for African American. He used literature to spread motivation for the blacks. He was an ardent peace activists and advocate reduction of racism. Du Bois p published his collection of 14 essays named, â€Å"The Souls of Black Folk†, in 1903, and these sees says helped show the intellect of black race. He was a literary and cultural inspiratio n on that eloped activate the Harlem Renaissance and the powerful art about the Africa n American experience.Du Bois used his influential role in Crisis magazine to expose and oppose racism and injustices, such as lynching and segregation. He promoted African American artistic talents in his writing called â€Å"A Negro Art Renaissance. † He wanted black k artist to realize their ethical assignment by being committed to showing the issue of RA Coal equality in their work; in response to their own experience. His writings are a defining text of the The Negro Movement because of its deep effect on an entire genre action that retreated the center of Harlem Renaissance.This movement produced work the at was both initiated and an engaged with the African American culture. The Harlem Renal seance created African American literature in the United States and influence on man y authors throughout the twentieth century. The Harlem Renaissance was a transformable period in time when poe try chaw engaged a nation of Parliamentarians to an incredible level. Longboats Hughes was one of the leading black writers in that time period, and wrote many different types of lit ratter. He wrote, and created a new literary art form called jazz poetry.His poem â€Å"The N grog Speaks of Rivers,† provides solid unity for the African American history. His pop covered the issues faced by Parliamentarians with a combination of music, cheerfulness, and culture. Hughes essay spoke to the concerns of the Harlem Renaissance as it celebrated African American creative innovations such as blues, spirituals , jazz, and literary work that engaged African American life. The Harlem Renaissance was a rebirth of African American culture in New Your City. Literature from the Harlem Renaissance inspired many modern writers s such as Alice Walker, Impair Brake, Maya Angelo, and Toni Morrison.It also influence Martin Luther King's â€Å"l Have A Dream† speech because the speech seems t o b e closely related to Longboats Hughes poem â€Å"Let America be America Again†. Harlem Re nuisance provided a very important advancement in African American Art and Literature Inspiration from Longboats Hughes and Lain Locke are witnessed in modern c ultra and society. Even though the movement has been over since, the effects of the AU thorns and words written are still generally known today. In conclusion, the legacy of the Harlem Renaissance has opened doors for Todd ayes African American writers.The Harlem Renaissance was the internal spring for Parliamentarians branching out into the world on their own desire. The renal seance opened a new dimension for Parliamentarians and brought about the realization of â€Å"l c an do it, and do it with dignity, grace, and style. † This time period in history was not just a nation anal movement, but an impact creating a revolution Of sorts. Harlem saw a nonbelievers work per excellence, in various fields, which gave Parliam entarians a renewed image and a fresh outlet ask. Harlem Renaissance has been the breeding ground for creative endeavors by authors , poets, and artists.

Family’s Influence on a Child’s Educational Success Essay

The family is a key element in every person’s life; they have the greatest impact on a child’s socialization (Macionis 70). Socialization is a learned behavior that remains with a person his entire life. Family influences nearly every aspect of children’s life, including their education. Increasing evidence indicates that â€Å"schools are not solely responsible for promoting our young people’s academic success; rather, families must be engaged in helping youths develop the knowledge and skills they need to function in tomorrow’s workplace† (Israel 43). Therefore, the question is not whether parents influence education, but rather how and to what extent they do. A variety of explanations exist, including the size of the family, the parenting techniques, and the family’s economic status. Read more:  Factors that influence child development essay Why do some parents become involved in their children’s elementary and secondary education? Three major constructs are believed to be central to parents’ basic involvement decisions. First, a parents’ role construction defines parents’ beliefs about what they are supposed to do in their children’s education and appears to establish the basic range of activities that parents construe as important, necessary, and permissible for their own actions with and on behalf of children. Second, parents’ sense of efficacy for helping their children succeed in school focuses on the extent to which parents believe that through their involvement they can exert positive influence on their children’s educational outcomes. Third, general invitations, demands, and opportunities for involvement refer to parents’ perceptions that the child and school want them to be involved. However, even well-designed school programs inviting involvement will meet with only limited success if they do not address issues of parental role construction and parental sense of efficacy for helping children succeed in school. One theory suggests that the chief reason why a student’s family life affects his/her education is based on the size of the family. More specifically, it suggests that those coming from a family with fewer children perform better academically than those coming from a family with many children. One main reason for this is attributed to the â€Å"dilution of familial resources  available to children in large families and a concentration of such resources in small ones† (Blake 11). For example, in families with many children the parents have less time, less emotional and physical energy, less attention to give, and less ability to interact with children as individuals (Blake 11). Another reason that attention may be diluted is because of the many siblings. Often the mother is pregnant or recovering from pregnancy, which lessens her ability to care for the children. In addition, money is also often diluted. Blake says of that: This type of dilution involves not only the parents’ treatment of individual children–the ability to provide personal living space, cultural advantages such as travel, specialized instruction such as music lessons, specialized medical or dental care, as well as continuous and advanced schooling–but, as well, to provide settings the advantages of which are not divisible: living in a desirable neighborhood, or having a wide range of excellent reading material or recorded music in the house. (11) This suggests that children coming from a poor background are already at an educational disadvantage, possibly even before any formal schooling occurs. Travel enables a child to become a more cosmopolitan person and teaches children about the different cultures of the world. Music teaches dedication and helps with memorization skills. Other problems are associated with large families as well. A study by Lori Heise and Jane Roberts showed that children from large families don’t interact with others outside the family group as much as those in a smaller family, which can limit their understanding of certain social roles (Blake 11). It also places them at a disadvantage in school, where they make not have many friends or feel â€Å"left out.† This can lead to poor grades. This is so because the child may become depressed and find it hard to focus on schoolwork. Without friends to greet them, many times the child chooses not to even go to school. In addition, in families where lots of children are around, the intellectual level may be more â€Å"childlike,† so kids aren’t exposed to adult conversation,  vocabulary, and interests (Blake 11). The children spend most of their time playing with other children. In a family with one or few children, the child often has no other choice than to play with their parent/s. Similarly, the older siblings may often baby-sit or be treated as the â€Å"adult figure,† meaning that the parents are not as involved. The older children are often expected to help take care of his or her brothers or sisters. The parents are not home as often when a babysitter is available. Having a large family can also lead to financial burden and in turn a burden on the child’s academic success. It is often thought that income does not affect one’s education until college; after all, education until that point is free. Studies have shown otherwise. It was found that only-child boys were twice as likely to graduate from high school as boys from families of seven or more, and the same holds true for girls (Blake 41). Of the graduates, there is again a large gap between the two groups for college attendance (meaning that children without siblings are much more likely to attend college than those from large families). However, the distinction is not as large as in high school graduation rates. Once in college, family size has a relatively small effect on the number of years of college schooling a student receives (Blake 45). This indicates that the higher the level of schooling, the less family size is influential. Blake suggests that this is due to the many from large families who drop out of school and who are retained multiple times (Blake 45). One study shows that students coming from a small family do better on achievement test. Twenty-seven percent of boys in grades 1-5 with five siblings or more scored below average on these tests. Compare that number to the twenty percent of boys in the same grade level who were only children (Blake 262). As the number of siblings in the family increased, his or her score on the test decreased. Having many brothers and sisters could also be seen as beneficial to students, especially if a child is the youngest. Parents have often graduated twenty years prior to when their children are attending school.  Therefore, they may not remember the material in order to help their children. Older brothers and sisters, on the other hand, would be more familiar with the subjects and could tutor their siblings. Therefore, students could improve by having a large family. While this theory of family size affecting one’s education is valid and holds true in many cases, it is not solid enough to be the sole explanation. A second explanation as to why family plays such a large role in education is parenting techniques. Problems of school adjustment such as academic failure, underachievement, and disciplinary problems often arise from a combination of information-processing difficulties, attention-deficit disorders, school or performance anxiety, and low motivation. These problems in turn have been linked to specific domains of family life (e.g., family conflict, communication, and organization). (Medway and Cafferty 137) Studies have shown that many of the problems that children have in schools are associated with different parenting styles. Learning disabilities, poor task orientation, attention deficits, and low academic achievement can be caused by an unstable family life, where conflicts are handled through threats, counter-threats, and poor communication (Medway and Cafferty 138). Parents of children with disabilities are found to be more authoritarian and controlling than parents of â€Å"normal† children. Problems of underachievement in schooling can be attributed to parent-child conflicts, low levels of parental availability, and lack of openness between the parent and child. Studies have shown that students with performance anxiety, procrastination, and passive aggressive behavior in school are likely to come from over organized families, where parents are overprotective, restrictive, intrusive, controlling, and dominating (Medway and Cafferty 138). According to psychologist Glenn Israel, a more recent study produced similar results, stressing that parents should help their children with their homework, discuss important school activities with them, and hold high educational aspirations for them (48). They should also limit television  viewing, provide adult supervision when their children come home from school, and monitor homework. Doing so was proven to result in better academic performance and staying in school (Israel 48). Other causes for students to perform better in school involves the child’s social behavior, which are a reflection of the family, particularly the parents. For example, children who move frequently are generally unable to feel integrated in the community’s social structure. On the other hand, the more groups a student is involved in (scouts, religious affiliations, etc), the greater his/ her socialization skills. Better socialization skills can in turn be linked to better school performance (Israel 49). Parenting techniques contribute largely to a child’s academic performance, though this theory is probably the least credible of the three. It is obvious that a parent’s behavior affects his/her child, and their education, but the evidence was too stereotypical. It is outrageous to assume that because a child has a learning disability he/ she comes from an unstable home life. There are many other reasons that influence that, including biology and genetics. However, I strongly agree with the socialization aspects of this argument. Dr. Urie Bronfenbrenner says, â€Å"Children are most significantly influenced by their parents; therefore, if parents have few friends and are uninvolved in community activities, children are likely to be the same way† (40). Socialization definitely plays a role in academic performance, especially at the age of adolescence, when â€Å"fitting in† is so important to students (Bronfenbrenner 40). It is also obvious that parents playing a role in their child’s education is beneficial. Students need the motivation to perform well. If they don’t receive it, they will not be as successful. True as this may be, parenting technique is not the sole answer to this question of how parenting styles affect a child’s academic success. The third reason often used to explain the connection between family life and a student’s education is the economic position of the student’s family. Children often base their goals on their parents’ achievements. A study showed that while all parents would like their children to receive  high levels of education and a prestigious career, low-income parents seem to set lower standards. They are satisfied with lower levels of education and less prestigious jobs Students from lower-income families suffer other disadvantages as well. Economic hardship and stress have been known to affect the relationship between the parent and child. In addition, if the socioeconomic status of the student is low, the amount of parental support, control, and consistency is often low as well. A study by Saucier and Ambert revealed, â€Å"Adolescents from intact families have been found to be more optimistic about the future than those from homes in which there has been a separation, divorce, or parental death† (Brantlinger 154). The amount of parental involvement with education was also found to vary with income. Most students studied claim that their parents attended conferences and activities in elementary school, but there became a gap during junior high and high school. High-income students say their parents still attended, while low-income students’ parents did not. Additionally, high-income adolescents’ parents were much more likely to receive help with schoolwork, such as editing written assignments, than were low-income parents. This could be a result of the education the parents had received. After all, low-income parents had often dropped out of school prior to graduation, while high-income parents had high-levels of educational attainment (Brantlinger 156). A study by Carlos Torres and Theodore Mitchell showed that powerful more affluent parents played a significant role in maintaining a â€Å"†¦hierarchical track structure†¦Ã¢â‚¬  for their child. These parents ensured that their children did well in school. This was made achievable possibly through extra help, tutoring, and increasing the pressure placed on the child to do well (163). Family size and parenting techniques can be related to wealth differences. For example, the smaller the family, the higher the proportion of the income can be spent on the child(ren). Those with better parenting techniques also have a higher economic standing than other parents. Better parenting methods can be linked to the parents having received a higher education. In turn,  they often have more money. While it was found that family size and parenting techniques affect one’s education, it is merely because of wealth. For example, it is not the actual number of people in the family, but the amount of money the family has because of the number of members. Economics are the key factor as to why one’s family life affects one’s education, and it’s a cycle. Children often grow up to be in the same economic class as the family he came from. Therefore, if a parent didn’t attend college, the student is less likely to (Shumow 37). So why does one’s family life affect his education. The answer can be summed up in one word: money. So what can we do about this problem? How can we give economically disadvantaged children a good education? There are several options: For one state funding for poorer schools could be increased. Also, if poor communities applied for grants, they could use them to fund their schools. There are also programs out there to help poor schools. The SETA Head Start Program and the Equity in Education Project were developed for the purpose of improving the lives of low-income children by providing â€Å"quality, comprehensive, child development services that are family focused, including education, health, nutrition, and mental health† (Head Start Home Page Screen 1.) By getting communities involved and educated about programs such as these it is very possible to prevent educational disadvantages like coming from a low-income household or neighborhood. No matter how many elected school officials declare that â€Å"poverty is not an excuse† for poor school performance, the fact remains that children in poverty do not achieve well in school. In a study by Abt Associates, researchers examined the performance of children in high- and low-poverty schools. High-poverty schools were defined as those with 76% or more of the student body eligible for free or reduced-price lunches; low-poverty schools had 20% or less of the student body eligible for federally subsidized lunches. The researchers first divided the students into categories A, B, C,  or D–depending on what grade they commonly took home on their report cards. Then they looked at performance on achievement tests. Students in low-poverty schools who got A’s on their report cards scored as one would expect: 87th percentile in math, 81st in reading. Students in high-poverty schools who got A’s scored higher than their classmates who got lower grades, but they attained only the 36th percentile in reading and the 35th in math (Cirasulo 44). One can only imagine the sledgehammer that will hit these students when they have to compete with students from more affluent schools. What is so depressing about this is the fact that education is the only way to get out of poverty. Education is the only intervention that can help children from poor families escape the cycle. In addition to giving young people basic skills, education can make them aware of opportunities beyond the ghetto. The few who escape the problems of crime, drugs, prostitution, and unwed motherhood are those who have received help from committed teachers and social workers. Schools cannot create jobs or carry all the burdens of a community, but they can make a vital contribution if they are allowed to focus on their primary mission of education. Teachers do not create jobs for poor people, and they cannot erase the damage done by drugs. Granted, schools cannot take on all the burdens of the communities they serve; they should be allowed to focus on what they insist is their reason for existence — the education of children. When it comes to the educational success of a child, money should never be a factor. Unfortunately money is a factor and there is never enough to fulfill the needs of a child.

The Development of Housing Finance in the Changing Business Scenario

THE DEVELOPMENT OF HOUSING FINANCE IN THE CHANGING BUSINESS SCENARIO Mr. P. S. Ravindra** ABSTRACT Traditionally in India, most people used to depend on their provident fund and gratuity amounts received after retirement while considering buying a home. However, with the emergence of housing finance as a major business in the country, an increasingly large number of people are going for housing loans. The housing sector in India is facing an estimated shortage of 4. 1 crore houses and according to the Ninth Plan, the demand-supply gap in urban housing is 3. 3 crore houses. The industry comprises of nearly 383 housing finance companies although disbursements from only the leading 26 institutions are eligible for re-finance from National Housing Bank, which is the regulatory body for these companies. These Housing Finance Companies (HFCs) constitute nearly 95 % of the total disbursement by the industry . The tax exemption on the interest paid on housing loans has also been extended up to the year 2003. This move will benefit the salaried employees, especially the middle-class populace. A dream of providing 25 lakh rural houses has been envisaged in the budget. Out of these, 12 lakh houses will be built under the ‘India Awas Yojana’ and another one-lakh houses would be provided under the ‘Credit-cum-Subsidy’ scheme for families with an annual income below Rs. 32,000. Moreover, around 1. 5 lakh houses to be constructed under the ‘Golden Jubilee Rural Housing Finance Scheme’ will be eligible for refinance from the NHB. The industry is witnessing a boom at present boosted by the generous budget sops and rock bottom real estate prices. The demand is a result of genuine individual needs for housing. The prospects of the industry would be further strengthened on the amendments to the Rent Control Act and repealing of the controversial Urban Land Ceiling Act. This research paper focuses on the Demand for Housing sector, Market Profile, Market Trends, Price Sensitivity factors and outlook of Development of Housing Finance in the changing Business scenario. ____________________________________________________________ ____________ _________________nd Ceiling Act. _________________________________________________________ THE DEVELOPMENT OF HOUSING FINANCE IN THE CHANGING BUSINESS SCENARIO Mr. P. S. Ravindra** Introduction Roti, Kapada aur Makaan are the three basic necessities of human beings. Traditionally in India, most people used to depend on their provident fund and gratuity amounts received after retirement while considering buying a home. However, with the emergence of housing finance as a major business in the country, an increasingly large number of people are going for housing loans. Incomes of families are rising and their purchasing capacity as well as loan repaying capacities is going up. Property prices are more or less on a stabilizing trend. A large number of home loan options are available. HFCs are becoming increasingly liberal. Interest rates have been progressively falling. The Government of India has been giving substantial encouragement to the housing sector. The social structure of the Indian families is going through a sea change as the joint family is fast giving way to the nuclear family concept. The pressure to have one’s own home is high among these families. Highlights †¢ Significantly, there has been no dearth of demand for housing and consequently for finances for the same have been abundant. †¢ Market dynamics play a pivotal role in determining the lending rates. Considering the same, the housing finance industry has been in a slump in recent times. †¢ The entry of banks into the housing finance sector has posed a serious threat to already existent players in the field. †¢ The housing sector is witnessing a clash between major players. Foremost amongst this is the ICICI and HDFC imbroglio. The later is giving sleepless nights to HDFC. †¢ Tax sops provided by the Government of India is a significant step towards upholding the future prospects of this industry. Sector Comments Nearly 25 lakh houses are built every year in India. However, the nation’s requirement is around 65 lakh houses per annum. The housing sector in India is facing an estimated shortage of 4. 1 crore houses and according to the Ninth Plan, the demand-supply gap in urban housing is 3. 3 crore houses. In case, all these urban housing dwellings were to be built, it would require an investment of Rs. 150,370 crore. Traditionally, the housing finance business has been yielding a margin of around 2 per cent. The skill of the players is in converting their advances that have a maturity period of 15-30 years with the deposits that mature within three years. Though, the National Housing Bank (NHB) refinances housing loan up to Rs. lakh disbursed to the lower income group, this is just a negligible proportion of advances to the major players. The primary sources of funds are fixed deposits, debentures, private placement of bonds and borrowings from banks and financial institutions. Thus, efficient financial management has a key role to play in this industry. Lending rates are predominantly market-driven and in view o f the same, the housing finance industry has been in a slump in recent times with there being low demand from builders and investors alike. Furthermore, the entry of banks into the housing finance sector has also not augured well for the industry. Most housing finance companies cater mainly to the higher income group having reasonably assured creditworthiness. In a scenario marked with the absence of speedy foreclosure regulations, most companies prefer to stay away from rural and the Low-Income Group   (LIG). However, it must be noted that demand for housing in the Middle-Income Group and High Income Group segments has also recorded a steady rise lately. Market profile The Indian housing finance sector is crowded with players of all sizes and nature: government organisations, insurance companies, banks, housing finance companies and co-operative organisations like HUDCO and NHB. Major players in the Industry are HDFC, LIC Housing Finance, Dewan Housing, Can Fin Homes, SBI Home Finance and Gujarat Rural Housing. The youngest entrant into the Industry, which is penetrating rapidly, is ICICI. Interestingly, both Can Fin Homes Limited and its parent Canara Bank are into housing finance. It is the same with quite a few banks, for example, SBI and SBI Home Finance Limited, Bank of Baroda and BOB Finance, Vysa Bank and Vysyabank Housing. Though HDFC and ICICI also have their banking arms, they compete with each other in personal loans, but not housing loans. The industry comprises of nearly 383 housing finance companies although disbursements from only the leading 26 institutions are eligible for re-finance from National Housing Bank, which is the regulatory body for these companies. These Housing Finance Companies (HFCs) constitute nearly 95 % of the total disbursement by the industry. However, owing to the slump in real estate market over the last few years, the industry posted a fairly low disbursement growth. Market trends The housing sector is witnessing a clash between major players. HDFC had ruled this sector with a lion’s stranglehold. It was smooth sailing for HDFC all these years and it seemed that its monopoly was there to stay forever. However, out of the blue emerged ICICI Home Loans, when this financial institution decided to clash arms with HDFC on its home front. Within a year of its launch, ICICI Home Loans is giving the industry leader, HDFC, sleepless nights. Undercutting in the interest rates is all in the game and so is every other trick in the book. HDFC is gathering its wits to beat its competitor at its own game. It launched an aggressive hoarding campaign designed in the style of ‘follow the leader’. HDFC has launched its website propertymartindia. com as a joint venture with the Mahindras. Following suit, ICICI too, launched its home portal indiahomeseek. com. So the war rages on both at the retail level and also in the form of a cyber war. ICICI has lowered its prime lending rates on short and medium term loans from 13 per cent to 12. 5 per cent. Thus, bringing the interest on housing loans at par with the foreign exchange loans. HDFC also reduced the interest rates on its housing loans from 13. 25 per cent to 13 per cent. It went an extra mile to woo the borrowers of loans up to Rs. crore by allowing them the facility to either opt for a fixed interest rate of 13 per cent or a floating interest rate of 12. 5 per cent. As the name indicates, a borrower opting for the first choice will have to repay the loan at an interest rate of 13 per cent irrespective of any future hike or cut in the rates. Those choosing the second option would be subject to the vagaries of the interest mar ket and may gain or lose in the bargain. The company has also reduced the interest on loans borrowed by non-resident Indians. These loans repayable within five years will attract an interest rate of 11. 5 per cent per annum while loans ith a term of 6-10 years will be charged interest at 12. 5 per cent. The above rates are under the fixed interest rate option. Similar floating rate loans would be charged at 5 per cent less interest. Originally, only the commercial banks offered housing loans on floating interest rates, now that HDFC is offering loans at a 12 per cent floating rate, ICICI also has a floating rate home loan in the pipeline. Price sensitivity factors †¢ Noteworthy fact here is that NHB refinance to the HFCs comprises a mere 7% of the loans disbursed. In other words, most HFCs have to arrange for a major part of the disbursals from their own resources. Thus, low spreads, mismatched asset and liability, competition posed by banks with recent regulations requiring commercial banks to invest 40 per cent of their advances towards the priority sector, etc. pose problems for the lending division. †¢ The first housing finance company to cut down its interest rate after RBI slashed the PPF interest rate by 1 per cent on January 14, 2000 was HUDCO. When the National Housing Bank, the refinancing agency of all housing finance companies, slashed its rates by up to 50 basis points, it triggered off a virtual interest war in the industry. HDFC, ICICI, LIC Housing Finance, PNB Housing Finance Limited and a host of others followed suit. In a game of one-upmanship, the companies have been vying with one another to offer the best deal in a rapidly growing market. †¢ CRISIL has forecast an increase in the interest rates in the second half of this year. This will be due to the demand of funds by the Centre and also the corporates exceeding the supply. The Central Government has projected a Rs. 31,000 crore higher borrowing this year than last year’s figure of Rs. 86,000 crore. The State Government borrowings would add up to a further Rs. 7,500 crore and the corporate demand would be higher by Rs. 11,000 crore. As compared with the supply, CRISIL expects the short fall to be around Rs. 15,800 crore. To make up this short fall, even if there is a 1 per cent cut in CRR, interest rates are still bound to increase. †¢ The Union Budget 2000-01 has given a shot in the arm to the industry by raising the exemption a pplicable to individual borrowers on the interest paid on housing loans to Rs. 1 lakh. The existing tax rebate of 20 per cent under section 88 of the Income tax Act of 1961, covered repayment of housing loans, subject to a maximum of Rs. 0,000. The same has now been doubled to Rs. 20,000. This, coupled with the lowering of the interest rate would enable a borrower to enjoy tax exemption upto a loan of Rs. 7. 5 lakh for a 15-year term. He can now have access to better tax planning options on account of the exemption and a lower Equated Monthly Installment (EMI) due to longer term of repayment. Furthermore, individuals who already own a house can now invest in a new house and yet claim exemption from capital gains on the sale of the asset. The tax exemption on the interest paid on housing loans has also been extended up to the year 2003. This move will benefit the salaried employees, especially the middle-class populace. A dream of providing 25 lakh rural houses has been envisaged in the budget. Out of these, 12 lakh houses will be built under the ‘India Awas Yojana’ and another one-lakh houses would be provided under the ‘Credit-cum-Subsidy’ scheme for families with an annual income below Rs. 32,000. Moreover, around 1. 5 lakh houses to be constructed under the ‘Golden Jubilee Rural Housing Finance Scheme’ will be eligible for refinance from the NHB. The industry has found new avenues such as securitisation, which are expected to be launched in the market very soon. This mechanism would require a pool of assets (mortgages), which would be sold by the HFCs to NHB. These assets in turn would act as a Special Purpose Vehicle (SPV) and would be sold as pass through certificates to investors, which initially would be from groups earning pension funds, mutual funds, financial institu tions, commercial banks and other trusts or institution which require monthly fixed income. The mortgages would be for loans up to a period of 10 years, on which HFCs would earn 16 % from borrowers. The spread is to be passed back to the concerned HFCs in the form of premium at purchase of mortgages or service charge over a period of time. It is expected that with the success of securitisation the circulation of funds would increase coupled with cash flows generated by these funds. Furthermore, a secondary market for mortgages would become feasible for HFCs. Outlook The industry is witnessing a boom at present boosted by the generous budget sops and rock bottom real estate prices. The demand is a result of genuine individual needs for housing. The prospects of the industry would be further strengthened on the amendments to the Rent Control Act and repealing of the controversial Urban Land Ceiling Act. Thus, the housing finance industry is on solid ground and has interesting prospects ahead. As for the small players, they will have to take the harsh decision to either exit the industry or merge with bigger entities. It is also amply clear that in the future, industry leader HDFC will have to share the spoils with the aggressive young turk – ICICI. Notwithstanding the competition, the customer has nothing to lose as he can choose the best loan scheme from the ICICI and HDFC fold, with minimum interest and a nil processing fee. Conclusion Despite the abovementioned factors, several bottlenecks still exist in the industry, which have to be taken care of before any of the above can bring about an improvement in the prospects of the industry. From an overall viewpoint demand for housing is ever rising and the same would be reflected on the demand for funds. Hence, the profitability of the industry should commence on the positive track in the future. Now housing finance products are at par with other consumer goods, where use of all marketing mix has become necessary for the banks to attract and retain customers. References 1. Basu D. N and Mehta V. K. , 1993. Housing Finance System India, Urban India, XIII, (1) January-June: 36-50. 2. Manoj P. K. 2004. Dynamics of housing finance in India, 3. Vora P. P 2002. The Indian housing finance system, Housing Finance Investment. 15(Jan): 18-25. 4. Nambirajan, R, 2001. Home Loans and Tax benefits, Indian Infrastructure, May, pp. 42-43. http://www. indianloans. com http://www. indiainvest. com http://www. lichousing. com * * * * *