A Short Insight Into The Life Of Some Of The Major Aztec Cities Essay - 2

A Short Insight Into The Life Of Some Of The Major Aztec Cities - Essay Example Texcoco was located east of the Lake Texcoco and was proud of its shared name with the lake. It had played a great part in history and the people were proud of their ancestry. Five provinces to the east of the river were under the rule of Texcoco by the start of 15th century and the lands it ruled over went as far as their enemies’ borders in the Highlands. It had flourishing markets, grand temples, and the people living there were educated. But upon attack from Tepanecs, Texcocan enemies, people of Tenochtitlan did not help them to defend them.   Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚  Ã‚   Tlacopan was joined with the Aztecs and Texcocans in to form the Triple Alliance in 1428. Founded originally by Tepanecs who arrived in the Valley of Mexico early in the 13th century, Tlacopan was not a very big city and only received one-fifth of the compliments received by the Triple Alliance. Tlacopan was seized over in 1521. When the Aztecs first arrived in the Valley of Mexico in 1300 A.D., it was nothing but a marshy island near Lake Texcoco. Out of that marshy island, the Aztecs gave rise to a magnificent city, which stood for centuries and whose temples and buildings were a sight to behold.

The Disappearing Data Center Case Study Example | Topics and Well Written Essays - 1000 words

The Disappearing Data Center - Case Study Example Along with the energy consideration, the environment in which the source lies must not pose to the stability of the energy supplied to the host platform. Nearness from the source to the premises must also be highly considered to ensure that no extra cost is incurred while targeting particular source of energy (Floracks 101). Virtualization of datacenters has been on the rise for various companies for the last few years probably because of the long-term beneficial implications. The cloud could be termed as software powered by superior hardware, pools of virtualized hardware running on software that enables to decommission resources and offer them the ability to provision within a short period. It offers great flexibility and more leverage to businesses, in this model for instance, the provider owns the entire assets, physical infrastructure, and allows companies to buy access to the resources for billing on bandwidth, storage or access time. Virtualization on a private cloud is a considerable option where an individual entity hosts the entire resources on a virtualized platform for exclusive utilization by the subject company. Among the beneficial implications include manageable resources, reduced overheads and eases on security management, compliance, and privacy. Other related risks are also easier to manage such as those emanating from shared resources and multi-tenant base but require significant ongoing and up-front investment by the firm’s private cloud consumer. Virtualized platforms allow users to provision quickly on new virtual machines above the existing pool of resources. Virtualization promises elasticity of computing and security of dedicated the involved servers and provides the ability to extensively optimize the utilization of computing resources, also applies to the single applications (Floracks 101). A combination of economic

The Importance of Risk Management

The Importance of Risk Management Risk management is an important part of decision making process in a construction company. Risk can affect productivity, performance, quality, and budget of a construction project. This chapter gives an overview of construction project risks. Meanwhile, risks in construction project will be recognized and classified into several groups. Furthermore, the current trend in risk management researches will also be discussed in this chapter. It is very important to elaborate risks in construction projects for the purpose of this project paper as to fulfil the first objective of this research, which is to identify and classify the risks in construction projects. Risk is defined as the chance of an adverse event depending on the circumstances (Butler, 1982). Risk is perceived as the potential for unwanted or negative consequences of an event or activity'(Rowe, 1977 ), a combination of hazard and exposure (Chicken and Posner, 1998). Recent research tends to emphasize the two-edged nature of risks, such as a threat and a challenge'(Flanagan and Norman, 1993), the chance of something happening that will have an impact on objectives; may have a positive or negative impact'(AS/NZS, 2004), combination of the probability or frequency of occurrence of a defined threat or opportunity and the magnitude of the consequences of the occurrence. This study examines mainly the negative impacts of risks inherent in construction projects through a combined consideration of the likelihood of occurrence and the magnitude of consequence. Risk management is a system which aims to identify and quantify all risks to which the business or project is exposed so that a conscious decision can be taken on how to manage the risks'(Flanagan and Norman, 1993). PMBOK included risk management as one of the nine focuses in project management and described it as the processes concerned with conducting risk management planning, identification, analysis, responses, and monitoring and control on a project. Recently, AS/NZS defined risk management as the culture, processes and structures that are directed towards realizing potential opportunities whilst managing adverse effects'(AS/NZS, 2004). In line with these definitions, risk management in the construction project management context is a systematic way of identifying, analysing and dealing with risks associated with a project in an aim to achieve the project objectives (Zou et al., 2007). Owing to its increasing importance, risk management has been recognized as a necessity in toda ys construction industry, and a set of techniques and strategies have been developed to control the influences brought by potential risks (Zou et al., 2007). A variety of risk and risk-related definitions are applied to construction projects, and no standard definitions or procedures exist for what constitutes a risk assessment. In the construction industry, risk is often referred to as the presence of potential or actual treats or opportunities that influence the objectives of a project during construction, commissioning, or at time of use (RAMP, 1998). Risk is also defined as the exposure to the chance of occurrences of events adversely or favourably affecting project objectives as a consequence of uncertainty (Al-Bahar and Crandall, 1990). According to (Walewski and Gibson, 2003) as mentioned by Dias and Ioannou (1995) , there are two types of risk: 1) pure risk when there is the possibility of financial loss but no possibility of financial gain, and 2) speculative risk that involves the possibility of both gains and losses. CIIs definitive work on construction risks (Diekmann et al., 1998) uses classic operations research literature t o distinguish the concepts of risk, certainty, and uncertainty, and is consistent with the literature (ASCE, 1979; CIRA, 1994; Kangari, 1995; Hastak and Shaked, 2000; PMI, 2001; Smith, 2001) on what is considered as the sequential procedures for construction risk management: 1) identification, 2) assessment, 3) analysis of impact, and 4) management response. Increased concerns about project risk have given rise to various attempts to develop risk management methodologies. An example of such is the Risk Analysis and Management of Projects (RAMP) method produced by the Institute of Civil Engineers and the Institute of Actuaries in the United Kingdom (RAMP, 1998) . This method uses a project framework to identify and mitigate risk by using the accepted framework of risk identification and project controls by focusing on risks as they occur during the project life cycle. It requires users to follow a rational series of procedures and to undertake this analysis at scheduled intervals during the life cycle of a project. Traditional risk assessment for construction has been synonymous with probabilistic analysis (Liftson and Shaifer, 1992, Al-Bahar and Crandall, 1990). Such approaches require events to be mutually exclusive, exhaustive, and conditionally independent. However, construction involves many variables, and it is often difficult to determine causality, dependence and correlations. As a result, subjective analytical methods that rely on historical information and the experiences of individuals and companies have been used to assess the impact of construction risk and uncertainty (Bajaj et al., 1997). Project risk is an uncertain event or condition that, if it occurs, has a positive or a negative effect on at least one project objective, such as time, cost, scope, or quality (i.e., where the project time objective is to deliver in accordance with the agreed-upon schedule; where the project cost objective is to deliver within the agreed-upon cost; etc.). A risk may have one or more causes and, if it occurs, one or more impacts. For example, a cause may be requiring an environmental permit to do work, or having limited personnel assigned to design the project. The risk event is that the permitting agency may take longer than planned to issue a permit, or the design personnel available and assigned may not be adequate for the activity. If either of these uncertain events occurs, there may be an impact on the project cost, schedule, or performance. Risk conditions could include aspects of the projects or organizations environment that may contribute to project risk, such as poor proje ct management practices, lack of integrated management systems, concurrent multiple projects, or dependency on external participants who cannot be controlled. Successful project management requires the identification of the factors impacting project scope definition, cost, schedule, contracting strategy and work execution plan. However much of the research related to risk identification, assessment and management for constructed facilities is focused on specifics such as location, categories of risks aspects, or types of projects. For example lists of relevant construction project risks have been developed (Kangari, 1995, RAMP, 1998, Smith, 1999, Hastak and Shaked, 2000, Diekmann et al., 1998) as well as political risk are available (Ashley and Bonner, 1987, Howell, 2001) . The value of systematic risk management of project activity is not fully recognized by the construction industry (Walewski et al., 2002) . Since no common view of risk exists, owners, investors, designers, and constructors have differing objectives and adverse relationships between the parties are common. Attempts at coordinating risk analysis management between all of the project participants have not been formalized and this is especially true between contractors and owners. (Hayes et al., 1987) defined three phases for risk management process (RMP), namely: risk identification; risk analysis and risk response. (Uher and Toakley, 1999) indicated that out of three phases involved in risk management, the concept of risk identification appears to be the most known and practiced. (Lam, 1999), in his paper which discussed risks associated with major infrastructure projects, and defined risk identification as listing of most, if not all, the potential areas where an undesired outcome may result. Such listing should be done at the earliest possible stage of the project. Furthermore, the author listed some techniques that could be used in risk identification such as brain storming, prompt lists, structured interviews and hindsight reviewers. Another useful method is to simulate events and relationships using a hypothetical project life cycle so that the relevant risk factors are made apparent. Risk identification is normally done in a group.(Chapman, 1997) introduced three methods for risk identification, namely: brain storming; Nominal Group Technique (NGT) and Delphi. These are ways to collect judgments from the project team. However, brainstorming was the most commonly cited technique. (Tummala and Burchett, 1999) defined Risk Management Process (RMP) as a logically, consistent and structured approach to enumerate and understand possible risk factors and to assess their consequences and uncertainties.(Chapman, 1997) stated that a formal (RMP) should be applied at all stages in the project lifecycle by project owners and contractors. Alternatively, the process is referred to by many authors as (PRAM) Project Risk Analysis and Management. However, it is the authors opinion that (PRAM) and (RMP) are similar terms for the same concept and can be used interchangeably. (Uher and Toakley, 1999) resented a paper discussing the use of risk management in the conceptual phase of the construction project development cycle where uncertainty is at its peak. Furthermore, (Cano and Cruz, 2002) explained a generic risk management process to be undertaken by organizations with the highest level of risk management maturity in the largest and most complex construction projects. As a final validation, Delphi analysis was applied to assess the risk management methodology. (Fang et al., 2004) presented a risk assessment model for tendering of Chinese building projects on the basis of identification and evaluation of the major risk events in the Chinese construction market. The findings showed that the risk of a project can be assessed through analysis of factors such as: owner type; source of project financing; existence or lack of cooperation between contractors and the owner; the intensity of competition for tendering and the reasonableness of the bid price. (Charoenngam and Yeh, 1999) stipulated the importance of a proper contractual foundation to ensure successful project execution, especially in case of projects involving multidisciplinary teams.(Thompson and Perry, 1992) addressed the necessity of model or standard sets of conditions of contracts where risk is allocated to different contract parties, but the principals behind this allocation have not been stated . Construction contracts are one of the primary vehicles of risk allocation and management, Ibbs et al. (1986). Furthermore, (Bubshait and Almohawis, 1994) stated that when a contractor is working in an unfamiliar construction environment, one source of risk is the contract conditions. There is significant evidence in the literature that checklists are the most commonly used methods of risks identification.(Uher and Toakley, 1999, Akintoye and MacLeod, 1997, Simister, 1998), all stated that checklists recorded the highest use among practitioners of risk management as compared to other techniques. (Uher and Toakley, 1999) stated that the most commonly applied risk identification techniques were checklists, brainstorming and flowcharts. Other techniques such as questionnaires, scenarios building and case based approaches were less popular, while techniques such as influence diagrams and Hazop were largely unknown. (Akintoye and MacLeod, 1997) on the basis of the results of a survey of risk management techniques conducted on general contractors and project management firms, stated that checklists based on intuition, judgment and experience recorded the highest formality with the respondents. The authors also stated that checklists could not be considered as a formal technique. (Simister, 1998) indicated that traditional methods are still favored in the UK, even though the level of awareness of other formal and more complex techniques is high. The study listed 12 techniques and indicated a percentage of the current/past use as well as the level of awareness for each technique. Checklists were the most popular technique, followed by Monte Carlo Simulation, Project Evaluation and Review Techniques (PERT), Sensitivity Analysis and Decision Trees. (Hassanein and Afify, 2007) in their study about Risk management practices of contractors: a case study of power station projects in Egypt identified a marked lack of consistency in the contractors risk identification effort. Contractors possessing past experience in Egypt were far better able to identify the relevant risks. On the other hand, local Egyptian contractors with vast experience in Egypt but limited project management experience were shown to lack the necessary expertise to properly identify risks and to take the appropriate exceptions. Furthermore, the results revealed that bidders do not include in their proposals their true lists of exceptions which represent genuine risks to them.

Acting To Save Mother Earth Essay -- essays research papers

Everday we hear more bad news about our planet. Reports tell us that wildlife and forests are disappearing at an alarming rate. Newscasts give the latest word on how quickly earth is losing its protective shirld and warming up. Newspapers lament the pollution of our air, water, and soil. What can we do in the face of such widespread gloom? In fact, we do not have to feel helpless. We can each learn practical ways to better our environment. For example, saving and recycling newspapers has a number of positive results. First, recycling newspaper saves trees. The average American consumes about 120 pounds of newsprint a year-enough to use up one tree. That means close to 250 million trees each year are destroyed for paper in this country alone. If we recycled only one-tenth of our newpaper, we would save 25 million trees a year. Second, making new paper from old paper uses up much less energy than making paper from trees. Finally, this process also reduces the air pollution of paper-making by 95 percent. Another earth saving habit is "precycling" waste. This means buying food and other products packaged only in materials that will decay naturally or that can be recycled. The idea is to prevent unrecyclable materials from even entering the home. For instance, 60 of the 190 pounds of plastic-especially styrofoam-each American uses a year are thrown out as soon as packages are opened. Be kind to your planet by buying eggs, fast food, and other products in cardboard in...

Managing People†Lenovo China Essay

Summary This assignment expresses and evaluates the Lenovo China’s human resource management from five parts. At stating, it introduces simply the history of Lenovo China. Then, describing and analysing approach of people management in Lenovo is the key point through five elements of overall approach, system of rewarding performance, employees’ recruitment, methods to improve development employees and the appraisal of individual performance. In particularly, the last three is talked mainly. However, the appraisal system has a little problem. Next, it mentions the leadership of Lenovo China which is mixture Chinese and western style. At end of the assignment, it gives some personal idea and recommendations on the appraisal system. 1.0Introduction The report will appraise human recourse management and give recommendations for Lenovo China. At beginning, it will introduce the background of Lenovo China. Then it will describe Lenovo China’s approach of people management from five aspects. Especially, it will focus on selecting and developing employees as well as the appraisal. Then it will talk about Lenovo China’s leadership and organizational culture. Finally, it will give personal opinions on Lenovo China and evaluation. 2.0People management in Lenovo China 2.1Introduction of Lenovo China The Lenovo China was established in 1984, turning the name of â€Å"Personnel Department† into â€Å"Human Resources Department† in 1995 when they had been an increasing awareness of the importance of persons (Ge, 2004). Nowadays, Lenovo China was a successful company because Lenovo China had ranked NO.450 in the ranking of the fortune Global 500 (CNN, 2011). 2.2Approach of People management in Lenovo China 2.2.1Overall approach The overall approach of Lenovo China is the mixture of classical approach and modern management theory with combination of X and Y theory (Mullins, 2010). In classical approach (Mullins, 2010), Lenovo China do not use absolute power and control over people. They think highly of human resource, because they know the importance of the talents (Ren, 2003). In addition, Lenovo China’s leaders also communicate with employees and listen to their opinions in order to gain their trust, which could obtain more ideas for development of the corporation. In spite of this, Lenovo China still have a complete set of the corporation system to manage people (Pi, 2011). In Lenovo China, as employees are doing any work, they must comply with these three principles: 1.insisting on working according to the rules if there are rules. 2. Working according to the rules in advance and coming up with recommendations timely, if the rules are not reasonable. 3. Applying and working according to the cultural value criteria of Lenovo China, if there are no rules (Pi, 2011). Employees of Lenovo China are in a condition of relative strict control, but they will be provided properly freedom to conduct activities and take responsibilities. For instance, technicians in Lenovo China have rights to adjusting their work hours with freedom (Deng, 2002). Thus, Lenovo China could offer opportunities to fulfil their ego needs. The overall approach is with Chinese and western characteristics of management and combine well these two management model. Lenovo China do not allow individualism like America, but they advocate collectivism. However, they are not like the old Chinese management model—centralization. Thus, the new generations can not only fulfil themselves but enjoy freedom at the same time. There are rules to control yet. 2.2.2System of rewarding performance Lenovo China apply mainly the Alderfer’s ERG theory (Mullins, 2010) to motivate employees, because they have two approaches which are physical satisfaction and psychological satisfaction (Pi, 2011). At beginning, for old generations of Lenovo employee, they have higher psychological demands. In addition to prove that their own knowledge can transform into treasures, their purposes are concerns about development of China. These people do not ask for much in physical satisfaction (Ren, 2003). On the contrary, there is a strong collective sense of honour between the old generations of Lenovo people. Hence, the motivation for them is development of collective spirit and motivation of goals (Ren, 2003). Further, at present, the new generations of Lenovo people is primarily motivated by physical satisfaction, because a plenty of foreign corporations and joints ventures were entering into China after the 1990s with offering high wage to attract diverse people, it threatened state-owned enterprises (Ren, 2003). However, nowadays, Lenovo China’s physical satisfaction includes several sides: salary, bonus, welfare and warrants. Bones have company’s, departmental and individual (Ren, 2003). For example, the half of the excess complete part shall be handed over to the corporation, and their department will dispose the rest of part to reward or give welfare (Pi, 2011). Welfare is normal welfare, such as insurance and housing public fund and so on. However, Lenovo China take the high standard. For instant, government has set a rule that each person have to save the 4 percent to8 percent of salary for the housing public fund, then Lenovo China will save the 8 percent for employe es (Ren, 2003). The advantage of method of motivation is that employee could be stimulated to devote oneself to fulfilment of overall objectives and personal expectations. In addition, the ways of stimulations of Lenovo China are very reasonable, because it is according to difference of various people to provide distinct stimulation, such as different personality, knowledge and features of jobs (Deng, 2003). Nevertheless, the more physical reward, the more expectations. Overmuch physical reward could not exactly stimulate improvement of employees, to the contrary, it perhaps leads the employee to be greedy and get private benefit without thinking of organizational goals. 2.2.3Recruiting and selecting employees The process of selecting employees in Lenovo China is very strict. There are two aspects which are inside recruitment and outside recruitment (Mullins, 2010). Inside recruitment involve choosing managers from within the organization, however, Lenovo China adhere to observe their abilities in same working conditions rather than proud achievements in the past (Deng, 2002), which is special. In addition, outside recruitment needs to hire new from outside by put up the information of campus recruitment at first (Pi, 2011). Then, beside testing of quality and evaluation of comprehensive capacityï ¼Å' Lenovo China also have a face to face conversation (Deng, 2002). There are nine questions Lenovo will ask: 1.self introduction, 2. what do you do in your company and what does your company do, 3. your superiorities and tell why Lenovo need you, 4. your weaknesses,5.do you have some suggestions for Lenovo,6.do you have wallet, 7.do watch the news, 8.what do you think of the job you apply and how to do well, 9.contrast with Lenovo and other brand, and the their advantages(Shi, 2008). Moreover, Lenovo China are willing to recruit the young who graduate from a higher institution, such as, Tsinghua University, Peking University and Beijing Science and Technology University and so on. In order to contest with competitors to seeking the persons with ability of professional technique and senior management, Lenovo China held recruiting activities in universities in advance, and conducting activities was earlier than foreign companies in each year. These activities included publicity of idea of Lenovo China and a meeting between students and outstanding employees with an on-site consultation of employment. Further, Lenovo China sponsored a competition of website designation for the national college students and set up a special award (Pi, 2011). Providing these opportunities helps Lenovo China to better promote their own and attract graduated students and graduands effectively. Moreover, nowadays, Lenovo china â€Å"focus on people who operate effectively on a global scale, regardless of their birth country†(Hegar and Hodgetts, 2011 p. 536). Lenovo China had appointed William Amelio who was an American executive from DELL in late 2005 (Schuman, 2010). However, in those years, â€Å"Lenovo was missing out on the faster-growing segments of PC markets† (Schuman, 2010 p.2). It demonstrated that foreign was not quit knowing about Chinese markets. 2.2.4Methods to improve development of employees Lenovo China emphasize training and retaining employees via four methods, because all of these trainings and results are associated with promotion (Wang, 2006). At first, each employee must be working from bottom of the corporation, then, having promotion step by step, due to organizational culture though this process being inherited and absorbed preferably(Ren, 2003). Secondly, they will choose those employees who are the most improved employees to training by experienced leaders teaching young challengers who will be the deputy jobs (Ren, 2003). Thirdly, it is essential to training coordinated operational capacity through teaching how to build teams (Ren, 2003). Finally, Lenovo China deem to be substance that is an assurance to attract talented persons, such as, giving ten present of stock of coordination, bonus and social welfare according to taking highest standards (Ren, 2003), especially, having vacation with salary and rewarding immediately (Deng, 2002). In addition, with regard to new employments, they all require to attend various oriented trainings. Then, they need to gradually accept trainings of organizational culture, generic skills and aspects of business and management (Deng, 2002). What’s more, though a series of trainings results, evaluation of specialists and 360 degree feedback analyse what aspects of the employees need to strengthen. Next, Lenovo China consider what aspects employees require to train according to their own development. Combination of two parts determines content of training of these employees and the whole year training plans. (Wang, 2006) On the other hand, the method of dismissal and post changing is an old way, but it is popular with employees. When an employee could not exactly exert his knowledge in his position, leaders will consider to giving his chance to check his ability by giving his specific objects. If he could deal with, it illustrates that the thoughts of leader has deviation. If he failed, the leader will have a personal talk when he admits his faults, the leader will continue to supply an opportunity to him. If he could not success until the third opportunity, he will meet refresh the position he stays at present. Then, even if the leader give him a demotion with the same wage as before (Deng, 2002), meanwhile, he will feel not uncomfortable. To conclude, it is a hommization management respecting for each member of the development, providing space of development and helping. 2.2.5The appraisal of individual performance Lenovo China pay attention to performance and ability with very strict appraisal of individual performance (Wang, 2006). Human resource department and every department of managers implement and control the appraisal through two ways which are performance measures and capability assessment. Performance was measured by quantitative evaluation of quality and quantity and cost of accomplished work and other contributions for company. Capability assessment involves work ability, work attitude and potential development (Wang, 2006). Moreover, there are four forms to apprise: superiors to subordinates, staff in the same level, subordinates to superiors, and the department to the department. Meanwhile, Lenovo China use questionnaires for departments evaluate each others in each year (Wang, Zhao and Li, 2009). Furthermore, each leaders and employees should set objectives they want to achieve in each quarter and year and describe what the goals are and list specifically. In the end of each year and quarter, Human resource department and every department of managers have to exam whether the work is achieved and how the quality of work results is (Wang, 2006). In a word, salary decision, promotion and content of trainings are based on these results of the appraisal (Wang, Zhao and Li, 2009). The advantage of the appraisal of individual performance is realizing the importance of taking responsibility by encouraging employees to put their own objectives into enterprise goals (Deng, 2002). In addition, it could supervise the accomplishment of the work. Further, organization could monitor and measure the performance with fairness. However, the appraisal of Lenovo China has disadvantages that employees are evaluated by managers. Due to unsteady factors like personal factors and environmental factors, the result of appraisal will be influenced. What’s more, sometimes emotional problems extremely affect results of evaluation in the process of the appraisal. Some performances are easy to measure like sales, but some are not. 2.3Lenovo China’s leadership Recently, the news said Liu ChuanZhi resigned Chairman of Lenovo China but be an honorary Chairman; what’s more, Yang YuanQing became the Chief executive officer and Chairman (Lenovo, 2011). Liu ChuanZhi, as one of pioneer of the Lenovo China, he creates lots of legends. Therefore, he has his own leadership style. He is more like a participative style of leadership. Liu ChuanZhi always let them raise their new idea, he just inspire them to bring up new thoughts without managing specific matters (Deng, 2002). Moreover, Yang YunQing’s management model is incomplete directive leadership, because he gives his advice at beginning, and then let employees give their views, and at last, he makes decision (Deng, 2002). Consequently, they have a common point which is allowing employees to participate in process of making decisions. They both wish employees’ creative power to get close to organizational goals (Deng, 2002). Hence, this way of encouragement is a great opportunity to fulfil ego needs. In addition, Liu ChuanZhi has distinctive personality and strong charisma which convinces employees, because he is a man of his words, which shows not only in high demands to him but his accomplished commitments for shareholders and employees (Deng, 2002). 2.4Lenovo China’s organizational culture Liu ChuanZhi pays more attention on organizational culture, because it is a representative of Lenovo China and has significance of goals accomplishment (Ren, 2003) like task culture (Mullins, 2010). â€Å"It is reflected in the statement: We do what we say and own what we do (Lenovo, 2011)†. There are four major organizational cultures. Firstly, Lenovo China quite advocate spirit of cooperation, because Lenovo China believe that it is a requirement of maintaining a consistent team (Deng, 2002). Secondly, they emphasize spirit of struggle, because Liu ChuanZhi said that five percent of hope turned into one hundred percent of reality. For example, in 1991, Lenovo Hong Kong had loss of more than fifty million Hong Kong dollars in three months, Lenovo overcame. As a result, Liu ChuanZhi suffered Meniere’s from syndrome (Deng, 2002). Thirdly, great reputation and credit is life of corporation. There are two types which are individuals and corporation. Individual reputation and credit means that working seriously and doing what they had said can win the trust of users, colleagues, subordinates and superior. The reputation and credit of corporation came from satisfaction of users. Lenovo China would rather lose money than lose credibility and reputation (Deng, 2002). For instance, in 2003, the rate of bad account is less than 0.005% (Ren, 2003). Fourthly, innovation and study are one of the cultural of corporation (Deng, 2002). Today’s successes are result from Lenovo China innovating and studying continually. Further, there is a special organizational culture; they have a â€Å"CTIME† for encouraging communicating like a friend. Meanwhile, CTIME means coffee time. Each afternoon at 1o’clock, employees and leaders go to the third floor and can talk easily. Especially, leaders will pay employees for coffee every Tuesday which is for encouraging friendly c ommunication from each other (Pi, 2011). Therefore, the culture of Lenovo China is successful to let employees have cohesions through communication and teamwork. In addition, the efficiency of execution is high because of nice teamwork. Overall, it is a relative perfect culture. 3.0Personal opinions on Lenovo China If there is an opportunity to work in Lenovo China, â€Å"YES† is the answer. At starting, this is a big and well-know corporation. For ego needs, it is based on satisfaction of physical needs at first, like food, clothes and so on. In addition, leadership in Lenovo China is different from other old state-enterprises, because it can produce a sense of belonging through each involvement of employees. When employees contribute to Lenovo China, it is important to embody the meaning of individual existence. They are not complete power control but participative style. Thus, there are more spaces to allow employees to develop strengths though proper freedom. Moreover, the relationship of colleagues is fair competitions instead of vicious and harmful competitions, which makes employments safety. Due to Lenovo China advocating friendly communication between leaders and employees, this policy can get rid of estrangement between people and give enough respect for employees which is attractive. Hence, ego needs could be satisfied. Then, for individual development, Lenovo China offer relevant help. They choose training employees to learn new skills for free, because they have their own training base. Apart from the theoretical knowledge, there are leaders passing on knowledge of their experiences which is treasure and cannot learn from books directly. However, the appraisal of individual performance has a little problem which is evaluation with personal emotions. Perhaps, it is unavoidable, but it can be evaluated through various channels. For example, individual evaluation could do like department appraisal which is evaluated by doing questionnaires in other departments, managers and employees. In other words, the appraisal of individual performance can be evaluated by colleagues, managers and users. 4.0Conclusion In conclusion, it can be seen then that Lenovo China’s people management is relatively successful. Success of Lenovo China is showed on three parts which are approach of people management, leadership and organizational culture. In particularly, in part of approach, it focuses on three aspects which are selecting employees and how to develop employees and the appraisal system. Especially, it indicates that the appraisal of individual performance has shortage. In addition, it mentions that organizational culture is the core of corporation. Finally, it gives opinions on human relation of Lenovo China and reasons. Reference CNN. 2011. Annual ranking of the world’s largest corporations [On-line]. CNN Money. Available from: http://money.cnn.com/magazines/fortune/global500/2011/full_list/401_500.html [Accessed 11 December 2011]. Deng, Z.H. 2002. The human resource management of legend. Hohhotï ¼Å¡Publication of the people of Inter Mongolia Ge, X. 2004. To discuss the Manpower Recourses Management of Legend Grow up. Journal of Liaoning Business Vocational College, 63(2), 18-19. [On-line]. Wang Fang Data. Available from: http://d.g.wanfangdata.com.cn/Periodical_lnswzyxyxb200402009.aspx [Accessed 11 December 2011]. Hegar,K.W.and Hodgetts R.M. 2011. Modern human relations at Work. Google Books. Available from: http://books.google.com.au/books?id=kleg0QYjidUC&pg=PA536&dq=Lenovo+China+human+resource&hl=zh-CN&ei=BL_lTuqtHMSaiAf9v8y2BQ&sa=X&oi=book_result&ct=book-preview-link&resnum=2&ved=0CEMQuwUwAQ#v=onepage&q=Lenovo%20China%20human%20resource&f=false [Accessed 12 December 2011] Lenovo. 2011. Our Company [On-line]. Lenovo. http://www.lenovo.com/lenovo/ca/en/our_company.html [Accessed 15 December 2011] Mullins, L.J. 2010. 9nd ed. Management & organizational behavior. London: Prentice Hall Pi. B.W. 2011. Liu ChuanZhi: Diaries of Managing Lenovo. Beijing: China Railway Publication. Shi,Y.Y. 2008. Analyses and Enlightenment of the model of human resource management. Industrial and science Tribune, 7(12), 250-251. [On-line]. Wang Fang Data. Available from: http://d.g.wanfangdata.com.cn/Periodical_cyykjlt200812123.aspx [Accessed 12 December 2011] Ren, X. 2003. Liu ChuanZhi discussing experience of Lenovo China. Beijing ï ¼Å¡Thread Binding Books publishing House Wang, J.P. 2006. Lenovo:How to turn students into elites. Computer Education, (9), 66-69. [On-line]. Wang Fang Data. Available from: http://d.g.wanfangdata.com.cn/Periodical_jsjjy200609021.aspx. [Accessed 13 December 2011] Zhang, Y.S., Zhao, M.X. and Li, J. 2009. Human Resources Management Cases Series. Beijing: China Social Sciences Press

Zombies Rogerian Argument

Zombies have taken over. They dominate television shows, movies and anything else related to pop culture and have become increasingly more popular as the years progress. Whether it’s a mob of zombies sucking the brains out of a helpless victim on the big screen or zombies terrorizing families on television shows, it is hard to ignore the gory entourage. Fans of zombie lore generally fall into two categories: those who are attracted to the popularity of zombies and see them as purely amusement and those who not only are amused by zombies, but can also see the possibility of fiction becoming reality. The possibility of a zombie apocalypse is very real and terrifying; and most of the population simply wouldn’t survive. No one is safe. Now is the time to prepare and learn about the potential threat and to ensure–above all else– survival. For hundreds of years zombies have conjured images of the reanimated dead, mindlessly searching for the next meal of human brains. While this may be true in Hollywood, zombies actually started out as mindless servants who worked on farms in Haiti, where voodoo was the main religion in practice. Voodoo priests of priestesses are believed to use medicinal concoctions which can bring the dead back to life as zombie slaves, who were then worked out in the fields. This became such a problem in Haiti that family members would guard the graves of loved ones until they were certain the body had begun to decompose, as voodoo only works on the freshly dead. (Real Zombies, 1) At any rate, many people simply do not believe in the possibility of a single zombie, let alone a zombie apocalypse. The notion of a human being brought back to life as a blood thirsty creature does sound far-fetched, and as of yet there have been no documented cases of the typical Hollywood zombie. It is human nature to resist ideas that are so outlandish and terrifying, especially given the seeming lack of proof surrounding a zombie invasion. Normally, such things can be chalked up to a simple fad taking hold of the nation’s youth as a result of cinematic glamour and the growth of social networking. Normally, most people would agree that the zombie craze will be short lived and would certainly not amount to the apocalyptic infatuation that seems to have taken hold of the populace. We always seek the rational, the explainable, the safe. Unfortunately, like history has proven time and again, inexplicable events can often change our views of what is rational and real. There is a very real and poignant possibility that we could be faced with a zombie infestation, and it could occur at any time. The conditions are right. From a scientific standpoint, the ingredients for a devastating zombie outbreak are primed and ready, with some needing only a slight evolution of a bacteria, virus, or even parasites. Toxoplasmosa Gondii is a rather terrifying parasite that can only breed in the intestines of a cat. While that may not seem unusual, the parasite actually lives and grows on rats. In order to be ingested by felines, the parasites take over the rats brain and make it scurry towards where cats habitate. What makes this even more horrifying is that over half of the human population are already infected with Toxoplasmosa and it has been scientifically proven to alter the personality of those who are infected. It would only take a few changes in the parasites to occur either naturally or in a lab before we become slaves to a parasite. Neurotoxins are second on the list. Neurotoxins are poisons(naturally occurring or man-made) that can be used to slow bodily functions to the point of being legally declared dead. They can also be used to bring those people back in a trance-like state with no memory; essentially leaving them as a shuffling, mindless husk. One case in Haiti tells of a Clairvius Narcisse, who was legally declared dead by two doctors but was found 18 years later wandering around a village. A voodoo preist had been using neurotoxins to make Clairvius into a zombie to work his fields. Next is the virus that causes Mad Cow disease. The virus turns cows into enraged attack animals, and when ingested by humans it manifests as Creutzfeldt-Jakob disease. This disease causes hallucinations, lack of coordination, muscle twitching and rapidly-developing dementia that an turn intensely violent. Neurogenesis is also capable of creating zombies. Neurogenesis is the act regrowing brain cells, or entire brains. This sounds great, but a lab who expiraments in neurogenesis has proven that is can cause the brain to die from the inside out; destroying parts of the rain that make us human first. It destroys the cerebral cortex and leaves only basic motor functions and instincts behind. Lastly are nanobots, which are microscopic, self-replicating robots that scientists have used to attach to viruses. These nanobots can survive even after the host dies. Now there are studies that aim to use nanobots to replace damages neural connections in the human brain. They can rewire your thoughts and survive after host death–what could possibly go wrong? (Wong,5) In lieu of the overwhelming scientific evidence that supports the possibility of a zombie apocalypse, it is imperative that the human race be prepared for such an event. It is essential that we strive to get in shape and remain healthy not only for longevity, but also for survival. The reality of the situation is that, quite simply, one cannot possibly deny that science is constantly evolving. There are weapons of warfare, both biological and chemical, that can cause mass dementia, insanity, and eventually death. Wiki,1) Is it so hard to imagine a weapon being forged that could enslave humans by destroying their minds and making them a mindless horde? Suddenly, the concept of a zombie apocalypse doesn’t seem so far fetched. While the vast majority may, thanks to the exaggerations made by Hollywood, not believe in the possibility of a zombie take-over, it is important to remember that anything is possible with the amount of technology that continues to constantly evolve. By keeping in shape, memorizing escape routes at home and being constantly aware, human-kind may stand a chance against a plague of undead. The presence of parasites able to take over brain functions, neurotoxins able to control the body, miniscule robots poised to take over the brain and viruses able to reduce humans into demented, tortured shadows of a creature, it is essential that preparations are taken in the event one of those things should evolve. The reasoning is simple and appeals to human nature: it is better to be safe, than sorry.

The Great Awakening Essay Example

The Great Awakening Essay Example The Great Awakening Essay The Great Awakening Essay Essay Topic: The Awakening The Great Awakening started as a questioning of religion and authority of government.This led to tolerance of new beliefs.The Great awakening created a sense of shared American identity that affected the people who experienced it all across the colonies.People grouped together no matter were they were from or whom they were.It also led to religion for black slaves and Indians because of missionaries. There were many causes and effects of the great awakening.One cause was the low attendance at churches.People thought what is the need to go to church if we can earn or way to a higher place ourselves?After people challenged the church the thought why cant we question the government?The government was threatened by this because they knew the people could and would.It had many effects like the growth in amount of churches.The churches were very competitive to get people to attend their churches. It also lead to many new colleges referred to as the New Light. The great awakening had a v ery intense religious revival.There were many people who led revivals for religious reasons.Jonathan Edwards was one of thefirst and then George Whitefield who made the biggest impact of all the revivalists.George Whitefield went along the Atlantic seaboard preaching looking for sinners who would convert.People who converted felt very independent being able to do what they wanted freely.People who did not convert criticized conversion, also viewed the converters as a threat to established order. The awakening gave America a sense of shared identity.During the great awakening everyone came together due to religion and to convert.Even Indians were involved with Americans religion because of missionaries. All people no matter what race, sat in the same church listening to people like George Whitefield.The awakening was a big step because it brought all people in America together.

The Rise of El Chapo Professor Ramos Blog

The Rise of El Chapo On January 8th, 2016, the world watched in awe as news broke out that Joaquà ­n â€Å"El Chapo† Guzmn, the worlds most powerful drug kingpin, had finally been recaptured by Mexican marines in Los Mochis, Sinaloa. His final capture had occurred six months after he had escaped from a maximum security prison in Mexico through a mile-long underground passage. Today, Guzman awaits trial in a maximum security prison in New York. How did a young rancher from the mountains of Sinaloa become one of the most wanted billionaire drug lords in the world? What caused him to be transformed into a ruthless monster? Born on April 4, 1957, Joaquà ­n Guzmn was from a poor family in the small Mexican town of Badiraguato. His father was very abusive and supported the family by growing marijuana for the drug trade. His father would send his sons to the top of the mountains to harvest their crops.   At fifteen years old, he began growing, harvesting, and distributing   poppy, a plant used to make heroin, and marijuana. He and his cousins managed an entire plantation for marijuana. Little by little he increased his profits to fully support his family. His deeply rooted family background in the drug trade was a major cause for his transformation into a monster. Another major cause in the creation of his monstrosity is his close ties to powerful kingpins. He discovered that his profits can be greatly increased with the distribution from cocaine. He found himself working for the largest cartel at the time, the Guadalajara cartel, and legendary Colombian kingpin, Miguel ngel Fà ©lix Gallardo. Guzmn would started to control his business with brutality and force by putting a bullet through any of his smugglers who were late upon delivery. Recognized by Gallardo for his talent in the business, Guzmn is promoted to Gallardo’s right hand man to manage multiple shipments to be distributed into the United States. After the arrest of Miguel ngel Fà ©lix Gallardo, the Guadalajara Cartel broke up, leaving conflict in the drug trade business. Finally, after many altercations with other drug lords, Guzman had gained some control over Sinaloa. This allowed him to push his aggressive and genius business tactics to new heights. Guzman founded the Sinaloa Cartel, making him a billionaire. These â€Å"achievements†   have made El Chapo to be of a mythical, godlike status among the Mexican people. In Sinaloa, he is considered their savior because he supports the local cities by buying churches, gyms, paving roads. Etc. The townspeople believe that he is everything that the government wasn’t. The townspeople loved and respected him to the point that they would alert him when the authorities were near. He is also honored through folk-songs, or narco corridos. In Los Tucanes de Tijuanas song, El Papa de los Pollitos, El Chapo is perceived as the absolute ruler. The songs talks about how he rules with an iron fist and anyone who crosses him will be dealt with. The title is roughly translated to the father of the baby chicks, which means boss of all the bosses.   This fully supports his comeuppance as a monster because not only does he do terrible things but he has a large group of people that support and praise him. According to thesis one of Jeffrey Cohen’s Seven Theses of Monster Culture, the â€Å" Monster’s body is a Cultural Body (Cohen).† This means that the monster is a result of the current cultural movement or ideas. I believe that Joaquà ­n â€Å"El Chapo† Guzmn and every other cartel member are monsters in modern society because of the War on Drugs.   In 1969 the term â€Å"war on drugs† was used by Richard Nixon to enforce a set of laws that would discourage the use, distribution, and consumption of drugs. It resulted in an effort to eliminate the recreational use of any drug deemed illegal and the incarceration of one million citizens every year. The â€Å"War on Drugs† is a very big political and social issue today. El Chapo would not have been a successful criminal if drugs did not need to be obtained illegally. El Chapo and other cartel members are a result of the culture because the war on Drugs has been a major political focus. The major cause in creation of this monster is his own creation. The Sinaloa Cartel is the largest and most powerful drug trafficking organization in the western hemisphere. The organization brings in roughly three billion dollars a year (Drug Lords). The organizations control and networking reaches every single major city in the United States, and operates in seventeen Mexican states and over fifty countries.   The success and power of the Sinaloa Cartel is owed to the genius strategies of El Chapo making it his biggest cause in the creation of his monstrosity. Today, El Chapo is an media icon and the face of the war on drugs. He is the face of one of the most dangerous and powerful drug trafficking organization in the world that continues to be a threat to the U.S. national security today.   He has given a cause to support the end of allowing immigrants to our country and fear the cartel and gang members that come out of Mexico. A huge part of President Donald Trumps agenda was immigration security by building a wall. This wall is said to keep out dangerous criminals, such as El Chapo, from Mexico. Another effect he has today is his representation in the media.   A song titled, â€Å"El Chapo† by hip-hop artist, The Game, gives the impression that he is godlike and absolute by continuously repeating the lines, â€Å" El Chapo. I am the God.† He is name-dropped in various hip-hop songs to represent absolute power, wealth and ruthlessness. There are many causes for the creation of Joaquin Guzman. From his family history, to his genius business strategies to his ruthless way, he was destined to be what we fear. He is merely a face to put on the countless other monsters that are still roaming free in world of the cartel. Fortunately, this monster will be locked up for a very long time. Annotated Bibliography Cohen, Jeffery J.  Monster Theory: Reading Culture. 1st ed., Univ Of Minnesota Press, 1996. This source tells about the seven theses of monster culture. It is used to analyse the monster and give a better understanding as to why I chose this monster. This source was a given in class, so I assume it is credible. â€Å"El Chapo.† Drug Lords, season 2, episode 1,   ITN Productions, 19 January 2018. Netflix,  https://www.netflix.com/watch/80177679?trackId=14277283tctx=0%2C0%2Cdcec3928-a618-4c19-b7b0-b693c4c02b60-123704365%2C%2C Heinle, Kimberly. Drug Violence in Mexico. Department of Political Science International Relations University of San Diego, 2017. This source tells about the drug violence in Mexico. I plan to use this source to give information more of a background on the topic. I assume this source is credible because it comes from a library database and it is from the university of San Diego. â€Å"Guzmn, Joaquà ­n.† Gale Biographies: Popular People, edited by Gale Cengage Learning, 1st edition, 2018. Credo Reference,  https://search.credoreference.com/content/entry/galegbpp/guzman_joaquin/0?institutionId=5312. Accessed 18 Jul. 2018. This source gives a brief history on Joaquà ­n â€Å"El Chapo† Guzmn’s life leading up to his capture in 2016. It also provides related information on this subject and its references. I will use this formation to introduce my â€Å"monster† and for further information from the sources it provides. I assume this source is credible because it is from a Library Database reference. Los Tucanes de Tijuana â€Å"El Pap De Los Pollitos.†Ã‚  El Pap De Los Pollitos,  Master Q Music, 2014. Schroth, et al. â€Å"â€Å"War on Drugs†Ã¢â‚¬  Encyclopedia of Drug Policy: â€Å"The War on Drugs† Past, Present, and Future, edited by Mark Kleiman, and James Hawdon, Sage Publications, 1st edition, 2011. Credo Reference,  https://search.credoreference.com/content/topic/war_on_drugs?institutionId=5312. Accessed 29 Jul. 2018. â€Å"Sinaloa Cartel.†Ã‚  InSight Crime, 30 Jan. 2018, insightcrime.org/mexico-organized-crime-news/sinaloa-cartel-profile/.This source was used to give information on the Sinaloa Drug organization. The sources website is a used to give information on various topics related to crime. The Game. â€Å"El Chapo.† 9 Oct. 2015.

Analysis Of Sherry Turkle s The Flight From Conversation Essay

Turkle lacks any success in her rhetorical appeal to ethos and does nothing to gain the trust of her audience without citing her quotes or properly identify herself as an expert in the field of social media and human interaction. The audience without her identify herself as an expert doesn’t know whether or not to trust what she is saying or if it is just a paper full of emotion with no proof. Not properly identifying how she is related to the subject matter anywhere in the paper makes the audience feel misguided by any information given which leads to mistrust her as a reliable source of information. This mistrust leads the audience to turn away from Turkle and not to believe her throughout the remainder of the article. She attempts to show that she has done some research by saying â€Å"during the years I have spent researching people and their relationships with technology†¦ listening to me† (Turkle). Turkle wants the audience to trust her that she has done her research, and therefor is an expert in this subject matter and throughout the article is t... ... middle of paper ... ...ticle in The New York Times â€Å"The Flight From Conversation†, she unsuccessfully argues that society needs to drop the habit of using social media as an out for face to face conversation, through her emotionally charged pathos that disrupts her from making valuable arguments that turn into a rant filled paper and the lack of properly assuring the audience that she is an expert in the field of human interactions. Though I do believe that more and more people have relied on technology for interaction with their peers, I don’t believe it has become an epidemic as describe in Turkle’s paper. Social media allows us to be able to connect with each other all around the country and is an effective means of quick communication. People still bond with each other and build meaningful relationships that are not just reliant on a piece of technology like describe so in the article.

Compairing and contrast (using car as a means of transport and using a Essay

Compairing and contrast (using car as a means of transport and using a motorcycle) - Essay Example Even in hot, humid or rainy conditions, car travel ensures a comfortable journey with the help of air-conditioning systems. The closed structure of the car helps the passengers to escape from rains. On the other hand, a passenger on motorcycle needs to face the eventualities with respect to climate changes. On hot seasons, the motorcyclist needs to suffer extreme heat and on rainy seasons, he has to face the problems associated with rains. The safety associated with car travel is more compared to a motorcycle journey. Car runs on four wheels and hence it is more stable than a motorcycle which runs on two wheels. The risk associated with car journey is less than the motorcycle journey. In case of an accident, car passengers have the assistance of different kinds of life saving supports, such as seat belts, airbags whereas a motorcyclist may not have the luxury of such safety measures. The only safety equipment and motorcyclist may have could be a helmet. Car travel cannot provide the thrill and entertainment associated with the motorcycle journey. It is easy for the motorcyclist to move rapidly on traffic filled roads because of the less space needed for it compared to cars. Even on roads where traffic is jammed because of some problems, motorcyclists can easily penetrate trough the jammed traffic because of the less space needed for its travel. Thus motorcycle travel ensures less delay in traveling and it eliminates unexpected road problems up to certain extent. â€Å"Motorcycles tell us a more useful truth: we are small and exposed, and probably moving too fast for our own good, but that’s no reason not to enjoy every minute of the ride† (Sanborn) Motorcycles need less space for parking compared to cars. In other words, a motorcyclist can park his vehicle nearer to his destination whereas a car owner sometimes forced to park their vehicles even hundreds of meters away from his actual destination because of parking problems nearer to

HOSPITALITY AND HOTELS IN THE UK INDUSTRY COURSEWORK

HOSPITALITY AND HOTELS IN THE UK INDUSTRY - Coursework Example ort about the Hospitality and Hotel Industry of the United Kingdom we will discuss the position of the hotel industry today, and how it has emerged from a depression. We will also discuss the ongoing trends, economic factors and other external factors that will affect the hotel industry. Moreover, the report establishes link between hospitality sector and other sectors of the UK economy like travel, tourism and leisure. It has been unveiled that the hotel owners in the United Kingdom are coming out of an approximately three year long economic depression, their revenue had declined significantly. The numbers of occupancies and the room rates have now increased according to the PwC. The four star brand hotels have increased as cutting down in budgets have forced the traveller who is conscious about its travelling cost live in low cost hotels, this has increased competition in the United Kingdom hotel industry due to an increase in the supply of hotels. According to PwC the number of occupancies in the region is estimated to rise to 71 percent, this level was last seen in 2007 and 2008. The rates will be best since 2009; the average daily rates this year might be up to  £60. The main standard for the hotel industry regarding the revenue per available room will increase by 1.8 per cent next year to  £43.44, this is not as good when compared to inflation however it shows some sign on stability in the hotel industry. There are 12,600 hotels in the United Kingdom with 633,000 rooms total; further 20,000 rooms are expected to open in about 200 hotels in 2013 and 2014. In the market for four star hotels there are many developments going on for example Starwood Hotels Aloft which is opening in Liverpool. (Blitz, 2013) The hospitality industry does not merely comprises of hotels and resturants but there are varies range of services and organizations types included in this industry. There are mainly 12 different sectors of this industry. All of these sector offer wide

Nuclear plants and seafood safety Dissertation

Nuclear plants and seafood safety - Dissertation Example Contents†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦? List of Figures†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦? List of Tables†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..? Chapter 1 Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..8 Chapter 2 Review of Literature†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã ¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦10 2.1 Nuclear energy science†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 10 2.2. Civilian use of nuclear energy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦12 2.3. Why nuclear energy?.....................................................................13 2.3.1. Fuel Shortage†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..13 2.3.2. Clean Energy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦15 2.3.3. Safe Energy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦16 2.3.4. Cost-effective Energy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦17 2.4 Nuclear plants: history †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦18 2.5. Risks of Nuclear Energy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦....19 2.5.1. Radioactive Contamination†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.19 2.5.2. Waste water and materials from nuclear plants†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..19 2.6 Impact of Nuclear Power Plants on Living Organisms in Sea and the Sea Ecosystem†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..23 2.7 Impact of Sea Food which has undergone radioactive contamination on Human Health †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..24 2.7.1 Safe Levels an d... The impact of nuclear plants on seafood safety has of late become a matter of grave concern, especially in the aftermath of Japanese Tsunami disaster and its fall out on the nuclear plants of Japan. Worldwide import ban on Japanese seafood was the immediate response to it. Though it is argued fish can be grown safely in the vicinity of a nuclear plant, the possibility of radioactive contamination cannot be ruled out as was found in the case of Sellafeld nuclear plant. Added to this, the thermal pollution caused by the effluent warm water from the nuclear plants has the potential to destroy the surrounding entire sea ecosystem, as was shown in the instances of massive algal blooms. Above all, the sustaining risk of a nuclear accident and the consequences to sea food, as was shown in the sea food studies in the aftermath of Japan’s Fukushima nuclear plant once again raise the question whether nuclear energy plants could be an option even. When a compilation is made of the availa ble literature on the threat posed by nuclear plants to sea food safety, negatives are found to far outweigh the positives. Notwithstanding many positive aspects of nuclear energy, the recent earthquakes on Japan’s sea coastline and the consequent risks that emerged from Japanese nuclear plants, signifies a need for rethinking on nuclear energy. There is emerging a major shift in the direction of discourses happening on the nuclear energy front in terms of choice and viability.

Water Resources Supply and Pollution Assignment Example | Topics and Well Written Essays - 500 words

Water Resources Supply and Pollution - Assignment Example Topology is the study of the earth’s shape of the surface and features or those of moons, planets, and asteroids, as well as the description of such surface features and shapes. Topology is concerned with local detail in general, including human-made features and vegetation, and even, besides relief, culture and local history. The topography of Hawaii islands does a vast job affecting the weather that synoptic level models are sometimes insignificant. Most of the examples in this paper are taken from the Island of Oahu. This island is the most inhabited of the eight most important islands that consist of Hawaii, and since it houses Honolulu there is extensive date available on it. The Mauka and windward showers hit sections of the islands. This is caused by the pacific High which is the main influence on the climate for 50-80 percent of the year. It fuels the trade winds which fade away moisture off of the ocean as they head towards Hawaii. Wailuku River is the main source of water in Hawaii. Chemical and biological data indicate relatively clean water compared to similar streams in the conterminous United States. Due to the channel gradient, the number and types of benthic organisms are low in Wailuku River. The stream-bed is formed of lava flows from Mauna Loa Volcano, and the stream channel is characterized by a series of waterfalls and plunge pools. Headwaters of the Wailuku River flow intermittently from about 11,000 feet on the east-southwest side. In Hawaii, most of the drinking water comes from rivers and lakes. Water in Hawaii is pumped up from subversive aquifers or harvested from mountain streams. Fresh water is abundant in Hawaii; this is because the convergence winds upon the Islands forested mountains (Case 45). In Hawaii, water refuse has been fundamentally relegated to agricultural irrigation and large industries. The continuing effort

Wood in Construction Essay Example | Topics and Well Written Essays - 750 words

Wood in Construction - Essay Example Working with laminates is much harder than working with plywood. The traditional methods of working with screws and nails work well with plywood. However, laminates cannot hold nails since they are weaker hence they are only joined by screws. Laminates and plywood can be compared in terms of their difference in lamination. Laminates are often laminated when they are being manufactured. Plywood, on the other hand, is not pre laminated by the manufacturer (Miller, 1963). Therefore, decorative laminates have to be bought separately, trimmed to size and glued to the plywood during construction. Lastly, laminates and plywood differ in quality. Laminates get damaged easily when exposed to humidity and moisture while plywood is mostly resistant. It is manufactured in various grades ranging from marine grade plywood to moisture resistant ply wood.Today, various types of wood are used in construction. For example, Pine, Douglas fir, and Poplar are often used to make solid wood doors (Meza, 20 13). Wood has been tested and used efficiently over the years for a different variety of structural activities. New houses in the world today are mostly made of wood framed construction. However, one needs to comprehend its weaknesses and strengths in the construction process before using it. The most attractive component of laminates for customers in the construction industry is most likely that it is cheaper when compared to solid wood or plywood. However, plywood is more durable and costlier.

Nuclear plants and seafood safety Dissertation

Nuclear plants and seafood safety - Dissertation Example Contents†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦? List of Figures†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦? List of Tables†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..? Chapter 1 Introduction†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..8 Chapter 2 Review of Literature†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã ¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦10 2.1 Nuclear energy science†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ 10 2.2. Civilian use of nuclear energy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦12 2.3. Why nuclear energy?.....................................................................13 2.3.1. Fuel Shortage†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..13 2.3.2. Clean Energy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦15 2.3.3. Safe Energy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦16 2.3.4. Cost-effective Energy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦ †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦17 2.4 Nuclear plants: history †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦18 2.5. Risks of Nuclear Energy†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦....19 2.5.1. Radioactive Contamination†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦.19 2.5.2. Waste water and materials from nuclear plants†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..19 2.6 Impact of Nuclear Power Plants on Living Organisms in Sea and the Sea Ecosystem†¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..23 2.7 Impact of Sea Food which has undergone radioactive contamination on Human Health †¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦Ã¢â‚¬ ¦..24 2.7.1 Safe Levels an d... The impact of nuclear plants on seafood safety has of late become a matter of grave concern, especially in the aftermath of Japanese Tsunami disaster and its fall out on the nuclear plants of Japan. Worldwide import ban on Japanese seafood was the immediate response to it. Though it is argued fish can be grown safely in the vicinity of a nuclear plant, the possibility of radioactive contamination cannot be ruled out as was found in the case of Sellafeld nuclear plant. Added to this, the thermal pollution caused by the effluent warm water from the nuclear plants has the potential to destroy the surrounding entire sea ecosystem, as was shown in the instances of massive algal blooms. Above all, the sustaining risk of a nuclear accident and the consequences to sea food, as was shown in the sea food studies in the aftermath of Japan’s Fukushima nuclear plant once again raise the question whether nuclear energy plants could be an option even. When a compilation is made of the availa ble literature on the threat posed by nuclear plants to sea food safety, negatives are found to far outweigh the positives. Notwithstanding many positive aspects of nuclear energy, the recent earthquakes on Japan’s sea coastline and the consequent risks that emerged from Japanese nuclear plants, signifies a need for rethinking on nuclear energy. There is emerging a major shift in the direction of discourses happening on the nuclear energy front in terms of choice and viability.

Wood in Construction Essay Example | Topics and Well Written Essays - 750 words

Wood in Construction - Essay Example Working with laminates is much harder than working with plywood. The traditional methods of working with screws and nails work well with plywood. However, laminates cannot hold nails since they are weaker hence they are only joined by screws. Laminates and plywood can be compared in terms of their difference in lamination. Laminates are often laminated when they are being manufactured. Plywood, on the other hand, is not pre laminated by the manufacturer (Miller, 1963). Therefore, decorative laminates have to be bought separately, trimmed to size and glued to the plywood during construction. Lastly, laminates and plywood differ in quality. Laminates get damaged easily when exposed to humidity and moisture while plywood is mostly resistant. It is manufactured in various grades ranging from marine grade plywood to moisture resistant ply wood.Today, various types of wood are used in construction. For example, Pine, Douglas fir, and Poplar are often used to make solid wood doors (Meza, 20 13). Wood has been tested and used efficiently over the years for a different variety of structural activities. New houses in the world today are mostly made of wood framed construction. However, one needs to comprehend its weaknesses and strengths in the construction process before using it. The most attractive component of laminates for customers in the construction industry is most likely that it is cheaper when compared to solid wood or plywood. However, plywood is more durable and costlier.

An Analysis of Jonathan Swift’s “A Modest Proposal” Essay Example for Free

An Analysis of Jonathan Swift’s â€Å"A Modest Proposal† Essay Satire as a form of discursive practice may be properly understood if it is contextualized within a particular culture, institution, attitude, or belief. It is only by placing the satire within a particular setting [as presented by the elements mentioned above] that a satire will garner the â€Å"non-linguistic components covering the preparatory preconditions necessary for the construction of satirical discourse† (Simpson 70). An example of the satire as a form of discursive practice is evident, for example, in Jonathan Swift’s â€Å"A Modest Proposal†. In the aforementioned work, Swift presents a situation wherein the persona of his text urges the population on acts of cannibalism in order to lessen the problems caused by Irish overpopulation. The persona starts his proposal with an initial description of his surroundings. He notes, â€Å"It is a melancholy object to those who walk through this great town†¦when they see the streets†¦crowded with beggers of the female sex, followed by three, four, or six children, all in rags, and importuning every passenger for alms† (Swift 52). It is important to note that such a description is characterized by the persona’s detachment towards his surroundings. Note for example, the manner in which a two senses of the concept ‘object’ is used. The aforementioned passage thereby portrays not only the persona’s ‘objective’ appraisal of his surroundings but also the persona’s ‘objectification’ of the individuals encompassed within that area. Such an objectification is further evident in the following passage: Some persons of a desponding spirit are in great concern about the vast number of poor people, who are aged, diseased, or maimed†¦But I am not in the least pained about that matter, because it is very well known that they are everyday dying, rotting, by cold, and famine, and filth, and vermin, as fast as can be reasonably expected. (Swift 56) The persona’s use of the two senses of object, in this sense, may be understood as a manner in which Swift portrays the irony evident in the context of the text. The irony is evident if one conceives of â€Å"A Modest Proposal† as a text which presents a delimited view of the world. As opposed to a satire’s ironic presentation of a particular situation [in fact an ironic portrayal of a particular mindset], humor, on the other hand, portrays the manner in which worldly interests are given more credence as opposed to lofty ideals. An example of this is evident in Samuel Beckett’s writings wherein Beckett focuses the text to the importance of existence [as well as the importance of the meaning of existence] in relation to the ordinary objects. As opposed to a satire which might present a bland ethnocentric perspective regarding racial discrimination, the emphasis on modern humor would be on the problematic construction of such concepts that enable racial discrimination to exist [e. g. opposition of black and white]. In line with this, Colebrook notes, â€Å"both irony and humor play off the gap between concepts and world† (241). The difference, however, lies in the difference of presentation noted above. Works Cited Colebrook, Claire. Irony in the Works of Philosophy. Nebraska: U of Nebraska P, 2003. Simpson, Paul. On the Discourse of Satire: Towards a Stylistic Model of Satirical Humor. Philadelphia: John Benjamin’s, 2003. Swift, Jonathan. â€Å"A Modest Proposal. † A Modest Proposal and Other Satirical Works. New York: Dover, 1996.

Comparison of Housing Loans from SBM and UBI

Comparison of Housing Loans from SBM and UBI This research article is aimed to compare and critically analyse the housing loan schemes offered by State Bank of Mysore and Union Bank of India, Bangalore Branch, India OBJECTIVE OF THE STUDY To recognize and evaluate literature relevant to the theories of home loans. To evaluate the general awareness of the various schemes currently offered by HFCs / banks and the purpose of which housing loan are given. To perform comparative analysis for housing loan schemes for State Bank of India and Union Bank of India. To study the documentation process in HFCs (Housing Finance Companies) and critically evaluate problem faced by clients during the process of lending housing finance in banks. To assess and suggest appropriate Conclusions and Recommendations with regards to housing loan schemes offered by SBM or UBI Bank to the customers. Introduction This article explains the housing loan schemes offered by banks in order to bolster the current housing finance situation in India and to taper down the margin between the housing demand and the availability of houses, The National Housing Bank was set up in the year 1988. This was done by keeping in mind that a home seeker though does have a desire for a house but lacks the resources for construction or buying it. To give an enhancement to private housing finance institutions the National Housing Bank came into the picture. It is a principal agency to promote housing finance institutions both at local and regional levels and to provide financial and other support to such institutions. While it is important to keep in mind that the National housing Bank itself does not give loans or finance individuals or a party as such. It is only a corporate body to promote, establish, support or aid the housing finance institutions.   India have been serving the people for around three decades and providing various housing loan schemes according to the customers various needs at attractive and reasonable interest rates. In order to facilitate the best housing loan schemes at the least interest rate this research article will help in critically evaluating and comparing the schemes of housing loan for two banks i.e. State Bank Of India and Union Bank of India, Bangalore, India in order to know the best offers provided by the banks as well their performances in order to retain in competition within marketplace. This research article analyses the effectiveness and efficiency of housing loan schemes provided by SBM and UBI bank which will provide its customers a attractive interest rates in on housing loan. Company Overview of SBM and UBI State Bank of Mysore was formed as Bank of Mysore Ltd. in 1913 under the benefaction of the former Government. Of Mysore, on the illustration of the banking commission headed by the great Engineer-Statesman,  Late Dr. Sir M.Visvesvaraya. Subsequently, in March 1960, the Bank became an Associate of State Bank of India. State Bank of India holds 92.33% of shares. The Banks shares are listed in Bangalore, Chennai, and Mumbai stock exchanges. Branch Network The Bank has a widespread network of six hundred eighty two only (682) branches (as on 30.09.2009) and 20 extension counters spread all over India which includes 5 specialised SSI branches, 4 Industrial Finance branches, 3 Corporate Accounts Branches, 4 specialised Personal Banking Branches, 10 Agricultural Development Branches, 3 Treasury branches, 1 Asset Recovery Branch and 8 Service Branches, offering wide range of services to the customers. Human Resources The Bank has a dedicated workforce of 9720 employees consisting of 3169 supervisory staff, 6551 non-supervisory staff (as on 31.03.2008). The skill and competence of the employees have been kept updated to meet the requirement of our customers keeping in view the changes in the environment. (Source: http://www.statebankofmysore.co.in/profile.htm) Union Bank of India UBI Bank is consistently dedicated to bind and maintain its distinctiveness as a foremost, pioneering cost-effective Bank, by means of a down to business approach to the shifting requirements of the general public. A extensive scale of goods and services has been resulted and also made accessible to its precious customers to cater the least of their requirements. Today, with its well-organized, value-added services, continual intensification, reliable productivity and expansion of innovative technology, UBI bank has ensured comprehensive shopper delight, keeping up its image,  Ã¢â€š ¬Ã…“GOOD QUALITY POPULACE TO BANK WITHâ‚ ¬?.   The key to the triumph of any organisation lies with its personnel or manpower. No wonder, UBI dedicated tem of dynamic and enthusiastic skilled personnel consists of 26000 thousand employee who contribute to the maximum in order to ensure growth for UBI. The bank went for Initial Public offer (IPO) on 20th august 2002 which was followed by the publi c offer made on February 2006.Government of India holds fifty five percent (55.43%) share capital of Union Bank the current share capital holding of the bank is forty four point five seven percent 44.57 % which includes Individuals and Others. Reason behind choosing the topic for the study Housing is the one of the main priority sector needs a lot attention now days the interest rate of the housing loan is raising very high customers are worried about the rates due to indefinite fluctuation. This study is about the comparison of the various schemes and the interest rate of the two banks State Bank of Mysore and Union Bank of India. After this study we will be able to know that which bank is more convenient in the lending of loan. Different schemes of the bank are convenient in different manner according to customers priority. The study is important also in case of comparison of the many other banks schemes to these two banks. Literature Review Meaning of Loan: Loan is a method of lending under which bank gives credit to a borrower for a fixed period and for a specific purpose. Loan are promises for future payment, they have to be repaid in periods beyond a year and are therefore long-term liabilities 3.3Types of Loan: Generally bank grant loans for different period like shorts, medium and long and for different purpose. Broadly, the loans granted by banks are classified follows Bank Loans (1) Short-term Loans: Short-term loans are granted to meet the working capital needs of the borrowers. These loans are granted against the securities of tangible assets mainly the movable assets like goods and commodities, share debenture, etc. (2) Term Loans: Medium and long-term loans are usually called term loans. These loans are granted for more than a year and are meant for purchase of capital assets for the establishment of new units and for expansion or diversification of an existing unit. Loan Procedure: Generally various banks adopt following procedure for loan. Appraisal of Loan Submit the Application Documentation Convene to loan applicant To Issue Draft or Pay order Submit the Application: First of all the loan borrower should submit application to the particular bank. The borrower is required to fill out a common application form, which seeks comprehensive information about proprietors and loan borrowers back ground and his business network and as well as his cost of project and economic consideration. Appraisal of Loan: The bank follows good appraisal system for effective lending and to make easy repay in future way. The main task of the lending bank is to make sure that the income generated from the loan is sufficient to repay the loan installments according to the terms and conditions of amortization. The risk involved in term lending is much more than the risk in short-term lending because the loans are given to new undertaking, or for the modernization and expansion of existing undertaking and for loan period. Before sanctioning any loan a banker should assure himself that the borrowing concern shall be able to earn sufficient income to pay the loan installments. The methods of analysis and standard to be adopted for an appraisal of loan are more similar to investment decision than to short-term lending. The appraisal of loan included projection of future trends of output, sales estimated of costs, returns and flow of funds. It is extremely difficult to have a clever cut formula for the appraisal of term loan since many factors have to be considered such as the type of borrowing bank and its activities, the markets potential, its management, and financial position. The amount of loan and the period of its repayment. Another important factor is whether to give weight age to profitability or to its broad economic significance in the development of the economy. A term loan may be appraised by considering four different aspects of the proposal. They are: Technical feasibility Economic feasibility Managerial competence Financial feasibility Documentation: After completing the step of submit the application and appraisal system of loan. Then loan applicant should collect the document for borrowing loan, every documents and requirement are needed according to the co-operative bank rate. If the loan applicant wants to borrow loan of huge amount, so at a time strong documents are presented by loan applicant against bank like evident of shareholders, original and photocopy of propertys documents, photocopy last three years income tax returns file, etc. if loan applicants has no any recommendation from share holder so firstly the bank becoming share holders of his bank by issuing share to them, so above types of documents are used to borrow loan and advances from the bank. Convene to Loan Application: After collecting the necessary documents, an officer of the recipient bank review it to ascertain whether it is complete for processing, when the application is considered complete. Then the co-operative bank held meeting of his loan applicant and sanctioned the particular loan. Generally this meeting is convened on Monday and Thursdays in every week. Otherwise expected it in other contingent situation and gives date, day and time for delaying particular meeting. To Issue Draft or Pay order: At the last stage is that, after convening of loan applicant and sanctioning loan, borrower should pay its stamp duty, margin and one installment of loan, then in the stamp document or stamp procedure. Then bank gives to them pay order or draft. If the any loan borrowers want to purchase machinery or vehicle from out of city so he need quotation of that particular company, and finally bank made draft of companys name otherwise if the quotation of city area so at a time the co-operative bank made pay order of companys name. Them it gives to company through loan applicant. Thus above procedure is followed by the loan applicant, who wants to borrow loan from banks and satisfied his goal or objectives. 1.) In December 2006 Fulbag Singh and Reema Sharma had studied about the housing Finance in India. Housing, as one of the three basic needs of life, always remains on the top priority of any person, economy, government and society at large. In India, majority of the population lives in slums and shabby shelters in rural areas. From the last decade, the Government of India has been continuously trying to strengthen the housing sector by introducing various housing loan schemes for rural and urban population. The first attempt in this regard was the National Housing Policy (NHP), which was introduced in 1988. The National Housing Bank (NHB) was set up in 1988 as an apex institution for housing finance and a wholly-owned subsidiary of Reserve Bank of India (RBI). The main objective of the bank is to promote and establish the housing financial institutions in the country as well as to provide refinance facilities to housing finance corporations and scheduled commercial banks. Moreover, f or the salaried section, the tax rebates on housing loans have been introduced. The paper is based on the case study of LIC Housing Finance Ltd., which analyzes region-wise disbursements of individual house loans, their portfolio amounts and the defaults for the last ten years, i.e., from 1995-96 to 2004-05 by working out relevant ratios in terms of percentages and the compound annual growth rates. A relevant chart has also been prepared to highlight the results. 2) In May 18, 2007 Michael La Cour-Little had studied about the Economic Factors Affecting Home Mortgage Disclosure Act Reporting. The public release of the 20042005 Home Mortgage Disclosure Act data raised a number of questions given the increase in the number and percentage of higher-priced home mortgage loans and continued differentials across demographic groups. Here we assess three possible explanations for the observed increase in 2005 over 2004: (1) changes in lender business practices; (2) changes in the risk profile of borrowers; and (3) changes in the yield curve environment. Results suggest that after controlling for the mix of loan types, credit risk factors, and the yield curve, there was no statistically significant increase in reportable volume for loans originated directly by lenders during 2005, though indirect, wholesale originations did significantly increase. Finally, given a model of the factors affecting results for 2004-2005, we predict that 2006 results will c ontinue to show an increase in the percentage of loans that are higher priced when final numbers are released in September 2007 3.) â‚ ¬Ã…“The housing finance market has been consistently exhibiting rapid growth in the past few years. Growth has been largely concentrated on urban areas and in the middle to high income groups, focusing on the salaried class. This growth was partly fuelled by the entry of commercial banks seeking asset growth in a sluggish business environment coupled with the tax incentives on housing loans. The banks, with their lower cost of funds, extensive branch network, capability to provide a range of personal banking services and aided by the average low default rates in housing finance, could expand the market considerably. They however, continued to focus on middle to higher income groups. Lower income groups, self employed and the rural population are by and large excluded. While the middle and higher income groups may continue to access conventional housing finance, increasing attention will need to be paid to the needs of the underservedâ‚ ¬?. (Source: Saravanan P. Recent Experiences in the Housing Finance Sector A Study with Reference to India.  Housing Finance International  [serial online]. September 2007; 21(5):45-48. Available from: Business Source Complete, Ipswich, MA. Accessed June 17, 2010) 4.) The innovations in housing finance systems in advanced economies over the past two decades have altered the role of housing sector in business cycle and in the monetary transmission mechanism. It concludes that these changes have spilovers from the hosuing sector to the rest of the economy and have amplified their impact by strengthening the role of housing as collateral. This analysis suggests in economies were developed mortgage markets, monetary policymakers may need to respond over aggressively to developments in housing sectors, within a risk-management approach that treats house price dynamics as one of the key factors to be considered in assuming balnce of risks to output and influence. (Source: World Economic Outlook(International Monetary fund), 2008, ISBN 978-1-58906-719-6) 5.) Today, the housing finance market has evolved into an oligolpolistic structure (SSKI, 20606) with three dominant providers-DFC, the largest housing company, ICICI bank the largest private sector bank, State Bank of India the largest bank in country. According to SSKI India research estimation in 200, the three leading housing credit providers accounted for approximately 75 of the market. Only a few foreign banks are involved and they tend to focus on High net worth individuals.Towards the end of 2005, India saw a graduate inching uo of interest rates. Despite this, close to 85 % of housing credit customers still prefer floating rate of interest.(Source: Housing Finance mechanism in India, 2008, ISBN- 978-92-1-131970-5, [emailprotected] United Nations Human Settlement Programme 2008) 6.) â‚ ¬Ã…“As per a article report published in wall street the trend in housing sector in India as on February 20,2008 were heading for a slowdown. The withdrawal of an Initial Public offering (IPO) by Emaar MGF Pvt. Ltd is an indication of difficulties companies worldwide are having in tapping market. (Source: Kilbinger, Sara Seddon. India Faces Housing Slowdown.  Wall Street Journal Eastern Edition  20 Feb. 2008: B7.  Business Source Complete. EBSCO. Web. 17 June 2010) 7.) â‚ ¬Ã…“The housing market in the Indian metropolitan city of Bangalore. Some problems of housing finance from the viewpoints of families and of public authorities are indicated. It is argued that it is these financial problems that make access difficult for the poorer half of the population of Bangalore to forms of housing other than inner city slums or urban fringe informal housing. Public housing with its unrealistic standards of service provision, but especially its high initial access costs is not well designed to meet the needs of the majority of families. The paper concludes that unless public housing authorities emulate the private housing market they will continue to play a marginal role in housing in a city such as Bangalore. There are signs that this is happening in India with experimentation in both housing finance and lower service standard. (Source: Blore, Ian. Housing and the working class in an Indian metropolis.  Public Administration Development  9.5 (1 989): 557-568.Business Source Complete. EBSCO. Web. 17 June 2010.) 8.) The housing sector in India for several decades faced a number of set-backs, such as an unorganized market, development disparities, a compartmentalized development approach and a deterrent rent control system. There was not even a concerted attempt to understand the housing problem let alone promote it. Reforms introduced in the sector during the 1990s, however, have overturned the situation to a great extent. The designing of a shelter policy, the organization of the housing finance market, the introduction of fiscal incentives, increased public investment, legal reforms and others initiatives have brought about a number of changes in the housing sector. Interestingly, these changes have been concerned with both reducing the housing shortage and increasing the number of quality housing stock besides increased access to various other housing amenities like safe drinking water, good sanitation and household electricity. However, the reform initiatives of the housing sector need t o take deep roots and to go a long way to address the growing incidence of sub-standard and dilapidated housing stock for further minimizing the deprivations of housing amenities. This paper considers a few policy options towards addressing the challenges of the housing sector. (Source: Mahadeva M. Reforms in housing sector in India: impact on housing development and housing amenities.  Habitat International[serial online]. September 2006;30(3):412-433. Available from: Business Source Complete, Ipswich, MA. Accessed June 17, 2010) OPERATIONAL DEFINITION OF THE CONCEPT EMI- Equated Monthly Installment is what a loaner pays the Banks every month towards repayment of loan. It is comprises of principle and interest. EMI = L * r (1 + r) n x 1 (1 + r) n â‚ ¬Ã¢â‚¬Å" 1 12 Interest rate- It is the amount which banks charge along with the principal amount per year on the basis of fixed rate or floating rate. UBI- Union Bank of India SBM- State Bank of Mysore HFC- Housing Finance Company METHODOLOGY The study dwells on both secondary and primary data. The primary data is collected through interviewing staffs of the banks, secondary data is collected through past details of the Housing finance structure, reports, pamphlets, brochures etc Primary research is form of research which includes the gathering of new data using an acknowledged research method. This could be in form of opinion poll, questionaaire, telephonic interviews or personal interview etc For this research article the author has chosen to carry out primary research by collecting data in form of questionnaire or by interviewing SBM and UBI with the support of bank officials or staff members of bank. Secondary Research is referred to data which is not a original creation. This form of data is already available to a researcher in order to carry out the research process in form of websites, journals or newspapers or company annual reports. How Primary data can be collected: 1.) Questionnaire or Opinion Polls: Questionnaire or opinion polls are intended to gather primary data from a sample taken into consideration, with a aim to critically evaluate or analyse the data in form of tabulated results e.g. stastical data or even by simplifying the results in form of a inference of the numeric data. Questionnaire can be performed in several ways such as telephonic interview, Emails, Online surveys or face to face. These methods of opinion polls are elaborated in broader perspective: Telephone interview: This is the most important and widely accepted method of collecting the original and accurate data for resolving the complex issues and providing the accurate solutions. Merit: From the author point of view the main merit of this method is that its more time consuming and a person can explain views more easily which they cannot do sometime face to f ace. Demerit: The demerit of this method could be that the rejection for telephonic interview which doesnt allow the researcher to receive any data for the research. Online Surveys: Surveys nowadays most commonly and widely accepted method of research as it can be presented in many dimension and can be analysed and interpreted based on the requirement of the person and also can be presented in form of tabulation sheets or some analytical software. Merit: This method is very advantageous as a researcher can have a global access from the respondent and its more faster and accurate and easy to administer. Demerit: For this method to have access a user must be well versed with computers as well as its more global method a user should ahve access to internet so that could be a biggest drawback in order to collect data if the respondent dont have knowledge or access to these resources. Personal interview: This form of method is acceptable by everyone as its being designed and implemented based on the convenience of the respondent. A respondent can choose their timing to answer the questionnaires as well its helps in solving the complex issues as it provides the accurate data as well a discussion about the analysis of data from the respondent Merit: The main advantage of face-to-face or direct interviews is that the researcher can accommodate the questions as necessary, classify doubts and ensure that the responses are properly understood, by repeating or rephrasing the questions. The researcher can identify nonverbal clues from the respondent. Disadvantages: The main disadvantage of face-to-face interviews is that geographical limitations may impose restrictions on the surveys and the vast resources that would be needed if such surveys need to be done nationally or internationally. Respondents may feel uneasy about their privacy of their responses when they interact face-to-face with the interviewer. Postal Interview: The most commonly used method of distribution which is fairly easy to administer. The questionnaire and the covering letter will be posted to the sample, usually with a prepaid envelope for returning the completed questionnaire. For this medium short questionnaire will be used. Advantages: A wide geographical area can be covered with the use of postal interview. The respondents use their convenience to fill the form at their own pace. Anonymity of respondents is high. Disadvantages: Any doubts that respondents have cannot be clarified. The return rates of mail questionarres are typically low. Follow up procedures for non responses are necessary in postal interviews. Sampling: Survey provides representative information about a group from which sample was drawn. This qualitative research will involve nonrandom sampling or non-probability sampling where everyone in the population will not have an equal chance to be chosen as part of a sample. The non-probability samples provide good estimates of a population characteristic. Target Population: The target population of my sample will include all bank employees of IS bank. The recruitment of individuals for participation will require the selection of individuals who are employees of IS bank. The sample for the research survey will be selected mostly by these methods: Convenience Sampling: This will be used to identify bank employees who are willing and available for the research survey. As most of the bank employees will be working and will not be available for questioning convenience sampling would be a better choice. Snowballing: This sampling method will be used to identify the first participant. Then that first participant will be asked to refer to other participants with similar characteristics. I have used this method to select bank employees and their friends. It is easier to get representatives for research through this method that has same characteristics. Secondary data can be obtained by: Comparative Case studies: I will go through case studies of competitors who are offering mortgage products in the Turkey market. This will help in understanding their strategies and policies. It will also help in understanding about how they achieve their goal. It will also help in identifying the challenges they faced during marketing their products. Comparative Case Studies helps in comparing two industries and understanding their shortfalls. Hypothesis Since the interest rate on home loan is frequently changing and it is expected that it will rise again by the end of the year 2010. Customers who want to take loan for a long time i.e. more than 15 years and also the big amount are really worried about the payment of high EMI. The problem is mainly for salaried class people who are unable to pay the EMI fixed by the banks on their monthly salary. As the fixed rate of interest is 12.5% now customers are suggested to take loan on floating rate of interest. So hypothesis will be based on the current and future trend of the interest rates of the banks. Analysis of Data Data for analysis will be present in following ways in order to carry out the research as well to do comparative analysis for the subject by giving information in different perspective. Frequency tables  Ã‚   Bar charts, histograms and pie charts  Ã‚   Contingency tables or cross-tabulations   Quantitative and Qualitative data: Qualitative data is form of data which includes the fact and figures such as financial report of a company and Quantitative data is a form of data which can be used analyse the data which is in form of questionnaire and surveys which help in order to analyse the current situation of company and provide the better solutions for company. For this research article author will be using both the data Quantitative as well Qualitative as the research includes both data collection numeric data as well survey or questionnaire data. 3). LIMITATIONS OF THE STUDY If there are advantages of study then obviously there are limitations of that study also. So, some limitations of this study are: This is basically an academic study suffers from time and money constraints. The other limitation includes the sample size, which is small. Analyses of only two banks are done rather than more banks Study is limited to local area of Bangalore, India Since banks are not willing to disclose their client details so the availed information is limited to report, pamphlet, brochure etc. SCOPE OF STUDY The study mainly deals with Housing Finance Sectors. The two important sectors identified for this purpose are companies and client of public and private Housing finance sector in Bangalore, India. AREA OF THE STUDY The study is limited to only one branch of both banks i.e. UBI and SBM situated in Bangalore due to time, money and information availability constraints. Ethics As the research article is focused on banking industry the confedentiaity of the data will be used for academic purposes within the field of study that is housing schemes of two banks and as per the accordance of business ethics. Comparison of Housing Loans from SBM and UBI Comparison of Housing Loans from SBM and UBI This research article is aimed to compare and critically analyse the housing loan schemes offered by State Bank of Mysore and Union Bank of India, Bangalore Branch, India OBJECTIVE OF THE STUDY To recognize and evaluate literature relevant to the theories of home loans. To evaluate the general awareness of the various schemes currently offered by HFCs / banks and the purpose of which housing loan are given. To perform comparative analysis for housing loan schemes for State Bank of India and Union Bank of India. To study the documentation process in HFCs (Housing Finance Companies) and critically evaluate problem faced by clients during the process of lending housing finance in banks. To assess and suggest appropriate Conclusions and Recommendations with regards to housing loan schemes offered by SBM or UBI Bank to the customers. Introduction This article explains the housing loan schemes offered by banks in order to bolster the current housing finance situation in India and to taper down the margin between the housing demand and the availability of houses, The National Housing Bank was set up in the year 1988. This was done by keeping in mind that a home seeker though does have a desire for a house but lacks the resources for construction or buying it. To give an enhancement to private housing finance institutions the National Housing Bank came into the picture. It is a principal agency to promote housing finance institutions both at local and regional levels and to provide financial and other support to such institutions. While it is important to keep in mind that the National housing Bank itself does not give loans or finance individuals or a party as such. It is only a corporate body to promote, establish, support or aid the housing finance institutions.   India have been serving the people for around three decades and providing various housing loan schemes according to the customers various needs at attractive and reasonable interest rates. In order to facilitate the best housing loan schemes at the least interest rate this research article will help in critically evaluating and comparing the schemes of housing loan for two banks i.e. State Bank Of India and Union Bank of India, Bangalore, India in order to know the best offers provided by the banks as well their performances in order to retain in competition within marketplace. This research article analyses the effectiveness and efficiency of housing loan schemes provided by SBM and UBI bank which will provide its customers a attractive interest rates in on housing loan. Company Overview of SBM and UBI State Bank of Mysore was formed as Bank of Mysore Ltd. in 1913 under the benefaction of the former Government. Of Mysore, on the illustration of the banking commission headed by the great Engineer-Statesman,  Late Dr. Sir M.Visvesvaraya. Subsequently, in March 1960, the Bank became an Associate of State Bank of India. State Bank of India holds 92.33% of shares. The Banks shares are listed in Bangalore, Chennai, and Mumbai stock exchanges. Branch Network The Bank has a widespread network of six hundred eighty two only (682) branches (as on 30.09.2009) and 20 extension counters spread all over India which includes 5 specialised SSI branches, 4 Industrial Finance branches, 3 Corporate Accounts Branches, 4 specialised Personal Banking Branches, 10 Agricultural Development Branches, 3 Treasury branches, 1 Asset Recovery Branch and 8 Service Branches, offering wide range of services to the customers. Human Resources The Bank has a dedicated workforce of 9720 employees consisting of 3169 supervisory staff, 6551 non-supervisory staff (as on 31.03.2008). The skill and competence of the employees have been kept updated to meet the requirement of our customers keeping in view the changes in the environment. (Source: http://www.statebankofmysore.co.in/profile.htm) Union Bank of India UBI Bank is consistently dedicated to bind and maintain its distinctiveness as a foremost, pioneering cost-effective Bank, by means of a down to business approach to the shifting requirements of the general public. A extensive scale of goods and services has been resulted and also made accessible to its precious customers to cater the least of their requirements. Today, with its well-organized, value-added services, continual intensification, reliable productivity and expansion of innovative technology, UBI bank has ensured comprehensive shopper delight, keeping up its image,  Ã¢â€š ¬Ã…“GOOD QUALITY POPULACE TO BANK WITHâ‚ ¬?.   The key to the triumph of any organisation lies with its personnel or manpower. No wonder, UBI dedicated tem of dynamic and enthusiastic skilled personnel consists of 26000 thousand employee who contribute to the maximum in order to ensure growth for UBI. The bank went for Initial Public offer (IPO) on 20th august 2002 which was followed by the publi c offer made on February 2006.Government of India holds fifty five percent (55.43%) share capital of Union Bank the current share capital holding of the bank is forty four point five seven percent 44.57 % which includes Individuals and Others. Reason behind choosing the topic for the study Housing is the one of the main priority sector needs a lot attention now days the interest rate of the housing loan is raising very high customers are worried about the rates due to indefinite fluctuation. This study is about the comparison of the various schemes and the interest rate of the two banks State Bank of Mysore and Union Bank of India. After this study we will be able to know that which bank is more convenient in the lending of loan. Different schemes of the bank are convenient in different manner according to customers priority. The study is important also in case of comparison of the many other banks schemes to these two banks. Literature Review Meaning of Loan: Loan is a method of lending under which bank gives credit to a borrower for a fixed period and for a specific purpose. Loan are promises for future payment, they have to be repaid in periods beyond a year and are therefore long-term liabilities 3.3Types of Loan: Generally bank grant loans for different period like shorts, medium and long and for different purpose. Broadly, the loans granted by banks are classified follows Bank Loans (1) Short-term Loans: Short-term loans are granted to meet the working capital needs of the borrowers. These loans are granted against the securities of tangible assets mainly the movable assets like goods and commodities, share debenture, etc. (2) Term Loans: Medium and long-term loans are usually called term loans. These loans are granted for more than a year and are meant for purchase of capital assets for the establishment of new units and for expansion or diversification of an existing unit. Loan Procedure: Generally various banks adopt following procedure for loan. Appraisal of Loan Submit the Application Documentation Convene to loan applicant To Issue Draft or Pay order Submit the Application: First of all the loan borrower should submit application to the particular bank. The borrower is required to fill out a common application form, which seeks comprehensive information about proprietors and loan borrowers back ground and his business network and as well as his cost of project and economic consideration. Appraisal of Loan: The bank follows good appraisal system for effective lending and to make easy repay in future way. The main task of the lending bank is to make sure that the income generated from the loan is sufficient to repay the loan installments according to the terms and conditions of amortization. The risk involved in term lending is much more than the risk in short-term lending because the loans are given to new undertaking, or for the modernization and expansion of existing undertaking and for loan period. Before sanctioning any loan a banker should assure himself that the borrowing concern shall be able to earn sufficient income to pay the loan installments. The methods of analysis and standard to be adopted for an appraisal of loan are more similar to investment decision than to short-term lending. The appraisal of loan included projection of future trends of output, sales estimated of costs, returns and flow of funds. It is extremely difficult to have a clever cut formula for the appraisal of term loan since many factors have to be considered such as the type of borrowing bank and its activities, the markets potential, its management, and financial position. The amount of loan and the period of its repayment. Another important factor is whether to give weight age to profitability or to its broad economic significance in the development of the economy. A term loan may be appraised by considering four different aspects of the proposal. They are: Technical feasibility Economic feasibility Managerial competence Financial feasibility Documentation: After completing the step of submit the application and appraisal system of loan. Then loan applicant should collect the document for borrowing loan, every documents and requirement are needed according to the co-operative bank rate. If the loan applicant wants to borrow loan of huge amount, so at a time strong documents are presented by loan applicant against bank like evident of shareholders, original and photocopy of propertys documents, photocopy last three years income tax returns file, etc. if loan applicants has no any recommendation from share holder so firstly the bank becoming share holders of his bank by issuing share to them, so above types of documents are used to borrow loan and advances from the bank. Convene to Loan Application: After collecting the necessary documents, an officer of the recipient bank review it to ascertain whether it is complete for processing, when the application is considered complete. Then the co-operative bank held meeting of his loan applicant and sanctioned the particular loan. Generally this meeting is convened on Monday and Thursdays in every week. Otherwise expected it in other contingent situation and gives date, day and time for delaying particular meeting. To Issue Draft or Pay order: At the last stage is that, after convening of loan applicant and sanctioning loan, borrower should pay its stamp duty, margin and one installment of loan, then in the stamp document or stamp procedure. Then bank gives to them pay order or draft. If the any loan borrowers want to purchase machinery or vehicle from out of city so he need quotation of that particular company, and finally bank made draft of companys name otherwise if the quotation of city area so at a time the co-operative bank made pay order of companys name. Them it gives to company through loan applicant. Thus above procedure is followed by the loan applicant, who wants to borrow loan from banks and satisfied his goal or objectives. 1.) In December 2006 Fulbag Singh and Reema Sharma had studied about the housing Finance in India. Housing, as one of the three basic needs of life, always remains on the top priority of any person, economy, government and society at large. In India, majority of the population lives in slums and shabby shelters in rural areas. From the last decade, the Government of India has been continuously trying to strengthen the housing sector by introducing various housing loan schemes for rural and urban population. The first attempt in this regard was the National Housing Policy (NHP), which was introduced in 1988. The National Housing Bank (NHB) was set up in 1988 as an apex institution for housing finance and a wholly-owned subsidiary of Reserve Bank of India (RBI). The main objective of the bank is to promote and establish the housing financial institutions in the country as well as to provide refinance facilities to housing finance corporations and scheduled commercial banks. Moreover, f or the salaried section, the tax rebates on housing loans have been introduced. The paper is based on the case study of LIC Housing Finance Ltd., which analyzes region-wise disbursements of individual house loans, their portfolio amounts and the defaults for the last ten years, i.e., from 1995-96 to 2004-05 by working out relevant ratios in terms of percentages and the compound annual growth rates. A relevant chart has also been prepared to highlight the results. 2) In May 18, 2007 Michael La Cour-Little had studied about the Economic Factors Affecting Home Mortgage Disclosure Act Reporting. The public release of the 20042005 Home Mortgage Disclosure Act data raised a number of questions given the increase in the number and percentage of higher-priced home mortgage loans and continued differentials across demographic groups. Here we assess three possible explanations for the observed increase in 2005 over 2004: (1) changes in lender business practices; (2) changes in the risk profile of borrowers; and (3) changes in the yield curve environment. Results suggest that after controlling for the mix of loan types, credit risk factors, and the yield curve, there was no statistically significant increase in reportable volume for loans originated directly by lenders during 2005, though indirect, wholesale originations did significantly increase. Finally, given a model of the factors affecting results for 2004-2005, we predict that 2006 results will c ontinue to show an increase in the percentage of loans that are higher priced when final numbers are released in September 2007 3.) â‚ ¬Ã…“The housing finance market has been consistently exhibiting rapid growth in the past few years. Growth has been largely concentrated on urban areas and in the middle to high income groups, focusing on the salaried class. This growth was partly fuelled by the entry of commercial banks seeking asset growth in a sluggish business environment coupled with the tax incentives on housing loans. The banks, with their lower cost of funds, extensive branch network, capability to provide a range of personal banking services and aided by the average low default rates in housing finance, could expand the market considerably. They however, continued to focus on middle to higher income groups. Lower income groups, self employed and the rural population are by and large excluded. While the middle and higher income groups may continue to access conventional housing finance, increasing attention will need to be paid to the needs of the underservedâ‚ ¬?. (Source: Saravanan P. Recent Experiences in the Housing Finance Sector A Study with Reference to India.  Housing Finance International  [serial online]. September 2007; 21(5):45-48. Available from: Business Source Complete, Ipswich, MA. Accessed June 17, 2010) 4.) The innovations in housing finance systems in advanced economies over the past two decades have altered the role of housing sector in business cycle and in the monetary transmission mechanism. It concludes that these changes have spilovers from the hosuing sector to the rest of the economy and have amplified their impact by strengthening the role of housing as collateral. This analysis suggests in economies were developed mortgage markets, monetary policymakers may need to respond over aggressively to developments in housing sectors, within a risk-management approach that treats house price dynamics as one of the key factors to be considered in assuming balnce of risks to output and influence. (Source: World Economic Outlook(International Monetary fund), 2008, ISBN 978-1-58906-719-6) 5.) Today, the housing finance market has evolved into an oligolpolistic structure (SSKI, 20606) with three dominant providers-DFC, the largest housing company, ICICI bank the largest private sector bank, State Bank of India the largest bank in country. According to SSKI India research estimation in 200, the three leading housing credit providers accounted for approximately 75 of the market. Only a few foreign banks are involved and they tend to focus on High net worth individuals.Towards the end of 2005, India saw a graduate inching uo of interest rates. Despite this, close to 85 % of housing credit customers still prefer floating rate of interest.(Source: Housing Finance mechanism in India, 2008, ISBN- 978-92-1-131970-5, [emailprotected] United Nations Human Settlement Programme 2008) 6.) â‚ ¬Ã…“As per a article report published in wall street the trend in housing sector in India as on February 20,2008 were heading for a slowdown. The withdrawal of an Initial Public offering (IPO) by Emaar MGF Pvt. Ltd is an indication of difficulties companies worldwide are having in tapping market. (Source: Kilbinger, Sara Seddon. India Faces Housing Slowdown.  Wall Street Journal Eastern Edition  20 Feb. 2008: B7.  Business Source Complete. EBSCO. Web. 17 June 2010) 7.) â‚ ¬Ã…“The housing market in the Indian metropolitan city of Bangalore. Some problems of housing finance from the viewpoints of families and of public authorities are indicated. It is argued that it is these financial problems that make access difficult for the poorer half of the population of Bangalore to forms of housing other than inner city slums or urban fringe informal housing. Public housing with its unrealistic standards of service provision, but especially its high initial access costs is not well designed to meet the needs of the majority of families. The paper concludes that unless public housing authorities emulate the private housing market they will continue to play a marginal role in housing in a city such as Bangalore. There are signs that this is happening in India with experimentation in both housing finance and lower service standard. (Source: Blore, Ian. Housing and the working class in an Indian metropolis.  Public Administration Development  9.5 (1 989): 557-568.Business Source Complete. EBSCO. Web. 17 June 2010.) 8.) The housing sector in India for several decades faced a number of set-backs, such as an unorganized market, development disparities, a compartmentalized development approach and a deterrent rent control system. There was not even a concerted attempt to understand the housing problem let alone promote it. Reforms introduced in the sector during the 1990s, however, have overturned the situation to a great extent. The designing of a shelter policy, the organization of the housing finance market, the introduction of fiscal incentives, increased public investment, legal reforms and others initiatives have brought about a number of changes in the housing sector. Interestingly, these changes have been concerned with both reducing the housing shortage and increasing the number of quality housing stock besides increased access to various other housing amenities like safe drinking water, good sanitation and household electricity. However, the reform initiatives of the housing sector need t o take deep roots and to go a long way to address the growing incidence of sub-standard and dilapidated housing stock for further minimizing the deprivations of housing amenities. This paper considers a few policy options towards addressing the challenges of the housing sector. (Source: Mahadeva M. Reforms in housing sector in India: impact on housing development and housing amenities.  Habitat International[serial online]. September 2006;30(3):412-433. Available from: Business Source Complete, Ipswich, MA. Accessed June 17, 2010) OPERATIONAL DEFINITION OF THE CONCEPT EMI- Equated Monthly Installment is what a loaner pays the Banks every month towards repayment of loan. It is comprises of principle and interest. EMI = L * r (1 + r) n x 1 (1 + r) n â‚ ¬Ã¢â‚¬Å" 1 12 Interest rate- It is the amount which banks charge along with the principal amount per year on the basis of fixed rate or floating rate. UBI- Union Bank of India SBM- State Bank of Mysore HFC- Housing Finance Company METHODOLOGY The study dwells on both secondary and primary data. The primary data is collected through interviewing staffs of the banks, secondary data is collected through past details of the Housing finance structure, reports, pamphlets, brochures etc Primary research is form of research which includes the gathering of new data using an acknowledged research method. This could be in form of opinion poll, questionaaire, telephonic interviews or personal interview etc For this research article the author has chosen to carry out primary research by collecting data in form of questionnaire or by interviewing SBM and UBI with the support of bank officials or staff members of bank. Secondary Research is referred to data which is not a original creation. This form of data is already available to a researcher in order to carry out the research process in form of websites, journals or newspapers or company annual reports. How Primary data can be collected: 1.) Questionnaire or Opinion Polls: Questionnaire or opinion polls are intended to gather primary data from a sample taken into consideration, with a aim to critically evaluate or analyse the data in form of tabulated results e.g. stastical data or even by simplifying the results in form of a inference of the numeric data. Questionnaire can be performed in several ways such as telephonic interview, Emails, Online surveys or face to face. These methods of opinion polls are elaborated in broader perspective: Telephone interview: This is the most important and widely accepted method of collecting the original and accurate data for resolving the complex issues and providing the accurate solutions. Merit: From the author point of view the main merit of this method is that its more time consuming and a person can explain views more easily which they cannot do sometime face to f ace. Demerit: The demerit of this method could be that the rejection for telephonic interview which doesnt allow the researcher to receive any data for the research. Online Surveys: Surveys nowadays most commonly and widely accepted method of research as it can be presented in many dimension and can be analysed and interpreted based on the requirement of the person and also can be presented in form of tabulation sheets or some analytical software. Merit: This method is very advantageous as a researcher can have a global access from the respondent and its more faster and accurate and easy to administer. Demerit: For this method to have access a user must be well versed with computers as well as its more global method a user should ahve access to internet so that could be a biggest drawback in order to collect data if the respondent dont have knowledge or access to these resources. Personal interview: This form of method is acceptable by everyone as its being designed and implemented based on the convenience of the respondent. A respondent can choose their timing to answer the questionnaires as well its helps in solving the complex issues as it provides the accurate data as well a discussion about the analysis of data from the respondent Merit: The main advantage of face-to-face or direct interviews is that the researcher can accommodate the questions as necessary, classify doubts and ensure that the responses are properly understood, by repeating or rephrasing the questions. The researcher can identify nonverbal clues from the respondent. Disadvantages: The main disadvantage of face-to-face interviews is that geographical limitations may impose restrictions on the surveys and the vast resources that would be needed if such surveys need to be done nationally or internationally. Respondents may feel uneasy about their privacy of their responses when they interact face-to-face with the interviewer. Postal Interview: The most commonly used method of distribution which is fairly easy to administer. The questionnaire and the covering letter will be posted to the sample, usually with a prepaid envelope for returning the completed questionnaire. For this medium short questionnaire will be used. Advantages: A wide geographical area can be covered with the use of postal interview. The respondents use their convenience to fill the form at their own pace. Anonymity of respondents is high. Disadvantages: Any doubts that respondents have cannot be clarified. The return rates of mail questionarres are typically low. Follow up procedures for non responses are necessary in postal interviews. Sampling: Survey provides representative information about a group from which sample was drawn. This qualitative research will involve nonrandom sampling or non-probability sampling where everyone in the population will not have an equal chance to be chosen as part of a sample. The non-probability samples provide good estimates of a population characteristic. Target Population: The target population of my sample will include all bank employees of IS bank. The recruitment of individuals for participation will require the selection of individuals who are employees of IS bank. The sample for the research survey will be selected mostly by these methods: Convenience Sampling: This will be used to identify bank employees who are willing and available for the research survey. As most of the bank employees will be working and will not be available for questioning convenience sampling would be a better choice. Snowballing: This sampling method will be used to identify the first participant. Then that first participant will be asked to refer to other participants with similar characteristics. I have used this method to select bank employees and their friends. It is easier to get representatives for research through this method that has same characteristics. Secondary data can be obtained by: Comparative Case studies: I will go through case studies of competitors who are offering mortgage products in the Turkey market. This will help in understanding their strategies and policies. It will also help in understanding about how they achieve their goal. It will also help in identifying the challenges they faced during marketing their products. Comparative Case Studies helps in comparing two industries and understanding their shortfalls. Hypothesis Since the interest rate on home loan is frequently changing and it is expected that it will rise again by the end of the year 2010. Customers who want to take loan for a long time i.e. more than 15 years and also the big amount are really worried about the payment of high EMI. The problem is mainly for salaried class people who are unable to pay the EMI fixed by the banks on their monthly salary. As the fixed rate of interest is 12.5% now customers are suggested to take loan on floating rate of interest. So hypothesis will be based on the current and future trend of the interest rates of the banks. Analysis of Data Data for analysis will be present in following ways in order to carry out the research as well to do comparative analysis for the subject by giving information in different perspective. Frequency tables  Ã‚   Bar charts, histograms and pie charts  Ã‚   Contingency tables or cross-tabulations   Quantitative and Qualitative data: Qualitative data is form of data which includes the fact and figures such as financial report of a company and Quantitative data is a form of data which can be used analyse the data which is in form of questionnaire and surveys which help in order to analyse the current situation of company and provide the better solutions for company. For this research article author will be using both the data Quantitative as well Qualitative as the research includes both data collection numeric data as well survey or questionnaire data. 3). LIMITATIONS OF THE STUDY If there are advantages of study then obviously there are limitations of that study also. So, some limitations of this study are: This is basically an academic study suffers from time and money constraints. The other limitation includes the sample size, which is small. Analyses of only two banks are done rather than more banks Study is limited to local area of Bangalore, India Since banks are not willing to disclose their client details so the availed information is limited to report, pamphlet, brochure etc. SCOPE OF STUDY The study mainly deals with Housing Finance Sectors. The two important sectors identified for this purpose are companies and client of public and private Housing finance sector in Bangalore, India. AREA OF THE STUDY The study is limited to only one branch of both banks i.e. UBI and SBM situated in Bangalore due to time, money and information availability constraints. Ethics As the research article is focused on banking industry the confedentiaity of the data will be used for academic purposes within the field of study that is housing schemes of two banks and as per the accordance of business ethics.