Saturday, June 27, 2020

Coming of Age with Milkman Dead - Free Essay Example

When we think about coming of age, we not only focus on transition, we focus on the growth a person has overcome in a certain amount of time. In the book Song of Solomon, Toni Morrison captures the term with one of the main protagonists; Milkman Dead. Initially, you may automatically get the idea that Milkman is selfish and self centered. With this idea the author brings us along on Milkmans journey when he decides to find himself and learn more about his familys past. We see how this process has affected him socially and personally in how he came of age. Milkmans background is what makes his character in the beginning so essential to his transition. Milkman comes from a wealthy background, with his mother being the daughter of a famous black doctor and his father being a wealthy landlord. Even though the family is wealthy, doesnt mean that they are a great, well put together family. When reading the beginning, you get the idea that their family is dysfunctional, and this has an effect on milkman. As a kid milkman was isolated from everyone else. Hed never played like that as a child. As soon as he got off his knees at the window sill , grieving because he could not fly, and went off to school, his velvet suit separated him from the other children (Morrison 264). His money and his lifestyle separated him from other kids, which caused him to not have any friends. Because of this Milkman mostly stuck around his father and thats where he was tied down to the family legacy. Milkmans father, Macon Dead was a cold man, who only cared about himself and money. Through the years of milkmans childhood, this behavior rubs off him and thats where Milkmans behavior changes. Milkman never respected the women in his life throughout the first part of the book, especially the women in his own family. He emulated his father by not listening to the needs of a woman, and also ignoring the wisdom they have. Pilate was the main women who provided wisdom to milkman about the respect of women, even though it wasnt directly thrown at him. When Reba was getting beat up by her lover in chapter 4, Pilate stepped up and made it be known that no women should be disrespected by a man. Although Milkman witnessed it all he still learned nothing considering the fact that he treats women as if they were nothing. He grows disrespecting women and Magdalene Lena, his older sister, finally stepped up and said something to him about it. When milkman decides to tell his father about the secret relationship his other sister Corinthians had with a tenant named Porter, his father immediately makes her end it because porter was poor, and this triggered the fight scene between Milkman and Lena. Lena points out the time where Milkman peed on her when they were kids and Milkman is left confused wondering why Lena had brought it up. She relates this memory in the past to the way Milkman treats women now and this makes Milkman think. Youve been laughing at us all your life. Corinthians. Mama. Me. Using us, ordering us, and judging us: how we cook your food; how we keep your house(Morrison 215). Lena was tired of Milkman taking advantage and using women for his own benefit. Even though this was Lenas only scene in the book, it is an important one because it set its mark as the climax in the book where Milkman learns that is actions always affects people even the one he has close to him. You are to blame. You are a sad, pitiful, stupid, selfish, hateful man. I hope your little hogs gut stands you in good stead, and that you take good care of it, because you dont have anything else. But I want to give you notice. She pulled her glasses out of her pocket and put them on. Her eyes doubled in size behind the lenses and were very pale and cold. I dont make roses anymore, and you have pissed your last in this house(Morrison 216). Milkman perspective on women changes towards the ending of the book. When Hagar dies, who was Milkmans ex lover, Milkman comes to his senses and thought that is was wrong that he used her when all she did was love him.

Sunday, May 31, 2020

Causes And Implications Of Narcissism Disorder In Patients - 1375 Words

Causes And Implications Of Narcissism Disorder In Patients (Essay Sample) Content: Causes and implications of Narcissism disorder in patientsGeorge WagakaUniversityAbstractNarcissism is a medical terminology which derives its origin from a Roman god, Narcissi, who was obsessed by his shadow. He met his death by the river, after intensely admiring his shadow on the river waters. In medical terms, this condition is known as Narcissism disorder and manifests itself in many clinical forms. Its victims suffer from either low or high self-esteem, have no empathy, egocentric when in a relationship, rebellious when their desire is not met, loves absolute loyalty and are insecure. Recent scientific evidence suggests that biological and environmental factors play a major role in the acquisition of this trait. Narcissism researchers opine that this disorder can be treated and the patients recover fully from the malady. On the other hand, if left untreated, it has a negative impact on both the sufferer and other members of the society.Causes and implications of Narcissism disorder in patientsNarcissism disorder affects myriad of people globally. Its origin can be traced to childhood stage of human growth and development. Parents are naturally obliged to offer unconditional love to their children so that may feel secure, exhibit a sense of pride and develop their self-esteem. This show of love is vital for the upbringing of a child. If it is eschewed, its impacts are later on manifested during the adolescence stage or young adult stage (Kohut, 1972).When children are bombarded with negative criticisms, they tend to shy off and as a consequence, develop negative attitudes towards other people. Positive criticism and appreciation deter the development of this disorder in the future. During adolescence or young adults stage, the patients exhibit various clinical symptoms which wholesomely demands special and unequivocal attention from other societal members (Adler, 1986). Narcissist suffers from either extremely low or high self-esteem, are e xtremely demanding so that they are accorded greater attention in a relationship. This is a clear indication that they suffer from superiority complex syndrome. They flatly reject those people who do not satisfy their desires and needs.Kohut (1972) found out that narcissists are exploitative: Misuses other peoples talents, skills, and abilities to their advantage, believes that other people must help them to excel at all costs. Insecurity forms the large plank of their abilities and skills. They do not believe in their abilities and as result needs accolades and encouragement from other people in order to perform their chores. Negative criticisms of their actions can put them off and consequently, make them retreat to the cocoon of insecurity. Grandiosity is the exaggerated talents and unrealistic sense of superiority. Narcissists overrate...

Monday, May 18, 2020

Biography of Hans Hofmann, Abstract Expressionism Pioneer

Hans Hofmann (March 21, 1880 - February 17, 1966) was an American painter born in Germany. He was one of the foremost pioneers of the abstract expressionist movement. As an art instructor for four decades, he influenced some of the greatest painters of the 20th century. Fast Facts: Hans Hofmann Occupation: Painter and art teacherBorn: March 21, 1880 in Weissenburg, BavariaDied: February 17, 1966 in New York, New YorkSpouses: Maria Wolfegg (died 1963), and Renate Schmitz (married 1965)Selected Works: The Wind (1942), Pompeii (1959), Song of the Nightingale, (1964)Key Accomplishment: 1963 New York Museum of Modern Art retrospective that toured three continents.Notable Quote: In nature, light creates the color. In the picture, color creates the light. Early Life and Education Born to a German family in Bavaria, Hans Hofmann demonstrated a keen interest in science and mathematics from an early age. At age sixteen, he followed his fathers career path and took a job with the government. The younger Hofmann worked as an assistant to the director of Public Works. The position allowed him to indulge his love of mathematics while patenting a wide range of devices, including a portable freezer for military use and a radar system for sailing ships. During his government employment, Hans Hofmann began to study art. Between 1900 and 1904, while living in Munich, he met his future wife, Maria Miz Wolfegg. He also befriended Philipp Freudenberg, owner of the high-end department store Kaufhaus Gerson and a passionate art collector. Still Life. Geoffrey Clements / Getty Images Through Freudenbergs patronage over the next decade, Hans Hofmann was able to move to Paris with Miz. While in France, Hofmann immersed himself deeply in the avant-garde painting scene. He met Henri Matisse, Pablo Picasso, Georges Braque, and many others. As his reputation grew, Hofmanns painting Akt (Nude) appeared in the 1908 Berlin Secession show. Leaving Germany When World War I broke out in 1914, Hofmann and his wife were forced to leave Paris and return to Munich. The government disqualified him from military service due to a respiratory condition, and he opened an art school in 1915. In 1924, he married Miz. Hofmanns reputation as an art instructor reached overseas, and in 1930, a former student invited him to teach the 1930 summer art session at the University of California at Berkeley. After spending two years traveling between the U.S. and Germany to teach and work, he postponed a return trip to Germany for the foreseeable future. Hans Hofmann lived in the United States for most of the rest of his life, applying for U.S. citizenship in 1938 while Europe was barely a year away from the start of World War II. In 1934, Hans Hofmann opened his art school in New York and offered classes for the next 24 years. In the summer, he moved his instruction to Provincetown, Massachusetts. He earned tremendous respect as an instructor working as a mentor to Helen Frankenthaler, Ray Eames, and Lee Krasner, as well as becoming close friends with Jackson Pollock. Hans Hofmann (American, b. Germany, 1880-1966). Fantasia, 1943. Oil, duco, and casein on plywood. 51 1/2 x 36 5/8 in. (130.8 x 93 cm). Gift of the artist. Berkeley Art Museum, University of California. Photo: Benjamin Blackwell. Â © Renate, Hans Maria Hofmann Trust / Artists Rights Society (ARS), New York Abstract Expressionism Hans Hofmann was the only painter of the group of New York-based artists given credit for popularizing abstract expressionism who was directly involved with the Paris avant-garde before World War I. With that connection, he bridged the gap between two of the most influential communities of artists in the 20th century and inspired a generation of painters. In his own work, Hofmann explored color and form. He claimed that art could be given its voice by distilling it to its basics and removing unnecessary material. Among his prominent pieces was The Wind. For years, many historians believed that seeing paintings like it was a key influence on Jackson Pollocks development of the drip painting technique. More recent examination has led art historians to believe that Hofmann and Pollock were experimenting with poured paint at the same time. The Wind (1942). University of California, Berkeley Art Museum In 1944, Hans Hofmann received his first solo gallery show in New York. Art critics celebrated it as a step forward in the exploration of the abstract expressionist style. His work during the 1940s ranged from playful self-portraits executed with bold strokes to colorful geometric shapes that echoed the work of European masters Hans Arp and Joan Miro. Later Work After a retrospective at the Whitney in New York in 1957, Hofmann experienced a late-career renaissance of interest in his work. He quit teaching in 1958 and focused on the creation of art for the final years of his life. Artists and critics alike celebrated his work around the world. In 1963, New Yorks Museum of Modern Art mounted an even more extensive retrospective that traveled across the U.S., South America, and Europe. During the 1960s, Hofmann endured significant sadness due to the passing of many of his artist friends. In response to the deaths of Franz Kline and Jackson Pollock as well as others, he dedicated new pieces to their memory. The most significant blow occurred in 1963 with the passing of Miz due to a heart attack. In the fall of 1965, Hofmann married Renate Schmitz, a woman 50 years his junior. They remained together until his death from a heart attack on February 17, 1966. Hans Hofmann (American, b. Germany, 1880-1966). Memoria in Aeternum, 1962. Oil on canvas. 84 x 72 1/8 in. (213.3 x 183.2 cm). Gift of the artist. The Museum of Modern Art, New York. Â © 2010 Renate, Hans Maria Hofmann Trust / Artists Rights Society (ARS), New York Educator Hans Hofmann was arguably the most influential art instructor of the 20th century. He influenced a generation of young European artists through his teaching in the first years after World War I. Later, particularly in the 1940s, his instruction inspired a generation of American artists. Hans Hofmanns School of Fine Art in Munich focused heavily on the ideas of Paul Cezanne, Wassily Kandinsky, and the Cubists. He offered regular one-on-one critiques, which were a rarity in art schools of the time. Some historians count Hofmanns Munich school as the first ever school of modern art. One of Hofmanns most lasting contributions to the understanding of art was his push/pull theory of spatial relations. He believed that contrasts of colors, forms, and textures created a push and pull in the mind of the viewer that must be balanced. Hofmann also believed that social propaganda or history lessons put an unnecessary burden on paintings and did not make them better works of art. The additional content worked against a vivid depiction of space and the pure magic of creating two-dimensional art on canvas. Legacy As an instructor and mentor, Hans Hofmann was at the center of some of the most significant movements in modern art from the turn of the 20th century to the 1960s. His avid interest in the colorful work of Henri Matisse took the young Hofmann away from a focus on cubism that ultimately led to his work with slabs of color in his mature abstract expressionist work of the 1950s and 1960s. Sources Dickey, Tina. Color Creates Light: Studies with Hans Hoffman. Trillistar Books, 2011.Goodman, Cynthia. Hans Hofmann. Prestel, 1990.

Saturday, May 16, 2020

Comparative Study On Housing Loans Of Sbm - Free Essay Example

Sample details Pages: 15 Words: 4538 Downloads: 1 Date added: 2017/06/26 Category Statistics Essay Did you like this example? 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. Don’t waste time! Our writers will create an original "Comparative Study On Housing Loans Of Sbm" essay for you Create order 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: 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,  Ãƒ ¢Ã¢â€š ¬Ã…“GOOD QUALITY POPULACE TO BANK WITHà ¢Ã¢â€š ¬?.   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 fol lowed by the public 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 customerà ¢Ã¢â€š ¬Ã¢â€ž ¢s priority. The study is important also in case of comparison of the many other banksà ¢Ã¢â€š ¬Ã¢â€ž ¢ 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 proprietorà ¢Ã¢â€š ¬Ã¢â€ž ¢s and loan borrowerà ¢Ã¢â€š ¬Ã¢â€ž ¢s 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 propertyà ¢Ã¢â€š ¬Ã¢â€ž ¢s 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 companyà ¢Ã¢â€š ¬Ã¢â€ž ¢s name otherwise if the quotation of city area so at a time the co-operative bank made pay order of companyà ¢Ã¢â€š ¬Ã¢â€ž ¢s 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.) à ¢Ã¢â€š ¬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 underservedà ¢Ã¢â€š ¬?. (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 à ¢Ã¢â€š ¬Ã‹Å"High net worthà ¢Ã¢â€š ¬Ã¢â€ž ¢ 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.) à ¢Ã¢â€š ¬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.) à ¢Ã¢â€š ¬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 Developmentà ƒâ€šÃ‚  9.5 (1989): 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 à ¢Ã¢â€š ¬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 doesnà ¢Ã¢â€š ¬Ã¢â€ž ¢t 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 donà ¢Ã¢â€š ¬Ã¢â€ž ¢t 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  Ãƒâ€šÃ‚   Bar charts, histograms and pie charts  Ãƒâ€šÃ‚   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). LIMITATION 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.

Wednesday, May 6, 2020

Avatar Sociology and Jake Essay - 1547 Words

The argument that I will be talking about in my essay is how the themes inclusion, otherness and social solidarity take place in the movie avatar. All these three themes relate in many different ways to Jake and the atmosphere in the movie itself. The three philosophers that will be discussed are Durkheim, Goffman and Mead. The concepts that are used in this essay are to argue the thesis. Front stage and back stage, self, presentation of self, me and I (the diagram), social inclusion, organic solidarity, mechanical solidarity are the concepts that are argued in this essay. The film avatar is based on a character named Jake who is paralyzed from the waist down, he agrees to be sent on a mission to a whole new different world called†¦show more content†¦According to the mead, the concept of self is â€Å"something which has a development, it is not initially there, at birth but arises in the process of social experience and activity, that is, develops in the given individual as a result of his relations to that process was a whole and to other individuals within that process, (Mead, 1959:23)† Mead’s concept of ‘self’ relates to the film when avatar is sent to Pandora and he meets Neytiri, and as they start to get know each other better she describes him in way which he is like a baby who is making noises but doesn’t know what to do. The character of Neytiri relates to the concept of the self because Mead says that the self is something that is a development and arises in experiences and activity. In this case N eytiri, is trying to express that Jake is similar to a baby and has no sense of â€Å"me† and needs to experience living in the world of avatar’s to get a good sense of â€Å"me,† and ‘self’. However, Jake is trying to develop and get used to in a world, which is totally different from him; he faces many self-conflicts. The diagram â€Å"Fred and the personality structure† can narrate Jake and Neytiri and there conflicts. The diagram looks at the self conflict between the I and me. Throughout the movie the audience realize that Jake is narrating the plot and questions himself before making any decisions. This is an example of conflict between Me and I. What Jake is going through and his determination to do, which is

Plato s Views On The Virtue Of The Virtues Essay

â€Å"As far as I am concerned, the result is that I know nothing, for when I don t know what justice is, I ll hardly know whether it is a kind of virtue or not, or whether a person who has it is happy or unhappy† (Republic 354c) Plato presents Socrates as believing in the unity of the virtues, skeptical of those who, like Meno, wish to treat the virtues as distinct objects of inquiry in dialogues such as Laches, Protagoras, Meno, the Republic, and Euthyphro. These dialogues provide good reason to deny that Plato’s Socrates believed in the numerical identity of the virtues. I shall argue that in the various virtues is one essence (or ‘virtue’), as revealed in a conceptual search for definitional clarity and a metaphysical appeal to Form that encompasses innumerous virtues. I. For Socrates, an adequate definition will reveal the common quality that belongs to both all and only; and necessarily and sufficiently, instances of the virtue that is being defined. In Euthyphro, Socrates addresses these definitional issues by criticizing the paradox presented in the dialogue as follows: â€Å"And so Euthyphro, when you’re asked what the pious is, it looks as though you don’t want to reveal its being to me, but rather to tell me one of its affections—that this happens to the pious, that its loved by all the gods† (Euthyphro 11a). The term ‘being’ here I will interpret as essence, the more commonly utilized semantic in translations of Plato (Ross 2006). An appropriateShow MoreRelatedPlato s Views On Morality And Virtue1819 Words   |  8 PagesSocrates in intellectual argument with a fellow philosopher: Protagoras who claims to be Sophists (professional expert in wisdom) they both use various arguments and counter arguments to prove their arguments on the topic of piety and virtue. Socrates believed that Virtues is something that could not be taught or learned, where Protagoras claimed that he can teach people â€Å"good judgement† in both personal affairs, civil issues and teach political science so that his students will become good citizensRead MoreKant And Kant s Philosophy On Ethics970 Words   |  4 Pagesquestion. A dictionary describes ethics as-moral principles that govern a person s or group s behavior. Is there a universal ethical behavior ? Are all countries ethical ? Theses very same questions many philosophers have tried to figure through time from Socrates to Immanuel kant (and to this very day for the matter!). While comparing two great eathist Plato and Immanuel Kant I, the writer argue that Kant s ideological views on ethics were far superior to Plato’s due to several factors. For one KantRead MoreEssay about Morals and Ethics1134 Words   |  5 Pages Plato, Aristo tle, Augustine, and Nietzsche all had their own ideas for which one could reach happiness in his/her life. All have similarities in there reasoning except Nietzshe, who contradicts the others entirely. Plato states that to understand virtue is happiness. In turn virtue suffices for happiness and is necessary. Also he intuits that human reasoning prevails over spirited element or a person?s appetite. Aristotle?s arguments relate with Plato, but he builds more to it and finds his ownRead MoreSocrates And Aristotle s Life1491 Words   |  6 Pagesdepends upon awareness and the power of contemplation rather than upon mere survival. The earliest accounts of human history chronicle the struggle for survival against all odds. It is therefore remarkable that roughly 2400 years ago the question of virtue was raised, let alone contemplated at great length, forming a foundation upon which Western philosophers build to the present day. Socrates and Aristotle were two key individuals credited for their roles in the advent of Classical philosophy. MenRead MoreComparing Aristotle s 8 1455 Words   |  6 PagesNow the question is what values should one have to rule, what makes them qualified compared to others. Plato outlines the different aspects of government and why he believes an aristocracy would be better form of government. In book 8 Socrates starts to wrap up his depiction of a just city. He starts to break down the four unjust constitutions of the city and man. Timocracy, which is represented by the honor-driven man who resembles and rules that sort of government. There is an oligarchy, ruledRead MorePlato s Euthyphro And Apology893 Words   |  4 Pagescharacteristics of wisdom. Though Plato was one of the earliest philosophers, the topic of wisdom is still debated by modern philosophers today, contemplating questions such as â€Å"What are the classifications of ‘wisdom’?† According to Plato’s two dialogues, the characteristics of wisdom have a strong correlation with the characteristics of â€Å"being a good person†. This concept highlights the values of virtue and selflessness and at the same time juxtapose views on virtue while taking into account the differentRead MoreSocrates : The Suicide Of Socrates1405 Words   |  6 Pagesfocus was on how to live a good and moral life. A quote that backed that up was an unexami ned life is not worth living (Apology, 38b), which is said by Plato. It is argued that Socrates believed ideals belong in a world only the wise man can understand, making the philosopher the only type of person suitable to govern others. In Plato s writings, Socrates has openly objected to the democracy that ran Athens during his adult life. . Socrates opposition to democracy is often denied, and theRead MoreThe Formations Of The Mankind System1568 Words   |  7 Pagesjustice, being on everyone s lips, is used so often that it may signify nearly anything. Though one of the main meanings given by modern people is the interchangeability of justice with the word â€Å"fairness†. Indeed, in any situation occurred in our everyday life we all want to be treated in a fair way, because we believe that we deserve equal and unbiased treatment - one should not be paid any less because of gender, one should not be judged more roughly because of one s skin color or one should notRead MorePlato And Aristotle s Theories Of Utilitarianism And Kantian Ethic s1408 Words   |  6 PagesThe ancient theories of Plato and Aristotle differ greatly from the contemporary theories of Utilitarianism and Kantian ethics. Plato and Aristotle focused on the importance of virtue in an individual’s life. Plato believed that purity of the soul was the most important thing in life and can be achieved by mastering the four virtues: justice, wisdom, courage, and moderation. Aristotle believed that the goal of human life was to achieve happiness, which is made possible by the cultivation of a justRead MoreAristotle s Realism Philosophy And Philosophy1590 Words   |  7 PagesRealism is an educational philosophy; furthermore it is a teaching that stresses knowledge that develops from one s own my opinion this is great idea for educational philosphy, because it shows that sense deveolpement is the realest possible learning to have. Under this philosophy the idea exists that there is a real world not constructed by human minds, that can be known by one s own mind. It is through experiencing the world around everyone in which one learns the guiding principles and

The Aboriton Controversy Essay Research Paper The free essay sample

The Aboriton Controversy Essay, Research Paper The Abortion Controversy For centuries, abortion has been a het subject among all peoples. Ever since abortions have been performed in the United States, they have been protested and debated by many. Both sides of the issue have been aggressively disputed to no help. One of the most celebrated abortion instances is that of Roe vs. Wade. It was the really instance that made abortion Torahs what they are today. In 1973, abortion was legalized under the constitutional right to privateness ( Sproul 77 ) . Ever since so abortion has been in and out of the tribunals, and I don # 8217 ; t see that halting anytime shortly. In fact, after the Supreme Court made its determination in 1973, the figure of abortions rose rather obviously ( ) . However, since 1989, the figure of abortions in the United States has been worsening. This is most likely attributed to both practical and political factors, including altering attitudes and better methods of birth control. We will write a custom essay sample on The Aboriton Controversy Essay Research Paper The or any similar topic specifically for you Do Not WasteYour Time HIRE WRITER Only 13.90 / page While abortions are now legal in the U.S. , this now presents the inquiry widely asked: Are abortions the right thing to make? Everyone has his or her ain reply to this inquiry. Each single carries his or her positions on the subject, most being either pro-life or pro-choice. There are even strong anti-abortion groups that act out in violent manners. We hear of infinite abortion clinic bombardments and slayings of physicians who perform this process. Although it is non highly common, there are 209 incidents on record in the U.S. since 1984 ( Cameron 17 ) . This, in my eyes defeats the whole intent of being pro-life . If person is so concerned about the public assistance of an unborn kid, killing a physician or even the female parent transporting the kid is double incorrect. In fact, about half the adult females in the United States will hold an abortion during her generative old ages. Seventy per centum of these adult females intend to hold kids sometime in the hereafter. Among those holding abortions, three quarters of them are # 8220 ; non ready to hold a kid # 8221 ; , two-thirds # 8220 ; can non afford it # 8221 ; , and half # 8220 ; do non desire to be a individual parent # 8221 ; ( ) . I, personally, see myself to be pro-choice. Abortion International Relations and Security Network # 8217 ; t needfully ever the reply, but in some instances it is. I believe each intelligent adult female has a right to make up ones mind for herself what to make to her body-to a point, that is. A adult female should be able to do a determination based on the ain ethical motives and beliefs and life fortunes, with out anyone else irrupting. But I besides believe that every state of affairs is different. There are different effects to weigh out for each adult female. I am cognizant that abortion is a large determination to do, but in some state of affairss many adult females experience it is the lone thing to make. Take colza for illustration. The kid is the guiltless 1 in this instance, and most times the male parent is the guilty 1. However, there is a immense psychological strain to be dealt with by merely the adult female. Why would she desire to transport the kid of a adult male w ho committed a violent act such as colza on her? Another place where I find it about obligatory is in the instance of incest. As this International Relations and Security Network # 8217 ; t awful plenty as it is, an added issue of gestation is lay waste toing. In these instances, I believe that sometimes abortion is the lone reply.