Edgar Allan Poe Essay On The Tell Tale Hart Example For Students

Edgar Allan Poe Essay On The Tell Tale Hart Numerous creators have made incredible commitments to the universe of writing. Imprint Twain acquainted Americans with life on the Mississippi. Thomas Hardy composed on his negative perspectives on the Victorian Age. Another creator that affected writing is Edgar Allan Poe. Poe is known as the dad of the American short story and father of the analyst story. To comprehend the abstract commitments of Edgar Allan Poe, one must gander at his initial life, his scholarly life, and a synopsis of two of his well known works. Edgar Allan Poe was conceived in Boston (Inglis 505) on January 19, 1809 (Asselineau 409). He was destined to a southern family that were in a voyaging organization of on-screen characters (Inglis 505). His dad, David Poe, was from a Baltimore family. He was an on-screen character by calling and a substantial consumer. Not long after Edgar Allan Poe was conceived, he left his family. Poes mother, Elizabeth Arnold Poe, was a widow at eighteen years old. Two years after his introduction to the world, she kicked the bucket of tuberculosis (Asselineau 409). At the point when his mom kicked the bucket, Poe was embraced by John Allan (Perry XI) at the asking of Mr. Allans spouse. In 1815, John Allan moved his family to England. While there, Poe was sent to tuition based schools (Asselineau 410). In the spring of 1826, Poe entered the University of Virginia. There he considered Spanish, French, Italian, and Latin. He had a superb educational record. He got into challenges nearly on the double. Mr. Allan didn't give him the cash to pay for his expenses and different necessities. Poe was befuddled and pining to go home. He figured out how to play a game of cards and began drinking. Before long he was paying off debtors more than 2,000 dollars. Poe found that he was unable to rely on Allan for monetary help. His non-permanent dad would not pay his obligations, and Poe needed to pull back from the University (Asselineau 410). In May of 1827, Poe enrolled in the military as a typical trooper. He did this under the name of Edgar A. Perry. He was positioned on Sullivans Island in Charleston Harbor for longer than a year. Poe adjusted to military control and immediately rose to the position of regimental sergeant major. Sooner or later, he became weary of a similar day by day schedule engaged with military life. Poe composed normally to Mr. Allan. He met with Mr. Allan after the passing of Mrs. Allan in February of 1829. With Allans support, he got his release and enrolled in West Point on July 1, l830 (Asselineau 410). While at West Point, Mr. Allan, who had remarried, proceeded in not providingPoe with enough cash. Poe chose to have himself kicked out of school. Playing hooky and ignoring orders were his answers. He was court-martialed for disregard of obligations in January, 1831, and left West Point the next month (Asselineau 411). Poe was incredible in three distinct fields , and in every one he made a n otoriety that would give any man a high spot in abstract history. Poe composed incredible short stories, renowned in hisown nation, however everywhere throughout the world (Robinson V). Hawthorne, Irving, Balzac, Bierce, Crane, Hemingway and different journalists have given us vital short stories; however none has created so incredible various acclaimed and exceptional models, such a large number of stories that proceed, regardless of changing measures to be perused and reproduced over and over all through the world (Targ VII). Poe was the dad of the cutting edge short story, and the advanced investigator story (Targ VII). Withthe conceivable special case of Guy de Maupassant, no other author is so all around known and regarded for so huge of a corpus of phenomenal stories as in Edgar Allan Poe (Targ VII).In 1831, Poe prevailing with regards to distributing another version of his sonnets entitled, Poems. Poe was currently in incredible trouble. He went to New York, however could sec ure no position there. In the end he took shelter with his auntie, Mrs. Clemm, in Baltimore. There he chose to look for business and make his living by composing. Neglecting to stand out enough to be noticed with his sonnets, he chose to begin composing short stories. Poe contended in a challenge for the best short story in 1831. The prize was offered by Phil-Saturday Courier. Since he didn't win the prize, Poe began an aggressive venture. He chose to design a progression of stories told by individuals from an abstract gathering. He found no distributer forhis stories, and participated in the challenge again in June of 1835. This time he sent one sonnet and six stories (Asselineau 411). His story, Ms. Found in a Bottle, won , and he got one hundred dollars for it (Targ IX). Through the impact of one of the adjudicators, John P. Kennedy, Poe got utilized as an editorial manager of the Southern Literary Messenger, distributed in Richmond (Asselineau 411). Under Poes editorship, the Me ssenger s course rose from 500 to 3500. While in Richmond, Poe wedded his cousin, Virginia, who was not quitefourteen years old. Poe was terminated from the Messenger in January of 1837. .u011e3494a008861545830b92a3407ba3 , .u011e3494a008861545830b92a3407ba3 .postImageUrl , .u011e3494a008861545830b92a3407ba3 .focused content region { min-stature: 80px; position: relative; } .u011e3494a008861545830b92a3407ba3 , .u011e3494a008861545830b92a3407ba3:hover , .u011e3494a008861545830b92a3407ba3:visited , .u011e3494a008861545830b92a3407ba3:active { border:0!important; } .u011e3494a008861545830b92a3407ba3 .clearfix:after { content: ; show: table; clear: both; } .u011e3494a008861545830b92a3407ba3 { show: square; progress: foundation shading 250ms; webkit-change: foundation shading 250ms; width: 100%; mistiness: 1; progress: murkiness 250ms; webkit-change: obscurity 250ms; foundation shading: #95A5A6; } .u011e3494a008861545830b92a3407ba3:active , .u011e3494a008861545830b92a3407ba3:hover { haziness: 1; change: darkness 250ms; webkit-change: mistiness 250ms; foundation shading: #2C3E50; } .u011e3494a008861545830b92a3407ba3 .focused content territory { width: 100%; position: relati ve; } .u011e3494a008861545830b92a3407ba3 .ctaText { fringe base: 0 strong #fff; shading: #2980B9; text dimension: 16px; textual style weight: intense; edge: 0; cushioning: 0; text-beautification: underline; } .u011e3494a008861545830b92a3407ba3 .postTitle { shading: #FFFFFF; text dimension: 16px; textual style weight: 600; edge: 0; cushioning: 0; width: 100%; } .u011e3494a008861545830b92a3407ba3 .ctaButton { foundation shading: #7F8C8D!important; shading: #2980B9; outskirt: none; fringe range: 3px; box-shadow: none; text dimension: 14px; text style weight: striking; line-tallness: 26px; moz-outskirt span: 3px; text-adjust: focus; text-embellishment: none; text-shadow: none; width: 80px; min-tallness: 80px; foundation: url(https://artscolumbia.org/wp-content/modules/intelly-related-posts/resources/pictures/basic arrow.png)no-rehash; position: supreme; right: 0; top: 0; } .u011e3494a008861545830b92a3407ba3:hover .ctaButton { foundation shading: #34495E!important; } .u011e3494a008861545 830b92a3407ba3 .focused content { show: table; tallness: 80px; cushioning left: 18px; top: 0; } .u011e3494a008861545830b92a3407ba3-content { show: table-cell; edge: 0; cushioning: 0; cushioning right: 108px; position: relative; vertical-adjust: center; width: 100%; } .u011e3494a008861545830b92a3407ba3:after { content: ; show: square; clear: both; } READ: The Caretaker by Pinter: A Play Can Be Confrontati EssayPoe then went to New York, where he was fruitless. In the late spring of 1838, he moved to Philadelphia. While in Philadelphia, he filled in as the editorial manager of the two Burtons Gentlemans Magazine and Grahams Magazine (Asselineau 412). Despite the fact that he won an onehundred dollar prize for The Gold Bug (Robinson VI), he moved to New York. Poe got a new line of work in New York as an associate supervisor for the Evening Mirror. This was the place The Raven previously showed up on January 29, 1845. The sonnet quickly got the creative mind of general society and was r epublished everywhere throughout the nation and even abroad in a wide range of papers and magazines, yet Poe stashed just a couple of dollars for his sonnets (Asselineau 413). The time of 1845 was a fortunate year for Poe. He distributed an assortment of his Tales and a version of his sonnets named The Raven and Other Poems . He additionally turned into the manager of the week after week Broadway Journal. Poe separated when Virginia passed on in January of 1848 ( Asselineau 413). In 1849, Poe kicked the bucket in Baltimore (Targ IX). Rather than truly living, he took shelter from the physical world in the private universe he had always wanted as it were in the realm of his stories (Asselineau 413).In the Masque of the Red Death, Poe utilizes his creative mind all through the story (Rogers 43). A plague has crushed the whole nation. It takes just 30 minutes tofor the course of the ailment to run. From the outset one feels sharp torments and discombobulation. At that point one beginni ngs seeping at the pores. The sickness brings about death. Ruler Prospero has requested one thousand masters and women to the profound withdrawal of one of his nunneries. The structure was worked by the Prince and is loaded up with his outlandish adornments. It is fixed from the outside world by an enormous divider with iron doors. Inside the structure are artists, performers, and all that they need so as to remain confined until the plague runs its course. Following a half year of disconnection, the Prince chooses to hold a conceal ball. The ball is held in a suite with seven rooms. Each room is beautified in a solitary shading. The last room is enriched in red. Inside this room stands a tremendous clock that hits the hour with a substantial thump. The rooms are extremely packed for the ball. At the stroke of 12 PM, a visitor is found in an ensemble of the red demise itself and This startles different visitors. The Prince is infuriated at what he accepts to be a down to earth joke. He arranges the outsider seized and dangled from the escarpments. Ruler Prospero follows the outsider into the red chamber. It is there that Prince Prospero falls dead at the feet of the outsider. The others catch the obscure individual in the ensemble. To their shock they discover there is no living structure in the ensemble. Individually incredible nobody else remains. Demise is ruler of all (Rogers 41). The ghastliness horrifying murkiness, and absolut

Plasmodium Falciparum Essay Example | Topics and Well Written Essays - 750 words

Plasmodium Falciparum - Essay Example The latter is gets tainted along these lines. All phases of malarial plasmodium improvement occurring in the body of the transporter †in a human, a winged animal and a mosquito. Such Sporozoa sporozoites are created in the body of the mosquito and further transmitted to winged creatures or human with salivation from the mosquito's nibble. Life cycle and transmission. The existence pattern of Plasmodium falciparum is related with changes of hosts. One piece of the existence cycle happens in the human body where the parasites imitate abiogenetically; the subsequent part happens in the body of a particular bearer of jungle fever †female mosquito Anopheles, where plasmodium recreates explicitly (Dantzler et al.). Along these lines, for Plasmodium falciparum, the human is a middle of the road bearer, and the female Anopheles mosquito is the last host. Disease by Plasmodium falciparum happens during sucking blood of patients with jungle fever and afterward mosquito taints someone else by presenting parasites with its salivation during the chomp. By means of contaminated mosquito's salivation the sporozoites enter the circulation system of host and inside 30-40 min get into a position of essential limitation †into the liver cells (Dantzler et al.). There happens an intracellular parasite agamic multiplication c alled tissue (exoerythrocytic) schizogony. From every one of sporozoites, a few thousand merozoites are framed. Further, they annihilate hepatocytes and discharged into the circulation system. The term of this period is around 6-9 days. Merozoites enter into erythrocytes and subsequently start the blood stage with trophosoite arrangement and erythrocytic schizogony (Wright and Rayner). In erythrocytes cells, the trophozoite is predictable goes through the ring, amoebic, develop trophozoite, schizont and merozoite stages. During schizogony, in erythrocytes happens the development of schizonts. Further, each schizont gives an ascent to the few dozen of little merozoites

7 Mistakes to Avoid When Emailing Professors

7 Mistakes to Avoid When Emailing Professors Much changes when you begin collegeâ€"new friendships, a new living space, and new knowledge that will propel you into the career of your dreams. Among these changes, youll need to learn how to communicate effectively with your professors and its surprising how many university students dont know how to do this properly.Perhaps youve never needed to communicate much with your teachers throughout high school. Or perhaps your university experience includes a change in culture as well, as you study in America after spending significant time in another country. In both cases, understanding the proper way to email your university professor will help you have success in your academic experience, regardless of the obstacles you face.So, what should you avoid when emailing your professor? Read below to find out the top seven mistakes that most people make when communicating with their higher-ed teachers. Avoid these mistakes and youll be well on your way to successful communication and (hopef ully) a well-earned college degree.Mistake #1: Being wordyProfessors are busy people. In between a certain number of classes that theyre required to teach, they must grade papers (sometimes hundreds per assignment), prepare lesson plans, and conduct research/write papers that are required by the university in order to keep their post. In addition to this, they have hundreds of other students besides you to teach. Somewhere in the middle of all of that, they have personal lives.Often, students forget that all of these other things are happening in a professors life when they email him or her. The result is long emails, full of unnecessary details or extended requests, assuming that the professor has all the time in the world to read them.When you email your professor, the best way to avoid this mistake is to imagine that every one of your fellow students in the class (sometimes this can be hundreds) is also sending an email. When you imagine this to be happeningâ€"and lets face it, i t could very well be happeningâ€"youll keep your communication succinct, only when necessary, and to-the-point.This includes a subject line that is easy to organize based on the student (you) and the class. For example, if your email concerns a report in your American History class, your subject line might read: Question regarding report â€" American History 101 â€" [Your name]. This will help your professor sift through emails to determine which need attention first based on the purpose of the email.Mistake #2: Asking questions with answers that can be found elsewhereAs mentioned previously, professors are busyâ€"sometimes extremely busy. This means that if you are emailing to ask a question with an answer that could be found elsewhere, youre wasting your professors time. And weve already established that extra time is not a commodity most professors have.So how do you avoid this common mistake? First, before you send an email asking a question, read through the syllabus and class webpage (if there is one) to see if you can find the answer to your question there first. Second, if neither of these resources provides the answer you seek, contact a fellow student in the class to see if they know the answer. Its always a good idea to get the contact information of other students in your class for this exact reason, especially if you are working in groups or on group assignments. Third, ask yourself if the question must be answered immediately, or if it can wait until the next time the class meets.If neither of these options provides answers for your question, or if your question cant wait for the next time youre in class, then (and only then) is it acceptable to email your professor to ask. Remember: keep it short and to the point when you do. And make sure the subject line offers your professor a good idea of the topic of your email.Keep your email communication with professors short and succinct, showing that you value their time. Photo by Tra Nguyen on Unsplas hMistake #3: Being informalRegardless of how informal or easy-going your professor seems when teaching the class, never make the mistake of being informal in your email when communicating with him or her. This can be taken as a sign of disrespect and includes emails written to graduate assistants who might be helping your professor with the class projects, grading, and instruction procedures. The simple fact that they are teaching you and providing you with needed knowledge to pursue your life goals means they a) know more than you about the topic and b) should be granted respect.In many cultures, speaking informally to a teacher is considered highly disrespectful. Some even insist that a student should not look a teacher directly in the eye or address him or her in a demanding tone. While Americans arent as formal as many other cultures, it is still a sign of disrespect to address your professor by his or her first name (unless youre asked to do so) or make demands as if you were a peer. Your professor has a degree that you do not have (yet) and is imparting his or her wisdom to you so that you might earn your degree. For this simple reason, being informal is a sign of disrespect, and should never happenâ€"in an email or otherwise.Mistake #4: Telling your life storyAs an editor, I have copyedited literally hundreds of emails that students have sent to me before sending it to their professor. In the process of doing so, I have run across emails that are pages long, detailing specific reasons why the student missed class, made a bad grade or needs to withdraw. In each of those situations, I made the same recommendation that I make here: Dont. Just…dont.If you have a unique life situation that compels you to miss multiple classes, fail tests, or miss assignments, an email is not the proper method to use to discuss this with your professor. Rather, you should request time to meet with him or her and discuss your personal situation in personâ€"whether after clas s or during conference hours (which all professors will have posted and usually include on their syllabus).Obviously, there will be life situations that arise that bring challenges to your academic pursuits. You cant control these. Professors understand this and for the most part, are willing to work with you to resolve them while still allowing you to pass the course. However, since youll need to provide specific details, and since emails should never be overly wordy, dont use emails to communicate your need. If the situation is personal enough to request extended time to turn in assignments or excused absences, it is personal enough to discuss face-to-face with your professor.Mistake #5: Demanding grade changes or unique privilegesThis mistake goes along with mistakes #3 and #4. When you demand grade changes or unique privileges (such as freedom to miss class while others are penalized for it), you run the risks of informality and providing details in an email that should be discu ssed face-to-face. If the situation is important enough for you to request special privileges that other students dont get, then it is important enough for a private conversation with your teacher.Rememberâ€"a professor is not required to grant leniency to you based on your life situation or the challenges you run into that keep you from attending class and making passing grades. There are no rules at the university level that require faculty to make these exceptions for students. It is strictly granted on a case-by-case basis and at the professors discretion. In such, these are requests that you should ask for humbly and without expectation or assumption of privilege. In either case, neither request belongs in an email.Any situation that requires detailed explanation should be reserved for a face-to-face conversation with your professor. Photo by Charles ???? on UnsplashMistake #6: Grammar/spelling errorsWhen I mentioned previously that Ive copyedited many emails to professors, its because students understand that an email sent with excessive grammar or spelling errors will not be taken seriously. This is why if English is not your original languageâ€"or even if it is and youre not the best at communicating or spelling things correctlyâ€"get an editor.Even if you consider yourself to have excellent English writing skills, its still important to copyedit your email before sending it, as an additional precaution. If you cant hire a proofreader or copyeditor to do this for you, at least use the grammar tools available in many word processing programs or online.Mistake #7: Emoticons and all capsFinally, lets look at mistake #7, which is connected with the mistake of informality. Never use emoticons in an email to your professor, as these are considered to be informal communication. Even though many young adults use emoticons often due to smartphone technology and social media prevalence, they have no place in formal communication with your teacher.Additionally, u sing all caps is considered to be rude. It is the same as yelling at someone, except youre doing it in writing instead of in speech. While many people assume that all caps is a way to highlight words or a point, this is a false assumption. If you want to highlight a word or a point, use bold font or italic font. You can also use an exclamation point, although be careful of this, as excessive exclamation point usage is considered to be poor grammar (and poor taste). Whatever you do, avoid using all caps at all costs.

The Incredible Influence of Steve Jobs Essays - 1734 Words

Two men dominate the computer world. When I say dominate, I am saying that no two other people in the world of computers development have had more of an effect on society than Bill Gates and Steve Jobs. Turn on any television , walk down any American street , read any newspaper, or just turn on any computer, and these two men are everywhere. These two men have opened up thousands or possibly millions of possibilities around the globe. Their creativity and innovation have led to great success. Steve Jobs father worked with lasers, and his mother was an accountant. At a young age, Steve Jobs was tenacious and sometimes unyielding when it came to getting what he wanted. Some statements by industry professionals confirm that Steve Jobs is an†¦show more content†¦Steve Job’s marketing savvy served him as well. Recognizing the importance of animation, Steve Jobs set out to buy Pixar animation studios, and in 1986 he acquired Pixar from filmmaker George Lucas for ten million dollars. He used his own money to purchase the company, and the total investment was 50 million dollars. This investment paid off when the release of Toy Story and A Bug’s Life. By 1999 Steve Jobs seventy three percent share of Pixar was worth an estimated 1.1 billion dollars. That is not bad for a college dropout and an original investment of fifty million dollars. In April 2005 Steve Jobs was named to the Times 100 a magazine that lists the world’s one hundred most influential people. In 2006 he sold Pixar to Disney for seven hundred billion dollars. Even though Steve Jobs was forced to resign from Apple in 1985, Steve Jobs went on to create the NeXT computer. Introduced in 1988 it boasted a number of innovations including quick processing speeds, excellent graphics and quality sound. Sales were flat due to its steep price and black and white screen and inability to network. In 1997 Apple was in trouble, losing about a third of its market share. 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Childhood Obesity Argentina, Argentina - 1586 Words

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Certainly, obesity is no longer limited to many developed nations; an increased predominance of obesity occurring in childhood has been perceived in developing nations of the world (Gupta et al., 2012). More so, obesity in adolescents and children between the ages of 5 and 19 years amounted to about 41.8 percent in Mexico, while in Argentina, it was about 19.3 percent, and was 22 percent in IndiaRead MoreLocal Food Movement : Questions1346 Words   |  6 Pagesvariety of foods brought to our Fresno grocery stores. I was surprised to find out that much of the food in the grocery store may not even be from the United States. Foods can be shipped in to the United States from any country, for example beef from Argentina, lamb from New Zealand, grapes from Chile, mangoes from Mexico, tomatoes from Holland, and bananas from Central America. 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Internationally, the company operates in Argentina, Brazil, Canada, Chile, China, Costa Rica, El Salvador, Guatemala, Honduras, India, Japan, Mex ico, Nicaragua, Puerto Rico and the UK. (www.datamonitor.com, 2011). Wal-Mart is more than just another large company, in 2011 their total revenues wasRead MoreSoc 727-the Theory of Demographic Transition and Its Applicability to Developing Countries5499 Words   |  22 Pagesthe large group born during stage two ages, it creates an economic burden on the shrinking working population. Death rates may remain consistently low or increase slightly due to increases in lifestyle diseases due to low exercise levels and high obesity[-35] and an aging population in developed countries[-36]. But there arises at this stage a difficulty which can be overlooked if birth and death rates alone are considered. The difficulty relates to what is likely to happen in the future. (BlackerRead MoreOreo and Pt Danone Biscuit15809 Words   |  64 Pageswas established by U.S. company Nabisco international in cooperation with PT Roda Mas producing world famous biscuit product of Oreo. Nabisco International now owned by U.S. Kraft Food, made Indonesia its main market for Oreo in the world beside Argentina, Mexico, Thailand, China, Taiwan and Venezuela. Its other product is Belvita Milk. This biscuit is produced to meet other famous brands of milk biscuit such as Biskuat of Danone and Roma of Mayora. Owners of biscuit factories in Indonesia MultinationalRead MoreNutrition Assignment 412450 Words   |  50 Pagesunwanted substances from the body support its reputation for helping joint problems 4. Sometimes I do eat fried foods such as fried chips. Too much oily foods in the long run can cause a lot of weight gain. A lot of greasy/oily foods can also lead to obesity. Excess body weight increases your risk for many medical conditions, including high blood pressure, stroke, diabetes, heart disease, certain types of cancer, fatty liver, gallstones, degenerative arthritis, sleep apnea, asthma, and menstrual or fertilityRead MoreStephen P. Robbins Timothy A. Judge (2011) Organizational Behaviour 15th Edition New Jersey: Prentice Hall393164 Words   |  1573 Pageswith a variety of physical or psychological abilities; and people who differ in age and sexual orientation. Managing this diversity is a global concern. Most European countries have experienced dramatic growth in immigration from the Middle East, Argentina and Venezuela host a significant number of migrants from other South American countries, and nations from India to Iraq to Indonesia find great cultural diversity wi thin their borders. The most significant change in the U.S. labor force during the

Second Foundation 3. Two Men and a Peasant Free Essays

string(21) " out of his cottage\." Rossem is one of those marginal worlds usually neglected in Galactic history and scarcely ever obtruding itself upon the notice of men of the myriad happier planets. In the latter days of the Galactic Empire, a few political prisoners had inhabited its wastes, while an observatory and a small Naval garrison served to keep it from complete desertion. Later, in the evil days of strife, even before the time of Hari Seldon, the weaker sort of men, tired of the periodic decades of insecurity and danger; weary of sacked planets and a ghostly succession of ephemeral emperors making their way to the Purple for a few wicked, fruitless years – these men fled the populated centers and sought shelter in the barren nooks of the Galaxy. We will write a custom essay sample on Second Foundation 3. Two Men and a Peasant or any similar topic only for you Order Now Along the chilly wastes of Rossem, villages huddled. Its sun was a small ruddy niggard that clutched its dribble of heat to itself, while snow beat thinly down for nine months of the year. The tough native grain lay dormant in the soil those snow-filled months, then grew and ripened in almost panic speed, when the sun’s reluctant radiation brought the temperature to nearly fifty. Small, goatlike animals cropped the grasslands, kicking the thin snow aside with tiny, tri-hooved feet. The men of Rossem had, thus, their bread and their milk – and when they could spare an animal – even their meat. The darkly ominous forests that gnarled their way over half of the equatorial region of the planet supplied a tough, fine-grained wood for housing. This wood, together with certain furs and minerals, was even worth exporting, and the ships of the Empire came at times and brought in exchange farm machinery, atomic heaters, even televisor sets. The last was not really incongruous, for the long winter imposed a lonely hibernation upon the peasant. Imperial history flowed past the peasants of Rossem. The trading ships might bring news in impatient spurts; occasionally new fugitives would arrive – at one time, a relatively large group arrived in a body and remained – and these usually had news of the Galaxy. It was then that the Rossemites learned of sweeping battles and decimated populations or of tyrannical emperors and rebellious viceroys. And they would sigh and shake their heads, and draw their fur collars closer about their bearded faces as they sat about the village square in the weak sun and philosophized on the evil of men. Then after a while, no trading ships arrived at all, and life grew harder. Supplies of foreign, soft food, of tobacco, of machinery stopped. Vague word from scraps gathered on the televisor brought increasingly disturbing news. And finally it spread that Trantor had been sacked. The great capital world of all the Galaxy, the splendid, storied, unapproachable and incomparable home of the emperors had been despoiled and ruined and brought to utter destruction. It was something inconceivable, and to many of the peasants of Rossem, scratching away at their fields, it might well seem that the end of the Galaxy was at hand. And then one day not unlike other days a ship arrived again. The old men of each village nodded wisely and lifted their old eyelids to whisper that thus it had been in their father’s time – but it wasn’t, quite. This ship was not an Imperial ship. The glowing Spaceship-and-Sun of the Empire was missing from its prow. It was a stubby affair made of scraps of older ships – and the men within called themselves soldiers of Tazenda. The peasants were confused. They had not heard of Tazenda, but they greeted the soldiers nevertheless in the traditional fashion of hospitality. The newcomers inquired closely as to the nature of the planet, the number of its inhabitants, the number of its cities – a word mistaken by the peasants to mean â€Å"villages† to the confusion of all concerned – its type of economy and so on. Other ships came and proclamations were issued all over the world that Tazenda was now the ruling world, that tax-collecting stations would be established girdling the equator – the inhabited region – that percentages of grain and furs according to certain numerical formulae would be collected annually. The Rossemites had blinked solemnly, uncertain of the word â€Å"taxes.† When collection time came, many had paid, or had stood by in confusion while the uniformed, other-wordlings loaded the harvested corn and the pelts on to the broad ground-cars. Here and there indignant peasants banded together and brought out ancient hunting weapons – but of this nothing ever came. Grumblingly they had disbanded when the men of Tazenda came and with dismay watched their hard struggle for existence become harder. But a new equilibrium was reached. The Tazendian governor lived dourly in the village of Gentri, from which all Rossemites were barred. He and the officials under him were dim otherworld beings that rarely impinged on the Rossemite ken. The tax-farmers, Rossemites in the employ of Tazenda, came periodically, but they were creatures of custom now – and the peasant had learned how to hide his grain and drive his cattle into the forest, and refrain from having his hut appear too ostentatiously prosperous. Then with a dull, uncomprehending expression he would greet all sharp questioning as to his assets by merely pointing at what they could see. Even that grew less, and taxes decreased, almost as If Tazenda wearied of extorting pennies from such a world. Trading sprang up and perhaps Tazenda found that more profitable. The men of Rossem no longer received in exchange the polished creations of the Empire, but even Tazendian machines and Tazendian food was better than the native stuff. And there were clothes for the women of other than gray home-spun, which was a very important thing. So once again, Galactic history glided past peacefully enough, and the peasants scrabbIed life out of the hard soil. Narovi blew into his beard as he stepped out of his cottage. You read "Second Foundation 3. Two Men and a Peasant" in category "Essay examples" The first snows were sifting across the hard ground and the sky was a dull, overcast pink. He squinted carefully upward and decided that no real storm was in sight. He could travel to Gentri without much trouble and get rid of his surplus grain in return for enough canned foods to last the winter. He roared back through the door, which he opened a crack for the purpose: â€Å"Has the car been fed its fuel, yunker?† A voice shouted from within, and then Narovi’s oldest son, his short, red beard not yet completely outgrown its boyish sparseness, joined him. â€Å"The car,† he said, sullenly, â€Å"is fueled and rides well, but for the bad condition of the axles. For that I am of no blame. I have told you it needs expert repairs.† The old man stepped back and surveyed his son through lowering eyebrows, then thrust his hairy chin outward: â€Å"And is the fault mine? Where and in what manner may I achieve expert repairs? Has the harvest then been anything but scanty for five years? Have my herds escaped the pest? Have the pelts climbed of themselves-â€Å" â€Å"Narovi!† The well-known voice from within stopped him in mid-word. He grumbled, â€Å"Well, well – and now your mother must insert herself into the affairs of a father and his son. Bring out the car, and see to it that the storage trailers are securely attached.† He pounded his gloved hands together, and looked upward again. The dimly-ruddy clouds were gathering and the gray sky that showed in the rifts bore no warmth. The sun was hidden. He was at the point of looking away, when his dropping eyes caught and his finger almost automatically rose on high while his mouth fell open in a shout, in complete disregard of the cold air. â€Å"Wife,† he called vigorously, â€Å"Old woman – come here.† An indignant head appeared at a window. The woman’s eyes followed his finger, gaped. With a cry, she dashed down the wooden stairs, snatching up an old wrap and a square of linen as she went. She emerged with the linen wrapped insecurely over her head and ears, and the wrap dangling from her shoulders. She snuffled: â€Å"It is a ship from outer space.† And Narovi remarked impatiently: â€Å"And what else could it be? We have visitors, old woman, visitors!† The ship was sinking slowly to a landing on the bare frozen field in the northern portions of Narovi’s farm. â€Å"But what shall we do?† gasped the woman. â€Å"Can we offer these people hospitality? Is the dirt floor of our hovel to be theirs and the pickings of last week’s hoecake?† â€Å"Shall they then go to our neighbors?† Narovi purpled past the crimson induced by the cold and his arms in their sleek fur covering lunged out and seized the woman’s brawny shoulders. â€Å"Wife of my soul,† he purred, â€Å"you will take the two chairs from our room downstairs; you will see that a fat youngling is slaughtered and roasted with tubers; you will bake a fresh hoecake. I go now to greet these men of power from outer space†¦ and†¦ and-† He paused, placed his great cap awry, and scratched hesitantly. â€Å"Yes, I shall bring my jug of brewed grain as well. Hearty drink is pleasant.† The woman’s mouth had flapped idly during this speech. Nothing came out. And when that stage passed, it was only a discordant screech that issued. Narovi lifted a finger, â€Å"Old woman, what was it the village Elders said a se’nnight since? Eh? Stir your memory. The Elders went from farm to farm – themselves! Imagine the importance of it! – to ask us that should any ships from outer space land, they were to be informed immediately on the orders of the governor. â€Å"And now shall I not seize the opportunity to win into the good graces of those in power? Regard that ship. Have you ever seen its like? These men from the outer worlds are rich, great. The governor himself sends such urgent messages concerning them that the Elders walk from farm to farm in the cooling weather. Perhaps the message is sent throughout all Rossem that these men are greatly desired by the Lords of Tazenda – and it is on my farm that they are landing.† He fairly hopped for anxiety, â€Å"The proper hospitality now – the mention of my name to the governor – and what may not be ours?† His wife was suddenly aware of the cold biting through her thin house-clothing. She leaped towards the door, shouting over her shoulders, â€Å"Leave then quickly.† But she was speaking to a man who was even then racing towards the segment of the horizon against which the ship sank. *** Neither the cold of the world, nor its bleak, empty spaces worried General Han Pritcher. Nor the poverty of their surroundings, nor the perspiring peasant himself. What did bother him was the question of the wisdom of their tactics? He and Channis were alone here. The ship, left in space, could take care of itself in ordinary circumstances, but still, he felt unsafe. It was Channis, of course, who was responsible for this move. He looked across at the young man and caught him winking cheerfully at the gap in the furred partition, in which a woman’s peeping eyes and gaping mouth momentarily appeared. Channis, at least, seemed completely at ease. That fact Pritcher savored with a vinegary satisfaction. His game had not much longer to proceed exactly as he wished it. Yet, meanwhile their wrist ultrawave sender-receivers were their only connection with the ship. And then the peasant host smiled enormously and bobbed his head several times and said in a voice oily with respect, â€Å"Noble Lords, I crave leave to tell you that my eldest son – a good, worthy lad whom my poverty prevents from educating as his wisdom deserves – has informed me that the Elders will arrive soon. I trust your stay here has been as pleasant as my humble means – for I am poverty-stricken, though a hard-working, honest, and humble farmer, as anyone here will tell you – could afford.† â€Å"Elders?† said Channis, lightly. â€Å"The chief men of the region here?† â€Å"So they are, Noble Lords, and honest, worthy men all of them, for our entire village is known throughout Rossem as a just and righteous spot – though living is hard and the returns of the fields and forests meager. Perhaps you will mention to the Elders, Noble Lords, of my respect and honor for travelers and it may happen that they will request a new motor wagon for our household as the old one can scarcely creep and upon the remnant of it depends our livelihood.† He looked humbly eager and Han Pritcher nodded with the properly aloof condescension required of the role of â€Å"Noble, Lords† bestowed upon them. â€Å"A report of your hospitality shall reach the ears of your Elders.† Pritcher seized the next moments of isolation to speak to the apparently half-sleeping Channis. â€Å"I am not particularly fond of this meeting of the Elders,† he said. â€Å"Have you any thoughts on the subject?† Channis seemed surprised. â€Å"No. What worries you?† â€Å"It seems we have better things to do than to become conspicuous here.’ Channis spoke hastily, in a low monotoned voice: â€Å"It may be necessary to risk becoming conspicuous in our next moves. We won’t find the type of men we want, Pritcher, by simply reaching out a hand into a dark bag and groping. Men who rule by tricks of the mind need not necessarily be men in obvious power. In the first place, the psychologists of the Second Foundation are probably a very small minority of the total population, just as on your own First Foundation, the technicians and scientists formed a minority. The ordinary inhabitants are probably just that – very ordinary. The psychologists may even be well hidden, and the men in the apparently ruling position, may honestly think they are the true masters. Our solution to that problem may be found here on this frozen lump of a planet.† â€Å"I don’t follow that at all.† â€Å"Why, see here, it’s obvious enough. Tazenda is probably a huge world of millions or hundreds of millions. How could we identify the psychologists among them and be able to report truly to the Mule that we have located the Second Foundation? But here, on this tiny peasant world and subject planet, an the Tazendian rulers, our host informs us, are concentrated in their chief village of Gentri. There may be only a few hundred of them there, Pritcher, and among them must be one or more of the men of the Second Foundation. We will go there eventually, but let us see the Elders first – it’s a logical step on the way.† They drew apart easily, as their black-bearded host tumbled into the room again, obviously agitated. â€Å"Noble Lords, the Elders are arriving. I crave leave to beg you once more to mention a word, perhaps, on my behalf-† He almost bent double in a paroxysm of fawning. â€Å"We shall certainly remember you,† said Channis. â€Å"Are these your Elders?† They apparently were. There were three. One approached. He bowed with a dignified respect and said: â€Å"We are honored. Transportation has been provided, Respected sirs, and we hope for the pleasure of your company at our Meeting Hall.† Third Interlude The First Speaker gazed wistfully at the night sky. Wispy clouds scudded across the faint stargleams. Space looked actively hostile. It was cold and awful at best but now it contained that strange creature, the Mule, and the very content seemed to darken and thicken it into ominous threat. The meeting was over. It had not been long. There had been the doubts and questionings inspired by the difficult mathematical problem of dealing with a mental mutant of uncertain makeup. All the extreme permutations had had to be considered. Were they even yet certain? Somewhere in this region of space – within reaching distance as Galactic spaces go – was the Mule. What would he do? It was easy enough to handle his men. They reacted – and were reacting – according to plan. But what of the Mule himself? How to cite Second Foundation 3. Two Men and a Peasant, Essay examples

National Traffic Planning and Management †MyAssignmenthelp.com

Question: Discuss about the National Traffic Planning and Management. Answer: Introduction The Sydney people are likely to get benefits from the latest transport model that has been planned to install and configure at Sydney. HASELL along with NSW have planned to install light rail architecture to facilitate the transport (Vermote et al. 2014). The configuration of the light rail has been planned to include the South East Rail Project (CSELR) and Central Business District (CBD). The proposed rail route is planned to prolong up to 12 kilometres and the rail route will cover Circular Quay, it will also connect Kingsford and possibly Randwick. This report will highlight the conceptual design planned by the organisations to implement the light rail in Sydney. The report will also grandstand the landscapes they have planned to rejuvenate alongside the main light rail track. HASSELL with NSW has a conceptual design plan to rejuvenate the light rail based in Sydney. They have proposed that the rail route will cover Central Station, Circular Quay, Kingsford and Randwick s (Stay and Griffin 2015). They have added that the proposed project will assist the traffic jam and the new model will be built keeping in mind that it will facilitate the transport system of South East Railway and that will surely change the whole scenario of George Street. The new rail architecture in Sydney is hoped to embellish the whole Sydneys glory. Transport for NSW along with HASSELL has a plan to develop stops at regular intervals accompanying Sydney's light rail, has a plan to model the landscapes of the rail route by implanting small plants and the trees. Therefore, the CBD and CSELR project looks promising and if effectively implemented, the whole Sydney city can get hassle free transport facility and also the surrounding landscapes (Stay and Griffin 2015); it will also add scenic beauty to the light rail as well as to the entire city. Conceptual Design correlated with CSELR It is responsibility of both the organisations to correctly acknowledge the region, location they have chosen to implement the project. The organisations must keep in mind the comforts and the facilities along with the establishment of the light rail project (Kim and Lahr 2014). Therefore, they must build the proper shelter and resting places at regular intervals to simplify the service. They are also including the customers comforts. They have planned to construct the rails to ensure safety and security of the customers (Chatman, Tulach and Kim 2012). The organisations are trying to model the light rail doors to secure the system, also safe crossings for the motorists, pedestrians and cyclists are also part of the plan. Circumstantial analysis based on conceptual design of CSELR Suitable land zoning: CSLER project will cover Moore Park, Tay Reserve, Anzac Parade, the University of New South Wales, Kensington Campus and National Institute of Dramatic art. The roadway and the associated transport connectivity: The CSLER project will definitely embellish the entire transport facility of the Anzac Parade, Alison Road. The cyclists, all the users those who travel by bus can get the benefits from the advanced transport facility. The Traditional items: The traditional items of the CSLER can be beneficial to attract more and more customers or users in the nearby location of Kingsford and GML Heritage has detected those items (Currie and Delbosc 2013). These items have been located at the Residential group, Masonic hotel, Tay Reserve and the University of South Wales. The outskirt design correlate with CSELR project: The local landscapes surrounding the rail track have the vegetation area which will definitely add the beauty of the whole surroundings of the rail track and the entire city will be looked beautiful (Currie and Delbosc 2013). The conceptual design here includes signalling for the local pedestrians of Anzac Parade and the regions of Randwick route. The plan arrangement involves the sharing of the transports like the local bus with the light corridor (Boarnet, Wang and Houston 2017). The plan also involves the plantation of robusta trees in the surrounding regions to design the landscape. The Heritage Walter Renny fountain has also been planned to be properly maintained and secured. Tay Reserves conceptual design layout Tay Reserve is definitely a plan of the project. The plans includes the modification of the footpath around and build a new road path that will join Alison Road and Anzac Parade, a new shelter will be built and a new lawn has also been planned to build (Nawrocki et al. 2014). The further modification and the reconstruction have also been considered to be done if situation arises. The organisations have to decide and have to find out new ways to build stops here at Carlton Street Stop as the residents are constructing new buildings and apartments at Ascot Streets and the surrounding regions of Godwood. The new trees Platanus acerifolia have been planned to seed around the sideways of the light rail track. It has been planned to implement fences all around the light rail tracks and to make sure the safety of the pedestrians. Separate parking slots are planned to locate on the Bowral Street to facilitate the Anzac Parade traffic congestion free (Lagendijk and Boertjes 2013). The footpaths of the region have been planned to prolonged or extent to facilitate the dwellers or the pedestrians. About 200L trees have been designed and planned considering the nature of the soil in this region (Schoner and Cao 2014). Like UNSW Kensington Campus it has also been planned to augment the width of the footpath (Cao and Schoner 2014). The public domain strategys primary objective is to provide advanced pedestrians and users safety and also to add islands, the organisations primary objective is to give direct admission to the University Mall roadway from UNSW Anzac Parade Stop. Around the outskirts of the light rail tracks 200L trees have been planned to be plant. The kerb islands will also be implemented to ensure pedestrian and users safety. The public domain procedures can be useful in lessening traffic in Kingsford terminus. The organisations have taken another initiative to create fields for the local dwellers and it will facilitate them to reach to the station fast (Knowles and Ferbrache 2016).. The organisations have taken initiatives to establish advanced furniture in accordance the demands and wishes of Randwick city local guidelines where local people can take rest. All the CSELR project elements have been considered keeping in mind the project requirements as per SPR Appendix. The furniture and the materials chosen for the project must comply the requirements of CSELR project. Those objects must be sturdy and tough and must be resistant to rapid constant washing and cleaning. Conclusion It can be concluded from the above discourse that the companies who are working on this light rail project have planned well. The effort will not only enhance the light rail system in Sydney but will also embellish the scenic beauty of the whole city. The procedures by which the organisations have planned to deliver the services have been detailed in this report. The designs of light rail track along with the surrounding landscape are looking promising. Sydney is developing every day and this light rail project will add another feather to the crown. Recommendations Online ticketing: The organisation must approach towards e-commerce and they must initiate the online ticketing procedures, they will be more benefitted in this venture. Real time upgrades and updates: The organisation must give the real time upgrades and the updates, this will help the customers to know when the train will arrive, further with the help of Internet technology they should implement mobile apps and should send notifications via all these apps. This will benefit all the customers. Light rail network collaboration with the bus network: With the advent of light rail network, it is planned to reduce the number of buses and it is also decided to collaborate the light rail with the buses that will definitely reduce the traffic jam and can complement the transport system. References Boarnet, M.G., Wang, X. and Houston, D., 2017. Can New Light Rail Reduce Personal Vehicle Carbon Emissions? A Before?After, Experimental?Control Evaluation in Los Angeles.Journal of Regional Science,57(3), pp.523-539. Cao, X.J. and Schoner, J., 2014. The influence of light rail transit on transit use: An exploration of station area residents along the Hiawatha line in Minneapolis.Transportation Research Part A: Policy and Practice,59, pp.134-143. Chatman, D.G., Tulach, N.K. Kim, K., 2012. Evaluating the Economic Impacts of Light Rail by Measuring Home Appreciation.Urban Studies, 49(3), pp.467487. Currie, G. and Delbosc, A., 2013. Exploring comparative ridership drivers of bus rapid transit and light rail transit routes.Journal of Public Transportation,16(2), p.3. Hensher, D.A., 2016. Why is Light Rail Starting to Dominate Bus Rapid Transit Yet Again?. Kim, K. and Lahr, M.L., 2014. The impact of Hudson?Bergen Light Rail on residential property appreciation.Papers in Regional Science,93(S1). Knowles, R.D. and Ferbrache, F., 2016. Evaluation of wider economic impacts of light rail investment on cities.Journal of Transport Geography,54, pp.430-439. Lagendijk, A. and Boertjes, S., 2013. Light Rail: All change please! A post-structural perspective on the global mushrooming of a transport concept.Planning Theory,12(3), pp.290-310. Nawrocki, J., Nakagawa, D., Matsunaka, R. and Oba, T., 2014. Measuring walkability and its effect on light rail usage: a comparative study of the USA and Japan.Urban Transport XX,138, p.305. Schoner, J. and Cao, X., 2014. Walking for purpose and pleasure: influences of light rail, built environment, and residential self-selection on pedestrian travel.Transportation Research Record: Journal of the Transportation Research Board, (2464), pp.67-76. Stay, P. and Griffin, M., 2015, July. Are we witnessing light rail establishing a new form of linear transit oriented development for Australian cities?. InAustralian Institute of Traffic Planning and Management (AITPM) National Conference, 2015, Brisbane, Queensland, Australia. Upchurch, C. and Kuby, M., 2014. Evaluating light rail sketch planning: actual versus predicted station boardings in Phoenix.Transportation,41(1), pp.173-192. Vermote, L., Macharis, C., Hollevoet, J. and Putman, K., 2014. Participatory evaluation of regional light rail scenarios: A Flemish case on sustainable mobility and land-use.Environmental Science Policy,37, pp.101-120.

5 Steps to Determine Your LinkedIn Profile Focus by guest blogger Jill Schaefer

5 Steps to Determine Your LinkedIn Profile Focus by guest blogger Jill Schaefer You are a multi-faceted human being and yet you only get one LinkedIn profile (or two if one of them is in a second language). Perhaps you are unsure where to focus as a professional and thus how to present yourself in your profile. The question â€Å"Who am I?† is an important one for job seekers and professionals, and it’s not always easy to answer. You: The multi-talented All of us are good at MANY things; but the fact is you can’t be everything to everyone- especially as a job seeker. As Martin Yates, CPC, author of the famed Knock ‘em Dead series, elaborates in Knock ‘em Dead 2012: The Ultimate Job Search Guide, â€Å"People get hired based on their credentials not their potential†¦ Decide on the job that will be the easiest sell for you and the easiest buy for an employer.† In the almost two years that I have been writing LinkedIn summaries for The Essay Expert, I have encountered clients who attempt to be all things to all people. They want to highlight their experience in A, B, and C industries and their accomplishments at X, Y, and Z jobs, AND promote their small business- all within the space of 2,000 characters. Sound familiar? You may think this broad-ranging type of summary says, â€Å"I’m dynamic and versatile.† In reality, most readers interpret it as, â€Å"This person is confused, random, and indecisive.† 5 Step Plan Here’s how to convey focus and strength in your LinkedIn summary: Step 1: Pick one thing The first step to finding your LinkedIn focus is to zero in on the PRIMARY job that you’re after or the PRIMARY professional pursuit you want to come across loud and clear in your profile. How do you do that? Back to Martin Yates’ words of wisdom. â€Å"Based on the skills you possess today, what is your primary job target?† Step 2: Find job descriptions for your target job or profession. Identify keywords. Look up 3-5 job descriptions for your target job category. For example, if I am looking for a marketing or communication manager position, I would go to indeed.com, monster.com, or careerbuilder.com to find posted positions, such as Marketing Communications Officer or Marketing Services Manager, that employers are actively recruiting for. You don’t have to limit yourself to a certain geographic area for this exercise. The point is to learn what job title is most commonly used and what language employers use to describe the job’s requirements. What is the problem a person in that role must solve? What skills would an ideal candidate have? (Note: If your target job requires you to do things that you hate, go back to Step 1.) Copy and paste the contents of the job descriptions into an electronic file or print them out. Highlight mandatory skills from the job descriptions. What keywords- the words that LinkedIn recruiters and hiring managers would search on- keep popping up? Hint: â€Å"team player† is not a keyword phrase, â€Å"alliance management† is. Learn more about keywords in Brenda Bernstein’s Baffled by choosing keywords for your LinkedIn Profile HEADLINE post. Make a list of the most common keywords from the job descriptions. You might want to use Wordle.net to help out with this part. Step 3: Identify your accomplishments With your target job position in mind,   create a list of your top five relevant accomplishments. Organize each accomplishment into a Situation/Action/Results format: Briefly DESCRIBE THE SITUATION or problem. List the ACTIONS YOU TOOK to amend the situation. Describe the RESULTS YOU ACHIEVED. Use quantifiable statistics and metrics, if possible. Step 4: Evaluate how you match up Compare and contrast the similarities between the job descriptions and your accomplishments. How do you match up? If you do, great! If not, it’s time to re-evaluate whether you have matching experiences or successes in the areas that are important to an employer. Step 5: Be THAT person Make sure everything you say about yourself on your LinkedIn profile supports your ONE target position or singular professional objective. Don’t muddy the waters by including keywords from everything that you’ve ever done in your working life. Keep it focused. Remember if you decide today that you’re most qualified to be a genie and tomorrow you decide you’d rather be a zookeeper, you can change your LinkedIn profile accordingly. It’s a living document that reflects who you are as a professional right now. Once you’ve updated your LinkedIn profile, start monitoring the â€Å"Who’s viewed your profile?† section on the right side of your LinkedIn home page. How many times has your profile appeared in searches over the past few days? If your hits are in the single digits, change a few keywords, reassess, and repeat until your numbers go up. Feeling lost? The Essay Expert is here to help you find your professional self. We have helped many a client with multiple professional personalities benefit from a focused, successful LinkedIn summary. About Jill Schaefer: Jill is a professional copywriter and freelance writer who lives in Madison, Wisconsin. She specializes in environmental communications, connecting with clients, giving LinkedIn profiles a makeover, and producing compelling copy. View winning LinkedIn summaries Jill co-wrote for The Essay Experts clients: Shashi Dosaj | Marissa Keller Outten | Michelle Henry

Civil liberties, habeas corpus and war on terror

Civil liberties, habeas corpus and war on terror Introduction Habeas corpus is one of the legal principles, which constitute the foundation of law in America. The principle enables an individual to challenge detention. This is a vital principle in law whose application has largely depended on regimes, the governance approach and security challenges that a government encounters.Advertising We will write a custom research paper sample on Civil liberties, habeas corpus and war on terror specifically for you for only $16.05 $11/page Learn More Various regimes have applied the principle in different ways (Halliday, 2011). The variation in the application has been controversial with the onset of war on terror (WON). Legal hurdles have impaired WON as regimes seek to hold enemy combatants without any trial. However, the presence of this clause limits the ability of authorities to detain suspects without initiating hearings (Fiss, 2006). The congress and the president have the capacity to lift the right to habeas corpus. The application of this right is largely dependent on the security challenges that a regime encounters. As such, the suspension of habeas corpus depends on the security challenges that a government is encountering. Definition of habeas corpus With reference to the American constitution, habeas corpus is a vital principle of freedom. The terminology means ‘to avail the body’ in Latin. Consequently, it enables individuals to access freedom from detention without any trial. The American constitution affords its citizenry with the right to plea to this legal clause. In such cases, the American government has to answer to the court. The government has to provide concrete reasons for holding a person. Subsequently, the court determines whether the reasons provided are adequate to allow the wavering of this fundamental right. Habeas corpus in America is much similar to the corresponding law in England. The American law emanated from the English statutes. However, there are numerous adjustments in the respective nations to suit their circumstances. There are certain reasons that lead to lifting of this right. They include rebellion and protection of public safety. Over years, the application of habeas corpus has changed with countless infringements by authorities (Hafetez, 2011). War on terror The WON has culminated in controversy owing to the government’s detention of civilians believed to be enemy combatants. The application of this vital principle has been violated by subsequent regimes as they seek to detain combatants. The challenge that the government encounters is the prosecution of the alleged combatants in civilian court. As such, the terror charges would not stand before judges and most of the combatants would be set free.Advertising Looking for research paper on government? Let's see if we can help you! Get your first paper with 15% OFF Learn More To prevent this, the government regards enemy combatants as terrorists. This enables the authority to detain such suspects despite the illegality of such detentions. The Bush administration encountered numerous challenges as it was holding suspected criminals without trial. Owing to this challenge, the Bush regime could not effectively execute its strategies during the WOT. Subsequently, it sought to build a holding camp in a place where the American constitution had no jurisdiction. Guantanamo bay was constructed on land leased from the Cuban authority. As such, the American constitution had no jurisdiction. The government held terror suspects on the island without any trial. The right to habeas corpus was not applicable on this detention camp (Fiss, 2006). Cases challenging detention The action to hold detainees in Guantanamo was challenged severally. In Boumediene v. Bush, the court ruled that Boumediene, a Bosnia and Herzegovina national had the right to plead to habeas corpus. Consequently, his detention was illegal. The court decision culminated from 5-4 majority in the ruling. The application of insular cases meant that the American constitution had jurisdiction in Guantanamo since America had complete authority and control over the territory. The decision by the Supreme Court resulted in subsequent cases pertaining to this right. Other suspects sought to plead to this right (Cornell University Law School 2007). However, their efforts were curtailed by legislation. In subsequent cases pertaining to detainees held in the Guantanamo camp, the court ruled that the detention was illegal. Consequently, the government solved the impending crisis by establishing the Combatants status review tribunal. The detainees held in the camp were to face a military commission since the government ruled out trials in civilian courts (Cornell University Law School 2007). Courts’ role in the implementation of habeas corpus In light of the above cases, the court exercised absolute authority on the ability of any detainee to p lead to this habeas corpus. The jurisdiction of the court limited the ability of the defence department to breach this right. However, to some extent the president prevailed since the detainees did not receive the right to prosecution in a civilian court. If the proceeding were in civilian courts, most of the detainees would be set free. This would hinder the WOT since the civilian courts would set free such detainees. The government viewed the prosecution of enemy combatants in civilian courts as counterproductive (Hephaestus Books 2011).Advertising We will write a custom research paper sample on Civil liberties, habeas corpus and war on terror specifically for you for only $16.05 $11/page Learn More Previous incidences of suspension habeas corpus’ The Congress and the president can exercise their authority and limit the right to plea to this right. President Lincoln did so during the civil war when part of America was under enemy forces. The suspen sion of this rights resulted in the establishment of military courts to deal with the rebels that wanted to seize the capital. However, Lincoln faced an aggressive senate once it resumed from recess. The high court in Maryland overturned Lincoln decision pertaining to the right of habeas corpus. However, the president assumed the court’s decision and continued to suspend this right with regard to combatants. Once the senate resumed it passed legislation approving the president’s action. The president’s actions were necessary since American was encountering a rebellion. According to Sir William Blackstone, one of the lords that were pivotal in the creation of this principle the King had to know of any retrains on his subjects. Once the English legal system was fully operation, the legal statues provided that the right could only be waived during a rebellion or an invasion. This is much similar to what the legal statutes in America provide. Similarly, during the S econd World War the president could suspend habeas corpus. However, the court limited the suspension of this right to only crimes that relate to war only. If habeas corpus was suspended, the applicable law only applied to crimes pertaining to invasion, enemy combatants and rebellions. In the above scenario, the courts also limited the suspension of this right. This limits the misuse of the suspension of habeas corpus (Fiss, 2006). Congress and the president The congress being the ultimate legislative body has the capability to determine various aspects of habeas corpus. The congress has enacted laws, which determines the application of habeas corpus. Evidently, alterations to this right mainly result from the security challenges that the nation is encountering. The alterations have sought to approve measures to detain combatants or suspects who threaten the safety of America. The congress first altered the right to habeas corpus was during the Lincoln era, when the president suspend ed this right as the senate was in recess. Despite confrontations in congress, senators ratified the president’s executive order to suspend habeas corpus. The second situation, which required the suspension of habeas corpus, was during World War II (Chemerisnky, 1987). Legal changes owing to WON The Oklahoma and twin towers attacks are other security challenges that have culminated in the suspension of this right. The latter resulted in massive legal changes to deal with terror. However, alterations have encountered challenges if they infringe on the constitutional rights of a person.Advertising Looking for research paper on government? Let's see if we can help you! Get your first paper with 15% OFF Learn More The 2001 presidential military order sanctioned detention of individuals believed to partake in terrorist activities without any legal proceedings to prove their innocence. Legal scholars were opposed to such an order since it violated habeas corpus. Despite the approval of detention based on terrorist suspicions, the Supreme Court proved the supremacy of the rights entrenched in the constitution through various rulings such as Hamdi v Rumsfield. Cases such Boumediene v. Bush and Hamdi v. Rumsfield had dissenting justices. However, it was vital that the court observed the constitution. This is because habeas corpus is a basic right for any person restrained by American authorities. Consequently, suspending it without providing a detainee with a chance at justices breaches the basic rights entrenched in the constitution. Unlike in previous scenarios where the legal system shied away from upholding the law when the executive contravenes it, the court emerged as an independent organ of governance by terming the detentions unlawful (Perkins, 2004). Personal views on habeas corpus Habeas corpus is a key right in any free society. As such, it is vital to uphold it. Despite the complex security challenges that this nation encounters, it is paramount to ensure that all detainees have access to a legal process where they can prove their innocence. Terrorist charges should not be a basis to detain an individual without any legal procedure to try the suspect. Terror poses a massive challenge to this society. Subsequently, on the determination of the involvement of a suspect in such activities, the suspect should face appropriate legal process. Where the suspect is extremely dangerous specialized trial procedures should apply. These include military commissions and tribunals. The constitution of such tribunals should have civilian legal representatives who should ensure that the basic rights of a defendant are upheld. The president and the congress should also exercise ca ution in suspending habeas corpus since it breaches the basic rights in our constitution (Hephaestus Books, 2011). Conclusion In instances where the government suspends habeas corpus, it seeks to address certain security challenges. The details above exemplify the above assertion fully from the Lincoln regime to the Bush era. However, suspension of such a right has encountered legal challenges from courts, which have either outlawed or limited the suspension of this right. Courts undertake a vital role in ensuring that all detainees can challenge their arrest in a court or an appropriate legal system to suit their circumstance. The congress and the president have emerged as key figures in the implementation of this right with the initial passing bills to influence its application. Conversely, the latter issues executive orders to suspend habeas corpus which congress can ratify to ensure legality. Suspension of habeas corpus has exclusively pertained to individuals that pose a signif icant threat to the security of this nation. Conclusively, the suspension of habeas corpus pertains entirely to the security challenges that this nation is encountering. References Chemerisnky, E. (1987). Thinking about habeas corpus. Law Review, 37:748-789. Cornell University Law School. (2007). Boumediene et al. v. Bush, president of the United States, et al. Retrieved from https://www.law.cornell.edu/supct/html/06-1195.ZS.html Fiss, O. (2006) The War Against Terrorism and the Rule of Law. Oxford Journal ofLegal Studies, 26 (2): 235-256. Hafetez, J. (2011). Habeas Corpus and the â€Å"War on Terror. Retrieved from https://www.acslaw.org/ Halliday, P. (2011). Habeas Corpus: From England to Empire. USA: Congress Publication. Hephaestus Books. (2011). Articles on Global War on Terror Captives Habeas Corpus Petitions, Including. Virginia: Hephaestus Books. Perkins, J. (2004). Habeas Corpus in the war against terrorism: Hamdi v. Rumsfeldand Citizen Enemy Combatants. Hein Online public ation, 19: 437-460.

Marvels and Mirages of Orientalism Assignment Example | Topics and Well Written Essays - 500 words

Marvels and Mirages of Orientalism - Assignment Example The exhibition layout and painting was very old fashioned. However, the exoticism of the paintings and photograph combined with the reality of Arabs souvenirs is of royalty. The Moroccan architecture of the buildings looks more of a palace. The dressing code as well as fashion of the people makes the setting very posh. The classy setting of the museum photos may make one think of a city yet they are just paintings in a museum. Upon setting the eyes on the painting, one could feel the wealth. Everyone will associate the high ceiling of the buildings with a palace. Women have determined forms of human culture and influences course of events that happen in a culture. Men ignorance on women greatly compounded by the oversight of information on society that give female power has challenged the advancement and independence of women. This image implies sexism hence it communicates to the people now on the importance of according women same treatment as men. Just like men have been in the position of war, so do the implication in this image. The sword signifies the power accorded to this woman in the image. The dressing code is a replica of a prince and not a princess, an implication that power accord should be to women just as men. Painting in glinting red and gold tones depicts exotic settings. The beauty of this woman in the image appears as avenging beauty by proudly bearing her sword. Such a face looks like one who is under a mission to save or revenge about her besieged kingdom or city. This is a picture of the Arabs soldiers in a watch out to protect their kingdom from entry of an enemy. The military power remains in vigilance to support the unpopular war. They create a wedge between the European scramble and colonization of the East hence it shun off orientalism. The existence of the soldiers at the offstage describes despotism of the Pasha’s government. This shows

Occupational Therapy as an Unheard Profession in the Country Essay

Occupational Therapy as an Unheard Profession in the Country - Essay Example I grew up in the rural area of Pakistan. Occupational therapy is an unheard profession in the country. In 2004, my family immigrated to the U.S. This serves as an avenue for me to pursue a career in occupational therapy. I enrolled in Santa Monica after completing high school. I worked and studied hard to fully grasp concepts and principles in Occupational therapy. I participated in marathons during high school and learn a valuable lesson in dedication. I thought that a couple of longer runs are sufficient in the preparation for a marathon. I realized that I was wrong after the marathon. I felt extremely disappointed with my performance because I knew I could have done better. I realized that I was not dedicating all my efforts to the marathon. This has made me realize the need to be fully dedicated and determined to pursue my desire to be an occupational therapist. I was able to finish high school and enroll in community college to pursue my desire to be an occupational therapist. Hopefully, I can earn a bachelor degree in your esteemed university. I have consistently maintained a 3.23 point average in my studies. I will work harder to maintain a higher point average to represent your university in the best possible manner. I possess a yearning to effectively address the needs of individuals who have mental, social, and physical disabilities. Contrary to common notion, these individuals require empathy and understanding instead of merely physical assistance. Dexterity and weakened areas of the body can be strengthened through rebuilding confidence among clients. Thus, physical needs, as well as psychological and emotional well-being of these individuals, should be addressed. There are various strategies to address the needs of individuals with mental, social, and physical disabilities.  

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.