...------------------------------------------------- http://www.realestateindia.com/home-loans/home-loan-procedure.htm ------------------------------------------------- Home Loan Procedure With the increasing competition in the market for offering Home Loans, the otherwise tedious process of availing loans has gone a tremendous change in the recent years. However, there is still some process involved in the procurement of Home loan. It is advisable for you to first look at the different stages required for obtaining a Home Loan. The followings are the step by step procedure of getting home loan: Step 1 : Application form The first step involved in applying for home loan is the procurement of application form from the HFC of your choice. The Performa of application every HFC (Housing Finance Companies) is different from the other but about 80% information required to be furnished is the same. Along with the application form necessary documents like address proof, age proof, proof of income, bank balance etc. are also to be attached with the application form before it is submitted to the HFC. Along with all these documents HFCs also ask for processing fee of the home loan that varies 0.25% to 0.50% of the total loan amount. Step 2 : Personal Discussion After successfully filling the application form and submitting it to the authority the next step is face to face with bank or HFC where you have applied for the home loan. The bank first evaluates the papers submitted and...
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...The article “Consumerism is creating cunning and callous kids’’ retrieved from Globe and mail was published on May 29, 2014. This article discussed the developing effect of consumerism on today’s children, and it impact the identify formation. Despite being raised by altruistic parents, these children end up being callous and mean and are lacking in empathy. Why are children turning this way? This change is the cause of poor parenting and materialism. The vast environment and the ecological system surrounding them influence today’s children. One particular development theory that identify with this issue is the ecological system theory by Bronfebrenner. Ecological systems theory on child development provides an analysis of how it identified five systems, which are microsystem, mesosystem, exosystem, macrosystem and chrono system all affect the development of the child (Shaffer, Kipp, Wood & Willoughby, 2013). Each of these systems contains specific roles that explain how child’s immediate environment to economic and political structures of the society shapes the course of childhood. Harried parenting of micro system to the role of media in advertising of exosystem influence can breed values that differ from their parents. The role of family is an essential component of healthy child development. The family values, socioeconomic status and religion prevailing within a culture, subculture or even neighborhoods can affect family interaction and development of the child (Shaffer...
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...Figure of Speech- is where a word or words are used to create an effect, often where they do not have their original or literal meaning. Alliteration The repetition of an initial consonant sound. Anaphora The repetition of the same word or phrase at the beginning of successive clauses or verses. (Contrast with epiphora and epistrophe.) Apostrophe Breaking off discourse to address some absent person or thing, some abstract quality, an inanimate object, or a nonexistent character. Assonance Identity or similarity in sound between internal vowels in neighboring words. Irony The use of words to convey the opposite of their literal meaning. A statement or situation where the meaning is contradicted by the appearance or presentation of the idea. Onomatopoeia The use of words that imitate the sounds associated with the objects or actions they refer to. Paradox A statement that appears to contradict itself. Synecdoche A figure of speech in which a part is used to represent the whole (for example, ABCs foralphabet) or the whole for a part ("England won the World Cup in 1966"). Elements of a short story A character is a person, or sometimes even an animal, who takes part in the action of a short story or other literary work.see The Green Door by O. Henry The setting of a short story is the time and place in which it happens. Authors often use descriptions of landscape, scenery, buildings, seasons or weather to provide a strong sense of setting. see The Last Leaf...
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...Cognitive Developmental Milestones Cognitive milestones represent important steps forward in a child's development. Throughout human history, babies were often thought of as simple, passive beings. Prior to the 20th-century, children were often seen simply as miniature versions of adults. It wasn't until psychologists like Jean Piaget proposed that children actually think differently that adults do that people began to view childhood and adolescence as a unique period of growth and development. Adults often dismissed the remarkable intellectual skills of infants and very young children, but modern thinkers and researchers have discovered that babies are in fact always learning, thinking and exploring the world around them. Even newborn infants are actively taking in information and learning new things. In addition to gathering new information about the people around and world around them, babies are also constantly discovering new things about themselves. From Birth to 3 Months The first three months of a child's life are a time of wonder. Major developmental milestones at this age are centered on exploring the basic senses and learning more about the body and the environment. During this period, most infants begin to: * See objects more clearly within a distance of 13 inches * Focus on moving objects, including the faces of caregivers * Tell between sweet, salty, bitter and sour tastes * Detect differences in pitch and volume * See all colors in the human...
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...Employee satisfaction is a measure of how contented workers are with their job and working environment. Keeping spirits high among workers can be of great benefit to any company, as contented workers will be more likely to produce more, take fewer days off, and stay loyal to the company. There are many factors involved in improving and maintaining high the employee satisfaction, which wise employers would do fine to execute. To measure employee satisfaction, many companies conduct surveys or face-to-face meetings with employees to gain information. Both of these methods have fruits and flaws, and should be chosen carefully. Surveys are more common, allowing workers more freedom to be honest without fear of harmful effect. Interviews with company management can feel intimidating, but if done correctly can let the worker know that their voice has been heard and their concerns addressed by those in charge. The purpose of this study is to find out the antecedents that effect employee satisfaction. These factors may effect to work environment and reflect to employee attitude and behaviors, and the factors that force employee turnover, and To access the satisfaction level of employees. to identify the factor which improve the satisfaction level of employee, to know the employee satisfaction towards the facilities and to offer valuable suggestion to improve the satisfaction level of employees. Job satisfaction should be major determinants of an employee organizational behavior. ...
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...The Effects of Child Sexual Abuse Anne A. Student CHF1500 Human Development Professor Day Summer Semester 2010 Abstract When I was five years old, I was sexually abused by a friend of my mother’s, the abuse continued for about a year. The day my sixteen year old brother heard what had been happening he confronted the perpetrator. During their argument my brother was brutally murdered. I have always felt a sense of guilt for his death. Additionally, I have always wondered if there was a connection between the sexual abuse I suffered as a child, the other traumatic events I experienced and the thought patterns and actions I used throughout my childhood and adolescence. Sadly, child sexual abuse (CSA) is prevalent in all societies, cultures, and occurs in every socioeconomic status, it knows no boundaries. Experts agree that experiencing this type of abuse during such a pivotal point in development can have detrimental effects on a child’s psyche. What are the common results of CSA and why do some survivors seem to be affected more deeply than others? What are the ramifications as they grow into adulthood? And do the coping strategies survivors use, create a possibility of further abuse? These are the questions researchers have been asking for years. My goal through the examination of this research is to discover the different implications of CSA so that I can completely understand myself; and as a prospective educator, I will be fully equipped with the knowledge needed...
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...Marketing Institute of Singapore DIPLOMA IN SALES AND MARKETING MARKETING RESEACH DSM 303 |TABLE OF CONTENTS | | | | | |Page | |Branding Efforts by Malaysia Airline System (MAS) |2 - 6 | |Malaysian Hospitality | | |New Experience | | |Service and Upgrading | | |Corporate image | | |Corporate logo | | | ...
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...Name: Tutor: Course: College: Date: Allstate One organization that I would like to work for is the Allstate Foundation. I choose the organization because I have great passion for the community and the vulnerable members in the society. The organization is involved in many activities around the United States. The main purpose of the organization is to help people. Many people across the nation who go through various challenges get assistance from the Allstate foundation. The foundation offers solutions to many people access safer and better lives. Most of the projects are carried out in regions that are most affected. The foundation also work with Americans achieve the future financial dreams by empowering people with necessary resources. Additionally, the foundation is a major player in advocating for values, intolerance and inclusion of all people in development projects without any discrimination. History Allstate foundation was established in 1952 as a self governing organization. The main focus of the foundation was based on charitable mission. The organization is funded and sponsored by a parent company of the Allstate Corporation. Milestones • 2004-Allstates foundation set up $1 million catastrophe recovery fund • 2005- started the safe driving agenda with the aim of reducing teen accidents through Awareness • 2006- award victims of domestic violence job opportunities and education support • 2012-allstates foundation give $50000 towards...
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...An Exploratory study on the Challenges Faced by Young Male Entrepreneurs in Karachi Research Proposal Spring 2016 4th Feb 2016 Submitted To: Dr. Jawaid Qureshi Submitted By: Abdul Basit - 1435199 Syed Muhammad Haseeb - 1435218 Contents 1. Introduction 2 1.1 Background 3 1.2 Aims of Research 4 2.0 REVIEW OF LITERATURE 4 3.0 RESEARCH METHODOLOGY 6 3.1 Research Questions 6 3.2 Research Design 6 3.3 Sample Size 7 3.4 Research Instrument 7 References 9 1. Introduction: Interest in entrepreneurship in economies has grown within international business research due to the failure of getting employment, limited success of microfmance, lack of experience and knowledge and the relatively the unfulfilled promise of Government sector solutions. Research argues that entrepreneurial orientations and opportunities can be the answer to the former issue. In recent years, entrepreneurship has been regarded as an important element not only of regional economic growth itself, but of economic resilience. It has been suggested that this generation should become known as E-Generation because, they are expected to become the most entrepreneurial generation since the Industrial Revolution (D. F. Kuratko, 2004). This would be no surprise as a Gallup poll (Walstad, 2010) conducted in 2010 found that 69% of its 602 surveyed university students expressed interest in starting a business. However, a similar kind of pool which have the students who has just started their...
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...The nature of the current business calls for business organizations to engage in constant efforts to finding new approaches and means to recruiting and maintaining competitive and top talent. To most effectively explore Google’s employee motivation, a subset of literature has been selected based on its relevance to the following question: •What are Google’s motivational techniques? •What are some of the perks of working at Google? What are Google’s motivational techniques? In the year 2009, Google Inc. ranked first as the best company to work for according to the Fortune magazine (Cooks, 2012). The CEO, Erin Schmitt, subscribes to the school of thought founded upon the belief that “fun is good.” as much as the employees face challenging tasks in Google Inc., the management ensures that the challenge is fun. According to the article “How Google Motivates Their Employees With Rewards And Perks,” the company’s main motivational technique is providing creatively unique working workstations, fostering, celebrating and rewarding the employees from time to time. Schepp argued that a fascinating aspect of Google Inc.’s intrinsic motivational rewards is the fact the company allows for the employees to undertake their normal duties at their freedom (Schepp, 2012). Walker agrees by saying that the essence of freedom for the employees at the workplace is an important aspect that fosters business performance and overall organizational success (Walker...
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...HBS Europe Research Center (ERC) Update July - December 2013 In this update: - New publications on EADS, Investindustrial, D'O, Siemens, Hg Capital, and Visma. - New completed research project on the transformation of European energy markets. - Ongoing research in General Management, Organizational Behavior, Technology and Operations Management, and Entrepreneurial Management. - ERC case interviews and field research in Austria, Belgium, Denmark, France, Spain, Sweden, and Switzerland, Selected events: Glocoll Program on campus; MBA events in Munich, Frankfurt, Paris and London; the European Area Conference; CSR Conference in Brussels; EAB meeting in Milan; L'Etudiant Conference in Paris; ELC Meeting in Geneva. It is with mixed feelings that we say farewell to our Research Associate, Mr. Karol Misztal. Karol first joined the ERC in 2010, and quickly became a valuable member of our team. We are thankful for his contributions to our organization and, undeniably, he will be deeply missed. Please join us in wishing Karol the very best of luck and success in all his future endeavors. We were also very fortunate to welcome two outstanding Harvard College students to the ERC team for a two-month internship: Ms. Nina Chen and Mr. Roland Yang. We would like to thank them for their great work and we wish them all the best for their future careers! br> And to all of you, Happy Holidays and best wishes for 2014! Newly Released Cases Case study "FX Risk Hedging at...
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...DHCP Troubleshooting When you log on to the Internet, the ISP uses DHCP (Dynamic Host Configuration Protocol) to assign temporarily an IP address to your terminal for the duration of the surfing session. In other words, your ISP leases an IP address to you for a period of time. When the lease expires, the client renews the old lease or gets a new IP address. You'll probably never receive the same IP address twice. This happens transparently and one neither needs to know or care what that temporary IP address actually is. You transparently access websites and email with the help of the DNS (Domain Name Server) system. Once a new computer is set to accept DHCP, it will function happily across the office network. When it comes to automation networks DNS names are seldom used for device identification. It would be impractical anyway because of the actions that must be taken in replacing a failed device .In the factory, the client (perhaps a PLC)needs to locate the server(s) - which are I/O devices - rather than the server locating the clients. More about this later. If a printer fails in your office and you replace it with another, the computers must be manually rebooted or configured to recognize the new printer. Not a big deal in the office environment but an unacceptable situation on the factory floor? Why? Because one can't re-configure a PLC program just because a photo eye fails. Constantly changing IP addresses are simply incompatible with the standard form of...
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...FEDERAL PUBLIC SERVICE COMMISSION COMPETITIVE EXAMINATION FOR RECRUITMENT TO POSTS IN GRADES 17 & 16 UNDER THE FEDERAL GOVERNMENT, 1971 ENGLISH ESSAY Maximum marks: 100 C SS .C O M .P Note: Write an essay in ENGLISH on ONE of the following: 1. Man as part of a design infinitely vaster than himself. 2. Knowledge demands love as its complement. 3. The amusement mania. 4. The art of feature films made in Pakistan. 5. Art and Religion. 6. Education of freedom. 7. Brain-washing. 8. The lessons of the past. 9. Requisites for social progress in Pakistan. 10. How words change our lives? 11. Man is condemned to be free. 12. Leaders and followers. K Time allowed: 3 hours ENGLISH ESSAY EXAMINATION 1972 Maximum marks: 100 C SS .C O M .P Write an essay in English on One of the following: 1. Relevance of Islam to Science. 2. The sanctity of law. 3. Competitive results of planned economy? 4. The sick soul. 5. The strategy of political warfare. 6. “If’ in History. 7. Psychology and its social meaning. 8. Reverence for life. 9. International morality. 10. The divided self and the process of its unification. 11. Statesmen and Diplomatists. 12. The foundations of the feature. K Time allowed: 3 hours ENGLISH ESSAY EXAMINATION 1973 Time allowed: 3 hours Maximum marks: 100 1. (a) Make an outline for writing an Essay in English on One of the following subjects: (b) Write the Essay on the subject you...
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...Zumba is a popular fitness program inspired by Latin dance. The word "Zumba" comes from a Colombian word that means to move fast and have fun, which is just how people describe the routine. Using upbeat Latin music together with cardiovascular exercise, Zumba is aerobic dancing that is lots of fun and easy to learn. Is Zumba Good for Weight Loss? Zumba seems to be an optimal fitness choice, mixing cardio intervals with resistance training. Many experts believe that an interval/resistance combination maximizes caloric output, fat burning, and total body toning. Zumba mixes effective body sculpting movements with easy-to-follow, fun dance steps. People seem to forget about working out during a Zumba session, allowing them to exercise longer, and burn even more calories. What's a Zumba Class Like? A typical Zumba session lasts about an hour and incorporates several dance styles, including cumbia, merengue, salsa, reggaeton, mambo, rumba,flamenco, and calypso and Salsaton. The Latin music includes both fast and slow rhythms, allowing for a great cardio workout as well as body sculpting exercises. Depending on the instructor, you may even get a taste of belly dancing or hip-hop dancing, too. Is Zumba for Me? If you enjoy high energy, motivating music, and like to try unique moves and combinations, Zumba may be your ticket to fitness. With thousands of Zumba instructors worldwide, locating a Zumba class should be easy. A single Zumba session costs around $10 to $15. If you'd rather...
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...1. What is the nature of the investment that is under consideration and what are the sources of value (cost savings and revenue increases)? The investment proposed by Bob Prescott, an on-site long wood woodyard, would reduce operating costs by processing tree-length logs, as well as increase revenues by selling short wood. Cost Savings: In 2006, Worldwide Paper’s Blue Ridge Mill had to purchase shortwood from competitor, Shenandoah Mill. The new woodyard would begin operations in 2008, thus saving Blue Ridge Mill $2mm in year one and $3.5mm the years after. The savings would come from the difference in the cost of producing shortwood on-site versus purchasing it on the open market. Revenues: Revenues would be generated by taking advantage of the excess production capacity by selling shortwood on the open market as soon as possible. Blue Ridge Mill would show expected revenues of $4mm in 2008 and $10mm from 2009 – 2013. On paper this projectseemed like a can’t miss investment. 2.What are the yearly cash flows that are relevant for this investment decision? Itemize the cash flows for each of the six years of the investment. Do not forget the effect of taxes and the initial investment amount. Please show your numbers. There are several cash flows in this project that need to be included in the discounted cash flow analysis: Capital Spending – Though the capital spending for the project will be $18M, only $16M of it will be spent in 2007; the remainder...
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