...challenges facing housing lenders and real-estate agents across ethnic subcultures. Lenders and real-estate agents face different opportunities and challenges among the African American and Hispanics in regards to the housing market. African Americans make up one of the major ethnic subcultures, representing 13 percent of the American population, where on average, are younger than the white population, have less education, and lower household incomes. “One-third of black households earn $50,000 or more and nearly 10 percent earn $100,000 or more” (Hawkins). African Americans are segmented as market leaders or market followers. Within those are generational differences which pose challenges when it comes to marketing because they don’t follow the stereotypical images that they have been subjected to. Many are “driving growth in income and purchase power through education and professional achievement. African Americans represent $799 billion in buying power, which is expected to grow by some 34 percent through 2011” (Hawkins). This fact gives lenders and real estate agents opportunity to implement specific marketing tactics. Internet usage among African Americans is on the rise, allowing marketers to leverage online-based advertising for example. Hispanics represent another major ethnic subculture and have diverse nationalities including people of Cuban, Mexican, Puerto Rican, South/Central America or any other Spanish ethnicity. “The Hispanic market is now the largest...
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...Lagos: the survival of the determined Lagos is a city where near anarchy prevails rather than government. Lagosins respond to the chaos by relying on their own ingenuity to get by It’s rush-hour near the stadium in Lagos where Nigeria has just lost a football match. Streams of young men run through the street to let off steam as crowds dive into the tangle of battered yellow minibuses. A dozen passengers pack into one bus, and the driver grinds into gear, lurching at full throttle to gain a six-inch lead over his competitor. The side-view mirror has to be pulled in for the bus to squeeze through. Girls balancing bags of water on their heads edge their way through the traffic to vend their wares. Toilet brushes, cutting shears, smoked fish, hankies, inflatable globes and even a steering wheel are sold by boys as the coil of traffic becomes ever more ensnared. But the action never stops for a moment. That’s Lagos—a city that moves, miraculously, against the odds. A mighty magnet It’s difficult to find the centre, let alone the logic, of this city reputed to be the most dangerous in Africa. Three bridges connect about 3,500 square kilometres of lagoon, islands, swamp and the mainland, where unlit highways run past canyons of smouldering garbage before giving way to dirt streets weaving through 200 slums, their sewers running with raw waste. So much of the city is a mystery. No one even knows for sure the size of the population—officially it’s 6 million, but most experts estimate...
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...Kenya Vision 2030 REPUBLIC OF KENYA July - August, 2007 This publication is a summary of Kenya’s new long-term national planning strategy, officially known as Kenya Vision 2030. The publication briefly states the main goals of the Economic, Social and Political pillars that underpin the Vision 2030. It also provides a run-down of major, (or flagship) projects to be embarked upon in the Medium Term period of the Vision, i.e from 2008-2012. The final version of Vision 2030 will be completed after this and other consultations. Kenya Vision 2030 THE CONTEXT OF KENYA VISION 2030 Kenya Vision 2030 is the new country’s development blueprint covering the period 2008 to 2030. It aims at making Kenya a newly industrializing, “middle income country providing high quality life for all its citizens by the year 2030”. The Vision has been developed through an all-inclusive stakeholder consultative process, involving Kenyans from all parts of the country. The vision is based on three “pillars” namely; the economic pillar, the social pillar and the political pillar. This vision’s programme plan comes after the successful implementation of the Economic Recovery Strategy for Wealth and Employment Creation (ERS) which has seen the country’s economy back on the path to rapid growth since 2002, when GDP grew at 0.6% rising to 6.1% in 2006. The relationships between the pillars can be seen in Exhibit One below. The economic pillar aims at providing prosperity...
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...Manifesto for the Chief Executive Election 2012 C.Y. Leung ONE HEART, ONE VISION C.Y. Leung 1 4 1. Population and Human Resources 10 2. Land Planning and Transportation 16 3. Economic Policy 22 4. Housing 34 5. Education 39 6. Social Welfare 44 7. Medical and Health Services 51 8. Religion, Culture and Arts 56 9. Sports Policy Table of Content Foreword 62 10. Environment Protection and Conservation 66 11. Administrative and Political System 72 Epilogue 80 ONE HEART, ONE VISION 2 3 Election 2012, has provided me with a much deeper understanding of the expectations of different sectors in our society. And, at the same time, it has strengthened my resolve to serve the community as a whole. During this period, my campaign team and I have visited all 18 districts, held consultative gatherings ~ "Together we write the Manifesto" ~ and met with people from all walks of life at close quarters. We listened to the views expressed by ordinary people, who make up the majority of the population, and we talked to business people, both big corporations and local traders alike. We attended numerous other activities, met with Members of the Election Committee and answered their queries. Every step of the way, we were accompanied by the media, reporting and helping us to spread our messages to those who were not able to come to the gatherings. We were mindful that every proposal which...
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...The Issues of National Importance Based on Current Events 1. Nature And Animal Conservation Preserving species and their habitats is important for ecosystems to self-sustain themselves. Yet, the pressures to destroy habitat for logging, illegal hunting, and other challenges are making conservation a struggle. 2. Tobacco It is well know that tobacco smoking kills millions. But it also exacerbates poverty, contributes to world hunger by diverting prime land away from food production, damages the environment and reduces economic productivity. Second hand smoking also affects other people’s lives. Despite many attempts to prevent it, a global tobacco control treaty became international law in 2005. However, challenges still remain as tobacco companies try to hit back, for example, by targeting developing nations, increasing advertising at children and women, attempting to undermine global treaties and influence trade talks, etc. 3. COP19—Warsaw Climate Conference Posted Monday, December 02, 2013. An overview of the Climate Change Conference (also known as COP 19), held in Warsaw, Poland in November 2013. Predictably and sadly, the same issues have resurfaced: West stalling on doing anything, lack of funding, disagreement on priorities, etc. Climate Change And Global Warming Introduction Last updated Monday, November 11, 2013. The climate is changing. The earth is warming up, and there is now overwhelming scientific consensus that it is happening, and...
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...music is now global in scope. Youth culture and opinion is meted out in both Israeli hip hop and Palestinian hip hop, while Canada, France, Germany, the U.K., Poland, Brazil, Japan, Africa, Australia and the Caribbean have long-established hip hop followings. According to the U.S. Department of State, hip hop is "now the center of a mega music and fashion industry around the world," that crosses social barriers and cuts across racial lines. National Geographic recognizes hip hop as "the world's favorite youth culture" in which "just about every country on the planet seems to have developed its own local rap scene." Through its international travels, hip hop is now considered a “global musical epidemic,” and has diverged from its ethnic roots by way of globalization and localization. Although some non-American rappers may still relate with young black Americans, hip hop now transcends its original culture, and is appealing because it is “custommade to combat the anomie that preys on adolescents wherever nobody knows their name.” Hip hop is attractive in its ability to give a voice to disenfranchised youth in any country, and as music with a message it is a form available to all societies worldwide. From its early spread to Europe and Japan to an almost worldwide acceptance through Asia and South American countries such as Brazil, the musical influence has been global. Hip hop sounds and styles differ from region to region, but there is also a lot of crossbreeding...
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...QUADRENNIAL 2008 -2012 [DRAFT] GHANA TRADES UNION CONGRESS Contents PART 1 3 INTRODUCTION AND BACKGROUND 3 Challenges at the International Level 3 Challenges at the National Level 4 Challenges at the workplace 8 PART 2 10 GHANA TUC’S PERSPECTIVES ON HUMAN DEVELOPMENT AND DEMOCRACY 10 Human Development Objectives 12 Democratic Participation in Decision-Making 14 PART 3 17 POLICIES 17 POLICY ON LABOUR RELATIONS AND SOCIAL DIALOGUE 17 POLICY ON EDUCATION AND TRAINING 20 POLICY ON ORGANISATION, INTERNAL DEMOCRACY AND SOLIDARITY 22 POLICY ON EMPLOYMENT 28 POLICY ON INCOMES 30 POLICY ON INFORMAL ECONOMY 32 POLICY ON SOCIAL PROTECTION 35 POLICY ON HOUSING 38 POLICY ON GENDER EQUALITY 40 POLICY ON CHILD LABOUR 42 POLICY ON OCCUPATIONAL SAFETY, HEALTH AND ENVIROMENT 44 POLICY ON HIV/AIDS 46 POLICY ON ENERGY AND POWER 49 POLICY ON INTERNATIONAL RELATIONS 52 POLICY ON THE YOUTH ……………………………………………………………… PART 1 _________________________________________________________ INTRODUCTION AND BACKGROUND The Ghana Trades Union Congress (TUC) has gone through very difficult challenges since it was established in 1945. Nevertheless, it has maintained its identity and continues to grow stronger. Currently, Ghana TUC has seventeen affiliates with an estimated membership of over 400,000 spread across all the sectors in the Ghanaian economy. It has its headquarters...
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...Case Study on Board Quotas Prepared By- Md. Rokib Chowdhury (Id: 3-15-30-036) Md. Ifteakhar Alam (Id: 3-15-29-087) Biplab Vattacharjee (Id: 3-15-30-063) Md. Mosfiqur Rahman (Id: 3-15-30-062) Submitted to- Prof.Dr. Md. Abbas Ali Khan University of Dhaka Contents page no Summary …………………………. 3 Ques no1 …………………………. 4 Ques No2 …………………………. 7 Fig 1 ………………………….. 7 Fig 2 …………………………… 9 Ques no3 …………………………….. 9 Fig 3 ………………………………… 13 Ques no 4 ………………………………… 14 Summary Board Quotas for women is important for the participation of women in the workforce. In United States quotas for women is only 15%. Among 100 large companies in Britain quotas for woman is only 12%. In EU the Quotas contains only 9.7%, In India and China 5%. In this underrepresentation of quotas for women many countries make compulsory quotas for women on Boards. Question no: 1 Given that women participate in the labor force in roughly the same proportion as men, why do you think women occupy so few seats on boards of directors? Women are well established in professions like...
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...NOTRE DAME UNIVERSITY – LOUAIZE PALMA JOURNAL A MULTIDISCIPLINARY RESEARCH PUBLICATION Volume 11 Issue 1 2009 Contents Editorial New century, old story! Race, religion, bureaucrats, and the Australian Lebanese story Anne Monsour The Transnational Imagination: XXth century networks and institutions of the Mashreqi migration to Mexico Camila Pastor de Maria y Campos Balad Niswen – Hukum Niswen: The Perception of Gender Inversions Between Lebanon and Australia Nelia Hyndman-Rizik Diaspora and e-Commerce: The Globalization of Lebanese Baklava Guita Hourani Lebanese-Americans’ Identity, Citizenship and Political Behavior Rita Stephan Pathways to Social Mobility Lebanese Immigrants in Detroit and Small Business Enterprise Sawsan Abdulrahim 3 7 31 73 105 139 163 Pal. Jour., 2009, 11,3:5 Copyright © 2009 by Palma Journal, All Rights Reserved Editorial Palma Journal’s special issue on migration aims at contributing to this area of study in a unique manner. By providing a forum for non-veteran scholars in the field to share their current research findings with a broader public, Palma has joined hands with the Lebanese Emigration Research Center in celebrating LERC’s sixth anniversary serving international and interdisciplinary scholarly discourse between Lebanon and the rest of the world. The migration special issue owes its inception to a conversation between Beirut und Buenos Aires, in which Eugene Sensenig-Dabbous, an AustrianAmerican...
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...Topic Two: Human Rights Rights The nature and development of concepts of human rights. State sovereignty, ‘natural law’ doctrine, historic constitutional documents, movement for slavery abolition, trade unionism, universal suffrage and universal education Human Rights Human rights are the basic rights to which all human beings are entitled to. The most recognized document in modern human rights is the Universal Declaration of Human Rights, created by the UN. Human rights can be said to come from the idea of ‘natural law’. Natural Law Doctrine is the idea that some laws come from God or higher reasoning whether they have been written down or not. State sovereignty State sovereignty refers to the power of a state to have control over its territory and its subject. It’s important for protecting human rights because it means someone whose rights are being abused can flee to a safe country for protection. Because it restricts the actions of neighbours and other concerned states, also allows human rights abuses to go unpunished within the boundaries of a state. Movement for the Abolition of Slavery Slavery is the state of being under the control of another person. Trade Unionism Trade unionism is the collective organisation of workers formed to protect the rights of individuals from the power exercised by employees. The benefits of trade unionism include: * Prevention of child labour * Prevention of forced labour * Fair treatment of workers ...
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...Sobel 3. Deep Kakkar 4. Maria Rutledge 5. Panna Patel Table Of Contents Table Of Contents 2 Gaining Familiarity 3 Stakeholders 4 Recognizing Symptoms 4 Controversy Analysis 5 Consequences To Controversy 5 Steps taken by McDonald’s to win customers’ trust 6 Identity and Relationship Based Issues 8 Conducting the SWOT Analysis 9 Strengths 9 Weaknesses 9 Opportunities 9 Threats 10 Challenges 10 Making the Diagnosis 11 Goals 11 Doing the Action Planning 13 Increasing Its Successes 14 Reducing Its Weaknesses 15 Tapping Into Its Weaknesses 16 Minimizing Its Threats 16 Conclusion 17 Alternatives 17 Correction to text 17 Appendix 18 Bibliography 32 Gaining Familiarity Some people might believe that India is a country with a single culture, but India is in fact comprised of more than five thousand different ethnic communities. “Each region and Sub-region in India has distinct food traditions and preferences…fast foods such as Samosa ,Bhel-puri, Chola bhatura, Pakoda, Aloo-bhurji,, Pav-bhaji, Dosa, and Sambar vada are popular among Indian consumers” (Dyson and others, 2004). In 1990, McDonald’s, Wendy’s and Burger King all announced that they were switching to vegetable oil to reduce the fat content in their fries. Previously, they cooked their fries in tallow, which is defined as “hard fat obtained from parts of the bodies of cattle, sheep or horses, and used in foodstuffs or to make...
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...Get the inside scoop on investment banking careers in the Asia Pacific region! Read this extended excerpt of the all-new Vault Career Guide to Investment Banking, Asia Pacific Edition and get the inside story on investment banking careers, including: • An inside look at corporate finance, sales & trading, research and other major functions at investment banks. • An oveview of equity and debt markets in the region • A discussion of industry trends and corporate culture in Asia Pacific • Days in the life of investment bankers in Asia Pacific This PDF is an excerpted version of the full 198-page guide To get the complete guide: • Purchase your own print or e-Book version of the guide. Go to www.Vault.com/Asia. • More than 900 universities and MBA programs worldwide subscribe to the Vault Online Library, providing more than 4.5 million students worldwide with access to Vault's guides and career information. Contact your career center today to ask about access to the Vault Online Career Library. ABOUT VAULT Founded in 1996, Vault is the leading global media company focused on careers. With offices in North America, Europe, India and Asia, Vault provides graduates and young professionals worldwide with insider information on careers and education through its award-winning web sites and career guides. CAR E E RS VAU LT CA R E E R G U I D E TO INVESTMENT BAN KING A S I A P A C I F I C E D I T I O N INVESTMENT BANKING JUNG B. LEE, TOM LOTT and the staff of vault ...
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...Get the inside scoop on investment banking careers in the Asia Pacific region! Read this extended excerpt of the all-new Vault Career Guide to Investment Banking, Asia Pacific Edition and get the inside story on investment banking careers, including: • An inside look at corporate finance, sales & trading, research and other major functions at investment banks. • An oveview of equity and debt markets in the region • A discussion of industry trends and corporate culture in Asia Pacific • Days in the life of investment bankers in Asia Pacific This PDF is an excerpted version of the full 198-page guide To get the complete guide: • Purchase your own print or e-Book version of the guide. Go to www.Vault.com/Asia. • More than 900 universities and MBA programs worldwide subscribe to the Vault Online Library, providing more than 4.5 million students worldwide with access to Vault's guides and career information. Contact your career center today to ask about access to the Vault Online Career Library. ABOUT VAULT Founded in 1996, Vault is the leading global media company focused on careers. With offices in North America, Europe, India and Asia, Vault provides graduates and young professionals worldwide with insider information on careers and education through its award-winning web sites and career guides. CAR E E RS VAU LT CA R E E R G U I D E TO INVESTMENT BAN KING A S I A P A C I F I C E D I T I O N INVESTMENT BANKING JUNG B. LEE, TOM LOTT ...
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...Get the inside scoop on investment banking careers in the Asia Pacific region! Read this extended excerpt of the all-new Vault Career Guide to Investment Banking, Asia Pacific Edition and get the inside story on investment banking careers, including: • An inside look at corporate finance, sales & trading, research and other major functions at investment banks. • An oveview of equity and debt markets in the region • A discussion of industry trends and corporate culture in Asia Pacific • Days in the life of investment bankers in Asia Pacific This PDF is an excerpted version of the full 198-page guide To get the complete guide: • Purchase your own print or e-Book version of the guide. Go to www.Vault.com/Asia. • More than 900 universities and MBA programs worldwide subscribe to the Vault Online Library, providing more than 4.5 million students worldwide with access to Vault's guides and career information. Contact your career center today to ask about access to the Vault Online Career Library. ABOUT VAULT Founded in 1996, Vault is the leading global media company focused on careers. With offices in North America, Europe, India and Asia, Vault provides graduates and young professionals worldwide with insider information on careers and education through its award-winning web sites and career guides. CAR E E RS VAU LT CA R E E R G U I D E TO INVESTMENT BAN KING A S I A P A C I F I C E D I T I O N INVESTMENT BANKING JUNG B. LEE, TOM LOTT and the staff of vault ...
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...CITY GOVERNMENT OF NAGA City Planning and Development Office Comprehensive Development Plan, 2011-20 RESOLUTION ADOPTING THE CDP Resolution No. 2011-___ “ADOPTING THE 10-YEAR COMPREHENSIVE DEVELOPMENT PLAN OF THE CITY OF NAGA” Whereas, the Comprehensive Development Plan (CDP) sets the city government’s strategic directions for the next 10 year action and details its priority sectoral and cross-sectoral programs and projects consistent with the vision for “Maogmang Naga”; Whereas, the formulation of the CDP involved the participation of various stakeholders in the community in its various stages, from visioning, situational analysis, and the development of policy responses and interventions to development challenges facing city; Whereas, the CDP represents the collective aspiration, needs and priorities of the local society and therefore enjoys broad-based support; Whereas, the CDP is the city government’s call to all its constituents, resource institutions and stakeholders, both in and out of Naga, to be its proactive partner in the city’s continuing progress and sustainable development; Now therefore, on motion duly seconded, be it Resolved, as it is hereby resolved, to adopt the Comprehensive Development Plan, 2011-20, of the City of Naga. ii FOREWORD Naga, the “Heart of Bicol” that aspires to become a happy place for its people, is at the crossroads. The fastest growing city in Bicolandia, it faces the internal challenge of maintaining high level of human...
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