Impact Of Globalization On Nation States - 1186 Words

The phrase ‘nation state’ is often referred to as two quite separate terms. ‘State’ is known as an individual political community which has its own rules and regulations which makes them separate from other communities. A ‘nation’ is primarily known as a large body of people united by common descent, history, culture, or language, living in a particular state or area. Globalisation is the trend of money and businesses to grow past their own national market and reach other nation-state markets around the world. This ultimately connects nation-states and their markets to one another. There are said to be four related dimensions of globalisation in which all can have an impact on nation-states: economic, political, cultural, and technological. These four dimensions provide evidence that globalisation has had a significant impact on nation states. One impact that globalisation has on nation-states is on the economy. Globalisation effects the economy by the vast flow of capital into the nation-states, allowing certain states to become interdependent on specific goods. If this capital is to run out or become unavailable, then it will have an instant impact on the states using it, thus creating an economic crisis. The nation-states of today have a lot more trade now which can result in our economies becoming more interconnected. An example of this is the ‘subprime’ mortgage crisis in the USA. This was triggered by a great drop in home prices, which lead to mortgage misbehavioursShow MoreRelatedThe Impact Of Globalization On Citizenship For A Nation State1574 Words   |  7 PagesGlobalization is a phenomenon that is crucial and fundamental to the development of our world which also has an increasingly amount of influence that played an important role in the flow of migration and immigration of individuals seeking for better opportunities. As a result, it is a given that globalization will significantly impact the pr ocess of citizenship for a nation state. Thus, the objective of this paper is to demonstrate the way in which the influence of globalization upon citizenshipRead MoreImpact Of Globalization On The Nation State Within A Global Context2001 Words   |  9 Pagesexamine the impact that globalisation has on the nation-state within a global context. Next, it respectively study the political, economic and cultural influences caused by globalization over the nation-state.Robertson is one of the first sociologists to characterize globalization as the pressure of the world and the escalation of awareness of the world overall (Robertson,1992:8). Tailing him, there are a gathering of perspectives and research on the issue with respect to globalization. GlobalizationRead MoreImpact Of Globalization On The United States And Our Relations With Other Nations Essay2272 Words   |  10 PagesGlobalization is a process which involves the establishment of economic, cultural, and socio-economic rela tions between nations around the world. It is a concept that has fascinated me for quite some time because of it’s influence on topics such as; why one country gains while another loses, why certain people thrive while others diminish, how technology impacts human labor and workforce, etc. Specifically, I have always been drawn to the economic consequences of globalization and how they impactRead MoreAdvantages and Disadvantages of Global Integration1476 Words   |  6 PagesAND DISADVANTAGES Globalization is the process by which different societies, cultures, and regional economies integrate through a worldwide network of political ideas through transportation, communication, and trade. Generally, globalization has affected many nations in various ways; economically, politically, and socially. It is a term that refers to the fast integration and interdependence of various nations, which shapes the world affairs on a global level. Globalization has affected the productsRead MoreGlobalization And The Speed Of Globalization1726 Words   |  7 PagesThere has been acceleration in the speed of globalization in current years. Its scope has too widened past the realm of economies to involve the domains of cultural, political and social practices and norms. This powerful shove has been connected with far-reaching cost for economic well-being, political processes and social structures in countries across the world. The diverse parts of the entire world have actually become so co -dependent in so many respects that it is not possible any longer toRead MoreEffect Of Globalization On Neediness Essay1164 Words   |  5 Pages2000). In spite of the fact that the correct effect of globalization on neediness is exceptionally hard to evaluate, look into assessments demonstrate that destitution has expanded by 82 million, 14 million, and 8 million in sub-Saharan Africa, Europe and Central Asia, and Latin America and the Caribbean separately. Investigating this, globalization itself can t be considered in charge of the vast majority of the neediness in creating nations as different variables, for example, terrible administrationRead MoreImmigration And Globalization1734 Words   |  7 Pagesimmigration impact an individual’s likelihood to identify with a national identity, or a larger global identity? Does immigration, a component of globalization, impact one identity more than another? These questions are increasingly relevant with the well-documented rise of European nationalist parties, but there are still questions about whether these are empirically connected phenomena. Immigration, a facet of globalization, is widely discussed, as well as other impacts of globalization, confirmingRead MoreGlobalization : The Super Story1366 Words   |  6 PagesFriedman’s article, Globalization: The Super-Story, he defines globalization as the inexorable integration of markets, transportation systems, and communication systems to a degree never witnessed before. In simple terms, globalization is the process of international mingle that comes from the interchange of world views. Friedman is one of the key protagonists of the concept of globalization and defines this new system with a series of key words and three balances which make up the globalization system. FriedmanRead MoreGlobalization and International Finance, Questions and Answer1533 Words   |  7 Pages Q1. History of your topic (i.e. product, country(ies), article, etc)? Please explain in detail your topic selection. Globalization is defined as moving towards a world in which barriers to cross-border trade and investment are declining; distance is shrinking due to new advance in transportation and telecommunications technology, material culture is starting to look similar the world over; national economies are merging into an interdependent, integrated global economic system (Hill). The wordRead MoreThe Impacts of Globalization on Developing Countries Essays1365 Words   |  6 PagesGlobalization, love it or hate it, but you can’t escape it. Globalization may be regarded as beneficial from an economic and business point of view, but however cannot be perceived the ditto when examined from the social sciences and humanities side of it. Globalization can be argued as a tool for economic growth, advancement and prosperity through co-operation between the developed and developing countries. The pro-globalization critics argue that the benefits that globalization brings to developing

Lego Structure Free Essays

Structure is dependent on strategy. If an organization has vertical integration then they operate a functional structure, which gives efficiency through economies of scale. If an organization uses a diversification structure then there is a business unit structure which gives customer responsiveness. We will write a custom essay sample on Lego Structure or any similar topic only for you Order Now However, many firms have a hybrid structure; this type of structure balances efficiency and customer responsiveness. A company also can choose to outsource through a contract with another company for them to perform an activity along their value chain. Many companies choose to outsource work which is not vital to their core in order to take advantage of cheap labor, there is a trade-off between cost and quality. LOGO has a functional structure as it is split into sectors such as markets products, global supply chain community, education direct. Under each of these functions are executives for each product and regional area, which proves for an effective centralized communication structure. Since its creation LOGO has been privately owned by the Kirk Christiansen family. The Corporate management of LOGO consists of the CEO, SCOFF amp; 4 executive Vice Presidents who each have their own business area. Previously, to develop stronger leaders with skills to take groups into new areas managers were moved around rapidly. After 6-12 months in one position, managers were rotated or replaced by someone who could do better. The reasoning for this was general leadership experience was considered more valuable than specialized direct experience with LOGO toys. Also during this period (1999 – 2004) senior management consolidated 25 country-level sales companies into 5 regional entities. In late 2003, LOGO was facing a dire situation and changes were required. Ploughman (CEO) and 4/14 person management team were asked to leave the company by the Christiansen family. 517 senior manufacturing executives were fired due to differing views on what direction LOGO needed to take to become successful again. New CEO, Inductors also decided to change the management team policies. LOGO has become focused on specializing their managers to make them the best they could possibly be. Managers have stayed in the same position for the last few years and are focused on upgrading their capabilities and becoming more strategic as they truly understand their roles and business areas. LOGO has been focused on having a family like atmosphere and an approachable CEO to encourage owner/CEO relations, strong alignment with their brand vision, celebrating loyal employees and a willingness to give your best. To create an environment for employees to thrive, LOGO had their management emphasize collaboration between different departments and create opportunities for people to meet other employees through inter-department meetings. In the early sass, many of the LOGO groups competitors outsourced their manufacturing to the Far East due to the cheaper costs. LOGO kept their manufacturing processes in-house as their strategy is highly focused on quality to maintain their brand reputation upheld since 1932. The mentality of keeping expansions in-house was to protect the LOGO brand, and that only LOGO sufficiently knows their brand and the expression of it could therefore not be outsourced. LOGO later decided to outsource to Flatirons, an electronics manufacturing service Flatirons and move production back in-house as manufacturing is core to LOGO. Flatirons was too different from LOGO and their inventory accuracy fell, McCollum betimes shortened because of lower maintenance levels and in some cases purchasing costs rose instead of falling. LEO now mainly outsource where they lack the in-house capabilities like LOGO NOMINATORS electronics. Overall, LOGO has made appropriate changes to better match their structure to their strategy by having experienced managers in specialized roles with specific knowledge and experience of LOGO products. Their functional structure has allowed LOGO to continue with their efficiency required for their innovative build, differentiation strategy. How to cite Lego Structure, Papers

The Role of Social Media in Recruitment

Introduction Human resource management is the practice within organizations that deals with people, that is, the work force within an organization. It is responsible for such tasks involving recruitment of employees, ensuring employee welfare, promotion criteria, employee sanctioning and rewarding, communication among employees, among other functions that revolve around employees.Advertising We will write a custom report sample on The Role of Social Media in Recruitment specifically for you for only $16.05 $11/page Learn More All these functions are geared towards providing a conducive environment for maximum employee performance. The human resource department policies, if well and effectively applied, will lead to effective and productive contribution of the employees to the overall mandate and goals of the organization. Social Networking This is an online site, whose primary purpose is to build social relationships and networks of people from all walks of life. Some are general sites where people can express varied opinions over varied issues like politics, finance, social life, over about anything. Some are more specific and cover narrower topics like issues to do with love and romance. Most of these sites are web-based and the users need the access of theinternet in order to access them. Users are able to share ideas, activities and interests within their networks. Examples of social networks include: Facebook, twitter, Google+, badoo, blogster, buzznet, cafemom, classmates.com, diaspora*, Flickr, Friendster, hi5, to name just a few. The Dilemma of Social Networks in the Work Place The 21st century has seen an aggressive use of the internet, with the streaming line of social networks. Face book for instance boasts over 400 million users in the world and twitter over 60 million. These networks can be quite interesting and entertaining to many users as they allow one to make friends, view their profiles, establish relationships a nd above all, share gossip. This rise in the popularity of social networks has jeopardized the human resource department in most organizations, with the managers caught between punishing the employees who use office resources for these networks, and the danger of interfering with employee privacy motivation. Huczynski and Buchanan (2010) say that another dilemma that the managers face is employee motivation. Studies have shown that when employees are left to work freely with minimum supervision, given the freedom to vent their inner emotions and feelings, their morale is boosted and productivity is raised. Such networks are seen to be points of releasing this tension among the employees and breaking monotony in the work place.Advertising Looking for report on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More If they get sanctioned therefore, for accessing these networks, there is high probability that they will harbor resen tment towards theirsupervisors and the management in general, and are likely to engage in more anti-social activities as a way of breaking boredom, and this may negatively affect the operation of the organization. At the same time, these networks are addictive. Some people cannot just get out once they are in, most cannot concentrate on other issues, and they waste resources. How for instance can an accountant concentrate on doing the math if his mind is on more interesting gossip, or a customer care worker handle clients when his mind is elsewhere. Following these, it is therefore necessary that organizations develop sound and practical policies regarding the use of social networks among employees, which balance these two extremes to ensure that the organization productivity improves, at the same time that employees are well motivated to do their work. The Role of Social Media in Recruitment More and more employers log in to social networks in an effort to secretly study the person ality and lifestyle of potential employees. This information isused by the employers to analyze the potential employer, and deduce how the potential candidate can impact on the organization, positively or negatively. Some employers deny the candidate work if they feel that his profile individual is wanting, for instance if he posts derogatory comments orobscene pictures.Some go to the extent of discriminating against religion and marital status. Questions on whether this isethically correct or not, are neutralized by the fact that the users create profiles that are free for anyone to view, so the managers argue that they are not actually breaking any privacy law, as access is not denied or restricted anyway. The disclaimer however, is that employers should bear in mind that most stories on these sites are not entirely true. Most people take advantage of the cover of anonymity to make create a personality that is not necessarily reflective of their true identity.Therefore, they shoul d not entirely rely on these profiles forassessment of the employee. However, they can help give a limelight of the employee’s personality.Advertising We will write a custom report sample on The Role of Social Media in Recruitment specifically for you for only $16.05 $11/page Learn More Advantages of Using Social Networks at the Work Place Social networks such as Facebook and LinkedIn can be used professionally, like to connect with others in your field of work and share experience or solve a problem related to work. Employees in the same industry could be friends or former classmates, and through these sites, they could share a lot including encouraging each other to further their studies. At the same time, these sites contain news on various industries that once you â€Å"like† the page, you can receive recent news and updates on the goings-on in the industry. This way, the employee is able to follow on relevant news of what is going on in line with his work. Employers should take note of these positive effects and put measures in place that can tolerate the employee access to this information These sites can be used to polish one’s image.For instance, if one posts positive and constructive comments, he/she is able to gain respect from among the network. If the comments are work related, they can also polish the company’s image as well. This way, the employee sells the company name to the public, and his polished image boosts his business transactions, as many from the network will be willing to listen to his advice, for instance, on product and services as a marketing strategy.This can help one advance his career. If one can strictly monitor oneself on the amount of time spent on these sites in line with the company policy, it can only work to enhance their performance by acting as a morale booster. Positive comments from friends in these networks can lighten up damp moods, consolation as well over s ome loss or disappointment, birth day wishes and even simple greetings or a â€Å"like† on your comment can go a long way to put a smile on your face. This can push one through the pressure at work, so long as work does not get compromised. It is a natural desire for one to want to know what is happening around them, in one’s town, country and even the world at large. This can inform an employee’s decisions, and give them something to think or talk about apart from work. Social networks can provide this necessary information, instead of one having to tune on the radio or TV at the end of the day to get updated.This way, theemployee stays connected with the rest of the world, and understands his environment more and is informed of any precautionary measures he may need to take, to make him feel secure and relaxed to work Tyson (2006) says that the fact that your employer trusts you as the employee with the freedom to access the social sites at any time at the sam e time trusting that you will do and accomplish your work effectively goes a long way to boost the employee’s confidence in the employer, and leaves you with the responsibility of not failing this trust and wanting to make the employer trust you more.Advertising Looking for report on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More It creates a more cordial relationship between the two, a key ingredient in employer-employee cooperation leading to better performance. Through these sites, companies can chat with their customers and clients. This can improve the relationships between the two, bringing it down from an overly casual attitude to a more friendly and flexible relationship.They can discuss about their products and services and positive feedback will help the companies improve. The customers also become freer with the companies, encouraging business transactions. This can therefore be a good medium for marketing and building Public Relations. Disadvantages of Using Social Networks in the Work Place Chatting, especially, on personal non-work related issues only serves to waste the employee’s work time. Studies show that average users of sites like face book spend up to 56 minutes of their work time on social sites, and this number can go up for users using mobile internet like mobile phones. This therefore wastes time as a resource for the company. Employees accessing these sites during work time are often stealing the time; therefore, their attention is divided between chatting and work. This is a big risk as they are likely to make errors and mistakes that can cost them or the company a great deal. This compromises the productivity of the employee and the company’s goals are not met. Sinrod (2007) says that another problem of using these networks in the work place in the risk that the company software is exposed to. The company software gets exposed to viruses and spyware, this can lead to loss or corruption of important data, and recovery can be an unnecessary added cost. Productivity levels go down. The Impact of Negative Comments Kiser (2011) says that employee posts can negatively impact on the image of the company. Such comments as badmouthing the supervisors, fellow employees, commenting negatively on the company products, will reduce consumer confidence towar ds the company, loss of clients and scare away potential clients. Comments that reveal the company’s secrets to the public can make the company lose on competition with other companies as they are able to sabotage this information and use it to their advantage. If for instance an employee reveals who their major clients are, other competing companies can use incentives to lure these clients to their companies. The same with a company’s plans like expansion, new products and enumeration. If this information falls on the hands of competing companies, they are likely to use it to their advantage. Some comments posted on these sites can pose legal risks and can destroy the reputation of a company, however jokingly the intention might have been.For instance a post that the employees have gone two months without pay can raise legal questions, industrial actions. The company may be regarded as insensitive to its employees, and many might not want to work in the company. Deali ng With Negative Comments In dealing with the problem of negative comment and its impact in employees, most companies are coming up with policies to curb this. This is one of the best ways for a company to protect itself from the effects of social network; having a clearly defined online social media policy. The policy should give clear specifications on who is allowed to speak for the company, so that any other employee who comments anything about the company is outlawed and does it illegally and is subject to sanctions. This will also safeguard confidential information from leaking to undesirable environment. Depending on specific policies in various companies regarding the use of social networks, some employers fire the offending employees while some take upon them disciplinary actions, like paying damages to the company, demotion or suspension. The policies can outline which social sites employees can access, probably those with the least potential harm to the company like Linke dIn than Facebook. This way, they give the employees access to the sites but in a controlled way, to limit potential harm. The policies should be clearly communicated to the employees, make them understand what is and is not permitted regarding the access of the sites, and explain your reasons for the restrictions and spell out the penalties in cases of breach. Conclusion The issue of social networks in the work place is a complicated one that needs careful address by both the human resource managers and the employees. Neither party can solely tackle the issue; it needs the effort of the two parties. The managers need to come up with policies that offer a balanced approach, one that will ensure that the workers enjoy their privacy and some form of out-of-work attention/recreation, at the same time, ensuring that work gets done, and done efficiently. The employee on the other hand is tasked with the responsibility of living up to the company goals and objectives, and should ensure th at his personal needs are well regulated so as not to interfere with his work. Whichever policy chosen, the management should as much as possible avoid coercive measures. These kill employee morale, and sneaking on the manager to steal time for chatting will increase, worsening employee-employer relationship and productivity. Reference List Huczynski, A and Buchanan, D., 2010. Organizational Behavior. Harlow, Essex: Pearson Education Ltd, FT Prentice Hall. Kiser, P., 2011. 5 Reasons Why Ignoring Negative Social Media is a  Career Ender: Social Media Today. Web. Sinrod, E.J., 2007. Can Social Networking Co-exist With the Work  Place? CNET NEWS Corporate and Legal. Web. Tyson, S., 2006. Essentials of Human Resource Management. Oxford: Butterworth- Heinemann. This report on The Role of Social Media in Recruitment was written and submitted by user Asia H. to help you with your own studies. You are free to use it for research and reference purposes in order to write your own paper; however, you must cite it accordingly. You can donate your paper here.

Mortgage in Saudi Arabia

Mortgage in Saudi Arabia In contemporary Saudi Arabian economy, demand for residential housing is on the rise; according to a Saudi Arabia Housing Sector Outlook, the economy’s demand for new housing is expected to grow at a rate of 18% per annum during the period of 2010 to 2013.Advertising We will write a custom assessment sample on Mortgage in Saudi Arabia specifically for you for only $16.05 $11/page Learn More The report further clarifies that by 2015, the country is in need of 1.65 million new residential units. With the hiked demand for housing, the mortgage industry has grown drastically: banking and financial institutions are tapping these markets and developing effective means to mitigate losses as a result. Demand for housing has grown due to an increasing youthful population that is setting small families at younger age; the country has a high population growth rate having doubled for the last forty years to 28.7 million, all these people have lead to the growth o f the housing industry (Saudi Arabia Economic Statistics and Indicators). This paper discusses the countries mortgage business trends. Borrowers risk and residential mortgage lending Residential mortgage lending means housing financing of homes; this is where a borrower takes a loan facility in the form of a mortgage to buy or construct a house to live in. The main difference that the facility has with commercial leading is that the bought house is expected to be the living premises of the borrower and not rented out for business purposes. The sector is the fastest growing in Saudi Arabia where young people are looking for homes to buy, or be financed to be build one. With the rise in demand of residential mortgage lending, and the need to make them affordable and protect the lenders, Shura Council has developed some lending policies. An amendment was passed in April 2011, where the countries housing authority was upgraded to a full ministry and expected to use $67 billion to build 500,000 homes; the ministry is expected to have a budget of $4 billion. In Islamic banking, of which are the majority in Saudi Arabia, residential mortgage lending follows regulations of SAMA; it happens that the lender engages into a contract by a third party, buys the house and rents the house to the customer. The amount of rent will have an element that goes to the bank as a gain from investment what is the financial benefit to the bank and another amount that goes to the principal amount.Advertising Looking for assessment on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More When lending banks and other financial institutions under the regulations of SAMA have a structure that works as the contract between the lender and the borrower; the contract is made with the prevailing condition at the time of lending taken to task; however, the situation may change creating some difficulty in the honor of the payment agr eement. Any change or chances of a change that might result to strained payment or default is called borrows risk. Borrows risk can thus be defined as the chances at which a borrower will default (willingly and unwillingly) paying the loan (Raymond, Ying-Foon and Ming 5-32). Factors you think are relevant in determining borrower’s risk When offering loans, a bank has to gauge the chances of success of the loan; the same happens with mortgage financing; the following are the factors that need to be considered: Borrowers Information When evaluating a borrower financing institutions/lenders considers the current and historical information of the lender, SAMA maintains a credit, history software were lenders are supposed to run the information of the borrower with the system and the history of the borrower will be offered. A high relationship exists between a person who have defaulted in the past and the chances that they are likely to default in the future. Those people who ha ve had a history of defaulting are given the facilities with more restricted terms or denied all together. Other than the government records, in case someone is an employee, the reputation of the company he is serving should also be looked into, there should be a letter signed by the employer guarantee the loan facility (Sfakianakis and Banque). Property Information When offering a facility, the property that is being mortgaged will be the subject of the contract; the lender values the property and determines the amount of money he is going to offer the property.Advertising We will write a custom assessment sample on Mortgage in Saudi Arabia specifically for you for only $16.05 $11/page Learn More The main concern here is that there should be value for money, properties should not be over or undervalued. When looking at the value, there should be respect to local government and ministry of land instructions regarding the amount that the property should co st. The contract should ensure that there is mutual benefit on among the two. Loan information Depending with the facility that a financier is offering, the nature will take different forms; loans are made with different packages to meet the demands of different categories of people. With increase in competition in the industry, every company is looking for the best ways it can sell to the larger community; on the other hand, the government through housing authority is seeking to improve the affordability of the facilities; it also ensures that businesspersons do not take advantage of the situation. When lenders are gauging the potential of a borrower, they consider what the borrow can afford, they put into consideration other loans that he might be financing, his living standards, his responsibilities and try to determine the amount that can be committed to the mortgage. This assists in ensuring that when someone id financing a facility, he is not pushed to the wall that he can d ecide to default payments. It is also SAMA rules that someone should commit his income to financing of loans only to a certain percentage. Side incomes are also considered (Zainab). Relationship between the three types of borrower’s risk and residential mortgage lending The above risks have interrelations and connections; when one area is overlooked, then it is likely to be the weak point of the whole process. In case the lenders observes that the prospective borrow has the potential and have good credit history, as it is required by borrowers information, then goes ahead to advance a facility without looking into loan information of the borer, then the borrow is likely to default paying the loan because he has been constraint by financial budget.Advertising Looking for assessment on business economics? Let's see if we can help you! Get your first paper with 15% OFF Learn More On the other hand, loan information and property information are found to be okay but the lender overlooks borrower’s information; it is risking chances that the borrower has just made things look better but he is a defaulter. All the risk analysis tools through seeking information should be considered before advancing a loan facility to a borrower (SAMA). Global financial crisis and Saudi Arabia’s Real Estate sector According to Saudi Arabia’s commercial Real Estate sector report for the third quarter in 2010, the effect of global financial crisis was more felt in real estate’s industry than it was felt by the entire economy; the sector of the economy has been responsible for the growth of mortgage industry. The economy faced a reduction in business in the real estate of up to 10% where rental and the value of housing reduced accordingly. Global crisis brought about a contraction in lending rates in banks thus the demand for real estate’s also wen t down. People could hardly have enough money to demand for homes. In 2010, the situation seemed to have taken a different route while the government focused on a boost in the industry other than the traditional oil industry (Gulf base). Recommendations The growing population of Saudi Arabia and improved living conditions in the country is offering an opportunity for residential mortgage business; however, some measures that should be enacted by lenders to ensure they benefit from the opportunity, they include: Although Saudi Arabia is more of a capitalist nation, lenders should ensure they do not overprice their mortgages since there is high demand for the youths. Demand is higher than supply and according to law of demand, the prices should increase, as much as this is true, lenders should go ahead further and consider value for money. They should not overprice and take advantage of the high demand. Learning from experience is important since the failure of the United States mortg age industry in 2007 was because of unjustified increases in mortgage prices. I would recommend my bank to consider the borrower and value for money; this will lead to continued flow of customers. The next important factor that the bank should look into is the historical background of the borrower, the credibility of the borrower should be proved beyond doubtful doubts. In case of a red flag, the company should hold back and analyze the situation. To be sure, of credibility, third parties like employers, other bank’s statements, spouse consents, and utility bills holders should be consulted. With globalization, I would develop flexible mortgages facilities that allows for restructuring of loans; however, it should be in accordance to SAMA regulations. Gulf base.  Kingdom Of Saudi Arabia. GCC Stock Market, 2010. Web. Raymond, Chiang, Ying-Foon Chow, and Ming Liu. Residential Mortgage Lending and Borrower Risk: The Relationship between Mortgage Spreads and Individual Charact eristics. The Journal of Real Estate Finance and Economics 25.1 (2002): 5-32. Print. SAMA. Saudi Arabian Monetary Agency. Saudi Arabian Monetary Agency, 2010. Web. Saudi Arabia Economic Statistics and Indicators. Economy Watch. 2010. Web. Sfakianakis, John, and Banque Fransi. Saudi Arabia Economics. Web. Zainab, Fattah. Saudi Arabia’s Mortgage Law Advances Amid Mideast Unrest. 2011. Web.

How to Write a Science Fair Project Report

How to Write a Science Fair Project Report Writing a science fair project report may seem like a challenging task, but it is not as difficult as it first appears. This is a format that you may use to write a science project report. If your project included animals, humans, hazardous materials, or regulated substances, you can attach an appendix that describes any special activities your project required. Also, some reports may benefit from additional sections, such as abstracts and bibliographies. You may find it helpful to fill out the science fair lab report template to prepare your report. Important: Some science fairs have guidelines put forth by the science fair committee or an instructor. If your science fair has these guidelines, be sure to follow them. Title:  For a science fair, you probably want a catchy, clever title. Otherwise, try to make it an accurate description of the project. For example, I could entitle a project, Determining Minimum NaCl Concentration That Can Be Tasted in Water.  Avoid unnecessary words, while covering the essential purpose of the project. Whatever title you come up with, get it critiqued by friends, family, or teachers.Introduction and Purpose:  Sometimes this section is called background. Whatever its name, this section introduces the topic of the project, notes any information already available, explains why you are interested in the project, and states the purpose of the project. If you are going to state references in your report, this is where most of the citations are likely to be, with the actual references listed at the end of the entire report in the form of a bibliography or reference section.The Hypothesis or Question:  Explicitly state your hypothesis or question.Materials and Meth ods:  List the materials you used in your project and describe the procedure that you used to perform the project. If you have a photo or diagram of your project, this is a good place to include it. Data and Results:  Data and results are not the same things. Some reports will require that they be in separate sections, so make sure you understand the difference between the concepts. Data refers to the actual numbers or other information you obtained in your project. Data can be presented in tables or charts, if appropriate. The results section is where the data is manipulated or the hypothesis is tested. Sometimes this analysis will yield tables, graphs, or charts, too. For example, a table listing the minimum concentration of salt that I can taste in water, with each line in the table being a separate test or trial, would be data. If I average the data or perform a statistical test of a null hypothesis, the information would be the results of the project.Conclusion:  The conclusion focuses on the hypothesis or  question as it compares to the data and results. What was the answer to the question? Was the hypothesis supported (keep in mind a hypothesis cannot be proved, onl y disproved)? What did you find out from the experiment? Answer these questions first. Then, depending on your answers, you may wish to explain the ways in which the project might be improved or introduce new questions that have come up as a result of the project. This section is judged not only by what you were able to conclude  but also by your recognition of areas where you could not draw valid conclusions based on your data. Appearances Matter Neatness counts, spelling counts, grammar counts. Take the time to make the report look nice. Pay attention to margins, avoid fonts that are difficult to read or are too small or too large, use clean paper, and make print the report cleanly on as good a printer or copier as you can.

Upcoming Technologies within the healthcare Industry Research Paper

Upcoming Technologies within the healthcare Industry - Research Paper Example In the present world technology plays a vital role in our personal lives as well as in every industry. Health care is definitely one of the most crucial industries among them. The improvement of technology is required for saving countless lives all around the world. It is such kind of big field where innovation is required at each and every step. There are so many areas in the health care industry where improvement is required. Information technology, pharmaceuticals, bio technology etc are the most important areas among them. Development of equipment and medical devices are also required for improving the health of people. From the small innovation [like innovation of ankle braces or adhesive bandages] to large innovation [like innovation of MIR machines, Scan machines, artificial organs etc] all are required to felt an impact on the health care industry. Research objectives will help to clarify the research project and give some specific goals to the researchers to achieve the desired level of outcomes. This helps to define the focus on the research topic, indicate various steps which are involved in the research and establish the limit of the research or avoid collection of data which are unnecessary. There are so many objectives in case of improvement of technologies in the health care field. These are as follows: Improvement of technologies will also reduce the burden of more manpower resources. The productivity will increase by decreasing labor intensive work forces especially in this industry (Carlsson, 2002). It will also help to reduce the processing time. Without the technologies people have to wait long time for getting admission inside of a hospital. The testing procedure also was time consuming before applying the improved technological tools. Technology can solve the problem for waiting a long time before starting a treatment. Mobility can be stated as another objective of this research which will help to reduce the waiting time of

Bob Beall at the Cystic Fibrosis Foundation c Case Study

Bob Beall at the Cystic Fibrosis Foundation - Case Study Example It is an orphan disease means that it is hard for it to get funding for research on the area. This means that Cystic Fibrosis Foundation had to suffer issues with funding. Because Cystic Fibrosis Foundation is a rare and also a genetic disease makes it hard for research on the disease to be done as smoothly as other non-genetic and maintain diseases. The kind of leadership that Bob Beall displayed was the democratic leadership. It is very clear that he uses democratic leadership. In the case study, it has been identified that he never pressured his researchers to deliver the result. His favorite quote was â€Å"no pressure† which means that he always believed that his researchers did not have to be pushed or micromanaged to be able to perform better. However, this did not mean that he did not have compassion for the patients who needed to have a working medication as soon as possible. His passion to start working for the Cystic Fibrosis Foundation is enough proof that he was determined to develop a solution for this issue that was affecting so many lives, especially the young ones. One of the major advantages of this kind of leadership is that it allows innovation. In the long term, this is good for such an organization that is focused on research to develop a solution that has not been developed in the past. Democratic leadership has the advantage of the fact that the subordinates are allowed to be in control of their work. This increases motivation as people are naturally happy with autonomy and are not happy when they are being micromanaged. In such an environment where people with such specialized and expert-level skills as the kind people who were doing research at Cystic Fibrosis Foundation, it is necessary to give them freedom since this kind of research requires them to be creative and do not operate under a structured environment. This allows them to explore all the possibilities and allows them to be flexible in what they do, thus  raising the chance of successes.