Four successful careers for the hopeless romantic

Four successful careers for the hopeless romantic This is the time of year when people tend to have romance on the brain. Flowers! Jewelry commercials! Ads for upscale restaurants! If you’re a hopeless romantic, it’s kind of like the Super Bowl. But what if you want to turn those lovey-dovey feelings into a career, something you can build professionally? Believe it or not, there are options out there for you. 4 careers for people who love romance1. Wedding/special event photographerIf you have a knack with a camera, being a wedding photographer gives you a front-row seat to some of the happiest days of people’s lives. Everyone’s dressed up, people are (usually) on their best behavior, and your goal is to capture the romance for posterity. Plus, being a photographer has the advantage of being a flexible career, or side business, with many weddings and special events happening outside of standard business hours.What you’ll need: High-quality cameras and related equipment, plus training on how to use it. Courses on professional photography are highly recommended.What it pays: The median salary is $32,490 per year, per the U.S. Bureau of Labor Statistics.2. FloristFlorists and floral designers are usually the go-to retailers for romantic life events, with busy seasons around holidays like Valentine’s Day, Mother’s Day, etc. Floral designers are there for the good, the bad, and the celebratory, providing flowers and delivery to a range of customers.What you’ll need: Workers in a retail floral shop will need the basics (a high school degree and   customer service skills). If you’re looking to become a floral designer, you’ll likely need vocational courses and on-the-job training. Creativity and artistic flair are very helpful, as are good customer service skills to help your customers find the right way to say it with flowers.What it pays: The median salary for floral designers is $26,350 per the U.S. Bureau of Labor Statistics.3. Chocolatier/CandymakerIf you’re more interested in food service than flower service, you may want to consider becoming a chocolatier. This is not the most common path in food service, but what’s more romantic than high-quality chocolates to go with those flowers and gifts? Chocolatiers are artisans who create edible masterpieces, playing with flavors and structures to create the perfect bite.What you’ll need: To become a chocolatier, you’ll need a solid base in the culinary world, and may need to complete a pasty chef course. You’ll also need to meet your state’s licensing and food handling regulations, so be sure to check what your state requires.What it pays: The median salary for chocolatiers is $21,000 per year, but experienced pastry chefs can make more.4. Marriage counselorSometimes love needs a little help, and marriage counselors are licensed health care professionals who can help couples work on their relationships. This is not a job for the starry-eyed romantic who thinks all relationships are a romcom-ending away from happiness, but rather a practical career for someone who believes that therapy and hard work together can overcome challenges in love and life. Plus, health care careers are a very stable, practical bet for long-term career longevity.Marriage and family therapy in particular is a field that’s growing- the U.S. Bureau of Labor Statistics predicts that the number of jobs in this area will grow more than 23% by 2026.What you’ll need: Marriage and family therapists typically have a master’s degree or higher, plus complete an internship or residency. Licensing requirements may vary by state, so be sure to check your own state’s requirements.What it pays: The median salary for marriage and family therapists is $48,790, per the U.S. Bureau of Labor Statistics.If you love the very idea of love, there are ways to live that out in your professional life as well. Choosing a career that helps make other people happy can be a key to long-term career satisfaction. If you have the skills and the inclination to work in one of these service fields, you may find yourself with even more love to go around.

Livermorium Facts - Element 116 or Lv

Livermorium Facts - Element 116 or Lv Livermorium (Lv) is element 116 on the periodic table of the elements. Livermorium is a highly radioactive man-made element (not observed in nature). Heres a collection of interesting facts about element 116, as well as a look at its history, properties, and uses: Interesting Livermorium Facts Livermorium was first produced in July 19, 2000 by scientists working jointly at the Lawrence Livermore National Laboratory (USA) and Joint Institute for Nuclear Research (Dubna, Russia). At the Dubna facility, a single atom of livermorium-293 was observed from bombarding a curium-248 target with calcium-48 ions. The element 116 atom decayed into flerovium-289, via alpha decay.Researchers at Lawrence Livermore had announced synthesis of element 116 in 1999, by fusing krypton-86 and lead-208 nuclei to form ununoctium-293 (element 118), which decayed into livermorium-289. However, they retracted the discovery after no one (including themselves) was able to replicate the result. In fact, in 2002, the lab announced the discovery had been based on fabricated data attributed to the principal author, Victor Ninov.Element 116 was called eka-polonium, using Mendeleevs naming convention for unverified elements, or ununhexium (Uuh), using the IUPAC naming convention. Once a new elements synthes is is verified, the discoverers get the right to give it a name. The Dubna group wanted to name element 116 moscovium, after the Moscow Oblast, where Dubna is situated. The Lawrence Livermore team wanted the name livermorium (Lv), which recognizes Lawrence Livermore National Laboratory and Livermore, California, where it is located. The city is named, in turn, for American rancher Robert Livermore, so he indirectly got an element named after him. The IUPAC approved the name livermorium on May 23, 2012. Should researchers ever synthesize enough of element 116 to observe it, its likely livermorium would be a solid metal at room temperature. Based on its position on the periodic table, the element should display chemical properties similar to those of its homologous element, polonium. Some of these chemical properties are also shared by oxygen, sulfur, selenium, and tellurium. Based on its physical and atomic data, livermorium is expected to favor the 2 oxidation state, although some activity of the 4 oxidation state may occur. The 6 oxidation state is not expected to occur at all. Livermorium is expected to have a higher melting point than polonium, yet a lower boiling point. Livermorium is expected to have a higher density than polonium.Livermorium is near an island of nuclear stability, centered on copernicium (element 112) and flerovium (element 114). Elements within the island of stability decay almost exclusively via alpha decay. Livermorium lacks the neutrons to truly be on the island, yet its heavier isotopes decay more slowly than its lighter ones. The molecule livermorane (LvH2) would be the heaviest homolog of water. Livermorium Atomic Data Element Name/Symbol: Livermorium (Lv) Atomic Number: 116 Atomic Weight: [293] Discovery:  Joint Institute for Nuclear Research and Lawrence Livermore National Laboratory (2000) Electron Configuration:  [Rn] 5f14  6d10  7s2  7p4   or perhaps [Rn] 5f14  6d10  7s2 7p21/2  7p2  3/2, to reflect the 7p subshell split Element Group: p-block, group 16 (chalcogens) Element Period: period 7 Density: 12.9 g/cm3 (predicted) Oxidation States: probably -2, 2, 4 with the 2 oxidation state predicted to be most stable Ionization Energies: Ionization energies are predicted values: 1st:  723.6  kJ/mol2nd:  1331.5  kJ/mol3rd:  2846.3  kJ/mol Atomic Radius: 183 pm Covalent Radius: 162-166 pm (extrapolated) Isotopes: 4 isotopes are known, with mass number 290-293. Livermorium-293 has the longest half-life, which is approximately 60 milliseconds.   Melting Point:  637–780  K  Ã¢â‚¬â€¹(364–507  Ã‚ °C, ​687–944  Ã‚ °F) predicted Boiling Point:1035–1135  K ​(762–862  Ã‚ °C, ​1403–1583  Ã‚ °F) predicted Uses of Livermorium: At present, the only uses of livermorium are for scientific research. Livermorium Sources: Superheavy elements, such as element 116, are the result of nuclear fusion. If scientists succeed in forming even heavier elements, livermorium might be seen as a decay product. Toxicity: Livermorium presents a health hazard because of its extreme radioactivity. The element serves no known biological function in any organism. References Fricke, Burkhard (1975). Superheavy elements: a prediction of their chemical and physical properties. Recent Impact of Physics on Inorganic Chemistry. 21: 89–144.Hoffman, Darleane C.; Lee, Diana M.; Pershina, Valeria (2006). Transactinides and the future elements. In Morss; Edelstein, Norman M.; Fuger, Jean. The Chemistry of the Actinide and Transactinide Elements (3rd ed.). Dordrecht, The Netherlands: Springer ScienceBusiness Media.Oganessian, Yu. Ts.; Utyonkov; Lobanov; Abdullin; Polyakov; Shirokovsky; Tsyganov; Gulbekian; Bogomolov; Gikal; Mezentsev; Iliev; Subbotin; Sukhov; Ivanov; Buklanov; Subotic; Itkis; Moody; Wild; Stoyer; Stoyer; Lougheed; Laue; Karelin; Tatarinov (2000). Observation of the decay of  292116.  Physical Review C.  63:Oganessian, Yu. Ts.; Utyonkov, V.; Lobanov, Yu.; Abdullin, F.; Polyakov, A.; Shirokovsky, I.; Tsyganov, Yu.; Gulbekian, G.; Bogomolov, S.; Gikal, B. N.; et al. (2004). Measurements of cross sections and decay properties of the isotop es of elements 112, 114, and 116 produced in the fusion reactions  233,238U,  242Pu, and  248Cm48Ca.  Physical Review C.  70  (6).

Position paper Essay Example | Topics and Well Written Essays - 1250 words

Position paper - Essay Example This, in spite of the fact that for the greater majority, or about four billion people, and certainly for those living in most of the developed world, the economic systems in place have resulted in improving incomes and a good measure of financial prosperity. The impact of the economic collapse in the failed economies extend beyond incomes, and impact the very sustainability of their entire social fabrics. The strain on the social systems is evident in what Collier sees as poverty traps. There are the civil wars, for one, that are really more about young people wanting change in order to improve their financial lots in life. There are the circumstances thrust upon people due to their location in certain geographies, where countries have the bad luck of being located amidst a generally â€Å"bad† neighborhood. Even natural resources in large quantities, such as oil and minerals, are seen as poverty traps too, because they breed conflicts. Finally, a fourth poverty trap is wides pread corruption brought about by immature political systems and general bad governance structures. These are confluence factors that all heighten the forces that derail the bad luck countries on skid row, so to speak, and these act like powerful downward forces that prevent these countries from escaping a terminal vortex of misery. Externally the forces of globalization and the imposition of global free markets, instead of helping these countries move up, are actually driving them to poverty even more, because the effect of such forces is to funnel growth and development even farther away from the impoverished billion and toward the developed world, which has the infrastructure and the inertia, as well as the resources, to continue to benefit from the existing order, while the unlucky billion continue to wallow in a vortex of poverty. Collier asserts that there are no easy answers, and that solutions lie sometimes in armed interventions, as well as in the intervention and policing of powerful organizations such as the European Union in order to bring about lasting economic and democratic reforms to the impoverished. This paper takes the position that indeed, the problem for the bottom billion is one that is characterized by a high degree of complexity, and the solutions are there, but executed badly Collier; The Observer; Goodreads; Riedel 519). Part of the problem with execution is that there are few organizations with the clout and the wherewithal to enforce changes and to see through them in such a way as to effect lasting structural changes (Collier 1-13; The Observer; Goodreads; Riedel 519). Part of the problem of execution too is that the tools have so far been misunderstood, and used in a bad way, and again these issues go back to the general complex nature of the problem and the very massive resources and effort needed to be used in a sustained manner in order to make the proper changes to rescue the downtrodden billion. Moreover, the incentives for h elping the poorest of the poor are not apparent on the surface, because as it is those who are profiting from the global economic order are comfortably living without the participation of the poorest. These things take long-range planning and thinking, and the concerted effort and goodwill of those who are in the developed world. Apart from all this, the paper also makes the case for the economic viability of making everyone on the planet, including the bottom billion, ride the economic boat to prosperity. The poorest, when they

Monopolistic Competition Essay Example | Topics and Well Written Essays - 1000 words

Monopolistic Competition - Essay Example Figure 1 is illustrative for differentiating market structure and the chapters refer to the chapters in Mankiw (2007). Figure 1. Gregory Mankiw on four types of market structure Source: Mankiw (2007, p. 341) Mankiw (2007, p. 341) elaborated that there is no â€Å"magic number† that would allow us to determine what is â€Å"few† or â€Å"many† firms as reality is never as precise as theory. Samuelson and Nordhaus (2001, p. 168) had viewed monopolistic competition as â€Å"imperfect competition†. Further, they described the type of competition to be â€Å"very common† (Samuelson and Nordhaus 2001, p. 187). Earlier, Hunt (2000, p. 41) reported that the theory of monopolistic competition was developed by Edward Chamberlin in 1933 in which the latter complained that his theory was wrongly lumped with Joan Robinson’s theory of imperfect competition. In particular, Hunt (2000, p. ... In contrast, through product differentiation, a firm in a monopolistic competition has a portion of the market in which he has a monopoly. For instance, the pants industry has Levis and Wrangler, for example, and each brand has a set of customers loyal to the brand. For their respective loyal customers, each firm is a monopoly facing a specific demand curve. Varian (2005, p. 461) pointed out in a monopolistic competition, â€Å"each firm faces a downward-sloping demand curve for its product.† This is illustrated in Figure 2. Figure 2. Monopolistic Competition in the Short Run Source: Mankiw 2007, p. 369 A diagram similar to Figure 2 of the earlier page is in Depken (2006, p. 199) as well as in Taylor (2007, p. 293). In Figure 2 of the earlier page, it is clear that a monopolistic competitive firm maximizes profit where its marginal revenue equals marginal cost (Mankiw 2007, p. 369). However, as shown in Figure 2, this can lead to a loss or profit, depending on the costs curves confronting the firm (Mankiw 2007, p. 369). The left panel of Figure 2 in the immediately preceding page indicates a profit for the monopolistic competitive firm while the one on the right panel of Figure 2 indicates a loss. Meanwhile, it must be pointed out that a much earlier book, Eckert and Leftwich (1988, p. 212) had described a much more elastic demand curve for a monopolistic competition or a demand curve that is close to a horizontal straight line to reflect that demand can either significantly drop or increase with prices changes in a monopolistic competition. In other words, this means that the demand curve facing the competitively monopolistic firm in the short run is highly elastic. Subject to

Cultural Diversity Essay Example | Topics and Well Written Essays - 2000 words

Cultural Diversity - Essay Example As the discussion highlights  cultural diversity has both benefits and opportunities. Therefore, it can be said that there are different dimensions of cultural diversification. In order to deal with this cultural diversity and dimensions, it is necessary to manage the diverse workforce within the hospitality industry, which can lead to achieving the corporate goals. There are various theories on cultural diversity and for managing the cultural diversity. There are strategies and defined areas of policies that are adopted by hospitality firms.  From the paper it is clear that  the importance of cultural diversity within the hospitality industry it is essential to discuss aspects of the hospitality industry and cultural diversity with the help of researches. Therefore, following highlighted points, theories, and strategies will define the significance of cultural diversity within the hospitality industry.  In hospitality industry that can be known as the service industry becaus e it deals with different types of customers. It is a very vast industry, and it is a multi-billion dollar industry that provides maximum chances to maximize the profit for each organization working in this industry. Cultural diversity has a significant influence on the hospitality industry and its business. With the help of Berger & Huntington research, it can be said that the cultural diversity is beneficial for organizations in the long-term. It has been analyzed that the cultural diversity is highly important in the hospitality industry because it deals with global customers.

Agriculture co-operative societies

Agriculture co-operative societies Agriculture co-operative societies An agricultural cooperative, also known as a farmers co-op, is a cooperative where farmers pool their resources in certain areas of activity. A broad typology of agricultural cooperatives distinguishes between agricultural service cooperatives, which provide various services to their individually farming members, and agricultural production cooperatives, where production resources (land, machinery) are pooled and members farm jointly. Agricultural production cooperatives are relatively rare in the world, and known examples are limited to collective farms in former socialist countries and the kibbutzim in Israel. Worker cooperatives provide an example of production cooperatives outside agriculture. The default meaning of agricultural cooperative in English is usually an agricultural service cooperative, which is the numerically dominant form in the world. There are two primary types of agricultural service cooperatives, supply cooperative and marketing cooperative. Supply cooperatives supply their members with inputs for agricultural production, including seeds, fertilizers, fuel, and machinery services. Marketing cooperatives are established by farmers to undertake transformation, packaging, distribution, and marketing of farm products (both crop and livestock). Farmers also widely rely on credit cooperatives as a source of financing for both working capital and investments. Why farmers form cooperatives Cooperatives as a form of business organization are distinct from the more common investor-owned firms (IOFs). Both are organized as corporations, but IOFs pursue profit maximization objectives, whereas cooperatives strive to maximize the benefits they generate for their members (which usually involves zero-profit operation). Agricultural cooperatives are therefore created in situations where farmers cannot obtain essential services from IOFs (because the provision of these services is judged to be unprofitable by the IOFs), or when IOFs provide the services at disadvantageous terms to the farmers (i.e., the services are available, but the profit-motivated prices are too high for the farmers). The former situations are characterized in economic theory as market failure or missing services motive. The latter drive the creation of cooperatives as a competitive yardstick or as a means of allowing farmers to build countervailing market power to oppose the IOFs. The concept of competitive yardstick implies that farmers, faced with unsatisfactory performance by IOFs, may form a cooperative firm whose purpose is to force the IOFs, through competition, to improve their service to farmers. A practical motivation for the creation of agricultural cooperatives is sometimes described as overcoming the curse of smallness. A cooperative, being an association of a large number of small farmers, acts as a large business entity in the market, reaping the significant advantages of economies of scale that are not available to its members individually. Three typical examples are a machinery pool, a marketing cooperative, and a credit union. A family farm may be too small to justify the purchase of a tractor or another piece of farm machinery for its own use; a machinery pool is a cooperative that purchases the necessary equipment for the joint use of all its members as needed. A small farm does not always have the means of transportation necessary for delivering its produce to the market, or else the small volume of its production may put it in an unfavorable negotiating position with respect to intermediaries and wholesalers; a cooperative will act as an integrator, collecting t he output of its small members and delivering it in large aggregated quantities downstream through the marketing channels. A small farmer may be charged relatively high interest rates by commercial banks, which are mindful of high transaction costs on small loans, or may be refused credit altogether due to lack of collateral; a farmers credit union will be able to raise loan funds at advantageous rates from commercial banks because of its large associative size and will then distribute loans to its members on the strength of mutual or peer-pressure guarantees for repayment. An Integrated Automation Solution for Primary Agricultural Co-operative Societies (PACS) One of the major concerns in any developing economy is the efficacy of the rural financing systems that advances credit to its large population of rural poor. Such operations are plagued by small size of the loans, inadequate risk profiling of loanee, large volume of transactions, non-standardized operations, and difficulty in monitoring credit disbursal and collection. Nelitos MFin brings the benefit of computerization into the field of micro-finance that helps to achieve the following: Reduction in operational cost Standardization of operation Production of reports for statutory monitoring and transparent operations Reduce the risk of lending Transacting in cash and kind Prudent saving habits Easiness of installation Minimal training Mfin (Micro Finance) launched during 1996 has been accepted as both private and public sector banks are aggressively planning to tap the rural potentiality. Major Functional Modules Savings Bank Current Accounts Cash Credit Accounts Daily Deposit Accounts Term Deposits Recurring Deposits Term Loans Trading Membership Accounting Key features Graphical User Interface Modular Approach Parameterized set up Online Help GL Maintenance Investment Register Gold Loans (Agriculture General) Kisan Credit Card Loans in kinds and Repayment in kinds Loans Against Deposit TL for Agriculture Allied Activity Standing Orders and Lien Noting NPA Marking and Reports Reconciliation Membership Accounting Investment Register Reconciliation Inventory Control Purchase Register Sundry Creditors Dividend Calculation Register Stock Statement Trial Balance Trading Account Trial Balance Profit Loss Accounts General Ledger Balance Sheet Statement of Account Statutory Reporting Agriculture cooperatives Various development activities in agriculture, small industry marketing and processing, distribution and supplies are now carried on through co-operatives. the co-operatives in the State have made an all-round progress and their role in, and contribution to agricultural progress has particularly been significant. The schemes regarding the construction of godowns and the conversion of villages into model villages. The Co-operative Movement was introduced into India by the Government as the only method by which the farmers could overcome their burden of debt and keep them away from the clutches of the money-lenders. The Co-operative Credit Societies Act, 1904 was passed by the Government of India and rural credit societies were formed . Through the appointment of registrars and through vigorous propaganda, the Government attempted to popularize the Movement in the rural areas. Within a short period, the Government realized some of the shortcomings of the 1904 Act and, therefore, passed a more comprehensive Act, known as the Co-operative Societies Act of 1912. The primary agriculture credit societies The agricultural co-operative credit structure in the Punjab State is broadly divided into two sectors, one dealing with the short-terms and medium-terms finance and the other with the long-term credit. In the State, the short-term and medium-term credit structure is based on a three-tier system, i.e., the Apex Co-operative Bank at the State level, the Central Co-Coperative Bank at the district/tehsil level and the Primary Agricultural Credit Societies at the village level. The major objectives of the primary agricultural credit service societies are to supply agricultural credit to meet the requirements of funds for agricultural production, the distribution of essential consumer commodities, the provision of storage and marketing facilities. Owing to an increasing emphasis on the development of land and agriculture, long-term co-operative credit has assumed great importance. There is the Punjab State Land Mortgage Bank at the Apex and the Punjab Mortgage Bank at the district/tehsil level. At the operational level, there exists a primary co-operative to extend credit to the farmer. This unit epitomizes the vitality and service potential of the Co-operative Movement in India. The organization of these societies dates back to 1904, when the first Co-operative Societies Act was passed. These societies were started with the object of providing cheap credit to the agriculturists in order to free them from the clutches of the rapacious money-lenders. the agricultural primary credit society is the foundation-stone on which the whole co-operative edifice is built. The first Agricultural Credit Society in the Firozpur District was registered on 4 October 1911, at the Village of Khalchi Kadim in the Firozpur Tehsil. Originally, the movement was confined to the credit societies only and, thus, credit dominated till the partition (1947). After the partition, the Co-operative Movement began to spread to other field, viz labour, construction and farming. Agriculture non-credit societies While credit is and must remain for some time the chief concern of the Co-operative Movement relatively slow, since 1912, when the non-credit societies were brought officially under the aegis of the Movement. the World War II (1939-45) came as a God send boon with respect to the development of the Co-operative Movement. Prices of agricultural goods began to rise and touched new peaks. The repayment of loans was accelerated and deposits began to pour in. The number of societies also rose. Another interesting development in co-operative during the War wast the extension of the Movement to non-credit activities, viz. Agriculture co-operative marketing societies Marketing has occupied a far smaller place in the co-operative picture in India than in many countries, notably Denmark and the USA, but not other non-credit line of co-operation, with the possible exception of the consolidation of land holdings and joint farming enterprises, seems to hold greater possibilities of help to the agricultural population of India. The development of co-operative marketing in India is closely bound up with the problem of credit-the claims of the money-lenders commonly inhibiting the cultivators freedom of action in disposing of his crop. The full utilization of loans advanced depends upon the arrangements for the marketing of surplus produce. For this purpose, there the Punjab State Marketing Federation at the State Level, wholesale societies at the district level and marketing societies at the market level. These societies also provide other agricultural facilities and make arrangements for the supply of domestic items in the rural areas. At the State level, the Punjab State co-operative Supply and Marketing Federation (MARKFED) is playing an important role in building up an integrated structure for remunerative marketing and storing of agricultural produce. it has played an important role in hastening the Green Revolution in the State by arranging ready supplies of essential farm inputs needed by the cultivators. Co-operative farming societies The Royal Commission on Agriculture in 1928 observed that it co-operation failed, there would fail the hope of the Indian agriculturist. Co-operative farming is a compromise between collective farming and the peasant proprietorship and gives all merits of large-scale farming without abolishing private property. It implies an organization of the farmers on the basis of common efforts for common interests. Under this system, all landowners in a village form a co-operativesociety for tilling the land. The land is pooled, but each farmer retains the right of property. The produce is distributed by each. They are allowed to withdraw fromthe co-operative farm whenever they de3sire. In India, the exceedingly small size of holdings is perhaps the most serious defect in our agriculture. If agriculture has to be improved, the size of the holdings must be enlarged. Type of societies Co-operative Weavers society Co-operative Consumers Societies Co-operative Housing Societies Co-operative Womens Societies Co-operative Milk-Societies Challenges before co-operatives The IndianCo-operative Movement has earned distinction of being the largest in the world.This is true in terms of membership and Co-operative network which spread over almost all the villages in the country and the number of Co-operative Societies. In our country, there are about 5.5 lakhs of cooperative Societies with membership of more than 22crores. It covers a wide range of commercial activities and nearly 50% of them are engaged in agriculture and agriculture related matters. Nearly 70% of the Indian population beingdependant on agriculture, is thus, connected with agricultural Co-operatives. Co-operatives have covered 100% of villages and 67% of rural households. Co-operative sectorcontributes 50% of total agricultural credit and distributes 35% of total fertilizer consumption in the Country. They are procuring 60% of total sugar-cane. They are also playing crucial role in the agro-processing sector i.e. processing of sugar-cane, milk, cotton and oil seeds etc.Dairy Co-operativ es have excelled in their area of operation and have enabled India to attain top position in milk production in the world. Edible oil marketed through Co-operative channel is estimated at 50% and handloom Co-operatives account for 55% of the total out-put. But in spite of being largest movement in the world and strongest link, it faces number of challenges like lack of internal resources and poor mobilization of external resources, inadequate infrastructure, competitive tier structure, apathy of members towards management, lack of accountability increasing sickness, dormancy, low level professionalism, excessive government control, political interference, dominance of vested interest over the management, lack of human resources development, education and training.Despite all challenges, Co-operatives have to be sustainable over a period of time for which professionalism is a must. Co-operatives have been looking for Governmental help. But they have been paying of it like official domination and interference in their day-to-day working etc. Dr. Kuriyan, an eminent co-operator in the country said recently that the Co-operatives have undergone a crisis of identity being neither government nor private. He further said that Co-operatives n eed to be more efficient and competitive, but at the same time they cannot sacrifice the basictenets of co-operation. Inefficient Co-operatives will have to either pull up their socks or down their shutters. Co-operatives have many advantages in tackling problem poverty alleviation, employment generation and food security. They also have the potential to deliver goods and services in areas where both the State and Private sectors have failed. Over the past few years, steps like the enactment of mutually aided Co-operative Societies Act by some States and the Multi-State Co-operative Societies Act have been taken to give the Co-operative sector a boost. But I am aware that the Co-operatives registered under the Mutual Aided Act have certain constraints and deficiencies, which may be Lack of supervision and inspection by Registrar of Co-operative Societies resulting into financial misuse and disproportion institutional development. Government is hesitating to entrust any important government work since it does not have any participation. These Co-operatives are away from the mainstream. The Co-operative Banks and other important institutions are not prepared to admit them as members. NABARD and RBI are not agreeing for conversion of Central and Urban Co-operative Banks. R.B.I. has also objection about the use of word Co-operative since Banking Regulation Act uses the word Co-operative Society. Perhaps we are not prepared or educated or sensitized enough to work without control and supervision. Mischievous persons may take advantage of the situation to cheat the general public. When the Government are exploring the possibility of regulating the Non-governmental organizations having vast experience, it is doubtful as to whether the mutually aided Co-operatives in various field can give desired result. The circumstances and the situation give rise to the Co-operative Movement in the Country are still prevalent. The market is still not accessible to small and marginal farmers. Supply of agricultural credit is not adequate. About 50% of our rural and tribal household still have no facility for institutional credit. The Co-operatives are today at the cross road at their existence, particularly in view of the fast emerging economic liberalization and globalization. The Co-operatives still continued to function in a traditional way with poor governance and management, poor resource mobilization, outside interference, dependence on Government and lack of professionalization. The Co-operatives are neither member-driven nor functioned professionally in a transparent manner with accountability to members. In spite of all these, no doubt, the Co-operatives have contributed a lot to the agriculture development of the Country. We cannot afford to see that these institutions wither away. It nee ds reform. It is not-worthy to say that in the National Common Minimum Programme of present UPA Government it has been mentioned to bring constitutional amendment to ensure the democratic autonomous and professional functioning of Co-operatives. The constitutional amendment may limit itself with timely conduct of elections timely conduct of audit, uniform tenure of managing committee conduct of general body meetings right of a member for access to informations and the accountability of the management. In this context our strategies may be as follows. Co-operatives need be member-driven; stakeholders should have a command over its affairs and activities. There is need for more transparency, more of interaction and confidence -building measures. Aggressive marketing strategy be adopted for sensitizing members and general public about the service and quality rendered by the Co-operatives. Commitment to best service and pursuit for excellence should be the hallmark of Co-operative. Every society should adopt their customers or members charter and should meticulously adhere to this charter. Co-operative should compete with other players in prevailing market forces without any protectionist or discriminator approach. In respect of short-term, medium-term, long-term sector and Urban Bank sectors, restrictions have been stipulated by Reserve Bank of India, NABARD in respect of finance. These restrictions need be liberalized which would help Co-operative to optimize its lendable resources and provide finance to members. Strengthening information and database of Co-operatives if of utmost importance. MIS need be adopted by the process of computerization and inter-connectivity to provide best services to members and customers with anytime and anywhere service. Professionalization of management is one of the basic prerequisites of Co-operatives. Both the personnel as well as directors of committee of management should be exposed to regular training, interaction and orientation. Adoption of scientific planning for deployment of human resources on the principle of right man for the right post at right time would help Co-operatives to accelerate the pace of reforms. Human resources need be proactive. Motivation, recognition for good work and leadership be inculcated for augmenting productivity. Basic tenets corporate governance be adopted like fair play, transparency and accountability. The PACS, as the foundation of the Co-operative system are meeting the development needs of the farmers by providing credit, inputs and storage and processing and marketing facilities. The Co-operative federated at the district and State level constitutes the Co-operative system. But it is found that the Apex institutions have grown stronger whereas the primaries and in some cases, Central Co-operatives have gone weaker. The situation has to be changed and the primaries have to grow stronger. The business of the Primary Societies have to be diversified. Cooperative Credit in Agriculture Development (Role of agriculture co-operative societies in agriculture) Now-a-days credit serves as an elevator. It has been recognized as the life blood of all economic activities. Like all other producers,agriculturists also need credit. According to an old proverb, credit supports the farmers as the hangmans rope supports the hanged. This Statement is fully true in the context of Indian farmers. Thus, for stimulating the tempo of agricultural production, an adequate and timely credit is most essential. The Co-operative Societies Act, 1904 gave concretized shape for establishing primary co-operative societies to meet both the short and medium-term loan needs of farmers. The provision of these loans did not make any improvement and did not have any impact on the farmmers socio-economic status and consequently, they were head and ears indebt. In order to solve this problem and make the farmers free from the cruel clutches of money lenders, the idea of co-operative long-term credit institutions called Co-operative Agricultural and Rural Development Banks /Co-operative Gram Vikas Banks (earlier called Cooperative Land Development/Mortgage Banks) was mooted. Role of agriculture co-operative societies: An agricultural co-operative society which is authorised by its rules to borrow money may at any time, subject to the provisions of this section and with such consent of the Minister as is mentioned in this Act and whether the issue of debentures is or is not authorised, or is or is not forbidden by the rules of such society, issue debentures to any authorised lender for the purpose of securing to such lender the repayment, with or without interest, of any capital sum of money lent by such lender to such society before the issue of such debentures (whether before or after the passing of this Act) or intended to be so lent at or after such issue, or partly so lent and partly so intended to be lent. An issue of debentures shall not be made by an agricultural co-operative society under this section unless either the committee of such society has power under the rules of such society to borrow money and the amount to be borrowed on the security of such debentures is within such borrowing power or a resolution approving of the making of such issue has been passed by a special meeting of the shareholders of such society convened expressly for the purpose of considering and, if thought fit, passing such resolution. The following provisions shall apply to debentures issued by an agricultural co-operative society under this section, that is to say:— such debentures may be expressed to charge the money secured thereby in either or both of the following ways, that is to say, by way of fixed charge on any specified property (including uncalled capital) of such society or by way of floating charge on the assets, property, and undertaking (either with or without specified exceptions) for the time being and from time to time belonging to such society; such debentures may contain all or any such provisions for enforcing or making effective the security thereby afforded as are usually contained in debentures issued by a limited company; such debentures shall operate and have effect in accordance with the terms thereof so far as such terms are authorised by this Act. An issue of debentures made by an agricultural co-operative society under this section may consist either of a single debenture to secure the whole amount of the sum of money for the securing of which such issue is made or of a series of debentures for separate sums ranking pari passu and amounting in the aggregate to the full amount of the said sum of money, and in any event shall rank in priority to any issue of debentures subsequently made by such society under this section. An issue of debentures made by an agricultural co-operative society under this section may be accompanied and collaterally secured by a trust deed of the general character usual in respect of trust deeds entered into for similar purposes in relation to an issue of debentures or debenture stock by a limited company. Whenever an issue of debentures is made under this section by an agricultural co-operative society, the authorised lender to whom such debentures are issued shall, within twenty one days after the issue thereof, apply in the prescribed form and manner to the Minister for the registration of such issue in the register, and if such authorised lender fails so to apply for such registration every debenture comprised in such issue shall, upon the expiration of the s

Homeless Families in America Essay -- Homeless Families, 2015

There is not anything quite as satisfying as a good night’s rest before a busy day of school and dance team practice. It is Monday morning, when I crawl out of a comfortable bed of soft-cotton sheets and fuzzy throw blankets. My iHome alarm clock sounds a dreamy melody of ocean tides to wake me from a peaceful slumber. I step into slippers, put together a matching outfit, and grab the New York Times on my way into an all-you-can-eat dining hall. When I relax to a full tray of breakfast, I come upon an ad that makes me feel guilty about my standard of living. The advertisement is not in color, but the creative black font on the page gets my attention anyway with the words â€Å"For the first time in history†. I continue to read about devastation to humanity, and I immediately lose my appetite. Although an illustration takes up less than a tenth of the page, its powerful image draws me into the announcement. The featured collapsing â€Å"shelters† are real pictures mounted to an animated background of both urban and rural lands. These slums look rancid and polluted. I see shanties made of scrap metal and plastic. I see shacks made of old branches and mud. I am sure that certified building inspectors would never pass these â€Å"homes† with superior or even satisfactory ratings. Then I begin to doubt myself. Suddenly my breakfast doesn’t taste so appetizing. I am struck with guilt, so I feel a moral obligation to look into the efforts of Slam the Door on Poverty Housing! Curious about the issue, I research the housing project online. As I type away at my new laptop computer, mindlessly snacking and sipping bottled water, I can’t hold myself back from crying after seeing a horrific slideshow of people living in conditions unimaginable to me. The ... ...We will be judged by ‘I was hungry and you gave me to eat. I was naked and you clothed me. I was homeless and you took me in’†. It is my hope that many people take heart in this project. Like the advertisement in the newspaper exemplifies, the planet should not have masses of people living in such underdeveloped environments that they risk death to preventable diseases, have trouble finding ‘safe’ water and struggle to find a bite of food. Privileged families of the world are needed in conjunction with endorsers of the effort, like the United Nations, to effectively wipe out homelessness. With encouragement from the words of Millard Fuller, â€Å"many hearts and minds must go through a radical transformation. With God: all things truly are possible!† Works Cited World Habitat Day 2007. October 1, 2007. Slam the Door on Poverty Housing. http://www.slamthedoor.org