Sunday, May 24, 2020

The Impact Bullying as on Our Children - 572 Words

Bullying has been finally pointed out and many voices have been heard. Growing up before in the 70s, 80s, and early 90s the term bullying was not recognized or it was ignored. In today’s social living bullying is not tolerated anywhere. The cause and effect are extreme. We have to see the warning signs, of change in moods, bad behaviors, or no signs at all. Bullying is a bad behavior were others are mistreated and are injured physically or mentally. It does not only happen in young children but also in young adults and adults. A child is defenseless when innocent and when they’re not exposed to bad behavior. One of the reasons of others bullying is a low self-esteem. This behavior usually comes from a bad environment during this person younger age. This person was mostly likely neglected and reprimanded the wrong way. Many people bully to get attention not only from their parents, but also their friends. Children become so afraid at times they wont even want to go to sc hool. In many homes parents fail to see the warning signs leading children to become a bully or be a victim of being bullied. Feeling bullied must feel horrible especially if do not know how to stand up for yourself. The effect of being bullied or being the bully can be an outcome for the worst. Some have taken their lives because they could not take it anymore. The depression becomes so intense. Also having your school or friends think the worst of you can be unbearable. We see it on the news veryShow MoreRelatedCyberbullying: The New Form Of Bullying. When Sending Our1661 Words   |  7 PagesCyberbullying: The New Form of Bullying When sending our children to school we expect them to be able to learn without distractions, but bullying makes that impossible. Bullying has been recognized as a problem for school children globally. In fact, school bullying has proven to be a risk factor for suicide, which has been identified as one of the top causes of death among teens (Erick Messias, 2014). Now that bullying and its importance has been acknowledged as a critical concern, several preventionRead MoreBullying Is The Rise Across The Nation1636 Words   |  7 PagesBullying is on the rise across the nation. According to the National Center for Educational Statistics, 30 percent of students of students were bullied during the 2010-2011 school year. Whether verbal or physical, bullying has a negative effect on the victims. Students who are bullied often experience depression, loneliness, anxiety, and isolation. The common types of bullying in a school setting are physical and verbal. With the rise in the use of social media, cyberbullying has become a big problemRead MoreBullying Essay631 Words   |  3 PagesEssay BULLYING IS TAKING OUR CHILDREN LIVES Have you ever bullied or been bullied? Bullying behavior can occur for many reasons, some of which are TV violence, families in poverty, mis-teachings, lack of parent’s attention and also kids under bad influence. Teens often begin bullying because they want to control those who are weaker than they are. Bullying gives you people an identity, they become well known in school, they want to be popular no matter what is the reason for. Bullying makes themRead MoreMy Worst Year By Ellen Degeneres1618 Words   |  7 Pageshorrible things. One of our favorite comedians, Ellen Degeneres said â€Å"Most comedy is based on getting a laugh at somebody else s expense.† As I think about this quote I realize that bullying is so embedded into our society, that we don’t realize that we are committing this injustice. Yes, bullying is a problem. Yes, bullying is an epidemic. So many people have been bullied including me. And in order to solve it, today, I will tell you my setup line about the impacts of bullying, tell you my joke ofRead MoreBullying And School System Are No Secret Essay1502 Words   |  7 PagesHannah Swan EdSE 620 Research paper 9/25/16 Bullying and Aggression in Schools Bullying and aggressive behavior in the school system are no secret. Many people have encountered a bully, or have been a bully at some point in their lives. According to the American Psychological Association (APA) bullying â€Å"is a form of aggressive behavior in which someone intentionally and repeatedly causes another person injury or discomfort. Bullying can take the form of physical contact, words or more subtleRead MorePersuasive Essay Bullying1200 Words   |  5 Pages Bullying in Schools Dog. That was one of my nicknames in elementary school. Human dictionary was another. Usually intelligence is something to be celebrated, but when you pair that with being awkward and overweight, it was a recipe for disaster. I was bullied in school by a group of boys for years. They would attack me verbally, mentally and emotionally. If anyone tried to be my friend, or showed any interest in me, they would also becomeRead MoreChanging Bullying : The Utilization Of School Uniforms1458 Words   |  6 Pages Changing Bullying: The Utilization of School Uniforms is Changing Bullying (Rough Draft) Christina E. Oliver ENG 122: English Composition II Instructor: Angel Vasquez January 12, 2015 Changing Bullying: The Utilization of School Uniforms is Changing Bullying One of the most important things, which we have to do as an adult or parent, is to help educate our young people. We must begin to inspect our effectiveness, to provide a sound education, for every age and aspect of humanRead MoreThe Social Problem Of Peer Pressure1659 Words   |  7 Pagespressured into bullying by their peers and conforming to peer pressure that leads to Cyber-bullying and Cyber-crimes. Bullies are misinterpreted as perpetrators; however, they were at some point victims too and created due to lack of social intervention and significantly affected by the victimization by their peers. Cyberbullying: Through the eyes of children and young people, it acknowledges how bullying has entered a â€Å"digital era† and the need for professionals and adults to protect the children by helpingRead MoreInformative Speech : Bullying Is Everybody s Problem888 Words   |  4 PagesInformative Speech Outline â€Å"Bullying is Everybody s Problem† Introduction I. What do we know about bullying? It turns out that with our busy lives, bullying is mostly imperceptible. Have you ever asked yourself why your son, your nephew or a close relative, refuses to go to school? Why the child is always complaining of stomachaches or other diseases in the mornings? II. If so, your child is likely to be a victim of bullying. However, you may not realize that bullying is a real issue that unfortunatelyRead MoreCyberbullying And Its Effect On Society1620 Words   |  7 Pageslatest electronic technology. This kind of bullying is always on the internet, but people are now even using their phones to bully people, as well. According to the US National Crime Prevention Council, cyberbullying is when the internet, cellphone, and other devices are used to hurt others by sending messages, posting statuses, or sending images to hurt or embarrass someone. Cyberbullying has become a major issue in the media today. The number of children suicides have increased due to harassment

Thursday, May 14, 2020

Geology and Topography of Antarctica

Antarctica is not an ideal place for a geologist to work — it is widely considered one of the coldest, driest, windiest and, during winter, darkest places on Earth. The kilometers-thick ice sheet sitting on top of 98 percent of the continent makes geologic study even more difficult. Despite these uninviting conditions, geologists are slowly gaining a better understanding of the fifth-largest continent through the use of gravity meters, ice-penetrating radar, magnetometers, and seismic instruments. Geodynamic Setting and History Continental Antarctica makes up just a portion of the much larger Antarctic Plate, which is surrounded by mostly mid-ocean ridge boundaries with six other major plates. The continent has an interesting geologic history — it was part of the supercontinent Gondwana as recently as 170 million years ago and made a final split from South America 29 million years ago. Antarctica has not always been covered in ice. At numerous times in its geologic history, the continent was warmer due to a more equatorial location and differing paleoclimates. It is not rare to find fossil evidence of vegetation and  dinosaurs  on the now-desolate continent. The most recent large-scale glaciation is thought to have begun around 35 million years ago. Antarctica has traditionally been thought of as sitting on a stable, continental shield with little geologic activity. Recently, scientists installed 13 weather-resistant seismic stations on the continent that measured the speed of earthquake waves through underlying bedrock and mantle. These waves change speed and direction whenever they encounter a different temperature or pressure in the mantle or a different composition in the bedrock, allowing geologists to create a virtual image of the underlying geology. The evidence revealed deep trenches, dormant volcanoes, and warm anomalies, suggesting that the area may be more geologically active than once thought. From space, Antarcticas geographic features seem, for lack of a better word, nonexistent. Underneath all of that snow and ice, however, lie several mountain ranges. The most prominent of these, the  Transantarctic  Mountains, are over 2,200 miles long and split the continent into two distinct halves: East Antarctica and West Antarctica. East Antarctica sits on top of a Precambrian craton, made up of mostly metamorphic rocks like gneiss and schist.  Sedimentary deposits from the Paleozoic to Early Cenozoic age lie above it.  Western Antarctica, on the other hand, is made up of orogenic belts from the past 500 million years. The summits and high valleys of the Transantarctic Mountains are some of the only places on the entire continent not covered in ice.  The other areas that are free from ice can be found on the  warmer Antarctic Peninsula, which extends 250 miles northward from West Antarctica  towards South America. Another mountain range, the  Gamburtsev Subglacial Mountains, rises almost 9,000 feet above sea level over a 750-mile expanse in East Antarctica. These mountains, however, are covered by several thousand feet of ice. Radar imaging reveals sharp peaks and low valleys with topography comparable to the European Alps. The East Antarctic Ice Sheet has encased the mountains and protected them from erosion rather than smoothing them into glacial valleys. Glacial Activity Glaciers affect not only the topography of Antarctica but also its underlying geology. The weight of ice in West Antarctica literally pushes the bedrock down, depressing low-lying areas below sea level. Seawater near the edge of the ice sheet creeps between the rock and glacier, causing the ice to move much faster towards the sea. Antarctica is completely surrounded by an ocean, allowing sea ice to greatly expand in winter. Ice normally covers around 18 million square miles at the September maximum (its winter) and decreases to 3 million square miles during the February minimum (its summer).  NASAs Earth Observatory has a nice side-by-side graphic comparing the maximum and minimum sea ice cover of the past 15 years. Antarctica is almost a geographic opposite of the Arctic, which is an ocean semi-enclosed by landmasses. These surrounding landmasses inhibit sea ice mobility, causing it to pile up into high and thick ridges during the winter. Come summer, these thick ridges stay frozen longer. The Arctic retains around 47 percent (2.7 of 5.8 million square miles) of its ice during warmer months. The extent of Antarcticas sea ice has increased by approximately one percent per decade since 1979 and reached record-breaking levels in 2012 to 2014. These gains do not make up for diminishing sea ice in the Arctic, however, and global sea ice continues to disappear at a rate of 13,500 square miles (larger than the state of Maryland) per year.

Wednesday, May 6, 2020

Study of Job Satisfaction at Infosys and Its Implications...

Study of Job Satisfaction at Infosys And Its Implications for Motivating Employees at Infosys DeeptiVedala A018 vedaladeepti@yahoo.com Project Management (Major Project) M.Pharm (Pharmaceutics) + MBA Trimester II ABSTRACT: The main aim of the study is to determine the job satisfaction of employees in Infosys. It includes determining various parameters that influence job satisfaction and also the present level of satisfaction of the employees. To understand employees perceptions about the job and come up with recommendations for the company to improve the level of job satisfaction. The method used to perform the study was a Job Satisfaction Questionnaire. The questionnaire consisted of various sections like†¦show more content†¦Weiss (2002) has argued that job satisfaction is an attitude but points out that researchers should clearly distinguish the objects of cognitive evaluation which are affect (emotion), beliefs and behaviors .This definition suggests that we form attitudes towards our jobs by taking into account our feelings, our beliefs, and our behaviours. Job satisfaction can also be defined as either as the overall or general job satisfaction of an employee or as the satisfaction with certain facets of the job such as the work itself, coworkers, supervision, pay, working conditions, company policies, procedures and opportunities for promotion(Smith et al.,1969).Based upon these two view points of job satisfaction , it may be measures either as the general or overall satisfaction of an employee with the job or it may be measured as the satisfaction of an employee with the various work facets. For the present study the former view of job satisfaction has adopted OBJECTIVE OF STUDY: Presently the Indian IT and ITES industry has the largest attrition rate as compared to otherindustries. Not only the startup companies but also the established companies have been finding it difficult to retain employees. With the unprecedented boom in the IT industry the size of the industry has grown very big and with major IT players employing a huge number of employees, it has become very important to determine the factors that influence job satisfaction in this industry and come up withShow MoreRelatedIntroduction to Motivation16686 Words   |  67 Pagesin its operational and management approach to cope up with such changes. Henceforth employees working in companies have to be motivated consistently in order to channelize their potential for achievement of organizational objectives. Those organizations face the problem of high attrition rate who fail to motivate their employees. Theres often a single element that differentiates companies with enthusiastic employees from those that suffer high rates of dissatisfaction and turnover: motivation. WhileRead MoreA Study on Customer Satisfaction on Bsnl Mobile Services15977 Words   |  64 Pages1.0 INTRODUCTION 1.1 Statement of Problem A study has been conducted in order to understand the Customers opinion and Satisfaction level of Mobile Services of BSNL in East Godavari District, researchtitledâ€Å"A STUDY ON CUSTOMER SATISFACTION FOR BSNL MOBILE SERVICES IN RAJAHMUNDRY REGION†has been conducted. 1.2 Importance of the Study In todays competitive business world and challenging economy, retaining your customer base is critical to your success. If you dont giveRead MoreHbr When Your Core Business Is Dying74686 Words   |  299 PagesDonald N. Sull and Charles Spinosa 90 The Leadership Team: Complementary Strengths or Conï ¬â€šicting Agendas? Stephen A. Miles and Michael D. Watkins 100 Avoiding Integrity Land Mines Ben W. Heineman, Jr. 20 33 FORETHOUGHT HBR CASE STUDY Why Didn t We Know? Ralph Hasson 45 FIRST PERSON Preparing for the Perfect Product Launch THOU SHALT †¦page 58 James P. Hackett 111 TOOL KIT The Process Audit Michael Hammer 124 BEST PRACTICE Human Due Diligence DavidRead MoreInternational Management67196 Words   |  269 PagesHodgetts, Fred Luthans, Jonathan Doh. 6th ed. 2006. Includes bibliographical references and index. ISBN-13: 978-0-07-811257-7 ISBN-10: 0-07-811257-5 1. International business enterprises—Management. 2. International business enterprises—Management—Case studies. I. Doh, Jonathan P. II. Hodgetts, Richard M. International management. III. Title. HD62.4.H63 2012 658 .049—dc22 2011002070 www.mhhe.com Dedicated in Memory of Richard M. Hodgetts A Pioneer in International Management Education iii

Tuesday, May 5, 2020

Housing Market in the UK

Question: The British housing market has "deep, deep" problems, according to the Governor of the Bank of England. In an interview with Sky's Murnaghan show, Mark Carney warned that rising house prices represented the biggest current risk to the economy.He added that the number of large mortgages being approved to house buyers was on the rise and that the UK was in need of new house building. Mr Carney said: "The issue around the housing market in the UK is there are not sufficient (numbers of) houses (being) built." One of the biggest issues of the UK economy if the constant changes in the housing market. Using the above article passage and any other you may research, write a report analysing what are, the main reasons for those changes. Is the microeconomic or the macroeconomic environment the one that affects prices most? Are the property market challenges linked more to supply or demand?, or maybe we have to consider macroeconomic issues like the exchanges rates, growth and unemployment? Answer: Introduction: The key role in the economy is played by the housing market. It exercises its influence on the economy through output growth, stability in the financial market and the monetary policy of transmission mechanism. The decision of the household to purchase a house is relevant to the economy as it involves a large part of the households income as well as the expenditure. The UK housing market is characterized as a volatile market. For the last few decades, the UK housing market has witnessed two major booms and busts. (Ons.gov.uk, 2015) The governor of the Bank of England, Mark Carney in an interview with Skys Murnaghan show, has showed concern about the property boom which can pose a big risk to the Britains economic recovery. The house prices rose at the fastest rate in the more than six years and have ascended to 8.9% on a yearly basis. This rise in house price can be accounted for the shortage of new homes. The deep structural problem associated with the UK housing market can be tackled buy two factors. First, the bank must ensure enough reserves to resist the risks of bad loans associated with the downturn of the housing market. Second, there should be a check on the lending procedure and ensure that mortgages be sanctioned to those individuals who could afford them. (E-Residentials | Online Estate Agent, 2014) Reasons for changes in the housing market: The constant changes in the housing market are owing to several factors. These factors influence the housing market and alter the house price. Some of the reasons behind the changes in the housing market of the UK are: (Pettinger, 2011) Economic growth- It is regarded that the demand for house is income elastic as house is considered to be a luxuries good. Now as demand for house is dependent on the income, so as income decreases, people cannot buy houses and they are unable to make their mortgage payments ending up their houses to be taken in possession by the banks. The GDP growth of the UK in the third quarter of 2014 was 0.7% which made the nation the fastest growing G7 economy in spite of the economic slowdown. (Allen, 2014) This has resulted in the rise in income of the citizens which furthered raised the demand for house which ultimately hiked the house price. (Positive Money, 2013) Unemployment- The level of unemployment is associated with the economic growth in the UK. Since the UK experienced a GDP growth, the unemployment rate fell to 6% which is recorded to be the lowest. The employment rate rose to 73% which means that people have been employed. This drive in employment caused the incomes to rise resulting in an increased demand for house and this excess demand for houses increased the prices. (Monaghan and Inman, 2014) Interest rates- The year 2014 was marked with stable interest rate at 0.5% which enabled the purchase of new houses. The interest rate affects the monthly mortgage payment cost. If the interest rate is high, this would increase the mortgage payment. As a result, the demand for houses will fall. But since the interest rate did not rise in 2014 in the UK, people were willing to purchase houses, soaring up the demand for houses and thereby raising the price of the houses. (BBC News, 2014) Consumer confidence- The consumer confidence is very important for the sale and purchase of the house or taking the risk to mortgage them. In this regard the expectation towards the housing market is relevant. If people foresee that the price of the houses is rising then they will be willing to purchase them which will raise demand. Mortgage availability- According to the Bank of Englands latest Credit Conditions report, lenders in 2014 were willing to extend a rise in the availability of mortgages. The rise in the availability of mortgages with low deposits eased up the procedure for getting mortgage. This raised the demand for buying houses. (The Guardian, 2014) Supply- Mark Carney stated that the problem of shortage of new house could not be solved by the Central Bank. At 123,000 units per year, the rate of house building was well below the 200,000 which is considered by many economists as the minimum scale. Thus, the shortage of supply of houses led to a situation of excess demand which raised the price of the houses. (Inman, 2015) Microeconomics and macroeconomics factors affecting price: The basic determinants that affect the housing prices is the demand and supply of the houses but they are influenced by the microeconomics and macroeconomics factor. It is startling to see that how people are engaging themselves to investment in the real estate sector. It is also necessary to understand the impact of the macro and micro variables that can affect the decision of the purchase of the house. Some of the macro and micro factors that affect the housing prices are discussed below. (Tan, 2015) (Ft.com, 2015) Macroeconomic factors: Population growth considering foreign workforce and migration- The population growth rate in the UK in 2014 was recorded to be 0.54%. A population growth imposed pressure on the housing market. (Indexmundi.com, 2015) The increase in the new citizen and the shortage of houses resulted in a situation of excess demand, raising the price of the house. The Malthusian theory states that population of human grows at a geometric rate. The four stages of demographic transition also tell us a progressive change in phase from high birth rate high death rate to a phase of low birth and death rates. All these imply that even if there is little population growth, there is still not sufficient accommodation to absorb the new entrant. (Galor and Weil, 2000) Employment and wage growth- As there is an increase in the employment rate, there is also a growth in wage. This increases the income in the hands of the people which enhances the credit liability confidence. People will now take up loans or mortgage to purchase house. Thus, the demand rises and the property price rises. Construction costs- The conceptualization of several government policies extends to regulate the building projects and this make the developers more conscious about the building projects by delaying it. This causes a shortage in the supply of the house raising the price. The increase in construction cost and the price of raw materials may also raise the price of the house Financing properties- The smooth and easy access to mortgage and loan facilities by the people gear them up to buy properties. This raises the demand for houses and as a result price rises. This can be countered by restricting credit availabilities by government policies which could drive the price down. Land scarcity- The ever increasing population posed a threat to the availability of land. There evolved the issue of scarce land, which resulted in excess demand of land for accommodation. This created an excess demand for house and thus price rises. (McGrath, 2014) Exchange rate- the changes in the exchange rate influence people on their buying decision of property. The depreciation of exchange rate drives up the price of property in the foreign country and the opposite happens when appreciation takes place. Microeconomic factors: Location and amenities- An individual who is willing to buy a house would definitely consider the locality with amenities associated with the property like accessibility of expressways, shopping malls, markets, parks, food centre etc. All these location attractiveness changes the value or price of the house. Government plans- Government may chalk out plans for a particular location by advancement in infrastructures. This future plan associated with the location can drive up the property price. Building style- The architectural design of a house may affect its price. If the design of the house is unique and cannot be replicated then the value of the house increases. Taste and preferences- The taste and preferences of an individual os acquired by the level of education. This reflects the different types of choices of house depending upon the level of education received. It is the macroeconomic factors that increase the price sensitivity of the houses. The major issues like unemployment rate, population growth rate, and construction cost etc. affect the housing prices instantaneously. But the microeconomic factors are equally relevant to determine the prices of the housing sector. Property market challenges: The challenges faced by every market are associated with the demand and supply conditions. It is evident from the rising prices of the houses that there prevailed disequilibrium in the demand and supply conditions in the UK. The supply of houses was unable to keep pace with the demand for houses. A situation of excess demand crept up, driving the price of the house up. Thus there is an urgent need to expand the supply of housing. When the demand and supply conditions are regarded as the important factors to determine equilibrium in the housing market, it is equally important to focus on the macroeconomic and microeconomic factors that influence the demand and supply side of the housing industry. The macroeconomic and microeconomic factors like the economic growth, population growth, locations and amenities, government plans etc. all these affect the pricing of the houses. Thus, the challenges in the property market are influenced by the macroeconomic environment as well as the demand and supply side. (Economicsonline.co.uk, 2015) (UK Parliament, 2015) Conclusion: Our report is based on the analysis of the concern of the governor of Bank of England, Mark Carney. The rise in the price of the house is inevitable as far as there is a shortage in the supply of houses. This problem of supply shortage needs to be tackled by the providing subsidies to the private house builders, relaxing house building regulations, providing grants and tax concession to builders who build house on certain areas etc. The need to regulate demand is also relevant to suppress the rise in price. Thus, to stabilize the demand and supply condition of the housing market, it is necessary to maintain the macroeconomic factors that affect the housing prices. (Galati, Teppa and Alessie, n.d.) (White, 2014) References Allen, K. (2014). UK on track to be fastest growing G7 economy despite slowdown.The Guardian. [online] Available at: https://www.theguardian.com/business/2014/oct/24/uk-economic-growth-slows [Accessed 21 Feb. 2015]. BBC News, (2014).Rates 'to stay at 0.5% this year'. [online] Available at: https://www.bbc.com/news/business-25561477 [Accessed 21 Feb. 2015]. Economicsonline.co.uk, (2015).UK house prices. [online] Available at: https://www.economicsonline.co.uk/Competitive_markets/House_prices.html [Accessed 21 Feb. 2015]. E-Residentials | Online Estate Agent, (2014).E-Residentials | Online Estate Agent. [online] Available at: https://www.e-residentials.co.uk/#!Mark-Carney-House-Prices-Biggest-Risk-To-Economy-/cky5/6B899536-9302-452E-AB1E-FDCEF3931DAF [Accessed 21 Feb. 2015]. Ft.com, (2015).UK house prices: In depth news, commentary and analysis from theFinancial Times. [online] Available at: https://www.ft.com/indepth/uk-house-prices [Accessed 21 Feb. 2015]. Galati, G., Teppa, F. and Alessie, R. (n.d.). Macro and Micro Drivers of House Price Dynamics: An Application to Dutch Data.SSRN Journal. Galor, O. and Weil, D. (2000). Population, Technology, and Growth: From Malthusian Stagnation to the Demographic Transition and Beyond.American Economic Review, 90(4), pp.806-828. Indexmundi.com, (2015).United Kingdom Population growth rate - Demographics. [online] Available at: https://www.indexmundi.com/united_kingdom/population_growth_rate.html [Accessed 21 Feb. 2015]. Inman, P. (2015). Mark Carney: rising house prices pose biggest risk to recovery.The Guardian. 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Available at: https://www.economicshelp.org/blog/377/housing/factors-that-affect-the-housing-market/ [Accessed 21 Feb. 2015]. Positive Money, (2013).House prices: why are they so high? | Positive Money. [online] Available at: https://www.positivemoney.org/issues/house-prices/ [Accessed 21 Feb. 2015]. Tan, A. (2015).Macro And Micro Factors That Make The Property Market Tick | Propertylogy. [online] Propertylogy.com. Available at: https://www.propertylogy.com/knowledge/macro-and-micro-factors-that-make-the-property-market-tick/ [Accessed 21 Feb. 2015]. The Guardian, (2014). Mortgage price war expected as UK lenders fight for market share. [online] Available at: https://www.theguardian.com/money/2014/oct/07/mortgage-price-war-uk-lenders-market-share [Accessed 21 Feb. 2015]. UK Parliament, (2015).Housing supply and demand. [online] Available at: https://www.parliament.uk/business/publications/research/key-issues-for-the-new-parliament/social-reform/housing-supply-and-demand/ [Accessed 21 Feb. 2015]. White, A. (2014). Nationwide: House prices rise but so do mortgage rejections.The Telegraph. [online] Available at: https://www.telegraph.co.uk/finance/property/house-prices/11197402/Nationwide-House-prices-rise-but-so-do-mortgage-rejections.html [Accessed 21 Feb. 2015].