Human racial inequality from early colonization to Civil War Essay

Human racial imbalance from early colonization to Civil War - Essay Example The demonstration of oppressing others, features on the mystery of the incomparable American history, established dependent on the beliefs of cultivating opportunity and balance. Fundamentally, the consequence of such oddity waits in the American culture, even at the present (Dempsey 129). Race as a term, characterizes a social classification grouped as far as social shows and in this light, racial limits, are frequently attracted to mean various things. In the United States, one might be arranged as â€Å"Black† incase that individual have a place with a heredity of African family line. Basically, such arrangement or characterization means an outrageous kind of paired racial order and ponders the pattern on how people were grouped in the United States, after the finish of the Civil War. In America, the demonstration of spreading imbalance during the time of settlements to the furthest limit of the Civil War didn't influence just one gathering, the African Americans, yet in ad dition, other minority bunches also. Bigotry, has a significant effect in the American culture and keeps on affecting on the lives of every single American resident including, the Whites (Seligman 78). The Whites, during this period, were persecuted in two unique ways that incorporates a rehashed division of political and social developments that subverts individual’s ability to contradict the current kinds of disparity and force. In this sense, the tip top and people with significant influence keep on gaining by the race issue as an instrument to separate individuals while, storing up more force for motivation behind securing the interests of their group. Around 1880s, there existed a political development comprising of means ranchers and laborers in the Midwest and the south. This development seemed like creation a few advances in their mission against the elites in the south and other enormous landowners. This populist gathering, represented a test to the political elites of the time in any case, racial clash, wound up deteriorating the solidarity among the agrarian populists hence adding to the fall of the development (Seligman 80). Then again, the second way wherein the presence of imbalance influence the lives of the burdened Whites of that period, included, sabotaging the universalistic angles identified with the government assistance state. This projects, should profit everybody in the general public, be that as it may, such projects, are appeared differently in relation to the recognized projects implied uniquely to profit an assigned gathering. At the period the government assistance program was actualized in the United States, restriction rose up out of the Democrats in the South concerning universalistic arrangements since, such approaches may profit both the White, just as the African Americans. These basically, are beliefs proliferated on account of propelling bigot ideas as obvious from the moderate Southern Democrats (Young 20). On anoth er note, when the European pioneers relocated to America, there was at that point an indigenous populace living in that locale of the world and had authority over their financial asset, which, was land. So as to gather this asset, the British state occupied with demonstrations of dislodging to take the land from the Native people group. The legislature of the United States later utilized this training as the colloquialism

Development of Customer Service Strategy †MyAssignmenthelp.com

Question: Examine about the Development of Customer Service Strategy. Answer: Presentation So as to increase a serious edge and a recognized situation in the market, the association needs to work with the assistance of the most significant apparatus known as client care. The presentation of the organization is altogether dictated by its client care. The degree of administration cooked by the association is recognized by the administration gave to its customer. To make a sound client care technique, it is basic that it is identified with the coordinations arrangement of the organization. This implies, satisfying the prerequisites of the clients in a productive way so that the different divisions which participate in making the administration accessible to the end client are all together also. This procedure of joining a significant level of client care with offices like transportation, creation, producing, quality control and buy and so on so the above division capacities as well as could be expected is called as Customer calculated administration (Wang, 2013). Thusly, it i s a fuse of phenomenal client care with the spot and time utilities so as to make the administration or the item accessible to the end shopper. The administration of conveyance must be esteem included with a decent client association so the client sees it as an advantage and not just an item or a help. Procedure of Customer Service and its key components from a coordinations viewpoint The key component of a proficient strategic client care is to cause the client to associate with the organization at different levels as opposed to simply setting up an immediate contact with simply the promoting group who is liable for selling the item or the administration. There are different stages and mediums to speak with the client to cause them to feel special. It is the obligation of the organization to cause the client to feel its quality either by web based life through online methods or through mediums like media transmission to give client driven client care (Ross, 2016). This can be expounded with the assistance of a for example like on the off chance that an organization is into assembling of a specific item, at that point the requests got to make a buy would be dispatched to the buyer. Presently, to accomplish a decent consumer loyalty it is obvious that the customer of the organization would need to follow the time the item takes to arrive at the client. Additionally , the client would enquire the date and time when the item was dispatched for the conveyance. These inquiries can be unraveled by propelling an arrangement of cooperation among client and the business. The customer gets educated with the total data of the item with the assistance of connection electronically (Terry, 2014). The desires for the clients are essential to be met with the assistance of a productive client care arranged coordinations framework. Conveying the item or an assistance with the assistance of different circulation channels and divisions alongside furnishing slice through arrangements with in specified time to the clients is the way to accomplish consumer loyalty. As coordinations comprises of conveying the correct amount, right item, and right nature of the item at the perfect time, ideal spot at the correct expense to the correct client through the correct methods, it is basic to address the necessities of the client through a productive client driven methodolog y (Oliveira and Gimeno, 2014). All the components about dealing with the stock comprising of questions in regards to things, areas and amounts of stock are to be kept in thought. Moving further settling on the method of transport, making a calendar and a course through which the item will be delivered and arranging the measure of burden to be dispatched are the elements which are kept in the psyche. These exercises are dealt with by different committed divisions like stock office, transport office, warehousing and bundling office (Mangan and Lalwani, 2016). The principle job of coordinating client support process with coordinations framework is understanding the sort of administration required by the customer from the business. The primary center is dealing with the conveyance framework so that it tends to the specific needs of the client (Rushton, Croucher and Baker, 2017). This point is just conceivable through client correspondence and association so as to decide the needs of the client. The requirements identified with the time taken during the travel, cost brought about in the shipment, unwavering quality regarding the quality can be satisfied with the assistance of a coordinated methodology. The primary job of the coordinations of an association is to guarantee that the administration or the item offered is put and conveyed accurately to the client. In this way, an organization needs a weapon to increase a serious edge over its rivals in the market. In the event that there is a nearby client relationship kept up by the organization as far as development of items and administrations directly from the provider liable for making the administration/item accessible to the client liable for expending the administration, at that point the strategic framework gets intuitive. The client support process involves key components which requires envisioning and perceiving the wants of the customer and give them the fitting answers for address these wants precisely (Christopher, 2013). A decent client assistance lays accentuation on drawing in the applicable divisions in the gracefully chain with the customer so the client knows about the business and they don't feel misdirect. For example A magazine organization has tie ups with merchant firms who are occupied with exercises like wrapping, arranging the goal, dealing with the database, creating tie ups with carrier and delivery organizations for transportation. This organization needs to incorporate different channels of dissemination with compelling client support to achieve viability in the framework. Moreover, another significant component of calculated client assistance is accomplishing consumer loyalty which is conceivable with presenting an open door in the framework to make the necessary enhancements in the administration offered by the organization. In the event that there is a standard correspondence between the business and the customer, at that point there is an open trade of desires and the ideal changes are made and managed, which helps in fulfilling the clients. The most significant component of a powerful coordinations client care is the clients achievement. The guarantee of pleasing the end client gets satisfied when the administration rendered to them offer them more than their desires. This is accomplished by going an additional mile for making adjustments and serving their necessities by clarifying them the working of the frameworks of the business (Barnes and Hunt, 2013). A client care approach is called proficient when it is created in such a way, that the business looks for approaches to clarify all the highlights, qualities, and the proper information required to comprehend the item alongside taking their inputs or audits so the desires can be tended to. Effect on advancement of the Customer Service Strategy So as to procedures the coordinations administration practices of a business, there are two elements who are included significantly. One is the seller providing the item and the other is the end client expending the item. Thusly, the system of rendering the client support has a significant result of the providers, sub provider and different middle people associated with the flexibly chain the executives. A client support system includes acquainting the end clients with answers for their necessities. Concerning the components of coordinations client care there is an extraordinary effect of different directs in the gracefully chain the executives on the client care of the business. The procedures engaged with the coordinations arrangement of the systematic obtainment of crude material till it arrives at the beneficiary for utilization incorporate all the exercises like recognizing and picking providers, finding the channels of dissemination and knowing the nature and area of distributi on centers for capacity and overseeing stock. Consequently, it is difficult to meet the desires and discover answers for the clients questions without drawing in the committed divisions including above exercises to speak with the end client (Pontius, 2017). For example there are different inquiries which should be offered an explanation to the customer in the stage when the exchange happens for a specific request. The customer needs to realize the time devoured in preparing the request, the item accessibility, regardless of whether the request can be delayed, the desk work which should be all together and the consistency in conveyance of the item (Wallace and Xia, 2014). Additionally, the component of consumer loyalty impacts the definition of client support procedure all things considered. This can be delineated with the assistance of a for example for example the client is interested about the value citation of the item, the charges of shipment, harm and protection during the trav el and the item quality. Every one of these disarrays are managed by a productive client support technique (Riyad, 2013). In this way, expectation, client commitment and client accomplishment from a coordinations viewpoint are the components which have a significant ramifications in building up a successful client care technique. A coordinations technique whenever intended to cause the clients to feel special prompts achieve cost viability alongside giving an extraordinary client assistance. This implies it is required for the coordinations division of a business to go about as an interface between the business and the client to be effective in technique detailing and execution End The fundamental goal of the coordinations client support is building up another methodology in which the members in the gracefully chain in a specific business are very much aware of their duties not just concerning the accomplices who exchange with them yet

WinningWriters.com Dedicated to Helping Writers Improve Their Craft

WinningWriters.com Dedicated to Helping Writers Improve Their Craft WinningWriters.com focuses on helping independent and freelance writers, and it provides information and advice to help writers of all levels. The wide range of topics the site addresses is truly impressive; topics range from writing advice to legal resources and every subject matter in between (including topics such as self-publishing resources, writing for social change, and spotting scam literary agents).If you sign up for their newsletter, you can get Winning Writers list of The Best Free Literary Contests delivered directly to your inbox. Editor Jendi Reiter sends messages with information, updates, deadline changes, rule changes, and insights about more than 200 free poetry and prose contests on the 15th of every month along with four quarterly special announcements. Any writer interested in pursuing contests (and potentially earning prize money) should sign up for this newsletter, because Jendi digests the pertinent information about each contests rules and summarizes them in easy-to-understand language. She also gives her perspective about what kind of piece will likely win the contest, which is valuable advice that can save you time and help you to custom tailor your submissions and increase your chances in the contest. The contests Ive discovered on there are for credible publications with really exciting themes. The other members of my monthly Writing Group were thrilled when I shared this information with them, because many of them spend vast amounts of time researching contests in addition to writing their entries, and they were simultaneously excited and relieved to discover that Jendi Reiter has done most of the legwork for them! This resource saves you from having to scroll through online search results searching for contests; the editors at Winning Writers have done all the research and investigating for you, so you can easily glance at the contests and see which ones spark your interest and match your writing style. If you are hesitant about g iving out your email address (although they promise they will not share your email address or information with outside companies), you can access past issues of the newsletter on the site, but you risk missing opportunities for contests with shorter lead times.Under Whats New, the site features an extensive and continually updated list of Writing and Poetry contests, and they include prize and deadline information along with external links to each contest website for more detailed information. Based on the high standards and ethics exhibited throughout the rest of the site, interested writers and poets can confidently submit to the contest and publications featured here.One of the aspects of Winning Writers that I found most impressive and informative is their list of contests and publications that writers should avoid because they are not reputable, are vanity publishers, or are money-making schemes that will charge you to publish your work and will not improve your resume or portf olio (and may even possibly tarnish your resume). Most writers are passionate about their work, and that passion sometimes translates into a desperate need to see our work in print, which can lead to bad decisions such as paying to publish something youve spent weeks crafting. In addition to the list of organizations/contests to avoid, the site provides details on why they recommend avoiding certain organizations or contests. That additional information is quite useful for understanding the darker sides of the writing industry and learning how to spot some of the companies that try to exploit writers. The list and the explanations are valid and genuine. The fact that Winning Writers dedicated the time and resources to compile this list made me feel that they care about writers and the integrity of the writing industry. Red flags that the site warns about include anthologies that require poets or writers to purchase a copy of the anthology to get published, contests or publications t hat require you to relinquish too many of your intellectual property rights (which may prevent you from shopping the piece around or publishing it somewhere legitimate), and contests that include high non-refundable entry fees along with a fine print clause reserving the right to cancel the contest if they do not receive enough entries. In addition to this list and informative explanation, there is an extensive list of additional topics and external resources that can help prevent writers from being exploited when trying to get published.The Resources section of Winning Writers is elaborate, with at least forty-eight subheadings to choose from within this section. For writers interested in learning more about reputable publishing houses that publish books, journals, and magazines, the Publishers section provides two pages of quality options. The recommended publishers are listed in alphabetical order, and each listing is followed by a brief synopsis that summarizes the publishers sp ecialty and/or niche and what kind of writers might be interested in submitting for publication with them, along with a hyperlink that will take you to the publishers website if you want to find out more. Out of the seventy-two publishing houses listed, I was only familiar with three, so once again, Winning Writers has done most of the legwork for you in vetting these smaller entities.In the Resources section under the Books heading and Essential Tools subheading, I came across Bruce Holland Rogers article Ten Tips for Psychological Survival in Writing, which should be required reading for all writers, aspiring writers, poets, and aspiring poets. While many of the items within the Resources section provide summaries and links to outside sites if you want to read the entire essay or piece, this piece is printed in full on the site, which suggests that perhaps the people at Winning Writers also believe that Rogers Ten Tips for Psychological Survival in Writing contains essential infor mation for any and all writers. I urge you to head to the site and read it, or you can pick up a copy of Bruce Holland Rogers book Word Work: Surviving and Thriving As a Writer, which this essay is excerpted from.The Winning Writers website doesnt just provide resources and information about where to submit your writing for prizes and publication; they also host four contests (with substantial prizes) of their own:The Tom Howard/Margaret Reid Poetry Contest, which accepts all styles and themes of poetryThe Tom Howard/John H. Reid Fiction Essay Contest, which accepts all styles and themes of both fiction and non-fictionThe North Street Book Prize, which accepts submissions of self-published booksWergle Flomp Humor Poetry Contest (no fee), which accepts submissions of humorous poems.The site includes detailed descriptions of previous prize winners, including excerpts of the winning work. This is beneficial both for the winning writers, because it gives them exposure and publicity in addition to their prizes, and for future submitters, because it provides ample information about what sort of entries the judges consider prize worthy.If you dont have time to dig through previous contest winners to glean tips about how to write a winning essay, Arthur Powers, one of the judges of the Tom Howard/John H. Reid Fiction Essay Contest, wrote an article that reveals what he looks for in an award-winning essay. He is mindful that writing is subjective and everyone has a unique style, so in his advice he mentions multiple times that he doesnt want to influence anyones essay. However, he provides solid, useful tips about how to craft an essay that speaks to a contest judge.If you are interested in learning more about the judging process for poetry submissions, Ellaraine Lockie, one of the judges of the Tom Howard/Margaret Reid Poetry Contest, provides an in-depth interview with Jendi Reiter, in which she describes what aspects she considers when judging entries for the poet ry contest.If you are the author of a self-published book, you should absolutely consult Jendi Reiter and Ellen LaFleches article explaining what they look for when judging submissions for the North Street Book Prize. Reiter and LaFleche go into exquisite detail about how they select their favorites for this contest. They even include recommendations of their favorite books in every genre, so writers interested in submitting can conceptualize what sort of stories resonate with them. This kind of information is invaluable when entering contests â€" especially when first prize is $3,000!Another benefit of the Winning Writers newsletter is Critique Corner, where an editor (usually Jendi Reiter, who is also the vice president, or Tracy Koretsky) critiques a poem submission and provides advice about how to improve the poem, along with ideas regarding possible submission outlets. Reiter provides insightful comments about the poems and frequently compares them to popular or well-known poem s of similar genres. She is a beautiful and skilled writer, and even when providing suggestions for how to improve the poems, she does so with grace and compassion, and you can tell that her suggestions for change are because she truly wants to help the poet make the poem the best that it can possibly be. Winning Writers is no longer adding new critiques to its Critique Corner, but the existing critiques will remain online indefinitely.In addition to having their own staff of editors and contest judges, Winning Writers combs through the Internet and finds valuable articles with pertinent information to share with their readers. The links to outside resources are rich with advice for writers. Creative nonfiction writer Megan Galbraith tackles a frequent source of writers block for many creative nonfiction writers in her article Thats Not How I Remember It: Creative Nonfiction and the Art of Dealing with Doubters.The WinningWriters.com website should be a bookmarked tab in any aspirin g or established writers web browser. The site is dedicated to helping writers improve their craft, and the articles, tips, and resources on the site will guide all writers and poets aspiring to improve their crafts, and it may help you to get published or win a contest along the way.

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History of the U.S. Peace Corps Essay - 630 Words

The Peace Corps, officially established on March 1st 1961, is a governmental agency devoted to world peace and progression. The Peace Corps was established by Senator John F. Kennedy when he inspired a group of students at the University of Michigan to work for their country in the cause of peace by living and working in developing societies abroad. From that encouragement developed an agency of the federal government. The Peace Corps is organized into groups of volunteers and trainees that are placed in different developing countries according to their cause. Some of these causes include: education of children and adults, health and HIV/AIDS, environment, business, agriculture and youth. There are currently 7,733 volunteers and†¦show more content†¦Kennedy and the original Peace Corps volunteers to help promote world peace and friendship. One important program of the Peace Corps is increasing its role in the global effort to fight and prevent HIV/AIDS by training all volunteers in Africa as educators of HIV/AIDS deterrence and education. All volunteers will be prepared to address the multiple health, social, and economic problems associated with the HIV/AIDS epidemic. There are many Peace Corps programs in Botswana and Swaziland which are devoted exclusively to combating the epidemic. Programs are currently expanding into the Caribbean where there is also a large epidemic of HIV/AIDS. In May 2003, the Peace Corps devoted one thousand new volunteers to work on HIV/AIDS-related activities as part of President Bushs Global AIDS Relief Package. Another program of the Peace Corps is communications technology. The information technology volunteers supply technical guidance and support to organizations that want to make better use of information and communications technology. They introduce people to the computer as a tool to increase efficiency and communication. Volunteers teach basic computer literacy skills such as, word-processing, spreadsheets, basic accounting software, internet use, and web page development, and they introduce host communities to e-commerce, distance learning, and geographic information systems. A third program of the Peace Corps is their expansion into new andShow MoreRelated All You Need is Love: The History of the Peace Corps Essay1090 Words   |  5 PagesIn the 1960s many Americans attempted to redefine their nations identity both at home and abroad while the Peace Corps was taking place. Nothing reflected this better than the Peace Corps. In All You Need is Love Elizabeth Cobbs-Hoffman explores the history of the Peace Corps, and reveals, that by tracing its development in the last forty years, one can gain a better understanding on how it became the ideal institution of social reform in the 1960s. Cobbs-Hoffman begins her story by exploring theRead MoreThe First Years of the Peace Corps Essay1180 Words   |  5 Pagessupport of the idea had been gathered with over a thousand signatures. The Peace Corps was officially established by Executive Order 10924 on March 1, 1961. The Peace Corps proved to be a program consisting of devoted individuals serving their countri es to fight against poverty and aiding the men, women and children fighting to survive in their impoverished living conditions. John F. Kennedy was motivated to establish the Peace Corps to assist the people in less developed countries, provide disaster reliefRead MoreJohn F. Kennedy s Speech1361 Words   |  6 PagesPresident of the United States, John F. Kennedy was known for many accomplishments such as the establishment of the Peace Corps, the commitment to land a man on the moon and the removal of missiles from Cuba. 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The Demand and Supply of Housing

Question: Discuss about the Demand and Supply of Housing. Answer: Introduction The theory of demand and supply is one the basic concepts of economics which form the backbone of the market economy. Demand is the quantity of a commodity that buyers in a market desire. The quantity demanded is how much of a product (good or service) that buyers are willing and able to purchase at a given price in the market. This interaction between the quantity demanded and the price gives the demand relationship. On the other hand, supply refers to how much the market can offer. The quantity supplied is the amount of a commodity that sellers are willing and able to bring to the market at a particular time for all the given prices to give the supply relationship. Demand and supply therefore, reflect the price of the commodity(Salvatore, 2011). The quantity demanded of a commodity is affected by its price. When all other factors are held constant and the price of a normal commodity increases, the demand for it will reduce because now the consumer will have to pay more for it. The opposite happens when the price reduces while the other factors remain constant. This implies that price is inversely related to the quantity demanded. Increase in price causes a decrease in demand and vice versa. Another factor affecting demand include changes in the disposable income of the consumer. When the disposable income of consumer increase, they are able to afford more of the commodity hence the demand will increase. Demand also increases when the quality of a good is improved and advertising of the product that will lead to consumers building brand loyalty. Other factors include seasonal changes, future expectations of changes in the price of the commodity, and changes in the prices of other related commodities. Commodities can be related as either substitutes or complements. Supply is also affected by the price of the commodity. When the price of the commodity is high, the sellers will be willing to bring more to the market to maximise on revenue receipts and vice versa. Other factors include changes in the cost of production, expansion of the production capacity or entrance of other producers into the market, changes in the supply of other related goods, seasonal and climatic changes, technological changes, and government policies like taxation and subsidies. Demand for and Supply of Housing Similar to all other market in any economy, the law of demand and supply applies in the housing market. The market for houses involves buyers who are willing to pay for houses at a given price and sellers who are the investors and developers who are willing and able to supply houses to the buyers for a given price. The market forces of demand and supply come into play in the housing industry where the buyers will offer a price for a house and the seller may accept the offer or reject. Where supply meets demand, we will have an equilibrium price and quantity of houses. When the demand for houses equals the supply, we say the housing market is in equilibrium and the market will clear. At equilibrium, all the houses that are supplied to the market will be bought and there will be no shortage or surplus of houses(Farmer, 2007). The demand for housing is affected by the price of houses and their affordability. When the general prices of houses are high, it may not be affordable to some households. Such household may opt to live as communities. This reduces the quantity of houses demanded. Affordability of a house relates the income of a household to how much the household is willing to spend on residential housing. Housing affordability is different from affordable housing in that affordable housing refers to low-income houses or community housing, while affordability is a concept that relates income and expenditure of households. The income of households can increase due to higher productivity or due to increase in the prices of exports. When the households have a higher income and are willing to spend more on houses then the houses become more affordable and the demand will increase. Population growth will lead to increase in demands. The population growth in our country is high and therefore there is a high demand for houses especially in the young people who are looking for jobs. Population is increasing due to immigration by workers looking for job opportunities. However, population can reduce due to people marrying later or bearing fewer children, divorce and separation. Such factors could lead to the demand of houses reducing(Gruis Nieboer, 2010). When households have easy access to credit facilities, their demand for houses could increase. Ease of access of credit facilities such as loans may be made possible by reducing interest rates or financial deregulation. This makes acquiring loans from banks and non-bank financial institutions easy for households. In addition, the households can afford to pay back their loans. Financing for the purpose of home acquisition will increase the demand for houses including the trend that is now popular for households purchasing homes for speculative purposes(Gruis Nieboer, 2010). The demand for housing is relatively inelastic. Price elasticity of demand is the responsiveness of price to changes in demand. When the price increases, the demand will not fall by a big percentage. This is because housing is essential and a tenant will not vacate a house simply because rent has increased. Similar to demand, the supply of houses is affected by their price. When the prices are good, developers will be willing to build more house units so that they can maximise on revenue. Price of houses is determined by demand. When the demand is high, houses will fetch a good price in the market, the profits will be high, and the developers will supply more houses to the market. Contrary to this, low prices in the market could lead to restrictions in construction of buildings hence a further reduction from the initial brought by low prices. Other factors affecting supply include the attitude of the locals in the area concerning the construction of new homes, and the regulation on the use of land. Government policy include subsidy of construction for low-income houses and the capping of rent by the rent tribunal. This helps to shift the demand curve to the right and ensure that there is no shortage of housing facilities. Conclusion The demand and supply of houses works like that of any other market in the economy, where the forces will determine the equilibrium price. At this price, both the buyer and seller are satisfied and there is market clearance. The price of houses is the underlining factor that will determine both demand and supply. Other factors is the availability of credit to both the tenants and the developers that will determine the demand and supply. The government works to ensure that there are no inefficiencies in the housing market. It regulates the rent and provides subsidy for low-cost housing to ensure both affordability and surplus. Regulation is meant to protect the tenants from exploitation by property owners. References BEARDSHAW, J. (2001).Economics: a student's guide. Harlow, Pearson Higher Education. BEGG, D. K. H. (2013).Foundations of economics. London u.a, McGraw Hill Education. BEGG, D. K. H., WARD, D. (2016).Economics for business. FARMER, R. E. A. (2007).Aggregate demand and supply. Cambridge, Mass, National Bureau of Economic Research. GRUIS, V., NIEBOER, N. (2010).Asset management in the social rented sector: policy and practice in Europe and Australia. Dordrecht, Netherlands, Kluwer Academic Publishers. HEALEY, J. (2016).Housing affordability. Thirroul, N.S.W. : Spinney Press HEALEY, J. (2009).The housing crisis. Thirroul, N.S.W., Spinney Press. MANKIW, N. G., CROUSHORE, D. D., STULL, C. A. (2009).Principles of economics. 1, 1. Fort Worth [u.a.], Dryden Pr. NWOGUGU, M. C. I. (2011).Risk in the global real estate market: international risk regulation, mechanism design, foreclosures, title systems, and REITs. Hoboken N.J., John Wiley Sons. PETTINGER, T. (2017). Factors affecting supply and demand of housing | Economics Help. [online] Economicshelp.org. Available at: https://www.economicshelp.org/blog/15390/housing/factors-affecting-supply-and-demand-of-housing/ [Accessed 11 Apr. 2017]. PHILP, B., WHEATLEY, D., GALT, V. (2009). 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