I need buttons for my shirts

There are people who want to help others. Their minds will be always in the lookout for old aged and deprived people and once they notice such people, they used to provide them either cash or food. Many times, the beneficiaries are hesitant to accept food or any other items and they always prefer cash. However, in certain situations, offering cash brings a great hardship to old people who are otherwise unable to fight the miscreants or thieves.

Recently I went to a hotel along with my friends. We started discussing many issues and matters related to our business, had a dinner and left the hotel by evening. By the time we were leaving the hotel, an old lady approached us and demanded some money. We could not exactly predict as to whether she was a beggar or an old lady in need of food for her stomach. I wanted to give her some money and by the time I was searching my pockets for some coins; my friend took the old lady inside the hotel.

He called the waiter and placed an order for the required number of food items for the lady. He was patiently sitting near the lady and by the time she completed eating her food, he paid the bill and came out and joined us.

I was wondering as to why he procured the food for the lady instead of providing her some money so that she would have purchased food items of her choice. He started telling me the concept behind his action. “Whenever, we pay cash to the old people, the miscreants who are watching the activities confiscate the cash by threatening them. The old people are found to be helpless. Once we feed them, the question of losing the cash will never arise”.

This information is an eye opener for many of us who have the desire to help old people in broad sunlight by means of cash.

What are the advantages of self employment and why I do prefer self employment?

Self-employment is working for oneself. Self-employed people work for themselves instead of an employer, drawing income from a trade or business that they operate.

To be self-employed is not necessarily the same as being a business owner. Many self-employed people conduct the day-to-day operations of the business, either as managers,  line workers or both. A business owner may or may not work in the business and is not required do so. Policymakers increasingly view self-employment in the form of youth entrepreneurship as a possible solution to the youth unemployment crisis

In non-metro counties, increased levels of self-employment measured as the share of national provident fund in total, full and part-time employment were associated with strong increases in per capita income and job creation and significant reductions in family poverty levels. For metro counties, the effects of self-employment on income and employment growth were similar to those in non-metro counties. However, though entrepreneurship had a relationship with reductions in poverty, the correlation was not statistically significant. The strong empirical support for the pro-small, local business prescription to accelerate local economic growth and reduce countywide poverty, you get to deduct half of your self-employment taxes from your net income.

The home office deduction is one of the more complex deductions. In short, any workspace that you use regularly and exclusively for your business, regardless of whether you rent or own can be deducted as a home office expense. To deduct meals and entertainment, you must conduct business with the person you are entertaining during the meal and event or immediately before or after it, Contract workers and self-starting entrepreneurs who are making a difference in small local economies. Self-employed workers significantly predicted personal income and job growth, as well as decline in family poverty levels. Of course, self-employment isn't completely fail-proof. Just like brick and mortar businesses, the self-employed depend on demand for their goods or services and can be affected by economic downturns, though not as severely.

That's why co working spaces, especially in rural areas, are so important. Self-employment can revitalize and empower local economies. But who empowers and supports the self-employed? The global co working community has to encourage growth and leaders should help the self-employed by organizing networking meetings and alerting them to exporting opportunities. Economic development groups also can assist entrepreneurs with credit and grant applications, or, those same government leaders could help plant co working spaces in their communities namely’ shared office spaces, fertile mix of business incubator, think tank, professional network, therapy group, all rolled into one.

Freelancers and small business owners have been shown to thrive when exposed to the open sharing that occurs in co working communities, and the co working spaces themselves are small businesses that can act as lightning rods for innovation and economic growth.

Courtesy: HARISH RAMAKRISHNAN

What are the advantages of self employment and why I do prefer self employment?

‘If any would not work, neither should he eat’’:

Ø  Bible II Thessalonians

With all advancement in the field of Science and Technology, human life has been made too easy and comfortable. With ever expanding opportunities and shrinking global size, the entire world seems to be within ones reach. Rise in education levels and willingness of people to work more has led to increase in salaries and other bonuses. So in a way to speak, people today are highly focused on two most important aspects of life – MONEY and HAPPINESS. 

With Money come Fame and more work where as happiness takes a beating. It is not abnormal these days to see young people giving up high-salary jobs for happiness or people looking to make the job interesting one. Due to this lack of happiness in being employed to someone else or working on someone’s orders and having someone else other than god writing your destiny , the sole meaning of EMPLOYMENT is lost. What starts as an opportunity to lead a good prosperous life becomes rocky and depression creeps in.

So in a way SELF EMPLOYMENT is one of the best alternatives for all the young, bright and prodigal youth to start a new generation of beaurocrats, technocrats, industrialists, social leaders, writers, and thinkers , more importantly a better citizen of the country.

Employment involves a contract between two parties with mutual consent but Self Employment enables a person to carry out a work on his own strengths and independent of others.

 “It takes someone to dream and the rest start to follow”

Ø  anonymus

However on a deep analysis one can clearly understand that Self Employment is not only economically beneficial but can also be a highly profitable venture involving fame and social respect. Today many youth in mid-30’s are giving up high-salary jobs to start new ventures. Self Employment is not restricted to any particular sector of the economy but only depends on ones ability and willingness. It involves risk taking ability on the part of the person and also includes his personality traits like communication, effective decision making and efficient use of resources. in the long run a good self employment avenue can be of national importance too. Certain advantages of being self employed are:

·         Self employment gives the person, also known as The Entrepreneur a sense of belief and freedom of taking his decisions in the venture, an increased level of concentration of work and sense of belongingness that one may not find in any other job.

·         It reduces the Economic burden from the earning members of the family. Self employment enables a person to earn a few more for better family living or in some cases just to utilize his time and resources properly. Sometimes a self employing event may compel one to leave existing job.

·         The best thing about a self employment is that it solely depends on a person’s willingness and his abilities to handle the available resources. In many cases it has almost nothing to do with ones economic status or education levels. In a country of Farmers like India, many illiterate farmers and farm women are self employed in activities that are more remunerative than crop cultivation alone.

·         Self employment is best way to combat modern day unemployment where seats are little but contenders are too many. Despite highly specific selection process, it’s common to see thousands lining up for a particular job even though the scope is to accommodate only a few. So starting a venture or doing something by oneself is highly beneficial. As human mind is, when is involved in an activity, its not distracted but as we know an ‘‘idle mind is devil’s workshop’’.

·         Being self employed brings a certain responsibility on ones shoulder as one is personally attached to the venture. Thus all efforts are directed to make it a success.. So we have seen that private enterprises have made giant strides in the market in employee benefits where as many Public sector or Govt. controlled units have been shut down owing to poor working culture.

For any student today, the simplest of desire remains to get a good job after completing the academic study. But the real competition in life starts when one goes to write the exam or attend an interview, With applications of thousand candidates for a single post, it turns out to be a rat race where sometimes the more deserved ones too miss out. Then there are problems like Seasonal or disguised employment, unpaid wages and host of other issues to deal with. In a way Self employment is the only way to filter out the leaders from the general public. A nation like India needs leaders in all aspects of life, in politics, beurocracy, industries, or even in general living. For people today who are madly running for money, self employment can be a source of rediscovering oneself, and as always it gives much more pleasure to succeed while walking on the road not taken, generally.

‘‘We all have our own life to pursue, our own kind of dream to be weaving. And we all have some power to make wishes come true, as long as we keep believing.’’

Courtesy: Sanjeet Suman

Why commercial banks fail to recover loan amount from the borrowers?

The business of banking depends upon acceptance of deposits and lending the money received from the depositors for profitable business. Unless effective lending takes place, banks cannot earn profits. The net profit for the bank is the income received through interest on loans and other income less interest paid to the depositors and other administrative expenses. Despite the facts that banks are taking effective steps, many banks are found to be failing in their duties in recovery of loans and bad debts prompt the bankers to close down their businesses at the later stage.

Proper credit investigation: It is the responsibility of the banker to pay utmost importance while selecting a borrower. Any laxity on the part of the banker during the course of selection of the borrower will land him in trouble in future days. There is large number of ways through which the selection of the borrowers can be done in an effective manner. The banker should necessarily follow the various credit investigation tips available to them and this information can be provided to them by senior bankers.

Follow up: Once the loans are granted, it is the duty of the bankers to have regular check up in regard to prompt recovery of installments and interest. The cute bankers start communicating with the borrowers at least seven days in advance so that the borrowers are promptly reminded of their dues and once the borrower understands that the banker is cautious in this respect he never fails to remit the installments promptly and rarely he fails payment of his dues.

Overdues: Despite proper follow up by the bankers, some borrowers fail to remit their dues on account of many reasons namely; they might have lost their jobs thereby losing their salaries; on account of some unforeseen circumstances they may not be able to remit their dues; they are intentionally not willing to pay back their dues; they are least bothered about the outcome in case of their failure to remit the dues etc.

Understanding the defaulter: Once the account becomes overdue and the banker finds that the borrower fails to remit the dues, he should immediately contact the borrower and take necessary steps to find out the exact reasons for not making the payment. In fact this step is very much essential and during the course of discussion with the borrower, the banker may be able to understand the reasons behind the borrower's failure to remit the amount. While in many cases the reasons are found to be genuine, in some cases, the borrowers are found to have intentionally stopped remitting their dues.

Prompt action: When it comes to prompt action on the part of the bankers, namely; sending the reminders; contacting the parties over phone and in person; informing the defaulting borrowers about the consequences in not effecting payments in time; proceeding towards seizing of the securities etc.

Code for recovery: A banker who finds time to follow each account and implements effective strategies at the right opportunity in recovering the dues is found to be successful always and he is instrumental in increasing the profit  for the  bank

What do you mean by sleep disorder breathing?

Why do we require sleep?

Sleep is the most important activity for each human being and in fact sleep is essential for animals, birds and even plants. A person who has been actively working during the day necessarily needs sleep for at least eight hours a day. In the absence of sleep, the nerves start weakening, muscles get tightened and the senses fail to function properly. A person who has the habit of sleeping for less than six hours may not be able to generate more productivity in his work.

How to sleep?:

There are no specific guidelines as to how a person can sleep. It depends upon the convenience and habits. Some like to sleep in beds while many are satisfied in sleeping on floors. Workers prefer sleeping on floors where they can comfortably relax their entire body muscles.

Every person cannot have a sound sleep always. A person who has spent his day time in various kinds of activities gets sound sleep immediately, whereas a person who is not undergoing any physical or strenuous activities during the day often experiences a restless sleep.

Kinds of sleep disorders:

Whatever may be the nature of bed, some persons are uncomfortable during their sleep. The restlessness is on account of problems like suffering from pain in their body parts. Persons of such nature prefer sleeping pills which in due course become indispensable for them. While many have lack of sleep on account of above problems, some suffer due to breath disorders.

Why sleep disorder breathing?

Breathing is a process by which the person inhales the required oxygen through his left nostril and exhales the spent oxygen through his right nostril. This can happen in alternative ways also. The system takes care of the breathing functions and no external efforts are required for the people and in fact this is one visible function which happens automatically without the intervention of the person concerned unlike eating, drinking and urinating.

Sleep disorder breathing occurs on account of several reasons. It can be described as a group of disorders characterized by abnormal functioning of the respiratory systems in the body apart from the quantity of ventilation during sleep.

On the one hand people suffer from respiratory abnormalities on account of improper nasal cavity formations and for many persons nasal blocks are present since birth. It is also possible on account of damage to the nasal passages on account of accidents, heavy cold or high fever etc. The nasal blocks on account of cold or fever can be set right immediately; however, for other cases, a suitable medical diagnosis is essential for the person.

As far as the external environment is concerned sleep disorder breathing happens because of non availability of oxygen inside the room. This happens while the person prefers sleeping in a closed room which has no ventilator arrangements.

Sleep disorder breathing under any circumstances should be set right so that the person is able to breathe comfortably and sufficient quantity of oxygen intake is essential for maintaining good health. 

How to write an essay?

Writing an essay is itself is an art. People may be good in their language, they can talk and communicate effectively, however, writing an essay on a particular subject requires certain practice and guidelines.

The essay should be catchy. The essay is meant for the reader. By reading the first few lines itself, a reader can come to a conclusion that the essay has been written in a good form and it is worth reading.

A lot of guidelines are available through various forums like meetings, seminars and website in regard to presentation of a good essay and the necessary credentials an essay should possess.

In this article some of the points for writing a winning essay has been given in the form of ten golden rules and the points will be definitely useful for the readers towards improving their writing skills

Have a good story: A well thought out story about why the subject chosen makes sense is a fundamental part of any good application. A good story makes an application stand out by tying in personal background/experiences, personality traits and future plans into one compelling and integrated picture

Be consistent: The need to be consistent across various parts of the application, and across all the essays, is closely related to the earlier point. Inconsistencies breed doubt and should be avoided at all costs

Think holistically: It is a good idea to first step back and list out all the essays a school requires before starting work on any particular one. This will help you distribute all the experiences and qualities that need to be showcased

Personalise the essays: Schools prefer to maximize acceptance rates by extending offers to those students who are more likely to accept. Since students generally apply to several schools, essays help schools identify students who are genuinely excited about their programme. Therefore, selectively referencing some aspects of the school(history, programme reputation, professors, clubs) works well.

Demonstrate muted confidence: While it is very important to come across as a confident person, it is equally important to avoid appearing arrogant and/or over-confident. Avoid using superlatives unless absolutely necessary. It is often a good idea to lead readers into making obvious conclusions about your abilities rather than explicitly stating them

Showcase: don't catalogue – achievements . Essays should be viewed as a trophy case to highlight experiences and qualities that will distinguish your application from that of others. Avoid listing every little positive fact about yourself

Use clear and simple structure: With an ever-increasing number of applications to cover, reviewers barely spend a few minutes on each individual essay. Well-structured thoughts make it easy for a reviewer to understand and grasp the contents of an essay quickly. It is therefore important to group related ideas and sequence them logically

Respect word limits: Word limits should be strictly followed. Although hard to practiced, economy of words is a golden rule to follow when writing essays. Reviewers appreciate concise, yet complete answers

Use an active voice and avoid silly mistakes: Use the active voice throughout your essays to bring them to life. Typographical errors should be aggressively avoided. Have someone else review your work, as it is easier for an outsider to catch mechanical errors than it would be for you

Start early: It is very easy to underestimate the work associated with writing essays. Plan ahead and leave sufficient time before deadlines to work on the essays. It is often helpful to begin organizing your thoughts around typical questions very early on (several months in advance) so you can refine and perfect what you are going to write

What do you mean by sleep disorder breathing?

SLEEP DISORDER BREATHING

Why do we require sleep?

Sleep is the most important activity for each human being and in fact sleep is essential for animals, birds and even plants. A person who has been actively working during the day necessarily needs sleep for at least eight hours a day. In the absence of sleep, the nerves start weakening, muscles get tightened and the senses fail to function properly. A person who has the habit of sleeping for less than six hours may not be able to generate more productivity in his work.

How to sleep?:

There are no specific guidelines as to how a person can sleep. It depends upon the convenience and habits. Some like to sleep in beds while many are satisfied in sleeping on floors. Workers prefer sleeping on floors where they can comfortably relax their entire body muscles.

Every person cannot have a sound sleep always. A person who has spent his day time in various kinds of activities gets sound sleep immediately, whereas a person who is not undergoing any physical or strenuous activities during the day often experiences a restless sleep.

Kinds of sleep disorders:

Whatever may be the nature of bed, some persons are uncomfortable during their sleep. The restlessness is on account of problems like suffering from pain in their body parts. Persons of such nature prefer sleeping pills which in due course become indispensable for them. While many have lack of sleep on account of above problems, some suffer due to breath disorders.

Why sleep disorder breathing?

Breathing is a process by which the person inhales the required oxygen through his left nostril and exhales the spent oxygen through his right nostril. This can happen in alternative ways also. The system takes care of the breathing functions and no external efforts are required for the people and in fact this is one visible function which happens automatically without the intervention of the person concerned unlike eating, drinking and urinating.

Sleep disorder breathing occurs on account of several reasons. It can be described as a group of disorders characterized by abnormal functioning of the respiratory systems in the body apart from the quantity of ventilation during sleep.

On the one hand people suffer from respiratory abnormalities on account of improper nasal cavity formations and for many persons nasal blocks are present since birth. It is also possible on account of damage to the nasal passages on account of accidents, heavy cold or high fever etc. The nasal blocks on account of cold or fever can be set right immediately; however, for other cases, a suitable medical diagnosis is essential for the person.

As far as the external environment is concerned sleep disorder breathing happens because of non availability of oxygen inside the room. This happens while the person prefers sleeping in a closed room which has no ventilator arrangements.

Sleep disorder breathing under any circumstances should be set right so that the person is able to breathe comfortably and sufficient quantity of oxygen intake is essential for maintaining good health. 

The seven steps for submitting a quality resume to your employer

Why you should submit a resume?

Your resume is like your passport and it should contain all information required by your prospective employer.

Of late people with good academic qualifications do find difficulty in writing a neat and simple resume and your selection for the interview entirely depends upon the impression you are going to create with your employers by presenting a quality resume.

There are  professional resume writing services and they solve your “resume writing” issues.

How to submit a resume?

Before submitting a resume you should take care of the following points invariably:

1.   You are writing your first name, middle name and last name clearly.

2.    Details of your age, address, contact information etc., are incorporated promptly.

3.   You are furnishing the details of your academic qualifications in ascending order incorporating therein the details of grades, year of completion, names of Universities from whom you acquired your qualifications etc.

4.   You should furnish the details of your professional qualifications highlighting therein the qualification relevant  for the post.

5.    Details of your experiences appropriate for the post should be necessarily mentioned.

6.   Under no circumstances, you should inform that “you are not experienced” for the post and in case of necessity, the above information can be conveyed by you during the course of interview in person.

7.   Please remember that you are not furnishing more than the required details. The employer may not be having sufficient time to read the entire details provided by you. What he needs from you is the “core information” about you, your qualifications and your experience.

How can you get a help?

Professionals in resume writing services can write your resume prepared, written and designed by their educated, talented and experienced writers and submitted to you in time.

Where you want to carry your lap top bag ?

Every business person needs to possess five things when they leave their homes for business purposes: A purse with sufficient money; a credit card; a mobile phone; a neat dress suitable for the profession and a laptop bag.

A professor, trainer, advocate, chartered accountant, doctor, travel agent and many others need lap tops taking into consideration the present day requirements since majority transactions are  executed electronically.

However, while there is no necessity for a lap top bag while the lap top is kept at home or office, a lap top bag with required features is a must while we carry our lap top.

The quality quotient:

The quality of the bag is more important and it should have been made out of a fine quality leather and should be capable of withstanding the weight of the lap top and a bag suitable for one lap top cannot be considered suitable for another. The bag should protect the content during heavy rains; hot sun; inclement weather conditions and it should be capable of withstanding the strains while on tour; travel through car; bus, trains, flight and by some other transportation modes.

Security Convenience:

Additional provisions like small packets, holders within the lap top bag will prompt the user to keep equipments made out of metals like keys, knives, locks etc., which would definitely harm the lap top and the bag. The additional equipments as mentioned  above can hamper the smooth checking procedures during “security checks” at various points like airports, bus stations and various entry points.

The lap top bag should lie flat on the X-ray belt during security check.

The designs:

Different models of lap top bags are available in the market like butterfly, trifold, sleeve, accordion or back pack etc., Depending upon the usage, an appropriate model has to be selected by the user without giving scope for further revision.

Why do you need a quality steam cleaner?

Steam cleaners use steam for cleaning the carpets, floors, windows etc. in houses, business houses and offices. The best steam cleaner which is used for commercial applications removes dirt, stains and allergens apart from eliminating germs and pests.

By using the best steam cleaner at high temperature and pressure levels, mud spots, sugars, food residues and stains can be removed smoothly. The quality of a steam cleaner is determined by its withstanding capacity at high temperature level leading up to 390F. At high temperature the cleaning process will be faster whereas at a low temperature, in order to apply more steam on the target the machine has to be kept for a longer period since the steam inside gets cooled very soon and dirt removal becomes difficult at lesser temperatures.

Many steam cleaners do not withstand high pressure levels and while purchasing a steam cleaner, the above facts are to be kept in mind without fail.

How do you determine a commercial steam cleaner?

The quality of any steam cleaner is determined as to how much pressure and temperature it can withstand. When the steam cleaner is used for applications in hotels, hospitals, departmental stores and restaurants the steam cleaner which can reach high pressure is always used. Since the dirt and strains can be removed at high temperature, steam is required to be passed continuously at high temperature to the spots where accumulation of dirt and strains are found and once the temperature is down, more time is taken to pass required steam and continuous refilling facilities are provided in order to obviate the above difficulties. Towards this direction, a boiler is filled through a non pressurized refill chamber while the machine is kept in idle condition and in case of need, water from the tank is poured in to the main tank where it can be mixed with the already available super heated water. This provision enables steady maintenance of water helping generate continuous steam.  

What do you mean by conflict?

Conflict is part of our life; conflicts within an individual, organization, community, state or country.  In an organization conflicts happen between two groups. The one party can be the management and the other, workers; a group willing to contribute more and the other willing to get more benefits with less contributions; a group belonging to one Union and the other different union etc.

Individuals also face such type of situations; conflict between one part of the mind and the other.  Conflicts are essential for a better living. Conflicts drive the person towards a certain direction and conflicts are part and parcel of everybody’s life.

Factors responsible for conflicts:

The following are the factors responsible for selection of goods by an individual: Taste, preference, availability, rejection and selection.

Conflicts through goods:

Goods are products required by an individual for different purposes. He requires a tooth brush for cleaning his teeth; bread to satisfy his hunger; wine to cool his temper; a bed for  a comfortable sleep; a car for travel  from one place to another; a college to improve learning; a group for recognition and a community for a living.   However, he cannot be satisfied with all brushes which are available in the market. He has a specific taste and according to his taste, he goes to the market and conveys his preference. When he is provided a “good (brush)” product which is nearer to his preference he selects and gets satisfied and he is not provided  his likeable product on account of non availability, he gets “unsatisfied” and starts rejecting the product and the attitude which is responsible for rejecting the product creates a conflict in his mind and in case he is pressurized further to buy the product, the level of conflict within him increases and the internal conflict emanates as an outflow in the form of anger, frustration leading to argument and sometimes a fight.

The vendor is on the other hand understands the preference of his customer and decides to procure more such products. Without conflicts, no development is achieved.

 

Changing conflict conditions in organizations

Conflict is a part and parcel of human life. In the organizations conflict can occur at individual, group and organizational level; however, conflict is inevitable for the growth of the organizations.

In the absence of conflicts, no progress can be achieved and in order to have a balanced work life in the organizations, the changing conflict conditions in organizations should always be looked into and paramount importance has to be given so that the relationship between the workers and the management is maintained in a cordial manner without affecting the productivity of the organization. In fact organization is of paramount importance and activities confronting the work flow process in organizations should be curtailed.

In organizations the work environment is in such a way that the sources of conflict are task and role related.

Task relates to a set of activities as influenced by goals, targets, objectives and procedures less the element of interpersonal interdependence. Role refers as to how these activities are actually performed in relation to other tasks, positions and people in the organizational network.

Task related factors that induce conflict conditions in organizations are:

1.       Short time allotment for the completion of the work,

2.       Complex rules unclear and not properly codified and explained,

3.       In compatible rules which are practically difficult to be established,

4.       Procedures framed basing upon poor insights which are beyond queries and clarifications,

5.       Instructions not directly delivered; however, conveyed through non verbal terms,

6.       Real or anticipated fear of failure in one’s performance.

7.       Difficult and complex tasks that are perceived to be beyond one’s ability and tolerance level,

8.       Insufficient work stimulation, as in the case of repetitive and monotonous tasks which are non motivational,

9.       Excessive stimulation resulting from work overload, and that too when one is psychologically unprepared for it,