It is time to go back to School .Time for Children’s to buy new school bags and stuff as they march towards new session. And many more expenses for parents, as they progress. And this year Parents are busy not in shopping for kids, but in searching their jobs, cost cutting and saving pennies.
Recession has hit hard and has affected and changed not only our economy and life’s. But has taken away smile from the faces of our little ones. As parents deal with the realities of the economic downturn, this article features tips and some guidelines for all those parents, who are affected directly or indirectly.
Recession Rescue Tips:-
One –fourth of the house-hold income goes into eating out. Affecting not only monthly budget but also health. So, plan your week and prepare Make-Ahead meal .It saves time, money and your Childs health.
Most of the time and money is spend on shopping for your kid’s clothes. Try to; swap clothes with family members or friends who have kids younger/elder to yours.
Start collecting Coupons. You might get good deals on many household plus on child products.
You can Sign up with a local moms support group. It is the best way to exchange thoughts with other local moms when you need help.
Instead of buying school bags, accessories, toys etc from Wal-mart or target, buy second-hand toys from Internet sites such as Craigslist and through garage sales.
Stop buying DVDS and CDS and start borrowing it from Library. Kids will enjoy not only movies, but also there weekly trip to library.
Losing your job is hard enough, but losing health insurance doubles the catastrophe.
1. You can register with Children's Health Express Van, as it requires no insurance forms and no fees. There are 37 Children's Health mobile medical clinics in 15 states across the country. It is initially proposed to serve low-income & under-privileged children. But now parents who've lost their insurance or lost their job can use this service.
2. President Obama has recently reauthorized, federally funded CHIP program. This program covers children who are uninsured.
3. You can sign-up for discount drug cards. For more information on this check websites: - rxassist.org, needymeds.org, or PPARx.org.
4. You can inquire about the price tag of a prescribed drug from the Medical provider. And you can save money by discussing the alternative, if it is costly.
5. Coupons and circulars are of great help. Many pharmacies, like CVS and Rite Aid, offer special gift cards coupons usually worth $25 to $30, if you transfer a prescription.
Thursday, July 16, 2009
Sunday, November 30, 2008
Lets act rather than debate.........................
Whole nation was in siege for last 3 days and every Indian was a mumbaikar.Lets all fight together against this mayhem rather than debate; on who is wrong or who should be punished.Yes we are angry and shattered,but is this is enough.No we need to change it ,we just cannot blame and blame the government.We live in democratic nation and it is we the people who choose the government.
No matter who is in power BJP or UPA,terror attacks were always there.And it will continue to happen ,if we the citizens don't change it.How many of us has send there children in military or in politics.And the answer will be "why should we,as there is corruption or there are better options".This attitude is the result of all these terror.We are responsible and rather than playing the blame game,we should take constructive step in making a secure future .It is true that government just react momentarily and make several laws.Which is either opposed by opposition or dumped under files.Government is accountable to the citizen and yes they are responsible.But it is not true that,they are solely responsible.It is whole system and in which the AAM ADAMI plays a vital role.We should speak unless we are not heard.
Today the 24*7,media presence is there.And it gives us the liberty and platform to speak and convey our message to our leaders and system.It was because of media and AAM ADAMI ,that has put Manu Sharma behind bars.Yes we have that power which can change things.Better late than Never.Lets speak against the odds which we see in our society ,speak against the injustice..................
Lets act rather than debate.
No matter who is in power BJP or UPA,terror attacks were always there.And it will continue to happen ,if we the citizens don't change it.How many of us has send there children in military or in politics.And the answer will be "why should we,as there is corruption or there are better options".This attitude is the result of all these terror.We are responsible and rather than playing the blame game,we should take constructive step in making a secure future .It is true that government just react momentarily and make several laws.Which is either opposed by opposition or dumped under files.Government is accountable to the citizen and yes they are responsible.But it is not true that,they are solely responsible.It is whole system and in which the AAM ADAMI plays a vital role.We should speak unless we are not heard.
Today the 24*7,media presence is there.And it gives us the liberty and platform to speak and convey our message to our leaders and system.It was because of media and AAM ADAMI ,that has put Manu Sharma behind bars.Yes we have that power which can change things.Better late than Never.Lets speak against the odds which we see in our society ,speak against the injustice..................
Lets act rather than debate.
Tuesday, September 9, 2008
“Outsourcing-Offshore” an illusion or reality for Unemployment in U.S.
US economy is going through the phase of recession and more- more jobs are now been outsourced. But, still today many of the US techies believed we Indians as the incompetent people, who are not capable enough to perform the Jobs which include strong management or technical skills. Recent survey had shown that, many of the US based technical writer’s thinks: they are the best writers as English is there first language and have questioned the potential of Indian writers. But the bottom line is, IS this true and if not, why we are the victim of outsourcing?
Off shoring is the only option which several US based companies see to do cost cutting and in turn to increase there productivity. Globally, we are blamed for the unemployment in US; we are treated as under dog; working on lower wages and in turn we are blamed on our capabilities/work. Recent discussion and center of the debate in US politics was why outsourcing? In fact Barack Obama, nominee for the US presidential election 2008 said: The No. 1 priority is jobs and job loss and that is something that is hitting communities’ downstate as well as here in Chicago. Everywhere I go people are out of work or they are insecure with the jobs that they have. The whole issue of outsourcing is enormously important. Not only are blue collar jobs being exported now, but you have got white collar jobs going to India and Singapore, and so people feel enormous economic insecurity and that has to be priority No. 1.
Here, are some of the pros and cons of outsourcing and its impact on US and International Market, which will portray a border picture of outsourcing:-
Pros’
• Earlier, the solitary purpose of outsourcing was cutting cost. But now there are many factors which are responsible for outsourcing to offshore.
• Companies want to enhance efficiency and thus in turn reduce there backlog tasks.
• They want to take complete advantage of specialized skills and focus more on there core business.
• By doing so they will be able to satisfy their clients, and save time.
• Mostly Companies hire low cost, extremely qualified, skilled and professional employees when needed and once the project is over these employees will discontinue working for the outsourcer. And hence the companies do not have to spend any extra money and time on upgrading the technology and training of the existing staff.
• Another interesting advantage of outsourcing is that, the companies hiring employees offshore do not have to pay any kind of federal or state taxes for these employees. Thus reducing the operational costs. Also, the outsourced employees are not provided with the companies benefits or compensations as per US work reform laws.
• US with ten different time zones is benefited by the “24/7” coverage in offshore outsourcing. There by providing around the clock support to its customers, even when whole of the US is sleeping.
• Outsourcing has started affecting the economy growth of all the offshore companies and in turn increase in, their standards of living and demand for U.S. products and services.
• Lastly, off- shoring IT jobs to low cost countries is a profitable business strategy, which helps in creating new business and jobs opportunities and also resulting in much higher wages back in US.
Cons
• Loss of job and future prospects of jobs for US people in service and IT sector.
• Language and American accent, affect the quality of customer service and it may result to the attrition of clientele and also affect the business.
• Due to the accent problem, Time to resolve per call is also slow.
• As everybody is rushing in the race of off shoring, to cut the operational cost. It is very important to look at all the aspects of outsourcing. Because there are many fields where you require constant interaction with development team and customers. These require physical presence at the base location and off shoring will not solve the purpose fruitfully.
• And off shoring can result in making of future competitor to your own business.
Above mentioned advantages and disadvantages may help to change the perception of all those people who have either lost their jobs or are unemployed. Finally, as per the Laws of Economics, “Free trade between different countries whether it is for services or goods is always benefited”. And outsourcing/off shoring is nothing but trading services across worldwide. And all those companies which follow this simple rule of Outsourcing at Global arena are going too be benefited in long run. This will open gates for new businesses and ventures and hence will result into many opportunities offshore as well as Onshore.
As very well quoted by Timothy Taylor, managing editor of the Journal of Economic Perspectives, in his article titled "In Defense of Outsourcing."
"If a society attempts…to shut down economic changes, like those from outsourcing, international trade, and new technology, it can avoid some economic disruption in the short run, but at a cost of blocking overall economic gains."
Off shoring is the only option which several US based companies see to do cost cutting and in turn to increase there productivity. Globally, we are blamed for the unemployment in US; we are treated as under dog; working on lower wages and in turn we are blamed on our capabilities/work. Recent discussion and center of the debate in US politics was why outsourcing? In fact Barack Obama, nominee for the US presidential election 2008 said: The No. 1 priority is jobs and job loss and that is something that is hitting communities’ downstate as well as here in Chicago. Everywhere I go people are out of work or they are insecure with the jobs that they have. The whole issue of outsourcing is enormously important. Not only are blue collar jobs being exported now, but you have got white collar jobs going to India and Singapore, and so people feel enormous economic insecurity and that has to be priority No. 1.
Here, are some of the pros and cons of outsourcing and its impact on US and International Market, which will portray a border picture of outsourcing:-
Pros’
• Earlier, the solitary purpose of outsourcing was cutting cost. But now there are many factors which are responsible for outsourcing to offshore.
• Companies want to enhance efficiency and thus in turn reduce there backlog tasks.
• They want to take complete advantage of specialized skills and focus more on there core business.
• By doing so they will be able to satisfy their clients, and save time.
• Mostly Companies hire low cost, extremely qualified, skilled and professional employees when needed and once the project is over these employees will discontinue working for the outsourcer. And hence the companies do not have to spend any extra money and time on upgrading the technology and training of the existing staff.
• Another interesting advantage of outsourcing is that, the companies hiring employees offshore do not have to pay any kind of federal or state taxes for these employees. Thus reducing the operational costs. Also, the outsourced employees are not provided with the companies benefits or compensations as per US work reform laws.
• US with ten different time zones is benefited by the “24/7” coverage in offshore outsourcing. There by providing around the clock support to its customers, even when whole of the US is sleeping.
• Outsourcing has started affecting the economy growth of all the offshore companies and in turn increase in, their standards of living and demand for U.S. products and services.
• Lastly, off- shoring IT jobs to low cost countries is a profitable business strategy, which helps in creating new business and jobs opportunities and also resulting in much higher wages back in US.
Cons
• Loss of job and future prospects of jobs for US people in service and IT sector.
• Language and American accent, affect the quality of customer service and it may result to the attrition of clientele and also affect the business.
• Due to the accent problem, Time to resolve per call is also slow.
• As everybody is rushing in the race of off shoring, to cut the operational cost. It is very important to look at all the aspects of outsourcing. Because there are many fields where you require constant interaction with development team and customers. These require physical presence at the base location and off shoring will not solve the purpose fruitfully.
• And off shoring can result in making of future competitor to your own business.
Above mentioned advantages and disadvantages may help to change the perception of all those people who have either lost their jobs or are unemployed. Finally, as per the Laws of Economics, “Free trade between different countries whether it is for services or goods is always benefited”. And outsourcing/off shoring is nothing but trading services across worldwide. And all those companies which follow this simple rule of Outsourcing at Global arena are going too be benefited in long run. This will open gates for new businesses and ventures and hence will result into many opportunities offshore as well as Onshore.
As very well quoted by Timothy Taylor, managing editor of the Journal of Economic Perspectives, in his article titled "In Defense of Outsourcing."
"If a society attempts…to shut down economic changes, like those from outsourcing, international trade, and new technology, it can avoid some economic disruption in the short run, but at a cost of blocking overall economic gains."
Wednesday, April 9, 2008
Review on Fasting,Feasting
Fasting, Feasting is a cross-cultural blend of Indian and western culture, by Anita Desai. Though very few Indian writers are internationally acclaimed, but this book was able to mark its presence in the finalist at booker prize.
Fasting, Feasting is set in two entirely different and extreme backdrops. First part takes you through a life of a young Girl Uma , from a small town middleclass family in India . She is always overruled by her conservative father from her childhood to adulthood and also by her so called fate. Her feelings are beautifully portrayed by the writer, through characters like, her widow Mira Massi or her alcoholic cousin Ramu .Writer has brilliantly used these characters to display the inner conscious and desire of Uma. While Aruna and their neighbor display the mindset of a girl, who wants freedom and power. Thus first-part talks about Uma’s life and second part takes you far in America, where Arun, the younger brother of Uma, who is also the epicenter of her family, has come to study (which is his father dream, not Arun's). This half of the story is set in the westernized culture of Patton family in America. Anita Desai has brightly described the mind set of an Indian boy in the form of Arun, who is like an alien in this western land. He is surprised, shocked and learning while staying as a guest in Patton’s family.He sees,how the young girl of Patton family is starving for the attention from her mother.And her mother far from her need ,is engaged in dumping grocery in fridge to taking sun-bath....
Thus, the book is all about the human emotions and desire; which one always takes lightly becomes the necessity or you can say need of other. The overprotective and dictating environment, which is burden for Uma becomes desire for somebody else.
Fasting, Feasting is set in two entirely different and extreme backdrops. First part takes you through a life of a young Girl Uma , from a small town middleclass family in India . She is always overruled by her conservative father from her childhood to adulthood and also by her so called fate. Her feelings are beautifully portrayed by the writer, through characters like, her widow Mira Massi or her alcoholic cousin Ramu .Writer has brilliantly used these characters to display the inner conscious and desire of Uma. While Aruna and their neighbor display the mindset of a girl, who wants freedom and power. Thus first-part talks about Uma’s life and second part takes you far in America, where Arun, the younger brother of Uma, who is also the epicenter of her family, has come to study (which is his father dream, not Arun's). This half of the story is set in the westernized culture of Patton family in America. Anita Desai has brightly described the mind set of an Indian boy in the form of Arun, who is like an alien in this western land. He is surprised, shocked and learning while staying as a guest in Patton’s family.He sees,how the young girl of Patton family is starving for the attention from her mother.And her mother far from her need ,is engaged in dumping grocery in fridge to taking sun-bath....
Thus, the book is all about the human emotions and desire; which one always takes lightly becomes the necessity or you can say need of other. The overprotective and dictating environment, which is burden for Uma becomes desire for somebody else.
Sunday, March 16, 2008
Go Goooooooooogle
Today, the whole world is compressed into these thin pads and providing services to any part of world is just a click away. A person seating in remote town of Mexico can teach an Indian cook how to make Tortilla and similarly, a person seating in china can speak in Spanish .Seating in your house from any part of this world, you can search from plumber to electrician not only for yourself, but even for your son who is located in Chicago, you just name and you can find. From learning history of a country or a person..................................just type and learn.
Thanks to Google mania which is making its way from broad rooms to ballrooms. And from school to universities and from house wife to mid wife; precisely everyone is colored in this mania. It all started in late 1996, when two college guys from Stanford explored their idea of a search engine into Google. But it was not an easy path. Just making a search engine was not the end, but most importantly the biggest challenge was ahead; that was how to earn and survive? And, going the why like Yahoo and other companies went for advertising was not their style. They want innovation which was their base .................................and the idea which they implemented was remarkable. It was win-win case for the company as well as for the user and advertiser. They practiced the yellow pages style. That is if a person typed "piano” in the search box, then it will show about the same. But will also list number of paid sites on your right side of window related to piano sales to piano learning classes etc. Precisely every thing which relate to the typed word. And it was this user friendly kind of innovation, which helped Google to go public. And finally from mere a few dollar company they became a billions of dollar business.
They came as a small fish but finally they are emerging as a shark ....................................and big sharks like Microsoft is also lead behind in this race of DOT COM. Google has now a billion & billion dollar company, which started as a vision of search engine and is now resulted into Google video, map, youtube, orkut, spreadsheet, pictures, etc............
Google is the Dream and Hard-work of few high school students,which has proved a difference in the life of;many aspiring students and young entrepreneur's.Lastly,i want to conclude this topic on a beautiful quote by Thomas Edward "All men dream, but not equally. Those who dream by night in the dusty recesses of their minds, wake in the day that it was vanity: but the dreamers of the day are dangerous men, for they may act on their dreams with open eyes, to make them possible."
Thanks to Google mania which is making its way from broad rooms to ballrooms. And from school to universities and from house wife to mid wife; precisely everyone is colored in this mania. It all started in late 1996, when two college guys from Stanford explored their idea of a search engine into Google. But it was not an easy path. Just making a search engine was not the end, but most importantly the biggest challenge was ahead; that was how to earn and survive? And, going the why like Yahoo and other companies went for advertising was not their style. They want innovation which was their base .................................and the idea which they implemented was remarkable. It was win-win case for the company as well as for the user and advertiser. They practiced the yellow pages style. That is if a person typed "piano” in the search box, then it will show about the same. But will also list number of paid sites on your right side of window related to piano sales to piano learning classes etc. Precisely every thing which relate to the typed word. And it was this user friendly kind of innovation, which helped Google to go public. And finally from mere a few dollar company they became a billions of dollar business.
They came as a small fish but finally they are emerging as a shark ....................................and big sharks like Microsoft is also lead behind in this race of DOT COM. Google has now a billion & billion dollar company, which started as a vision of search engine and is now resulted into Google video, map, youtube, orkut, spreadsheet, pictures, etc............
Google is the Dream and Hard-work of few high school students,which has proved a difference in the life of;many aspiring students and young entrepreneur's.Lastly,i want to conclude this topic on a beautiful quote by Thomas Edward "All men dream, but not equally. Those who dream by night in the dusty recesses of their minds, wake in the day that it was vanity: but the dreamers of the day are dangerous men, for they may act on their dreams with open eyes, to make them possible."
Friday, January 4, 2008
Knock -Knock homemaker!!
If you are sailing in same boat, i mean bored with your daily routine of taking care of your family and house. And thinking to find out new ways, to get rid of this routine. Then you are at right place. Here, are some ideas or ways which can help you, to not only get your boring life into an interesting life, but will also help you to earn handsome amount.
As you all are aware about the share-market boom & interestingly it is just a click away from you. It’s an exciting work, where you can just start playing with only Rs.5000-10,000 or even more or less according to your pocket. And can make double or even triple amount, if you invest intelligently and smartly. Here, are few Simple Steps which will help you to start as a beginner:-
After considering all these parameters you can easily trade .This is one of the option to utilize your free time.
For reference , please go through links given below:-
http://www.moneycontrol.com/pehlakadam/
http://content.icicidirect.com/product.asp
As you all are aware about the share-market boom & interestingly it is just a click away from you. It’s an exciting work, where you can just start playing with only Rs.5000-10,000 or even more or less according to your pocket. And can make double or even triple amount, if you invest intelligently and smartly. Here, are few Simple Steps which will help you to start as a beginner:-
- Get an online Demat a/c to do trading. I think best is to open an a/c with ICICI direct.Bcoz it will be linked directly to your ICICI saving a/c. Hence, it will help you to reduce your headache of signing cheque and transferring funds to your demat A/C.
- Now to learn the basic terminology used in this business ;watch CNBC TV 18,Buissness AAJ TAK news channel, or the best is to logon to http://moneycontrol.com/
- And to get the virtual idea of the trade i.e. how to buy& sell shares and when & which one to invest, you can start playing on www.moneybahi.com. It will guide you and help you to gain real time experience in share market.
- Create your portfolio on moneycontrol or rediff .This will help you to keep a track on your investments , plus you can also create a watch-list to track the funds you may be interested in future.
- As a beginner considering ones age the portfolio is created. That is ,if you are 25 years old ,then your capacity to take risk will be high as compare to one of the age 40.And depending on that your investment plan changes too.
- You can also go for Systematic Investment Plan(SIP).Where you can divide your money under different equity and bonds.
After considering all these parameters you can easily trade .This is one of the option to utilize your free time.
For reference , please go through links given below:-
http://www.moneycontrol.com/pehlakadam/
http://content.icicidirect.com/product.asp
Sunday, December 16, 2007
Meaning of colors
To understand the word color what one needs? One need to see the colors ,different colors like red, green,yellow,orange etc. Or one needs to know the meaning of colors.I mean what it stands for, for example red for love & passion,white for peace etc.So according to this only those who can see, can understand the meaning of color.And for those who cannot see , they cannot.Is this life is all about for them or there is any colorful side ? Well answering this is quite tough for me as the world which I and you are seeing from this naked eyes is completely different from them.For us we sometime judge any person by his/her looks or action or words.So this mean that we are better judges or we are the one who can enjoy life ,as we can see everything and understand its meaning.So this mean the person who can see precisely should be happy .But then also why 90% of us are not happy.Why? ?
Life seems to be so so complicated ..................we all are busy in our own life.And always we are thinking about the stupid materialistic problems , which everyone thinks is having in his/her life to be the biggest problem .
In fact iam also driving in the same car ,Recently i shifted to east America and its winter here,every where its white and only white bcoz of snow.And for me its all together a different country,where i don't have much of friends or family ,it feels all alone and the life which was so colorful seems here to be only with only one color that is "White".
I seem to be so depressed and alone that its hard to adjust ,and suddenly the life which i loved so much is feeling like a burden to me.But its this video which all together changed my perception and made me realised that life is not about the artificial colors which one sees , its all about what u think and feel from inside.There are few people in this world who cannot see but then also they find out ways to celebrate each moment .This is the true meaning of color,"digging out happiness from dark".And if you really want to build this feeling in you too then Please see the complete video http://www.youtube.com/watch?v=nhwIFbB5iuo
Cheers,
Ruchi
Life seems to be so so complicated ..................we all are busy in our own life.And always we are thinking about the stupid materialistic problems , which everyone thinks is having in his/her life to be the biggest problem .
In fact iam also driving in the same car ,Recently i shifted to east America and its winter here,every where its white and only white bcoz of snow.And for me its all together a different country,where i don't have much of friends or family ,it feels all alone and the life which was so colorful seems here to be only with only one color that is "White".
I seem to be so depressed and alone that its hard to adjust ,and suddenly the life which i loved so much is feeling like a burden to me.But its this video which all together changed my perception and made me realised that life is not about the artificial colors which one sees , its all about what u think and feel from inside.There are few people in this world who cannot see but then also they find out ways to celebrate each moment .This is the true meaning of color,"digging out happiness from dark".And if you really want to build this feeling in you too then Please see the complete video http://www.youtube.com/watch?v=nhwIFbB5iuo
Cheers,
Ruchi
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