Saturday, 21 January 2012

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Best Diet



Most Asked Questions in the World, Which Diet Is Best For You? There are several different paid website answer this question but still most of the peoples not able to follow perfect diet and hence result in extra body weight, body fat, shapeless body and much more.

|SO here are some tips,which might help to improve your daily diet and health|

Best Diet Tip No. 1: Drink plenty of water or other calorie-free beverages. People sometimes confuse thirst with hunger. So you can end up eating extra calories when an ice-cold glass of water is really what you need. "If you don't like plain water, try adding citrus or a splash of juice, or brew infused teas like mango or peach, which have lots of flavor but no calories," says Cynthia Sass, RD, a spokeswoman for the American Dietetic Association.

Best Diet TipNo. 2: Think about what you can add to your diet, not what you should take away.Start by focusing on getting the recommended 5-9 servings of fruits and vegetables each day. “It sounds like a lot, but it is well worth it, because at the same time you are meeting your fiber goals and feeling more satisfied from the volume of food. You're also less likely to overeat because fruits and vegetables displace fat in the diet. And that's not to mention the health benefits of fruits and vegetables.

Image shown below shows Harvard's New Guide to Healthy Eating


Best Diet Tip No. 3: Consider whether you're really hungry. Whenever you feel like eating, look for physical signs of hunger, suggests Michelle May, MD, author of Am I Hungry? "Hunger is your body's way of telling you that you need fuel, so when a craving doesn't come from hunger, eating will never satisfy it," she says. When you're done eating, you should feel better -- not stuffed, bloated, or tired. "Your stomach is only the size of your fist, so it takes just a handful of food to fill it comfortably," says May. Keeping your portions reasonable will help you get more in touch with your feelings of hunger and fullness.


Best Diet Tip No. 4: Be choosy about nighttime snacks. Mindless eating occurs most frequently after dinner, when you finally sit down and relax. "Sitting down with a bag of chips or cookies in front of the television is an example of eating amnesia, where you mindlessly eat without being hungry, but out of habit," says American Dietetic Association spokesperson Malena Perdomo, RD. Either close down the kitchen after a certain hour, or allow yourself a low-calorie snack, like a 100-calorie pack of cookies or a half-cup scoop of low-fat ice cream. Once you find that you're usually satisfied with the low-cal snack, try a cup of zero-calorie tea.


Credit: webmd.com      


Thursday, 19 January 2012

BBC-دبئی: عالمی نمبر ایک انگلینڈ سرنگوں

نگلینڈ کو پاکستان کے خلاف دبئی ٹیسٹ کے تیسرے دن دس وکٹوں کی شکست کرکٹ کی عالمی درجہ بندی میں پہلی پوزیشن حاصل کرنے کے بعد انگلینڈ کی پہلی شکست ہے۔
انگلینڈ کو آخری بار ٹیسٹ میچ میں شکست دسمبر سنہ دو ہزار دس میں آسٹریلیا کے خلاف پرتھ میں ہوئی تھی۔
دبئی ٹیسٹ کے پہلے دن کی کہانی تیسرے دن دوہرائی گئی۔ پہلے دن انگلش بیٹنگ نے ایک سو بانوے رنز پر گھٹنے ٹیکے تھے اور تیسرے دن انگلش بیٹنگ ایک سو ساٹھ رنز پر سرنگوں ہوگئی
نگلش بیٹنگ کو ملیامیٹ کرنے والی پاکستانی بولنگ میں عمر گل چار وکٹوں کے ساتھ نمایاں رہے جبکہ عبدالرحمٰن اور سعید اجمل نے تین تین کھلاڑیوں کو آؤٹ کیا۔
سعید اجمل نے میچ میں دس وکٹیں حاصل کیں انہوں نے پہلی اننگز میں سات کھلاڑی آؤٹ کیے۔
وکٹ کیپر عدنان اکمل بھی کسی سے پیچھے نہ رہے اور انہوں نے نصف سنچری بنانے کے ساتھ ساتھ دونوں اننگز میں سات کیچ پکڑے۔
ایک سو چھیالیس رنز کے خسارے کو منافع میں بدلنے کے لئے انگلینڈ کو ایک اچھے آغاز کی ضرورت تھی لیکن نہ آغاز اچھا ہوسکا اور نہ ہی مڈل آرڈر مزاحمت کرسکی۔
کپتان سٹراس چھ رنز بناکر عدنان اکمل کے ہاتھوں کیچ ہوئے، وہ ڈی آر ایس کے فیصلے سے مطمئن نہیں تھے۔
ایلسٹر کک نے پانچ رنز پر عدنان اکمل ہی کو کیچ تھمایا اور سکور میں کسی اضافے کے بغیر کیون پیٹرسن بھی ڈیپ سکوائر لیگ پر عبدالرحمٰن کے ہاتھوں کیچ ہوکر پویلین کی راہ لینے پر مجبور ہوگئے۔
ای این بیل کو چار رنز پر سعید اجمل نے ایل بی ڈبلیو کیا اور عبدالرحمٰن نے ائین مورگن کو عدنان اکمل کے ہاتھوں کیچ کرایا تو انگلینڈ کی ٹیم چوہتر رنز پانچ کھلاڑی آؤٹ پر نوشتہ دیوار پڑھ چکی تھی۔
جوناتھن ٹراٹ اور میٹ پرائر انگلینڈ کی آخری امید تھے لیکن عمرگل کی اننگز میں چوتھی وکٹ اور عدنان اکمل کے چوتھے کیچ نے ٹراٹ کو بھی نصف سنچری سے ایک رن کم پر دبوچ لیا۔
شام کے گہرے ہوتے ہوئے سائے میں انگلش بلے بازوں کے سامنے بھی اندھیرا چھاگیا ۔عبدالرحمٰن نے لگاتار گیندوں پر سٹورٹ براڈ اور کرس ٹریملیٹ کو آؤٹ کردیا۔
جیت پر مہر تصدیق سعید اجمل نے ثبت کی جب انہوں نے گریم سوان کو اسد شفیق کے ہاتھوں کیچ کرا دیا
Man of the Match-Magical





Types of Tenders and Details

What is Tendering?
Tendering is the process of making an offer, bid or proposal, or expressing interest in response to an invitation or request for tender. Organisations will seek other businesses to respond to a particular need, such as the supply of goods and services, and will select an offer or tender that meets their needs and provides the best value for money.



What is Estimation?
An estimate is calculation of quantities of various items of works and expenses likely to be incurred thereon.

Why Tendering is important?
Construction usually involves big amount of money and often give rise to situation of fraud and corruption thus the purpose of the tendering is to make sure that the appointment process of contractor is done in transparent way and unbiased all the responsibility lies within the quantity surveyor.There are several ways in which a tender can be made and its details as below:

Tendering Methods

Open Tender: Open tender is an arrangement where an advertisement in local newspapers or trade journals invites contractors to apply for tender documents.
A deposit is usually required to ensure that only serious offers are made;
Presumably it is needed to cover the cost of copying the documents. Local authorities have been advised against open tendering because it often leads to excessive tender lists where the cost of abortive tendering is considerable. There are instances of selection criteria being applied after the tender has been submitted, so a bid could be rejected if a contractor does not belong to an approved trade association, for example, after he has submitted his tender. They argue that this method allows new contractors to join the market and increases the chance of gaining a low price. Regional and national contractors avoid this method because they can see no reason to compete against anyone who asks to be included on the tender

Advantages of Open Tender
The main advantage of such tendering is as follow:
  • Give high level of competition and contractors tend to give best prices as compare to other tendering method.
  • There is no list of restrictive tenderers, which does not allow favoritism.
  • It is very transparent process, which ensures that only the contractor with the best price and meeting all the technical requirements will win the tender.
  • This process is usually managed by procurement board where its staff are trained for such exercises and board ensure that all the procedures involved in tender are followed.
Disadvantages of Open Tender
  • The low price usually detriment of quality and often result in the client obtaining poor quality job and late completion of work.
  • Given that its open tender and thus there are no restrictions on the number of contractor who can bid and become bulky and lengthy job for tender analyses which often result in delays and high cost.
Selective tender: Selective tendering consists of drawing up a list of chosen firms and asking them to tender. It is by far the most common arrangement because it allows price to be the deciding criterion; all other selection factors will have been dealt with at the pre-qualification stage. There are three ways in which selective tendering lists are drawn up:
  • An advertisement may produce several interested contractors and suitable
Firms are selected to tender.
  • The consultants may contact those they would wish to put on an ad-hoc list.
  • Many local authorities and national bodies keep approved lists of contractors in certain categories, such as work type and cost range. Contractors who ask to be included on select lists of tenderers are usually asked to provide information about their financial and technical performance, particularly about the type of work under consideration. The National Joint Consultative Committee for Building (NJCC) has written the ‘Standard form of tendering questionnaire – private edition’ so contractors can prepare answers to relevant questions in advance. The questions mainly deal with projects carried out during the previous three years. Once the form has been completed, it can be used for specific projects or for those compiling lists of selected contractors.
Advantages of Selective Tender
  • Give that only few numbers of contractors are invited to submit the bid which make the tendering process less bulky and faster compare to open tender.
  • The risk of obtaining a lower price with poor quality job is remote because contractors are usually short listed on the bases of past track record and reputation in the industry.
Disadvantages of Selective Tender
  • The client may not be getting the most competitive price given that the contractors will be submitting the bid price according to the short listed competition; this may give rise to collision by pushing the price much higher and outsource the project to other contractors, however this is not legal.
Negotiated Tender :under this method normally one contractor is approached and such tender mainly used for specialist work such as lift system or airport project at big level, in such case there are limited number of contractor who do such work in the market .it is based on one-to-one discussion with contractors to negotiated the terms of contract.

Wednesday, 18 January 2012

Loan and Credit card Fears

Most common question asked by all those employes who leave their jobs or forced by the employers to go back home during resession period in 2009 is:




What will happen if you don’t pay your credit card debts?

Well the answer is quite disappointing,because many of those employee,who was kicked out by their employer are still looking for job or trying to manage some unwanted jobs,so they can deal with their family budget at least.

As far home loan,cash loan or credit loans are concerned,the answer is very hard but simple,that what ever you took from the banks you got to pay them back,because if you dont, they gonna wait for you for small period of time  and then start knocking off you door.

All banks hire recovery agent in native countries to recover their amounts and pay small part of that amount as commission to recovery agents.

Recovery agents does not deal the way bank people do,agent just send one or two notices by email/mail and then start looking for you and your home.

Most of the recovery agent come with harsh tones and try maximum to put pressure so they can get things done as soon as possible,but its never been simple.

Now lets talk about solution

The only solution is to deal with situation rather then hiding under own shadow and if you do they come harder on you each time,so better face them,talk to them,explain them and give a offer which is possible.

Yes that is right you got to make an offer to them,because they won't leave you door step without having convincing answer,so its better to arrange for some money from friend  or family and pay the initial installment which is usually 10% of the total amount and rest payment in small installments which should be acceptable for both parties.


>Benefit of doing that<

The benefit of doing that is you gonna get your name out of exit control list and you can resume your job with ex. employer or with new one.they gonna give you letter stating all the conditions,you can present the same letter to immigration guys for clearance.

Conclusion

I will conclude simple way:dont run from loans,face the recovery agents and deal with them,because if you dont,it will only make things worst for you.

I hope this help for those going through this situation.






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