In order to build that nest egg for the future.you'll need to start saving to generate some cash.Here are six strategies for developing the habit.
1.PAY OFF YOUR DEBT:- The smart way to start saving is to clear your debts first. Think a moment-you could be paying over 30 percent interest on a credit card debt.commit yourself to paying off a set amount each month.Then,when the debt has gone.put the money you would have paid in interest each month into a regular saving plan.
2:- SAVE SOMETHING. Make small daily savings.They soon mount up.Put spare cash into a jar:take a packed lunch to work:cut down on those expensive cappuccinous-and stop smoking.Avoid buying clothes and other things you can do without.By the month end .you'll have a small sum to put into a saving plan.
3:-PUT WINDFALLS TO WORK. Perhaps you worked overtime recently.received a tax refund,a bonus or small inhentance?It's not part of your regular income-so you won't miss it if you save it.
Tuesday, March 11, 2008
BEST WAY TO LOSE?
A recent study in the Journal of the American Medical Association (JAMA)claimed that people who went on the Atkins Diet lost more weight after 12 months(and it was better for their heart)than those on three other popular diets.However,the researches' analysis showed there was no statistically significant difference in weight loss on the Atkins,Ornish and LEARN diets after a year.This is not surprising,since most people didn't follow any of the diets very well.What this study really shows is that it's hard to lose weight just from reading a book.That's hardly news to anyone who has ever tried.In our earlier research,also published in JAMA,most people followed the program I recommend and lost 10 kilos on average in the first year and kept off half that weight five years later.Their LDL(bad)cholesterol fell by an averageof 40%in the first year without drugs.Also,they showed reversal of heartdisease after one year and even more improvement after five.This doesn't mean you should never indulge in bacon,burgers and cheese.just don't kid yourself that these foods are good for your heart.
Sunday, March 9, 2008
THESE BUGS MAKE YOU BETTER
Bacteria are bad,right?Not always.Yes,they can cause illness.
But some of them,called probiotics,are actually good for you.
In short,while harmful bacteria hate your guts,probiotic bacteria love your guts.
There are trillions of the healthy kind in the body,especially in the mouth,gut and vagina.
Those in your belly live in a complex ecological equilibrium with other bacteria and help keep harmful ones from growing.
Some produce healthy vitamins B and K.they may also aid digestion,improve absorption of nutrients,help reduce the formation of carcinogens and enhance immune function.
But many forces can throw off this delicate balance.Among them:aging,alcohol,poor diet,chronic illness and possibly even stress.
Antibiotics are particularly trouble some.They destroy many of the beneficial bacteria on the way to killing the disease causing ones they're prescribed to treat.
When the balance in the digestive tract is disrupted,some of the harmful bacteria can grow too numberous,like weeds taking over a lawn,and cause intestinal distress,diarrhoea or worse.
Probiotics may help restore equilibirum.They're found in foods like curd and indietary supplements that contain various strains of Lactobacillus and Bifidobacterium,among others.
By:- Dr. Dean Ornish
But some of them,called probiotics,are actually good for you.
In short,while harmful bacteria hate your guts,probiotic bacteria love your guts.
There are trillions of the healthy kind in the body,especially in the mouth,gut and vagina.
Those in your belly live in a complex ecological equilibrium with other bacteria and help keep harmful ones from growing.
Some produce healthy vitamins B and K.they may also aid digestion,improve absorption of nutrients,help reduce the formation of carcinogens and enhance immune function.
But many forces can throw off this delicate balance.Among them:aging,alcohol,poor diet,chronic illness and possibly even stress.
Antibiotics are particularly trouble some.They destroy many of the beneficial bacteria on the way to killing the disease causing ones they're prescribed to treat.
When the balance in the digestive tract is disrupted,some of the harmful bacteria can grow too numberous,like weeds taking over a lawn,and cause intestinal distress,diarrhoea or worse.
Probiotics may help restore equilibirum.They're found in foods like curd and indietary supplements that contain various strains of Lactobacillus and Bifidobacterium,among others.
By:- Dr. Dean Ornish
Friday, March 7, 2008
RISING OF BPOs AND IT SECTORS
In the past few years,the world,especially India,has considerable rise in Business Process Outsourcing(BPO)'s.
And with the boom in the IT industry in India, many global companies are steeping on to Indian shores to set up BPOs,
thus enhanching career opportunities.Companies look at outsourcing their business processes not only as a proven way to reduce cost,
but to enable greater focus on the core business.Is India ready to face the competition with the other countries like China and Philipines,
which are becoming viable options for outsourcing?
India's competitive edge in the outsourcing sector hinges on its cost effective business model.Certain operations are being outsourced to us,
as we posses a language adavantage over other competitors like China or Brazil.
Eight out ten organisations thinking of outsorcing,think of India first.
"We continue to face the high growth that we have become famous for.There is a lot of talk in the market regarding how the rupee appeciation affects.
Some people think that might get in the way of the growth of the BPO industry-one is the increasing salaries in India and the other is the rupee.
But is you really look at the cost of talent in the developed markets,that is also growing.The basis of offshoring work to countries like India, China and Philipines is not going to go away.
And with the boom in the IT industry in India, many global companies are steeping on to Indian shores to set up BPOs,
thus enhanching career opportunities.Companies look at outsourcing their business processes not only as a proven way to reduce cost,
but to enable greater focus on the core business.Is India ready to face the competition with the other countries like China and Philipines,
which are becoming viable options for outsourcing?
India's competitive edge in the outsourcing sector hinges on its cost effective business model.Certain operations are being outsourced to us,
as we posses a language adavantage over other competitors like China or Brazil.
Eight out ten organisations thinking of outsorcing,think of India first.
"We continue to face the high growth that we have become famous for.There is a lot of talk in the market regarding how the rupee appeciation affects.
Some people think that might get in the way of the growth of the BPO industry-one is the increasing salaries in India and the other is the rupee.
But is you really look at the cost of talent in the developed markets,that is also growing.The basis of offshoring work to countries like India, China and Philipines is not going to go away.
CONNECTING LIFE TO LIVELIHOOD
Finance minister P.Chidambaram recently expressed that he could not understand why people did not mind paying ten or twelve
for a bottle of mineral water but made such a fuss when the price of wheat went up by one or two rupees.He spoke and how the gap is widening each day.
The current growth process in the economy calls for concentrated programme action to link the rural unemployed youth with the job providers.
Many organisations are moving towards the smaller towns ,opening up centres there and also providing employement opportunities to people who hail from there.
But does our government have anything to do when it comes to bringing rural India closer to these burgeoning MNCs and other organisations?
"The Ministry of Rural Development has developed some programs in rural areas through the state governments for poverty reduction,employment generation,rural infrastructure
habbitant development,provision of basic minimum services,etc."expresses S M Khan,additinal Director General-PIB,Chief Spokeperson
(Ministry of rural Development),Minstry of Information and broadcasting,Government of India while talking about the initiatives the Ministry of Rural Development has undertaken.
for a bottle of mineral water but made such a fuss when the price of wheat went up by one or two rupees.He spoke and how the gap is widening each day.
The current growth process in the economy calls for concentrated programme action to link the rural unemployed youth with the job providers.
Many organisations are moving towards the smaller towns ,opening up centres there and also providing employement opportunities to people who hail from there.
But does our government have anything to do when it comes to bringing rural India closer to these burgeoning MNCs and other organisations?
"The Ministry of Rural Development has developed some programs in rural areas through the state governments for poverty reduction,employment generation,rural infrastructure
habbitant development,provision of basic minimum services,etc."expresses S M Khan,additinal Director General-PIB,Chief Spokeperson
(Ministry of rural Development),Minstry of Information and broadcasting,Government of India while talking about the initiatives the Ministry of Rural Development has undertaken.
Thursday, March 6, 2008
INFORMATION TECHNOLOGY
Information Technology has put India in the trajectory of faster economic growth and social development.
But till recently the benefits of the IT boom was the privilege of a few urban dewellers.
However,with the growth in IT and a change in the expantion plans,many firms are moving towards Tier 2 and Tier 3 tows.
Smaller towns like mysore,coimbatore,madurai,khochi,vishakapatnam,Nagpur,Ahmedabad,Chandigarh,Gurgaon,Noida,Guwahati,bhubaneswar are emerging as favoured IT destinations.
Many IT majors like Infosys,TCS,IBM,Satyam have centres in these towns.The bigger cities have almost reached a saturation point with regard to infrastructure and other facilities.
Also the demand for quality talent is growing day by day,forcing the firms to find newer pastures for getting talent.
"Good educational infrastructure,availbility of skilled resources nad favoyrable real estate optionshave made small towns an ideal destination for IT companies looking to enchance their return on investment,"
says Bhaskar Das,VP,HR,Cognizant.
Mysore has the required infrastructure and environment to foster growth of IT very rapidaly.
The more affordable infrastructure costs,cost of living,close proximity to Banglore, and presence of good educational institutes are some of the evident reasons for us to set up our global training and development centre in Mysore,
"explains Vignesh Hebbar,Associate VP,Professional Services and Marlabs India.
But till recently the benefits of the IT boom was the privilege of a few urban dewellers.
However,with the growth in IT and a change in the expantion plans,many firms are moving towards Tier 2 and Tier 3 tows.
Smaller towns like mysore,coimbatore,madurai,khochi,vishakapatnam,Nagpur,Ahmedabad,Chandigarh,Gurgaon,Noida,Guwahati,bhubaneswar are emerging as favoured IT destinations.
Many IT majors like Infosys,TCS,IBM,Satyam have centres in these towns.The bigger cities have almost reached a saturation point with regard to infrastructure and other facilities.
Also the demand for quality talent is growing day by day,forcing the firms to find newer pastures for getting talent.
"Good educational infrastructure,availbility of skilled resources nad favoyrable real estate optionshave made small towns an ideal destination for IT companies looking to enchance their return on investment,"
says Bhaskar Das,VP,HR,Cognizant.
Mysore has the required infrastructure and environment to foster growth of IT very rapidaly.
The more affordable infrastructure costs,cost of living,close proximity to Banglore, and presence of good educational institutes are some of the evident reasons for us to set up our global training and development centre in Mysore,
"explains Vignesh Hebbar,Associate VP,Professional Services and Marlabs India.
Wednesday, March 5, 2008
THE TIE THAT BINDS
According to a Manpower report 'The Changing World of Work'.
"Today's world of work is unrecognisable from the workplace of only a few years ago.
Employers and employees have embraced revolutionary communications advances,the introduction of flexible working
arrangements.greater diversity in the workplace,and significant restructuring of working arrangements through outsourcing and off shoring.'
However,while all businessess need to manage today's changes they must also prepare for the work place of the future:how they will need to operate to remain competiotive,demands of a flexible workforce,
the impact of techonology and the skills they will need to maximise the opportunities ahead.
"The great workplace of the future will take an infrastructural view of itself.At the bottom would be the physical infrastructure ,above it will be the emotional infrastructure.
The purpose of leadership would be to focus on all the three at all times ,'says Subroto Bagchi,COO,mindtree consulting.
Adds Vasanthi Srinivasan,Associate Proffesor,Organisational Behaviour and HR management ,IIK,Banglore,'Employees will look for friendship, support,care,growth,autonomy,learning and integrity from workplaces in the future.'
"Today's world of work is unrecognisable from the workplace of only a few years ago.
Employers and employees have embraced revolutionary communications advances,the introduction of flexible working
arrangements.greater diversity in the workplace,and significant restructuring of working arrangements through outsourcing and off shoring.'
However,while all businessess need to manage today's changes they must also prepare for the work place of the future:how they will need to operate to remain competiotive,demands of a flexible workforce,
the impact of techonology and the skills they will need to maximise the opportunities ahead.
"The great workplace of the future will take an infrastructural view of itself.At the bottom would be the physical infrastructure ,above it will be the emotional infrastructure.
The purpose of leadership would be to focus on all the three at all times ,'says Subroto Bagchi,COO,mindtree consulting.
Adds Vasanthi Srinivasan,Associate Proffesor,Organisational Behaviour and HR management ,IIK,Banglore,'Employees will look for friendship, support,care,growth,autonomy,learning and integrity from workplaces in the future.'
VIRTUAL WORKINGS?
There was a time when your workplace comprised of only one thing:work!You signed in at a particular time and left at a given time .
Walking in late was a major faux pas,taking a half day was like committing a grave sin and taking a day off on a weekday was even worst.
However,you no longer work in the 'dark ages' as workplaces have become relatively 'chilled'out.
your employer no longer thinks like a neanderthal,who once beleived that work was only supposed to be done in an office ,flexi-timmings are a curse and workplaces are not supposed to be fun.
However,with the changing times,working from home is considered to be one of the best concepts that could have been implemented and the workplace have to become more virtual than it was before.
However,the questions that arises is,is a virtual workplace better than a personal workshop?
Walking in late was a major faux pas,taking a half day was like committing a grave sin and taking a day off on a weekday was even worst.
However,you no longer work in the 'dark ages' as workplaces have become relatively 'chilled'out.
your employer no longer thinks like a neanderthal,who once beleived that work was only supposed to be done in an office ,flexi-timmings are a curse and workplaces are not supposed to be fun.
However,with the changing times,working from home is considered to be one of the best concepts that could have been implemented and the workplace have to become more virtual than it was before.
However,the questions that arises is,is a virtual workplace better than a personal workshop?
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