Property, Real estate slump in Lahore Pakistan: Massive Immigration and Migration to foreign countries

Due to slump and terrorism, people are not investing their money in real estate in Lahore. Few property dealers told me that no sale purchase is taking places for last six months. Property sale purchase is badly affected due to terrorism attacks in Lahore and current law enforcing agencies operation in Swat and adjacent areas. Once I listed my plot for sale on Dubai property website. One dealer joked that there is one bomb attached to each plot in Pakistan. I told him that law and order situation is not as bad but at least it shows bad impression of law and order situation in Pakistan.
Rich and professional people are quickly immigrating to advanced social welfare countries like Canada, Arab countries, UK, USA and many European countries. Countries like Canada are considered heaven in Pakistan. This migration is taking place due to law and order situation, lack of sense of security and electricity load-shedding in Pakistan.
According to many property dealers comments I learnt that property sale purchase is at minimum level these days. In one of my property survey which I conducted across Lahore, I found that people have set their own wishful prices for their properties but there are very few sellers. People are not ready to take risks. People are avoiding any types of investment due to slump and poor safety situation in Pakistan. These days I am searching any cheap home for our family residence. I am unable to find any good home due to the fact that people are not ready to sell their property at lower prices. Despite this property slump, people are waiting for any good time in future where they may get higher prices for their property. However by analyzing situation in Pakistan one can easily infer that such time would not come in near future. However needy people, business changers, immigration and migration seekers are selling their property at lower prices.
Further many routes in Lahore are closed due to constructions of bridges and roads. In the absence of alternative routs, constructions of these bridges and roads have doubled the distance to central places of Lahore. These blockages of routes have caused people to shift to other places by selling their properties at lower rates.

In response to this articles I received a letter from a person. After proofreading, letter is provided as it was sent to me. "I do not agree with the first paragraph of your email. People are moving out of country for some other major reason then load shedding and even law and order issue come later. The main reasons for migration are to find a better job, getting higher education or money. Pakistan are producing more professional but not providing enough jobs. The job salary are also very low compare to the prices these days. The main charm to work outside the country is to make more money to take care of their families which is very hard in Pakistan these days. But regardless of the above the percentage of immigrants are very low compare to the Pakistani population and few numbers of people who are selling their properties and going out of country should not effect the country's economy or local market. Regarding Properties values, in the whole world the property values went up around 5 years ago and now they are coming back down. In USA prices already went down and its a good buyer market, in Dubai the storm just hit there and it will take time to be normal. In Pakistan the prices of the properties are going down gradually as there is less buyer and more house out there for sale."

My reply to this letter "At least you have acknowledged that people are migrating to foreign courtiers for better future. Please note that law and order situation, safety and economy are very important factors." Here I concede that basically people migrate to rich countries like UAE, Saudi Arabia, Canada, USA, Britain and European countries for earning money. Pakistani expatriates in these countries are taking ten times more salaries than they take in Pakistan. However there are many other reasons. Daily life stress and societal strifes are common in Pakistan. Many people told me that they left Pakistan because they were sick of bad system and frequent quarrels in Pakistan. There societal conflicts and poverty. General people earn money by having fights and fraud. There exist too many disputes in property issues.

English for all like me: intermediate to Advance level

Stop watching movies, start watching TV.

Latest videos to download
New video podcasts available to download including Passport to English, Ten Words About, Talkabout and a new series of English Bites. Subscribe to get the latest videos download automatically when they are released.

visit : http://australianetwork.com/learningenglish/

Easy Math tricks for Dummies

This is the EasyCal Series of 30 Fast Math Tricks Videos. Its a Vedic style of mathematics that will help anyone of any age to solve math problems in 1 or 2 lines mentally. anyone that wants to advance in their career or make good grades in math class should download this series.
This is perfect for accountants, bank jobs, or any other positions that deal with mathematics.

Download:
http://rapidshare.com/files/291885699/EasyCal_Series_of_30_Fast_Math_Tricks_Videos_www.dl4all.com.part1.rar
http://rapidshare.com/files/291899121/EasyCal_Series_of_30_Fast_Math_Tricks_Videos_www.dl4all.com.part2.rar
http://rapidshare.com/files/291982045/EasyCal_Series_of_30_Fast_Math_Tricks_Videos_www.dl4all.com.part3.rar

mobile phones are three time more than computers

Did you know?
There are three times more cellphones than computers in the world.
Daily mobile Internet usage has more than doubled in just one year

A treadeoff between Bonuses and people views

Goldman is no different from most Wall Street firms: it rewards bankers and traders who make lots of money.

“They do it because they can,” Michael Useem, professor of management at the Wharton School at the University of Pennsylvania, said of the bonuses. “But strategic thinking requires that you think not only about trading but also about reputation and where the bank stands in the court of public opinion.”

This much is indisputable: Goldman Sachs is minting money. Its third-quarter profits were powered in large part by aggressive trading in the fixed income and equity markets.

Its earnings were also bolstered by mark-ups in its own private equity stakes and other corporate investments, which have risen as markets have rallied this year. Its earnings from investment banking were down from the second quarter, it said, because of the seasonally weak summer months and because the second quarter had been enhanced by underwriting business as other banks had rushed to raise capital.

CFA or Financial Engineering

There are m,any areas in finance and banking. If you are keen in the treasury, quantitative risk management and derivatives, then financial engineering training is vital. However, if you are keen in analysing financial statements, the business of companies, equity / bond analysis, then a CFA is more relevant. In financial engineering, you will capitlise on computing and advanced probability and statistical methods to solve problem (without possibly understanding the business of the corporates that you are analysing). So it all depends on which area of banking you prefer.
CFA is a self-study certification well regarded in asset management industry (at least used to be).
mfe is a degree program that you can do part-time or full-time. it will get you into quantitative finance (or computational finance) roles, which are related to trading in the capital markets, eg you assist traders by churning out useful spreadsheets. very different from asset management. more brain power and less soft skills needed.

Marketing on mobiles in Pakistan: A Younger Generation

Cell phones, personal digital assistants and other handheld devices have become daily necessities for many teenagers and young adults. That fact has not escaped the attention of companies that have had great difficulty reaching young consumers through traditional marketing approaches — TV and radio commercials, magazine ads, direct mail campaigns and so on. In theory, the mobile platform provides the perfect mechanism for reaching young consumers. A large retailer, for example, might send a group of teenagers at a shopping mall various electronic coupons on their phones to promote special discounts. In reality, though, the success of mobile marketing campaigns has been mixed, in part because many companies don’t understand what truly influences whether young consumers will accept having branding and marketing communications sent to them on their mobile devices. Will they, for instance, be enticed by receiving electronic coupons on their cell phones, or will they be annoyed?

To answer such questions, we recently conducted a study in the United States and Pakistan that investigated why some young consumers are willing to participate in mobile activities — accessing mobile content, registering for contests and permitting companies to deliver advertisements via their cell phones — while others aren’t.

Open Internet or Open Edge

Some telecom experts say that broadband is the most profitable service offered by phone and cable companies, and they are simply trying to offset declining revenue from their traditional phone business.
Advocates of network neutrality also claimed that dismantling the rule would be the first step toward distributors gaining control over content, since they could dictate traffic according to fees charged to content providers. The fortunes of a certain Web site, in other words, might depend on how much it could pay network providers, rather than on its popularity.
Mr. Topolski discovered that Comcast was slowing a video file-sharing service called BitTorrent. That discovery eventually led to sanctions against Comcast by the FCC. Comcast has appealed the decision, arguing the FCC did not have the authority to make such a ruling.
carriers won't become kingmakers so long as the faster service at a higher price is available to anyone willing to pay it.
Amazon's popular digital-reading device, called the Kindle, offers a dedicated, faster download service, an arrangement Amazon has with Sprint.
Google's proposed arrangement with network providers, internally called OpenEdge, would place Google servers directly within the network of the service providers, according to documents reviewed by the Journal. The setup would accelerate Google's service for users. Google has asked the providers it has approached not to talk about the idea, according to people familiar with the plans.

Sabbatical Holidays

The foundational Bible passage for sabbatical concepts is Genesis 2:2-3, in which God rested (literally, "ceased" from his labor) after creating the universe, and it is applied to people (Jew and Gentile, slave and free) and even to beasts of burden in one of the Ten Commandments (Exodus 20:8-11, reaffirmed in Deuteronomy 5:12-15). Sabbaticals are often taken by professors, pastors, cartoonists, musicians, programmers, and sportsmen. Biblical Sabbath is the origin of the present-day practice of "the weekend", Saturday and Sunday, in which most employees usually do not have scheduled work.

Renewable Energy

* Introduction

* Hydro

* Wind

* Renewable Energy Proposals in Tasmania

* Mandatory Renewable Energy Target



Introduction

Renewable energy is produced from resources that replenish themselves in a short time frame. For example, energy obtained from wind power or water (hydro) does not "use up" any resources in its creation, thereby ensuring an inexhaustible supply. Other forms of renewable energy include solar photovoltaic, solar thermal, geothermal, wave and biomass.

Fossil fuels, such as oil, coal and gas, are finite resources, which are being depleted at a rapid rate, as well as producing carbon dioxide (CO2), a greenhouse gas of major concern in the issue of global warming.

Renewable energy produces less CO2 emissions than energy obtained by burning fossil fuels, and is consequentially a preferable source of energy.

Tasmania is currently the leader of renewable energy generation in Australia and is well known for its impressive hydro electricity system. Tasmania also has one of the best performing wind farms in the world at Woolnorth on the North West coast of Tasmania.

Renewable hydro and wind power currently represents 87 per cent of mainland Tasmania's installed electricity generation capacity.

There is significant potential for the expansion of renewable energy generation in Tasmania and for Tasmania to become a showcase for tomorrow's renewable energy technologies.

top

Hydro

Tasmania is unique within Australia as the only State that generates a large proportion of its electricity from hydro-electric power schemes.

Hydro has been the predominant source of electricity in Tasmania since the first power stations were built in the early 1900's.

To date, there are 29 hydro-electricity power plants in seven different catchment areas throughout Tasmania.

These catchment areas are:

* Great Lake - South Esk;
* Derwent;
* Mersey Forth;
* Gordon - Pedder;
* Pieman - Anthony;
* King; and
* Yolande

The State's hydro-electric resources are managed by Hydro Tasmania, a State-owned Company. Further information regarding Hydro Tasmania's hydro-electricity system can be found on their website.

In addition to Hydro Tasmania's large hydro scheme, the Rivers and Water Supply Commission (RWSC) currently own and operate a 2 megawatt (MW) mini-hydro generator at the Meander Dam in the State's North. The mini-hydro generator is connected to the State's electricity grid.

top

Wind

Lying in the path of the Roaring Forties - the prevailing westerly winds that circle the earth's high southern latitudes - Tasmania has world class resources for the generation of wind power.

Currently, there are two operating wind farms in the State - Woolnorth Wind Farm in the State's North-West and the Huxley Hill Wind Farm on King Island.

There are a number of privately owned wind turbines in the State; including a 225 kilowatt (kW) wind turbine located on the Nicholas Poultry Farm and two wind turbines on Flinders Island with a combined generation capacity of 80 kW.

Additionally, there are a small but growing number of Tasmanian customers with distributed renewable energy generators, based on wind, solar photovoltaic cells and rubbish tip methane.

Woolnorth Wind Farm

The 140 MW Woolnorth Wind Farm site is located on the historic 'Woolnorth' grazing property on the far north-west tip of Tasmania. The three stage project was completed in May 2007 and is the biggest wind farm operating in the southern hemisphere. Woolnorth Wind Farm is owned and operated by Roaring 40s Pty Ltd - a partnership between Hydro Tasmania and the China Light and Power Group.

Huxley Hill Wind Farm

The Huxley Hill Wind Farm is located on King Island and was the second commercial wind farm to be established in Australia. Hydro Tasmania owns and operates the Huxley Hill Wind Farm.

Commissioned in 1998, the Wind Farm originally consisted of three 250 kW Nordex wind turbines. In 2003 the Wind Farm was expanded with the addition of two new 850 kW Vestas turbines, bringing the Wind Farm's total installed capacity to 2.45 MW.

The Wind Farm is a significant contribution to King Island's electricity system, now accounting for 35 per cent of the Island's electricity generation capacity and saving some $1 million per annum on the alternative of full generation by diesel fuel.

The wind turbine generators on King Island are restricted to providing a maximum of 70 per cent of the Island's energy needs at any one time, because of the inherent variability in wind and the inability of the wind turbines to independently manage system frequency and voltage.

Nichols Poultry Wind Turbine

Blowing in the Wind Pty Ltd own and operate a 225 kW wind turbine at the Nichols Poultry Farm in Sassafras. The electricity generated by the wind turbine is used to supply the Farm's processing plant and when it is not needed on site, power is fed back into the State's electricity grid.

The State Government contributed $65,000 to the project through the CleanBiz grant scheme, which encourages Tasmanian enterprises to adopt clean, green and resource efficient pratices.

Nichols Poultry expects that the installation of the wind turbine will reduce the Farm's energy bill by about 60 per cent and capital investment in the project is likely to be returned in about three to five years.

top

Renewable Energy Proposals in Tasmania

There a number of new proposals and projects taking place within the renewable energy sector in the State. These developments include:

Wind

Roaring 40s' proposed Musselroe wind farm, which is in the final stages of turbine procurement, will provide an additional 129 MW of electricity generation capacity to the State.

The Musselroe wind farm site is in the north east of the State, 100 kilometres north-east of Launceston and 20 kilometres north of Gladstone. Subject to economic viability, the Musselroe project will proceed as a 60 turbine wind farm. The project also includes the construction of a transmission line to connect the wind farm site to Tasmanian electricity grid at Derby.

The installation of wind turbine generators on Flinders Island and further wind development on King Island are also currently being investigated.

Various other wind farm prospects have been identified around the State and are in various stages of consideration.

Geothermal

Geothermal energy has the potential to produce large quantities of emission free, renewable and sustainable energy on a fairly constant basis. Currently a number of companies are exploring Tasmania's geothermal resources.

The geology in Tasmania is very favourable for 'hot rocks' geothermal energy, which is supported by drilling done to date by companies like KUTh Energy.

KUTh Energy has produced some good results of surface heat flow values from its drilling program on its Tasmanian geothermal tenement. The range of surface heat flows recorded from KUTh's tenement in eastern Tasmania lie in the top 17 per cent of values for all of Australia and are within the range of values commonly reported from the Cooper Basin.

KUTh has also begun the process of developing grid connection strategies to enable it to connect any power developed into the electricity grid.

Tasmania has an advantage that, unlike the larger mainland States, any geothermal developments are likely to be relatively close to a high voltage transmission line and this is relevant to the costs of connecting to the Tasmanian electricity grid, as well as to the national market through Basslink.

Other companies involved in exploration of geothermal resources include Geopower Proprietary Limited, which has application to explore an area covering 4 892 sq km and Geothermal Energy Tasmania Proprietary Limited which has three licenses covering 8 495 sq km.

Wave and Tidal

A number of proponents have shown a keen interest in accessing Tasmania's excellent wave and tidal resources for the development of wave and tidal power schemes in the State. Potential areas for development include the West Coast, the Tamar River and areas within Bass Strait.

Hydro Tasmania recently signed a memorandum of understanding with Sydney-based company BioSystems to undertake trials of its Biowave technology on King Island, and its Biostream tidal-current system on Flinders Island. The aim is to generate 250 kW of electricity for both Islands by 2008.

King Island - Integrated Renewable Energy Project

The Integrated Renewable Energy Project, when completed will provide around 65 per cent of King Island's electricity requirements. The first stage, which is now complete, is the installation of tracking solar panels with associated equipment with a capacity of 100 kilowatts, plus a resistive frequency control system to help make better use of the existing wind energy.

The second stage of the proposal, which has yet to be approved, includes the addition of approximately 2 MW of extra wind generation capacity and possibly the utilisation of a energy storage system to store any excess energy generated by the wind turbines and solar panels.

Bioenergy

Opportunities to exploit waste as an energy source have been taken up by the landfill gas plants operating at Hobart and Glenorchy Councils' landfill sites. These are operated by Australian Gas Light Company (AGL) and produce about 2.6 MW of electricity between them.

There are several businesses producing small quantities of biodiesel, and some are planning to bring new supplies into production. Macquarie Oil, which is based in Cressy, is planning to use waste oils from the poppy industry to produce fuel.

There are also proposals to use waste tallow from Longford and the Cradoc Hill abattoirs. It is expected that this industry may develop into a small but productive sector transforming underutilised resources into valuable fuel.

top

Mandatory Renewable Energy Target

In 2001 the Australian Government introduced a Mandatory Renewable Energy Target (MRET) scheme. The scheme aims to increase the uptake of renewable energy in Australia's electricity supply.

MRET is administered by the Office of the Renewable Regulator (ORER) and places a legal liability on wholesale purchasers of electricity to proportionately contribute towards the generation of an additional 9,500 gigawatt hours (GWh) of renewable energy annually by 2010.

MRET has been a key to investment and technology development in the renewable energy industry. It has been responsible for expanding employment and opportunities, especially in regional areas. The measure has also spurred research and demonstration programs encouraging a wide range of renewable energy technologies across the spectrum of the industry from photovoltaics and bioenergy to geothermal and wind.

Further information on the MRET can be found at the Office of Renewable Energy Regulator website.

Expanded National Renewable Energy Target

In 2007 the Australian Government committed to ensuring that 20 per cent of Australia's electricity supply comes from renewable energy sources by 2020.

To deliver on this commitment, the Australian Government is working in cooperation with the States and Territories through the Council of Australian Governments (COAG), to implement an expanded national Renewable Energy Target (RET) that will bring the MRET and existing and proposed state and territory targets into a single national RET scheme.

The national Renewable Energy Target scheme will:

* increase the existing Mandatory Renewable Energy Target (MRET) by more than four times to 45,000 gigawatt hours in 2020;
* contribute to meeting Australia's targets for the reduction of greenhouse gas emissions;
* provide a market incentive to accelerate uptake of Australia's abundant renewable energy sources, which include solar, wind and geothermal energy;
* reduce red tape by bringing existing State-based targets into a single, national scheme.

The national RET scheme will be phased out between 2020 and 2030 as the Australian Government's Emissions Trading Scheme matures.

The design work on the national RET scheme is due to be completed in September 2008, with legislation in place by mid-2009.

top

Woolnorth Wind Farm

The 140 MW Woolnorth Wind Farm site is located on the historic 'Woolnorth' grazing property on the far north-west tip of Tasmania. The three stage project was completed in May 2007 and is the biggest wind farm operating in the southern hemisphere. Woolnorth Wind Farm is owned and operated by Roaring 40s Pty Ltd - a partnership between Hydro Tasmania and the China Light and Power Group.

20-25 Employees diverse experiences cocktail

Recycle your Money

Entrepreneurs Sucess Odds

Hire as a Coach

The only way to run your business effectively is to hire people that are better than you and that's what I think I am best at. It's the players that win the game, not the coaches. I say hire people that are better than me and make sure those hires get in the habit of hiring people that are better than them

Interior Design Trends 2009

Shower Head Trends - latest in luxury shower heads

What is the latest trend in shower heads? Time again to update our exiting collection with the newest designs. As more innovative choices for modern showerheads become available the trend is that more and more consumers are into design and aesthetics versus functions only. And the new generations of luxury shower heads are qualifying for both - they are beautiful and functional. What's left is to choose the right shower head depending on your desire.

Click on thumbnails for details:

Large shower heads like Dornbracht RainSky and Hansgrohe Raindance Rainmaker, the Rain type ceiling shower heads remain the most desirable. With the most water coverage, they produce different types of 'rain' while mixing water with air and light. These are the most luxury shower heads you can buy and, of course, the most expensive ones. This type of shower head is actually a very technologically advanced electronic balance module that controls large water flows and requires built-in installation.

READ MORE >

Modern GPS systems

Modern systems are more direct. The satellite broadcasts a signal that contains the position of the satellite and the precise time the signal was transmitted. The position of the satellite is transmitted in a data message that is superimposed on a code that serves as a timing reference. The satellite uses an atomic clock to maintain synchronization of all the satellites in the constellation. The receiver compares the time of broadcast encoded in the transmission with the time of reception measured by an internal clock, thereby measuring the time-of-flight to the satellite. Several such measurements can be made at the same time to different satellites, allowing a continual fix to be generated in real time.

Each distance measurement, regardless of the system being used, places the receiver on a spherical shell at the measured distance from the broadcaster. By taking several such measurements and then looking for a point where they meet, a fix is generated. However, in the case of fast-moving receivers, the position of the signal moves as signals are received from several satellites. In addition, the radio signals slow slightly as they pass through the ionosphere, and this slowing varies with the receiver’s angle to the satellite, because that changes the distance through the ionosphere. The basic computation thus attempts to find the shortest directed line tangent to four oblate spherical shells centered on four satellites. Satellite navigation receivers reduce errors by using combinations of signals from multiple satellites and multiple correlators, and then using techniques such as Kalman filtering to combine the noisy, partial, and constantly changing data into a single estimate for position, time, and velocity