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<title>Latest Articles by JillMurtha</title>
<link>http://www.articletrader.com/</link>
<description>Articles at ArticleTrader</description>
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<title>Hot Jobs in Pakistan: Rozee.pk</title>
<link>http://www.articletrader.com/business/career/hot-jobs-in-pakistan-rozee.pk.html</link>
<guid>http://www.articletrader.com/business/career/hot-jobs-in-pakistan-rozee.pk.html</guid>
<pubDate>Wed, 06 Sep 2006 00:00:00 -0500</pubDate>
<description><![CDATA[ While the main stream media reverberates with job losses for the American worker, the politicians weigh the political benefits of being “pro business” vs. “pro labor”, there is a building sense of alarm. The “sucking sound” of jobs leaving the US, that Perot talked about in ’92 campaign, while denouncing the NAFTA is apparently being felt outside of the manufacturing sector. High tech jobs, the sacrosanct bastion of a knowledge economy like the US are moving to places like India, Russia and Pakistan. While in absolute numbers terms, the job losses pale in comparison to labor-intensive industries like garment manufacturing—the trends have been alarming.<br><br> HR Lady decided to take a look at the myths surrounding the issues and offer some advice on what may constitute a safe job in future for the American worker. HR Lady decided to focus on a smaller, but popular offshore location, Pakistan for it’s analysis. This is because the Indian job market is heavily skewed by the likes of InfoSys, Satyam, Wipro and Tata—conglomerates that hire tens of thousands of  engineers. India has enough domestic demand to dilute the offshore trend and due to it’s growing costs has become less of a cost cutting center. Similarly Russia, with it’s Soviet Union roots has some incredibly talented scientific computing engineers but does not have the raw man power, or the proficiency in English to affect American jobs. HR Lady found Pakistan to be an offshore pure play, given its English speaking work force and its low cost.<br><br>In order to assess the offshore trends for Pakistan, HR Lady looked at the top HR site in Pakistan, www.rozee.pk.  An internet jobs site, is most skewed towards the knowledge workers, and in a small economy like Pakistan is a proxy for the offshore market. <br><br>A quick look at the Rozee site shows that Call Center employment in the US is an endangered species. As the infrastructure and telephony improves, the support, service and even the outbound calls will get generated from Pakistan. You can now expect to get your “no interest credit card offers” and “cheap home loans” from telemarketers with a slight Pakistani twang in their accent. The jobs that American workers love to hate, such as “cold calling” are prized Careers in Pakistan and other offshore locations. The loss of such jobs, may not be such a loss after all.<br><br>It is obvious however, that there is a heavy focus on Management and IT jobs on the site. The PHP and ASP.NET developers in the US are likely to get a run for their money from Pakistani developers given the job openings on Rozee. A typical Pakistani job listing http://www.rozee.pk/j_1417  shows the trend of using sales in the US, coupled with the raw talent in Pakistan. A fair number of internet marketing and advertising jobs also seem to be moving to Pakistan ( http://www.rozee.pk/j_7472  ) .<br><br>Having said that, HR Lady didn’t find any jobs related to Plasma Physics, pushing the envelope on Silicon, bio informatics or Nanotechnology. The US has an undeniable advantage still—with it’s research universities, awesome infrastructure and the reputation as the destination of choice for the brilliant. The US jobs in the cutting edge don’t seem to be threatened by the offshoring trend.<br><br>In addition, the jobs that require physical presence in the US don’t seem to be threatened. Health care, in-person services like teaching, real estate, financial services and security are very likely to be growth careers for on-shore jobs.<br><br>More information about Careers in Pakistan visit: http://www.rozee.pk/Articles/careers-in-pakistan.php <br><br /><br />--<br />Jackie is a consultant for HR Lady( http://www.hrlady.com ) and enjoys off the beaten path research such as a review on the hot jobs in Pakistan ( http://www.rozee.pk ) . She has lived extensively in Malta, is a Jazz aficionado and travels to the tall mountains of Pakistan for vacations.<br><br>Source: <a href="http://www.articletrader.com/">http://www.articletrader.com</a> ]]></description>
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<title>Michael Jackson –A Living legend</title>
<link>http://www.articletrader.com/entertainment/michael-jackson--a-living-legend.html</link>
<guid>http://www.articletrader.com/entertainment/michael-jackson--a-living-legend.html</guid>
<pubDate>Tue, 22 Aug 2006 00:00:00 -0500</pubDate>
<description><![CDATA[ While much reviled by mainstream media and the tabloids, Michael Jackson is worshipped by his die-hard fans and for a good reason. His talent and individuality are unparalleled. I would only say: He is one of a kind. Michael Jackson from his very first step in music industry has been breaking new grounds for music as well as dance. His innovations in music field inspired so many artists(http://www.ticketnest.com ) and showed them a new path to follow. The list of Michael Jackson’s achievements goes on and on…and contradicts the “has-been” image the tabloids and MJ haters give him. I am hoping to remind the world of his achievements by presenting this list.<br><br>1. Biggest Selling Album of All Time - Guinness Book of World Records.<br><br>“Thriller” by Michael Jackson was a smashing hit. It sold over 50 million copies worldwide. Thriller is also the biggest selling U.S album with sales of 25 million copies. Wow! It’s really thrilling.<br><br>2. Most No. 1 Hits in 1980's.<br><br>Michael Jackson had more #1 hit than any other artist for the decade towards the end of 1980.<br><br>3. Bad Tour - Guinness Book of World Records.<br><br>In September 1987 to December 1988 during the world tour Michael Jackson's brought back record gross revenue of over 124 million dollar.<br><br>4. Greatest Audience - Guinness Book of World Records.<br><br>The ever highest crowd of spectators recorded was 133.4 million audiences watching the NBC transmission of Super Bowl XXVII on June 31, 1993. The rocking Michael was spotlighted through the half-time performance.<br><br>5. Billboard Charts.<br><br>In 37 years history of Billboard chart Michael Jackson is the sole artist to stand 1st with his single "You Are Not Alone". He broke his own previous record “Earth song” that was on No 5 on Billboard charts.<br><br>6. 100 Million Records.<br><br>Once again Michael is the only one who sold his 100 million singles and albums outside U.S.<br><br>7. Biggest Selling Video.<br><br>“The Making of Thriller” proved to be the biggest selling video ever released by any artist.<br><br>8. Billboard "Hot 100" Singles Chart.<br><br>Michael Jackson has 13 hits on his credit which is the Most No1 Hits by any Male Artist (13) on Billboard “Hot 100” Singles Chart.<br><br>9. Awards.<br><br>An amazing record by the king of pop-music is that he has earned more awards than any other singer.<br><br>10. No.1 on Charts.<br><br>Wow! This one is bound to surprise you. Michael Jackson is the only artist that stood No.1 on Billboard's rock albums and rock singles charts, as well as the R&B albums and singles charts. Amazing, isn’t it?<br><br>11. Consecutive No.1 Singles.<br><br>Michael’s four singles in Jackson 5 group were No .1 consecutively, which is another rocking record by the legend.<br><br>12. 8 Grammy awards.<br><br>Michael Jackson got 8 Grammy awards in one night. He was given these awards for his work on the 'Thriller' album and on the narrative for the 'ET Storybook'.<br>For more information about Michael Jackson visit: http://www.mjpromotions.com<br /><br />--<br />Tanya Draper has been listening to Michael since she was 11 and still Moonwalks. While Tanya is “over” Michael Jackson, after some of Michael’s antics, she still loves his music and his movies. She devotes her spare time working on Michael’s fan site www.mjpromotions.com . She can be reached at tanya@mjpromotions.com<br><br>Source: <a href="http://www.articletrader.com/">http://www.articletrader.com</a> ]]></description>
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<title>What is Podcasting : Podshock</title>
<link>http://www.articletrader.com/entertainment/movies/what-is-podcasting-podshock.html</link>
<guid>http://www.articletrader.com/entertainment/movies/what-is-podcasting-podshock.html</guid>
<pubDate>Fri, 18 Aug 2006 00:00:00 -0500</pubDate>
<description><![CDATA[ Podcasting is rapidly becoming a catchword among the techie crowd. So now it’s time that everyone should know what Podcasting actually is? It is online audio content which is conveyed through an RSS feed. Most of the users compare podcasting (http://www.podshock.com/what-is-podcast.php) to on demand radio. But, in fact, podcasting involves much more options regarding the content as well as programming than radio does. Additionally, podcasting can enable listeners to determine time and place that means they can choose what programming they desire to accept plus when they wish to listen to it. <br>Listeners can hold audio archives to listen them at their leisure time. Similarly as blogs transformed many bloggers into journalists, podcasting has the capacity to change many podcasters into radio personalities. <br>Podcasting can be used for:<br>1. Self-Guided Walking Tours – Knowledge related content.  <br> 2. Music – Meaning promotional clips of different bands and interviews. <br> 3. Talk Shows – Enables Industry or organizational news, investor news, sportscasts, news coverage and commentaries.<br>4. Training – Instruction oriented informational materials.<br>5. Story - Story telling for healthy as well as visually-impaired children.<br>Syndication of audio files by means of RSS is known as Podcasting. Podcasting works exactly like a typical RSS feed reader or news aggregator, the difference only lies in the feed you subscribe that includes an audio file in it. As a substitute to reading content in your RSS feed reader or aggregator, you will listen to your feed’s content via a reader or aggregator that supports podcasting. You can also listen to them on an iPod or any other similar device. Whereas podcasting was reputed for the iPod, so you don’t really have to have an iPod to listen to a podcast. Podcasts can also be exhibited on websites with clickable links along with audio files and many of the standard RSS readers as FeedDemon's latest beta, have started supporting audio enclosures. <br>An audio file which creates the feed a podcast somewhat than a standard RSS feed is enclosed in the 'enclosure' tag. The simplest way to get it is that of an e-mail attachment. <br>Even though the "enclosure" tag is four years old to RSS feeds and has been included in the RSS v2.0 specification but podcasting has only really been there since August of 2004. <br>Webmasters are always on search of inventive ways to offer media-rich content. The syndication characteristic and prospective swell in audience number are a striking entice. The fact of podcasting to publish content similar to RSS is really beneficial to listeners as ultimately you get the power to mange the information you want to see or hear. <br><br>For more information about podcasting visit http://www.podshock.com/what-is-podcast.php <br /><br />--<br />Heidi Grumm hosts http://www.ixs.net and expresses her passion for pod casting through writing and discussion. She works for Less Corporation at http://www.hrlady.com  Copyright Heidi Grumm<br><br>Source: <a href="http://www.articletrader.com/">http://www.articletrader.com</a> ]]></description>
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<title>Satellite Internet Exchange: Nayasat</title>
<link>http://www.articletrader.com/internet/satellite-internet-exchange-nayasat.html</link>
<guid>http://www.articletrader.com/internet/satellite-internet-exchange-nayasat.html</guid>
<pubDate>Fri, 04 Aug 2006 00:00:00 -0500</pubDate>
<description><![CDATA[ A study conducted by “The Economist” magazine, showed a strong correlation between the price of a “Big Mac” in a country and it’s cost of living. The cost of living—rent, consumer goods, food, entertainment( www.ticketnest.com ) is usually significantly higher in the US than in the developing world(and so is the price of a “Big Mac”). However, “Big Mac” index notwithstanding, the price of internet bandwidth in the third world is off the charts. As a point of comparison, a 1 Mbit/sec ADSL costs about 20 dollar for a home user in the US, and about 800 dollars in Pakistan. Needless to say, there is a strong need for a reduction in cost and improvement of quality of service.<br><br>The issue with the developing countries is the lack of infrastructure. Our case study of Pakistan showed that all of Pakistan has only one backbone fiber line, resulting in bottlenecks. The lack of redundancy has its costs—in July 2005 the fiber wire got severed resulting in massive outages. The back up satellite connection was hardly a solace to the burgeoning IT industry of Pakistan.<br><br>A significant percentage of traffic in Pakistan is domestic, but it’s routed through servers in the US and Europe. A trace route from one Pakistan ISP to another yields a shocking pattern—packets traveling from Pakistan to UK, US, Singapore and back to Pakistan. The situation is exacerbated in the case of fiber failures, when the traffic gets routed over multiple satellite hops. The latency is about 700 milliseconds/hop(or about 1.5 seconds for every transaction). This not only adds latency, needlessly raising costs but chokes the connection slowing down genuine Pakistan to international traffic. <br><br>Internet Exchange Point is a facility to allow the exchange of traffic between multiple ISP’s. In general the ISP’s have to pay to the tier-1 providers or the governing body(say Pakistan Telecom Authority) for the carriage of traffic. Even if the traffic is local, without the Exchange Point, the traffic is routed over the international internet. <br><br>The peering arrangement allows local ISPs to exchange traffic on a barter basis, rather than on a cash basis—net neutrality being the key. Such arrangements bypass ITU protocol, regarding revenue sharing and allow net lower cost to all the ISP participants.<br>The exchange point essentially allows the ISP’s to segment the traffic, according to the destination and by pass the tier-1 providers. Results are dramatically lower cost and lower latency.<br><br>The entrenched incumbents in developing countries(such as Pakistan) have the most to lose from domestic exchange of traffic and are the biggest impediments to the adoption. The governments of such countries also have a vested interest in supporting the monopoly of Telecom companies, given the revenues and taxes received. The larger ISP’s also have a vested interest in using high cost of connectivity to hasten the exit of smaller or less capitalized players through attrition.<br><br>In conclusion, to reap advantage of internet exchange points, the telecom companies have to overcome their monopolistic ways and there has to be an effort to make a neutral body responsible for the traffic sharing facilities. The lower cost of internet will actually foster overall growth in overall traffic, which will compensate the monopolies’ initial loss of international traffic.<br><br>For more information about Satellite Internet Exchange visit: http://www.nayasat.com/satellite-internet-exchange.html<br /><br />--<br />A flower arrangement reflects our thought processes--from simplistic to subtly complex. Jill Murtha hosts http://www.classicalmesh.com and expresses her passion for flowers, their arrangement through writing and discussion. She works for For Less Corporation at http://www.ixs.net <br><br>Source: <a href="http://www.articletrader.com/">http://www.articletrader.com</a> ]]></description>
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<title>Home Equity Loan : Loansmagician</title>
<link>http://www.articletrader.com/finance/loans/home-equity-loan-loansmagician.html</link>
<guid>http://www.articletrader.com/finance/loans/home-equity-loan-loansmagician.html</guid>
<pubDate>Fri, 14 Jul 2006 00:00:00 -0500</pubDate>
<description><![CDATA[ Real estate prices across the country have skyrocketed in the last five or six years. Low interest rates, combined with a lack of trust in the stock market has led to a tremendous inflow of capital into real estate. To put that in perspective, take into account the median household income, which is a little over 44,000,dollar and compare that with the national median home price of 216,000 dollar, a very high multiple. Of course, in many metropolitan areas ( http://www.ixs.net )  where a large fraction of the nation’s population lives, the rise has been even more spectacular. San Francisco has seen the median home price rise from 395,000 dollar in 2000 to 713,000 dollar in early 2005<br><br>For those who did not get in at the right time, the situation is lamentable, many others, on the other hand, find themselves sitting on potential gold mines – in many cases they have witnessed the doubling, trebling or even quadrupling of their investments in a matter of a few years. Walking and sleeping on land that has appreciated under your eyes is a satisfying experience, and some people are quite happy to count their chickens without wanting to cash-in on their gains. Others, for whatever reasons want to enjoy their newfound wealth. Home equity loans offer an opportunity to do just that. <br><br>The fact that property prices have risen means that more Americans than ever before are eligible for home equity loans. Let me illustrate that by an example – say you bought a home for 300,000 dollar five years ago, putting down 20% (60,000 dollar) at that time. If you have a typical thirty-year fixed mortgage then you have not made a significant dent in the principal (in this case the loan principal is 240,000 dollar) in the first five years. Now suppose, quite realistically in many cases, that the house value has appreciated from 300,000 dollar five years ago to 500,000 dollar today. In this case your equity in the house would have jumped from 60,000 dollar (your down payment) to 260,000 dollar (down payment plus unrealized capital gains). You would be eligible to take a loan against that increased equity. Most institutions are willing to extend home equity credit for upwards of 50% of total equity in the home.<br><br>Now that we have established that a rising real estate market has produced many more potential candidates for home equity lines of credit, let us show why this is a financially savvy way of consolidating loans or of securing financing. Whether the reasons are personal, such as Ferrari you have been drooling over, or for your home business, home equity loans are usually the best first option for obtaining liquidity. First, home equity loans take advantage of tax breaks that the federal and state governments give all homeowners – all interest payments made to service the loan are tax exempt.<br><br>This advantage alone warrants serious consideration – a family in the 30% federal income tax bracket will stand to save a substantial amount on a typical home equity loan. The implications of the tax advantage are such that many people with no need for additional credit take out home equity loans and invest elsewhere just so they can take advantage of Uncle Sam’s generous handout. Second, home mortgages are handled a little differently from other consumer loans because of two reasons. First, the loan is “secured” by a tangible asset (i.e. the house, comprising of the value of the land and the material with which the house is constructed) and second, there is a huge industry that deals exclusively with home mortgages and home loans, resulting in a fiercely competitive environment. To the consumer, this results in significantly lower interest rates on home loans.<br><br>So, let us recap the win-win situation for a home equity line of credit. Rising real estate prices have made more people eligible for bigger loans, in many cases significantly bigger loans than ever before. Relatively low interest rates, thanks to the Fed and a competitive home mortgage industry has kept the cost of borrowing low. And finally federal and state tax breaks on home loans further reduce the cost of borrowing.<br><br>If you are thinking of borrowing money and you are a homeowner, be sure to consider a home equity line of credit before pursuing alternative methods of financing.<br><br>For more information about Home Equity Loan visit  http://www.loansmagician.com/home-loan.php<br /><br />--<br />Jill Murtha hosts http://www.loansmagician.com and expresses her passion for loans through writing and discussion. She works for Less Corporation at http://www.sofizar.com/click-fraud.php  . Copyright Jill Murtha.<br><br>Source: <a href="http://www.articletrader.com/">http://www.articletrader.com</a> ]]></description>
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