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Tuesday, August 18, 2020

August 18, 2020

12 most beautiful capitals in all over the world

 12 most beautiful capitals in all over the world

London

The most famous city in the world capital London. It is one of the largest economic cities in the United Kingdom. London is a very quiet and big city. It is considered to be the largest city in all of Europe. In addition, this city not only represents not only the great buildings and natural scenery, but also is known as the capital of world art as well as the most traveled cities when measured by international arrivals. Surprisingly, a total of 43 universities and multiculturalism even in more than 300 languages, is also the star of London. This city has a deep history that looks like a famous place in the history.

Islamabad

Islamabad, the capital of Pakistan, is famous for its road construction and well-planned construction.

Without hesitation, the glory of Islamabad can be compared to other capitals in the world. It is highly developed and progress can be seen in every corner of the city. Islamabad is known for its cleanliness, coolness, calmness, serenity, phenomenon and cleanliness and is the most populous city in Pakistan. It is a very modern, modern and highly protected and touching touch of the beauty of northern Pakistan seemed to appeal. All in all, Islamabad is a great place to enjoy the festivities and a growing source of tourism in the country due to its lush green and green gardens.

Washington DC

Washington has a strong identity all over the world because of this wonderful structure, broken, restaurants, industrial technology and quantitative wonderful, that is why people like to visit the many attractions in the United States. Commonly known as Washington, D.C. (Columbia County) as well as Washington simply D.C. and the US capital. After the survey in July 2015, we studied this district with a population of 672,228, although it has 7,464 acres (30.21 km2) of earthquakes, it is estimated at a total of 19% and the second highest percentage of U.S. cities very high.

Rome

Rome is the most historical place for travelling in the world and is capital of Italy. The city is home to several historic sites and museums and has some of the most impressive architecture, both old and modern.

A walk-through Rome and a visit to all the historical sites gives you a glimpse of how the city really developed before the Roman Empire burned down. Even in their dilapidated state of disrepair, places like Colombia, Pantheon, and Caracalla Baths offer a sense of strength and dignity.

Other places to see in Rome include the August Mosque, the Arch of Constantine, and all the parks and suburbs. Of course, you can't leave Rome without visiting all the museums the city has a wonderful collection of art at different times, making the city a place to enjoy the art.

Berlin

Berlin, the capital of Germany, has a great historical significance. It is a country of hard-working people. After World War II, the country and its people collapsed, but they worked hard and literally came out of the ashes to find their prosperity and stability now. Many exciting events take place in the capital at tourist attractions such as the Berlin Air Show, Berlin Fashion Week, Bread Show & Butter Trade.

Paris

The most populous city in France, famous for its wooden Eiffel Tower, was dedicated to the 1889 Paris International Exhibition named after the world's tallest monument. It was a prosperous commercial center and the largest city in the western world but later, it turned out to be the most important center of fashion, trade, science, art, and economics, which led us to be ranked third in the Top Ten. Most beautiful games article in the world. Paris is located on the Seine River, in northern France, and has a population of 10,550,350 (according to January, 2012 census).

Ottawa

The capital of Canada, Ottawa is located on the southern bank of the Ottawa River, in the eastern part of Southern Ontario. In terms of population, according to the 2011 census, 883,391 are said to be the fourth largest city in Canada. Ottawa was founded in 1826 but is known as Bytown, although in 1855, it was added to Ottawa, known as the Center for Politics and Technology in Canada, and now ranks seventh on the list of the 10 Most Beautiful in the World.

Tokyo

When you enter Tokyo, its state-of-the-art train tracks, tongue-in-cheek food, a bundle of jewelry stores, delicious meat and all the other amazing things will really attract you a lot as the city is thought to be one of the best place’s tourists. Tokyo is one of 47 states in the country including the seat of the Kingdom of Japan and the government of Japan.

Moscow

It is one of the most beautiful city and capital of Russia, famous for its deep history and many floors. Moscow has the largest group of millionaires in the world. Moscow is not only the north-eastern megacity of the planet but also the most populous city in Europe. The city is made up of numerous roads for travel. This unit consists of four international airports and nine trains along with one of the world’s tallest subway systems. The world's deepest system is known as the Motorcycle, which ranked third in Tokyo and Seoul in terms of road numbers. The famous Saint Basil Cathedral needs no introduction. The city has more than 600 traditional oriental churches. Moscow is one of the most beautiful, wonderful, spectacular and eye-catching places in the world.

Madrid

Madrid was recognized as the most powerful city in the world during the Spanish Empire, although it is still the most attractive place for everyone because of its beautiful scenery. It is also famous for its expansion, the parks it manages and its roads, while it has a population of 3.165 million. However, Madrid's archives of European art as well as the works of the Prado Museum in Goya, Velázquez and other Spanish masters, have become the most attractive to tourists. After London and Berlin, it appeared to be the third largest city in the EU, with an area of ​​604.3 km2 (233.3 sq mi). The city is the political, economic and cultural center of Spain and is located on the Manzanares River.

Bern

People often say that every city in Switzerland belongs to every list of the most beautiful cities in the world. Bern is the largest city in Switzerland and is considered one of the best places to live because of the high quality of life.

Bern is absolutely amazing and has a magical feel that is different from any other capital in the world.

The Old City of Bern, the UNESCO World Cultural Center, is one of the most popular tourist destinations. It consists mostly of central structures. The most famous features include the central tower, the Cathedral, and many Renaissance springs scattered throughout the area. Because of its central location, the Old City of Bern feels a great place for a fairy tale.

Havana

Havana is the largest city and most populous city in our country and capital of Cuba. With its isolation from the rest of the world, Havana has now become one of the most popular tourist destinations in the world. It is one of New7Wonders Cities, beating hundreds of other cities in more than 200 countries.

Nicknamed the "Rome of the Caribbean," Havana offers flexible visas that motivate tourists to extend their stay in the city. It is famous for its rich history and structure. Areas to visit and the city's landmarks include the Havana Theater, the Revolution Museum, the Nacional de Cuba Hotel, and the San Salvador de la Punta Fortress.

Old Havana, the UNESCO World Heritage Site, is undoubtedly the most popular destination for Havana. It is the center of the city and home to many famous buildings. With the usual old-fashioned cars and buildings disrupted during the colonial period, continuing into Old Havana is truly a unique experience.

Saturday, July 18, 2020

July 18, 2020

Effects of Internet, Positive and Negative

Effects of Internet, Positive and Negative

Today internet is most powerful and everyone uses it. It is accessible to almost anyone trying to connect to one of its central core networks. In addition, users of any age and status have access to it. But what are the positive and negative aspects of the Internet?

Positive internet. I will discuss in few points in the following:

  • Internet searching is best resources and to see all information in the world. They bring any information for internet users, from local restaurants to international news.
  • The Internet provides some of the most effective ways to communicate with people, including online e-mail and instant messaging.
  • The Internet allows businesses and companies to make transactions with their clients and customers.
  • It is special thanks for Internet, in this platform people can act and avoid adverse circumstances. For example, hurricanes, storms and accidents can be monitored via the Internet.
  • The Internet has enabled the exchange of ideas and materials between scientists, university professors and students, and has also provided servers, resource centers and online tools for its research and scientific activities. In addition, one million books, magazines and other materials are available on the Internet due to the digitization of publicly available material from libraries in countries and Europe. This event allows people to learn all the new things.

The Internet can sometimes have negative effects, including:

  • You will find illegal or inappropriate material on the Internet.
  • Some people have downloaded illegal music or other copyrighted material for free in recent years. The event had a negative impact on the music industry and led to several lawsuits.
  • Addiction to online social networks can disrupt a person's way of life and professional activity.
  • Some criminals use the Internet to spread computer viruses or even to withhold credit card or bank information for the wrong purposes.

Internet addiction and problematic internet use

Internet addiction and problematic internet use problems vary across studies and countries. Notable differences in estimates of the spread of the disease have many causes, including different populations studied, as well as the different diagnostic tools and the level of assessment used. With this in mind, it appears that approximately 4% of European adolescents are experiencing the use of cyberbullying that affects their lives and health, while 13% of adolescents are in poor behavior when using the internet. Similar numbers have been reported for adults.

Part I of the study focuses on general internet addiction, online gambling addiction, and direct gambling addiction. Medical presentations, outpatient outcomes, outcomes, equipment, interventions, and different prognosis are different for these three addictive diseases. The study states that the individual, culture and way of using the media significantly contribute to the experience and severity of internet addiction.

The study suggests several preventive measures, and evidence to support future policies. It acknowledges that providing information, screening tools and campaigns to high school and university students about substance abuse problems can help, especially in relation to adult sports addiction. This will require allocating research resources and resources for schools and their staff, and families, as well as establishing collaborative relationships with health professionals and services.

Harmful social and cultural problems associated with internet use

Part II of the study identifies a number of different factors that affect society and cultures related to Internet use. Evidence points to significant losses for both individuals and society. Some of these harmful effects are briefly described below:

Increasing Information: Having a large amount of information to be able to better understand an issue or make effective decisions. Increased information is associated with loss of control, overeating, decreased cognitive function, and reduced work satisfaction. Studies show that information burden affects 20-30% of the population.

Destruction of social relationships: Widespread use of the Internet, especially on social media, is associated with loneliness and social isolation. Intimate relationships can be poisoned by the use of the internet, especially pornography. Online misbehavior, especially cyberbullying, cyberbullying and online prediction, affects a large percentage of Internet users.

Weak social / private boundaries: The way the internet and smartphones can bridge the gap between private and public, and between different areas of life, including work, home life and leisure, affecting the boundaries between public and private life. Problems harmful consequences of such problems include loss of quality of life, lack of privacy, security and safety and low, and the damage to the relationship - the friends and family members feel left new technology.

Adverse effects on cognitive development: Predictive evidence shows that internet use can have both positive and negative effects on cognitive development, depending on the individual and the circumstances. There is evidence that children's cognitive development can be affected by long-term internet use, including the development of memory skills, life skills, critical reasoning skills, language learning, reading, and learning ability. Further study is needed in order to reach a more reliable conclusion.

Damage to communities: Many online communities are suffering in part due to human migration - shopping, business, social integration, leisure activities, professional interactions - the internet. Direct communities sometimes extend to online communities and sometimes change. Badiyaaaba are not enough to change, however, as they do not have some of the strongest values ​​or the quality of foreign communities, and communities, though they may be from the poor communication, poor love, and lack of trust and commitment.

Why we use the internet and how they need?

In fact, people spend a lot of time and hours online while they are still using it. which means a huge deal when it comes to addiction and dependency. But even though it seems obvious, we still answer the question, "Why do people use it?" here.

We have reviewed literature from university studies over the years and provide you with a list of the top 10 reasons why people turn to the internet, again and again. If you think you have something to add to this list, please do so in the comments section below. Be sure to check out more information on the symptoms of internet addiction here. Internet addiction - not just a teenager phenomenon!

10 Reason we use the Internet

1. Information - The Internet is arguably one of the most successful and effective tools men has ever created. It is, in fact, the largest library ever created, growing every day. While you need to always be careful with your resources, the Internet is a modern source of information, available in a variety of media: text, video and images, videos, and audio have changed the way to find information.

2. Communication - People use the internet to communicate with each other. The app has made it possible for voice and video to be spread around the world with little delay, and email has become the main means of communication for many modern people. Without the Internet, it would be costly and slow to maintain personal and professional relationships.

3. Recreation - Many people use the internet to enjoy themselves and to pursue personal interests. In recent years, many sports players and world celebrities have been involved in the time and money of many people. In addition, video and music are easy to find, edit and download… In fact, using the Internet can go a long way. But how do you know if you are addicted to the internet. We list the basics and symptoms of internet addiction in the link above.

4. Work - The Internet offers 9-5 shifts on weekdays, with too many people working from home, or telecommute. In addition, an increasing number of people are making a living on the Internet itself, becoming experts in how people research the Internet, provide IT or Internet development services, or specialize in online marketing.

5. School - Elementary, high school and college curricula require extensive use of the Internet for school work.

6. Communication - People use the Internet to find, maintain, or end relationships. But people can also catch up on social networks. More on how to find out if you are addicted to Facebook here.

7. Market - People use the Internet to search, access and buy services and products. Or to target and sell to end customers. As a result, the Internet has become the best way to buy and sell products, as online "shops" are open 24 hours a day, 7 days a week.

8. Sex - While it may surprise you, it is no secret that most search queries are based on nudity. So, people [men] use the internet to watch pornography and act on their sexual feelings.

9. Disclosure - People not only use information online, it is created. When this is done, people are able to express themselves politically, artistically, verbally, socially, and so on. The Internet is the ultimate forum for discussing or your specific topic of interest.

10. Ask for help - The protocol for Internet use is one of private use without having to name it yourself. Because of the secrets and secrets of the internet space, some people use the internet to ask for help.

Conclusion

In conclusion, the use of the internet has both negative and positive effects on children, adolescents and adults in general. However, there is an additional negative impact of children’s internet use. It is therefore the responsibility of everyone to make sure that the negative effects are controlled while the positive ones are controlled. This can only be achieved when everyone uses these devices correctly and by reducing the time spent on them because they lead to addiction and addiction. In addition, we must use the Internet to solve technical issues with the help of grammar improvements. Parents have a role to play in reducing computer crime by bringing up children in accordance with the moral standards that society and society as a whole can accept.

Thursday, June 25, 2020

June 25, 2020

12 most beautiful places in Pakistan

 

12 top and most beautiful places in Pakistan

I will explain 12 most beautiful places in Pakistan, a country that quickly and fiercely stole my heart.

1. Skardu

Turquoise waters, high mountains, beautiful lakes, and generous people, Skardu says it all. Spend a day or two exploring the beautiful village of Kachhura, Shangri-la Resort, and the sandy soil in Katpana village. Enjoy an amazing experience watching the sunrise and sunset on the Indus River. To find out the history of the area, visit the 600-year-old Kharpocho Fort. Shopping and food at Skardu Bazaar are a must. Here you will find wonderful local gifts for your friends and family. If you love hiking, you can't help hiking in the snowy areas to the bottom of the world's highest mountains, including K2. Your vacation will not be complete without visiting the self-contained Deosai National Park and Satpara Lake.

2. Neelum Valley

The Neelum valley is the most attractive place for tourists because of its famous wetlands, fountains, streams, lakes and tall peaks. There are some most beautiful placeses point including Athmuqam, Kutton Jagran, Karen, Neelum and many more.

3. Islamabad

The romantic city of Islamabad, the capital of Pakistan, is a great place to relax and watch. The city is completely green, with beautiful roads and highways and a clean, quiet, and quiet environment.

You will enjoy exploring the city in moderately populated areas. Cultural sites such as Pakistan Monument, Lok Virsa Museum, and Faisal Mosque are popular sites. Or you can simply hit the beautiful hiking trails of the Margalla Hills forests and then the highest car ride to Monal. You will find beautiful views of Islamabad and its surroundings from here. It's the perfect place to capture photos on Instagram.

Islamabad has endless possibilities for foodie. If you want to dig up some continent or Chinese cuisine, or try a Pakistan, American, British or Italian restaurant, Islamabad restaurants have it all.

The best shopping malls in Islamabad include Centaurus Mall and Safa Gold Mall.

4. Hunza Valley

Of all the beautiful places in Pakistan, Hunza has absolutely stolen my heart. The mountainous valley in Pakistan's Gilgit-Baltistan region is often referred to as the earth's sky, and it is not difficult to see why.

Surrounding Hunza are some of the most amazing mountain ranges in Pakistan. These, in addition to the lush green valley below, make for interesting views all the time.

5. Khunjerab Pass (Pak-China border)

I’ve always been interested in borders, the Pakistan-China border was not a disappointment. First of all, to reach the limit you have to drive along the Khunjerab Pass, which rises to a height of 4,673m (that's over 15,000 feet)! Leaving the valley at the bottom of the snow-capped mountains was completely surrendered. It is the perfect stop to incorporate road travel in Pakistan.

I did not expect to see snow on my visit to Pakistan, especially in the summertime, but it was almost white in the border!

The snow is not a big deal for a Canadian like me but it was a pleasure to see how excited the people of Pakistan had never seen the snow. And as always, locals were revealing their country with the flag and singing along the border. Not only is it beautiful, but it is a fun environment to enter!

6. Gojal Valley

Head 20 kilometers north of Hunza on Karakoram Road, and you will find yourself in the beautiful Gojal valley. Situated in the Xinjiang region of China, Gojal is home to beautiful lakes, high mountains, snow-capped mountains, and beautiful villages.

As you head north through the mountain roads, you will come to the famous Attabad Pond at Shishkat. In the Rocky Mountains, there is a lake formed after part of a nearby mountain falls, which is blocking the flow of the river. Known for its blue waters, these lakes are a great place to take photos of Instagram, jet ski, and boat.

This is followed by the picturesque village of Gulmit along Karakoram Road. Walk down the highway to forget all your worries or go around exploring the lush green village. The one-hour trip will take you to the ancient Ondra camp where you can get a bird’s-eye view of the surrounding villages and the famous Passu Cones.

Other tourist destinations include the Hussaini Suspension Bridge, Borith Lake, Ghulkin Glacier, Batura Glacier, and Khunjerab National Park.

7. Yarkhun Valley

While it is unheard of and forgotten compared to Pakistan's most popular tourist destinations, I think the Yarkhun Valley was the most beautiful place I have visited in the country. Located in the upper Chitral district of Khyber Pakhtunkhwa, Yarkhun dazzles with mountainous terrain and no villages.

Reaching the valley, a few kilometers from the capital city of Mastuj, requires considerable effort if you do not have your own car. If you have one, the ride is not too bad - just prepare the dirt roads!

On the side of the valley Gazin is definitely worth a cut if you make it to Yarkhun Road. Here, you can see the mountains of Thoi Pass, a steep hiking trail linking the Chitral High and Yasin Valley to Gilgit Baltistan.

 8. Phandar Valley, Ghizer

The Phandar valley is one of the most beautiful, colorful water and rugged forests. The scenery is shocking, and so is the ambiance. The first view of the valley will remove all the fatigue of your trip and put you back into it.

Phandar Valley is the top destination for fishing, camping, swimming, swimming, and nature walks. With scattered trees on its banks, Phandar Lake offers panoramic views You can experience the deep blue boats, which are still in this lake.

The weather is usually good in the summer, and it is the best time to visit the valley. Phandar people are friendly and helpful. The valley also has many hotels and apartments.

 9. Earthquake Bridge, Sukkur

Lansdowne Bridge is a most beautiful bridge between River Indus, Sukkur and Rohri in Sindh province. It was built in the 19th century and is regarded as an engineering marvel at the time. The bridge is still in use today and makes a great picture. For a better view of the bridge, head over to the Seven Sisters. 

We visited the bridge at sunset but I imagine the sunrise would be even more spectacular as the sunrise would appear in the bridge. However, during our visit to the sunset, there was a rainforest on the side of the bridge and sunset on the other side hitting the ancient cemetery, so I really can't complain. I don't know where to look in my eyes as there is beauty around!

10. Ramkot Fort

Ramkot Fort stands on a hill in Mirpur, Pakistan. It is surrounded by three sides of the river Jhelum. It is likely to have been built in the early 16th century after the Mughal emperor Akbar's visit to Kashmir in 1589. Currently it lies on the border of Jammu and Kashmir in an area controlled by Pakistan. Excavations at the castle uncovered the remains of a Hindu temple that the industry passed on from the 5th to the 9th centuries. However, the history of construction and even its age remain open questions.

Although the restoration of the fort is officially in the hands of Azad Jammu and the Kashmir Tourism Department very little has been done to preserve this historic site. The financial crisis has prompted the Rawalpindi dentist to donate several hundred thousand rupees to restore the building. However, according to an article published in the Express Tribune in January 2012, "his efforts were futile because of the lack of cooperation and interest from local authorities".

11. Baltit Fort

The Baltit Fort is located on the moraines of Ultar in the center of the Hunza valley, between Karakorum, in the Gilgit-Baltistan region of Pakistan.

The rich beauty of Baltit Fort can be traced back 700 years, to Ayasho II, Tham / Mir (ruler) Hunza, who married Princess Shah Khatoon (Sha Qhatun) from Baltistan in the early 15th century.

This center is the first restoration (1990-96) of the Aga Khan Trust for Culture, as it is a pilot project that is still ongoing in several statues in northern Pakistan.

The agency is also working to restore the figures and historical sites of Khyber Pakhtunkhwa (Vazir House Swat) and Punjab (Shahi Hammam Mosque and Wazir Khan Mosque).

The Fort is still open year-round and seven days a week, with the idea of   being a stand-alone cultural center supported by ticket sales, preservation and generous contributions from individuals and organizations interested in promoting and preserving culture and history. heirs of this part of the world.

For many years other houses and towers were added, and it was tightened. To strengthen the Baltistan alliance in the history of Maqpon in the 17th century, Mir Ayesho II (grandson of the legendary Girkis) married a daughter of the Balti leaders, who sent artists to build a fort near Altit. The Princess later came to live in Hunza, bringing her own art to develop Baltit Fort.

The renewal of Balti's design continued with the reign of Ayesho II's son. The name Baltit may come from this time around. The castle has emerged in its present form only for the last century or so. Mir Nazim Khan added to the exterior walls and furnished his room with letters, ropes, fireplaces, balconies and bright windows. It had walls on the outside, greatly enhancing the visual effects of the valley. Also included were the ceiling of the roof, where the royal councils were held in good weather, and 'Light' or light in the sky.

Nazim Khan's grandfather moved to the modern planet of Karimabad in 1945. During the KKH expedition his first expedition saw a fortress abandoned, stripped of any valuable objects on the brink of collapse.

From 1990 to 1996 it was effectively taken with stone and re-collected. This was an experimental effort using the advanced preservation principles developed in Europe, while preserving techniques. construction and techniques-unique earthquakes built by builders.

The result is impressive and the renovation work is almost invisible. Several rooms have antique clothing displays and photographs, along with furniture and items donated by locals. Visitors get a half-hour tour with a local guide who knows them (you can't go without one), and interested people can use the library.

Tickets are sold at a few shops below the castle and it is worth mentioning that the building management only funded these tickets.

12. Rani Kot Fort

Ranikot Fort is a historic castle near Sann, Jamshoro District, Sindh. Its walls are made of metallic stones Since 1993, it has been on the priority list of UNESCO World Heritage Sites. You need a four-wheel-drive vehicle to see the whole Ranikot, and you can also camp overnight with tour guides.

The castle was built in the first quarter of the 19th century. The building walls, which follow the natural trajectories of the mountain area, have strong circular and intermediate bases throughout the season. The building wall runs along three sides of the area, and on the north side the top of the top hillocks acts as a wall. The small fortress, about 5-6 miles inside the main entrance, appears to have been the royal residence of the family who ruled the Mirs. The second gate is to the south of the castle. Inside the gate are two ornaments decorated with flower designs and engraved stones. The entire building is limited to stone and lime.

When you enter the castle, you will find caves, castles, caves, bullet holes, streams, mountains, lakes, ponds, valleys, fossils, guards, castles. The guard and mosque have been remodeled. There are three graves, with one enclosure with four hundred graves. On one of the gravestones, there are engraved themes of sunny flowers and mountain peaks. Sometimes locals refer to one of the cemeteries as "Rome Cemetery.


End Article

So, these are the information all we need to update you. We hope you get a clear understanding about everything in the article. If you want to anything. 

Monday, June 22, 2020

June 22, 2020

What is loan comparison between interest and loan lending?

What is loan comparison between interest and loan lending?

I would describe the loan interest to be the bank's return on the money borrowed by the lender. Interest is the amount the bank earns and charges interest on the loan.

I would describe repayment of a bank loan as the return of the bank loan. In other words, I think the repayment of the loan represents the total payment (not the total repayment or interest payment). Not everyone has the same vocabulary wording.

When the lender is paying off the loan (as opposed to paying off the loan), it is likely that the bank will first collect the interest owed. Any remaining balance between the total payment and interest payments will be applied to the balance of the loan.

What is a loan?

The term loan is a form of loan car loan where a large amount of money is loaned to another party in exchange for a future refund of the price or gross amount. In many cases, the lender also adds interest and / or financial costs to the basic value of the Debt come in many different forms including securities, securities, business, and personal loans. The lender must pay in addition to the total balance. Loans may be fixed, one-time, or they may be available as an open line of credit to a specified amount.



Takeaways Message

  • The loan is when money is paid to another party in exchange for the loan interest rate and interest.
  • Terms The terms of the loan are agreed to by each party before payment is made.
  • A loan can be secured with a credit agreement such as a loan or can be protected as a credit card.
  • Credit loans can be used, reused, and reused, while loan repayments are fixed, fixed-rate loans.

Types of Loans

The loan comes in many forms. There are a number of factors that can differentiate the costs associated with them and the terms of their contract.

 Secure Loan and Unsecured Loan

Loans can be saved or saved. Loans and car loans are loans, as they are both backed or secured by a bilateral agreement. In such cases, the mortgage is the property of the borrower, so the combination of the mortgage is the home, while the car guarantees the loan of the car. Baran providers may need to make other forms of credit to other types of loans in if needed.

Credit and debit cards are an unsecured loan. This means they will not return to any agreement. Unsecured loans often have a higher interest rate than secured loans, because the greater the risk than a secure loan. That's because a lender can secure a loan repayment if the lender cancels it. Prices vary typically from unsecured loans depending on many factors including the history of the loan lender.

Returns vs. Term Loan

The loan can also be described as a revolt or a season. Loan loans can be used, refinanced, and reused, with the loan term being indicated on a monthly basis for a fixed period. The credit card is unsafe, unpaid, while a mortgage line (HELOC) is secure, with a repayment of the loan. In contrast, a car loan is a secure loan, a mortgage loan, and a signature loan is an unsecured loan, for the duration of the loan.

What is Interest Rate?

The interest rate is the amount of the loan that the use of the property is expressed to 100 percent by the principal. The interest rate is normally commemorated on an annual basis called an annual percentage rate (APR). The loan may include cash, consumer goods, or large assets such as a car or building.

When borrowing: To borrow money, you will need to repay what you borrowed. In addition, to compensate the lender for the risk of the lender (and their ability to not use the money anywhere else as you use it), you need to pay more than you borrowed.

When borrowing: If you have extra money, you can either lend it yourself or deposit it into a savings account (effectively allowing the bank to lend or finance). Alternatively, you will expect to earn interest. If you will not earn anything, you may want to change that amount, because there is little benefit to waiting (other than to save future expenses).



Takeaways Message

  • Interest rate is the amount charged on the principal to the lender of a loan for the use of the property.
  • However, some loans use a combination of interest rates, which can be applied to the principal but also applied to the accumulated interest in past periods.
  • APY is the interest earned from a bank or credit union for a savings account or a deposit certificate (CD). Storage accounts and CDs use a combination of interest rates.

Understanding the Value of Interest

Interest is generally a rent or mortgage for a real estate consumer. In the case of a large property, such as a vehicle or a building, the rental price can serve as interest rates. When the loan is considered low on the borrower, the loan is usually charged at a lower interest rate. If the lender is deemed to be at high risk, the interest rate charged is high. The risk is usually assessed when the lender looks at the credit score of the lender, which is why it is important to have a good one if you want to qualify for the best loan.

Enforcement of Interest

You earn interest when you borrow money or put money in a bank account such as a savings account or a certificate of deposit (CD). Banks lend on loans: They use your money to lend money to other customers and to make other investments, and they pass some of your income on interest.

Occasionally, (monthly or quarterly, for example) the bank pays interest on your savings. You will see a payment transaction, and you will see that your account balance increases. You can use that money or save it in an account to earn interest. Your savings can really build up the moment when you withdraw interest from your account, you will earn interest on your old deposit as well as interest on your account. Gaining interest on the interest you have already earned is known as interest on the building.

Payment of Interest

When you earn money, you can definitely to pay interest. But that may not be obvious at all and there is not always an exchange for a product or a separate invoice for interest expenses.

Loan Loans: For loans such as regular mortgages, 1 auto, 5 and student loans, 6 interest expenses are credited to your monthly mortgage. Each month, part of your money goes to reducing your debt, but another part is the cost of your interest. With that loan, you pay off your debt at a certain time (15-year loan or 5-year loan, for example). To understand how this loan works, read the credit calculator.

Debt repurchase: Another loan is a loan transfer, which means you can borrow more than a month and then pay off a periodic loan.7 For example, credit cards allow you to use them consistently until you can. below your credit limit. Interest calculations vary, but it is not difficult to know how interest is charged and how your money works.

Additional Expenses: Loans are usually charged at a percentage rate (APR). This number tells you how much you pay for the year and can include additional expenses that are higher and higher than the interest rate. Your net interest rate is “interest” (not APR). On some loans, you pay for closing costs or financial expenses, which are technically non-interest costs from your loan amount and interest. It would be good to know the difference between interest rates and APR. For comparison purposes, APR is often a better tool.

Fixed Interest

The fixed interest rate is as it sounds - a fixed interest rate, fixed interest rate tied to a mortgage or loan that must be repaid, along with the principal. Fixed rates are the most common type of interest on a customer, as they are easy to calculate, easy to understand, and calm - both the lender and the lender know how their interest rate obligations are tied to a loan or credit account.

Variable Interest

Interest rates also fluctuate, and this is exactly what can happen with variable interest rates.

The convertible interest rate is often linked to the ongoing movement of the basic interest rate (as the so-called "primary interest rate" lenders use to set their interest rates. Interest rates fall (usually during difficult economic times.)

That said, if the base interest rate rises, then the mortgage interest rate could be forced to pay more interest, as the interest rate levels will increase depending on the initial interest rate.

Banks do so to protect themselves against the interest rate that will cost the whack, to the point where the borrower may pay less than the market value of the loan or loan interest.

In contrast, lenders are also profitable. If the prime rate goes down after being approved for a loan or loan, they do not have to repay the loan with variable rates depending on the initial interest rate.

Annual Percentage Rate (APR)

The annual percentage rate is the total amount of your interest shown each year in the total loan amount. Credit card companies often use APR to set interest rates when customers agree to take a credit card balance.

APR is calculated fairly - it is the largest price added to the bank's margin or the lender charges the transaction. The result is an annual percentage rate.

Prime Rate

Higher rates are the interest rates that banks usually pay to customers who love loans, as it is much lower than the standard rate of interest. The highest rate depends on the US dollar rate, i.e., the rate banks turn when they borrow or borrow from one another.

Although Main Street Americans often do not get the first interest rate when they borrow money, auto loans, or personal loans, the rate at which banks charge for that loan depends on the first rate.

Discount Rate

The discount rate is usually taken from the general public - it is the interest rate that the US Federal Reserve uses to lend money to short-term financial institutions (even at least one day or overnight).

Banks rely on discount to cover daily investments, to correct liquidity issues, or in real-time situations, prevent the bank from going bad.

Simple Interest

The term simple interest rate is the rate at which banks are commonly used to calculate the interest rate they borrow on (the compound interest rate is another common method of calculating interest rates used by mortgages).

As with APR, simple interest calculations are the foundation of the structure. Here are the calculators that banks use when deciding on a simple interest rate:

X interest x interest x n = interest

Compound Interest

Banks often use general interest rates to calculate bank rates. Basically, the center rate is calculated by the two most important parts of the loan - principal and interest.

With a fixed interest rate, the loan interest is calculated annually. Borrowers add that money to the loan's interest rate, and use it to calculate next year's interest rate on the loan, or what the accounts call an "interest rate" on the loan or balance of the loan account.

Conclusion

Sometimes we need to consider the opportunity to make decisions. While we can afford the monthly mortgage loan, we need to look at how much the loan will pay off.

Sunday, June 21, 2020

June 21, 2020

Energy Crisis

Energy Crisis 

Pakistan is currently facing up to 18 hours of electricity a day. The energy system needed, is complete with expulsion. Tens of thousands have lost their jobs, their businesses, and our daily lives have become miserable. Technical issues. If it will be discussed in the drawing board instead of using it. The most important decisions about energy projects should be based on national interests rather than political and personal benefits.

Pakistan is one of the most populous, geographically and strategically important countries in South Asia. Pakistan has been suffering from energy problems since the last four years.

In other words, these costs make up 53 percent of our total exports and are a huge burden on the goods we buy from other countries. Our need for hot water is so large that we cannot simply leak it and move visibly to water power.

Instead of using oil and gas, which are both expensive and have global competitive prices, we can move on to using coal. Thar coal is an important source of electricity for reasonable costs. We must ask media to make consumers aware of electricity use only when needed.

Summarize

Pakistan's severe energy crisis poses a serious threat to its weak economy and volatile national security environment. The country’s energy problems are far more complex and complex, based on less rule and political will than pure supply. This is due to (1) the absence of a comprehensive integrated strategy, which has resulted in increased wars and coordination, (2) insufficient revenue to support the energy generation and infrastructure, due to is the low flow of Pakistan’s tight economy and high levels. extraordinary tax, and (3) the refusal of management to implement changes in political desire to situation.

Solving Pakistan’s energy crisis will therefore require political will, additional funding, and new sources of power. Since the country does not have a significant domestic source of revenue, opportunities exist for international donors to invest in energy recovery. The United States has already provided more energy assistance to Pakistan, with Congress releasing nearly $ 300 million in new energy assistance last summer alone. However, the original energy solution should not be easily disrupted, and the Pakistani government should explore the defense of Thar and other sources of energy, among other options.

Policy Impact

  • This will result in fewer orders quickly and efficiently and requires no energy sector.

  • Fix A short-term decision that can lead to an emergency is to apply for a new loan from the International Monetary Fund (IMF). However, because the IMF may impose more stringent political requirements, Islamabad is unlikely to make such a request until the spring election.

  • Re-tax reform is necessary and should be designed to provide more income to Islamabad problem energy.

  • Pakistan can first better diversify its energy mix by importing clean coal, which is often cheaper than imported oil and gas.

  • Pakistan will not be able to implement the reform needed to solve its energy crisis unless the people of Pakistan choose spring leaders who truly want to serve the interests of their country.

The Energy Crisis of Pakistan and its Issues

Pakistan faces a number of issues due to its energy problems

  • Unemployment is a major issue. Due to the availability of electricity many industries have been forced to fire them. Pakistan’s unemployment rate is 5.90% in 2016 -2017. Many people lost their jobs. This ultimately increases poverty.
  • Other causes of this huge problem are due to the reliance on fossil fuels, natural gas imported from other countries. In indigenous technology, resources have not been used for energy production
  • The population of Pakistan has increased over the past 20 years on the demand for energy. No new approaches have been adopted to meet the growing population needs. each unit and each unit use electricity. At the time the new infrastructure is built for rapid production of electricity generation. But in Pakistan there is a development related to a new building. So, the production is slow and uses many sources of electricity. Pakistan relies heavily on imported fossil fuels that produce 1 unit of 12-14 rupees for electricity, and electricity generates 1 unit per rupee.
  • The fact of the land shows that there are many barriers to transit, prostitution in oil fields, inadequate distribution, poor planning, and poor management, and paying for all of these factors leads to theft of the energy supply chain. Political disputes exist on any issue that causes delays in policy making. There are many other factors that can contribute to the cause of energy problems in the country. Therefore, there are many factors that cannot be generalized. The Renewable Energy System of Pakistan was introduced in 2006. This policy has great incentives to allow investment to be made to other sources of energy.
Pakistan has great potential to produce other powers

  • Solar energy is a safe and easy way to adopt it. Pakistanis have a lot of sun throughout the year. In the industry, the public, the private sector can be easily converted to solar energy for electricity. This will reduce the production cost of power. It is used in low dose in Pakistan at family level. But this needs to be implemented more widely
  • Wind turbines can be used to produce electricity. The coast near Karachi is the best place for wind turbines. This method is very cheap. Production costs are much lower than other methods. No heavy machinery and infrastructure are needed. Recently some measures have been taken by the government to ensure a 5% share of the national wind generation by 2030.
  • Additional water dams are the demand of the country in terms of power and access to water. The bhasha diamond and Mohmand Dam are needed for today and the future of Pakistan. These structures will ensure water for electricity generation, agriculture and domestic use among others while maintaining 29 MAF of water per annum. 
The Future of Energy

To be a leader in the renewable energy industry, Pakistan must follow the Indian experience, where the government has built a chain of Indian Institute of Technology (IITs). These institutions have helped India predict the future and produce high-quality graduates.

Pakistan should undertake similar activities. This requires consistency and vision for the future of the country's leadership sector. The government must adopt a long-term plan to benefit these industries in the future. It could benefit from Chinese support and technical assistance, but achieving self-sufficiency should be its ultimate goal.

With its potential for solar and wind energy and a large number of youths, Pakistan can be a great home and hope for other developing countries in the world in the fight against climate change. Maybe that is Naya Pakistan (New Pakistan) Prime Minister Imran Khan should promise the nation.

Energy Efficiency and Energy Production

Energy performance (doing many tasks with less energy, according to Berkeley physicist Richard Muller) is "cheaper." It doesn't cost much. The McKinsey & Company report found that the savings made from energy storage and efficiency could be enough to pay for projects such as solar expansion from solar energy and solar energy installations.

In general, debates on energy efficiency often determine their ability to reduce energy use, reduce costs, and reduce greenhouse gas emissions. It is worth investigating if this day will work in developing Pakistan.

Like any emerging economy, Pakistan is focusing on reducing and reducing poverty, and the additional goods and services needed to produce those gains. Many business, infrastructure, housing, education, and health services require a lot of energy. Fortunately, the very idea of   energy is still underestimated, in part, as it is seen as a tool for reducing rather than expanding consumption and production. As Pakistan's focus remains on growth, and the nation is seen as central to its future, energy efficiency is being denied to slowing growth.

In fact, presenting energy efficiency as “less and less” than that of other developed countries, seems to be lost in translation to countries like Pakistan. Therefore, changes in energy efficiency are needed to better promote energy efficiency in a way that integrates such initiatives to improve living standards and prosperity. Another common thread that includes energy production is to be argued that, the production of more goods and services of the same energy. As opposed to traditional energy strategies that focus only on production, energy production technologies focus on creating more and more similar products.

Conclusions

However, energy production policy and its subsequent implementation cannot be seen as empty. Careful analysis of the relevant institutions should be undertaken to develop the desired strategic and strategic goals. In this regard, the Pakistani government should play an important role not only to ensure political stability and renewal of the institution but also to guarantee peace and security in the region.

There are short steps that Pakistan can take. One must formally apply for new loans International Monetary Fund (IMF) to provide urgent financial and economic badly needed to finance the resolution of the energy crisis. However, given that the IMF is likely to impose more stringent policy requirements, including the termination of some of Islamabad's infrastructure, it is unlikely to make such a request until this year's elections. Even if the next government follows up, another loan could easily be another short-term loan.

Above all, Pakistan should provide the needed immediate command and transparency in the energy sector and severe turmoil. A highly integrated and integrated department can best be achieved by integrating multiple energy-related agencies into one ministry. Establishing a strong agency will allow the Pakistani energy sector to enjoy a good coordination of planning, decision-making, and implementation. This also allows it to eliminate the reaction, reaction, and ad-hoc political environment characterized by the energy sector over the years. While such a change will indeed be difficult to achieve, the seeds are already planted. In the early 1980s, Pakistan experimented with establishing a coordinated system, but these efforts were removed due to power constraints. Today, some influential players in the energy field including policy makers have expressed their support for the revision of the concept. Following the establishment of a new institutional framework, Pakistan can move towards political change. This should include new assessment steps that not all eliminate, but in many cases, energy infrastructure. Tax reform is another inevitable and should be designed to give Islamabad more revenue not only to address the energy crisis but also to help poor Pakistanis who have suffered damage. face of benefits.

Pakistan should also make progress in terms of energy demand as it aims to reduce half of the 30% losses caused by distribution and transmission (a goal that will lead to the confusion of energy thieves). Both federal and provincial authorities should be vigilant in monitoring and repairing the essentials for each generation, distribution, and transmission facility to minimize flooding and other losses. Any effort to improve energy management will need to be achieved effectively by taking steps to control polluted water. Decades of water-efficient practices - including widespread irrigation and flood irrigation support - have helped to eliminate surface water tables and have forced farmers to spend excessive electricity on water wells to remove them ground water.