List of 10 things in various fields.

It's fair to say that everyone's personal conditions, valuables and possessions will change at some time or another and making sure that you have the right amount of insurance cover is critical, otherwise you could find yourself underinsured should the worst type of happen.

Get your sum insured right - it's important that you have the right level of cover to ensure you're able to reinstate everything should you have to make a claim. It might be wise to make an accurate assessment of what your house and contents are value.

Insure your home for its rebuild cost, not its market importance - your buildings insurance 'sum insured' must reflect the complete rebuild cost of your home, not its current marketplace value. If it's a new listed property, work will often should meet special Grade demands and insurance claims could workout more expensive - using specialist craftsmen and making use of traditional materials could increase the money necessary for rebuilding.

Reflect home improvements inside your sum insured - household extensions, new kitchens and bathrooms need to be included when renewing your house insurance as they increase rebuilding costs and then the sum insured. Also remedies fitted solar panels or other energy saving devices for a property you should make your insurer aware.

Review your policy often and update your subject matter - keep a review expensive items like flat-screen Tv set, music players, laptops and jewellery. Gold prices have increased significantly over past years, so it might be worth valuing your appreciated items again and making sure they're covered.

Also consider your clothes, shoes, hobbies and sporting activities - have you got expensive gear stored aside? If you're a financial institution, you may also want to consider how much it would cost to exchange your valuable or exceptional items.

And don't underestimate the money necessary for replacing carpets, curtains and other fixtures and fittings - important items we all neglect, but the costs rapidly add up if they have to be replaced.

Buy home and contents cover as well - the average cost of an home and contents policy is £237, but it could work out much more if you buy these people separately or from different companies. Buildings insurance covers the fabric from the building while contents insurance covers your belongings and everything inside. Usually by combining ones cover means there's only one excess to pay if you were to manufacture a claim.

Don't go with price alone - everyone's home, possessions and circumstances will vary so choose the cover you need and be sure to compare like-for-like. If you might have specialist requirements, contact ones insurer direct.

Tell your insurer in relation to security measures - you could possibly well benefit from fitted approved window and doorway locks, installing and making use of burglar alarms or joining a neighbourhood watch structure.

And make sure a person tell your insurer in relation to past claims - you have to let them know remedies previously made a claim as it avoids potential problems at a later date. If you withhold data, knowingly or unwittingly, you could run the risk of an future claim being broken. If in doubt, always confer with your insurer.

Internet users in Pakistan will experience slow Internet and disrupted connectivity due to a fault in one of the most important submarine cable – SEAMEWE4. The physical fault, which occurred near Karachi, has been identified and it will take a couple of weeks for complete restoration of the Internet in Pakistan. Meanwhile, bandwidth is being shifted to other cables in order to avoid any further inconvenience to the users.
Due to the physical fault, the bandwidth at the cables was not restored. According to a recent update from PTCL Cares on Twitter, bandwidth availability has been improved via shifting the load on the other cables but it will take 1-2 days to optimize the Internet speeds for the users. Currently, all Pakistanis are provided bandwidth from a portion which is about 5 times less than the original bandwidth allocated to Pakistan.
The following image shows the fault location near Karachi on the map for the undersea Internet cable – SEAMEWE4.

We tested out Internet speed at our end using PTCL speed test tool. The below images show the results of the test in Islamabad, and Lahore respectively. Internet speeds in Islamabad seem to be more prone to delays than in Lahore considering the difference in Jitter values. The download speeds are better in Islamabad than in Lahore, but it is opposite for upload speeds.
The tests below are conducted to show the impact of the fault on the Internet speed within the country. As pointed out earlier, the overall bandwidth allocated to Pakistan has been reduced to about five times. This means that Internet users within Pakistan have been re-allocated bandwidths without any optimization yet. Because of low bandwidth allocation, networks within Pakistan can experience bottleneck at peak times of the day.

Islamabad

Lahore

The state government of Kerala, India is now allowing engineering students to take a one-year break in order to start their own venture. Education Minister, P K Abdu Rabb, made the announcement during a seminar on ‘Startup Policy and Development’.
The new policy is only applicable to students who have completed at least two years of studies and want to pursue their entrepreneurial dreams or research activities. After a year, students can return to continue with their engineering course.
We hope Pakistan takes an inspiration from this initiative and help Pakistani students in starting their own ventures without dropping out of college.
Are you in favour of such a programme to be introduced in Pakistan? Let us know in the comment section below.

How to get mass traffic from Reddit ?
If anybody asks us about social media. We will probably tell them a few social network websites like twitter , Facebook , instagram etc.
Social media websites are not just for entertainment but also a great way to promote and boost your business. One of best social media network is reddit.com .

What is reddit?
Reddit is a social media forum that is that is a mass source of information and knowledge. On reddit you may find topics that are related to any subjects.
You can participate in discussion by commenting on post either in favor or against post. You can also share links to your articles or any intresting stuff and also write posts to share with reddit community.


What is sub reddit?
Sub reddit are defined as categories of reddit like news,funny,entertainment etc.
You may your own sub reddit or can post on other sub reddits.

What is reddit link karma?
On reddit the community can like or dislike a post or link that you have shared.
If people likes your post your karma will be increased if they dislike your photo your karma will decrase.
Liking and disliking on reddit are known as up-vote and down-vote
The more karma you have through your up-votes the more chances your shared post to be on front page of reddit.

Source of huge Traffic :
If you have an online bussiness or a website of your bussiness then you don’t have to worry about traffic (vistors).
Because you can get huge traffic easily from reddit.
All you need is to post a url of your website on reddit. The people of reddit will absolutely visit your site.
But to post a link on reddit you must need atleast 200 Karma!

How to increase karma?
You can easily increase your karma upto more than 200 daily.
Yes daily! You heard right
Search 3-4 photos of cute babies or any other eye catching photos.
Now save these images.
Go to Karmadecay. com
Upload saved images 1 by 1 to check that these photos already exist on reddit or not.
Because reddit can ban if you post a photo that is already posted on reddit.
So if any similar photo is found on reddit then ignore that photo and search new one.
So after checking uniqueness of images go to imgur .com .
Sign up and post selected photos one by one.
Then you will get links of these images.
Now you have to post these links on reddit separatly.
Write interesting title of post according to the photo.
Select sub reddit as Aww. Aww is subreddit where usually links related to cute things are posted.
Post these photos after 10 pm (Pakistani time).
Because most of community is online at that time.
Now just sit and see karma increasing if you followed my instructions well then your karma will be increased.
Just do these steps daily and reach 500-1000 karma then post your website’s link
And drive massive traffic.

I hope that you enjoyed my trick and also you get the traffic.
Happy earning

“Get good education and move to a bad neighborhood” was a constant advice I received from my advisor over the last six years that I spent at the Florida Institute of Technology (FIT) as a Fulbright scholar for my MS and PhD programs in Computer Science.

As soon as I realized that I was going to graduate in Fall 2009, I started sending out my resume to prospective employers in Pakistan. I started telling the world, ‘Look, I am young, energetic, full of ideas, and I have a PhD. I would like to improve (almost) everything. Hire me!’ So, with a beard on my face and “all the single ladies” tone on my blackberry, I returned to my homeland with the hope that I would get my dream job in few days, and will live happily ever after. Little did I know that what would follow was a time to make tough decisions and to re-explore the definitions of “higher education” in Pakistan.

I traveled to 13 cities, appeared in 35 interviews, and received 26 job offers. Academia, private companies, government organization, and NGOs — I explored every opportunity that I could. The majority of my interviews were at universities, and this is what I would like to share here.

For me, a university needs three things to survive and progress: teaching, institution-building, and research. I believe that everyone in Pakistan is doing a decent job in teaching. Of course, some are better than others and there is always a room for improvement but thanks to HEC’s syllabus recommendations, at least we know what we are supposed to teach.

There is a gap in institution building. Most universities in Pakistan are dependent on one person; if that person was removed, the whole institute may collapse. For example, what comes to your mind when we say Dr. Javed Leghari, Dr. Arshad Ali, Dr. Wahab, and Dr. Naveed Malik? SZABIST, NUST SEECS, MAJU, and Virtual University. We need to produce clones of these fine individuals – a lot of them – so that the institutions can survive for the next 100 years, and more. But, I don’t find myself educated or experienced enough to play that role as yet. I was just a student a few weeks ago and now, all of a sudden, I am an “expert” on everything? I totally disagree.

For now, I want to do research, and write proposals for funding. Very few people in Pakistan are correctly doing that, and I want to add value in that area. I also wanted to join an institution that gave me ample time to work on my projects. That means having a reasonable teaching load and limited administrative responsibilities.

There are several other interesting problems that one has to face after coming back to Pakistan. For example, during my interview process, the registrar of a well-known university told me that I would have more value if I had graduated from Karachi instead of Khairpur, and if I was born in Karachi instead of Sukkur. In another instance, my interviewer told me that I can only publish in HEC-recognized journals in ‘W’ category (I have no clue what that is), and everything else is useless. I tried my best to explain to him that we have quite a few reputable conferences in computer science, with the acceptance rate as low as 5%, but he wasn’t ready to listen. He told me that if I don’t have an Impact Factor of at least 5 (again, based on HEC recognized journals’ list) I won’t qualify for “HEC-approved PhD Supervisor” and he won’t hire me.

Government organizations have a totally different hiring style. You have to get an application form from a particular officer, fill-it-out with black ink, make 7 copies, attach 9 photographs and 8 CNIC copies duly signed and attested by a first class magistrate in the city court, and submit it via postal service with the demand draft of Rs 200! Well, I do not have patience to do all that, so I gave up after applying to a few places. Another issue with the government organizations is the salary package and the only perk they usually offer is the “permanent” position.

Private universities offer high salaries and good incentives packages; smaller universities pay the highest amount. For example, a fresh PhD can get an excellent salary package and directly become an associate professor (skipping the assistant professor position) or even the Head of Department somewhere in rural Punjab or interior Sind. The salary is between Rs 40,000 and Rs. 80,000 for Masters, and Rs. 80,000 and Rs. 200,000 for PhDs. Universities with good working and research environment usually pay far less from what you can get at a relatively new setups.

The problem I had with small private institutes is twofold: first of all, they have totally unrealistic expectations. They think that after returning from the U.S, you have a magic stick that can use to turn their institutes into LUMS in no time, and you alone can do all the work. The second problem is one’s personal and professional growth. There is very little hope of doing original research after being bombarded by unprofessional and entirely commercial interests of the management. In one instance, my employer told me, that he is not hiring me to teach, or “do some research that [he] cannot understand” because he had several “low-salary individuals who can do that.”

The teaching load in most of the universities is another issue. In one instance, I was requested to teach 12 credit hours per semester (4 courses), be an advisor to a batch of 113 students, be the convocation manager, and I was expected to spend 40% of my time on administrative work.

After going through this prolonged exercise, I came to the conclusion that there are very few places where I can work while surviving the reverse cultural-shock; places that offer a good working environment, have professional ethics, and understand the needs of a young researcher. GIK Institute turned out to be a good choice for me. GIKI makes landing very smooth for returning scholars. Pay is good, and teaching load is very reasonable (two courses every semester and summer teaching is optional). Perks include a free 5-room luxury apartment, schooling for kids, medical center, including the cost of diagnostic tests and medicines, internet, campus-wide telephone, and house maintenance (you will know how big a blessing it is when you have to find a plumber in Karachi). The location has its own charm; pollution-free environment and a quiet and secure campus. Furthermore, there is a lot of space for your own research lab. GIKI also gave me a seed funding to start my research center. So, for me, GIKI turned out to be the best choice. For others, especially those who might have their homes in major metropolitan cities and don’t have to pay a hefty monthly rent, other universities may be a good option as well.

While I am learning the ropes of my new job, I would like to leave the readers outside Pakistan with one request: In the end, this is our country, it deserves to be better, it can be better, and we will make it better. Please return to your homeland. We need a lot of you to synergize our efforts for a prosperous Pakistan. Amen!

Facebook privacy is a great problem, no doubt Facebook is doing huge efforts in providing best privacy as much as they can. But some of the little bit bugs and other privacy issues always remains same. Facebook has no ways to make them secure just because these bugs can be directly accessible for database. Some bugs are also present which cannot be fixed from huge time just like of Making Single Name Account. Which i posted around 2 years ago and till now its working fine. So Today I am going to discuss another amazing Facebook trick related to Profile picture and by using this trick you can easily open an locked profile picture with simple and easy way. Actually this not an hack or even you are not breaking any kind of Privacy. In this method you are directly making some changes which helps you to access that profile photo which is present in Database in actual size. I already reveal huge number Facebook tricks and tutorial if you interested then must check them out here All Facebook Tips, Tricks and Tutorial.

How To Disable Blue Ticks from WhatsApp

WhatsApp New SEEN Update: Read Receipt/ Blue Ticks Function

Step1:- Download Latest version of  WhatsApp. Mobile user can also download from Google Play Store
                                   
                                     

Step2:- After Downloading new version >> Click on your WhatsApp account settings.

Step3:- Settings>> Then click on Account>> Privacy.

Step4:- Scroll down and you will find "Read Receipt" feature option. It will show you Tick on it Simply just Uncheck the tick option.

Another Method

What is Merging ? What Limitations Facebook Apply ?

Solution of Merge After Error

Settings For Merging in Chrome

• First of all Open Google Chrome and the download Hola Better Internet Extension.
• After installing this extension small extension icon will appear.
• Click on the Icon and select US or Canada to apply proxies.
• After Selecting make sure its working or not.

Steps For Merging Pages

• Now Log in into your Facebook Account
• Then to merge Facebook pages Click Here
• If the form will appear then its fine other refresh that form again or otherwise change your country in Hola Extension.
• Select Your Page in 1st Page option ( Page Which want to keep)
• Tick the box and select 2nd Page which you want to merge.
• Make Sure that you select same pages in accurate manner
• Now Submit Your request.

Best Way to Use This Request Method

• Make Sure that your both page names should be same. If you want then read about Changing Page Name After 200+ Likes
• Page Category Should be same for both page ( Local Business Recommend)
• If your Pages having Addresses then add same address in both
• Try To make Your both Pages similar as much as possible this will increase the chance of request approval.
• By using this request method you can merge Big Pages Into Small pages also. But names of both pages should be same.