Do You Drink Too Much Alcohol

I hate to say, but if you drink your habits and patterns in question provide, more than likely have a drinking problem. Comment if people in your environment to your drink are can then you to hear. If alcohol is negative impact on your life and you continue to drink, then you have a drinking problem.

While it can be can seem to be no silver lining in this cloud I say with authority that it is a silver lining – the majority of people, stop drinking you want nothing more than willpower. It is not uncommon that many people who regularly reach where you simply decide to stop, to a point, is it from medical or social, drink.

Unfortunately, many have to not the willpower quit cold Turkey and find to achieve for a drink. In this case is the problem of one of dependency and even abuse. It is, if this behavior is not normal that reached the point of alcoholism.

If you and your family are affected by your drinking habits is help available. Their first port of call should be your doctor, who can advise you on whether drugs will be necessary as well as you care centers in end can help. Alcoholics Anonymous is another option for those who looking for group and one on a support.

The Internet is another resource, who need the help, you, you to live a life free of dependence on alcohol. Able to speak, to understand your situation are important for the success of your effort.

You will discover how easy it is drinking of alcohol by the support of people, that it, been to stop and understand the real hardships involved in.

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Hair Loss Surgery-important Information To Know

Search for a solution to this problem is very important for you, if you use hair loss of life. Hair loss surgery is an option to learn more.

Now, this operation is not right for everyone. Before you need to decide whether it for you or not is the right thing, you know some important information about you. This will help you to make a more informed decision.

Choose not always this surgery until you know that it will be right for you, because it is very expensive to have done it. Is the first thing you need to find out if you can afford.

Most people use this only as a last effort to prevent their hair loss because this surgery can run anywhere from $4,000 to $15,000.

It is very important for you to understand what exactly this operation. What, in fact, surgeon is used your hair and skin, and then it planted in all environments, missing hair. This can be a lengthy process.

The expected result is that after the operation, the scalp look is, as there were no hair are removed and the surgery replaced you look all the hair, are missing, as you a full head of hair.

This surgery for hair loss can be a useful tool for many people, but it is not for everyone and that is, time, take why you have to speak a professional before you make your decision. For this type of operation you have also to you about the side effects learn speak.

Most people are people in the advanced stages of hair loss or are of an age where you not be able, will improve your hair loss in the course of time to use this treatment for hair loss.

Now, that you know about this important information, you are a more informed decision about whether this operation is right for you in the position.

Simply, do you like yourself one and talk to a professional about hair loss surgery before you make your final decision. This could prevent your best choice for the loss of more of your hair, but you will not know if you don\’t have the time to explore this option in conjunction with others.

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Karunanidhi, Jayalalithaa Declare Assets

Chennai, Mar 25 (IBNS) Tamil Nadu Chief Minister M Karunanidhi and his rival J Jayalalithaa are worth a little less than Rs 100 crore if their declared assets are clubbed together.

While Karunanidhi has declared assets worth Rs 41 crore, Jayalalithaa has come out with assets of Rs 51 crore.

Both the leaders have made their assets public as per the Election Commission guidelines ahead of next month’s state Assembly polls.

Karunanidhi’s assets include the property of his two wives Dayalu and Rajathi.

His own assets amount to Rs 4.92 crore.

Dayalu, mother of Union minister MK Alagiri and state deputy CM Stalin, owns immovable properties worth Rs 15.4 crore.

She also has a car worth Rs 16 lakhs and 60 per cent stake in Kalaignar TV, valued at Rs 6 crore.

Besides, Dayalu owns gold jewellery worth Rs 10.96 lakhs and other jewellery worth Rs 1.6 lakhs and a house in Tiruvarur worth Rs.5.51 lakhs.

Rajathi, mother of MP Kanimozhi, has immovable property worth Rs 20.6 crore.

She also has 25 lakh shares worth Rs 2.5 crore in Westgate Logistics firm and gold jewellery worth Rs 9.85 lakhs.

Rajathi also owns a house in Chennai valued at Rs 3.14 crore.

Jayalalithaa, a former Tamil Nadu chief minister herself, has declared assets worth Rs 51.40 crore.

The assets include Rs 25,000 cash in hand and bank balance of Rs 4.5 lakhs and five cars worth Rs 8.35 lakhs.

She also has agricultural land worth Rs 11.3 crore and owns four commercial buildings in Chennai and Hyderabad valued at Rs 6 crore 39 lakhs.

Jayalalithaa also revealed that bank deposits amounting to Rs 2 crore and investment in shares worth Rs.50,000 have been seized by the police and given to the custody of the court.

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Elizabeth Taylor

The Cleopatra costume will, surely, dominate the news reports but with all respect to the Egyptian queen, Liz was bigger than that.

Elizabeth Taylor evokes more images than the number of husbands she had. She was the breathtakingly beautiful child who – unlike her near contemporary, Judy Garland – seemed to slip into adulthood unscarred by her precocious professional success; the sultry dramatic actress; the compulsive bride, who went through husbands like fashion trends; the scarlet woman who broke up America's sweethearts, Eddie Fisher and Debbie Reynolds; the female half of what can very legitimately be described as the greatest love affair of the 20th century; the most beautiful woman in the world; front-page stalwart of the National Enquirer; star of some of the best movies of her era; star of some of the worst celebrity perfume adverts; the gay rights campaigner; the defender of Michael Jackson. Next to Taylor, Marilyn Monroe looks monochrome and monotone.

Even towards the end of her life, Taylor, despite near incapacitation, still not only understood the increasingly ridiculous celebrity world, but proved that – to paraphrase a quote from her most photographed role – age could not wither her. She was one of the most mature users of Twitter and her Twitter feed was so Tayloresque as to be nigh-on parodic, mixing passionate defences of Jackson with shout-outs to reality TV android Kim Kardashian and the occasional – and necessary – denials that she had re-re-re-re-re-re-re-re-remarried ("Jason is my dearest friend!" she tweeted last year, at the age of 78, with an understandable giggle).

Those born in the 40s will probably remember her as the wife of Richard Burton and the actor who radiated sex without ever being as coarsely upfront with her assets as, say, Monroe or Jane Russell. Those born in the 70s will have the slightly less erotic image of Taylor as the wife of the unforgettably named Larry Fortensky, sporting makeup, jewellery and hair that makes Russell Brand today look a bit low-key. Yet she was equally famous to those born in either decade, and this is not just because of her ever fluid image but her fearlessness at breaking social mores.

Her close friendships with gay actors – most notably Rock Hudson and Montgomery Clift – showed her to be more open-minded than most in an age when homosexuality was career-threatening. Taylor did more than pretty much anyone in her era by helping to remove the stigma of both homosexuality and, tragically, Aids by her loyalty to Hudson when he was dying from the disease.

Just as scandalous in its way was Taylor's relationship with Burton. Both were married when they met and neither made any attempt to hide not just their love for one another but their lust. Now divorce is as common among actors as undeserved Oscars but Taylor and Burton still look red-blooded next to today's anaemic Hello! wedding spreads. The publication last year of Furious Love: Elizabeth Taylor, Richard Burton and the Marriage of the Century, by Sam Kashner and Nancy Schoenberger, truly puts to shame today's pretenders, not least with its inclusion of Burton's love letters to Taylor. But there was one letter even Taylor, the consummate celebrity, couldn't share with the public: the last one Burton wrote to her just before his death in 1984, saying he wanted to come home, and Taylor was home. That letter remained where it has ever since she received it: in her dressing table drawer, next to her bed.

Carrie Fisher compares her mother, Debbie Reynolds, and her father, Eddie Fisher, to Brad Pitt and Jennifer Aniston, with Taylor – who made Fisher her husband number four – playing the Angelina Jolie role. It is a smart riff, neatly evoking the media hysteria that accompanied Fisher and Taylor's affair while he was still with Reynolds and the ensuing marriage (and, inevitably, divorce – there was no way little Fisher could ever compete with the mountain of machismo that was Richard Burton).

But the real joke is the comparison between Jolie and Taylor. Jolie's fame rests entirely on her personal life, which can be summed up as "married Rachel from Friends' husband, fond of adopting". As Jolie has amply proved, one doesn't need to be a good actor, or even appear in any good films, to be an A-list celebrity these days: one just needs to be thin and have a fondness for being photographed. Taylor had the life, the looks, the movies, the smarts and the talent, and she – unlike Jolie – looked as if she not only enjoyed the occasional plate of pasta but my God, to watch her eat it would have been an experience in itself. As they say in Hollywood, it's the films that got small.

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Home Loan - It's Tough Being A Guarantor

It has serious implications, and being relieved midway is not easy.

Few years before, Nitin Bhalla had stood a guarantor for his friend’s home loan. Now, he wants to opt out, but the bank is unwilling to play ball. This is despite his friend paying his equated monthly instalments (EMIs) regularly. The bank wants him to continue as a guarantor for the current dues.

“The guarantor cannot shirk his responsibility now. The bank had taken both his and the borrower’s creditworthiness while disbursing the loan,” says V N Kulkarni, chief counsellor, Abhay Credit Counselling.

SET FREE ASKING TO BE RELIEVED ISN’T EASY UNLESS…

There is a substitute guarantor for the loan The bank is convinced about your reason for not wishing to continue Get the defaulter to clear his loan Until the bank hands over a discharge letter, you are liable for the amount outstanding as on the date of revocation of your guarantee If additional loan is granted without your consent. You will not be liable for that portion

Need for guarantors
Most banks will ask for a guarantor when the value of the security offered is lower than the loan. In case of home loans, the mortgaged property itself is a security with the bank. Yet, some banks can ask for a guarantor, if they fear the value of the mortgaged property will decrease, or if the borrower’s income looks uncertain.

Few banks may not ask for a guarantor, but insist on a co-borrower. This, however, does not change anything for the co-borrower. His role and liability are the same as that of a borrower if the first applicant defaults.

Banks offering educational loans above Rs 7.5 lakh usually accept the parent as a co-borrower. But the bank may insist on an additional guarantor, if it thinks the parent alone is financially incapable of servicing the loan.

Loans above Rs 10 lakh, taken by small and medium enterprises, also need a guarantor.

Locked in as guarantor
Relieving a guarantor is solely at the bank’s discretion.

“Banks usually exhaust all their resources to get the borrower to pay up, before asking the guarantor to pay up,” says S Govindan, general manger, personal banking and operations, Union Bank of India.

Most banks are not willing to relieve the guarantor. But the option may be considered if the guarantor is able to convince the bank of his\her reasons for not wanting to continue.

A guarantor can ask to be relieved when an additional loan has been granted without his consent. He will, however, be liable until the original amount of the loan has been repaid. In both cases, the bank will insist on having a substitute guarantor. From the recovery point of view, banks have the right to recover the default amount from borrower and/or the guarantor. And, unless the guarantor claims himself\herself insolvent, the bank will try and recover as much of its dues as possible from him\her, say bankers.

In case the bank has some tangible assets of the guarantor on which a charge has been created with the bank, it can invoke the provisions of the Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interests Act, or SARFAESI Act, and auction the guarantor’s assets for recovery of its dues.

If the guarantor’s assets are not mortgaged with the bank, it could approach the Debt Recovery Tribunal, a fast track court for recovery of debt for banks. When there are no assets that can be liquidated, the bank would initiate legal action against the guarantor in the civil courts.

Loans for oneself
Being a guarantor is as good as taking a loan yourself, in terms of credit exposure. Some banks inform credit bureaus about both their borrowers’ and guarantors’ exposures.

“This could impact the amount of loan that the guarantor can take in the future, since his\her potential obligation as a guarantor is factored in by lending institutions,” says Samir Bhatia, managing director and CEO, Equifax Credit Information Services.

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Health Cover For Kids Up To 14 Years In Govt Schools

NEW DELHI: All children below the age of 14 studying in Delhi schools – government-run, government-aided, MCD/NDMC and cantonment board schools – will now get free treatment and compulsory check-ups.

In the budget for 2011-12, the Delhi government has announced a new scheme – 'Chacha Nehru Sehat Yojana' – which aims at providing free healthcare to almost 27 lakh school-going children. After implementation of Right to Education, this is going to be the biggest leap for the adoption of
'Right to health for all children', said chief minister Sheila Dikshit.

She said an initial corpus of Rs 100 crore has been proposed for this particular scheme which can be further assessed and increased according to future requirements. The total outlay for the health sector in this year's budget has increased to Rs 1801 crore – 13% of the total outlay – from last year's Rs 1,243 crore.

The focus of this year's health budget is on the augmentation of existing health infrastructure and starting new schemes to improve services – for example, starting of specialized clinics for diabetics and kidney transplant at Guru Tegh Bahadur Hospital in Shahdara and a health insurance scheme for EWS. Two new medical colleges are also going to be started in Ambedkar Nagar and Dwarka.

The government's plans also include starting of a 500-bedded ward block at GTB Hospital, construction of Phase II of the Institute of Liver and Billary Sciences and setting up of more hospitals at Ambedkar Nagar, Burari and Dwarka. These projects had been mentioned in the last budget and even the year preceding that. An outlay of Rs 167 crore is proposed for construction of new hospital buildings at Sarita Vihar, Sirapur, Keshavpuram, Chattarpur and Bapraula and maternity and child hospitals at Molarbandh and Jhatikra.
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Sehwag Fit To Play Against Australia

In what is bound to lift the spirits of the Indian cricket team ahead of the World Cup quarterfinal clash against Australia, dashing opener Virender Sehwag has been declared fit and is likely to play the match in Ahmedabad on Thursday.

Sehwag had to sit out of Sunday's game in Chennai against West Indies due to a knee injury. Sehwag's knee has been bothering him since the start of the World Cup. India won the match by 80 runs and came second in the Group B.

Suresh Raina or Yusuf Pathan will most likely make way for Sehwag against Australia. Pathan has struggled throughout the tournament and Suresh Raina also failed with the bat in the last match against West Indies.

In his absence, Gautam Gambhir had opened the innings with Sachin Tendulkar..

India will play Australia on Thursday at Sardar Patel Gujarat Stadium at Motera and India are seen as the favourites to win the match as defending champions have been struggling with both bat and ball.

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Car Loans Likely To Get Expensive From Next Month

The car loans in the country are all set to get costlier as lenders in India are likely to increase the interest rates. It is to be mentioned here that RBI has recently tightened the interest and now the car loan providers are expected to follow by hiking the car loan interest rates. Leading auto loan providers like HDFC, Kotak Mahindra Prime and ICICI Bank will be taking a decision in this regard by next month.

According to a statement given by a senior executive of HDFC Bank to ET, "A final decision will be taken from April on-wards as we want to finish our pipeline of our cases for March, before altering future interest charges."

At present, the interest rates of Private Banks fall in the range of 10.5-14-5 %. On the other hand, the PSU banks such as SBI, Canara Bank and Bank of Baroda and Punjab & Sind Bank charge rates ranging from 9.25-12 %. Following this hike, the interest rates of both of the sectors will see a substantial increase.

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Hinduja Global To Hire 2,000 People

Outsourcing firm Hinduja Global Solutions (HGS) today said it will hire about 2,000 people in the next fiscal to ramp up its headcount to 22,000.

The company currently has close to 20,000 employees. "We are looking at expanding our headcount. We will hire close to 2,000 people in India and for our other offices," HGS CEO Partha Sarkar said.

The jobs on offer would centre around the company's major activities. HGS provides outsourcing solutions to over 80 clients through its 45 delivery centres in India, the US, UK and Philippines.

It serves industries like insurance, telecommunications, pharmaceuticals, life sciences, banking and financial services, consumer electronics/products, government, media and entertainment, energy and utilities, transportation and logistics.

The voice-focused BPO is eyeing the acquisitions path to growth, Sarkar said.

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Forget The Loan: Here Are Six Ways To Fund Your Kid's College Education

Before I even thought about having kids I started planning their college fund. Then I got divorced and my ex took the college funds and cashed them out to by a belt and a new wardrobe. For the next seven or eight years, I sat dazed and confused without saving or doing much else but surviving. Then, just the other day, I woke up and realized that my oldest is going into fourth grade! I best get on that college-fund thing.

I researched a bit and as I looked at the numbers I had a mini panic attack. One site told me that I would need to start saving $1,000 a month just to be able to send my eldest to college. I used the online calculator but fudged the numbers: I couldn't bear to admit that I would have two kids in college at the same time!

Dr. Pamela T. Rambo, of Rambo Research and Consulting, is a retired college financial aid and scholarship director. As someone who has more than 30 years of experience helping families pay for higher education, she understands the issues. "In this economy, where parent investments and home equity have declined, paying for college is tougher than ever. Even those with 529's and other college savings plans are having a tough time."

If your kids are going to attend college, but you haven't save enough money, they may need to take an alternative route to get there.

Send them to community college. Consider the idea of going to college nearby and avoiding room and board and other related costs, notes Rambo. She also suggests going to a community college to save big on the first two years.?

Look into a year of public service. Colleen Flynn, manager of LiftCommunities.org, a nonprofit agency in Washington, D.C., notes that "AmeriCorps offers education awards of approximately $5,000 for each year of service (up to two years), and several schools offer matching awards. With a year of work-service experience, public service alums are often considered more desirable by colleges because they add a level of diversity and increased world experience that the typical high school grad doesn't possess." This increases their chances of receiving additional funding or scholarships from the school, she says, "and often they are more prepared to attend college because of their service experience."??

Get hired by the college of your choice. Erika Huebschman, a third-year law student at Whittier Law School, suggests taking a job with the college you're interested in attending. Many of them offer their employees benefits, and usually, they offer educational benefits. If you work at the school, you could possibly attend classes for free. Huebschman's sister "paid for a lot of her law school working as an assistant in an administrative office."

Acquire class credits. "One way for families to decrease the price of college is to utilize alternative credit," explained Caitlin Muir from CollegePlus.org. "Some options include AP exams, CLEP tests, and dual credit. Students and their parents can save thousands of dollars. For instance, if a student grew up bilingual, he or she could take the Spanish CLEP test and earn 12 college credits in one afternoon. The CLEP test costs $77. Can you imagine paying $77 for a full semester of college?" ?

Serve in the armed forces. Lisa Hill, a mother of a college student at Rensselaer Polytechnic Institute in Troy, NY, says that her daughter has a four-year Navy ROTC scholarship there. "She gets a monthly stipend, attends a private engineering school, and will only have to serve her country four years to repay for college.?Not only will she get great engineering experience and travel the world, but?she'll come out of college debt-free."

Enroll in a tuition-free school. You may not be aware of it, but tuition-free schools do exist. The Cooper Union, in New York City, is a highly selective institution with an impeccable reputation. Berea College in Berea, Ky., also offers free tuition. All you need to do is fulfill the school's requirements, which are usually working a dozen or so hours a week on campus in a job that is related to your major.

Paying for college has never been more difficult, but there are some good opportunities available, it's just a matter of sitting down and hammering out your priorities and options.

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