How to reduce Traffic congestion in cities?

Traffic is major problem when it comes to big cities in India. Here we are facing a terrible situation where people can afford to buy cars and other vehicles but the infrastructure is such that we are unable to bear them on the roads. The problem starts right at the base level. The quality of road construction is really not of the standard to take the huge burden of these vehicles. To add to this the width of most of the roads is so small that vehicles are crammed for space.

Apart from the major highways which follow the western standard of the lane system there is really no structure elsewhere. When I travelled on the Mumbai-Pune Expressway the experience was amazing. Here the roads are wide enough very much like the freeways in US. Four lanes on each side make the driving experience extremely pleasing. However, if you travel via the national highway then you are bound to be disappointed. At some places you get a feeling that the road should have been tagged as one-way. Such routes result in immense traffic congestion and the time taken to move from one place to another literally kills you.

Commuting within the city is the biggest pain. People lack parking sense and parallel parking is not something that most people do flawlessly. This is not US or Europe where we hardly find anyone walking down the streets. Due to high population density the 2 feet wide footpaths give hardly any room for moving people. This results in people walking on the roads leading to bizarre views where cars need to honk to move the people. Traffic kills the incentive to travel by your own vehicle. Not only does it increase the cost of travel by eating up gas but also makes the travel extremely tiresome. I prefer trains when it comes to travelling in Mumbai.

We really need to find some solution to this problem. Road widening is one of the ways of reducing traffic. But that might not be always practical. I feel we must impose the lane system even on smaller roads. Currently Autos and bikes are the real bottlenecks for controlling traffic. You can find an auto rickshaw squeezing past in weird angles to get ahead of the traffic without any lane restriction. Severe penalties must be imposed for any lane violation. This will make it compulsory for each vehicle to respect the process.

People parking their vehicles on the corner of the road should be fined. There must be strict parking rules and guidelines otherwise there is hardly any chance that people will follow the process religiously. The administrators need to take some stern steps to enhance the quality of infrastructure.

How do you think we can reduce the traffic congestion problem in the cities?

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How to cordially avoid Shopping?

I am not a shopping person but my wife is a real shopaholic. I find it extremely difficult to control her when she is on a shopping spree. I am perfectly fine when we shop for our necessities but when it goes beyond that then it becomes a lot scary. Your entire financial budget goes for a ride. If you say that you really can’t buy something then it can prove as mega emotional blunder and leave a big frown on the face of your wife. Your entire evening can be disrupted and if things go really bad then the anguish can continue for more than 2-3 days.

How do you prevent your wife from shopping without taking a personal blow?

Here are some of the steps that I follow:

Just avoid going to the malls. These are the places where you can be guaranteed that you would be robbed indefinitely. I generally tend to make an excuse that I am having a bad stomach or I am not feeling well. If I say that I want to watch a cricket or a football match then it might prove disastrous. So make an excuse that looks genuine. The preparation for this can start a night before that. Shopping generally happens over the weekends. So Friday and Saturday nights are very critical. This is also the time when most of the EPL and Champions league games are scheduled. So you can just lie down on the bed, enjoy the games and at the same time make sure that you have the setup the stage for the next day.

This tactic might not work always. How many weeks will you do this? You need variety. Take her to a movie next week. You will spend at least 3-4 hours and that might be just enough to distract her. Movies are cheap options and you can manage that in your budget.
The following week you can take her out to an affordable restaurant. Lunch or dinner for two is not such a costly proposition. The other alternative you have is to visit a relative’s place. Wives end up spending a lot of time chit-chatting. This way you can smartly keep them away from their shopping mission. You can also tell her that we really need to clean up the house over the weekends. This can be a great option as well.

Let me know the other options that you can think about. I would love to implement the same.

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RJs have transformed Indian Radio

20 years ago radio was not the way it is now. I still remember the way music was being played. There used to be an announcer who used to broadcast in a very dull non-intuitive manner. The style used to be simple with hardly had any flavour. Probably in those days we had not yet unleashed the true potential of radio. I remember there used to be 2 main radio frequencies Vividh Bharati and Bombay B. These Audio stations were not solely for music. You could hear some stories, parodies, news and music. These were the evolutionary years and the music anchoring was not that great.

During those days it was hardly expected that these anchors would do anything more than just plain and modest style of communicating things.
When Harish Bhimani started anchoring he used a unique style that grabbed the attention of the listeners. This was probably the first time that something different was added to the art of radio anchoring. A few years later FM came into existence and the concept of Radio jockey was adopted for the first time on Indian radio.

RJ Jeeturaj really revolutionized FM radio in Mumbai. I assume sometime is 1991 the first FM radio station was launched. This radio station was obviously an uprising in history of radio. Every Sunday there used to be a 2 hour program on the top 25 Bollywood songs and the way it was anchored was something unconventional on Indian radio. The signal quality and the music output were phenomenal. You could hardly compare it with any of the AM frequency radio stations. The RJs anchored in such a way that the FM stations immediately gained a lot of popularity.

The radio jockeys need to have significant skills and talent compared to normal anchors. It is not anyone’s cup of tea to just speak for hours and hours and ensure that they provide quality and spice to their listeners. The flamboyance of speech and the amazing vocabulary of classy RJs are bound to influence most people. Whenever I drive I love to hear different RJs. RJ Sangeeta, RJ Meera and RJ Anmol are my hot favourites apart the obvious RJ Jeeturaaj.You get to hear the views on the latest topics and different types of news and reviews that makes your experience particularly enticing.

Today, RJ’s have literally transformed the radio.


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How to prevent bankruptcy?

How do you ensure that you have the required funds that are sufficient to take care of your debts and other liabilities? It’s something that you would really need to think about. Most of us are not really equipped to deal with our obligations. But isn’t that the most mandatory part of our lives that requires dealing with thorough perfection? Obviously yes!! If you protect yourself from your debts then you will surely avoid bankruptcy.

What are the different types of obligations you have that can make you bankrupt? Just imagine of a situation that you have bought a new house in a plush locality. Obviously, with the high realty prices you can’t pay all that money by yourself. You need to take a loan. Your EMIs are significant and let’s say that you need to pay $1000 EMI per month. Now if you are currently having a job that pays you $6000 per month then probably you are well-equipped to take care of your EMIs. What happens if something wrong happens to you? I am putting the most pessimistic scenario because this is where you will really need to manage the risk.

Have you made sure that you have covered this risk? What you need to do is to buy an insurance cover for your loan amount. You might need to pay a few dollars extra. But that is worth paying as it will protect your spouse and kid from an adverse uncertainty. Same thing applies if you have bought a car and are paying EMIs for it. Make sure that you have covered all your major risks. To prevent bankruptcy you don’t need to insure yourself for petty risks but term insurance is a must. Always make sure to cover your primary liabilities comprehensively in the order of their severity.

At any point of time don’t have more than 1 loan. I am always against credit card. But you can have 1 credit card which you always pay well ahead of time. This way you will significantly reduce the risk of bankruptcy.

Do you have sufficient money in your bank and have you nominated your dependents?

You might have huge money lying in your bank account. If you have not nominated anyone then no one will be able to use the money in your bank account in your absence. Make sure that you nominate your dependents so that they don’t face a herculean task getting the money from your account when they actually need it.

What are the other things that you can do to prevent bankruptcy?


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Choose for yourself the right real estate agent

If you are choosing real estate as a trading or investment option then you need to find the best possible bargain for yourself. If you have to do it all by yourself then you will need to burn the candle at both the ends. You just can’t afford to go that way if you are working somewhere. You would need to hire a quality real estate agent. The choice of real estate agents depends on your need. For instance, if you need to do an investment then you need someone who thinks more than 1 or 2 years. You will really need someone who can evaluate the real potential of your flat 5 or 10 or 20 years down the line. If you are looking plainly from trading perspective then you need a real estate agent who can give you a futuristic insight on the flat valuation from 3 to 24 months. His past predictions and sale record will help you get a better picture.

Choosing the right real estate agent is very important. These agents don’t do things for free. They get their commission from every transaction. While trading you are not looking at breaking even but you really want a good amount of profit after considering the commission. You need to choose a real estate agent you knows the locality in complete detail. He must have some good tie-ups with the builder and actual sellers to help you get the best possible deal. Typically, while trading you need a ready possession house. Your real estate agent must have great contacts. This will help you find a buyer when you plan to sell your home.

Investment is a different ball-game altogether. Investment in under-construction flats is more predominant. The primary reason is that the rates are quite low and you would be able to get a real value deal. But you just can’t trust a builder to build a house for you within a certain period of time. You must know his track record and the actual details of the plot where your flat is going to reside. The real estate agent should help you find a builder with extremely good reputation and who has all his papers and clearances in place. Preferably an agent that belongs to the particular area is the best suited for such deals.

Make sure your agent doesn’t charge you exorbitant commissions. Also, there should be ideally no charge for shortlisting prospective deals. Choose a real estate agent who really minimizes your expenses.


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How to choose your topics to write upon?

Most of us have found it very difficult to choose the correct topics to write articles. At times it becomes difficult to think what you need to write on. Everyone has certain interests and we tend to write topics based on those. The initial stream of thoughts for selecting topics is quite easy and just flows in naturally. However, after a certain point you reach a level of saturation. Beyond this it is very difficult to think about topics.

There are millions and millions of topics that might interest people. But how do you choose the right topic and the write an article that reflects your own exclusive style. This is a puzzle that I haven’t been able to decipher yet. But here are some of the pointers that help me choose my topics.

You will always excel in the areas that you have a craving for. Something that appeals you will appeal others if you have purity of thoughts and structure to put it in right place. My strategy is to depict almost all topics from my core interests. Let’s say you are a sports enthusiast. Writing something related to sports won’t be difficult. You need to find out the most common topics in the sports field. Some of them might immediately click to you. What you need to is to explore it in a bit more detail.

I am a believer in writing for myself first rather than search engines. I am not a professional writer so this strategy works best for me. Probably, if your goal is to attract masses then you need to go out of your areas of interests and explore something that historically appeals more number of people.

Saturation is dangerous. You need to find what interests other people as well. Just do a research on the web. From my findings so far, anything related to health and medicine catches more attention. Read quality stuff, derive some inspiration and phrase it in your own words. I love the natural way of doing things. Something that comes in with a lot of brain tweaking is hard to digest. So, just be natural to captivate your audience.

You really can’t afford to do it all on your own. You need to get inspired by talented writers. Check out the work of great writers. You will get motivated by their style and language. It need not be over the net. You can read books from the library as well. Reading is very important to increase the quality of your writing.

Create your own unique style and put your pen on a mission. But please don't overdo it.

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How to decorate your desk during Diwali?

Diwali is the festival of lights. These are really happy and vibrant days in our lives. You just need to make them as attractive as ever. Making your Diwali days very special and ecstatic can be done by creating an atmosphere that unleashes pious feelings. Your office is very important part of your lives. This is the place where you spend at least 30% of your time. How can you decorate your office desk? Here are some ideas that will help you.

You simply can’t miss out on Candles and lanterns in your Diwali decoration. Celebrating Diwali without these items would be not so witty. Depending on the size of your desk, get some glittering candles of different shapes. I generally prefer hand-made candles because they have various styles that ooze a lot of charm. Get a series of interconnected lamps. You can decorate the borders of your desk using these. You can also have some electric lamps that are readily. Choose nice lively colours that go with the colour of your desk.

You can either go for a single hand-made lantern or a sequence of small lanterns. The colour of the lantern will depend on your theme. Let’s say you have the ‘Go Green’ theme then you can get a string of small green lanterns. You can get some nicely embellished leaves that can be decorated on top of your desk. Diwali is the occasion when goddess Laxmi steps into your workplace and brings you immense wealth and pleasure. You can get a small idol of Goddess Laxmi and some stickers of her footsteps. Paste the stickers at some distance from the idol to get a divine feel.

You just can’t miss out on the colourful rangoli. If you don’t have the skills to create a rangoli on your own then get some stencils and use various colors to provide a great visual impact. Diwali without crackers is unimaginable. Nowadays you can get some fake crackers. These crackers operate on electricity. You can provide some rippling effects to whoever stops by your desk. I always like to decorate my desk using some paper art. You can create some good art work like the strangled boards with a lively message to captivate attention of others.

You can do a lot many things to your desk to make it look colourful during Diwali.


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