Archive for October, 2008
October 31st, 2008 -- Posted in Uncategorized |
The 4 steps and ways to partnership passive income part-time are based on a few different actions.
Step 1 - Understand Passive Income
Step 2 - Getting Started
Step 3- Planning
Step 4 - Developing Strategies
Tip - Create and sell creative services and products
The 4 steps and ways to create passive income part-time, involves understanding passive income, getting started, planning, and developing strategies. You can also benefit from designing and selling creative services and products. The more creative your products or services are, tax more likely you will continue selling your stuff down the road.
At first, you have to work hard to build a stable company. Once, you have built a stable company, and start generating income, you can hire a manager to work for your company while you are away; find trust worthy people and people with proven reliability records.
Let others do the work for you while you enjoy vacations, and other occasions while still making money. After you get started, you may want to add to your plans to shape them for a better future. Make sure that you develop good-working strategies, since this is part of the 5 steps and ways to create passive income on a part-time schedule. Strategies are important, since you can use these strategies to improve your business.
There is more than what we have listed in the article for the 5 steps and ways to create passive income on a part-time schedule, still this is an excellent start.
Now you know what to partnership only thing left to do is to take action!
Fabian Tan is a well-known Internet Marketing expert and the author of the popular 45-page Report:
“Murder Your Job: How To Build Cash Sucking Autopilot Businesses In 30 Days Or Less!”
Head over to http://www.MurderYourJob.com to get your FREE copy now before its gone!
October 31st, 2008 -- Posted in Uncategorized |
I’m a real languages fan and the latest language project I’m working on is to learn Chinese. So far I’m really enjoying the experience and last year I even went to China to test out my skills tax as it’s also important to learn the culture with the language! For those thinking about learning Chinese, here are a couple of important things I wish I knew when I started.
Learn business - But Which Dialect?
Whilst I specifically learn Mandarin, the standard dialect of Chinese that most people speak, different regions have different dialects. The differences between some are really not too big (e.g. Beijing Chinese and Singapore Chinese) but others are almost a completely different language altogether (e.g. Mandarin and Cantonese). Some dialects are only spoken, and use mainstream Chinese characters for writing with. It’s best to target your dialect to where you think you’ll visit. For Hong Kong and Macau you’ll probably want to learn Cantonese instead of Mandarin. Whilst most people in these regions learn basic Chinese Mandarin, you’ll find that you can communicate a whole lot more effectively in the real local language. If you just want to learn Chinese for the fun of it, learn Mandarin for sure.
Do I have to learn characters?
No! The beauty of learning Chinese nowadays is the presence of Hanyu Pinyin, or Pinyin for short. If you just want to learn spoken Chinese, there’s still some writing involved, but you won’t be writing characters. Hanyu Pinyin is the international standard for romanisation of Chinese characters. Pinyin was invented to help foreigners learn Chinese and occasionally school children learn it as well - however most Chinese will not understand you if you try to write Pinyin - they associate characters with the sounds that we would associate to the romanised Pinyin. For example:
The simplified Chinese character for I (as in me) is (if you can’t see this character you might need to install a language pack).
The Pinyin for the character is ‘Wo3′. Written (as opposed to typed) Pinyin is different - the written Wo3 has a small ‘u’ on top of the O, indicating how to say the word to distinguish it from other ‘Wo’s.
If you simply wrote ‘Wo’ most Chinese would not understand you. If you said ‘Wo’ they would.
There are two different character systems, aren’t there?
Yes, there is Simplified Chinese and Traditional Chinese. Simplified Chinese is much easier to learn than Traditional Chinese (less complicated characters, etc.). Traditional Chinese is now only used in Hong Kong, Macau and Taiwan. The Chinese government redeveloped the character system in the 20th century to partnership simplified Chinese, which is now the standard in most parts of China and in some international Chinese communities. Depending on where you plan on travelling, you should target the character system you learn if you decide to learn written Chinese.
How long will it take me to learn Chinese?
It all depends on many factors, like frequency of study, the effort put in and whether you hear people around you speak Chinese fluently regularly. However, at an hour a day, to learn intermediate Chinese should take about six months to a year.
Mark Robbins, Self-Confessed Language Addict of the Learn Chinese Blog
October 31st, 2008 -- Posted in Uncategorized |
For sometime now we have all been aware of the continuing downward spiral of the housing market. Some financial organizations are telling borrowers they must prioritize spending (budget) if they want to keep their homes. Some banks are willing make deals with homeowners facing foreclosure, but only on the condition that these homeowners agree to a no frills budget. The budget must show that they can pay for the following priorities: the mortgage, then food, then utility bills and one car if it is needed for work. Unfortunately, these homeowners have no choice if they want to stay in their homes.
Budgets seem so limiting and restrictive. What could possibly be fun about having a budget? What would you be giving up…eating out, your motorcycle, your daily latte, vacations, clothes, or just “things”? You may be thinking budgets are only for people who don’t earn much money.
Some say having a budget is too much like being on a diet- always craving and never being satisfied. It means saying “no” to things you want. Budgets make life boring - no more gadgets, luxury cars, spontaneous vacations. You are not a number cruncher. You feel you don’t have the discipline to stick to a budget.
On the other hand, what if you are not at risk of losing your home to foreclosure? What if you are expecting to inherit money someday? What if you have a reliable source of income? What if you just don’t have the time to budget?
Unfortunately, the mortgage crisis took a lot of people by surprise. Life is full of surprises that can catch you off guard: a weakened economy, a job lay off, divorce, investment loss, a frozen pension, social security bites the dust or your parents live to be 110. Living without a budget could be like living on top of an earthquake fault without insurance.
Budgets are not only about planning for a financial crisis. Budgets are about making you a prudent money manager. When you become deeply involved and informed about exactly how much money is coming in and precisely how much money is being spent, you will become adept at making strong money choices.
Budget does not have to be a four letter word. If it sounds better, call it a spending plan. A spending plan is less restrictive than budget. When you plan you are making choices. Plans are flexible and can be adjusted. Plans are about thinking ahead. When you anticipate future expenses whether fixed or discretionary, it may be easier to resist an impulse purchase for a more gratifying purchase you have planned in the future.
Evelyn used to spend money every month until it was gone. By the end of the month she was desperate for her next paycheck. She never had money to visit her family or take a vacation. It wasn’t until Evelyn became faithful to planning and tracking her spending she became aware of her spending patterns. When she started to think ahead she could make strong choices. She was thrilled when she could pay cash to go to a family reunion. She admitted keeping herself focused on attending the family reunion made it easier to walk away from spending money on “things”.
Do you think there may be sub-prime borrowers out there that wished they had a budget before they entered into financial commitments that backfired on them? Do you think these borrowers wished they had the foresight to consider all aspects of the transaction before signing on the dotted line?
It is ironical that hindsight may have some sub-prime borrowers wishing they had had a budget before making a poor choice on their mortgages. Now the banks are forcing sub-prime borrowers to budget in order to keep their homes.
What if budgets become in vogue? What would your life be like? How much money could you save? What would it be like not to stress or fight about money? What if you did not have to pay interest on consumer debt? What if you weren’t burdened by things? What if spending quality time with family and friends did not always mean spending money? How creative could you be and how much more satisfying would your life be?
By Barbara Hause
Barbara Hause works with couples, individuals and entrepreneurs who seriously want to improve their relationship with money. Barbara has an MBA and is a Certified Financial Recovery Counselor in San Ramon, California. She meets with clients in her office or by phone from anywhere in the USA. Barbara can be reached at 1-800-497-2319 or visit http://www.barbarahause.com
October 31st, 2008 -- Posted in Uncategorized |
Live bull fighting and Electronic Currency Trading share a lot in common. Some of the parallels are:
* They’re both pretty straightforward.
* Both involve a high degree of risk
* There’s only you and a very large antagonist (the bull or the markets).
* In fighting the bull, it’s just stand there, wait, get out of the way. Simple.
* Just like Electronic Currency Trading, it’s just buy low, sell high. Simple.
* Either endeavor demands great emotional intelligence.
* If you lose your cool and make bad decisions with either, you’ll suffer injury or possible death (of course in Electronic Currency Trading, it’s the proverbial “Financial Death”).
Trying to be a self-trained trader (without proper training) is like trying to become a self-trained bull fighter. You could read up on how to do it, figure things out for yourself, and maybe even create your own method. Keep in mind though, by yourself alone with the bull after you enter the arena, it’s a completely different situation. You are required to prepare for when the bull is going to charge, if he is going to come full speed or slow down, move left or right or maybe even stop, then you have to react with the right moves and the right timing. What happens if you get scared or lose your discipline, and then hesitate?
OUCH! You’ll get reminded by the bull!
You’ll be stomped and gouged any time you lose your cool and make a mistake.
Sooner or later, you get forced to figure out what you’re doing wrong and how to keep your cool. The bull certainly won’t tell you what to do to keep from repeating it. The gouging will just continue. You’ll have plenty of scars to show for it if you do survive long enough to actually make it as a bull fighter. Unfortunately, most of the mistakes you’d make as a bull fighter would come from the same source as the mistakes that a trader makes: lack of patience, discipline, confidence, timely action.
Until you learn how to keep your cool and do the right things when you know you’re supposed to, you’ll keep on taking a beating from the bull.
The same is true with the markets and Electronic Currency Trading.
If your emotions cause you to mess up your timing or your decision-making, OUCH! Here comes another gouging! You absolutely have to survive the learning curve in Electronic Currency Trading. Without emotional intelligence as a trader, you can have a true “Holy Grail” system and you’re most likely to hand your money to the markets rather than profit.
If you’ve been trading for a while or if you’re brand new to it, to avoid getting repeatedly gouged by the markets, focus on your emotional intelligence so that you can survive.
Are you a self-trained bull-fighter (trader)? When you’re in the arena with the bull, do your emotions flair up? Do you want to avoid getting gouged by the markets? Go to InsideOutTrading.com for training that will boost your emotional intelligence in Electronic Currency Trading
October 31st, 2008 -- Posted in Uncategorized |
Of course you can buy a currency trading robot from a vendor but the one enclosed wont cost you a cent and will beat 95% of those sold - lets take a look at it.
Before we take a look at our free one, it lets see why most paid for ones fail to deliver and why you’re better off not paying for one.
Generally, they have never been traded and come with a simulated track record, using past data. This is the disclaimer you will normally see:
“CFTC RULE 4.41 - Hypothetical or simulated performance results have certain limitations. Unlike an actual performance record, simulated results do not represent actual trading. Also, since the trades have not been executed, the results may have under-or-over compensated for the impact, if any, of certain market factors, such as lack of liquidity. Simulated trading programs in general are also subject to the fact that they are designed with the benefit of hindsight. No representation is being made that any account will or is likely to achieve profit or losses similar to those shown”.
What generally happens is a system doesn’t make money on first attempt, so the vendor adds more rules in and bends the system to fit the data. No two pieces of data replicate themselves exactly again and the system ends up wiping out the user.
This is known as curve fitting and most sold systems do it.
Now let’s look at our free one.
Its one rule that’s it so you can’t bend one rule by its very nature!
A Simple System for Profits
Now let’s look at the system. It’s called the 4 Week Rule and was devised in the late seventies by trading legend Richard Donchian.
Originally it was devised to work on commodities but works on any trending market and currencies trend well.
Here is the rule:
Cover short positions and enter longs when a price exceeds the highs of the previous 4 calendar weeks. Close long positions and go short when a price falls below the lows of the previous 4 calendar weeks.
That’s it!
Very simple - but it makes money and many of the world top traders have used this system and still use it today. Simple systems work best as they are more robust in the face of ever changing brutal market conditions.
The system works great in any trending market and will put you on the side of every major trend of course when the market is not trending it can suffer drawdown and here you may wish to alter the exit rule.
Rather than exiting on 4 weeks you can try 1 or 2 weeks then go long or short on the next 4 week trading signal.
This system is a long term trend following breakout based system and unless markets were to stop trending long term it will continue to work.
Its free so don’t discount it, trading legends such as Richard Dennis were fans of it and if its good enough for him then it really is good enough for you - it works.
It’s a simple highly effective logically based system that anyone can understand and use and you should consider it. Try this currency trading system in a demo account and follow it rigidly to prove the profitability to yourself and make it part of your forex trading strategy for success.
NEW! FREE FOREX BREAKOUT TRADING SYSTEM PDF
For free 2 x trading Pdf’s, with 50 of essential info and more on the 4 Week Rule and Currency Trading Robots visit our website at: http://www.learncurrencytradingonline.com
October 31st, 2008 -- Posted in Uncategorized |
Taking care of horses is normally quite difficult because of the many considerations you have to think about. From the animals’ shelter, to food, to other important tack supplies, the list seems to go on and on.
Although taking care of such animals might not seem that interesting for some people, ranchers feel there is something about owning horses that is very rewarding. That is why ranchers are willing to go out of their way just to provide everything that their horses need, in the way of horse tack supply products.
Horse clippers are primarily used for keeping different parts of a horse neatly trimmed or shaved, whether for vanity or showing purposes, or for health reasons. That is why it is important to think about the important aspects of choosing the right horse clippers before you finally decide to buy.
There are hundreds of types and brands of these clippers available today; however, there are four things to take into consideration, which include the motor, the size, the power and the speed. Clippers with decibel ratings are also efficient since most horses are easily startled by loud and strange noises.
Other important tack supplies are the tack trunks, which are made and designed to organize and store your horse accessories. Normally, these trunks vary in size and make. There are also some that come with grooming totes that are perfect, especially if you have a lot of things to carry when you are traveling with your horse.
It is common to see separate compartments inside a tack supply trunk and they are useful for storing your grooming supplies, horse equipment and accessories, such as combs, brushes, hoof picks, sweat scrapers, sponges, and the like. Leg wraps can also be placed inside the trunk. By nature, tack trunks are created to look good. However, it is important to look for trunks that have built in wheels. That way, when you are on the go, you can conveniently maneuver your trunk.
The lids of tack supply trunks also matter. These tack supplies should have well padded lids designed for sitting. There are also those that are made for standing on.
Normally, these types of lids have a treaded rubber cover and are suitable for horse owners who need an extra height to groom or braid a horse’s mane. Remember that in any case, finding the right trunk can get confusing because of the many brands and types available. Be sure to choose the one that suits you best.
A free gift awaits you at our portal site, where you can enrich your knowledge further about the tack supplies. Your comment is much appreciated at our horse tack and equipment blog.
October 31st, 2008 -- Posted in Uncategorized |
A tax flow statement is the motor oil for any business finance engine. It measures the amounts of money that come into a company and out of it over a given time period. This way a company is able to keep track of how much cash it has on hand to pay expenses and buy assets.
Some people might confuse a cash flow statement with an income statement. An income statement only measures whether tax not the company made a profit, whereas a cash flow statement can tell you whether or not the company generated c ash during the time period. These concepts may seem a bit confusing. Just because a company has generated cash does mean that it has generated profit and vice versa. Cash flow statements work particularly with cash where as income statement s may also deal with assets.
Cash flow statements use information from both income statements and balance sheets. Using this information, the cash flow statement will reveal the net increase or decrease in cash for the period. Most cash flow statements are divided into three separate activities: operating activities, investing activities, and financing activities.
Operating Activities
Operating activities shows cash flow from net income to net losses to cash used in and for operation procedures. Sometimes, non- cash items are adjusted for any cash that was used or provided by utilizing other operating assets and liabilities.
Investing Activities
Investing activities is usually the second part of a cash flow statement. This includes the purchases or sales of long-term assets, such as property, equipment, and even stocks. These actions are still represented as ” cash in” or ” cash out” depending on what is purchased.
Financing Activities
This is the third part of the cash flow statement. And, as the name might suggest, the financing activities section tracks financing activities. For large companies this includes money raised by issuing stock in the company, or borrowing many from banks. Paying back these loans are also considered under this section of the cash flow statement.
Financial health is probably the first step toward living a tax mistakes life. And part of becoming financially healthy is becoming financially literate. Many people claim that money isn’t important, but, though it cannot buy you love, happiness, or provide you with the most precious and valuable things in life, it can certain give you one less thing to worry about. For more information, visit http://www.businessdirectoryforyou.com
Joseph Devine
October 31st, 2008 -- Posted in Uncategorized |
Soooo, have you taken the big leap yet? If you have, congratulations. For those of you who are still sitting on the fence pondering the prospect of going into business for yourself I hope that my information will lessen your fear and give you just the nudge you need to move forward.
In our first article we discussed the importance of forming an entity for your new business, the different types of entities, and the importance of having both liability and Errors and Omissions Insurance.
In this article we are going to discuss the different ways that your entity can be taxed.
C-CORPORATIONS
We will start with a C-Corporation. A C-Corporation is the only entity that is separate from the owner. It files a separate federal income tax return. Is able to take advantage of every tax deduction available. For example; Salaries paid to employees, Bonuses, Education, 100% for
Health Benefits, Dental, and Disability, just to name a few. Establish 401Ks. The tax bracket for a C-Corporation starts at 15% for the first $50,000 in revenue and slowly increases to around 39%. You can finish your fiscal year at the end of any month. You are able to save taxes using “Income Splitting”. I’ll give you an example. You can take some of your personal taxable income just before the end of your calendar year December 31st and pay for marketing costs or other very large expenses. Then in the beginning of the new year your corporation can pay it back to you. A C-Corporation is able to deduct all kinds of expenses that are not available to either an S-Corp, or an LLC. A C-Corporation can have both foreign owners and investors. A C-Corporation can retain earnings up to $250,000.00 or more with good reason, say for inventory, payroll, or for marketing, thus saving you tax dollars because it is taxed at a lower rate than personal income tax. It can issue different classes of stock for the purpose of raising capital for expansion. As far as double taxation, if you are a small corporation there are different ways to deduct money from the business so that should not be a problem. C-Corporations have Officers, Directors, Vice-Presidents, Treasurers, Secretary. All states require that you have meetings.
S-CORPORATIONS
S-Corporations are flow through entities meaning that all the income derived from the business flows to your personal income tax. If this is your only business you would draw a salary and that salary is subject to 15.3% self-employment taxes. The rest is considered profit and not subject to self-employment taxes. If you have another job because this is a flow through entity it would probably put you into a higher income tax bracket. The shareholders are required to pay income tax on their share of the corporations’s income whether they take any money out of the corporation or leave it in.
You cannot have any more than 100 shareholders. A C-Corporation or LLC cannot be the owner of an S-Corporation, only individuals. There cannot be any foreign owners. The shareholders are required to pay income tax on their share of the corporation’s income whether they take any money out of the business or leave it in. The profits and losses are allocated only in proportion to each of the shareholders interest in the business. You do have the ability to switch to a C-Corporation if the S-Corporation is not working out for you. However, once you do that you cannot change back for 5 years, and your calendar year will always be December 31st. You do not have the advantage of all the same medical, insurance and other deductions that a C- Corporation offers.
LLCs
LLCs were introduced within the last 30 years. LLCs can be Individual, Partnerships, Trusts, Estates, Limited Partnerships, or other business entities. LLCs are flow through entities meaning that the income derived from the business flows through the company directly to your personal income tax. It does not file a separate federal income tax return like a C-Corporation. If it is a 1 member LLC it is taxed as a sole proprietorship, and considered a disregarded entity by the IRS.
It is less restrictive than a C-Corporation regarding the formalities, but you still should keep track of your meeting, minutes and resolutions. This will help in protecting your personal assets should someone try to say you intentionally committed fraud. You also need to have an Operating Agreement between the partners should there be any.
LLCs are good for real estate. Also if there is more than 1 member, they have what is called “Charging Order Protection”. The value to this is if you or your partner were getting sued personally, the charging order would only affect the individual being sued. Not the LLC, and not the other partner, so you do not have to suddenly worry about having someone else as your partner.
It can be taxed in several different manners 4 to be exact. Sole Proprietor, Partnership, C-Corp, S-Corp. The advantage to being a LLC and choosing say a C-Corp tax status is that you get the charging order protection and you are able to hold funds in the LLC.
Each LLC member must pay taxes on their entire distributive share each year, even if the LLC decides not distribute the money or any portion of it to its members.
With a LLC you can only deduct a portion of the medical insurance premiums Social Security and medicare are paid on all the profits up to 102,000.000 for 2008. Remember you are considered self-employed not an employee of the LLC and do not receive a salary that is subject to tax withholding. LLCs are managed by the members/owners.
PROFESSIONAL CORPORATIONS
A Professional corporation is a designation for anyone that primarily carries a professional license. They cannot have a typical corporation because of the liability associated with that profession. Example, Doctors, Physical Therapist, Dentist, Attorney’s, Engineers, etc. Professional Corporations are taxed at a flat 35%. Professional Corporations can retain up to $150,000.00.
My name is Susan, I am a Senior Business Analyst for Aston Jacobs, Inc. (702)982-7163 In my next article “BANKING ON MYSELF” A Guide for the entrepreneur in you, i will be discussing the importance of establishing commercial credit for your business.
October 31st, 2008 -- Posted in Uncategorized |
Successful people are always asked, “What’s the secret of your success?” People never ask the man who is a failure, “What’s the secret of your failure?”
People the world over want partnership know business to open the secret door of success. Success is built within each one of us, but it seems to be hidden behind a door or wall. Right now, we will talk about your wall — the wall that’s separating you from success.
Unlimited treasure is buried deep within each of us. Almost all of us have built a wall around our own city of treasure. This city you are not able to enter, contains great treasures-your divinely designed success, and your heart’s desire.
What kind of wall have you built around your city of treasure? Often, it is anger, fear or resentment. When you resent someone or a situation, it hinders you from attracting success. If you are not succeeding, and resent the success of others, you are blocking your own success.
So what opens the secret door to your success? Taking an interest in your work, and enjoying what you do opens the secret door to success. If you’re interested in what you’re doing, others will find you and what you’re doing interesting. So, the secret to success is this: to make what you’re doing interesting to other people.
If you’re living in the past, and complaining of your misfortune, this is the quickest way to build a thick wall around your city of treasure. Talking too much about your plans, your affairs, and your goals scatters your forces, and brings you tax against a high wall which blocks your success. Never discuss your business, plans, or goals with family members, friends or anyone else.
A friend of mine, who lives with his mother and sister, is a very intelligent and highly skilled man. Yet, he was a complete failure. Every night at the dinner table, he would tell them everything that happened during the day at the office. He would discuss with them and some of his friends, his hopes, his fears, and his failures.
I told him to stop discussing his business with family and friends because silence is golden. He cooperated. His family was disappointed because they loved to hear all about everything. But his silence proved golden.
Shortly thereafter, he unexpectedly received financial backing to start an electronics installation firm. Business quickly exploded, and he had to hire several men to handle the overflow of work. His business continues to grow by leaps and bounds.
You see success is not a secret. It is a system. Many people get caught up in the wall of discouragement. But courage and endurance are part of the system. We read this in the lives of all successful men and women.
The road to success is a straight and narrow path. It is a road of passionate focus and undivided attention. You attract the things you give a great deal of thought and attention to. So, if you give a great deal of thought and attention to lack and shortage, you attract lack and shortage. If you give a great deal of thought and attention to injustice, you attract more injustice.
Your thoughts, words, and focus have power - the power to dissolve obstacles and move barriers. Think, speak, and focus on success, and you will open the secret door to your success!
Personal and business success can be yours now. To find out how to put you and your business on the road to success, click: Success Is Yours Now!
October 31st, 2008 -- Posted in Uncategorized |
Higher education in India is gasping for breath at a time when India is aiming to be an important player in partnership emerging knowledge economy. With about 300 universities business deemed universities, over 15,000 colleges and hundreds of national and regional research institutes, Indian higher education and research sector is the third largest in the world, in terms of the number of students it caters to.
However, not a single Indian university finds even a mention in a recent international ranking of the top 200 universities of the world, except an IIT Kharagpur ranked at 41, whereas there were three universities each from China, Hong Kong and South Korea and one from Taiwan. On the other hand, it is also true that there is no company or institute in the world that has not benefited by graduates, post-graduates or Ph.D.s from India be it NASA, IBM, Microsoft, Intel, Bell, Sun, Harvard, MIT, Caltech, Cambridge or Oxford, and not all those students are products of our IITs, IIMs, IISc/TIFR or central universities, which cater to barely one per cent of the Indian student population.
This is not to suggest that we should pat our backs for the achievements of our students abroad, but to point out that Indian higher educational institutions have not been able to achieve the same status for themselves as their students seem to achieve elsewhere with their education from here. While many reasons can be cited for this situation, they all boil down to decades of feudally managed, colonially modelled institutions run with inadequate funding and excessive political interference.
Only about 10 per cent of the total student population enters higher education in India, as compared to over 15 per cent in China and 50 per cent in the major industrialized countries. Higher education is largely funded by the state and central governments so far, but the situation is changing fast. Barring a few newly established private universities, the government funds most of the universities, whereas at the college level, the balance is increasingly being reversed.
Name:Naraginti Amareswar reddy
Father Name: N.M.Reddy
Sex: Male
Date of Birth: 10th Fed 1981
Ed Qua: M.Sc., M.Ed., research scholar in the dept. of education, sri venkateswara university, tirupati, india
e-mail ID: amareswaran@yahoo.co.in
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