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8 Reasons Why India Is So Poor
The Super Poor India !
India has 363 million (or 29.5 percent) people under the poverty line based on a survey of 2011-12, as against 407 million (37 percent) in 2004-05. This is latest claim that comes from the Rangarajan Committee in June 2014, until then it was pegged at 269 million (22 percent) using another formula. That's enough for the comedy of poverty line in India! The more comprehensive Multidimensional Poverty Index 2013 report of UK based Oxford Poverty and Human Development Initiative (OPHI) and the United Nations Development Program (UNDP) says that 53.7 percent (or 650 million) people are poor. While there can never be agreement on poverty numbers, compare these numbers with the European Union and US populations of 500 million and 320 million, respectively.
India holds the distinction of having the most number of poor of the world – a super poor nation! Consequently, South Asia has become the world's biggest center of extreme poverty. On the World Bank's extreme poverty line of 1.25 dollars a day, there are roughly 500 million extreme poor in South Asia, followed by 400 million in sub Saharan Africa. The chart below clearly shows the global poverty trends since 1981.
Given the multitude of languages, customs, cultures and "castes" in India, the reasons for poverty are also numerous and intertwined. Here an attempt is made to highlight 8 important reasons for high poverty in India. However, one message is very clear: One has to look at poverty, beyond income.
Global Poverty Trend since 1981
1. Social Inequality Leading to Exclusion and Marginalization
Societies cannot progress if certain sections of people are left-out simply because they happen to be from the "wrong" class, caste, ethnic group, race or sex. If the virus of color and race based discrimination has damaged the social set up of many countries in the West, the bacteria of "caste" division has undermined the cohesive social fabric of India. Lower caste people have traditionally been excluded from the mainstream society governed by the so-called upper caste communities. They have historically lived isolated in the periphery of the villages and townships and subsisted doing only those tasks considered "unfit" for the other castes. Their un-touchability can be considered the worst form of rejection by the mainstream society.
While considerable change has taken place in people's attitude since 1947, but the "lower caste" communities are still not satisfactorily absorbed in the mainstream society. Rural India (where 70% of the population lives) is still quite "caste conscious" compared with the urban society where education and financial well-being has largely erased the caste divisions. Mahatma Gandhi tried to remove the social stigma of un-touchability by coining the label "Harijan" (god's people) for them but with only partial success. The official label for about 170 million unfortunate lower caste people is Scheduled Caste (SC).
Another segment of society that is still very much detached from the mainstream is the tribal community forming 8% of the population. These tribal people (called Scheduled Tribe (ST)) have historically lived in secluded areas such as forests. The Colonial British designated their habitations as "excluded areas" not as any special privilege but for convenience of the colonial policies. Unfortunately, the "free" governments after 1947 never bothered to assimilate them into rest of the mainstream society and the tribal communities continued to remain isolated and "barely governed." As a result, besides the poverty of the tribal communities, their backward due to lack of governance of their areas also gave rise to armed Maoist movement. It, ideologically, wants to establish communist state based on Mao's principles through gun battle. Popularly called Naxals, these Maoists now pose the biggest internal security threat for the country.
Beside the SCs and STs, there are several other communities designated "Other Backward Classes" or simply OBC – they may or may not be Hindus. Their socioeconomic plight is also similar to SCs and STs. The list of OBCs is dynamic and every now and then the government edits it (mostly for political reasons); there is significant confusion about their exact proportion. However, most experts agree OBCs to be in the range 25 – 35% of the population.
Why this issue of marginalization is important can be guessed from the statistics: Indian population consists of roughly 16% SC, 8% ST, and 35% OBC. Hence, combined together they form 60 – 65 percent India's population! So, the population of the so-called forward or upper class is less than one-third, but who by and large control everything.
The policy of reservation in government jobs for the backward communities has certainly helped them to rise up to some extent. But it is limited to the small fraction of the backward communities that somehow managed to do well and gain education.
What say you?
What is the most basic cause of poverty in the US?
2. Illiteracy
High level of illiteracy, particularly in the rural areas and among women, has been a crucial factor not only in perpetuating economic backwardness but also for high population growth. The persistence of high illiteracy has created a situation where poverty and population are feeding each other. It is well established that female literacy plays an important role in the well-being of the family in many ways. When women are educated, they not only contribute economically but also raise healthier kids and keep the family size small. Early marriage of girls and early child bearing is closely related with their low literacy; it feeds poverty.
In 2010 only 26.6% women above 25 years found to have received secondary education, as opposed to 50.4% men. In comparison, in China 54.8% women and 70.4% men had secondary education; in the US, this figure was 94.7% for women and 94.3% for men.
3. Population
While the growth rate of population has decreased significantly over the decades and the rate fertility decline has accelerated since 2011, India's population is currently growing annually at the rate of about 1.4 percent. The total fertility rate has sharply fallen to 2.3 and should approach the replacement rate of 2.1 by 2020 and country's population should stabilize by 2050 at around 1.5 billion and then fall. The current population increase is largely driven by population momentum (large base of people in the fertile age); not because people want large families. Around 18 million people are added to population each year. However, not that many people are lifted out of poverty every year.
Early marriage of girls and lack of awareness about reproductive healthcare, particularly in the rural areas, are major factors behind current population growth. Population is clearly a factor contributing to, and sustaining, high levels of poverty. But the Chinese population control through one-child model would be a bad example to follow for the democratic India. ()
4. Gender Inequality
Gender equality is both a core concern and an essential part of human development. Indian social fabric is highly patriarchal which has left women significantly exploited and discriminated. If caste based biases work only outside home in the open society, the discrimination against women operates both in and out of homes. Not only men always get preference in every walk of life, their attitude towards women is largely patronizing and imposing.
Their weak status, particularly in the rural areas, is at the root of most chronic problems. It is their lack of awareness or access to family planning tools and early marriage of girls and their early child bearing, which ultimately have led to high population; lack of awareness of health issues related to pregnancy and child upbringing has resulted in high mortality rate, under-nutrition and malnutrition among children; lower education and lack of freedom has resulted in low participation in societal processes. All these factors are enough to feed and sustain poverty.
On the World Economic Forum's 2014 gender gap index (GGI) India ranked 114 out of 142 nations. India scored below average on parameters like economic participation, educational attainment and health and survival. It slipped 13 spots from its last year's ranking of 101. It is part of the 20 worst-performing countries on the labour force participation, estimated earned income, literacy rate and sex ratio at birth indicators. The index benchmarks national gender gaps on economic, political, education and health criteria.
Indian Muslim community is perhaps most backward in terms of gender inequality. Its clergy habitually wants to live like the Arab tribes of the 7th century uncivilized Middle East, in the name of Sharia'h Law - confining women inside the veils and oppressed by polygamy and 'triple' Talaq.. But for their resistance, India would have by now a Uniform Civil Code for all Indians. Rise of radical Wahhabi Islam across the world in the past 2 decades will make the task of providing equal treatment to Muslim women much harder.
5. Unequal Distribution of Wealth
India happens to be a rich country inhabited by very poor people. – Dr Manmohan Singh
Unfortunately, since departure of the colonial British in 1947 all economic development has taken place in the cities, while the majority of the population lives in the countryside. Thus, the rural India has always remained neglected. Another peculiarity is the land holding pattern in India: most land has traditionally been under the control of a few landlords, leaving the vast majority landless. The "Zamindari system" of lopsided land ownership has ancient origin but given a boost during the British rule. Handful zamindars became legal owners of vast tracts of land and all others had to work for them to survive. This rent seeking exploitative system has since kept a vast majority of people in the rural India poor. Land reforms were debated noisily after independence but implementation lacked honest political will, despite the famous "Bhoodan Andolan" of Vinoba Bhave. Unfortunately, land reforms are no more an issue of public debates at present. All talks of poverty removal appear to center only around economic reforms, imitating the unsuitable Western capitalism.
What do you think?
Other than income, what is the most effective anti-poverty measure?
6. Faulty Economic Reforms
The so called economic liberalization and market reforms started in the 1990s are nothing but an attempt to replicate the Western capitalism that promotes "trickle down" economy. It serves to make the rich richer and expand the economy. India has become more unequal in recent years. In early 1990s, there were just 2 billionaires; now there are 97 billionaires, in a country of 1.25 billion people. The rich elites are also controlling more wealth, their share increased from 1.8 percent in 2003 to 26 percent in 2008. Today, they are still richer and much more powerful.
Experts suggest that if India could freeze its rising inequality, by 2019 around 90 million people could come out of extreme poverty. Reducing inequality by 10 points in Gini coefficient (equivalent of a 36 percent reduction) could further lift up another 83 million poor people.
The push to urbanization is meant to uproot the poor from their rural roots and turn them into "cheap labor resource" for businesses in the town. In the cities they would live in large slums, exploited both by the mafia and employers, devoid of human dignity and livelihood security.
Given the huge population and poverty, India needs an "employment centric" economy – millions of micro, small and medium business units. Only they can employ the unskilled or low skilled people from the vast pool of the poor.
Large high-tech industrial units don't generate too many jobs and whatever jobs they create is suitable for those who are already well off. According to the NSSO survey, the size of India's workforce is around 450 million. Of which only about 30 million work in the formal or organized sector. The government recognizes only about 70 million as unemployed or underemployed. Thus, there are 350 million unrecognized by the government as unemployed. Government surveys list them as "self employed" but they barely survive and live chronically in poverty. Who are these "self employed" people, more in numbers than the population of United States, and how do they survive?
They milk the cows, become seasonal farm workers, run small shops or sell on the roadsides, make incense sticks, match sticks and bidis, drive manual or auto rickshaws, work as domestic help, work as unaccounted contract workers on daily wages, work as gardeners and watchmen, or work as plumbers, carpenters or shoe repairers and so on. They have no safety net such as pension or healthcare benefits enjoyed by the regular employees and hence, are the most vulnerable. They are also the first victim of natural calamities, now becoming more frequent due to climatic disorder. [The poor are always the first victims of climatic disasters. Of course, nothing changes for better after their death-toll makes headline news.]
Jobless Economic Growth
The Indian economy created fewer than 3 million job between 2005 and 2010 !! Considering population growth of 18 million every year, around 10 million new jobs are needed per year!!! The current "follow West" economists of India haven't the slightest idea about what type of economic reforms India and its poor people really need. Their thinking stops at inviting "foreign direct investments" and vision fails to go beyond air conditioned corporate houses of the rich and wealthy.
India Needs "Social Capitalism"
India must reject the Western capitalism model; it needs a "Social Capitalism" that solves India's problems. It should follow twin goals: 'maximizing employment' – given its huge population and poverty – and 'maximizing social good'. This involves shifting away from the 'shareholder' to 'stakeholder' capitalism by incorporating interests of other stakeholders: employees, society, customers, and environment. Then finally encouraging what nobel winner Bangladeshi economist calls "social businesses" which operate to maximize chosen social goals while keeping the business profitable.
In fact, India needs development beyond GDP growth. Here is a 5 Point Real Development Plan for India.
7. Corruption
Corruption and leakages in government schemes are widespread in India. Late Prime Minister Rajeev Gandhi had famously admitted that only about 15% money actually reaches the ultimate beneficiaries. Even if we discard this figure as highly pessimistic and assume that say 30-35% of the welfare funds actually reach the designated beneficiaries, the rest is siphoned off by people connected to the implementing government machinery. This is a common way for the people with "high connections" to acquire wealth – of course at the cost of the poor who generally have no voice or ability to assert. Another common form of corruption in schemes designed for the poor is inclusion of non-poor people with political connections in the list of beneficiaries. The end result is that the eligible poor are denied the benefits.
The scale of corruption has steadily increased since the economic reforms were started. In 1992, when market reforms just started Harshad Mehta led stock market scam was estimated at 750 crores; it was mind boggling figure then. Now even the CAG estimate of 1,86,000 crore coal scam proves to be an understatement! Shall we see it as a sign of progress!
8. The Colonial Rule
"A significant fact which stands out is that those parts of India which have been longest under British rule are the poorest today." – Jawaharlal Nehru, First Prime Minister of India
The colonial British rule laid the foundation for a long term and chronic poverty in India after they departed. This is what Nehru is saying above using different set of words. The tiny state of Kerala in the southern India fortunately saw the least damaging influence of the British exploiters (there are many reasons for that) and is at present a unique model (in the world) of improvement in the quality of life through social and human development alone. It is something unthinkable for a Western brain which has been taught to see economic growth alone as "development."
It was the traditional historic prosperity of India that attracted invaders from various parts of the world in the last 2000 years. Prior to the British, India had been ruled by the foreigners like the Kushanas, Turko-Afghans and Mughals. All of them gradually got assimilated into the Indian society and culture. They not only became absorbed in India but also protected and promoted Indian society, culture and economy. None of them systematically drained India's wealth or resources to make another country prosperous. Revenue collected or wealth acquired by them was spent within India. Whether spent on the public or for personal luxury of the ruling elite, the wealth remained within the country. Thus, India remained prosperous even in the Mughal era until the East India Company started acquiring "diwani" (right to collect revenue) around 1760. It was the beginning of the legal "loot." The colonial rule was all about robbing India to enrich Britain; other unfortunate colonized States were also bled to make Britain prosperous.
The Battle of Plasssey in June 1757 marked the beginning of British dominance (and also the beginning of end of the Mughal Empire): when a small force of the East India Company's professional troops, defeated and killed the ruling Nawab of Bengal, Siraju-ud-daula. The outcome of the battle marked a significant turning point in the history of Indian subcontinent. It allowed the English East India Company foothold on the Indian soil, from which to undertake its future expansionist ventures within and around India. Soon, after the Battle of Buxar it acquired the "diwani" in Bengal and in 1765 its rights expanded to Bihar and Orissa.
Unlike their predecessors the British, however, consciously remained in India as foreign occupiers until their departure in 1947. They remained isolated from the Indian society and culture and formed a separate class of their own within India. The only reason for their presence in India (and in other occupied regions) was to secure raw materials for British industries and other goods for the comforts of their citizens. The vast population in India also provided market for goods manufactured back home. They subordinated Indian economy to the British trade and industry. Their economic policies actively favored non-Indians or made things difficult for Indian businessmen. As occupiers, they used Indian wealth to pay for all their expansionist ventures and territory building both inside and outside India.
Moreover, the British policies forcibly disbanded community grain banks and promoted replacement of food crops for local consumption to cash crops like cotton, opium, tea and grains for export to feed the animals in England. This change in the cropping pattern left Indian farmers vulnerable to famines. There are documentary evidence to suggest the colonial rulers chose to ignore the famine affected people. It is estimated that during the two centuries of colonial rule, famines and the resulting epidemics caused over 30 million deaths. The most recent Bengal Famine of 1943-44 led to about 1.5 million deaths from starvation; 3.5 million if deaths from epidemics are also included.
In his masterpiece "Poverty and un-British Rule in India" Dadabhai Naoroji (popularly labelled as "The Grand Old Man of India" and "The Father of Indian Nationalism") also categorically blamed "the drain of wealth" for the poverty in India.
As oppose to the Western capitalism India needs a comprehensive "development" plan in order to really crush widespread poverty. 1. It needs an economy that supports millions of small and medium enterprises; it will be suitable to employ low skilled poor people. 2. Focus on good governance to root out deep rooted corruption that eats away major chunk of the welfare budget. 3. Finally, promote women empowerment through education and healthcare; it will greatly help deal with poverty fed by the population growth.
Readers Voice
Very insightful, it encapsulates most of the causes. Thank you, it will really help me in my essay exam for civil services. Once again thank you.
very touching.corrupt ones should be punished
So basically, India is poor because they're not liberal enough, except for the corruption bullet point? Horse. Shit.
i know that india us developing step by step but all the hardwork of higher authorities has beenwasted by grabing them for their own use to improve india first we should eradicate the corruption i too have a opinion that it should be a socialist economy
India holds the distinction of having the most number of poor of the world super nation.In order to make "development" in India the first & foremost thing is that India needs Economy .Secondly,it should promote "Women Empowerment"..Still now millions of people are suffering from poverty..
I am from haridwar, india. This place is made for visitors but if u accidentally born in this place, ur are going to have a bad experience. Nobody want to improve themselves, only they can blame government and no problem in that, our state government have send more than 1000 crores rupees for development and still we don't have smooth road for even 100 meters. I love my country more than anything but at the same time I hate my country people who always praise western country and at the same time help our country to make it even worse.
Why not use China's one child policy? You've never explain why not. There comes a time, when population growth is going to do more harm than good, drastic actions must be done, such as restricting further births. These actions must be taken by Indian leaders. For Leaving birth control in the hands of indian populace is a receipe for disaster.
Actually the problem lies in the above comments itself. None Indians bother about others excluding a handful. it was a colony once bt now it is over. thinking and discussing about past will make no difference. If anyone wants the country to be jst the way you want then its not gonna work. keep it simple start from yourself. Indians are expert in pulling others legs neither we have guts to do the same. learn moral values, helping the ones who suffer. contributions in small scale whatsoever can make a difference. Throw away the thoughts about caste, rich, poor, men-women differences. i actually am working in UP right now and i feel ashamed of the things that How women are looked upon by Men. neither the people have a mannerism about how to speak nor they are civilized. Moral values doesnot even count. India has become a hub of major problems:
1. Population
2. Poverty
3. Racism
these factors have led india down and no other.
The main reason of India's backwardness poverty ,literacy ,cruption, bad politician,etc . Today india faces many problem . this problem can solve if all indian become literate and we should hate cruption , poor should given economically halp by the government so that they find good education .
in order to reduce poverty the main step we can do is to make government go to the 3 main states that has highest poverty and take out the various methods to reduce them, its not only government duty but our as well , in order to support we can conclude many workshop in order to teach how to be hygienic .................................... india is not only government's but of our as well...........
India will never ever become a successful and prosperous country due to a rampant corruption, vicious caste system, inadequate educational programmes and woeful state of India's health care. Game, set and match!
There was a time when we the West compared India to China, China is currently the second most powerful nation in the world and India is still not just lagging behind but it is going backwards, an economic calamity, the poorest nation in the world.
India is poor because people want it to be poor
India would have been richest country if britisher didn't came to our country
India would not be poor if people would send their children to school instead of making them work
The answer is very long but the reason that it is poor is people. Britisher made us fight against each other. Britishers stole our property. They everything we had. Before britshers came to India, it was the richest place in the world
Generic article. Looks like is written with an Indian mindset. Very mediocre, there's nothing that stands out.
Very great article.
India deserves much better than this, we have got the fastest growing economy in the world and large pool of highly talented people but we are let down by horrible politicians
Twenty years ago Rwanda was engulfed by brutal civil war which has claimed the lives of hundreds of thousands of innocent lives and today this country is the safest, prosperous and the cleanest nation in the world. The capital Kigali is far cleaner than New York, Amsterdam, Sydney and Paris. We have achieved this through hard work, discipline, stamping out corruption and excellent leadership and in 2025 this nation will become a middle class to upper class
I love Africa and Asia, guys can we please stop dwelling on what is wrong with our society and start finding the core problem and then remove it. India can take Rwanda as a case study; Rwandan leaders were inspired by Asian nation Singapore's rags to riches story.
Twenty years ago Rwanda was engulfed by vicious civil war which has claimed the lives of hundreds of thousands of innocent lives and today this country is the safest, prosperous and the cleanest nation in the world. The capital Kigali is far cleaner than New York, Amsterdam, Sydney and Paris. We have achieved this through hard work, discipline, stamping out corruption and excellent leadership and in 2025 this nation will become a middle class
I love Africa, Asia and Latin America. Guys can we please stop dwelling on what is wrong about our society and start finding the core problem and remove it. India can take Rwanda as a case study; Rwandan leaders were inspired by Asian nation Singapore's rags to riches story
One of the reasons why india is a poor country is that the people live here are too much arrogant & too much selfish. People are jealous of each other's betterment. Too much corruption broke its legs. This land has no problem but is blessed with numerous wealth. People are the main culprits.Remember if this continues this way, India will have a nightmare soon.
We are not rich due to the following reasons.
1) lack of Value Education
2) lack of Value Governance
3) lack of facility for all (inequality)
4) Lastly development is just a huge wave in an Ocean, so when all indians try to develop with hand to hand then everybody will develop.
india is really rich country in once upon a time ..but now my indians families are in poverty...main reason was corruption .....i wanna a good leader to rule and educate our county ......always proud to be a indian.. only day definitly it wil be change...that day india is the most powerful country in the world...
I liked the article in what it said and entirely agree with you.
Not the best writing I saw on this site, but still pleasent to read and very informative.
Hello all ,
Though its true , the colonial british rule , our corrupt netas , businessmen etc. All have contributed to India s woes . but isnt it true that as citizens of this great country we have also failed to do our basic duties .? How many of you follow lane discipline ? How many of you pay bribes to the RTO for quick licence ? how many of you throw plastic wastes into the garbage dump ? How many of you have not bribed anyone to get contracts or tenders .. How many of you have misused our reservation system to get admissions to colleges and varsities inspite of being economically well off . How many of you have bought fake degrees from dubious institutes or colleges ? Ask yourself these questions and then introspect .its good to think about the society or country but before that we must think about changing ourselves . changing our attitude . India will change if we all change personally.
While there is some truth in this article, it is very biased.
I think the most leading cause of poverty is corruption done by Politicians and some people who keep black money due to which prices are increasing and in result poor are getting more poor.....
There are so many rich people in india if eveyone of them donates even 1 Crore Or 1 Lakh india will be rich again.Also if we buy indian products and just for 90 days we leave foriegn products india's money in rupees wilk he changed in dollars and that's a fact and everybody who read the article and the comment neeed to understand this and work on this matter . India doesn't need sympathy but it needs EMPATHY.
I pray for god plz save my indian I realy hope one day they will change .....
I don't know how much this article was based on sound research but that quote is commonly misappropriated with Macaulay at least. https://en.wikiquote.org/wiki/Talk:Thomas_Babingto...
i think the most problem of indians people have there is no middle class until view off
A nice assimilation and systematic presentation of thoughts and ideas..It gives a deep insight & approach..
Dont forget the main reason ie RESERVATION
India is filled with poor people and they are very dirty.
this was NOT HELPFUL
deal with it
There's also the trap that Western countries have put them (and many other countries) in, supplying food and clothes and electronics to the world is remarkably devalued in comparison to the services allied to banking (e.g finance itself, accounting for finance, financial consulting). Western countries can supply and produce less but still earn more for not much.
They never stood a chance.
If I have Rs 100/and I buy vegetables worth Rs 100/=then it is OK and as such no loss in incurred. This is the model of economics of a country too. The Public money be spent without any wastages.Correct policies be framed-modernisation of both agriculture and industrialisation.Infrastructure be created and public utility services be provided.Both education and heath care be made available in the country.
Nice in depth article... I wish we could help in removing these problems on a small scale at least...
I saw the Slumdog Millionaire film last night, and was interested to know how this amazing country so rich in culture and phylosophy has so many many people leading so troubled lives in slums.
Your article enlighted me very much, thanks. From what I recollect, the good starting point could be land reform in countyside - the state could buy the land from the rich landowners and give it to suitable "poor" people (and teach them how to work on the land). More money for them, better life for their kids with more free time to go to school, less people going to cities to find jobs and ending up in slums.
What makes me smile are the comments "state shouldn't do anything, people would become lazy", so far from day -to-day reality... look at Scandinavia states.
How beautifully and systematically you have put forward the problem and a gradual process do deal with it... Very nice post Goodpal... keep it up...!!
What an interesting and thorough article. I find it interesting that poverty in America is linked to laziness by most people. Poverty in America cannot begin to compare to poverty in other countries.
Nice and Informative Article.
omg.....the British stole our money and they ruled over us that's what caused all this hassle.....and India will become a superpower soon i have faith in that!
The articles are beautiful. The goddess bless you
I love my country.poor people should get rights as soon possible.plz pray for the people who r so poor to get right...
some people tht when then become they will go to USA but i want to see the day when they say they will come to India when they grow up
I love my country.so I prayer to god for safe my country in poverty
Its always amazing to read you sir.
If you wont mind could you compile your articles in pdf form .I really like the way you narrate the whole story. Indeed its my hobby now to read your work whenevr I get time.
i like this article. This is truth that poor person don't get food , respect , home etc. In winter season some politician said that i will give blankets to poor people but some of them fulfil their promise........but some don't fulfil their promise.....
i like this article.. i would say its 100 percent true... the poor people need food, education, home, & respect..if the government would gave them, then they have no need anymore.. here are only rich people get again and again rich.. poor people are always poor..
One of the worst countries i'v ever visited.
Racism, untidy streets, corruption leading to one of the worst infrastructures, . . . this list isn't gonna end unless the people here changes themselves, especially the political leaders.
Btw I love this country
"At the beginning of the 18th century India's share of the world economy was 23%, as large as all of Europe put together. By the time we won independence, it had dropped to less than 4%. The reason was simple: India was governed for the benefit of Britain. Britain's rise for 200 years was financed by its depredations in India.
Great article....But unfortunately the common man is not aware of this....Essence of the article is follow kerala model instead of gujrat model....
I think politicians are to be blamed for this. Every politician in India is getting Local area development fund and it is not utilised properly. The recent adoption of a village by Sachin Tendulkar brings to highlight that such measures shall prove great in the long run. But who is sincere in politicians ?
I read it but I have seen the same effects on way less poor countries. I fear you have not got the point here and the solutions that you look for a mostly political. I think India has and it is been poor and there will take a long time to go up. Education it is important but not the key element (USA was brought up to where it is today by people mostly by entrepreneurs) no that this is the key but just to point it is not the problem education. From my point of view it is thing of social concern. I believe people in india are way to humble like in other parts of the globe where poor communities live (eg Philippines) and that humbleness comes from acceptance of the current situation. As long as that mind set does not change I do not foresee a way better india unless some sort of social revolution (not reform) finally arises from the poor classes.
Good work..according to me the main cause is we (public)we read many things and show our sympathy and forget an issue, i hope if every one join hands to see india as my family then we can change few issues i hope so,instead of saying my country is poor why cant we clear atleast our streets,india pls wake up remember the words of mother teresa she says "its not about how much we give,but how much love we put into giving,so its in our hand to make our india rich not by comments only by service,which i am trying my best i hope from u also,
Thank u,
This is the most enlightening and useful article I have ever read.. Accurately expressed... Empowerment is the key to all problems
Good article. very true. hope some change happens. main problem is corruption. here for everything we have to pay bribe. this shld change for india to prosper and get rid of poverty
hiiiiiii every one.....
i got a foolish question in my mind ..that is WHY INDIA IS POOR????
I found many things from internet ...But i got ZERO answer ...
It's so sad because they can't eat
People should change
I love India, but the reason why they are poor is because for thousands of years, India has been ruled and striped of its wealth. Take the british empire for an example, they stripped our wealth and made us 2nd class citizens. We need time for progress and 67 years is not enough
Don't always blame on corruption.
Inefficiency and unable to or unwilling to learn from other nations on how to overcome Inefficiency is also one of the main reasons.
India wastes more than 50% of food on inefficient logistics raising food prices high.
Inefficient agriculture gives only 30% out of the land by area.
Lack of R&D in spite of having thousands of Engineering collages makes us buy simple things like a Dustbin (Chennai Corporation bought a dustbin from Germany and placed it in front of my house). Than to Politicians and lobbyist from Germany. We paid 4 times more and also lost a chance to offer some employment.
Lack of credit.
India pays 10% on housing loans to world bank but Western nations pay 2 to 4 %. So they live out of our 6%
THE INDIANS goal must be go to other country, and wipe out the people there, and call other indians to live there,in this way people in indiawould become less. Less people in a big country would enjoy a RICH life
Like WHITE MEN did to aborginal black australians, to red indians in the north and south america and occupying their land, which resulted in less population in their own country or origin, and more in the occupied land
India may not be successful nation but it's the land of values it may not be successful now but definitely I'll make it to be successful...... If everyone takes initiative no one can show finger on us.........
Education sounds good on paper but can India afford to educate so many people ? Even if it does miraculously manage to do so then what about jobs ?
No matter whatsoever the government does it will not be able to create so many jobs, heck if all fortune 500 companies recruit ONLY from India then also people will be left unemployed.
poverty is an abused for man & frankly say it's reason is corruption.
Great hub Goodpal!
Can I link your hub?
It is tragic, the condition of India as a whole but free public services are not the answer. Welfare creates a lazy underclass that will never rise above. People want to work hard for themselves and see a return in the form of money and possessions. Education is the place to start but not a government education. A second place where India needs help is birth control. They cannot sustain the amount of people they have in that country. It's a big problem and one that I'm afraid will get a lot worse before it gets better.
True....A concrete policy holistically designed and implemented in spirit only will make Indians raise above poverty.
India touched my heart when I visited, so I sincerely hope to see progress there.
What are the real chances of any type of reform?


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The Barrie Colts need a long playoff run for captain Ryan O'Connor to avoid ending his junior career on suspension.
[Previously: Cameron Brace, Jared McCann, Ryan O'Connor,
Spencer Watson and the concussion conundrum]
It would be redundant to revisit a play that's already been discussed in detail in this space. Long story short, the Colts could be without their top defenceman and their leader as late as the third round of the playoffs after O'Connor received a 10-game suspension for a checking-to-the-head penalty last weekend.
That brings the Ontario Hockey League's player suspension total up to 337 games. O'Connor has already sat one contest.
The Colts are up 3-0 in their Eastern Conference first-round series and look poised to sweep the Kingston Frontenacs. Should they do so, Barrie would have to at least reach the conference final for O'Connor to get back into their lineup. The 21-year-old from Hamilton, Ont., led the Colts defence corps in scoring with 18 goals and 53 points.
O'Connor's situation of being an overage player who receives a long suspension during the playoffs is not exactly new. Last season, Ottawa 67's captain Marc Zanetti was suspended during the playoffs twice. The Kitchener Rangers' Tyler Randell also got a 10-game a head-shot suspension during the first round, then returned to score four goals in a Game 7 second-round win over the Plymouth Whalers.
Neate Sager is a writer for Yahoo! Canada Sports. Follow him on Twitter @neatebuzzthenet. Please address any questions, comments or concerns to email@example.com (video: Rogers Television).

subset: commoncrawl


text:
- Description
Milano Bar Stool 30" with Seat and Back Cover upholstery
Create a contemporary or classical look in your kitchen, dining or home pub area with the sleek shape and style of this medium dark walnut finish 30" Milano Bar Stool.
Solid wood legs give this courtly stool additional strength ensuring years of everyday use.
The padded cushion will provide optimum comfort for you and your guests and is topped with durable Dark Brown Vinyl that is stain resistant, fade resistant and features tightly woven threads that won't break, mat or peel.
The item is designed specifically for residential use only, and should not be used by any individual in excess of 250 pounds.
More from this collection: Milano
- Additional Information
Additional Information
SKU 13500026 MPN 0211VBRN121-01-KD GTIN N/A Brand Linon Collection Milano Assemble Length 19 Assemble Width 17.75 Assemble Height 44.13 Assembly Required Yes Material Upholstered Finish Walnut Styles N/A Shipping Time 1-2 Weeks Free Shipping Yes
- Reviews


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McCall's 5175; ©1959; Misses' Dress "Easy To Sew". Dress with fitted bodice and two-gore, full circle skirt. Cut-out neckline is faced and interfaced. Set-in sleeves in short or three-quarter length. Left side zipper placket.
Links to reviews/blog postsEdit
Add a photo to the gallery by clicking the "modify" button below.
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Available for your Consulting and Expert Witness Needs
Listed with other top experts in:
Expert is a recognized entomologist and taxonomist. He has been called upon to conduct consultations in both industry and courtroom settings, and has been an expert witness.
agricultural pest
fly (insect)
pest control
wood-destroying insect
agricultural pesticide
pest management
microbial insecticide
plant ecology
ecological modeling
conservation biology
endangered species
habitat evaluation
Lyme disease
parasitic tick
threat assessment
veterinary parasitology
veterinary tick-transmitted disease
ecological risk assessment
ecological environment
Expert is an expert in biosystematics (i.e., taxonomist) in the field of invertebrate zoology; including insects from within aquatic, wetland, and terrestrial systems.
Expert published his findings on ecological modeling techniques that describe the trophic relationships for the insects of wetlands. His work can be used in conjunction with habitat models, especially when these involve endangered species.
ecosystem modeling
terrestrial ecosystem
invertebrate zoology
population ecology
terrestrial ecology
trophic level
wetland ecology
freshwater ecosystem
biological family
biological genus
biological species
earth science
Expert uses state-of-the-art techniques for conducting forensics, including the use of photography and video.
forensic entomology
2002 to
Consultant & Author
Expert has significant court-room experience as an expert witness and has provided consultation and insect/pest identifications for various companies and universities. Expert has a keen interest for investigating the ecological relationships among organisms, using a combination of laboratory, field, and modeling techniques. During his career he has conducted research and published on: (1) the ecology and nutritional ecology of vespid wasps, (2) the ecology of Egyptian snakes, (3) wetland ecology, (4) public health and Geographic Information Systems (GIS), and most recently (5) the modeling of tick populations as a function of habitat structure. His recent research has led to the development of tick threat assessment maps for use on U. S. military and federal lands. These maps have many uses but primarily serve as a guide to help natural resource and military personnel avoid tick borne diseases. He is a professional photographer and has developed educational CD-ROMs. He has recently completed writing two high school science books, Biology and Earth Science.
1987 to
4th Medical Battalion 4th Medical Logistics Group
Commander / Medical Planner
In his present position, Expert is a Senior Medical Planner for the 4th Marine Division and 4th Medical Battalion. He is responsible for the acquisition of medical assets, clinics, equipment, and staffing. In addition, Expert writes the medical response plans and the emergency medical evacuation procedures. Finally, he researches, compiles and disseminates overseas country-specific medical intelligence. Since 1987, Expert has participated in a variety of projects during his annual two-week training with the U.S. Navy Reserves: 2008, Validation of Disease Vector Surveillance Program, Preventive Medicine Department, Camp LeJeune, NC; 2007, Development of a Disease Vector Surveillance Program, Preventive Medicine Department, Camp LeJeune, NC; 2006, Field Medical Services Officer School, Camp LeJeune, NC; 2005, Environmental Health Officer, Fleet Hospital Orientation Training Course, Camp Pendleton, CA; 2004, Field Hospital Perimeter Defense and Vehicle Defense countermeasures, Ft. McCoy, WI; 2003, Mobilized for Operation Noble Eagle, DVECC, Jacksonville, FL; 2001, Armed Forces Institute of Pathology, Walter Reed Medical Center, Washington, DC; 2000, Malaria Research Unit, U. S. Navy Medical Research Center, Bethesda, MD; 1999, U. S. Naval Research Laboratory, Washington, DC; 1997, U. S. Navy Preventive Medicine Unit No. 2, Norfolk, VA; 1996, Pan-American Health Organization (PAHO) dengue fever training and surveillance workshop in Jamaica, West Indies. In previous years, Expert has conducted various projects for U. S. Navy shipboard Integrated Pest Management (IPM) Programs. These pests have included cockroaches, rats, and stored-products pests. He also participated in several disease surveys including those for Hantavirus and Lyme disease.
2007 to 2007
Baker College
Expert was contracted as a temporary instructor and taught the following classes: Principles of Biology & Environmental Science (24 students in 2 sections for each class). Baker College is located in Flint, Michigan, and had a branch campus in Brook Park, Ohio.
Cuyahoga County Board of Health
Greater Cleveland Lead Advisory Council
Program Evaluator
Expert was a full-time contractor whose chief goal was to determine process and outcome measures for various grant partners associated with the Greater Cleveland Lead Advisory Council (GCLAC). His responsibilities consisted of designing data collections forms, compiling quarterly data, measuring progress, and providing a series of evaluation tools to identify which practices/procedures can be associated with low and/or decreasing lead blood levels in the children of Cleveland. For the 40 unique project objectives, Expert provided the Cuyahoga County Board of Health and the St. Luke's Foundation a final evaluation and report on December 11, 2007.
2004 to 2007
St. Peregrine Academy
Vice Principal / Teacher
Expert was responsible for teaching science, higher mathematics, and physical education. As Vice Principal, Expert oversaw the development of curricula, lesson plans, and was responsible for the day-to-day operations of the school, that included monitoring the teaching activities of 12 full time teachers.
1996 to 2001
Virginia Tech
Conservation Management Institute
Division Leader
Expert was responsible for designing and implementing ecology-based projects within the context of remote sensing and GIS. These studies included tick distribution and ecology, and the aquatic invertebrates of vernal pools. His responsibilities also included developing websites and other information programs for use on the World Wide Web. Expert has expertise with the following information system development software and/or programming languages and uses these on a routine basis: Geographic Information Systems (Arcview), Statistical Analysis System (SAS), HTML, Microsoft Office, and Adobe Photoshop.
2003 to 2003
U.S. Navy (mobilized for active duty)
Disease Vector Ecology & Control Center
Special Projects Department Head
Expert taught insect identification, developed a telephone survey for regionalized procedures for West Nile Virus, and revised policy and procedures for information systems security.
2002 to 2004
Case Western Reserve University
Center for Global Health and Diseases
Expert was part of a group that investigated the temporal and spatial dynamics of West Nile Virus (WNV) transmission in Northeast Ohio. Specifically, he was interested in delineating those factors that were responsible for (1) epizootics in bird populations and (2) epidemics among humans. Expert's responsibilities included developing and coordinating the geographic information systems (GIS) components of the project. These include the statistical analysis and mapping of landscape variables, habitat heterogeneity, mosquito populations, resistance genes, WNV genotypes, and bird densities. As a Commander in the U. S. Navy Reserve Medical Service Corps, Expert was mobilized with Operation Noble Eagle for several months in 2003 at the Navy Disease Vector Ecology and Control Center, Jacksonville, FL, and oversaw the implementation of WNV control programs for naval stations in the eastern U.S.
Expert is a member of Sigma Xi, the American Mosquito Control Association, Society for Vector Ecology, Entomological Society of America, and The Ohio Lepidopterists.
He is licensed or certified with the Department of Defense in: DoD Aerial Application Pest Control; DoD Federal Hazard Communication Training; DoD Pesticide Applicator Certification (Core); DoD Category 8 Public Health Control.
Expert is a member of the honorary society Sigma Xi, and has twice received the U.S. Navy and Marine Corps Achievement Medal.
Expert has written 15 refereed publications, two science textbooks, one book chapter, 20 extension publications, and two miscellaneous publications. He is currently having patents developed for his predictive models for disease vectors on federal lands using Geographic Information Systems (GIS).
Since 1987, he has participated in a variety of projects during his annual two-week training with the U.S. Navy Reserves. During the past few years, he had the following two-week assignments:
2011, Senior Medical Planner for the training exercise Javelin Thrust, Bridgeport, CA (5000 personnel)
2010, Senior Medical Planner for the training exercise Shared Accord, Maputo, Mozambique (850 personnel)
2009, Senior Medical Planner for the training exercise Javelin Thrust, Bridgeport, CA (3,500 personnel) 2008, Validation of Disease Vector Surveillance Program, Preventive Medicine Department, Camp LeJeune, NC
2007, Development of a Disease Vector Surveillance Program, Preventive Medicine Department, Camp LeJeune, NC
2006, Field Medical Services Officer School, Camp LeJeune, NC
2005, Environmental Health Officer, Fleet Hospital Orientation Training Course
Camp Pendleton, CA
2004, Badger Medic/Northern Lights, Ft. McCoy, WI
2003, Mobilized for Operation Noble Eagle, DVECC, Jacksonville, FL
2001, Armed Forces Institute of Pathology, Walter Reed Medical Center, Washington, DC;
2000, Malaria Research Unit, U. S. Navy Medical Research Center, Bethesda, MD;
1999, U. S. Naval Research Laboratory, Washington, DC;
1997, U. S. Navy Preventive Medicine Unit No. 2, Norfolk, VA;
1996, Pan-American Health Organization (PAHO) dengue fever training and surveillance
workshop in Jamaica, West Indies.
He has 28 years of experience in teaching junior officers and sailors the principles of leadership. He has also taught various courses over the years including stored product pests, medical veterinary pests, urban pests, and pest control technology.
Expert is an accomplished professional photographer. He has had many of his photos published in journals, books, magazines, and television documentaries. During his time as a graduate student at The Ohio State University (1984-87), he worked as a Research Associate at the University's Plant Pest Diagnostic Center. He also worked with horticulturists, plant pathologists, and other extension personnel in identifying insect-related problems. His additional responsibilities included determining insects to the species level and advising control measures. On average, Expert processed five to seven samples per day, which is considerable over a two-year period. Accordingly, he is very familiar with most agricultural, forest, medical-veterinary, and urban pests.
Need the right expert? We can help!
Intota is now ORC Expert Advisory Services


text:
Yamaha Reface CS
Yamaha Reface DX
AKAI Timbre Wolf
- Description
- Additional Information
AKAI Timbre Wolf Product Description
With a retro sound and analog circuitry the Akai Timbre Wolf provides a flexible synth that produces a number of classic sounds, and is set to prove a popular addition to many a studio. With four separate voices the synth can be configured to be a polyphonic synth, a four voice unison synth, or just as four individual mono synths. With plenty of hands on control you can adjust each voice on the fly independent of each other.
The Akai Timbre Wolf analog synth houses a custom 25-note keybed, which is responsive and tactile to play. Programming synth lines can be achieved via the on-board 32-step sequencer, which is available to use for each separate voice, and can also be used to control external hardware. Connection to further analogue equipment comes from the Gate triggers to the back of the unit, meaning the Timbre Wolf can be the hub of you analogue synth set up.
- True analog 4-voice polyphonic synthesizer
- Configurable as 4 mono synths, a 4-voice unison or a 4-voice polysynth
- Independently customize the sound of each voice as you play
- Gate trigger In/Out, for triggering your sequences via modular synths, vintage sequencers or external sound sources
- 32-step sequencer for each voice
- Professional-quality 25-key custom Akai Pro keyboard
AKAI Timbre Wolf Additional Information
|AKAI Professional


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Duration: 120min 52sec Views: 10 225 Submitted: 1 year ago Submitted by:
Description: A cute actress with perky tits. Ayame Sakura plays a nurse in various scenes in this video and wearing very colorful silk nurse cosplay uniforms. There is numerous one-on-one scenes as well as a 3P scene at the end where she grabs two cocks in her hands.
Categories: Cunnilingus Dildos/Toys Hairy Handjobs Masturbation/Onanii Stockings/Pansuto Japanese Threesomes Close-up Straight JAV Censored
Tags: Perky Nurse Costume Couple Bush Pussy Eating Pussy Licking Handjob Muff Diving female masturbation Oriental Masturbating Toys Dildo Close Up Asian Japanese Oral exotic Ethnic Stockings Threesome Tugjob
Models: Ayame Sakura
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My first boy asked me thing the other than day around all the info in relation to the high separation rate. I told him at hand aren't too galore divorces, there's too many a marriages. Most family get mated short really wise to who they are marrying or basically how big of a committedness they are fashioning. Heck, supreme ethnic group get wedded in the past they even cognize themselves enormously fit. When the sincerity of it all hits them, they are any trapped in a bad marital for life, or they get a divorcement. Education is the medicine.
Know yourself all right beforehand committing yourself to a enthusiasm of conjugal to another organism. Are you truly ready? Are you finished playing the field? Do you yet have extreme oats to sow? Is your occupation or highly developed instruction going to get in the way of your power to really tallness a existence with cause else? What are your thinking in the region of marriage? Are you a soaring reparation or low conservation personality? Are you geared up for kids? Do you even deprivation kids? How specifically do you scheme on increasing them? Are you going to be a suffocating genitor or one who pushes the toddler into independence? Tough care or doting? What kindhearted of pecuniary fashion do you want? Can you come through it up to that time you have kids or should you hang about and have kids following once you've set holding up just so? How such intimacy do you want, need, prefer? How good-natured are you to different people's needs? Are you a social unit musician or a bit same indulged?
There are no authority or inaccurate answers, you fitting necessitate to have your persuasion citywide approachable for the welfare of your early mate. You demand to be competent to describe them expressionless up what it is you're content. What precisely does 'let's get married' manifestation like-minded to you?
Know your spouse earlier proposing or acceptive their proposal. Are they really ready? Do you belongings them not to cheat? What are their work aspirations? What are their sacred idea and how heavy are they to them? What theology does your married person want to raise your brood in? Are they flooding fixture or low? Do you have what it takes to please them? Are they the sort that will easily please you lacking having to impel yourselves to take fastidiousness of all other? Do they deprivation kids? If so, when? What liberal of monetary lifestyle do they poorness to wage hike a unit in? Are they the variety to privation to freshly nightspot in and property that everything will coil out fine or do they have a program that they're going to poorness you to concur to and pursue next to them? What is their parenting kind and beliefs? How a great deal friendliness does your domestic partner like? How recovered do they via media beside others? Again, in attendance are no precisely or false answers, but you entail to cognise these holding astir the other causal agency in the past agreeing to unite them.
I detected a lovely New Age account of matrimony recently. They same wedding is the act of agreeing to subsist out somebody else's karma near them. So ask yourself, what's my partner's destiny exterior like? What goes in a circle comes about. What are they putting out into the world? And what munificent of vim are you swing out into the world? Would it be impartial to ask person to team up you in your karma? Be honest.
Young inhabitants truly stipulation to be informed as to what marital is. So tons girls adopt the premiere advance that comes along presumptuous it's the prizewinning they'll of all time get. I come up with the obsession that we'll be alone makes us apprehensive to say no to causal agent who isn't necessarily the straight spouse equivalent for us. I fishy the boys proposing are doing the said point. Our anxiety of man unsocial and our low self-esteems manufacture us desperate to small indefinite quantity up without truly checking out who we're active to be with and what it is we have to submission them. Add to that the dizzyingly splendid last that oldest comes on with falling in esteem and it's about more than than clan can handgrip. It's solely inherent that we would poorness to pass the time on that great indefinitely. When we're young, we have a sneaking suspicion that that the in flood will past forever if we get ringed. We're committing to the emotions, not to the rimy tough facts of who we are, who they are, and what matrimony equally would really end up superficial similar to. It's outstandingly tricky to do, and more than easier same than done, but infantile kids entail to appropriate a tread spinal column and in earnest appearance at these questions until that time vibrating redirect next to matrimony commitments.
The adults I cognize who have absent through recap marriages and divorces are all lifeless fashioning that aforesaid error. They're marrying the rush of emotions since doing their school assignment and determination out who they're in fact in fondness next to. We are in emotion with self in respect. Beautiful stuff, but ofttimes a definite guidelines for divorcement once veracity hits. If we can swot how to give somebody a lift a maneuver final and transport our heads in where on earth our long whist have taken over, I deliberate we could amass ourselves a lot of brokenheartedness low the row. Yeah, we probably wouldn't get married as primaeval in life, because it will run a while to find the suitable one. But that's not needfully a bad entity. The elderly and wiser we are, the improved the probability that we're going to be able to unequivocally and truly existing ourselves to probable family.
As a society, if we would only wait for the rightly one to go along, we'd see a immense bubble in the divorcement charge per unit. There will ever be unusual unforeseen holding that happen, but general wedlock would certainly have a combat-ready luck at man a mirthfully of all time after entity again. Choose sagely and be full of it sacral once you do insight that marked soul. Know a short time ago how exceptional and marked they are. And impart gratitude on a daily basis former you brainwave them.
Copyright 2004, Skye Thomas, Tomorrow's Edge


text:
On Monday 28 April, 2014 a new board was elected whereby they will commence their responsibilities on 1 July 2014 for an initial term of two years in accordance with the chapter bylaws.
Congratulations to all members who were elected, and we wish the board every success in leading our chapter to further success and new heights.
Below is the composition of the new board.
Announcements >


text:
Ardagh Sets $1.57 Billion Toggle Note Sale and Dividend PaymentBy
Refinancing plan will offer new debt in euros and dollars
Deal may be largest for PIK toggles since HD Supply in 2009
Ardagh Group SA plans to sell $1.565 billion of payment-in-kind toggle notes in one of the largest-ever offerings for this type of bond, in part to pay a dividend to shareholders.
Ardagh will offer seven-year senior notes in euros and dollars, according to a statement Tuesday from the Luxembourg-based packaging company. PIK toggle notes are high-yield bonds that let an issuer choose between making interest payments in cash or by issuing more bonds, usually at a higher rate.
The deal may price as soon as Wednesday, according to a person familiar with the matter, who asked not to be named because the deal is private. Proceeds will be used to repay 1.1 billion euros ($1.24 billion) of PIK notes due in 2019 and return 270 million euros to shareholders, according to the statement.
The offering may be the largest sale of PIK toggle notes since HD Supply Inc. sold $1.58 billion of the securities in 2009, according to data compiled by Bloomberg. Companies have sold $5.2 billion of the bonds this year, up from $3 billion that were sold in all of 2015.
Ardagh has been tapping debt markets to fund expansions. The maker of glass and metal containers sold $4.5 billion of dollar and euro notes in April to acquire assets from Ball Corp and Rexam Plc.


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A Unique Teaching Tool for SCM Students
Faster Than Real Time: The Future of Simulation
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Planning for Uncertainty in Supply Network Design
The State of the Healthcare Supply Chain 2012
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Red Star Traders Takes Control of Import Supply Chain
Criteria for Make vs. Buy Decisions
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Less Is More: Office Depot Cuts Supply Chain Waste
Combatting Volatility and Forecast Errors
Innovative Packaging for Shipping Refrigerated Pharmaceuticals
Pfizer's Path to Value Chain Visibility and Control
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Pain Points in Manufacturing and Supply Chain
Planning for High-Mix, High-Volatility Products
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Executing a Smarter Retail Supply Chain
Smaller But More Frequent Retail Orders
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How Johnson & Johnson Introduced Lean Across the Supply Chain
The Importance of UDI to the Healthcare Supply Chain
A New Breed of Health Care Supply Chain Partner
Healthcare Reform's Impact on the Healthcare Supply Chain
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Importance of Temperature Monitoring in the Pharma Supply Chain
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Outcomes-Focused Life Sciences Supply Chain
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The State of the Healthcare Supply Chain 2013
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The Versatility of Voice Across Multiple Industries
Should Your Transportation Strategy Include a Regional Parcel Carrier?
Trends Impacting Retail Logistics in 2013
Site Selection for Retail Distribution Facilities
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Managing Seasonality in the Food Supply Chain
Tackling the Challenges of E-commerce Fulfillment
Challenges of the Produce Industry Supply Chain
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There's Been a Shift in Sourcing & Manufacturing Strategies
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How many times must this lesson be learned? Apparently there's no limit when it comes to naïve and overconfident investors, which is to say that the need for tutoring is vast and unending. Sad and frustrating, but still true.
Two examples from today's papers remind once more that diversification is too often ignored, assuming it's recognized at all. Chalk it up to greed and fear, and perhaps ignorance of sound investment strategy. Good financial planning advice is widely available, but that doesn't stop self-destructive behavior in finance, even in the center of the financial universe.
In today's New York Times, for instance, a story about the fallout from the collapsing Lehman Brothers — a 157-year-old Wall Street investment bank — quotes a "rank and file employee" of the stressed company as it relates to the person's investments. This former Lehman worker, who left the firm earlier this year, "lamented that he had put enough faith in the firm to retain shares — a decision he is paying for. 'My children's education fund is wiped out,' said this person."
One might imagine that working on Wall Street would provide some exposure to the lessons of sound portfolio strategy that have been honed over the last 50 years, but one can never assume when it comes to money.
Another sad item comes today via The Wall Street Journal, which relates the tale of a man who apparently invested all or at least most of his sons' college money in Freddie Mac (FRE)shares last week. The government has since taken over the battered mortgage institution and the shares have dropped sharply, leaving the investor's college fund virtually wiped out.
The lesson, of course, is that diversification is your only friend. That truism is only rarely on display, such as the two instances above demonstrate. But please don't confuse frequency of value with general necessity. Most of the time diversification, along with fire insurance and a sturdy roof, are taken for granted. That leads some to fall into the trap of thinking, especially after a long stretch of good fortune, that neither are relevant after all.
Similarly dim views are known to harass diversification, which usually pales in comparison to betting the ranch on a more narrowly focused investment notion. A few lucky or skillful investors can turn those odds in their favor and break the rules and cash in on easy profits. For the rest of us, a prudent approach to portfolio strategy is still the only game in town, even though it appears otherwise 98% of the time. Risk management, to be precise, is too important to ignore, as we've discussed many times over the years, including here and here.
Even so, the value of risk management is rarely obvious, save for extraordinary moments in the cycle -- like now. The prudence of risk management is unrelated to how often it's useful. It's primarily a strategy minimizing the odds of insolvency. Sometimes winning on that front just once makes all the difference. Indeed, for most of us, we won't have a second chance to accumulate a lifetime of savings. 'Nuff said.


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After the all-night battle over the GOP's attempt to repeal parts of ObamaCare, that ended in failure early Friday morning, MSNBC couldn't stop gushing over the "maverick" Republican whose casting vote against the bill was the lynchpin that sealed the deal. Senator John McCain was one of the three Republicans who voted against their own party's bill, and the liberal news network couldn't stop praising him for defecting from the Republicans plan to repeal ObamaCare.
The set of Morning Joe became chaotic Tuesday morning as the President's tweets finally drove co-host Joe Scarborough off the deep end. The incident occurred after the President seemingly tweeted out a response to the panel criticizing acting FBI Director Andrew McCabe. What followed was a confused and disturbed rant by Scarborough which seemed to trouble even those around him. At its end, Scarborough frantically begged the President to cease watching the show yelling out, "I am 100 percent serious! He needs to stop watching this show!"
The cast of Morning Joe set their freakout level to def-con red in the wake of Donald Trump's not-so-secretive dinner meeting with Vladimir Putin. "I'm not trying to make this look sinister," a panicked Mika Brzezinski exclaimed frantically, "I'm not sure who is. We're just wondering what happened there." An indignant Joe Scarborough deceivingly declared, "I don't know what to say," before going on to, disappointingly, say quite a bit on the matter. However, Mark Halperin arrived to steal the show in the end by stating, "If President Obama had done this exact thing and had not disclosed, there would be tons of questions about it."
It's certainly no surprise that MSNBC's Morning Joe co-host Joe Scarborough and Sean Hannity, host of his eponymous weeknight show on the Fox News Channel, have been feuding over President Donald Trump and the Republican Party in general.
Glenn Thrush, a reporter for the New York Times, stated during an appearance on MSNBC's Morning Joe program on Thursday, July 13, that people in the media "can't do that" when it comes to boycotting White House press briefings because "we are all members of the White House Correspondents' Association." "Right," co-host Joe Scarborough stated. "You've got to be there in case news does break."
Republican Senator Pat Toomey of Pennsylvania found himself under fire as he defended the Republican Medicaid proposal on Monday's Morning Joe. Despite his repeated attempts to explain how the bill only curbed the rate of growth in Medicaid and did not cut actual spending, he was incessantly attacked by co-host Joe Scarborough. "Why is it we're going after the poor," Scarborough exclaimed incredulously.
A new trip oversees by President Trump brought renewed criticism from the media as he levied criticism at his predecessor, specifically the Obama administration's poor handling of Russian hacking during the 2016 election. The subsequent reaction by the cast of Morning Joe on Thursday was laughable as they decried the commander-in-chief attacking "a former president on foreign soil." Apparently, everyone there had seemingly forgotten about Barack Obama's infamous 'apology tour' at the start of his presidency.
The media found themselves stumbling over old, discredited talking points Thursday as they attempted to keep the Trump-Russia narrative afloat on Morning Joe. At a press conference in Poland, President Trump referenced how the story of seventeen intel agencies supporting the claims of Russian hacking had been debunked. As a result, faux Republican, Joe Scarborough, was forced to do damage control with veteran Washington Post columnist David Ignatius. When asked to comment on the President's statements, Ignatius casually dismissed them and declared the criticism to be nothing more than, "a silly technical point."
The panelists of Morning Joe continued to push the narrative that the fictional Medicaid "cuts" in the GOP health care bill would devastate the poor on Wednesday. With a brand new chart in tow, former Obama economic advisor, Steve Rattner, explained at length how the nonexistent "cuts" would ruin people at all walks of life, ranging from nursing home residents to the disabled. Co-host Joe Scarborough then dismissed those pointing out that Medicaid was not actually being cut as merely peddling "a talking point."
Monday's Morning Joe was, sadly, absent of Joe and Mika along with their normal crazy antics, but media hysteria ensued on the set, regardless. The hyperventilation that occurred in the room over the President's WrestleMania tweet was so great that an oxygen tank probably should've been brought in at some point. With a dead serious tone, Willie Geist began by asking the panelists, "Did you perceive that tweet as a threat of violence against the press?" What followed afterwards was a panic-stricken discussion with references ranging from Greg Gianforte to Trump's "minions" to America "leaving the reservation" as far as the world was concerned.
The liberal media remained in damage control mode Thursday as they sought to contain the ever-widening blast radius emerging from CNN. Bret Stephens from the New York Times arrived on the set of Morning Joe to decry the White House's attack on the media. Stephens defended CNN by claiming that the growing scandal merely represented a "mistake." Co-host Joe Scarborough went even further in his criticism of the President by labeling his criticism of the media as "Stalinist."
"You can't fudge the numbers of the Medicaid cuts," Joe Scarborough warned in an ominous tone on Wednesday's Morning Joe. Decrying the "lying" Republicans, he then hypocritically exclaimed, "You slash $750 billion...after you've already slashed another $300 or $400 billion in an underlying budget, over $1 trillion in Medicaid cuts, that destroys health care in Trump America." Following suit in an unsurprisingly toadyish manner, Mike Barnicle, then proceeded to laughably state that,"math is the reality here."


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Zambri - Search
Are you looking for an Italian surname? Do you need more information about your family heritage?
This is the right place to start your genealogy search.
This is the right place to start your genealogy search.
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Zambri - Search
My grandfather Michael Zambri settled in Herkimer, New York and in the 1930's moved to Gloversville, New York. My grandmother was Mary Antoinette (Spine). I know he had a brother Charles (Carmelo) that settled in Brooklyn, New York. I am trying to trace back and believe that they may have come over from Monteleone?
Re: Zambri - Search
This your response in the other post
http://www.italiangenealogy.com/forum/i ... logy/22465
http://www.italiangenealogy.com/forum/i ... logy/22465
Researching Trabia, Palermo surnames Adelfio, Bondi, Butera, Scardino,Rinella, Scardamaglia
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OnomasticoYesterday : s. Cristina di Bolsena Today : s. Giacomo il Maggiore Tomorrow : s. Anna, s. Gioacchino


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The Crystal Cave was a natural cave at the top of one mountain peak constantly shrouded by clouds on the far western edge of the Tamori lands. The cave entrance led into a tunnel, down into the middle of the mountain, where a huge chamber was almost completely lined with clear crystals. [1]
Discovery Edit
The chamber was discovered in 1160 by Tamori Shugenja answering reports of Phoenix spies in the mountains. The room was seen as a grand and respected shrine to the Earth kami in the Dragon mountains. [1]
Ritual Focal Point Edit
The focusing properties of the area had been used in rituals performed by the Tamori Spirit Binders. Each rite performed there was amplified by the crystals, and the cave had become the focal point for the Tamori's more important rituals. [1]
|This Dragon Clan related article is a stub. That means that it has been started, but is incomplete. You can help by adding to the information here.


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With their second successive win against England, India is now 2-0 up in the seven-match series even though woes continue with their top order.
Chasing a victory target of 227, Team India was in morass at 92 for five but Raina, adjudged Man of the Match later, and Dhoni stitched together a 118-run sixth wicket partnership to script another so-near-yet-so-far story for Flintoff and his men.
Raina, however, was lucky to get a life after an airborne James Anderson caught him off his own bowling but the ball popped out of his hands when he landed with a jerk.
The Uttar Pradesh southpaw came off age today and showed immense maturity. His career best knock of unbeaten 81 came off 88 balls and was peppered with eight fours and a six besides a lot of improvisation and pragmatic batting.
Earlier it was an abject show by the Indian top order. As they began the chase today, Gautam Gambhir (29 off 45 balls, 4x4) started with a flourish and two exquisite drives. The first one off James Anderson through the covers and the ball traversed the same region in the next over from Kabir Ali.
Virender Sehwag (26) was battling a back spasm and a woeful form and seemed wriggling out of it as he drove Anderson for two trademark boundaries through covers and then his attempted pull off Kabir Ali cleared fine leg boundary. But the best of the lot was the backfoot cover drive of Andrew Flintoff that pierced point and gully.
Just when he looked to get in the groove, he tried a sweep shot and the Ian Blackell delivery knocked off his bails. Sehwag's 45-ball 26 included four hits to the fence and India lost first wicket at 61.
What followed was a mad rush and even an otherwise cool Rahul Dravid was no exception. Gambhir, better of the two openers, drove with lan and was strong off his pads as well. His full swing of the blade was contrast to Sehwag's cagey approach with the willow.
But the southpaw looked bereaved by the exit of his Delhi team mate and crammed for room, he played a shot cross between flick and pull and the top-edge landed in Anderson's palm as the southpaw joined Sehwag in the pavilion with the score reading 70.
Dravid (5) looked a desperate soul, stepping out for no particular reason and he returned following a horrible mix-up with Yuvraj Singh for a run that was never there.
Mohammad Kaif (0) began his eight-ball stay with a Chinese cut, almost drawing it into his stumps, and ended it with an attempted pull to miss the line as the Plunkett delivery rapped his pad and trapped him plumb.
Yuvraj (18) looked in good nick with two pulls off Anderson racing to boundary in the same over and then successive boundaries off Kabir Ali. But it was too good to last and Yuvraj went for a cut and missed a Blackwell delivery to see his bails kock off. India suddenly found themselves in a rut at 92 for five.
From there onwards, it was Raina and Dhoni all the way. Dhoni today showed the other facet of his batting and played second fiddle to Raina when he was required to do so. The stumper's 55-ball knock of 38 came to an end when he was played on while going for a wild drive off Flintoff.
Irfan Pathan (12 not out) then joined Raina to complete formality in 49 overs as India reached 230.
Earlier, riding on half centuries by Andrew Strauss (61) and Kevin Pietersen (71), England reached 174 for five but soon lost the plot and were bundled out for 226 in 49.5 overs.
Opting to bat first, England got off to a sedate start with openers Andrew Strauss (61) and Matt Prior (33) adopting a cautious approach and shunning extravaganza. On a slow turner, Dravid employed as many as seven bowlers, including Gambhir who made his ODI debut as bowler. Harbhajan drew first blood in the 16th over when Prior misread a delivery that caught him plumb in front and England were 66 for one.
Owais Shah (0) returned soon to a dubious decision for it seemed to only kiss his pad before nestling into Dhonis gloves but umpire A V Jayaprakash decided the batsman had to go.
Ramesh Powar, who had earlier grassed an opportunity, atoned when he bowled an advancing Strauss through his gates after a 72-ball knock of 61 that included six hits to the fence.
At the other end, Pietersen continued to live dangerously.
Despite coach Duncan Fletchers repeated warnings, he started off with a sweep off Harbhajan, then uppishly drove Powar that almost carried to Raina and Kaif almost took a blinder on another occasion.
Much was expected from Flintoff (5) on his 100th ODI but he stepped out to hit Powar and Dhoni stumped him with a world of time in his disposal. Paul Collingwood (5) too proved a poor judge and quest for a non-existent run brought his doom as Dhoni was bang on with his throw. England lost top half of their batting order at 174.
Just when Pietersen seemed all set cut loose, the South African-born batsman chipped one from Yuvraj to Dravid to perish after a 87-ball 71, which was studded with four boundaries and two sixes.
Pietersen's perish always invites a landslide and today was no different a story. Blackwell (9) was castled by an S Sreesanth slower while Liam Plunkett (4) was bowled out by Irfan Pathan. Geraint Jones (22), on the other hand, perished in the deep trying to accelerate and Gambhir took a smart catch off Sreesanth and the pacer bowled James Anderson (2) to drop curtain on the visitors innings.
Powar returned a career-best figure of 10-3-31-3, while Sreesanth also scalped three for 40 in 6.5 overs.