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Friday 27 May 2016

Constipation

Constipation is common. If you are constipated it causes one or more of the following:
  • Stools (faeces) become hard and difficult or painful to pass.
  • The time between toilet trips increases compared with your usual pattern. (Note: there is a large range of normal bowel habit. Some people normally go to the toilet to pass stools 2-3 times per day. For others, 2-3 times per week is normal. It is a change from your usual pattern that may mean that you are constipated.)
  • Sometimes, crampy pains occur in the lower part of your tummy (abdomen) You may also feel bloated and feel sick if you have severe constipation.
Known causes include the following:
  • Not eating enough fibre (roughage) is a common cause. The average person in the UK eats about 12 g of fibre each day. But, 18 g per day is recommended by the British Nutrition Foundation. Fibre is the part of plant food that is not digested. It remains in your gut. It adds bulk to the stools (faeces) and helps your bowels to work well. Foods high in fibre include fruit, vegetables, cereals and wholemeal bread.
  • Not drinking much may make constipation worse. Stools are usually soft and easily passed if you eat enough fibre and drink enough fluid. However, some people need more fibre and/or fluid than others in order to avoid constipation.
  • Some special slimming diets are low in fibre and may cause constipation.

Pension Rule

TERMS USED IN THE PENSION RULES EXPLANATION:

9.1 The various terms used in the pension rules are explained below:
(i) Age. When a Government Servant is required to retirement, or cease to be on leave, on attaining a specified age, the day on which he attains that age is reckoned as a non-working day, and the Government servant must retire, revert, or cease to be on leave (as
the case may be) with effect from and including that day (Art. 14 CSRs).
(ii) Family. The 'family' for the purpose of entitlement of gratuity/ pension benefits under the Pensioncum Gratuity Scheme includes the following relatives of the Government Servant:
(a) wife or wives, in the case of a male Government servant (unless there is a judicial separation wife continues to be a member of the Government servant's family irrespective of the fact whether she has been living with him or not);
(b) husband, in the case of female Government servant (a female Government servant can exclude her husband from being a member of her family);
(c) children of the Government servant;
(d) widow or widows and children of a deceased son of the Government servant Pension-cum-Gratuity Scheme 1954)
(iii) Foreign Service. Means, service in which a Government servant receives his substantive pay with the sanction of Government from any source other than the revenue of the Government of Pakistan or of a Province or the Railway Fund (Art. 27 C.S.Rs).
(iv) General Revenue. For the purposes of pension include Provincial Revenues. (Art. 28 C.S.Rs)
(v) Local Fund. The expression 'Local Fund' denotes:
(a) revenue administered by bodies which by law come under the control of the Government whether in regard to the proceedings generally or to specific matters such as the sanctioning of their budgets, sanction to the creation or filling up of particular appointments, the enactment of leave, pension or similar rules;
(b) the revenues of any body which may be specially notified by the Government as such. (Art. 33 C.S.Rs)
(vi) No Demand Certificate.Means a certificate by the Department concerned that all the dues against the retiring Government servant up to the date of retirement have been realized and nothing is now outstanding against him. Such a certificate is also required to be obtained from the Estate Office concerned.
(vii) Pension. a periodical payment made by Government in consideration of past services rendered by a Government servant.Except when the term "Pension" is used in contradistinction to Gratuity "Pension" includes Gratuity. (Art. 41 C.S.Rs)
(viii) Rule of Proportions.Pension is chargeable according to the "Rule of Proportions" when the charge is debitable to several accounts in the proportions in which, the aggregate pay drawn by the Government servant during the whole of his qualifying service has been paid from them. (Art. 45 C.S.Rs)

CLASSIFICATION OF PENSION:

9.2 Compensation Pension.(a) If a Government servant is selected for discharge owing to the abolition of a permanent post, he shall, unless he is appointed to another post, the conditions of which are deemed by authority competent to discharge him to be at least equal to those of his own, have the option:
(i) of taking any compensation pension or gratuity to which he may be entitled for the service he has already rendered, or
(ii) of accepting another appointment or transfer to another establishment even on a lower pay, if offered, and continuing to count his previous service for pension.
Note. Government servant cannot refuse offer of alternate employment.
(b) A Government servant not employed in a substantive permanent capacity is granted Compensation Gratuity/Pension if he is discharged aftercompleting qualifying service of 10/25 years or more owing to the abolition of his post or is replaced by a "qualified" candidate.
[Finance Division O.M No OB-2/12/63-Imp (I) dated 18-8-1966].
9.3 Invalid Pension. (a) An invalid pension is awarded, on his retirement from the public service, to a Government servant who by bodily or mental infirmity is permanently incapacitated for the public service, or for the particular branch of it to which he belongs. The infirmity has, however, to be certified by a duly constituted Medical Board.
(b) If a temporary Government servant is retired for inefficiency due to mental or physical infirmity he shall be allowed pensionary benefits as if he was required to retire in terms of Rule 10-A, of the Fundamental Rules.
(c) In case an officer dies before his retirement, his pension is calculated, as if he was retired on Invalid Pension on the date following the date of his death. (Pension-cum Gratuity Scheme, 1954)
9.4 Superannuation Pension. A superannuation pension is granted to a Government servant who is entitled or compelled, by rule, to retire at a particular age. (Art. 458 C.S.Rs)
In terms of Civil Servants (Amendment) Act, 1976 a civil servant is required to retire on completion of 60 years of age.
9.5 Retiring Pension.(i) A retiring pension is granted to a Government servant who is permitted to retire after completing qualifying service of 25 years.Such a pension is also granted to Government servant who is required by Government to retire after completing twenty five years qualifying service or more.
(ii) Subject to provisions of Essential Services (Maintenance) Act, 1952, a Government servant other than a Government servant against whom a departmental proceeding is pending has the right to retire from service after completion of 25 years qualifying service. Such a Government servant shall, at least three months before the date on which he intends to retire, be required to submit a written intimation to the authority competent to fill the appointment by him at the time of submitting that intimation indicating the date on which he intends to retire. Such intimation, once submitted shall be final and shall not be allowed to be modified or withdrawn. However, before formal acceptance of the request he may, if so, desired, withdraw his application for premature retirement.
(iii) Government has the right to retire any Government servant after he has completed 25 years qualifying service.
[Finance Division O. M. No. OB-2/l2/63-Imp (l) dated 18-8-I966].
(iv) The term retirement used in Section 19(1) of the Civil Servants Act, 1973 includes "Compulsory Retirement" under the Government servants (Efficiency & Discipline) Rules, 1973.
(v) In case of voluntary retirement of Government servants the Heads of Departments are responsible for ensuring verification of qualifying service by the Audit within one month from the date of receipt of application for voluntary retirement after 25 years qualifying service. If the qualifying service comes out to be less than 25 years, the Government servant will have to continue in service till he completes that length of service. The fact of the shortfall in the qualifying service should be pointed out by the Head of the Department to the Government servant concerned before the expiry of the three months notice period.

[Finance Division O.M No F 8(5)-Reg.(6)/73 dated 4-1-1975 read with Auditor General letter No. 32-A/69-66, dated 6-2-1975.]

Thursday 12 May 2016

FAT

 
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About FAT: 
FAT Architecture is an award winning practice with an international reputation for delivering outstanding projects at a range of scales and for many different uses.

Our clients include the BBC, Selfridges and Living Architecture and we are always committed to developing our clients briefs into extraordinary projects.

We are currently exhibiting at the 13th Architecture Biennale and are shortlisted for Housing Architect of the Year.

'True originals who are creating some of the most striking and different contemporary architecture' Financial Times

'Utterly unique…There is no-one else in the world making buildings that look like FAT’s' Icon 

BUTTER

Butter is made from churning cream and is a kitchen essential. Without it, cakes, biscuits and pastries wouldn't have the same melting richness and tender texture. It's also used in many classic sauces, such as beurre blanc, beurre noisette, beurre meunier and hollandaise. Added at the end of cooking, it gives richness and gloss to sauces. With a fat content of 80 per cent, butter isn't exactly diet food, but a little goes a long way.

IT

IT (information technology) is the broad subject concerned with all aspects of managing and processing information, especially within a large organization or company. IT is generally not used in reference to personal or home computing and networking.

Bank Defination


bank is a financial institution that accepts deposits from the public and creates credit.[1] Lending activities can be performed either directly or indirectly through capital markets. Due to their importance in the financial system and influence on national economies, banks are highly regulated in most countries. Most nations have institutionalized a system known as fractional reserve banking under which banks hold liquid assets equal to only a portion of their current liabilities. In addition to other regulations intended to ensure liquidity, banks are generally subject tominimum capital requirements based on an international set of capital standards, known as the Basel Accords.
Banking in its modern sense evolved in the 14th century in the rich cities of Renaissance Italy but in many ways was a continuation of ideas and concepts of credit and lending that had their roots in the ancient world. In the history of banking, a number of banking dynasties — notably, theMedicis, the Fuggers, the Welsers, the Berenbergs and the Rothschilds — have played a central role over many centuries. The oldest existingretail bank is Banca Monte dei Paschi di Siena, while the oldest existing merchant bank is Berenberg Bank.

Friday 6 May 2016

GENERAL KNOWLEDGE

IMPORTANT MCQs FOR CURRENT AFFAIRS

1. The name of Pakistan’s ambassador to the US is Sherry Rehman
2. Pakistan is a non permanent member of UN Security Council
3. The US Envoy to Pakistan and Afghanistan is Marc Grossman
4. OIC has been recently renamed as Organisation of Islamic Cooperation. Previously it was Organisation of Islamic Conference.
5. The US ambassador to Pakistan is Cameron Munter
6. The current Chairman senate is Farooq H. Naek
7. Pakistan leased out Shamsi airbase to UAE
8. Abbotabad Operation was carried out on May 2 2011
9. Abbotabad Commission is headed by Justice Javed Iqbal
10. The President enjoys immunity from criminal proceedings Under Article 248 of the Constitution
11. Leon Panetta is the US Defence Secretary
12. A K Anthony is the current defence Minister of India
13. S M Karishna is the minister of external affairs of India
14. P Chidambram is the Home affairs Minister of India
15. Pranab Mukharjee is the Finance Minister of India
16. Hina Rabbani is Minister for foreign affairs
17. Abdul Hafeez Sheikh is the Finance Minister of Pakistan
18. Khursheed Shah is minister for the religious affairs
19. Makhdoom Amin Fahim is the minister for trade
20. Maula Bux Chandio is the law Minister
21. Hillary Rodham Clinton is the current Secretary of the US
22. Joe Biden is the US vice President
23. Ekmelu din Ihsanoglu is the Secretary General of OIC
24. Reko Diq contains copper and gold and is situated in District Chagai ( Balochistan)
25. 2012 Olympics are going to be held in London
26. Headquarters of Asian Development are situated (ADB) at Manilla ( Phillipines)
27. Headquarters of OIC are situated at Jedda
28. Headquarters of SCO are situated at Shanghai
29. Headquarters of ECO are situated at Tehran
30. The current secretary General of UN is Ban Ki Moon ( South Korea)
31. Steve Jobs is the founder of apple I phone
32. Pratibha Patil is the President of India
33. Yingluck Shinawatra is the Prime Minister of Thailand
34. Muhammad Hamid Ansari is the Vice President of India
35. Yaseen Anwar is the current Governor of State Bank of Pakistan
36. Transparency International is headquartered at Berlin (Germany)
37. Lufthansa is the Airline of Germany
38. Nabil-el Araby is the current secretary General of the Arab League. ( He is from Egypt)
39. National Flower of Pakistan is Jasmine
40. National Sport of Pakistan is Hockey.
41. Leader of the Opposition in the Senate is Abdul Ghafoor Haideri.
42. Markhor is the national animal of Pakistan.
43. Arfa Karim, the youngest software engineer, belongs to Pakistan.
44. RAW stands for research and analysis wing (intelligence agency of India).
45. Mossad is the intelligence agency of Israel.
46. Ellen Johnson Sirleaf is the head of state of Liberia. She is one of the three Noble Peace Prize winners for the year 2011.
47. Chinese Premier is Wen Jiabao
48. Hu Jintao is the President of China
49. Abdullah Hussain Haroon is Pakistan’s permanent representative in the UN.
50. World Trade Organisation (WTO) came into being in 1995
51. David Cameroon is the Prime Minister of UK.
52. Angelina Merkel is the German Chancellor.
53. Christine Lagarde is the new head of IMF.
54. Robert B. Zoellick is the head of World Bank.
55. Headquarters of ECO are situated at Tehran.
56. RCD was established in 1964.
57. Ali Akbar Salehi is the Foreign Minister of Iran.
58. Zalmai Rassoul is the foreign minister of Afghanistan.
59. Last Presidential elections in Afghanistan were held in 2009.
60. After Pashton , Tajik are the second largest ethnic group in Afghanistan. Hazara are the third largest group in Afghanistan.
61. Headquarters of South Waziristan are at Wana during summer and Tank during Winter.
62. Headquarters of North Waziristan are at Miramshah
63. Headquarters of Khyber Agency are at Landi Kotal
64. South Waziristan is the largest agency in size in FATA.
65. FATA comprises of seven agencies.
66. APP is the news agency of Pakistan whereas AP ( Associated Press) is the news agency of the US
67. AFP is the news agency of France.
68. Interfax is the news agency of Russia. It is the news agency of Ukraine also.
69. Reuters is the news agency of UK.
70. PTI is the news agency of India.
71. Xinhua is the news agency of China
72. Yonhap is the news agency of south Korea
73. SPA is the news agency of Saudi Arabia.
74. MFN stands for most favoured nation.
75. SCO was established in 2001.
76. G8, association of the richest and most developed countries of the world comprises of US, UK, France, Germany, Canada, Italy, Russia, Japan. It has no formal structure.
77. Scandinavian states are Denmark, Sweden, Finland and Norway.
78. TAPI stands for Turkmenistan, Afghanistan, Pakistan and India.
79. Bonn Conference was held in November 2011 to discuss post with drawl scenario in Afghanistan.
80. Pakistan boycotted Bonn Conference because of NATO attack on Salala check post.
81. Next Conference will be held in Chicago in May 2012.
82. Mansoor Ijaz is an American national ( not Pakistani) who has ignited memogate controversy.
83. Hussain Haqqani, Pakistan’s former ambassador to the US, had to resign as a result of memogate scandal.
84. Rao Qamar Suleman is the current Air Chief Marshal of Pakistan
85. Asif Sandila is the current Naval Chief of Pakistan
86. Chairman NAB is Admiral Fasih Bukhari.
87. PNS Mehran was attacked on 22 May 2011.
88. South Sudan Became a Nation on July 9, 2011. South Sudan's capital is Juba. Salva Kiir, South Sudan's president, signs the interim Constitution
89. Kvitova and Djokovic won Wimbledon Titles in 2011.
90. Yoshiko Noda is the Prime Minister of Japan.
91. Saudi Arabia has recently granted right to vote to women.
92. Palestine became member of UNESCO on 31 October 2011.
93. Mario Monti is the Prime minister of Italy. He has replaced Berlusconi.n
94. Tahrir square is in Egypt.
95. First ever elections were held in Tunis on 24 Oct 2011.
96. On Oct 11, 2011, U.S. Attorney general Eric H. Holder announcedm from Washington that the Quds Force of the Islamic Revolutionary Guards Corps paid assassins from a Mexican drug cartel $1.5 million to kill Adel al-Jubeir, Saudi Arabia's ambassador to the United States.
97. South Sudan is the 193rd member of the UN.
98. George J Mitchell is President Obama’s special envoy to the Middle East.

United Nations

1. The United Nations was established on 24 Oct 1945.
2. Official languages of UN are English, Russian, French,Chinese, Arabic,Spanish
3. There are currently 193 member states.
4. The first meetings of the General Assembly, with 51 nations represented, and the Security Council, took place in Westminster Central Hall in London in January 1946.
5. Headquarters of UN are situated at international territory New York
6. Headquarters of World Bank and IMF are situated at Washington
7. Headquarters of FAO are situated at Rome
8. Headquarters of UNESCO are situated at Paris
9. Headquarters of UNICEF are situated at New York
10. Headquarters of International Court of Justice are situated at The Hague (The Netherlands)
11. Security Council consists of 15 members ( Five Permanent and Ten Non Permanent)
12. The Secretary-General is appointed by the General Assembly, after being recommended by the Security Council.
13. Veto Power is enjoyed by the Permanent members only
14. Headquarters of IAEA are at Vienna
15. Headquarters of ILO are at Geneva
16. Headquarters of Universal Postal Union are at Bern (Switzerland)
17. Headquarters of World Health Organisation are at Geneva
18. Headquarters of UNHCR are at Geneva
19. Ban Ki Moon is the Secretary General of UN . He is from South Korea.
20. International Court of Justice comprises of 15 judges.
21. Session of UN is held in September every year

Provinces/Territories
Punjab
Governor: Latif Khosa
Chief Ministers: Mian Shahbaz Shareef

Sindh
Governor: Dr. Ishrat-ul-Ibad Khan
Chief Ministers: Qaim Ali Shah
PA Speaker : Nisar Ahmed Khuhro

Khyber-Pakhtunkhwa
Governor: Syed Masood Kausar
Chief Ministers: Ameer Haider Khan Hoti

Balochistan
Governor: Zulfikar Ali Magsi
Chief Ministers: Aslam Raisani

Gilgit-Baltistan
Governor: Pir Karam Ali Shah
Chief Ministers: Syed Mehdi Shah

Kashmir
Governor: Raja Zulqarnain Khan
Chief Ministers: Sardar Attique 

Important Personalities
Bangladesh 
President: Zillur Rahman
Prime Minister: Sheikh Hasina

Afghanistan
President: Hamid Karzai
Vice President : Mohammed Fahim and Karim Khalili

Russia
President: Dmitry Medvedev
Prime Minister: Vladimir Putin

Iran 
Leader of Iran: Ali Khamenei
President: Mahmoud Ahmadinejad
First Vice President: Mohammad-Reza Rahimi: