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Important Phone Numbers of Multan

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D.I.G.	9200427	Controller Secondary Board	9210014
D.C.O.	9200042-3	A.D.E. Phones	9200000
District Nazim	9200037-8	PIA Airport	9200400
City Nazim	9200352	M.S. Nishtar	9200252
Nishtar Hospital	9200231	Passport Office	9210178
Civil Hospital	9200943	E.D.O. Education	9210035
F.I.A.	9210185	S.P. City	9200475
Police Control	9200445	Sports Officer	9200053
Police Line	9200429	Accounts Office	9200076
Fire Brigade	9200706	M.D.A.	9200827
Civil Defense	580888	Telephone Inquiry	18
Arts Council	9200400	Radio Pakistan	9200441-2
Airport Inquiry	114	PIA Booking	9200401
B.Z. University	9210071	Emergency Police	15
Sui Gas Inquiry	119	P.T.V.	963848

Railways	9200272	Circuit House	9200097
Press Club	546292	Railway Inquiry	117
Wapda Inquiry	118	Eidhi Centre	115
Nadra	9220133	Fire Brigade	16
G.P.O.	9200560	High Court Bar	9200034
Sui Gas (Distribution)	9220081	Sui Gas (Transmission)	9220105

Multan Police Stations
Alpa	9200446
Basti Malook	4577240
Bohar Gate	9200443
Budla Sant	4593404
Cantt:	9200447
Chehlyak	9200491
City Jalalpur	4210520
City Shujabad	4396847
Daulat Gate	9200453
Dehli Gate	9200558
Gulgasht	9210198
Haram Gate	9200857
Jalil Abad	9200456
Kup	9200798
Lohari Gate	9200457
Makhdoom Rasheed	4592079
Mumtazabad	4232386
Muzzaffar Abad	4590160
New Multan	9220100
Old Kot Wali	9200908
Pak Gate	9200449
Qadidrpur Raan	4578025
Qutab Pur	9200450
Saddar	9200448
Saddar Jalalpur	4210020
Saddar Shujabad	4396848
Setal Mari	9220130

History of Multan

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Multan is a city in south central Punjab province. It is built just east of the Chenab River. About 966 km from Karachi and more or less right in the center of the country lie the ancient city of Multan. Multan, the 'City of Pirs and Shrines' is a prosperous city of bazaars, mosques, shrines and superbly designed tombs.

A circular road around the rampart gave access to the city through thirteen gates. Some of the imposing structures of these gates are still preserved. In the bazaars of the Old City one still comes across tiny shops where craftsmen can be seen busy turning out master-pieces in copper, brass, silver as well as textiles in the traditional fashion.

The old city has narrow colorful bazaars full of local handicrafts and narrow winding lanes. There are many places of historical, cultural and recreational interest in the city.

Multan is a commercial and industrial center, it is connected by road a rail with Lahore and Karachi and by air with Karachi, Quetta, and Faisalabad. Industries include fertilizer, soap, and glass factories; foundries; cotton, woolen and silk textile mills; flour, sugar and oil mills; and a large thermal-power station. It is famous for its handicrafts (ceramics and camel-skin work) and cottage industries. There are hospitals, public gardens, and several colleges affiliated with the University of the Punjab. The University of Multan was established in 1975. Large, irregular suburbs have grown outside the old walled town, and two satellite towns have been set up. The numerous shrines within the old city offer impressive examples of workmanship and architecture.

The Shams-e Tabriz shrine is built almost entirely of sky-blue engraved glazed bricks. That of Shah Rukn-e Alam (Tughlaq period) has one of the biggest domes in Asia. The shrine of Sheikh Yusuf Gardez is masterpiece of the Multani style. Other shrines include the Pahladpuri Temple and the Idgah Mosque (1735).

Mangoes of Shujabad district are the best in the world. Multani khussa (shoes); embroidered clothes for ladies; embroidered cholas for men; earthenware pottery, painted potter, camel skin ware (e.g. lamps); carpets wooden products, especial lacquered wood.

Detailed History Of Multan

200-BC	The earliest history of Multan fades away in the mists of mystery and mythology. Most of the historians, however agree that Multan beyond any doubt, is the same Maii-us-than which was conquered by Alexander who faced here tremendous resistance. He was fatally wounded while fighting to capture the citadel. For the first time his sacred shield, which he had taken from the temple of Illion, Athena, and which he used always to be carried before him in all his battles, rolled in dust while he fell unconscious on the ground with blood gushing out from his wounds. But that was the scene which inspired the Macedonians and seeing their king in that state they launched a lightening attack and captured the citadel without any further harm to Alexander. Alexander, however, never recovered fully well after this battle and died, on his way back, at Babylon.
400-600 AD	History is silent for more than six centuries that is until 454 A.D. when White Huns, the barbarous nomads, stormed Multan under the banner of their leader Torman. After a fierce fight they conquered but did not stay for long and Hindu rule continued once again for about two hundred years.
600-700 AD	Subsequent history of Multan is well established and more than sufficient light has been thrown on the cross section by world famous travellers, writers and historians who visited Multan including the Chinese historian Hiuen Tsang in 641 A. D. The Chinese traveller found the circuit of the city about 30 li which is equal to five miles. He described, "the soil rich and fertile and mentioned about eight Deva temples. He also mentioned that people do not believe in Buddha rule. The city is thickly populated-the grand temple dedicated to the Sun is very magnificent and profusely decorated-The image of Sun Deva also known as "Mitra" is cast in yellow gold and ornamented with rare gems. Its divine insight mysteriously manifested and its spiritual powers made plain to all and so on". Multan was first visited by the Muslim arms during the reign of the Khalifa Abu Bekr, in 44 Hijri (664 A.D.), when Mohalib, the Arab General, afterwards an eminent commander in Persia and Arabia, penetrated to the ancient capital of the Maili. He returned with many prisoners of war. The expedition, however, seems to have been directed towards exploration of the country as no attempt was apparently made to retain the conquest.
700-800AD	Mohammad Bin Qasim, the great Muslim general invaded this subcontinent in 712 A. D., and conquered Sind and Multan. The city was conquered after a fierce and long battle which lasted for seven days. Many distinguished officers of the Muslim army sacrificed their lives in the battle, but the Hindu army was defeated. The author of 'Jawahar-al-Bahoor' ( the famous Arabic History) writes in his book "that Multan at that time was known as the House of Gold. There was a great Mandir which was also called as the Sun Mandir. It was so big that six thousand resident worshippers were housed therein. Thousands of people from every corner of the country used to visit this place to perfom their Haj (Pilgrimage). They used to circle round it and get their beards and heads shaved off as a mark of respect.
800-900 AD	In the periods, of Caliph Mansoor, and Mostasim Bilia, Multan was attacked by Arabs several times.
900-1000AD	Ibn Khurdaba described in his book, "The book of Roads and Kingdoms", "Multan being two months journey from Zarani the capital of Sijistan, by the name of Farj because Mohammad, Son of Qasim, Lieutenant of At-Hajjaj, found vast quantities of gold in the city, which was forwarded to the Caliph's treasury so it was called by the Arabs the House of Gold". Al-Masudi of Baghdad who visited the valley of the Indus in 303 A.H. (915 A.D.) mentioned about Multan in his book, "The Meadows of Gold", that "Multan is seventy five Sindhian Farsangs from Mansura. It is one of the strongest frontier places of the Musulmans and in its neighbourhood there are a hundred and twenty thousand towns and villages", Al-Masudi also mentioned about the idol and explained as to how people living in the distant parts of country travel to Multan to perform pilgrimage and in fulfilment of their woes and religious obligations, they make offerings of money, precious stones, perfumes of every kind and aloe wood before it. Both tstakhari of Istakhar, or Persepolis, who wrote about the middle of the tenth century 340 A.H. (951 A.D.) and Ibn Haukal of Baghdad who based his work on that of Istakhari, give glowing accounts of Multan which they described as a large, fortif ied and impregnable city, about half the size of Mansura, the ancient Muslim capital of Sind. They also mentioned about the idol of Multan as being held in great veneration by Hindus who flocked to it from all parts of India. Sultan Sabuktageen, the Afghan King conquered Multan, but after four years, that is, in 980 A.D. it was conquered by a Sardar of the Karamti Tribe who ruled it for some time.
1000-1100AD	Mahmood Ghaznavi attacked Multan for the first time - conquered it and demolished many Hindu temples. He demolished the famous 'Sun Mandir' also. Mahmood Ghaznavi attacked Multan for the second time during 1010 A.D. and conquered it but did not stay for long.
1100-1200AD	Sultan Shahab-ud-din, who is also known as Mohammad Gbory, finally defeated Pirthvi Raj and conquered India. After consolidating his position in Dehli, the capital of India, led an army attack, against Multan and conquered it. As such, Multan, which had remained almost independent under the Arab rulers became a dependency of the house of Ghaznavi. Sultan Mohammad Ghory appointed Aii Karmani as his Governor of Multan and Uch.
1200-1300AD	In 1218 A.D. Changez Khan invaded Western Turkistan and for the next three centuries history of Multan is practically the history of incursions from Western and Central Asia to which the invasion of Changez gave rise. During this period Multan was nominally subject to the Delhi Empire. There were, however, two periods when Multan was practically a separate Kingdom independent of Delhi. At times the province was held by powerful governors who, though, unable to secure independence, were powerful factors in the dynastic changes of the time. The Administration of Multan suffered due to preoccupation of Delhi Empire in repelling the repeated raids of Mughals from Khurasan and Central Asia. In 1 284 A.D. the Mughals under Taimur Khan, defeated and killed prince Muhammad, known as the Martyr Prince who then ruled Multan. In 1305 A.D. an invasion under Aibak Khan was repelled by the redoubtable warrior Ghazi Beg Tughlak, who is said to have 29 times defeated the invading hordes. In 1 327 A.D. a force under Turmsharin Khan over-ran the distt. and retreated on payment of bribe.
1300-1400AD	After the establishment of the Delhi Sultanate, Multan became its western frontier. In the beginning it was governed by Nasir-ud-Din Qabacha, then captured by jaial-al-Din Manakabarni and finally annexed by Shams-AI-Din Altamash. When Balban strengthened his frontier guard he posted his eldest son Sultan Muhammad Khan-i-Shahid here and made him responsible for the defence. It was under his patronage that Amir Khusrau and Hasan Dehiavi lived in Multan and composed their poems. Multan, however, continuously suffered from Mongol invasions. In order to meet these Mongol pressures Ghiyas-ud-Din Tughlaq was appointed as a warden of the Frontier Marches. From Multan he rose to be the Sultan of Delhi - Multan remained under the Tughlaqs until it was conquered by Amir Taimur in 1 397 A.D. During this long period the prosperity of Muitan grew unabated. It was during this period that the city was adorned by important monuments that established a particular school of Muitani Architecture. The Tombs of Baha-AI-Din Zakariya, Shah Rukn-AI-Din, Rukn-e-Alam and Shamas Sabzwari have given to Multan a unique place in the indo-Muslim Architecture. The presence of these tombs of the saints mentioned above have also added a religious tone to the city. In 1 397 A.D., came the invasion of Taimur whose troops occupied Uch and Multan, sacked Tiamba, raided the Khokhars of Ravi and passed across Beas to Pakpattan and Delhi.
1400-1500AD	For about forty years after the departure of Taimur there was no government in India in reality. Khizer Khan Syed governed the Kingdom in the name of Taimur but without any sovereign title or royal honours. During the troubled reign of his grand son Syed Mohammad, an insurrection broke out in Multan among the Afghans called Langas. Finally one of the Langa chiefs proclaimed himself as the king of Multan under the title of Sultan Kutab-ud-din Langa. During the eighty years that Multan was held by Langa Dynasty, it became the principal caravan route between India and Kandhar. Commerce and agriculture flourished. All the lands along the banks of the Chenab and the Ghagra as well as some on the Indus were cultivated and prosperity flourished once again.
1500-1600AD	In 1526 A.D. Shah Hussain Arghun, at that time the ruler of Sind, seized Muitan on behalf of Baber, the Mughal emperor. He bestowed it on his son Mirza Askari. The Mirza, assisted by Langar Khan, one of the powerful amirs of Sultan Mahmud Langa, held possession of Multan during the rest of the Baber's reign. After the death of Baber, Humayun found himself compelled to surrender Multan, in fact the whole of Punjab, to his eldest brother, Kamran Mirza. The prince established his court at Lahore and deputed one of his arnirs to take care of Multan. During the confusion that followed the flight of Humayun to Persia the Kingdom of Multan was captured by Baluchies under their chieftain Fatteh Khan who surrendered it to Hebat Khan, one of the commanders of Sher Shah Suri. Pleased with his services, Sher Shah Suri bestowed the Kigndom of Multan on Hebat Khan.
1600-1700 AD	When Humayun recaptured the Indian throne in 1555 A. D. Multan was also amalgamated in the Mughal Empire, Abul Fazal mentions in "Ain-c- Akbari" that: "Multan was one of the largest provinces of the empire, extending to the frontiers of Persia including within its limits the modern countries of Baluchistan, Sindh, Shikarpore and Thatta, besides a portion of Doabas now attached to Lahore. A royal mint for silver and copper coins was established at Multan alongwith the mints at Delhi, Agra and a few other places". Under the Mughal Emperors, Multan enjoyed a long period of peace and was known as Dar-ul-Aman (city of peace). For more than two hundred years that is from 1548 to 1748 there was no warfare in this part of the Punjab. As a result of these peaceful conditions, cultivation increased, particularly in the riverain areas and commerce flourished. Multan thus became an emporium for trade. The city became the headquarter of a province which covered the whole of the South Western Punjab and, at times, included Sind also.
1700-1800 AD	At the decline of the Mughal Empire Multan had, at first escaped devastation which was experienced by other parts of the subcontinent. The main reason was the change in the route of the invaders from Afghanistan to India as it lay through Lahore. So the armies of Nadir Shah and Ahmed Shah Abdali left Multan unscathed. After having been a part of the Dehii empire, Multan in 1752, became a province owing allegiance to the Afghan kings of Kabul. During this period the country was ruled by Governors of Pathan extraction and under the rule of the Saddozais of Kabul. The Saddozais governed Multan for more than sixty six years but general conditions remained turbulent. After consolidating their position at Lahore, the Sikhs marched to the south-west for over two hundred and fifty miles. They crossed the indus and penetrating into the Deras' under their Commanders Sardar Hari Singh Bhangi and his sons, jhanda Singh and Ganda Singh along with Hira Singh, the Sikhs destoryed everything, plundered many villages and killed the people mercilessly, set the houses of the Muslims on fire and demolished many mosques. Ultimately, under the command of jhanda Sing and Ganda Sing, they appeared before Multan on March 9 1764 A.D. (21 Ramazan 11 78 A. H.) looted its suburbs but after collecting millions of rupees they returned.
1800-1900 AD	By the beginning of 1818 Ranjit Singh succeeded to raise a big army consisting of 25,000 soldiers equipped with necessary provisions which he placed under Diwan Misr Chand, his most trusted General. The over all charge of the campaign wasentrusted tohiselderson Khark Singh and the contingent set out for Multan with great pomp and show. The famous Zamzama Gun was also transported to Multan. Nawab Muzaffar Khan Saddozai who was the Governor of Multan for the past thirty nine years fought courageously but failed to save Multan from the clutches of Sikhs. The death of Muzaffar Khan was in fact the death of the Muslim rule in Multan. After capturing the Fort the Sikh soldiers were let loose to arson and debauchery and Latif recorded as under : "The city and Fort were now given up to be plundered by the sikh troops. Great were the ravages committed by the sikhs on this occasion. About 400 to 500 houses in the Fort were razed to the ground and their owners deprived of all they had. The precious stones, jewellery, Shawls and other valuables belonging to the Nawab were confiscated to the state and kept carefully packed by Diwan Ram Diyal for inspection of the Maharaja. In the town many houses were set on fire and nothing was left with the inhabitants that was worth having. Hundreds were killed in city sack, and indeed there was hardly a soul who escaped both loss and violence" The Sikh rule continued in the Punjab and Multan unchecked but thinking themselves very powerful, the sikhs crossed the Sutlej and entered into the British Territory. They looted some of' the villages also. This happened on December 8, 1845 A.D. The outcome of this adventure was a fierce battle and a disastrous and ignominious defeat of the Sikh Army. Thereafter a treaty was signed between the British and the Sikhs. Under the new treaty a Council nf Regency was established at Lahore which empowered the British to intervene into many administrative matters. Keeping in view the provisions of the treaty the British Resident introduced several measures in order to regulate the ad 'Ministration throughout the Sikh territories. These measures were to be implemented by Diwan Mul Raj also, who was the Sikh Governor of Multan. The changes were, however, detrimental to the over all interests of the Diwan as they affected his tight control over the traders and businessmen. The other decision of the Resident which brought a blow to Diwan Mui Raj was the introduction of appeals against the decisions of the district officers. such appeals were to be heard by the Lahore Darbar. These measures infuriated the Diwan, as he considered it as an infringement of his rights. So keeping in view the insulting attitude of the British Diwan Mul Raj first resigned, then changed his mind and agreed to continue for some time. Later his resignation was accepted on March 24, 1848 and Sardar Khan Singh was appointed as the new Diwan of Multan while two British officers, Mr. P. A. Vans Agnew and Lt. W. A. Anderson were appointed to take care of the administration. When these officers reached Multan they were received by Diwan Mul Raj but his advisers forced him to change his mind. In the meanwhile commotion and agitation spread into the city. As such the helpless Diwan became a tool in the hands of the Sikh Army which rebel.led and the two British off icers were mu rdered. The rebelling soldiers gathered around Mul Raj and declared him as their leader. This open rebellion infuriated the British Government at Lahore and they decided that Multan should be captured and amalgamated into the British Territory. So the British Government collected forces right from Bannu to Bombay on top priority basis in order to capture Multan and by the end of the year Multan was surrounded from all sides. On December 21) 1848 the Bombay Division commanded by Brigadier Dundas also reached Multan. On December 27, one British column launched an attack on the suburbs and the residence of Mul Raj, the "Aam Khas", was bombarded while three other columns were ordered to make diversion to distract the enemy. The irregular forces commenced the diversion at noon and by 4 p.m. the whole line of the suburbs including the tomb of Sawan Mal, the blue Mosque of Shams Sabzwari and the cantonments of the 'Aam Khas' were in possession of the British. The Bombay Native Rifles actually entered one of the city gates. Meanwhile, a shell from a mortar blew up the magazine located within the fort. containing 5,000 maunds of powder. The explosion destroyed the great Mosque and the lofty dome of Baha-ud-Din Zakariya's Tomb. On January 2, 1849, breaches in the Khuni Burj and the Dehii Gate were reported, and storming parties advanced and crossed the intervening ditch, but the city wall was found intact with a height of 30 feet, totally impregnable. A most bloody struggle ensued and the English became masters of the town. Again, to quote Latif: "Terrible had been the carnage during the siege and frightful the effect of the British Ordnance. The battered town of Multan presented the appearance of a vessel wrecked and broken by a tremendous storm which had driven it to an inhospitable shore. The streets were strewn with slain Sikhs, whose long locks, matted with gore, and beards, blown about by the wind, gave the dead a demoniacal appearance. Not a house or wall had escaped the effects of the English shells. All had been scorched and blackened by the bombardment. Mul Raj retired to the citadel with more than 3,000 picked men, the rest all dispersed and fled. In vain did the Diwan make an endeavour to rally them. They were dispirited, and nothing was left for the garrison but to sally or. surrender. Mul Raj was now reduced to the last extremity. A constant storm of shell had reduced the interior of the fortress to a wreck. Ail the flour having been blown up in the explosion of the grand mosque, every soldier of the garrison was obliged to grind the wheat for his own food. Mul Raj's chief advisers urgently pressed him to surrender, and he promised either to do this or take poison. He was finally arrested by the British and that was the end of the Sikh rule over Multan as well as the end of loot and plunder which was the main characteristic of the Sikh rule. As stated above the residents of Multan suffered extensively during this battle. It was another addition to the history of the power game and bloodshed witnessed by the streets of Multan but life returned to normal with the passage of time.
1900-2003 AD	Multan, however, lost its very important position as soon as the British stronghold over the sub-continent grew stronger and stronger. Although peace prevailed in the region but no real progress was made. When independence was achieved in 1947 Multan was a forgotten region. There was no industry; no higher and professional educational Institutions, no high standard hospitals; so much so that there was not even a single recreation park in the whole of the city. It looked more like a town though its population was nearly one lakh. The site of the Old Fort was in ruins. Thorny bushes and ditches were in plenty whispering the awful tale of its ruination, Majority of the roads were unmetalled and the sewerage system too defective to explain. The history of the district since independence is mainly connected with the expansion of facilities except a few minor changes such as one of its districts, that is, D.G. Khan has been declared as the Divisional Headquarter and some of its Tehsils such as Vehari as the new District etc.

Multan Profile

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Multan City Profile

Location:

Multan Division lies between north latitude 29'-22' and 30'-45 and east longitude 71'-4' and 72'-4'55. It is located in a bend created by five confluent rivers. The Sutlej separates it from Bahawalpur District and the Chenab from Muzaffar Garh district. District Multan is spread over an area of 3,721 square Kilometers comprising of following four tehsils.

Multan Cantonment
Multan Sadar
Shujabad
Jalalpur Pirwala

City Towns

Area:

5,630 sq. miles (approximately) / 3,721 square Kilometers

Population:

1931 - 119000
1941 - 143000
1951 - 190000
1961 - 358000
1972 - 539000
1981 - 732000
1988 - 1,000,000
1998 - 30, 83000 (updated)

Altitude:

About 215 meters (740 feet) above sea level.

Topography:

Vast plain ground dissected by rivers, canals and narrow water channels

Best Season:

October to March (Temperature and rainfall figures quoted are based on ten years research but may vary slightly) Population Census Organization Report 1981 published in 1984.

Climate:

District Multan has an extreme climate. The extreme temperature of Multan in summer is 49ºC whereas 1ºC in winter. The average rainfall is 127 mm. The land of the district is plain and very fertile. However, the portions of tehsils Multan and Shujabad close to the river Chenab are flooded during monsoons season.

District Nazim:

Mr. Faisal Mukhtar

Important Statistics

	Police Stations	Police Posts	Mauzas	Total Union Councils	Urban Union councils	Rural Union Councils	Cantt. Boards
Multan Div.	94	12	3542	540	114	426	1
Khanewal	16	3	679	100	17	83	-
Lodhran	10	-	436	73	11	62	-
Multan	27	1	537	126	51	75	1
Pakpattan	10	3	580	63	9	54	-
Sahiwal	15	5	531	89	14	75	-
Vehari	16	-	779	89	12	77	-

How to get there in Multan.

By air:
Multan has an airport about 10 Km from city P.I.A.. operates daily flightS between Karachi-Lahore-ls1amabad via Multan.

By rail:Multan is connected by rail with all parts of the country and .lies on the main track between Karachi, Peshawar, Lahore and Quetta.

By road:Multan has connection with other cities by bus and coach. Tourism Development Corporation of Punjab operate a regular deluxe coach service between Lahore and Multan.

Fairs and Festivals

Multan is famous for traditional and religious fairs and festivals. There were a .lot of saints whose shrines are the asse' of Muslims. At every shrine annual. festivals are held Outskirts of Multan are known for fairs and other gatherings.

What to Buy

Glazed pottery, camel skin products, cotton fabrics and hand woven carpets.

Hotels & Restaurants in Multan

Sr. #	Name	Phone #
1	Holiday Inn.	587777-96
2	KFC	782841-3
3	Sind	512640-518994
4	Sheza Inn	782236-8
5	Pizza Hut	522775
6	Zanzibar	780113-4
7	Bundu Khan	540111-510034
8	Mangol	548231
9	Silver Sand	518061-2
10	Shangri-La Chinese	513444
11	Shangri-La Garden	548880, 540618
12	Shangri-La Snak Bar	513131
13	Al-Sana	542601-512494
14	New Relux	511688
15	Al-Qamar	540092-514169
16	Gild	516465
17	Shahrose	544547
18	Taj Mahal	549319
19	Tasty Plus	778333-778222
20	Food Festival	543969

Natural scene of the World

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Most Beautifull scene of the World

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Most Amazing Places of the World

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Khana Kaba

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Inside view House of (PBUH)
House of (PBUH)
Inside of Khana Kaba
Key of Khana Kaba
Musharaf in Khana Kaba
Now gate of Khana Kaba

Old gate of Khana

Old view of Khana Kaba

Old view of Safa Marwa
Room of (PBUH)

Dreamsland

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Water Holes

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Real Titanic

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Pakistani Coins

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Bike jump

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Bigest

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Water Bus

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Amazing Roads

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Strange True

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Stuped Questions & Sharp Answer

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BOY : May I hold your hand?
GIRL : No thanks, it isn't heavy.

GIRL : Say you love me! Say you love me!
BOY : You love me...

GIRL : If we become engaged will you give me a ring??
BOY : Sure, what's your phone number??

GIRL : I think the poorest people are the happiest.
BOY : Then marry me and we'll be the happiest couple

GIRL : Darling, I want to dance like this forever.
BOY : Don't you ever want to improve??

BOY : I love you and I could die for you!
GIRL : How soon??

BOY : I would go to the end of the world for you!
GIRL : Yes, but would you stay there??

SHARON : Have you ever had a hot passionate, burning kiss??
TRACY : I did once. He'd forgotten to take the cigarette out of his mouth.

MAN : You remind me of the sea.
WOMAN : Because I'm wild, romantic and exciting?
MAN : NO, because you make me sick.

WIFE : You tell a man something, it goes in one ear and comes out of the other.
HUSBAND : You tell a woman something: It goes in both ears and comes out of the mouth.

MARY : John says I'm pretty. Andy says I'm ugly.What do u think, Peter?
PETER : A bit of both. I think you're pretty ugly.

Girlfriend : "...And are you sure you love me and no one else ?"
Boyfriend : "Dead Sure! I checked the whole list again yesterday".

Teacher : "Which is more important to us, the sun or the moon?"
Pupil : "The moon".
Teacher : "Why?"
Pupil : "The moon gives us light at night when we need it but the sun gives us light only in the day time when we don't need it".

Teacher : "What do you call a person who keeps on talking when people are no longer interested?"
Pupil : "A teacher".

Waiter : "Would you like your coffee black?"
Customer : "What other colors do you have?

Teacher : "Sam, you talk a lot !"
Sam : "It's a family tradition".
Teacher : "What do you mean?"
Sam : "Sir, my grandpa was a street hawker, my father is a teacher".
Teacher : "What about your mother?"
Sam : "She's a woman".

Tom : "How should I convey the news to my father that I've failed?"
David: "You just send a telegram: Result declared, past year's performance repeated".

Teacher : "Now, children, if I saw a man beating a donkey and stopped him, what virtue would I be showing?"
Student : "Brotherly love".

Teacher : "Now, Sam, tell me frankly do you say prayers before eating?"
Sam : "No sir, I don't have to, my mom is a good cook".

Patient : "What are the chances of my recovering doctor?"
Doctor : "One hundred percent. Medical records show that nine out of ten people die of the disease you have. Yours is the tenth case I've treated. The others all died".

Teacher : "Can anybody give an example of COINCIDENCE?"
One Student : "Sir, my Mother and Father got married on the same day and at the same time."

Teacher : "George Washington not only chopped down his father's Cherry tree, but also admitted doing it. Now do you know why his father didn't punish him ?"
One Student: " Because George still had the axe in is hand."

21Points of Life

2010-11-06T08:43:00.000+05:00

1 . Give people more than they expect and do it cheerfully.
2 . Marry a man/woman you love to talk to. As you get older, their conversational skills will be as important as any other.
3 . Don't believe all you hear, spend all you have or sleep all you want.

4 . ! When you say, "I love you," mean it.

5 . When you say, "I'm sorry," look the person in the eye.

6 . Be engaged at least six months before you get married.

7 . Believe in love at first! sight.

8 . Never laugh at anyone's dreams. People who don't have dreams don't
have much.

9 . Love deeply and passionately. You might get hurt but it's the only way
to live life completely.

10 .. In disagreements, fight fairly. No name calling.

11. Don't judge people by their relatives.

12 . Talk slowly but think quickly.

13 . When someone asks you a question you don't want to answer, smile
and ask,
"Why do you want to know?"

14 . Remember that great love and great achievements involve great
risk.

15 . Say "bless you" when you hear someone sneeze.

16 . When you lose, don't lose the lesson.

17 . Remember the three R's: Respect for self; Respect for others;
and Responsibility for all your actions.

18 . Don't let a little dispute injure a great friendship.

19 . When you realize you've made a mistake, take immediate steps to
correct it.

20 . Smile when picking up the phone. The caller will hear it in your
voice.

21 . Spend some time alone.!

Internet World Records

2010-11-06T08:36:00.000+05:00

1. Biggest Internet Shopping Mall
The Internet Mall has a record 27,000 on-screen virtual shops and more than 1 million subscribers in the UK alone. It uses 65,000 shops around the globe to create the service, which is available in more than 150 countries. Products ranging from popcorn to car insurance are delivered within 48 hours.

2. Earliest Internet Browser

Released on April 22, 1993, NCSA Mosaic was the world's first Internet browser. It was created by researchers at the National Center for Supercomputing Applications (NCSA) of the University of Illinois in Chicago, Illinois, USA, and was designed to allow people to easily retrieve data from computer networks.

3. Internet Speed Record

On 14 April 2004 a team of engineers from Sprint Corporation in San Jose, California, USA, and the Swedish National Research and Education Network successfully transmitted 838.86 gigabytes of data over a distance of 16,343 km (10,155 miles) in 1,588 seconds. The resulting record value of 69,073 terabit metres-per-second was achieved over public networks using IPv4. The start and end points of the transmission were San Jose, California, USA, and the University of ***eå , ***eå , Sweden.

4. Largest Domain Ownership
According to NetNames Ltd., as of April 2000, the USA has over 11 million domains of the 15,719,462 that exist worldwide.

5. Largest Free Email Provider

MSN Hotmail is the world's largest free web-based e-mail service provider, with more than 110 million active subscribers as of January 2003. The Hotmail user base has grown more than 10 times since January 1998 – more than the world population has grown in the last fifty years – and on most days, the number of new people signing up for an account is greater than the number of babies born into the world!
An average of 40 million Hotmail emails are sent each day, and MSN have estimated that their service saves 500 trees – that's about 72,720 kg – of paper per day.

6. Largest Internet Search Engine

Google, with around 2.215 billion pages, has the largest continually-refreshed index of webpages of all the world's search engines. The company was founded by Larry Page and Sergey Brin. Their first office was a garage in Menlo Park, California, USA, which opened in September 1998 with a staff of four people.

7. Most Expensive Internet Domain Name

The Internet domain name business.com was sold by Texan entrepreneur Marc Ostrofsky on Dec 1 1999 for £4.6 million ($7.5 million)
Marc, a 38-year-old Houston media entrepreneur, bought the domain name from a London Internet service provider for $150,000 in 1996, the same year his children's nanny won $21 million in the Texas lottery. Ostrofsky is not only a savvy businessman but also a very thoughtful husband. When he sold the domain name www.eflowers.com for $25,000 –and 50 cents on every transaction at that site – he made eFlowers promise to send his wife a dozen roses each month for the rest of her life!

FIVE MOST EXPENSIVE DOMAIN NAMESBusiness.com – $7.5 million
AsSeenOnTv.com – $5.1 million
Altavista.com – $3.3 million
Wine.com – $2.9 million
Autos.com – $2.2 million

8. Most Questions Asked Online

On May 17, 1997, Sir Paul McCartney received over 3 million questions from fans in 30 minutes, during a web event to promote his album Flaming Pie.

Reading Skills

2010-11-05T12:54:00.000+05:00

READING SKILLS

Reading skill is one of the best determiners for school success, and yet, many children read poorly or simply do not seem to enjoy reading. How can parents help reluctant readers enjoy reading more? Here are some parent-tested tips for helping your child develop a love for reading.

· Don't nag. The very best way to make a child NOT want to do something is to nag. So abandon all those subtle, and not so subtle suggestions that your child go read a book instead of playing Nintendo, watching TV or following you around singing the "I'm bored" song. Relax…pressure just turns reluctance into stubborn resistance.
· Be a book lover. Why should a child think reading is fun if neither mom nor dad ever picks up a book? Is your home rich in reading material or are all the books relegated to your child's room? Let your child "catch" you reading for pleasure or squeezing book time into your busy day and he will begin to get the idea that reading can be fun.

· Read to your kids and with your kids. Let your kids read aloud to you while you do simple chores. Many children will be willing to read just for the extra "together time" with mom or dad.

· Make reading part of bedtime. Many parents allow kids to stay up past bedtime as long as they are reading.
· Make buying books into an event. Let your child choose what he wants to read and go to bookstores that have a pleasant atmosphere and knowledgeable staff - independent book stores are often excellent for this. After book buying, consider stopping off for a treat and a chance to discuss the chosen books, thus building excitement for reading them.

· Enlarge your definition of reading. Your child may prefer not to read the classics, but would be happy to read non-fiction, especially about topics or celebrities that interest him. Even comic books can increase a child's enjoyment for reading. You might also try clipping articles of interest from the newspaper or magazine - a clipping seems far less intimidating than a whole book.

· Consider some of the "picture book" nonfiction for older readers. Reading the caption paragraphs seems far less like work than tackling huge blocks of text. Also try books with semi-independent chapters so that your child isn't likely to lose interest if they put the book down for a while.

· Encourage your child to give books a chance. One parent gave her daughter a prize if she would read a "quality" book. However, if a child reads a chapter or two of a particular book and discovers he really doesn't like it, respect his tastes. We don't all like every book.

· Encourage reading as part of a vacation or day trip. Your child can read pamphlets on the destination, and plan the route on a map. After the outing, books about the things he saw will probably have more appeal.

· With a group of kids, consider helping the children create a role-playing game based on a favorite book or series. Creating a role-playing game requires writing and research, math skills and good verbal skills - all developed in a fun and exciting atmosphere.

· Try a project where your child writes his own illustrated book. Not only is this a fun introduction to reading and writing, but also the books make great gifts for friends and relatives.
Get your child a read

Mobile Tips

2010-11-05T12:51:00.000+05:00

Tip 1 : Do u know how to use the edit button (abc or pencil button)?

Heres how... in the inbox for example; u wanna delete multiple sms, simply hold the edit button, scroll down, and then, press c to delete the marked sms. The edit button can also b used to copy and past text in sms, simply hold it and scroll across, choose copy. pretty good for placing song names in ngages

Tip 2 : Shit happens, on a smartphone, its inevitable u do something wrong, and tis calls for a format of fone. to format the fone, press *#7370#, then enter the lock code, which is the sec code of the fone.
NOTE: batt must b full, else if format is disrupted by low batt, consequences will b disatrous
I heard the code *#7780# works too, pretty much the same i tink.
For 6600 users, to format the fone, theres an alternative way. Press and hold <3>, <*> and Call (Send) buttons, then power on fone, keep holding on the 3 buttons, till u come to a format screen. this method ONLY works on 6600, and need not enter the sec code. BUT sec code would be reset to default 12345.

Tip 3 : TO NGAGE USERS; Did u know u can install .sis files simply using the cable given? Juz plug it in, place the .sis file anywhere on e: (the mmc), not in any folders, root of e:, disconnect, then look for it in manager.

Tip 4: Save on battery and system memory being used by regulary checking the task manager which can be accessed by holding down the menu button!!

Tip 5: Type *#06# to display your IMEI serial number, very valuable for the unlocking your phone to other sim cards

Tip 6: Type *#0000# to view which firmware version you are running
Tip 4a: Set the screen saver to a short time out period to prolong battery life.
Tip 4b: Avoid restarting the phone, or repeatedly turning it on and off. This helps increase battery life.

Tip 7: If you would like to avoid being "blue jacked", keep bluetooth turned off, or set your phone's visibility to hidden.

Tip 8: Don't want to carry a watch and a phone? Set the screen saver to show date and time, then you can ditch the watch.

Tip 9: Save memory when installing apps, by installing over bluetooth. This can be done using the nokia phone suite and a bluetooth serial connection. Only works with .SIS files, so java still has to be sent to the phone, but will save space when using .SIS files.

Tip 10: Operator logos
Use a filemanager like FExplorer or SeleQ to add the folders: "c:/system/Apps/phone/oplogo". Add a .bmp picture to folder "oplogo" and restart your phone! The .bmp picture size needs to be: 97 x 25 pixels

Tip 11: Check if the recepients phone is on
Delivery reports or Type *0# your message in the message composer window space then write your message, the recipient will not see the star zero hash bit - just the message When they read it it will relay a message back to your fone showing the time they recieved it. (haven't yet tried it myself though)

Tip 12: BlueJacking First up, you need to know what Bluetooth is. There are lots of types of modern devices that incorporate Bluetooth as one of their many features. PDAs, mobile phones and laptops are a few of these modern devices. Bluetooth means that Bluetooth enabled devices can send things like phonebook/address book contacts, pictures & notes to other Bluetooth enabled devices wirelessly over a range of about 10 metres. So, we've got past the boring part. Now, using a phone with Bluetooth, you can create a phonebook contact and write a message, eg. 'Hello, you've been bluejacked', in the 'Name' field. Then you can search for other phones with Bluetooth and send that phonebook contact to them. On their phone, a message will popup saying "'Hello, you've been bluejacked' has just been received by Bluetooth" or something along those lines. For most 'victims' they will have no idea as to how the message appeared on their phone.

Tip 13: While you are viewing a picture in your phone's gallery, press one of these shortcut keys (definitely works on 6600, not sure about other symbians)
1 - turn image anticlockwise
3 - turn image clockwise
* - toggle on/off of full screen
5 - zoom in
0 - zoom out
#15 u can select all files in a folder by selecting THE folder and copy it then paste it somewhere. however u need to make a new directory. fexplorer wun let u copy that folder together. well seleQ can mark files to copy but it really takes time!

----------How To Save a Wet Phone, Some Tips!!!--------------

Ever dropped your cell phone in the sink, or even worse the toilet? Did you ever leave it in your pocket and run it through the washer? It usually means you have to replace your phone, but sometimes if you're fast you can save the phone.

1. Remove the Battery. This is one of the most important steps. Don't take time to think about it, electricity and water do not mix. Cutting power to your phone is a crucial first step in saving it.

2. Dry your Phone. Obviously you need to remove as much of the water as soon as you can to prevent it from getting into the phone. Use a towel or a paper towel to remove as much of the water as possible.

3. Soak in Alcohol. Alcohol is hygroscopic (attracts water), it will dissolve all the water in the phone, which will then pour out of the phone with the alcohol. Any remaining alcohol will evaporate. Alcohol will not harm your phone but may mess up glue (from stickers and the like). Use 95% alcohol, not the regular 70% rubbing type. Do it outside!. If you use alcohol, do not follow the rest of the advice here, instead leave your phone outside for a day or two to dry.

4. Allow the phone to dry. Since you do not want to ruin your phone or lose all the numbers in your phone book, you need to allow the phone to dry. Don't try putting the battery back on to see if it works as this would risk damaging the phone with a short circuit. Leaving your phone in a bowl of dry rice will help to expedite moisture evaporation.

5. Heat your Phone. Apply enough heat to your phone to cause the water to evaporate without waterlogging your digital screen. One of the best things you can do to save a cell phone is to set it on the back of your computer monitor or TV screen over the heat vents. This is usually the perfect amount of heat to fix your phone. The convection action of the heat vents will help carry away the moisture in your phone. Leave the phone on the heat for at least 2-3 days. Another option is to leave it overnight in the oven on warm (make sure to take off the battery first).

6. Test your Phone. After you have waited 3 days, make sure everything is clean and dry looking and re-attach the battery to the phone and see if it works. If your phone does not work repeat step 4. If it still won't work, try taking your cell phone to an authorized dealer. Sometimes they can fix it.

Tips :

* Don't put the battery on for at least 3 days or longer if your digital screen is foggy.

* Place a piece of satin finish scotch tape over your water damage sticker before you drop your cell phone in the water to prevent the water damage sticker from voiding your warranty. This sticker can usually be found under your battery. It's a small round white sticker, possibly with dots on it. If this sticker gets wet it changes color and your phone is marked for water damage.

* Remove the tape if you ever have to return your phone for repairs or warranty. (See the note in the 'Warnings' section about doing this!)

* The best way to dry out your phone is to place it in front of an air conditioner or air conditioning vent. Cold air won't damage your phone (hot air can warp or in extreme cases even melt plastic), and air from an air conditioner is dry, and so will evaporate water faster than you might think (which is why a car air conditioner will de-mist the windshield so effectively, even if the engine hasn't warmed up yet). Warm air from a reverse-cycle air conditioner works even better, of course. If you dry your phone in this way overnight it should be fine by the morning.

* Use a hairdryer set on warm; it won't melt your head so your phone should be safe.

* Use a food dehydrator.

* Use the oven on the warm setting (make sure to take out the battery)

Warnings :

* Don't heat the battery or it could leak acid. If you use an oven or hairdryer, make sure to remove the battery first.

* If you use alcohol make sure to do so outside, and do not apply heat in any form, not even the gentle heat of a monitor. Do not hook up the bettery till the alcohol smell dissipates.

* Do not apply heat to your phone other than mentioned above. You don't want to melt or burn your phone.

* Warranty fraud is naughty! If you dropped your phone in the can with your other 'droppings'--are you really going to send it in for a warranty tech to have to open? Yuck!

* FYI, Most modern phones have more than one liquid damage indicator on them, only one visible to you (and sales/technician agents), and chances are, if the sticker under the battery is triggered (or would be, with the scotch tape trick), then the odds are that the internal stickers you can't access are tripped as well. This will still result in you paying a voided-warranty fee in the long run, and it may be best to just learn from your mistake (and not make it more financially severe!).

* Even if all these steps are followed, minerals dissolved in the water can precipitate on solder and component pins, causing corrosion or shorting. Components pins are packed so closely together in a modern cell phone that even a small encrustation can create a short, rendering the phone inoperable.

by WASEEM RAFIQ

PC easy Maintenane Tips

2010-11-05T12:48:00.002+05:00

PC Easy Maintenance Tips

The most common problem that most PC users find is that of locating the malfunctions related to software or hardware. And then fixing them up. But most of us don't realize why such problems crop up in the first place. The answer is simple: we don't tune up our machines on the regular basis.

Even if your hardware and software is state-of-the-art, you may still require to perform some regular maintenance task to keep everything running smoothly. However, you can minimize maintenance by following the step listed below:.

Maintain a computer notebook

Keep a notebook that works as a single source of information about your computer system - both hardware and software. Every time you make some changes to your computer, such as adding or removing hardware or software or altering computer parameters, record the change in your notebook. Include the following items in your notebook.

• Vendor support numbers from your user manuals

• Serial numbers of all equipment and software

• User IDs and passwords (be careful here!)

• Vendor and date of purchase for all software and equipment

• Trouble log that provides a chronological history of equipment or software problems

• Notes on any discussion with vendor support personnel

Keep the dust away

Before you open your machine to clean the inside, turn off the power and disconnect the equipment from the power source. Working inside your computer with the power on can affect both you and your computer adversely. Computer parts are very sensitive to electrostatic charge that is generated, for instance, by rubbing of clothes with our body, or combing of the hair. So before you touch anything inside the computer, you should get rid of you body charge by touching an unpainted metal surface such as the power supply. This will discharge any static electricity that could damage internal components.

Keep the area surrounding your computer dirt and dust free. Reducing the dirt and dust around your computer will reduce the need to clean the inside of your computer. If dust builds up inside the computer, remove it carefully with compressed air and a small vacuum. Do not touch the components with the vacuum.

Back up important files and data

Use the operating system or utility program to create an emergency or rescue disk to help you restart your computer if it crashes. Make it a habit to periodically copy important data files to disks, tapes, another computer or upload it on the Internet.

Protect your computer from viruses

A computer virus is a potentially damaging computer program designed to infect other software or files by attaching itself to the software or files with which it comes in contact. Virus programs are dangerous because they often destroy or corrupt data stored on the infected computer. You can protect your computer from viruses by installing an antivirus program. Popular antivirus utilities in the market include Norton Antivirus, McAfee Antivirus, Trend PC-cillin and Dr Solomon's Antivirus. You should know about some common types of viruses that threaten your PC. Here is a short list:

• Boot Sector virus: executes when a computer boots up as it resides in the boot sector of the disk

• File/program virus: attaches itself to program files. When the infected file is run, the virus loads into memory. Can be downloaded from the web or as email attachment

• Macro virus: uses macro language of an application such as word processing or spreadsheet to hide virus code. When a document containing an infected virus is opened, the virus loads into memory

• A logic bomb: is a virus that activates when it detects a certain condition

• Time bomb: a type of logic bomb that activates on a particular date

• Worm: a malicious logic program that copies itself repeatedly in memory or disk until no memory or disk space remains. Some worm programs copy themselves to other computers on a network

• Trojan horse: malicious-logic program that hides within or looks like a legitimate program. A condition or action triggers it. Does not replicate itself to other computers

• Polymorphic virus: modifies its program code each time it attaches itself to another program or file.

• Stealth virus: infects a program file, but still reports the size and creation date of the original, uninfected program

Install and update an antivirus program frequently. It protects the computer by identifying and removing any computer viruses found in memory, storage media or incoming file.

Have your software tuned

Most operating systems include several computer tools that provide basic maintenance functions.

• One important tool is the Disk Defragmenter. Defragmenting your hard disk recognizes fiels so they are in contiguous (adjacent) clusters, making disk operations faster.

• Some programs allow you to schedule maintenance tasks for times when you are not using your computer. If necessary, leave your computer on at night so it can run the required maintenance programs. If your operating system does not provide the tools, you can purchase a stand-alone utility program to perform basic maintenance functions.

• Another useful utility is Uninstaller. It removes an application as well as any associated entries in the system file. When you install an application, the operating system records the information it uses to run the software in the system files. The system file entries will remain, if you attempt to remove the application from your computer by deleting the files and folders associated with the program without running the uninstaller. Most operating systems include an uninstaller. You can also purchase a stand-alone program such as McAfee's Uninstaller.

• Disk Scanner is a utility that deletes and corrects both physical and logical problems on a hard disk of floppy disk and searches for and removes unnecessary files. A physical problem is one with the media such as a scratch on the surface of the disk. A logical problem is one with the data, such as corrupted file allocation table (FAT). Windows includes two disk scanner utilities. One detects problems and the other searches for and removes unnecessary files such as temporary files.

• A backup utility allows you to copy, or backup, selected files on your entire hard disk onto another disk or tape. During the backup process, the backup utility monitors progress and alerts you if it needs additional disks or tapes. Many backup programs will compress files during this process, so the backup files require less storage space than the original files.

• A screen saver is a utility that causes a monitor screen to display a moving image or blank screen if no keyboard or mouse activity occurs for a specified period of time. Screen savers prevent the problem of ghosting in which images could be permanently etched on a computer's screen. Though ghosting is not a problem in today's monitors, screen savers are popular for security (you can set passwords), business or entertainment purposes.

Learn to use diagnostic tools

Diagnostic tools help you identify and resolve problems, thereby helping to reduce your need for technical assistance. Diagnostic tools help you test components, monitor resources such as memory and processing power, undo changes made to files, and more. As with basic maintenance tools, most operating systems include diagnostic tools; you can also purchase or download many stand-alone diagnostic tools.

A PC without proper maintenance is like humans without proper health care. Spending time on taking care of your computer, desktop or notebook, will reduce the number of your PC-related headaches.

Courtesy: Dawn

WASEEM RAFIQ

Credit Card Tips

2010-11-05T12:45:00.002+05:00

Are u ready for A Credit Card?

You may already have a credit card, but if you don't, you can be sure there will be many opportunities to get one once you arrive on campus.
Many credit companies set up tables in the common areas of college campuses to encourage students to sign up for credit cards. Often, they give away trinkets such as T-shirts, water bottles, frisbees, coffee mugs, etc. in exchange for having you fill out an application. Sound easy? It is, but think twice before you do it.

Unfortunately, many of the credit cards offered on campus may not be a good value for students. According to a study conducted by the U.S. Public Interest Research Group (PIRG), students who obtain credit cards at campus tables have higher unpaid balances than those who do not. Carrying high, unpaid balances is one of the quickest ways to incur too much debt and fall behind in payments.

Why do Credit Card Companies Target Students?
Surprisingly, students are a good credit risk, despite the fact that they often do not have jobs and are also borrowing student loans. Research has shown that student borrowers are valuable customers because they tend to stay loyal to their first card, continuing to make purchases for many years to come.

The Advantages of Credit Cards
Like loans, using credit cards can help you build a positive credit history. This can enhance your ability to receive a private student loan, buy a car, rent an apartment, get a job, and eventually, try to buy a house. Of course, there are other advantages to having a credit card including:

Security in emergencies;
Reduced need to carry cash or checks; and
Enhanced personal responsibility and independence.
However, only one national card like a "Visa" or a "MasterCard" is necessary to receive these benefits.

How Credit Cards are billed?
Unlike repayment on a traditional loan, such as a student or car loan, credit cards do not allow you to spread the amount you owe over a fixed period of time. Instead, you are required to make a minimum monthly payment, which is the smallest amount you can pay and still meet your cardholder agreement (the terms you agree to when signing up for the card).
The minimum payment is usually 2 percent of your outstanding balance. Unfortunately, by paying only the minimum each month instead of paying off your entire balance, your debt will continue to grow. Many credit card companies also charge late fees (usually 2 percent of the outstanding balance), and higher interest rates on cash advances.

So Are U Ready for a Credit Card?
As a student, you will have to decide for yourself if you can handle the responsibility of a credit card. They are easy to get but not so easy to manage, especially if you end up with a high, unpaid balance on which interest is accruing, but payments are not being made. According to the PIRG study, of the 79 percent of surveyed students who use credit cards for multiple purposes, only 13 percent reported limiting credit card use to emergencies.
When making your decision about a credit card, ask yourself the following:

Do I need a credit card?
Can I afford a credit card?
Will I be able to pay off my balance each month?

If you decide to apply for a credit card, be a smart consumer and shop around. Look for a company that offers the following:

Low interest rates or finance charges (combined, they are called APR)
Low or no annual fees
A grace period (time during which no payments are due) before finance charges are posted
Other benefits including purchase warranties, free gas, airline miles, etc.

Helpful Hints on Using Credit Cards
Credit cards can be helpful in emergencies or if you are able to pay off the balance each month, but be wary! Credit cards can also get you into trouble. Here are some helpful hints on using credit cards:
Fees

Watch out for carrying balances. Some cards charge 20% or more in interest. (Interest is usually called "Finance Charges" on your statements.)

Look at your statement carefully and call the company right away if you have any questions.

There is usually a large finance charge for cash advances and interest begins accruing as soon as you take the money out, not after the next statement closing.

Be aware of annual fees. Many times you are charged $50 or more just to have the card.

Watch out for introductory offers! When you receive a credit card offer in the mail with a low rate, it may expire in three or six months. Note when and by how much the rate increases after the "introductory offer" expires. You may not remember when it expires, but the card company will.

Think about your purchases. If you are not able to afford the purchase now, chances are you won't be able to afford it in a month when the credit card bill comes in!

If you get behind

Cut your recreational expenses.

Call your credit card company. They may be willing to work out a repayment schedule with you.

Develop a budget and stick with it! Everyone makes mistakes, but don't prolong yours. Bad credit will follow you and hurt your chances for mortgages or loans down the road.

Look into credit counseling services. Many offer educational programs or individual counseling sessions to help you get back on track.

Amazing & Very Interesting

2010-11-05T12:43:00.000+05:00

The Statue of Liberty’s index finger is eight feet long.

Rain has never been recorded in some parts of the Atacama Desert in Chile.

A 75 year old person will have slept about 23 years.

A Boeing 747’s wing span is longer than the Wright brother’s first
flight.(the Wright brother’s invented the airplane).

There are as many chickens on earth as there are humans.

One type of hummingbird weighs less than a penny.

The word “set ” has the most number of definitions in the English language;192.

Slugs have four noses.

Sharks can live up to 100 years.

Mosquitos are more attracted to the color blue than any other color.

Kangaroos can’t walk backwards.

About 75 acres of pizza are eaten in in the U.S. Everyday.

The largest recorded snowflake was 15in wide and 8in thick. It fell in
Montana in 1887.

The tip of a bullwhip moves so fast that the sound it makes is
actually a tiny sonic boom.

Former president Bill Clinton only sent 2 emails in his entire 8 year
presidency.

Koalas and humans are the only animals that have finger prints.

There are 200,000,000 insects for every one human.

It takes more calories to eat a piece of celery than the celery had in
it to begin with.

The world’s largest Montessori school is in India, with 26,312 students in 2002.

Octopus have three hearts.

If you ate too many carrots, you’d turn orange.

The average person spends two weeks waiting for a traffic light to change.

1 in 2,000,000,000 people will live to be 116 or old.

The body has 2-3 million sweat glands.

Sperm whales have the biggest brains; 20 lbs.

Tiger shark embroyos fight each other in their mother’s womb. The
survivor is born.

Most cats are left pawed.

250 people have fallen off the Leaning Tower of Pisa.

A Blue whale’s tongue weighs more than an elephant.

You use 14 muscles to smile and 43 to frown. Keep Smiling!.

Bamboo can grow up to 3 ft in 24 hours.

An eyeball weighs about 1 ounce.

How to become 100%

2010-11-05T12:39:00.002+05:00

A SMALL TRUTH TO MAKE LIFE 100%

If
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z

is equal to
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26

Hard Work
H+A+R+D+W+O+R+K
8+1+18+4+23+15+18+11 = 98%

Knowledge
K+N+O+W+L+E+D+G+E
11+14+15+23+12+5+4+7+5 = 96%

Love
L+O+V+E
12+15+22+5 = 54%

Luck
L+U+C+K
12+21+3+11 = 47%

( don't most of us think this is the most important ??? )

Then what makes 100% ?

Is it Money ? ... NO ! ! !
M+O+N+E+Y
13+15+14+5+25 = 72%

Leadership ? ... NO ! ! !
L+E+A+D+E+R+S+H+I+P
12+5+1+4+5+18+19+9+16 = 89%

Every problem has a solution, only if we perhaps change our attitude.
To go to the top,
to that 100%,
what we really need to go further... a bit more...

ATTITUDE
A+T+T+I+T+U+D+E 1+20+20+9+20+21+4+5 = 100%

It is OUR ATTITUDE towards Life and Work that makes OUR Life 100% ! ! !

ATTITUDE IS EVERYTHING
Change Your Attitude …

And You Change Your Life ! ! !