Category Archives: Uncategorized

India’s 30 million year long ‘isolation’ was not so isolated, finds new study

Throwing fresh light on how India gradually drifted away from Africa and Madagascar and collided with the Eurasian plate, scientists now report India was by no means as isolated as we thought during its journey.

It was common belief among researchers that before it collided with the Eurasian plate, India was largely isolated for at least 30 million years during its migration.

The research was done by German, Polish and Indian scientists, with the Indian contribution coming from Hukam Singh, a scientists at the Birbal Sahni Institute of Paleosciences, Lucknow. The study is published in the peer reviewed journal PLOS ONE.
The insects, called ‘biting midges’ were less than a millimeter long and were fossilized in amber, a tree resin. They were discovered in the Cambay basin near Surat in Gujarat. Their age has been estimated at 54 million years ago, a time when the Indian plate should have been isolated and surrounded by oceans.
India harbours many unique species of flora and fauna that only occur in this form on the subcontinent. The prerequisite for such a unique development of species is that no exchange takes place with other regions. For a long time, scientists assumed that India was isolated in this way due to continental drift. The supercontinent Gondwana, which included South America, Africa, Antarctica, Australia, Madagascar and India, broke up over the course of geological history. What is now India also began moving towards the north east around 130 million years ago. It was common belief among researchers that, before it collided with the Eurasian plate, India was largely isolated for at least 30 million years during its migration. “Certain midges that occurred in India at this time display great similarity to examples of a similar age from Europe and Asia,” says lead author Frauke Stebner from the working group of Prof. Jes Rust at the Steinmann Institute at the University of Bonn.

 The scientist from the University of Bonn mined for amber in seams of coal near Surat. Small midges, among other things, were encased in tree resin 54 million years ago and preserved as fossils. Their descendants can still be found today in Germany in meadows and forests – where the little beasts attack you in swarms and suck your blood.
 The paleontologists investigated a total of 38 biting midges encased in amber and compared them with examples of a similar age from Europe and China. It has been possible to assign a total of 34 of these insect fossils to genera that are already known. “There was significant conformity with biting midges in amber from the Baltic and Fushun in north-east China,” reports Stebner.
 How the insects were able to spread between drifting India and Eurasia has not yet been clarified fully. Stebner assumes that a chain of islands that existed at that time between India, Europe and Asia could have helped the biting midges to spread. As if from stepping stone to stepping stone, the insects could have gradually moved forward along the islands. “Some of the biting midges found in Indian amber were presumably not especially good long-distance flyers,” smiles the paleontologist from the University of Bonn. It was therefore probably not so easy to reach the subcontinent or move from there during the migration of India

SUFISM IN INDIA

Sufism is the spirit of religion and aims at a direct communion with the Absolute power. It is defined as the inner mystical dimension of Islam. In the words of Prof. Khaliq Ahmad Nizami: “Tasawwuf is the spirit of religion and morality as well as the upliftment of Imaan (belief). In a developmental process these three help build up the human personality. To build up the personality the great sufis have worked hard.” (Translated from Tareekh e Mashaikh e Chisht).

 

With its great objectives and approaches Sufism became the most popular and influential school of thought of Islam and Humanity.

 

Sufi culture in India became prominent during Delhi Sultanate. Sufism though being a spiritual Islamic movement entered the socio cultural dimensions and established a Sufi culture in India. This culture attracted the whole nation through its universal approach of human fellowship and brotherhood. It led its impact on the faculties of language, literature, music, painting, architecture etc.

 

Tolerance has always been its main identity and because of which it succeeded in creating harmony and trust between people of different religions, to quote Prof. Jamal Khwaja: “The best commentary on tolerance and functional secularism of medieval India is provided by the growth of a common and composite culture reflected in the regional languages, architecture, painting, music, dress, entertainments, amusements, proverbs, folklores, and folk religions of India.”(Khuda Bakhsh Lectures, Indian and Islamic).

 

The Sufi culture in India flourished with the Sufi orders being introduced as Chishtie, Quadri, Suharwardi, Firdausi etc. The Sufi culture has been a thing of great interest in India. Dohas, Pahelis, Kahmakarnis, of Amir Khusrau, Ghazals of Mir Dard, Mirza Mazhar Janjan, Bedam Shah Warsi, Shah Qayyam Asdaque, Nazish Sahsarami, Maikash Akbarabadi etc and the prose works of Banda Nawaz Gesudaraz, Hasan Sajzi, Shah Waliullah, Maulana Fakhruddin etc are the unforgettable assets of Sufi literature.

 

The institution of Khanquah has always been the important component in the understanding of Sufi culture. It has been the centre of moral teachings for centuries. It imparts Islamic learning, Sufi teachings and universal human brotherhood.

 

The Sufi culture has always been a source of human integration. Even today in a state of spiritual crisis the majority of Indians have a deep love and regard for humanity and it is the impact of Sufi culture that is deep rooted in the Indian society. Today when the world is going through painful crisis of human and moral values and India is suffering from the curse of communalism and terrorism, the re-establishment of Sufi culture is acutely needed.

 

Feminism and its Journey through time

“We cannot all succeed if half of us are held back”.

The word ‘Feminism’ seems to refer to an intense awareness of ones identity as a woman and interest in feminine problems. ​ Charles Fourier​ , a ​Utopian Socialist​ and French philosopher, is credited with having coined the word “feminisme” in 1837.

Feminism encompasses a range of movements and ideologies that share a common goal: to define, establish, and achieve ​equal​ political, economic, cultural, personal, and social ​ rights for women​ . This includes seeking to establish equal opportunities for women in education and employment. A feminist advocates the rights and equality of women.

According to Janet Richards,

“The essence of Feminism has a strong fundamental case intended to mean only that there are excellent reasons for thinking that women suffer from systematic social injustice because of their sex, the proposition is to be regarded as constituting feminism”​ .

Feminism is a​ movement​,that translates to a group working to accomplish specific goals. Those goals are ​ social and political change​ ­implying that one must be engaged with the government and law, as well as social practices and beliefs. And implicit to these goals is access to sufficient information to enable women to make responsible choices.

Feminist campaigns are generally considered to be one of the main forces behind major historical changes for women’s rights, particularly in the West, where they are near­universally credited with having achieved ​women’s suffrage, ​gender neutrality in English​ , ​reproductive rights​  for women (including access to ​contraceptives​ and ​abortion​), and the right to enter into contracts and own property​ .

The history of the modern western feminist movements is divided into three “waves”. Each wave dealt with different aspects of the same feminist issues

First­wave feminism​  was a period of activity during the nineteenth century and early twentieth century. In the UK and US, it focused on the promotion of equal contract, marriage, parenting, and property rights for women. By the end of the nineteenth century, activism focused primarily on gaining political power, particularly the right of women’s ​ suffrage​ ,though some feminists were active in campaigning for women’s sexual, ​ reproductive​ , and economic rights as well

This first phase of feminism in India was initiated by men to uproot the ​social evils​  of ​ sati​  (widow immolation), to allow widow remarriage, to forbid child marriage, and to reduce illiteracy, as well as to regulate the age of consent and to ensure property rights through legal intervention. In addition to this, some upper caste Hindu women rejected constraints they faced under Brahminical traditions. However, efforts for improving the status of women in Indian society were somewhat thwarted by the late nineteenth century, as nationalist movements emerged in India. These movements resisted ‘colonial interventions in gender relations’ particularly in the areas of family relations. In the mid to late nineteenth century, there was a national form of resistance to any colonial efforts made to ‘modernise’ the Hindu family. This included the Age of Consent controversy that erupted after the government tried to raise the age of marriage for women. Several Indian states were ruled by women during British colonial advance including ​ Jhansi​  (​ Rani Laxmibai​ ), ​ Kittur​  (​ Rani Chennama​ ), ​ Bhopal​  (Quidisa Begum) and Punjab​  (​ Jind Kaur​ ).

Second­wave feminists see women’s cultural and political inequalities as inextricably linked and encourage women to understand aspects of their personal lives as deeply politicized and as reflecting ​ sexist​  power structures. The feminist activist and author ​ Carol Hanisch​  coined the slogan “The Personal is Political”, which became synonymous with the second wave. The 1920s was a new era for Indian women and is defined as ‘feminism’ that was responsible for the creation of localised women’s associations. These associations emphasised women’s education issues, developed livelihood strategies for working­class women, and also organised national level women’s associations such as the All India Women’s Conference. AIWC was closely affiliated with the Indian National Congress. Under the leadership of ​ Mahatma Gandhi​ , it worked within the nationalist and anti­colonialist freedom movements.

Women’s participation in the struggle for freedom developed their critical consciousness about their role and rights in ​ independent India​ . This resulted in the introduction of the franchise and civic rights of women in the Indian constitution. There was provision for women’s upliftment through ​ affirmative action​ , maternal health and child care provision equal pay for equal work etc. The state adopted a patronising role towards women. For example, India’s constitution states that women are a “weaker section” of the population, and therefore need assistance to function as equals. Thus women in India did not have to struggle for basic rights as did women in the West. However, the utopia ended soon when the social and cultural ideologies and structures failed to honour the newly acquired concepts of fundamental rights and democracy.

Third­wave feminism arose as a response to the perceived failures and backlash against initiatives and movement created by second wave of feminism during the 1960s to 1980s, and realization that woman are of, many colours, ethnicities, nationalists, religions and cultural background. The third wave embraces sees diversity and change. In this wave there is no all­encompassing single feminist idea. Third wave feminism seeks to challenge or avoid what it deems the second wave’s “ essentialists’’ definition of feminity, which often assumed a female identity and overemphasized the experiences of upper­middle class white woman. Third wave ideology focusses on more post­structuralism interpretation of gender and sexuality. Third wave theory usually incorporates elements of queer theory; antiracism and woman­of­color consciousness; womanism; girl power; post­colonial; postmodernism; transnationalism; eco­feminism; individualist feminism; new feminist theory, transgender politics, and a rejection of the gender binary.

In India, post independence feminists began to redefine the extent to which women were allowed to engage in the workforce. Feminists in the 1970s challenged the inequalities that had been established and fought to reverse them. These inequalities included unequal wages for women, relegation of women to ‘unskilled’ spheres of work, and restricting women as a reserve army for labour. In other words, the feminists’ aim was to abolish the free service of women who were essentially being used as cheap capital. Feminist class­consciousness also came into focus in the 1970s, with feminists recognising the inequalities not just between men and women but also within power structures such as caste, tribe, language, religion, region, class etc. This also posed as a challenge for feminists while shaping their overreaching campaigns as there had to be a focus within efforts to ensure that fulfilling the demands of one group would not create further inequalities for another. Now, in the early twenty­first century, the focus of the Indian feminist movement has gone beyond treating women as useful members of society and a right to parity, but also having the power to decide the course of their personal lives and the right of self­determination.

In conclusion, the study shows feminism is a struggle for equality of women. The agonistic definition of feminism sees it as the struggle against all forms of patriarchal and sexiest aggression.

Wood Shutters or Vinyl: Things You Need To Consider Before Deciding

You’ve made the decision of installing shutters? Well, congratulations! You know it’s for the best. Shutters will help with enhancing the exterior styling of your home. However, once you get down to the task of finding the best window shutters for your home, you will realize that there are a wide variety of choices to make. One of those choices is to choose the shutter material most suitable to your house and the area you live in. Let’s talk about two of the most preferred shutter material choices:

Wood Shutters

The classic choice of shutters is in wood that most people prefer. Wood gives the home a classic, traditional feel and generates a feeling of completeness. These kind of shutters are available for any window size and you can also custom order different styles according to your preference. You can paint the wood any color you like as well. However, wood may need to be taken extra care of and may wither in extreme temperatures. Chipping is also likely and the shutters might thus need to be repainted frequently. But if a little hands-on maintenance works for you well, you should opt for wood. Of course, increase the longevity of wood shutters by installing metal top caps to ensure moisture doesn’t seep into the end grain of the wood.

Vinyl Shutters

Vinyl shutters offer a great alternative to wood boasting many benefits. For starters, you will find that vinyl shutters cost less than their classic counterparts and don’t peel, fade, crack or deteriorate like wood does with time. Vinyl shutters are thus more maintainable, and along with looking good on the outside, can also be used inside the house near sinks, swimming pools and showers- all the places where you know wood wouldn’t last very long. Vinyl shutters are also by far easier to install because they are lightweight and non-functional. You simply need to attach them to the exterior wall and the installation is complete.

The Choice Is Yours

Where one shutter material helps give your home an elegant look, the other is easier to maintain and longer lasting. In the end, the choice to install either is yours, depending on what aspects you prioritize. When choosing between wood and vinyl shutters, consider the climate of your residence area and your home style. Wood suits traditional homes more while vinyl shutters are best for a more modern looking home. That is one way to make the choice if everything else things fail to point you in the right direction.

Remember that purchasing shutters, no matter how menial or easy a task it might seem, entails a lot of planning. You don’t want to waste your money by installing the wrong kind of shutters that can’t withstand the weather. Choose the shutter material, style, color as well as any accompanying hardware carefully in order to spend your bucks wisely and invest in good home infrastructure that pays off later. You know, a better looking home fetches a better price.

If you’re looking for wood or vinyl shutters, we stock an extensive variety of both materials and styles. Call our toll free number (1-800-734-8368) today to get in touch with our customer representative who can guide you to make the right choice for your home.

What Are Your Style Options When It Comes To Shutters?

Like every other thing that contributes to home furnishing, shutters are available in different styles as well. Since the prime purpose of using shutters today is to enhance the outlook of your home, you must consider your style options carefully. Do you know the pros and cons of the different styles vinyl outdoor shutters and wood shutters and when you should choose one style over another? Let us help!

Shutter Styles

The three most common styles of shutters are louvered, raised panel, and board and batten shutters. Let’s take a look at each separately:

Louvered Shutters: Louvered shutters are one of the oldest and most popular shutter styles. These shutters have horizontal slats that allow controlled amount of light and air to pass through even when closed. Louver shutters can be installed for both decorative and functional purposes and either choice makes them an ideal option.

Raised Panel Shutters: This is a popular shutter style in New England, and gives the home, a timeless colonial look. Raised panel shutters mimic the raised panel doors and are most suitable for installation in places where you need privacy. They can also block sunlight which makes them ideal for your room in case you’re not a morning person. They are easy to install, economical and require minimal maintenance, making them a preferred choice for homeowners.

Board and Batten Shutters: A popular design trend, which was previously meant for farms and barns, the board and batten shutters give the home a rural appeal. Vinyl board and batten shutters are the preferred choice if you want to use shutters only for decorative purposes, and they are economical as well.

Choosing the Right Style for Your Windows

So now, after you are clear about the three basic styles that shutters are available in, you must decide which style is best suited for which kind of windows.

If you live in a traditionally styled house and like to maintain your privacy, operable panel shutters might be your best bet. These allow you to shut out the outside world when you want some solitude. Paneled shutters can also provide security by making the window difficult to access from the outside and can help to protect your expensive furniture from the harsh rays of the sun.

Most other types of windows and modern looking houses work well with louvered shutters. When installed with operable hardware, this style can provide the best natural alternative to air conditioning – outdoor breezes. Louver shutters in the closed position block direct sunlight, but still let air and indirect light pass through so they can keep the interior of your home cool when there is a light breeze to take advantage of while minimizing the greenhouse effect.

If you’re looking for shutters for more of a rustic country feel, consider board and batten shutters. Originally, such shutters were used to cover openings in farms to keep the animals protected until glass became an economical option. Today, these are widely used as a popular home exterior decoration item.

By far the best way to choose which style of shutters is right for your home is to take a walk or drive around your neighborhood to see what your neighbors are doing. After all, you wouldn’t want to be the only one in your neighborhood with raised panel shutters when the other houses all have louver shutters.

At www.ShutterContractor.com, you will find a wide variety of all kinds of shutters available to decorate your windows and enhance your home’s exterior appeal. For more information about our products or for to obtain guidance to make the right choice, talk to one of our customer representatives today. Our toll free number is: 1-800-734-8368

Tips for Choosing the Right Exterior Shutters for Your New Home

Installing shutters in your new home should be a no-brainer. But are you aware of the ins and outs of selecting the best exterior shutters for your home? Exterior window dressings such as shutters can favorably enhance the look of your home from the outside while offering increased protection from the harsh heat and sunlight. Many homeowners like yourself today are aware of the decorative as well as practical benefits of shutters. So before you move into your new house or while you make renovation plans, make sure you keep the following guidelines in mind while choosing shutters:

 

Is There Enough Window Space

When installing shutters, you need to make sure there is enough space on both sides of the window for the shutters to open up. Windows that are too close to the corner or don’t have much side space, aren’t always suitable for shutters because they shouldn’t be sticking out or overlapping the corner. Space between windows also needs to be considered before making the decision, as any two windows shouldn’t be too close together. There should be enough space between adjacent windows for the shutters to open up without touching or overlapping.

What’s Your Window Size

Another important aspect to consider when choosing exterior shutters is the size of the windows. It helps determine the height and width of the shutters you would need. The height of shutters should equal the window height inside of the window trim while the width of one shutter should be half the width of window. The idea is that the shutters, when closed, should cover the window completely as any gaps wouldn’t look aesthetically correct.

What Style You Must Go For

Once you have determined that there is enough space to install shuttersh and the right size for them, the next important thing to consider is the style. Styles are majorly influenced by the other homes in your area but other things such as the level of protection for windows, aesthetics, and your personal choice also play a role.

If you live in a humid area, you might choose to install louvered shutters; these shutters facilitate better airflow, helping to keep the house cool. Similarly, for colder climates where snow might potentially damage glass windows, solid,paneled or battened shutters may be your best bet.

What Shutter Hardware to Choose

After you have settled on a style, you must choose the right hardware to accompany your shutters. First of all, consider the climate in your area. If you are near the ocean, you should choose aluminum hardware, otherwise you can go with carbon or stainless steel.

Next, you should consider the offset required to install your shutters so they will swing freely. Hinge offset is the amount of distance protruding from the exterior wall. Knowing which hinge offset you need is just a matter of finding the amount of throw required. The throw is the distance the shutter will need to travel away from the exterior wall between the fully open and fully closed positions. Don’t forget to take the thickness of the shutter into account when the shutter is in the open position – there needs to be enough clearance to prevent butting up against the exterior wall. You can typically find the offset of the shutter simply by dividing the amount of throw by 2.

After you have chosen your hinges, you can select from a wide variety of shutter dogs to keep your shutters securely in the open position, pull handles to help you operate them from the inside, and slide bolts to keep them securely closed.

Whatever choices you make, we at www.ShutterContractor.com stock a wide selection of quality operable shutters and shutter hardware. You can order via phone at 1-800-734-8368. We offer free shipping on all orders within the continental United States.

Should You Be Concerned When Selecting Exterior Shutter Hardware?

Every homeowner who wants to improve the aesthetics of their home and raise home value knows the importance of exterior maintenance and upgrades. An inexpensive and trending way to raise the curb appeal of your property is by installing exterior shutters. However, after you are done deciding the shape, color, style and material for your shutters, do you spend some time considering the kind of hardware to purchase for it? Most homeowners ignore the importance of the right kind of hardware that should accompany the shutters.

 

Why Exterior Shutter Hardware Matters?

As vast as the variety is in shutters, hardware variety is no different; the kind of hardware you choose should also complement your home style among other things. For example, if you are ordering board and batten shutters, hinge straps would be your best option to complement them, although they do look fine with other kinds of shutters too. Hence, when buying hardware, make sure it looks good with the kind of shutters you are ordering.

Here are some suggestions to make your hardware shopping for shutters easier and appropriate:

Consider the Climate

The type of climate can cause your shutter hardware to erode or damage before time. You don’t want to invest your money only to find out that the hinge straps need replacing after a month. If you live near the ocean, consider buying stainless steel or aluminum hardware that doesn’t get easily affected by the salt in the air. For other types of weather, you can still opt for a powder coating that helps protect hardware from rust.

Choose sturdy hardware, always

You must absolutely not rely on low quality or less sturdy hardware of any kind. Make sure any hardware you purchase and install is study enough to withstand and support the weight of shutters, in order to avoid any unpleasant accident or injury. If the shutters you have installed are long and you think a single hinge strap won’t be enough to hold them, don’t mind adding an extra one. Pintles are another vital piece of hardware for your shutters, helping to hold them together. Always make sure you choose quality hardware.

Consider Shutter Hardware to be an Investment

The hardware variety for shutters does not just end at the kinds of hinges available to hold shutters to the exterior wall. There is a variety of other things as well which help the shutters behave such as shutter dogs (also known as holdbacks) which keep the shutters in the open position, slide bolts to keep them firmly and securely closed or keep them protected from snow or rain with shutter top caps. Don’t think of these additions as a waste of money, rather an investment which will keep help protect your beautiful shutters as well as your home and keep them from getting unnecessarily damaged.

You can find a wide variety of shutters and its accompanying hardware at our store. Feel free to call us at our toll free number: 1-800-734-8364 and receive your order promptly. Whether you are installing new shutters or are looking for a fresh start with your existing ones, exterior shutter hardware from us can help.

Common Mistakes Homeowners Make When Choosing Shutters

Common Mistakes Homeowners Make When Choosing Shutters

Are you in the market for custom shutters and you are confused about how to measure? Shutter buying is far from rocket science, but getting the correct measurements or shape often leaves homeowners in stress. Some end up making the mistake of ordering the wrong size or incorrect shape to fit their windows, and that in most cases, is only because of lack of research and forethought.

 

The Origin of Shutters

Shutters have remained an exterior decoration to enhance curb appeal for decades. As decorative shutters help to boost a home’s perceived value, it is no surprise that they have been around for quite some time. Earlier, shutters were used to cover wall openings of any kind, thus protecting the interior from harsh weather, intruders, or animals. This is the time when windows weren’t yet invented. After glass windows, the use of shutters changed to protect the fragile glass, and today, they are used more as a decorative feature than a protective one.

However, due to the fact that there are no standard sizes for window openings it can be challenging to get the sizing right when ordering custom shutters.

Ordering the Wrong Shutter Size

Some homeowners make the mistake of ordering the wrong shutter size, which makes them a less-than ideal fit for the window. Shutters that end up being longer or shorter than the windows don’t look very appealing. The best fit is to the exact size of the window, and the width of a shutter should be half the size of the inside casing of the window. Remember that getting the shutter size right could make the difference between an addition that adds value to your home or one that subtracts value.

Ordering the Wrong Shape

Ordering shutters in haste can lead to you overlooking the simple fact that the shutter shape should match the window shape. Although quite obvious, it is worth mentioning to help you avoid this mistake since a lot of people still do. Rectangular shaped shutters aren’t usually the best fit for arched windows for example, but you may have seen this happen from time to time if you have ever observed window shutters. Before ordering, make sure you double check your window shape and check for the corresponding shape of shutters before ordering.

Installing Them Incorrectly

Fortunately, installing decorative shutters is really easy, so most people manage to install them correctly. However, one common mistake is to neglect to leave a 1/4” gap between the window frame and the shutter, which doesn’t allow the shutter to expand and contract with changing weather conditions. Another common mistake is to attach the shutter to the surface using wood blocks, which if left untreated will rot away rather quickly.

You can avoid making these mistakes by browsing through our installation and measurement guide on our website or call us on our toll free number (1-800-734-8368) for guidance and advice. We make our best effort to ensure our customers order and install their shutters correctly.

Choosing a Color for Window Shutters

6

Window shutters come in a variety of styles and materials, the best part being that you can order custom shutters for better suitability and home appeal as well. That means, among other things, you need to choose a color for the shutters, which like all other color choices can be a challenge. Some people procrastinate about the color until they finally settle on one. It’s not easy. Should you go bold? Should you keep it light? The same shade as the exterior or a contrast? These are just a few thoughts that cross the mind of every homeowner who goes shutter shopping.

Here are a few tips to help you decide the right shutter colors that help make a statement:

 

Traditional or Contemporary

When deciding on a color for the shutters, consider the look of your house. Is it more traditional or contemporary? Traditional colors like the classic white, black, or even grey, complement traditionally styled homes well. On the other hand, if the exterior styling of your home is more modern, you can consider going bold with shades such as vibrant blue or bright red. A pop of color on the shutters sure helps uplift the exterior look of the house.

What Color Is The Home’s Exterior?

Along with the style of your home, when choosing the right shade of color, consider the paint on the exterior walls. Your color choice for shutters should complement it or blend in rather than stand out oddly. Also, take the variations in color of the home’s exterior in different light conditions into account when settling for a color for your shutters. Light contrasts typically work well, helping the windows look prominent and stand out, elevating the curb appeal of your home.

What Color Is Your Window Trim

Window trims and shutters bump against each other, so it’s important to consider the color of your trims as well. Many homeowners choose to paint the trims and shutter the same color, making the window look like a single piece. However, you can also choose a different color that complements the window trim color to help the shutters appear distinct. If your window trim is white it will generally not be a factor when choosing the color of your shutters.

A Quick Word of Advice

After you have taken these considerations into account, you should be able to land on a few reasonable top choices. However, the final choice of color can still be difficult. We recommend that you head to your nearest paint store and select paint chips matching your top choices. Put them against the photos of your home to decide what looks best.

You can also tour your neighborhood for some color inspiration. Looking at other people’s shutter colors will give you an idea about which colors stand out well and which don’t. It should be enough to help you make your choice. You can always contact us at our toll free number (1-800-734-8368) and we can help you make your shutter choices as well as deliver high quality shutters of your choice right to your doorstep.

99% of trading is pointless! Why?

An astonishing $32 trillion in securities changes hands every year with no net positive impact for investors, charges Vanguard Group Founder John Bogle. “What else do we do? We encourage investors to trade about $32 trillion a year. So the way I calculate it, 99% of what we do in this industry is people trading with one another, with a gain only to the middleman. It’s a waste of resources.”

John Bogle

Meanwhile, corporate finance — the reason Wall Street exists — is just a tiny slice of the total business. The nation’s big investment banks probably could work for less than a week and take the rest of the year off with no real effect on the economy.

“The job of finance is to provide capital to companies. We do it to the tune of $250 billion a year in IPOs and secondary offerings,” Bogle told Time in an interview.

 

Rent seekers

It’s a lot of money, $32 trillion. Nearly double the entire U.S. economy moving from one pocket to another, with a toll-taker in the middle. Most people refer to them as “stock brokers,” but let’s call them what they are — toll-takers and rent-seekers.

Rent-seeking as an occupation is as old as the hills. In exchange for working to build up credentials and relative fluency in the arcane rules of an industry, one gets to stand back from actual work and just collect money.

Ostensibly, the job of a financial adviser is to provide advice. Do you actually get that from your broker? It is worth anything?

Research shows, over and over, that stock brokers can’t do much of anything demonstrably valuable. They don’t know which stocks will go up or down and when. They don’t know which asset classes will outperform this year or next.

Nobody knows. That’s the point. If you’re among that small cadre of extremely high-level traders who can throw loads of cash at a short-term fluke, fantastic. If you have a mind for numbers like Warren Buffett that allows you to buy companies on the cheap and hold them forever, excellent.

If you’re a normal retirement investor trying to get from A to B and retire on time, well, you have a really big problem to face: The toll-taker wants your money.

Dead weight

So he needs you to trade — a lot. Because that’s how stock brokers make money. Not by doling out retirement advice, but by ensuring that your account is active and churning commissions on behalf of them and their employers.

What’s a highway with no traffic on it? If you’re a toll-taker, it’s a money loser. So Wall Street’s rent-seekers need traffic in the form of regular trading. An account that sits invested for months at a time with no trades is dead weight to them.

Nevertheless, as Bogle maintains, doing nothing is the key. “Don’t do something, just stand there!” he has often said.

A portfolio indexing approach to investing codifies Bogle’s time-tested and effective way of investing for retirement — without lining the pockets of toll-taking stock brokers along the way.

Copyright (c) Itihas ke Karigar | Designed by the Design Centre of InfoSPR Technologies