All posts by sandeepkirar

my self sandeep kirar currently pursuing my career in the field of civil engineering at samrat ashoka technological institute

Audio books

Whether for escape, enlightenment, or pure joy, books allow us to connect to other places and times. Fortunately for the millions of Americans who have impaired vision or a physical disability, there are braille and talking books from NLS.

NLS is the National Library Service for the Blind and Physically Handicapped, part of the Library of Congress. Established in 1931, the organization’s mission is to enrich the lives of its patrons by offering them books, magazines, music scores, and other materials in audio and braille at no charge. Unlike traditional audiobooks that are provided at public libraries or sold at retail bookstores, audiobooks offered by NLS are unabridged, extensive and diverse, and are designed specifically for people who are unable to read regular print.

NLS provides its services to any U.S. resident or U.S. citizen living abroad who is blind, has low vision, or has a physical disability that makes it difficult to hold a book. Thousands of bestsellers, classics, biographies, nonfiction works, and more can be downloaded from the Internet or ordered for home delivery through a nationwide network of cooperating libraries.

Those with cerebral palsy, multiple sclerosis, loss of the use of their arms or hands, or prolonged weakness can access the NLS collection. So, too, can people with temporary limitations resulting from strokes or accidents.

Now avid readers like San Francisco resident Ivana Kirola, 38, who suffers from cerebral palsy, can continue to satisfy their interests, which for Kirola range from politics, to travel, to music.

“I really appreciate the services from NLS,” Kirola says. “They help me in my daily life, in understanding people and keeping up to date with the news. My favorite part of NLS is the widened horizons that reading audiobooks gives to me.”

Along with her love of books, Kirola attends a yoga class at the San Francisco Library—one of  NLS’s regional partners.

“The thing that has helped me is to remain persistent in what I would like to experience,” says Kirola. “Sometimes what you need is elusive, but it’s important not to give up. There are solutions for everything, but sometimes it takes persistence to find out what they are.”


Now restrict the covid to imact your financial credit

 – Since the beginning of March, COVID-19 has turned millions of Americans’ financial situations upside down.

While the economy is showing signs of recovery, many Americans are still unemployed and having to dip into their savings to cover basic living costs. To that end, the question remains: How do you protect your credit score? Read on for some tips.

• Contact your lender aas soon as possible if you can’t make a payment. On-time payments are the largest factor affecting your credit score. Many lenders continue to offer emergency support such as deferral or forbearance options that may allow you to reduce or suspend payments for a fixed period. However, if those terms are set to expire soon, you should “call your lender to discuss what options are available,” says Rod Griffin, senior director of consumer education and advocacy for the credit reporting agency Experian.

• Look for ways to boost your credit score. If you have limited credit history, building credit can be challenging. Experian’s free tool, Experian Boost, can help raise your FICO score instantly by giving you credit for on-time utility, phone and streaming service payments.

This type of alternative financial data, known as “consumer-permissioned data,” allows you to manage your data with confidence and qualify for better credit. In fact, two out of three Experian Boost users see an increase in their credit score with an average increase of about 12 points. That’s enough to make a significant difference when applying for a loan or any type of credit.

• Consider getting a balance transfer credit card or one with an introductory offer. Handled responsibly, this actually has the potential to increase your credit score while either buying you time to pay off your debts or getting a “welcome bonus” of perhaps hundreds of dollars. If you’re looking for personalized credit card options, tools like Experian CreditMatch can help you get the right card based on your financial profile.

• Pay attention to your utilization ratio. Your credit score is based on your total balance-to-limit ratio (a.k.a. “utilization rate”). Adding a new credit card increases your total available credit. As long as your total credit balance remains the same, you’d be decreasing your utilization rate, which can potentially boost your credit score. Be sure to transfer balances to the card with lower interest and be mindful of temporary low interest rates.

While any balance can cause scores to decline, you should keep your utilization under 30 percent, both overall and on individual accounts. Shooting for a top credit score? “Keep your utilization in the single digits, or even better, pay your credit card balances in full each month,” says Griffin.

• Fight fraud by checking your credit report regularly.According to the Federal Trade Commission., there’s been a huge jump in attempted credit – and debit-card fraud since the pandemic hit; consumers have lost more than $100 million to COVID-19-related fraud

financial planning for future

Financial planning can be complex, so when you seek guidance in planning your financial future, it’s essential to work with someone you can trust.
A CERTIFIED FINANCIAL PLANNERTM professional makes a commitment to CFP Board to act as a fiduciary, which means acting in their clients’ best interests at all times when providing financial advice. You should want a financial adviser who makes this commitment directly to you. Therefore, whomever you choose as your financial professional, including a CFP® professional, you should consider getting a written engagement that requires them to have a fiduciary obligation to you.
Professional standards are important to protect consumers. CFP Board’s Code and Standards sets forth the commitment that all CFP® professionals make to CFP Board. This includes duties to maintain the confidentiality and protect the privacy of client information.
In addition, CFP® professionals commit to CFP Board to disclose any conflicts of interest that might affect the professional relationship and compromise the CFP® professional’s ability to act in their clients’ best interests.
Approximately one year ago, CFP Board updated its Code and Standards to mandate that all CFP® professionals commit to CFP Board to act as fiduciaries for their clients when providing financial advice.
“Simply put, someone acting as a fiduciary should deliver financial advice that is clear, specific, objective and thorough,” says Dan Candura, a CFP Board Emeritus® member and Founder of Candura Group, LLC.
Professionals who follow CFP Board’s Code and Standards commit to fulfilling three key duties as part of their fiduciary duty:
– Duty of Loyalty. This means putting their clients’ interests first.
“Your interests should be placed above the interest of the CFP® professional and the CFP® professional’s firm,” according to CFP Board’s website.
– Duty of Care. This means being careful, acting with prudence and diligence in making recommendations to clients.
For example, if you receive a sudden windfall of money that you want to delay investing, a CFP® professional who abides by a commitment to CFP Board will review the reasonable options and consider factors such as risks and interest rates in making the best recommendation.
– Duty to Follow Client Instructions. This means complying with all objectives, policies, restrictions, and other terms on which you have agreed, and “all reasonable and lawful directions of you, the client,” according to CFP Board.
“Meeting these three duties enables CFP® professionals to honor their commitment to CFP Board to act as a fiduciary, in the client’s best interest. Certainly, that is what every client

health tip in the post covid office

Offices around the country are finally opening back up. According to, more than a third of Americans are still working from home , but the number of people getting back into their daily commutes-and their work clothes — is growing every day.
In the APA’s Stress in America™ poll conducted in February 2021, 42 percent of Americans reported undesired weight gain during COVID-19 quarantines, lockdowns and work-from-home time. Their average weight gain: 29 pounds.
To get back into a healthier routine once you head into the office, Courtney McCormick, registered dietitian and manager of clinical research & nutrition at Nutrisystem, offers these simple tips.
Pile on the Produce: Even the odds and help yourself stay on track when you clock in. Load up on non-starchy vegetables such as cucumbers, peppers, carrots and more each day because they’re loaded with vitamins, minerals and fiber, but they’re low on calories. The fiber helps you feel full without filling out.
Pack Satisfying Snacks: Healthy snacks may be the most important option you can give yourself at the office. When you start to feel that 3 p.m. slump, it can be so easy to grab one of those coworker-brought bagels or hit the vending machine. Being prepared with satisfying options can help you make food decisions to meet your health goals.
Make Meals Ahead: Meal prepping ahead of time can help you stay on track when it’s time to eat at the office. Pre-portioned meals such as those from Nutrisystem or power bowl recipes are a great healthy lunch meal prep option because they are easy to grab and go, yet heartier than a salad. You can also whip up several servings of chicken in the slow cooker or on the grill to pair with steamed veggies all week long.
Stay in the Know: Once you’ve got your healthy meal prep underway, arm yourself with information. When a coworker invites you to lunch or happy hour, you’re going to want to be there-it’s the first one in more than a year! So give yourself the info to concentrate on the experience without stressing about your order. Look at the menu online before you head out so you can see which options are best for your healthy lifestyle.
To add to your efforts, don’t forget to stay hydrated and active during the workday. Pack a water bottle to refill during the day and plan to meet a co-worker for a lunchtime walk. 

The process used by every data analyst

the present world is creating data every single second ,and by analysing these footprint of data , data analyst predict the fate of any business. Behind the success and failure of any startup data played a major role. Data speaks if you understand it then you can get success every where but if you don’t understand what data actually speaks your startup, business will be failed and to understand the language of data a simple 5 step process is adopted by every data analyst. If you go through these steps then you can predict the fate of your startup today

Lets begin that process in brief
1 ask
2 prepare
3 process
4 analyse
5 share
6 act

Ask: it is the phase when a person should ask effective questions why he is starting the startup and what would be its outcome

Prepare: if he have clear picture about his startup the he should start to think what type of data would influence his startup and how he would collect it.

Process: when he have collected the data from different source then he must do processing of data because raw data has most of trashes that would deviate us from the ideal outcome

Analyse: after collecting and processing data,data should be analysed what it is telling what type of pattern you are observing in data what relationship you are getting from that data.

Share: when you have analysed data then share it with your startup partners and create strategies to achieve the ideal outcome

Act : now the final step comes when after making strategies act on them,do not change strategies if in minor losses because you have planned all the things and always collect data to verify your startegies.

Now you are a data analyst if you will apply this you would never fail in your life

Youth is the worst hit prey of the panademic

in the devloping country like india the condition of the employment was not good the youth of the country was already struggling to his career and livlihood but this situation become worst when the world was hit by the panademic named covid 19 virus on december,31 in 2019. the world health organisation is continuously monitoring and respondinding to the pandemic.

as per the report published in the India times

India leads the world in teen age depression

in 4 youth one is depressed the percentage of depression is 25% .the depression destroying the creativity and efficiency of the youth how we can run our country with depressed engine it is a big problem but in the present senerio in our household we do not consider it as a big peroblem parents must take care the mental health of their young children the increasing sucidal cases is the outcome of the depression. the level of depression will increase exponenentially in the coming years because in this era of panademic students are not able to go colleges and eventually not learning the practical knoweledge this will decrease the productivity of the youth and would not be able to secure their dream jobs. we are not techniacally too advanced during online classe there is always problem of audio and video and the students gets incomplete knoweledge and with this incomplete knoweldege a sense of lack of confidence is developing and with lack of confidence a major section of youth is sunking in the depresssion youth is the main asset of our nation we must to take care of our youth

students to cope with this depression should do meditation and always try to get busy in new skills learning it is a difficult time it would definitely pass and the world become normal